I love the 12 month service agreement. I find that it only works with HOA's for me. I have never got a residential customer to do that. Nor do I want to. I am very very good with my money. I don't need income in the winter to make it. It is nice to have though. I try my best to keep my company within my industry but as diverse of a customer base as possible. I have a good mix of residential, business, foreclosures, and HOA's.