over regulation would kill us. Some regulation I agree with Chambo here might not be a bad thing. Personally my biggest issue is that there is no barrier to entry into the industry which has led to the saturation we see now.. Anyone with a phone and time on their hands can open an ISO and they need nothing to do it. I would love a way to stop the influx of no nothing schmucks starting in this industry day after day. All they do is make the rest of our jobs harder.