Everyone in my local builders group swears you need to offer net 30 to win bids, but I stopped doing it six months ago on residential jobs in Raleigh and my cash flow is the best it has been in 12 years. I had one framer tell me I was crazy, then he waited 74 days for a $9,400 check from a builder who kept "losing" the invoice. I get it, commercial work plays by different rules, but for home stuff I just say half up front and half on completion, and honestly almost nobody pushes back. What is your net terms policy actually costing you in late nights chasing money?