With more than 70% increase in the secondary finance department, atleast here in lee co florida, declared by our President as ground zero in the real estate crash. The fact is that most of our nation is in this credit crunch. The options aren't many out there Westlake and the Don Foss and his Supermega BHPH named Credit Acceptance. Who's buying this paper which is alot? Necesity is the mother of invention. We need more secondary lenders with more up to date real time information. The need is out there, money gets printed every morning, where are the visionaries? Like Alec Baldwin says on "Glengarry Glen Ross"  I say in my own words ( You know what it takes to sell an idea? It takes brass b...s, go and do likewise. Good luck!!!