Thanks very much Guru. You've hit the nail on the head about me falling between two positions. A common beginner's mistake, no doubt. I think I'll use the New Year as a watershed: produce them a DVD of what's been filmed up to now; but renegotiate, under a contract, for any future work. I really like your suggestion of needing a contract for insurance purposes, to get past any awkwardness.
BTW, I was blown away by your film that you did for the site competition. Very inspirational.
Thanks again
rick