September is in the air, and as that breeze picks up and we bid our fond farewells to summer of 2018, we also say hello to new beginnings.  For everyone, it’s time to get back to business, and this includes agency owners.  I don't have any kids, however when I see those school buses pick up those eager little minds I get excited... why, you might ask?  Because that's my sign it's back-to-school season and that agency owners and  parents are kicking it into high gear as we approach the end of the year!