I really needed the advance this year due to an unexpected hardship and trusted TT. Ive always defended them as being up front with their fees, pricing and practices but this year I stand corrected. There was so much predatory wording, pushing and phrasing. I am shocked and ashamed to say I fell for it. I've been using Turbo Tax for 10 years and this will be my last year. Turbo Tax you took away my options and you deserve to pay a penalty for it! You will be reported!