Doug: The first thing all of us should remember is not to judge. Especially a situation in which we (A) are not involved and (B) do not know the whole story. I hope you can resolve the situation amicably because it certainly isn't worth continuing your anguish over. The lesson was most likely learned at this point - when dealing with sums of money that are important to you get the funding handled up front. It's like lending money, if you can't afford let it go, then don't lend. All the best to you, and neither of you should worry about how your credibility is viewed by faceless strangers out here in cyberland. You know what they say, "Don't worry about the small stuff . . . it's all small stuff." Now folks, lets get down to the history again.