I feel the same way as your friend. It totally was the unknowns that kept me from doing it earlier. The big caveat for me was healthcare. Thankfully the Affordable Care Act was passed, otherwise having to pay for private insurance would have made quitting almost impossible. Thanks! The series of video calls were identity verification interviews and virtual notary appointments. They allow you to sign digitally now via video chat in front of notaries. It was quite the lengthy and complicated process.