Hi Scott,

Happy Holidays!!  I hope everything is going well.  I'm doing great!  It's a little hectic right now but a far cry from what I am use to.  I'm farther ahead then I have ever been and I believe I will write a $150K before the end of the year!  What a difference a company makes.  What I notice most is that the desire to write business is not what I'm use to.  I'm use to a real aggressive, competitive environment.  But I will make it work to be successful.  I can't say how grateful I am for your help during my transition this year.  You were a great listener and thanks for all of the encouraging words!   Take care and stay in touch.

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