I believe on referral business will stay long. Slow and steady wins the race. Achieving the targets for the month and later on struggling to retain those numbers - is not a good sign. Rather take your time build your business you will reach the numbers with good life time customers. This is very important for any organisation to stand long. Regards, S.R. Prabhu B.Sc.(Agri) TNAU , AML & KYC specialist -IIBF