I have a question about fees. Does your T increase their fees every year? I started with mine in 07. He increased his fee $10 in 08 and he will increase again by $10 in 09. Is this common practice? I don't know how many years I'm going to be in T but if he increases his fee every year then how much am I going to end up paying T. He did say all the right things that we could work it out if I lose my job bla bla bla but he knows that I can afford it for now. Could this be a way of ensuring quick healing!!!!