1.   A large part of the compensation package for our sales people is driven by a sliding commission scale.

2.   In the real world of business, Marketing and sales people do not treat customers as resistors.

3.   It means getting out on the road with the sales people before they complain about call schedules.

4.   New concepts-Underwriting critical illness and permanent health insurance being sold in volumes by experienced sales people.

5.   Telephone sales people use this tactic.

6.   The regional sales people obviously have their reasons for doing what they did.

7.   Underwriting critical illness and permanent health insurance being sold in volumes by experienced sales people.

8.   However, erm you know you came back about the retail aspect of course and most of our traditional sales people have never had telephone experience in that sense.

9.   We have people sales people that are always discounting but er well when I say we the world has.