One thing that we find irritating, is that in our last system, we had a setting called "Prepay"  This was just one of the "terms" you could choose.  Now there's no way to indicate this except the _absence_ of other terms.  When we come across a customer record without terms, we can never be sure if they simply have not been set correctly, and are constantly forced to go back to our old system to check the data.  So we made a custom "Term" called Prepay, but in defining it, all we could do was give them Net-0, which is