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Yeah, I have nothing but respect for Jeff as well.
I never started when it was just direct contracts for indy agents. I know the business has changed a lot since I started about 7 years ago.
At this point, I'm not even confident this is a business that is going to be fruitful for indy agents starting out. I think that boat is sinking. I hate to say it. It's just getting harder and harder, more saturated and messy.
I could be wrong, but that's my opinion.
FEX has new agents coming in regularly and killing it.
Many did start with other IMO's and didn't make it.