well, it seems to me, that every business has it's share of losses to deadbeats, or expenses involved collecting from deadbeats. alot have said, "this is factored into my prices." so, the bottom line is, you are charging your GOOD, or paying , customers, for the loss you suffered from non paying, or slow paying customers. is this correct? i'm all for it by the way...somebody has to pay for it. the only thing that seems dishonest, is when you do your summery at the end of the year, if you find you have suffered NO LOSS do to late or nay payers, do you adjust your fees the following year, lowering them?