Nobody ever set outs to purchase a legacy system. Carriers looking to address a business need purchase a technology that, only after years of service, begins to show its age only in relation to other, newer solutions. Considering the competitive landscape property/casualty insurers find themselves in, this question of relativity is an important one. The continuing soft market and limited investment returns are putting pressures on combined ratios and leaving carriers with two options: They can either focus on increasing top line growth or look to decrease costs through greater operational efficiency.