KEEP A CLEAR FOCUS ON FINANCIAL MANAGEMENT by Carol Hammes The hardening market, together with the start of new year give you the perfect opportunity to reflect on how to improve your busine...

SMART AGENCIES SHOULD STAY ON OFFENSE IN A SOFT MARKET by Bobby Reagan and Brian McNeely With no end in sight to the soft market, the question that agency leaders must ask themselves is: ...

THE SERVICE CEILING: WHAT CAUSES IT, HOW TO RECOGNIZE IT, HOW TO BREAK THROUGH IT by E. Al Diamond We have a small Middle-Eastern restaurant in our neighborhood that is family ope...