this conspiracy theory is backfiring, I used to sell insurance door to door, and when I first started, I found out there was a ton of agencies working my debit, and I got discouraged, but my boss pointed out to me that the competition was there selling my product for me and all I had to do was be the one they liked. With my new attitude, I scored big time. I'm enjoying all the "stories " here, and love watching it backfire