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Leonardo da Vinci, who I’m told knew a thing or two, once said, “It is easier to resist at the beginning than at the end.”

It’s probably one of many reasons why so many of my broker friends had such a miserable time in mid-December: Dec. 15, of course, was the deadline for would-be enrollees to sign up insurance effective Jan. 1. So, naturally, most of them waited until the last weekend to start asking for help—much to the white-knuckled frustration of brokers across the country.



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