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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?  
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)
https://www.spreaker.com/user/phukhoathaiha/nh-c-ch-chuy-n-xom-tr-h-u-hoang-phien-b-
What do you think is the single most important challenge currently facing independent agents? (please list one item only)
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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)