I was looking at your website and watched your introduction video . So premiere group is like an fmo in the life and health industry overriding agents ? I know reading that direct contracts are very hard to get in P@C as most have high vol requirements . So can a small agency going under you get most contracts ? Are these independent agents under premier group paid directly by the carriers or paid by premier group? I found it interesting that you can provide staff for agency's so I'm thinking all commissions paid to premiere group.Dope!