Agents are pressured to quote business quickly and accurately. They welcome easy-to-learn-and-use tools that help make their job easier and faster by reducing or eliminating manual tasks and data entry, and providing real-time feedback and quoting when possible. Likewise, commercial lines carriers want their agents to submit high-quality complete applications that fit their risk appetite. In order to win business, they must quickly deliver quotes to agents, particularly for accounts that qualify for automated underwriting. Carriers that provide agents with collaborative tools that improve productivity and quality, and enable new business and renewals, become "the carrier of choice."