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onthepequod just reminded me why i stayed in consumer banking rather than moving over to business banking years ago... he laid it out pretty well for you, JD.
One other piece of advice... buy the "institutional size" containers of aspirin... you and your wife will start getting tension headaches very soon. You can do it all yourselves. If it were me, I'd take OTP's advice and use a CDC or a professional firm, so long as they have a good history and are certified by the SBA. For me, paying a fee to a reliable company, if a CDC is not available, would be well worth eliminating the grunt work and accompanying headaches (both figurative and literal).
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{Next time I send some damned fool, I'll go myself...}
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