It's the best of times, it's the worst of times. It's a time of tremendous change, driven by the need for efficiency. It's a time bursting with theories, schemes and legitimate techniques to achieve that efficiency. It's time to lose one's business, or to seize the day. For brokers, it's the time of their professional lives. Ever since Wal-Mart said it could do without brokers, there has been a cloud over them. Would other large chains, seeking efficiency, follow the Wal-Mart lead? ...

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