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In IT architecture—just as in building architecture—there are patterns that establish the nature of a problem and how it can be solved in software. When these patterns are not followed, or do not exist, programs are created that do the same thing but in vastly different ways, which leads to difficulty when replacing or integrating systems. In the excess and surplus lines world, there are many agents, general agents and carriers who transact business electronically in very different ways because we’ve relied on programs. Sometimes these changes cause problems and we need patterns, not (more) programs, to fix them.

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