[MCNetwork]

I'm not saying it's hard to talk on the phone. A teenage girl can do that all day long without breaking a sweat. I'm saying it's hard to make a good living as a cash advance salesperson by 100% cold calling. That's just the way our industry works. We are selling expensive money and clients aren't exactly clamoring at our door. You need to find the merchant that has a special need and is willing to pay a high price for the funds and this is similar to finding a needle in a haystack. The large ISO's and funders realize this fact and that's why they try to own the haystacks by using call centers to do all the heavy lifting instead of having a roomful of guys searching for needles all day long.

If your office is full of very successful cash advance cold callers, then I will humbly apologize.