Can't disagree with them on this. I am for everyone getting along but sometimes that is just not possible. If you dont have bank relationships, and dont know where to send deals then you should go work for someone who will train you rather then open your own company and spend months making mistakes and wasting money. If your not willing to do that then at least partner with a more established ISO to help you fund your deals while you learn. To come on here and think you are going to figure this industry by asking a couple of questions, then you gotta be nuts and sarcasm is warranted