Forty-five percent. Did you see that? According that now somewhat infamous Aflac survey, nearly half of you brokers soon won't be reading this column. Seriously y'all, I think it's time for a little prayer meeting.

My two younger sons play football, and as we're embarking on another season I'm already preparing for the inevitable "Dad, I don't think I want to do this anymore" talk.

You know the one. If you have kids, you've delivered it. And if you were once a kid yourself, you've heard it. It's usually on an afternoon when we're tired, when the heat has lingered a little farther into September than we'd like. Maybe we had a tough day at practice, when the ball just didn't bounce our way or the coach asked us to take on the best athlete on the team and everybody was relieved he didn't pick them because they didn't want to get embarrassed like we just did.