Shelby Putnam Tupper is founder and creative director of Shelby Designs Inc., a small-but-mighty, full-service, customer-obsessed design consultancy.

The Sun welcomes comments from readers via letters to the editor. All comments become the property of The Sun, which reserves the right to edit them. To submit a letter to the editor, use the form ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Electronic bill payment & presentment (EBPP) is a system for collecting payments through the ...