THE ACTUARY PRAYER Our model, which art in nowhere. Guessing be thy name.

Thy assumptions come, Thy will be done in future as it was in the past. Give us this day our premium rates, and forgive us our lousy estimates, as we forgive those who supply us with crappy data. Lead us not into insolvencies, and deliver us from auditors. For thine is the #N !"#, #$%&'(), and #& L*"), forever and ever. men.