Underwriter’s Dilemma

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One underwriter  asks  another “How do we know we are doing much better this year than last year?

The second underwriter replies “What was this year is last year plus or minus this year’s change.”

The first underwriter replies “If change is the only constant why do we need to measure it?  You don’t know if something is better if you didn’t know how to measure what it was before.”

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