As an employee of an independent agent, I have no problem with the underwriters finding ways to serve their customers better and, thus, increasing their direct operations' market share.

I do take issue, however, with the instant title commitment.  The production of a title commitment 'within seconds' hardly leaves enough time for a pair of eyes to gaze upon the thing to check for accuracy, and to identify possible exceptions to be cleared.  This looks to be just another step downward from traditional standards, and away from any return to quality.