RHS 146 - Live Recording of Bradley Flowers and Ryan Hanley Talking Insurance

Speaker 1 This episode is brought to you by Progressive Insurance. You chose to hit play on this podcast today.
Smart Choice. Progressive loves to help people make smart choices.

Speaker 1 That's why they offer a tool called Auto Quote Explorer that allows you to compare your progressive car insurance quote with rates from other companies.

Speaker 1 So you save time on the research and can enjoy savings when you choose the best rate for you. Give it a try after this episode at progressive.com.

Speaker 1 Progressive casualty insurance company and affiliates. Not available in all states or situations.
Prices vary based on how you buy.

Speaker 2 When you think about businesses that are selling through the roof, like aloe or skins, sure, you think about a great product, a cool brand, and brilliant marketing, but an often overlooked secret is actually the businesses behind the business making selling and for shoppers, buying simple.

Speaker 2 For millions of businesses, that business is Shopify. Nobody does selling better than Shopify.

Speaker 2 With ShopPay, that boosts conversions up to 50%, meaning way less carts are going abandoned and way more sales happening.

Speaker 2 So if you're into growing your business, your commerce platform better be ready to sell whatever your customers are scrolling or strolling on the web, in your store, in their feed, and everywhere in between.

Speaker 2 Businesses that sell more, sell on Shopify. Upgrade your business and get the same checkout Skins uses.
Sign up for your $1 per month trial period at shopify.com slash Westwood One, all lowercase.

Speaker 2 Go to shopify.com slash Westwood One to upgrade your selling today. Shopify.com slash Westwood One.

Speaker 4 October brings it all. Halloween parties, game day tailgates, crisp fall air.
At Total Wine and Moore, you'll find just what you need for them all.

Speaker 4 You'll find thousands of wines, spirits, and beers at the lowest prices. Mixing up something spooky? Total Wine and Moore is your cocktail central for all your Halloween concoctions.

Speaker 4 You'll always find what you love and love what you find. Only at Total Wine and Moore.
Curbside pickup and delivery available in most areas. See TotalWine.com for details.

Speaker 4 Spirits Not Sold in Virginia and North Carolina. Drink responsibly B21.

Speaker 5 Hey guys, before we get started, I just wanted to hit you with a quick message. I know you've probably heard at this point about a Rogue being acquired by SAA.

Speaker 5 It means we're finally have the capital, resources,

Speaker 5 expertise, tools,

Speaker 5 the backing, the support to execute on the vision that Rogue was originally created for, this idea of a no-ceiling insurance career.

Speaker 5 So, if you see yourself as a misfit, gangster, renegade who just is not happy with their current situation, but is ambitious,

Speaker 5 can work on their own, but loves a team that's going to help them drive forward.

Speaker 5 If you want to be part of something special, if you want to grow your career,

Speaker 5 you don't have to be a producer. We're always looking for great account managers.

Speaker 5 We're looking for anyone who wants to be part of something special that's going to buy into what we're doing and wants to grow and

Speaker 5 just do the damn thing. If that sounds like you and you're listening to this show, go to join.rogrisk.com.
That's join.rogrisk.com and

Speaker 3 apply today.

Speaker 5 We'll see what happens. All right, let's get on to the show

Speaker 3 In a crude laboratory in the basement of his home.

Speaker 3 Hello, everyone, welcome back to the show.

Speaker 5 Today, we have a tremendous episode for you: a live conversation between me and Bradley Flowers at the IBNO event in northern Iowa.

Speaker 3 Ohio, not Iowa, northern Ohio.

Speaker 5 We were in Cleveland, and we were asked by this organization, Bradley and I, to do a keynote together. And we didn't just want to stand on stage and kind of talk at the audience.

Speaker 5 We wanted to kind of make them part of the experience, and we wanted to do something that was a little different.

Speaker 5 So, what we did was we set the room up in a way where we sat in the very middle of the room and at a round table facing each other, like we would if we were kind of podcasting in a room by ourselves.

Speaker 5 And then I interviewed Bradley like it was a like it was a podcast episode except we were surrounded by probably 100 150 people um it was a really cool experience uh i think the audience um

Speaker 5 you know was

Speaker 5 they we got tremendous feedback so i could tell they were engaged but you don't get a lot of uh questions from them um during it and you know the audio isn't as crisp or as clean as it would be if we were doing it like over zoom in a normal or in a studio in a normal setup so you'll have to bear with the audio quality You can still hear what we say, and it comes out really great, but it's just not as crisp and clean.

Speaker 5 There's a little bit of background stuff, you'll hear some bumps, and you know, kind of the standard stuff that comes from a live show. But in general, I think you're going to love this conversation.

Speaker 5 We talk a lot about culture, a lot about hiring, a lot about how do we get the most out of our people, as well as talk break down some of the marketing tactics and stuff that are working right now.

Speaker 5 Just a great episode, as always. Bradley is an innovator.
I enjoy speaking to him because I learn so much when I do. And I think you're just going to really like this episode.

Speaker 5 Before we get there, I want to give a quick shout out to the sponsors of the show, the people that make it possible. First and foremost, Podium.

Speaker 5 Podium changes the game when it comes to capturing leads on your website. How do you interact with them? Their live chat to text feature, which is the feature that we use the most

Speaker 5 at Rogue, allows us to capture inbound conversations via chat and a web or mobile app.

Speaker 5 And then when we respond in the app, it actually responds as a text message to the person who sent it so the the response time is 95 plus percent

Speaker 5 you know if you're looking for a chat feature if you're looking to capture more tools and give your

Speaker 5 prospects and customers a new avenue to communicate with you then podium is absolutely a tool that I would check out that's p-odium.com

Speaker 5 also want to give a quick couple quick shout outs to a few technology vendors that I think are doing incredible work and just had a chance to spend some time with them.

Speaker 5 And that's Tarmica, T-A-R-M-I-K-A.com, T-A-R-M-I-K-A, guys, changing the game and commercial rating. A lot of competitors out there.
Tarmica is the best. T-A-R-M-I-K-A.com and Better Agency.

Speaker 5 Guys, I got a demo. You know, we obviously we use HubSpot and we use Now certs, so I'm not on Better Agency right now.

Speaker 5 It doesn't mean I won't be in the future, but I had a chance to get a demo from Will and Nick a couple weeks ago, and I was just blown away by the progress they're making.

Speaker 5 So I wanted to give a big shout out to them as well because they just, I think they're pushing the game from an independent

Speaker 5 agency management system, CRM space, the integrations they make, the decisions they're making. I think that tool has come a tremendously long way.

Speaker 5 I had Nick on the show a few weeks ago if you want to go back and listen to that.

Speaker 5 And I just

Speaker 5 love what they're doing.

Speaker 5 Love when we see a tool that's coming out of our space that isn't kind of owned by one of the big guys, you know, who you know is just looking for ways to kind of lock you in and,

Speaker 5 you know, not necessarily innovating. Better agency is innovating.
Love to see it. Love to see it coming out of people that I know to be good people and big fans of them.
So go to betteragency.io.

Speaker 5 That's betteragency.io. And with that, my friends, let's get on to Bradley Flowers.

Speaker 3 Oh, I am so pumped for today.

Speaker 7 Guys, we are going to kick it off with two people

Speaker 7 who honestly have made an incredible impact on my own life. I'm honored that I get to introduce them today.

Speaker 7 They're two people who have pushed me into places that I didn't know I was capable of, and I know that they will not leave this stage until they do the same thing for you.

Speaker 7 I am so pumped to welcome Bradley Flowers, the CEO of Portal Insurance, and Ryan Hanley, the CEO of Rogue Risk.

Speaker 8 Let's give give him a warm welcome.

Speaker 3 In a crude laboratory in the basement of his home.

Speaker 3 We're going to do something a little different today.

Speaker 3 There was no way I was going to be able to stand on that stage so far away from you guys. And Bradley and I kind of had the idea of turning this into a conversation and a podcast.

Speaker 3 So we're going to do it from right here in the mix of you guys, which allows you to, so some of you have to turn around.

Speaker 8 People are running away.

Speaker 3 Yeah, sorry, not sorry. But so this is, we set this up, being that neither one of us had ever done a dual keynote before.

Speaker 3 And we said, well, hey, we're both podcasters and we both like having conversations.

Speaker 3 And we're going to try to turn this into a podcast style conversation about what's going on in the industry right now. and give you guys kind of an inside look at how we do this.

Speaker 3 Now, a couple things here. You can shout out.
You can be part of this. If you want the mic, we'll stand up and walk over.

Speaker 3 But I feel like this is a little more intimate. We can all agree.
We're right on top of each other.

Speaker 3 And this way, when we say something stupid, when you throw stuff at us, you'll actually hit us because there's about 40 feet up there.

Speaker 3 And I don't know that any of you have a strong enough arm to hit us from back.

Speaker 8 Unless you play for the Browns, you're not hitting us up there.

Speaker 3 Yeah, I mean, if you had Josh Allen's arm, then maybe, yes, go, Bills. So, all right.

Speaker 3 All right. So, we already got one.

Speaker 3 Everyone's going to boom. They're America's team, though.
I can't help it. So, Bradley, I

Speaker 3 like to do something. Some people, you know, may like it, some people don't, but I tend to toss ideas out into the ether.
I use the podcast, I'll write articles, share posts, whatever.

Speaker 3 Most of the ideas, when I start them, they're not fully fleshed out.

Speaker 3 And it's something that bothers people because they feel like everything we post online should be like 100% what we believe, fully thought-out concepts. So

Speaker 3 the idea that I'm about to share with you, I want to be clear.

Speaker 3 I have not thought this all the way through.

Speaker 8 And we haven't talked.

Speaker 3 We haven't talked about it. I did not share anything of what we're going to talk about with Bradley.
So he's coming fully off the cuff.

Speaker 8 Which is great when you're sitting in the middle of this room.

Speaker 3 So the idea that hit me, I was listening to a podcast with the guy from Shopify. He has this

Speaker 3 concept with the people who buy Shopify stores and run them of arming rebels. That's what internally they talk about.
They're arming rebels.

Speaker 3 Amazon is the big bad enemy, and these little Shopify stores that pop up are entrepreneurs, and they're the rebels of retail, I guess.

Speaker 3 And I was thinking about that concept and trying to apply it to insurance, and I kind of came up with:

Speaker 3 where are the opportunities insurance in terms of this concept? And here's the idea: I feel like,

Speaker 3 unlike any time in our past, being a rebel in our space today pays the most dividends. That we have, unfortunately, out of necessity, become an industry of conformists.

Speaker 3 We relish the fact that we are severely slow adopters of technology, that we're laggards in every capacity.

Speaker 3 And

Speaker 3 it's

Speaker 3 a safety mechanism.

Speaker 3 We've all built our kingdoms.

Speaker 3 I know that if your agency looks and feels like mine and operates like mine and stays in their zone, that you're you're not going to mess with me and you're going to make your money and I'm going to make my money.

Speaker 3 And that's all great, except you and I, when we're in our early 30s trying to grow up in this industry, we can't do it the way everyone who's established today did it. We just can't.

Speaker 3 So we have to find different ways.

Speaker 3 So, my question for you to start this off is:

Speaker 3 Where's the low-hanging fruit being a rebel? What's the first thing you can start to do, start to think about to crack this code?

Speaker 3 Because, you know, when there were were only a few thousand agencies in the in the country it was easy to start a new it was you could have three on a corner because there was no technology no digital no way of getting to the town next door now you can you're in how many states do you write business in i i don't know a lot yeah right i'm in all 50

Speaker 3 and we're based out of albany new york i think we're in 30. yeah so

Speaker 3 Where's that low-hanging fruit in being a rebel? What is the first thing you can start to do? How do you start to stand out? How do you start to crack into this

Speaker 3 world?

Speaker 8 So first of all, anytime I podcast with Ryan, I put my controversial hat on. And it's a lot harder to be controversial when you have 200 people sitting right beside you versus a podcast studio.

Speaker 3 I'm leaving after this, so it's okay with it.

Speaker 3 You know, I think,

Speaker 8 you know, my wife and I buy a little bit of commercial real estate, and it's all, you know, it's about buying real estate at 75 cents on the dollar.

Speaker 8 I think looking for opportunities not only within your agency, but outside of your agency.

Speaker 8 So, in other words, maybe we can, you know, we interviewed a lady recently, or I say recently, it was like two years ago,

Speaker 8 that was, everybody here knows the term VA?

Speaker 8 Virtual assistant. Virtual assistant.

Speaker 8 She was making $60,000 a year doing the exact same job that my VAs do, for a lot less.

Speaker 8 You can't tell me I don't win that game in the long run, right? So, things like that, being a speedboat compared to the Titanic, being able to pivot, you know what I mean?

Speaker 8 I gave a keynote yesterday, the PIA of Memphis, or PIA of Arkansas in Memphis, and

Speaker 8 I gave the example of, you know, these three things are our niches, but I may walk in tomorrow and say, hey, now we're doing bakeries.

Speaker 8 Being able to pivot on a dime within your agency, I think using technology that makes you incredibly flexible allows you to do that.

Speaker 8 But I think also outside of your agencies, looking for opportunities, whether it's joint ventures, whether it's, hey, I'm going to form this strategic partnership with this mortgage brokerage or whatever, you know, embedded insurance is like the next term that's going to be thrown around, much like data and integration has been thrown around.

Speaker 3 Equal embedded insurance, because that's one of the topics I want to talk about later.

Speaker 8 I think there's opportunities in that arena for agents.

Speaker 8 So I think just looking for ways to be, I know this is kind of a very vague answer, but I think just looking for ways like, hey, how can we reduce expense, reduce friction? I'm a big proponent.

Speaker 8 Everybody thinks I'm this big tech guy. I'm like the least tech-savvy person you've ever met in your entire life.
I just surround myself with friends, many of whom you know that are tech savvy.

Speaker 8 I'm like, hey, how do I do this thing?

Speaker 8 And then it always ends up like, hey, can I just pay you 500 bucks to build this for me?

Speaker 8 And so I think

Speaker 8 looking for

Speaker 8 less tech that does more.

Speaker 8 Yes. Like people tend to get shiny object syndrome and oh, yeah, we're adding this new tool, but it doesn't integrate with anything that we're using.

Speaker 8 Therefore, it's going to solve one problem, but create another one.

Speaker 3 I heard you talking about the less tech that does more concept. And

Speaker 3 I have also dealt with shiny object syndrome. There's actually like a shiny object syndrome anonymous club now.
It's a whole 12-step program that you have. Are you the president? Yeah, yeah.
Well,

Speaker 8 I may be the vice president.

Speaker 3 And I'm just a member.

Speaker 8 When I say that, I've said that on a couple podcasts, and I got messages from the non-tech people that are like, hey, we should be out of filing cabinets.

Speaker 8 And everybody comes in the office and wet signatures. And I'm like, that's not what I'm saying.
Like, you think I'm supporting you by saying that? I'm not saying that.

Speaker 8 I'm just saying, like, we do need more tech, but we need it to be a less amount of tools.

Speaker 3 Maybe a higher utilization of the tech that we actually have versus what we do, which is have 17 things and only use 5% of them. Correct.
Yeah.

Speaker 3 I couldn't agree with that more. It's one of the reasons that we recently switched to HubSpot.
Now, it's a big tool.

Speaker 3 And to be honest with you, there are days when I wake up and I regret the decision to do it.

Speaker 8 So you're dreaming about the color orange.

Speaker 3 Yeah, but when I see it working, right, and I'll give you an example of what I mean.

Speaker 3 And the reason I went there is it's one tool that we took by adding HubSpot, and you have some headaches and there's a build out and you got to think through it, and I'm not saying that it's easy.

Speaker 3 We took 10 tools and made them four. So now my team only has to log in to four things when six months ago they had to log into ten different things to do the same function.

Speaker 3 And that to me, as much as I did with the bitching and the griping and the oh, it's another new system, but now they're like they can send emails, track emails, texts, it's all in one feed, attachment, everything that we want to do.

Speaker 3 I'm not going to get into exactly how we do it, but everything we want to do is in one screen for them, except for two other things. Guess which one? One of them is the agency management system.

Speaker 3 And we won't get into that unless we want to we might

Speaker 3 I didn't see one here so oh so we can we can I don't see is there an agency management system here so we can tear into it no

Speaker 3 are amazing and I'm so glad that we have them and they're doing such a great job from an innovation perspective

Speaker 3 so when I was thinking rebels I was thinking one of the things that came to my mind was our people Like the mindset of our people, right?

Speaker 3 Because I hear all the time, Ryan, recruiting is so hard, it's hard to find good people.

Speaker 3 Well, it's hard to find good people if your strategy for finding people is cherry-picking them out of other agencies. That's a hard way to find good people.

Speaker 3 Because, one, if they were actually good, they wouldn't leave where they were unless, or you're gonna have to pay them three times what they're worth. And that's not saying people aren't worth things.

Speaker 8 And they're gonna tell you the better way to do things.

Speaker 3 They're gonna tell you the better way to thing. They're gonna have technology issues because they're gonna have trained in a different system.

Speaker 3 So, one of the things that we started doing was targeting young moms. Because there is nothing that old white guys hate more than a young mom at work.

Speaker 3 Because she's got to take her kids to the doctor and she's got to pick them up from school and do all this stuff.

Speaker 3 And they don't want the kids to be on the Zoom call when they're talking as a team. And I'm like, I don't give a shit about any of those things.
I love it.

Speaker 3 And what we so at any given time, I have four women who all have kids under five in my office.

Speaker 3 And any given time, all of their children will be like on the Zoom call with us during the middle of the day.

Speaker 3 And they're like, well, you know, they're not being productive, ryan how can they be productive if their kids running around because i will take 30 minutes of a amazing high quality employee's time where she then has to go and it's all women and this isn't like a man woman thing just they all happen to be women single dads or dads with kids i'm fine with too um

Speaker 3 or whatever however they gender classify um so you know the the

Speaker 3 I'll take that 30 minutes of an awesome person's time and the other 30 minutes I got to go make peanut butter jelly sandwiches and change diapers and shit.

Speaker 3 I'll take that really good person's 30 time, then an hour of someone who could give two flying F's about working at my agency and it's just another job and it's a paycheck.

Speaker 3 And that strategy, I have two in Florida, one in Michigan, I have another one in Albany.

Speaker 3 Like they are rock stars and they felt completely tossed away by their old agencies and they are their production levels like off the charts.

Speaker 3 And to me, when I start thinking about like rebel mentality, like this idea, and again, it's not fully baked, like that's the type of stuff that we need to start thinking about: is like, why are we tossing 32-year-old moms with kids under five out into the woods because we don't want them on Zoom calls with their kids?

Speaker 3 Yeah, that is a stupid thought process, in my opinion, and I'm like happy to leverage it.

Speaker 8 Well, it's kind of like when COVID first happened, I had agency owners reaching out to me and on some of these Facebook groups saying stuff like,

Speaker 8 How do you know your people are working?

Speaker 8 Like, what clock-in, clock-out system

Speaker 8 are they getting their job done

Speaker 8 as long as they can get their job done like we have it's kind of cliche now but we have an unlimited time off policy at the office yeah because people have stuff like you got to go to doctor's appointments you got to pick up your drag clean like you know what i mean and i'm like are they getting their job done that's the only metric we should and are they a good person that's the only metrics we should be going by yeah

Speaker 3 i couldn't agree with you more we if you have the systems in place to track activity so we salary every one of our employees we don't go hourly for that reason.

Speaker 3 So we salary everybody because what happens is.

Speaker 8 I'd rather just not keep up with the hours.

Speaker 3 Yeah, yeah, the hourly thing is terrible too. And like you're thinking about how many, I only have so many brain cycles.
So like I can't, I don't want to know if like Tammy worked 38 hours versus 40.

Speaker 8 If they worked a half an hour, they're going to tell you.

Speaker 3 Yeah, I'm like, I don't even want that in the culture.

Speaker 3 So the culture that I want is if you need to take two hours in the middle a day to go to your kids, recital, or you need to go pick up your dad from the doctor because he can't drive or whatever, I don't even want to know that you're doing it.

Speaker 3 Punch into Slack, hey, I'm going to be out for two hours. I'll be back.

Speaker 3 And what happens is, I watch when they log into the systems, they come back in at six, eight, whenever to get it done because they know ultimately all that matters is getting activity done.

Speaker 3 And what you get back is

Speaker 3 maybe everyone, everyone steals time. Everyone in this room steals time all the time.

Speaker 3 So to pretend like people don't steal time is crazy, or to act like you're going to manage them out of stealing time, or like, whoa, you know, she or he that was on Facebook. Who cares?

Speaker 3 Did they get their job done? Are you getting positive feedback from your customers? Like, are they adding value? Are they helping with new ideas?

Speaker 3 Are they taking on tasks that maybe are overflow from another team member, like doing the things that a good team member does?

Speaker 3 If they want to steal a little time or listen to Joe Rogan's podcast in the background, as everyone should be, at least every good American,

Speaker 3 then I think that's a super positive thing. And

Speaker 3 it doesn't bother me. And I feel like that's that's how we start to scoop up these

Speaker 3 employees that are just being dropped on the floor. Like, I feel like there's a lot of really good employees on the floor right now, and there's an enormous opportunity for all of us to scoop them up.

Speaker 8 I gave a talk yesterday on culture, and we are not perfect at culture. That's like the first thing out of my mouth.
And it's not something you accomplish,

Speaker 8 it's a living, breathing thing that you're constantly working on, and if you ignore it, it's going to go to crap. And

Speaker 8 the biggest point of the talk was:

Speaker 8 I'm a startup like we're really small we're two years old right been in the business 10 years but the agency is two years old

Speaker 8 our I can't I can't pay people what some of these big agencies can pay them

Speaker 8 our competitive advantage is culture like the people that I have working for me like I guarantee you most of them probably could get paid more somewhere else and probably shouldn't be working for me to be honest with you right

Speaker 3 but it's the culture

Speaker 8 and one of the things we're doing this is kind of funny,

Speaker 8 like they told me to dress rock and roll for this. Like, this is how I dress every single day.
I'm not joking. I am wearing a rock and roll t-shirt.
That's it.

Speaker 8 And that's, you know, we're when you walk in our agency, we look like a tech company, not an insurance agency.

Speaker 8 And now we do have a rule dress for your day if we're meeting with a big client or something like that.

Speaker 8 We're going to do khaki Fridays.

Speaker 8 Which is,

Speaker 8 I know that sounds dumb, it's 100% a recruiting move. Because these other people at these agencies who have to wear pantyhose

Speaker 8 are going to see that and be like, damn, I want to wear jeans every day.

Speaker 3 They still wear pantyhose in Alabama.

Speaker 8 In Alabama, they do, yeah.

Speaker 8 But I want to bring up, you're the one that brought up

Speaker 8 the one that brought up Joe Rogan, not me. I just want to bring that up.
You're in New York.

Speaker 3 I haven't heard that word in like a decade. Yeah.

Speaker 8 We're first in football, last in everything else.

Speaker 3 I think, so to your point,

Speaker 3 it's not about how much money people make, right? There's a fine line there, right? You have to be in the ball game. You can't be underpaying people.
But I do think that

Speaker 3 I think the tech industry in general has changed the mindset, specifically of maybe people under 45 around this particular topic.

Speaker 3 It's so much more about,

Speaker 3 do I feel appreciated, right? Now, I believe in a strong hierarchical structure from the standpoint of, so people know what the heck they need to get done.

Speaker 3 And if something breaks, who do I go to to talk to? I think the flat culture idea is good in theory. I think that it struggles in execution.

Speaker 3 That being said, that doesn't mean every system, every process, and every conversation needs to have a strict hierarchical structure.

Speaker 3 It just means from a reporting and accountability standpoint, you need to have that. And I think that's where a lot of people miss.
So

Speaker 3 by having from an accountability and reporting structure,

Speaker 3 a hierarchical, and by hierarchical, I hope everyone realizes like there's a boss and then there's a sub-boss and then there's a sub-boss and then there's

Speaker 3 an army setup or whatever. But I think from an idea.
Stormtroopers. Say it again now? Stormtroopers.

Speaker 3 Yeah, no. Well,

Speaker 3 I'd like to think that they're more like, what was that, Rogue One movie with those clandestine people and different camo gear like blowing shit up.

Speaker 8 Or C-3PO. Yeah.

Speaker 8 I'm sorry, I'm throwing you off on purpose.

Speaker 3 But I think my point is, I think that's very important from an accountability report and get stuff done standpoint.

Speaker 3 But then as a leader, you have to you can't keep that from an idea, from a culture, from a communication, from an appreciation standpoint.

Speaker 3 You can't be like, well, they're two levels below me, so I could give two shits about what they do.

Speaker 3 Or I don't need to talk to her because she's just an entry-level CSR and I'm the agency owner and she should just be glad she's getting a paycheck. I had an agency owner tell me one time, I

Speaker 3 threw this concept out about three years ago of like mixing flat culture with hierarchical accountability. Someone was like, My employees should just be happy to get a paycheck.

Speaker 3 Now, I think he was being funny. He was trying to be funny, but there was enough seriousness in there that I was like, I was like, what agency are you?

Speaker 3 Because I'm going to drop a pin in your backyard for my recruiting page.

Speaker 3 I mean, that was the thought process. Like,

Speaker 3 she's getting a paycheck. She should be happy that she's getting a paycheck.
And therefore, just do everything that I say the way I say to do it.

Speaker 8 That's going to create a person that clocks out at five o'clock every single day.

Speaker 3 And I,

Speaker 3 if you are operating that way, understand that every one of those employees would leave tomorrow for a better situation. They just would.
No one likes that structure.

Speaker 3 And I think that while that was acceptable in like the 80s and 90s, in 2022, that is not acceptable anymore from an employee standpoint, right?

Speaker 3 They're just not, they're not going to be happy in that environment. It just, it's, and I see it.
I see it. And we put out a,

Speaker 3 we're recruiting heavy for Rogue

Speaker 3 because we're not broke anymore. And

Speaker 3 we put a job posting for a select producer position. Now, we were in National Alabama.

Speaker 8 None in Alabama.

Speaker 3 I need someone with a Southern accent.

Speaker 9 What's up, guys? Sorry to take you away from the episode, but as you know, we do not run ads on this show. And in exchange for that, I need your help.

Speaker 9 If you're loving this episode, if you enjoy this podcast, whether you're watching on YouTube or you're listening on your favorite podcast platform i would love for you to subscribe share comment if you're on youtube leave a rating review if you're on spotify or apple iTunes etc this helps the show grow it helps me bring more guests in we have a tremendous lineup of people coming in men and women who've done incredible things sharing their stories around peak performance leadership growth sales the things that are going to help you grow as a person and grow your business, but they all check out comments, ratings, reviews.

Speaker 9 They check out all this information before they come on. So, as I reach out to more and more people and want to bring them in and share their stories with you, I need your help.

Speaker 9 Share the show, subscribe if you're not subscribed.

Speaker 9 And I'd love for you to leave a comment about the show because I read all the comments, or if you're on Apple or Spotify, leave a rating review of this show.

Speaker 9 I love you for listening to this show, and I hope you enjoy it listening as much as I do creating the show for you. All right, I'm out of here.
Peace. Let's get back to the episode.

Speaker 3 So

Speaker 3 we got day one, hour four,

Speaker 3 37 applications, right? We have like a hundred plus applications now for people because the post wasn't, you're going to make 40, 30, and you're going to, you know, here's what we do.

Speaker 3 And you're going to, it was like, come make shit happen. Like, sell stuff.
Be awesome. Like, I don't care what you wear.
I don't care if you're a big old bushy Santa beard.

Speaker 3 Like, it doesn't matter matter to me. Like, if you're going to help our clients work our process and be cool and the Slack channels, you can be part of this team.

Speaker 3 And what we've kind of developed is like a misfit culture.

Speaker 8 And I don't know. Like the replacements.
What? The replacements. The movie.

Speaker 8 So I actually thought about getting

Speaker 8 because I was thinking about this the other day about us. I thought about getting the replacements movie poster in the Pinem office, but I didn't know if everybody with

Speaker 8 me would like it, you know. So

Speaker 3 also, he has a pretty strong arm. I think he he actually threw those passes, really.
I mean, it looked like him.

Speaker 3 Did Keanu throw those passes? Yes or no?

Speaker 8 Was anybody in the middle of the movie? Show of hands.

Speaker 3 The replacements, you all know this movie of TNT.

Speaker 3 So for those listening at home right now, this audience is not engaging at all.

Speaker 8 So

Speaker 8 one thing

Speaker 8 I have a buddy, his name is Cam Marston, and he is...

Speaker 8 The name of his company is Generational Insights. And he works with big corporations and basically tells them how to hire and manage different generations.

Speaker 8 And one of the things he talks about is how pre-millennial Gen X and baby boomers, the attitude generally was, hey, we're working for this company to build this company.

Speaker 8 And then when you get into the millennial and Gen Z's, it's we're working for us to build us.

Speaker 8 Combined with the average employee now stays at a job, I think, four years and eight months. The average millennial stays at a job three years, six months.

Speaker 8 The average Gen Z is like two years, eight months. I think if you approach managing people with those few things in mind, it kind of changes the way that you manage, you know what I mean?

Speaker 8 It's like a different, if I understand that Sally's probably only going to be here for five years, it changes the way I manage her. You know what I mean?

Speaker 8 If I understand that she's working to build up her career.

Speaker 8 So kind of what we tell all of our new people and our current people is like, hey, my goal is not to keep you here for 30 years if you stay for 30 years that would be phenomenal but my goal is for when you leave portal to say this is the best jumping off point I've ever had I want you to use our connections our business to build yourself up and then go do something great

Speaker 3 and I really mean that yeah yeah I think that I think that's tremendous because I heard it again, I've listened to too many podcasts, but I was listening to CEO of a company.

Speaker 3 He kind of said something similar.

Speaker 3 He's like, when he looks at his success metrics, metrics it's not necessarily I mean obviously he's trying to make money and runs business so kind of yeah but when he like goes like a step beyond that what are his success metrics how many successful companies have been started by employees who learned about starting successful companies inside his agent so he's like it's like this alumni network and he's like because we don't set expectations on them because some meant all the things you said he's like he's like now they some of them have become referral partners for us some of them have become you know vendors for us and he's like, we have this whole alumni network of companies that have started out of our company.

Speaker 3 And he's like, that is one of the things that I'm most proud of, which I think is amazing.

Speaker 8 And one of the coolest things that ever happened to me,

Speaker 8 things have been great at Portal. I mean, we started with no money,

Speaker 8 less than scratch, as Seth Sarimba would say.

Speaker 8 Two days after I launched the agency, my accountant called me and said, hey, you owe $5,000 to the IRS from last year, which is like 20% of the money I started with. And

Speaker 8 we built it up and like now we're profitable and cash flowing like it's amazing there's been a lot of cool things have happened but the probably the singular coolest thing was that kind of proved the model was the first employee that I fired because she was not a culture fit called me a year later to ask like for me to like consult with her on her startup she was launching and I was like okay this is like you know and that's not to pat myself on the back it's like she did it but it like it kind of proved some of the things we were doing from an employee standpoint and we had issues like everybody else.

Speaker 8 Yeah, you know, and the thing with like the culture thing, like, you have to pair that with accountability. It's not just like fruit fruit, let people run all over you.

Speaker 8 You know, like people get confused about unlimited time off,

Speaker 8 but we pair limited time off with several accountability points. Are you getting your job done? You can't be not getting your job done and take off a week to go to

Speaker 3 Burning Man or whatever.

Speaker 8 Are you leaving other team members hanging? Right? If three other people are off that day, like unless you're like throwing up sick or have COVID or your kids sick, like no, you know what I mean?

Speaker 8 And you have to let us know a week in advance. So there's accountability measures in place with that.

Speaker 3 I think that this is the hardest time to lead

Speaker 3 that's maybe ever existed in business. And the reason for that is what you said.

Speaker 3 You have to be an active, engaged leader.

Speaker 3 You can't be the best producer in the agency and be a great leader. You can't be the best marketer in the agency and a great leader.

Speaker 3 And this is something that I struggle with because all I want to do all day is generate leads and help my sales team sell.

Speaker 3 If in a perfect world, I'm left to go do that and I don't talk to anybody. I don't, I just create content and generate lead and do the things that I know that I love and I'm good at.

Speaker 3 But someone's got to run the business. So you have to be a leader, right? And you have to come back.
And it is difficult to look at someone and say, I know you want Friday off.

Speaker 3 But you haven't hit your activity targets in two weeks. So I can't give you that day off.

Speaker 3 Like, that's a hard thing thing to do or what can i do to help you hit those yeah yeah yeah yeah then you do active management and then it always comes back to i didn't hold her accountable for two weeks she didn't even realize she wasn't hitting her targets right this is the first time she's ever heard about it and then i'm looking at it and going shit well i'm gonna give you the day off but now we need to have meetings all the time um i think it is a very very difficult time to be a leader for these reasons and i think the pushback that we get or that you know I tend to get when I talk about these topics is more like

Speaker 3 people aren't just going to do what you say they're going to do because you want them to do it. And that's hard.

Speaker 8 I said on the podcast a couple weeks ago, and Scott actually brought it back up this week: it's harder now than when I started.

Speaker 8 And everybody thinks, like, scratch, and like, there definitely were some things that were hard when we were scratched that are not hard now, but there are some things that were easy when we started that are hard now, and that's what I was talking about.

Speaker 3 Yeah,

Speaker 8 we recently lost our first employee to quit, the first person that ever quit.

Speaker 3 And what exactly happened is, I

Speaker 8 you know like I said we're not perfect I did not have some difficult conversations introduced along the way like hey man don't do this again that sort of thing I did not have those difficult conversations along the way

Speaker 8 and then we had to have a really difficult conversation and he didn't know how to take it

Speaker 8 bounced

Speaker 8 versus if I would have been being a manager instead of a buddy it would have been like okay my bad you know what I mean I do I made the same exact mistake with our first producer we ever hired.

Speaker 3 I look at him and what he could have done in our today culture, today system, which is also not perfect by any stretch. But I think he could have been successful.

Speaker 3 And I just, I kept going, well, you're going to make your calls, right? Or, you know, whatever. And I just

Speaker 3 left him on an island. And eventually, it's almost a similar scenario just because I didn't want to do my job.

Speaker 8 I think one of the worst and best things that can happen to you is you hire that producer that's like a self-motivator that just writes insurance and like you don't need to manage them because then you think you can treat other people that way.

Speaker 8 You know, it happened to us. One of the first people we hired was from another agency, came over for the culture, and is just a freaking rock star.

Speaker 8 Former social worker, by the way. If anybody ever can hire a social worker, like I have to help this person with their insurance.

Speaker 3 Like, it's like obsessive.

Speaker 8 So then I started trying to treat other producers that way, and it just doesn't work for some people.

Speaker 3 And I want to pivot to talk about that. We need to go to the second question.
Yeah, yeah, yeah.

Speaker 3 I just realized the half hour on the first question. I don't even know how much time we have.

Speaker 3 But

Speaker 3 the reason I wanted to spend time on that particular topic was just I do think that there is a huge opportunity in talent in the market, and that while VAs are amazing, and I'm not knocking VAs in any way,

Speaker 3 I would take a well-outfitted, cultural-fit, hard-working, U.S.-based, licensed American over a team of VAs any day of the week.

Speaker 8 Well, and like, so when we first started using VAs,

Speaker 8 a buddy of mine who was kind of being a little bit critical of it, and I said, man, I said, they're not taking a job from my U.S. people.
They're taking all the crap my U.S. people don't want to do.

Speaker 8 And therefore, they are less stressed.

Speaker 3 Yes. I guess, let me, just to put a pin in that point,

Speaker 3 I feel like we're running to VAs because it's another shiny object. And I just caution people, VAs don't solve people problems.

Speaker 3 VAs help you take your people to a whole nother level that they couldn't do on their own by removing day-to-day nonsensical tasks that don't have value.

Speaker 8 Like our VAs do our quoting for personalized.

Speaker 3 Our VAs produce every COI. Like we tell every...
every client every commercial client, we're 95% commercial,

Speaker 3 we can turn around a COI that doesn't have any language issues in 20 minutes or less. That's a guarantee that we make, right? That's a selling point for us.

Speaker 3 It doesn't get us every deal, but it's a nice validation thing. And we do that because we have a team of VAs that pumps those out, right?

Speaker 3 So those are the kind of things that I think VAs do really well. My point is, don't you can't backfill bad culture or bad people with VAs and think that's going to fix your people problem.
It's not.

Speaker 3 Because you're going to lose them too. You're going to lose them too, because they're going to think that you're trying to replace them.

Speaker 8 If you're not a good manager to U.S. people, you're never going to talk.
You're going to basically expect a VA to work and you're never going to talk to him.

Speaker 8 It's like Wesley Anderson said, he's a friend of both of ours.

Speaker 8 It's like, could you imagine if you put an employee in a cubicle and you never talk to him again? Yeah. Like, that's kind of how, and then they end up leaving.

Speaker 8 We do like a weekly call with all of our VAs, and it's a one-on-one.

Speaker 3 And we don't talk about work. It's like, what's going on in your life? We add them to our team meeting.

Speaker 3 Our VAs are just human beings. Yeah, right.
Who live in the Philippines or live in wherever the heck they live. And we treat them like team team members like anyone else

Speaker 3 just

Speaker 3 the cost of living is a little lower where they are based on the us dollar and you don't have to pay them as much but otherwise you treat them the exact same way because they have all the same issues that any of your regular team members would have um

Speaker 3 their tax rate isn't as high uh so they're

Speaker 3 i can't help myself

Speaker 3 So, all right, I want to get into something tactical for everyone and use this last period. John, how much time we got?

Speaker 7 10. You got 10.

Speaker 3 We had 10 minutes? Okay, so let's use the last 10 minutes to be a little more tactical.

Speaker 8 We're going to do 20. Yeah.

Speaker 3 You guys have been so amazingly engaged in this presentation so far that I can just, the energy is flowing through me, and I'm just, it's awesome.

Speaker 3 You know, so if you have particular topics, please yell at me.

Speaker 3 It won't. But I want to get into some tactical stuff, some fun stuff, right?

Speaker 11 We're all here.

Speaker 12 Marketing and sales is sexy.

Speaker 3 Cultural culture is fun, but kind of annoying when you've done it for 35 minutes. So I'm sure everyone's going to give us like a 3.5 on the star rating for this one.

Speaker 3 So let's get into the fun stuff. Sales and marketing.

Speaker 8 Make sure if you do that, you do it on Ryan's show.my.

Speaker 3 Yeah, that's just fine.

Speaker 3 You get one thing to do right now, sales and marketing. One thing, right?

Speaker 3 Like you just, here's my, if I get to get one tactic, one tool, one strategy, one sales or marketing thing that's growing your business right now, what's that thing?

Speaker 8 I'm heavily, heavily, heavily focused on cross-selling right now. We have a massive opportunity in our agency.

Speaker 8 If I could do, and we probably, we actually suck at cross-selling, to be completely honest with you.

Speaker 3 Everybody sucks at cross-selling.

Speaker 8 We really suck at it. Because when you're a startup, you're like, we'll write whatever.
You don't want to move the auto, that's fine.

Speaker 8 You want to leave your workers comp where that's fine.

Speaker 8 We could legitimately triple our book of business if we got really good at cross-selling. So, if I could have one thing right now, it would be that.

Speaker 3 So, you are just having someone mine your database for signal policy. Are you tracking when the business comes in, like, okay, we're writing the comp

Speaker 3 and we're notating that they have GL and auto, but we're not writing that today, we're just writing the comp, so you know to go back.

Speaker 8 We don't do that now, but yeah, back in the day, yeah, yeah, yeah, and we have automations set up that reach out to them, that sort of thing. Yeah, certain dates.

Speaker 3 So, that would be so automations would be 30 days after signing that comp, they get an email that says, hey, Johnny, you know, I know we wrote your comp, we're so happy to have you.

Speaker 3 We would, this is now probably a great time, now that we're past your need, to bring over the other stuff, can we reach out or are you just cold calling out or calling out?

Speaker 8 Some of everything. Some of everything.
Email, text, phone call. I've got two new producers in my agency.

Speaker 8 We're having them reach out.

Speaker 8 And that's kind of their little, while they build up their referral base, they're working our cross sales, and then they're splitting that commission with the producer that originally wrote the account.

Speaker 8 That way, nobody gets busy about it.

Speaker 8 And it's been pretty good for us

Speaker 3 to get hyper-tactical.

Speaker 3 We've been doing something similar,

Speaker 3 and we've been using like Vidyard videos to do it. So, is everyone familiar with Loom or Vidyard or like video?

Speaker 3 You can put an email in a in a video in an email.

Speaker 8 You're familiar with that?

Speaker 3 Thank you, Kat.

Speaker 3 So basically what we do is we take, when we see we have a need and we do a lot of comp as a lead in our one of our comp is 57% of our book right now.

Speaker 3 So we lead with comp and then do the almost the exact same thing and circle back around. We have a team member who's dedicated to that and that's her job.

Speaker 3 She does that thing. Okay.
So we've been using,

Speaker 3 when we send an email through Vidyard,

Speaker 3 basically what we do is break down video. So we do like, she'll be waving, you know, and she's got a smile on her face.

Speaker 3 So when the person opens the video, literally, they're getting like this image, this kind of moving image in their email of this person waving, and they click on it 80 plus percent of the time.

Speaker 3 It doesn't mean they watch the whole thing, but we can see how much they watch.

Speaker 3 And what's interesting, and this is, I have low numbers, so this is less than 100 emails for this, but just to give you an idea, if someone watches more than 50% of the video, they most likely bring all their other stuff over.

Speaker 3 So

Speaker 3 the video is basically, hey, you know, this is so-and-so from Rogue Risk. We're so happy to have you as a customer.
You wrote your comp.

Speaker 3 It looks like that process went well. Obviously, she's going to check the notes and make sure the process didn't go well.

Speaker 3 And this person doesn't actually hate us, even though they're doing business with us, which we all have as clients, right?

Speaker 3 So then, you know,

Speaker 3 we do a full spectrum. That way you only have to make one call, but we have this whole script that she reads and sends it out.
And we've seen that if someone opens the email and watches more than 50%,

Speaker 3 they're bringing the whole thing over like this.

Speaker 3 We don't even have to have a phone call half the time. And this is where I think things like automation and process really start to save time.

Speaker 3 Normally, we'd have to have a call and give you your policy numbers and talk through it. And well, what it's going to be different about.
We don't have to do any of that.

Speaker 3 Because we just, in about in less than two minutes, we try to keep those videos less than two minutes.

Speaker 3 We've explained the whole situation. And Sid just said we got 10 more minutes.
So

Speaker 3 we now don't have to have that second call. And that person is often just emailing back.
Because in the video, we're saying, here's all you need to do. Just send us copies of your current policies.

Speaker 3 We'll send you back what you need to sign. You know, most of the time we do a BOR first and then we look to rewrite on renewal is kind of how we do it.
And

Speaker 3 there's no extra call.

Speaker 3 And that time, one, now she doesn't have to be on the phone, which no one loves being on the phone.

Speaker 3 Two, she's getting two, three of these sometimes a day, not a foot a day, but you know, and she can just do her job and work through them and get them back to people.

Speaker 3 And that, she's happier, the client's happy. They don't have to pick up the phone, they're on the job or whatever they're doing.
I mean, we assume our clients want to talk to us on the phone.

Speaker 3 I think that's a pretty heavy assumption. And

Speaker 3 it just, that's one little feature, one little tool that I think pays enormous dividends because it makes it so personal, even though it's a digital world.

Speaker 8 One thing that I'm a huge proponent of: does anybody here onboard their clients?

Speaker 8 Onboard clients. Onboard clients.
So we onboard every single client through agency Zoom the exact same way. Every single client goes through the exact same onboarding process.

Speaker 8 It's done through automated emails and texts. And

Speaker 8 in my opinion, at the end result of that, because we kind of know who our target client is, right? We're not writing everybody under the sun anymore.

Speaker 8 And so we're getting the same type of folks we're onboarding every single one of them the exact same way the texts and emails are written they're very personal if unless you're super like keen on automation and things like that you have no idea that it's automated we actually have the producer help write the text so i want you to write this as if you were writing it to like a friend we include the lols and those sort of things it's super personal

Speaker 8 and when you onboard people the same way not only can you get them to do things along the way, like Google Reviews and download our app, and

Speaker 8 hey, what about your auto and that sort of thing, but you get similar results. You know what I'm saying?

Speaker 8 When you onboard people the same way, you kind of get people to collectively, like, you can point out, pick out problems, like we know this person's going to have this because they deviated from what most people say.

Speaker 8 You know what I mean? I never thought about it. And it's built out.
We're 365 days out. Now, we're not sending them a text every day.

Speaker 8 And I think, like Mike Strom says, like, 500 days out or something like that. but it allows us to get consistent like feedback from our clients.

Speaker 3 You see, if people don't work the process as you have it laid out, if they don't go through it, click on the things or respond to it.

Speaker 8 We know immediately this, because like you have to be pretty tech-savvy to do business with us, yeah. Like, we, our door is locked.
If somebody comes to our office, we think we're getting robbed.

Speaker 8 Yeah, like, it's, you know, and so, like, that's the, that's the main thing we can point out. It's like two days in, and they're like, I'm like, oh, this isn't going to work out.
Yeah.

Speaker 8 And we'll literally say to people, hey, look, I'm going to be honest with you, like, I don't know that we're a great fit. Here's another agency that's old and boring.

Speaker 3 You probably need to go to that. So, like, if they won't download Glove Box or something,

Speaker 3 yeah, the different things they can use. Yeah.

Speaker 3 That's really interesting because now you can almost post-select them out and start to say, hey, you know, you should probably go to the state farm agent down the street because they would love to lose money.

Speaker 8 I happen to be married to her.

Speaker 8 So, what happens, my wife is a state farm agent. So, what happens?

Speaker 3 What we're doing

Speaker 8 with that onboarding, and it's majority text,

Speaker 8 we're subliminally telling people, if you need something, you can text me.

Speaker 8 And other agents will come into my office, and this is not me bragging, this is true. Other agents will come into my office, and they'll be like, why aren't your phones ringing?

Speaker 8 Because it's all right there.

Speaker 3 And we'll do a text.

Speaker 8 We have a VA that

Speaker 8 she owns that inbox. She watches the texts that come in and she pings people, hey, you handle this, hey, you handle this, hey, you handle this.

Speaker 8 And it's reduced our call volume. Like, we get, on average, 25 in-mail calls a day,

Speaker 8 which is extremely low, I think, for the size agency we have. And the majority of those are people calling people back from sales situations.

Speaker 3 You know what I mean?

Speaker 8 Like, it's not customers calling in, they're texting us, they're going on the app, that sort of thing.

Speaker 8 We've significantly, by doing that, made ourselves way more nimble than if I have to pay Sally $20 an hour to sit there and answer the phone.

Speaker 3 So we have two minutes left here.

Speaker 3 I just want to. Karaoke.

Speaker 3 I thought about it.

Speaker 3 I think the most important takeaway from what you just said is

Speaker 3 I think some people would hear that and go, Bradley, but you're not talking to them. Where's the relationship? Where's the connection?

Speaker 3 And what I hear you saying is based on the customers that you're targeting and the process that you're putting them through,

Speaker 3 they feel that they have the same connection to you as someone who comes in and sits down and sweats in the same room.

Speaker 6 Like,

Speaker 3 that connection for them, via text or email or whoever, is exactly the same.

Speaker 3 The connection is exactly the same as if you were sharing time for those customers that you're targeting that you want in your agency. Yeah.

Speaker 8 Everybody texts.

Speaker 8 We're not in a world where the majority of people don't text anymore. I have a photo of my 65-year-old mother-in-law downloading TikTok.
I was like, I've got to take a picture of this.

Speaker 8 People are using older people. We had an

Speaker 8 85-year-old guy who called us a couple weeks ago because his glove box, he was having issues. He's like, oh, I love it.
I use it. You know what I mean?

Speaker 8 Like, I mean, yeah, you're going to find people that don't want to do that, but that's how the majority of people nowadays want to communicate.

Speaker 8 How many people get pissed off when they get a phone call?

Speaker 8 I see a bunch of liars. The people that are leaving their hands down because everybody's annoyed when they get a phone call.

Speaker 3 Right?

Speaker 8 So I can just tech, like, we have a significant amount of customers that will leave us and come back and we always ask why'd you come back and it's almost always I can just text you guys and you'll take care of it the other thing that happens is and I'm sorry I'll shut up

Speaker 8 the other thing that happens when somebody calls you and says hey I want to get an ID card or whatever they expect you to stay on the phone until you send them that ID card But if they text it, it's almost like a different, like, it's just like, hey, he'll just handle it.

Speaker 8 You know what I mean? It's like, I have this on record. It's here.
It's on the blockchain. I'm kidding.
It's here. Right.

Speaker 3 They'll get to it.

Speaker 8 You know what I mean? So it also allows us to prioritize tasks because if 10 techs come in with 10 different things we need to do, we can kind of prioritize those in order of importance.

Speaker 3 Dude, I

Speaker 3 selfishly, I wanted to interview you because I always learn every time I talk to you. The stuff that you do is, I think, amazing.

Speaker 3 I think you're one of the people that think about this industry in the exact right way for where we're going.

Speaker 3 It doesn't mean everyone's going to do stuff the same way, but I love how you push the boundaries. I always learn when I talk to you and I just appreciate the time, man.
This has been awesome.

Speaker 8 Likewise, this was fun.

Speaker 3 Yeah. Thank you guys.

Speaker 8 Go, Phillips.

Speaker 3 Oh, I want to say one more thing.

Speaker 12 So I hadn't seen Sid speak in like probably three years.

Speaker 3 Your dramatic pause game has drastically improved.

Speaker 5 There were some serious dramatic pauses.

Speaker 7 Wonder who she liked.

Speaker 7 What he doesn't know is I forgot what I was going to say during those moments.

Speaker 12 Close twice as many deals by this time next week. Sound impossible?

Speaker 6 It's not.

Speaker 12 With the one call close system, you'll stop chasing leads and start closing closing deals in one call. This is the exact method we use to close 1,200 clients in under three years during the pandemic.

Speaker 3 No fluff, no end nails follow-ups, just results fast.

Speaker 12 Based in behavioral psychology and battle-tested, the one-call close system eliminates excuses and gets the prospect saying yes more than you ever thought possible.

Speaker 9 If you're ready to stop losing opportunities and start winning, visit mastertheclose.com.

Speaker 6 That's masteroftheclose.com. Do it today.

Speaker 13 Everybody knows Shaq, but off camera, he's just a regular guy.

Speaker 11 People never believe me when I say I'm just like them. I take out the trash, do dishes, and I struggle with moderate obstructive sleep apnea or OSA.

Speaker 11 And a lot of adults with obesity also struggle with moderate to severe OSA. You know those scary breathing interruptions during sleep? The loud snoring, choking, and daytime fatigue?

Speaker 11 I knew I had to talk to my doctor. Don't sleep on the symptoms.
Learn more at don't sleep on OSA.com.

Speaker 13 This information is provided by Lilly, a medicine company.

Speaker 14 Ten years from today, Lisa Schneider will trade in her office job to become the leader of a pack of dogs. As the owner of her own dog rescue, that is.

Speaker 14 A second act made possible by the reskilling courses Lisa's taking now with AARP to help make sure her income lives as long as she does and she can finally run with the big dogs and the small dogs who just think they're big dogs.

Speaker 14 That's why the younger you are, the more you need AARP. Learn more at aarp.org/slash AARP.org/slash skills.

Speaker 15 When your company works with PNC's corporate banking, you'll gain a smart and steady foundation to help you carry out all your bold ideas.

Speaker 15 But while your business might not be shaky, you might still experience shakiness in other ways. You might be outbid on the perfect summer house.

Speaker 15 Your kid might not attend your alma mater, or your yacht might be jostled by stormy waters. No amount of responsible banking can prevent these things.

Speaker 15 Except maybe the yacht, because we tell you boats are generally a bad investment. PNC Bank, brilliantly boring since since 1865.
The PNC Financial Services Group Inc. all rights reserved.

Speaker 10 Extra-value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just $8.

Speaker 3 Only at McDonald's. For limited time only, prices and participation may vary.

Speaker 8 Prices may be higher in Hawaii, Alaska, and California and for delivery.

Speaker 16 At Capella University, learning online doesn't mean learning alone.

Speaker 17 You'll get support from people who care about your success, like your enrollment specialist, who gets to know you and the goals you'd like to achieve.

Speaker 17 You'll also get a designated academic coach who's with you throughout your entire program. Plus, career coaches are available to help you navigate your professional goals.

Speaker 17 A different future is closer than you think with Capella University.

Speaker 16 Learn more at capella.edu.