Hey Bounty: Are you hearing the same things I'm hearing from SWA's in the states due to go ISP next year.? Many of the SWA's in those states that have the opportunity to acquire additional routes are having a hard time finding a lender who will write a loan for them collateralised with proprietary rights and goodwill which are intangible assets that have no book value and can be revoked at any time for any reason by the contractors one and only customer FXG. Lenders are unwilling to write loans for any amount higher than the book value of the trucks involved. Given that banks are required by the Fed to maintain higher capital reserves but can borrow fron the Fed at0% then buy Treasury Bills that earn a sure bet 3%or more, what fool of a bank would write some contractor a $200,000l loan when the only thing the guy has with any tangible value is a couple of the fastest depreciating pieces of equipment known to the U.S. economy?