ok, that was weird.  My post was blank so now I have to try to remember it.  Maybe in good time it will come back to me. :(

I remember part of it and part of it is Knew and of course not as good as the orginal

.  It seems to me that too many are getting vitimized by the "I will find one that will" statements.  I used to hear it all the time in title.  If you don't lower this or that I will find another person/company that will.  Many feel like they have to lower fees in order to keep the business.  I never understood the "we will make up in volume what we lose in price".  It doesn't seem to add up because now all I have is more work and less pay.  If I do 100 deals at $75.00 I get $7500.00 but if I lower to $35.00 I only get $3500.00.  Will the requestor commit to giving you the additional deals to make up the $4000,00 just lost.  Sure, maybe, until Joe Blow down the street comes along and offers $15.00 to do the same work.  Now, I just lost it all again.

Regulation can be a good thing.  But, who is going to watch over it.  Lending has had numberouse regulations in the last few years.  It doesn't seem to help as we can see now.  There will always be a few that will skate the system and try to undercut the little guy.