A Hard look at pricing trends

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      <subfield code="a">he reserve releases and stroble AY (Accident Year) loss ratio "pick" (for 1998) reflect the "cheating phose" (the reducton of reserves to the point where deficiences may be created) of the underwriting cycle. In this phase of the underwriting-pricing cycle, actuaries are often under pressure from insurance company management to set and certify reserves that are lean but adequate</subfield>
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