yahoo is actually the one doing it right.....and I wish google would follow them for a change.....seems if you live in texas and have a texas based IP address you can type in the most basic term and get local state websites to fit your needs......case in point....I have a case in underwriting now that lives in spring texas and told me he found me by typing "term life insurance" in yahoo.....then today got a lead in austin doing the same thing....guess what ...I am not showing up on page one for term life insurance in google......