Payments from client's bank accts ?

Michael,

Sorry for overlooking the search. Now that you mention it, I do recall seeing that post. ( info overload ) I do have to thank you for taking the time to answer again, because you gave some good advice, oops, I mean opinion, that was not in the other post.
I'm sure that I'm not the only one out here who greatly appreciates your expressed opinions (and others).
The disclaimer is a nice touch. What a sad state of affairs we're in when that is such a necessity.
Thanks again, Dave

PS: Off subject a bit but related: what kind of liability risk is running a forum and how do you protect yourself? (now that I asked, do I recall a post advising lots of insurance?) I'll try search :)