Description: This presentation is a panel discussion, session 90PD, from the 2000 Annual Meeting of the Society of Actuaries, held October 15-18 in Chicago. The panelists, including a chief technology officer and a Microsoft employee, introduce actuaries to XML, discussing the origins of XML and its relation to HTML. They discuss how to model with XML to achieve independence between platforms and systems. The speakers present XML applications, including online insurance, employee benefits and mathematics. Discussion from participants is included. From the Record of Society of Actuaries, Volume 26, No. 3.