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When I first started in the insurance business as an underwriter–which doesn’t seem all too long ago in my mind–collaboration required assembling teams of people in a conference room, passing memos and documents through intraoffice and regular mail, and making phone calls. Networking meant glad-handing with colleagues and contacts at seminars and social functions. Real-time processing meant dealing with the paper files that were piled on my desk in front of the CRT, which I avoided using if at all possible.

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