As someone who has worked with the US insurance industry, you cannot imagine the amount of crap they have to put up with from Congress. Last minute changes to

As someone who has worked with the US insurance industry, you cannot imagine the amount of crap they have to put up with from Congress. Last minute changes to a law with a looming implementation deadline so that someone can score political points = everyone is non-compliant for some period You can't rewrite 30-year old COBOL-backed business processes overnight.