handy, thank you for the good info. As regards the est/quote, believe me the legal definition is that there is no difference. Although most people accept that an est. can run on the law doesn't. Here's another possible trap: once i advertised "Free Est's" but on a site visit the area was inaccessible so i told the customer that he'd now have to pay for my time in opening up the area. He agreed, three hours later he wouldn't pay. So i took him to small claims. He produced my ad. for free est. but the judge accepted my version and but awarded me less than i had claimed and no costs. I ended up at a loss.