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Politics : View from the Center and Left -- Ignore unavailable to you. Want to Upgrade?

To: Mary Cluney who wrote (130517)	2/8/2010 9:30:16 PM
From: TimF	Read Replies (1) \| Respond to of 541965

Spreading and managing risk could be a real service if someone can offer something better than someone else. They probably do, in at least a marginal way. After all the policies are not identical. Certainly some are better for some people, and others are better for others. Potentially, some could be slightly better for almost everyone (if it was a lot better the other companies would either change, or charge less, or be forced out of business). But I don't understand how it can't be a real service if the offerings are very similar. If 40 different people offer to shovel my car out of the 27 inches of snow we've had, for the same exact price, they are still offering me a service. Providing a useful service, is different than (although certainly not exclusive of) providing an innovative service, and its also different from providing a highly differentiated service. I'm not sure where your coming from here. Perhaps your arguing that they do a lousy job at offering this service. Well maybe they do, maybe they don't, but it seems a very different point than "they aren't providing a service unless they innovate".