I just wanted to add something to this.. and this is JUST an observation from being in the business for so long. But I have noticed most of your men that start this business start off fast and hard...hiring staff and more employees than they need, they tend to think beyond the market. On the other hand I Understand why.. most of them are leaving the bread winning career behind to start new and have families to support. The average start-up billing company needs to think about Today as well as tomorrow and carefully put their business together with a "goal". My goal was NOT to grow so big that I had to move into a big office, hire employees, etc. I'm a control freak and I know beyond the shadow of a doubt no one would stay working FOR me for more than a week.. LOL my goal was to supplement my husband's income and build a reputable but mid-size business that I could comfortably run myself. On the other hand I know billers who's goal was to grow and hire staff and that's fine! The key is to know this going in because it will make a difference when you purchase software, insurance, etc. If you are un-decided about how far you want to grow then it's good to find some balance to where you can comfortably grow to the point where you need to make a bigger decision. Linda WalkerPMRNCwww.billerswebsite.com