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The hard reality is the insurance agency business model is fairly simple. You sell and service with a modest back office infrastructure. The business does not require a great deal of capital and you have the benefit of a relatively robust renewal commission stream although it requires a good service platform. You are subject to external forces beyond your control—your need to persevere through the economic collapse in the midst of a soft property-casualty insurance presented a major challenge. Despite the simple business model, executing the model is your biggest challenge.   

What can you do to affect the execution portion of the equation?

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