I downloaded the Free App Tap Zoo for my 7 year old grandson at his request for my Ipad. That evening I checked my Itunes account and find a charge of $99.99 for a bunch of coins used in the game. Seems apps can make charges directly to your credit card in Itunes without the need for a password. If you go to the game company site Streetview Labs their support forum is full of complaints of people having as much as $1200 charged to their Itunes account without their knowledge by their children. This begs the point why Apple would allow any app to charge to Itunes without an password and in particular a game for kids. The good news is it appears that after several emails I have Apple willing to reverse the charges but telling me this is a one time reversal. OK by me as I have deleted my credit card from the store and if I want something I will use a prepurchased card. Additionally, I have gone into Settings - General - Restrictions and turned off "In-App Purchases" Bet you didn't know that feature is there and is by default turned on. I sure didn't. Shame on you Apple for allowing that and having it default to on.