Andy-I agree. I am all about mixing it up, that was part of the point I was trying to make I guess. For the most part, I just pick up the phone. I just think the days of making 400 calls through an automated dialer are over.

Anyway, I know this discussion was about stacking and I wasn't trying to get off topic, I'm just saying if the Lenders improve the culture there will be a lot less stacking and we will penetrate more of the Small Business market.