They are going to micro manage on these captive home service. But as an independent you have freedom (you are the only one pushing you) if you like the home service business there are a couple of companies out there that do those type policies. And give the captive agents a run or their money, they are not competive with their prices r products, the pressure drives arts out of the business so as an independent you are able to go into the house and offer competive products and the service people want. Home service is an aquired taste it's not for everyone but there is still a need for it