I can tell you how I choose who to work with and who not to work with and it “mostly” eliminates my risk but not always. I do a lot of research about people before I work with them and that’s the best way I’ve found to know how someone does business. I do Google searches of their full name and I include the words “fraud” or “money” or “thief” etc. Then I do the same with their email addresses and include the same words. I’m always surprised what people write about others in blogs etc. It took me almost a month before I found you two and decided to work with you. Believe it or not, there are few Web designers out there that finish the work. You two had no bad reviews and no bad blogs and you personally have a lot of friends on facebook. I have found that this is the way that works for me. Yes every once and awhile someone takes the money and runs but I can’t stop the few that do.