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i've only been to one meeting but you only get 60 sec commercial? and only 1 10 min one per year?
The problem with BNI in my opinion is that when you are forced to provide leads, many times they are not that great. And since you are expected to refer within the Group (I know that BNI frowns upon going outside the group), if your Realitor or P&C person stinks, you are in a tough spot. And it may be you have your own Realitor or P&C guy you like to refer to...