My post about meeting with a contractor in Calgary has been deleted but a couple of things that really stuck in my mind when talking to him were: - Sulja would probably get all those customers in Calgary that no other lumber yard wanted to supply except on COD terms. If Sulja provided them credit, Sulja would probably get a higher percentage of bad debt losses. - good luck hiring employees. The contractor knew of another lumberyard that wanted to expand but simply could not find employees at a reasonable rate due to compeition from the oilpatch.