All I can say is, thank God. Since the start of the HVCC, I have lost all my accounts, some I’ve had for over 20 years. I have been appraising residential properties since 1985 in the state of New Jersey, and my business is down about 78%, maybe more. Why do I have a license? Why do I have over 700 hours in continuing education?? I feel like I have wasted the last 25 years in this profession. This has not been fair. The appraisal management companies (AMC) are getting all the work. The professional real estate appraisers are being left out, and why?