George, our self-paying patients are our best-paying patients. Its the ones with insuracne who I have collection problems with. Also, we have our self-pays pay at the time of service via cash or credit card. One patient asked to arrange a payment plan when she first started, and we set one up since she was really sick and had several high-end office visits. And had to pay the specialist too. She had paid up her balance within 6 months. We have insured patients that I have to threaten to send to a collection agency before they pay their $10 co-insurance.