Thanks to Jenni,Michelle and Elise for all the good info.
And to the TER members too.
I often feel like posting "how to" or How NOT to" info. myself.
it's good to see that some good AND correct info. (Elsie & Jenni) has been posted.

My suggestion.  When you get comfortable with a provider, ASK...
They know quite a bit about what's going on with providers legit and not..