I really hate the redeposit fees and the close-in fees most of all. Overall, it seems like a lot of red tape to me and I hate red tape. See these You Tube videos about Red Tape:
http://www.youtube.com/watch?v=KCUQ49LdAyk
http://www.youtube.com/watch?v=3bzHKRvKgBQ
http://www.youtube.com/watch?v=Yp-d8whc5PI