In looking to explain Esperance's domestic domination, one factor is their efficient organisational and administrative structure, which is the envy of many Tunisian sides.

BBC: SPORT | Football | African | Esperance rewrite Tunisian football

Complementing the steps they take on the revenue side, the leaders will also reduce costs by making claims management more efficient and cutting administrative overhead.

FORBES: Rewriting The Rules For Insurers

The bottler, which operates in North America, Turkey, Russia, Greece and Spain, said it would refine its selling and service organization, lower its general and administrative expenses, make its supply chain more efficient and modify its defined benefit pension plans in the U.S. and Canada.

FORBES: Market Scan

Watson says his company can afford to offer financial incentives, because it has newer and more efficient information technology systems than established insurance companies, and lower administrative expenses.

FORBES: SeeChange Health Ushers In A New Model For Health Insurance