Enable agents and clients to communicate 1:1 asynchronously, or in realtime, via an embedded text chat function in HQ, and the GloveBox Policyholder App. The aim would be to speed up the exchange of info and documents between both parties. Could potentially also incorporate smart chatbots to automatically route common client questions to pre-written information, therefore saving agents time spent on routine requests, while still facilitating personal interaction with clients at scale.