Randy have been in the insurance industry for almost 20 years, and have seen lots of changes on the business side of things, to the clients side. The business side, underwriting is tighter so its important to make sure Randy do a great job up front. The clients have most certainly changed in the last 20 years. Clients are more educated, and know what they want. No longer do clients just look in the phone book and find the cheapest guy in town. We have changed our philosophy as our clients have changed theirs. They want value, but prices that are affordable. We are a full service agency. What that means to our customers, we are not tied to one company, we can offer several options for you