26 - Sheryl Moore: What your Agents need to know about. And that is what is the integrity of the renewal rates with the company that you are doing business with. Because some of these insurance companies have very high, inflated first year rates and they are subsidizing them with the rates in years two plus.
Steve Savant: That sounds so evil to me.
Sheryl Moore: eh... No Comment. I'll just say it's become a function of our independent agent distribution system unfortunately.