Chris, just thinking that the lager companies are recruiting agents, in part, because they are offering in house proprietary technical solutions. In the end, I believe they will find two major flaws in this strategy. The first is independent agents often don't use the technology that is available to them. For instance there are many CRM packages available but a common complaint among vendors and brokers is that real use is minimal. The second issue is that it takes a great deal of time to design software for distribution and use in a large organization and even more time to implement it throughout. The speed of development by small companies has accelerated and while the integration with other programs might be difficult it allows adopters to be first with new technology and easy to change if even better products appear.