You failed to mention the Telcos Internet Providers, we have found PacBell Internet to be extremely reliable and provides sufficient access at all POP's during prime usage times which other ISP's have lacked, Primenet, Earthlink, and others have had unreliable connections, or email size limits, connection drops, none of which we are experiencing with PacBell. So far, they are only supporting 33.6 or ISDN, but there is no file size limits to email and the connections are extremely reliable.
Billing is via credit card or on the users Pacific bell phone bill.