[TheRightGuy]

pay each month, or quarterly or annually ... No doubt there is a good reason why things are not set up that way but if there is I don’t know it

there is ... it's called a "monthly", duh. doubtless you've heard of it ... i've been doing it for well over a decade, but it's on the honor system so nobody gets cut off

[Cen-Tejas]

..............well, lol, duhh, you make my point!

.............obviously the “honor system” you speak of isn’t working too well if 5% pay 100%.

............accordingly, assuming that 5% does indeed pay 100%, obviously your “monthly” system is a little dysfunctional and in need of some polishing.

Oh well, I sent my money in. I hope some of the 95% that allegedly are “Freeploading” “get the memo” to pay up.