These companies of course do not want to shine a spotlight on how they are under performing as they have enough to deal with for shareholders.Sears for instance actually started to have some traction with sales increases in some store segments but the problem is companies will not extend them credit on terms for inventory because they are afraid the company will go out  of business.

Bottom line, if you feel like a segment has too much competition then move to a different segment.

Each bank had a different profile based upon what segment they were targeting.  

REI is one thread in the tapestry that is America.Yes Arizona is quickly emerging on the hardware side of Moore's law.Texas a little more on the software side.Raleigh Durham, Murfreesboro and multitude of other emerging markets.I'm very confident that outmigration from CA will continue for certain segments of the population.There will be more income stratification here in the Golden State.

It's a segment of the rentals that are not often talked about.  

My interest in learning all aspects of Leasing will be a step towards getting into multi-family, fairly soon. ( As i hear that segment is slowing down), I believe there will be companies/people who made a bad decision of buying during the peak time.

There are 10,000 people a day turning 65 in U.S. and it's one of the largest market segments in real estate, with people downsizing, etc. 

Personally I'm not a fan of rentals in this segment; the repairs and turnaround can be very costly.

If you play in the low price ghetto segment, you will have trouble and I think that's what some people are missing here.

Yes, please add the VR option to the market place and glad to see this segment has finally spawned in the BP community.