worried about hitting a data limitation within the spreadsheets. To ensure the accuracy of the data due to our concerns, we had a full- time equivalent (FTE) dedicated to this effort. Since we’ve moved away from spreadsheets, we’ve been able to redeploy that FTE for other purposes. q What are some of the major market changes that have affected your business in the last 2-5 years, especially around enterprise risk management? as Obviously,

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