i'm dave washburn and joining us today is jim goodin with goodin insurance agency. welcome jim. thank you. so you're business - you have three locations. one in sergeant bluff, one in sloan, and one in sioux city so what can you tell us about goodin insurance agency. well goodin insurance agency is a family owned business. it started actually seven years ago in sergeant bluff. we've been able to grow to three locations. i think that's a testimonial to what we do. we're independent. we're family based. you're a multi-line agent. you work with business but you also work with private individuals too for their insurance needs. you split that about 50/50 between the two sides. being a multi- line independent agent what kind of advantage does that give the clients you work with? i think it's the best of both worlds for both of use. we're able to go out and shop their insurance with fifteen companies that we have. when you're a captive agent you only have one company to shop. we have fifteen different companies to work with and we worked with these companies for 20 years plus. i think