OK – went back and made sure location was actually set to my actual physical location and works. Now the absolutely big problem here is some idiot at Microsoft decided that for purchase activity (from I am going to guess Flight Simulator) that everything is going to associated to the O/S configuration. Now MS should be intelligent enough to know not to allow a junior developer to be building a complex feature like this. If you think about it - credit cards are already location specific and having something on top of that over writing it is not too intelligent.