Noobie in the industry here gents. What was your first big deal that got you established and setup a huge referral network, if you had such an event happen? Also, how many here built their business completely COLD, from scratch? My GA keeps discouraging cold calling, but that is my option currently. Any insight from the seasoned vets? Also -- should I push for the S-7 as opposed to the S-6, and the S-66 as opposed to the to S-63?