Good luck with the Florida Panhandle; very little disposable income vs other areas due to high cost of housing and low wages; hard to contact leads because many still trying to work just to eat; about 70% cremation due to funeral costs, good luck trying to pay for leads on $3,000 policies; most are not motivated to buy, I guess they figure their families can pay for a cremation; Okaloosa County has a deal with some local FHs to bury those who can't pay, not sure of the details; I learned all of this the hard way, you can burn thru a lot of leads and $$$ with very little to show. Open to ideas.