Michael, Excellent points, but how do you walk the fine line with flexibility? My experience with students, they tend to push the envelope to see how much they can get away with or how long it will take for additional follow up. For example, I may allow a student to have an item and set up a verbal agreement to pay me a week later. The item is essential for their class and workshop activities, so not providing them with the item would prevent them from participating in class. Some students will exceed the verbal deadline and I'll have to follow up with them on several occasions to acquire the money. Also, how do you prevent the stigma of being a "push over" or being taken advantage of by students? I would think by establishing a sense of trust early and enforcing accountability (with some leniency) as well as monitoring them would work?