That sums the whole thing up as far as I am concerned, nicely put Stan.
I think that Morgan suffer from a lack of competition, they are in a niche market all by themselves, partly because of their reticence and lack of capital to expand over the years, which is standing them in good stead now, as a business. In the real world, they would not exist any longer, but here, in never never land they have things all their own way.
