Viejo, was wondering about something that has been on my mind. Do the clerks or anyone for that matter in the offshore industry have to sign some type of agreement that they will not sell client lists for the book they work for. i would think according to certain parts of the country, these would be in high demand for local books, i know in my case it would be. I wouldn't want out of state list's as that is really asking for a basket of snakes but locally i would think it would be a bonus. Your thought's