florida gardener has it bang on.. loads of one man bands undercutting, though they usually rap in around august when the going gets tough. The big firms are low ballers and there are loads of wannabbees, talk a good job but poor/late payers, but there are a handfull of upper end great guys.. wish I had more of them.. I am into year two,feel like I am ninety!! its been tough going, but hanging in. from an allergen point of view, it is not great..