They paid for the investment in network infrastructure and software development that has allowed us to have reliable broadband connectivity, multimedia websites, online chat and all the other cool stuff that we are coming to enjoy and rely upon.

BBC: Why the UK needs a net visionary

The system provides a platform for continuous network improvement through the application of new and enhanced software development.

FORBES: GE Gobbles Up More of the Smart Grid

Appeals, contestations, audit cost (both provider and insurer driven), reconciliations, contract loading, software license costs, as well as general administration, network development, marketing, commissions and profit all are major factors why private insurance administrative costs are higher.

FORBES: The Myth of Medicare's 'Low Administrative Costs'