[J.Celifarco]

doing in-house business does not reduce commission pay outs as an expense as the commission is an upsell.Ask someone else to go thru all the details with you. They would have to have owned agencies. or multiple isos

yes but they have the same upsell and get to pay the money back to themselves through their inhouse sales office. Again you are not making clear what you are trying to say.

If a deal has a 10 point upsell any bank would rather pay the 10 to themselves then pay the sales person their cut rather then pay a full 10 to an outside iso. That just common sense.