QuaShe got it 100% right.. as I read thru the Fletch's article I was putting together a reply in my head, and now there's no need for me to post what I had in mind cause what Fletch didn't mention - is already all covered by quashe..
Those sorts of things make me want to work full time for BYOT and similar programs instead of working with clients.. Everything's cool until the 2nd part of the payment needs to be made etc

Very good reading, it would be cool if mods could put this thread as a sticky on top, at least for a few hours til it gets more views.