Kia, this thread has been a great discussion, but considering you are signed on with Quincy and feeding them business I'd say they are moot points. Sounds like you and your underwriter are off to a good start, building trust and a relationship; and that's the biggest factor for having a hot market, at least in my experience. It's not an absolute, but if you've ever had the joy of an u/w willing to stretch their authority or the agony of an u/w who tries NOT to write business you know what I mean. Best of luck with them!
