[HDF]

Like the plan the big houses are currently executing by flooding media channels with mega marketing dollars and huge inside sales forces to finally crush all the laptop ISOs?

Yes, but I was really referring to the smaller guys/gals who came in with an actual plan that differentiates them. But you are right, there is a lot going on right now:

1- Big funders filing to go public who are defending their portfolio and at the same time trying desperately to get their default rate at 5% or better so they get a better valuation should they ever manage to list in this environment.
2-Bigger funders realizing that the better ISOs big or small are not only their meal ticket but need some support. (but actually provide very little value through their outside biz dev efforts)
3- Lead sources drying up by the nano-second
4- Media stiffs and political types spending more time looking behind the curtain and opining about things.
5- Outright theft, deception, back-dooring (and sometimes bragging about it behind closed doors)
6- Yes, media buying and digital domination by large funders that all but eliminates the small guy.
7- Larger C/D paper shops who are slowly realizing that by essentially buying deals on their way towards the top they are plateauing and are pseudo collection agencies going forward.
8- "Know your client" rules and best practices are coming faster and faster.
9- Jay Ballentine sells shoes

Feel free to add on....