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  1. It is interesting that so many are behind the times. We were in a greatly shrinking pie back in fiscal 2010 through fiscal 2012. Since then we have been in peak to valley secular stagnation that so far has been SLIGHTLY downward sloping.

    There are a lot of lenders who are comfortable with taking market share from others in order to make up for the loss that they might otherwise incur. That is just part of the free market system.

    The trouble is our shrinking market has been in an overall decline since fiscal 2009, eight full fiscal years ago. So think of this, if the company doing the vlog was the only company in the industry would they be satisfied with heading into a valley this fiscal year? Let us hope not.


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