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2nd, utilities and services are increasingly provided across the industry. Presented the many benefits of scaling explained over and also a slow but ongoing craze towards additional standardization out there, insurers and a growing number of services providers are providing services throughout operations, IT, and aid features, particularly. And final, a new breed of remarkably integrated players, usually incredibly specialised and with agile and streamlined functioning types, is entering the marketplace—and people players are getting scale (Exhibit 1).
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