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“Breaking Up Is Hard to Do,” Neil Sedaka observed. It’s difficult for an insurance professional to fire a client, just as it is for any other businessperson, especially in an economic downturn, when new clients may be scarce. Is it worth it sometimes to sever the relationship? Consider the title of a lesser-known country love ballad, “I’m So Miserable Without You, It’s Almost Like Having You Here,” which expresses that bittersweet feeling of being rid of someone who causes more grief than gladness, more pain than profit

Louie Castoria

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