Last March when unveiling the iPad 2, Steve Jobs said, "Technology alone is not enough. That it's technology married with liberal arts, married with the humanities, that yields us the result that makes our hearts sing."

He was talking about hardware, but it's true of software as well.

Email and the ability to post information to a company site was a boon to all our basic communication needs 15 years ago. But to continue using it today as the cornerstone of the insurance placement process, which at its core involves negotiation and collaboration with insurance experts, is a mismatch.

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