For those of you on the benefits side of the business, "unintended consequences" may bring to mind the endless list resulting from a 15,000-page piece of legislation that (paraphrasing) "couldn't be understood until it was passed."

But I'm not talking about the unintended consequences of PPACA. I'm talking about the unintended consequences of how too many brokers are still working. Let me give you a few examples.

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