Just sitting here thinking about the most challenging parts of being an LCO. I would have to say in spite of lowballers, cranky clients, too much rain and the other uncontrollable items, the major issues for me would have to be health care insurance and HR issues. I wish I knew how to unite other LCO's into an association that could go to market to buy large-group health insurance for our industry. This would be sort of a PEO for LCO's. Has anyone came across this type of thing, yet? In addition, the PEO for LCO's could offer HR support.