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If you've been able to stay in business writing MP at 65% with $27 leads you're doing better than most. You need to explore your options. Let me know if you need any help.
I'll second that. I was under the (mistaken) impression the leads were free, you were just having a a reduced commission. You should talk to Brad about what he can do for you. Unless the $27 leads are waiting with baited breath for you to come and sign them up, that's an awful lot to pay with a 65% contract. At that level the leads should be free.