Vince, refering to your earlier post not the one above, everything you said was smack on and you gave a very good analasis from a strategy view point of how things have changed and why. Everything you said was correct.
However you ignored a few things that balance it out. Our industry is undergoing massive change and massive expansion.IE.
wfp- technological
internet banking- no need to call to collect
Desk top publishing= you can print your own leaflets payment slips stationery etc and appear more proffessional
computer round management- no need for a note book or briiliant memory, you can organise well
Consumer explosion- How many had conservatories twenty years ago?
Raised standards- in our affluent society everyone wants their windows cleaned
What I'm saying is there is an ongoing growth in competition. But the growth in the market and profitablilty outstrips this.All I see is oppurtunities.This time next year we'll all be millionaires