A lack of or insufficient fact-based decision-making can be very expensive.

The typical U.S. driver will pay less for auto insurance in 2007 than in 2006, with the average premium expenditure expected to drop by 0.5 percent.

Analyzing and evaluating the ever-changing face of claim technology is a task that never gets checked off the "to-do" list.

To paraphrase Clairee, as played by Olympia Dukakis in the movie Steel Magnolias, "It's love -- and our ability to accessorize -- that separates us from the animals."