I was updating my life insurance beneficiaries (for insurance provided by my employer) and I had just added my wife as a primary beneficiary and then indicated that I wanted to add another. I must be a total screw up:
Uh – I’m allowed one “transaction” per day? I guess that’s one way to make a scalable web system and not overload the database system too much.

this is very bad system planning as ….what will happen if the person who is adding beneficiary details now …and he has finished one….then for second he has to wait for one day….and if he/she dies in between that time, then what about that second beneficiary?