text: A 2017 study found that Alabama had the least competitive health insurance market in the country, with Blue Cross and Blue Shield of Alabama having a market share of 84% followed by UnitedHealth Group at 7%.Banking Regions Financial Corporation is the largest bank headquartered in or operating in Alabama.PNC Financial Services and Wells Fargo also have a major presence in Alabama.Wells Fargo has a regional headquarters, an operations center campus, and a $400million data center in Birmingham.Many smaller banks are also headquartered in the Birmingham area, including ServisFirst and New South Federal Savings Bank.Birmingham also serves as the headquarters for several large investment management companies, including Harbert Management Corporation.Electronics and communications Telecommunications provider AT&T, formerly BellSouth, has a major presence in Alabama with several large offices in Birmingham.Many technology companies are headquartered in Huntsville, such as ADTRAN, a network access company; Intergraph, a computer graphics company; and Avocent, an IT infrastructure company.Construction Brasfield & Gorrie, BE&K, Hoar Construction, and B.L.Harbert International, based in Alabama and subsidiaries of URS Corporation, are all routinely are included in the Engineering News-Record lists of top design, international construction, and engineering firms.Law and government State government The foundational document for Alabama's government is the Alabama Constitution, which was ratified in 1901.With over 850 amendments and almost 87,000 words, it is by some accounts the world's longest constitution and is roughly forty times the length of the United States Constitution.There has been a significant movement to rewrite and modernize Alabama's constitution.Critics argue that Alabama's constitution maintains highly centralized power with the state legislature, leaving practically no power in local hands.