In particular, those who take the time to properly structure an agreement that drives cost reduction, leverage best practices from external providers, clearly define the scope and levels of service that meet the needs of the company (Savitz, 2013). However, for some financial companies it may be better to internalize business activities. The reasons for this are failure to meet expectations, the desire for internal expertise and market pressures. Failure to meet expectations is more common in the financial services industry. Businesses may find that services provided by an external provider cost more than expected due to hidden costs. There is also the notion of geographic separation and state of the economy when dealing with third parties. An unstable economy can impact business operations by degrading the efficiency and quality of services. Outsourcing is a major cause of job losses, making it an unethical practice. Corporate insourcing activities create a desire for internal skills, creating jobs. Companies also receive benefits such as faster product-to-market cycles, revenue generation, increased innovation, and intellectual property protection (Savitz, 2013). Internalization is the best practice because it allows companies to avoid market pressures. An example of market pressure is wage inflation. Wage inflation in outsourcing markets puts pressure on suppliers to find alternative ways of controlling them