Andy and Belinda are two busy business owners with multiple endeavors, one which is horse racing.

Andy has been in the horse racing industry for about 5 years and Belinda handles all of the maintaining of races and documents needed to be elegible to enter any and all races.

Belinda has always maintained race reminders and nomination due's manually using a combination of a spreadsheet and a calendar.

Regardless of her diligence and Andy's determination to not miss a payment, with life and work, the inevitable has happened and dues have been missed.