[John Galt]

Actually BigIz, you're completely right. I have 3 pretty little girls (though the turnover is high and they are part time) that distribute flyers in Miami and Ft Laud and it works (though the loans are smaller), but face time works. I pay them $10 per hour and they pick up business cards, menus etc for constant contact and to verify they were there. I yield one or 2 small accounts (under 25K) for their part time work and it still profits. You must know though funD is a sandwich short of a picnic. The girls get at least a couple of apps a week, which become prospects.