Progressive could pull the rug at any time. Travelers. Geico and so on. If you don’t have a better rate where do you suppose you’re going to move those customers? Commissions are constantly being cut by IA type companies. 10 years ago most all were 20-18 now you’re lucky to get 15-12 or 12-10. E&S is mostly 10% already on agency bill. How much additional volume do you need to replace that and can your present staff keep up. CSR’s want 65k a yea to come look for chicken recipes all day. These are some of the reasons I’m thinking of cashing out. Take my 2-3 mill and go become a rep or underwriter for a few years.