(Editor’s Note: This article was based on Mr. Thomas’ speech in October to the North Carolina Association of Insurance Women.)

THERE was a television ad several years ago for an investment company that has since gone out of business (so much for advertising). It showed a cocktail party with a group of obviously prosperous people in attendance. Above the hubbub of conversation, someone said, “My broker is E.F. Hutton, and E.F. Hutton says….” Then there was a hush as everyone strained to hear what old E.F. had to say.

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