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Woody Allen said "80% of success is showing up." He was wrong because that last 20% can take lots of work. Tom Cargill of Bell Labs is credited with saying: "The first 90% of the (computer programming) code takes 90% of the time. The remaining 10% (of the code) accounts for the other 90% of the (development) time. Everyone says insurance professionals should belong to the country club. You joined. Why are you not getting business?

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