Starts simply with your ability to find your absolute best clients a lot easier. If you try and talk to everyone, you'll end up talking to no one. Of course, that's the last thing you want to happen in your agency and why it's nessacary to get more specific. It doesn't matter if it's when the policy needs to be purchased, how old the person buying it is or even where it's all happening. That's what I talk to John Stuart, of Bill Quickel's Insurance Plus Agencies, about the specific direction they're heading.