Update: I used circle to deposit USD into my account.  It's "pending" right now and says that the transaction usually takes up to 40 mins.  Then when I send the BTC to you, *that* also can take up to 40 mins.  I can see why some people are put off by Bitcoin.  Acquiring and/or sending BTC isn't very user-friendly.  Both my circle and coinbase accounts have all these restrictions and limits on them, which is really annoying.  I have money I want to spend and it won't let me.  Sigh.  I'm playing the waiting game...