Pleased to give you some comments. Your application process is not transparent, as an applicant you are guessing what is going to be requested at the next step. give us a clue up front. I signed up up but was shocked to be told my paperwork/card would take 14 days to be delivered. In modern day this is astonishing. Finally, your app. Looks great but tried to download it on an Android phone. Wish I had not tried. Thirty minutes to find my phone throwing out app just makes me think again. I sill cannot download app to phone and probably never will. You need to fix this. Do it right or not at all. Hope the comments help