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You are a general insurance broker. You used to be heavily involved in personal lines, but have found yourself gravitating towards the commercial end of the market. No sooner have you found a comfortable niche in commercial business than the direct writers intrude once more, promising consumers the same discounts and ease of purchase that they get with their car insurance. So you need something to replace what income you have lost, or face losing, but the market is saturated - it is a crowded

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