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Jud,
I have reread my post several times and cannot for the life of me find where I called anyone stupid. Now if you want to use that word to describe folks who work for Non-Pay-Up-Front vendors, so be it. Crop/crap call it whichever, but it includes all of us. Yes you have misunderstood. There is only one group, but I am glad you are part of the cream. If which statement is true? My atatements are always true. No crap.

That's fine Larry and I didn't say you said, 'stupid'. I was trying to understand your statement. If it meant one thing, then a certain point needed to be made and I sought to make that point- if you in fact did infer that the cream of the crap was stupid. You made it clear that you didn't.

It's clear that we are all on the same page regarding vendors who don't pay up front. The arrangement is very risky and you may not get paid. Certainty is just an illusion- no matter how eloquent or convincing a company can present itself.