In an era where managed automobile competition was said to be a detriment to anyone coming into the business, Billy saw it is a great opportunity. While many agencies were experiencing a decline in production due to reduced auto (and homeowner’s) premiums and customers shopping, the Smoller Agency experienced unprecedented growth. The combination of having competitive carriers, Mark’s expertise and Billy’s dogged pursuit of new business, resulted in “off the charts” results, both in terms of premium written and new business.