Sheep. Or better yet - lemmings. Same goes for those who would charge $40 an hour on a time and material basis, cause $15 an hour is what the company owner will end up making after he pays for all his expenses to get this job done. My opinion is I don't care what part of the country you live in, you should ought to dump the by the hour thinking and learn how to flat rate bid. If you lived in Burma, I would pat you on the back and tell you how good you are doing. But you don't, you live in the United States and price yourselves like you live in Burma. I bet your gasoline costs close to $3 a gallon or even more. And do they lower the costs of new 8 cyl 1 ton vans in your area because buyers aren't willing to pay as much around there for a new van as they are in other parts of the country? This is all sort of new to me, I had no idea that liability insurance rates were dependant on what part of the country you live in, I thought they were a result of the type of work you do, and your past record. Same for income tax, I never knew there were different rates for different states. Or workmans comp. Or the cost of filing cabinets. Or the company's computers. Possibly the cost of a yellow page is less there than in the city, and so also your company building, I admit, but not enough to offset your low rates. Pardon me if this post comes across a bit insulting, I am not trying to insult anybody, just trying to get the sleeping to wake up.