Hi Kathy, I don't provide answering services so don't have an answer for you, but there are a lot of threads in this section of the forums that might help you narrow down your answer. Here's a list of
search results that you should find useful.
And I'm sorry but I don't work on retainer either so I can't answer that one at all - sorry! Hopefully another VA who does can chime in.
One quick tip - to get better responses to questions such as these, try posting them individually and write descriptive thread titles. It'll draw infinitely more replies, with more direct answers.
I hope you find the info you're looking for