While I have met Phil at some of our producer meetings here in NC, I don't know him other than a few conversations. I do know he had a number of agents under him and give/sold (not sure which) a lot of his leads to people under him. I think I recalled him saying he had 200 agents in his down line. This is not a one man operation. Phil was aggressive with his work (obviously now too aggressive) and was always trying to find an edge. If this was what he was doing, then he has to take the punishment for it. I hate it for those around him that might not have understood what he was doing and got caught up in it. Not sure how it impacts all those agents contracted through him either. I don't want to make allowances for what he has done, but we all make mistakes (this is a BIG one), I hope he can find something beyond this to focus on moving forward. I cannot imagine getting a letter (I assume that is how he was told) about the trouble he is in.