Just a report on the overdue notices... you really need to code in some check to see exactly what type of payment method is being used. As explained on like page 2 or something, I was only able to mail in a payment, which I did the day after I ordered. Quite obviously, it takes a while for anything to get anywhere via mail, esp. when it's going to a different state, so having overdue notices one day apart from each other is really ridiculous for that.