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Always keep a reserve. Not just for YPN - over the years, at one time or another, someone is always late with a check. Keep a surplus for those occassions and you'll sleep much better. ;-)
It's a LOT of money and I'm really concerned at this point.
* 3 different people have told me they will get in touch with the finance department to take care of it (including my personal rep), and each time I call I'm told that nothing has been done, but they'll call me back (and then don't).