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what we wanted to do is kind of start off this presentation with a question this is a question that Julian and I ask ourselves quite often Im sure some of you guys in this room ask the same thing thats what is the future of insurance right where are we going in this business well theres one possibility here we could be selling Insurance over VR within the next five years you know having to throw on your headset and have Miss Jones sign with the little virtual pin I highly doubt thats where were going and I surely hope thats not where were going but Ill tell you where we are going right you know will the insurance agent be going extinct will we go the way of the used car salesman right Im sure a lot of you guys have seen these uh little car vending machines maybe driving into Atlanta right off the highway well the thing is some insurance agents will definitely go extinct but only the ones that refuse to adapt right only the ones of us that refuse to you know figure out where th