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Messages - iStop

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76
Stocksy / Stocksy - Are you in or out ? Experiences.
« on: March 25, 2013, 13:17 »
Go Brucie!

For those of you who haven't clicked on the main page yet, get ready to scrooooool.

77
iStockPhoto.com / iStock and DeepMeta
« on: March 07, 2013, 12:22 »
Let me know if you figure out a way to upload only 13 images and end up with 100 in the iStock cue. That would be very helpful. :)

78
Stocksy / Stocksy - Are You Curious? Response?
« on: February 26, 2013, 05:16 »
Stocksy announced they will go live on the 25th of March. Big splash or little puff of smoke?

79
iStockPhoto.com / sjlocke was just booted from iStock
« on: February 12, 2013, 09:03 »
It's always useful to try to think through why things happen. In this case, I cannot believe that Sean could be sacked without the personal approval of Klein. Anyone lower down the food chain would be inviting disaster to sack someone who may well be the second or third biggest money-spinner not just for iStock but for the whole Getty empire.

So what will Klein have taken into consideration? Obviously Sean has been pesky, highlighted the Google deal needlessly (and therefore is a loose cannon, and "not a team player"),  encouraged damaging behaviour against the company by releasing the deactivation script, takes it on himself to criticise senior management decisions and acts as a lightning rod for those malcontents. His record shows that he has no intention of amending his behaviour, in fact the Greasemonkey script shows he is getting ever more out of control. Sacking their leader would be the biggest signal iStock could give to other troublemakers that bad behaviour will no longer be tolerated. So he should go.

But what will the cost to the company be? He brings in hundreds of thousands of dollars a year, but that could just be redistributed among other submitters. His portfolio had a considerable following, so if he goes some major clients might transfer their accounts to wherever he goes next. He's in touch with the Stocksy operation, so getting rid of him will dump one of iStock's biggest assets straight into Bruce Livingstone's lap, making that danger far worse than it is already. Or he might go to SS and the others, who are stripping away iStock clients already, causing additional erosion of the bottom line. Once he's gone, he'll be able to snipe from outside and there's nothing that can be done about it, but since iStock's managers have completely failed to keep him in line, that probably doesn't matter much. Getting rid of such a major industry figure cannot pass without comment in the trade press, which could be damaging (memo to self, book major advertising campaign in trade magazines and tell them we don't want a big fuss over this) and it might spill over into the newspaper business pages, which would be a nuisance. The internet will just be a mess, so all in all the company's image will take another hit.

Cost of sacking Locke? Probably several million dollars a year in lost sales, bad publicity and transfer of business to rivals. Cost of keeping him? Continued meddling in the company's business, attacks on our policies and general troublemaking.

He can go, it's worth a few million dollars or even a few tens of millions  to get rid of him and give ourselves the freedom to do deals without being embarrassed in front of important partners. (Sheesh! The way that guy from Google spoke to me last week!) There are a lot more deals we can do that we don't need him to be highlighting and criticising.
.....
That's how I see the thought processes working, anyway

Very good perspectives. But in addition to the reasons you gave I think iStock perhaps saw another opportunity for some added knock-on benefit in the timing of getting rid of Sean.

This benefit being the fact that Sean had helped the Ground Hog day crowd in deactivating their images with an automated script which was perhaps even pivotal in the success of some of the file exodus taking place to begin with.

So Getty wanted to show everyone that removed, or is thinking of removing files, that nobody is going to threaten them with this tactic now or ever again. And to prove it they set an example by terminating 12,000 files themselves and pushing out one of their most successful contributors. This in their mind shows everyone that they are in control and they don't care if people pull a few hundred or even thousand of their own files or not. Thus they figure removing the head from the chicken, in this case Sean, that they will prevent any future attempts contributors might plan to threaten them with on file removal.

Personally I think the repercussions of what they did to Sean is going to blow up in their face 10 fold in the long run. But hell, they saved their egos, proved that no one contributor is too important to lose, and in the process showed everyone who is boss. Or so they think.

Meanwhile I wish Sean all the very best and have no doubt he will land on his feet 110%.

80
iStockPhoto.com / 82 refunds in the past hour
« on: February 01, 2013, 15:32 »
Which one of the ninnies was it that once promised us about 2 years ago, I think around the time the RC system was introduced, that there would be no more chargebacks to contributors for fraud?

Of course that was just obviously another of the many broken and unfulfilled iStock promises.

And if they ever setup the Live Chat they promised, another failed iStock brain fart, then we could at least inform them of fraud when we see it happening in real time and possibly reduce the total amount of the fleecing.

I think I must have had a total of over 80 refunds throughout the year last year. So much for promises.

Never mind, as long as I have enough left over to buy a new lens cap I'm good.

I truly pity the OP and I feel your pain. Hang in there. Wait until your anger dies down, and you are thinking straight again, and then decide what you want to do to make it right.

81
iStockPhoto.com / Tweaking The Dials
« on: January 25, 2013, 06:25 »
There is all this talk over at Camp-iStock about tweaking the dials on the best match. This is what I was talking about when I said before about "too little and too late" measures to try and breathe life back into the site.

All that's going to come of this "dial tweaking" is a few different files are going to sell than the types of files that have been selling most recently. Is it going to increase sales for people? No, how could it?

As we already know, best match only controls what files people buy, but not how many.

So while people have hopes of a best match tweak messiah, you can't sell more files to people who aren't there to buy them in the first place.

And Getty isn't going to do what they really need to do to increase traffic which are things like lowering prices and spending money on marketing campaigns. So everyone should get used to the status quo of sales and not be hoping for anything more. You will never see Getty reaching into their pockets to spend money to make money unless it is to buyout another small stock agency and bury it.

I also don't think we have hit bottom yet on iStock. Many people this month are poised to sell less than they did even last month.

That means if we follow the heavily declining buying trend that started in September, then February could be even worse than January.

I guess that serves us right for believing in fairies. Maybe the next person from HQ who shows up with empty promises of ways to improve our sales will be named Santa.

82
iStockPhoto.com / iStockphoto can be saved
« on: January 22, 2013, 14:14 »
If you think about the most recent events, Getty pretty much simply botched up a big snatch and run corporate scheme.

Getty thought they would flood their site with the greatest amount of photo buyer traffic out of of all their sites (iStock) with expensive Getty content, and they made this move at the start of the peak fall and winter stock content buying season. It seemed like a slam dunk and a perfectly timed master plan to rake it in for a few months and impress their new partners/owners with windfall profits never seen before. They figured they would perhaps end up marginalizing some iStock contributors when the more expensive Getty stock started mopping up the sales instead of the cheaper iStock content, but no bigee they thought. A worthwhile sacrifice. And they were so absolutely confident with their new best match results (showing mainly Getty content) that the long time iStock buyers wouldn't be phased one bit. After all, the buyers could easily customize the searches for the content in the price range they want anyway if the Getty junk was too pricey for them.

What happened is they did definitely marginalize their iStock contributors almost immediately. But what also happened was that they halfway killed off the iStock brand by losing a huge amount of its buyer site traffic plus about 50% of its monthly revenue. Whoops, didn't see that coming at all did they? Oh well. Sh*t happens, right?

So that's where it is now and it has been for nearly 4 months. Long timers with fantastic portfolios are now making half or less of what they were making just a few months ago and, no matter what rabbits Getty may try and pull out of their hat now, it's always going to be a lot too little and way too late with the buyers having already migrated to lower cost stock content solutions elsewhere.

Very few businesses, except perhaps Apple, were ever able to lose so much of their customer base and then eventually turn things around and end up back on top again. But Getty isn't dynamic in that way and never were. There is no new Getty innovation forthcoming, no buzz, no cool factor, and no great value in their iStock product line to lure new and old iStock buyers back to the table.

Their exclusive contributor base of high quality shooters will continue to keep some buyers around on the site at least, but unfortunately the business model for most exclusives who do iStock as a full time vocation are slowly finding the new raw deal that has emerged from this big Getty cock up is quickly becoming financially unsustainable.   

I think Getty probably now accepts the fact that they killed off a fair amount of their iStock traffic and business in a royally bad corporate play, but their pockets are deep enough they will just suck it up, keep their game face on, keep plodding along, and continue to look for other ways to squeeze a buck out of a quarter instead.

Sadly, the biggest losers are the contributors who lost a fantastic platform for creating and selling their work. It now may take many years before another outlet as good as iStock was comes along to allow these great contributors to sell their work in high volume to the global masses again.

83
iStockPhoto.com / ONE thing about iStock
« on: January 19, 2013, 06:10 »
Perhaps a gold crown being thrown off a bridge?

84
iStockPhoto.com / Please help me with images to first submission
« on: January 16, 2013, 15:35 »
CA is extremely easy to remove from a JPG in PS. Copy the background layer first if you don't want to make any changes to the background layer itself (non destructive PS method). Then take the bush tool, change the brush mode to "color" and then sample an area of color directly adjacent to the area of CA. Set your bush opacity to about 40% and then start painting over the CA area on the copy of the background layer. Then watch your CA disappear. Fast and easy. Should only take a minute to fix a small area. Make sure though to color sample again next to the CA area if you move to work on another CA area of the photo.

Another technique I use sometimes is to desaturate the CA area. Add a hue/saturation adjustment layer. Set the hue saturation to about -80. Then Fill the mask on the adjustment layer with black. Then select white as your foreground color, select the paint brush, set opacity to about 40%, then click once on the mask to make it active, and finally start painting onto the area of CA. You will also see the CA start to disappear.

Hope that helps...

85
iStockPhoto.com / D-Day (Deactivation Day) on Istock - Feb 2
« on: January 14, 2013, 22:10 »
If you look through the portfolios of the top 10 iStock contributors, nearly all of them added new images in December and January. What message does that send to iStock/Getty and tell you about the continued commitment of iStock's top selling contributors despite falling sales, shake-ups, shake-downs, unethical Getty practices, etc?

I guess none of the top deck will be joining this little tea party because they know where their bread is buttered.

So while this group will be deleting, they will be adding.

86
iStockPhoto.com / iStock's Alexa Rank continues to drop
« on: January 09, 2013, 15:45 »
Forget watermelons or pizza, I wonder what it would cost to hire an iStock photographer throwing his crown against the wall for a model shoot?

Hopefully I can save cost by not having to hire any makeup, locations or props. Heck, if I time it right, maybe I can catch a few iStock togs doing it at the same time in unison. With the right DOF and HDR it might look creative enough to make it into Vetta.

I can see shots like this coming into high editorial demand for stock photo industry news articles come the beginning of spring.

Hopefully I can get the shots done on a reasonable budget as well to make the shoot cost affective. But hell, even if I can't, no matter, prices will be raised again by iStock soon enough to cover costs.

87
iStockPhoto.com / iStock's Alexa Rank continues to drop
« on: January 08, 2013, 23:38 »
One of the most disconcerting matters in all of this is that, in part, the fate of our future success on iStock (or lack of at this point) comes down to some celestial entity named "Search Fairy".

How can a self respecting contributor look one of their friends in the eye, when they ask how iStock is going, and reply "Well, you see, it all comes down to the Search Fairy".

What an insult to intelligence and next friends will be asking me if putting teeth under my pillow has helped my sales in any way and what my fortune teller has to say about all this.

If you really stop and think about the way iStock is running things at this point you almost have to question your sanity for continuing to take a serious approach when in fact they certainly aren't.

And so if the control of how content is displayed to buyers on the iStock web sites comes down to a fairy, then I can just imagine how much of a goat rope things really are.

88
iStockPhoto.com / iStock's Alexa Rank continues to drop
« on: January 07, 2013, 21:50 »
Fully agreed.

89
iStockPhoto.com / iStock's Alexa Rank continues to drop
« on: January 07, 2013, 16:08 »
Yes, of course flooding iStock with expensive Getty content doesn't help either brand. Its like trying to sell someone a Gucci bag who goes into K-Mart for a ruck sack. But the fact is they have done it already and it's clear to everyone that the site is flooded with Getty content. No doubt about that. So that confirms their greed and desperation is outweighing their sensibilities.

With Getty's traffic also falling to all time lows they are far more worried about Getty falling down the slippery slope such that they are willing to turn iStock into the sacrificial lamb if necessary in their act of desperation.

But when they started this offensive they probably didn't think it would kill iStock's traffic so quickly or at all. They probably figured, with the ability to search on iStock by price range and collection, the micro buyers would still get what they need whilst also being able to convert some of iStock's massive buyer traffic (which Getty is now lacking) into higher priced content buyers. A self fulfilling prophecy though as we have come to understand.

Surely it's all blowing up in their face. There is no doubt. If the economical micro stuff isn't selling as evidenced by the monthly stats threads on iStock, then you can be rest assured the more expensive Getty macro stuff definitely isn't selling in place of it. The buyers have simply packed up and left for a place that offers them content in their desired micro price range.

But as I said, Getty admins went into this with both feet and so far they haven't shown signs of trying to reverse the downward spiral they created. And as I said, my guess is they won't as I am sure it was a very senior decision maker who was behind all this and he/she will entrench the company with his/her decision saying that the offensive plan simply needs time to become successful followed by some words of wisdom to keep all the staff morale up like "you can't make an omelette without breaking some eggs" as everyone starts worrying about their job security amidst iStock's ailing revenue.

The sad thing is I think the buyers have already said how they feel about their new macro content scheme by leaving. And the rest will become history.

What is also interesting is how in the past when they made bad decisions they were quick to reverse them back. But that's when iStock was more in control of its own fate. Now that the decisions are made by Getty, and their new partners who want to see profits increase ASAP, you won't find them backing out of major decisions so easily. They will sum the blood bath up as temporary growing pains. But in the end no growth. Just pain.

90
iStockPhoto.com / iStock's Alexa Rank continues to drop
« on: January 07, 2013, 12:20 »
Getty traffic has also dropped considerably over the last 2 years. And if you compare Getty traffic against iStock traffic it appears iStock has about 10 times the traffic of Getty at this point, even with the recent tanking of iStock's traffic.

So Getty's master plan is not sophisticated. It is simply to save Getty and they are flooding iStock with Getty content to hopefully capitalize on iStock's traffic to help Getty's sales. They are doing this for better or for worse and after they started this major offensive 3 months ago they are probably seeing the outcome is for the worse.

The question is do they try and reverse things at some point. My guess is the hard headed bean counters will just let their bets ride and end up driving iStock further into the ground. Usually corporates try and reverse bad decisions only after it's too late. Sad but true.

And all of the impact to the iStock contributors being seen at the moment is just casualties of war to them. 

91
iStockPhoto.com / iStock's Alexa Rank continues to drop
« on: January 05, 2013, 01:10 »
An interesting analysis of iStock's traffic as at 8 December 2012:

http://www.statscrop.com/www/istockphoto.com

From the link above:

Istockphoto.com has 13 years old, it is ranked #625 in the world, a low rank means that this website gets lots of visitors. This site is worth $90,497,289 USD and advertising revenue is $17,286 USD per day. The average pages load time is 1.769 seconds, it is very fast. This site has a very good Pagernk(7/10), it has 569,100 visitors and 4,609,710 pageviews per day. Currently, this site needs more than 972.78 GB bandwidth per day, this month will needs more than 29.45 TB bandwidth. This site is Listed in DMOZ, Yahoo Directory. Its seo score is 90.5%. IP address is 74.113.152.32, and its server is hosted at Calgary, Canada. Last updated on Sat, 08 Dec 2012 07:27:19 GMT.



92
I don't know why you all have your sights set so high. I am happy just to make enough to buy a lens cap. Thank you iStock for your wisdom and great inspiration. Without iStock I would have never known what I should be striving for in microstock as I spend hundreds of dollars on a model shoot for my iStock portfolio.

93
iStockPhoto.com / Scam site
« on: December 20, 2012, 00:07 »
There is already a long thread about this. This subject has been well covered already here:

http://www.microstockgroup.com/istockphoto-com/istock-is-hacked/

94
iStockPhoto.com / September: The Start Of The Sales Sham
« on: December 17, 2012, 04:42 »
I think every one has their own experience as to what might be their own best selling months, probably also based in part on the nature of their own content.

But KK had once posted something in the forums before he left saying the 3 best selling months for iStock contributors are September through November, which ties in with all my theories on the basis of timing above.

He had posted that around the same time he posted all those famous quotes about how its not all about the money for the contributors and how iStockers do it just for the fun, along with that great quote in an interview he gave where he said that iStock contributors are happy if they make enough just to buy a lens cap. I guess it's no wonder why he didn't last more than a year in that job. Sorry to sidetrack here.

95
iStockPhoto.com / September: The Start Of The Sales Sham
« on: December 17, 2012, 03:26 »
I find it interesting how all of a sudden sales fell off a cliff for most people when they rolled out the site changes at the beginning of September.

But why did sales fall off a cliff? Well, because in part they flooded the site with more Getty Agency content than any buyer could ever need and pushed lots of iStock best sellers and E+ files to the bottom of the heap.

So I think it's clear what happened really. The best match didn't break and the buyers didn't all run away so quickly all of a sudden come September.

What happened was Getty saw that we are coming into the high selling season on iStock. So they felt what better way to make more sales on high priced Getty content (with only 20% contributor payouts) than by pushing all the popular selling iStock images out of the way and to the back of the best match and move all the Getty stuff right up front on iStock.

At the same time, all of the top selling E+ iStock content was supposed to be moved over to Getty since around the end of the summer if I recall correctly. But alas there was site problems all of a sudden with the content migration onto Getty and the iStock content didn't get moved over to the main Getty site really until the high selling season was nearly over. Interesting coincidence there too.

Now all of a sudden iStock is finally starting to acknowledge a best match mix problem as countless contributors point out issues along with screen shots showing examples of how the best match is so heavily weighted against iStock contributor content.

Again, very serendipitous timing though with their tweaks to the best match the other day to try and appease iStock contributors, but given the fact that the high selling season is now over. In fact, the best match tweak came out only once we are into December, one of the worst months for sales of the year.

Is the timing of all of this perhaps only coincidence?

Meanwhile most iStock contributors were scratching their heads wondering how iStock could possibly roll out all these site changes and allow the site to get screwed up as we came into the high selling season. The truth is they didn't screw up the site at the beginning of September. They merely screwed iStock contributors out of their rightful selling opportunity during the high selling months and Getty came out the winner instead.

I also find it interesting how Getty content on iStock comes up at the top of the best match results and how E+ content on Getty comes up so low in the Getty search results.

I guess what we are seeing is how little value iStock contributors really have to Getty and how they are only really interested in using the iStock site traffic mainly to sell more Getty content via iStock while iStock contributors get cannibalized by the lack of sales on iStock's own content.

I also imagine September through November were good sales months for Getty contributors with lots of Agency collection pictures on iStock.

Now it makes more sense why the HQ admins say that sales have been meeting "their" expectations. They are speaking of Getty as a whole.

All of this will also help improve Getty's bottom line for next year as many iStock contributors miss their RC targets and end up falling down on their royalty rates.

I would love to think none of this is true. But I think a lot of the evidence is their to support all of this.

96
iStockPhoto.com / Content Update: Contributor Resources
« on: December 14, 2012, 00:49 »
I don't really see what's the point in focusing on what type of content people should be shooting and uploading to iStock and try to guide them on this now. I am not going to even bother with any of this nonsense they are touting. It is clear the problem is not the lack of the right pictures, but a bad best match mix and a declining number of buyers. Plus you got all this Getty content flooding the site now and dominating the best match whilst burying iStock contributor content even more. This is a joke. Nobody is sitting there thinking about what to shoot and upload anymore. People are thinking more about where else they can go possibly with their existing content to save their livelihood and what to do about the 50% drop in sales they experienced recently because the site is simply a mess. Nobody is thinking of fixing their huge drop in downloads by adding more content to the iStock site. Right now many people are contemplating more about giving up their crowns than investing in another shoot to upload to iStock.

The bottom line is that sales can't get better when iStock is stopping it from getting better. They can put things back to the way they were in the best match when sales were good for long time contributors, but they don't want to and they won't. They will continue to burry top selling iStock images and replace it with Agency and pictures with no views and downloads as they have been doing.

This is just another smoke and mirrors ploy to distract contributors into thinking they are not uploading the right stuff when in fact all the right stuff is there already. It is just that iStock has buried the right stuff 6 feet under and buyers can't find it, which means they are burying their contributors along with it.

97
iStockPhoto.com / The Fall Of An Empire
« on: December 13, 2012, 08:12 »
That's very sad. I feel your pain. I wish I could rename this thread I started to "The Fall Of The Man On The Street" because in the end Getty will still stand.

Only the people doing the hard labor to create content, and trying to continue to make a living from a business model they were all lead to believe had a stable platform, are now being left to fall with no safety net.

We only have ourselves to blame I guess when we assumed a company wasn't capable of destroying a good business purely out of greed and mismanagement.

One day people will look back at iStock as a case study on how a multimillion dollar Internet company painfully destroyed itself in the course of a few of years.

What a pity.

98
iStockPhoto.com / Blatant Lies - iStock Refund Policies
« on: December 13, 2012, 07:49 »
Quote

3. Why do we remove royalties for fraudulent downloads?

It stops contributors (real or faked) from self downloading with credits bought with stolen credit cards and absconding with the royalties.

Is this saying the only reason they charge back contributors on fraud is to prevent contributors from using stolen credit cards to download their own content and then pocket the royalties?

Interesting. How many stolen credit cards do you have lying around at the moment? Well, last time I checked, I had none. Funny that.

iStock really has a lot of gaul suggesting their contributors use stolen credit cards to steal money from iStock. This is simply salt in the wound and what they have done here is twisted things around to say contributors are guilty of fraud and the punishment is for contributors to be charged back when in fact it is iStock that permits a contributor's intellectual property to be stolen and wrongfully used by criminals. Leave it to lawyers to come up with schemes like this though. Well, I think it's more than obvious the real reason they charge back contributors on fraud. Nuff said.

Quote
4. What is the refund policy on iStockphoto.com?

Customers have 14 days to return a file for credit. When they return a file, they agree to not use that file going forward. In order to reduce any abuse of their agreement, we closely monitor patterns of refund behavior by customers. Additionally our compliance enforcement team handles unlicensed uses.

I have at least 120 refunds this year. 40% of them are from sales that were made last year and at least 80% are on sales that are older than 14 days.

99
iStockPhoto.com / Nippyish note from Rebecca Rockafellar
« on: December 13, 2012, 07:15 »
Personally I couldn't care less about 'more communication from her or others from Getty', I don't go to iStockphoto for social networking I go there to see if they're selling my images which, correct me if I'm wrong, is the purpose of the site. I'd rather nobody from HQ communicated with me, instead I'd prefer they got on and did what they're meant to do and sell our content.
The problem is, as we've seen on many occasions, there will be a select number of naive contributors that will believe this BS and reply with some heart felt, vomit inducing dribble thanking her, and to this end as normal nothing will get done and the site will continue along the downward slope that it's been on for the past couple of years.
So Rebecca if you read this, don't bother replying, not even on your precious weekend, just get on and do the job you're being paid for, it's not an impossible task as thousands of other bigger companies than yours can/do run and maintain a sales website completely trouble free, oh and stop pretending that everything is fine at iS, I,we,you and the rest of the industry all know it's sinking rapidly, it may come as a surprise but quite a lot of us keep track of sales figures you know.

Extremely well put. Truer words never spoken.

100
iStockPhoto.com / Nippyish note from Rebecca Rockafellar
« on: December 13, 2012, 06:57 »
From RR
Quote
In response to a great question raised today in this thread, a couple of folks from the content team are writing up a post that addresses what you, as an individual contributor, can do to drive your business forward on iStockphoto.  We have some good thoughts on this and will share ASAP.

I guess I obviously missed the point of hiring iStock as my agent when I signed up with them to be my exclusive sales representative. I made the obvious mistake of expecting them to take on the sole responsibility of selling my pictures for me while I took on the sole responsibility to create content for them to sell. You see it's not like that at all. I am spending way too much time creating content it seems and not enough time promoting it on my own. In fact, pretty soon iStock will be paying themselves even more to do less for me than what they are doing now when they cut everyone's royalty rates as people fail to reach their RC targets in the future.

What I realized though about this latest nonchalant post from HQ is that they don't take our rants and raves seriously, nor do they feel they need to act on or respond to them. That's right, we are just venting, but we will eventually get in line with it once we have gotten it off our chests. So they believe no matter what **IT they shovel on top of us that we will just suck it all up as we have always done and grin and bare it because they are still the best deal in town. And 30% of what we were earning before is still better than nothing for us so we aren't going to go anywhere.

Well it will be interesting to see what happens when the bigger, better deal eventually comes along as it always does in business when the top company in an industry gets complacent and other companies see it as an opportunity to take away market share. Then when exclusives start walking out in single file to take the better offer, and not looking back, iStock bean counters will be gobsmacked. They will be simply left with a whole bunch of over-priced, non-exclusive content.

They won't care at that point though I assume because the people pushing the wrong buttons now on the iStock side will already have been made redundant and the next investment banker group will already be at the helm thinking of new ways to squeeze a dollar out of a quarter.

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