@Charles MooreIMHO, majority of BP user will flame me but I have a full time job and not looking for another one to look for needles in the haystack.

Money finds the path of least resistance.

If people resist to pay or can't afford to pay, then we offer them the other two options.

How do you handle coaching your pm's when there are areas they could do better, but may be resistant to change?

Welcome, Fabrice, and congratulations on your full time status in REI.Mostly there is a WHOLE LOT OF LOVE here, but sometimes there is a little flaming too.

I expect to get flamed a bit on this as some may feel that it's inconsequential in the grand scheme of things, however, all the jokes and kidding around that goes on during a podcast aside, I believe it speaks a lot of the presenter's credibility to be able to speak like an adult and not a teenager.

I am back- Propert will be inflation resistant and will take care of you if you are not over leveraged.

Direct mail has to be repetitive over time and I spent my budget on a "golden letters" campaign (on the advise from some dinosaur at my market center whose "mastermind" classes I will never attend again), didn't have budget or writer's cramp resistance to keep up with that over time. 

Added more flame to the fire.

You will receive 2 am phone calls over the stupidest of things like, "there is a small blue flame in the fireplace.