Taggart, I'm imagining that their help lines are as clogged as the money acceptance lines. I was on the verge of calling or emailing them because it kept telling me that there was something wrong with my home phone number. But there isn't a listing on the iTunes 4 buy-music form for phone number. The trick is to go into your Apple Store account and set up your billing info there and correct your phone numbers, etc. Then go back to iTunes and back up to the agreement. Re-accept the agreement and you should be home free, at least I was. I'm going to check in on Macintouch and see if anyone else encountered/fixed this.