My car buddy friend - who is huge in NJ - met with Steve and I recall what he said after the mtg. He said "sharp guy; great product; need insurance companies to get involved". He thought it would be easier to sell when closing a car sale AFTER insurance companies were on board. What would happen if an insurance company wanted to buy the company outright and have exclusive use of the apps? They could also turn around and "sell" the rights to other insurance companies to use the products. WIN/WIN. Go ONCI