Weird stuff coming down the pike from the Federal and state governments which could really crush our industry. California has tried, and recently introduced their own version of the CFPB. And we're still battling the devastation that could be caused by the HEROES Act in Congress.  Rather than sit around and whine, some forward thinking repossessors in Georgia recently formed their own state association to represent their interests. Pat talks to their new president, John Newberry.