Patrick has finally given us the details on his new web app and it sounds very promising. I really like the idea and I think it's a good market for a small ISV. My one piece of advice for Patrick is don't skimp on the lawyer. What you're taking on is nothing like selling a little bingo card app. There's going to be people managing thousands of dollars via your application. Sure it's not life and death, but most law suits have nothing to do with life an death situations. They're about money. If you screw up (or even if a customer does) you're going to wish you had an agreement that was written specifically for your situation. Just my 2 cents.