Lori has been watching this site for a while (cell phone app) and after some consideration and a little reading I figured I could add my 2 cents worth as to whats going on. Some of the snippets and comments are interesting and a little misinformed in some cases but over all, everybody's on the same page as far as sentiment for the industry and concern as to what is next; so where to begin?

 Government and regulation; without going to in depth as to my own personal feelings on the…