The secondary reviewer agreed that it was not well written and needed work. This paper definitely needs a second draft. The paper needs an example on data organization. Also the paper quotes from FAS 60 and Canadian regulation and the reviewer is concerned whether that is allowed. He is not sure if it needs a Canadian review.
Reviewer needs to see another draft.
A COR member volunteered to contact a Canadian actuary in his firm to get help. He thinks the paper needs some modification but meets the topic for call paper. He will recommend that the author add the word Canadian to the title. She is concerned a bit about the concept as to whether the earning pattern can be dependent on the experience. This paper needs a second draft.