If you don't feel comfortable FE, then DON'T!!!! I don't recommend that anyone finalize early. Personally, I would move on to another vendor. I cant believe all the problems that are caused by FE. I sort of understand why some vendors want some to FE, for new members or to members with bad stats. But, I would say that 90 percent of all the issues buyers are having are because of them FE. Just don't do it.. If you do, don't come complaining!!! ~FLUSH~