bibi: I know exactly how you feel also re: being in a financial straight. your money may not work the same as other providers, maybe they have dual income in their home an dyou dont, maybe you have bigger bills to pay or more children to feed. what ever it may be, its def. not always easy to have a savings set aside to dip into when things are tight. I know everytime i get that savings up "life" happens. We had 90 degree weather last week, drained the savings to buy new fridge!!! my point...money isn't always there, thats why we do what we do, when we lose a client unexpected, we could have just lost our car payment or gas bill. I feel you.