A few weeks ago I had the opportunity to attend a real-live rodeo in Wyoming, an experience I totally enjoyed. Part of the learning for me was seeing so many riders—especially bull riders—try and fail at the very difficult task of staying atop a wildly bucking animal for a minimum of eight seconds. When the rider couldn’t last the full eight ticks, the response from the genial rodeo announcer was always the same: “Tough luck.”

Fast forward to today, where I am preparing a speech on the advantages and disadvantages of outsourcing. My approach to the problem has been rather systematic—positives on one side of my decision tree and negatives on the other. I had a lot to say about the financial and time costs involved in outsourcing, especially as it relates to IT in insurance. But then I began to consider the human costs.

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