In the 1980s, Sears acquired several financial services firms, including Allstate Insurance and Dean Witter Brokerage Services. Sears kept these businesses as largely autonomous divisions. By 1994, the strategy had failed and Sears had divested all of its financial services holdings. Bearing in mind the dictum that structure follows strategy, identify the strategy that Sears had in mind when it acquired these businesses, and recommend a structure that might have led to better results.