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An example of this is that of call centers. For a business to have a call center, they must have the hardware and technology. These expenses are on-going to keep up with the competition and typically require IT support staff necessary to maintain the hardware and software. Secondary considerations are the need to have the resources necessary to support the call volume regardless of whether anyone calls. A standard for the Insurance industry is one customer service representative per one thousand members (potential callers). Those reps require salaries, training, supervision, and miscellaneous benefits like vacation time, 401k, and medical and dental insurance...
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