We use PCA's because we have tried the hiring approach, it just does not work for us. Attitudes are different when you are working for yourself versus working for a pay check with low incentives or under constant threat of being laid off.
We have found the Independent Agent approach as used by many successful companies was and is the only way for us. They are a different breed! They are a caring lot, with pride in their work, who somehow have instilled in them the yearning to please and the will to not only succeed, but to carve out for themselves a predictable future!....at their own pace, in their own style,...in their own time frame!!!
We love that attitude. It "kind'a" separates the "men from the boys".