I have been advised by a few cluster groups like Iroquois and SIAA folks to go out and get my own direct appointments to carriers such as GMAC and Progressive as the majority of my business at Start(UP) will be non-Standard business as I am getting referrals from friends that are with the Big-Boy's ( captive agents ) for auto and wondered are there any suggestions anyone has out there for the entities that I will be starting in the states of Arizona and New York ... or ... if someone does not agree with this what cluster group I should be looking at in lieu of going direct.