I’m hearing mixed comments from US and foreign ISOs and PSPs. Some claim that they are signing more merchant accounts than ever. Others tell me that they are adding accounts but the average ticket and gross consumer dollars processed are down. Of course in this industry, asking an ISO for a true picture of what’s going on in their business is analogous to talking with the guy who just got back from Vegas and is happy to tell you how much he “won”. They never tell you how much they lost up until that point at which they win. One thing which is apparent is that there are some growth areas both domestically and worldwide which need to be looked at if you are someone interested in long term growth and are broad minded enough to think outside of the traditional brick-and-mortar model.