> Agility is probably a better proxy -- given a new business need / requirement (e.g. ACA in US health insurance), how quickly can a company execute on it? Yes

> Agility is probably a better proxy -- given a new business need / requirement (e.g. ACA in US health insurance), how quickly can a company execute on it? Yes, probably, but I think performance is pretty good sign too. Old legacy systems are often complex so new functionality is always bolted on-top, and not baked-in. Making architectural changes like that is risky. And, third-party integrations are going to be preferred. So over time the application becomes incredibly slow. There's layers and layers of cruft and then calls to third parties around every corner.