When it comes to the wondrous potential of social networking, there's been nothing but promises, promises, promises. But insurance companies concerned about delivering value to policyholders and maintaining their confidence can't afford to build new channels and information-sharing architectures on promises.

Some experts at University of Pennsylvania's Wharton School recently weighed in on the business potential of social networking, and came up with some conclusions that may ease some concerns about investing time and resources in “faddish” technology. 

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