Disclaimer

In this day and age, where lawyers run amok and the courts are wielded as weapons,
it is always wise to exercise care when writing publicly. To that end, please
keep in mind the following:

1. My opinions are my own. They may not necessarily reflect those of my employer.
2. Some of what I write about comes very close to subjects I may encounter
   in my day job. I do not post proprietary information. Everything I post in
   my blog is either based on public information or is my own conjecture. Please
   don’t assume that I’m sharing an "inside scoop".
3. I am a credentialed actuary, which means that I am bound by certain standards
   imposed by the profession. Some of those standards govern the making of "Statements
   of Actuarial Opinion" or the providing of "Actuarial Services".
   Nothing in this blog should be construed to be a formal "Statement of
   Actuarial Opinion", and my rambling and ranting here should not be considered
   providing "Actuarial Services". If you have need for a formal SAO
   or real actuarial services, feel free to contact me, and I’ll see if I can
   help, or put you in contact with someone who can.

Thanks for reading!