You'd think I would know better after reading all the stories on TOTV but it all happened so fast & I went ahead & paid them. I have an impulsive personality which gets me into trouble with things like this; then I have buyer's remorse. I did call later (Fri night) and left a voicemail msg that we had second thoughts & wanted to get another quote. Then I thought "I'll just ask the smart people on TOTV!"