I purchased my iPad about a year ago and used it as my primary bill paying and surfing source. I came to this conclusion after after this time period. Paying bills is a total frustrating appearance. Keyboard is the culprit. Entering numbers is a hair pulling experience. Jumping to the next number box on a web site causes the keyboard to switch back to alphas. Telephone numbers, payment amounts doesn't matter. Typing something like ($2 to $4) and (5 + 5 = 10) is nearing a circus act. Why cant the USER decide when to change the keyboard? Auto cap is a great feature when typing a letter but entering a log on name and password and an email address with alphas and numbers becomes a chore. Word selection is OK, but what if you don't want a space behind your selected word? Back you go. Finding a #$%&@ :"?><,. is a time consuming job switching keyboards back and forth. Surfing is sometimes very frustrating. Some sites open a response in a new window but iPad wont let it return unless you delete the new window and go back to the old window. Works in Windows like it should. Putting emotions in a response or adding a pic is impossible in many forums. How come they work in Windows and/or Android? Since iOS 8 keyboard actions sometime lock up Safari or Chrome. Going back to the iPad home screen and swiping the browser off the screen and reloading the browser is the only remedy. All thread responses are gone. WHY? Back to paying bills on the lap top. Takes half the time and some sites don't like iOS that well. Will suffer through the surfing problems with the iPad because of its convenient size. Playing my slot game on the iPad is wonderful! Buy the way I'm typing this on my lap top for fear of the iPads keyboard locking me up on such a long post.