Good morning all, I also attended the SHM last night and just want to say WOW!!! If you are in you are Golden... Just to elaborate on the Gallagher deal which is HUGE NEWS, but the best news I don't believe has been stated yet. Here ya go, FOR EVERY CUSTOMER who wants to be insured by Gallagher, They must accept the SFOR PRODUCTS WITH IT. YOU SAY NO TO THE SFOR PRODUCTS, YOU DON'T GET INSURED BY GALLAGHER..... CAN YOU SAY HOLY GOLDEN COW???? Ya got to love it, great meeting and very bright futures for all!!!