Darlene,
Thanks for your input.

Lia,
I fixed both items you mentioned. Generally I don't stay up till 1am but I allow myself one night a month to stay up late to work on anything that is on my mind and I need compete quiet for. (2 1/2 yr old in the house and no daytime babysitter).

Tess,
Everyone thinks I'm crazy for offering that referral program.
I look at it like this; I wouldn't have that money coming in if the referrer hadn't bothered to mention me. Basically, I'm asking others to be my compensated sales force.

Oh, and I removed the "Scotia" part. It didn't look right to me anyway.

Thanks everyone!

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~Christina-Business Darlings-Magazine for Virtual Business Owners