Hey from San Diego. San Diego is best known for sun, sand, surf, and a laid back lifestyle. I plead guilty on all counts. Regrettably, San Diego is known for the bridesmaids-but-never-the-bride Chargers and Padres (the Clippers couldn’t get out of San Diego fast enough years ago. But the curse continues to follow them, too - no NBA Championship rings for them). I’ve been in the L&H business for over 25 years. Never a captive, I’ve worked for agencies, as an independent agent, marketing consultant to a TPA, and presently rep for an independent IMO consortium. I have the requisite wife, kids, dog, house and an automatic sprinkler system that makes my family proud and is the admiration of my friends and neighbors. I look forward to participating and exchanging ideas with the forum members.