Indulge me for a moment if you will. Effective in February, just a couple short months away, Visa/MC will be enforcing a 1% chargeback limit. What I'd like to hear from you is your opinion on how this will affect our industry, the way we do business and what changes you think will need to be made.

We have been fighting for our merchant accounts as long as this industry has been around. And we keep getting them because as much as the banks don't like to be associated with "adult business" they know it makes them money. How do you think these new regulations from Visa/MC will change our access to those merchant accounts. Will all the smaller webmasters be driven out of business or forced to sign up under larger programs?

Do you think these changes will have a different impact on the Gay end of the market than on the straight end...if so how?

Looking forward to your feedback.