This industry is tailor-made for reinvention by the Internet.

It's a great referral service, but it doesn't deliver on direct selling over the Internet. We are the only site offering end-to-end health insurance shopping.

The market is three times bigger than selling books on the Internet. We see it as the largest untapped market still out there.

Before it was mostly about our individuals and how well we knew our customers. There were some Internet searches on industries, but it wasn't one-stop shopping. It was every man for himself. And what we did have was mostly credit-related, as opposed to a variety of different areas in an industry that goes beyond financial issues.

Those are some bad socks. Is that who's sponsoring you this year?

I kinda got touched a little bit. It wasn't serious. Play like that at the end of the game, you can't put that on the refs. We got a bad bounce.