Pervasive well may be the best way to describe technology today. Consider, for a moment, a world without the Internet, cell phones, or e-mail. It’s hard to imagine, even though each tool has only gone mainstream in the last 10-15 years. During this time, we have been witness to an evolutionary wave of ongoing changes. The true potential and capacity of these changes are just being recognized and while its impact on the insurance industry has been profound, it is in many ways only beginning.