What are you other brokers seeing in your markets with the economy and group sales? Right now in my market business seem to be at a stand still. I am seeing less small businesses starting which I write a lot of these.The business that have just started with in the last 2 years just do not have a budget for a group plan. So I am selling them individual policies. A lot of my clients are being effected by the gas prices so I am having mid year meetings to make plan changes to save 20% on premium. What are you seeing?