Throughout this book you will often see the words we and our rather than I and my. It’s not because the ideas and concepts explained are not my own point of view; they are. But it’s a point of view I cultivated and honed with the help of many people over the years—and a few select people from the beginning. The concepts highlighted in this book were formed largely in concert with Ashok Subramanian, with whom I cofounded Liazon, one of the industry’s first private exchanges, in 2007. Also included in the use of we are the numerous conversations I’ve had with various brokers, consultants, insurers, technologists, vendors, professors and economists, and many others over the past decade, who have helped me to shape my view that employees ...

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