Same here... all wires come a little early.
As far as my experience with Zombaio, up to now... it's been great.
It's just that I'm a little gun shy these days because billers come riding in like knights in shining armor, then they're gone... then the next one comes in, rinse and repeat.
I just have a few small projects of my own so Zombaio was enticing due to no set up fees. Lesson learned the hard way, I guess...
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