I totally agree! But who are the one who are always pushing that bigger is better and working against the FAMIlY FARMER. It sure was Ronald Reagan and John R. Block in the 80's and or Congress is still effected by them and their policies. like the "Dairy Buy Out program" and now they say they went too far. Too many small businesses were crushed under the Reagan Admin. for "Bigger is Better" and we have lost a lot of the main back bone of our nation, look at what was your locally owned bank where all the decisions were made by someone you knew and maybe a friend, "NO MORE"! Bigger is Better Ronald and Deregulation, just like CBOT.