Jeff @IRonMaN 

Oh, I do the same.....re: payment.  Most of my clients have been clients for decades, so 'non-payment' is just not an issue.  There might be delayed payments, but that's OK.  I know where most of these folks live <w>.

MY issue was with the OP's comment of 'my client insists'.   That doesn't fly with me; I'm the 'insister' in my little universe.