And why I warned people that they were going to have their book of business taken from them or sold and then get a dear john letter and the ones who fought me to death...got their book taken

and why I give examples of ...back in the 80s when I saw the first book taken....back in the 90s when I saw another one taken...and another and another


And why said say ...5 % are going to make it...leave the 5 % alone...you are getting the other 95% book anyway

So the ones who dont care are not building a book...so have at it with the defaults