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Imagine that you are responsible for running a claim department in a successful insurance company. One morning, coffee in hand, the head of your line of business walks into your office with a problem for your consideration: Your team represents 75 percent of the business expenses, and the CEO needs to show a larger profit this year. As a result, your team can expect twice as many new customers and the responsibility of lowering the combined ratio while keeping auditors at bay. In desperation, you turn to technology.

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