New York Life's @DavidCastellani SVP & Business Information Officer joins us and chimes in on timeline applications: "I don't think you're ever happy to start with. You constantly have got to be feeding the beast of change in order to be faster. I mean, think about why ... People always want agility. They say they want speed, but what holds them back? Well, it's the mountain of legacy that was built 40, 30, 25 years ago that actually represents the core. That's the massive speed bump. That's the glue that holds the organizations from moving quicker and faster. Asset reduction is key to this conversation. Without it, you're going to continue to be slow."