Thank you very much for providing this forum. There is such an abundance of information here. I would have love to have attended the webinar last night but was not aware of it until this morning. Is there any way that I can get email alerts? I am a new agent in California and began this adventure with Mega Insurance. However, several months of not being able to bring myself to sell a policy I had to exam my confidence in the product and move on to something else. I am glad I found this forum to help me along.