Darn, thought I was done, and up pops another nit to pick! You say ``When the seller has completed the service or is ready, willing and able to deliver the goods, then his part of the contract is fulfilled.``. While from the sellers point of view this may appear correct, in reality the contract for whatever is not fulfilled until the customer ACCEPTS the product or service, typically after inspection to assure the delivered product/service conforms. Final payment is virtually never made until after acceptance.

SGE