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Table of Contents

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