In particular, those who take the time to properly structure an agreement that results in cost reduction, leverage best practices from external providers, clearly define scope and levels services that meet the needs of the company (Savitz, 2013). However, for some financial companies, it may be better to internalize the company's operations. The reasons for this include failure to meet expectations, desire for in-house expertise and market pressures. Failure to meet expectations is most common in the financial services industry. Businesses may find that an external provider's services cost more than expected due to hidden costs. There is also a notion of geographic separation and state of the economy when dealing with a third party. An unstable economy can affect business operations by degrading efficiency and quality of services. Outsourcing is a major cause of job loss, making it an unethical practice. Insourcing business activities creates a desire for in-house expertise, creating jobs. Businesses also enjoy benefits such as faster commercialization cycles, revenue generation, greater innovation, and better intellectual property protection (Savitz, 2013). Insourcing is best practice because it allows companies to avoid market pressures. Wage inflation is an example of market pressure. Wage inflation in outsourcing markets is pushing providers to find other ways to control