The bottom line... what it all boils down to... the only thing that is going to stop the Pearls of the world... is regulation... and thats when the commission runs get lite and the rates get low low and when "high risk" dies because it doesnt make sense to give a guy with a 482 FICO a 1.16 over 10 months... Stacking is going to seriously hurt this industry and it's going to happen... like it or not...