One of our primary sources for business is the web. We monitor our SEO daily. Over the last two weeks we've seen the prices of keywords on Google exploded. Keywords that were costing us $8 to $10 per CPC were run as high as $65 this week. What this is telling us is that business has slowed down exponentially. The big boys are the only ones that are paying up, we verified this. I can tell you that within 3 to 6 months we will have a number of major failures, bankruptcies. The first sign will be massive layoffs from the big players as the cost of marketing cannot align with the profits. If we have a couple of majors go under that would help the rest of us out. One major is probably bringing in 1000 to 2000 transactions a month's or more and if they go under those transactions will be up for grabs. Stay frosty my friends it may get very interesting quickly.