Is It Easy to Take Cost Out of a System?

Mr. Buffett: I mean it's a very good question because that's exactly the question we ask ourselves. And there's no question in my mind that over a lot of years and maybe not so many years, something like small commercial, anything that takes cost out of the system makes it easier for the customer. The world is going in that direction so you could expect us to try and go with it. If it were easy I think it would have happened more fast. Yeah, but it will happen as we go along. It took state farm initially to go to a direct or a capital agency system before USAA and then later GEICO.