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Outsourcing tasks to specialists continues to attract serious interest from intermediaries. Competitive markets for brokers in recent years, combined with the promise of efficiencies and cost savings, have offered powerful arguments in favour of contracting out non-essentials to focus more on core activities. Moreover, the increasing capabilities of service providers has led to a reassessment of the more sensitive areas of brokers' businesses.

Nowhere is the debate more acute than over the

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