Old thread but great conversation. Does anyone believe that selling consolidation programs have a chance at being "the next big thing?" Is there even any money in that for lenders? If so, then my thoughts are that every old UCC lead from the past becomes a brand new (and fresh) lead for a consolidation pitch. I've been racking my brain for so long trying to figure out what the customer wants these days. I'm guessing the answer is a long-term, low-rate product but who knows. Just wanted to see what everyone else thinks.