the visa funds from FDMS are now in their 7th month.... and they are being released by this agreement called "Limited Release" The funds from September 24th onward are from gKard and I'm not sure how that works. Further it also appears that IBill is trying to force agreement on both payments, The FDMS reserves payment agreement, as well as the balance over 2 years payment, and it appears that you can't accept one with out accepting the other.... that's a crock if you ask me....