i have to be honest i don't have any idea of what this "monster high" is all about but that is what the birthday girl wished for! but not just any kind of shopping. the ringing on the calling party does not start until 3-4 rings on the phone. i never really settled into an easy flow with it, and found myself fighting through some passages. this not only helps you to find your reports quickly and easily, but you can also save specific filters to these reports. even with a 23% savings rate, she still felt stressed out about money. 