The nerds discuss our newest coauthor Taryn and her moving story about finding a home in insurance that allows her to be herself and Nick's article about the importance of sales skills. Then they discuss #InsurTech. Insurance included when you a car or even another product. Carriers transitioning to risk managers as opposed to claims payers. Transition from personal liability to product liability. The 2016 Buffett Letter to the Shareholders of Berkshire Hathaway. Tony confesses the REAL reason we brought Nick into the team.