agreed Homey, but EXPU is currently running 70 underwriters now (I think), and I can almost assure you that their m/a with a 150 person company with only 6 office salaried people has to leave more than 30 more underwriters......one other point about this m/a move is that the new entity is a private firm which in essence, now allows this new arm to become a publicly traded firm without all the SEC compliance and legal B.S under the EXPU umbrella.......as I stated before, I was bumped from the conf call, so I was unable to address any questions to Rico, but based on what I did hear (and the January pr will answer) is that this added alliance will be done without an exchange of stock or IMO none or little out of pocket costs to Expert....any thoughts on the trade off is welcome