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amount analysis ASIR model ASIRRG basic BDAILY capital captive insurance claims settled consumers costs coverage currency appreciates decision decision problems deductible defective products demand distribution economic économique effects empirical goal research employees enterprise estimated example exchange rates expected Figure firm function Geneva Association Geneva Papers Genève goal systems IMIDES increase industry inflation rates investment l'assurance liability lnsurance loss control loss prevention loss reserves manufacturers marginal MMSCFD MRPA operating optimum retirement age Papers on Risk parameters payments policies possible potential premium income premium rates problem product liability product recall profit programs purchase random number seed ratio Raymond BARRE reinsurance reinsurance treaties response Risk and Insurance risk aversion risk class risk management risque shareholders funds sick fund simulation run solvency special offers specific strategy Swiss Francs Table theory tion underwriting variable