Get rid of UAC all together

It consumes so much time and just makes everything messy to have to apply credits. If the billing was changed to a running ledger (in other words, a transaction list), we could see easily on one screen when they paid, what the payment was for, which ones have been billed, which ones have been paid by insurance, etc. There would be a column on the left with a letter if this was insurance (P=paid by insurance, B=billed to insurance). Notice the three columns of debit, credit, and balance, all visible on the same page. No need to apply credits.