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 brokerfriends had such a miserable time in mid-December: Dec. 15, ofcourse, was the deadline for would-be enrollees to sign upinsurance effective Jan. 1. So, naturally, most of them waiteduntil the last weekend to start asking for help—much to thewhite-knuckled frustration of brokers across the country.

They vented on social media—including more than a few picturesdocumenting wait times on the HealthCare.gov hotline—although itlooked like it was more of a lukewarm line at best. A few eventexted me, raging against the machine, the gears and the soylentgreen it kicked out.

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