If I want to spend 90 days in Spain, I just go there. Easy.

If I want to spend 91 days in Spain, I assemble half a kilogram of
documentation:

http://tinyurl.com/Visa-for-Spain

and then wait two to four months to see if it's approved. And even
though the approval (or not) comes from people in the Spanish consulate
in USA (who speak English fairly well), they require "certified"
translations of everything. Even though I speak Spanish well, I'm not
anxious to translate umpteen pages of insurance policy. Not to mention
getting someone to "certify" it.

There must be a better way.