Another +1 from me on the default text - surely it isn't difficult to be able to change this in the background settings so we users don't have to change each one manually?! 

Also the header mentioning cheque payment is really confusing for suppliers when we have paid by BACS for 13 years. 

I am unhappy with the QB reponse to send it from my own email - QBO is meant to make my life easier, not harder!