please empty your brain below

Excellent post.

Ooh, a little bit of politics there...

I'm sure the underwriters I know would love to hear you call them gamblers.

Somehow, calling it something noble like 'underwriting' makes it seem okay...

Look it's not gambling it's risk management, the scientific application of statistical theory. I mean what could possibly be speculative about calculating the possibility of J-Lo permanently losing her butt or not winning on the lottery? It's not called actuarial science for nothing you know

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