Equally smart. Unfortunately, there are too many people consumed by ignorance, selfishness, and greed in this industry. They have become the majority. It's the same path our entire country is headed down. Its sad that this is happening to a large group of educated professionals, but I suppose this is a perfect example that college doesn't teach ethics, integrity, or common sense. I wish they would take the "of good moral character" out of the ATP requirements, because it certainly is not being enforced. Alright, I'm off my soapbox.