-Junk Paper shops won't rise up to A&B, just not in their blood.
-Too many ISO's out there to begin with, trimming the fat is a good thing
-Back Dooring and Marketing costs go hand in hand with the saturation in the business, so trimming the fat should lighten that area up a bit
-Every Tom, Dick & Harry with a laptop and a couple bucks is trying to open up as a funder, with nothing new to bring to the table, so yeah, they'll get shot down quickly. Since they are all new when they start these shops, only makes sense that their BD reps are equally as naive