“However, consumers took a slightly more pessimistic view on the likely direction of mortgage rates, reflecting the fact that actual mortgage rates have moved upward since the start of the year.

If Trump getting elected results in consumers spending less money then, yes, rates will go down. 

I will say that there are MANY great Goosehead agents out there but the overall setup is not good for the consumer and it's hard finding who's serious vs. who simply had cash for the franchise fee.Just my 2 cents and opinion.  

What I noticed was the ones who invested just post GR were completely behind the mark, the one's who've been in it for longer were great at anticipation.I've asked all for updated pro formas and seeing how they evaluate the headwinds this time off updated rates, insurances, taxes, etc., If it's a reasonable, the capital call in my opinion is less of an issue than folding like a lawn chair. 

When consumers are sick and tired of being sick and tired of shrinkflation and quit buying certain products then the prices will drop or sizes will come back.

At that rent point, maintenance, cap expense, and tenant turn over will consume a lot of the rent resulting in low cash flow per unit.  

The rate of interest on policy loans for large and reputable mutual companies is always going to be competitive relative to commercial or consumer lending.

For an uneducated consumer or depending how strong their sales team is this is a very raw deal.

For consumer debt I agree.

1. pass legislation limiting what the "free market" demands2. suffer the consequences of the elimination of the "supply" demanded by consumers in the free market3. suffer the consequences of the "law of unintended consequences"4. blame "capitalism" for failure to provide what was eliminated by previous regulatory action5. pass more legislation to counter balance effects of previous legislation