As I've said before, we all have the same clients (with maybe the exception of a couple of folks here), only their names have been changed.  I always remember when I first started out and an IRS collection agent came to visit our office.  My boss was going to bat for a couple of delinquent clients and he had some great sob stories for the collection agent.  My boss got about three words out when the collection agent just raised his hand and said - "Jim, you start the story and I'll finish it ---------- I've heard them all".  It's kinda the same thing with the client stories you see here.