Shoot Us A Message! Struggling to stay profitable when carriers change the rules on you overnight? Dan Kitajima shares the brutal moment his captive agency lost $6 million of book in six months, right as he had just signed a $20,000-a-month office lease - and how that shock forced him to rethink everything. We pushed Dan into the numbers behind the move from captive to independent, from broker fees and comp plans to closing ratios, retention, and why hyper-specializing can beat trying...