It is a privilege to be among you. I have had my license for a few years, but have had other projects occupy my time from getting going. It is time for me to start phasing in more effort. My largest setback indeed is lead generation: my agency has a great leads program, but it is a cost, and I am leery with buying leads that may or may not even be quality, let alone turn into a schedule appointment. I hope to get perspectives from all of you on how to approach selling the various types of insurance we are blessed to protect individuals and families with.