service is something i'm willing to pay for at this point in my life. i'm just thinking of this because you mentioned insurance, but i go through a private agency that runs the insurance for my business and home. they only thing they don't cover is my disability. the owner is fantastic. he know me well, my family history, my business, etc. if we ever have a problem, we just call over, give them a quick description of the issue, and they completely take care of it. i've even been in his office when he calls other insurances to get claims moved through faster. it's worth every cent.