After we spoke I read your posting we were talking about. Not that I would advertise this, but my business format has me laying out money at least 3/4 of the times before I get more than a 15% deposit. It is so possible for things to go wrong. When I ran a bar, I paid off a few regulars debts when they had dealers show up with bats and such. I knew I would never be paid off. What you do with your money is your own business. I think that Fred should lock that thread myself, but its a sad thing as your posting was meant to educate, at your own expense, and not belittle anyone.