"Sun stood out because it so often oscillated between lovable bravado and insanity."☛ NYTimes.com

Sun stood out because it so often oscillated between lovable bravado and insanity.

It’s hard to think of another big-time technology shop that would be willing to rumble with Intel in the x86 chip market.

For one, it costs a ton of money to design chips. Second, just about every company that has tried to carve out an x86 niche has failed. (The most spectacular flameout being Transmeta, which went after laptops with a low-power chip.) And then, even if you succeed in getting a good product out, your reward is a constant war against Intel.

Predictive Modeling Factors to consider.... /via iso.com

  • Totals: Total Exposures
  • Trends: Rate of Medical Bill Increases
  • Ratios: Claims/Premium, Target/Median 
  • Friction: Level of inconvenience, ratio of rental to damage
  • Sequences: Lawyer-Doctor, Auto-Life Policy
  • Circumstances: Minimal Impact Severe Trauma
  • Temporal: Loss shortly after adding collision
  • Spatial: Distance to Service, proximity of stakeholders
  • Logged: Progress Notes, Diaries, Who did it, When, “Why”
  • Behavioral: Deviation from past usage, spike buying 
  • Experience Profiles: Vendor, Doctor, Premium Audit
  • Channel: How applied, How reported, Service Chain
  • Legal Jurisdiction: Venue Disposition, Rules 
  • Demographics: Working, Weekly wage, lost income
  • Firmographics: Industry Class Code Vs Injuries Claimed
  • Inflation: Wage, Medical, Goods, Auto, COLA 
  • Gov’t Statistics: Crime Rate, Employment, Traffic
  • Other Stats: Rents, Occupancy, Zoning, Mgd Care

via iso.com

    Predictive Modeling for Premium Audit

    Carriers can use a premium audit model to prioritize audits most likely to require a large premium adjustment and concentrate audit resources on those accounts first. Prioritizing audits will result in addressing those discrepancies faster. Even moving average receivables forward 30 days can be worth millions of dollars to the bottom line of a carrier with a sizable audit base. Additionally, using these premium discrepancy predictions proactively at the underwriting stage of the process can result in better underwriting decisions and increased customer retention, since there will be fewer end-of-policy cash-flow surprises for the customer and agent.
    via iso.com