i want to add, we do pay for our t's time. i know some of us bristle at the reminder that we're paying for a service, but i wouldn't hesitate to call my doctor if i thought i needed something. my oldest had a cough for two weeks. it turned out to be nothing, but i took him to the doctor because it wasn't going away and i just wanted to make sure. she was compensated for her time and i didn't think twice about it.