yeah i understand, im in northern california, in the San Francisco bay area. I was just curious because i recently became licensed. Now that i am licensed i need to pay for insurance, and taxes. Home owners don't seem to understand that. They just see the estimate and complain that it is too high. They think that the price of the bid is all profit, they don't understand the expenses of owning a buisness. I must admit i used to do work under the table for friends and family, and it was all cash. I was able to give them a deal because i would just charge them for my labor and materials. no extra costs for insurance and taxes. And i refuse to go back to doing work for the prices that i used to charge. I think to myself " then what was the point of going through all the sacrifice to become licensed." I know everybody starts off like this but it just frustrates me, because i haven't been able to get any work.