I've been having both the 401 and 601 errors for over a week. It isn't ANY of my THREE banks. It is YOU, SE. Check your verification system because I think you are LOSING the authorizations in a firewall. Either way, you are missing the authorizations from dozens of banks. Our banks are NOT denying it, your system is. I've been with SE since XI, 1.0 CE, now 2.0 CE. You're making me WANT TO QUIT. I have friends who I convinced to sign up BECAUSE OF THIS GAME. They will drop as well. CHECK YOUR SYSTEMS PLEASE.