Ethereum started a major decline below the $3,200 support zone against the US Dollar. ETH price traded as low as $2,807 and it is now attempting a recovery wave.
Ethereum started a fresh decline below the $3,300 and $3,200 support levels.
The price is now trading below $3,200 and the 100 hourly simple moving average.
There is a key bearish trend line forming with resistance near $3,020 on the hourly chart of ETH/USD (data feed via Kraken).
The pair could a steady recovery wave if there is a close above $3,050 in the near term.
Ethereum Price Corrects Losses
Ethereum started a major decline from the $3,500 resistance zone. ETH traded below many important support zones near $3,300 and the 100 hourly simple moving average, similar to bitcoin.
The bears gained strength below the $3,200 support zone. Finally, ether spiked below $3,000 and extended its decline. A low is formed near $2,807 and the price is now correcting losses. There was a break above the $2,920 and $2,950 resistance levels.
The price recovered above the 23.6% Fib retracement level of the recent decline from the $3,455 swing high to $2,807 low. An immediate resistance on the upside is near the $3,020 level. There is also a key bearish trend line forming with resistance near $3,020 on the hourly chart of ETH/USD.
A close above the $3,020 and $3,050 levels could start a decent recovery. The next major resistance might be near the $3,130 level. It is near the 50% Fib retracement level of the recent decline from the $3,455 swing high to $2,807 low. A clear break and close above the $3,130 level could start a steady increase. The next major resistance sits near $3,300.
More Losses in ETH?
If ethereum fails to correct higher above the $3,020 and $3,050 resistance levels, it could start another decline. An initial support on the downside is near the $2,960 level.
The next major support seems to be forming near the $2,900 level. A downside break below the $2,900 support zone could lead the price towards the $2,800 zone. The next major support is near the $2,750 level, below which ether price might decline towards the $2,640 support zone.
Hourly MACD – The MACD for ETH/USD is slowly losing pace in the bearish zone.
Hourly RSI – The RSI for ETH/USD is still well below the 50 level.
Dataset from Foundry shows that four states in the U.S. have the highest Bitcoin hash rate distribution. The dataset shows that many Bitcoin miners are headed to New York, Kentucky, Georgia, and Texas.
Foundry U.S. is the largest mining pool in North America and the fifth-largest globally. The hash rate is a measure of collective mining power. A mining pool enables miners to combine their hashing power with other miners all over the world.
Bitcoin Mining In The U.S.
According to the data, within the U.S., New York accounts for 19.9% of bitcoin’s hash rate, 18.7% in Kentucky, 17.3% is in Georgia, and 14% in Texas.
Source: Foundry U.S.
At the Texas Blockchain Summit in Austin on October 8, 2021, Nic Carter, co-founder of Castle Island Ventures, presented Foundry’s data. “This is the first time we’ve actually had state-level insight on where miners are unless you wanted to go cobble through all the public filings and try to figure it out that way,”
He added that “This is a much more efficient way of figuring out where mining occurs in America.”
However, Carter pointed out that the Foundry dataset does not consider all the U.S. mining hash rates as not all U.S.-based mining farms use its services. One of the largest publicly traded mining companies in America, Riot Blockchain, with a huge presence in Texas, does not use Foundry. Therefore, the dataset does not account for its hash rate. Texas’ mining presence is understated and could possibly be higher than the 14% quoted.
Many of the states with the highest Bitcoin hash rates also have high proportions of renewable energy. This fact may have started changing the narrative that bitcoin is bad for the environment.
Related Reading | $425bn Wiped Off Crypto Market As Musk Says Bitcoin Is Bad For The Environment
According to CNBC, a lot of the miners are moving to these states because they have cheap and renewable sources of power. Data from the U.S. Energy Information Administration (EIA) shows that a third of New York’s in-state generation comes from renewables sources. Kentucky, which has the second-highest hash rate, is also known for its hydroelectric and wind power. The state’s government recently passed a law that grants certain tax exemptions to crypto mining operations.
Carter also said that the migration of miners to the U.S. is positive because it means much lower carbon intensity.
Texas Leads Bitcoin Mining
Although Texas ranks fourth according to the data, experts believe it is the top mining destination in the U.S. The state houses mining giants like Riot Blockchain, and the Chinese mining service platform Bitdeer.
A report from earlier this year shows that large orders for mining ASICs are also being delivered to Texas.
Related Reading | Bitcoin Mining Moves to Texas, Bitmain Announces Partner for Massive New Facility
Crypto-friendly lawmakers, a deregulated power grid with real-time spot pricing, and access to significant renewable energy, as well as stranded or flared natural gas, are what make Texas attractive to miners, according to CNBC.
Featured image by Finance Magnates, Chart from TradingView.com
Airdrops is the hottest event in the crypto industry which has the power to seek a lot of attention from the crypto users. Crypto enthusiasts also await for this event as they can earn free crypto coins or tokens. This popular airdrop project takes place every month gaining new followers into the cryptocurrency space.
So for October 2021, there are 2 exclusive airdrops that are yet to release which increases the eagerness for the users. Thus, the crypto enthusiasts will be busy participating in the upcoming hot crypto airdrops for this month. Additionally, the lucky winners will be announced on Twitter after 7days of the airdrop event.
1. SUKU (SUKU)
SUKUplays an important role serving as a bridge connecting business and consumers in such a traceable and transparent way. Besides, SUKU’s power of blockchain will boost its network to become the future of supply chains today. Further the most interesting feature of SUKU is, it helps the consumers to find the authenticity of the products. Thus, it saves the customers funds developing trustable commerce platforms.
The current market value of SUKU is $0.511194 USD which will surge even more delivering the universal symbol of truth for consumers and brands.
Date of Start: Monday 11th of October, 2021 at 22:00 GMT
– Create a user on infiniteworld.com, select a username, and copy it into CoinMarketCap airdrop form.
2. KingMoney (KIM)
KIM is an interesting network marketing project which grabs the users interests to operate in an easy transport of digital assets. As cryptocurrency is emerging as a financial source to many businesses, rising its economical state in the marketplace.
Besides, KIM has the power to reduce the bureaucracy in transactions across boundaries. Also, the network provides speed transactions of currencies along with speed delivery of products between the sales firms, distributors, and the consumers. The special feature of KIM is, it rejects the presence of external mediators. Thus, with all unique features it has recorded a high value in the market in recent months.
The decentralized finance (DeFi) ecosystem has grown exponentially during the past few years. Beginning with the launch of Ethereum (ETH) in mid-2015, application developers across the globe began to write smart contracts to support a wide range of decentralized applications (dApps). A few years later, other platforms such as EOS and TRON launched their mainnets during mid-2018.
Before their launch, the historic bull market of 2017 brought a lot of attention to the space, which was mostly a niche market. At that time, the market saw Bitcoin surge from around $1,000 in January to nearly $20,000 by December 2017 and the Ethereum (ETH) price skyrocketed from just $10 to briefly over $1,400. Although there was a very strong correction afterwards, many more individuals and organizations became aware of the potential of crypto.
As more users attempted to transact across blockchain networks, it became clear that distributed ledger technology (DLT) networks were just not able to settle transactions as quickly as high-performing networks like Visa (NYSE: V) or Mastercard (NYSE: MA). Although blockchain platforms are fundamentally different from more traditional payment processing networks, both need to offer a seamless user experience.
Visa Executive Identifies Requirement for Digital Currency Interoperability
That’s why the crypto and blockchain space is witnessing many new projects emerge that can address scalability requirements. In addition to being able to handle a large number of transactions, blockchain networks also need to be interoperable with each other. This means that if a user is transacting with a set of tokens on one DLT network, then they should also be able to engage in asset transfers with other DLT platforms in a seamless manner.
Catherine Gu, Global CBDC (Central Bank Digital Currency) Product Lead, Visa, recently noted that as the number of virtual currency networks continues to rise — each with “unique design characteristics” — the likelihood that individual consumers, businesses, and merchants are performing transactions on a single network and utilizing the same type of money (or digital tokens) decreases.
Gu added that the team at payments giant Visa believes that for digital currencies and token economies to be successful, they must provide an excellent consumer experience as well as “widespread merchant acceptance.”
This means that we need to have the ability to make and receive payments, “regardless of currency, channel, or form factor.” That’s why Visa decided to develop their own universal payment channel. While Visa may be focused mainly on payments, this clearly shows that interoperability between different networks, including blockchains, will be essential.
Creating Decentralized Standard for Cross-Chain Interoperability, Liquidity Transfers
That’s why projects such as deBridge have secured millions of dollars in funding, so that they can work towards establishing a decentralized standard for cross-chain interoperability. The developers of deBrige aim to enhance cross-chain functionality by allowing different DLT networks to seamlessly exchange assets and information between each other.
The deBridge development team aims to provide the critical digital infrastructure that would allow large blockchains such as Binance Smart Chain (BSC) and Ethereum (ETH) to interact with each other. While DeFi may be a key part of the digital economy of the future, it will require the support of cross-chain interoperability protocols to achieve its goal of mainstream adoption.
deBridge’s $5.5 million investment round, which was finalized in early September 2021, included participation from ParaFi, Animoca Brands, Huobi Ventures, Lemniscap, Crypto.com Capital, Fundamental Labs, bitScale, and many other investors. Notably, deBridge started during the Chainlink Spring 2021 Hackathon event, where the team received the grand prize while competing against 140 high-potential projects.
The modern consumer demands more accessible and diverse financial services. These requirements have made it critical to establish the appropriate infrastructure to enable interoperability between different blockchains and financial ecosystems.
XRP rises upto 10.34% highest in the past 24 hours.
XRP’s current market shows complete bullish trends.
Analysts predict XRP to reach $2 by the end of October.
Being among the top ten cryptocurrencies obviously adds up immense pressure and responsibilities for the top ten. Besides fighting constantly to maintain their dominance, they have to profusely develop their technology too.
Amidst all this, the 6th ranking upon the top cryptos, the XRP has been quite promising in recent times. The prices have been steadily on the rise for the past few days. In spite of this and also taking its graphs into consideration, many expect XRP to cross the $2 target by the end of October 2021.
October 2021 Trend of XRP
Taking the last 24 hours into consideration, XRP has locked the highest of the week gains of 10.34% a few hours back. Accordingly, the price surged up to $1.2082 making it the highest price for the past 1 month time period.
Ever since the start of October 2021, XRP has been performing steadily, surging up in a rather composed manner. Moreover, the present overall market cap for XRP values about $54.73 Billion.
Moreover, taking the past 7 days into consideration, the value of XRP has spiked up about 12.42%. Also, the price has increased from $1.037 to the highest of $1.2.
In addition, all the hype added to XRP’s current market trend has made many analysts dig deeper. Accordingly, many predict that the graphs of XRP are showing a complete bullish trend throughout the month of October.
In spite of this, if everything goes without the interference of any other external factors, then it’s predicted that by the end of October, XRP will cross the mark of $2 efficasely.
Factors Affecting XRP Price
However, many external factors ought to be at play though for the price of XRP. Ever since the SEC lawsuit on Ripple, many exchanges feared and removed XRP from their listings, making its price plunge down.
Moreover, Ripple’s strong stand against the U.S Securities and Exchange Commission (SEC) lawsuit has recently persuaded the overall enthusiasts. Until any final judgment prevails in favor of the U.S SEC, then XRP price will be on the surge with Ripple’s backup.
On the other hand, constant trouble comes from the next-in-line rival, the Solana (SOL). Likewise, by the second week of September, SOL took the position of 6th place dethroning XRP. However, it was short-lived and just within a few days, XRP gained back its throne.
Therefore, trouble from the SOL is also another added factor that will cause the price of XRP to fall.
Many altcoins are performing better than the mainstream cryptocurrencies in the market. Investors are not only focusing on leading crypto-assets, they are also trying to witness the potential of other altcoins. Some coins have the potential to return the gain to investors and some fail to perform well. As we all know, trading cryptocurrencies does not ensure users with only gain, it is an on and off switch every day.
Stacks is one such altcoin that is now presenting a bullish run. It has the potential to set up a new all-time high if the trend continues. Since its ATH in mid-May, this is the first time that the price of STX has hit above the $2 level.
Stacks is a layer-1 blockchain solution for bringing smart contracts and decentralized applications (DApps) to Bitcoin (BTC). These smart contracts are added to Bitcoin without affecting any of the factors that make it so powerful, such as its security and stability.
Current Market Status
At the time of writing, the price value of STX is $2.09 with a trading volume of $595,870,210 in the last 24-hours. According to Coinmarketcap, STX has jumped over 43% within a day and it holds 57th position. The current circulating supply of STX is 1,818,000,000 coins.
The chart depicts the bullish pattern for the past 24-hours. The price value of STX has surged from $1.43 to $2.16 in a day which is 43% up. With the 7-day statistics, the chart displays a surge of 51%. The top exchanges where STX can be traded are Binance, Mandala Exchange, OKEx, FTX, and Upbit.
Bitcoin NFTs On Stacks
NFTs are being launched on Bitcoin via Stacks. This smart contract platform settles its transaction on the Bitcoin blockchain. Following that NFTs on Bitcoin began to explode through Stacks. Moreover, the firm has a list of upcoming NFT drops for the buyer to purchase.
Considering the recent updates, Bitcoin NFTs on Stacks might be the reason for the surge in the price value of STX. However, the users are expecting more highs and a new all-time high. Significantly, with the ongoing advancements, STX has the potential to reach new highs in the upcoming days.
In the fall of 2017, NFT projects like Cryptokitties took off like a rocket. I had the opportunity to have a lot of discussions about the crypto space, NFTs, and the emerging metaverse.
These conversations centered around how virtual land could become a viable alternative asset niche within cryptocurrency markets, and the metaverse. That’s when it clicked for me: humans have owned land for thousands of years all over the world, but now it’s being replicated digitally on computers around the world.
Virtual real estate will have its own set of economic principles just like physical real estate does, and Next Earth is leading the way in creating this new asset class. Next Earth was launched in August 2021 and has quickly become the metaverse’s largest virtual real estate platform based on a replica of Earth, with nearly $2M in the total value of land owned by users.
The importance of NFTs
In my view, NFTs are a continuation of our evolution from caves to cities to the blockchain – they’re just another tool for us to build our lives and connections digitally.
As we all know, technology is both a blessing and a curse, so I think we’ll have some growing pains as we figure out how to create safe spaces online while also allowing people to express themselves creatively and make money along the way. But if Next Earth is any indication, I think it will be very exciting times ahead for virtual real estate.
Buying virtual land NFTs on Next Earth
All that said, let’s look at the process of buying virtual land NFTs on Next Earth.
First, I just signed up at nextearth.io, with my email and password. Next Earth is the largest and most well-established of the current crop of metaverse real estate companies. I also joined a community of thousands of other landowners and NFT enthusiasts, through their Discord community here.
After creating my account, I created a Binance Chain address through the Binance Chain Chrome extension. If you don’t have a Binance Smart Chain address yet, it’s time to get one. Once you’ve generated an address, you need to send BNB (the BSC native token) to it in order to log into Next Earth and buy virtual land NFTs.
After connecting my wallet, I used the Next Earth map to find virtual real estate that I’d be interested in. Next Earth has a visual map where you can browse all available parcels of virtual land. You’ll also see the current ownership status for each parcel, as well as any bids placed by other users.
Beyond being able to browse the entire virtual replica of Earth, you can simply type in a location, like “White House,” and see if those tiles are available for sale. After connecting your wallet, you can purchase any available tiles. As you can see below, I decided to choose a nice mansion in Hollywood Hills.
Of course, you can also buy land from other users via the NFT marketplace. This is a newly active area of the Next Earth platform – people can buy and sell virtual real estate NFTs with each other. If the tile you’ve browsed was taken, you can head over to the NFT marketplace to see if it’s available for sale from the original buyer.
For example, you can buy Area 51, prime mall locations, wine tasting locations, and many more fascinating real estate plots through the marketplace.
From here, you can do one of two things: you can hold your NFT land and watch the prices increase over time, or you can let someone else put a bid on your virtual land. With Next Earth’s NFT marketplace, you can choose to either hold the item or re-sell it through the marketplace.
Ultimately, NFTs have steadily risen in popularity over time, but exploded recently in part due to the growing accessibility of blockchain technology and the rise of crypto-assets.
Consumers have plenty of options when it comes to buying NFTs. It used to be that buying virtual items was largely limited to popular online games (World of Warcraft, Minecraft, etc.). But now, there are plenty of non-game examples like Next Earth, where you can buy any virtual land as an NFT.
Have you ever thought of going prospecting for gold? Using a sluice box may help you find more of that beautiful yellow stuff. Here how you can plan and build your own gold sluice box. These do it your self projects are popular with lots of folks, and fun to think about even if you just end up buying a store bought product. Here are some thoughts on how to build your own do It Yourself, hand fed Gold Sluice Box – I think it’s a great project for beginners. A wooden sluice like this was the first piece of prospecting equipment I ever built.
A sluice box lined with riffles is one of the oldest forms of gravity separation devices still being used today. They are simple and have been in use all across the world for thousands of years. A sluice is really nothing more than an artificial channel lined with devices to catch gold through which water flows, moving the lighter materials such as clay, sands and gravels out of the sluice. They heavier materials remain behind, trapped by the riffles. For many years, most sluice boxes were home made affairs designed and built in the gold prospector himself. To this day, in the gold bearing regions of third world countries, prospectors design and build sluice boxes out the most unusual items – sometimes whatever materials are available locally. You don’t really need any special sluice box plans – the exact size is really not all that critical.
Making your own gold sluice is actually a very good beginning project for new prospectors in my opinion. Just take a close look at the sluices being offered by the manufacturers, and that will show you how to build your own sluice box. It won’t be difficult to get some ideas to make your own plans. Sluice boxes can be made out of wood, aluminum, plastic or steel. Injection molded plastic is not really an option easily available to the do-it-yourself prospector, and steel has a tendency to rust, so wood and aluminum are the preferred options.
In developing plans for a homemade sluice box, the more time you spend thinking about your design, the better. You don’t want to have to buy parts you don’t need, but on the other hand your slice box needs to work and catch the gold efficiently. A good plan and a good understanding of how a sluice box traps gold are important to your design. I think using miners moss underneath your riffles is a real important item for capturing that fine gold. That is why miners moss is used in the sluices of nearly all commercial suction gold dredges. Having a liner underneath the riffles is an important aid in catching small gold dust, and is very worthwhile. I went with miners moss under all the riffles in my sluice, and I strongly recommend it for you.
The typical wooden homemade sluice is made of boards and varies in width from 8 to 18 inches, usually with a depth of 6 inches to a foot. A typical length would be in the three to 6 foot range. Riffles can be made from half inch square dowel nailed about every 6 inches down the length of the sluice. The section without riffles in the top of the box about a foot long is often left for the spot where material shoveled in. This type of sluice box does catch gold, and is easy to build, but is hard to clean out at the end of the day. In addition, the gravel will beat up the wooden riffles over time. It is also possible to create steel riffles that fit inside a wooden sluice, and in that case you can also use miners Moss or some similar material to line the bottom of the sluice underneath the metal riffles.
Homemade sluices can also be made from lightweight aluminum. Wooden sluices tend to become waterlogged in increased greatly in weight after they have been in the water for time. This gives aluminum quite an advantage and it is certainly preferred in the construction of the homemade sluice. The trough of the sluice, whether aluminum or wood, is usually roughly about the same size.
For those interested in making their own home made hand fed sluice box from aluminum with steel riffles as a do it yourself type of project, I can say if you have any metal fabrication skills, you will find this an easy project. A little welding, a little metal folding and the project is done. If you purchase fairly thin aluminum sheet it will be possible to bend it yourself into the trough shape as a single piece (just don’t go too thin). More information and detail can be found on the authors website.
XYO is a decentralized crypto-location and data blockchain network.
XYO price has gained from $0.025 to $0.037 within one day
One of the well-known cryptocurrencies in the crypto market that operates on the Ethereum platform is XYO. XYO price climbs up over 51% in the last 24 hours.
Accordingly, XYO is a decentralized crypto-location and data blockchain network. As forementioned XYO built on Ethereum blockchain for making it usable in smart contracts, non-fungible tokens (NFTs), and decentralized applications (dApps).
More so, the XYO network has its special unique features among those is XYO users can have their smartphones become part of an XYO network node. In an XYO network, against unique ERC-721 tokens, XYO tokens can be traded and staked for representing real-world locations. XYO price is increasing along with the growth in the user population of the COIN app. COIN app is for geo mining users can download from Google as well as in Apply Playstore. SO XYO crypto accumulates from its recent highs and then gradually appreciates.
XYO Current Market Stautus
At the time of writing as per CoinMarketCap, XYO’s price was waving at $0.03751 with the 24-hour trading volume of $175,875,028. In the last 24-hour XYO price has climbed up 51.01%. The circulating supply of XYO is 12.84B XYO. XYO can be traded in top crypto exchanges such as Coinbase Exchange, ZT, KuCoin, Gate.io, and HitBTC.
The above chart clearly shows the continuous bullish trend of XYO in the past 24 hours. In the last 7 days, XYO price has gradually increased 17.41% and in the 30 days, it has surged over 10%. XYO price has gained from $0.025 to $0.037 within one day. So, if this uptrend is continuous we can expect XYO to hit his new all-time high (ATH) soon.
The diamond industry model of the 21st century should be considered as different from the diamond industry model of the 20th century. This is because there was a single company that monopolized the entire diamond industry.
Throughout the 20th century the diamond industry was monopolized by De Beer, whom some have considered used many underhand methods to achieve and sustain this monopoly on the diamond industry.
It has been suggested that the company used several tactics to take control of the market, for example, they would purchase stockpiles of diamonds that came from other competitors and then manipulated the prices through the aged old supply and demand.
Another underhand methods used was to flood the market with similar products of producers who refuse to join his monopoly.
At the time the family of companies was employing around 20.000 employers on five continents at different places around the world.
The family of companies were involved in all aspects of the diamond industry, from mining of the diamonds, to selling rough diamonds, to distribution and production and also the marketing and the making of jewelry.
The De Beer Family is credited as selling around 40% of the world’s rough diamonds, which came from their own mines or through their joint ventures with various governments.
It might be worth noting here for those who might not know, that it is not the name of a person, but it is the name of the company that was founded by Cecil Rhodes back in 1888 and which was funded by Lord Nathan Rothschild of the Rothschild family.
Cecil Rhodes started a company back in 1871 during the gold rush days selling water pumps to miners. This took place in South Africa where the largest diamond of 83.5 carats was found in Kimberly.
Using the profits from this operation he wisely invested in buying up claims from small diamond miners and in another bold move.
He secured further funds from Rothschild for a massive expansion and De Beer was created in 1888 with the merger of Cecil Rhodes and Barney Banarto, who subsequently became the owners of all the mining production in South Africa.
Cecil Rhodes was afraid that one day someone will find another diamond mine and that is just what happened, enter the Cullinan mine, which was discovered in 1902 and was to De Beer’s major competitor and subsequently the cause of the end of De Beer monopoly.
The owner of the mine refused an invitation to join the monopoly opting instead to do business with the Bernard and Ernest Oppenheimer, which delivered another blow to De Beer’s cartel.
The Cullinan mine was so successful that they are credited with finding the second largest diamond ever found, The Cullinan Diamond and their production soon matched that of De Beers.
However, business being the way that it is De Beer soon obtain ownership of The Cullinan mining industry sometime during the 1st world war.
In 1902 after the death of Cecil Rhodes the De Beer company had been controlling over 90% of the diamond production of the world.
In 2000 a number of diamond producers in places like Australia, Canada and Russia decided that they had enough of De Beer and would be seeking to distribute their diamonds outside of the De Beer cartel. It was this single act the saw the end of the De Beer monopoly.
While appraisal management is not a new concept, the change in the laws that forced their use has caused much speculation about their use, both for appraisers and lenders alike, but for completely different reasons.
Appraisers have several gripes about the appraisal management process and implementation. The first of which is the ethics of the management firms. Conditions have improved for the appraiser, but many are still upset about unfair pay splits, difficulty in getting jobs and the time frame that the firms require to have the job completed.
As the appraisal management companies have increased and experience more competition, they have been forced to change their policies to be more friendly to the appraisers. Where some companies used to take up to 50% of the appraisers fee, most are using a flat fee scale that can be as low as 5%. Also, when they used to require a 24 hour turn time, many now are accepting 48 to 72 hour turn times. Industry standards are definitely changing in favor of the appraiser.
The second issue appraisers have with the appraisal management industry is the inability to talk directly to the lender. While the management companies do serve the purpose of reducing the amount of possible improprieties that can happen with appraiser/lender communication, the inability to communicate also makes it more difficult to solve simple problems that must now go through a middle man.
A third issue appraiser have with appraisal management is just the fact that they have to spend a lot of time signing up with each one. Most companies want an application that can be filled out online, a signed contract that releases liability of the management company, as well as copies of the current state license and E&O insurance. Appraisers could spend days signing up for the hundreds of management companies to bring in the required work load they desire.
The management companies are not going away, although it will continue to evolve, hopefully, in a more beneficial way for the appraisers and lenders.