The June profit of 1.2 million is due to costs that were prepaid. The profit margin probably was more like 12 to 15%. Therefore, the cash generated will be mostly eaten away by the need to prepay some costs for Sept. Your question about a Factor is very appropriate as it would eliminate our cash situation if we obtained one. A Factor is simply an individual or bank or corporation who buys our unpaid invoices for a small fee. Our billing to triple A insurance companies would justify a relatively small fee. With the cash advance ,we would immediately be cash flow positive and show considerable earnings with the advanced cash. This indeed would be a blessing !!!