This is a great chance for me to get a perspective here. Something Frank said on one of the other threads made me curious. I am NOT looking to market to you, but any info you give could be helpful to my organization when it comes time to select new carriers. When you are considering signing with a new carrier, especially for med supp, what are your top few considerations? Since supplements are standardized, products are the same, so what else draws you to them in order of importance? Thanks for any input you may have.