The issue with going "mainstream" is that all the little guys who have been whacking folks for fees, or offering sub par offers (because up until now they could) will no longer be able to do it. The top tier paper will go to levels that none of the existing funds out there are willing to go (12 month 1.06's? 18 month 1.18's?).

Almost as if we have been guinea pigs for the larger guys waiting a couple years to see if this was a flash in the pan or not. Now they are coming in with big guns and big money.

Should make for some interesting times in the near future.