{"version":"1.0.0","segments":[{"speaker":"CASEY KEMPTON","startTime":0.0,"endTime":3.65,"body":"The behavior"},{"speaker":"CASEY KEMPTON","startTime":0.0,"endTime":3.65,"body":"shift at the desk level cannot"},{"speaker":"CASEY KEMPTON","startTime":3.65,"endTime":5.45,"body":"be understated."},{"speaker":"CASEY KEMPTON","startTime":5.45,"endTime":7.04,"body":"It's change management, right?"},{"speaker":"CASEY KEMPTON","startTime":7.04,"endTime":10.89,"body":"I've spent a lot of my"},{"speaker":"CASEY KEMPTON","startTime":7.04,"endTime":10.89,"body":"career in change management."},{"speaker":"CASEY KEMPTON","startTime":10.89,"endTime":12.83,"body":"It's one person at a time."},{"speaker":"CASEY KEMPTON","startTime":12.83,"endTime":14.31,"body":"[MUSIC PLAYING]"},{"speaker":"SPEAKER 1","startTime":14.31,"endTime":16.58,"body":"This is The"},{"speaker":"SPEAKER 1","startTime":14.31,"endTime":16.58,"body":"Insurance Technology Podcast"},{"speaker":"SPEAKER 1","startTime":16.58,"endTime":18.11,"body":"where we bring"},{"speaker":"SPEAKER 1","startTime":16.58,"endTime":18.11,"body":"interesting people"},{"speaker":"SPEAKER 1","startTime":18.11,"endTime":19.85,"body":"from across the"},{"speaker":"SPEAKER 1","startTime":18.11,"endTime":19.85,"body":"insurance ecosystem"},{"speaker":"SPEAKER 1","startTime":19.85,"endTime":21.5,"body":"to discuss and"},{"speaker":"SPEAKER 1","startTime":19.85,"endTime":21.5,"body":"debate technology's"},{"speaker":"SPEAKER 1","startTime":21.5,"endTime":23.43,"body":"impact on the industry."},{"speaker":"SPEAKER 1","startTime":23.43,"endTime":26.24,"body":"Join us each episode for"},{"speaker":"SPEAKER 1","startTime":23.43,"endTime":26.24,"body":"insights and best practices"},{"speaker":"SPEAKER 1","startTime":26.24,"endTime":29.58,"body":"from industry stewards"},{"speaker":"SPEAKER 1","startTime":26.24,"endTime":29.58,"body":"and tomorrow's innovators."},{"speaker":"SPEAKER 1","startTime":29.58,"endTime":32.45,"body":"Now here's your"},{"speaker":"SPEAKER 1","startTime":29.58,"endTime":32.45,"body":"host, Reid Holzworth."},{"speaker":"REID HOLZWORTH","startTime":36.02,"endTime":38.52,"body":"Welcome to The"},{"speaker":"REID HOLZWORTH","startTime":36.02,"endTime":38.52,"body":"Insurance Technology Podcast."},{"speaker":"REID HOLZWORTH","startTime":38.52,"endTime":40.38,"body":"I'm your host, Reid Holzworth."},{"speaker":"REID HOLZWORTH","startTime":40.38,"endTime":43.05,"body":"In this episode, I'm going to"},{"speaker":"REID HOLZWORTH","startTime":40.38,"endTime":43.05,"body":"be interviewing Casey Kempton."},{"speaker":"REID HOLZWORTH","startTime":43.05,"endTime":47.58,"body":"So Casey is the EVP"},{"speaker":"REID HOLZWORTH","startTime":43.05,"endTime":47.58,"body":"Digital Business Officer"},{"speaker":"REID HOLZWORTH","startTime":47.58,"endTime":49.74,"body":"at Chubb Small Business."},{"speaker":"REID HOLZWORTH","startTime":49.74,"endTime":50.25,"body":"Whoo!"},{"speaker":"REID HOLZWORTH","startTime":50.25,"endTime":51.24,"body":"That's a title."},{"speaker":"REID HOLZWORTH","startTime":51.24,"endTime":52.63,"body":"Carriers love their titles."},{"speaker":"REID HOLZWORTH","startTime":52.63,"endTime":54.7,"body":"But look, it's a big title."},{"speaker":"REID HOLZWORTH","startTime":54.7,"endTime":57.3,"body":"It's an important title"},{"speaker":"REID HOLZWORTH","startTime":54.7,"endTime":57.3,"body":"because I'll tell you what."},{"speaker":"REID HOLZWORTH","startTime":57.3,"endTime":59.43,"body":"Casey is a freaking rock star."},{"speaker":"REID HOLZWORTH","startTime":59.43,"endTime":62.08,"body":"So I got to know Casey a"},{"speaker":"REID HOLZWORTH","startTime":59.43,"endTime":62.08,"body":"little over a year ago,"},{"speaker":"REID HOLZWORTH","startTime":62.08,"endTime":64.83,"body":"and just getting to know"},{"speaker":"REID HOLZWORTH","startTime":62.08,"endTime":64.83,"body":"her story and what she does"},{"speaker":"REID HOLZWORTH","startTime":64.83,"endTime":68.31,"body":"and where she's been is just"},{"speaker":"REID HOLZWORTH","startTime":64.83,"endTime":68.31,"body":"really, really interesting."},{"speaker":"REID HOLZWORTH","startTime":68.31,"endTime":69.69,"body":"You guys are going to enjoy it."},{"speaker":"REID HOLZWORTH","startTime":69.69,"endTime":73.41,"body":"In this episode, we're going"},{"speaker":"REID HOLZWORTH","startTime":69.69,"endTime":73.41,"body":"to get into Casey's background,"},{"speaker":"REID HOLZWORTH","startTime":73.41,"endTime":76.32,"body":"where she came from, what"},{"speaker":"REID HOLZWORTH","startTime":73.41,"endTime":76.32,"body":"she liked to do as a kid,"},{"speaker":"REID HOLZWORTH","startTime":76.32,"endTime":77.49,"body":"all that great stuff."},{"speaker":"REID HOLZWORTH","startTime":77.49,"endTime":80.97,"body":"And we're going to get into"},{"speaker":"REID HOLZWORTH","startTime":77.49,"endTime":80.97,"body":"cognitive anthropology,"},{"speaker":"REID HOLZWORTH","startTime":80.97,"endTime":83.94,"body":"which Casey knows a lot"},{"speaker":"REID HOLZWORTH","startTime":80.97,"endTime":83.94,"body":"about, and how that relates"},{"speaker":"REID HOLZWORTH","startTime":83.94,"endTime":85.83,"body":"to insurance, and"},{"speaker":"REID HOLZWORTH","startTime":83.94,"endTime":85.83,"body":"then how she fell"},{"speaker":"REID HOLZWORTH","startTime":85.83,"endTime":88.06,"body":"into insurance through that."},{"speaker":"REID HOLZWORTH","startTime":88.06,"endTime":88.87,"body":"So stay tuned."},{"speaker":"REID HOLZWORTH","startTime":88.87,"endTime":91.13,"body":"It's going to be"},{"speaker":"REID HOLZWORTH","startTime":88.87,"endTime":91.13,"body":"a great episode."},{"speaker":"REID HOLZWORTH","startTime":91.13,"endTime":91.823,"body":"Welcome, Casey."},{"speaker":"CASEY KEMPTON","startTime":91.823,"endTime":92.99,"body":"Thanks, Reid."},{"speaker":"CASEY KEMPTON","startTime":92.99,"endTime":94.21,"body":"So happy to be here with you."},{"speaker":"REID HOLZWORTH","startTime":94.21,"endTime":95.21,"body":"Awesome."},{"speaker":"REID HOLZWORTH","startTime":95.21,"endTime":98.34,"body":"So Casey and I, we met each"},{"speaker":"REID HOLZWORTH","startTime":95.21,"endTime":98.34,"body":"other not that long ago."},{"speaker":"REID HOLZWORTH","startTime":98.34,"endTime":100.498,"body":"I'd say maybe a year or"},{"speaker":"REID HOLZWORTH","startTime":98.34,"endTime":100.498,"body":"two we've known each other."},{"speaker":"REID HOLZWORTH","startTime":100.498,"endTime":101.54,"body":"It hasn't been that long."},{"speaker":"REID HOLZWORTH","startTime":101.54,"endTime":103.91,"body":"I think the first time"},{"speaker":"REID HOLZWORTH","startTime":101.54,"endTime":103.91,"body":"I met you in person"},{"speaker":"REID HOLZWORTH","startTime":103.91,"endTime":105.5,"body":"was at InsureTech Connect."},{"speaker":"REID HOLZWORTH","startTime":105.5,"endTime":107.75,"body":"I don't know if that was"},{"speaker":"REID HOLZWORTH","startTime":105.5,"endTime":107.75,"body":"last year or the year before,"},{"speaker":"REID HOLZWORTH","startTime":107.75,"endTime":108.92,"body":"but fairly recent."},{"speaker":"CASEY KEMPTON","startTime":108.92,"endTime":109.79,"body":"Yeah."},{"speaker":"REID HOLZWORTH","startTime":109.79,"endTime":110.63,"body":"And so we've gotten"},{"speaker":"REID HOLZWORTH","startTime":110.63,"endTime":112.68,"body":"to know each other"},{"speaker":"REID HOLZWORTH","startTime":110.63,"endTime":112.68,"body":"pretty well since then."},{"speaker":"REID HOLZWORTH","startTime":112.68,"endTime":116.97,"body":"And so before we"},{"speaker":"REID HOLZWORTH","startTime":112.68,"endTime":116.97,"body":"get into what you do"},{"speaker":"REID HOLZWORTH","startTime":116.97,"endTime":119.99,"body":"and what you've done for"},{"speaker":"REID HOLZWORTH","startTime":116.97,"endTime":119.99,"body":"this industry, if you will,"},{"speaker":"REID HOLZWORTH","startTime":119.99,"endTime":122.05,"body":"we'd love to get into"},{"speaker":"REID HOLZWORTH","startTime":119.99,"endTime":122.05,"body":"knowing who Casey is."},{"speaker":"REID HOLZWORTH","startTime":122.05,"endTime":123.8,"body":"So tell us a little"},{"speaker":"REID HOLZWORTH","startTime":122.05,"endTime":123.8,"body":"about yourself, Casey."},{"speaker":"REID HOLZWORTH","startTime":123.8,"endTime":125.13,"body":"So where did you grow up?"},{"speaker":"REID HOLZWORTH","startTime":125.13,"endTime":125.93,"body":"Where are you from?"},{"speaker":"CASEY KEMPTON","startTime":125.93,"endTime":128.33,"body":"I grew"},{"speaker":"CASEY KEMPTON","startTime":125.93,"endTime":128.33,"body":"up in Connecticut."},{"speaker":"CASEY KEMPTON","startTime":128.33,"endTime":130.58,"body":"I currently live in New Jersey."},{"speaker":"CASEY KEMPTON","startTime":130.58,"endTime":133.04,"body":"I had a bit of a nomadic youth."},{"speaker":"CASEY KEMPTON","startTime":133.04,"endTime":136.04,"body":"I got to live in a couple of"},{"speaker":"CASEY KEMPTON","startTime":133.04,"endTime":136.04,"body":"different places growing up."},{"speaker":"CASEY KEMPTON","startTime":136.04,"endTime":139.37,"body":"I lived in Florida for middle"},{"speaker":"CASEY KEMPTON","startTime":136.04,"endTime":139.37,"body":"school and a little bit"},{"speaker":"CASEY KEMPTON","startTime":139.37,"endTime":140.06,"body":"of high school."},{"speaker":"CASEY KEMPTON","startTime":140.06,"endTime":142.628,"body":"I lived in a very small"},{"speaker":"CASEY KEMPTON","startTime":140.06,"endTime":142.628,"body":"town in Louisiana."},{"speaker":"REID HOLZWORTH","startTime":142.628,"endTime":144.17,"body":"What"},{"speaker":"REID HOLZWORTH","startTime":142.628,"endTime":144.17,"body":"part of Florida?"},{"speaker":"CASEY KEMPTON","startTime":144.17,"endTime":146.295,"body":"I lived in"},{"speaker":"CASEY KEMPTON","startTime":144.17,"endTime":146.295,"body":"a town called North Port."},{"speaker":"CASEY KEMPTON","startTime":146.295,"endTime":147.77,"body":"It's just south of"},{"speaker":"CASEY KEMPTON","startTime":146.295,"endTime":147.77,"body":"Venice, Florida."},{"speaker":"REID HOLZWORTH","startTime":147.77,"endTime":148.91,"body":"Oh, I"},{"speaker":"REID HOLZWORTH","startTime":147.77,"endTime":148.91,"body":"think you did tell me this."},{"speaker":"CASEY KEMPTON","startTime":148.91,"endTime":149.57,"body":"West Coast."},{"speaker":"REID HOLZWORTH","startTime":149.57,"endTime":150.22,"body":"OK, yeah."},{"speaker":"CASEY KEMPTON","startTime":150.22,"endTime":151.7,"body":"Yeah, Gulf Coast."},{"speaker":"REID HOLZWORTH","startTime":151.7,"endTime":153.05,"body":"Venice-- I've"},{"speaker":"REID HOLZWORTH","startTime":151.7,"endTime":153.05,"body":"never been to Venice, actually."},{"speaker":"REID HOLZWORTH","startTime":153.05,"endTime":153.68,"body":"It's kind of funny."},{"speaker":"REID HOLZWORTH","startTime":153.68,"endTime":154.85,"body":"I mean, I've lived in"},{"speaker":"REID HOLZWORTH","startTime":153.68,"endTime":154.85,"body":"Florida for a long time."},{"speaker":"REID HOLZWORTH","startTime":154.85,"endTime":156.35,"body":"But I hear Venice is"},{"speaker":"REID HOLZWORTH","startTime":154.85,"endTime":156.35,"body":"actually really cool."},{"speaker":"CASEY KEMPTON","startTime":156.35,"endTime":157.22,"body":"It's"},{"speaker":"CASEY KEMPTON","startTime":156.35,"endTime":157.22,"body":"a cool little town."},{"speaker":"REID HOLZWORTH","startTime":157.22,"endTime":158.78,"body":"I've never"},{"speaker":"REID HOLZWORTH","startTime":157.22,"endTime":158.78,"body":"been for whatever reason."},{"speaker":"CASEY KEMPTON","startTime":158.78,"endTime":160.82,"body":"Yeah,"},{"speaker":"CASEY KEMPTON","startTime":158.78,"endTime":160.82,"body":"I've not gone back,"},{"speaker":"CASEY KEMPTON","startTime":160.82,"endTime":162.785,"body":"so I don't know"},{"speaker":"CASEY KEMPTON","startTime":160.82,"endTime":162.785,"body":"what it's like now."},{"speaker":"CASEY KEMPTON","startTime":162.785,"endTime":165.74,"body":"But it was a nice place"},{"speaker":"CASEY KEMPTON","startTime":162.785,"endTime":165.74,"body":"to grow up for a bit."},{"speaker":"CASEY KEMPTON","startTime":165.74,"endTime":169.16,"body":"When I was younger, we lived in"},{"speaker":"CASEY KEMPTON","startTime":165.74,"endTime":169.16,"body":"a little town called Maurepas,"},{"speaker":"CASEY KEMPTON","startTime":169.16,"endTime":171.95,"body":"Louisiana, in Lafayette Parish."},{"speaker":"CASEY KEMPTON","startTime":171.95,"endTime":173.63,"body":"I went to this"},{"speaker":"CASEY KEMPTON","startTime":171.95,"endTime":173.63,"body":"tiny little school."},{"speaker":"CASEY KEMPTON","startTime":173.63,"endTime":175.63,"body":"It was kindergarten"},{"speaker":"CASEY KEMPTON","startTime":173.63,"endTime":175.63,"body":"through 12th grade."},{"speaker":"REID HOLZWORTH","startTime":175.63,"endTime":176.63,"body":"Oh, wow."},{"speaker":"CASEY KEMPTON","startTime":176.63,"endTime":178.922,"body":"I think there"},{"speaker":"CASEY KEMPTON","startTime":176.63,"endTime":178.922,"body":"were, like, 30 3rd graders"},{"speaker":"CASEY KEMPTON","startTime":178.922,"endTime":180.95,"body":"and 16 12th graders."},{"speaker":"CASEY KEMPTON","startTime":180.95,"endTime":184.1,"body":"Right in the middle-- like,"},{"speaker":"CASEY KEMPTON","startTime":180.95,"endTime":184.1,"body":"in the heart of the bayou."},{"speaker":"CASEY KEMPTON","startTime":184.1,"endTime":187.383,"body":"So that early experience"},{"speaker":"CASEY KEMPTON","startTime":184.1,"endTime":187.383,"body":"sort of opened my eyes"},{"speaker":"CASEY KEMPTON","startTime":187.383,"endTime":189.05,"body":"to different people"},{"speaker":"CASEY KEMPTON","startTime":187.383,"endTime":189.05,"body":"and different things"},{"speaker":"CASEY KEMPTON","startTime":189.05,"endTime":190.73,"body":"and different ways of living."},{"speaker":"REID HOLZWORTH","startTime":190.73,"endTime":192.105,"body":"Do you-- hold on."},{"speaker":"REID HOLZWORTH","startTime":192.105,"endTime":193.16,"body":"Do you eat mud bugs?"},{"speaker":"REID HOLZWORTH","startTime":193.16,"endTime":194.03,"body":"You know what mud bugs are?"},{"speaker":"CASEY KEMPTON","startTime":194.03,"endTime":195.05,"body":"I don't"},{"speaker":"CASEY KEMPTON","startTime":194.03,"endTime":195.05,"body":"even know what a mud bug--"},{"speaker":"REID HOLZWORTH","startTime":195.05,"endTime":195.87,"body":"You don't"},{"speaker":"REID HOLZWORTH","startTime":195.05,"endTime":195.87,"body":"know what a mud bug is?"},{"speaker":"CASEY KEMPTON","startTime":195.87,"endTime":198.32,"body":"But I have"},{"speaker":"CASEY KEMPTON","startTime":195.87,"endTime":198.32,"body":"been to an alligator farm."},{"speaker":"REID HOLZWORTH","startTime":198.32,"endTime":199.82,"body":"Oh, and"},{"speaker":"REID HOLZWORTH","startTime":198.32,"endTime":199.82,"body":"so you've eaten alligator?"},{"speaker":"CASEY KEMPTON","startTime":199.82,"endTime":200.36,"body":"I have."},{"speaker":"REID HOLZWORTH","startTime":200.36,"endTime":201.77,"body":"Mud"},{"speaker":"REID HOLZWORTH","startTime":200.36,"endTime":201.77,"body":"bugs are crawfish."},{"speaker":"CASEY KEMPTON","startTime":201.77,"endTime":202.16,"body":"Oh."},{"speaker":"CASEY KEMPTON","startTime":202.16,"endTime":203.09,"body":"Well, yeah, tons."},{"speaker":"CASEY KEMPTON","startTime":203.09,"endTime":206.09,"body":"And crawfish boils, out"},{"speaker":"CASEY KEMPTON","startTime":203.09,"endTime":206.09,"body":"of control, to the point"},{"speaker":"CASEY KEMPTON","startTime":206.09,"endTime":208.225,"body":"that I wouldn't even peel"},{"speaker":"CASEY KEMPTON","startTime":206.09,"endTime":208.225,"body":"my own after a while."},{"speaker":"CASEY KEMPTON","startTime":208.225,"endTime":209.6,"body":"They cut your"},{"speaker":"CASEY KEMPTON","startTime":208.225,"endTime":209.6,"body":"fingers when you're"},{"speaker":"CASEY KEMPTON","startTime":209.6,"endTime":211.01,"body":"peeling them as a little kid."},{"speaker":"CASEY KEMPTON","startTime":211.01,"endTime":212.48,"body":"But I don't eat them anymore."},{"speaker":"CASEY KEMPTON","startTime":212.48,"endTime":214.01,"body":"But I do like catfish."},{"speaker":"REID HOLZWORTH","startTime":214.01,"endTime":214.4,"body":"Oh, yeah?"},{"speaker":"CASEY KEMPTON","startTime":214.4,"endTime":215.233,"body":"Yeah."},{"speaker":"CASEY KEMPTON","startTime":215.233,"endTime":217.01,"body":"So it was like a"},{"speaker":"CASEY KEMPTON","startTime":215.233,"endTime":217.01,"body":"fishing community."},{"speaker":"CASEY KEMPTON","startTime":217.01,"endTime":219.68,"body":"There were more canals"},{"speaker":"CASEY KEMPTON","startTime":217.01,"endTime":219.68,"body":"than there were roads."},{"speaker":"CASEY KEMPTON","startTime":219.68,"endTime":221.663,"body":"And my little 3rd"},{"speaker":"CASEY KEMPTON","startTime":219.68,"endTime":221.663,"body":"and 4th grade friends"},{"speaker":"CASEY KEMPTON","startTime":221.663,"endTime":224.33,"body":"had their own little speedboats,"},{"speaker":"CASEY KEMPTON","startTime":221.663,"endTime":224.33,"body":"and they'd ride up to my house."},{"speaker":"CASEY KEMPTON","startTime":224.33,"endTime":227.24,"body":"And I'd hop in and go play"},{"speaker":"CASEY KEMPTON","startTime":224.33,"endTime":227.24,"body":"with them at their house."},{"speaker":"CASEY KEMPTON","startTime":227.24,"endTime":232.07,"body":"Totally different from my very"},{"speaker":"CASEY KEMPTON","startTime":227.24,"endTime":232.07,"body":"sort of New England upbringing."},{"speaker":"CASEY KEMPTON","startTime":232.07,"endTime":232.97,"body":"Totally different."},{"speaker":"REID HOLZWORTH","startTime":232.97,"endTime":233.97,"body":"[LAUGHS]"},{"speaker":"CASEY KEMPTON","startTime":233.97,"endTime":236.6,"body":"But I came to"},{"speaker":"CASEY KEMPTON","startTime":233.97,"endTime":236.6,"body":"recognize what's different"},{"speaker":"CASEY KEMPTON","startTime":236.6,"endTime":238.64,"body":"and sort of beautiful"},{"speaker":"CASEY KEMPTON","startTime":236.6,"endTime":238.64,"body":"about different people"},{"speaker":"CASEY KEMPTON","startTime":238.64,"endTime":241.19,"body":"and different cultures,"},{"speaker":"CASEY KEMPTON","startTime":238.64,"endTime":241.19,"body":"and sort of opened me up"},{"speaker":"CASEY KEMPTON","startTime":241.19,"endTime":244.998,"body":"to really fascinating curiosity"},{"speaker":"CASEY KEMPTON","startTime":241.19,"endTime":244.998,"body":"about how people work."},{"speaker":"REID HOLZWORTH","startTime":244.998,"endTime":246.29,"body":"That's awesome."},{"speaker":"CASEY KEMPTON","startTime":246.29,"endTime":247.123,"body":"Yeah."},{"speaker":"CASEY KEMPTON","startTime":247.123,"endTime":249.5,"body":"So we moved back to where"},{"speaker":"CASEY KEMPTON","startTime":247.123,"endTime":249.5,"body":"I originally started"},{"speaker":"CASEY KEMPTON","startTime":249.5,"endTime":250.91,"body":"in Naugatuck, Connecticut."},{"speaker":"CASEY KEMPTON","startTime":250.91,"endTime":253.82,"body":"And I lived a lot"},{"speaker":"CASEY KEMPTON","startTime":250.91,"endTime":253.82,"body":"with my grandparents,"},{"speaker":"CASEY KEMPTON","startTime":253.82,"endTime":255.84,"body":"actually, which was great."},{"speaker":"CASEY KEMPTON","startTime":255.84,"endTime":258.529,"body":"I loved that multi-generational."},{"speaker":"CASEY KEMPTON","startTime":258.529,"endTime":263.51,"body":"They are-- both of them were"},{"speaker":"CASEY KEMPTON","startTime":258.529,"endTime":263.51,"body":"first generation in the US."},{"speaker":"CASEY KEMPTON","startTime":263.51,"endTime":266.42,"body":"Their parents came"},{"speaker":"CASEY KEMPTON","startTime":263.51,"endTime":266.42,"body":"through Ellis Island."},{"speaker":"CASEY KEMPTON","startTime":266.42,"endTime":268.57,"body":"Germany, Sweden,"},{"speaker":"CASEY KEMPTON","startTime":266.42,"endTime":268.57,"body":"Hungary, and Austria."},{"speaker":"REID HOLZWORTH","startTime":268.57,"endTime":269.57,"body":"Oh, wow."},{"speaker":"CASEY KEMPTON","startTime":269.57,"endTime":270.403,"body":"Yeah."},{"speaker":"CASEY KEMPTON","startTime":270.403,"endTime":271.73,"body":"They were working class."},{"speaker":"CASEY KEMPTON","startTime":271.73,"endTime":274.24,"body":"They came over to"},{"speaker":"CASEY KEMPTON","startTime":271.73,"endTime":274.24,"body":"make a better life."},{"speaker":"CASEY KEMPTON","startTime":274.24,"endTime":275.64,"body":"They did factory work."},{"speaker":"CASEY KEMPTON","startTime":275.64,"endTime":278.28,"body":"My grandfather"},{"speaker":"CASEY KEMPTON","startTime":275.64,"endTime":278.28,"body":"worked in a factory"},{"speaker":"CASEY KEMPTON","startTime":278.28,"endTime":279.78,"body":"and then bought that factory."},{"speaker":"REID HOLZWORTH","startTime":279.78,"endTime":280.47,"body":"Oh, no kidding."},{"speaker":"CASEY KEMPTON","startTime":280.47,"endTime":281.303,"body":"Yeah."},{"speaker":"CASEY KEMPTON","startTime":281.303,"endTime":282.727,"body":"He was a tool and die maker."},{"speaker":"REID HOLZWORTH","startTime":282.727,"endTime":283.56,"body":"Wow."},{"speaker":"CASEY KEMPTON","startTime":283.56,"endTime":284.977,"body":"So"},{"speaker":"CASEY KEMPTON","startTime":283.56,"endTime":284.977,"body":"he made the dies"},{"speaker":"CASEY KEMPTON","startTime":284.977,"endTime":288.66,"body":"for Stanley Tools and"},{"speaker":"CASEY KEMPTON","startTime":284.977,"endTime":288.66,"body":"industrial-grade scissors"},{"speaker":"CASEY KEMPTON","startTime":288.66,"endTime":289.75,"body":"and things like that."},{"speaker":"CASEY KEMPTON","startTime":289.75,"endTime":291.39,"body":"And my grandmother"},{"speaker":"CASEY KEMPTON","startTime":289.75,"endTime":291.39,"body":"was an artist,"},{"speaker":"CASEY KEMPTON","startTime":291.39,"endTime":296.04,"body":"and she made specialized dials"},{"speaker":"CASEY KEMPTON","startTime":291.39,"endTime":296.04,"body":"for different kinds of gauges"},{"speaker":"CASEY KEMPTON","startTime":296.04,"endTime":299.2,"body":"and all sorts of airplane"},{"speaker":"CASEY KEMPTON","startTime":296.04,"endTime":299.2,"body":"equipment and such."},{"speaker":"CASEY KEMPTON","startTime":299.2,"endTime":301.02,"body":"And so she did all"},{"speaker":"CASEY KEMPTON","startTime":299.2,"endTime":301.02,"body":"the handmade dials."},{"speaker":"REID HOLZWORTH","startTime":301.02,"endTime":301.65,"body":"Oh, really?"},{"speaker":"CASEY KEMPTON","startTime":301.65,"endTime":302.483,"body":"Yeah."},{"speaker":"CASEY KEMPTON","startTime":302.483,"endTime":305.49,"body":"But they had a good life,"},{"speaker":"CASEY KEMPTON","startTime":302.483,"endTime":305.49,"body":"that traditional 1950s"},{"speaker":"CASEY KEMPTON","startTime":305.49,"endTime":308.88,"body":"kind of model family."},{"speaker":"CASEY KEMPTON","startTime":308.88,"endTime":310.883,"body":"So they grew up in Naugatuck."},{"speaker":"CASEY KEMPTON","startTime":310.883,"endTime":312.3,"body":"Our whole family,"},{"speaker":"CASEY KEMPTON","startTime":310.883,"endTime":312.3,"body":"they all kind of"},{"speaker":"CASEY KEMPTON","startTime":312.3,"endTime":313.96,"body":"settled there in"},{"speaker":"CASEY KEMPTON","startTime":312.3,"endTime":313.96,"body":"this little town."},{"speaker":"CASEY KEMPTON","startTime":313.96,"endTime":316.35,"body":"And it was full of"},{"speaker":"CASEY KEMPTON","startTime":313.96,"endTime":316.35,"body":"working class immigrants."},{"speaker":"CASEY KEMPTON","startTime":316.35,"endTime":319.35,"body":"Naugatuck is a river community."},{"speaker":"CASEY KEMPTON","startTime":319.35,"endTime":322.35,"body":"It fed-- all these factories"},{"speaker":"CASEY KEMPTON","startTime":319.35,"endTime":322.35,"body":"would ship their goods"},{"speaker":"CASEY KEMPTON","startTime":322.35,"endTime":324.57,"body":"down the Naugatuck River"},{"speaker":"CASEY KEMPTON","startTime":322.35,"endTime":324.57,"body":"to the Connecticut River,"},{"speaker":"CASEY KEMPTON","startTime":324.57,"endTime":326.82,"body":"and off they would go"},{"speaker":"CASEY KEMPTON","startTime":324.57,"endTime":326.82,"body":"to sea or wherever else."},{"speaker":"CASEY KEMPTON","startTime":326.82,"endTime":330.755,"body":"So it was a very eclectic mix"},{"speaker":"CASEY KEMPTON","startTime":326.82,"endTime":330.755,"body":"of mostly European immigrants."},{"speaker":"REID HOLZWORTH","startTime":330.755,"endTime":332.13,"body":"Are you artistic?"},{"speaker":"REID HOLZWORTH","startTime":332.13,"endTime":333.69,"body":"Your grandma was an artist."},{"speaker":"REID HOLZWORTH","startTime":333.69,"endTime":335.34,"body":"Are you do anything artistic?"},{"speaker":"CASEY KEMPTON","startTime":335.34,"endTime":336.93,"body":"Like, not one bit."},{"speaker":"REID HOLZWORTH","startTime":336.93,"endTime":337.38,"body":"Really?"},{"speaker":"CASEY KEMPTON","startTime":337.38,"endTime":337.77,"body":"Yeah."},{"speaker":"REID HOLZWORTH","startTime":337.77,"endTime":339.0,"body":"I could"},{"speaker":"REID HOLZWORTH","startTime":337.77,"endTime":339.0,"body":"see you being artistic."},{"speaker":"CASEY KEMPTON","startTime":339.0,"endTime":340.65,"body":"Well,"},{"speaker":"CASEY KEMPTON","startTime":339.0,"endTime":340.65,"body":"I like to decorate."},{"speaker":"REID HOLZWORTH","startTime":340.65,"endTime":341.61,"body":"Oh, OK."},{"speaker":"CASEY KEMPTON","startTime":341.61,"endTime":343.95,"body":"I'm told I"},{"speaker":"CASEY KEMPTON","startTime":341.61,"endTime":343.95,"body":"have a decorative flair, which"},{"speaker":"CASEY KEMPTON","startTime":343.95,"endTime":345.72,"body":"I probably got from"},{"speaker":"CASEY KEMPTON","startTime":343.95,"endTime":345.72,"body":"my grandmother."},{"speaker":"REID HOLZWORTH","startTime":345.72,"endTime":346.42,"body":"Yeah, right."},{"speaker":"REID HOLZWORTH","startTime":346.42,"endTime":346.65,"body":"Totally."},{"speaker":"CASEY KEMPTON","startTime":346.65,"endTime":349.23,"body":"Things like that"},{"speaker":"CASEY KEMPTON","startTime":346.65,"endTime":349.23,"body":"were very important to her."},{"speaker":"CASEY KEMPTON","startTime":349.23,"endTime":352.68,"body":"So my parents got married"},{"speaker":"CASEY KEMPTON","startTime":349.23,"endTime":352.68,"body":"when they were very young."},{"speaker":"CASEY KEMPTON","startTime":352.68,"endTime":356.31,"body":"My sister and I were-- we're"},{"speaker":"CASEY KEMPTON","startTime":352.68,"endTime":356.31,"body":"only about 18 months apart."},{"speaker":"CASEY KEMPTON","startTime":356.31,"endTime":359.44,"body":"And they got divorced"},{"speaker":"CASEY KEMPTON","startTime":356.31,"endTime":359.44,"body":"shortly after I was born."},{"speaker":"CASEY KEMPTON","startTime":359.44,"endTime":362.97,"body":"So my mom [INAUDIBLE]"},{"speaker":"CASEY KEMPTON","startTime":359.44,"endTime":362.97,"body":"was a single mother"},{"speaker":"CASEY KEMPTON","startTime":362.97,"endTime":367.02,"body":"and doing her best to make a"},{"speaker":"CASEY KEMPTON","startTime":362.97,"endTime":367.02,"body":"living for my sister and I."},{"speaker":"CASEY KEMPTON","startTime":367.02,"endTime":370.8,"body":"And we grew up without"},{"speaker":"CASEY KEMPTON","startTime":367.02,"endTime":370.8,"body":"kind of a ton, right?"},{"speaker":"CASEY KEMPTON","startTime":370.8,"endTime":373.89,"body":"Don't really have some of that"},{"speaker":"CASEY KEMPTON","startTime":370.8,"endTime":373.89,"body":"privilege that a lot of people"},{"speaker":"CASEY KEMPTON","startTime":373.89,"endTime":376.92,"body":"had, and it sort"},{"speaker":"CASEY KEMPTON","startTime":373.89,"endTime":376.92,"body":"of created in me"},{"speaker":"CASEY KEMPTON","startTime":376.92,"endTime":381.46,"body":"this drive to find a better"},{"speaker":"CASEY KEMPTON","startTime":376.92,"endTime":381.46,"body":"way and make a better life."},{"speaker":"CASEY KEMPTON","startTime":381.46,"endTime":386.22,"body":"But at the same time, not"},{"speaker":"CASEY KEMPTON","startTime":381.46,"endTime":386.22,"body":"lose touch with my roots."},{"speaker":"CASEY KEMPTON","startTime":386.22,"endTime":389.43,"body":"I still have that kind of"},{"speaker":"CASEY KEMPTON","startTime":386.22,"endTime":389.43,"body":"working class mentality,"},{"speaker":"CASEY KEMPTON","startTime":389.43,"endTime":391.29,"body":"trying to find our"},{"speaker":"CASEY KEMPTON","startTime":389.43,"endTime":391.29,"body":"way through the world,"},{"speaker":"CASEY KEMPTON","startTime":391.29,"endTime":393.84,"body":"and appreciating"},{"speaker":"CASEY KEMPTON","startTime":391.29,"endTime":393.84,"body":"everything that we have"},{"speaker":"CASEY KEMPTON","startTime":393.84,"endTime":395.97,"body":"and not taking it for granted."},{"speaker":"CASEY KEMPTON","startTime":395.97,"endTime":400.35,"body":"But it created a sense"},{"speaker":"CASEY KEMPTON","startTime":395.97,"endTime":400.35,"body":"of wonder, right?"},{"speaker":"CASEY KEMPTON","startTime":400.35,"endTime":401.46,"body":"I'll use that word again."},{"speaker":"CASEY KEMPTON","startTime":401.46,"endTime":404.37,"body":"So I just-- my world was"},{"speaker":"CASEY KEMPTON","startTime":401.46,"endTime":404.37,"body":"small when I grew up."},{"speaker":"CASEY KEMPTON","startTime":404.37,"endTime":407.19,"body":"So when I went to college,"},{"speaker":"CASEY KEMPTON","startTime":404.37,"endTime":407.19,"body":"just to be exposed"},{"speaker":"CASEY KEMPTON","startTime":407.19,"endTime":411.1,"body":"to so many different points of"},{"speaker":"CASEY KEMPTON","startTime":407.19,"endTime":411.1,"body":"view and interesting subjects,"},{"speaker":"CASEY KEMPTON","startTime":411.1,"endTime":411.6,"body":"right?"},{"speaker":"CASEY KEMPTON","startTime":411.6,"endTime":413.52,"body":"So I'm this crazy, nerdy sponge."},{"speaker":"CASEY KEMPTON","startTime":413.52,"endTime":416.85,"body":"I just sucked it all in and"},{"speaker":"CASEY KEMPTON","startTime":413.52,"endTime":416.85,"body":"did the best I could with it"},{"speaker":"CASEY KEMPTON","startTime":416.85,"endTime":418.98,"body":"to kind of round out"},{"speaker":"CASEY KEMPTON","startTime":416.85,"endTime":418.98,"body":"my view of the world."},{"speaker":"CASEY KEMPTON","startTime":418.98,"endTime":422.88,"body":"But it kind of engendered"},{"speaker":"CASEY KEMPTON","startTime":418.98,"endTime":422.88,"body":"this real curiosity."},{"speaker":"CASEY KEMPTON","startTime":422.88,"endTime":425.018,"body":"I'm curious about a lot"},{"speaker":"CASEY KEMPTON","startTime":422.88,"endTime":425.018,"body":"of different things."},{"speaker":"REID HOLZWORTH","startTime":425.018,"endTime":426.31,"body":"That's awesome."},{"speaker":"REID HOLZWORTH","startTime":426.31,"endTime":427.65,"body":"Well, it definitely shows."},{"speaker":"REID HOLZWORTH","startTime":427.65,"endTime":430.62,"body":"It's interesting you say"},{"speaker":"REID HOLZWORTH","startTime":427.65,"endTime":430.62,"body":"that about your background."},{"speaker":"REID HOLZWORTH","startTime":430.62,"endTime":434.55,"body":"Where I grew up, I grew"},{"speaker":"REID HOLZWORTH","startTime":430.62,"endTime":434.55,"body":"up in a very, very--"},{"speaker":"REID HOLZWORTH","startTime":434.55,"endTime":436.8,"body":"call it rich community."},{"speaker":"REID HOLZWORTH","startTime":436.8,"endTime":438.6,"body":"I grew up in Laguna"},{"speaker":"REID HOLZWORTH","startTime":436.8,"endTime":438.6,"body":"Beach, California."},{"speaker":"REID HOLZWORTH","startTime":438.6,"endTime":440.85,"body":"But we didn't have much."},{"speaker":"REID HOLZWORTH","startTime":440.85,"endTime":442.38,"body":"Like, we were poor."},{"speaker":"REID HOLZWORTH","startTime":442.38,"endTime":444.81,"body":"And it was weird."},{"speaker":"REID HOLZWORTH","startTime":444.81,"endTime":445.98,"body":"I was a latchkey kid."},{"speaker":"REID HOLZWORTH","startTime":445.98,"endTime":447.93,"body":"My parents weren't"},{"speaker":"REID HOLZWORTH","startTime":445.98,"endTime":447.93,"body":"really around."},{"speaker":"REID HOLZWORTH","startTime":447.93,"endTime":451.0,"body":"But that kind of"},{"speaker":"REID HOLZWORTH","startTime":447.93,"endTime":451.0,"body":"stuff really pushed"},{"speaker":"REID HOLZWORTH","startTime":451.0,"endTime":453.49,"body":"me to be successful in life."},{"speaker":"REID HOLZWORTH","startTime":453.49,"endTime":456.91,"body":"Just a lot of ambition,"},{"speaker":"REID HOLZWORTH","startTime":453.49,"endTime":456.91,"body":"entrepreneurial,"},{"speaker":"REID HOLZWORTH","startTime":456.91,"endTime":458.293,"body":"a lot of drive, right?"},{"speaker":"REID HOLZWORTH","startTime":458.293,"endTime":460.21,"body":"And I mean, you obviously"},{"speaker":"REID HOLZWORTH","startTime":458.293,"endTime":460.21,"body":"have a lot of drive."},{"speaker":"REID HOLZWORTH","startTime":460.21,"endTime":462.265,"body":"And so it's funny."},{"speaker":"REID HOLZWORTH","startTime":462.265,"endTime":465.25,"body":"When I meet people like"},{"speaker":"REID HOLZWORTH","startTime":462.265,"endTime":465.25,"body":"yourself that are just very"},{"speaker":"REID HOLZWORTH","startTime":465.25,"endTime":466.84,"body":"high functioning,"},{"speaker":"REID HOLZWORTH","startTime":465.25,"endTime":466.84,"body":"you've accomplished"},{"speaker":"REID HOLZWORTH","startTime":466.84,"endTime":469.06,"body":"a lot in your life,"},{"speaker":"REID HOLZWORTH","startTime":466.84,"endTime":469.06,"body":"and when you kind of"},{"speaker":"REID HOLZWORTH","startTime":469.06,"endTime":473.47,"body":"dig into their background,"},{"speaker":"REID HOLZWORTH","startTime":469.06,"endTime":473.47,"body":"typically you'll see that."},{"speaker":"REID HOLZWORTH","startTime":473.47,"endTime":475.863,"body":"And it's what's"},{"speaker":"REID HOLZWORTH","startTime":473.47,"endTime":475.863,"body":"made us who we are."},{"speaker":"CASEY KEMPTON","startTime":475.863,"endTime":476.78,"body":"It has."},{"speaker":"CASEY KEMPTON","startTime":476.78,"endTime":481.15,"body":"So you can see it as struggle"},{"speaker":"CASEY KEMPTON","startTime":476.78,"endTime":481.15,"body":"and overcoming adversity."},{"speaker":"CASEY KEMPTON","startTime":481.15,"endTime":483.485,"body":"I just see it as it just was."},{"speaker":"REID HOLZWORTH","startTime":483.485,"endTime":484.36,"body":"Yeah."},{"speaker":"CASEY KEMPTON","startTime":484.36,"endTime":486.43,"body":"And I'm"},{"speaker":"CASEY KEMPTON","startTime":484.36,"endTime":486.43,"body":"here now, and I am all in."},{"speaker":"CASEY KEMPTON","startTime":486.43,"endTime":489.88,"body":"And I'm going to keep"},{"speaker":"CASEY KEMPTON","startTime":486.43,"endTime":489.88,"body":"going and going until you"},{"speaker":"CASEY KEMPTON","startTime":489.88,"endTime":492.56,"body":"get to wherever it is."},{"speaker":"REID HOLZWORTH","startTime":492.56,"endTime":494.75,"body":"So as a"},{"speaker":"REID HOLZWORTH","startTime":492.56,"endTime":494.75,"body":"kid, what were you into?"},{"speaker":"REID HOLZWORTH","startTime":494.75,"endTime":496.34,"body":"Sports, hobbies?"},{"speaker":"REID HOLZWORTH","startTime":496.34,"endTime":500.15,"body":"Like, what kind of things did"},{"speaker":"REID HOLZWORTH","startTime":496.34,"endTime":500.15,"body":"you love to do as a child?"},{"speaker":"CASEY KEMPTON","startTime":500.15,"endTime":501.95,"body":"Well, I'm that age"},{"speaker":"CASEY KEMPTON","startTime":501.95,"endTime":507.005,"body":"that got a Nintendo when"},{"speaker":"CASEY KEMPTON","startTime":501.95,"endTime":507.005,"body":"I was in middle school."},{"speaker":"CASEY KEMPTON","startTime":507.005,"endTime":510.65,"body":"I was a big fan of the Duck"},{"speaker":"CASEY KEMPTON","startTime":507.005,"endTime":510.65,"body":"Hunt and mastering every Mario"},{"speaker":"CASEY KEMPTON","startTime":510.65,"endTime":512.15,"body":"Brothers."},{"speaker":"CASEY KEMPTON","startTime":512.15,"endTime":515.33,"body":"I did not really play"},{"speaker":"CASEY KEMPTON","startTime":512.15,"endTime":515.33,"body":"sports until high school."},{"speaker":"CASEY KEMPTON","startTime":515.33,"endTime":517.7,"body":"I was a setter on"},{"speaker":"CASEY KEMPTON","startTime":515.33,"endTime":517.7,"body":"the volleyball team."},{"speaker":"CASEY 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KEMPTON","startTime":532.89,"endTime":536.25,"body":"Well, I"},{"speaker":"CASEY KEMPTON","startTime":532.89,"endTime":536.25,"body":"started as a pre-med major,"},{"speaker":"CASEY KEMPTON","startTime":536.25,"endTime":540.96,"body":"and I ended up studying"},{"speaker":"CASEY KEMPTON","startTime":536.25,"endTime":540.96,"body":"anthropology, specifically"},{"speaker":"CASEY KEMPTON","startTime":540.96,"endTime":544.38,"body":"cognitive anthropology, and"},{"speaker":"CASEY KEMPTON","startTime":540.96,"endTime":544.38,"body":"a double major in English,"},{"speaker":"CASEY KEMPTON","startTime":544.38,"endTime":547.74,"body":"and almost a triple"},{"speaker":"CASEY KEMPTON","startTime":544.38,"endTime":547.74,"body":"major in Spanish."},{"speaker":"CASEY KEMPTON","startTime":547.74,"endTime":549.81,"body":"I did study abroad"},{"speaker":"CASEY KEMPTON","startTime":547.74,"endTime":549.81,"body":"and had a real passion"},{"speaker":"CASEY 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KEMPTON","startTime":560.04,"endTime":563.01,"body":"It's"},{"speaker":"CASEY KEMPTON","startTime":560.04,"endTime":563.01,"body":"very close to my heart."},{"speaker":"CASEY KEMPTON","startTime":563.01,"endTime":567.96,"body":"Any cognitive science gets"},{"speaker":"CASEY KEMPTON","startTime":563.01,"endTime":567.96,"body":"into the brain science,"},{"speaker":"CASEY KEMPTON","startTime":567.96,"endTime":571.875,"body":"the psychology, the"},{"speaker":"CASEY KEMPTON","startTime":567.96,"endTime":571.875,"body":"biological science."},{"speaker":"CASEY KEMPTON","startTime":571.875,"endTime":574.35,"body":"Its application in"},{"speaker":"CASEY KEMPTON","startTime":571.875,"endTime":574.35,"body":"anthropology, if you"},{"speaker":"CASEY KEMPTON","startTime":574.35,"endTime":578.13,"body":"think culture is in the"},{"speaker":"CASEY KEMPTON","startTime":574.35,"endTime":578.13,"body":"mind instead of culture"},{"speaker":"CASEY KEMPTON","startTime":578.13,"endTime":583.26,"body":"is the behaviors and actions and"},{"speaker":"CASEY KEMPTON","startTime":578.13,"endTime":583.26,"body":"all of the cultural artifacts,"},{"speaker":"CASEY KEMPTON","startTime":583.26,"endTime":587.4,"body":"it really tries to study how"},{"speaker":"CASEY KEMPTON","startTime":583.26,"endTime":587.4,"body":"culture exists, is passed down,"},{"speaker":"CASEY KEMPTON","startTime":587.4,"endTime":592.198,"body":"and evolves generation after"},{"speaker":"CASEY KEMPTON","startTime":587.4,"endTime":592.198,"body":"generation through our minds."},{"speaker":"REID HOLZWORTH","startTime":592.198,"endTime":593.49,"body":"That's amazing."},{"speaker":"CASEY KEMPTON","startTime":593.49,"endTime":594.06,"body":"Yeah."},{"speaker":"REID HOLZWORTH","startTime":594.06,"endTime":595.352,"body":"That's so cool."},{"speaker":"REID HOLZWORTH","startTime":595.352,"endTime":599.49,"body":"I assume you use some of that"},{"speaker":"REID HOLZWORTH","startTime":595.352,"endTime":599.49,"body":"today in what you do today."},{"speaker":"CASEY KEMPTON","startTime":599.49,"endTime":600.33,"body":"I do."},{"speaker":"CASEY KEMPTON","startTime":600.33,"endTime":605.19,"body":"It turns out it's effective for"},{"speaker":"CASEY KEMPTON","startTime":600.33,"endTime":605.19,"body":"change management, marketing,"},{"speaker":"CASEY KEMPTON","startTime":605.19,"endTime":607.66,"body":"understanding"},{"speaker":"CASEY KEMPTON","startTime":605.19,"endTime":607.66,"body":"other, if you will,"},{"speaker":"CASEY KEMPTON","startTime":607.66,"endTime":609.78,"body":"whether that's someone"},{"speaker":"CASEY KEMPTON","startTime":607.66,"endTime":609.78,"body":"you're trying to influence"},{"speaker":"CASEY KEMPTON","startTime":609.78,"endTime":612.78,"body":"or a customer you're"},{"speaker":"CASEY KEMPTON","startTime":609.78,"endTime":612.78,"body":"trying to reach."},{"speaker":"CASEY KEMPTON","startTime":612.78,"endTime":614.873,"body":"Just go into where they are."},{"speaker":"CASEY KEMPTON","startTime":614.873,"endTime":615.54,"body":"Meet them there."},{"speaker":"CASEY KEMPTON","startTime":615.54,"endTime":617.4,"body":"Be them, and come back"},{"speaker":"CASEY KEMPTON","startTime":615.54,"endTime":617.4,"body":"out and figure out"},{"speaker":"CASEY KEMPTON","startTime":617.4,"endTime":618.773,"body":"how to work together."},{"speaker":"REID HOLZWORTH","startTime":618.773,"endTime":620.19,"body":"That's so awesome."},{"speaker":"REID HOLZWORTH","startTime":620.19,"endTime":623.73,"body":"So tell us, after"},{"speaker":"REID HOLZWORTH","startTime":620.19,"endTime":623.73,"body":"school, what did you do?"},{"speaker":"REID HOLZWORTH","startTime":623.73,"endTime":624.63,"body":"So tell us your path."},{"speaker":"REID HOLZWORTH","startTime":624.63,"endTime":625.71,"body":"How did you get into insurance?"},{"speaker":"REID HOLZWORTH","startTime":625.71,"endTime":627.21,"body":"But before we get"},{"speaker":"REID HOLZWORTH","startTime":625.71,"endTime":627.21,"body":"into the insurance"},{"speaker":"REID HOLZWORTH","startTime":627.21,"endTime":629.46,"body":"part, what was your first"},{"speaker":"REID HOLZWORTH","startTime":627.21,"endTime":629.46,"body":"real job out of school?"},{"speaker":"REID HOLZWORTH","startTime":629.46,"endTime":631.51,"body":"What did you get after?"},{"speaker":"CASEY KEMPTON","startTime":631.51,"endTime":633.0,"body":"OK, Yes."},{"speaker":"CASEY KEMPTON","startTime":633.0,"endTime":635.43,"body":"My first job-- so I"},{"speaker":"CASEY KEMPTON","startTime":633.0,"endTime":635.43,"body":"graduated from college,"},{"speaker":"CASEY KEMPTON","startTime":635.43,"endTime":638.34,"body":"and I did a year in"},{"speaker":"CASEY KEMPTON","startTime":635.43,"endTime":638.34,"body":"graduate school to study"},{"speaker":"CASEY KEMPTON","startTime":638.34,"endTime":639.66,"body":"cognitive anthropology."},{"speaker":"CASEY KEMPTON","startTime":639.66,"endTime":642.3,"body":"And thought I would"},{"speaker":"CASEY KEMPTON","startTime":639.66,"endTime":642.3,"body":"go down that path"},{"speaker":"CASEY KEMPTON","startTime":642.3,"endTime":645.69,"body":"of being an academic,"},{"speaker":"CASEY KEMPTON","startTime":642.3,"endTime":645.69,"body":"perhaps a researcher."},{"speaker":"CASEY KEMPTON","startTime":645.69,"endTime":648.78,"body":"And that summer after"},{"speaker":"CASEY KEMPTON","startTime":645.69,"endTime":648.78,"body":"my freshman year,"},{"speaker":"CASEY KEMPTON","startTime":648.78,"endTime":652.36,"body":"I was actually working at"},{"speaker":"CASEY KEMPTON","startTime":648.78,"endTime":652.36,"body":"Foxwoods Casino as a hostess"},{"speaker":"CASEY KEMPTON","startTime":652.36,"endTime":653.74,"body":"in one of their restaurants."},{"speaker":"CASEY KEMPTON","startTime":653.74,"endTime":656.86,"body":"And a friend of mine was"},{"speaker":"CASEY KEMPTON","startTime":653.74,"endTime":656.86,"body":"a computer programmer--"},{"speaker":"CASEY KEMPTON","startTime":656.86,"endTime":660.8,"body":"this is 2000-- and at a"},{"speaker":"CASEY KEMPTON","startTime":656.86,"endTime":660.8,"body":"startup company in Middletown,"},{"speaker":"CASEY KEMPTON","startTime":660.8,"endTime":661.31,"body":"Connecticut."},{"speaker":"CASEY KEMPTON","startTime":661.31,"endTime":662.77,"body":"Little company"},{"speaker":"CASEY KEMPTON","startTime":661.31,"endTime":662.77,"body":"called Axiom Eight"},{"speaker":"CASEY KEMPTON","startTime":662.77,"endTime":665.14,"body":"that only existed for"},{"speaker":"CASEY KEMPTON","startTime":662.77,"endTime":665.14,"body":"about two and a half years."},{"speaker":"CASEY KEMPTON","startTime":665.14,"endTime":666.55,"body":"They were venture-backed."},{"speaker":"CASEY KEMPTON","startTime":666.55,"endTime":669.43,"body":"And they asked me, since I"},{"speaker":"CASEY KEMPTON","startTime":666.55,"endTime":669.43,"body":"had these research skills,"},{"speaker":"CASEY KEMPTON","startTime":669.43,"endTime":672.43,"body":"if I could do sort of"},{"speaker":"CASEY KEMPTON","startTime":669.43,"endTime":672.43,"body":"a trial job interview"},{"speaker":"CASEY KEMPTON","startTime":672.43,"endTime":675.58,"body":"and study the dynamic"},{"speaker":"CASEY KEMPTON","startTime":672.43,"endTime":675.58,"body":"collaborative communication"},{"speaker":"CASEY KEMPTON","startTime":675.58,"endTime":678.89,"body":"market, which was what we"},{"speaker":"CASEY KEMPTON","startTime":675.58,"endTime":678.89,"body":"tried to coin it at the time."},{"speaker":"CASEY KEMPTON","startTime":678.89,"endTime":683.86,"body":"And so I went off about studying"},{"speaker":"CASEY KEMPTON","startTime":678.89,"endTime":683.86,"body":"solutions like NetMeeting."},{"speaker":"CASEY KEMPTON","startTime":683.86,"endTime":685.66,"body":"You remember the old"},{"speaker":"CASEY KEMPTON","startTime":683.86,"endTime":685.66,"body":"NetMeeting solution?"},{"speaker":"CASEY KEMPTON","startTime":685.66,"endTime":688.81,"body":"And Lotus Sametime, Webly."},{"speaker":"CASEY KEMPTON","startTime":688.81,"endTime":692.08,"body":"And got the job and"},{"speaker":"CASEY KEMPTON","startTime":688.81,"endTime":692.08,"body":"ended up becoming"},{"speaker":"CASEY KEMPTON","startTime":692.08,"endTime":696.89,"body":"our marketing PR, market"},{"speaker":"CASEY KEMPTON","startTime":692.08,"endTime":696.89,"body":"research, product research."},{"speaker":"CASEY KEMPTON","startTime":696.89,"endTime":699.04,"body":"It's where I got into"},{"speaker":"CASEY KEMPTON","startTime":696.89,"endTime":699.04,"body":"technology, I guess."},{"speaker":"CASEY KEMPTON","startTime":699.04,"endTime":701.14,"body":"So I took those"},{"speaker":"CASEY KEMPTON","startTime":699.04,"endTime":701.14,"body":"research skills and was"},{"speaker":"CASEY KEMPTON","startTime":701.14,"endTime":703.75,"body":"reading technical white papers"},{"speaker":"CASEY KEMPTON","startTime":701.14,"endTime":703.75,"body":"and studying the evolution"},{"speaker":"CASEY KEMPTON","startTime":703.75,"endTime":705.97,"body":"of the internet,"},{"speaker":"CASEY KEMPTON","startTime":703.75,"endTime":705.97,"body":"business communication,"},{"speaker":"CASEY KEMPTON","startTime":705.97,"endTime":708.76,"body":"how knowledge workers"},{"speaker":"CASEY KEMPTON","startTime":705.97,"endTime":708.76,"body":"would work in the future."},{"speaker":"CASEY KEMPTON","startTime":708.76,"endTime":714.52,"body":"We basically built a tool that"},{"speaker":"CASEY KEMPTON","startTime":708.76,"endTime":714.52,"body":"is Zoom today for distributed"},{"speaker":"CASEY KEMPTON","startTime":714.52,"endTime":717.68,"body":"companies so knowledge"},{"speaker":"CASEY KEMPTON","startTime":714.52,"endTime":717.68,"body":"workers could stay connected."},{"speaker":"CASEY KEMPTON","startTime":717.68,"endTime":720.94,"body":"So we had some proprietary"},{"speaker":"CASEY KEMPTON","startTime":717.68,"endTime":720.94,"body":"technology back then,"},{"speaker":"CASEY KEMPTON","startTime":720.94,"endTime":723.01,"body":"some really cool"},{"speaker":"CASEY KEMPTON","startTime":720.94,"endTime":723.01,"body":"codecs around how"},{"speaker":"CASEY KEMPTON","startTime":723.01,"endTime":724.81,"body":"video would reassemble itself."},{"speaker":"CASEY KEMPTON","startTime":724.81,"endTime":727.57,"body":"A bunch of PC gamers"},{"speaker":"CASEY KEMPTON","startTime":724.81,"endTime":727.57,"body":"who had started"},{"speaker":"CASEY KEMPTON","startTime":727.57,"endTime":730.18,"body":"a company on audio"},{"speaker":"CASEY KEMPTON","startTime":727.57,"endTime":730.18,"body":"communication came over"},{"speaker":"CASEY KEMPTON","startTime":730.18,"endTime":731.92,"body":"and built this"},{"speaker":"CASEY KEMPTON","startTime":730.18,"endTime":731.92,"body":"enterprise software tool."},{"speaker":"CASEY KEMPTON","startTime":731.92,"endTime":734.38,"body":"Of course, being VC-funded,"},{"speaker":"CASEY KEMPTON","startTime":731.92,"endTime":734.38,"body":"we couldn't get anyone"},{"speaker":"CASEY KEMPTON","startTime":734.38,"endTime":736.66,"body":"to buy the solution, but"},{"speaker":"CASEY KEMPTON","startTime":734.38,"endTime":736.66,"body":"it leads to insurance."},{"speaker":"CASEY KEMPTON","startTime":736.66,"endTime":739.03,"body":"One of our beta clients"},{"speaker":"CASEY KEMPTON","startTime":736.66,"endTime":739.03,"body":"was The Hartford."},{"speaker":"CASEY KEMPTON","startTime":739.03,"endTime":743.71,"body":"And we worked with them in kind"},{"speaker":"CASEY KEMPTON","startTime":739.03,"endTime":743.71,"body":"of an incubator-type venture"},{"speaker":"CASEY KEMPTON","startTime":743.71,"endTime":746.125,"body":"area that they had."},{"speaker":"CASEY KEMPTON","startTime":746.125,"endTime":749.8,"body":"For about five months, every"},{"speaker":"CASEY KEMPTON","startTime":746.125,"endTime":749.8,"body":"Friday the CEO of the startup"},{"speaker":"CASEY KEMPTON","startTime":749.8,"endTime":751.84,"body":"would get a phone call"},{"speaker":"CASEY KEMPTON","startTime":749.8,"endTime":751.84,"body":"from the venture company"},{"speaker":"CASEY KEMPTON","startTime":751.84,"endTime":754.46,"body":"and tell us if we were still"},{"speaker":"CASEY KEMPTON","startTime":751.84,"endTime":754.46,"body":"in business for the next month."},{"speaker":"CASEY KEMPTON","startTime":754.46,"endTime":756.11,"body":"That went on for"},{"speaker":"CASEY KEMPTON","startTime":754.46,"endTime":756.11,"body":"about five months."},{"speaker":"CASEY KEMPTON","startTime":756.11,"endTime":759.37,"body":"And then one day the phone call"},{"speaker":"CASEY KEMPTON","startTime":756.11,"endTime":759.37,"body":"came, and it was, that's it."},{"speaker":"CASEY KEMPTON","startTime":759.37,"endTime":760.1,"body":"It's done."},{"speaker":"CASEY KEMPTON","startTime":760.1,"endTime":760.78,"body":"Good luck."},{"speaker":"CASEY KEMPTON","startTime":760.78,"endTime":763.39,"body":"So I asked him-- he was well"},{"speaker":"CASEY KEMPTON","startTime":760.78,"endTime":763.39,"body":"connected in the insurance"},{"speaker":"CASEY KEMPTON","startTime":763.39,"endTime":766.435,"body":"market, having been a"},{"speaker":"CASEY KEMPTON","startTime":763.39,"endTime":766.435,"body":"former insurance executive,"},{"speaker":"CASEY KEMPTON","startTime":766.435,"endTime":769.03,"body":"if he would help me"},{"speaker":"CASEY KEMPTON","startTime":766.435,"endTime":769.03,"body":"find a job somewhere."},{"speaker":"CASEY KEMPTON","startTime":769.03,"endTime":771.55,"body":"And he and I went around"},{"speaker":"CASEY KEMPTON","startTime":769.03,"endTime":771.55,"body":"to all kinds of firms,"},{"speaker":"CASEY KEMPTON","startTime":771.55,"endTime":775.24,"body":"trying to offload the IP on"},{"speaker":"CASEY KEMPTON","startTime":771.55,"endTime":775.24,"body":"behalf of the venture company."},{"speaker":"CASEY KEMPTON","startTime":775.24,"endTime":778.57,"body":"And in the end, I had a job"},{"speaker":"CASEY KEMPTON","startTime":775.24,"endTime":778.57,"body":"at The Hartford in about--"},{"speaker":"CASEY KEMPTON","startTime":778.57,"endTime":781.36,"body":"probably about less"},{"speaker":"CASEY KEMPTON","startTime":778.57,"endTime":781.36,"body":"than six weeks' time."},{"speaker":"CASEY KEMPTON","startTime":781.36,"endTime":783.14,"body":"I joined this unit."},{"speaker":"CASEY KEMPTON","startTime":783.14,"endTime":784.72,"body":"We called it eBusiness Ventures."},{"speaker":"CASEY KEMPTON","startTime":784.72,"endTime":787.86,"body":"And Hartford had a little--"},{"speaker":"CASEY KEMPTON","startTime":787.86,"endTime":790.36,"body":"I guess a war chest out of their"},{"speaker":"CASEY KEMPTON","startTime":787.86,"endTime":790.36,"body":"technology department where"},{"speaker":"CASEY KEMPTON","startTime":790.36,"endTime":793.33,"body":"they were picking up a lot"},{"speaker":"CASEY KEMPTON","startTime":790.36,"endTime":793.33,"body":"of distressed properties,"},{"speaker":"CASEY KEMPTON","startTime":793.33,"endTime":795.7,"body":"particularly after 9/11"},{"speaker":"CASEY KEMPTON","startTime":793.33,"endTime":795.7,"body":"when all the capital was"},{"speaker":"CASEY KEMPTON","startTime":795.7,"endTime":796.51,"body":"going to Bermuda."},{"speaker":"CASEY KEMPTON","startTime":796.51,"endTime":798.61,"body":"So that very first"},{"speaker":"CASEY KEMPTON","startTime":796.51,"endTime":798.61,"body":"kind of internet boom"},{"speaker":"CASEY KEMPTON","startTime":798.61,"endTime":799.93,"body":"that hit insurance."},{"speaker":"CASEY KEMPTON","startTime":799.93,"endTime":802.39,"body":"And the solutions"},{"speaker":"CASEY KEMPTON","startTime":799.93,"endTime":802.39,"body":"that they invested in"},{"speaker":"CASEY KEMPTON","startTime":802.39,"endTime":804.19,"body":"covered the entire"},{"speaker":"CASEY KEMPTON","startTime":802.39,"endTime":804.19,"body":"insurance value"},{"speaker":"CASEY KEMPTON","startTime":804.19,"endTime":807.25,"body":"chain, whether it was continuing"},{"speaker":"CASEY KEMPTON","startTime":804.19,"endTime":807.25,"body":"education or agency management"},{"speaker":"CASEY KEMPTON","startTime":807.25,"endTime":810.13,"body":"platforms, work comp"},{"speaker":"CASEY KEMPTON","startTime":807.25,"endTime":810.13,"body":"claims, coding platforms"},{"speaker":"CASEY KEMPTON","startTime":810.13,"endTime":811.9,"body":"to improve the process."},{"speaker":"CASEY KEMPTON","startTime":811.9,"endTime":814.126,"body":"My official title was--"},{"speaker":"CASEY KEMPTON","startTime":814.126,"endTime":818.72,"body":"it was Product Development"},{"speaker":"CASEY KEMPTON","startTime":814.126,"endTime":818.72,"body":"For Non-Indemnity Products."},{"speaker":"CASEY KEMPTON","startTime":818.72,"endTime":821.02,"body":"So I worked in a lot"},{"speaker":"CASEY KEMPTON","startTime":818.72,"endTime":821.02,"body":"of services that we"},{"speaker":"CASEY KEMPTON","startTime":821.02,"endTime":823.12,"body":"could attach to our"},{"speaker":"CASEY KEMPTON","startTime":821.02,"endTime":823.12,"body":"products for policyholders"},{"speaker":"CASEY KEMPTON","startTime":823.12,"endTime":825.35,"body":"for both homeowners"},{"speaker":"CASEY KEMPTON","startTime":823.12,"endTime":825.35,"body":"and small business."},{"speaker":"CASEY KEMPTON","startTime":825.35,"endTime":828.89,"body":"I found myself at a national"},{"speaker":"CASEY KEMPTON","startTime":825.35,"endTime":828.89,"body":"security convention meeting"},{"speaker":"CASEY KEMPTON","startTime":828.89,"endTime":831.8,"body":"with folks like ADT and"},{"speaker":"CASEY KEMPTON","startTime":828.89,"endTime":831.8,"body":"some of the other giants."},{"speaker":"CASEY KEMPTON","startTime":831.8,"endTime":834.11,"body":"First time I ever went"},{"speaker":"CASEY KEMPTON","startTime":831.8,"endTime":834.11,"body":"to a convention in Vegas,"},{"speaker":"CASEY KEMPTON","startTime":834.11,"endTime":837.62,"body":"and looking to see how we could"},{"speaker":"CASEY KEMPTON","startTime":834.11,"endTime":837.62,"body":"kind of round out that offer."},{"speaker":"CASEY KEMPTON","startTime":837.62,"endTime":838.7,"body":"It was a great time."},{"speaker":"CASEY KEMPTON","startTime":838.7,"endTime":840.95,"body":"It was really"},{"speaker":"CASEY KEMPTON","startTime":838.7,"endTime":840.95,"body":"exciting because I got"},{"speaker":"CASEY KEMPTON","startTime":840.95,"endTime":844.7,"body":"to learn the whole insurance"},{"speaker":"CASEY KEMPTON","startTime":840.95,"endTime":844.7,"body":"proposition for customers,"},{"speaker":"CASEY KEMPTON","startTime":844.7,"endTime":846.2,"body":"because that was"},{"speaker":"CASEY KEMPTON","startTime":844.7,"endTime":846.2,"body":"really my focus is,"},{"speaker":"CASEY KEMPTON","startTime":846.2,"endTime":847.79,"body":"how do we improve customers?"},{"speaker":"CASEY KEMPTON","startTime":847.79,"endTime":850.7,"body":"But also really focused on"},{"speaker":"CASEY KEMPTON","startTime":847.79,"endTime":850.7,"body":"distribution and the tools"},{"speaker":"CASEY KEMPTON","startTime":850.7,"endTime":854.09,"body":"and technology that you could"},{"speaker":"CASEY KEMPTON","startTime":850.7,"endTime":854.09,"body":"offer distribution right"},{"speaker":"CASEY KEMPTON","startTime":854.09,"endTime":858.35,"body":"at that time when we'd flipped"},{"speaker":"CASEY KEMPTON","startTime":854.09,"endTime":858.35,"body":"from green screens to websites,"},{"speaker":"CASEY KEMPTON","startTime":858.35,"endTime":861.56,"body":"but we're still screen"},{"speaker":"CASEY KEMPTON","startTime":858.35,"endTime":861.56,"body":"scraping the backend platforms"},{"speaker":"CASEY KEMPTON","startTime":861.56,"endTime":863.61,"body":"in a lot of different ways."},{"speaker":"CASEY KEMPTON","startTime":863.61,"endTime":866.03,"body":"So I've got actually"},{"speaker":"CASEY KEMPTON","startTime":863.61,"endTime":866.03,"body":"three patents in my name."},{"speaker":"CASEY KEMPTON","startTime":866.03,"endTime":870.35,"body":"We invented some stuff, which"},{"speaker":"CASEY KEMPTON","startTime":866.03,"endTime":870.35,"body":"still hasn't come to market."},{"speaker":"CASEY KEMPTON","startTime":870.35,"endTime":871.91,"body":"It will, I have no doubt."},{"speaker":"CASEY KEMPTON","startTime":871.91,"endTime":874.85,"body":"But it required network"},{"speaker":"CASEY KEMPTON","startTime":871.91,"endTime":874.85,"body":"bandwidth connectivity"},{"speaker":"CASEY KEMPTON","startTime":874.85,"endTime":878.15,"body":"that hasn't even come"},{"speaker":"CASEY KEMPTON","startTime":874.85,"endTime":878.15,"body":"to fruition in the way"},{"speaker":"CASEY KEMPTON","startTime":878.15,"endTime":881.9,"body":"that this type of invention"},{"speaker":"CASEY KEMPTON","startTime":878.15,"endTime":881.9,"body":"could make possible"},{"speaker":"CASEY KEMPTON","startTime":881.9,"endTime":884.175,"body":"for real-time underwriting."},{"speaker":"REID HOLZWORTH","startTime":884.175,"endTime":885.3,"body":"No kidding."},{"speaker":"REID HOLZWORTH","startTime":885.3,"endTime":885.84,"body":"Really?"},{"speaker":"REID HOLZWORTH","startTime":885.84,"endTime":887.85,"body":"So you think it's"},{"speaker":"REID HOLZWORTH","startTime":885.84,"endTime":887.85,"body":"still going to happen?"},{"speaker":"CASEY KEMPTON","startTime":887.85,"endTime":890.16,"body":"Oh, 100%."},{"speaker":"REID HOLZWORTH","startTime":890.16,"endTime":891.84,"body":"That's so awesome."},{"speaker":"REID HOLZWORTH","startTime":891.84,"endTime":893.64,"body":"That's awesome."},{"speaker":"REID HOLZWORTH","startTime":893.64,"endTime":895.17,"body":"So keep going."},{"speaker":"REID HOLZWORTH","startTime":895.17,"endTime":896.7,"body":"So how long were"},{"speaker":"REID HOLZWORTH","startTime":895.17,"endTime":896.7,"body":"you at Hartford?"},{"speaker":"REID HOLZWORTH","startTime":896.7,"endTime":897.73,"body":"Keep going."},{"speaker":"CASEY KEMPTON","startTime":897.73,"endTime":898.772,"body":"Of course."},{"speaker":"CASEY KEMPTON","startTime":898.772,"endTime":900.66,"body":"So I worked with that unit for--"},{"speaker":"CASEY KEMPTON","startTime":900.66,"endTime":902.92,"body":"oh, probably two years, I guess."},{"speaker":"CASEY KEMPTON","startTime":902.92,"endTime":906.33,"body":"And then we had been taken"},{"speaker":"CASEY KEMPTON","startTime":902.92,"endTime":906.33,"body":"over by a new leader."},{"speaker":"CASEY KEMPTON","startTime":906.33,"endTime":908.55,"body":"And the president of"},{"speaker":"CASEY KEMPTON","startTime":906.33,"endTime":908.55,"body":"the company at that time"},{"speaker":"CASEY KEMPTON","startTime":908.55,"endTime":911.88,"body":"had a big vision for how we"},{"speaker":"CASEY KEMPTON","startTime":908.55,"endTime":911.88,"body":"could double the book value"},{"speaker":"CASEY KEMPTON","startTime":911.88,"endTime":913.59,"body":"of the company in five years."},{"speaker":"CASEY KEMPTON","startTime":913.59,"endTime":917.37,"body":"And I was brought out of that"},{"speaker":"CASEY KEMPTON","startTime":913.59,"endTime":917.37,"body":"role and into a strategy role."},{"speaker":"CASEY KEMPTON","startTime":917.37,"endTime":919.68,"body":"And in this strategy role,"},{"speaker":"CASEY KEMPTON","startTime":917.37,"endTime":919.68,"body":"I had the opportunity"},{"speaker":"CASEY KEMPTON","startTime":919.68,"endTime":922.54,"body":"to work with many of the"},{"speaker":"CASEY KEMPTON","startTime":919.68,"endTime":922.54,"body":"senior executives who"},{"speaker":"CASEY KEMPTON","startTime":922.54,"endTime":925.8,"body":"were driving our businesses"},{"speaker":"CASEY KEMPTON","startTime":922.54,"endTime":925.8,"body":"or driving functional areas"},{"speaker":"CASEY KEMPTON","startTime":925.8,"endTime":928.95,"body":"and help them evaluate"},{"speaker":"CASEY KEMPTON","startTime":925.8,"endTime":928.95,"body":"the current state of how"},{"speaker":"CASEY KEMPTON","startTime":928.95,"endTime":932.46,"body":"we operate, what our plans are,"},{"speaker":"CASEY KEMPTON","startTime":928.95,"endTime":932.46,"body":"our growth efficiency plans"},{"speaker":"CASEY KEMPTON","startTime":932.46,"endTime":935.605,"body":"for the future, and what"},{"speaker":"CASEY KEMPTON","startTime":932.46,"endTime":935.605,"body":"we needed to change."},{"speaker":"CASEY KEMPTON","startTime":935.605,"endTime":937.23,"body":"So a bit of like"},{"speaker":"CASEY KEMPTON","startTime":935.605,"endTime":937.23,"body":"target operating model"},{"speaker":"CASEY KEMPTON","startTime":937.23,"endTime":940.5,"body":"work and how we evolve, how"},{"speaker":"CASEY KEMPTON","startTime":937.23,"endTime":940.5,"body":"technology plays into that."},{"speaker":"CASEY KEMPTON","startTime":940.5,"endTime":944.86,"body":"And I was fortunate to get"},{"speaker":"CASEY KEMPTON","startTime":940.5,"endTime":944.86,"body":"involved with a distribution"},{"speaker":"CASEY KEMPTON","startTime":944.86,"endTime":947.29,"body":"strategy where I"},{"speaker":"CASEY KEMPTON","startTime":944.86,"endTime":947.29,"body":"really got to dive"},{"speaker":"CASEY KEMPTON","startTime":947.29,"endTime":950.65,"body":"deep into who"},{"speaker":"CASEY KEMPTON","startTime":947.29,"endTime":950.65,"body":"independent agents are."},{"speaker":"CASEY KEMPTON","startTime":950.65,"endTime":951.73,"body":"What comprises them?"},{"speaker":"CASEY KEMPTON","startTime":951.73,"endTime":953.0,"body":"What's important to them?"},{"speaker":"CASEY KEMPTON","startTime":953.0,"endTime":955.33,"body":"How do they think about"},{"speaker":"CASEY KEMPTON","startTime":953.0,"endTime":955.33,"body":"carrier relationships?"},{"speaker":"CASEY KEMPTON","startTime":955.33,"endTime":957.73,"body":"And how do carriers"},{"speaker":"CASEY KEMPTON","startTime":955.33,"endTime":957.73,"body":"enable them to be"},{"speaker":"CASEY KEMPTON","startTime":957.73,"endTime":959.47,"body":"successful in"},{"speaker":"CASEY KEMPTON","startTime":957.73,"endTime":959.47,"body":"their partnerships?"},{"speaker":"CASEY KEMPTON","startTime":959.47,"endTime":963.91,"body":"So like most things, you know,"},{"speaker":"CASEY KEMPTON","startTime":959.47,"endTime":963.91,"body":"I'm a student of the areas"},{"speaker":"CASEY KEMPTON","startTime":963.91,"endTime":965.36,"body":"that I get connected with."},{"speaker":"CASEY KEMPTON","startTime":965.36,"endTime":970.15,"body":"And I just went all in building"},{"speaker":"CASEY KEMPTON","startTime":965.36,"endTime":970.15,"body":"strategy for The Hartford"},{"speaker":"CASEY KEMPTON","startTime":970.15,"endTime":974.403,"body":"at the time on how we could"},{"speaker":"CASEY KEMPTON","startTime":970.15,"endTime":974.403,"body":"expand our distribution plan."},{"speaker":"REID HOLZWORTH","startTime":974.403,"endTime":975.82,"body":"That's so awesome."},{"speaker":"CASEY KEMPTON","startTime":975.82,"endTime":976.25,"body":"Yeah."},{"speaker":"CASEY KEMPTON","startTime":976.25,"endTime":978.5,"body":"I did that for a bunch of"},{"speaker":"CASEY KEMPTON","startTime":976.25,"endTime":978.5,"body":"years and then moved on"},{"speaker":"CASEY KEMPTON","startTime":978.5,"endTime":982.79,"body":"to a technology-- a"},{"speaker":"CASEY KEMPTON","startTime":978.5,"endTime":982.79,"body":"business technology role."},{"speaker":"CASEY KEMPTON","startTime":982.79,"endTime":984.95,"body":"So it was the first"},{"speaker":"CASEY KEMPTON","startTime":982.79,"endTime":984.95,"body":"time that the company"},{"speaker":"CASEY KEMPTON","startTime":984.95,"endTime":988.67,"body":"wanted to evolve how"},{"speaker":"CASEY KEMPTON","startTime":984.95,"endTime":988.67,"body":"project execution occurred"},{"speaker":"CASEY KEMPTON","startTime":988.67,"endTime":991.31,"body":"from a carrier standpoint"},{"speaker":"CASEY KEMPTON","startTime":988.67,"endTime":991.31,"body":"and do a better"},{"speaker":"CASEY KEMPTON","startTime":991.31,"endTime":995.36,"body":"job at estimating upfront,"},{"speaker":"CASEY KEMPTON","startTime":991.31,"endTime":995.36,"body":"finalizing requirements."},{"speaker":"CASEY KEMPTON","startTime":995.36,"endTime":998.75,"body":"I was put on a project that"},{"speaker":"CASEY KEMPTON","startTime":995.36,"endTime":998.75,"body":"we called New Business Vision,"},{"speaker":"CASEY KEMPTON","startTime":998.75,"endTime":1004.6,"body":"and it was to revamp the"},{"speaker":"CASEY KEMPTON","startTime":998.75,"endTime":1004.6,"body":"entire carrier platform, agent"},{"speaker":"CASEY KEMPTON","startTime":1004.6,"endTime":1007.09,"body":"platform that they delivered"},{"speaker":"CASEY KEMPTON","startTime":1004.6,"endTime":1007.09,"body":"for small business."},{"speaker":"CASEY KEMPTON","startTime":1007.09,"endTime":1012.16,"body":"And that was an intense"},{"speaker":"CASEY KEMPTON","startTime":1007.09,"endTime":1012.16,"body":"study of what matters most"},{"speaker":"CASEY KEMPTON","startTime":1012.16,"endTime":1014.74,"body":"to agents with regard"},{"speaker":"CASEY KEMPTON","startTime":1012.16,"endTime":1014.74,"body":"to how they place"},{"speaker":"CASEY KEMPTON","startTime":1014.74,"endTime":1016.0,"body":"new business with carriers."},{"speaker":"CASEY KEMPTON","startTime":1016.0,"endTime":1018.37,"body":"And how do you deliver"},{"speaker":"CASEY KEMPTON","startTime":1016.0,"endTime":1018.37,"body":"a platform and system"},{"speaker":"CASEY KEMPTON","startTime":1018.37,"endTime":1021.41,"body":"that is future-proof?"},{"speaker":"CASEY KEMPTON","startTime":1021.41,"endTime":1024.13,"body":"So I did that for"},{"speaker":"CASEY KEMPTON","startTime":1021.41,"endTime":1024.13,"body":"about three years"},{"speaker":"CASEY KEMPTON","startTime":1024.13,"endTime":1028.69,"body":"and went on to run an agency"},{"speaker":"CASEY KEMPTON","startTime":1024.13,"endTime":1028.69,"body":"that The Hartford owned,"},{"speaker":"CASEY KEMPTON","startTime":1028.69,"endTime":1030.49,"body":"the Nutmeg Insurance Agency."},{"speaker":"CASEY KEMPTON","startTime":1030.49,"endTime":1033.829,"body":"And it was a great run."},{"speaker":"CASEY KEMPTON","startTime":1033.829,"endTime":1034.81,"body":"I loved working there."},{"speaker":"CASEY KEMPTON","startTime":1034.81,"endTime":1037.75,"body":"Had a great time, and was"},{"speaker":"CASEY KEMPTON","startTime":1034.81,"endTime":1037.75,"body":"offered an opportunity"},{"speaker":"CASEY KEMPTON","startTime":1037.75,"endTime":1039.38,"body":"to work internationally."},{"speaker":"CASEY KEMPTON","startTime":1039.38,"endTime":1041.72,"body":"So with that, I joined--"},{"speaker":"REID HOLZWORTH","startTime":1041.72,"endTime":1043.72,"body":"What was"},{"speaker":"REID HOLZWORTH","startTime":1041.72,"endTime":1043.72,"body":"the name of the agency?"},{"speaker":"REID HOLZWORTH","startTime":1043.72,"endTime":1044.829,"body":"What did you do at the agency?"},{"speaker":"REID HOLZWORTH","startTime":1044.829,"endTime":1045.64,"body":"Back up a little bit."},{"speaker":"CASEY KEMPTON","startTime":1045.64,"endTime":1047.432,"body":"The"},{"speaker":"CASEY KEMPTON","startTime":1045.64,"endTime":1047.432,"body":"Nutmeg Insurance Agency."},{"speaker":"CASEY KEMPTON","startTime":1047.432,"endTime":1050.14,"body":"It was an agency that"},{"speaker":"CASEY KEMPTON","startTime":1047.432,"endTime":1050.14,"body":"the carrier owned."},{"speaker":"CASEY KEMPTON","startTime":1050.14,"endTime":1054.07,"body":"And we would place"},{"speaker":"CASEY KEMPTON","startTime":1050.14,"endTime":1054.07,"body":"risks that were lines"},{"speaker":"CASEY KEMPTON","startTime":1054.07,"endTime":1056.488,"body":"that we didn't write"},{"speaker":"CASEY KEMPTON","startTime":1054.07,"endTime":1056.488,"body":"that would normally go"},{"speaker":"CASEY KEMPTON","startTime":1056.488,"endTime":1058.03,"body":"[INAUDIBLE] so an"},{"speaker":"CASEY KEMPTON","startTime":1056.488,"endTime":1058.03,"body":"agent wouldn't have"},{"speaker":"CASEY KEMPTON","startTime":1058.03,"endTime":1060.37,"body":"to work with another entity."},{"speaker":"CASEY KEMPTON","startTime":1060.37,"endTime":1062.39,"body":"Things like vacant buildings."},{"speaker":"CASEY KEMPTON","startTime":1062.39,"endTime":1064.48,"body":"And so we had agency"},{"speaker":"CASEY KEMPTON","startTime":1062.39,"endTime":1064.48,"body":"staff who would"},{"speaker":"CASEY KEMPTON","startTime":1064.48,"endTime":1068.35,"body":"quote direct with other"},{"speaker":"CASEY KEMPTON","startTime":1064.48,"endTime":1068.35,"body":"markets at the time."},{"speaker":"CASEY KEMPTON","startTime":1068.35,"endTime":1070.81,"body":"And then they were able"},{"speaker":"CASEY KEMPTON","startTime":1068.35,"endTime":1070.81,"body":"to bring that all together"},{"speaker":"CASEY KEMPTON","startTime":1070.81,"endTime":1073.928,"body":"in a very cohesive way"},{"speaker":"CASEY KEMPTON","startTime":1070.81,"endTime":1073.928,"body":"for their policyholders."},{"speaker":"REID HOLZWORTH","startTime":1073.928,"endTime":1075.22,"body":"That's awesome."},{"speaker":"REID HOLZWORTH","startTime":1075.22,"endTime":1075.55,"body":"All right."},{"speaker":"REID HOLZWORTH","startTime":1075.55,"endTime":1075.79,"body":"Sorry."},{"speaker":"REID HOLZWORTH","startTime":1075.79,"endTime":1076.33,"body":"Keep going."},{"speaker":"REID HOLZWORTH","startTime":1076.33,"endTime":1076.83,"body":"Keep going."},{"speaker":"REID HOLZWORTH","startTime":1076.83,"endTime":1077.413,"body":"This is great."},{"speaker":"CASEY KEMPTON","startTime":1077.413,"endTime":1078.247,"body":"Yeah."},{"speaker":"CASEY KEMPTON","startTime":1078.247,"endTime":1078.97,"body":"So I loved that."},{"speaker":"CASEY KEMPTON","startTime":1078.97,"endTime":1080.5,"body":"It was a phenomenal opportunity."},{"speaker":"CASEY KEMPTON","startTime":1080.5,"endTime":1084.64,"body":"But I was asked to consider a"},{"speaker":"CASEY KEMPTON","startTime":1080.5,"endTime":1084.64,"body":"role at a different company,"},{"speaker":"CASEY KEMPTON","startTime":1084.64,"endTime":1085.84,"body":"and that was ACE."},{"speaker":"CASEY KEMPTON","startTime":1085.84,"endTime":1089.59,"body":"And the role that I was"},{"speaker":"CASEY KEMPTON","startTime":1085.84,"endTime":1089.59,"body":"presented was international."},{"speaker":"CASEY KEMPTON","startTime":1089.59,"endTime":1093.52,"body":"And being the anthropologist,"},{"speaker":"CASEY KEMPTON","startTime":1089.59,"endTime":1093.52,"body":"it was very appealing to me"},{"speaker":"CASEY KEMPTON","startTime":1093.52,"endTime":1095.65,"body":"to have the opportunity"},{"speaker":"CASEY KEMPTON","startTime":1093.52,"endTime":1095.65,"body":"to take everything"},{"speaker":"CASEY KEMPTON","startTime":1095.65,"endTime":1098.35,"body":"I knew about insurance"},{"speaker":"CASEY KEMPTON","startTime":1095.65,"endTime":1098.35,"body":"after 10 years at that time"},{"speaker":"CASEY KEMPTON","startTime":1098.35,"endTime":1102.49,"body":"and experience how that plays"},{"speaker":"CASEY KEMPTON","startTime":1098.35,"endTime":1102.49,"body":"out in international markets."},{"speaker":"CASEY KEMPTON","startTime":1102.49,"endTime":1104.44,"body":"Just the comparison"},{"speaker":"CASEY KEMPTON","startTime":1102.49,"endTime":1104.44,"body":"and the contrast."},{"speaker":"CASEY KEMPTON","startTime":1104.44,"endTime":1105.88,"body":"So I joined--"},{"speaker":"CASEY KEMPTON","startTime":1105.88,"endTime":1109.33,"body":"I worked for the"},{"speaker":"CASEY KEMPTON","startTime":1105.88,"endTime":1109.33,"body":"division president"},{"speaker":"CASEY KEMPTON","startTime":1109.33,"endTime":1114.19,"body":"for two domestic lines for"},{"speaker":"CASEY KEMPTON","startTime":1109.33,"endTime":1114.19,"body":"wholesale commercial risk"},{"speaker":"CASEY KEMPTON","startTime":1114.19,"endTime":1114.7,"body":"services."},{"speaker":"CASEY KEMPTON","startTime":1114.7,"endTime":1117.25,"body":"And at the time, ACE's"},{"speaker":"CASEY KEMPTON","startTime":1114.7,"endTime":1117.25,"body":"private risk services"},{"speaker":"CASEY KEMPTON","startTime":1117.25,"endTime":1119.262,"body":"or high-net-worth"},{"speaker":"CASEY KEMPTON","startTime":1117.25,"endTime":1119.262,"body":"business, as well as"},{"speaker":"CASEY KEMPTON","startTime":1119.262,"endTime":1121.72,"body":"our international, personal,"},{"speaker":"CASEY KEMPTON","startTime":1119.262,"endTime":1121.72,"body":"and small commercial business."},{"speaker":"CASEY KEMPTON","startTime":1121.72,"endTime":1124.0,"body":"So I worked with his"},{"speaker":"CASEY KEMPTON","startTime":1121.72,"endTime":1124.0,"body":"division presidents"},{"speaker":"CASEY KEMPTON","startTime":1124.0,"endTime":1127.9,"body":"for each of those areas and"},{"speaker":"CASEY KEMPTON","startTime":1124.0,"endTime":1127.9,"body":"was responsible for technology"},{"speaker":"CASEY KEMPTON","startTime":1127.9,"endTime":1133.24,"body":"operations, strategy, and"},{"speaker":"CASEY KEMPTON","startTime":1127.9,"endTime":1133.24,"body":"our global e-business, which"},{"speaker":"CASEY KEMPTON","startTime":1133.24,"endTime":1135.64,"body":"is back then ace.com."},{"speaker":"CASEY KEMPTON","startTime":1135.64,"endTime":1140.8,"body":"And had not a big team, but"},{"speaker":"CASEY KEMPTON","startTime":1135.64,"endTime":1140.8,"body":"lots of huge initiatives"},{"speaker":"CASEY KEMPTON","startTime":1140.8,"endTime":1144.1,"body":"that we were running with"},{"speaker":"CASEY KEMPTON","startTime":1140.8,"endTime":1144.1,"body":"each of those divisions,"},{"speaker":"CASEY KEMPTON","startTime":1144.1,"endTime":1147.91,"body":"mostly around how we bring"},{"speaker":"CASEY KEMPTON","startTime":1144.1,"endTime":1147.91,"body":"technology into our value"},{"speaker":"CASEY KEMPTON","startTime":1147.91,"endTime":1151.9,"body":"proposition and most"},{"speaker":"CASEY KEMPTON","startTime":1147.91,"endTime":1151.9,"body":"effectively compete and deliver"},{"speaker":"CASEY KEMPTON","startTime":1151.9,"endTime":1155.29,"body":"the service and value that ACE"},{"speaker":"CASEY KEMPTON","startTime":1151.9,"endTime":1155.29,"body":"wanted to to our customers."},{"speaker":"CASEY KEMPTON","startTime":1155.29,"endTime":1158.2,"body":"The international side of"},{"speaker":"CASEY KEMPTON","startTime":1155.29,"endTime":1158.2,"body":"that was really great for me."},{"speaker":"CASEY KEMPTON","startTime":1158.2,"endTime":1160.12,"body":"I did a lot of work in Japan."},{"speaker":"CASEY KEMPTON","startTime":1160.12,"endTime":1163.78,"body":"I was able to do some product"},{"speaker":"CASEY KEMPTON","startTime":1160.12,"endTime":1163.78,"body":"development work with Lloyd's"},{"speaker":"CASEY KEMPTON","startTime":1163.78,"endTime":1167.5,"body":"of London, looking at,"},{"speaker":"CASEY KEMPTON","startTime":1163.78,"endTime":1167.5,"body":"again, new products"},{"speaker":"CASEY KEMPTON","startTime":1167.5,"endTime":1169.87,"body":"that we could launch"},{"speaker":"CASEY KEMPTON","startTime":1167.5,"endTime":1169.87,"body":"internationally."},{"speaker":"CASEY KEMPTON","startTime":1169.87,"endTime":1172.75,"body":"And tons of work across a lot"},{"speaker":"CASEY KEMPTON","startTime":1169.87,"endTime":1172.75,"body":"of products that I hadn't been"},{"speaker":"CASEY KEMPTON","startTime":1172.75,"endTime":1175.33,"body":"exposed to, so that got me"},{"speaker":"CASEY KEMPTON","startTime":1172.75,"endTime":1175.33,"body":"more into the specialty side--"},{"speaker":"CASEY KEMPTON","startTime":1175.33,"endTime":1177.91,"body":"the financial lines, the"},{"speaker":"CASEY KEMPTON","startTime":1175.33,"endTime":1177.91,"body":"management liability--"},{"speaker":"CASEY KEMPTON","startTime":1177.91,"endTime":1181.92,"body":"that I didn't do as much in"},{"speaker":"CASEY KEMPTON","startTime":1177.91,"endTime":1181.92,"body":"the prior role at The Hartford."},{"speaker":"CASEY KEMPTON","startTime":1181.92,"endTime":1183.35,"body":"So I did that for two years."},{"speaker":"CASEY KEMPTON","startTime":1183.35,"endTime":1188.42,"body":"And the company was making a"},{"speaker":"CASEY KEMPTON","startTime":1183.35,"endTime":1188.42,"body":"lot of strategic investments"},{"speaker":"CASEY KEMPTON","startTime":1188.42,"endTime":1191.03,"body":"in other markets, and I was"},{"speaker":"CASEY KEMPTON","startTime":1188.42,"endTime":1191.03,"body":"presented an opportunity"},{"speaker":"CASEY KEMPTON","startTime":1191.03,"endTime":1194.66,"body":"to run operations in IT"},{"speaker":"CASEY KEMPTON","startTime":1191.03,"endTime":1194.66,"body":"for the Latin America"},{"speaker":"CASEY KEMPTON","startTime":1194.66,"endTime":1197.06,"body":"region, which at the time for"},{"speaker":"CASEY KEMPTON","startTime":1194.66,"endTime":1197.06,"body":"ACE was about a $2 billion"},{"speaker":"CASEY KEMPTON","startTime":1197.06,"endTime":1197.78,"body":"region."},{"speaker":"CASEY KEMPTON","startTime":1197.78,"endTime":1201.17,"body":"I would come in as the"},{"speaker":"CASEY KEMPTON","startTime":1197.78,"endTime":1201.17,"body":"Regional Senior Vice President"},{"speaker":"CASEY KEMPTON","startTime":1201.17,"endTime":1202.58,"body":"for all of Ops and IT."},{"speaker":"CASEY KEMPTON","startTime":1202.58,"endTime":1206.25,"body":"And most of my focus there"},{"speaker":"CASEY KEMPTON","startTime":1202.58,"endTime":1206.25,"body":"was on acquisition integration"},{"speaker":"CASEY KEMPTON","startTime":1206.25,"endTime":1206.75,"body":"work."},{"speaker":"CASEY KEMPTON","startTime":1206.75,"endTime":1210.65,"body":"So a lot of due diligence"},{"speaker":"CASEY KEMPTON","startTime":1206.75,"endTime":1210.65,"body":"and really thinking through,"},{"speaker":"CASEY KEMPTON","startTime":1210.65,"endTime":1214.43,"body":"how can we take critical"},{"speaker":"CASEY KEMPTON","startTime":1210.65,"endTime":1214.43,"body":"assets and expand them"},{"speaker":"CASEY KEMPTON","startTime":1214.43,"endTime":1217.52,"body":"within the region and outside?"},{"speaker":"CASEY KEMPTON","startTime":1217.52,"endTime":1220.233,"body":"But that experience of watching"},{"speaker":"CASEY KEMPTON","startTime":1217.52,"endTime":1220.233,"body":"that insurance transaction,"},{"speaker":"CASEY KEMPTON","startTime":1220.233,"endTime":1222.65,"body":"whether it was personal lines,"},{"speaker":"CASEY KEMPTON","startTime":1220.233,"endTime":1222.65,"body":"high net worth, commercial,"},{"speaker":"CASEY KEMPTON","startTime":1222.65,"endTime":1226.19,"body":"large commercial,"},{"speaker":"CASEY KEMPTON","startTime":1222.65,"endTime":1226.19,"body":"small business in Asia,"},{"speaker":"CASEY KEMPTON","startTime":1226.19,"endTime":1230.93,"body":"in all of the countries of"},{"speaker":"CASEY KEMPTON","startTime":1226.19,"endTime":1230.93,"body":"Latin America just filled me up."},{"speaker":"CASEY KEMPTON","startTime":1230.93,"endTime":1234.08,"body":"In some ways, it was a"},{"speaker":"CASEY KEMPTON","startTime":1230.93,"endTime":1234.08,"body":"bit of a time warp, right?"},{"speaker":"CASEY KEMPTON","startTime":1234.08,"endTime":1237.32,"body":"Because not all of the"},{"speaker":"CASEY KEMPTON","startTime":1234.08,"endTime":1237.32,"body":"advancements around data"},{"speaker":"CASEY KEMPTON","startTime":1237.32,"endTime":1239.87,"body":"and the reporting"},{"speaker":"CASEY KEMPTON","startTime":1237.32,"endTime":1239.87,"body":"information that"},{"speaker":"CASEY KEMPTON","startTime":1239.87,"endTime":1242.7,"body":"we have in the US and some"},{"speaker":"CASEY KEMPTON","startTime":1239.87,"endTime":1242.7,"body":"of our more mature markets."},{"speaker":"CASEY KEMPTON","startTime":1242.7,"endTime":1244.65,"body":"But the way that"},{"speaker":"CASEY KEMPTON","startTime":1242.7,"endTime":1244.65,"body":"business gets done"},{"speaker":"CASEY KEMPTON","startTime":1244.65,"endTime":1246.81,"body":"and how technology"},{"speaker":"CASEY KEMPTON","startTime":1244.65,"endTime":1246.81,"body":"enables business"},{"speaker":"CASEY KEMPTON","startTime":1246.81,"endTime":1248.22,"body":"was really quite similar."},{"speaker":"CASEY KEMPTON","startTime":1248.22,"endTime":1250.35,"body":"And in some areas,"},{"speaker":"CASEY KEMPTON","startTime":1248.22,"endTime":1250.35,"body":"even more advanced"},{"speaker":"CASEY KEMPTON","startTime":1250.35,"endTime":1253.897,"body":"in terms of what agents could"},{"speaker":"CASEY KEMPTON","startTime":1250.35,"endTime":1253.897,"body":"get done with the carriers."},{"speaker":"REID HOLZWORTH","startTime":1253.897,"endTime":1256.23,"body":"I will add"},{"speaker":"REID HOLZWORTH","startTime":1253.897,"endTime":1256.23,"body":"that I was actually literally"},{"speaker":"REID HOLZWORTH","startTime":1256.23,"endTime":1259.17,"body":"on a call yesterday"},{"speaker":"REID HOLZWORTH","startTime":1256.23,"endTime":1259.17,"body":"with a big agency."},{"speaker":"REID HOLZWORTH","startTime":1259.17,"endTime":1261.24,"body":"They're doing a big"},{"speaker":"REID HOLZWORTH","startTime":1259.17,"endTime":1261.24,"body":"roll-up in Colombia"},{"speaker":"REID HOLZWORTH","startTime":1261.24,"endTime":1263.937,"body":"right now, private"},{"speaker":"REID HOLZWORTH","startTime":1261.24,"endTime":1263.937,"body":"equity-backed and whatnot."},{"speaker":"REID HOLZWORTH","startTime":1263.937,"endTime":1266.52,"body":"And they were talking about the"},{"speaker":"REID HOLZWORTH","startTime":1263.937,"endTime":1266.52,"body":"technology that they're using,"},{"speaker":"REID HOLZWORTH","startTime":1266.52,"endTime":1267.86,"body":"the carriers use today."},{"speaker":"REID HOLZWORTH","startTime":1267.86,"endTime":1270.36,"body":"But even the agencies and how"},{"speaker":"REID HOLZWORTH","startTime":1267.86,"endTime":1270.36,"body":"they're connected and whatnot,"},{"speaker":"REID HOLZWORTH","startTime":1270.36,"endTime":1275.52,"body":"it is still, just to be fair,"},{"speaker":"REID HOLZWORTH","startTime":1270.36,"endTime":1275.52,"body":"a bit archaic, even today,"},{"speaker":"REID HOLZWORTH","startTime":1275.52,"endTime":1276.29,"body":"and it's wild."},{"speaker":"REID HOLZWORTH","startTime":1276.29,"endTime":1278.79,"body":"And there's actually-- on the"},{"speaker":"REID HOLZWORTH","startTime":1276.29,"endTime":1278.79,"body":"agency management system side,"},{"speaker":"REID HOLZWORTH","startTime":1278.79,"endTime":1281.55,"body":"there's actually not a"},{"speaker":"REID HOLZWORTH","startTime":1278.79,"endTime":1281.55,"body":"core management system"},{"speaker":"REID HOLZWORTH","startTime":1281.55,"endTime":1285.27,"body":"overall within that country"},{"speaker":"REID HOLZWORTH","startTime":1281.55,"endTime":1285.27,"body":"that really dominates."},{"speaker":"REID HOLZWORTH","startTime":1285.27,"endTime":1286.45,"body":"It's really interesting."},{"speaker":"REID HOLZWORTH","startTime":1286.45,"endTime":1288.66,"body":"So still a lot--"},{"speaker":"REID HOLZWORTH","startTime":1286.45,"endTime":1288.66,"body":"ways to go there."},{"speaker":"CASEY KEMPTON","startTime":1288.66,"endTime":1290.76,"body":"Oh, definitely."},{"speaker":"CASEY KEMPTON","startTime":1290.76,"endTime":1293.37,"body":"From a feature"},{"speaker":"CASEY KEMPTON","startTime":1290.76,"endTime":1293.37,"body":"perspective, I think"},{"speaker":"CASEY KEMPTON","startTime":1293.37,"endTime":1296.77,"body":"what struck me is how"},{"speaker":"CASEY KEMPTON","startTime":1293.37,"endTime":1296.77,"body":"specifics to a market."},{"speaker":"CASEY KEMPTON","startTime":1296.77,"endTime":1299.85,"body":"So how agents and carriers"},{"speaker":"CASEY KEMPTON","startTime":1296.77,"endTime":1299.85,"body":"interact that we may not"},{"speaker":"CASEY KEMPTON","startTime":1299.85,"endTime":1302.73,"body":"have in the US, the"},{"speaker":"CASEY KEMPTON","startTime":1299.85,"endTime":1302.73,"body":"technology leans"},{"speaker":"CASEY KEMPTON","startTime":1302.73,"endTime":1304.41,"body":"into all of that to facilitate."},{"speaker":"CASEY KEMPTON","startTime":1304.41,"endTime":1307.02,"body":"So you might have requests"},{"speaker":"CASEY KEMPTON","startTime":1304.41,"endTime":1307.02,"body":"for specific commissions"},{"speaker":"CASEY KEMPTON","startTime":1307.02,"endTime":1310.32,"body":"in certain markets, or you may"},{"speaker":"CASEY KEMPTON","startTime":1307.02,"endTime":1310.32,"body":"be selling insurance policies"},{"speaker":"CASEY KEMPTON","startTime":1310.32,"endTime":1312.54,"body":"through different types"},{"speaker":"CASEY KEMPTON","startTime":1310.32,"endTime":1312.54,"body":"of intermediaries."},{"speaker":"CASEY KEMPTON","startTime":1312.54,"endTime":1314.82,"body":"And they're more group"},{"speaker":"CASEY KEMPTON","startTime":1312.54,"endTime":1314.82,"body":"policies, and you're"},{"speaker":"CASEY KEMPTON","startTime":1314.82,"endTime":1315.99,"body":"issuing certificates."},{"speaker":"CASEY KEMPTON","startTime":1315.99,"endTime":1318.21,"body":"And all the technology"},{"speaker":"CASEY KEMPTON","startTime":1315.99,"endTime":1318.21,"body":"and process that"},{"speaker":"CASEY KEMPTON","startTime":1318.21,"endTime":1323.13,"body":"facilitates that, it"},{"speaker":"CASEY KEMPTON","startTime":1318.21,"endTime":1323.13,"body":"was very eye-opening."},{"speaker":"CASEY KEMPTON","startTime":1323.13,"endTime":1324.27,"body":"It was an incredible study."},{"speaker":"CASEY KEMPTON","startTime":1324.27,"endTime":1326.04,"body":"I loved living in"},{"speaker":"CASEY KEMPTON","startTime":1324.27,"endTime":1326.04,"body":"Santiago, Chile."},{"speaker":"CASEY KEMPTON","startTime":1326.04,"endTime":1328.56,"body":"I had the opportunity to"},{"speaker":"CASEY KEMPTON","startTime":1326.04,"endTime":1328.56,"body":"travel all over the region."},{"speaker":"CASEY KEMPTON","startTime":1328.56,"endTime":1332.01,"body":"So I spent a lot of my"},{"speaker":"CASEY KEMPTON","startTime":1328.56,"endTime":1332.01,"body":"time in Monterrey, Mexico,"},{"speaker":"CASEY KEMPTON","startTime":1332.01,"endTime":1335.79,"body":"in Colombia, a little"},{"speaker":"CASEY KEMPTON","startTime":1332.01,"endTime":1335.79,"body":"bit in Ecuador."},{"speaker":"CASEY KEMPTON","startTime":1335.79,"endTime":1338.79,"body":"And most of my technology"},{"speaker":"CASEY KEMPTON","startTime":1335.79,"endTime":1338.79,"body":"team was either"},{"speaker":"CASEY KEMPTON","startTime":1338.79,"endTime":1340.17,"body":"in Colombia or Miami."},{"speaker":"CASEY KEMPTON","startTime":1340.17,"endTime":1344.1,"body":"So lots of travel during that"},{"speaker":"CASEY KEMPTON","startTime":1340.17,"endTime":1344.1,"body":"time, but time very well spent."},{"speaker":"CASEY KEMPTON","startTime":1344.1,"endTime":1347.22,"body":"And I'm fluent in Spanish, and"},{"speaker":"CASEY KEMPTON","startTime":1344.1,"endTime":1347.22,"body":"I had a great time learning how"},{"speaker":"CASEY KEMPTON","startTime":1347.22,"endTime":1349.51,"body":"to speak insurance in Spanish."},{"speaker":"CASEY KEMPTON","startTime":1349.51,"endTime":1353.34,"body":"And I think I was going"},{"speaker":"CASEY KEMPTON","startTime":1349.51,"endTime":1353.34,"body":"to Sao Paulo, Brazil,"},{"speaker":"CASEY KEMPTON","startTime":1353.34,"endTime":1356.2,"body":"23 times in 24 months."},{"speaker":"CASEY KEMPTON","startTime":1356.2,"endTime":1361.26,"body":"So I actually speak Brazilian"},{"speaker":"CASEY KEMPTON","startTime":1356.2,"endTime":1361.26,"body":"Portuguese insurance."},{"speaker":"CASEY KEMPTON","startTime":1361.26,"endTime":1364.11,"body":"I know all the insurance"},{"speaker":"CASEY KEMPTON","startTime":1361.26,"endTime":1364.11,"body":"words and can get"},{"speaker":"CASEY KEMPTON","startTime":1364.11,"endTime":1366.27,"body":"by speaking Spanish in Brazil."},{"speaker":"REID HOLZWORTH","startTime":1366.27,"endTime":1368.94,"body":"[LAUGHS] That's amazing."},{"speaker":"REID HOLZWORTH","startTime":1368.94,"endTime":1371.97,"body":"I feel like you may know other"},{"speaker":"REID HOLZWORTH","startTime":1368.94,"endTime":1371.97,"body":"languages as well, Casey."},{"speaker":"REID HOLZWORTH","startTime":1371.97,"endTime":1372.75,"body":"I mean, come on."},{"speaker":"REID HOLZWORTH","startTime":1372.75,"endTime":1375.12,"body":"[LAUGHS]"},{"speaker":"CASEY KEMPTON","startTime":1375.12,"endTime":1377.49,"body":"It"},{"speaker":"CASEY KEMPTON","startTime":1375.12,"endTime":1377.49,"body":"was a fun time."},{"speaker":"REID HOLZWORTH","startTime":1377.49,"endTime":1378.78,"body":"That is wild."},{"speaker":"REID HOLZWORTH","startTime":1378.78,"endTime":1379.62,"body":"So then what?"},{"speaker":"REID HOLZWORTH","startTime":1379.62,"endTime":1381.65,"body":"So then what happened?"},{"speaker":"CASEY KEMPTON","startTime":1381.65,"endTime":1384.0,"body":"I was"},{"speaker":"CASEY KEMPTON","startTime":1381.65,"endTime":1384.0,"body":"at a point in my career"},{"speaker":"CASEY KEMPTON","startTime":1384.0,"endTime":1387.9,"body":"and in my personal life that"},{"speaker":"CASEY KEMPTON","startTime":1384.0,"endTime":1387.9,"body":"sort of collided in a way"},{"speaker":"CASEY KEMPTON","startTime":1387.9,"endTime":1391.29,"body":"that I took a different"},{"speaker":"CASEY KEMPTON","startTime":1387.9,"endTime":1391.29,"body":"position at another company."},{"speaker":"CASEY KEMPTON","startTime":1391.29,"endTime":1393.78,"body":"I went back to The Hartford."},{"speaker":"CASEY KEMPTON","startTime":1393.78,"endTime":1397.14,"body":"And the role that I"},{"speaker":"CASEY KEMPTON","startTime":1393.78,"endTime":1397.14,"body":"assumed was now more"},{"speaker":"CASEY KEMPTON","startTime":1397.14,"endTime":1401.64,"body":"on the P\u0026L side of the"},{"speaker":"CASEY KEMPTON","startTime":1397.14,"endTime":1401.64,"body":"equation, out of operations, out"},{"speaker":"CASEY KEMPTON","startTime":1401.64,"endTime":1403.83,"body":"of technology, out"},{"speaker":"CASEY KEMPTON","startTime":1401.64,"endTime":1403.83,"body":"of project work."},{"speaker":"CASEY KEMPTON","startTime":1403.83,"endTime":1405.24,"body":"And I took on--"},{"speaker":"CASEY KEMPTON","startTime":1405.24,"endTime":1408.42,"body":"for their mass market"},{"speaker":"CASEY KEMPTON","startTime":1405.24,"endTime":1408.42,"body":"personal lines offering,"},{"speaker":"CASEY KEMPTON","startTime":1408.42,"endTime":1411.78,"body":"Hartford distributes its product"},{"speaker":"CASEY KEMPTON","startTime":1408.42,"endTime":1411.78,"body":"through affinity partnership,"},{"speaker":"CASEY KEMPTON","startTime":1411.78,"endTime":1413.4,"body":"a very large"},{"speaker":"CASEY KEMPTON","startTime":1411.78,"endTime":1413.4,"body":"affinity partnership,"},{"speaker":"CASEY KEMPTON","startTime":1413.4,"endTime":1415.03,"body":"as well as through"},{"speaker":"CASEY KEMPTON","startTime":1413.4,"endTime":1415.03,"body":"independent agents."},{"speaker":"CASEY KEMPTON","startTime":1415.03,"endTime":1418.41,"body":"So I took on the"},{"speaker":"CASEY KEMPTON","startTime":1415.03,"endTime":1418.41,"body":"independent agency business,"},{"speaker":"CASEY KEMPTON","startTime":1418.41,"endTime":1420.57,"body":"as it were, kind of"},{"speaker":"CASEY KEMPTON","startTime":1418.41,"endTime":1420.57,"body":"end to end, and how"},{"speaker":"CASEY KEMPTON","startTime":1420.57,"endTime":1424.14,"body":"we improve value proposition,"},{"speaker":"CASEY KEMPTON","startTime":1420.57,"endTime":1424.14,"body":"lean into agency partnerships,"},{"speaker":"CASEY KEMPTON","startTime":1424.14,"endTime":1427.67,"body":"and bring the best products"},{"speaker":"CASEY KEMPTON","startTime":1424.14,"endTime":1427.67,"body":"that we offer to market."},{"speaker":"CASEY KEMPTON","startTime":1427.67,"endTime":1429.6,"body":"Worked out great"},{"speaker":"CASEY KEMPTON","startTime":1427.67,"endTime":1429.6,"body":"for me family-wise."},{"speaker":"CASEY KEMPTON","startTime":1429.6,"endTime":1433.29,"body":"I had just had my third"},{"speaker":"CASEY KEMPTON","startTime":1429.6,"endTime":1433.29,"body":"child, and the travel"},{"speaker":"CASEY KEMPTON","startTime":1433.29,"endTime":1435.27,"body":"was getting to be a lot."},{"speaker":"CASEY KEMPTON","startTime":1435.27,"endTime":1437.37,"body":"I have two older children"},{"speaker":"CASEY KEMPTON","startTime":1435.27,"endTime":1437.37,"body":"and the little one,"},{"speaker":"CASEY KEMPTON","startTime":1437.37,"endTime":1440.55,"body":"and so it was great to go"},{"speaker":"CASEY KEMPTON","startTime":1437.37,"endTime":1440.55,"body":"back home to Connecticut"},{"speaker":"CASEY KEMPTON","startTime":1440.55,"endTime":1444.21,"body":"and have that time and"},{"speaker":"CASEY KEMPTON","startTime":1440.55,"endTime":1444.21,"body":"take on this pretty"},{"speaker":"CASEY KEMPTON","startTime":1444.21,"endTime":1447.54,"body":"meaningful opportunity for"},{"speaker":"CASEY KEMPTON","startTime":1444.21,"endTime":1447.54,"body":"me at that time in my career."},{"speaker":"CASEY KEMPTON","startTime":1447.54,"endTime":1449.91,"body":"I was very happy to do that."},{"speaker":"CASEY KEMPTON","startTime":1449.91,"endTime":1451.15,"body":"I stayed there for two years."},{"speaker":"CASEY KEMPTON","startTime":1451.15,"endTime":1451.69,"body":"I loved it."},{"speaker":"CASEY KEMPTON","startTime":1451.69,"endTime":1452.44,"body":"It was great work."},{"speaker":"CASEY KEMPTON","startTime":1452.44,"endTime":1455.28,"body":"It was all working with agents,"},{"speaker":"CASEY KEMPTON","startTime":1452.44,"endTime":1455.28,"body":"all trying to solve problems."},{"speaker":"CASEY KEMPTON","startTime":1455.28,"endTime":1461.64,"body":"And was asked to come back to"},{"speaker":"CASEY KEMPTON","startTime":1455.28,"endTime":1461.64,"body":"Chubb about two years later."},{"speaker":"CASEY KEMPTON","startTime":1461.64,"endTime":1464.85,"body":"And it just was the"},{"speaker":"CASEY KEMPTON","startTime":1461.64,"endTime":1464.85,"body":"right opportunity."},{"speaker":"CASEY KEMPTON","startTime":1464.85,"endTime":1468.3,"body":"It's the job that I have been"},{"speaker":"CASEY KEMPTON","startTime":1464.85,"endTime":1468.3,"body":"in for the last seven years"},{"speaker":"CASEY KEMPTON","startTime":1468.3,"endTime":1472.83,"body":"until very recently, and"},{"speaker":"CASEY KEMPTON","startTime":1468.3,"endTime":1472.83,"body":"it just was an opportunity"},{"speaker":"CASEY KEMPTON","startTime":1472.83,"endTime":1474.03,"body":"that I couldn't resist."},{"speaker":"CASEY KEMPTON","startTime":1474.03,"endTime":1477.03,"body":"So I call myself a"},{"speaker":"CASEY KEMPTON","startTime":1474.03,"endTime":1477.03,"body":"double boomerang."},{"speaker":"REID HOLZWORTH","startTime":1477.03,"endTime":1478.89,"body":"[LAUGHS]"},{"speaker":"CASEY KEMPTON","startTime":1478.89,"endTime":1481.88,"body":"Record to"},{"speaker":"CASEY KEMPTON","startTime":1478.89,"endTime":1481.88,"body":"ACE to Hartford to Chubb,"},{"speaker":"CASEY KEMPTON","startTime":1481.88,"endTime":1486.57,"body":"so that's where I"},{"speaker":"CASEY KEMPTON","startTime":1481.88,"endTime":1486.57,"body":"find myself now."},{"speaker":"REID HOLZWORTH","startTime":1486.57,"endTime":1488.87,"body":"So tell us"},{"speaker":"REID HOLZWORTH","startTime":1486.57,"endTime":1488.87,"body":"about your position now--"},{"speaker":"REID HOLZWORTH","startTime":1488.87,"endTime":1491.692,"body":"or the position for the past"},{"speaker":"REID HOLZWORTH","startTime":1488.87,"endTime":1491.692,"body":"seven years, and then the now."},{"speaker":"CASEY KEMPTON","startTime":1491.692,"endTime":1494.15,"body":"I think actually,"},{"speaker":"CASEY KEMPTON","startTime":1491.692,"endTime":1494.15,"body":"I might be extending that."},{"speaker":"CASEY KEMPTON","startTime":1494.15,"endTime":1496.55,"body":"It's probably over"},{"speaker":"CASEY KEMPTON","startTime":1494.15,"endTime":1496.55,"body":"six, not quite seven."},{"speaker":"CASEY KEMPTON","startTime":1496.55,"endTime":1498.5,"body":"So I won't push the"},{"speaker":"CASEY KEMPTON","startTime":1496.55,"endTime":1498.5,"body":"envelope on that."},{"speaker":"CASEY KEMPTON","startTime":1498.5,"endTime":1502.04,"body":"I joined at a time"},{"speaker":"CASEY KEMPTON","startTime":1498.5,"endTime":1502.04,"body":"when Chubb was"},{"speaker":"CASEY KEMPTON","startTime":1502.04,"endTime":1504.815,"body":"post-acquisition"},{"speaker":"CASEY KEMPTON","startTime":1502.04,"endTime":1504.815,"body":"about two years out"},{"speaker":"CASEY KEMPTON","startTime":1504.815,"endTime":1509.06,"body":"and looking to make a material"},{"speaker":"CASEY KEMPTON","startTime":1504.815,"endTime":1509.06,"body":"investment in small business."},{"speaker":"CASEY KEMPTON","startTime":1509.06,"endTime":1513.42,"body":"So ACE had a very solid"},{"speaker":"CASEY KEMPTON","startTime":1509.06,"endTime":1513.42,"body":"wholesale business"},{"speaker":"CASEY KEMPTON","startTime":1513.42,"endTime":1516.17,"body":"and Chubb had a very"},{"speaker":"CASEY KEMPTON","startTime":1513.42,"endTime":1516.17,"body":"solid retail business."},{"speaker":"CASEY KEMPTON","startTime":1516.17,"endTime":1518.75,"body":"Both of those served"},{"speaker":"CASEY KEMPTON","startTime":1516.17,"endTime":1518.75,"body":"small businesses,"},{"speaker":"CASEY KEMPTON","startTime":1518.75,"endTime":1522.17,"body":"but we did not have a small"},{"speaker":"CASEY KEMPTON","startTime":1518.75,"endTime":1522.17,"body":"business-focused division."},{"speaker":"CASEY KEMPTON","startTime":1522.17,"endTime":1526.04,"body":"And so we built that"},{"speaker":"CASEY KEMPTON","startTime":1522.17,"endTime":1526.04,"body":"up for retail agents."},{"speaker":"CASEY KEMPTON","startTime":1526.04,"endTime":1529.04,"body":"I came in to take a role"},{"speaker":"CASEY KEMPTON","startTime":1526.04,"endTime":1529.04,"body":"that we called small business"},{"speaker":"CASEY KEMPTON","startTime":1529.04,"endTime":1533.09,"body":"digital at the time to build"},{"speaker":"CASEY KEMPTON","startTime":1529.04,"endTime":1533.09,"body":"solutions that would really"},{"speaker":"CASEY KEMPTON","startTime":1533.09,"endTime":1535.79,"body":"bring us into new"},{"speaker":"CASEY KEMPTON","startTime":1533.09,"endTime":1535.79,"body":"distribution channels--"},{"speaker":"CASEY KEMPTON","startTime":1535.79,"endTime":1539.06,"body":"still agent distribution--"},{"speaker":"CASEY KEMPTON","startTime":1535.79,"endTime":1539.06,"body":"where technology,"},{"speaker":"CASEY KEMPTON","startTime":1539.06,"endTime":1540.95,"body":"the original boom"},{"speaker":"CASEY KEMPTON","startTime":1539.06,"endTime":1540.95,"body":"around InsureTech"},{"speaker":"CASEY KEMPTON","startTime":1540.95,"endTime":1543.56,"body":"was coming into the space."},{"speaker":"CASEY KEMPTON","startTime":1543.56,"endTime":1546.45,"body":"There was a tremendous"},{"speaker":"CASEY KEMPTON","startTime":1543.56,"endTime":1546.45,"body":"amount of interest"},{"speaker":"CASEY KEMPTON","startTime":1546.45,"endTime":1549.97,"body":"in reaching small business"},{"speaker":"CASEY KEMPTON","startTime":1546.45,"endTime":1549.97,"body":"owners through technology,"},{"speaker":"CASEY KEMPTON","startTime":1549.97,"endTime":1551.79,"body":"through social"},{"speaker":"CASEY KEMPTON","startTime":1549.97,"endTime":1551.79,"body":"media, other media,"},{"speaker":"CASEY KEMPTON","startTime":1551.79,"endTime":1555.48,"body":"all the online ad buys for"},{"speaker":"CASEY KEMPTON","startTime":1551.79,"endTime":1555.48,"body":"insurance terms at those times."},{"speaker":"CASEY KEMPTON","startTime":1555.48,"endTime":1560.25,"body":"And we built APIs for a"},{"speaker":"CASEY KEMPTON","startTime":1555.48,"endTime":1560.25,"body":"product that was tuned exactly"},{"speaker":"CASEY KEMPTON","startTime":1560.25,"endTime":1564.87,"body":"for this kind of down"},{"speaker":"CASEY KEMPTON","startTime":1560.25,"endTime":1564.87,"body":"market, low end, small buyer"},{"speaker":"CASEY KEMPTON","startTime":1564.87,"endTime":1567.42,"body":"in the sense that they don't"},{"speaker":"CASEY KEMPTON","startTime":1564.87,"endTime":1567.42,"body":"have a lot of risk complexity."},{"speaker":"CASEY KEMPTON","startTime":1567.42,"endTime":1568.69,"body":"They may just be starting."},{"speaker":"CASEY KEMPTON","startTime":1568.69,"endTime":1570.6,"body":"So the transaction"},{"speaker":"CASEY KEMPTON","startTime":1568.69,"endTime":1570.6,"body":"is very simple,"},{"speaker":"CASEY KEMPTON","startTime":1570.6,"endTime":1573.63,"body":"and it's very amenable"},{"speaker":"CASEY KEMPTON","startTime":1570.6,"endTime":1573.63,"body":"to a do-it-yourself-type"},{"speaker":"CASEY KEMPTON","startTime":1573.63,"endTime":1575.92,"body":"tech-enabled platform."},{"speaker":"CASEY KEMPTON","startTime":1575.92,"endTime":1579.33,"body":"So I came in to build that"},{"speaker":"CASEY KEMPTON","startTime":1575.92,"endTime":1579.33,"body":"business from scratch."},{"speaker":"CASEY KEMPTON","startTime":1579.33,"endTime":1582.06,"body":"The product was just"},{"speaker":"CASEY KEMPTON","startTime":1579.33,"endTime":1582.06,"body":"about done when I got in,"},{"speaker":"CASEY KEMPTON","startTime":1582.06,"endTime":1585.33,"body":"but we built the technology"},{"speaker":"CASEY KEMPTON","startTime":1582.06,"endTime":1585.33,"body":"from the ground up"},{"speaker":"CASEY KEMPTON","startTime":1585.33,"endTime":1588.66,"body":"and have been expanding"},{"speaker":"CASEY KEMPTON","startTime":1585.33,"endTime":1588.66,"body":"on that technology,"},{"speaker":"CASEY KEMPTON","startTime":1588.66,"endTime":1591.57,"body":"taking that core that we"},{"speaker":"CASEY KEMPTON","startTime":1588.66,"endTime":1591.57,"body":"built, and applying it"},{"speaker":"CASEY KEMPTON","startTime":1591.57,"endTime":1596.37,"body":"to many, many different use"},{"speaker":"CASEY KEMPTON","startTime":1591.57,"endTime":1596.37,"body":"cases across a wide expanse"},{"speaker":"CASEY KEMPTON","startTime":1596.37,"endTime":1597.13,"body":"of products."},{"speaker":"CASEY KEMPTON","startTime":1597.13,"endTime":1601.307,"body":"So that's what I've been up"},{"speaker":"CASEY KEMPTON","startTime":1597.13,"endTime":1601.307,"body":"to for the last six years."},{"speaker":"REID HOLZWORTH","startTime":1601.307,"endTime":1602.64,"body":"That is so cool."},{"speaker":"REID HOLZWORTH","startTime":1602.64,"endTime":1603.15,"body":"Wow."},{"speaker":"REID HOLZWORTH","startTime":1603.15,"endTime":1604.14,"body":"What a ride."},{"speaker":"REID HOLZWORTH","startTime":1604.14,"endTime":1605.91,"body":"So yeah, that's insane."},{"speaker":"REID HOLZWORTH","startTime":1605.91,"endTime":1608.88,"body":"And even six years ago,"},{"speaker":"REID HOLZWORTH","startTime":1605.91,"endTime":1608.88,"body":"that was fairly early."},{"speaker":"REID HOLZWORTH","startTime":1608.88,"endTime":1612.03,"body":"A lot of carriers were"},{"speaker":"REID HOLZWORTH","startTime":1608.88,"endTime":1612.03,"body":"not doing that back then,"},{"speaker":"REID HOLZWORTH","startTime":1612.03,"endTime":1613.393,"body":"so that was early on."},{"speaker":"CASEY KEMPTON","startTime":1613.393,"endTime":1614.31,"body":"Mm-hmm."},{"speaker":"CASEY KEMPTON","startTime":1614.31,"endTime":1615.12,"body":"Yeah."},{"speaker":"CASEY KEMPTON","startTime":1615.12,"endTime":1618.18,"body":"Yeah, we got that"},{"speaker":"CASEY KEMPTON","startTime":1615.12,"endTime":1618.18,"body":"feedback quite a bit."},{"speaker":"CASEY KEMPTON","startTime":1618.18,"endTime":1622.02,"body":"It has been such a learning"},{"speaker":"CASEY KEMPTON","startTime":1618.18,"endTime":1622.02,"body":"journey for everybody."},{"speaker":"CASEY KEMPTON","startTime":1622.02,"endTime":1626.13,"body":"I have the opportunity to"},{"speaker":"CASEY KEMPTON","startTime":1622.02,"endTime":1626.13,"body":"look at the trends across all"},{"speaker":"CASEY KEMPTON","startTime":1626.13,"endTime":1630.66,"body":"the stakeholders and see"},{"speaker":"CASEY KEMPTON","startTime":1626.13,"endTime":1630.66,"body":"that rate of adoption, rate"},{"speaker":"CASEY KEMPTON","startTime":1630.66,"endTime":1634.11,"body":"of interest, where it"},{"speaker":"CASEY KEMPTON","startTime":1630.66,"endTime":1634.11,"body":"actually comes to play,"},{"speaker":"CASEY KEMPTON","startTime":1634.11,"endTime":1639.66,"body":"and how we get work done between"},{"speaker":"CASEY KEMPTON","startTime":1634.11,"endTime":1639.66,"body":"the carriers and distributors."},{"speaker":"CASEY KEMPTON","startTime":1639.66,"endTime":1643.8,"body":"And that's the part I think"},{"speaker":"CASEY KEMPTON","startTime":1639.66,"endTime":1643.8,"body":"we could really dig into."},{"speaker":"CASEY KEMPTON","startTime":1643.8,"endTime":1645.87,"body":"It's been really"},{"speaker":"CASEY KEMPTON","startTime":1643.8,"endTime":1645.87,"body":"very fascinating."},{"speaker":"CASEY KEMPTON","startTime":1645.87,"endTime":1648.51,"body":"Considering that, one of"},{"speaker":"CASEY KEMPTON","startTime":1645.87,"endTime":1648.51,"body":"the first comparative raters"},{"speaker":"CASEY KEMPTON","startTime":1648.51,"endTime":1651.3,"body":"that I can remember all"},{"speaker":"CASEY KEMPTON","startTime":1648.51,"endTime":1651.3,"body":"the way back to 2007,"},{"speaker":"CASEY KEMPTON","startTime":1651.3,"endTime":1654.87,"body":"2008 when I was working"},{"speaker":"CASEY KEMPTON","startTime":1651.3,"endTime":1654.87,"body":"with The Hartford"},{"speaker":"CASEY KEMPTON","startTime":1654.87,"endTime":1657.81,"body":"and building out their"},{"speaker":"CASEY KEMPTON","startTime":1654.87,"endTime":1657.81,"body":"new business strategy,"},{"speaker":"CASEY KEMPTON","startTime":1657.81,"endTime":1661.26,"body":"their new coding"},{"speaker":"CASEY KEMPTON","startTime":1657.81,"endTime":1661.26,"body":"platform for agents,"},{"speaker":"CASEY KEMPTON","startTime":1661.26,"endTime":1664.5,"body":"how we think about APIs and"},{"speaker":"CASEY KEMPTON","startTime":1661.26,"endTime":1664.5,"body":"agent carrier integration"},{"speaker":"CASEY KEMPTON","startTime":1664.5,"endTime":1666.69,"body":"was a big discussion"},{"speaker":"CASEY KEMPTON","startTime":1664.5,"endTime":1666.69,"body":"topic, right?"},{"speaker":"CASEY KEMPTON","startTime":1666.69,"endTime":1670.59,"body":"At that time, it was"},{"speaker":"CASEY KEMPTON","startTime":1666.69,"endTime":1670.59,"body":"anticipated that this will come,"},{"speaker":"CASEY KEMPTON","startTime":1670.59,"endTime":1674.1,"body":"and it will come probably"},{"speaker":"CASEY KEMPTON","startTime":1670.59,"endTime":1674.1,"body":"sooner than we all want."},{"speaker":"CASEY KEMPTON","startTime":1674.1,"endTime":1676.02,"body":"And how do we engage in that?"},{"speaker":"CASEY KEMPTON","startTime":1676.02,"endTime":1681.18,"body":"And we wrestled with, how do we"},{"speaker":"CASEY KEMPTON","startTime":1676.02,"endTime":1681.18,"body":"build technology in 2008 that"},{"speaker":"CASEY KEMPTON","startTime":1681.18,"endTime":1683.41,"body":"doesn't cut off"},{"speaker":"CASEY KEMPTON","startTime":1681.18,"endTime":1683.41,"body":"any opportunities,"},{"speaker":"CASEY KEMPTON","startTime":1683.41,"endTime":1686.46,"body":"whether we want to pursue"},{"speaker":"CASEY KEMPTON","startTime":1683.41,"endTime":1686.46,"body":"them now or not, right?"},{"speaker":"CASEY KEMPTON","startTime":1686.46,"endTime":1689.11,"body":"And I don't think that's"},{"speaker":"CASEY KEMPTON","startTime":1686.46,"endTime":1689.11,"body":"unique to that company at all."},{"speaker":"CASEY KEMPTON","startTime":1689.11,"endTime":1691.65,"body":"I think all carriers"},{"speaker":"CASEY KEMPTON","startTime":1689.11,"endTime":1691.65,"body":"have had to wrestle"},{"speaker":"CASEY KEMPTON","startTime":1691.65,"endTime":1695.64,"body":"with the trade-offs"},{"speaker":"CASEY KEMPTON","startTime":1691.65,"endTime":1695.64,"body":"in investments around"},{"speaker":"CASEY KEMPTON","startTime":1695.64,"endTime":1699.45,"body":"where the future is going"},{"speaker":"CASEY KEMPTON","startTime":1695.64,"endTime":1699.45,"body":"versus that core, proprietary,"},{"speaker":"CASEY KEMPTON","startTime":1699.45,"endTime":1700.75,"body":"come into our platform."},{"speaker":"CASEY KEMPTON","startTime":1700.75,"endTime":1704.49,"body":"This is the basis of competitive"},{"speaker":"CASEY KEMPTON","startTime":1700.75,"endTime":1704.49,"body":"advantage in small commercial,"},{"speaker":"CASEY KEMPTON","startTime":1704.49,"endTime":1707.005,"body":"and just getting that"},{"speaker":"CASEY KEMPTON","startTime":1704.49,"endTime":1707.005,"body":"investment right."},{"speaker":"REID HOLZWORTH","startTime":1707.005,"endTime":1707.88,"body":"Yeah."},{"speaker":"REID HOLZWORTH","startTime":1707.88,"endTime":1710.88,"body":"That's very, very well said."},{"speaker":"REID HOLZWORTH","startTime":1710.88,"endTime":1714.85,"body":"What really excites"},{"speaker":"REID HOLZWORTH","startTime":1710.88,"endTime":1714.85,"body":"you about all of this?"},{"speaker":"REID HOLZWORTH","startTime":1714.85,"endTime":1716.34,"body":"What's exciting to you today?"},{"speaker":"REID HOLZWORTH","startTime":1716.34,"endTime":1717.822,"body":"Like, what's going on?"},{"speaker":"REID HOLZWORTH","startTime":1717.822,"endTime":1718.78,"body":"There's a lot going on."},{"speaker":"REID HOLZWORTH","startTime":1718.78,"endTime":1722.16,"body":"I mean, the market, the industry"},{"speaker":"REID HOLZWORTH","startTime":1718.78,"endTime":1722.16,"body":"has come so far since then."},{"speaker":"REID HOLZWORTH","startTime":1722.16,"endTime":1723.36,"body":"You've built a ton of stuff."},{"speaker":"REID HOLZWORTH","startTime":1723.36,"endTime":1725.28,"body":"You guys are doing a lot."},{"speaker":"REID HOLZWORTH","startTime":1725.28,"endTime":1727.15,"body":"What's exciting?"},{"speaker":"CASEY KEMPTON","startTime":1727.15,"endTime":1729.36,"body":"There's a"},{"speaker":"CASEY KEMPTON","startTime":1727.15,"endTime":1729.36,"body":"lot to be excited about."},{"speaker":"CASEY KEMPTON","startTime":1729.36,"endTime":1733.23,"body":"First of all,"},{"speaker":"CASEY KEMPTON","startTime":1729.36,"endTime":1733.23,"body":"almost all brokers,"},{"speaker":"CASEY KEMPTON","startTime":1733.23,"endTime":1735.81,"body":"larger agents to"},{"speaker":"CASEY KEMPTON","startTime":1733.23,"endTime":1735.81,"body":"small agents, are"},{"speaker":"CASEY KEMPTON","startTime":1735.81,"endTime":1740.28,"body":"realizing how they do their"},{"speaker":"CASEY KEMPTON","startTime":1735.81,"endTime":1740.28,"body":"work, the pace with which they"},{"speaker":"CASEY KEMPTON","startTime":1740.28,"endTime":1742.44,"body":"could do their work and"},{"speaker":"CASEY KEMPTON","startTime":1740.28,"endTime":1742.44,"body":"deliver the customer"},{"speaker":"CASEY KEMPTON","startTime":1742.44,"endTime":1746.91,"body":"service that they're interested"},{"speaker":"CASEY KEMPTON","startTime":1742.44,"endTime":1746.91,"body":"in, go hand in hand, right?"},{"speaker":"CASEY KEMPTON","startTime":1746.91,"endTime":1750.13,"body":"Technology can enable"},{"speaker":"CASEY KEMPTON","startTime":1746.91,"endTime":1750.13,"body":"how they deliver service,"},{"speaker":"CASEY KEMPTON","startTime":1750.13,"endTime":1753.27,"body":"whether it's speed on their"},{"speaker":"CASEY KEMPTON","startTime":1750.13,"endTime":1753.27,"body":"side in terms of responsiveness"},{"speaker":"CASEY KEMPTON","startTime":1753.27,"endTime":1756.87,"body":"or whether technology"},{"speaker":"CASEY KEMPTON","startTime":1753.27,"endTime":1756.87,"body":"enables them to go to market,"},{"speaker":"CASEY KEMPTON","startTime":1756.87,"endTime":1759.24,"body":"get more carrier"},{"speaker":"CASEY KEMPTON","startTime":1756.87,"endTime":1759.24,"body":"quotes to come back,"},{"speaker":"CASEY KEMPTON","startTime":1759.24,"endTime":1761.49,"body":"see who's really"},{"speaker":"CASEY KEMPTON","startTime":1759.24,"endTime":1761.49,"body":"interested in the business"},{"speaker":"CASEY KEMPTON","startTime":1761.49,"endTime":1763.38,"body":"so they can bring the"},{"speaker":"CASEY KEMPTON","startTime":1761.49,"endTime":1763.38,"body":"best solution forward"},{"speaker":"CASEY KEMPTON","startTime":1763.38,"endTime":1764.71,"body":"to their customers."},{"speaker":"CASEY KEMPTON","startTime":1764.71,"endTime":1768.19,"body":"I think agents would"},{"speaker":"CASEY KEMPTON","startTime":1764.71,"endTime":1768.19,"body":"feel more empowered,"},{"speaker":"CASEY KEMPTON","startTime":1768.19,"endTime":1770.74,"body":"enabled by this"},{"speaker":"CASEY KEMPTON","startTime":1768.19,"endTime":1770.74,"body":"kind of technology,"},{"speaker":"CASEY KEMPTON","startTime":1770.74,"endTime":1772.48,"body":"than having to key"},{"speaker":"CASEY KEMPTON","startTime":1770.74,"endTime":1772.48,"body":"it all in, right?"},{"speaker":"CASEY KEMPTON","startTime":1772.48,"endTime":1775.88,"body":"One over one, one over"},{"speaker":"CASEY KEMPTON","startTime":1772.48,"endTime":1775.88,"body":"one in the crux of it."},{"speaker":"CASEY KEMPTON","startTime":1775.88,"endTime":1779.17,"body":"I think the most exciting"},{"speaker":"CASEY KEMPTON","startTime":1775.88,"endTime":1779.17,"body":"part, though, is data, right?"},{"speaker":"CASEY KEMPTON","startTime":1779.17,"endTime":1781.87,"body":"So working efficiently, working"},{"speaker":"CASEY KEMPTON","startTime":1779.17,"endTime":1781.87,"body":"fast, delivering services."},{"speaker":"CASEY KEMPTON","startTime":1781.87,"endTime":1783.16,"body":"That's awesome, right?"},{"speaker":"CASEY KEMPTON","startTime":1783.16,"endTime":1786.34,"body":"In our industry, someday"},{"speaker":"CASEY KEMPTON","startTime":1783.16,"endTime":1786.34,"body":"that'll be table stakes, right?"},{"speaker":"CASEY KEMPTON","startTime":1786.34,"endTime":1787.93,"body":"That's where we're going to."},{"speaker":"CASEY KEMPTON","startTime":1787.93,"endTime":1790.9,"body":"When you look at"},{"speaker":"CASEY KEMPTON","startTime":1787.93,"endTime":1790.9,"body":"what data is bringing"},{"speaker":"CASEY KEMPTON","startTime":1790.9,"endTime":1793.24,"body":"to the equation"},{"speaker":"CASEY KEMPTON","startTime":1790.9,"endTime":1793.24,"body":"across the board,"},{"speaker":"CASEY KEMPTON","startTime":1793.24,"endTime":1797.8,"body":"not just how it empowers"},{"speaker":"CASEY KEMPTON","startTime":1793.24,"endTime":1797.8,"body":"decision making, how it enables"},{"speaker":"CASEY KEMPTON","startTime":1797.8,"endTime":1800.92,"body":"ease of use for a"},{"speaker":"CASEY KEMPTON","startTime":1797.8,"endTime":1800.92,"body":"lot of our partners"},{"speaker":"CASEY KEMPTON","startTime":1800.92,"endTime":1804.25,"body":"internally and"},{"speaker":"CASEY KEMPTON","startTime":1800.92,"endTime":1804.25,"body":"externally at a carrier,"},{"speaker":"CASEY KEMPTON","startTime":1804.25,"endTime":1807.19,"body":"but how does data help us"},{"speaker":"CASEY KEMPTON","startTime":1804.25,"endTime":1807.19,"body":"get to know risk better,"},{"speaker":"CASEY KEMPTON","startTime":1807.19,"endTime":1810.52,"body":"help us get to know"},{"speaker":"CASEY KEMPTON","startTime":1807.19,"endTime":1810.52,"body":"small businesses better?"},{"speaker":"CASEY KEMPTON","startTime":1810.52,"endTime":1813.205,"body":"I have a passion"},{"speaker":"CASEY KEMPTON","startTime":1810.52,"endTime":1813.205,"body":"for small business."},{"speaker":"CASEY KEMPTON","startTime":1813.205,"endTime":1816.17,"body":"For many, many years,"},{"speaker":"CASEY KEMPTON","startTime":1813.205,"endTime":1816.17,"body":"it's been a focus of mine."},{"speaker":"CASEY KEMPTON","startTime":1816.17,"endTime":1819.91,"body":"And when I think about"},{"speaker":"CASEY KEMPTON","startTime":1816.17,"endTime":1819.91,"body":"a customer's engagement"},{"speaker":"CASEY KEMPTON","startTime":1819.91,"endTime":1825.73,"body":"with actual insurance products"},{"speaker":"CASEY KEMPTON","startTime":1819.91,"endTime":1825.73,"body":"and what they experience,"},{"speaker":"CASEY KEMPTON","startTime":1825.73,"endTime":1829.36,"body":"sharing what is my business"},{"speaker":"CASEY KEMPTON","startTime":1825.73,"endTime":1829.36,"body":"about, what do I do--"},{"speaker":"CASEY KEMPTON","startTime":1829.36,"endTime":1831.46,"body":"I think the worst"},{"speaker":"CASEY KEMPTON","startTime":1829.36,"endTime":1831.46,"body":"thing that can happen"},{"speaker":"CASEY KEMPTON","startTime":1831.46,"endTime":1834.88,"body":"is the person they're engaging"},{"speaker":"CASEY KEMPTON","startTime":1831.46,"endTime":1834.88,"body":"with tries to put them"},{"speaker":"CASEY KEMPTON","startTime":1834.88,"endTime":1837.98,"body":"in a box in insurance terms."},{"speaker":"CASEY KEMPTON","startTime":1837.98,"endTime":1842.53,"body":"But I got exactly that 10-word"},{"speaker":"CASEY KEMPTON","startTime":1837.98,"endTime":1842.53,"body":"description for a class code."},{"speaker":"CASEY KEMPTON","startTime":1842.53,"endTime":1844.825,"body":"I'm actually"},{"speaker":"CASEY KEMPTON","startTime":1842.53,"endTime":1844.825,"body":"something else, right?"},{"speaker":"CASEY KEMPTON","startTime":1844.825,"endTime":1846.46,"body":"There's a [INAUDIBLE] on that."},{"speaker":"CASEY KEMPTON","startTime":1846.46,"endTime":1849.85,"body":"So when the data and the"},{"speaker":"CASEY KEMPTON","startTime":1846.46,"endTime":1849.85,"body":"technology all coalesces,"},{"speaker":"CASEY KEMPTON","startTime":1849.85,"endTime":1853.54,"body":"and the small business owner"},{"speaker":"CASEY KEMPTON","startTime":1849.85,"endTime":1853.54,"body":"who starts the transaction, who"},{"speaker":"CASEY KEMPTON","startTime":1853.54,"endTime":1858.04,"body":"needs the insurance has a really"},{"speaker":"CASEY KEMPTON","startTime":1853.54,"endTime":1858.04,"body":"fulfilling experience when"},{"speaker":"CASEY KEMPTON","startTime":1858.04,"endTime":1861.07,"body":"the technology can start to"},{"speaker":"CASEY KEMPTON","startTime":1858.04,"endTime":1861.07,"body":"anticipate and understand"},{"speaker":"CASEY KEMPTON","startTime":1861.07,"endTime":1863.3,"body":"who they are, what"},{"speaker":"CASEY KEMPTON","startTime":1861.07,"endTime":1863.3,"body":"they're interested in,"},{"speaker":"CASEY KEMPTON","startTime":1863.3,"endTime":1865.21,"body":"what kinds of coverage"},{"speaker":"CASEY KEMPTON","startTime":1863.3,"endTime":1865.21,"body":"they can need,"},{"speaker":"CASEY KEMPTON","startTime":1865.21,"endTime":1869.75,"body":"then I think end to"},{"speaker":"CASEY KEMPTON","startTime":1865.21,"endTime":1869.75,"body":"end, everybody benefits."},{"speaker":"REID HOLZWORTH","startTime":1869.75,"endTime":1871.72,"body":"So I"},{"speaker":"REID HOLZWORTH","startTime":1869.75,"endTime":1871.72,"body":"could totally see it."},{"speaker":"REID HOLZWORTH","startTime":1871.72,"endTime":1872.77,"body":"That's pretty awesome."},{"speaker":"REID HOLZWORTH","startTime":1872.77,"endTime":1875.26,"body":"How far are we away from"},{"speaker":"REID HOLZWORTH","startTime":1872.77,"endTime":1875.26,"body":"something like that?"},{"speaker":"REID HOLZWORTH","startTime":1875.26,"endTime":1878.59,"body":"I mean, you mentioned a bit"},{"speaker":"REID HOLZWORTH","startTime":1875.26,"endTime":1878.59,"body":"ago about the first comparative"},{"speaker":"REID HOLZWORTH","startTime":1878.59,"endTime":1881.47,"body":"rater you're working with"},{"speaker":"REID HOLZWORTH","startTime":1878.59,"endTime":1881.47,"body":"eight or so years ago"},{"speaker":"REID HOLZWORTH","startTime":1881.47,"endTime":1884.932,"body":"and how far we've come,"},{"speaker":"REID HOLZWORTH","startTime":1881.47,"endTime":1884.932,"body":"but where do you see that?"},{"speaker":"REID HOLZWORTH","startTime":1884.932,"endTime":1886.39,"body":"And what are some"},{"speaker":"REID HOLZWORTH","startTime":1884.932,"endTime":1886.39,"body":"of the challenges"},{"speaker":"REID HOLZWORTH","startTime":1886.39,"endTime":1888.61,"body":"that you're facing in"},{"speaker":"REID HOLZWORTH","startTime":1886.39,"endTime":1888.61,"body":"order for the industry"},{"speaker":"REID HOLZWORTH","startTime":1888.61,"endTime":1891.587,"body":"to start to be able to"},{"speaker":"REID HOLZWORTH","startTime":1888.61,"endTime":1891.587,"body":"leverage something like that?"},{"speaker":"CASEY KEMPTON","startTime":1891.587,"endTime":1892.42,"body":"Yeah."},{"speaker":"CASEY KEMPTON","startTime":1892.42,"endTime":1894.35,"body":"15 years ago, which is crazy."},{"speaker":"REID HOLZWORTH","startTime":1894.35,"endTime":1894.58,"body":"I'm sorry."},{"speaker":"REID HOLZWORTH","startTime":1894.58,"endTime":1895.08,"body":"15."},{"speaker":"REID HOLZWORTH","startTime":1895.08,"endTime":1895.69,"body":"I'm sorry."},{"speaker":"CASEY KEMPTON","startTime":1895.69,"endTime":1896.95,"body":"The first"},{"speaker":"CASEY KEMPTON","startTime":1895.69,"endTime":1896.95,"body":"one came on the scene--"},{"speaker":"REID HOLZWORTH","startTime":1896.95,"endTime":1897.97,"body":"Who"},{"speaker":"REID HOLZWORTH","startTime":1896.95,"endTime":1897.97,"body":"was that, by the way?"},{"speaker":"REID HOLZWORTH","startTime":1897.97,"endTime":1899.22,"body":"Do you mind saying who it was?"},{"speaker":"REID HOLZWORTH","startTime":1899.22,"endTime":1900.088,"body":"Was it CPASS or--"},{"speaker":"CASEY KEMPTON","startTime":1900.088,"endTime":1900.88,"body":"Yep."},{"speaker":"CASEY KEMPTON","startTime":1900.88,"endTime":1903.37,"body":"One of them was CPASS, right?"},{"speaker":"CASEY KEMPTON","startTime":1903.37,"endTime":1907.27,"body":"Here's a throwback, the old"},{"speaker":"CASEY KEMPTON","startTime":1903.37,"endTime":1907.27,"body":"Jakata screen scraping that"},{"speaker":"CASEY KEMPTON","startTime":1907.27,"endTime":1909.82,"body":"would push its way through."},{"speaker":"CASEY KEMPTON","startTime":1909.82,"endTime":1912.16,"body":"And some of the"},{"speaker":"CASEY KEMPTON","startTime":1909.82,"endTime":1912.16,"body":"challenges faced,"},{"speaker":"CASEY KEMPTON","startTime":1912.16,"endTime":1916.3,"body":"there was no way to put a"},{"speaker":"CASEY KEMPTON","startTime":1912.16,"endTime":1916.3,"body":"Back button into the platform."},{"speaker":"CASEY KEMPTON","startTime":1916.3,"endTime":1921.49,"body":"But that's how silly some of"},{"speaker":"CASEY KEMPTON","startTime":1916.3,"endTime":1921.49,"body":"the technology was, right?"},{"speaker":"CASEY KEMPTON","startTime":1921.49,"endTime":1923.92,"body":"When you're sitting"},{"speaker":"CASEY KEMPTON","startTime":1921.49,"endTime":1923.92,"body":"on top of a mainframe"},{"speaker":"CASEY KEMPTON","startTime":1923.92,"endTime":1927.577,"body":"creating a web-- and agent wants"},{"speaker":"CASEY KEMPTON","startTime":1923.92,"endTime":1927.577,"body":"to go backwards and forwards,"},{"speaker":"CASEY KEMPTON","startTime":1927.577,"endTime":1929.41,"body":"and you're like, no,"},{"speaker":"CASEY KEMPTON","startTime":1927.577,"endTime":1929.41,"body":"if you hit that button,"},{"speaker":"CASEY KEMPTON","startTime":1929.41,"endTime":1931.21,"body":"the whole thing"},{"speaker":"CASEY KEMPTON","startTime":1929.41,"endTime":1931.21,"body":"will break, that's"},{"speaker":"CASEY KEMPTON","startTime":1931.21,"endTime":1934.66,"body":"where we've come from"},{"speaker":"CASEY KEMPTON","startTime":1931.21,"endTime":1934.66,"body":"at that time frame."},{"speaker":"CASEY KEMPTON","startTime":1934.66,"endTime":1937.3,"body":"Everything is fully web-enabled."},{"speaker":"CASEY KEMPTON","startTime":1937.3,"endTime":1943.24,"body":"Do the experiences feel like"},{"speaker":"CASEY KEMPTON","startTime":1937.3,"endTime":1943.24,"body":"I'm shopping on a large retailer"},{"speaker":"CASEY KEMPTON","startTime":1943.24,"endTime":1943.87,"body":"website?"},{"speaker":"CASEY KEMPTON","startTime":1943.87,"endTime":1947.86,"body":"Does it feel like I'm inside"},{"speaker":"CASEY KEMPTON","startTime":1943.87,"endTime":1947.86,"body":"an app and it's so easy?"},{"speaker":"CASEY KEMPTON","startTime":1947.86,"endTime":1950.665,"body":"I think that's something"},{"speaker":"CASEY KEMPTON","startTime":1947.86,"endTime":1950.665,"body":"we all wrestle with."},{"speaker":"CASEY KEMPTON","startTime":1950.665,"endTime":1953.38,"body":"It's a insurance transaction."},{"speaker":"CASEY KEMPTON","startTime":1953.38,"endTime":1955.12,"body":"It is technical."},{"speaker":"CASEY KEMPTON","startTime":1955.12,"endTime":1957.16,"body":"You've got to have expertise."},{"speaker":"CASEY KEMPTON","startTime":1957.16,"endTime":1959.98,"body":"You've got to interpret"},{"speaker":"CASEY KEMPTON","startTime":1957.16,"endTime":1959.98,"body":"the questions,"},{"speaker":"CASEY KEMPTON","startTime":1959.98,"endTime":1963.08,"body":"give the good, solid"},{"speaker":"CASEY KEMPTON","startTime":1959.98,"endTime":1963.08,"body":"answers around those."},{"speaker":"CASEY KEMPTON","startTime":1963.08,"endTime":1969.07,"body":"So how can you make that as"},{"speaker":"CASEY KEMPTON","startTime":1963.08,"endTime":1969.07,"body":"easy as buying paper towels"},{"speaker":"CASEY KEMPTON","startTime":1969.07,"endTime":1972.4,"body":"on the internet so they show"},{"speaker":"CASEY KEMPTON","startTime":1969.07,"endTime":1972.4,"body":"up to your house the next day?"},{"speaker":"CASEY KEMPTON","startTime":1972.4,"endTime":1976.21,"body":"I think we all struggle"},{"speaker":"CASEY KEMPTON","startTime":1972.4,"endTime":1976.21,"body":"with that to some degree."},{"speaker":"CASEY KEMPTON","startTime":1976.21,"endTime":1979.63,"body":"From then till"},{"speaker":"CASEY KEMPTON","startTime":1976.21,"endTime":1979.63,"body":"now, carriers have"},{"speaker":"CASEY KEMPTON","startTime":1979.63,"endTime":1985.407,"body":"repositioned their own views"},{"speaker":"CASEY KEMPTON","startTime":1979.63,"endTime":1985.407,"body":"on being on the platforms."},{"speaker":"REID HOLZWORTH","startTime":1985.407,"endTime":1986.74,"body":"Not all of them."},{"speaker":"REID HOLZWORTH","startTime":1986.74,"endTime":1987.73,"body":"Not all of them."},{"speaker":"CASEY KEMPTON","startTime":1987.73,"endTime":1989.34,"body":"I know."},{"speaker":"CASEY KEMPTON","startTime":1989.34,"endTime":1991.645,"body":"Which is fascinating to me."},{"speaker":"CASEY KEMPTON","startTime":1991.645,"endTime":1995.2,"body":"When you understand what"},{"speaker":"CASEY KEMPTON","startTime":1991.645,"endTime":1995.2,"body":"business is flowing through"},{"speaker":"CASEY KEMPTON","startTime":1995.2,"endTime":1998.98,"body":"the platforms today and"},{"speaker":"CASEY KEMPTON","startTime":1995.2,"endTime":1998.98,"body":"where that's evolving,"},{"speaker":"CASEY KEMPTON","startTime":1998.98,"endTime":2004.44,"body":"the behavior shift at the desk"},{"speaker":"CASEY KEMPTON","startTime":1998.98,"endTime":2004.44,"body":"level cannot be understated."},{"speaker":"CASEY KEMPTON","startTime":2004.44,"endTime":2005.97,"body":"It's change management, right?"},{"speaker":"CASEY KEMPTON","startTime":2005.97,"endTime":2009.7,"body":"I've spent a lot out of my"},{"speaker":"CASEY KEMPTON","startTime":2005.97,"endTime":2009.7,"body":"career in change management."},{"speaker":"CASEY KEMPTON","startTime":2009.7,"endTime":2012.51,"body":"It's one person at a time."},{"speaker":"CASEY KEMPTON","startTime":2012.51,"endTime":2015.09,"body":"You don't always"},{"speaker":"CASEY KEMPTON","startTime":2012.51,"endTime":2015.09,"body":"see a seismic shift."},{"speaker":"CASEY KEMPTON","startTime":2015.09,"endTime":2016.62,"body":"This thing is so"},{"speaker":"CASEY KEMPTON","startTime":2015.09,"endTime":2016.62,"body":"amazing, I'm going"},{"speaker":"CASEY KEMPTON","startTime":2016.62,"endTime":2019.38,"body":"to forget everything I ever"},{"speaker":"CASEY KEMPTON","startTime":2016.62,"endTime":2019.38,"body":"did in how I did my job"},{"speaker":"CASEY KEMPTON","startTime":2019.38,"endTime":2021.54,"body":"and just go do it"},{"speaker":"CASEY KEMPTON","startTime":2019.38,"endTime":2021.54,"body":"different tomorrow"},{"speaker":"CASEY KEMPTON","startTime":2021.54,"endTime":2024.33,"body":"because that technology exists."},{"speaker":"CASEY KEMPTON","startTime":2024.33,"endTime":2027.3,"body":"But it can be"},{"speaker":"CASEY KEMPTON","startTime":2024.33,"endTime":2027.3,"body":"accelerated, absolutely."},{"speaker":"CASEY KEMPTON","startTime":2027.3,"endTime":2030.24,"body":"Right tool, right place,"},{"speaker":"CASEY KEMPTON","startTime":2027.3,"endTime":2030.24,"body":"right time, right leadership,"},{"speaker":"CASEY KEMPTON","startTime":2030.24,"endTime":2032.37,"body":"right push forward,"},{"speaker":"CASEY KEMPTON","startTime":2030.24,"endTime":2032.37,"body":"right incentive."},{"speaker":"CASEY KEMPTON","startTime":2032.37,"endTime":2035.95,"body":"And things that are super"},{"speaker":"CASEY KEMPTON","startTime":2032.37,"endTime":2035.95,"body":"intuitive and easy to use,"},{"speaker":"CASEY KEMPTON","startTime":2035.95,"endTime":2036.69,"body":"absolutely."},{"speaker":"CASEY KEMPTON","startTime":2036.69,"endTime":2039.49,"body":"You can start to get"},{"speaker":"CASEY KEMPTON","startTime":2036.69,"endTime":2039.49,"body":"that mass adoption."},{"speaker":"CASEY KEMPTON","startTime":2039.49,"endTime":2041.4,"body":"So I don't think"},{"speaker":"CASEY KEMPTON","startTime":2039.49,"endTime":2041.4,"body":"we've seen that."},{"speaker":"CASEY KEMPTON","startTime":2041.4,"endTime":2045.72,"body":"I think the leadership,"},{"speaker":"CASEY KEMPTON","startTime":2041.4,"endTime":2045.72,"body":"those driving the businesses,"},{"speaker":"CASEY KEMPTON","startTime":2045.72,"endTime":2049.739,"body":"agents and carriers maybe have"},{"speaker":"CASEY KEMPTON","startTime":2045.72,"endTime":2049.739,"body":"reached a point that says,"},{"speaker":"CASEY KEMPTON","startTime":2049.739,"endTime":2052.32,"body":"we can't ignore this anymore."},{"speaker":"CASEY KEMPTON","startTime":2052.32,"endTime":2056.28,"body":"It's important that we"},{"speaker":"CASEY KEMPTON","startTime":2052.32,"endTime":2056.28,"body":"start to lean in and engage."},{"speaker":"CASEY KEMPTON","startTime":2056.28,"endTime":2059.37,"body":"I know some are very selective"},{"speaker":"CASEY KEMPTON","startTime":2056.28,"endTime":2059.37,"body":"about how they engage."},{"speaker":"CASEY KEMPTON","startTime":2059.37,"endTime":2062.34,"body":"Others are much more open to it."},{"speaker":"CASEY KEMPTON","startTime":2062.34,"endTime":2066.119,"body":"For Chubb, we're a little"},{"speaker":"CASEY KEMPTON","startTime":2062.34,"endTime":2066.119,"body":"entrepreneurial in--"},{"speaker":"REID HOLZWORTH","startTime":2066.119,"endTime":2068.103,"body":"You"},{"speaker":"REID HOLZWORTH","startTime":2066.119,"endTime":2068.103,"body":"are, very much so."},{"speaker":"CASEY KEMPTON","startTime":2068.103,"endTime":2070.02,"body":"--in this"},{"speaker":"CASEY KEMPTON","startTime":2068.103,"endTime":2070.02,"body":"little digital world."},{"speaker":"CASEY KEMPTON","startTime":2070.02,"endTime":2071.61,"body":"We will try a lot."},{"speaker":"CASEY KEMPTON","startTime":2071.61,"endTime":2073.44,"body":"It's OK if it doesn't work out."},{"speaker":"CASEY KEMPTON","startTime":2073.44,"endTime":2074.219,"body":"We will learn."},{"speaker":"CASEY KEMPTON","startTime":2074.219,"endTime":2075.429,"body":"We will evolve."},{"speaker":"CASEY KEMPTON","startTime":2075.429,"endTime":2077.489,"body":"We will try to be"},{"speaker":"CASEY KEMPTON","startTime":2075.429,"endTime":2077.489,"body":"with the market."},{"speaker":"CASEY KEMPTON","startTime":2077.489,"endTime":2079.795,"body":"Maybe one step ahead if"},{"speaker":"CASEY KEMPTON","startTime":2077.489,"endTime":2079.795,"body":"we could pull that off,"},{"speaker":"CASEY KEMPTON","startTime":2079.795,"endTime":2081.42,"body":"but that doesn't"},{"speaker":"CASEY KEMPTON","startTime":2079.795,"endTime":2081.42,"body":"always work out either"},{"speaker":"CASEY KEMPTON","startTime":2081.42,"endTime":2083.219,"body":"because it's hard to predict."},{"speaker":"CASEY KEMPTON","startTime":2083.219,"endTime":2088.71,"body":"The pacing is what I've"},{"speaker":"CASEY KEMPTON","startTime":2083.219,"endTime":2088.71,"body":"often wondered a lot about."},{"speaker":"CASEY KEMPTON","startTime":2088.71,"endTime":2090.55,"body":"Why does it take so long?"},{"speaker":"CASEY KEMPTON","startTime":2090.55,"endTime":2092.639,"body":"And so many conversations--"},{"speaker":"CASEY KEMPTON","startTime":2092.639,"endTime":2095.699,"body":"I'm sure you experienced this"},{"speaker":"CASEY KEMPTON","startTime":2092.639,"endTime":2095.699,"body":"too-- when you think, OK."},{"speaker":"CASEY KEMPTON","startTime":2095.699,"endTime":2096.27,"body":"Here we are."},{"speaker":"CASEY KEMPTON","startTime":2096.27,"endTime":2100.53,"body":"We're in another place, another"},{"speaker":"CASEY KEMPTON","startTime":2096.27,"endTime":2100.53,"body":"time, another set of people."},{"speaker":"CASEY KEMPTON","startTime":2100.53,"endTime":2102.67,"body":"They're about"},{"speaker":"CASEY KEMPTON","startTime":2100.53,"endTime":2102.67,"body":"three years behind."},{"speaker":"CASEY KEMPTON","startTime":2102.67,"endTime":2105.27,"body":"And so who's the next"},{"speaker":"CASEY KEMPTON","startTime":2102.67,"endTime":2105.27,"body":"one to catch up, right?"},{"speaker":"CASEY KEMPTON","startTime":2105.27,"endTime":2108.84,"body":"And those who have led the"},{"speaker":"CASEY KEMPTON","startTime":2105.27,"endTime":2108.84,"body":"way in terms of adoption,"},{"speaker":"CASEY KEMPTON","startTime":2108.84,"endTime":2111.96,"body":"defining real workflow,"},{"speaker":"CASEY KEMPTON","startTime":2108.84,"endTime":2111.96,"body":"moving forward"},{"speaker":"CASEY KEMPTON","startTime":2111.96,"endTime":2114.69,"body":"with markets who are ready"},{"speaker":"CASEY KEMPTON","startTime":2111.96,"endTime":2114.69,"body":"to go and get right in there"},{"speaker":"CASEY KEMPTON","startTime":2114.69,"endTime":2118.71,"body":"with them, where is the next"},{"speaker":"CASEY KEMPTON","startTime":2114.69,"endTime":2118.71,"body":"frontier for them, right?"},{"speaker":"CASEY KEMPTON","startTime":2118.71,"endTime":2120.21,"body":"Where does it go from here?"},{"speaker":"CASEY KEMPTON","startTime":2120.21,"endTime":2124.08,"body":"Is it everybody's got to adopt"},{"speaker":"CASEY KEMPTON","startTime":2120.21,"endTime":2124.08,"body":"exactly what we offer today,"},{"speaker":"CASEY KEMPTON","startTime":2124.08,"endTime":2127.42,"body":"or do we get partial adoption"},{"speaker":"CASEY KEMPTON","startTime":2124.08,"endTime":2127.42,"body":"and the next best thing comes?"},{"speaker":"CASEY KEMPTON","startTime":2127.42,"endTime":2129.52,"body":"And that's where, I think,"},{"speaker":"CASEY KEMPTON","startTime":2127.42,"endTime":2129.52,"body":"the power of the data"},{"speaker":"CASEY KEMPTON","startTime":2129.52,"endTime":2131.8,"body":"becomes really,"},{"speaker":"CASEY KEMPTON","startTime":2129.52,"endTime":2131.8,"body":"really interesting,"},{"speaker":"CASEY KEMPTON","startTime":2131.8,"endTime":2135.43,"body":"that maybe we can't see today"},{"speaker":"CASEY KEMPTON","startTime":2131.8,"endTime":2135.43,"body":"exactly what that transaction"},{"speaker":"CASEY KEMPTON","startTime":2135.43,"endTime":2137.29,"body":"will look like in five years."},{"speaker":"CASEY KEMPTON","startTime":2137.29,"endTime":2139.96,"body":"I hope we're not still"},{"speaker":"CASEY KEMPTON","startTime":2137.29,"endTime":2139.96,"body":"waiting for everyone to adopt"},{"speaker":"CASEY KEMPTON","startTime":2139.96,"endTime":2141.64,"body":"exactly what we have today."},{"speaker":"CASEY KEMPTON","startTime":2141.64,"endTime":2144.79,"body":"Not that there's anything"},{"speaker":"CASEY KEMPTON","startTime":2141.64,"endTime":2144.79,"body":"needed, but imagine"},{"speaker":"CASEY KEMPTON","startTime":2144.79,"endTime":2148.33,"body":"if the rate of development"},{"speaker":"CASEY KEMPTON","startTime":2144.79,"endTime":2148.33,"body":"and the adoption"},{"speaker":"CASEY KEMPTON","startTime":2148.33,"endTime":2151.238,"body":"could catch up to"},{"speaker":"CASEY KEMPTON","startTime":2148.33,"endTime":2151.238,"body":"wherever that future is."},{"speaker":"REID HOLZWORTH","startTime":2151.238,"endTime":2152.78,"body":"Well, that was great."},{"speaker":"REID HOLZWORTH","startTime":2152.78,"endTime":2154.34,"body":"Isn't Casey a rock star?"},{"speaker":"REID HOLZWORTH","startTime":2154.34,"endTime":2155.535,"body":"Just like I said."},{"speaker":"REID HOLZWORTH","startTime":2155.535,"endTime":2157.16,"body":"Well, I really enjoyed"},{"speaker":"REID HOLZWORTH","startTime":2155.535,"endTime":2157.16,"body":"meeting with her"},{"speaker":"REID HOLZWORTH","startTime":2157.16,"endTime":2158.78,"body":"in person at Applied Net."},{"speaker":"REID HOLZWORTH","startTime":2158.78,"endTime":2160.43,"body":"We had a really great time."},{"speaker":"REID HOLZWORTH","startTime":2160.43,"endTime":2162.35,"body":"In this next"},{"speaker":"REID HOLZWORTH","startTime":2160.43,"endTime":2162.35,"body":"episode, we're going"},{"speaker":"REID HOLZWORTH","startTime":2162.35,"endTime":2164.72,"body":"to be getting into"},{"speaker":"REID HOLZWORTH","startTime":2162.35,"endTime":2164.72,"body":"InsureTech, our thoughts"},{"speaker":"REID HOLZWORTH","startTime":2164.72,"endTime":2169.46,"body":"around that, agency adoption,"},{"speaker":"REID HOLZWORTH","startTime":2164.72,"endTime":2169.46,"body":"and what that looks like."},{"speaker":"REID HOLZWORTH","startTime":2169.46,"endTime":2173.66,"body":"She sits in a very"},{"speaker":"REID HOLZWORTH","startTime":2169.46,"endTime":2173.66,"body":"strategic chair at Chubb,"},{"speaker":"REID HOLZWORTH","startTime":2173.66,"endTime":2178.77,"body":"and so she has a very clear lens"},{"speaker":"REID HOLZWORTH","startTime":2173.66,"endTime":2178.77,"body":"on what works and what doesn't."},{"speaker":"REID HOLZWORTH","startTime":2178.77,"endTime":2180.09,"body":"So stay tuned."},{"speaker":"REID HOLZWORTH","startTime":2180.09,"endTime":2182.17,"body":"It's going to be great."}]}