I was reading the various posts as a result of a comment someone else made at a GTBK meeting I was attending regarding this forum thread; in retrospect, it is laughable that one can depend on advice in a forum such as this. For one thing, the only folks who have a stake are those who are going to be negative; for the most part those that have a positive experience are both too busy to bother and often don't care (they are fine having fewer other agents using a similar system). I had the opportunity to discuss a couple of the negative posts in this forum with a GBTK partner and his side of the story (you don't get BOTH sides in these forums either, now do you?) made the negative posts even that much more humorous. The bottom line in our business is that success is up to you, you can only choose what and whose support system works best for your own business. the good thing about our business is that there are AMPLE opportunities to be succesful. But, using the good old 80/20 rule, only about 20% are going to do what it takes to succeed. Or, as my first general agent told me years ago "The difference between successful agents and unsuccessful agents is the successful ones are willing to do the things that the unsuccessful agents are not willing to do." Blaming the system or anyone else is typical -- I think -- of an unsuccessful agent