David, for this question, I think, we calculate the value of a hard money. The reason because
.- TPA assess claim according to knowledge & skills that ACE Life Claims team taught them that if TPA found that cost does the contract protection. Can only cut off, but not recorded in any way!- ACE Life 's Claims team can check that knowledge & skills of TPA still have the consistency or not, from sampling. Audit which we do about 20% of work TPA makes us and found that there is an error in the very low. However ACE Life &.Finally the problems to solve together in meeting monthly, and Training that ACE Life makes TPA 2 times per year or more. If there is a new products
.However, if the comparison - money. I think we should compare between employment and TPA, made of a team of Claims department itself, which is better than the competitors.
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