As I reflect upon the prospects of the Health Insurance industry, it’s easy to see various headwinds ahead, such as an increase in regulatory requirements for those in the Medicare space. Maybe it’s past or present legislative moves that may create an advantage for some and a disadvantage for others in the group space. The insurer must balance benefits and financial stewardship, customer service, claims, regulatory requirements, provider payment concerns along with an aging workforce. While all these items are necessary to work through, when your spouse or a friend shows you a picture of a young mother and her baby and you share in the joy of life of another you  realize why you’re in this industry. Maybe you’re sending off your son or daughter to college or basic training but in your heart, they will always be your child even though now they are an adult. So as the leaves turn and life around turns, sometimes we’re saying goodbye to a loved one or sharing hard times with another. All of this reminds me that in the end, while all the important matters will need to be attended to, the industry we’re in touches some of the most significant moments of an individual’s Life. I just want to encourage you that what you’re doing in helping Idahoans with their benefits and insurance needs is no small role and I hope you have success. I would like to thank you for making a difference because you chose to be an Idaho Insurance Agent, serving Idahoan’s.