yes, I can't see the advantage of joining an agency. I have 4 children under 2. Even with an agency, wouldn't I have to fire my clients? My own grandchildren, who do not pay, are under 2. One of them only comes a few times a week since his Mom is on mat leave, but I have a space for him, that he shares with my 4 year old granddaughter, who only has a space for PA days and summer vacation. Because he comes sometimes though, and my one year old is here every day, I would not be able to take my other 4 who are two and under. I never have more than 5 at one time, but I do often have all 5 under two... At what point do we have to let parents know they need to find alternate care? If I were to go with an agency, I still wouldn't be able to keep any of my paying customers, so I would have to close. I have no objection to being licensed, per se, I just can't see how we can make the ratios work since it is mostly kids under three needing care.