Hello, everyone. I've been lurking for quite a while so I though I should come out in the open and say hello. I am at the dawn of my insurance career, after speaking with a few of you and doing all the research I could find. I have decided to enter the senior marketplace as an independent agent aligning with a FMO. I chose seniors because I have enjoyed prior experience with direct marketing to seniors. Personally, I am a happily married Christian father of five that enjoys playing the guitar, outdoor life, racing motorcycles and teaching childrens church. I hope to be a part of this discussion panel for years to come.