lol... viffer... It wasn't anything personal or serious, as noted at the bottom of my comment I was "just joking"... yes, I'm well aware of how premiums are determined (had a good friend who was an actuary, we spent many hours discussing the exciting world of analytical predictions, establishing possibility, worki... *yawning and falls asleep*)
wayy too serious viffer... what happened to the "fun"
edit: just noticed you are also an actuary... nothing i said was an attack or joke about the actuarial professions, just that long conversations about that line of work used to make me very sleepy, because I had very little interest in the field (my friend also liked to talk a lot, usually about his work). No offence intended in anything said above.