Harris, great insight. And in it, I see that plethora of work to be done on administrative side of stuff. Consolidated effort of doing all these procedures by a single entity for large scale customer segment, will bring in great value. Hai na ra? Again, my first take on the thread is flawed, it seems. The effort by the thread starter is merely a exploratory research on behalf of Ms. X. Frankly, I do not see much deep-down research. To the rest of the contributors, thanks for your inputs, I learned some. To one is particular, there is nothing wrong with making monies. The country that you live in, is shaped by strong, voices of Adam Smith and his "Invisible Hands of Self-interest." Kasso? Ani, I for one believe in the fact that our Nepalese community will be stronger and better only when we get ourself out of gas-station-worker and restaurant-worker mindset. Work for yourself, create opportunities, and live happier, NO? Best~! -B