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A. M. Best alarm Arcadia arrest ASN functions assets available company average Best's beta coefficients Brian Michael Jenkins capital requirements coefficients domestic companies effect employees empty house equation equity returns error estimate expected fire companies fire department guaranty fund hostages hypothesis incident inflation insolvent firms investigation Laconia Ladder 37 ladder companies liability loss ratio market portfolio measure multiple line requirement negative number of companies number of firms number of insolvencies operating Paper Series Papers Poisson process policyholders premium volume prepared in fulfillment prior approval probability of insolvency problem Rand Corporation Rand Paper Series Rand study random rate of return rate regulation reduce regulated firms reported return on asset risk sample Santa Monica Schwert sequential test shared by Rand significant solvency regulation specific stock and mutual stock companies subrogation surplus terrorists tion underwriting variable