Mike maybe can comment on this – is that this is not really a technology problem, it’s a management problem. It’s a management problem born of the knowledge worker environment that a lot of companies are working in. Where you don’t have monitoring of employees. You don’t have assembly-line where you can see what they’re doing. So, I think it’s probably part and parcel of a worksite today.
TINNIRELLO: Well, Mike before you answer, I just want to twist that question just a little bit. If the traffic that is coming in the door from customers trying to be served by a particular organization is being challenged by traffic that’s going out the door, i.e., employees on websites, shouldn’t management be kind of concerned that their bandwidth that they’re paying for it limited. I know here at the company we have lots of DS-3 lines and we often look at the bandwidth challenge between what’s going out/what’s coming in. So, what’s your perspective on the study that you and Charles did and how do you think companies should manage the bandwidth in their own organizations between this whole social environment that is beneficial to the organization from a customer, but maybe not so beneficial from the employees’ side. Any thoughts?
WISE: Yes. As Charles alluded to this is not a Web problem. It’s really a management problem because employee productivity problems have been with us from time immemorial. So if they’re doing some things through the web, on their computer or over their cell phone or over their office line. It’s been a problem forever and it always will be a problem. From a bandwidth standpoint, you just got to make sure you have as much bandwidth as you can have. If you’re trying online as well as a company. You’ve got to make sure that you employees know that when they’re on You-Tube or any kind of site like that and they’re sucking down bandwidth it’s affecting everybody in the organization. I know my company has done a really good job on getting the word out on that and so as employees we’re not accessing those site unless we really have to be and if we do, we get a little ‘ping’ at our desk saying I see you’re accessing a huge bandwidth issue here, what are you doing? So, there’s a little bit of big brother on that, but that’s a good idea.
TINNIRELLO: Well my second question is about the whole concept of social networking in general so I’ll ask both of you this question. The insurance industry has been long thought of a stodgy, stuffy, white shirt kind of environment and Mike, what you showed us about e-insurance certainly turns that whole theory upside down completely. So, do I hear both of you telling me that the message is in order to really capture the flow of this new type of interaction that insurers need to step it up a little bit to try to be more avant garde, be a little bit part more of the social networking environment if they really want reach a different type of audience and generate a lot more business online? Again, Charles, I’ll start with you.
WASILEWSKI: Sure. Well Esurance is a good example but also part of Esurance's success if I understand it is they have a fairly large advertising budget where they’re doing television, I don’t know if they’re doing print, so their bulldozer is a very, very large media advertising buys and behind it is I think is some of the social media action that they’ve been able to generate. So, I think it’s too early to tell – to say definitively you’ve got to do this or you’ve got to do that. I do think companies do lose opportunity if they’re not aware of what’s going on in social media. But that’s not to say they have to do one thing versus doing another thing. Traditional media buys whether online or TV, still rule the roost a lot, especially on personal lines. Between Geico, Nationwide, Liberty Mutual, some of these really big media buys really have an impact on the consumer, but in behind them are coming the social media applications, like the responsibility project blog from Liberty Mutual and Esurance well with some of the user-generated advertising that they’re sponsoring.
TINNIRELLO: Mike, what’s your thought on that? Are some of the carriers going to have to change the way they represent themselves given this new opportunity on the Web?
WISE: I really think so, Paul. I think that if you look at the demographics of the biggest target audiences, especially direct to consumer. The people from late 40’s down to teenagers, they’re using the Web constantly. I’m waiting for the new study that comes out that shows that the Web is being used at a higher rate than TV. But, they’re using the Web on their cell phones and their iPhones, or their PDA’s they’re accessing their FaceBook pages. You know, as I said in the beginning, marketing is being at the right place at the right time with the right message and if you have people using the Web these old line insurance companies need to look at what Esurance has done in a short amount of time against Progressive and Geico, some players that have been around for a long time. No, they haven’t beaten them and who knows if they will or really want to, but look at what they’ve done with their online play and what can you do as an insurance company to be creative and to get young people on your staff that understand social Web. Because again, referrals and that whole viral communication and branding are definitely a huge opportunity for insurance companies. I think the ones that do it right and go after it aggressively are the ones that are really going to win in that space and it’s going to be a big deal.
MCDONALD: There was one quick question Jackie Layton asked and it’s a good question for this. Everybody appreciates the social media and it gives