But that isn't the point. Bricks and mortar specialist dealers have considerably higher overheads than the internet sellers. It costs money to provide comfortable demonstration facilities, products and knowledgeable staff. The internet sellers achieve their prices by being box shifters. Its all about turn-over. Specialists are never going to achieve this sort of turn-over so have to allow for bigger profit margins, a good percentage of which pays for the additional standards of service. In short, if the enthusiasts use the facilities but buy from the box shifters, the specialists will cease to exist and demonstrations will become a thing of the past. When that happens, specialist hi-fi is pretty much finished because, without proper demonstration, very few people are going to be lucky enough to put a rewarding system together. Comparing the situation to the insurance industry is irrelevant. Insurance is a completely different type of product. Specialist dealers are NOT showrooms for online retailers. Yes, everyone has the choice to buy where they want to, but at the same time, those people need to realise that the choices they are making are, in the long term, rather larger than just selecting that one component or system. You can't have it all ways.