Thanks to some of the other threads on this forum, I decided to try and set up my own voip, and signed up with voip.ms. I managed to set up a PAP2T in about 20 minutes, and, amazingly, I was calling across the country immediately. So far, voice quality is excellent. We'll see how it goes over a period of time and I will give an update in six months or so. Assuming all goes well, it begs the question --'Why doesn't everyone do it this way"?