Which banks are the Nat's with? I know for us WF has nearly dried up since they started the Home Depot program. We used to be completely slammed with WF houses. We now have alot of BAC properties, and if you are able to speak with your agents, they may be able to get you the work. Also, we have been getting some of the work that is bid less than the sam vendors (not much). If you have any larger agents, you may see if they are able to speak with the asset manager. Many times we are able to come in far less than the national provider is, and can control the quality of work better since its dealt with at the local level. Banks seem to be warming up to the idea again.