Outsourcing is taking work away from and you. Look at all the companies that are posted on SOT. I can you many of them are from India. I have changed with the times and have lowered my prices to still obtain work. We used to really mostly on local settlements companies for our work, but that has drastically changed. All the local banks started sending there orders to one centralized . Look at the companies who are obtaining this work, a lot our from India. Why you ask that they can reduce their prices, is because their employee's gross monthly average is way cheaper than in the US. 

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