This service is available during the following hours (Eastern Time):
Monday through Friday: 5:00 AM - 1:00 AM
Saturday: 5:00 AM - 11:00 PM
Sunday: 8:00 AM - 10:00 PM
Holidays: 5:00 AM - 11:00 PM
Pardon me for thinking, but isn't an on-line application process available for the convenience of people at home at odd hours who may prefer to get things done while wearing their pajamas? Will someone who is smarter or who has inside information please explain this to me! Thank you.