Hello Scott, I just wanted to let you know that about two weeks ago I asked my son's baseball coach for a referral. It seemed like a crazy idea at the time, but I needed to make my quota of two referrals for the week. He gave me the name of a company that he does business with. Not allot of options for this risk. The company had a 100% loss ratio on the auto last yr. and there WC is handled by the Assigned Risk Pool. I had less than a week to put a quote together. I followed up diligently making contact with both the President and Vice President a number of times. Realizing that there wasn't allot of options, with an effective date of 8/18, I asked the prospect for a BOR on the Auto and the WC. I sold them on the value added services that I planned on providing them, and pointed out the lack of services currently offered by the incumbent. I also set up a meeting for the owners to visit our new office and introduced them to the people that would be involved in working on there account. I let them know that we had our work cut out for us, but as long as they were committed to working with us, we would be committed to working for them. The auto premium was $70,000 and the WC premium was $60,000. The GL and the Umbrella have different effective dates and will be signed over to us as well. The whole account rounded out will be approximately $160,000 in premium.