Isn't that the truth Paul, I just gave over $13gs in comp and liabilty ins to my ins guy yet I feel like I have to chase him for my $160.00 for a truck load of wood I dropped off at his house. I don't even sell fire wood, just split it for myself and made an exception for the guy this season. He even short changed me on the last load I gave him 2 months ago, go figure.