> I am willing to defer to State Farm and believe that they are very data driven Big corporations are such that the left hand and right hand seldom know what t

> I am willing to defer to State Farm and believe that they are very data driven Big corporations are such that the left hand and right hand seldom know what they are each doing. A team and I consulted there about ten years ago. In the silo we were working in was the single most risk-averse place I've ever seen. On one hand, that would appear to be a good cultural element given their business, but on the other it was so extreme that I found it to be a major turnoff - it felt so extreme as to be wasteful. Not that hard to imagine then taking an extreme position on who they will insure as the world shifts.