Cluster F_________ed

Ok this is driving me nuts:goofy:

I have my P&C license in California I have no experience and no book. I researched a couple of clusters and they all seem to be a good deal if you are the cluster.
Would like to start selling HO insurance.

Wish list:
Binding authority
I get to keep my book
low startup fee
"easy" divorce clause.

Can anyone recommend a semi decent cluster in California for a newbie like me?
Source of insurance-forums.net

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