Newby since you're so forth coming give us some real #'s of what an imo potentially makes..Lets use an imo that's does $5 mil of ap in a yr. we know they're on 20-30% minimium override.So right there that's at least $1 mil of overrides. So deduct about 20-25% in chargebacks so that still leaves around $750k in fyc. Lets say they have $150k of expense like hiring an office guy or maybe they even have an office. That leaves a whopping $600k in net let over. Now lets get into the back end. A lot of imo's are making 1-3% on the back end. So say an imo organization after a yr or 2 is doing $5 mil of ap. They do that for 7 straight yrs, In the 5th yr even if 40% of the yr one business is on the books. That's $3 million at an avg 2% or $60k. But what about the renewals from the block ofbusiness last yr and the previous 3 yrs.Were talking potentially $300k$500k just on the back end of yr 5. Newby are these #'s somewhat accurate and if not were am I off base?