The Claims and Underwriting departments 2018 business plans call for negative numbers in expenses. Only way to get below zero expense growth is to cut facilities and people. It's happening so wide spread like someone else said here that basically it is Enterprise wide now. And yes I agree with the comments that 20+ yr employees like me are targeted. The list of dept that are actively initiating transition plans are
Systems
Claims
Ad services (most will be outsourced)
Bank
Compliance
LD
AFS.. In Agency, that one I doubt
Underwriting.. Once PC Mod takes off