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What do you think the climate for independent agents and brokers in South Carolina will be like in 3-5 years compared to now? Same
What do you think will be the single most significant event or trend influencing independent agents in the next 3-5 years? (please list one item only)

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What do you think is the single most important challenge currently facing independent agents? (please list one item only)
 
What do you think will be the major problems facing independent agents in the 3-5 years? (list all you want)
 
What is the single greatest challenge facing the ASSOCIATION? (please list one item only)