Because if it doesn't, there's a good chance you just got lucky and haven't taken full advantage of its power. That luck generally leads to an endless stream of wasted opportunities that never received proper consideration. Of course, there are a couple of easy things you can do to prevent it from happening. However, they generally involve a few tough decisions most agencies don't want to make. That's what I talk to John Stuart, of Bill Quickel's Insurance Plus, about the ones he's facing.