Thing must be different in places you have experienced. I'm in a county of 43,000. A good 80,000-90,000 in the service area that considers us the local station and the area is becoming more 55+. Our rates are fairly low and personally I do over $20,000 monthly and that is entirely direct, no agency business. We're #1 with in excess of 25% of the county listening, long TSLs and a music intensive AC with 60 second state and world news capsules hourly. We're the only daily source of local news and locally programmed. We have 50 signals reaching our market being less than an hour from a top 5 market. We have no issues with no pays or slow pays. I have to ask for an AR each month. I think we have had two people stiff us this year (less than 2% for sure). Almost zero dollars from auto dealers and furniture stores. My clients range from about $100 a month to $2,770 a month. Most in the $200-$300 a month range. We are universally known and I think i have had one person say, 'you must be the local station'. Everybody else knows the station. Few complain about the music. If they do, they complain we are not country.