You do not borrow money to invest and and become successful. Bad decision. You also do not keep purchasing other insurance carriers to think that will cause you financial success. How about creating success the old fashion way that truly works. First is the golden rule to treat others the way you want to be treated. Second is a business model that conducts business ethically and fairly with hard work and narrow morals. The Allstate model to purchase success is a failure given the way they have spent their money and how they have treated their workforce.
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110% spot on with your analysis. The "Emperor" has no clothes and transparency is hidden behind the almighty dollar. No aesthetic value in the core competency - rather it is "do unto others and then cut out." Sadly, being in good hands stops at the doormat.