All who have posted on this issue are correct because our opinions are based only on what we have experienced ourselves. I did business on a hand shake basis for 15 years with no problems. Then, in the last two years I had three customers (all the same age, gender, and ethnic background interestingly) take advantage of me to the tune of about $10,000. That's not lost business but money that I earned and they took away one way or another. That's money that would have started a retirement fund or would educate my children. All of my business policies and terms on my contracts are as a direct of a problem with a customer at some time. I always give the customer the benefit of the doubt to start, but I learned the hard way that I need to look out my interests first. There are plenty of nice folks out there, it's disappointing that we have to work so hard to avoid the other ones. Richard Anderson Elgin, IL
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