I believe the independent agency system and its producers havethe potential, and need, to be a more significant contributor toclient success than any other partner their clients have. I alsobelieve that the future of independent agencies is under attack andanything but assured.

I also believe the agencies and their producers and owners aretheir own biggest threat. And, so it begins.

On a daily basis, we have the opportunity to take a peek behindthe curtain of independent agencies around the country. We areprivileged to be trusted with intimate details of their operations.We hear of successes; we hear of failures; we get to see agencyowners at their most vulnerable, admitting they're not entirelysure how they became so successful, and they're terrified of notknowing how to continue to be successful.

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