I am also going to intervene with another observation., it may not be received well but I assure you I have only the best intentions in mind. Our network has over 7500 billers, more than half are billing companies. The ones I have actually WITNESSED failures all seem to have a common denominator.. an owner who has NO experience, no education and just wants to hire, cut payroll and make bank. I see it over and over and over again. Some I have even taken on as mentorees for their "sub contractors" or "employee's. I can HONESTLY say since we've been doing this since 2000 I know of only ONE company who's owner has NEVER been hands on and has succeeded.. yes there are always exceptions to the rule. BUT... one of reasons he succeeded.. was because his WIFE was the brains/experience behind the business. Now I just want to make another observation but I do NOT want to be misunderstood as being sexist.. this is strictly from experience only and what i have seen over the years doing this....It is mostly the "men" who believe they can put together a billing company, hire sub contractors or employee's.. do payroll and rake in the profits. I think the reason this is, is because let's face it.. men still believe they are the "providers" and I really am NOT saying this as a stereotype, I promise it's based on what I've SEEN over the years and witnessed first hand. They normally do NOT work. If you want a billing company, and you want it to be successful, competitive and compliant... YOU must be hands on or you will fail. That is fact. If you really want to own ANY business where you don't want to do the work, learn the industry, I think your better off with an MLM or other business opportunity.. THIS is not the business to play with.