The greatest trend we're seeing at St. Paul Travelers is around the pace and energy of the organization. After successfully completing the merger of two large companies, there's a terrific demand for new tools and capabilities coming from our business partners that's unlike anything I've experienced in a P&C company.
Rather than asking for incremental improvements to our technology platform, we're seeing strong business cases to build systems that can aid in the innovative design and distribution of our products as well as how we interact with our agents and policyholders. There's excitement in both IT and our lines of business because we've demonstrated -- via several successes over the past couple of years -- that it's now possible for our systems to actually enable speed and flexibility (as opposed to a legacy environment that becomes a deterrent).
The technologies available to externalize rules and configure products allow us to support speed and flexibility without completely rewriting our legacy systems. As a result, the demands on our IT organization have never been greater.