That's a very thoughtful take and I am glad to see other people putting a lot of thoughts into this. The only thing I would question is are there really any evergreen open markets. Sure, they might be open today, but will they stay open 5-10 years from now? I mean, just look at home care - could have anyone envisioned back in 2014 that this is going to turn into a VC battlefield? Between Honor and Papa, it will be hard for any independent agency to stay competitive for many more years.
