They can idiot-proof it all they want, but I may be more idioter than they'd imagined. Just recently decided to transfer some of those that's, but wasn't sure what to write in the MEMO space, so I idiotically wrote 'transfer' while trying to figure out the thing again, and with next-level idiocy, I kept pressing wrong keys instead of double checking it all. A lesson for me either way- now I know.