Quick question here: regardless of your opinion on them, we all know about IMOs such as NAA. My question is this - why do these IMOs not have access to, for example, Mutual of Omaha's fully underwritten product, the one they quote on their website? Why do agents of these IMOs only have access to AIG's guaranteed life policies and not any of their other products? Are the agents of these IMOs not full representatives of these companies they are contracted with? It does not make much sense to me, as most people are relatively healthy, and the rate for a fully underwritten product would kill the rate for any simplified issue product in most cases, so giving agents access to these products would be a huge selling edge, and it allows the client to get a better rate. Thank you for reading.