Saw a diving medicine blog say the 60 minute rule is the bare minimum, not a goal, but @jamiew83's right about boat moves calling the shots.

The customer paid for a paint job, not a sanding seminar. From his side, he sees a truck sitting in a booth for hours and the color not even going on yet. Twenty minutes of watching someone rub paper on primer probably feels like watching grass grow. You know the work matters, but he has zero frame of reference for why prep takes so long. Blame every TV show that makes bodywork look like a thirty minute makeover. Maybe toss him a buffer and let him try it for five minutes next time, he might shut up real fast.

Buy the dang book next time, problem solved.

The 40 point drop sounds harsh but it's actually pretty normal for losing your oldest account. That account was probably carrying a lot of your credit history weight, since it was from 2012. One thing though, you said closing it yourself would have been better, but that's not really true. Whether the bank closes it or you do, the score hit is basically the same because the account is gone either way. The real thing that matters now is your remaining accounts and their age. Your score should start climbing back in 2 to 3 months, especially if you keep your other cards active and pay them down.

Hold on, let me push back on this. The NAS is nice for quick restores, but it does nothing when the office floods or a fire takes out the whole building. @gray_patel nailed it with the restore time concern, but you traded that for a single point of failure sitting on a desk. The USB copy helps, but only if someone remembers to swap the drive and take it home. If that law office is handling client files, losing the physical box means losing everything with no cloud copy to fall back on. For a little extra monthly cost, cloud backup at least gives you a shot at survival after a disaster. The spotty internet hurts, but a NAS plus a cheap cloud tier covers both speed and safety.