 It is also confirmed that decentralized management with regional direcciones generales instead of delegados provinciales and full managerial accountability with little cross-subsidizing contributed to internal efficiency of operations.He is credited for developing a business model dubbed "specialized diversification", allowing customer focus, reduced back-office and increased economics of scale by taking advantage of numerous shared services.Larramendi is also deemed responsible for introducing to Spain a number of features specific for insurance and financial markets, be it new products like travel assistance plans for motorists or home assistance programs for home owners, new corporative techniques like risk management, broadening scope of activities to entirely new areas and a new strategic customer interface concept of "one-stop financial shopping".