Wow! What a ton of supportive responses! I'm only sorry I didn't get back sooner. I've pondered your thoughts and calmed down a bit now from the initial reaction, and am going to look into other clinics. The one we went to definitely asked for an up-front fee before any counseling commenced. And yes, I've settled down and feel reassured that once you start into it, it's just something you "do". Thank you all again, I feel very warmed and helped by all your good advice and support.
BakingGirl