I put most everything in the DBO schema, Crissy. The only time I deviate from that is for utility and scratch objects. Of course, most of the work I do is at the batch level and what little I do for the front end can easily tolerate not using a bunch of schemas because I go for the next level of "security by separation" by keeping things in different databases.
--Jeff Moden
Change is inevitable... Change for the better is not.