It's not often that an insurer can cut costs and improve competitive advantage at the same time. So, when Novato, CA-based Fireman's Fund Insurance Co (FFIC) saw an opportunity to do just that, the carrier moved quickly. Prior to 2003, FFIC printed, collated and shipped thousands of policy documents to agencies. That cost time and money on both ends, so the company decided to put as much of the paperwork as possible online. In August 2002, FFIC issued an RFP for a minimally invasive solution that could cope with eight different policy issuance systems and a legacy printing process. After narrowing the vendors to three, FFIC selected Toronto-based Xenos' d2e Platform to convert its IBM Advanced Function Presentation (AFP) files into a format that would work on the Web.