I finally found a really great solution, even my most computer challenged clients are using it, it has taken many headaches out of my and other businesses and it is very affordable.
I tried it with one client and I liked it so much, I became a dealer/rep. for the company.
http://www.certek-software.com/
I looked at a lot of programs and it takes a lot to impress me, but this does.
If you like it and are interested, contact me, I can get you more information for you or your company.
And thank you to all who took the time to respond.
Frank