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“I think all the carriers recognize there are different levels of where agents are at. Some are fairly advanced so they have direct XML connections for us. Some are just starting to move in that direction. There are diverse ways that technology can connect into different carriers. It’s not really homogenous.

Some carriers have made investments in their XML platforms. That connectivity is faster and has more value and advantages in the information, or metadata, you are getting around the transaction versus other carriers that are connected, but have taken a fast way of doing it through either a reverse proxy or a screen-scrape approach. There are different levels.

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