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Introduction Key Figures Payroll and Premium Data Market Shares Market Pricing Variation Individual Risk Rating Top Ten Classifications Premium by Size of Risk Claim Activity Development Factors Combined Ratios Approved Loss Cost Decrease Approved Rate / Loss Cost Level Changes Settlement Patterns and Claim Frequency Indemnity Severity Trends Medical Severity Trends Severities by Industry Group and Hazard Group Distribution of Losses by Injury Type Top Ten Injuries Medical Cost Distributions Medical Payments Share Over Time Prescription Drug Spending Data Sources Definitions