Well, I am flattered and glad that I could help in some manner. Have you looked at the website of Tim Morge? It is named Medianline and he's got some fantastic stuff there, particularly on entries. Send me your email addy in a pm if you'd like and I will send you his writings, which I pulled off his website along with a couple other items of his I have gathered.
I started a blog last year doing PFs, but I stopped as it was too time consuming. I'd be more than pleased to chip in here on occasion.
The project with Habib Bank was a churn and burn setup, they only wanted to pull out commissions and did not give a damn about client's account. I suspect there's lots of outfits doing crap like this.