There is inevitably tension between cost and service, and the trick is to give clients the sense that you value the relationship without spending a fortune on staff and other tools. That's what is great about self-service tools.

Unisys is doing all the right things to turn this around. But execution is still the key. It's wait-and-see, particularly around the divestitures they've talked about.

It really boils down to giving users a choice in how they access your service. There is no one-size-fits-all with customer service. You have to meet each client on his or her own turf.

The e-signature capability is growing, but it is not growing as fast as many people thought it would.

In any given market segment there will be at least three carriers who will be roughly equivalent on price. So even though price is important, it's not the exclusive driver of the decision. Claim services and purchase convenience are other possible factors that could relate to an online presence.

Self-service is a fine option that can help reduce costs and is great for convenience. But brokers typically want to be able to pick up the phone and call someone if they need service.

The first two times we met he didn't hurt me too much. I think he's gotten stronger since the last time we met, which is obvious.