While third parties offer benefit to both agencies (in the form of increased commissions) and carriers (in the form of bundled distribution entities), they have not been successful in providing the vast majorityof agencies with the scale, skill, scope and capital that enable growth. However, carriers can help to create an industry utility that both solves some of the operational inefficiencies inherent in the independent agent market and enables long-term growth beyond near-term commission boost. A central component of such an industry utility would address the single-entity, multiple-company interface issues that limit the effectiveness of existing software products could also help address concerns about ownership of customer data.