shpk;your message has helped a lot of people avoid a nloss.in these times we need all the help we can get.A govt. can stop payimg and will kill the goose layimg the golden eggs.when the can't obtain expert services they lose their income and eventually loose. I was in business with a partner and we lost a client because I told him we don't start a ship design until we get a down payment,,,my partner was broken hearted when another designer got the business.the shipyard went bk two years later many accts. receivable were lost,my partner was so happy.Coe