I got a lead in by mistake for a lady in TX looking for insurance. After a brief discussion, I gave her a name of an agent from the forum and how to contact him. I also sent Scott (STI) an email with her information and copied her. About 30 minutes later Scott called to thank me for the referral. He told me she was ready to buy whatever he recommended. When I first found this forum (on the old site) Scott & I clashed in a very open & heated way. My initiation into the club was purely by fire but I stuck to my guns (and so did he). Times are different now. I won't say Scott has mellowed, that might hurt his feelings. But I have gained a respect for him and some of the other folks on this forum that I consider to be class acts. I have no problems whatsoever giving referrals to people I trust. I wish I had a tape recorder going. Would have loved to tape Scott as he recapped the conversation. Everyone works this business differently, especially over the phone. I have decided, especially after listening to him, that Scott gives "good phone". I took notes and will be incorporating some of what he does into my pitch. Hopefully he will consent to share some of his dialogue with the rest of us and maybe others will as well. Any smooth operators want to share a few secrets?