Not really...just another vendor who advertizes like crazy. The client finds out you are charging them $100 yr more than "Lemonade" (the latest and greatest online insurance agency), and you are written off. (i know you don't do PC Stephen...just saying). Those are some great points...thanks Vol! WHAT DID YOU MEAN BY the 5 min. days are over? (i know you were joking but what were you saying "between the lines?" .