thanks for the input karen. it is a good machine and company. we have been with them since 1998. done many comparission shopping since then and nobody could come close to their rates. some who came to us..good grief...i couldn't even get a good reference on them. still...ugh. the cost of doing business is sure not in the businees' favor.

we get charged if somebody disputes a claim. even if we are in the right and the person doesn't get their money back.( um...just stopping payment doesn't cancel a membership somewhere ) we still get a huge fee!