I just took a call from a client apologizing for having forgotten to leave payment for this week's cut. (done yesterday) She offered to bring it to me today - she was very concerned. LOL! I think I can manage being short $30 until next week - I'll get it then. In 5 years I've been shafted exactly two times for a total of $80. ($40 each job and they were both "one-time" jobs) I've been transitioning to pre-pay for the month's service over this season and will be collecting that way for the majority next season with some leeway to pay weekly for those who have a hard time paying "one-lump" AND who have been good about paying on time in the past. The few that typically "forget" more than a few times are going on the pre-pay plan.