The question was: In my community, a lot more advisors are asking about settlements and some are starting to offer them. And some big name carriers are starting to get involved too. What is your take on this? The answer is: I think the quality of the competition we face on a daily basis has transformed itself. Some may perceive it to be ugly if a carrier gets involved. I don’t. I think the more people that come into the business–if they are better quality opponents, if you will, or competitors–will only make us stronger. A rising tide raises all boats.