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      <lastmod>2026-03-19</lastmod>
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      <loc>https://variancejournal.org/article/120778-a-bayesian-approach-to-excess-of-loss-pure-premium-rating</loc>
      <lastmod>2026-03-19</lastmod>
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      <lastmod>2025-09-23</lastmod>
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      <lastmod>2026-03-19</lastmod>
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      <loc>https://variancejournal.org/article/120779-preliminary-selection-of-risk-factors-in-p-c-ratemaking</loc>
      <lastmod>2026-03-19</lastmod>
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      <loc>https://variancejournal.org/article/120775-geographical-ratings-with-spatial-random-effects-in-a-two-part-model</loc>
      <lastmod>2026-03-19</lastmod>
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      <loc>https://variancejournal.org/article/70186-discussion-of-the-log-gamma-distribution-and-non-normal-error</loc>
      <lastmod>2025-08-07</lastmod>
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      <loc>https://variancejournal.org/article/154307-predicting-workers-compensation-dispute-outcomes-with-large-language-models</loc>
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      <lastmod>2026-03-16</lastmod>
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      <loc>https://variancejournal.org/article/142012-q-credibility</loc>
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      <lastmod>2026-03-19</lastmod>
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      <loc>https://variancejournal.org/article/141992-risk-aggregation-a-general-approach-via-the-class-of-generalized-gamma-convolutions</loc>
      <lastmod>2026-03-19</lastmod>
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      <lastmod>2026-03-19</lastmod>
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      <lastmod>2026-03-19</lastmod>
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      <loc>https://variancejournal.org/article/142014-the-bornhuetter-ferguson-principle</loc>
      <lastmod>2026-02-02</lastmod>
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      <lastmod>2026-03-19</lastmod>
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      <loc>https://variancejournal.org/article/27388-loss-reserving-using-estimation-methods-designed-for-error-reduction</loc>
      <lastmod>2026-03-19</lastmod>
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      <loc>https://variancejournal.org/article/28201-limited-fluctuation-credibility-under-uncertain-priors</loc>
      <lastmod>2026-03-19</lastmod>
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      <loc>https://variancejournal.org/article/141995-a-comparison-of-actuarial-financial-scenario-generators</loc>
      <lastmod>2026-01-28</lastmod>
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      <loc>https://variancejournal.org/article/142045-models-of-insurance-claim-counts-with-time-dependence-based-on-generalization-of-poisson-and-negative-binomial-distributions</loc>
      <lastmod>2026-01-28</lastmod>
    </url>
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      <loc>https://variancejournal.org/article/144283-synthesizing-property-casualty-ratemaking-datasets-using-generative-adversarial-networks</loc>
      <lastmod>2025-10-27</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/28150-text-mining-in-insurance-from-unstructured-data-to-meaning</loc>
      <lastmod>2026-04-02</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/32517-policy-level-unreported-frequency-model-for-pure-ibnr-estimation</loc>
      <lastmod>2022-09-26</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/28366-self-assembling-insurance-claim-models-using-regularized-regression-and-machine-learning</loc>
      <lastmod>2026-04-02</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/29467-nonparametric-curve-estimation-for-truncated-and-censored-data-without-product-limit</loc>
      <lastmod>2026-04-02</lastmod>
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      <loc>https://variancejournal.org/article/29579-discussion-on-q-credibility-by-olivier-le-courtois</loc>
      <lastmod>2026-04-02</lastmod>
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      <loc>https://variancejournal.org/article/29465-approximating-the-aggregate-loss-distribution</loc>
      <lastmod>2026-04-02</lastmod>
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      <loc>https://variancejournal.org/article/29442-the-skewness-of-bornhuetter-ferguson</loc>
      <lastmod>2026-04-02</lastmod>
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      <loc>https://variancejournal.org/article/29577-regression-shrinkage-and-selection-for-actuarial-models</loc>
      <lastmod>2026-04-02</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/29599-expected-adverse-deviation-as-a-measure-of-risk-distribution</loc>
      <lastmod>2026-04-02</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/29160-pricing-cyber-insurance-for-a-large-scale-network</loc>
      <lastmod>2026-04-02</lastmod>
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    <url>
      <loc>https://variancejournal.org/article/29684-capital-allocation-techniques-review-and-comparison</loc>
      <lastmod>2026-04-02</lastmod>
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    <url>
      <loc>https://variancejournal.org/article/29828-working-with-a-parametric-copula-based-model-for-individual-non-life-loss-reserving</loc>
      <lastmod>2026-04-02</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/31370-recommender-systems-for-insurance-marketing</loc>
      <lastmod>2026-04-02</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/142029-prediction-error-of-the-multivariate-additive-loss-reserving-method-for-dependent-lines-of-business</loc>
      <lastmod>2026-02-02</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/91290-multi-peril-frequency-credibility-premium-via-shared-random-effects</loc>
      <lastmod>2025-06-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/142025-modeling-mortgage-insurance-as-a-multistate-process</loc>
      <lastmod>2025-12-03</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/142007-combining-chain-ladder-and-additive-loss-reserving-methods-for-dependent-lines-of-business</loc>
      <lastmod>2025-12-03</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/142001-obtaining-predictive-distributions-for-reserves-which-incorporate-expert-opinion</loc>
      <lastmod>2025-12-03</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/77957-optimal-growth-for-p-c-insurance-companies</loc>
      <lastmod>2024-09-03</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/38285-required-sample-size-in-capital-modeling</loc>
      <lastmod>2025-08-07</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/120829-actuarial-portfolio-management-of-infrastructure-service-contracts</loc>
      <lastmod>2025-11-17</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/140793-yep-we-re-skewed</loc>
      <lastmod>2025-08-11</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/74013-on-a-class-of-multivariate-mixtures-of-gamma-distributions-actuarial-applications-and-estimation-via-stochastic-gradient-methods</loc>
      <lastmod>2025-06-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/146426-an-application-of-image-processing-techniques-in-the-calibration-of-catastrophe-models</loc>
      <lastmod>2026-01-20</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/94504-matrix-variate-regression-as-a-tool-for-insurers</loc>
      <lastmod>2025-08-07</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/115769-a-comprehensive-non-aggregated-stochastic-approach-to-loss-development</loc>
      <lastmod>2025-06-27</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/115933-insurance-claims-fraud-optimal-auditing-strategies-in-insurance-companies</loc>
      <lastmod>2025-06-27</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/120821-tail-related-risk-measures-of-extreme-value-distribution</loc>
      <lastmod>2025-06-27</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/57686-d-ratios-and-credibility-in-experience-rating</loc>
      <lastmod>2025-06-16</lastmod>
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    <url>
      <loc>https://variancejournal.org/article/37253-a-wrinkle-in-target-why-you-should-not-apply-actuarial-trend-to-your-glm-target-variable</loc>
      <lastmod>2024-10-23</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/120866-a-linear-approximation-to-copula-regression</loc>
      <lastmod>2025-11-17</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/120861-incorporating-spatial-dependence-and-climate-change-trends-for-measuring-long-term-temperature-derivative-risk</loc>
      <lastmod>2025-11-17</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/142022-using-a-bayesian-approach-for-claims-reserving</loc>
      <lastmod>2025-11-18</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/120765-computing-semiparametric-bounds-on-the-expected-payments-of-insurance-instruments-via-column-generation</loc>
      <lastmod>2025-11-17</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/140790-risk-transfer-testing-of-reinsurance-contracts</loc>
      <lastmod>2025-11-18</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/68374-towards-explainability-of-machine-learning-models-in-insurance-pricing</loc>
      <lastmod>2024-10-18</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/127627-generalized-mack-chain-ladder-model-of-reserving-with-robust-estimation</loc>
      <lastmod>2025-06-27</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/120791-risk-adjusted-underwriting-performance-measurement</loc>
      <lastmod>2025-07-01</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/120827-back-testing-the-odp-bootstrap-of-the-paid-chain-ladder-model-with-actual-historical-claims-data</loc>
      <lastmod>2025-11-17</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/120867-tail-factor-convergence-in-sherman-s-inverse-power-curve-loss-development-factor-model</loc>
      <lastmod>2025-07-01</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/77636-the-workers-compensation-tails</loc>
      <lastmod>2024-09-03</lastmod>
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    <url>
      <loc>https://variancejournal.org/article/121916-discussion-of-paper-published-in-vol-6-no-1</loc>
      <lastmod>2025-06-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/127642-applying-graphical-models-to-automobile-insurance-data</loc>
      <lastmod>2025-10-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/127630-minimum-bias-generalized-linear-models-and-credibility-in-the-context-of-predictive-modeling</loc>
      <lastmod>2025-11-17</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/120781-using-survival-analysis-to-predict-workers-compensation-termination</loc>
      <lastmod>2026-03-19</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/140963-simulation-engine-for-adaptive-telematics-data</loc>
      <lastmod>2025-08-01</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/115972-counterfactual-disaster-risk-analysis</loc>
      <lastmod>2025-06-27</lastmod>
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    <url>
      <loc>https://variancejournal.org/article/120853-judgmental-topics-in-p-c-companies-findings-from-a-prediction-survey</loc>
      <lastmod>2025-11-17</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/140802-the-log-gamma-distribution-and-non-normal-error</loc>
      <lastmod>2026-03-19</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/125652-long-tail-modeling-of-crop-insurance-indemnities</loc>
      <lastmod>2025-08-01</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/77958-ruin-probability-based-initial-capital-of-the-discrete-time-surplus-process</loc>
      <lastmod>2025-06-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/74221-multivariate-copula-modeling-for-improving-agricultural-risk-assessment-under-climate-variability</loc>
      <lastmod>2025-08-07</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/92322-a-response-to-dahms-s-discussion-published-in-variance-vol-14-issue-1-2021</loc>
      <lastmod>2025-06-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141807-property-liability-insurance-loss-reserve-ranges-based-on-economic-value</loc>
      <lastmod>2025-10-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/116049-pricing-catastrophe-excess-of-loss-reinsurance-using-power-curves-and-the-generalized-logarithmic-mean</loc>
      <lastmod>2025-06-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141749-premium-estimation-under-model-uncertainty-model-averaging-for-left-truncated-reinsurance-losses</loc>
      <lastmod>2025-08-01</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/127623-class-ratemaking-for-workers-compensation-new-developments-in-loss-development</loc>
      <lastmod>2025-10-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/127620-a-survey-of-approaches-to-a-changepoint-problem-in-an-actuarial-context</loc>
      <lastmod>2025-10-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/127585-one-year-and-total-run-off-reserve-risk-estimators-based-on-historical-ultimate-estimates</loc>
      <lastmod>2025-10-16</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141976-chain-ladder-bias</loc>
      <lastmod>2025-09-24</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141797-the-path-of-the-ultimate-loss-ratio-estimate</loc>
      <lastmod>2025-09-24</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141805-bias-variance-tradeoff-a-property-casualty-modeler-s-perspective</loc>
      <lastmod>2026-03-19</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141981-on-the-subadditivity-of-tail-value-at-risk-an-investigation-with-copulas</loc>
      <lastmod>2025-10-22</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141998-optimal-layers-for-catastrophe-reinsurance</loc>
      <lastmod>2025-10-21</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141808-extreme-value-analysis-for-partitioned-insurance-losses</loc>
      <lastmod>2025-10-21</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141996-stochastic-loss-reserving-with-the-collective-risk-model</loc>
      <lastmod>2025-10-21</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141974-the-economics-of-insurance-fraud-investigation-evidence-of-a-nash-equilibrium</loc>
      <lastmod>2025-10-21</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141999-estimating-predictive-distributions-for-loss-reserve-models</loc>
      <lastmod>2025-10-21</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/92094-order-statistic-exceedance-probability-sensitivities-to-alternative-model-assumptions</loc>
      <lastmod>2025-08-07</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/138733-adjusting-manual-rates-to-own-experience-comparing-the-credibility-approach-to-machine-learning</loc>
      <lastmod>2025-08-01</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141987-interval-estimation-of-the-credibility-factor</loc>
      <lastmod>2025-09-05</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/77487-reinsurance-credit-risk-a-market-consistent-paradigm-for-quantifying-the-cost-of-risk</loc>
      <lastmod>2023-11-15</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/36429-security-posture-based-incident-forecasting</loc>
      <lastmod>2022-06-28</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/38346-can-insurance-achieve-its-full-potential-for-climate-adaptation</loc>
      <lastmod>2022-10-12</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141989-prediction-error-of-the-future-claims-component-of-premium-liabilities-under-the-loss-ratio-approach</loc>
      <lastmod>2025-10-01</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/141794-robustifying-reserving</loc>
      <lastmod>2025-10-01</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/90738-chain-ladder-correlations</loc>
      <lastmod>2025-05-02</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/37261-market-based-model-selection-with-an-application-in-commercial-auto-ratemaking</loc>
      <lastmod>2022-08-11</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/142031-determination-of-optimum-fair-premiums-in-property-liability-insurance-an-optimal-control-theoretic-approach</loc>
      <lastmod>2026-01-28</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/137061-applications-of-gaussian-inverse-wishart-process-regression-models-in-claims-reserving</loc>
      <lastmod>2025-09-05</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/142767-a-new-approach-to-detecting-insurance-fraud</loc>
      <lastmod>2025-10-27</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/145072-development-of-telematics-safety-scores-in-accordance-with-regulatory-compliance</loc>
      <lastmod>2025-10-28</lastmod>
    </url>
    <url>
      <loc>https://variancejournal.org/article/142002-estimation-and-robustness-of-linear-mixed-models-in-credibility-context</loc>
      <lastmod>2025-10-29</lastmod>
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</urlset>
