Deb, Many of the other participants agree with your thoughts - all are important but if forced to chose it is Customer Service. It is my thought that great customer service should always result in timely and accurate processing since all three go hand-in-hand. Your other question is more difficult to address since I am not 100% clear on what you mean by multi-term compressed. This could mean many different things. I am willing to assist but need some clarification - are you offering non-standard terms (if so what are the lengths) or standard terms comprised on multi-small modules forming a standard term? Are you running an SAY or BBAY (if BBAY which one)? Are you offering your programs in credit or clock hours? If you could provide the additional information I should be able to advise you on some of your questions related to packaging, disbursing and reporting. Sincerely, Chyrl Chyrl Ayers