Inconsistent information Inconsistent information Redundant extracts Redundant extracts High maintenance cost High maintenance cost Too personal, each step owned by a person Too personal, each step owned by a person Operational Operational Systems Systems Operational Operational Data Data Spider Web Spider Web Extracts Extracts Hand Hand- -coded coded Logic Logic “Point” DSS “Point” DSS Solutions Solutions Vantage CAPSIL CAMRA Extract1: APL Extract2: COBOL Extract3: APL ALM Mortality Lapse TAS Access APL Valuation Axis TAS APL