Abstract: A system, method, and computer-readable medium for settling accounts are provided. An aggregate policy document is generated from a plurality of document definitions that each respectively define a policy document. Mechanisms are provided that identify repetitive content that is common to a plurality of the documents definitions. A single instance of the repetitive content is included in the aggregate document. Content of the document definitions may include information sets having content to be reviewed by a beneficiary, and information request sets having content that provides a solicitation of information from the beneficiary. The aggregate document may contain content of a plurality of documents in a manner that allows the beneficiary to efficiently settle a plurality of accounts without the repetitive review of common document content and without the repetitive supply of common information.