id	sid	tid	token	lemma	pos
fueconorg-12029	1	1	12029	12029	NUM
fueconorg-12029	1	2	facta	facta	PROPN
fueconorg-12029	1	3	universitatis	universitatis	PROPN
fueconorg-12029	1	4	series	series	NOUN
fueconorg-12029	1	5	:	:	PUNCT
fueconorg-12029	1	6	economics	economic	NOUN
fueconorg-12029	1	7	and	and	CCONJ
fueconorg-12029	1	8	organization	organization	NOUN
fueconorg-12029	1	9	vol	vol	NOUN
fueconorg-12029	1	10	.	.	PROPN
fueconorg-12029	1	11	21	21	NUM
fueconorg-12029	1	12	,	,	PUNCT
fueconorg-12029	1	13	no	no	DET
fueconorg-12029	1	14	3	3	NUM
fueconorg-12029	1	15	,	,	PUNCT
fueconorg-12029	1	16	2024	2024	NUM
fueconorg-12029	1	17	,	,	PUNCT
fueconorg-12029	1	18	pp	pp	ADJ
fueconorg-12029	1	19	.	.	PUNCT
fueconorg-12029	2	1	185	185	NUM
fueconorg-12029	2	2	201	201	NUM
fueconorg-12029	2	3	https://doi.org/10.22190/fueo230819013	https://doi.org/10.22190/fueo230819013	NOUN
fueconorg-12029	2	4	m	m	NOUN
fueconorg-12029	2	5	©	©	PROPN
fueconorg-12029	2	6	2024	2024	NUM
fueconorg-12029	2	7	by	by	ADP
fueconorg-12029	2	8	university	university	PROPN
fueconorg-12029	2	9	of	of	ADP
fueconorg-12029	2	10	niš	niš	PROPN
fueconorg-12029	2	11	,	,	PUNCT
fueconorg-12029	2	12	serbia	serbia	PROPN
fueconorg-12029	2	13	|	|	ADV
fueconorg-12029	2	14	creative	creative	ADJ
fueconorg-12029	2	15	commons	common	NOUN
fueconorg-12029	2	16	licence	licence	NOUN
fueconorg-12029	2	17	:	:	PUNCT
fueconorg-12029	2	18	cc	cc	VERB
fueconorg-12029	2	19	by	by	ADP
fueconorg-12029	2	20	-	-	PUNCT
fueconorg-12029	2	21	nc	nc	VERB
fueconorg-12029	2	22	-	-	PUNCT
fueconorg-12029	2	23	nd	nd	ADV
fueconorg-12029	2	24	original	original	ADJ
fueconorg-12029	2	25	scientific	scientific	ADJ
fueconorg-12029	2	26	paper	paper	NOUN
fueconorg-12029	2	27	risk	risk	NOUN
fueconorg-12029	2	28	factors	factor	NOUN
fueconorg-12029	2	29	for	for	ADP
fueconorg-12029	2	30	the	the	DET
fueconorg-12029	2	31	occurrence	occurrence	NOUN
fueconorg-12029	2	32	of	of	ADP
fueconorg-12029	2	33	claims	claim	NOUN
fueconorg-12029	2	34	and	and	CCONJ
fueconorg-12029	2	35	the	the	DET
fueconorg-12029	2	36	adequacy	adequacy	NOUN
fueconorg-12029	2	37	of	of	ADP
fueconorg-12029	2	38	non	non	ADJ
fueconorg-12029	2	39	-	-	ADJ
fueconorg-12029	2	40	life	life	ADJ
fueconorg-12029	2	41	insurance	insurance	NOUN
fueconorg-12029	2	42	premiums	premium	NOUN
fueconorg-12029	2	43	udc	udc	NOUN
fueconorg-12029	2	44	368.91	368.91	NUM
fueconorg-12029	2	45	monia	monia	PROPN
fueconorg-12029	2	46	milutinović	milutinović	PROPN
fueconorg-12029	2	47	*	*	PUNCT
fueconorg-12029	2	48	deutsche	deutsche	PROPN
fueconorg-12029	2	49	bank	bank	PROPN
fueconorg-12029	2	50	(	(	PUNCT
fueconorg-12029	2	51	switzerland	switzerland	PROPN
fueconorg-12029	2	52	)	)	PUNCT
fueconorg-12029	2	53	ltd	ltd	PROPN
fueconorg-12029	2	54	.	.	PROPN
fueconorg-12029	2	55	,	,	PUNCT
fueconorg-12029	2	56	zurich	zurich	PROPN
fueconorg-12029	2	57	,	,	PUNCT
fueconorg-12029	3	1	switzerland	switzerland	PROPN
fueconorg-12029	3	2	orcid	orcid	PROPN
fueconorg-12029	4	1	i	i	PRON
fueconorg-12029	4	2	d	d	PROPN
fueconorg-12029	4	3	:	:	PUNCT
fueconorg-12029	4	4	monia	monia	PROPN
fueconorg-12029	4	5	milutinović	milutinović	PROPN
fueconorg-12029	4	6	https://orcid.org/0009-0002-2941-1439	https://orcid.org/0009-0002-2941-1439	PROPN
fueconorg-12029	4	7	abstract	abstract	NOUN
fueconorg-12029	4	8	.	.	PUNCT
fueconorg-12029	5	1	in	in	ADP
fueconorg-12029	5	2	order	order	NOUN
fueconorg-12029	5	3	to	to	PART
fueconorg-12029	5	4	maintain	maintain	VERB
fueconorg-12029	5	5	business	business	NOUN
fueconorg-12029	5	6	stability	stability	NOUN
fueconorg-12029	5	7	and	and	CCONJ
fueconorg-12029	5	8	ensure	ensure	VERB
fueconorg-12029	5	9	the	the	DET
fueconorg-12029	5	10	fulfillment	fulfillment	NOUN
fueconorg-12029	5	11	of	of	ADP
fueconorg-12029	5	12	assumed	assume	VERB
fueconorg-12029	5	13	obligations	obligation	NOUN
fueconorg-12029	5	14	,	,	PUNCT
fueconorg-12029	5	15	insurers	insurer	NOUN
fueconorg-12029	5	16	strive	strive	VERB
fueconorg-12029	5	17	to	to	PART
fueconorg-12029	5	18	establish	establish	VERB
fueconorg-12029	5	19	adequate	adequate	ADJ
fueconorg-12029	5	20	systems	system	NOUN
fueconorg-12029	5	21	for	for	ADP
fueconorg-12029	5	22	identifying	identify	VERB
fueconorg-12029	5	23	and	and	CCONJ
fueconorg-12029	5	24	measuring	measure	VERB
fueconorg-12029	5	25	risks	risk	NOUN
fueconorg-12029	5	26	.	.	PUNCT
fueconorg-12029	6	1	identifying	identify	VERB
fueconorg-12029	6	2	the	the	DET
fueconorg-12029	6	3	sources	source	NOUN
fueconorg-12029	6	4	of	of	ADP
fueconorg-12029	6	5	risk	risk	NOUN
fueconorg-12029	6	6	factors	factor	NOUN
fueconorg-12029	6	7	for	for	ADP
fueconorg-12029	6	8	premium	premium	ADJ
fueconorg-12029	6	9	inadequacy	inadequacy	NOUN
fueconorg-12029	6	10	and	and	CCONJ
fueconorg-12029	6	11	finding	find	VERB
fueconorg-12029	6	12	solutions	solution	NOUN
fueconorg-12029	6	13	to	to	PART
fueconorg-12029	6	14	mitigate	mitigate	VERB
fueconorg-12029	6	15	these	these	DET
fueconorg-12029	6	16	risks	risk	NOUN
fueconorg-12029	6	17	is	be	AUX
fueconorg-12029	6	18	of	of	ADP
fueconorg-12029	6	19	crucial	crucial	ADJ
fueconorg-12029	6	20	importance	importance	NOUN
fueconorg-12029	6	21	for	for	ADP
fueconorg-12029	6	22	the	the	DET
fueconorg-12029	6	23	ability	ability	NOUN
fueconorg-12029	6	24	of	of	ADP
fueconorg-12029	6	25	insurance	insurance	NOUN
fueconorg-12029	6	26	companies	company	NOUN
fueconorg-12029	6	27	to	to	PART
fueconorg-12029	6	28	cover	cover	VERB
fueconorg-12029	6	29	claims	claim	NOUN
fueconorg-12029	6	30	and	and	CCONJ
fueconorg-12029	6	31	ensure	ensure	VERB
fueconorg-12029	6	32	business	business	NOUN
fueconorg-12029	6	33	continuity	continuity	NOUN
fueconorg-12029	6	34	.	.	PUNCT
fueconorg-12029	7	1	therefore	therefore	ADV
fueconorg-12029	7	2	,	,	PUNCT
fueconorg-12029	7	3	the	the	DET
fueconorg-12029	7	4	aim	aim	NOUN
fueconorg-12029	7	5	of	of	ADP
fueconorg-12029	7	6	this	this	DET
fueconorg-12029	7	7	paper	paper	NOUN
fueconorg-12029	7	8	is	be	AUX
fueconorg-12029	7	9	to	to	PART
fueconorg-12029	7	10	demonstrate	demonstrate	VERB
fueconorg-12029	7	11	how	how	SCONJ
fueconorg-12029	7	12	the	the	DET
fueconorg-12029	7	13	occurrence	occurrence	NOUN
fueconorg-12029	7	14	of	of	ADP
fueconorg-12029	7	15	claims	claim	NOUN
fueconorg-12029	7	16	affects	affect	VERB
fueconorg-12029	7	17	premium	premium	ADJ
fueconorg-12029	7	18	adequacy	adequacy	NOUN
fueconorg-12029	7	19	and	and	CCONJ
fueconorg-12029	7	20	to	to	PART
fueconorg-12029	7	21	contribute	contribute	VERB
fueconorg-12029	7	22	to	to	ADP
fueconorg-12029	7	23	the	the	DET
fueconorg-12029	7	24	elimination	elimination	NOUN
fueconorg-12029	7	25	or	or	CCONJ
fueconorg-12029	7	26	mitigation	mitigation	NOUN
fueconorg-12029	7	27	of	of	ADP
fueconorg-12029	7	28	the	the	DET
fueconorg-12029	7	29	risk	risk	NOUN
fueconorg-12029	7	30	of	of	ADP
fueconorg-12029	7	31	premium	premium	ADJ
fueconorg-12029	7	32	insufficiency	insufficiency	NOUN
fueconorg-12029	7	33	.	.	PUNCT
fueconorg-12029	8	1	key	key	ADJ
fueconorg-12029	8	2	words	word	NOUN
fueconorg-12029	8	3	:	:	PUNCT
fueconorg-12029	8	4	claims	claim	NOUN
fueconorg-12029	8	5	(	(	PUNCT
fueconorg-12029	8	6	damages	damage	NOUN
fueconorg-12029	8	7	)	)	PUNCT
fueconorg-12029	8	8	,	,	PUNCT
fueconorg-12029	8	9	premium	premium	NOUN
fueconorg-12029	8	10	,	,	PUNCT
fueconorg-12029	8	11	risk	risk	NOUN
fueconorg-12029	8	12	,	,	PUNCT
fueconorg-12029	8	13	reserves	reserve	NOUN
fueconorg-12029	8	14	,	,	PUNCT
fueconorg-12029	8	15	premium	premium	NOUN
fueconorg-12029	8	16	instability	instability	NOUN
fueconorg-12029	8	17	jel	jel	PROPN
fueconorg-12029	8	18	classification	classification	NOUN
fueconorg-12029	8	19	:	:	PUNCT
fueconorg-12029	8	20	g22	g22	NOUN
fueconorg-12029	8	21	,	,	PUNCT
fueconorg-12029	8	22	g32	g32	NOUN
fueconorg-12029	8	23	1	1	NUM
fueconorg-12029	8	24	.	.	PUNCT
fueconorg-12029	8	25	introduction	introduction	NOUN
fueconorg-12029	8	26	the	the	DET
fueconorg-12029	8	27	business	business	NOUN
fueconorg-12029	8	28	activity	activity	NOUN
fueconorg-12029	8	29	of	of	ADP
fueconorg-12029	8	30	insurance	insurance	NOUN
fueconorg-12029	8	31	companies	company	NOUN
fueconorg-12029	8	32	is	be	AUX
fueconorg-12029	8	33	based	base	VERB
fueconorg-12029	8	34	on	on	ADP
fueconorg-12029	8	35	insurance	insurance	NOUN
fueconorg-12029	8	36	statistics	statistic	NOUN
fueconorg-12029	8	37	.	.	PUNCT
fueconorg-12029	9	1	therefore	therefore	ADV
fueconorg-12029	9	2	,	,	PUNCT
fueconorg-12029	9	3	it	it	PRON
fueconorg-12029	9	4	is	be	AUX
fueconorg-12029	9	5	stated	state	VERB
fueconorg-12029	9	6	that	that	SCONJ
fueconorg-12029	9	7	insurance	insurance	NOUN
fueconorg-12029	9	8	statistics	statistic	NOUN
fueconorg-12029	9	9	is	be	AUX
fueconorg-12029	9	10	the	the	DET
fueconorg-12029	9	11	foundation	foundation	NOUN
fueconorg-12029	9	12	for	for	ADP
fueconorg-12029	9	13	determining	determine	VERB
fueconorg-12029	9	14	the	the	DET
fueconorg-12029	9	15	amount	amount	NOUN
fueconorg-12029	9	16	of	of	ADP
fueconorg-12029	9	17	obligations	obligation	NOUN
fueconorg-12029	9	18	an	an	DET
fueconorg-12029	9	19	insurance	insurance	NOUN
fueconorg-12029	9	20	company	company	NOUN
fueconorg-12029	9	21	has	have	VERB
fueconorg-12029	9	22	toward	toward	ADP
fueconorg-12029	9	23	the	the	DET
fueconorg-12029	9	24	policyholder	policyholder	NOUN
fueconorg-12029	9	25	(	(	PUNCT
fueconorg-12029	9	26	sibindi	sibindi	PROPN
fueconorg-12029	9	27	,	,	PUNCT
fueconorg-12029	9	28	2015	2015	NUM
fueconorg-12029	9	29	)	)	PUNCT
fueconorg-12029	9	30	.	.	PUNCT
fueconorg-12029	10	1	given	give	VERB
fueconorg-12029	10	2	the	the	DET
fueconorg-12029	10	3	vast	vast	ADJ
fueconorg-12029	10	4	amount	amount	NOUN
fueconorg-12029	10	5	of	of	ADP
fueconorg-12029	10	6	statistical	statistical	ADJ
fueconorg-12029	10	7	data	datum	NOUN
fueconorg-12029	10	8	and	and	CCONJ
fueconorg-12029	10	9	the	the	DET
fueconorg-12029	10	10	differences	difference	NOUN
fueconorg-12029	10	11	in	in	ADP
fueconorg-12029	10	12	their	their	PRON
fueconorg-12029	10	13	quality	quality	NOUN
fueconorg-12029	10	14	,	,	PUNCT
fueconorg-12029	10	15	there	there	PRON
fueconorg-12029	10	16	are	be	VERB
fueconorg-12029	10	17	numerous	numerous	ADJ
fueconorg-12029	10	18	topics	topic	NOUN
fueconorg-12029	10	19	that	that	PRON
fueconorg-12029	10	20	can	can	AUX
fueconorg-12029	10	21	be	be	AUX
fueconorg-12029	10	22	discussed	discuss	VERB
fueconorg-12029	10	23	using	use	VERB
fueconorg-12029	10	24	such	such	ADJ
fueconorg-12029	10	25	data	datum	NOUN
fueconorg-12029	10	26	.	.	PUNCT
fueconorg-12029	11	1	considering	consider	VERB
fueconorg-12029	11	2	the	the	DET
fueconorg-12029	11	3	aforementioned	aforementioned	ADJ
fueconorg-12029	11	4	claim	claim	NOUN
fueconorg-12029	11	5	,	,	PUNCT
fueconorg-12029	11	6	all	all	DET
fueconorg-12029	11	7	statistical	statistical	ADJ
fueconorg-12029	11	8	data	datum	NOUN
fueconorg-12029	11	9	can	can	AUX
fueconorg-12029	11	10	be	be	AUX
fueconorg-12029	11	11	classified	classify	VERB
fueconorg-12029	11	12	into	into	ADP
fueconorg-12029	11	13	reporting	report	VERB
fueconorg-12029	11	14	data	datum	NOUN
fueconorg-12029	11	15	and	and	CCONJ
fueconorg-12029	11	16	risk	risk	NOUN
fueconorg-12029	11	17	statistics	statistic	NOUN
fueconorg-12029	11	18	data	data	PROPN
fueconorg-12029	11	19	.	.	PUNCT
fueconorg-12029	12	1	the	the	DET
fueconorg-12029	12	2	task	task	NOUN
fueconorg-12029	12	3	of	of	ADP
fueconorg-12029	12	4	insurance	insurance	NOUN
fueconorg-12029	12	5	reporting	reporting	NOUN
fueconorg-12029	12	6	statistics	statistic	NOUN
fueconorg-12029	12	7	is	be	AUX
fueconorg-12029	12	8	to	to	PART
fueconorg-12029	12	9	collect	collect	VERB
fueconorg-12029	12	10	insurance	insurance	NOUN
fueconorg-12029	12	11	data	datum	NOUN
fueconorg-12029	12	12	,	,	PUNCT
fueconorg-12029	12	13	systematize	systematize	VERB
fueconorg-12029	12	14	it	it	PRON
fueconorg-12029	12	15	,	,	PUNCT
fueconorg-12029	12	16	process	process	VERB
fueconorg-12029	12	17	it	it	PRON
fueconorg-12029	12	18	,	,	PUNCT
fueconorg-12029	12	19	and	and	CCONJ
fueconorg-12029	12	20	produce	produce	VERB
fueconorg-12029	12	21	statistical	statistical	ADJ
fueconorg-12029	12	22	reports	report	NOUN
fueconorg-12029	12	23	in	in	ADP
fueconorg-12029	12	24	a	a	DET
fueconorg-12029	12	25	legally	legally	ADV
fueconorg-12029	12	26	prescribed	prescribe	VERB
fueconorg-12029	12	27	format	format	NOUN
fueconorg-12029	12	28	and	and	CCONJ
fueconorg-12029	12	29	within	within	ADP
fueconorg-12029	12	30	specific	specific	ADJ
fueconorg-12029	12	31	time	time	NOUN
fueconorg-12029	12	32	periods	period	NOUN
fueconorg-12029	12	33	.	.	PUNCT
fueconorg-12029	13	1	since	since	SCONJ
fueconorg-12029	13	2	this	this	DET
fueconorg-12029	13	3	type	type	NOUN
fueconorg-12029	13	4	of	of	ADP
fueconorg-12029	13	5	statistics	statistic	NOUN
fueconorg-12029	13	6	uses	use	VERB
fueconorg-12029	13	7	financial	financial	ADJ
fueconorg-12029	13	8	data	datum	NOUN
fueconorg-12029	13	9	,	,	PUNCT
fueconorg-12029	13	10	there	there	PRON
fueconorg-12029	13	11	is	be	VERB
fueconorg-12029	13	12	the	the	DET
fueconorg-12029	13	13	assertion	assertion	NOUN
fueconorg-12029	13	14	that	that	SCONJ
fueconorg-12029	13	15	statistical	statistical	ADJ
fueconorg-12029	13	16	and	and	CCONJ
fueconorg-12029	13	17	accounting	accounting	NOUN
fueconorg-12029	13	18	financial	financial	ADJ
fueconorg-12029	13	19	reports	report	NOUN
fueconorg-12029	13	20	have	have	AUX
fueconorg-12029	13	21	different	different	ADJ
fueconorg-12029	13	22	objectives	objective	NOUN
fueconorg-12029	13	23	and	and	CCONJ
fueconorg-12029	13	24	will	will	AUX
fueconorg-12029	13	25	never	never	ADV
fueconorg-12029	13	26	be	be	AUX
fueconorg-12029	13	27	received	receive	VERB
fueconorg-12029	13	28	august	august	PROPN
fueconorg-12029	13	29	19	19	NUM
fueconorg-12029	13	30	,	,	PUNCT
fueconorg-12029	13	31	2023	2023	NUM
fueconorg-12029	13	32	/	/	PUNCT
fueconorg-12029	13	33	revised	revise	VERB
fueconorg-12029	13	34	september	september	PROPN
fueconorg-12029	13	35	26	26	NUM
fueconorg-12029	13	36	,	,	PUNCT
fueconorg-12029	13	37	2024	2024	NUM
fueconorg-12029	13	38	/	/	SYM
fueconorg-12029	13	39	revised	revise	VERB
fueconorg-12029	13	40	october	october	PROPN
fueconorg-12029	13	41	29	29	NUM
fueconorg-12029	13	42	,	,	PUNCT
fueconorg-12029	13	43	2024	2024	NUM
fueconorg-12029	13	44	/	/	SYM
fueconorg-12029	13	45	accepted	accept	VERB
fueconorg-12029	13	46	october	october	PROPN
fueconorg-12029	13	47	30	30	NUM
fueconorg-12029	13	48	,	,	PUNCT
fueconorg-12029	13	49	2024	2024	NUM
fueconorg-12029	13	50	corresponding	correspond	VERB
fueconorg-12029	13	51	author	author	NOUN
fueconorg-12029	13	52	:	:	PUNCT
fueconorg-12029	13	53	monia	monia	PROPN
fueconorg-12029	13	54	milutinović	milutinović	PROPN
fueconorg-12029	13	55	deutsche	deutsche	PROPN
fueconorg-12029	13	56	bank	bank	PROPN
fueconorg-12029	13	57	(	(	PUNCT
fueconorg-12029	13	58	switzerland	switzerland	PROPN
fueconorg-12029	13	59	)	)	PUNCT
fueconorg-12029	13	60	ltd	ltd	PROPN
fueconorg-12029	13	61	.	.	PROPN
fueconorg-12029	13	62	,	,	PUNCT
fueconorg-12029	13	63	prime	prime	ADJ
fueconorg-12029	13	64	tower	tower	NOUN
fueconorg-12029	13	65	,	,	PUNCT
fueconorg-12029	13	66	hardstrasse	hardstrasse	PROPN
fueconorg-12029	13	67	201	201	NUM
fueconorg-12029	13	68	,	,	PUNCT
fueconorg-12029	13	69	8021	8021	NUM
fueconorg-12029	13	70	zurich	zurich	PROPN
fueconorg-12029	13	71	,	,	PUNCT
fueconorg-12029	13	72	switzerland	switzerland	PROPN
fueconorg-12029	13	73	e	e	NOUN
fueconorg-12029	13	74	-	-	NOUN
fueconorg-12029	13	75	mail	mail	NOUN
fueconorg-12029	13	76	:	:	PUNCT
fueconorg-12029	13	77	monia_milutinovic@hotmail.com	monia_milutinovic@hotmail.com	X
fueconorg-12029	13	78	*	*	PUNCT
fueconorg-12029	13	79	phd	phd	NOUN
fueconorg-12029	13	80	student	student	NOUN
fueconorg-12029	13	81	at	at	ADP
fueconorg-12029	13	82	faculty	faculty	NOUN
fueconorg-12029	13	83	of	of	ADP
fueconorg-12029	13	84	economics	economic	NOUN
fueconorg-12029	13	85	,	,	PUNCT
fueconorg-12029	13	86	university	university	NOUN
fueconorg-12029	13	87	of	of	ADP
fueconorg-12029	13	88	niš	niš	PROPN
fueconorg-12029	13	89	,	,	PUNCT
fueconorg-12029	13	90	republic	republic	NOUN
fueconorg-12029	13	91	of	of	ADP
fueconorg-12029	13	92	serbia	serbia	PROPN
fueconorg-12029	13	93	https://orcid.org/0009-0002-2941-1439	https://orcid.org/0009-0002-2941-1439	PROPN
fueconorg-12029	13	94	mailto:monia_milutinovic@hotmail.com	mailto:monia_milutinovic@hotmail.com	PROPN
fueconorg-12029	13	95	186	186	NUM
fueconorg-12029	13	96	m.	m.	NOUN
fueconorg-12029	13	97	milutinović	milutinović	NOUN
fueconorg-12029	13	98	fully	fully	ADV
fueconorg-12029	13	99	harmonized	harmonized	ADJ
fueconorg-12029	13	100	.	.	PUNCT
fueconorg-12029	14	1	this	this	PRON
fueconorg-12029	14	2	was	be	AUX
fueconorg-12029	14	3	the	the	DET
fueconorg-12029	14	4	reason	reason	NOUN
fueconorg-12029	14	5	why	why	SCONJ
fueconorg-12029	14	6	,	,	PUNCT
fueconorg-12029	14	7	in	in	ADP
fueconorg-12029	14	8	june	june	PROPN
fueconorg-12029	14	9	2003	2003	NUM
fueconorg-12029	14	10	,	,	PUNCT
fueconorg-12029	14	11	ifac	ifac	NOUN
fueconorg-12029	14	12	initiated	initiate	VERB
fueconorg-12029	14	13	a	a	DET
fueconorg-12029	14	14	meeting	meeting	NOUN
fueconorg-12029	14	15	of	of	ADP
fueconorg-12029	14	16	relevant	relevant	ADJ
fueconorg-12029	14	17	international	international	ADJ
fueconorg-12029	14	18	organizations	organization	NOUN
fueconorg-12029	14	19	to	to	PART
fueconorg-12029	14	20	discuss	discuss	VERB
fueconorg-12029	14	21	(	(	PUNCT
fueconorg-12029	14	22	parry	parry	PROPN
fueconorg-12029	14	23	,	,	PUNCT
fueconorg-12029	14	24	2011	2011	NUM
fueconorg-12029	14	25	,	,	PUNCT
fueconorg-12029	14	26	p.	p.	NOUN
fueconorg-12029	14	27	8)	8)	NUM
fueconorg-12029	14	28	:	:	PUNCT
fueconorg-12029	14	29	▪	▪	X
fueconorg-12029	14	30	the	the	DET
fueconorg-12029	14	31	differences	difference	NOUN
fueconorg-12029	14	32	in	in	ADP
fueconorg-12029	14	33	information	information	NOUN
fueconorg-12029	14	34	reported	report	VERB
fueconorg-12029	14	35	by	by	ADP
fueconorg-12029	14	36	ipsas	ipsa	NOUN
fueconorg-12029	14	37	,	,	PUNCT
fueconorg-12029	14	38	the	the	DET
fueconorg-12029	14	39	imf	imf	PROPN
fueconorg-12029	14	40	,	,	PUNCT
fueconorg-12029	14	41	and	and	CCONJ
fueconorg-12029	14	42	the	the	DET
fueconorg-12029	14	43	statistics	statistic	NOUN
fueconorg-12029	14	44	manual	manual	NOUN
fueconorg-12029	14	45	and	and	CCONJ
fueconorg-12029	14	46	▪	▪	NOUN
fueconorg-12029	14	47	the	the	DET
fueconorg-12029	14	48	necessity	necessity	NOUN
fueconorg-12029	14	49	of	of	ADP
fueconorg-12029	14	50	identifying	identify	VERB
fueconorg-12029	14	51	processes	process	NOUN
fueconorg-12029	14	52	that	that	PRON
fueconorg-12029	14	53	would	would	AUX
fueconorg-12029	14	54	eliminate	eliminate	VERB
fueconorg-12029	14	55	or	or	CCONJ
fueconorg-12029	14	56	reduce	reduce	VERB
fueconorg-12029	14	57	all	all	DET
fueconorg-12029	14	58	forms	form	NOUN
fueconorg-12029	14	59	of	of	ADP
fueconorg-12029	14	60	discrepancies	discrepancy	NOUN
fueconorg-12029	14	61	appearing	appear	VERB
fueconorg-12029	14	62	in	in	ADP
fueconorg-12029	14	63	the	the	DET
fueconorg-12029	14	64	mentioned	mention	VERB
fueconorg-12029	14	65	reports	report	NOUN
fueconorg-12029	14	66	.	.	PUNCT
fueconorg-12029	15	1	in	in	ADP
fueconorg-12029	15	2	the	the	DET
fueconorg-12029	15	3	republic	republic	NOUN
fueconorg-12029	15	4	of	of	ADP
fueconorg-12029	15	5	serbia	serbia	PROPN
fueconorg-12029	15	6	,	,	PUNCT
fueconorg-12029	15	7	the	the	DET
fueconorg-12029	15	8	insurance	insurance	NOUN
fueconorg-12029	15	9	law	law	NOUN
fueconorg-12029	15	10	from	from	ADP
fueconorg-12029	15	11	2004	2004	NUM
fueconorg-12029	15	12	contributed	contribute	VERB
fueconorg-12029	15	13	to	to	ADP
fueconorg-12029	15	14	the	the	DET
fueconorg-12029	15	15	improvement	improvement	NOUN
fueconorg-12029	15	16	of	of	ADP
fueconorg-12029	15	17	reporting	reporting	NOUN
fueconorg-12029	15	18	statistics	statistic	NOUN
fueconorg-12029	15	19	.	.	PUNCT
fueconorg-12029	16	1	namely	namely	ADV
fueconorg-12029	16	2	,	,	PUNCT
fueconorg-12029	16	3	it	it	PRON
fueconorg-12029	16	4	replaced	replace	VERB
fueconorg-12029	16	5	the	the	DET
fueconorg-12029	16	6	previously	previously	ADV
fueconorg-12029	16	7	lax	lax	ADJ
fueconorg-12029	16	8	legal	legal	ADJ
fueconorg-12029	16	9	regulation	regulation	NOUN
fueconorg-12029	16	10	with	with	ADP
fueconorg-12029	16	11	strict	strict	ADJ
fueconorg-12029	16	12	supervision	supervision	NOUN
fueconorg-12029	16	13	by	by	ADP
fueconorg-12029	16	14	the	the	DET
fueconorg-12029	16	15	national	national	PROPN
fueconorg-12029	16	16	bank	bank	PROPN
fueconorg-12029	16	17	of	of	ADP
fueconorg-12029	16	18	serbia	serbia	PROPN
fueconorg-12029	16	19	,	,	PUNCT
fueconorg-12029	16	20	which	which	PRON
fueconorg-12029	16	21	enabled	enable	VERB
fueconorg-12029	16	22	orderly	orderly	ADJ
fueconorg-12029	16	23	and	and	CCONJ
fueconorg-12029	16	24	systematic	systematic	ADJ
fueconorg-12029	16	25	reporting	reporting	NOUN
fueconorg-12029	16	26	.	.	PUNCT
fueconorg-12029	17	1	the	the	DET
fueconorg-12029	17	2	goal	goal	NOUN
fueconorg-12029	17	3	of	of	ADP
fueconorg-12029	17	4	risk	risk	NOUN
fueconorg-12029	17	5	statistics	statistic	NOUN
fueconorg-12029	17	6	is	be	AUX
fueconorg-12029	17	7	to	to	PART
fueconorg-12029	17	8	provide	provide	VERB
fueconorg-12029	17	9	the	the	DET
fueconorg-12029	17	10	insurer	insurer	NOUN
fueconorg-12029	17	11	with	with	ADP
fueconorg-12029	17	12	the	the	DET
fueconorg-12029	17	13	necessary	necessary	ADJ
fueconorg-12029	17	14	information	information	NOUN
fueconorg-12029	17	15	so	so	SCONJ
fueconorg-12029	17	16	as	as	SCONJ
fueconorg-12029	17	17	to	to	PART
fueconorg-12029	17	18	more	more	ADV
fueconorg-12029	17	19	accurately	accurately	ADV
fueconorg-12029	17	20	predict	predict	VERB
fueconorg-12029	17	21	potential	potential	ADJ
fueconorg-12029	17	22	risks	risk	NOUN
fueconorg-12029	17	23	they	they	PRON
fueconorg-12029	17	24	undertake	undertake	VERB
fueconorg-12029	17	25	and	and	CCONJ
fueconorg-12029	17	26	to	to	AUX
fueconorg-12029	17	27	more	more	ADV
fueconorg-12029	17	28	precisely	precisely	ADV
fueconorg-12029	17	29	determine	determine	VERB
fueconorg-12029	17	30	the	the	DET
fueconorg-12029	17	31	amounts	amount	NOUN
fueconorg-12029	17	32	of	of	ADP
fueconorg-12029	17	33	money	money	NOUN
fueconorg-12029	17	34	needed	need	VERB
fueconorg-12029	17	35	in	in	ADP
fueconorg-12029	17	36	the	the	DET
fueconorg-12029	17	37	form	form	NOUN
fueconorg-12029	17	38	of	of	ADP
fueconorg-12029	17	39	premiums	premium	NOUN
fueconorg-12029	17	40	for	for	ADP
fueconorg-12029	17	41	different	different	ADJ
fueconorg-12029	17	42	types	type	NOUN
fueconorg-12029	17	43	of	of	ADP
fueconorg-12029	17	44	insurance	insurance	NOUN
fueconorg-12029	17	45	.	.	PUNCT
fueconorg-12029	18	1	in	in	ADP
fueconorg-12029	18	2	other	other	ADJ
fueconorg-12029	18	3	words	word	NOUN
fueconorg-12029	18	4	,	,	PUNCT
fueconorg-12029	18	5	the	the	DET
fueconorg-12029	18	6	analysis	analysis	NOUN
fueconorg-12029	18	7	of	of	ADP
fueconorg-12029	18	8	past	past	ADJ
fueconorg-12029	18	9	statistical	statistical	ADJ
fueconorg-12029	18	10	data	datum	NOUN
fueconorg-12029	18	11	aims	aim	VERB
fueconorg-12029	18	12	not	not	PART
fueconorg-12029	18	13	only	only	ADV
fueconorg-12029	18	14	to	to	PART
fueconorg-12029	18	15	provide	provide	VERB
fueconorg-12029	18	16	descriptions	description	NOUN
fueconorg-12029	18	17	and	and	CCONJ
fueconorg-12029	18	18	explanations	explanation	NOUN
fueconorg-12029	18	19	of	of	ADP
fueconorg-12029	18	20	specific	specific	ADJ
fueconorg-12029	18	21	phenomena	phenomenon	NOUN
fueconorg-12029	18	22	but	but	CCONJ
fueconorg-12029	18	23	also	also	ADV
fueconorg-12029	18	24	to	to	PART
fueconorg-12029	18	25	enable	enable	VERB
fueconorg-12029	18	26	forecasting	forecast	VERB
fueconorg-12029	18	27	the	the	DET
fueconorg-12029	18	28	magnitude	magnitude	NOUN
fueconorg-12029	18	29	and	and	CCONJ
fueconorg-12029	18	30	dynamics	dynamic	NOUN
fueconorg-12029	18	31	of	of	ADP
fueconorg-12029	18	32	occurrences	occurrence	NOUN
fueconorg-12029	18	33	in	in	ADP
fueconorg-12029	18	34	the	the	DET
fueconorg-12029	18	35	future	future	NOUN
fueconorg-12029	18	36	.	.	PUNCT
fueconorg-12029	19	1	it	it	PRON
fueconorg-12029	19	2	offers	offer	VERB
fueconorg-12029	19	3	clear	clear	ADJ
fueconorg-12029	19	4	and	and	CCONJ
fueconorg-12029	19	5	detailed	detailed	ADJ
fueconorg-12029	19	6	information	information	NOUN
fueconorg-12029	19	7	about	about	ADP
fueconorg-12029	19	8	the	the	DET
fueconorg-12029	19	9	actual	actual	ADJ
fueconorg-12029	19	10	exposure	exposure	NOUN
fueconorg-12029	19	11	of	of	ADP
fueconorg-12029	19	12	the	the	DET
fueconorg-12029	19	13	insurance	insurance	NOUN
fueconorg-12029	19	14	company	company	NOUN
fueconorg-12029	19	15	to	to	ADP
fueconorg-12029	19	16	a	a	DET
fueconorg-12029	19	17	particular	particular	ADJ
fueconorg-12029	19	18	risk	risk	NOUN
fueconorg-12029	19	19	,	,	PUNCT
fueconorg-12029	19	20	as	as	ADV
fueconorg-12029	19	21	well	well	ADV
fueconorg-12029	19	22	as	as	ADP
fueconorg-12029	19	23	about	about	ADP
fueconorg-12029	19	24	the	the	DET
fueconorg-12029	19	25	claims	claim	NOUN
fueconorg-12029	19	26	themselves	themselves	PRON
fueconorg-12029	19	27	(	(	PUNCT
fueconorg-12029	19	28	parkinson	parkinson	NOUN
fueconorg-12029	19	29	,	,	PUNCT
fueconorg-12029	19	30	noble	noble	ADJ
fueconorg-12029	19	31	,	,	PUNCT
fueconorg-12029	19	32	2005	2005	NUM
fueconorg-12029	19	33	)	)	PUNCT
fueconorg-12029	19	34	.	.	PUNCT
fueconorg-12029	20	1	additionally	additionally	ADV
fueconorg-12029	20	2	,	,	PUNCT
fueconorg-12029	20	3	this	this	DET
fueconorg-12029	20	4	type	type	NOUN
fueconorg-12029	20	5	of	of	ADP
fueconorg-12029	20	6	statistics	statistic	NOUN
fueconorg-12029	20	7	involves	involve	VERB
fueconorg-12029	20	8	the	the	DET
fueconorg-12029	20	9	application	application	NOUN
fueconorg-12029	20	10	of	of	ADP
fueconorg-12029	20	11	statistical	statistical	ADJ
fueconorg-12029	20	12	analyses	analysis	NOUN
fueconorg-12029	20	13	and	and	CCONJ
fueconorg-12029	20	14	tests	test	NOUN
fueconorg-12029	20	15	to	to	PART
fueconorg-12029	20	16	monitor	monitor	VERB
fueconorg-12029	20	17	the	the	DET
fueconorg-12029	20	18	correctness	correctness	NOUN
fueconorg-12029	20	19	of	of	ADP
fueconorg-12029	20	20	the	the	DET
fueconorg-12029	20	21	company	company	NOUN
fueconorg-12029	20	22	's	's	PART
fueconorg-12029	20	23	operations	operation	NOUN
fueconorg-12029	20	24	,	,	PUNCT
fueconorg-12029	20	25	as	as	ADV
fueconorg-12029	20	26	well	well	ADV
fueconorg-12029	20	27	as	as	ADP
fueconorg-12029	20	28	the	the	DET
fueconorg-12029	20	29	use	use	NOUN
fueconorg-12029	20	30	of	of	ADP
fueconorg-12029	20	31	various	various	ADJ
fueconorg-12029	20	32	simulation	simulation	NOUN
fueconorg-12029	20	33	methods	method	NOUN
fueconorg-12029	20	34	in	in	ADP
fueconorg-12029	20	35	cases	case	NOUN
fueconorg-12029	20	36	where	where	SCONJ
fueconorg-12029	20	37	there	there	PRON
fueconorg-12029	20	38	is	be	VERB
fueconorg-12029	20	39	no	no	DET
fueconorg-12029	20	40	database	database	NOUN
fueconorg-12029	20	41	available	available	ADJ
fueconorg-12029	20	42	for	for	ADP
fueconorg-12029	20	43	actuarial	actuarial	ADJ
fueconorg-12029	20	44	analysis	analysis	NOUN
fueconorg-12029	20	45	.	.	PUNCT
fueconorg-12029	21	1	considering	consider	VERB
fueconorg-12029	21	2	the	the	DET
fueconorg-12029	21	3	aforementioned	aforementioned	ADJ
fueconorg-12029	21	4	claim	claim	NOUN
fueconorg-12029	21	5	about	about	ADP
fueconorg-12029	21	6	the	the	DET
fueconorg-12029	21	7	numerous	numerous	ADJ
fueconorg-12029	21	8	topics	topic	NOUN
fueconorg-12029	21	9	that	that	PRON
fueconorg-12029	21	10	can	can	AUX
fueconorg-12029	21	11	be	be	AUX
fueconorg-12029	21	12	discussed	discuss	VERB
fueconorg-12029	21	13	using	use	VERB
fueconorg-12029	21	14	insurance	insurance	NOUN
fueconorg-12029	21	15	statistics	statistic	NOUN
fueconorg-12029	21	16	,	,	PUNCT
fueconorg-12029	21	17	the	the	DET
fueconorg-12029	21	18	primary	primary	ADJ
fueconorg-12029	21	19	objective	objective	NOUN
fueconorg-12029	21	20	of	of	ADP
fueconorg-12029	21	21	this	this	DET
fueconorg-12029	21	22	paper	paper	NOUN
fueconorg-12029	21	23	is	be	AUX
fueconorg-12029	21	24	to	to	PART
fueconorg-12029	21	25	determine	determine	VERB
fueconorg-12029	21	26	the	the	DET
fueconorg-12029	21	27	interdependence	interdependence	NOUN
fueconorg-12029	21	28	between	between	ADP
fueconorg-12029	21	29	the	the	DET
fueconorg-12029	21	30	risk	risk	NOUN
fueconorg-12029	21	31	of	of	ADP
fueconorg-12029	21	32	claim	claim	NOUN
fueconorg-12029	21	33	occurrence	occurrence	NOUN
fueconorg-12029	21	34	and	and	CCONJ
fueconorg-12029	21	35	the	the	DET
fueconorg-12029	21	36	adequacy	adequacy	NOUN
fueconorg-12029	21	37	of	of	ADP
fueconorg-12029	21	38	non	non	ADJ
fueconorg-12029	21	39	-	-	ADJ
fueconorg-12029	21	40	life	life	ADJ
fueconorg-12029	21	41	insurance	insurance	NOUN
fueconorg-12029	21	42	premiums	premium	NOUN
fueconorg-12029	21	43	.	.	PUNCT
fueconorg-12029	22	1	specifically	specifically	ADV
fueconorg-12029	22	2	,	,	PUNCT
fueconorg-12029	22	3	an	an	DET
fueconorg-12029	22	4	inadequately	inadequately	ADV
fueconorg-12029	22	5	low	low	ADJ
fueconorg-12029	22	6	premium	premium	NOUN
fueconorg-12029	22	7	leads	lead	VERB
fueconorg-12029	22	8	to	to	ADP
fueconorg-12029	22	9	insufficient	insufficient	ADJ
fueconorg-12029	22	10	technical	technical	ADJ
fueconorg-12029	22	11	reserves	reserve	NOUN
fueconorg-12029	22	12	and	and	CCONJ
fueconorg-12029	22	13	jeopardizes	jeopardize	VERB
fueconorg-12029	22	14	the	the	DET
fueconorg-12029	22	15	continuity	continuity	NOUN
fueconorg-12029	22	16	of	of	ADP
fueconorg-12029	22	17	fulfilling	fulfil	VERB
fueconorg-12029	22	18	obligations	obligation	NOUN
fueconorg-12029	22	19	by	by	ADP
fueconorg-12029	22	20	insurance	insurance	NOUN
fueconorg-12029	22	21	companies	company	NOUN
fueconorg-12029	22	22	.	.	PUNCT
fueconorg-12029	23	1	on	on	ADP
fueconorg-12029	23	2	the	the	DET
fueconorg-12029	23	3	other	other	ADJ
fueconorg-12029	23	4	hand	hand	NOUN
fueconorg-12029	23	5	,	,	PUNCT
fueconorg-12029	23	6	an	an	DET
fueconorg-12029	23	7	excessively	excessively	ADV
fueconorg-12029	23	8	high	high	ADJ
fueconorg-12029	23	9	premium	premium	NOUN
fueconorg-12029	23	10	makes	make	VERB
fueconorg-12029	23	11	the	the	DET
fueconorg-12029	23	12	insurance	insurance	NOUN
fueconorg-12029	23	13	company	company	NOUN
fueconorg-12029	23	14	uncompetitive	uncompetitive	ADJ
fueconorg-12029	23	15	,	,	PUNCT
fueconorg-12029	23	16	leads	lead	VERB
fueconorg-12029	23	17	to	to	ADP
fueconorg-12029	23	18	potential	potential	ADJ
fueconorg-12029	23	19	policy	policy	NOUN
fueconorg-12029	23	20	holders	holder	NOUN
fueconorg-12029	23	21	abandoning	abandon	VERB
fueconorg-12029	23	22	the	the	DET
fueconorg-12029	23	23	purchase	purchase	NOUN
fueconorg-12029	23	24	of	of	ADP
fueconorg-12029	23	25	insurance	insurance	NOUN
fueconorg-12029	23	26	services	service	NOUN
fueconorg-12029	23	27	,	,	PUNCT
fueconorg-12029	23	28	and	and	CCONJ
fueconorg-12029	23	29	results	result	NOUN
fueconorg-12029	23	30	in	in	ADP
fueconorg-12029	23	31	loss	loss	NOUN
fueconorg-12029	23	32	of	of	ADP
fueconorg-12029	23	33	business	business	NOUN
fueconorg-12029	23	34	(	(	PUNCT
fueconorg-12029	23	35	doganjić	doganjić	NOUN
fueconorg-12029	23	36	,	,	PUNCT
fueconorg-12029	23	37	2015	2015	NUM
fueconorg-12029	23	38	,	,	PUNCT
fueconorg-12029	23	39	pp	pp	ADJ
fueconorg-12029	23	40	.	.	PUNCT
fueconorg-12029	24	1	85	85	NUM
fueconorg-12029	24	2	-	-	SYM
fueconorg-12029	24	3	98	98	NUM
fueconorg-12029	24	4	)	)	PUNCT
fueconorg-12029	24	5	.	.	PUNCT
fueconorg-12029	25	1	therefore	therefore	ADV
fueconorg-12029	25	2	,	,	PUNCT
fueconorg-12029	25	3	maintaining	maintain	VERB
fueconorg-12029	25	4	the	the	DET
fueconorg-12029	25	5	risk	risk	NOUN
fueconorg-12029	25	6	of	of	ADP
fueconorg-12029	25	7	premium	premium	ADJ
fueconorg-12029	25	8	adequacy	adequacy	NOUN
fueconorg-12029	25	9	within	within	ADP
fueconorg-12029	25	10	acceptable	acceptable	ADJ
fueconorg-12029	25	11	limits	limit	NOUN
fueconorg-12029	25	12	is	be	AUX
fueconorg-12029	25	13	a	a	DET
fueconorg-12029	25	14	guarantee	guarantee	NOUN
fueconorg-12029	25	15	of	of	ADP
fueconorg-12029	25	16	ensuring	ensure	VERB
fueconorg-12029	25	17	the	the	DET
fueconorg-12029	25	18	continuity	continuity	NOUN
fueconorg-12029	25	19	of	of	ADP
fueconorg-12029	25	20	fulfilling	fulfil	VERB
fueconorg-12029	25	21	the	the	DET
fueconorg-12029	25	22	insurance	insurance	NOUN
fueconorg-12029	25	23	company	company	NOUN
fueconorg-12029	25	24	’s	’s	PART
fueconorg-12029	25	25	obligations	obligation	NOUN
fueconorg-12029	25	26	.	.	PUNCT
fueconorg-12029	26	1	accordingly	accordingly	ADV
fueconorg-12029	26	2	,	,	PUNCT
fueconorg-12029	26	3	the	the	DET
fueconorg-12029	26	4	research	research	NOUN
fueconorg-12029	26	5	in	in	ADP
fueconorg-12029	26	6	this	this	DET
fueconorg-12029	26	7	paper	paper	NOUN
fueconorg-12029	26	8	tested	test	VERB
fueconorg-12029	26	9	the	the	DET
fueconorg-12029	26	10	following	following	ADJ
fueconorg-12029	26	11	hypotheses	hypothesis	NOUN
fueconorg-12029	26	12	:	:	PUNCT
fueconorg-12029	26	13	h1	h1	NOUN
fueconorg-12029	26	14	:	:	PUNCT
fueconorg-12029	26	15	an	an	DET
fueconorg-12029	26	16	important	important	ADJ
fueconorg-12029	26	17	element	element	NOUN
fueconorg-12029	26	18	for	for	ADP
fueconorg-12029	26	19	the	the	DET
fueconorg-12029	26	20	accurate	accurate	ADJ
fueconorg-12029	26	21	calculation	calculation	NOUN
fueconorg-12029	26	22	of	of	ADP
fueconorg-12029	26	23	insurance	insurance	NOUN
fueconorg-12029	26	24	premiums	premium	NOUN
fueconorg-12029	26	25	is	be	AUX
fueconorg-12029	26	26	the	the	DET
fueconorg-12029	26	27	expected	expect	VERB
fueconorg-12029	26	28	value	value	NOUN
fueconorg-12029	26	29	of	of	ADP
fueconorg-12029	26	30	future	future	ADJ
fueconorg-12029	26	31	claims	claim	NOUN
fueconorg-12029	26	32	.	.	PUNCT
fueconorg-12029	27	1	h2	h2	NOUN
fueconorg-12029	27	2	:	:	PUNCT
fueconorg-12029	27	3	considering	consider	VERB
fueconorg-12029	27	4	that	that	SCONJ
fueconorg-12029	27	5	the	the	DET
fueconorg-12029	27	6	primary	primary	ADJ
fueconorg-12029	27	7	function	function	NOUN
fueconorg-12029	27	8	of	of	ADP
fueconorg-12029	27	9	insurance	insurance	NOUN
fueconorg-12029	27	10	is	be	AUX
fueconorg-12029	27	11	to	to	PART
fueconorg-12029	27	12	compensate	compensate	VERB
fueconorg-12029	27	13	the	the	DET
fueconorg-12029	27	14	policyholder	policyholder	NOUN
fueconorg-12029	27	15	for	for	ADP
fueconorg-12029	27	16	claims	claim	NOUN
fueconorg-12029	27	17	,	,	PUNCT
fueconorg-12029	27	18	it	it	PRON
fueconorg-12029	27	19	is	be	AUX
fueconorg-12029	27	20	essential	essential	ADJ
fueconorg-12029	27	21	that	that	SCONJ
fueconorg-12029	27	22	the	the	DET
fueconorg-12029	27	23	insurance	insurance	NOUN
fueconorg-12029	27	24	company	company	NOUN
fueconorg-12029	27	25	always	always	ADV
fueconorg-12029	27	26	has	have	VERB
fueconorg-12029	27	27	the	the	DET
fueconorg-12029	27	28	necessary	necessary	ADJ
fueconorg-12029	27	29	funds	fund	NOUN
fueconorg-12029	27	30	to	to	PART
fueconorg-12029	27	31	meet	meet	VERB
fueconorg-12029	27	32	its	its	PRON
fueconorg-12029	27	33	obligations	obligation	NOUN
fueconorg-12029	27	34	towards	towards	ADP
fueconorg-12029	27	35	the	the	DET
fueconorg-12029	27	36	policyholder	policyholder	NOUN
fueconorg-12029	27	37	.	.	PUNCT
fueconorg-12029	28	1	this	this	PRON
fueconorg-12029	28	2	also	also	ADV
fueconorg-12029	28	3	means	mean	VERB
fueconorg-12029	28	4	that	that	SCONJ
fueconorg-12029	28	5	the	the	DET
fueconorg-12029	28	6	premium	premium	ADJ
fueconorg-12029	28	7	level	level	NOUN
fueconorg-12029	28	8	must	must	AUX
fueconorg-12029	28	9	be	be	AUX
fueconorg-12029	28	10	adequately	adequately	ADV
fueconorg-12029	28	11	determined	determine	VERB
fueconorg-12029	28	12	.	.	PUNCT
fueconorg-12029	29	1	h3	h3	NOUN
fueconorg-12029	29	2	:	:	PUNCT
fueconorg-12029	29	3	it	it	PRON
fueconorg-12029	29	4	is	be	AUX
fueconorg-12029	29	5	possible	possible	ADJ
fueconorg-12029	29	6	to	to	PART
fueconorg-12029	29	7	determine	determine	VERB
fueconorg-12029	29	8	the	the	DET
fueconorg-12029	29	9	individual	individual	ADJ
fueconorg-12029	29	10	impact	impact	NOUN
fueconorg-12029	29	11	of	of	ADP
fueconorg-12029	29	12	the	the	DET
fueconorg-12029	29	13	risk	risk	NOUN
fueconorg-12029	29	14	of	of	ADP
fueconorg-12029	29	15	a	a	DET
fueconorg-12029	29	16	damaging	damaging	ADJ
fueconorg-12029	29	17	event	event	NOUN
fueconorg-12029	29	18	and	and	CCONJ
fueconorg-12029	29	19	the	the	DET
fueconorg-12029	29	20	risk	risk	NOUN
fueconorg-12029	29	21	of	of	ADP
fueconorg-12029	29	22	forming	form	VERB
fueconorg-12029	29	23	technical	technical	ADJ
fueconorg-12029	29	24	reserves	reserve	NOUN
fueconorg-12029	29	25	on	on	ADP
fueconorg-12029	29	26	the	the	DET
fueconorg-12029	29	27	level	level	NOUN
fueconorg-12029	29	28	of	of	ADP
fueconorg-12029	29	29	insurance	insurance	NOUN
fueconorg-12029	29	30	premiums	premium	NOUN
fueconorg-12029	29	31	.	.	PUNCT
fueconorg-12029	30	1	in	in	ADP
fueconorg-12029	30	2	determining	determine	VERB
fueconorg-12029	30	3	the	the	DET
fueconorg-12029	30	4	interdependence	interdependence	NOUN
fueconorg-12029	30	5	between	between	ADP
fueconorg-12029	30	6	claims	claim	NOUN
fueconorg-12029	30	7	and	and	CCONJ
fueconorg-12029	30	8	premiums	premium	NOUN
fueconorg-12029	30	9	,	,	PUNCT
fueconorg-12029	30	10	both	both	CCONJ
fueconorg-12029	30	11	quantitative	quantitative	ADJ
fueconorg-12029	30	12	and	and	CCONJ
fueconorg-12029	30	13	qualitative	qualitative	ADJ
fueconorg-12029	30	14	indicators	indicator	NOUN
fueconorg-12029	30	15	were	be	AUX
fueconorg-12029	30	16	used	use	VERB
fueconorg-12029	30	17	,	,	PUNCT
fueconorg-12029	30	18	and	and	CCONJ
fueconorg-12029	30	19	relevant	relevant	ADJ
fueconorg-12029	30	20	literature	literature	NOUN
fueconorg-12029	30	21	was	be	AUX
fueconorg-12029	30	22	consulted	consult	VERB
fueconorg-12029	30	23	.	.	PUNCT
fueconorg-12029	31	1	the	the	DET
fueconorg-12029	31	2	structure	structure	NOUN
fueconorg-12029	31	3	of	of	ADP
fueconorg-12029	31	4	the	the	DET
fueconorg-12029	31	5	paper	paper	NOUN
fueconorg-12029	31	6	consists	consist	VERB
fueconorg-12029	31	7	of	of	ADP
fueconorg-12029	31	8	five	five	NUM
fueconorg-12029	31	9	sections	section	NOUN
fueconorg-12029	31	10	.	.	PUNCT
fueconorg-12029	32	1	following	follow	VERB
fueconorg-12029	32	2	the	the	DET
fueconorg-12029	32	3	introductory	introductory	ADJ
fueconorg-12029	32	4	considerations	consideration	NOUN
fueconorg-12029	32	5	,	,	PUNCT
fueconorg-12029	32	6	the	the	DET
fueconorg-12029	32	7	second	second	ADJ
fueconorg-12029	32	8	part	part	NOUN
fueconorg-12029	32	9	provides	provide	VERB
fueconorg-12029	32	10	an	an	DET
fueconorg-12029	32	11	overview	overview	NOUN
fueconorg-12029	32	12	of	of	ADP
fueconorg-12029	32	13	theoretical	theoretical	ADJ
fueconorg-12029	32	14	discussions	discussion	NOUN
fueconorg-12029	32	15	and	and	CCONJ
fueconorg-12029	32	16	existing	exist	VERB
fueconorg-12029	32	17	research	research	NOUN
fueconorg-12029	32	18	on	on	ADP
fueconorg-12029	32	19	the	the	DET
fueconorg-12029	32	20	interdependence	interdependence	NOUN
fueconorg-12029	32	21	between	between	ADP
fueconorg-12029	32	22	the	the	DET
fueconorg-12029	32	23	risk	risk	NOUN
fueconorg-12029	32	24	of	of	ADP
fueconorg-12029	32	25	claim	claim	NOUN
fueconorg-12029	32	26	occurrence	occurrence	NOUN
fueconorg-12029	32	27	and	and	CCONJ
fueconorg-12029	32	28	the	the	DET
fueconorg-12029	32	29	adequacy	adequacy	NOUN
fueconorg-12029	32	30	of	of	ADP
fueconorg-12029	32	31	premiums	premium	NOUN
fueconorg-12029	32	32	.	.	PUNCT
fueconorg-12029	33	1	the	the	DET
fueconorg-12029	33	2	third	third	ADJ
fueconorg-12029	33	3	part	part	NOUN
fueconorg-12029	33	4	focuses	focus	VERB
fueconorg-12029	33	5	on	on	ADP
fueconorg-12029	33	6	the	the	DET
fueconorg-12029	33	7	methodology	methodology	NOUN
fueconorg-12029	33	8	for	for	ADP
fueconorg-12029	33	9	calculating	calculate	VERB
fueconorg-12029	33	10	premiums	premium	NOUN
fueconorg-12029	33	11	,	,	PUNCT
fueconorg-12029	33	12	which	which	PRON
fueconorg-12029	33	13	includes	include	VERB
fueconorg-12029	33	14	the	the	DET
fueconorg-12029	33	15	basic	basic	ADJ
fueconorg-12029	33	16	insurance	insurance	NOUN
fueconorg-12029	33	17	risks	risk	NOUN
fueconorg-12029	33	18	.	.	PUNCT
fueconorg-12029	34	1	given	give	VERB
fueconorg-12029	34	2	that	that	SCONJ
fueconorg-12029	34	3	the	the	DET
fueconorg-12029	34	4	paper	paper	NOUN
fueconorg-12029	34	5	,	,	PUNCT
fueconorg-12029	34	6	apart	apart	ADV
fueconorg-12029	34	7	from	from	ADP
fueconorg-12029	34	8	theoretical	theoretical	ADJ
fueconorg-12029	34	9	,	,	PUNCT
fueconorg-12029	34	10	also	also	ADV
fueconorg-12029	34	11	includes	include	VERB
fueconorg-12029	34	12	a	a	DET
fueconorg-12029	34	13	practical	practical	ADJ
fueconorg-12029	34	14	section	section	NOUN
fueconorg-12029	34	15	related	relate	VERB
fueconorg-12029	34	16	to	to	ADP
fueconorg-12029	34	17	the	the	DET
fueconorg-12029	34	18	insurance	insurance	NOUN
fueconorg-12029	34	19	industry	industry	NOUN
fueconorg-12029	34	20	for	for	ADP
fueconorg-12029	34	21	auto	auto	NOUN
fueconorg-12029	34	22	risk	risk	NOUN
fueconorg-12029	34	23	factors	factor	NOUN
fueconorg-12029	34	24	for	for	ADP
fueconorg-12029	34	25	the	the	DET
fueconorg-12029	34	26	occurrence	occurrence	NOUN
fueconorg-12029	34	27	of	of	ADP
fueconorg-12029	34	28	claims	claim	NOUN
fueconorg-12029	34	29	and	and	CCONJ
fueconorg-12029	34	30	the	the	DET
fueconorg-12029	34	31	adequacy	adequacy	NOUN
fueconorg-12029	34	32	of	of	ADP
fueconorg-12029	34	33	non	non	ADJ
fueconorg-12029	34	34	-	-	ADJ
fueconorg-12029	34	35	life	life	ADJ
fueconorg-12029	34	36	insurance	insurance	NOUN
fueconorg-12029	34	37	premiums	premium	NOUN
fueconorg-12029	34	38	187	187	NUM
fueconorg-12029	34	39	liability	liability	NOUN
fueconorg-12029	34	40	risks	risk	NOUN
fueconorg-12029	34	41	,	,	PUNCT
fueconorg-12029	34	42	the	the	DET
fueconorg-12029	34	43	fourth	fourth	ADJ
fueconorg-12029	34	44	part	part	NOUN
fueconorg-12029	34	45	presents	present	VERB
fueconorg-12029	34	46	a	a	DET
fueconorg-12029	34	47	practical	practical	ADJ
fueconorg-12029	34	48	example	example	NOUN
fueconorg-12029	34	49	,	,	PUNCT
fueconorg-12029	34	50	using	use	VERB
fueconorg-12029	34	51	data	datum	NOUN
fueconorg-12029	34	52	from	from	ADP
fueconorg-12029	34	53	the	the	DET
fueconorg-12029	34	54	national	national	PROPN
fueconorg-12029	34	55	bank	bank	PROPN
fueconorg-12029	34	56	of	of	ADP
fueconorg-12029	34	57	serbia	serbia	PROPN
fueconorg-12029	34	58	,	,	PUNCT
fueconorg-12029	34	59	to	to	PART
fueconorg-12029	34	60	perform	perform	VERB
fueconorg-12029	34	61	the	the	DET
fueconorg-12029	34	62	necessary	necessary	ADJ
fueconorg-12029	34	63	calculations	calculation	NOUN
fueconorg-12029	34	64	that	that	PRON
fueconorg-12029	34	65	support	support	VERB
fueconorg-12029	34	66	the	the	DET
fueconorg-12029	34	67	proposed	propose	VERB
fueconorg-12029	34	68	hypotheses	hypothesis	NOUN
fueconorg-12029	34	69	.	.	PUNCT
fueconorg-12029	35	1	the	the	DET
fueconorg-12029	35	2	final	final	ADJ
fueconorg-12029	35	3	part	part	NOUN
fueconorg-12029	35	4	,	,	PUNCT
fueconorg-12029	35	5	as	as	ADP
fueconorg-12029	35	6	the	the	DET
fueconorg-12029	35	7	fifth	fifth	ADJ
fueconorg-12029	35	8	section	section	NOUN
fueconorg-12029	35	9	,	,	PUNCT
fueconorg-12029	35	10	summarizes	summarize	VERB
fueconorg-12029	35	11	the	the	DET
fueconorg-12029	35	12	research	research	NOUN
fueconorg-12029	35	13	findings	finding	NOUN
fueconorg-12029	35	14	.	.	PUNCT
fueconorg-12029	36	1	2	2	X
fueconorg-12029	36	2	.	.	X
fueconorg-12029	36	3	interindependece	interindependece	NOUN
fueconorg-12029	36	4	of	of	ADP
fueconorg-12029	36	5	claims	claim	NOUN
fueconorg-12029	36	6	and	and	CCONJ
fueconorg-12029	36	7	premiums	premium	NOUN
fueconorg-12029	36	8	the	the	DET
fueconorg-12029	36	9	expected	expect	VERB
fueconorg-12029	36	10	value	value	NOUN
fueconorg-12029	36	11	of	of	ADP
fueconorg-12029	36	12	future	future	ADJ
fueconorg-12029	36	13	claims	claim	NOUN
fueconorg-12029	36	14	is	be	AUX
fueconorg-12029	36	15	a	a	DET
fueconorg-12029	36	16	significant	significant	ADJ
fueconorg-12029	36	17	element	element	NOUN
fueconorg-12029	36	18	for	for	ADP
fueconorg-12029	36	19	the	the	DET
fueconorg-12029	36	20	adequate	adequate	ADJ
fueconorg-12029	36	21	calculation	calculation	NOUN
fueconorg-12029	36	22	of	of	ADP
fueconorg-12029	36	23	insurance	insurance	NOUN
fueconorg-12029	36	24	premiums	premium	NOUN
fueconorg-12029	36	25	.	.	PUNCT
fueconorg-12029	37	1	however	however	ADV
fueconorg-12029	37	2	,	,	PUNCT
fueconorg-12029	37	3	in	in	ADP
fueconorg-12029	37	4	many	many	ADJ
fueconorg-12029	37	5	cases	case	NOUN
fueconorg-12029	37	6	,	,	PUNCT
fueconorg-12029	37	7	the	the	DET
fueconorg-12029	37	8	incurred	incur	VERB
fueconorg-12029	37	9	claims	claim	NOUN
fueconorg-12029	37	10	can	can	AUX
fueconorg-12029	37	11	not	not	PART
fueconorg-12029	37	12	be	be	AUX
fueconorg-12029	37	13	accepted	accept	VERB
fueconorg-12029	37	14	as	as	ADP
fueconorg-12029	37	15	an	an	DET
fueconorg-12029	37	16	estimate	estimate	NOUN
fueconorg-12029	37	17	of	of	ADP
fueconorg-12029	37	18	the	the	DET
fueconorg-12029	37	19	final	final	ADJ
fueconorg-12029	37	20	amount	amount	NOUN
fueconorg-12029	37	21	of	of	ADP
fueconorg-12029	37	22	losses	loss	NOUN
fueconorg-12029	37	23	from	from	ADP
fueconorg-12029	37	24	claims	claim	NOUN
fueconorg-12029	37	25	.	.	PUNCT
fueconorg-12029	38	1	the	the	DET
fueconorg-12029	38	2	reasons	reason	NOUN
fueconorg-12029	38	3	are	be	AUX
fueconorg-12029	38	4	numerous	numerous	ADJ
fueconorg-12029	38	5	.	.	PUNCT
fueconorg-12029	39	1	for	for	ADP
fueconorg-12029	39	2	example	example	NOUN
fueconorg-12029	39	3	,	,	PUNCT
fueconorg-12029	39	4	there	there	PRON
fueconorg-12029	39	5	is	be	VERB
fueconorg-12029	39	6	the	the	DET
fueconorg-12029	39	7	possibility	possibility	NOUN
fueconorg-12029	39	8	of	of	ADP
fueconorg-12029	39	9	reopening	reopen	VERB
fueconorg-12029	39	10	already	already	ADV
fueconorg-12029	39	11	settled	settle	VERB
fueconorg-12029	39	12	claims	claim	NOUN
fueconorg-12029	39	13	(	(	PUNCT
fueconorg-12029	39	14	see	see	VERB
fueconorg-12029	39	15	figure	figure	NOUN
fueconorg-12029	39	16	1	1	NUM
fueconorg-12029	39	17	)	)	PUNCT
fueconorg-12029	39	18	,	,	PUNCT
fueconorg-12029	39	19	or	or	CCONJ
fueconorg-12029	39	20	insufficient	insufficient	ADJ
fueconorg-12029	39	21	funds	fund	NOUN
fueconorg-12029	39	22	have	have	AUX
fueconorg-12029	39	23	been	be	AUX
fueconorg-12029	39	24	reserved	reserve	VERB
fueconorg-12029	39	25	for	for	ADP
fueconorg-12029	39	26	reported	report	VERB
fueconorg-12029	39	27	and	and	CCONJ
fueconorg-12029	39	28	unreported	unreported	ADJ
fueconorg-12029	39	29	claims	claim	NOUN
fueconorg-12029	39	30	(	(	PUNCT
fueconorg-12029	39	31	see	see	VERB
fueconorg-12029	39	32	figure	figure	NOUN
fueconorg-12029	39	33	2	2	NUM
fueconorg-12029	39	34	)	)	PUNCT
fueconorg-12029	39	35	.	.	PUNCT
fueconorg-12029	40	1	ibner	ibner	PROPN
fueconorg-12029	40	2	incurred	incur	VERB
fueconorg-12029	40	3	but	but	CCONJ
fueconorg-12029	40	4	not	not	PART
fueconorg-12029	40	5	enough	enough	ADV
fueconorg-12029	40	6	reported	report	VERB
fueconorg-12029	40	7	ibnr	ibnr	ADJ
fueconorg-12029	40	8	–	–	PUNCT
fueconorg-12029	40	9	incurred	incur	VERB
fueconorg-12029	40	10	but	but	CCONJ
fueconorg-12029	40	11	not	not	PART
fueconorg-12029	40	12	reported	report	VERB
fueconorg-12029	40	13	fig	fig	NOUN
fueconorg-12029	40	14	.	.	PUNCT
fueconorg-12029	41	1	1	1	NUM
fueconorg-12029	41	2	structure	structure	NOUN
fueconorg-12029	41	3	of	of	ADP
fueconorg-12029	41	4	incurred	incur	VERB
fueconorg-12029	41	5	claims	claim	NOUN
fueconorg-12029	41	6	source	source	NOUN
fueconorg-12029	41	7	:	:	PUNCT
fueconorg-12029	41	8	pavlović	pavlović	PROPN
fueconorg-12029	41	9	b.	b.	PROPN
fueconorg-12029	41	10	,	,	PUNCT
fueconorg-12029	41	11	2010	2010	NUM
fueconorg-12029	41	12	,	,	PUNCT
fueconorg-12029	41	13	p.	p.	NOUN
fueconorg-12029	41	14	239	239	NUM
fueconorg-12029	41	15	-	-	SYM
fueconorg-12029	41	16	260	260	NUM
fueconorg-12029	41	17	fig	fig	NOUN
fueconorg-12029	41	18	.	.	PUNCT
fueconorg-12029	42	1	2	2	NUM
fueconorg-12029	42	2	technical	technical	ADJ
fueconorg-12029	42	3	reserves	reserve	NOUN
fueconorg-12029	42	4	for	for	ADP
fueconorg-12029	42	5	non	non	ADJ
fueconorg-12029	42	6	-	-	ADJ
fueconorg-12029	42	7	life	life	ADJ
fueconorg-12029	42	8	insurance	insurance	NOUN
fueconorg-12029	42	9	188	188	NUM
fueconorg-12029	42	10	m.	m.	NOUN
fueconorg-12029	42	11	milutinović	milutinović	NOUN
fueconorg-12029	42	12	additionally	additionally	ADV
fueconorg-12029	42	13	,	,	PUNCT
fueconorg-12029	42	14	different	different	ADJ
fueconorg-12029	42	15	risk	risk	NOUN
fueconorg-12029	42	16	communities	community	NOUN
fueconorg-12029	42	17	have	have	VERB
fueconorg-12029	42	18	varying	vary	VERB
fueconorg-12029	42	19	conditions	condition	NOUN
fueconorg-12029	42	20	,	,	PUNCT
fueconorg-12029	42	21	and	and	CCONJ
fueconorg-12029	42	22	therefore	therefore	ADV
fueconorg-12029	42	23	,	,	PUNCT
fueconorg-12029	42	24	the	the	DET
fueconorg-12029	42	25	data	datum	NOUN
fueconorg-12029	42	26	on	on	ADP
fueconorg-12029	42	27	claims	claim	NOUN
fueconorg-12029	42	28	alone	alone	ADV
fueconorg-12029	42	29	are	be	AUX
fueconorg-12029	42	30	often	often	ADV
fueconorg-12029	42	31	insufficient	insufficient	ADJ
fueconorg-12029	42	32	and	and	CCONJ
fueconorg-12029	42	33	not	not	PART
fueconorg-12029	42	34	relevant	relevant	ADJ
fueconorg-12029	42	35	.	.	PUNCT
fueconorg-12029	43	1	by	by	ADP
fueconorg-12029	43	2	examining	examine	VERB
fueconorg-12029	43	3	figure	figure	NOUN
fueconorg-12029	43	4	3	3	NUM
fueconorg-12029	43	5	,	,	PUNCT
fueconorg-12029	43	6	it	it	PRON
fueconorg-12029	43	7	can	can	AUX
fueconorg-12029	43	8	be	be	AUX
fueconorg-12029	43	9	observed	observe	VERB
fueconorg-12029	43	10	that	that	SCONJ
fueconorg-12029	43	11	the	the	DET
fueconorg-12029	43	12	function	function	NOUN
fueconorg-12029	43	13	of	of	ADP
fueconorg-12029	43	14	paid	pay	VERB
fueconorg-12029	43	15	claims	claim	NOUN
fueconorg-12029	43	16	(	(	PUNCT
fueconorg-12029	43	17	pc	pc	NOUN
fueconorg-12029	43	18	)	)	PUNCT
fueconorg-12029	43	19	and	and	CCONJ
fueconorg-12029	43	20	incurred	incurred	ADJ
fueconorg-12029	43	21	claims	claim	NOUN
fueconorg-12029	43	22	(	(	PUNCT
fueconorg-12029	43	23	ic	ic	X
fueconorg-12029	43	24	)	)	PUNCT
fueconorg-12029	43	25	gradually	gradually	ADV
fueconorg-12029	43	26	converge	converge	VERB
fueconorg-12029	43	27	and	and	CCONJ
fueconorg-12029	43	28	eventually	eventually	ADV
fueconorg-12029	43	29	merge	merge	VERB
fueconorg-12029	43	30	at	at	ADP
fueconorg-12029	43	31	point	point	NOUN
fueconorg-12029	43	32	l	l	NOUN
fueconorg-12029	43	33	-	-	NOUN
fueconorg-12029	43	34	ult	ult	NOUN
fueconorg-12029	43	35	,	,	PUNCT
fueconorg-12029	43	36	which	which	PRON
fueconorg-12029	43	37	represents	represent	VERB
fueconorg-12029	43	38	the	the	DET
fueconorg-12029	43	39	final	final	ADJ
fueconorg-12029	43	40	amount	amount	NOUN
fueconorg-12029	43	41	of	of	ADP
fueconorg-12029	43	42	claims	claim	NOUN
fueconorg-12029	43	43	.	.	PUNCT
fueconorg-12029	44	1	this	this	DET
fueconorg-12029	44	2	problem	problem	NOUN
fueconorg-12029	44	3	is	be	AUX
fueconorg-12029	44	4	particularly	particularly	ADV
fueconorg-12029	44	5	pronounced	pronounce	VERB
fueconorg-12029	44	6	in	in	ADP
fueconorg-12029	44	7	types	type	NOUN
fueconorg-12029	44	8	of	of	ADP
fueconorg-12029	44	9	insurance	insurance	NOUN
fueconorg-12029	44	10	characterized	characterize	VERB
fueconorg-12029	44	11	by	by	ADP
fueconorg-12029	44	12	a	a	DET
fueconorg-12029	44	13	long	long	ADJ
fueconorg-12029	44	14	period	period	NOUN
fueconorg-12029	44	15	between	between	ADP
fueconorg-12029	44	16	the	the	DET
fueconorg-12029	44	17	incurrence	incurrence	NOUN
fueconorg-12029	44	18	of	of	ADP
fueconorg-12029	44	19	the	the	DET
fueconorg-12029	44	20	claim	claim	NOUN
fueconorg-12029	44	21	and	and	CCONJ
fueconorg-12029	44	22	its	its	PRON
fueconorg-12029	44	23	settlement	settlement	NOUN
fueconorg-12029	44	24	.	.	PUNCT
fueconorg-12029	45	1	the	the	DET
fueconorg-12029	45	2	logical	logical	ADJ
fueconorg-12029	45	3	conclusion	conclusion	NOUN
fueconorg-12029	45	4	is	be	AUX
fueconorg-12029	45	5	that	that	SCONJ
fueconorg-12029	45	6	accurately	accurately	ADV
fueconorg-12029	45	7	estimating	estimate	VERB
fueconorg-12029	45	8	the	the	DET
fueconorg-12029	45	9	final	final	ADJ
fueconorg-12029	45	10	amounts	amount	NOUN
fueconorg-12029	45	11	of	of	ADP
fueconorg-12029	45	12	claims	claim	NOUN
fueconorg-12029	45	13	is	be	AUX
fueconorg-12029	45	14	complex	complex	ADJ
fueconorg-12029	45	15	and	and	CCONJ
fueconorg-12029	45	16	that	that	SCONJ
fueconorg-12029	45	17	sometimes	sometimes	ADV
fueconorg-12029	45	18	available	available	ADJ
fueconorg-12029	45	19	statistical	statistical	ADJ
fueconorg-12029	45	20	data	datum	NOUN
fueconorg-12029	45	21	are	be	AUX
fueconorg-12029	45	22	insufficient	insufficient	ADJ
fueconorg-12029	45	23	and	and	CCONJ
fueconorg-12029	45	24	inadequate	inadequate	ADJ
fueconorg-12029	45	25	for	for	ADP
fueconorg-12029	45	26	determining	determine	VERB
fueconorg-12029	45	27	the	the	DET
fueconorg-12029	45	28	portion	portion	NOUN
fueconorg-12029	45	29	of	of	ADP
fueconorg-12029	45	30	the	the	DET
fueconorg-12029	45	31	premium	premium	NOUN
fueconorg-12029	45	32	intended	intend	VERB
fueconorg-12029	45	33	for	for	ADP
fueconorg-12029	45	34	claims	claim	NOUN
fueconorg-12029	45	35	payments	payment	NOUN
fueconorg-12029	45	36	.	.	PUNCT
fueconorg-12029	46	1	fig	fig	NOUN
fueconorg-12029	46	2	.	.	PUNCT
fueconorg-12029	47	1	3	3	NUM
fueconorg-12029	47	2	ratio	ratio	NOUN
fueconorg-12029	47	3	of	of	ADP
fueconorg-12029	47	4	reserved	reserve	VERB
fueconorg-12029	47	5	to	to	PART
fueconorg-12029	47	6	settled	settle	VERB
fueconorg-12029	47	7	claims	claim	NOUN
fueconorg-12029	47	8	source	source	NOUN
fueconorg-12029	47	9	:	:	PUNCT
fueconorg-12029	47	10	pavlović	pavlović	NOUN
fueconorg-12029	47	11	,	,	PUNCT
fueconorg-12029	47	12	2010	2010	NUM
fueconorg-12029	47	13	,	,	PUNCT
fueconorg-12029	47	14	p.	p.	NOUN
fueconorg-12029	47	15	239	239	NUM
fueconorg-12029	47	16	-	-	SYM
fueconorg-12029	47	17	260	260	NUM
fueconorg-12029	47	18	in	in	ADP
fueconorg-12029	47	19	recent	recent	ADJ
fueconorg-12029	47	20	decades	decade	NOUN
fueconorg-12029	47	21	,	,	PUNCT
fueconorg-12029	47	22	there	there	PRON
fueconorg-12029	47	23	has	have	AUX
fueconorg-12029	47	24	been	be	AUX
fueconorg-12029	47	25	a	a	DET
fueconorg-12029	47	26	noticeable	noticeable	ADJ
fueconorg-12029	47	27	trend	trend	NOUN
fueconorg-12029	47	28	of	of	ADP
fueconorg-12029	47	29	increasing	increase	VERB
fueconorg-12029	47	30	economic	economic	ADJ
fueconorg-12029	47	31	losses	loss	NOUN
fueconorg-12029	47	32	resulting	result	VERB
fueconorg-12029	47	33	from	from	ADP
fueconorg-12029	47	34	catastrophic	catastrophic	ADJ
fueconorg-12029	47	35	events	event	NOUN
fueconorg-12029	47	36	.	.	PUNCT
fueconorg-12029	48	1	their	their	PRON
fueconorg-12029	48	2	characteristics	characteristic	NOUN
fueconorg-12029	48	3	are	be	AUX
fueconorg-12029	48	4	high	high	ADJ
fueconorg-12029	48	5	amounts	amount	NOUN
fueconorg-12029	48	6	of	of	ADP
fueconorg-12029	48	7	claims	claim	NOUN
fueconorg-12029	48	8	and	and	CCONJ
fueconorg-12029	48	9	low	low	ADJ
fueconorg-12029	48	10	frequency	frequency	NOUN
fueconorg-12029	48	11	.	.	PUNCT
fueconorg-12029	49	1	as	as	ADP
fueconorg-12029	49	2	such	such	ADJ
fueconorg-12029	49	3	,	,	PUNCT
fueconorg-12029	49	4	these	these	DET
fueconorg-12029	49	5	events	event	NOUN
fueconorg-12029	49	6	negatively	negatively	ADV
fueconorg-12029	49	7	affect	affect	VERB
fueconorg-12029	49	8	the	the	DET
fueconorg-12029	49	9	accuracy	accuracy	NOUN
fueconorg-12029	49	10	of	of	ADP
fueconorg-12029	49	11	insurance	insurance	NOUN
fueconorg-12029	49	12	premium	premium	NOUN
fueconorg-12029	49	13	forecasting	forecasting	NOUN
fueconorg-12029	49	14	.	.	PUNCT
fueconorg-12029	50	1	namely	namely	ADV
fueconorg-12029	50	2	,	,	PUNCT
fueconorg-12029	50	3	they	they	PRON
fueconorg-12029	50	4	distort	distort	VERB
fueconorg-12029	50	5	the	the	DET
fueconorg-12029	50	6	loss	loss	NOUN
fueconorg-12029	50	7	distribution	distribution	NOUN
fueconorg-12029	50	8	approximated	approximate	VERB
fueconorg-12029	50	9	by	by	ADP
fueconorg-12029	50	10	exact	exact	ADJ
fueconorg-12029	50	11	data	datum	NOUN
fueconorg-12029	50	12	from	from	ADP
fueconorg-12029	50	13	the	the	DET
fueconorg-12029	50	14	risk	risk	NOUN
fueconorg-12029	50	15	group	group	NOUN
fueconorg-12029	50	16	where	where	SCONJ
fueconorg-12029	50	17	the	the	DET
fueconorg-12029	50	18	catastrophic	catastrophic	ADJ
fueconorg-12029	50	19	event	event	NOUN
fueconorg-12029	50	20	occurred	occur	VERB
fueconorg-12029	50	21	.	.	PUNCT
fueconorg-12029	51	1	therefore	therefore	ADV
fueconorg-12029	51	2	,	,	PUNCT
fueconorg-12029	51	3	stochastic	stochastic	ADJ
fueconorg-12029	51	4	methods	method	NOUN
fueconorg-12029	51	5	and	and	CCONJ
fueconorg-12029	51	6	probability	probability	NOUN
fueconorg-12029	51	7	theory	theory	NOUN
fueconorg-12029	51	8	are	be	AUX
fueconorg-12029	51	9	used	use	VERB
fueconorg-12029	51	10	for	for	ADP
fueconorg-12029	51	11	assessing	assess	VERB
fueconorg-12029	51	12	the	the	DET
fueconorg-12029	51	13	insurance	insurance	NOUN
fueconorg-12029	51	14	premiums	premium	NOUN
fueconorg-12029	51	15	for	for	ADP
fueconorg-12029	51	16	catastrophic	catastrophic	ADJ
fueconorg-12029	51	17	risks	risk	NOUN
fueconorg-12029	51	18	.	.	PUNCT
fueconorg-12029	52	1	one	one	NUM
fueconorg-12029	52	2	category	category	NOUN
fueconorg-12029	52	3	of	of	ADP
fueconorg-12029	52	4	these	these	DET
fueconorg-12029	52	5	models	model	NOUN
fueconorg-12029	52	6	includes	include	VERB
fueconorg-12029	52	7	nat	nat	PROPN
fueconorg-12029	52	8	cat	cat	NOUN
fueconorg-12029	52	9	probabilistic	probabilistic	ADJ
fueconorg-12029	52	10	models	model	NOUN
fueconorg-12029	52	11	,	,	PUNCT
fueconorg-12029	52	12	which	which	PRON
fueconorg-12029	52	13	comprise	comprise	VERB
fueconorg-12029	52	14	the	the	DET
fueconorg-12029	52	15	following	follow	VERB
fueconorg-12029	52	16	modules	module	NOUN
fueconorg-12029	52	17	:	:	PUNCT
fueconorg-12029	52	18	event	event	NOUN
fueconorg-12029	52	19	generator	generator	NOUN
fueconorg-12029	52	20	,	,	PUNCT
fueconorg-12029	52	21	claim	claim	VERB
fueconorg-12029	52	22	intensity	intensity	NOUN
fueconorg-12029	52	23	assessment	assessment	NOUN
fueconorg-12029	52	24	,	,	PUNCT
fueconorg-12029	52	25	exposure	exposure	NOUN
fueconorg-12029	52	26	database	database	NOUN
fueconorg-12029	52	27	,	,	PUNCT
fueconorg-12029	52	28	physical	physical	ADJ
fueconorg-12029	52	29	claim	claim	NOUN
fueconorg-12029	52	30	assessment	assessment	NOUN
fueconorg-12029	52	31	,	,	PUNCT
fueconorg-12029	52	32	and	and	CCONJ
fueconorg-12029	52	33	assessment	assessment	NOUN
fueconorg-12029	52	34	of	of	ADP
fueconorg-12029	52	35	claims	claim	NOUN
fueconorg-12029	52	36	covered	cover	VERB
fueconorg-12029	52	37	by	by	ADP
fueconorg-12029	52	38	insurance	insurance	NOUN
fueconorg-12029	52	39	(	(	PUNCT
fueconorg-12029	52	40	doganjić	doganjić	PROPN
fueconorg-12029	52	41	j.	j.	PROPN
fueconorg-12029	52	42	,	,	PUNCT
fueconorg-12029	52	43	2018	2018	NUM
fueconorg-12029	52	44	)	)	PUNCT
fueconorg-12029	52	45	.	.	PUNCT
fueconorg-12029	53	1	claims	claim	NOUN
fueconorg-12029	53	2	about	about	ADP
fueconorg-12029	53	3	catastrophic	catastrophic	ADJ
fueconorg-12029	53	4	risks	risk	NOUN
fueconorg-12029	53	5	clearly	clearly	ADV
fueconorg-12029	53	6	demonstrate	demonstrate	VERB
fueconorg-12029	53	7	that	that	SCONJ
fueconorg-12029	53	8	one	one	NUM
fueconorg-12029	53	9	of	of	ADP
fueconorg-12029	53	10	the	the	DET
fueconorg-12029	53	11	prerequisites	prerequisite	NOUN
fueconorg-12029	53	12	for	for	ADP
fueconorg-12029	53	13	creating	create	VERB
fueconorg-12029	53	14	a	a	DET
fueconorg-12029	53	15	quality	quality	NOUN
fueconorg-12029	53	16	premium	premium	NOUN
fueconorg-12029	53	17	system	system	NOUN
fueconorg-12029	53	18	for	for	ADP
fueconorg-12029	53	19	a	a	DET
fueconorg-12029	53	20	specific	specific	ADJ
fueconorg-12029	53	21	type	type	NOUN
fueconorg-12029	53	22	of	of	ADP
fueconorg-12029	53	23	insurance	insurance	NOUN
fueconorg-12029	53	24	is	be	AUX
fueconorg-12029	53	25	defining	define	VERB
fueconorg-12029	53	26	the	the	DET
fueconorg-12029	53	27	key	key	ADJ
fueconorg-12029	53	28	risk	risk	NOUN
fueconorg-12029	53	29	factors	factor	NOUN
fueconorg-12029	53	30	that	that	PRON
fueconorg-12029	53	31	influence	influence	VERB
fueconorg-12029	53	32	the	the	DET
fueconorg-12029	53	33	frequency	frequency	NOUN
fueconorg-12029	53	34	and	and	CCONJ
fueconorg-12029	53	35	severity	severity	NOUN
fueconorg-12029	53	36	of	of	ADP
fueconorg-12029	53	37	claims	claim	NOUN
fueconorg-12029	53	38	.	.	PUNCT
fueconorg-12029	54	1	in	in	ADP
fueconorg-12029	54	2	this	this	DET
fueconorg-12029	54	3	sense	sense	NOUN
fueconorg-12029	54	4	,	,	PUNCT
fueconorg-12029	54	5	to	to	PART
fueconorg-12029	54	6	assess	assess	VERB
fueconorg-12029	54	7	the	the	DET
fueconorg-12029	54	8	risk	risk	NOUN
fueconorg-12029	54	9	of	of	ADP
fueconorg-12029	54	10	claim	claim	NOUN
fueconorg-12029	54	11	occurrence	occurrence	NOUN
fueconorg-12029	54	12	,	,	PUNCT
fueconorg-12029	54	13	it	it	PRON
fueconorg-12029	54	14	is	be	AUX
fueconorg-12029	54	15	necessary	necessary	ADJ
fueconorg-12029	54	16	to	to	PART
fueconorg-12029	54	17	understand	understand	VERB
fueconorg-12029	54	18	distrributions	distrribution	NOUN
fueconorg-12029	54	19	of	of	ADP
fueconorg-12029	54	20	the	the	DET
fueconorg-12029	54	21	probability	probability	NOUN
fueconorg-12029	54	22	of	of	ADP
fueconorg-12029	54	23	claim	claim	NOUN
fueconorg-12029	54	24	occurrence	occurrence	NOUN
fueconorg-12029	54	25	.	.	PUNCT
fueconorg-12029	55	1	the	the	DET
fueconorg-12029	55	2	most	most	ADV
fueconorg-12029	55	3	commonly	commonly	ADV
fueconorg-12029	55	4	used	use	VERB
fueconorg-12029	55	5	loss	loss	NOUN
fueconorg-12029	55	6	distributions	distribution	NOUN
fueconorg-12029	55	7	are	be	AUX
fueconorg-12029	55	8	the	the	DET
fueconorg-12029	55	9	weibull	weibull	NOUN
fueconorg-12029	55	10	,	,	PUNCT
fueconorg-12029	55	11	exponential	exponential	NOUN
fueconorg-12029	55	12	,	,	PUNCT
fueconorg-12029	55	13	log	log	NOUN
fueconorg-12029	55	14	-	-	PUNCT
fueconorg-12029	55	15	normal	normal	ADJ
fueconorg-12029	55	16	,	,	PUNCT
fueconorg-12029	55	17	burr	burr	NOUN
fueconorg-12029	55	18	,	,	PUNCT
fueconorg-12029	55	19	and	and	CCONJ
fueconorg-12029	55	20	pareto	pareto	ADJ
fueconorg-12029	55	21	distributions	distribution	NOUN
fueconorg-12029	55	22	(	(	PUNCT
fueconorg-12029	55	23	table	table	NOUN
fueconorg-12029	55	24	1	1	NUM
fueconorg-12029	55	25	)	)	PUNCT
fueconorg-12029	55	26	.	.	PUNCT
fueconorg-12029	56	1	however	however	ADV
fueconorg-12029	56	2	,	,	PUNCT
fueconorg-12029	56	3	determining	determine	VERB
fueconorg-12029	56	4	the	the	DET
fueconorg-12029	56	5	probability	probability	NOUN
fueconorg-12029	56	6	distribution	distribution	NOUN
fueconorg-12029	56	7	is	be	AUX
fueconorg-12029	56	8	difficult	difficult	ADJ
fueconorg-12029	56	9	,	,	PUNCT
fueconorg-12029	56	10	which	which	PRON
fueconorg-12029	56	11	has	have	VERB
fueconorg-12029	56	12	serious	serious	ADJ
fueconorg-12029	56	13	implications	implication	NOUN
fueconorg-12029	56	14	for	for	ADP
fueconorg-12029	56	15	the	the	DET
fueconorg-12029	56	16	reliability	reliability	NOUN
fueconorg-12029	56	17	of	of	ADP
fueconorg-12029	56	18	premium	premium	NOUN
fueconorg-12029	56	19	estimates	estimate	NOUN
fueconorg-12029	56	20	.	.	PUNCT
fueconorg-12029	57	1	for	for	ADP
fueconorg-12029	57	2	example	example	NOUN
fueconorg-12029	57	3	,	,	PUNCT
fueconorg-12029	57	4	heckman	heckman	PROPN
fueconorg-12029	57	5	and	and	CCONJ
fueconorg-12029	57	6	meyers	meyers	PROPN
fueconorg-12029	57	7	developed	develop	VERB
fueconorg-12029	57	8	an	an	DET
fueconorg-12029	57	9	algorithm	algorithm	NOUN
fueconorg-12029	57	10	for	for	ADP
fueconorg-12029	57	11	calculating	calculate	VERB
fueconorg-12029	57	12	cumulative	cumulative	ADJ
fueconorg-12029	57	13	probability	probability	NOUN
fueconorg-12029	57	14	and	and	CCONJ
fueconorg-12029	57	15	pure	pure	ADJ
fueconorg-12029	57	16	premium	premium	NOUN
fueconorg-12029	57	17	based	base	VERB
fueconorg-12029	57	18	on	on	ADP
fueconorg-12029	57	19	collective	collective	ADJ
fueconorg-12029	57	20	risk	risk	NOUN
fueconorg-12029	57	21	theory	theory	NOUN
fueconorg-12029	57	22	,	,	PUNCT
fueconorg-12029	57	23	using	use	VERB
fueconorg-12029	57	24	data	datum	NOUN
fueconorg-12029	57	25	on	on	ADP
fueconorg-12029	57	26	the	the	DET
fueconorg-12029	57	27	distribution	distribution	NOUN
fueconorg-12029	57	28	of	of	ADP
fueconorg-12029	57	29	the	the	DET
fueconorg-12029	57	30	size	size	NOUN
fueconorg-12029	57	31	and	and	CCONJ
fueconorg-12029	57	32	frequency	frequency	NOUN
fueconorg-12029	57	33	of	of	ADP
fueconorg-12029	57	34	claims	claim	NOUN
fueconorg-12029	57	35	(	(	PUNCT
fueconorg-12029	57	36	heckman	heckman	PROPN
fueconorg-12029	57	37	,	,	PUNCT
fueconorg-12029	57	38	meyers	meyer	NOUN
fueconorg-12029	57	39	,	,	PUNCT
fueconorg-12029	57	40	1984	1984	NUM
fueconorg-12029	57	41	,	,	PUNCT
fueconorg-12029	57	42	p.	p.	NOUN
fueconorg-12029	57	43	22	22	NUM
fueconorg-12029	57	44	-	-	SYM
fueconorg-12029	57	45	61	61	NUM
fueconorg-12029	57	46	)	)	PUNCT
fueconorg-12029	57	47	.	.	PUNCT
fueconorg-12029	58	1	boland	boland	PROPN
fueconorg-12029	58	2	proposed	propose	VERB
fueconorg-12029	58	3	using	use	VERB
fueconorg-12029	58	4	predictive	predictive	ADJ
fueconorg-12029	58	5	methods	method	NOUN
fueconorg-12029	58	6	to	to	PART
fueconorg-12029	58	7	demonstrate	demonstrate	VERB
fueconorg-12029	58	8	that	that	SCONJ
fueconorg-12029	58	9	the	the	DET
fueconorg-12029	58	10	collected	collected	ADJ
fueconorg-12029	58	11	premiums	premium	NOUN
fueconorg-12029	58	12	may	may	AUX
fueconorg-12029	58	13	be	be	AUX
fueconorg-12029	58	14	sufficient	sufficient	ADJ
fueconorg-12029	58	15	to	to	PART
fueconorg-12029	58	16	cover	cover	VERB
fueconorg-12029	58	17	the	the	DET
fueconorg-12029	58	18	losses	loss	NOUN
fueconorg-12029	58	19	(	(	PUNCT
fueconorg-12029	58	20	bortoluzzo	bortoluzzo	NOUN
fueconorg-12029	58	21	,	,	PUNCT
fueconorg-12029	58	22	2011	2011	NUM
fueconorg-12029	58	23	)	)	PUNCT
fueconorg-12029	58	24	.	.	PUNCT
fueconorg-12029	59	1	according	accord	VERB
fueconorg-12029	59	2	to	to	ADP
fueconorg-12029	59	3	dropkin	dropkin	NOUN
fueconorg-12029	59	4	and	and	CCONJ
fueconorg-12029	59	5	bickerstaff	bickerstaff	NOUN
fueconorg-12029	59	6	,	,	PUNCT
fueconorg-12029	59	7	the	the	DET
fueconorg-12029	59	8	logclaims	logclaim	NOUN
fueconorg-12029	59	9	reserved	reserve	VERB
fueconorg-12029	59	10	claims	claim	NOUN
fueconorg-12029	59	11	settled	settle	VERB
fueconorg-12029	59	12	claims	claim	NOUN
fueconorg-12029	59	13	(	(	PUNCT
fueconorg-12029	59	14	years	year	NOUN
fueconorg-12029	59	15	)	)	PUNCT
fueconorg-12029	59	16	risk	risk	NOUN
fueconorg-12029	59	17	factors	factor	NOUN
fueconorg-12029	59	18	for	for	ADP
fueconorg-12029	59	19	the	the	DET
fueconorg-12029	59	20	occurrence	occurrence	NOUN
fueconorg-12029	59	21	of	of	ADP
fueconorg-12029	59	22	claims	claim	NOUN
fueconorg-12029	59	23	and	and	CCONJ
fueconorg-12029	59	24	the	the	DET
fueconorg-12029	59	25	adequacy	adequacy	NOUN
fueconorg-12029	59	26	of	of	ADP
fueconorg-12029	59	27	non	non	ADJ
fueconorg-12029	59	28	-	-	ADJ
fueconorg-12029	59	29	life	life	ADJ
fueconorg-12029	59	30	insurance	insurance	NOUN
fueconorg-12029	59	31	premiums	premium	NOUN
fueconorg-12029	59	32	189	189	NUM
fueconorg-12029	59	33	normal	normal	ADJ
fueconorg-12029	59	34	distribution	distribution	NOUN
fueconorg-12029	59	35	should	should	AUX
fueconorg-12029	59	36	be	be	AUX
fueconorg-12029	59	37	used	use	VERB
fueconorg-12029	59	38	for	for	ADP
fueconorg-12029	59	39	assessing	assess	VERB
fueconorg-12029	59	40	the	the	DET
fueconorg-12029	59	41	interdependence	interdependence	NOUN
fueconorg-12029	59	42	of	of	ADP
fueconorg-12029	59	43	premium	premium	NOUN
fueconorg-12029	59	44	and	and	CCONJ
fueconorg-12029	59	45	certain	certain	ADJ
fueconorg-12029	59	46	types	type	NOUN
fueconorg-12029	59	47	of	of	ADP
fueconorg-12029	59	48	homogeneous	homogeneous	ADJ
fueconorg-12029	59	49	loss	loss	NOUN
fueconorg-12029	59	50	data	datum	NOUN
fueconorg-12029	59	51	(	(	PUNCT
fueconorg-12029	59	52	dropkin	dropkin	PROPN
fueconorg-12029	59	53	,	,	PUNCT
fueconorg-12029	59	54	1964	1964	NUM
fueconorg-12029	59	55	,	,	PUNCT
fueconorg-12029	59	56	p.	p.	NOUN
fueconorg-12029	59	57	68	68	NUM
fueconorg-12029	59	58	;	;	PUNCT
fueconorg-12029	59	59	bickerstaff	bickerstaff	NOUN
fueconorg-12029	59	60	,	,	PUNCT
fueconorg-12029	59	61	1972	1972	NUM
fueconorg-12029	59	62	,	,	PUNCT
fueconorg-12029	59	63	p.	p.	NOUN
fueconorg-12029	59	64	68	68	NUM
fueconorg-12029	59	65	)	)	PUNCT
fueconorg-12029	59	66	.	.	PUNCT
fueconorg-12029	60	1	table	table	NOUN
fueconorg-12029	60	2	1	1	NUM
fueconorg-12029	60	3	some	some	DET
fueconorg-12029	60	4	forms	form	NOUN
fueconorg-12029	60	5	of	of	ADP
fueconorg-12029	60	6	continuous	continuous	ADJ
fueconorg-12029	60	7	probability	probability	NOUN
fueconorg-12029	60	8	distributions	distribution	NOUN
fueconorg-12029	60	9	for	for	ADP
fueconorg-12029	60	10	the	the	DET
fueconorg-12029	60	11	occurrence	occurrence	NOUN
fueconorg-12029	60	12	of	of	ADP
fueconorg-12029	60	13	claims	claim	NOUN
fueconorg-12029	60	14	"	"	PUNCT
fueconorg-12029	60	15	distribution	distribution	NOUN
fueconorg-12029	60	16	distribution	distribution	NOUN
fueconorg-12029	60	17	function	function	NOUN
fueconorg-12029	60	18	density	density	NOUN
fueconorg-12029	60	19	function	function	NOUN
fueconorg-12029	60	20	conditions	condition	NOUN
fueconorg-12029	60	21	1	1	NUM
fueconorg-12029	60	22	.	.	PUNCT
fueconorg-12029	61	1	weibull	weibull	PROPN
fueconorg-12029	61	2	x0	x0	PROPN
fueconorg-12029	61	3	,	,	PUNCT
fueconorg-12029	61	4	0	0	PROPN
fueconorg-12029	61	5	.	.	PUNCT
fueconorg-12029	62	1	0	0	PROPN
fueconorg-12029	62	2	2.exponential	2.exponential	NUM
fueconorg-12029	62	3	x0	x0	NOUN
fueconorg-12029	62	4	,	,	PUNCT
fueconorg-12029	62	5	0	0	PROPN
fueconorg-12029	62	6	.	.	PUNCT
fueconorg-12029	63	1	3	3	X
fueconorg-12029	63	2	.	.	X
fueconorg-12029	63	3	log	log	NOUN
fueconorg-12029	63	4	-	-	PUNCT
fueconorg-12029	63	5	normal	normal	ADJ
fueconorg-12029	63	6	x0	x0	NOUN
fueconorg-12029	63	7	,	,	PUNCT
fueconorg-12029	63	8	0	0	NUM
fueconorg-12029	63	9	,	,	PUNCT
fueconorg-12029	63	10	4	4	NUM
fueconorg-12029	63	11	.	.	PUNCT
fueconorg-12029	63	12	burr	burr	PROPN
fueconorg-12029	63	13	x0	x0	PROPN
fueconorg-12029	63	14	,	,	PUNCT
fueconorg-12029	63	15	0	0	PROPN
fueconorg-12029	63	16	,	,	PUNCT
fueconorg-12029	63	17	0	0	X
fueconorg-12029	63	18	5	5	NUM
fueconorg-12029	63	19	.	.	PUNCT
fueconorg-12029	63	20	paret	paret	PROPN
fueconorg-12029	63	21	x0	x0	PROPN
fueconorg-12029	63	22	.	.	PUNCT
fueconorg-12029	64	1	0	0	PROPN
fueconorg-12029	64	2	,	,	PUNCT
fueconorg-12029	64	3	0	0	PRON
fueconorg-12029	64	4	source	source	NOUN
fueconorg-12029	64	5	:	:	PUNCT
fueconorg-12029	64	6	klugman	klugman	NOUN
fueconorg-12029	64	7	,	,	PUNCT
fueconorg-12029	64	8	panje	panje	NOUN
fueconorg-12029	64	9	,	,	PUNCT
fueconorg-12029	64	10	willmot	willmot	NOUN
fueconorg-12029	64	11	,	,	PUNCT
fueconorg-12029	64	12	2004	2004	NUM
fueconorg-12029	64	13	,	,	PUNCT
fueconorg-12029	64	14	pp	pp	ADV
fueconorg-12029	64	15	.	.	PUNCT
fueconorg-12029	65	1	627	627	NUM
fueconorg-12029	65	2	-	-	SYM
fueconorg-12029	65	3	643	643	NUM
fueconorg-12029	65	4	pentikainen	pentikainen	NOUN
fueconorg-12029	65	5	argues	argue	VERB
fueconorg-12029	65	6	that	that	SCONJ
fueconorg-12029	65	7	using	use	VERB
fueconorg-12029	65	8	normal	normal	ADJ
fueconorg-12029	65	9	distribution	distribution	NOUN
fueconorg-12029	65	10	can	can	AUX
fueconorg-12029	65	11	yield	yield	VERB
fueconorg-12029	65	12	acceptable	acceptable	ADJ
fueconorg-12029	65	13	results	result	NOUN
fueconorg-12029	65	14	regarding	regard	VERB
fueconorg-12029	65	15	the	the	DET
fueconorg-12029	65	16	interdependence	interdependence	NOUN
fueconorg-12029	65	17	of	of	ADP
fueconorg-12029	65	18	premiums	premium	NOUN
fueconorg-12029	65	19	and	and	CCONJ
fueconorg-12029	65	20	claims	claim	NOUN
fueconorg-12029	65	21	only	only	ADV
fueconorg-12029	65	22	if	if	SCONJ
fueconorg-12029	65	23	the	the	DET
fueconorg-12029	65	24	volume	volume	NOUN
fueconorg-12029	65	25	of	of	ADP
fueconorg-12029	65	26	risky	risky	ADJ
fueconorg-12029	65	27	business	business	NOUN
fueconorg-12029	65	28	is	be	AUX
fueconorg-12029	65	29	sufficiently	sufficiently	ADV
fueconorg-12029	65	30	large	large	ADJ
fueconorg-12029	65	31	and	and	CCONJ
fueconorg-12029	65	32	the	the	DET
fueconorg-12029	65	33	distribution	distribution	NOUN
fueconorg-12029	65	34	of	of	ADP
fueconorg-12029	65	35	individual	individual	ADJ
fueconorg-12029	65	36	claims	claim	NOUN
fueconorg-12029	65	37	is	be	AUX
fueconorg-12029	65	38	not	not	PART
fueconorg-12029	65	39	heterogeneous	heterogeneous	ADJ
fueconorg-12029	65	40	(	(	PUNCT
fueconorg-12029	65	41	pentikainen	pentikainen	NOUN
fueconorg-12029	65	42	,	,	PUNCT
fueconorg-12029	65	43	1977	1977	NUM
fueconorg-12029	65	44	,	,	PUNCT
fueconorg-12029	65	45	p.	p.	NOUN
fueconorg-12029	65	46	281	281	NUM
fueconorg-12029	65	47	)	)	PUNCT
fueconorg-12029	65	48	.	.	PUNCT
fueconorg-12029	66	1	in	in	ADP
fueconorg-12029	66	2	his	his	PRON
fueconorg-12029	66	3	paper	paper	NOUN
fueconorg-12029	66	4	,	,	PUNCT
fueconorg-12029	66	5	seal	seal	NOUN
fueconorg-12029	66	6	utilized	utilize	VERB
fueconorg-12029	66	7	estimates	estimate	NOUN
fueconorg-12029	66	8	based	base	VERB
fueconorg-12029	66	9	on	on	ADP
fueconorg-12029	66	10	gamma	gamma	NOUN
fueconorg-12029	66	11	distribution	distribution	NOUN
fueconorg-12029	66	12	and	and	CCONJ
fueconorg-12029	66	13	concluded	conclude	VERB
fueconorg-12029	66	14	that	that	SCONJ
fueconorg-12029	66	15	it	it	PRON
fueconorg-12029	66	16	provides	provide	VERB
fueconorg-12029	66	17	the	the	DET
fueconorg-12029	66	18	best	good	ADJ
fueconorg-12029	66	19	estimate	estimate	NOUN
fueconorg-12029	66	20	for	for	ADP
fueconorg-12029	66	21	the	the	DET
fueconorg-12029	66	22	interdependence	interdependence	NOUN
fueconorg-12029	66	23	of	of	ADP
fueconorg-12029	66	24	claims	claim	NOUN
fueconorg-12029	66	25	and	and	CCONJ
fueconorg-12029	66	26	premium	premium	NOUN
fueconorg-12029	66	27	levels	level	NOUN
fueconorg-12029	66	28	(	(	PUNCT
fueconorg-12029	66	29	seal	seal	NOUN
fueconorg-12029	66	30	,	,	PUNCT
fueconorg-12029	66	31	1977	1977	NUM
fueconorg-12029	66	32	)	)	PUNCT
fueconorg-12029	66	33	.	.	PUNCT
fueconorg-12029	67	1	sundt	sundt	NOUN
fueconorg-12029	67	2	(	(	PUNCT
fueconorg-12029	67	3	sundt	sundt	PROPN
fueconorg-12029	67	4	,	,	PUNCT
fueconorg-12029	67	5	b.	b.	PROPN
fueconorg-12029	67	6	,	,	PUNCT
fueconorg-12029	67	7	1982	1982	NUM
fueconorg-12029	67	8	,	,	PUNCT
fueconorg-12029	67	9	p.	p.	NOUN
fueconorg-12029	67	10	89	89	NUM
fueconorg-12029	67	11	)	)	PUNCT
fueconorg-12029	67	12	published	publish	VERB
fueconorg-12029	67	13	a	a	DET
fueconorg-12029	67	14	paper	paper	NOUN
fueconorg-12029	67	15	on	on	ADP
fueconorg-12029	67	16	the	the	DET
fueconorg-12029	67	17	asymptotic	asymptotic	ADJ
fueconorg-12029	67	18	behavior	behavior	NOUN
fueconorg-12029	67	19	of	of	ADP
fueconorg-12029	67	20	complex	complex	ADJ
fueconorg-12029	67	21	loss	loss	NOUN
fueconorg-12029	67	22	distributions	distribution	NOUN
fueconorg-12029	67	23	and	and	CCONJ
fueconorg-12029	67	24	proved	prove	VERB
fueconorg-12029	67	25	that	that	SCONJ
fueconorg-12029	67	26	if	if	SCONJ
fueconorg-12029	67	27	the	the	DET
fueconorg-12029	67	28	distribution	distribution	NOUN
fueconorg-12029	67	29	of	of	ADP
fueconorg-12029	67	30	the	the	DET
fueconorg-12029	67	31	number	number	NOUN
fueconorg-12029	67	32	of	of	ADP
fueconorg-12029	67	33	losses	loss	NOUN
fueconorg-12029	67	34	is	be	AUX
fueconorg-12029	67	35	negative	negative	ADJ
fueconorg-12029	67	36	binomial	binomial	ADJ
fueconorg-12029	67	37	,	,	PUNCT
fueconorg-12029	67	38	then	then	ADV
fueconorg-12029	67	39	the	the	DET
fueconorg-12029	67	40	aggregate	aggregate	ADJ
fueconorg-12029	67	41	loss	loss	NOUN
fueconorg-12029	67	42	distribution	distribution	NOUN
fueconorg-12029	67	43	in	in	ADP
fueconorg-12029	67	44	the	the	DET
fueconorg-12029	67	45	tails	tail	NOUN
fueconorg-12029	67	46	can	can	AUX
fueconorg-12029	67	47	be	be	AUX
fueconorg-12029	67	48	approximated	approximate	VERB
fueconorg-12029	67	49	by	by	ADP
fueconorg-12029	67	50	gamma	gamma	NOUN
fueconorg-12029	67	51	distribution	distribution	NOUN
fueconorg-12029	67	52	.	.	PUNCT
fueconorg-12029	68	1	gendron	gendron	PROPN
fueconorg-12029	69	1	and	and	CCONJ
fueconorg-12029	69	2	crepeau	crepeau	PROPN
fueconorg-12029	69	3	found	find	VERB
fueconorg-12029	69	4	that	that	SCONJ
fueconorg-12029	69	5	reasonable	reasonable	ADJ
fueconorg-12029	69	6	and	and	CCONJ
fueconorg-12029	69	7	accurate	accurate	ADJ
fueconorg-12029	69	8	data	datum	NOUN
fueconorg-12029	69	9	can	can	AUX
fueconorg-12029	69	10	be	be	AUX
fueconorg-12029	69	11	obtained	obtain	VERB
fueconorg-12029	69	12	using	use	VERB
fueconorg-12029	69	13	estimates	estimate	NOUN
fueconorg-12029	69	14	based	base	VERB
fueconorg-12029	69	15	on	on	ADP
fueconorg-12029	69	16	gamma	gamma	NOUN
fueconorg-12029	69	17	distribution	distribution	NOUN
fueconorg-12029	69	18	if	if	SCONJ
fueconorg-12029	69	19	the	the	DET
fueconorg-12029	69	20	claim	claim	NOUN
fueconorg-12029	69	21	size	size	NOUN
fueconorg-12029	69	22	follows	follow	VERB
fueconorg-12029	69	23	an	an	DET
fueconorg-12029	69	24	inverse	inverse	ADJ
fueconorg-12029	69	25	gaussian	gaussian	ADJ
fueconorg-12029	69	26	distribution	distribution	NOUN
fueconorg-12029	69	27	and	and	CCONJ
fueconorg-12029	69	28	the	the	DET
fueconorg-12029	69	29	frequency	frequency	NOUN
fueconorg-12029	69	30	follows	follow	VERB
fueconorg-12029	69	31	a	a	DET
fueconorg-12029	69	32	poisson	poisson	NOUN
fueconorg-12029	69	33	distribution	distribution	NOUN
fueconorg-12029	69	34	(	(	PUNCT
fueconorg-12029	69	35	gendron	gendron	NOUN
fueconorg-12029	69	36	,	,	PUNCT
fueconorg-12029	69	37	crepeau	crepeau	NOUN
fueconorg-12029	69	38	,	,	PUNCT
fueconorg-12029	69	39	1989	1989	NUM
fueconorg-12029	69	40	,	,	PUNCT
fueconorg-12029	69	41	p.	p.	NOUN
fueconorg-12029	69	42	251	251	NUM
fueconorg-12029	69	43	)	)	PUNCT
fueconorg-12029	69	44	.	.	PUNCT
fueconorg-12029	70	1	venter	venter	PROPN
fueconorg-12029	70	2	proposed	propose	VERB
fueconorg-12029	70	3	transformed	transform	VERB
fueconorg-12029	70	4	gamma	gamma	PROPN
fueconorg-12029	70	5	and	and	CCONJ
fueconorg-12029	70	6	transformed	transform	VERB
fueconorg-12029	70	7	beta	beta	ADJ
fueconorg-12029	70	8	distributions	distribution	NOUN
fueconorg-12029	70	9	for	for	ADP
fueconorg-12029	70	10	estimating	estimate	VERB
fueconorg-12029	70	11	aggregate	aggregate	ADJ
fueconorg-12029	70	12	loss	loss	NOUN
fueconorg-12029	70	13	distributions	distribution	NOUN
fueconorg-12029	70	14	(	(	PUNCT
fueconorg-12029	70	15	venter	venter	NOUN
fueconorg-12029	70	16	,	,	PUNCT
fueconorg-12029	70	17	1983	1983	NUM
fueconorg-12029	70	18	)	)	PUNCT
fueconorg-12029	70	19	.	.	PUNCT
fueconorg-12029	71	1	papush	papush	PROPN
fueconorg-12029	71	2	,	,	PUNCT
fueconorg-12029	71	3	patrik	patrik	NOUN
fueconorg-12029	71	4	,	,	PUNCT
fueconorg-12029	71	5	and	and	CCONJ
fueconorg-12029	71	6	podgaits	podgait	NOUN
fueconorg-12029	71	7	concluded	conclude	VERB
fueconorg-12029	71	8	that	that	SCONJ
fueconorg-12029	71	9	gamma	gamma	NOUN
fueconorg-12029	71	10	distribution	distribution	NOUN
fueconorg-12029	71	11	allows	allow	VERB
fueconorg-12029	71	12	for	for	ADP
fueconorg-12029	71	13	better	well	ADV
fueconorg-12029	71	14	fitting	fitting	ADJ
fueconorg-12029	71	15	of	of	ADP
fueconorg-12029	71	16	individual	individual	ADJ
fueconorg-12029	71	17	distribution	distribution	NOUN
fueconorg-12029	71	18	data	datum	NOUN
fueconorg-12029	71	19	compared	compare	VERB
fueconorg-12029	71	20	to	to	ADP
fueconorg-12029	71	21	normal	normal	ADJ
fueconorg-12029	71	22	or	or	CCONJ
fueconorg-12029	71	23	log	log	NOUN
fueconorg-12029	71	24	-	-	PUNCT
fueconorg-12029	71	25	normal	normal	ADJ
fueconorg-12029	71	26	distributions	distribution	NOUN
fueconorg-12029	71	27	(	(	PUNCT
fueconorg-12029	71	28	papush	papush	PROPN
fueconorg-12029	71	29	,	,	PUNCT
fueconorg-12029	71	30	patrik	patrik	PROPN
fueconorg-12029	71	31	,	,	PUNCT
fueconorg-12029	71	32	podgaits	podgait	NOUN
fueconorg-12029	71	33	,	,	PUNCT
fueconorg-12029	71	34	2001	2001	NUM
fueconorg-12029	71	35	)	)	PUNCT
fueconorg-12029	71	36	.	.	PUNCT
fueconorg-12029	72	1	considering	consider	VERB
fueconorg-12029	72	2	these	these	DET
fueconorg-12029	72	3	studies	study	NOUN
fueconorg-12029	72	4	,	,	PUNCT
fueconorg-12029	72	5	a	a	DET
fueconorg-12029	72	6	logical	logical	ADJ
fueconorg-12029	72	7	conclusion	conclusion	NOUN
fueconorg-12029	72	8	is	be	AUX
fueconorg-12029	72	9	that	that	SCONJ
fueconorg-12029	72	10	gamma	gamma	NOUN
fueconorg-12029	72	11	distribution	distribution	NOUN
fueconorg-12029	72	12	represents	represent	VERB
fueconorg-12029	72	13	a	a	DET
fueconorg-12029	72	14	reasonable	reasonable	ADJ
fueconorg-12029	72	15	choice	choice	NOUN
fueconorg-12029	72	16	for	for	ADP
fueconorg-12029	72	17	estimating	estimate	VERB
fueconorg-12029	72	18	aggregate	aggregate	ADJ
fueconorg-12029	72	19	loss	loss	NOUN
fueconorg-12029	72	20	distribution	distribution	NOUN
fueconorg-12029	72	21	when	when	SCONJ
fueconorg-12029	72	22	specific	specific	ADJ
fueconorg-12029	72	23	data	datum	NOUN
fueconorg-12029	72	24	for	for	ADP
fueconorg-12029	72	25	frequency	frequency	NOUN
fueconorg-12029	72	26	and	and	CCONJ
fueconorg-12029	72	27	specific	specific	ADJ
fueconorg-12029	72	28	data	datum	NOUN
fueconorg-12029	72	29	for	for	ADP
fueconorg-12029	72	30	claim	claim	NOUN
fueconorg-12029	72	31	size	size	NOUN
fueconorg-12029	72	32	are	be	AUX
fueconorg-12029	72	33	unavailable	unavailable	ADJ
fueconorg-12029	72	34	.	.	PUNCT
fueconorg-12029	73	1	on	on	ADP
fueconorg-12029	73	2	the	the	DET
fueconorg-12029	73	3	other	other	ADJ
fueconorg-12029	73	4	hand	hand	NOUN
fueconorg-12029	73	5	,	,	PUNCT
fueconorg-12029	73	6	practice	practice	NOUN
fueconorg-12029	73	7	has	have	AUX
fueconorg-12029	73	8	shown	show	VERB
fueconorg-12029	73	9	that	that	SCONJ
fueconorg-12029	73	10	statistical	statistical	ADJ
fueconorg-12029	73	11	tests	test	NOUN
fueconorg-12029	73	12	(	(	PUNCT
fueconorg-12029	73	13	kolmogorov	kolmogorov	ADJ
fueconorg-12029	73	14	-	-	PUNCT
fueconorg-12029	73	15	smirnov	smirnov	ADJ
fueconorg-12029	73	16	,	,	PUNCT
fueconorg-12029	73	17	jarque	jarque	NOUN
fueconorg-12029	73	18	-	-	PUNCT
fueconorg-12029	73	19	bera	bera	NOUN
fueconorg-12029	73	20	,	,	PUNCT
fueconorg-12029	73	21	anderson	anderson	PROPN
fueconorg-12029	73	22	-	-	PUNCT
fueconorg-12029	73	23	darling	darling	NOUN
fueconorg-12029	73	24	tests	test	NOUN
fueconorg-12029	73	25	)	)	PUNCT
fueconorg-12029	73	26	are	be	AUX
fueconorg-12029	73	27	also	also	ADV
fueconorg-12029	73	28	used	use	VERB
fueconorg-12029	73	29	for	for	ADP
fueconorg-12029	73	30	this	this	DET
fueconorg-12029	73	31	purpose	purpose	NOUN
fueconorg-12029	73	32	,	,	PUNCT
fueconorg-12029	73	33	which	which	PRON
fueconorg-12029	73	34	opens	open	VERB
fueconorg-12029	73	35	up	up	ADP
fueconorg-12029	73	36	real	real	ADJ
fueconorg-12029	73	37	possibilities	possibility	NOUN
fueconorg-12029	73	38	for	for	ADP
fueconorg-12029	73	39	stochastic	stochastic	ADJ
fueconorg-12029	73	40	methods	method	NOUN
fueconorg-12029	73	41	in	in	ADP
fueconorg-12029	73	42	premium	premium	ADJ
fueconorg-12029	73	43	determination	determination	NOUN
fueconorg-12029	73	44	to	to	PART
fueconorg-12029	73	45	be	be	AUX
fueconorg-12029	73	46	increasingly	increasingly	ADV
fueconorg-12029	73	47	utilized	utilize	VERB
fueconorg-12029	73	48	in	in	ADP
fueconorg-12029	73	49	the	the	DET
fueconorg-12029	73	50	future	future	NOUN
fueconorg-12029	73	51	.	.	PUNCT
fueconorg-12029	74	1	the	the	DET
fueconorg-12029	74	2	interdependence	interdependence	NOUN
fueconorg-12029	74	3	of	of	ADP
fueconorg-12029	74	4	claims	claim	NOUN
fueconorg-12029	74	5	and	and	CCONJ
fueconorg-12029	74	6	premiums	premium	NOUN
fueconorg-12029	74	7	can	can	AUX
fueconorg-12029	74	8	also	also	ADV
fueconorg-12029	74	9	be	be	AUX
fueconorg-12029	74	10	viewed	view	VERB
fueconorg-12029	74	11	from	from	ADP
fueconorg-12029	74	12	the	the	DET
fueconorg-12029	74	13	perspective	perspective	NOUN
fueconorg-12029	74	14	of	of	ADP
fueconorg-12029	74	15	cyclical	cyclical	ADJ
fueconorg-12029	74	16	movements	movement	NOUN
fueconorg-12029	74	17	in	in	ADP
fueconorg-12029	74	18	premiums	premium	NOUN
fueconorg-12029	74	19	,	,	PUNCT
fueconorg-12029	74	20	particularly	particularly	ADV
fueconorg-12029	74	21	in	in	ADP
fueconorg-12029	74	22	non	non	ADJ
fueconorg-12029	74	23	-	-	ADJ
fueconorg-12029	74	24	life	life	ADJ
fueconorg-12029	74	25	insurance	insurance	NOUN
fueconorg-12029	74	26	.	.	PUNCT
fueconorg-12029	75	1	specifically	specifically	ADV
fueconorg-12029	75	2	,	,	PUNCT
fueconorg-12029	75	3	the	the	DET
fueconorg-12029	75	4	190	190	NUM
fueconorg-12029	75	5	m.	m.	NOUN
fueconorg-12029	75	6	milutinović	milutinović	PROPN
fueconorg-12029	75	7	property	property	NOUN
fueconorg-12029	75	8	insurance	insurance	NOUN
fueconorg-12029	75	9	market	market	NOUN
fueconorg-12029	75	10	is	be	AUX
fueconorg-12029	75	11	characterized	characterize	VERB
fueconorg-12029	75	12	by	by	ADP
fueconorg-12029	75	13	fluctuations	fluctuation	NOUN
fueconorg-12029	75	14	between	between	ADP
fueconorg-12029	75	15	periods	period	NOUN
fueconorg-12029	75	16	of	of	ADP
fueconorg-12029	75	17	a	a	DET
fueconorg-12029	75	18	"	"	PUNCT
fueconorg-12029	75	19	hard	hard	ADJ
fueconorg-12029	75	20	"	"	PUNCT
fueconorg-12029	75	21	market	market	NOUN
fueconorg-12029	75	22	,	,	PUNCT
fueconorg-12029	75	23	when	when	SCONJ
fueconorg-12029	75	24	strict	strict	ADJ
fueconorg-12029	75	25	insurability	insurability	NOUN
fueconorg-12029	75	26	standards	standard	NOUN
fueconorg-12029	75	27	and	and	CCONJ
fueconorg-12029	75	28	high	high	ADJ
fueconorg-12029	75	29	premiums	premium	NOUN
fueconorg-12029	75	30	prevail	prevail	VERB
fueconorg-12029	75	31	,	,	PUNCT
fueconorg-12029	75	32	and	and	CCONJ
fueconorg-12029	75	33	a	a	DET
fueconorg-12029	75	34	"	"	PUNCT
fueconorg-12029	75	35	soft	soft	ADJ
fueconorg-12029	75	36	"	"	PUNCT
fueconorg-12029	75	37	market	market	NOUN
fueconorg-12029	75	38	,	,	PUNCT
fueconorg-12029	75	39	where	where	SCONJ
fueconorg-12029	75	40	liberal	liberal	ADJ
fueconorg-12029	75	41	insurability	insurability	NOUN
fueconorg-12029	75	42	standards	standard	NOUN
fueconorg-12029	75	43	and	and	CCONJ
fueconorg-12029	75	44	low	low	ADJ
fueconorg-12029	75	45	premiums	premium	NOUN
fueconorg-12029	75	46	dominate	dominate	VERB
fueconorg-12029	75	47	(	(	PUNCT
fueconorg-12029	75	48	rejda	rejda	NOUN
fueconorg-12029	75	49	,	,	PUNCT
fueconorg-12029	75	50	2005	2005	NUM
fueconorg-12029	75	51	,	,	PUNCT
fueconorg-12029	75	52	pp	pp	ADJ
fueconorg-12029	75	53	.	.	PUNCT
fueconorg-12029	76	1	67	67	NUM
fueconorg-12029	76	2	)	)	PUNCT
fueconorg-12029	76	3	.	.	PUNCT
fueconorg-12029	77	1	this	this	PRON
fueconorg-12029	77	2	ultimately	ultimately	ADV
fueconorg-12029	77	3	reflects	reflect	VERB
fueconorg-12029	77	4	on	on	ADP
fueconorg-12029	77	5	the	the	DET
fueconorg-12029	77	6	level	level	NOUN
fueconorg-12029	77	7	of	of	ADP
fueconorg-12029	77	8	claim	claim	NOUN
fueconorg-12029	77	9	coverage	coverage	NOUN
fueconorg-12029	77	10	.	.	PUNCT
fueconorg-12029	78	1	transitions	transition	NOUN
fueconorg-12029	78	2	from	from	ADP
fueconorg-12029	78	3	one	one	NUM
fueconorg-12029	78	4	insurance	insurance	NOUN
fueconorg-12029	78	5	market	market	NOUN
fueconorg-12029	78	6	to	to	ADP
fueconorg-12029	78	7	another	another	PRON
fueconorg-12029	78	8	occur	occur	VERB
fueconorg-12029	78	9	through	through	ADP
fueconorg-12029	78	10	four	four	NUM
fueconorg-12029	78	11	phases	phase	NOUN
fueconorg-12029	78	12	or	or	CCONJ
fueconorg-12029	78	13	steps	step	NOUN
fueconorg-12029	78	14	(	(	PUNCT
fueconorg-12029	78	15	trufin	trufin	NOUN
fueconorg-12029	78	16	,	,	PUNCT
fueconorg-12029	78	17	albrecher	albrecher	NOUN
fueconorg-12029	78	18	,	,	PUNCT
fueconorg-12029	78	19	denuit	denuit	NOUN
fueconorg-12029	78	20	,	,	PUNCT
fueconorg-12029	78	21	2009	2009	NUM
fueconorg-12029	78	22	,	,	PUNCT
fueconorg-12029	78	23	pp	pp	ADV
fueconorg-12029	78	24	.	.	PUNCT
fueconorg-12029	79	1	386	386	NUM
fueconorg-12029	79	2	)	)	PUNCT
fueconorg-12029	79	3	.	.	PUNCT
fueconorg-12029	80	1	▪	▪	NOUN
fueconorg-12029	80	2	in	in	ADP
fueconorg-12029	80	3	the	the	DET
fueconorg-12029	80	4	recession	recession	NOUN
fueconorg-12029	80	5	phase	phase	NOUN
fueconorg-12029	80	6	,	,	PUNCT
fueconorg-12029	80	7	insurers	insurer	NOUN
fueconorg-12029	80	8	strive	strive	VERB
fueconorg-12029	80	9	to	to	PART
fueconorg-12029	80	10	improve	improve	VERB
fueconorg-12029	80	11	their	their	PRON
fueconorg-12029	80	12	sales	sale	NOUN
fueconorg-12029	80	13	and	and	CCONJ
fueconorg-12029	80	14	consequently	consequently	ADV
fueconorg-12029	80	15	begin	begin	VERB
fueconorg-12029	80	16	to	to	PART
fueconorg-12029	80	17	lower	lower	VERB
fueconorg-12029	80	18	the	the	DET
fueconorg-12029	80	19	premium	premium	NOUN
fueconorg-12029	80	20	levels	level	NOUN
fueconorg-12029	80	21	,	,	PUNCT
fueconorg-12029	80	22	becoming	become	VERB
fueconorg-12029	80	23	more	more	ADV
fueconorg-12029	80	24	lenient	lenient	ADJ
fueconorg-12029	80	25	regarding	regard	VERB
fueconorg-12029	80	26	the	the	DET
fueconorg-12029	80	27	risks	risk	NOUN
fueconorg-12029	80	28	they	they	PRON
fueconorg-12029	80	29	accept	accept	VERB
fueconorg-12029	80	30	for	for	ADP
fueconorg-12029	80	31	coverage	coverage	NOUN
fueconorg-12029	80	32	.	.	PUNCT
fueconorg-12029	81	1	this	this	PRON
fueconorg-12029	81	2	leads	lead	VERB
fueconorg-12029	81	3	to	to	ADP
fueconorg-12029	81	4	greater	great	ADJ
fueconorg-12029	81	5	losses	loss	NOUN
fueconorg-12029	81	6	from	from	ADP
fueconorg-12029	81	7	insurance	insurance	NOUN
fueconorg-12029	81	8	operations	operation	NOUN
fueconorg-12029	81	9	.	.	PUNCT
fueconorg-12029	82	1	▪	▪	NOUN
fueconorg-12029	82	2	the	the	DET
fueconorg-12029	82	3	crisis	crisis	NOUN
fueconorg-12029	82	4	phase	phase	NOUN
fueconorg-12029	82	5	is	be	AUX
fueconorg-12029	82	6	characterized	characterize	VERB
fueconorg-12029	82	7	by	by	ADP
fueconorg-12029	82	8	insurers	insurer	NOUN
fueconorg-12029	82	9	'	'	PART
fueconorg-12029	82	10	efforts	effort	NOUN
fueconorg-12029	82	11	to	to	PART
fueconorg-12029	82	12	regain	regain	VERB
fueconorg-12029	82	13	profits	profit	NOUN
fueconorg-12029	82	14	by	by	ADP
fueconorg-12029	82	15	increasing	increase	VERB
fueconorg-12029	82	16	premiums	premium	NOUN
fueconorg-12029	82	17	and	and	CCONJ
fueconorg-12029	82	18	implementing	implement	VERB
fueconorg-12029	82	19	stricter	strict	ADJ
fueconorg-12029	82	20	conditions	condition	NOUN
fueconorg-12029	82	21	for	for	ADP
fueconorg-12029	82	22	accepting	accept	VERB
fueconorg-12029	82	23	risks	risk	NOUN
fueconorg-12029	82	24	into	into	ADP
fueconorg-12029	82	25	coverage	coverage	NOUN
fueconorg-12029	82	26	.	.	PUNCT
fueconorg-12029	83	1	this	this	PRON
fueconorg-12029	83	2	is	be	AUX
fueconorg-12029	83	3	achieved	achieve	VERB
fueconorg-12029	83	4	by	by	ADP
fueconorg-12029	83	5	offering	offer	VERB
fueconorg-12029	83	6	coverage	coverage	NOUN
fueconorg-12029	83	7	only	only	ADV
fueconorg-12029	83	8	for	for	ADP
fueconorg-12029	83	9	the	the	DET
fueconorg-12029	83	10	"	"	PUNCT
fueconorg-12029	83	11	safest	safe	ADJ
fueconorg-12029	83	12	"	"	PUNCT
fueconorg-12029	83	13	risks	risk	NOUN
fueconorg-12029	83	14	.	.	PUNCT
fueconorg-12029	84	1	▪	▪	NOUN
fueconorg-12029	84	2	considering	consider	VERB
fueconorg-12029	84	3	that	that	SCONJ
fueconorg-12029	84	4	the	the	DET
fueconorg-12029	84	5	sequence	sequence	NOUN
fueconorg-12029	84	6	of	of	ADP
fueconorg-12029	84	7	"	"	PUNCT
fueconorg-12029	84	8	hard	hard	ADJ
fueconorg-12029	84	9	"	"	PUNCT
fueconorg-12029	84	10	and	and	CCONJ
fueconorg-12029	84	11	"	"	PUNCT
fueconorg-12029	84	12	soft	soft	ADJ
fueconorg-12029	84	13	"	"	PUNCT
fueconorg-12029	84	14	markets	market	NOUN
fueconorg-12029	84	15	is	be	AUX
fueconorg-12029	84	16	documented	document	VERB
fueconorg-12029	84	17	by	by	ADP
fueconorg-12029	84	18	premium	premium	NOUN
fueconorg-12029	84	19	levels	level	NOUN
fueconorg-12029	84	20	,	,	PUNCT
fueconorg-12029	84	21	profitability	profitability	NOUN
fueconorg-12029	84	22	,	,	PUNCT
fueconorg-12029	84	23	and	and	CCONJ
fueconorg-12029	84	24	insurance	insurance	NOUN
fueconorg-12029	84	25	capacity	capacity	NOUN
fueconorg-12029	84	26	(	(	PUNCT
fueconorg-12029	84	27	manikowski	manikowski	INTJ
fueconorg-12029	84	28	,	,	PUNCT
fueconorg-12029	84	29	2012	2012	NUM
fueconorg-12029	84	30	,	,	PUNCT
fueconorg-12029	84	31	13098055	13098055	NUM
fueconorg-12029	84	32	)	)	PUNCT
fueconorg-12029	84	33	,	,	PUNCT
fueconorg-12029	84	34	in	in	ADP
fueconorg-12029	84	35	the	the	DET
fueconorg-12029	84	36	recovery	recovery	NOUN
fueconorg-12029	84	37	phase	phase	NOUN
fueconorg-12029	84	38	,	,	PUNCT
fueconorg-12029	84	39	profitability	profitability	NOUN
fueconorg-12029	84	40	does	do	AUX
fueconorg-12029	84	41	not	not	PART
fueconorg-12029	84	42	rise	rise	VERB
fueconorg-12029	84	43	above	above	ADP
fueconorg-12029	84	44	the	the	DET
fueconorg-12029	84	45	limits	limit	NOUN
fueconorg-12029	84	46	reached	reach	VERB
fueconorg-12029	84	47	during	during	ADP
fueconorg-12029	84	48	the	the	DET
fueconorg-12029	84	49	crisis	crisis	NOUN
fueconorg-12029	84	50	phase	phase	NOUN
fueconorg-12029	84	51	.	.	PUNCT
fueconorg-12029	85	1	▪	▪	NOUN
fueconorg-12029	85	2	during	during	ADP
fueconorg-12029	85	3	the	the	DET
fueconorg-12029	85	4	fourth	fourth	ADJ
fueconorg-12029	85	5	phase	phase	NOUN
fueconorg-12029	85	6	,	,	PUNCT
fueconorg-12029	85	7	profitability	profitability	NOUN
fueconorg-12029	85	8	gradually	gradually	ADV
fueconorg-12029	85	9	decreases	decrease	VERB
fueconorg-12029	85	10	,	,	PUNCT
fueconorg-12029	85	11	and	and	CCONJ
fueconorg-12029	85	12	the	the	DET
fueconorg-12029	85	13	insurance	insurance	NOUN
fueconorg-12029	85	14	industry	industry	NOUN
fueconorg-12029	85	15	returns	return	VERB
fueconorg-12029	85	16	to	to	ADP
fueconorg-12029	85	17	a	a	DET
fueconorg-12029	85	18	period	period	NOUN
fueconorg-12029	85	19	of	of	ADP
fueconorg-12029	85	20	low	low	ADJ
fueconorg-12029	85	21	profitability	profitability	NOUN
fueconorg-12029	85	22	.	.	PUNCT
fueconorg-12029	86	1	cycle	cycle	NOUN
fueconorg-12029	86	2	(	(	PUNCT
fueconorg-12029	86	3	mihelja	mihelja	NOUN
fueconorg-12029	86	4	žaja	žaja	PROPN
fueconorg-12029	86	5	m.	m.	PROPN
fueconorg-12029	86	6	,	,	PUNCT
fueconorg-12029	86	7	jakovčević	jakovčević	PROPN
fueconorg-12029	86	8	d.	d.	PROPN
fueconorg-12029	86	9	,	,	PUNCT
fueconorg-12029	86	10	anđelinović	anđelinović	PROPN
fueconorg-12029	86	11	m.	m.	NOUN
fueconorg-12029	86	12	,	,	PUNCT
fueconorg-12029	86	13	2014	2014	NUM
fueconorg-12029	86	14	.	.	PUNCT
fueconorg-12029	87	1	pp.99	pp.99	NOUN
fueconorg-12029	87	2	)	)	PUNCT
fueconorg-12029	87	3	fig	fig	NOUN
fueconorg-12029	87	4	.	.	PUNCT
fueconorg-12029	88	1	3	3	NUM
fueconorg-12029	88	2	insurance	insurance	NOUN
fueconorg-12029	88	3	cycle	cycle	NOUN
fueconorg-12029	88	4	source	source	NOUN
fueconorg-12029	88	5	:	:	PUNCT
fueconorg-12029	88	6	mihelja	mihelja	PROPN
fueconorg-12029	88	7	žaja	žaja	PROPN
fueconorg-12029	88	8	,	,	PUNCT
fueconorg-12029	88	9	jakovčević	jakovčević	PROPN
fueconorg-12029	88	10	,	,	PUNCT
fueconorg-12029	88	11	anđelinović	anđelinović	ADJ
fueconorg-12029	88	12	,	,	PUNCT
fueconorg-12029	88	13	2014	2014	NUM
fueconorg-12029	88	14	.	.	PUNCT
fueconorg-12029	89	1	p.	p.	NOUN
fueconorg-12029	89	2	99	99	NUM
fueconorg-12029	89	3	.	.	PUNCT
fueconorg-12029	90	1	the	the	DET
fueconorg-12029	90	2	duration	duration	NOUN
fueconorg-12029	90	3	of	of	ADP
fueconorg-12029	90	4	one	one	NUM
fueconorg-12029	90	5	insurance	insurance	NOUN
fueconorg-12029	90	6	cycle	cycle	NOUN
fueconorg-12029	90	7	,	,	PUNCT
fueconorg-12029	90	8	historically	historically	ADV
fueconorg-12029	90	9	observed	observe	VERB
fueconorg-12029	90	10	,	,	PUNCT
fueconorg-12029	90	11	is	be	AUX
fueconorg-12029	90	12	limited	limit	VERB
fueconorg-12029	90	13	to	to	ADP
fueconorg-12029	90	14	periods	period	NOUN
fueconorg-12029	90	15	of	of	ADP
fueconorg-12029	90	16	five	five	NUM
fueconorg-12029	90	17	to	to	PART
fueconorg-12029	90	18	seven	seven	NUM
fueconorg-12029	90	19	years	year	NOUN
fueconorg-12029	90	20	(	(	PUNCT
fueconorg-12029	90	21	venezian	venezian	PROPN
fueconorg-12029	90	22	1985	1985	NUM
fueconorg-12029	90	23	;	;	PUNCT
fueconorg-12029	90	24	cummins	cummin	NOUN
fueconorg-12029	90	25	,	,	PUNCT
fueconorg-12029	90	26	outreville	outreville	NOUN
fueconorg-12029	90	27	1987	1987	NUM
fueconorg-12029	90	28	;	;	PUNCT
fueconorg-12029	90	29	grace	grace	NOUN
fueconorg-12029	90	30	,	,	PUNCT
fueconorg-12029	90	31	hotchkiss	hotchkiss	PROPN
fueconorg-12029	90	32	1995	1995	NUM
fueconorg-12029	90	33	;	;	PUNCT
fueconorg-12029	90	34	lamm	lamm	PROPN
fueconorg-12029	90	35	-	-	PUNCT
fueconorg-12029	90	36	tennant	tennant	PROPN
fueconorg-12029	90	37	,	,	PUNCT
fueconorg-12029	90	38	weiss	weiss	NOUN
fueconorg-12029	90	39	1997	1997	NUM
fueconorg-12029	90	40	)	)	PUNCT
fueconorg-12029	90	41	.	.	PUNCT
fueconorg-12029	91	1	however	however	ADV
fueconorg-12029	91	2	,	,	PUNCT
fueconorg-12029	91	3	in	in	ADP
fueconorg-12029	91	4	different	different	ADJ
fueconorg-12029	91	5	countries	country	NOUN
fueconorg-12029	91	6	and	and	CCONJ
fueconorg-12029	91	7	for	for	ADP
fueconorg-12029	91	8	different	different	ADJ
fueconorg-12029	91	9	insurance	insurance	NOUN
fueconorg-12029	91	10	lines	line	NOUN
fueconorg-12029	91	11	,	,	PUNCT
fueconorg-12029	91	12	the	the	DET
fueconorg-12029	91	13	cycle	cycle	NOUN
fueconorg-12029	91	14	length	length	NOUN
fueconorg-12029	91	15	varies	vary	VERB
fueconorg-12029	91	16	.	.	PUNCT
fueconorg-12029	92	1	for	for	ADP
fueconorg-12029	92	2	example	example	NOUN
fueconorg-12029	92	3	,	,	PUNCT
fueconorg-12029	92	4	meier	meier	PROPN
fueconorg-12029	92	5	found	find	VERB
fueconorg-12029	92	6	that	that	SCONJ
fueconorg-12029	92	7	if	if	SCONJ
fueconorg-12029	92	8	a	a	DET
fueconorg-12029	92	9	larger	large	ADJ
fueconorg-12029	92	10	number	number	NOUN
fueconorg-12029	92	11	of	of	ADP
fueconorg-12029	92	12	explanatory	explanatory	ADJ
fueconorg-12029	92	13	variables	variable	NOUN
fueconorg-12029	92	14	are	be	AUX
fueconorg-12029	92	15	included	include	VERB
fueconorg-12029	92	16	in	in	ADP
fueconorg-12029	92	17	the	the	DET
fueconorg-12029	92	18	regression	regression	NOUN
fueconorg-12029	92	19	model	model	NOUN
fueconorg-12029	92	20	for	for	ADP
fueconorg-12029	92	21	calculating	calculate	VERB
fueconorg-12029	92	22	cycle	cycle	NOUN
fueconorg-12029	92	23	length	length	NOUN
fueconorg-12029	92	24	,	,	PUNCT
fueconorg-12029	92	25	the	the	DET
fueconorg-12029	92	26	insurance	insurance	NOUN
fueconorg-12029	92	27	cycle	cycle	NOUN
fueconorg-12029	92	28	in	in	ADP
fueconorg-12029	92	29	the	the	DET
fueconorg-12029	92	30	u.s	u.s	PROPN
fueconorg-12029	92	31	.	.	PROPN
fueconorg-12029	92	32	is	be	AUX
fueconorg-12029	92	33	10	10	NUM
fueconorg-12029	92	34	years	year	NOUN
fueconorg-12029	92	35	,	,	PUNCT
fueconorg-12029	92	36	and	and	CCONJ
fueconorg-12029	92	37	in	in	ADP
fueconorg-12029	92	38	some	some	DET
fueconorg-12029	92	39	countries	country	NOUN
fueconorg-12029	92	40	,	,	PUNCT
fueconorg-12029	92	41	it	it	PRON
fueconorg-12029	92	42	can	can	AUX
fueconorg-12029	92	43	reach	reach	VERB
fueconorg-12029	92	44	up	up	ADP
fueconorg-12029	92	45	to	to	PART
fueconorg-12029	92	46	18	18	NUM
fueconorg-12029	92	47	years	year	NOUN
fueconorg-12029	92	48	(	(	PUNCT
fueconorg-12029	92	49	manikowski	manikowski	ADV
fueconorg-12029	92	50	,	,	PUNCT
fueconorg-12029	92	51	2012	2012	NUM
fueconorg-12029	92	52	;	;	PUNCT
fueconorg-12029	92	53	boyer	boyer	PROPN
fueconorg-12029	92	54	,	,	PUNCT
fueconorg-12029	92	55	jacquier	jacquier	NOUN
fueconorg-12029	92	56	,	,	PUNCT
fueconorg-12029	92	57	norden	norden	PROPN
fueconorg-12029	92	58	,	,	PUNCT
fueconorg-12029	92	59	2012	2012	NUM
fueconorg-12029	92	60	,	,	PUNCT
fueconorg-12029	92	61	pp	pp	ADJ
fueconorg-12029	92	62	.	.	PUNCT
fueconorg-12029	93	1	995	995	NUM
fueconorg-12029	93	2	-	-	SYM
fueconorg-12029	93	3	1015	1015	NUM
fueconorg-12029	93	4	)	)	PUNCT
fueconorg-12029	93	5	.	.	PUNCT
fueconorg-12029	94	1	regarding	regard	VERB
fueconorg-12029	94	2	the	the	DET
fueconorg-12029	94	3	serbian	serbian	ADJ
fueconorg-12029	94	4	insurance	insurance	NOUN
fueconorg-12029	94	5	market	market	NOUN
fueconorg-12029	94	6	,	,	PUNCT
fueconorg-12029	94	7	data	datum	NOUN
fueconorg-12029	94	8	on	on	ADP
fueconorg-12029	94	9	cyclical	cyclical	ADJ
fueconorg-12029	94	10	movements	movement	NOUN
fueconorg-12029	94	11	are	be	AUX
fueconorg-12029	94	12	almost	almost	ADV
fueconorg-12029	94	13	nonexistent	nonexistent	ADJ
fueconorg-12029	94	14	.	.	PUNCT
fueconorg-12029	95	1	despite	despite	SCONJ
fueconorg-12029	95	2	this	this	PRON
fueconorg-12029	95	3	,	,	PUNCT
fueconorg-12029	95	4	many	many	ADJ
fueconorg-12029	95	5	authors	author	NOUN
fueconorg-12029	95	6	believe	believe	VERB
fueconorg-12029	95	7	there	there	PRON
fueconorg-12029	95	8	is	be	VERB
fueconorg-12029	95	9	no	no	DET
fueconorg-12029	95	10	possibility	possibility	NOUN
fueconorg-12029	95	11	of	of	ADP
fueconorg-12029	95	12	adequately	adequately	ADV
fueconorg-12029	95	13	using	use	VERB
fueconorg-12029	95	14	past	past	ADJ
fueconorg-12029	95	15	information	information	NOUN
fueconorg-12029	95	16	to	to	ADP
fueconorg-12029	95	17	time	time	NOUN
fueconorg-12029	95	18	risk	risk	NOUN
fueconorg-12029	95	19	factors	factor	NOUN
fueconorg-12029	95	20	for	for	ADP
fueconorg-12029	95	21	the	the	DET
fueconorg-12029	95	22	occurrence	occurrence	NOUN
fueconorg-12029	95	23	of	of	ADP
fueconorg-12029	95	24	claims	claim	NOUN
fueconorg-12029	95	25	and	and	CCONJ
fueconorg-12029	95	26	the	the	DET
fueconorg-12029	95	27	adequacy	adequacy	NOUN
fueconorg-12029	95	28	of	of	ADP
fueconorg-12029	95	29	non	non	ADJ
fueconorg-12029	95	30	-	-	ADJ
fueconorg-12029	95	31	life	life	ADJ
fueconorg-12029	95	32	insurance	insurance	NOUN
fueconorg-12029	95	33	premiums	premium	NOUN
fueconorg-12029	95	34	191	191	NUM
fueconorg-12029	95	35	determine	determine	NOUN
fueconorg-12029	95	36	premiums	premium	NOUN
fueconorg-12029	95	37	for	for	ADP
fueconorg-12029	95	38	insurance	insurance	NOUN
fueconorg-12029	95	39	products	product	NOUN
fueconorg-12029	95	40	that	that	PRON
fueconorg-12029	95	41	will	will	AUX
fueconorg-12029	95	42	be	be	AUX
fueconorg-12029	95	43	sold	sell	VERB
fueconorg-12029	95	44	"	"	PUNCT
fueconorg-12029	95	45	tomorrow	tomorrow	NOUN
fueconorg-12029	95	46	"	"	PUNCT
fueconorg-12029	95	47	and	and	CCONJ
fueconorg-12029	95	48	the	the	DET
fueconorg-12029	95	49	level	level	NOUN
fueconorg-12029	95	50	of	of	ADP
fueconorg-12029	95	51	claims	claim	NOUN
fueconorg-12029	95	52	that	that	PRON
fueconorg-12029	95	53	may	may	AUX
fueconorg-12029	95	54	arise	arise	VERB
fueconorg-12029	95	55	in	in	ADP
fueconorg-12029	95	56	the	the	DET
fueconorg-12029	95	57	distant	distant	ADJ
fueconorg-12029	95	58	future	future	NOUN
fueconorg-12029	95	59	.	.	PUNCT
fueconorg-12029	96	1	furthermore	furthermore	ADV
fueconorg-12029	96	2	,	,	PUNCT
fueconorg-12029	96	3	the	the	DET
fueconorg-12029	96	4	above	above	ADJ
fueconorg-12029	96	5	reasoning	reasoning	NOUN
fueconorg-12029	96	6	also	also	ADV
fueconorg-12029	96	7	explains	explain	VERB
fueconorg-12029	96	8	why	why	SCONJ
fueconorg-12029	96	9	cyclical	cyclical	ADJ
fueconorg-12029	96	10	movements	movement	NOUN
fueconorg-12029	96	11	in	in	ADP
fueconorg-12029	96	12	the	the	DET
fueconorg-12029	96	13	property	property	NOUN
fueconorg-12029	96	14	insurance	insurance	NOUN
fueconorg-12029	96	15	industry	industry	NOUN
fueconorg-12029	96	16	will	will	AUX
fueconorg-12029	96	17	continue	continue	VERB
fueconorg-12029	96	18	to	to	PART
fueconorg-12029	96	19	occur	occur	VERB
fueconorg-12029	96	20	in	in	ADP
fueconorg-12029	96	21	the	the	DET
fueconorg-12029	96	22	future	future	NOUN
fueconorg-12029	96	23	(	(	PUNCT
fueconorg-12029	96	24	njegomir	njegomir	NOUN
fueconorg-12029	96	25	,	,	PUNCT
fueconorg-12029	96	26	2006	2006	NUM
fueconorg-12029	96	27	,	,	PUNCT
fueconorg-12029	96	28	pp	pp	ADV
fueconorg-12029	96	29	.	.	PUNCT
fueconorg-12029	97	1	47	47	NUM
fueconorg-12029	97	2	-	-	SYM
fueconorg-12029	97	3	61	61	NUM
fueconorg-12029	97	4	)	)	PUNCT
fueconorg-12029	97	5	.	.	PUNCT
fueconorg-12029	98	1	the	the	DET
fueconorg-12029	98	2	causes	cause	NOUN
fueconorg-12029	98	3	that	that	PRON
fueconorg-12029	98	4	lead	lead	VERB
fueconorg-12029	98	5	to	to	ADP
fueconorg-12029	98	6	the	the	DET
fueconorg-12029	98	7	occurrence	occurrence	NOUN
fueconorg-12029	98	8	of	of	ADP
fueconorg-12029	98	9	cycles	cycle	NOUN
fueconorg-12029	98	10	in	in	ADP
fueconorg-12029	98	11	non	non	ADJ
fueconorg-12029	98	12	-	-	ADJ
fueconorg-12029	98	13	life	life	ADJ
fueconorg-12029	98	14	insurance	insurance	NOUN
fueconorg-12029	98	15	are	be	AUX
fueconorg-12029	98	16	numerous	numerous	ADJ
fueconorg-12029	98	17	.	.	PUNCT
fueconorg-12029	99	1	the	the	DET
fueconorg-12029	99	2	most	most	ADV
fueconorg-12029	99	3	significant	significant	ADJ
fueconorg-12029	99	4	include	include	NOUN
fueconorg-12029	99	5	:	:	PUNCT
fueconorg-12029	99	6	delayed	delay	VERB
fueconorg-12029	99	7	availability	availability	NOUN
fueconorg-12029	99	8	of	of	ADP
fueconorg-12029	99	9	information	information	NOUN
fueconorg-12029	99	10	and	and	CCONJ
fueconorg-12029	99	11	premium	premium	NOUN
fueconorg-12029	99	12	adjustments	adjustment	NOUN
fueconorg-12029	99	13	,	,	PUNCT
fueconorg-12029	99	14	dependence	dependence	NOUN
fueconorg-12029	99	15	on	on	ADP
fueconorg-12029	99	16	the	the	DET
fueconorg-12029	99	17	capital	capital	NOUN
fueconorg-12029	99	18	market	market	NOUN
fueconorg-12029	99	19	,	,	PUNCT
fueconorg-12029	99	20	adjustments	adjustment	NOUN
fueconorg-12029	99	21	in	in	ADP
fueconorg-12029	99	22	reserve	reserve	NOUN
fueconorg-12029	99	23	levels	level	NOUN
fueconorg-12029	99	24	,	,	PUNCT
fueconorg-12029	99	25	the	the	DET
fueconorg-12029	99	26	state	state	NOUN
fueconorg-12029	99	27	of	of	ADP
fueconorg-12029	99	28	profitability	profitability	NOUN
fueconorg-12029	99	29	and	and	CCONJ
fueconorg-12029	99	30	cash	cash	NOUN
fueconorg-12029	99	31	flows	flow	NOUN
fueconorg-12029	99	32	,	,	PUNCT
fueconorg-12029	99	33	forecasting	forecasting	NOUN
fueconorg-12029	99	34	errors	error	NOUN
fueconorg-12029	99	35	,	,	PUNCT
fueconorg-12029	99	36	insurer	insurer	NOUN
fueconorg-12029	99	37	moral	moral	ADJ
fueconorg-12029	99	38	hazard	hazard	NOUN
fueconorg-12029	99	39	,	,	PUNCT
fueconorg-12029	99	40	risky	risky	ADJ
fueconorg-12029	99	41	debt	debt	NOUN
fueconorg-12029	99	42	,	,	PUNCT
fueconorg-12029	99	43	interest	interest	NOUN
fueconorg-12029	99	44	rate	rate	NOUN
fueconorg-12029	99	45	fluctuations	fluctuation	NOUN
fueconorg-12029	99	46	,	,	PUNCT
fueconorg-12029	99	47	and	and	CCONJ
fueconorg-12029	99	48	capacity	capacity	NOUN
fueconorg-12029	99	49	limitations	limitation	NOUN
fueconorg-12029	99	50	in	in	ADP
fueconorg-12029	99	51	underwriting	underwriting	NOUN
fueconorg-12029	99	52	(	(	PUNCT
fueconorg-12029	99	53	dionne	dionne	PROPN
fueconorg-12029	99	54	,	,	PUNCT
fueconorg-12029	99	55	2000	2000	NUM
fueconorg-12029	99	56	,	,	PUNCT
fueconorg-12029	99	57	pp	pp	ADJ
fueconorg-12029	99	58	.	.	PUNCT
fueconorg-12029	100	1	4	4	NUM
fueconorg-12029	100	2	;	;	PUNCT
fueconorg-12029	100	3	skurnik	skurnik	X
fueconorg-12029	100	4	,	,	PUNCT
fueconorg-12029	100	5	2003	2003	NUM
fueconorg-12029	100	6	,	,	PUNCT
fueconorg-12029	100	7	pp	pp	ADP
fueconorg-12029	100	8	.	.	PUNCT
fueconorg-12029	101	1	378	378	NUM
fueconorg-12029	101	2	-	-	SYM
fueconorg-12029	101	3	381	381	NUM
fueconorg-12029	101	4	)	)	PUNCT
fueconorg-12029	101	5	.	.	PUNCT
fueconorg-12029	102	1	3	3	X
fueconorg-12029	102	2	.	.	X
fueconorg-12029	102	3	premium	premium	NOUN
fueconorg-12029	102	4	as	as	ADP
fueconorg-12029	102	5	a	a	DET
fueconorg-12029	102	6	function	function	NOUN
fueconorg-12029	102	7	of	of	ADP
fueconorg-12029	102	8	fundamental	fundamental	ADJ
fueconorg-12029	102	9	risks	risk	NOUN
fueconorg-12029	102	10	by	by	ADP
fueconorg-12029	102	11	accepting	accept	VERB
fueconorg-12029	102	12	risks	risk	NOUN
fueconorg-12029	102	13	of	of	ADP
fueconorg-12029	102	14	claims	claim	NOUN
fueconorg-12029	102	15	into	into	ADP
fueconorg-12029	102	16	insurance	insurance	NOUN
fueconorg-12029	102	17	,	,	PUNCT
fueconorg-12029	102	18	an	an	DET
fueconorg-12029	102	19	insurance	insurance	NOUN
fueconorg-12029	102	20	company	company	NOUN
fueconorg-12029	102	21	forms	form	VERB
fueconorg-12029	102	22	a	a	DET
fueconorg-12029	102	23	grouping	grouping	NOUN
fueconorg-12029	102	24	of	of	ADP
fueconorg-12029	102	25	risks	risk	NOUN
fueconorg-12029	102	26	and	and	CCONJ
fueconorg-12029	102	27	disperses	disperse	VERB
fueconorg-12029	102	28	them	they	PRON
fueconorg-12029	102	29	,	,	PUNCT
fueconorg-12029	102	30	which	which	PRON
fueconorg-12029	102	31	implies	imply	VERB
fueconorg-12029	102	32	that	that	SCONJ
fueconorg-12029	102	33	,	,	PUNCT
fueconorg-12029	102	34	given	give	VERB
fueconorg-12029	102	35	a	a	DET
fueconorg-12029	102	36	sufficient	sufficient	ADJ
fueconorg-12029	102	37	number	number	NOUN
fueconorg-12029	102	38	of	of	ADP
fueconorg-12029	102	39	insured	insure	VERB
fueconorg-12029	102	40	homogeneous	homogeneous	ADJ
fueconorg-12029	102	41	risks	risk	NOUN
fueconorg-12029	102	42	,	,	PUNCT
fueconorg-12029	102	43	losses	loss	NOUN
fueconorg-12029	102	44	will	will	AUX
fueconorg-12029	102	45	occur	occur	VERB
fueconorg-12029	102	46	according	accord	VERB
fueconorg-12029	102	47	to	to	ADP
fueconorg-12029	102	48	the	the	DET
fueconorg-12029	102	49	anticipated	anticipated	ADJ
fueconorg-12029	102	50	scenario	scenario	NOUN
fueconorg-12029	102	51	.	.	PUNCT
fueconorg-12029	103	1	however	however	ADV
fueconorg-12029	103	2	,	,	PUNCT
fueconorg-12029	103	3	the	the	DET
fueconorg-12029	103	4	temporal	temporal	ADJ
fueconorg-12029	103	5	mismatch	mismatch	NOUN
fueconorg-12029	103	6	between	between	ADP
fueconorg-12029	103	7	premium	premium	NOUN
fueconorg-12029	103	8	agreement	agreement	NOUN
fueconorg-12029	103	9	and	and	CCONJ
fueconorg-12029	103	10	claim	claim	VERB
fueconorg-12029	103	11	payment	payment	NOUN
fueconorg-12029	103	12	,	,	PUNCT
fueconorg-12029	103	13	as	as	ADV
fueconorg-12029	103	14	well	well	ADV
fueconorg-12029	103	15	as	as	ADP
fueconorg-12029	103	16	the	the	DET
fueconorg-12029	103	17	uncertainty	uncertainty	NOUN
fueconorg-12029	103	18	of	of	ADP
fueconorg-12029	103	19	the	the	DET
fueconorg-12029	103	20	frequency	frequency	NOUN
fueconorg-12029	103	21	and	and	CCONJ
fueconorg-12029	103	22	intensity	intensity	NOUN
fueconorg-12029	103	23	of	of	ADP
fueconorg-12029	103	24	claims	claim	NOUN
fueconorg-12029	103	25	,	,	PUNCT
fueconorg-12029	103	26	results	result	NOUN
fueconorg-12029	103	27	in	in	ADP
fueconorg-12029	103	28	the	the	DET
fueconorg-12029	103	29	absence	absence	NOUN
fueconorg-12029	103	30	of	of	ADP
fueconorg-12029	103	31	a	a	DET
fueconorg-12029	103	32	unique	unique	ADJ
fueconorg-12029	103	33	methodology	methodology	NOUN
fueconorg-12029	103	34	for	for	ADP
fueconorg-12029	103	35	determining	determine	VERB
fueconorg-12029	103	36	premiums	premium	NOUN
fueconorg-12029	103	37	.	.	PUNCT
fueconorg-12029	104	1	according	accord	VERB
fueconorg-12029	104	2	to	to	ADP
fueconorg-12029	104	3	denuit	denuit	NOUN
fueconorg-12029	104	4	,	,	PUNCT
fueconorg-12029	104	5	the	the	DET
fueconorg-12029	104	6	concept	concept	NOUN
fueconorg-12029	104	7	of	of	ADP
fueconorg-12029	104	8	pricing	pricing	NOUN
fueconorg-12029	104	9	insurance	insurance	NOUN
fueconorg-12029	104	10	can	can	AUX
fueconorg-12029	104	11	be	be	AUX
fueconorg-12029	104	12	seen	see	VERB
fueconorg-12029	104	13	as	as	ADP
fueconorg-12029	104	14	a	a	DET
fueconorg-12029	104	15	procedure	procedure	NOUN
fueconorg-12029	104	16	that	that	PRON
fueconorg-12029	104	17	involves	involve	VERB
fueconorg-12029	104	18	determining	determine	VERB
fueconorg-12029	104	19	a	a	DET
fueconorg-12029	104	20	fair	fair	ADJ
fueconorg-12029	104	21	premium	premium	NOUN
fueconorg-12029	104	22	that	that	PRON
fueconorg-12029	104	23	is	be	AUX
fueconorg-12029	104	24	adequate	adequate	ADJ
fueconorg-12029	104	25	for	for	ADP
fueconorg-12029	104	26	the	the	DET
fueconorg-12029	104	27	individual	individual	ADJ
fueconorg-12029	104	28	risk	risk	NOUN
fueconorg-12029	104	29	profile	profile	NOUN
fueconorg-12029	104	30	of	of	ADP
fueconorg-12029	104	31	the	the	DET
fueconorg-12029	104	32	policyholder	policyholder	NOUN
fueconorg-12029	104	33	.	.	PUNCT
fueconorg-12029	105	1	starting	start	VERB
fueconorg-12029	105	2	from	from	ADP
fueconorg-12029	105	3	this	this	DET
fueconorg-12029	105	4	idea	idea	NOUN
fueconorg-12029	105	5	,	,	PUNCT
fueconorg-12029	105	6	some	some	DET
fueconorg-12029	105	7	authors	author	NOUN
fueconorg-12029	105	8	view	view	VERB
fueconorg-12029	105	9	the	the	DET
fueconorg-12029	105	10	process	process	NOUN
fueconorg-12029	105	11	of	of	ADP
fueconorg-12029	105	12	determining	determine	VERB
fueconorg-12029	105	13	insurance	insurance	NOUN
fueconorg-12029	105	14	pricing	pricing	NOUN
fueconorg-12029	105	15	as	as	ADP
fueconorg-12029	105	16	a	a	DET
fueconorg-12029	105	17	method	method	NOUN
fueconorg-12029	105	18	for	for	ADP
fueconorg-12029	105	19	establishing	establish	VERB
fueconorg-12029	105	20	the	the	DET
fueconorg-12029	105	21	price	price	NOUN
fueconorg-12029	105	22	that	that	PRON
fueconorg-12029	105	23	policyholders	policyholder	NOUN
fueconorg-12029	105	24	pay	pay	VERB
fueconorg-12029	105	25	to	to	ADP
fueconorg-12029	105	26	the	the	DET
fueconorg-12029	105	27	insurance	insurance	NOUN
fueconorg-12029	105	28	company	company	NOUN
fueconorg-12029	105	29	in	in	ADP
fueconorg-12029	105	30	exchange	exchange	NOUN
fueconorg-12029	105	31	for	for	ADP
fueconorg-12029	105	32	risk	risk	NOUN
fueconorg-12029	105	33	transfer	transfer	NOUN
fueconorg-12029	105	34	.	.	PUNCT
fueconorg-12029	106	1	in	in	ADP
fueconorg-12029	106	2	recent	recent	ADJ
fueconorg-12029	106	3	empirical	empirical	ADJ
fueconorg-12029	106	4	studies	study	NOUN
fueconorg-12029	106	5	,	,	PUNCT
fueconorg-12029	106	6	there	there	PRON
fueconorg-12029	106	7	are	be	VERB
fueconorg-12029	106	8	claims	claim	NOUN
fueconorg-12029	106	9	that	that	SCONJ
fueconorg-12029	106	10	the	the	DET
fueconorg-12029	106	11	price	price	NOUN
fueconorg-12029	106	12	of	of	ADP
fueconorg-12029	106	13	insurance	insurance	NOUN
fueconorg-12029	106	14	is	be	AUX
fueconorg-12029	106	15	an	an	DET
fueconorg-12029	106	16	effective	effective	ADJ
fueconorg-12029	106	17	mechanism	mechanism	NOUN
fueconorg-12029	106	18	against	against	ADP
fueconorg-12029	106	19	asymmetric	asymmetric	ADJ
fueconorg-12029	106	20	information	information	NOUN
fueconorg-12029	106	21	only	only	ADV
fueconorg-12029	106	22	if	if	SCONJ
fueconorg-12029	106	23	the	the	DET
fueconorg-12029	106	24	insurance	insurance	NOUN
fueconorg-12029	106	25	portfolio	portfolio	NOUN
fueconorg-12029	106	26	is	be	AUX
fueconorg-12029	106	27	divided	divide	VERB
fueconorg-12029	106	28	into	into	ADP
fueconorg-12029	106	29	sub	sub	NOUN
fueconorg-12029	106	30	-	-	NOUN
fueconorg-12029	106	31	portfolios	portfolio	NOUN
fueconorg-12029	106	32	,	,	PUNCT
fueconorg-12029	106	33	as	as	SCONJ
fueconorg-12029	106	34	the	the	DET
fueconorg-12029	106	35	risks	risk	NOUN
fueconorg-12029	106	36	are	be	AUX
fueconorg-12029	106	37	independent	independent	ADJ
fueconorg-12029	106	38	variables	variable	NOUN
fueconorg-12029	106	39	,	,	PUNCT
fueconorg-12029	106	40	and	and	CCONJ
fueconorg-12029	106	41	each	each	DET
fueconorg-12029	106	42	risk	risk	NOUN
fueconorg-12029	106	43	class	class	NOUN
fueconorg-12029	106	44	has	have	VERB
fueconorg-12029	106	45	its	its	PRON
fueconorg-12029	106	46	own	own	ADJ
fueconorg-12029	106	47	premium	premium	NOUN
fueconorg-12029	106	48	depending	depend	VERB
fueconorg-12029	106	49	on	on	ADP
fueconorg-12029	106	50	the	the	DET
fueconorg-12029	106	51	severity	severity	NOUN
fueconorg-12029	106	52	of	of	ADP
fueconorg-12029	106	53	the	the	DET
fueconorg-12029	106	54	risk	risk	NOUN
fueconorg-12029	106	55	(	(	PUNCT
fueconorg-12029	106	56	chiappori	chiappori	NOUN
fueconorg-12029	106	57	,	,	PUNCT
fueconorg-12029	106	58	salanié	salanié	NOUN
fueconorg-12029	106	59	2000	2000	NUM
fueconorg-12029	106	60	;	;	PUNCT
fueconorg-12029	106	61	dionne	dionne	PROPN
fueconorg-12029	106	62	,	,	PUNCT
fueconorg-12029	106	63	gouriéroux	gouriéroux	NOUN
fueconorg-12029	106	64	,	,	PUNCT
fueconorg-12029	106	65	vanasse	vanasse	NOUN
fueconorg-12029	106	66	,	,	PUNCT
fueconorg-12029	106	67	2001	2001	NUM
fueconorg-12029	106	68	.	.	PUNCT
fueconorg-12029	106	69	)	)	PUNCT
fueconorg-12029	106	70	.	.	PUNCT
fueconorg-12029	107	1	the	the	DET
fueconorg-12029	107	2	contracting	contracting	NOUN
fueconorg-12029	107	3	of	of	ADP
fueconorg-12029	107	4	equal	equal	ADJ
fueconorg-12029	107	5	premiums	premium	NOUN
fueconorg-12029	107	6	for	for	ADP
fueconorg-12029	107	7	all	all	DET
fueconorg-12029	107	8	policyholders	policyholder	NOUN
fueconorg-12029	107	9	of	of	ADP
fueconorg-12029	107	10	a	a	DET
fueconorg-12029	107	11	certain	certain	ADJ
fueconorg-12029	107	12	type	type	NOUN
fueconorg-12029	107	13	of	of	ADP
fueconorg-12029	107	14	insurance	insurance	NOUN
fueconorg-12029	107	15	implies	imply	VERB
fueconorg-12029	107	16	that	that	SCONJ
fueconorg-12029	107	17	the	the	DET
fueconorg-12029	107	18	adequacy	adequacy	NOUN
fueconorg-12029	107	19	of	of	ADP
fueconorg-12029	107	20	the	the	DET
fueconorg-12029	107	21	premium	premium	NOUN
fueconorg-12029	107	22	to	to	PART
fueconorg-12029	107	23	cover	cover	VERB
fueconorg-12029	107	24	the	the	DET
fueconorg-12029	107	25	insurer	insurer	NOUN
fueconorg-12029	107	26	's	's	PART
fueconorg-12029	107	27	expected	expect	VERB
fueconorg-12029	107	28	losses	loss	NOUN
fueconorg-12029	107	29	depends	depend	VERB
fueconorg-12029	107	30	on	on	ADP
fueconorg-12029	107	31	the	the	DET
fueconorg-12029	107	32	participation	participation	NOUN
fueconorg-12029	107	33	of	of	ADP
fueconorg-12029	107	34	policyholders	policyholder	NOUN
fueconorg-12029	107	35	from	from	ADP
fueconorg-12029	107	36	individual	individual	ADJ
fueconorg-12029	107	37	homogeneous	homogeneous	ADJ
fueconorg-12029	107	38	risk	risk	NOUN
fueconorg-12029	107	39	groups	group	NOUN
fueconorg-12029	107	40	,	,	PUNCT
fueconorg-12029	107	41	which	which	PRON
fueconorg-12029	107	42	ultimately	ultimately	ADV
fueconorg-12029	107	43	causes	cause	VERB
fueconorg-12029	107	44	premium	premium	NOUN
fueconorg-12029	107	45	instability	instability	NOUN
fueconorg-12029	107	46	and	and	CCONJ
fueconorg-12029	107	47	negative	negative	ADJ
fueconorg-12029	107	48	risk	risk	NOUN
fueconorg-12029	107	49	selection	selection	NOUN
fueconorg-12029	107	50	.	.	PUNCT
fueconorg-12029	108	1	therefore	therefore	ADV
fueconorg-12029	108	2	,	,	PUNCT
fueconorg-12029	108	3	insurers	insurer	NOUN
fueconorg-12029	108	4	must	must	AUX
fueconorg-12029	108	5	pay	pay	VERB
fueconorg-12029	108	6	attention	attention	NOUN
fueconorg-12029	108	7	to	to	ADP
fueconorg-12029	108	8	defining	define	VERB
fueconorg-12029	108	9	risk	risk	NOUN
fueconorg-12029	108	10	factors	factor	NOUN
fueconorg-12029	108	11	and	and	CCONJ
fueconorg-12029	108	12	create	create	VERB
fueconorg-12029	108	13	tariffs	tariff	NOUN
fueconorg-12029	108	14	according	accord	VERB
fueconorg-12029	108	15	to	to	ADP
fueconorg-12029	108	16	the	the	DET
fueconorg-12029	108	17	assessed	assessed	ADJ
fueconorg-12029	108	18	risks	risk	NOUN
fueconorg-12029	108	19	.	.	PUNCT
fueconorg-12029	109	1	the	the	DET
fueconorg-12029	109	2	"	"	PUNCT
fueconorg-12029	109	3	fair	fair	ADJ
fueconorg-12029	109	4	"	"	PUNCT
fueconorg-12029	109	5	risk	risk	NOUN
fueconorg-12029	109	6	-	-	PUNCT
fueconorg-12029	109	7	premium	premium	NOUN
fueconorg-12029	109	8	,	,	PUNCT
fueconorg-12029	109	9	or	or	CCONJ
fueconorg-12029	109	10	the	the	DET
fueconorg-12029	109	11	premium	premium	NOUN
fueconorg-12029	109	12	that	that	PRON
fueconorg-12029	109	13	would	would	AUX
fueconorg-12029	109	14	correspond	correspond	VERB
fueconorg-12029	109	15	to	to	ADP
fueconorg-12029	109	16	the	the	DET
fueconorg-12029	109	17	risk	risk	NOUN
fueconorg-12029	109	18	for	for	ADP
fueconorg-12029	109	19	each	each	DET
fueconorg-12029	109	20	individual	individual	ADJ
fueconorg-12029	109	21	homogeneous	homogeneous	ADJ
fueconorg-12029	109	22	risk	risk	NOUN
fueconorg-12029	109	23	group	group	NOUN
fueconorg-12029	109	24	,	,	PUNCT
fueconorg-12029	109	25	can	can	AUX
fueconorg-12029	109	26	be	be	AUX
fueconorg-12029	109	27	represented	represent	VERB
fueconorg-12029	109	28	by	by	ADP
fueconorg-12029	109	29	an	an	DET
fueconorg-12029	109	30	equation	equation	NOUN
fueconorg-12029	109	31	:	:	PUNCT
fueconorg-12029	109	32	pi	pi	NOUN
fueconorg-12029	109	33	=	=	SYM
fueconorg-12029	109	34	e(xi	e(xi	NUM
fueconorg-12029	109	35	)	)	PUNCT
fueconorg-12029	109	36	(	(	PUNCT
fueconorg-12029	109	37	1	1	X
fueconorg-12029	109	38	)	)	PUNCT
fueconorg-12029	109	39	where	where	SCONJ
fueconorg-12029	109	40	:	:	PUNCT
fueconorg-12029	109	41	pi	pi	NOUN
fueconorg-12029	109	42	is	be	AUX
fueconorg-12029	109	43	the	the	DET
fueconorg-12029	109	44	"	"	PUNCT
fueconorg-12029	109	45	fair	fair	ADJ
fueconorg-12029	109	46	"	"	PUNCT
fueconorg-12029	109	47	risk	risk	NOUN
fueconorg-12029	109	48	-	-	PUNCT
fueconorg-12029	109	49	premium	premium	NOUN
fueconorg-12029	109	50	for	for	ADP
fueconorg-12029	109	51	each	each	DET
fueconorg-12029	109	52	homogeneous	homogeneous	ADJ
fueconorg-12029	109	53	risk	risk	NOUN
fueconorg-12029	109	54	group	group	NOUN
fueconorg-12029	109	55	;	;	PUNCT
fueconorg-12029	109	56	e(xi	e(xi	NUM
fueconorg-12029	109	57	)	)	PUNCT
fueconorg-12029	109	58	is	be	AUX
fueconorg-12029	109	59	the	the	DET
fueconorg-12029	109	60	expected	expect	VERB
fueconorg-12029	109	61	amount	amount	NOUN
fueconorg-12029	109	62	of	of	ADP
fueconorg-12029	109	63	losses	loss	NOUN
fueconorg-12029	109	64	for	for	ADP
fueconorg-12029	109	65	each	each	DET
fueconorg-12029	109	66	homogeneous	homogeneous	ADJ
fueconorg-12029	109	67	risk	risk	NOUN
fueconorg-12029	109	68	group	group	NOUN
fueconorg-12029	109	69	;	;	PUNCT
fueconorg-12029	109	70	and	and	CCONJ
fueconorg-12029	109	71	i	i	PRON
fueconorg-12029	109	72	represents	represent	VERB
fueconorg-12029	109	73	the	the	DET
fueconorg-12029	109	74	homogeneous	homogeneous	ADJ
fueconorg-12029	109	75	risk	risk	NOUN
fueconorg-12029	109	76	group	group	NOUN
fueconorg-12029	109	77	where	where	SCONJ
fueconorg-12029	109	78	i	i	PRON
fueconorg-12029	109	79	=	=	NOUN
fueconorg-12029	109	80	1	1	NUM
fueconorg-12029	109	81	,	,	PUNCT
fueconorg-12029	109	82	2	2	NUM
fueconorg-12029	109	83	,	,	PUNCT
fueconorg-12029	109	84	...	...	PUNCT
fueconorg-12029	109	85	,	,	PUNCT
fueconorg-12029	109	86	m.	m.	NOUN
fueconorg-12029	109	87	however	however	ADV
fueconorg-12029	109	88	,	,	PUNCT
fueconorg-12029	109	89	the	the	DET
fueconorg-12029	109	90	general	general	ADJ
fueconorg-12029	109	91	requirement	requirement	NOUN
fueconorg-12029	109	92	is	be	AUX
fueconorg-12029	109	93	that	that	SCONJ
fueconorg-12029	109	94	the	the	DET
fueconorg-12029	109	95	premium	premium	NOUN
fueconorg-12029	109	96	be	be	AUX
fueconorg-12029	109	97	assessed	assess	VERB
fueconorg-12029	109	98	based	base	VERB
fueconorg-12029	109	99	on	on	ADP
fueconorg-12029	109	100	all	all	DET
fueconorg-12029	109	101	expected	expect	VERB
fueconorg-12029	109	102	future	future	ADJ
fueconorg-12029	109	103	costs	cost	NOUN
fueconorg-12029	109	104	related	relate	VERB
fueconorg-12029	109	105	to	to	ADP
fueconorg-12029	109	106	the	the	DET
fueconorg-12029	109	107	transfer	transfer	NOUN
fueconorg-12029	109	108	of	of	ADP
fueconorg-12029	109	109	risk	risk	NOUN
fueconorg-12029	109	110	of	of	ADP
fueconorg-12029	109	111	claims	claim	NOUN
fueconorg-12029	109	112	to	to	ADP
fueconorg-12029	109	113	the	the	DET
fueconorg-12029	109	114	insurance	insurance	NOUN
fueconorg-12029	109	115	company	company	NOUN
fueconorg-12029	109	116	.	.	PUNCT
fueconorg-12029	110	1	in	in	ADP
fueconorg-12029	110	2	this	this	DET
fueconorg-12029	110	3	sense	sense	NOUN
fueconorg-12029	110	4	,	,	PUNCT
fueconorg-12029	110	5	the	the	DET
fueconorg-12029	110	6	insurer	insurer	NOUN
fueconorg-12029	110	7	should	should	AUX
fueconorg-12029	110	8	calculate	calculate	VERB
fueconorg-12029	110	9	the	the	DET
fueconorg-12029	110	10	following	follow	VERB
fueconorg-12029	110	11	indicators	indicator	NOUN
fueconorg-12029	110	12	:	:	PUNCT
fueconorg-12029	110	13	loss	loss	NOUN
fueconorg-12029	110	14	ratio	ratio	NOUN
fueconorg-12029	110	15	,	,	PUNCT
fueconorg-12029	110	16	expense	expense	NOUN
fueconorg-12029	110	17	ratio	ratio	NOUN
fueconorg-12029	110	18	,	,	PUNCT
fueconorg-12029	110	19	combined	combined	ADJ
fueconorg-12029	110	20	ratio	ratio	NOUN
fueconorg-12029	110	21	,	,	PUNCT
fueconorg-12029	110	22	and	and	CCONJ
fueconorg-12029	110	23	operational	operational	ADJ
fueconorg-12029	110	24	ratio	ratio	NOUN
fueconorg-12029	110	25	using	use	VERB
fueconorg-12029	110	26	data	datum	NOUN
fueconorg-12029	110	27	from	from	ADP
fueconorg-12029	110	28	the	the	DET
fueconorg-12029	110	29	income	income	NOUN
fueconorg-12029	110	30	statement	statement	NOUN
fueconorg-12029	110	31	for	for	ADP
fueconorg-12029	110	32	the	the	DET
fueconorg-12029	110	33	reporting	reporting	NOUN
fueconorg-12029	110	34	period	period	NOUN
fueconorg-12029	110	35	.	.	PUNCT
fueconorg-12029	111	1	the	the	DET
fueconorg-12029	111	2	loss	loss	NOUN
fueconorg-12029	111	3	ratio	ratio	NOUN
fueconorg-12029	111	4	represents	represent	VERB
fueconorg-12029	111	5	the	the	DET
fueconorg-12029	111	6	relationship	relationship	NOUN
fueconorg-12029	111	7	between	between	ADP
fueconorg-12029	111	8	the	the	DET
fueconorg-12029	111	9	claims	claim	NOUN
fueconorg-12029	111	10	that	that	PRON
fueconorg-12029	111	11	have	have	AUX
fueconorg-12029	111	12	occurred	occur	VERB
fueconorg-12029	111	13	and	and	CCONJ
fueconorg-12029	111	14	the	the	DET
fueconorg-12029	111	15	earned	earn	VERB
fueconorg-12029	111	16	premiums	premium	NOUN
fueconorg-12029	111	17	.	.	PUNCT
fueconorg-12029	112	1	this	this	DET
fueconorg-12029	112	2	calculation	calculation	NOUN
fueconorg-12029	112	3	indicates	indicate	VERB
fueconorg-12029	112	4	whether	whether	SCONJ
fueconorg-12029	112	5	the	the	DET
fueconorg-12029	112	6	premiums	premium	NOUN
fueconorg-12029	112	7	cover	cover	VERB
fueconorg-12029	112	8	the	the	DET
fueconorg-12029	112	9	risk	risk	NOUN
fueconorg-12029	112	10	192	192	NUM
fueconorg-12029	112	11	m.	m.	NOUN
fueconorg-12029	112	12	milutinović	milutinović	NOUN
fueconorg-12029	112	13	taken	take	VERB
fueconorg-12029	112	14	under	under	ADP
fueconorg-12029	112	15	the	the	DET
fueconorg-12029	112	16	insurance	insurance	NOUN
fueconorg-12029	112	17	contract	contract	NOUN
fueconorg-12029	112	18	.	.	PUNCT
fueconorg-12029	113	1	the	the	DET
fueconorg-12029	113	2	expense	expense	NOUN
fueconorg-12029	113	3	ratio	ratio	NOUN
fueconorg-12029	113	4	is	be	AUX
fueconorg-12029	113	5	the	the	DET
fueconorg-12029	113	6	ratio	ratio	NOUN
fueconorg-12029	113	7	of	of	ADP
fueconorg-12029	113	8	expenses	expense	NOUN
fueconorg-12029	113	9	to	to	PART
fueconorg-12029	113	10	earned	earn	VERB
fueconorg-12029	113	11	premiums	premium	NOUN
fueconorg-12029	113	12	,	,	PUNCT
fueconorg-12029	113	13	where	where	SCONJ
fueconorg-12029	113	14	expenses	expense	NOUN
fueconorg-12029	113	15	include	include	VERB
fueconorg-12029	113	16	commissions	commission	NOUN
fueconorg-12029	113	17	,	,	PUNCT
fueconorg-12029	113	18	administrative	administrative	ADJ
fueconorg-12029	113	19	costs	cost	NOUN
fueconorg-12029	113	20	,	,	PUNCT
fueconorg-12029	113	21	and	and	CCONJ
fueconorg-12029	113	22	other	other	ADJ
fueconorg-12029	113	23	costs	cost	NOUN
fueconorg-12029	113	24	associated	associate	VERB
fueconorg-12029	113	25	with	with	ADP
fueconorg-12029	113	26	the	the	DET
fueconorg-12029	113	27	implementation	implementation	NOUN
fueconorg-12029	113	28	of	of	ADP
fueconorg-12029	113	29	the	the	DET
fueconorg-12029	113	30	insurance	insurance	NOUN
fueconorg-12029	113	31	.	.	PUNCT
fueconorg-12029	114	1	this	this	DET
fueconorg-12029	114	2	ratio	ratio	NOUN
fueconorg-12029	114	3	is	be	AUX
fueconorg-12029	114	4	used	use	VERB
fueconorg-12029	114	5	to	to	PART
fueconorg-12029	114	6	assess	assess	VERB
fueconorg-12029	114	7	how	how	SCONJ
fueconorg-12029	114	8	well	well	ADV
fueconorg-12029	114	9	the	the	DET
fueconorg-12029	114	10	expenses	expense	NOUN
fueconorg-12029	114	11	are	be	AUX
fueconorg-12029	114	12	covered	cover	VERB
fueconorg-12029	114	13	by	by	ADP
fueconorg-12029	114	14	the	the	DET
fueconorg-12029	114	15	premiums	premium	NOUN
fueconorg-12029	114	16	.	.	PUNCT
fueconorg-12029	115	1	the	the	DET
fueconorg-12029	115	2	combined	combined	ADJ
fueconorg-12029	115	3	ratio	ratio	NOUN
fueconorg-12029	115	4	,	,	PUNCT
fueconorg-12029	115	5	which	which	PRON
fueconorg-12029	115	6	is	be	AUX
fueconorg-12029	115	7	the	the	DET
fueconorg-12029	115	8	sum	sum	NOUN
fueconorg-12029	115	9	of	of	ADP
fueconorg-12029	115	10	the	the	DET
fueconorg-12029	115	11	loss	loss	NOUN
fueconorg-12029	115	12	ratio	ratio	NOUN
fueconorg-12029	115	13	and	and	CCONJ
fueconorg-12029	115	14	the	the	DET
fueconorg-12029	115	15	expense	expense	NOUN
fueconorg-12029	115	16	ratio	ratio	NOUN
fueconorg-12029	115	17	,	,	PUNCT
fueconorg-12029	115	18	provides	provide	VERB
fueconorg-12029	115	19	a	a	DET
fueconorg-12029	115	20	rough	rough	ADJ
fueconorg-12029	115	21	estimate	estimate	NOUN
fueconorg-12029	115	22	of	of	ADP
fueconorg-12029	115	23	the	the	DET
fueconorg-12029	115	24	profitability	profitability	NOUN
fueconorg-12029	115	25	of	of	ADP
fueconorg-12029	115	26	the	the	DET
fueconorg-12029	115	27	insurance	insurance	NOUN
fueconorg-12029	115	28	business	business	NOUN
fueconorg-12029	115	29	.	.	PUNCT
fueconorg-12029	116	1	the	the	DET
fueconorg-12029	116	2	operating	operate	VERB
fueconorg-12029	116	3	ratio	ratio	NOUN
fueconorg-12029	116	4	is	be	AUX
fueconorg-12029	116	5	the	the	DET
fueconorg-12029	116	6	combined	combined	ADJ
fueconorg-12029	116	7	ratio	ratio	NOUN
fueconorg-12029	116	8	adjusted	adjust	VERB
fueconorg-12029	116	9	for	for	ADP
fueconorg-12029	116	10	investment	investment	NOUN
fueconorg-12029	116	11	returns	return	NOUN
fueconorg-12029	116	12	.	.	PUNCT
fueconorg-12029	117	1	this	this	DET
fueconorg-12029	117	2	ratio	ratio	NOUN
fueconorg-12029	117	3	allows	allow	VERB
fueconorg-12029	117	4	for	for	ADP
fueconorg-12029	117	5	an	an	DET
fueconorg-12029	117	6	assessment	assessment	NOUN
fueconorg-12029	117	7	of	of	ADP
fueconorg-12029	117	8	the	the	DET
fueconorg-12029	117	9	business	business	NOUN
fueconorg-12029	117	10	after	after	ADP
fueconorg-12029	117	11	accounting	account	VERB
fueconorg-12029	117	12	for	for	ADP
fueconorg-12029	117	13	allocated	allocate	VERB
fueconorg-12029	117	14	investment	investment	NOUN
fueconorg-12029	117	15	income	income	NOUN
fueconorg-12029	117	16	.	.	PUNCT
fueconorg-12029	118	1	some	some	DET
fueconorg-12029	118	2	methods	method	NOUN
fueconorg-12029	118	3	for	for	ADP
fueconorg-12029	118	4	calculating	calculate	VERB
fueconorg-12029	118	5	the	the	DET
fueconorg-12029	118	6	adequacy	adequacy	NOUN
fueconorg-12029	118	7	of	of	ADP
fueconorg-12029	118	8	premiums	premium	NOUN
fueconorg-12029	118	9	or	or	CCONJ
fueconorg-12029	118	10	their	their	PRON
fueconorg-12029	118	11	constitutive	constitutive	ADJ
fueconorg-12029	118	12	parts	part	NOUN
fueconorg-12029	118	13	use	use	VERB
fueconorg-12029	118	14	data	datum	NOUN
fueconorg-12029	118	15	on	on	ADP
fueconorg-12029	118	16	trend	trend	NOUN
fueconorg-12029	118	17	assessment	assessment	NOUN
fueconorg-12029	118	18	.	.	PUNCT
fueconorg-12029	119	1	therefore	therefore	ADV
fueconorg-12029	119	2	,	,	PUNCT
fueconorg-12029	119	3	insurers	insurer	NOUN
fueconorg-12029	119	4	should	should	AUX
fueconorg-12029	119	5	publish	publish	VERB
fueconorg-12029	119	6	not	not	PART
fueconorg-12029	119	7	only	only	ADV
fueconorg-12029	119	8	historical	historical	ADJ
fueconorg-12029	119	9	data	datum	NOUN
fueconorg-12029	119	10	on	on	ADP
fueconorg-12029	119	11	earned	earn	VERB
fueconorg-12029	119	12	premiums	premium	NOUN
fueconorg-12029	119	13	but	but	CCONJ
fueconorg-12029	119	14	also	also	ADV
fueconorg-12029	119	15	data	data	VERB
fueconorg-12029	119	16	on	on	ADP
fueconorg-12029	119	17	technical	technical	ADJ
fueconorg-12029	119	18	reserves	reserve	NOUN
fueconorg-12029	119	19	by	by	ADP
fueconorg-12029	119	20	types	type	NOUN
fueconorg-12029	119	21	of	of	ADP
fueconorg-12029	119	22	insurance	insurance	NOUN
fueconorg-12029	119	23	.	.	PUNCT
fueconorg-12029	120	1	one	one	NUM
fueconorg-12029	120	2	of	of	ADP
fueconorg-12029	120	3	the	the	DET
fueconorg-12029	120	4	methods	method	NOUN
fueconorg-12029	120	5	that	that	PRON
fueconorg-12029	120	6	incorporates	incorporate	VERB
fueconorg-12029	120	7	a	a	DET
fueconorg-12029	120	8	trend	trend	NOUN
fueconorg-12029	120	9	component	component	NOUN
fueconorg-12029	120	10	is	be	AUX
fueconorg-12029	120	11	the	the	DET
fueconorg-12029	120	12	hodrick	hodrick	ADJ
fueconorg-12029	120	13	–	–	PUNCT
fueconorg-12029	120	14	prescott	prescott	NOUN
fueconorg-12029	120	15	filter1	filter1	NOUN
fueconorg-12029	121	1	(	(	PUNCT
fueconorg-12029	121	2	mihelja	mihelja	PROPN
fueconorg-12029	121	3	ž.m	ž.m	PROPN
fueconorg-12029	121	4	.	.	PROPN
fueconorg-12029	121	5	2013	2013	NUM
fueconorg-12029	121	6	)	)	PUNCT
fueconorg-12029	121	7	.	.	PUNCT
fueconorg-12029	122	1	in	in	ADP
fueconorg-12029	122	2	this	this	DET
fueconorg-12029	122	3	sense	sense	NOUN
fueconorg-12029	122	4	,	,	PUNCT
fueconorg-12029	122	5	the	the	DET
fueconorg-12029	122	6	risk	risk	NOUN
fueconorg-12029	122	7	of	of	ADP
fueconorg-12029	122	8	a	a	DET
fueconorg-12029	122	9	harmful	harmful	ADJ
fueconorg-12029	122	10	event	event	NOUN
fueconorg-12029	122	11	can	can	AUX
fueconorg-12029	122	12	be	be	AUX
fueconorg-12029	122	13	calculated	calculate	VERB
fueconorg-12029	122	14	as	as	ADP
fueconorg-12029	122	15	the	the	DET
fueconorg-12029	122	16	ratio	ratio	NOUN
fueconorg-12029	122	17	of	of	ADP
fueconorg-12029	122	18	the	the	DET
fueconorg-12029	122	19	difference	difference	NOUN
fueconorg-12029	122	20	between	between	ADP
fueconorg-12029	122	21	the	the	DET
fueconorg-12029	122	22	frequency	frequency	NOUN
fueconorg-12029	122	23	of	of	ADP
fueconorg-12029	122	24	loss	loss	NOUN
fueconorg-12029	122	25	occurrence	occurrence	NOUN
fueconorg-12029	122	26	and	and	CCONJ
fueconorg-12029	122	27	loss	loss	NOUN
fueconorg-12029	122	28	trend	trend	NOUN
fueconorg-12029	122	29	.	.	PUNCT
fueconorg-12029	123	1	(	(	PUNCT
fueconorg-12029	123	2	2	2	X
fueconorg-12029	123	3	)	)	PUNCT
fueconorg-12029	123	4	the	the	DET
fueconorg-12029	123	5	risk	risk	NOUN
fueconorg-12029	123	6	of	of	ADP
fueconorg-12029	123	7	reserve	reserve	NOUN
fueconorg-12029	123	8	formation	formation	NOUN
fueconorg-12029	123	9	refers	refer	VERB
fueconorg-12029	123	10	to	to	ADP
fueconorg-12029	123	11	the	the	DET
fueconorg-12029	123	12	risk	risk	NOUN
fueconorg-12029	123	13	that	that	SCONJ
fueconorg-12029	123	14	the	the	DET
fueconorg-12029	123	15	total	total	ADJ
fueconorg-12029	123	16	amount	amount	NOUN
fueconorg-12029	123	17	of	of	ADP
fueconorg-12029	123	18	technical	technical	ADJ
fueconorg-12029	123	19	reserves	reserve	NOUN
fueconorg-12029	123	20	has	have	AUX
fueconorg-12029	123	21	been	be	AUX
fueconorg-12029	123	22	poorly	poorly	ADV
fueconorg-12029	123	23	estimated	estimate	VERB
fueconorg-12029	123	24	and	and	CCONJ
fueconorg-12029	123	25	,	,	PUNCT
fueconorg-12029	123	26	as	as	ADP
fueconorg-12029	123	27	such	such	ADJ
fueconorg-12029	123	28	,	,	PUNCT
fueconorg-12029	123	29	will	will	AUX
fueconorg-12029	123	30	not	not	PART
fueconorg-12029	123	31	be	be	AUX
fueconorg-12029	123	32	sufficient	sufficient	ADJ
fueconorg-12029	123	33	to	to	PART
fueconorg-12029	123	34	cover	cover	VERB
fueconorg-12029	123	35	claims	claim	NOUN
fueconorg-12029	123	36	.	.	PUNCT
fueconorg-12029	124	1	this	this	DET
fueconorg-12029	124	2	risk	risk	NOUN
fueconorg-12029	124	3	can	can	AUX
fueconorg-12029	124	4	be	be	AUX
fueconorg-12029	124	5	quantified	quantify	VERB
fueconorg-12029	124	6	using	use	VERB
fueconorg-12029	124	7	data	datum	NOUN
fueconorg-12029	124	8	on	on	ADP
fueconorg-12029	124	9	technical	technical	ADJ
fueconorg-12029	124	10	reserves	reserve	NOUN
fueconorg-12029	124	11	for	for	ADP
fueconorg-12029	124	12	non	non	ADJ
fueconorg-12029	124	13	-	-	ADJ
fueconorg-12029	124	14	life	life	ADJ
fueconorg-12029	124	15	insurance	insurance	NOUN
fueconorg-12029	124	16	and	and	CCONJ
fueconorg-12029	124	17	data	datum	NOUN
fueconorg-12029	124	18	on	on	ADP
fueconorg-12029	124	19	mathematical	mathematical	ADJ
fueconorg-12029	124	20	reserves	reserve	NOUN
fueconorg-12029	124	21	for	for	ADP
fueconorg-12029	124	22	life	life	NOUN
fueconorg-12029	124	23	insurance	insurance	NOUN
fueconorg-12029	124	24	.	.	PUNCT
fueconorg-12029	125	1	(	(	PUNCT
fueconorg-12029	125	2	3	3	X
fueconorg-12029	125	3	)	)	PUNCT
fueconorg-12029	125	4	according	accord	VERB
fueconorg-12029	125	5	to	to	ADP
fueconorg-12029	125	6	the	the	DET
fueconorg-12029	125	7	previous	previous	ADJ
fueconorg-12029	125	8	statements	statement	NOUN
fueconorg-12029	125	9	,	,	PUNCT
fueconorg-12029	125	10	the	the	DET
fueconorg-12029	125	11	risk	risk	NOUN
fueconorg-12029	125	12	of	of	ADP
fueconorg-12029	125	13	premium	premium	ADJ
fueconorg-12029	125	14	determination	determination	NOUN
fueconorg-12029	125	15	can	can	AUX
fueconorg-12029	125	16	be	be	AUX
fueconorg-12029	125	17	calculated	calculate	VERB
fueconorg-12029	125	18	as	as	ADP
fueconorg-12029	125	19	the	the	DET
fueconorg-12029	125	20	difference	difference	NOUN
fueconorg-12029	125	21	between	between	ADP
fueconorg-12029	125	22	the	the	DET
fueconorg-12029	125	23	combined	combine	VERB
fueconorg-12029	125	24	ratio	ratio	NOUN
fueconorg-12029	125	25	and	and	CCONJ
fueconorg-12029	125	26	the	the	DET
fueconorg-12029	125	27	trend	trend	NOUN
fueconorg-12029	125	28	component	component	NOUN
fueconorg-12029	125	29	,	,	PUNCT
fueconorg-12029	125	30	using	use	VERB
fueconorg-12029	125	31	formula	formula	NOUN
fueconorg-12029	125	32	3	3	NUM
fueconorg-12029	125	33	.	.	PUNCT
fueconorg-12029	126	1	the	the	DET
fueconorg-12029	126	2	risk	risk	NOUN
fueconorg-12029	126	3	of	of	ADP
fueconorg-12029	126	4	premium	premium	ADJ
fueconorg-12029	126	5	determination	determination	NOUN
fueconorg-12029	126	6	is	be	AUX
fueconorg-12029	126	7	present	present	ADJ
fueconorg-12029	126	8	at	at	ADP
fueconorg-12029	126	9	the	the	DET
fueconorg-12029	126	10	moment	moment	NOUN
fueconorg-12029	126	11	of	of	ADP
fueconorg-12029	126	12	issuing	issue	VERB
fueconorg-12029	126	13	the	the	DET
fueconorg-12029	126	14	policy	policy	NOUN
fueconorg-12029	126	15	,	,	PUNCT
fueconorg-12029	126	16	i.e.	i.e.	X
fueconorg-12029	126	17	,	,	PUNCT
fueconorg-12029	126	18	before	before	SCONJ
fueconorg-12029	126	19	the	the	DET
fueconorg-12029	126	20	insured	insure	VERB
fueconorg-12029	126	21	event	event	NOUN
fueconorg-12029	126	22	occurs	occur	VERB
fueconorg-12029	126	23	.	.	PUNCT
fueconorg-12029	127	1	it	it	PRON
fueconorg-12029	127	2	implies	imply	VERB
fueconorg-12029	127	3	that	that	SCONJ
fueconorg-12029	127	4	the	the	DET
fueconorg-12029	127	5	costs	cost	NOUN
fueconorg-12029	127	6	and	and	CCONJ
fueconorg-12029	127	7	claims	claim	NOUN
fueconorg-12029	127	8	that	that	PRON
fueconorg-12029	127	9	will	will	AUX
fueconorg-12029	127	10	arise	arise	VERB
fueconorg-12029	127	11	will	will	AUX
fueconorg-12029	127	12	be	be	AUX
fueconorg-12029	127	13	greater	great	ADJ
fueconorg-12029	127	14	than	than	ADP
fueconorg-12029	127	15	the	the	DET
fueconorg-12029	127	16	received	receive	VERB
fueconorg-12029	127	17	premium	premium	NOUN
fueconorg-12029	127	18	.	.	PUNCT
fueconorg-12029	128	1	(	(	PUNCT
fueconorg-12029	128	2	4	4	X
fueconorg-12029	128	3	)	)	PUNCT
fueconorg-12029	128	4	greater	great	ADJ
fueconorg-12029	128	5	values	value	NOUN
fueconorg-12029	128	6	of	of	ADP
fueconorg-12029	128	7	the	the	DET
fueconorg-12029	128	8	calculated	calculate	VERB
fueconorg-12029	128	9	indicators	indicator	NOUN
fueconorg-12029	128	10	imply	imply	VERB
fueconorg-12029	128	11	a	a	DET
fueconorg-12029	128	12	higher	high	ADJ
fueconorg-12029	128	13	risk	risk	NOUN
fueconorg-12029	128	14	of	of	ADP
fueconorg-12029	128	15	premium	premium	ADJ
fueconorg-12029	128	16	determination	determination	NOUN
fueconorg-12029	128	17	,	,	PUNCT
fueconorg-12029	128	18	risk	risk	NOUN
fueconorg-12029	128	19	of	of	ADP
fueconorg-12029	128	20	reserve	reserve	NOUN
fueconorg-12029	128	21	formation	formation	NOUN
fueconorg-12029	128	22	,	,	PUNCT
fueconorg-12029	128	23	and	and	CCONJ
fueconorg-12029	128	24	risk	risk	NOUN
fueconorg-12029	128	25	of	of	ADP
fueconorg-12029	128	26	a	a	DET
fueconorg-12029	128	27	harmful	harmful	ADJ
fueconorg-12029	128	28	event	event	NOUN
fueconorg-12029	128	29	occurring	occur	VERB
fueconorg-12029	128	30	.	.	PUNCT
fueconorg-12029	129	1	4	4	X
fueconorg-12029	129	2	.	.	X
fueconorg-12029	129	3	specificity	specificity	NOUN
fueconorg-12029	129	4	of	of	ADP
fueconorg-12029	129	5	the	the	DET
fueconorg-12029	129	6	interdependence	interdependence	NOUN
fueconorg-12029	129	7	between	between	ADP
fueconorg-12029	129	8	claims	claim	NOUN
fueconorg-12029	129	9	and	and	CCONJ
fueconorg-12029	129	10	premiums	premium	NOUN
fueconorg-12029	129	11	in	in	ADP
fueconorg-12029	129	12	liability	liability	NOUN
fueconorg-12029	129	13	car	car	NOUN
fueconorg-12029	129	14	insurance	insurance	NOUN
fueconorg-12029	129	15	modern	modern	ADJ
fueconorg-12029	129	16	society	society	NOUN
fueconorg-12029	129	17	makes	make	VERB
fueconorg-12029	129	18	great	great	ADJ
fueconorg-12029	129	19	efforts	effort	NOUN
fueconorg-12029	129	20	to	to	PART
fueconorg-12029	129	21	keep	keep	VERB
fueconorg-12029	129	22	compensation	compensation	NOUN
fueconorg-12029	129	23	for	for	ADP
fueconorg-12029	129	24	claims	claim	NOUN
fueconorg-12029	129	25	from	from	ADP
fueconorg-12029	129	26	traffic	traffic	NOUN
fueconorg-12029	129	27	accidents	accident	NOUN
fueconorg-12029	129	28	under	under	ADP
fueconorg-12029	129	29	control	control	NOUN
fueconorg-12029	129	30	.	.	PUNCT
fueconorg-12029	130	1	therefore	therefore	ADV
fueconorg-12029	130	2	,	,	PUNCT
fueconorg-12029	130	3	it	it	PRON
fueconorg-12029	130	4	is	be	AUX
fueconorg-12029	130	5	the	the	DET
fueconorg-12029	130	6	obligation	obligation	NOUN
fueconorg-12029	130	7	of	of	ADP
fueconorg-12029	130	8	the	the	DET
fueconorg-12029	130	9	state	state	NOUN
fueconorg-12029	130	10	to	to	PART
fueconorg-12029	130	11	bring	bring	VERB
fueconorg-12029	130	12	the	the	DET
fueconorg-12029	130	13	risks	risk	NOUN
fueconorg-12029	130	14	associated	associate	VERB
fueconorg-12029	130	15	with	with	ADP
fueconorg-12029	130	16	traffic	traffic	NOUN
fueconorg-12029	130	17	flow	flow	NOUN
fueconorg-12029	130	18	into	into	ADP
fueconorg-12029	130	19	socially	socially	ADV
fueconorg-12029	130	20	acceptable	acceptable	ADJ
fueconorg-12029	130	21	limits	limit	NOUN
fueconorg-12029	130	22	.	.	PUNCT
fueconorg-12029	131	1	in	in	ADP
fueconorg-12029	131	2	this	this	DET
fueconorg-12029	131	3	sense	sense	NOUN
fueconorg-12029	131	4	,	,	PUNCT
fueconorg-12029	131	5	by	by	ADP
fueconorg-12029	131	6	mandating	mandate	VERB
fueconorg-12029	131	7	1	1	NUM
fueconorg-12029	131	8	the	the	DET
fueconorg-12029	131	9	hodrick	hodrick	ADJ
fueconorg-12029	131	10	-	-	PUNCT
fueconorg-12029	131	11	prescott	prescott	NOUN
fueconorg-12029	131	12	filter	filter	NOUN
fueconorg-12029	131	13	is	be	AUX
fueconorg-12029	131	14	a	a	DET
fueconorg-12029	131	15	smoothing	smoothing	NOUN
fueconorg-12029	131	16	method	method	NOUN
fueconorg-12029	131	17	used	use	VERB
fueconorg-12029	131	18	in	in	ADP
fueconorg-12029	131	19	economics	economic	NOUN
fueconorg-12029	131	20	to	to	PART
fueconorg-12029	131	21	obtain	obtain	VERB
fueconorg-12029	131	22	an	an	DET
fueconorg-12029	131	23	estimate	estimate	NOUN
fueconorg-12029	131	24	of	of	ADP
fueconorg-12029	131	25	the	the	DET
fueconorg-12029	131	26	long	long	ADJ
fueconorg-12029	131	27	-	-	PUNCT
fueconorg-12029	131	28	term	term	NOUN
fueconorg-12029	131	29	trend	trend	NOUN
fueconorg-12029	131	30	component	component	NOUN
fueconorg-12029	131	31	of	of	ADP
fueconorg-12029	131	32	a	a	DET
fueconorg-12029	131	33	time	time	NOUN
fueconorg-12029	131	34	series	series	NOUN
fueconorg-12029	131	35	.	.	PUNCT
fueconorg-12029	132	1	specifically	specifically	ADV
fueconorg-12029	132	2	,	,	PUNCT
fueconorg-12029	132	3	to	to	PART
fueconorg-12029	132	4	estimate	estimate	VERB
fueconorg-12029	132	5	the	the	DET
fueconorg-12029	132	6	hp	hp	PROPN
fueconorg-12029	132	7	filter	filter	NOUN
fueconorg-12029	132	8	,	,	PUNCT
fueconorg-12029	132	9	it	it	PRON
fueconorg-12029	132	10	is	be	AUX
fueconorg-12029	132	11	necessary	necessary	ADJ
fueconorg-12029	132	12	to	to	PART
fueconorg-12029	132	13	select	select	VERB
fueconorg-12029	132	14	a	a	DET
fueconorg-12029	132	15	smoothing	smooth	VERB
fueconorg-12029	132	16	parameter	parameter	NOUN
fueconorg-12029	132	17	value	value	NOUN
fueconorg-12029	132	18	of	of	ADP
fueconorg-12029	132	19	100	100	NUM
fueconorg-12029	132	20	when	when	SCONJ
fueconorg-12029	132	21	using	use	VERB
fueconorg-12029	132	22	annual	annual	ADJ
fueconorg-12029	132	23	data	datum	NOUN
fueconorg-12029	132	24	,	,	PUNCT
fueconorg-12029	132	25	1600	1600	NUM
fueconorg-12029	132	26	for	for	ADP
fueconorg-12029	132	27	quarterly	quarterly	ADJ
fueconorg-12029	132	28	data	datum	NOUN
fueconorg-12029	132	29	,	,	PUNCT
fueconorg-12029	132	30	and	and	CCONJ
fueconorg-12029	132	31	14400	14400	NUM
fueconorg-12029	132	32	for	for	ADP
fueconorg-12029	132	33	monthly	monthly	ADJ
fueconorg-12029	132	34	data	datum	NOUN
fueconorg-12029	132	35	.	.	PUNCT
fueconorg-12029	133	1	risk	risk	NOUN
fueconorg-12029	133	2	factors	factor	NOUN
fueconorg-12029	133	3	for	for	ADP
fueconorg-12029	133	4	the	the	DET
fueconorg-12029	133	5	occurrence	occurrence	NOUN
fueconorg-12029	133	6	of	of	ADP
fueconorg-12029	133	7	claims	claim	NOUN
fueconorg-12029	133	8	and	and	CCONJ
fueconorg-12029	133	9	the	the	DET
fueconorg-12029	133	10	adequacy	adequacy	NOUN
fueconorg-12029	133	11	of	of	ADP
fueconorg-12029	133	12	non	non	ADJ
fueconorg-12029	133	13	-	-	ADJ
fueconorg-12029	133	14	life	life	ADJ
fueconorg-12029	133	15	insurance	insurance	NOUN
fueconorg-12029	133	16	premiums	premium	NOUN
fueconorg-12029	133	17	193	193	NUM
fueconorg-12029	133	18	compulsory	compulsory	ADJ
fueconorg-12029	133	19	liability	liability	NOUN
fueconorg-12029	133	20	car	car	NOUN
fueconorg-12029	133	21	insurance	insurance	NOUN
fueconorg-12029	133	22	(	(	PUNCT
fueconorg-12029	133	23	ao	ao	PROPN
fueconorg-12029	133	24	)	)	PUNCT
fueconorg-12029	133	25	,	,	PUNCT
fueconorg-12029	133	26	states	state	NOUN
fueconorg-12029	133	27	prescribe	prescribe	VERB
fueconorg-12029	133	28	the	the	DET
fueconorg-12029	133	29	conditions	condition	NOUN
fueconorg-12029	133	30	under	under	ADP
fueconorg-12029	133	31	which	which	PRON
fueconorg-12029	133	32	this	this	DET
fueconorg-12029	133	33	insurance	insurance	NOUN
fueconorg-12029	133	34	is	be	AUX
fueconorg-12029	133	35	implemented	implement	VERB
fueconorg-12029	133	36	.	.	PUNCT
fueconorg-12029	134	1	thus	thus	ADV
fueconorg-12029	134	2	,	,	PUNCT
fueconorg-12029	134	3	in	in	ADP
fueconorg-12029	134	4	some	some	DET
fueconorg-12029	134	5	countries	country	NOUN
fueconorg-12029	134	6	,	,	PUNCT
fueconorg-12029	134	7	there	there	PRON
fueconorg-12029	134	8	is	be	VERB
fueconorg-12029	134	9	a	a	DET
fueconorg-12029	134	10	dominant	dominant	ADJ
fueconorg-12029	134	11	premium	premium	NOUN
fueconorg-12029	134	12	system	system	NOUN
fueconorg-12029	134	13	that	that	PRON
fueconorg-12029	134	14	all	all	DET
fueconorg-12029	134	15	insurance	insurance	NOUN
fueconorg-12029	134	16	companies	company	NOUN
fueconorg-12029	134	17	must	must	AUX
fueconorg-12029	134	18	comply	comply	VERB
fueconorg-12029	134	19	with	with	ADP
fueconorg-12029	134	20	.	.	PUNCT
fueconorg-12029	135	1	however	however	ADV
fueconorg-12029	135	2	,	,	PUNCT
fueconorg-12029	135	3	their	their	PRON
fueconorg-12029	135	4	experiences	experience	NOUN
fueconorg-12029	135	5	show	show	VERB
fueconorg-12029	135	6	that	that	SCONJ
fueconorg-12029	135	7	the	the	DET
fueconorg-12029	135	8	model	model	NOUN
fueconorg-12029	135	9	of	of	ADP
fueconorg-12029	135	10	administrative	administrative	ADJ
fueconorg-12029	135	11	supervision	supervision	NOUN
fueconorg-12029	135	12	over	over	ADP
fueconorg-12029	135	13	compulsory	compulsory	ADJ
fueconorg-12029	135	14	liability	liability	NOUN
fueconorg-12029	135	15	car	car	NOUN
fueconorg-12029	135	16	insurance	insurance	NOUN
fueconorg-12029	135	17	is	be	AUX
fueconorg-12029	135	18	not	not	PART
fueconorg-12029	135	19	sustainable	sustainable	ADJ
fueconorg-12029	135	20	in	in	ADP
fueconorg-12029	135	21	the	the	DET
fueconorg-12029	135	22	long	long	ADJ
fueconorg-12029	135	23	term	term	NOUN
fueconorg-12029	135	24	due	due	ADP
fueconorg-12029	135	25	to	to	ADP
fueconorg-12029	135	26	inefficiencies	inefficiency	NOUN
fueconorg-12029	135	27	.	.	PUNCT
fueconorg-12029	136	1	some	some	DET
fueconorg-12029	136	2	reasons	reason	NOUN
fueconorg-12029	136	3	for	for	ADP
fueconorg-12029	136	4	these	these	DET
fueconorg-12029	136	5	inefficiencies	inefficiency	NOUN
fueconorg-12029	136	6	include	include	VERB
fueconorg-12029	136	7	price	price	NOUN
fueconorg-12029	136	8	as	as	ADP
fueconorg-12029	136	9	a	a	DET
fueconorg-12029	136	10	component	component	NOUN
fueconorg-12029	136	11	of	of	ADP
fueconorg-12029	136	12	social	social	ADJ
fueconorg-12029	136	13	policy	policy	NOUN
fueconorg-12029	136	14	,	,	PUNCT
fueconorg-12029	136	15	excessive	excessive	ADJ
fueconorg-12029	136	16	administration	administration	NOUN
fueconorg-12029	136	17	,	,	PUNCT
fueconorg-12029	136	18	a	a	DET
fueconorg-12029	136	19	narrowed	narrow	VERB
fueconorg-12029	136	20	space	space	NOUN
fueconorg-12029	136	21	for	for	ADP
fueconorg-12029	136	22	competition	competition	NOUN
fueconorg-12029	136	23	among	among	ADP
fueconorg-12029	136	24	insurers	insurer	NOUN
fueconorg-12029	136	25	,	,	PUNCT
fueconorg-12029	136	26	etc	etc	X
fueconorg-12029	136	27	.	.	X
fueconorg-12029	137	1	the	the	DET
fueconorg-12029	137	2	experiences	experience	NOUN
fueconorg-12029	137	3	of	of	ADP
fueconorg-12029	137	4	countries	country	NOUN
fueconorg-12029	137	5	that	that	PRON
fueconorg-12029	137	6	have	have	AUX
fueconorg-12029	137	7	introduced	introduce	VERB
fueconorg-12029	137	8	free	free	ADJ
fueconorg-12029	137	9	tariff	tariff	NOUN
fueconorg-12029	137	10	formation	formation	NOUN
fueconorg-12029	137	11	for	for	ADP
fueconorg-12029	137	12	compulsory	compulsory	ADJ
fueconorg-12029	137	13	liability	liability	NOUN
fueconorg-12029	137	14	car	car	NOUN
fueconorg-12029	137	15	insurance	insurance	NOUN
fueconorg-12029	137	16	show	show	VERB
fueconorg-12029	137	17	that	that	SCONJ
fueconorg-12029	137	18	allowing	allow	VERB
fueconorg-12029	137	19	insurers	insurer	NOUN
fueconorg-12029	137	20	to	to	PART
fueconorg-12029	137	21	freely	freely	ADV
fueconorg-12029	137	22	determine	determine	VERB
fueconorg-12029	137	23	premiums	premium	NOUN
fueconorg-12029	137	24	,	,	PUNCT
fueconorg-12029	137	25	by	by	ADP
fueconorg-12029	137	26	itself	itself	PRON
fueconorg-12029	137	27	,	,	PUNCT
fueconorg-12029	137	28	without	without	ADP
fueconorg-12029	137	29	adequate	adequate	ADJ
fueconorg-12029	137	30	risk	risk	NOUN
fueconorg-12029	137	31	management	management	NOUN
fueconorg-12029	137	32	,	,	PUNCT
fueconorg-12029	137	33	sufficient	sufficient	ADJ
fueconorg-12029	137	34	premiums	premium	NOUN
fueconorg-12029	137	35	and	and	CCONJ
fueconorg-12029	137	36	reserves	reserve	NOUN
fueconorg-12029	137	37	for	for	ADP
fueconorg-12029	137	38	compensation	compensation	NOUN
fueconorg-12029	137	39	for	for	ADP
fueconorg-12029	137	40	claims	claim	NOUN
fueconorg-12029	137	41	,	,	PUNCT
fueconorg-12029	137	42	and	and	CCONJ
fueconorg-12029	137	43	without	without	ADP
fueconorg-12029	137	44	permanent	permanent	ADJ
fueconorg-12029	137	45	oversight	oversight	NOUN
fueconorg-12029	137	46	by	by	ADP
fueconorg-12029	137	47	relevant	relevant	ADJ
fueconorg-12029	137	48	institutions	institution	NOUN
fueconorg-12029	137	49	,	,	PUNCT
fueconorg-12029	137	50	does	do	AUX
fueconorg-12029	137	51	not	not	PART
fueconorg-12029	137	52	lead	lead	VERB
fueconorg-12029	137	53	to	to	ADP
fueconorg-12029	137	54	improvements	improvement	NOUN
fueconorg-12029	137	55	in	in	ADP
fueconorg-12029	137	56	the	the	DET
fueconorg-12029	137	57	compulsory	compulsory	ADJ
fueconorg-12029	137	58	liability	liability	NOUN
fueconorg-12029	137	59	car	car	NOUN
fueconorg-12029	137	60	insurance	insurance	NOUN
fueconorg-12029	137	61	system	system	NOUN
fueconorg-12029	137	62	or	or	CCONJ
fueconorg-12029	137	63	better	well	ADJ
fueconorg-12029	137	64	protection	protection	NOUN
fueconorg-12029	137	65	for	for	ADP
fueconorg-12029	137	66	both	both	DET
fueconorg-12029	137	67	policyholders	policyholder	NOUN
fueconorg-12029	137	68	and	and	CCONJ
fueconorg-12029	137	69	insurers	insurer	NOUN
fueconorg-12029	137	70	.	.	PUNCT
fueconorg-12029	138	1	by	by	ADP
fueconorg-12029	138	2	applying	apply	VERB
fueconorg-12029	138	3	statistical	statistical	ADJ
fueconorg-12029	138	4	functions	function	NOUN
fueconorg-12029	138	5	in	in	ADP
fueconorg-12029	138	6	excel	excel	NOUN
fueconorg-12029	138	7	to	to	ADP
fueconorg-12029	138	8	the	the	DET
fueconorg-12029	138	9	annual	annual	ADJ
fueconorg-12029	138	10	data	datum	NOUN
fueconorg-12029	138	11	from	from	ADP
fueconorg-12029	138	12	the	the	DET
fueconorg-12029	138	13	national	national	PROPN
fueconorg-12029	138	14	bank	bank	PROPN
fueconorg-12029	138	15	of	of	ADP
fueconorg-12029	138	16	serbia	serbia	PROPN
fueconorg-12029	138	17	regarding	regard	VERB
fueconorg-12029	138	18	the	the	DET
fueconorg-12029	138	19	operations	operation	NOUN
fueconorg-12029	138	20	of	of	ADP
fueconorg-12029	138	21	insurance	insurance	NOUN
fueconorg-12029	138	22	companies	company	NOUN
fueconorg-12029	138	23	,	,	PUNCT
fueconorg-12029	138	24	it	it	PRON
fueconorg-12029	138	25	was	be	AUX
fueconorg-12029	138	26	determined	determine	VERB
fueconorg-12029	138	27	that	that	SCONJ
fueconorg-12029	138	28	the	the	DET
fueconorg-12029	138	29	share	share	NOUN
fueconorg-12029	138	30	of	of	ADP
fueconorg-12029	138	31	premiums	premium	NOUN
fueconorg-12029	138	32	from	from	ADP
fueconorg-12029	138	33	liability	liability	NOUN
fueconorg-12029	138	34	car	car	NOUN
fueconorg-12029	138	35	insurance	insurance	NOUN
fueconorg-12029	138	36	in	in	ADP
fueconorg-12029	138	37	the	the	DET
fueconorg-12029	138	38	republic	republic	NOUN
fueconorg-12029	138	39	of	of	ADP
fueconorg-12029	138	40	serbia	serbia	PROPN
fueconorg-12029	138	41	accounted	account	VERB
fueconorg-12029	138	42	for	for	ADP
fueconorg-12029	138	43	an	an	DET
fueconorg-12029	138	44	average	average	NOUN
fueconorg-12029	138	45	of	of	ADP
fueconorg-12029	138	46	32.50	32.50	NUM
fueconorg-12029	138	47	%	%	NOUN
fueconorg-12029	138	48	of	of	ADP
fueconorg-12029	138	49	total	total	ADJ
fueconorg-12029	138	50	insurance	insurance	NOUN
fueconorg-12029	138	51	from	from	ADP
fueconorg-12029	138	52	2005	2005	NUM
fueconorg-12029	138	53	to	to	ADP
fueconorg-12029	138	54	2022	2022	NUM
fueconorg-12029	138	55	,	,	PUNCT
fueconorg-12029	138	56	with	with	ADP
fueconorg-12029	138	57	a	a	DET
fueconorg-12029	138	58	share	share	NOUN
fueconorg-12029	138	59	of	of	ADP
fueconorg-12029	138	60	40.43	40.43	NUM
fueconorg-12029	138	61	%	%	NOUN
fueconorg-12029	138	62	in	in	ADP
fueconorg-12029	138	63	nonlife	nonlife	NOUN
fueconorg-12029	138	64	insurance	insurance	NOUN
fueconorg-12029	138	65	—	—	PUNCT
fueconorg-12029	138	66	making	make	VERB
fueconorg-12029	138	67	it	it	PRON
fueconorg-12029	138	68	the	the	DET
fueconorg-12029	138	69	largest	large	ADJ
fueconorg-12029	138	70	individual	individual	ADJ
fueconorg-12029	138	71	share	share	NOUN
fueconorg-12029	138	72	.	.	PUNCT
fueconorg-12029	139	1	additionally	additionally	ADV
fueconorg-12029	139	2	,	,	PUNCT
fueconorg-12029	139	3	96.99	96.99	NUM
fueconorg-12029	139	4	%	%	NOUN
fueconorg-12029	139	5	of	of	ADP
fueconorg-12029	139	6	the	the	DET
fueconorg-12029	139	7	risks	risk	NOUN
fueconorg-12029	139	8	from	from	ADP
fueconorg-12029	139	9	liability	liability	NOUN
fueconorg-12029	139	10	car	car	NOUN
fueconorg-12029	139	11	insurance	insurance	NOUN
fueconorg-12029	139	12	were	be	AUX
fueconorg-12029	139	13	retained	retain	VERB
fueconorg-12029	139	14	by	by	ADP
fueconorg-12029	139	15	insurance	insurance	NOUN
fueconorg-12029	139	16	companies	company	NOUN
fueconorg-12029	139	17	within	within	ADP
fueconorg-12029	139	18	their	their	PRON
fueconorg-12029	139	19	own	own	ADJ
fueconorg-12029	139	20	reserves	reserve	NOUN
fueconorg-12029	139	21	.	.	PUNCT
fueconorg-12029	140	1	the	the	DET
fueconorg-12029	140	2	correlation	correlation	NOUN
fueconorg-12029	140	3	between	between	ADP
fueconorg-12029	140	4	premiums	premium	NOUN
fueconorg-12029	140	5	and	and	CCONJ
fueconorg-12029	140	6	the	the	DET
fueconorg-12029	140	7	value	value	NOUN
fueconorg-12029	140	8	of	of	ADP
fueconorg-12029	140	9	claims	claim	NOUN
fueconorg-12029	140	10	during	during	ADP
fueconorg-12029	140	11	the	the	DET
fueconorg-12029	140	12	same	same	ADJ
fueconorg-12029	140	13	period	period	NOUN
fueconorg-12029	140	14	was	be	AUX
fueconorg-12029	140	15	extremely	extremely	ADV
fueconorg-12029	140	16	high	high	ADJ
fueconorg-12029	140	17	at	at	ADP
fueconorg-12029	140	18	0.9095	0.9095	NUM
fueconorg-12029	140	19	,	,	PUNCT
fueconorg-12029	140	20	between	between	ADP
fueconorg-12029	140	21	premiums	premium	NOUN
fueconorg-12029	140	22	and	and	CCONJ
fueconorg-12029	140	23	the	the	DET
fueconorg-12029	140	24	value	value	NOUN
fueconorg-12029	140	25	of	of	ADP
fueconorg-12029	140	26	technical	technical	ADJ
fueconorg-12029	140	27	reserves	reserve	NOUN
fueconorg-12029	140	28	at	at	ADP
fueconorg-12029	140	29	0.9646	0.9646	NUM
fueconorg-12029	140	30	,	,	PUNCT
fueconorg-12029	140	31	between	between	ADP
fueconorg-12029	140	32	technical	technical	ADJ
fueconorg-12029	140	33	reserves	reserve	NOUN
fueconorg-12029	140	34	and	and	CCONJ
fueconorg-12029	140	35	the	the	DET
fueconorg-12029	140	36	value	value	NOUN
fueconorg-12029	140	37	of	of	ADP
fueconorg-12029	140	38	settled	settle	VERB
fueconorg-12029	140	39	claims	claim	NOUN
fueconorg-12029	140	40	at	at	ADP
fueconorg-12029	140	41	0.9197	0.9197	NUM
fueconorg-12029	140	42	,	,	PUNCT
fueconorg-12029	140	43	and	and	CCONJ
fueconorg-12029	140	44	between	between	ADP
fueconorg-12029	140	45	the	the	DET
fueconorg-12029	140	46	total	total	ADJ
fueconorg-12029	140	47	number	number	NOUN
fueconorg-12029	140	48	of	of	ADP
fueconorg-12029	140	49	claims	claim	NOUN
fueconorg-12029	140	50	and	and	CCONJ
fueconorg-12029	140	51	the	the	DET
fueconorg-12029	140	52	number	number	NOUN
fueconorg-12029	140	53	of	of	ADP
fueconorg-12029	140	54	policies	policy	NOUN
fueconorg-12029	140	55	at	at	ADP
fueconorg-12029	140	56	0.8723	0.8723	NUM
fueconorg-12029	140	57	.	.	PUNCT
fueconorg-12029	141	1	the	the	DET
fueconorg-12029	141	2	centralized	centralized	ADJ
fueconorg-12029	141	3	system	system	NOUN
fueconorg-12029	141	4	of	of	ADP
fueconorg-12029	141	5	organizing	organize	VERB
fueconorg-12029	141	6	liability	liability	NOUN
fueconorg-12029	141	7	car	car	NOUN
fueconorg-12029	141	8	insurance	insurance	NOUN
fueconorg-12029	141	9	,	,	PUNCT
fueconorg-12029	141	10	combined	combine	VERB
fueconorg-12029	141	11	with	with	ADP
fueconorg-12029	141	12	the	the	DET
fueconorg-12029	141	13	significant	significant	ADJ
fueconorg-12029	141	14	relative	relative	ADJ
fueconorg-12029	141	15	share	share	NOUN
fueconorg-12029	141	16	of	of	ADP
fueconorg-12029	141	17	this	this	DET
fueconorg-12029	141	18	insurance	insurance	NOUN
fueconorg-12029	141	19	in	in	ADP
fueconorg-12029	141	20	the	the	DET
fueconorg-12029	141	21	overall	overall	ADJ
fueconorg-12029	141	22	non	non	ADJ
fueconorg-12029	141	23	-	-	ADJ
fueconorg-12029	141	24	life	life	ADJ
fueconorg-12029	141	25	insurance	insurance	NOUN
fueconorg-12029	141	26	portfolio	portfolio	NOUN
fueconorg-12029	141	27	,	,	PUNCT
fueconorg-12029	141	28	raises	raise	VERB
fueconorg-12029	141	29	the	the	DET
fueconorg-12029	141	30	question	question	NOUN
fueconorg-12029	141	31	of	of	ADP
fueconorg-12029	141	32	the	the	DET
fueconorg-12029	141	33	adequacy	adequacy	NOUN
fueconorg-12029	141	34	of	of	ADP
fueconorg-12029	141	35	premium	premium	ADJ
fueconorg-12029	141	36	assessment	assessment	NOUN
fueconorg-12029	141	37	per	per	ADP
fueconorg-12029	141	38	liability	liability	NOUN
fueconorg-12029	141	39	car	car	NOUN
fueconorg-12029	141	40	insurance	insurance	NOUN
fueconorg-12029	141	41	policy	policy	NOUN
fueconorg-12029	141	42	and	and	CCONJ
fueconorg-12029	141	43	its	its	PRON
fueconorg-12029	141	44	implications	implication	NOUN
fueconorg-12029	141	45	for	for	ADP
fueconorg-12029	141	46	the	the	DET
fueconorg-12029	141	47	overall	overall	ADJ
fueconorg-12029	141	48	non	non	ADJ
fueconorg-12029	141	49	-	-	ADJ
fueconorg-12029	141	50	life	life	ADJ
fueconorg-12029	141	51	insurance	insurance	NOUN
fueconorg-12029	141	52	market	market	NOUN
fueconorg-12029	141	53	in	in	ADP
fueconorg-12029	141	54	the	the	DET
fueconorg-12029	141	55	republic	republic	NOUN
fueconorg-12029	141	56	of	of	ADP
fueconorg-12029	141	57	serbia	serbia	PROPN
fueconorg-12029	141	58	.	.	PUNCT
fueconorg-12029	142	1	according	accord	VERB
fueconorg-12029	142	2	to	to	ADP
fueconorg-12029	142	3	the	the	DET
fueconorg-12029	142	4	previously	previously	ADV
fueconorg-12029	142	5	mentioned	mention	VERB
fueconorg-12029	142	6	data	datum	NOUN
fueconorg-12029	142	7	,	,	PUNCT
fueconorg-12029	142	8	the	the	DET
fueconorg-12029	142	9	average	average	ADJ
fueconorg-12029	142	10	premium	premium	NOUN
fueconorg-12029	142	11	during	during	ADP
fueconorg-12029	142	12	the	the	DET
fueconorg-12029	142	13	period	period	NOUN
fueconorg-12029	142	14	from	from	ADP
fueconorg-12029	142	15	2005	2005	NUM
fueconorg-12029	142	16	to	to	ADP
fueconorg-12029	142	17	2022	2022	NUM
fueconorg-12029	142	18	was	be	AUX
fueconorg-12029	142	19	10,098	10,098	NUM
fueconorg-12029	142	20	dinars	dinar	NOUN
fueconorg-12029	142	21	,	,	PUNCT
fueconorg-12029	142	22	while	while	SCONJ
fueconorg-12029	142	23	the	the	DET
fueconorg-12029	142	24	average	average	ADJ
fueconorg-12029	142	25	claim	claim	NOUN
fueconorg-12029	142	26	was	be	AUX
fueconorg-12029	142	27	137,035	137,035	NUM
fueconorg-12029	142	28	dinars	dinar	NOUN
fueconorg-12029	142	29	.	.	PUNCT
fueconorg-12029	143	1	for	for	SCONJ
fueconorg-12029	143	2	one	one	NUM
fueconorg-12029	143	3	claim	claim	NOUN
fueconorg-12029	143	4	to	to	PART
fueconorg-12029	143	5	be	be	AUX
fueconorg-12029	143	6	settled	settle	VERB
fueconorg-12029	143	7	,	,	PUNCT
fueconorg-12029	143	8	it	it	PRON
fueconorg-12029	143	9	was	be	AUX
fueconorg-12029	143	10	necessary	necessary	ADJ
fueconorg-12029	143	11	for	for	SCONJ
fueconorg-12029	143	12	28	28	NUM
fueconorg-12029	143	13	policyholders	policyholder	NOUN
fueconorg-12029	143	14	to	to	PART
fueconorg-12029	143	15	have	have	VERB
fueconorg-12029	143	16	no	no	DET
fueconorg-12029	143	17	claims	claim	NOUN
fueconorg-12029	143	18	at	at	ADP
fueconorg-12029	143	19	all.2	all.2	PRON
fueconorg-12029	143	20	based	base	VERB
fueconorg-12029	143	21	on	on	ADP
fueconorg-12029	143	22	the	the	DET
fueconorg-12029	143	23	logic	logic	NOUN
fueconorg-12029	143	24	of	of	ADP
fueconorg-12029	143	25	further	further	ADJ
fueconorg-12029	143	26	research	research	NOUN
fueconorg-12029	143	27	,	,	PUNCT
fueconorg-12029	143	28	the	the	DET
fueconorg-12029	143	29	following	following	ADJ
fueconorg-12029	143	30	quarterly	quarterly	ADJ
fueconorg-12029	143	31	time	time	NOUN
fueconorg-12029	143	32	series	series	NOUN
fueconorg-12029	143	33	have	have	AUX
fueconorg-12029	143	34	been	be	AUX
fueconorg-12029	143	35	defined	define	VERB
fueconorg-12029	143	36	:	:	PUNCT
fueconorg-12029	143	37	gross	gross	ADJ
fueconorg-12029	143	38	premiums	premium	NOUN
fueconorg-12029	143	39	for	for	ADP
fueconorg-12029	143	40	liability	liability	NOUN
fueconorg-12029	143	41	car	car	NOUN
fueconorg-12029	143	42	insurance	insurance	NOUN
fueconorg-12029	143	43	,	,	PUNCT
fueconorg-12029	143	44	the	the	DET
fueconorg-12029	143	45	risk	risk	NOUN
fueconorg-12029	143	46	of	of	ADP
fueconorg-12029	143	47	a	a	DET
fueconorg-12029	143	48	harmful	harmful	ADJ
fueconorg-12029	143	49	event	event	NOUN
fueconorg-12029	143	50	occurring	occur	VERB
fueconorg-12029	143	51	(	(	PUNCT
fueconorg-12029	143	52	r_dog	r_dog	NOUN
fueconorg-12029	143	53	)	)	PUNCT
fueconorg-12029	143	54	,	,	PUNCT
fueconorg-12029	143	55	the	the	DET
fueconorg-12029	143	56	risk	risk	NOUN
fueconorg-12029	143	57	of	of	ADP
fueconorg-12029	143	58	obtaining	obtain	VERB
fueconorg-12029	143	59	insurance	insurance	NOUN
fueconorg-12029	143	60	(	(	PUNCT
fueconorg-12029	143	61	r_prib	r_prib	PROPN
fueconorg-12029	143	62	)	)	PUNCT
fueconorg-12029	143	63	,	,	PUNCT
fueconorg-12029	143	64	the	the	DET
fueconorg-12029	143	65	risk	risk	NOUN
fueconorg-12029	143	66	of	of	ADP
fueconorg-12029	143	67	forming	form	VERB
fueconorg-12029	143	68	technical	technical	ADJ
fueconorg-12029	143	69	reserves	reserve	NOUN
fueconorg-12029	143	70	(	(	PUNCT
fueconorg-12029	143	71	r_rez	r_rez	NOUN
fueconorg-12029	143	72	)	)	PUNCT
fueconorg-12029	143	73	,	,	PUNCT
fueconorg-12029	143	74	and	and	CCONJ
fueconorg-12029	143	75	organizational	organizational	ADJ
fueconorg-12029	143	76	risk	risk	NOUN
fueconorg-12029	143	77	(	(	PUNCT
fueconorg-12029	143	78	r_org	r_org	NOUN
fueconorg-12029	143	79	)	)	PUNCT
fueconorg-12029	143	80	.	.	PUNCT
fueconorg-12029	144	1	to	to	PART
fueconorg-12029	144	2	enable	enable	VERB
fueconorg-12029	144	3	the	the	DET
fueconorg-12029	144	4	use	use	NOUN
fueconorg-12029	144	5	of	of	ADP
fueconorg-12029	144	6	data	datum	NOUN
fueconorg-12029	144	7	from	from	ADP
fueconorg-12029	144	8	these	these	DET
fueconorg-12029	144	9	time	time	NOUN
fueconorg-12029	144	10	series	series	NOUN
fueconorg-12029	144	11	in	in	ADP
fueconorg-12029	144	12	analyses	analysis	NOUN
fueconorg-12029	144	13	,	,	PUNCT
fueconorg-12029	144	14	the	the	DET
fueconorg-12029	144	15	data	datum	NOUN
fueconorg-12029	144	16	have	have	AUX
fueconorg-12029	144	17	been	be	AUX
fueconorg-12029	144	18	transformed	transform	VERB
fueconorg-12029	144	19	in	in	ADP
fueconorg-12029	144	20	two	two	NUM
fueconorg-12029	144	21	ways	way	NOUN
fueconorg-12029	144	22	.	.	PUNCT
fueconorg-12029	145	1	▪	▪	NOUN
fueconorg-12029	145	2	the	the	DET
fueconorg-12029	145	3	time	time	NOUN
fueconorg-12029	145	4	series	series	PROPN
fueconorg-12029	145	5	data	data	PROPN
fueconorg-12029	145	6	for	for	ADP
fueconorg-12029	145	7	the	the	DET
fueconorg-12029	145	8	gross	gross	ADJ
fueconorg-12029	145	9	premiums	premium	NOUN
fueconorg-12029	145	10	of	of	ADP
fueconorg-12029	145	11	liability	liability	NOUN
fueconorg-12029	145	12	car	car	NOUN
fueconorg-12029	145	13	insurance	insurance	NOUN
fueconorg-12029	145	14	were	be	AUX
fueconorg-12029	145	15	transformed	transform	VERB
fueconorg-12029	145	16	using	use	VERB
fueconorg-12029	145	17	the	the	DET
fueconorg-12029	145	18	logarithmic	logarithmic	ADJ
fueconorg-12029	145	19	function	function	NOUN
fueconorg-12029	145	20	(	(	PUNCT
fueconorg-12029	145	21	ln	ln	ADJ
fueconorg-12029	145	22	)	)	PUNCT
fueconorg-12029	145	23	,	,	PUNCT
fueconorg-12029	145	24	as	as	SCONJ
fueconorg-12029	145	25	these	these	PRON
fueconorg-12029	145	26	are	be	AUX
fueconorg-12029	145	27	the	the	DET
fueconorg-12029	145	28	only	only	ADJ
fueconorg-12029	145	29	nominal	nominal	ADJ
fueconorg-12029	145	30	data	datum	NOUN
fueconorg-12029	145	31	.	.	PUNCT
fueconorg-12029	146	1	given	give	VERB
fueconorg-12029	146	2	that	that	SCONJ
fueconorg-12029	146	3	this	this	DET
fueconorg-12029	146	4	series	series	NOUN
fueconorg-12029	146	5	was	be	AUX
fueconorg-12029	146	6	used	use	VERB
fueconorg-12029	146	7	to	to	PART
fueconorg-12029	146	8	calculate	calculate	VERB
fueconorg-12029	146	9	the	the	DET
fueconorg-12029	146	10	insurance	insurance	NOUN
fueconorg-12029	146	11	cycle	cycle	NOUN
fueconorg-12029	146	12	duration	duration	NOUN
fueconorg-12029	146	13	,	,	PUNCT
fueconorg-12029	146	14	it	it	PRON
fueconorg-12029	146	15	was	be	AUX
fueconorg-12029	146	16	determined	determine	VERB
fueconorg-12029	146	17	using	use	VERB
fueconorg-12029	146	18	the	the	DET
fueconorg-12029	146	19	equation	equation	NOUN
fueconorg-12029	146	20	defined	define	VERB
fueconorg-12029	146	21	by	by	ADP
fueconorg-12029	146	22	meier	meier	NOUN
fueconorg-12029	146	23	and	and	CCONJ
fueconorg-12029	146	24	outreville	outreville	NOUN
fueconorg-12029	146	25	(	(	PUNCT
fueconorg-12029	146	26	meier	meier	NOUN
fueconorg-12029	146	27	and	and	CCONJ
fueconorg-12029	146	28	outreville	outreville	NOUN
fueconorg-12029	146	29	,	,	PUNCT
fueconorg-12029	146	30	2006	2006	NUM
fueconorg-12029	146	31	,	,	PUNCT
fueconorg-12029	146	32	pp	pp	ADJ
fueconorg-12029	146	33	.	.	NOUN
fueconorg-12029	146	34	164	164	NUM
fueconorg-12029	146	35	)	)	PUNCT
fueconorg-12029	146	36	.	.	PUNCT
fueconorg-12029	147	1	the	the	DET
fueconorg-12029	147	2	duration	duration	NOUN
fueconorg-12029	147	3	of	of	ADP
fueconorg-12029	147	4	the	the	DET
fueconorg-12029	147	5	liability	liability	NOUN
fueconorg-12029	147	6	car	car	NOUN
fueconorg-12029	147	7	insurance	insurance	NOUN
fueconorg-12029	147	8	cycle	cycle	NOUN
fueconorg-12029	147	9	in	in	ADP
fueconorg-12029	147	10	the	the	DET
fueconorg-12029	147	11	republic	republic	NOUN
fueconorg-12029	147	12	of	of	ADP
fueconorg-12029	147	13	serbia	serbia	PROPN
fueconorg-12029	147	14	was	be	AUX
fueconorg-12029	147	15	6.28	6.28	NUM
fueconorg-12029	147	16	years	year	NOUN
fueconorg-12029	147	17	(	(	PUNCT
fueconorg-12029	147	18	table	table	NOUN
fueconorg-12029	147	19	2	2	NUM
fueconorg-12029	147	20	)	)	PUNCT
fueconorg-12029	147	21	,	,	PUNCT
fueconorg-12029	147	22	which	which	PRON
fueconorg-12029	147	23	indicates	indicate	VERB
fueconorg-12029	147	24	that	that	SCONJ
fueconorg-12029	147	25	changes	change	NOUN
fueconorg-12029	147	26	in	in	ADP
fueconorg-12029	147	27	liability	liability	NOUN
fueconorg-12029	147	28	car	car	NOUN
fueconorg-12029	147	29	insurance	insurance	NOUN
fueconorg-12029	147	30	prices	price	NOUN
fueconorg-12029	147	31	ultimately	ultimately	ADV
fueconorg-12029	147	32	affect	affect	VERB
fueconorg-12029	147	33	the	the	DET
fueconorg-12029	147	34	availability	availability	NOUN
fueconorg-12029	147	35	of	of	ADP
fueconorg-12029	147	36	insurance	insurance	NOUN
fueconorg-12029	147	37	coverage	coverage	NOUN
fueconorg-12029	147	38	.	.	PUNCT
fueconorg-12029	148	1	in	in	ADP
fueconorg-12029	148	2	some	some	DET
fueconorg-12029	148	3	years	year	NOUN
fueconorg-12029	148	4	,	,	PUNCT
fueconorg-12029	148	5	it	it	PRON
fueconorg-12029	148	6	is	be	AUX
fueconorg-12029	148	7	harder	hard	ADJ
fueconorg-12029	148	8	to	to	PART
fueconorg-12029	148	9	obtain	obtain	VERB
fueconorg-12029	148	10	coverage	coverage	NOUN
fueconorg-12029	148	11	,	,	PUNCT
fueconorg-12029	148	12	while	while	SCONJ
fueconorg-12029	148	13	in	in	ADP
fueconorg-12029	148	14	others	other	NOUN
fueconorg-12029	148	15	,	,	PUNCT
fueconorg-12029	148	16	it	it	PRON
fueconorg-12029	148	17	is	be	AUX
fueconorg-12029	148	18	easier	easy	ADJ
fueconorg-12029	148	19	.	.	PUNCT
fueconorg-12029	149	1	1	1	NUM
fueconorg-12029	149	2	1	1	NUM
fueconorg-12029	149	3	2	2	NUM
fueconorg-12029	149	4	(	(	PUNCT
fueconorg-12029	149	5	)	)	PUNCT
fueconorg-12029	149	6	2	2	NUM
fueconorg-12029	149	7	/	/	SYM
fueconorg-12029	149	8	cos	cos	PROPN
fueconorg-12029	149	9	(	(	PUNCT
fueconorg-12029	149	10	/	/	SYM
fueconorg-12029	149	11	2	2	NUM
fueconorg-12029	149	12	)	)	PUNCT
fueconorg-12029	149	13	period	period	NOUN
fueconorg-12029	149	14	ii	ii	PROPN
fueconorg-12029	149	15	a	a	DET
fueconorg-12029	149	16	a	a	PROPN
fueconorg-12029	149	17	−=	−=	NOUN
fueconorg-12029	149	18	−	−	PROPN
fueconorg-12029	149	19	(	(	PUNCT
fueconorg-12029	149	20	5	5	NUM
fueconorg-12029	149	21	)	)	SYM
fueconorg-12029	149	22	2	2	NUM
fueconorg-12029	149	23	average	average	ADJ
fueconorg-12029	149	24	premium	premium	NOUN
fueconorg-12029	149	25	=	=	NOUN
fueconorg-12029	149	26	premium	premium	NOUN
fueconorg-12029	149	27	value	value	NOUN
fueconorg-12029	149	28	/	/	SYM
fueconorg-12029	149	29	number	number	NOUN
fueconorg-12029	149	30	of	of	ADP
fueconorg-12029	149	31	policies	policy	NOUN
fueconorg-12029	149	32	;	;	PUNCT
fueconorg-12029	149	33	average	average	ADJ
fueconorg-12029	149	34	claim	claim	NOUN
fueconorg-12029	149	35	=	=	NOUN
fueconorg-12029	149	36	value	value	NOUN
fueconorg-12029	149	37	of	of	ADP
fueconorg-12029	149	38	settled	settle	VERB
fueconorg-12029	149	39	claims	claim	NOUN
fueconorg-12029	149	40	/	/	SYM
fueconorg-12029	149	41	number	number	NOUN
fueconorg-12029	149	42	of	of	ADP
fueconorg-12029	149	43	settled	settle	VERB
fueconorg-12029	149	44	claims	claim	NOUN
fueconorg-12029	149	45	;	;	PUNCT
fueconorg-12029	149	46	to	to	PART
fueconorg-12029	149	47	liquidate	liquidate	VERB
fueconorg-12029	149	48	one	one	NUM
fueconorg-12029	149	49	claim	claim	NOUN
fueconorg-12029	149	50	=	=	NOUN
fueconorg-12029	149	51	total	total	ADJ
fueconorg-12029	149	52	number	number	NOUN
fueconorg-12029	149	53	of	of	ADP
fueconorg-12029	149	54	policies	policy	NOUN
fueconorg-12029	149	55	/	/	SYM
fueconorg-12029	149	56	total	total	ADJ
fueconorg-12029	149	57	number	number	NOUN
fueconorg-12029	149	58	of	of	ADP
fueconorg-12029	149	59	liquidated	liquidate	VERB
fueconorg-12029	149	60	claims	claim	NOUN
fueconorg-12029	149	61	194	194	NUM
fueconorg-12029	149	62	m.	m.	NOUN
fueconorg-12029	149	63	milutinović	milutinović	NOUN
fueconorg-12029	149	64	▪	▪	ADV
fueconorg-12029	149	65	other	other	ADJ
fueconorg-12029	149	66	data	datum	NOUN
fueconorg-12029	149	67	(	(	PUNCT
fueconorg-12029	149	68	r_dog	r_dog	NOUN
fueconorg-12029	149	69	,	,	PUNCT
fueconorg-12029	149	70	r_prib	r_prib	PROPN
fueconorg-12029	149	71	,	,	PUNCT
fueconorg-12029	149	72	r_rez	r_rez	NOUN
fueconorg-12029	149	73	,	,	PUNCT
fueconorg-12029	149	74	and	and	CCONJ
fueconorg-12029	149	75	r_org	r_org	NOUN
fueconorg-12029	149	76	)	)	PUNCT
fueconorg-12029	149	77	were	be	AUX
fueconorg-12029	149	78	transformed	transform	VERB
fueconorg-12029	149	79	using	use	VERB
fueconorg-12029	149	80	the	the	DET
fueconorg-12029	149	81	hodrickprescott	hodrickprescott	NOUN
fueconorg-12029	149	82	filter	filter	NOUN
fueconorg-12029	149	83	to	to	PART
fueconorg-12029	149	84	eliminate	eliminate	VERB
fueconorg-12029	149	85	short	short	ADJ
fueconorg-12029	149	86	-	-	PUNCT
fueconorg-12029	149	87	term	term	NOUN
fueconorg-12029	149	88	fluctuations	fluctuation	NOUN
fueconorg-12029	149	89	that	that	PRON
fueconorg-12029	149	90	could	could	AUX
fueconorg-12029	149	91	be	be	AUX
fueconorg-12029	149	92	attributed	attribute	VERB
fueconorg-12029	149	93	to	to	ADP
fueconorg-12029	149	94	the	the	DET
fueconorg-12029	149	95	cyclicality	cyclicality	NOUN
fueconorg-12029	149	96	of	of	ADP
fueconorg-12029	149	97	insurance	insurance	NOUN
fueconorg-12029	149	98	.	.	PUNCT
fueconorg-12029	150	1	table	table	NOUN
fueconorg-12029	150	2	2	2	NUM
fueconorg-12029	150	3	calculation	calculation	NOUN
fueconorg-12029	150	4	of	of	ADP
fueconorg-12029	150	5	the	the	DET
fueconorg-12029	150	6	length	length	NOUN
fueconorg-12029	150	7	of	of	ADP
fueconorg-12029	150	8	the	the	DET
fueconorg-12029	150	9	cycle	cycle	NOUN
fueconorg-12029	150	10	of	of	ADP
fueconorg-12029	150	11	liability	liability	NOUN
fueconorg-12029	150	12	car	car	NOUN
fueconorg-12029	150	13	insurance	insurance	NOUN
fueconorg-12029	150	14	in	in	ADP
fueconorg-12029	150	15	the	the	DET
fueconorg-12029	150	16	republic	republic	NOUN
fueconorg-12029	150	17	of	of	ADP
fueconorg-12029	150	18	serbia	serbia	PROPN
fueconorg-12029	150	19	coefficients	coefficient	VERB
fueconorg-12029	150	20	standard	standard	ADJ
fueconorg-12029	150	21	error	error	NOUN
fueconorg-12029	150	22	t	t	NOUN
fueconorg-12029	150	23	stat	stat	NOUN
fueconorg-12029	150	24	p	p	NOUN
fueconorg-12029	150	25	-	-	PUNCT
fueconorg-12029	150	26	value	value	NOUN
fueconorg-12029	150	27	lower	low	ADJ
fueconorg-12029	150	28	95	95	NUM
fueconorg-12029	150	29	%	%	NOUN
fueconorg-12029	150	30	upper	upper	ADJ
fueconorg-12029	150	31	95	95	NUM
fueconorg-12029	150	32	%	%	NOUN
fueconorg-12029	150	33	lower	low	ADJ
fueconorg-12029	150	34	95,0	95,0	NUM
fueconorg-12029	150	35	%	%	NOUN
fueconorg-12029	150	36	upper	upper	ADJ
fueconorg-12029	150	37	95,0	95,0	NUM
fueconorg-12029	150	38	%	%	NOUN
fueconorg-12029	150	39	intercept	intercept	NOUN
fueconorg-12029	150	40	0.02657	0.02657	NUM
fueconorg-12029	150	41	0.02071	0.02071	NUM
fueconorg-12029	150	42	1.28315	1.28315	NUM
fueconorg-12029	150	43	0.20535	0.20535	NUM
fueconorg-12029	150	44	(	(	PUNCT
fueconorg-12029	150	45	0.01502	0.01502	NUM
fueconorg-12029	150	46	)	)	PUNCT
fueconorg-12029	150	47	0.06816	0.06816	NUM
fueconorg-12029	150	48	(	(	PUNCT
fueconorg-12029	150	49	0.01502	0.01502	NUM
fueconorg-12029	150	50	)	)	PUNCT
fueconorg-12029	150	51	0.06816	0.06816	NUM
fueconorg-12029	150	52	a1	a1	NOUN
fueconorg-12029	150	53	0.52761	0.52761	NUM
fueconorg-12029	150	54	0.13231	0.13231	NUM
fueconorg-12029	150	55	(	(	PUNCT
fueconorg-12029	150	56	3.98755	3.98755	NUM
fueconorg-12029	150	57	)	)	PUNCT
fueconorg-12029	150	58	0.00022	0.00022	NUM
fueconorg-12029	150	59	(	(	PUNCT
fueconorg-12029	150	60	0.79337	0.79337	NUM
fueconorg-12029	150	61	)	)	PUNCT
fueconorg-12029	150	62	(	(	PUNCT
fueconorg-12029	150	63	0.26185	0.26185	NUM
fueconorg-12029	150	64	)	)	PUNCT
fueconorg-12029	150	65	(	(	PUNCT
fueconorg-12029	150	66	0.79337	0.79337	NUM
fueconorg-12029	150	67	)	)	PUNCT
fueconorg-12029	150	68	(	(	PUNCT
fueconorg-12029	150	69	0.26185	0.26185	NUM
fueconorg-12029	150	70	)	)	PUNCT
fueconorg-12029	150	71	a2	a2	PROPN
fueconorg-12029	150	72	(	(	PUNCT
fueconorg-12029	150	73	0.31522	0.31522	NUM
fueconorg-12029	150	74	)	)	PUNCT
fueconorg-12029	150	75	0.13019	0.13019	NUM
fueconorg-12029	150	76	(	(	PUNCT
fueconorg-12029	150	77	2.42121	2.42121	NUM
fueconorg-12029	150	78	)	)	PUNCT
fueconorg-12029	150	79	0.01914	0.01914	NUM
fueconorg-12029	150	80	(	(	PUNCT
fueconorg-12029	150	81	0.57672	0.57672	NUM
fueconorg-12029	150	82	)	)	PUNCT
fueconorg-12029	150	83	(	(	PUNCT
fueconorg-12029	150	84	0.05372	0.05372	NUM
fueconorg-12029	150	85	)	)	PUNCT
fueconorg-12029	150	86	(	(	PUNCT
fueconorg-12029	150	87	0.57672	0.57672	NUM
fueconorg-12029	150	88	)	)	PUNCT
fueconorg-12029	150	89	(	(	PUNCT
fueconorg-12029	150	90	0.05372	0.05372	NUM
fueconorg-12029	150	91	)	)	PUNCT
fueconorg-12029	150	92	source	source	NOUN
fueconorg-12029	150	93	:	:	PUNCT
fueconorg-12029	150	94	author	author	NOUN
fueconorg-12029	150	95	's	's	PART
fueconorg-12029	150	96	calculation	calculation	NOUN
fueconorg-12029	150	97	based	base	VERB
fueconorg-12029	150	98	on	on	ADP
fueconorg-12029	150	99	the	the	DET
fueconorg-12029	150	100	nbs	nbs	PROPN
fueconorg-12029	150	101	data	datum	NOUN
fueconorg-12029	150	102	for	for	ADP
fueconorg-12029	150	103	the	the	DET
fueconorg-12029	150	104	period	period	NOUN
fueconorg-12029	150	105	2005	2005	NUM
fueconorg-12029	150	106	-	-	SYM
fueconorg-12029	150	107	2022	2022	NUM
fueconorg-12029	150	108	(	(	PUNCT
fueconorg-12029	150	109	6	6	NUM
fueconorg-12029	150	110	)	)	PUNCT
fueconorg-12029	150	111	where	where	SCONJ
fueconorg-12029	150	112	xt	xt	X
fueconorg-12029	150	113	–	–	PUNCT
fueconorg-12029	150	114	the	the	DET
fueconorg-12029	150	115	premium	premium	NOUN
fueconorg-12029	150	116	in	in	ADP
fueconorg-12029	150	117	period	period	NOUN
fueconorg-12029	150	118	t	t	NOUN
fueconorg-12029	150	119	;	;	PUNCT
fueconorg-12029	150	120	wt	wt	PROPN
fueconorg-12029	150	121	–	–	PUNCT
fueconorg-12029	150	122	is	be	AUX
fueconorg-12029	150	123	the	the	DET
fueconorg-12029	150	124	random	random	ADJ
fueconorg-12029	150	125	error	error	NOUN
fueconorg-12029	150	126	.	.	PUNCT
fueconorg-12029	151	1	condition	condition	NOUN
fueconorg-12029	151	2	for	for	ADP
fueconorg-12029	151	3	the	the	DET
fueconorg-12029	151	4	presence	presence	NOUN
fueconorg-12029	151	5	of	of	ADP
fueconorg-12029	151	6	the	the	DET
fueconorg-12029	151	7	cycle	cycle	NOUN
fueconorg-12029	151	8	and	and	CCONJ
fueconorg-12029	151	9	(	(	PUNCT
fueconorg-12029	151	10	7	7	X
fueconorg-12029	151	11	)	)	PUNCT
fueconorg-12029	151	12	length	length	NOUN
fueconorg-12029	151	13	of	of	ADP
fueconorg-12029	151	14	the	the	DET
fueconorg-12029	151	15	cycle	cycle	NOUN
fueconorg-12029	151	16	of	of	ADP
fueconorg-12029	151	17	liability	liability	NOUN
fueconorg-12029	151	18	car	car	NOUN
fueconorg-12029	151	19	insurance	insurance	NOUN
fueconorg-12029	151	20	the	the	DET
fueconorg-12029	151	21	condition	condition	NOUN
fueconorg-12029	151	22	for	for	ADP
fueconorg-12029	151	23	answering	answer	VERB
fueconorg-12029	151	24	the	the	DET
fueconorg-12029	151	25	question	question	NOUN
fueconorg-12029	151	26	of	of	ADP
fueconorg-12029	151	27	whether	whether	SCONJ
fueconorg-12029	151	28	the	the	DET
fueconorg-12029	151	29	premium	premium	NOUN
fueconorg-12029	151	30	reflects	reflect	VERB
fueconorg-12029	151	31	the	the	DET
fueconorg-12029	151	32	individual	individual	ADJ
fueconorg-12029	151	33	influence	influence	NOUN
fueconorg-12029	151	34	of	of	ADP
fueconorg-12029	151	35	the	the	DET
fueconorg-12029	151	36	risk	risk	NOUN
fueconorg-12029	151	37	of	of	ADP
fueconorg-12029	151	38	occurrence	occurrence	NOUN
fueconorg-12029	151	39	of	of	ADP
fueconorg-12029	151	40	a	a	DET
fueconorg-12029	151	41	harmful	harmful	ADJ
fueconorg-12029	151	42	event	event	NOUN
fueconorg-12029	151	43	,	,	PUNCT
fueconorg-12029	151	44	the	the	DET
fueconorg-12029	151	45	risk	risk	NOUN
fueconorg-12029	151	46	of	of	ADP
fueconorg-12029	151	47	forming	form	VERB
fueconorg-12029	151	48	technical	technical	ADJ
fueconorg-12029	151	49	reserves	reserve	NOUN
fueconorg-12029	151	50	,	,	PUNCT
fueconorg-12029	151	51	and	and	CCONJ
fueconorg-12029	151	52	organizational	organizational	ADJ
fueconorg-12029	151	53	risk	risk	NOUN
fueconorg-12029	151	54	,	,	PUNCT
fueconorg-12029	151	55	involves	involve	VERB
fueconorg-12029	151	56	applying	apply	VERB
fueconorg-12029	151	57	a	a	DET
fueconorg-12029	151	58	multiple	multiple	ADJ
fueconorg-12029	151	59	linear	linear	ADJ
fueconorg-12029	151	60	regression	regression	NOUN
fueconorg-12029	151	61	model	model	NOUN
fueconorg-12029	151	62	.	.	PUNCT
fueconorg-12029	152	1	however	however	ADV
fueconorg-12029	152	2	,	,	PUNCT
fueconorg-12029	152	3	determining	determine	VERB
fueconorg-12029	152	4	the	the	DET
fueconorg-12029	152	5	overall	overall	ADJ
fueconorg-12029	152	6	interdependence	interdependence	NOUN
fueconorg-12029	152	7	of	of	ADP
fueconorg-12029	152	8	all	all	DET
fueconorg-12029	152	9	the	the	DET
fueconorg-12029	152	10	mentioned	mention	VERB
fueconorg-12029	152	11	variables	variable	NOUN
fueconorg-12029	152	12	requires	require	VERB
fueconorg-12029	152	13	the	the	DET
fueconorg-12029	152	14	application	application	NOUN
fueconorg-12029	152	15	of	of	ADP
fueconorg-12029	152	16	a	a	DET
fueconorg-12029	152	17	vector	vector	NOUN
fueconorg-12029	152	18	autoregression	autoregression	NOUN
fueconorg-12029	152	19	(	(	PUNCT
fueconorg-12029	152	20	var	var	NOUN
fueconorg-12029	152	21	)	)	PUNCT
fueconorg-12029	152	22	model	model	NOUN
fueconorg-12029	152	23	.	.	PUNCT
fueconorg-12029	153	1	the	the	DET
fueconorg-12029	153	2	first	first	ADJ
fueconorg-12029	153	3	step	step	NOUN
fueconorg-12029	153	4	in	in	ADP
fueconorg-12029	153	5	applying	apply	VERB
fueconorg-12029	153	6	these	these	DET
fueconorg-12029	153	7	models	model	NOUN
fueconorg-12029	153	8	is	be	AUX
fueconorg-12029	153	9	to	to	PART
fueconorg-12029	153	10	determine	determine	VERB
fueconorg-12029	153	11	the	the	DET
fueconorg-12029	153	12	stationarity	stationarity	NOUN
fueconorg-12029	153	13	of	of	ADP
fueconorg-12029	153	14	each	each	DET
fueconorg-12029	153	15	time	time	NOUN
fueconorg-12029	153	16	series	series	PROPN
fueconorg-12029	153	17	individually	individually	ADV
fueconorg-12029	153	18	.	.	PUNCT
fueconorg-12029	154	1	stationarity	stationarity	NOUN
fueconorg-12029	154	2	was	be	AUX
fueconorg-12029	154	3	tested	test	VERB
fueconorg-12029	154	4	using	use	VERB
fueconorg-12029	154	5	the	the	DET
fueconorg-12029	154	6	adf	adf	NOUN
fueconorg-12029	154	7	test	test	NOUN
fueconorg-12029	154	8	,	,	PUNCT
fueconorg-12029	154	9	and	and	CCONJ
fueconorg-12029	154	10	the	the	DET
fueconorg-12029	154	11	results	result	NOUN
fueconorg-12029	154	12	are	be	AUX
fueconorg-12029	154	13	presented	present	VERB
fueconorg-12029	154	14	in	in	ADP
fueconorg-12029	154	15	table	table	NOUN
fueconorg-12029	154	16	3	3	NUM
fueconorg-12029	154	17	.	.	PUNCT
fueconorg-12029	154	18	table	table	NOUN
fueconorg-12029	154	19	3	3	NUM
fueconorg-12029	154	20	adf	adf	NOUN
fueconorg-12029	154	21	test	test	NOUN
fueconorg-12029	154	22	results	result	VERB
fueconorg-12029	154	23	variable	variable	ADJ
fueconorg-12029	154	24	adf	adf	PROPN
fueconorg-12029	154	25	test	test	NOUN
fueconorg-12029	154	26	constant	constant	ADJ
fueconorg-12029	154	27	constant	constant	ADJ
fueconorg-12029	154	28	and	and	CCONJ
fueconorg-12029	154	29	trend	trend	NOUN
fueconorg-12029	154	30	without	without	ADP
fueconorg-12029	154	31	deterministic	deterministic	ADJ
fueconorg-12029	154	32	components	component	NOUN
fueconorg-12029	154	33	ln_prem	ln_prem	VERB
fueconorg-12029	154	34	-1.116	-1.116	PUNCT
fueconorg-12029	154	35	-2.284	-2.284	NUM
fueconorg-12029	154	36	1.230	1.230	NUM
fueconorg-12029	154	37	r_dog	r_dog	NOUN
fueconorg-12029	154	38	-5.601	-5.601	PUNCT
fueconorg-12029	154	39	*	*	NOUN
fueconorg-12029	154	40	-5.568	-5.568	PROPN
fueconorg-12029	154	41	*	*	SYM
fueconorg-12029	154	42	-5.658	-5.658	PROPN
fueconorg-12029	154	43	*	*	PUNCT
fueconorg-12029	155	1	r_rez	r_rez	NOUN
fueconorg-12029	155	2	-5.608	-5.608	PROPN
fueconorg-12029	155	3	*	*	PUNCT
fueconorg-12029	155	4	-5.564	-5.564	PROPN
fueconorg-12029	155	5	*	*	PUNCT
fueconorg-12029	155	6	-5.667	-5.667	NOUN
fueconorg-12029	155	7	*	*	PUNCT
fueconorg-12029	155	8	r_prib	r_prib	X
fueconorg-12029	155	9	-3.621	-3.621	PROPN
fueconorg-12029	155	10	*	*	PUNCT
fueconorg-12029	155	11	-3.598	-3.598	PROPN
fueconorg-12029	155	12	*	*	SYM
fueconorg-12029	155	13	-3.663	-3.663	PROPN
fueconorg-12029	155	14	*	*	PUNCT
fueconorg-12029	155	15	r_org	r_org	ADJ
fueconorg-12029	155	16	-7.583	-7.583	NOUN
fueconorg-12029	155	17	*	*	NOUN
fueconorg-12029	155	18	-7.526	-7.526	NOUN
fueconorg-12029	155	19	*	*	PUNCT
fueconorg-12029	156	1	-7.654	-7.654	PROPN
fueconorg-12029	156	2	*	*	PUNCT
fueconorg-12029	156	3	first	first	ADJ
fueconorg-12029	156	4	difference	difference	NOUN
fueconorg-12029	156	5	adf	adf	PROPN
fueconorg-12029	156	6	test	test	NOUN
fueconorg-12029	156	7	constant	constant	ADJ
fueconorg-12029	156	8	constant	constant	ADJ
fueconorg-12029	156	9	and	and	CCONJ
fueconorg-12029	156	10	trend	trend	NOUN
fueconorg-12029	156	11	without	without	ADP
fueconorg-12029	156	12	deterministic	deterministic	ADJ
fueconorg-12029	156	13	components	component	NOUN
fueconorg-12029	156	14	dln_prem	dln_prem	VERB
fueconorg-12029	156	15	-13.467	-13.467	PROPN
fueconorg-12029	156	16	*	*	SYM
fueconorg-12029	156	17	-13.351	-13.351	PROPN
fueconorg-12029	156	18	*	*	PROPN
fueconorg-12029	156	19	-12.247	-12.247	PROPN
fueconorg-12029	156	20	*	*	PROPN
fueconorg-12029	156	21	stationarity	stationarity	NOUN
fueconorg-12029	156	22	of	of	ADP
fueconorg-12029	156	23	the	the	DET
fueconorg-12029	156	24	time	time	NOUN
fueconorg-12029	156	25	series	series	NOUN
fueconorg-12029	156	26	at	at	ADP
fueconorg-12029	156	27	a	a	DET
fueconorg-12029	156	28	significance	significance	NOUN
fueconorg-12029	156	29	level	level	NOUN
fueconorg-12029	156	30	of	of	ADP
fueconorg-12029	156	31	5	5	NUM
fueconorg-12029	156	32	%	%	NOUN
fueconorg-12029	156	33	source	source	NOUN
fueconorg-12029	156	34	:	:	PUNCT
fueconorg-12029	156	35	author	author	NOUN
fueconorg-12029	156	36	's	's	PART
fueconorg-12029	156	37	calculation	calculation	NOUN
fueconorg-12029	156	38	based	base	VERB
fueconorg-12029	156	39	on	on	ADP
fueconorg-12029	156	40	the	the	DET
fueconorg-12029	156	41	nbs	nbs	PROPN
fueconorg-12029	156	42	data	datum	NOUN
fueconorg-12029	156	43	for	for	ADP
fueconorg-12029	156	44	the	the	DET
fueconorg-12029	156	45	period	period	NOUN
fueconorg-12029	156	46	2005	2005	NUM
fueconorg-12029	156	47	-	-	SYM
fueconorg-12029	156	48	2022	2022	NUM
fueconorg-12029	156	49	the	the	DET
fueconorg-12029	156	50	next	next	ADJ
fueconorg-12029	156	51	step	step	NOUN
fueconorg-12029	156	52	is	be	AUX
fueconorg-12029	156	53	to	to	PART
fueconorg-12029	156	54	determine	determine	VERB
fueconorg-12029	156	55	the	the	DET
fueconorg-12029	156	56	information	information	NOUN
fueconorg-12029	156	57	criterion	criterion	NOUN
fueconorg-12029	156	58	of	of	ADP
fueconorg-12029	156	59	the	the	DET
fueconorg-12029	156	60	model	model	NOUN
fueconorg-12029	156	61	.	.	PUNCT
fueconorg-12029	157	1	according	accord	VERB
fueconorg-12029	157	2	to	to	ADP
fueconorg-12029	157	3	the	the	DET
fueconorg-12029	157	4	data	datum	NOUN
fueconorg-12029	157	5	in	in	ADP
fueconorg-12029	157	6	table	table	NOUN
fueconorg-12029	157	7	4	4	NUM
fueconorg-12029	157	8	:	:	PUNCT
fueconorg-12029	157	9	aic	aic	PROPN
fueconorg-12029	157	10	suggests	suggest	VERB
fueconorg-12029	157	11	a	a	DET
fueconorg-12029	157	12	lag	lag	NOUN
fueconorg-12029	157	13	length	length	NOUN
fueconorg-12029	157	14	of	of	ADP
fueconorg-12029	157	15	k=3	k=3	PROPN
fueconorg-12029	157	16	;	;	PUNCT
fueconorg-12029	157	17	hqic	hqic	NOUN
fueconorg-12029	157	18	suggests	suggest	VERB
fueconorg-12029	157	19	a	a	DET
fueconorg-12029	157	20	lag	lag	NOUN
fueconorg-12029	157	21	length	length	NOUN
fueconorg-12029	157	22	of	of	ADP
fueconorg-12029	157	23	k=2	k=2	PROPN
fueconorg-12029	157	24	;	;	PUNCT
fueconorg-12029	157	25	risk	risk	NOUN
fueconorg-12029	157	26	factors	factor	NOUN
fueconorg-12029	157	27	for	for	ADP
fueconorg-12029	157	28	the	the	DET
fueconorg-12029	157	29	occurrence	occurrence	NOUN
fueconorg-12029	157	30	of	of	ADP
fueconorg-12029	157	31	claims	claim	NOUN
fueconorg-12029	157	32	and	and	CCONJ
fueconorg-12029	157	33	the	the	DET
fueconorg-12029	157	34	adequacy	adequacy	NOUN
fueconorg-12029	157	35	of	of	ADP
fueconorg-12029	157	36	non	non	ADJ
fueconorg-12029	157	37	-	-	ADJ
fueconorg-12029	157	38	life	life	ADJ
fueconorg-12029	157	39	insurance	insurance	NOUN
fueconorg-12029	157	40	premiums	premium	NOUN
fueconorg-12029	157	41	195	195	NUM
fueconorg-12029	157	42	and	and	CCONJ
fueconorg-12029	157	43	sbic	sbic	NOUN
fueconorg-12029	157	44	suggests	suggest	VERB
fueconorg-12029	157	45	a	a	DET
fueconorg-12029	157	46	lag	lag	NOUN
fueconorg-12029	157	47	length	length	NOUN
fueconorg-12029	157	48	of	of	ADP
fueconorg-12029	157	49	k=1	k=1	PROPN
fueconorg-12029	157	50	.	.	PUNCT
fueconorg-12029	158	1	due	due	ADP
fueconorg-12029	158	2	to	to	ADP
fueconorg-12029	158	3	the	the	DET
fueconorg-12029	158	4	presence	presence	NOUN
fueconorg-12029	158	5	of	of	ADP
fueconorg-12029	158	6	significant	significant	ADJ
fueconorg-12029	158	7	autocorrelation	autocorrelation	NOUN
fueconorg-12029	158	8	at	at	ADP
fueconorg-12029	158	9	lag	lag	PROPN
fueconorg-12029	158	10	k=3	k=3	PROPN
fueconorg-12029	158	11	,	,	PUNCT
fueconorg-12029	158	12	a	a	DET
fueconorg-12029	158	13	lag	lag	NOUN
fueconorg-12029	158	14	length	length	NOUN
fueconorg-12029	158	15	of	of	ADP
fueconorg-12029	158	16	k=2	k=2	PROPN
fueconorg-12029	158	17	was	be	AUX
fueconorg-12029	158	18	chosen	choose	VERB
fueconorg-12029	158	19	.	.	PUNCT
fueconorg-12029	159	1	table	table	NOUN
fueconorg-12029	159	2	4	4	NUM
fueconorg-12029	159	3	information	information	NOUN
fueconorg-12029	159	4	criterion	criterion	NOUN
fueconorg-12029	159	5	of	of	ADP
fueconorg-12029	159	6	the	the	DET
fueconorg-12029	159	7	model	model	NOUN
fueconorg-12029	159	8	selection	selection	NOUN
fueconorg-12029	159	9	-	-	PUNCT
fueconorg-12029	159	10	order	order	NOUN
fueconorg-12029	159	11	criteria	criterion	NOUN
fueconorg-12029	159	12	sample	sample	NOUN
fueconorg-12029	159	13	:	:	PUNCT
fueconorg-12029	159	14	2005q2—2022q4	2005q2—2022q4	NUM
fueconorg-12029	159	15	number	number	NOUN
fueconorg-12029	159	16	of	of	ADP
fueconorg-12029	159	17	obs	obs	PROPN
fueconorg-12029	159	18	=	=	SYM
fueconorg-12029	159	19	71	71	NUM
fueconorg-12029	159	20	lag	lag	NOUN
fueconorg-12029	159	21	ll	ll	NOUN
fueconorg-12029	159	22	df	df	PROPN
fueconorg-12029	159	23	p	p	PROPN
fueconorg-12029	159	24	fpe	fpe	PROPN
fueconorg-12029	159	25	aic	aic	PROPN
fueconorg-12029	159	26	hqic	hqic	PROPN
fueconorg-12029	159	27	sbic	sbic	ADJ
fueconorg-12029	159	28	0	0	NUM
fueconorg-12029	159	29	264.890	264.890	NUM
fueconorg-12029	159	30	25	25	NUM
fueconorg-12029	159	31	2.6e-11	2.6e-11	NUM
fueconorg-12029	159	32	-101.918	-101.918	NOUN
fueconorg-12029	159	33	-101.194	-101.194	NUM
fueconorg-12029	159	34	100.024	100.024	NUM
fueconorg-12029	159	35	1	1	NUM
fueconorg-12029	159	36	358.533	358.533	NUM
fueconorg-12029	159	37	25	25	NUM
fueconorg-12029	159	38	0.000	0.000	NUM
fueconorg-12029	159	39	1.8e-12	1.8e-12	NUM
fueconorg-12029	159	40	-128.837	-128.837	NOUN
fueconorg-12029	159	41	-124.494	-124.494	NUM
fueconorg-12029	159	42	11.7473	11.7473	NUM
fueconorg-12029	159	43	*	*	SYM
fueconorg-12029	159	44	2	2	NUM
fueconorg-12029	159	45	401.135	401.135	NUM
fueconorg-12029	159	46	25	25	NUM
fueconorg-12029	159	47	0.000	0.000	NUM
fueconorg-12029	159	48	9.1e-13	9.1e-13	NUM
fueconorg-12029	159	49	*	*	PUNCT
fueconorg-12029	159	50	-135.739	-135.739	PUNCT
fueconorg-12029	159	51	-12.7778	-12.7778	INTJ
fueconorg-12029	159	52	*	*	NOUN
fueconorg-12029	159	53	114.906	114.906	NUM
fueconorg-12029	159	54	3	3	NUM
fueconorg-12029	159	55	427.927	427.927	NUM
fueconorg-12029	159	56	25	25	NUM
fueconorg-12029	159	57	0.001	0.001	NUM
fueconorg-12029	159	58	9.1e-13	9.1e-13	NUM
fueconorg-12029	159	59	-13.6442	-13.6442	PUNCT
fueconorg-12029	159	60	*	*	PROPN
fueconorg-12029	159	61	-124.862	-124.862	NUM
fueconorg-12029	159	62	106.139	106.139	NUM
fueconorg-12029	159	63	4	4	NUM
fueconorg-12029	159	64	448	448	NUM
fueconorg-12029	159	65	-	-	SYM
fueconorg-12029	159	66	445	445	NUM
fueconorg-12029	159	67	25	25	NUM
fueconorg-12029	159	68	0.023	0.023	NUM
fueconorg-12029	159	69	1.3e-12	1.3e-12	NUM
fueconorg-12029	159	70	-134.684	-134.684	NUM
fueconorg-12029	159	71	-119.486	-119.486	ADJ
fueconorg-12029	159	72	949	949	NUM
fueconorg-12029	159	73	-	-	SYM
fueconorg-12029	159	74	113	113	NUM
fueconorg-12029	159	75	source	source	NOUN
fueconorg-12029	159	76	:	:	PUNCT
fueconorg-12029	159	77	author	author	NOUN
fueconorg-12029	159	78	's	's	PART
fueconorg-12029	159	79	calculation	calculation	NOUN
fueconorg-12029	159	80	based	base	VERB
fueconorg-12029	159	81	on	on	ADP
fueconorg-12029	159	82	the	the	DET
fueconorg-12029	159	83	nbs	nbs	PROPN
fueconorg-12029	159	84	data	datum	NOUN
fueconorg-12029	159	85	for	for	ADP
fueconorg-12029	159	86	the	the	DET
fueconorg-12029	159	87	period	period	NOUN
fueconorg-12029	159	88	2005	2005	NUM
fueconorg-12029	159	89	-	-	SYM
fueconorg-12029	159	90	2022	2022	NUM
fueconorg-12029	159	91	after	after	ADP
fueconorg-12029	159	92	establishing	establish	VERB
fueconorg-12029	159	93	the	the	DET
fueconorg-12029	159	94	stationarity	stationarity	NOUN
fueconorg-12029	159	95	of	of	ADP
fueconorg-12029	159	96	the	the	DET
fueconorg-12029	159	97	time	time	NOUN
fueconorg-12029	159	98	series	series	NOUN
fueconorg-12029	159	99	(	(	PUNCT
fueconorg-12029	159	100	r_dog	r_dog	NOUN
fueconorg-12029	159	101	,	,	PUNCT
fueconorg-12029	159	102	r_rez	r_rez	NOUN
fueconorg-12029	159	103	,	,	PUNCT
fueconorg-12029	159	104	r_prib	r_prib	NUM
fueconorg-12029	159	105	,	,	PUNCT
fueconorg-12029	159	106	r_org	r_org	NOUN
fueconorg-12029	159	107	)	)	PUNCT
fueconorg-12029	159	108	,	,	PUNCT
fueconorg-12029	159	109	the	the	DET
fueconorg-12029	159	110	first	first	ADJ
fueconorg-12029	159	111	-	-	PUNCT
fueconorg-12029	159	112	order	order	NOUN
fueconorg-12029	159	113	differentiation	differentiation	NOUN
fueconorg-12029	159	114	of	of	ADP
fueconorg-12029	159	115	the	the	DET
fueconorg-12029	159	116	time	time	NOUN
fueconorg-12029	159	117	series	series	PROPN
fueconorg-12029	159	118	dln_prem	dln_prem	VERB
fueconorg-12029	159	119	was	be	AUX
fueconorg-12029	159	120	performed	perform	VERB
fueconorg-12029	159	121	,	,	PUNCT
fueconorg-12029	159	122	followed	follow	VERB
fueconorg-12029	159	123	by	by	ADP
fueconorg-12029	159	124	lagging	lag	VERB
fueconorg-12029	159	125	of	of	ADP
fueconorg-12029	159	126	2	2	NUM
fueconorg-12029	159	127	steps	step	NOUN
fueconorg-12029	159	128	(	(	PUNCT
fueconorg-12029	159	129	forming	form	VERB
fueconorg-12029	159	130	the	the	DET
fueconorg-12029	159	131	variable	variable	ADJ
fueconorg-12029	159	132	dln_prem_l2	dln_prem_l2	NOUN
fueconorg-12029	159	133	)	)	PUNCT
fueconorg-12029	159	134	.	.	PUNCT
fueconorg-12029	160	1	a	a	DET
fueconorg-12029	160	2	multiple	multiple	ADJ
fueconorg-12029	160	3	linear	linear	ADJ
fueconorg-12029	160	4	regression	regression	NOUN
fueconorg-12029	160	5	analysis	analysis	NOUN
fueconorg-12029	160	6	was	be	AUX
fueconorg-12029	160	7	then	then	ADV
fueconorg-12029	160	8	conducted	conduct	VERB
fueconorg-12029	160	9	where	where	SCONJ
fueconorg-12029	160	10	the	the	DET
fueconorg-12029	160	11	dependent	dependent	ADJ
fueconorg-12029	160	12	variable	variable	NOUN
fueconorg-12029	160	13	was	be	AUX
fueconorg-12029	160	14	dln_prem_l2	dln_prem_l2	PROPN
fueconorg-12029	160	15	,	,	PUNCT
fueconorg-12029	160	16	and	and	CCONJ
fueconorg-12029	160	17	the	the	DET
fueconorg-12029	160	18	predictors	predictor	NOUN
fueconorg-12029	160	19	were	be	AUX
fueconorg-12029	160	20	r_dog	r_dog	NOUN
fueconorg-12029	160	21	,	,	PUNCT
fueconorg-12029	160	22	r_rez	r_rez	NOUN
fueconorg-12029	160	23	,	,	PUNCT
fueconorg-12029	160	24	r_prib	r_prib	NOUN
fueconorg-12029	160	25	,	,	PUNCT
fueconorg-12029	160	26	and	and	CCONJ
fueconorg-12029	160	27	r_org	r_org	NOUN
fueconorg-12029	160	28	.	.	PUNCT
fueconorg-12029	161	1	the	the	DET
fueconorg-12029	161	2	results	result	NOUN
fueconorg-12029	161	3	of	of	ADP
fueconorg-12029	161	4	the	the	DET
fueconorg-12029	161	5	analysis	analysis	NOUN
fueconorg-12029	161	6	are	be	AUX
fueconorg-12029	161	7	presented	present	VERB
fueconorg-12029	161	8	in	in	ADP
fueconorg-12029	161	9	table	table	NOUN
fueconorg-12029	161	10	5	5	NUM
fueconorg-12029	161	11	.	.	PUNCT
fueconorg-12029	162	1	according	accord	VERB
fueconorg-12029	162	2	to	to	ADP
fueconorg-12029	162	3	the	the	DET
fueconorg-12029	162	4	data	datum	NOUN
fueconorg-12029	162	5	in	in	ADP
fueconorg-12029	162	6	table	table	NOUN
fueconorg-12029	162	7	5	5	NUM
fueconorg-12029	162	8	,	,	PUNCT
fueconorg-12029	162	9	the	the	DET
fueconorg-12029	162	10	explanatory	explanatory	ADJ
fueconorg-12029	162	11	power	power	NOUN
fueconorg-12029	162	12	of	of	ADP
fueconorg-12029	162	13	the	the	DET
fueconorg-12029	162	14	model	model	NOUN
fueconorg-12029	162	15	is	be	AUX
fueconorg-12029	162	16	60	60	NUM
fueconorg-12029	162	17	%	%	NOUN
fueconorg-12029	162	18	,	,	PUNCT
fueconorg-12029	162	19	meaning	mean	VERB
fueconorg-12029	162	20	that	that	SCONJ
fueconorg-12029	162	21	60	60	NUM
fueconorg-12029	162	22	%	%	NOUN
fueconorg-12029	162	23	of	of	ADP
fueconorg-12029	162	24	the	the	DET
fueconorg-12029	162	25	variability	variability	NOUN
fueconorg-12029	162	26	in	in	ADP
fueconorg-12029	162	27	the	the	DET
fueconorg-12029	162	28	dependent	dependent	ADJ
fueconorg-12029	162	29	variable	variable	NOUN
fueconorg-12029	162	30	can	can	AUX
fueconorg-12029	162	31	be	be	AUX
fueconorg-12029	162	32	explained	explain	VERB
fueconorg-12029	162	33	by	by	ADP
fueconorg-12029	162	34	the	the	DET
fueconorg-12029	162	35	variability	variability	NOUN
fueconorg-12029	162	36	of	of	ADP
fueconorg-12029	162	37	the	the	DET
fueconorg-12029	162	38	predictors	predictor	NOUN
fueconorg-12029	162	39	.	.	PUNCT
fueconorg-12029	163	1	the	the	DET
fueconorg-12029	163	2	value	value	NOUN
fueconorg-12029	163	3	of	of	ADP
fueconorg-12029	163	4	f	f	PROPN
fueconorg-12029	163	5	is	be	AUX
fueconorg-12029	163	6	less	less	ADJ
fueconorg-12029	163	7	than	than	ADP
fueconorg-12029	163	8	0.05	0.05	NUM
fueconorg-12029	163	9	,	,	PUNCT
fueconorg-12029	163	10	indicating	indicate	VERB
fueconorg-12029	163	11	that	that	SCONJ
fueconorg-12029	163	12	the	the	DET
fueconorg-12029	163	13	model	model	NOUN
fueconorg-12029	163	14	is	be	AUX
fueconorg-12029	163	15	statistically	statistically	ADV
fueconorg-12029	163	16	significant	significant	ADJ
fueconorg-12029	163	17	.	.	PUNCT
fueconorg-12029	164	1	for	for	SCONJ
fueconorg-12029	164	2	the	the	DET
fueconorg-12029	164	3	model	model	NOUN
fueconorg-12029	164	4	to	to	PART
fueconorg-12029	164	5	be	be	AUX
fueconorg-12029	164	6	representative	representative	ADJ
fueconorg-12029	164	7	,	,	PUNCT
fueconorg-12029	164	8	it	it	PRON
fueconorg-12029	164	9	is	be	AUX
fueconorg-12029	164	10	also	also	ADV
fueconorg-12029	164	11	necessary	necessary	ADJ
fueconorg-12029	164	12	to	to	PART
fueconorg-12029	164	13	test	test	VERB
fueconorg-12029	164	14	the	the	DET
fueconorg-12029	164	15	presence	presence	NOUN
fueconorg-12029	164	16	of	of	ADP
fueconorg-12029	164	17	autocorrelation	autocorrelation	NOUN
fueconorg-12029	164	18	and	and	CCONJ
fueconorg-12029	164	19	heteroscedasticity	heteroscedasticity	NOUN
fueconorg-12029	164	20	.	.	PUNCT
fueconorg-12029	165	1	table	table	NOUN
fueconorg-12029	165	2	5	5	NUM
fueconorg-12029	165	3	a	a	DET
fueconorg-12029	165	4	multiple	multiple	ADJ
fueconorg-12029	165	5	linear	linear	ADJ
fueconorg-12029	165	6	regression	regression	NOUN
fueconorg-12029	165	7	analysis	analysis	NOUN
fueconorg-12029	165	8	results	result	NOUN
fueconorg-12029	165	9	source	source	NOUN
fueconorg-12029	165	10	ss	ss	PROPN
fueconorg-12029	165	11	df	df	PROPN
fueconorg-12029	165	12	ms	ms	NOUN
fueconorg-12029	165	13	number	number	NOUN
fueconorg-12029	165	14	of	of	ADP
fueconorg-12029	165	15	obs	obs	PROPN
fueconorg-12029	165	16	=	=	SYM
fueconorg-12029	165	17	72	72	NUM
fueconorg-12029	165	18	model	model	NOUN
fueconorg-12029	165	19	.95491092	.95491092	PROPN
fueconorg-12029	165	20	4	4	NUM
fueconorg-12029	165	21	.23872773	.23872773	PROPN
fueconorg-12029	165	22	f(4	f(4	PROPN
fueconorg-12029	165	23	,	,	PUNCT
fueconorg-12029	165	24	68	68	NUM
fueconorg-12029	165	25	)	)	PUNCT
fueconorg-12029	165	26	=	=	NOUN
fueconorg-12029	166	1	20.14	20.14	NUM
fueconorg-12029	166	2	residual	residual	ADJ
fueconorg-12029	166	3	.56906055	.56906055	NOUN
fueconorg-12029	166	4	68	68	NUM
fueconorg-12029	166	5	.01185543	.01185543	ADJ
fueconorg-12029	166	6	probf	probf	PROPN
fueconorg-12029	166	7	=	=	SYM
fueconorg-12029	166	8	0.0000	0.0000	NUM
fueconorg-12029	166	9	total	total	ADJ
fueconorg-12029	166	10	1.5239714	1.5239714	NUM
fueconorg-12029	166	11	72	72	NUM
fueconorg-12029	166	12	.02930714	.02930714	NOUN
fueconorg-12029	166	13	r	r	NOUN
fueconorg-12029	166	14	-	-	PUNCT
fueconorg-12029	166	15	squared	square	VERB
fueconorg-12029	166	16	=	=	PUNCT
fueconorg-12029	166	17	0.6266	0.6266	NUM
fueconorg-12029	166	18	adj	adj	NOUN
fueconorg-12029	166	19	r	r	NOUN
fueconorg-12029	166	20	-	-	PUNCT
fueconorg-12029	166	21	squared	square	VERB
fueconorg-12029	166	22	=	=	SYM
fueconorg-12029	166	23	0.5955	0.5955	NUM
fueconorg-12029	166	24	root	root	NOUN
fueconorg-12029	166	25	mse	mse	NOUN
fueconorg-12029	166	26	=	=	SYM
fueconorg-12029	166	27	.10888	.10888	PROPN
fueconorg-12029	166	28	dln_prem_l2	dln_prem_l2	PROPN
fueconorg-12029	166	29	coef	coef	PROPN
fueconorg-12029	166	30	.	.	PUNCT
fueconorg-12029	167	1	std.err	std.err	PROPN
fueconorg-12029	167	2	t	t	PROPN
fueconorg-12029	167	3	pt	pt	NOUN
fueconorg-12029	167	4	95	95	NUM
fueconorg-12029	167	5	%	%	NOUN
fueconorg-12029	167	6	conf	conf	NOUN
fueconorg-12029	167	7	.	.	PUNCT
fueconorg-12029	168	1	interval	interval	NOUN
fueconorg-12029	168	2	r_dog	r_dog	NOUN
fueconorg-12029	168	3	.286486	.286486	PROPN
fueconorg-12029	168	4	.149501	.149501	NUM
fueconorg-12029	168	5	1.91	1.91	NUM
fueconorg-12029	168	6	0.062	0.062	NUM
fueconorg-12029	168	7	-0.0144049	-0.0144049	PROPN
fueconorg-12029	168	8	.5873786	.5873786	PROPN
fueconorg-12029	169	1	r_rez	r_rez	NOUN
fueconorg-12029	169	2	.797637	.797637	PROPN
fueconorg-12029	170	1	.310462	.310462	NOUN
fueconorg-12029	171	1	2.57	2.57	NUM
fueconorg-12029	171	2	0.013	0.013	NUM
fueconorg-12029	171	3	0.1734105	0.1734105	NUM
fueconorg-12029	171	4	1.421.863	1.421.863	NUM
fueconorg-12029	171	5	r_prib	r_prib	NOUN
fueconorg-12029	171	6	_	_	PUNCT
fueconorg-12029	171	7	.617736	.617736	PROPN
fueconorg-12029	171	8	.222718	.222718	PROPN
fueconorg-12029	171	9	-2.77	-2.77	NUM
fueconorg-12029	171	10	0.008	0.008	NUM
fueconorg-12029	171	11	-1.065.541	-1.065.541	NOUN
fueconorg-12029	171	12	-.1699307	-.1699307	PUNCT
fueconorg-12029	171	13	r_org	r_org	ADJ
fueconorg-12029	171	14	1.445207	1.445207	NUM
fueconorg-12029	172	1	.414528	.414528	NUM
fueconorg-12029	172	2	3.49	3.49	NUM
fueconorg-12029	172	3	0.001	0.001	NUM
fueconorg-12029	172	4	0.6117418	0.6117418	NUM
fueconorg-12029	172	5	2.278673	2.278673	NUM
fueconorg-12029	172	6	_	_	PUNCT
fueconorg-12029	172	7	cons	con	NOUN
fueconorg-12029	172	8	.015561	.015561	PROPN
fueconorg-12029	172	9	.014966	.014966	NOUN
fueconorg-12029	172	10	1.04	1.04	NUM
fueconorg-12029	172	11	0.304	0.304	NUM
fueconorg-12029	172	12	-0.0145304	-0.0145304	NOUN
fueconorg-12029	172	13	.0456523	.0456523	PROPN
fueconorg-12029	173	1	source	source	NOUN
fueconorg-12029	173	2	:	:	PUNCT
fueconorg-12029	173	3	author	author	NOUN
fueconorg-12029	173	4	's	's	PART
fueconorg-12029	173	5	calculation	calculation	NOUN
fueconorg-12029	173	6	based	base	VERB
fueconorg-12029	173	7	on	on	ADP
fueconorg-12029	173	8	the	the	DET
fueconorg-12029	173	9	nbs	nbs	PROPN
fueconorg-12029	173	10	data	datum	NOUN
fueconorg-12029	173	11	for	for	ADP
fueconorg-12029	173	12	the	the	DET
fueconorg-12029	173	13	period	period	NOUN
fueconorg-12029	173	14	2005	2005	NUM
fueconorg-12029	173	15	-	-	SYM
fueconorg-12029	173	16	2022	2022	NUM
fueconorg-12029	173	17	the	the	DET
fueconorg-12029	173	18	simplest	simple	ADJ
fueconorg-12029	173	19	way	way	NOUN
fueconorg-12029	173	20	to	to	PART
fueconorg-12029	173	21	test	test	NOUN
fueconorg-12029	173	22	autocorrelation	autocorrelation	NOUN
fueconorg-12029	173	23	is	be	AUX
fueconorg-12029	173	24	to	to	PART
fueconorg-12029	173	25	apply	apply	VERB
fueconorg-12029	173	26	the	the	DET
fueconorg-12029	173	27	durbin	durbin	ADJ
fueconorg-12029	173	28	-	-	PUNCT
fueconorg-12029	173	29	watson	watson	NOUN
fueconorg-12029	173	30	test	test	NOUN
fueconorg-12029	173	31	.	.	PUNCT
fueconorg-12029	174	1	the	the	DET
fueconorg-12029	174	2	value	value	NOUN
fueconorg-12029	174	3	of	of	ADP
fueconorg-12029	174	4	the	the	DET
fueconorg-12029	174	5	durbin	durbin	ADJ
fueconorg-12029	174	6	-	-	PUNCT
fueconorg-12029	174	7	watson	watson	PROPN
fueconorg-12029	174	8	coefficient	coefficient	NOUN
fueconorg-12029	174	9	in	in	ADP
fueconorg-12029	174	10	the	the	DET
fueconorg-12029	174	11	regression	regression	NOUN
fueconorg-12029	174	12	model	model	NOUN
fueconorg-12029	174	13	used	use	VERB
fueconorg-12029	174	14	is	be	AUX
fueconorg-12029	174	15	2.45	2.45	NUM
fueconorg-12029	174	16	,	,	PUNCT
fueconorg-12029	174	17	indicating	indicate	VERB
fueconorg-12029	174	18	the	the	DET
fueconorg-12029	174	19	presence	presence	NOUN
fueconorg-12029	174	20	of	of	ADP
fueconorg-12029	174	21	a	a	DET
fueconorg-12029	174	22	slightly	slightly	ADV
fueconorg-12029	174	23	negative	negative	ADJ
fueconorg-12029	174	24	correlation	correlation	NOUN
fueconorg-12029	174	25	.	.	PUNCT
fueconorg-12029	175	1	for	for	ADP
fueconorg-12029	175	2	further	further	ADJ
fueconorg-12029	175	3	testing	testing	NOUN
fueconorg-12029	175	4	,	,	PUNCT
fueconorg-12029	175	5	it	it	PRON
fueconorg-12029	175	6	was	be	AUX
fueconorg-12029	175	7	necessary	necessary	ADJ
fueconorg-12029	175	8	to	to	PART
fueconorg-12029	175	9	generate	generate	VERB
fueconorg-12029	175	10	the	the	DET
fueconorg-12029	175	11	residuals	residual	NOUN
fueconorg-12029	175	12	of	of	ADP
fueconorg-12029	175	13	the	the	DET
fueconorg-12029	175	14	regression	regression	NOUN
fueconorg-12029	175	15	model	model	NOUN
fueconorg-12029	175	16	and	and	CCONJ
fueconorg-12029	175	17	perform	perform	VERB
fueconorg-12029	175	18	their	their	PRON
fueconorg-12029	175	19	autoregression	autoregression	NOUN
fueconorg-12029	175	20	.	.	PUNCT
fueconorg-12029	176	1	the	the	DET
fueconorg-12029	176	2	results	result	NOUN
fueconorg-12029	176	3	of	of	ADP
fueconorg-12029	176	4	the	the	DET
fueconorg-12029	176	5	model	model	NOUN
fueconorg-12029	176	6	are	be	AUX
fueconorg-12029	176	7	provided	provide	VERB
fueconorg-12029	176	8	in	in	ADP
fueconorg-12029	176	9	table	table	NOUN
fueconorg-12029	176	10	6	6	NUM
fueconorg-12029	176	11	.	.	SYM
fueconorg-12029	176	12	196	196	NUM
fueconorg-12029	176	13	m.	m.	NOUN
fueconorg-12029	176	14	milutinović	milutinović	NOUN
fueconorg-12029	176	15	table	table	NOUN
fueconorg-12029	176	16	6	6	NUM
fueconorg-12029	176	17	results	result	NOUN
fueconorg-12029	176	18	of	of	ADP
fueconorg-12029	176	19	the	the	DET
fueconorg-12029	176	20	ar(i	ar(i	NOUN
fueconorg-12029	176	21	)	)	PUNCT
fueconorg-12029	176	22	residuals	residual	NOUN
fueconorg-12029	176	23	from	from	ADP
fueconorg-12029	176	24	the	the	DET
fueconorg-12029	176	25	regression	regression	NOUN
fueconorg-12029	176	26	model	model	NOUN
fueconorg-12029	176	27	source	source	NOUN
fueconorg-12029	176	28	ss	ss	PROPN
fueconorg-12029	176	29	df	df	PROPN
fueconorg-12029	176	30	ms	ms	NOUN
fueconorg-12029	176	31	number	number	NOUN
fueconorg-12029	176	32	of	of	ADP
fueconorg-12029	176	33	obs	obs	PROPN
fueconorg-12029	176	34	=	=	SYM
fueconorg-12029	176	35	72	72	NUM
fueconorg-12029	176	36	model	model	NOUN
fueconorg-12029	176	37	.03603943	.03603943	PROPN
fueconorg-12029	176	38	1	1	NUM
fueconorg-12029	177	1	.03603943	.03603943	X
fueconorg-12029	177	2	f(1	f(1	PROPN
fueconorg-12029	177	3	,	,	PUNCT
fueconorg-12029	177	4	70	70	NUM
fueconorg-12029	177	5	)	)	PUNCT
fueconorg-12029	177	6	=	=	SYM
fueconorg-12029	177	7	14671	14671	NUM
fueconorg-12029	177	8	residual	residual	ADJ
fueconorg-12029	177	9	.05298998	.05298998	PROPN
fueconorg-12029	178	1	70	70	NUM
fueconorg-12029	178	2	.01059799	.01059799	PUNCT
fueconorg-12029	179	1	prob	prob	NOUN
fueconorg-12029	180	1	f	f	X
fueconorg-12029	180	2	=	=	NOUN
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fueconorg-12029	180	5	.56593915	.56593915	PROPN
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fueconorg-12029	180	7	.02930714	.02930714	NOUN
fueconorg-12029	180	8	r	r	NOUN
fueconorg-12029	180	9	-	-	PUNCT
fueconorg-12029	180	10	squared	square	VERB
fueconorg-12029	180	11	=	=	PUNCT
fueconorg-12029	180	12	0.0637	0.0637	NUM
fueconorg-12029	180	13	adj	adj	NOUN
fueconorg-12029	180	14	r	r	NOUN
fueconorg-12029	180	15	-	-	PUNCT
fueconorg-12029	180	16	squared	square	VERB
fueconorg-12029	180	17	=	=	SYM
fueconorg-12029	180	18	0.0450	0.0450	NUM
fueconorg-12029	180	19	root	root	NOUN
fueconorg-12029	180	20	mse	mse	NOUN
fueconorg-12029	180	21	=	=	PUNCT
fueconorg-12029	180	22	.10295	.10295	PROPN
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fueconorg-12029	180	24	coef	coef	PROPN
fueconorg-12029	180	25	.	.	PUNCT
fueconorg-12029	181	1	std	std	NOUN
fueconorg-12029	181	2	.	.	PUNCT
fueconorg-12029	182	1	err	err	PROPN
fueconorg-12029	182	2	.	.	PUNCT
fueconorg-12029	182	3	t	t	PROPN
fueconorg-12029	182	4	pt	pt	PROPN
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fueconorg-12029	182	6	%	%	NOUN
fueconorg-12029	182	7	conf	conf	NOUN
fueconorg-12029	182	8	.	.	PUNCT
fueconorg-12029	183	1	interval	interval	PROPN
fueconorg-12029	183	2	l1	l1	PROPN
fueconorg-12029	183	3	-.2559271	-.2559271	PROPN
fueconorg-12029	183	4	.1387839	.1387839	PROPN
fueconorg-12029	183	5	-1.84	-1.84	NOUN
fueconorg-12029	183	6	0.071	0.071	NUM
fueconorg-12029	183	7	-.5346828	-.5346828	PUNCT
fueconorg-12029	183	8	.0228286	.0228286	PUNCT
fueconorg-12029	184	1	_	_	PRON
fueconorg-12029	184	2	cons	con	NOUN
fueconorg-12029	184	3	-.0017332	-.0017332	PUNCT
fueconorg-12029	184	4	.0142807	.0142807	PROPN
fueconorg-12029	184	5	-0.12	-0.12	NUM
fueconorg-12029	184	6	0.904	0.904	NUM
fueconorg-12029	184	7	-.0304168	-.0304168	NOUN
fueconorg-12029	184	8	.0269505	.0269505	PROPN
fueconorg-12029	184	9	source	source	NOUN
fueconorg-12029	184	10	:	:	PUNCT
fueconorg-12029	184	11	author	author	NOUN
fueconorg-12029	184	12	's	's	PART
fueconorg-12029	184	13	calculation	calculation	NOUN
fueconorg-12029	184	14	based	base	VERB
fueconorg-12029	184	15	on	on	ADP
fueconorg-12029	184	16	the	the	DET
fueconorg-12029	184	17	nbs	nbs	PROPN
fueconorg-12029	184	18	data	datum	NOUN
fueconorg-12029	184	19	for	for	ADP
fueconorg-12029	184	20	the	the	DET
fueconorg-12029	184	21	period	period	NOUN
fueconorg-12029	184	22	2005	2005	NUM
fueconorg-12029	184	23	-	-	SYM
fueconorg-12029	184	24	2022	2022	NUM
fueconorg-12029	184	25	the	the	DET
fueconorg-12029	184	26	ar(i	ar(i	NOUN
fueconorg-12029	184	27	)	)	PUNCT
fueconorg-12029	184	28	model	model	NOUN
fueconorg-12029	184	29	of	of	ADP
fueconorg-12029	184	30	the	the	DET
fueconorg-12029	184	31	residuals	residual	NOUN
fueconorg-12029	184	32	has	have	VERB
fueconorg-12029	184	33	a	a	DET
fueconorg-12029	184	34	low	low	ADJ
fueconorg-12029	184	35	explanatory	explanatory	ADJ
fueconorg-12029	184	36	power	power	NOUN
fueconorg-12029	184	37	of	of	ADP
fueconorg-12029	184	38	4.5	4.5	NUM
fueconorg-12029	184	39	%	%	NOUN
fueconorg-12029	184	40	,	,	PUNCT
fueconorg-12029	184	41	and	and	CCONJ
fueconorg-12029	184	42	an	an	DET
fueconorg-12029	184	43	f	f	NOUN
fueconorg-12029	184	44	-	-	PUNCT
fueconorg-12029	184	45	value	value	NOUN
fueconorg-12029	184	46	of	of	ADP
fueconorg-12029	184	47	0.07	0.07	NUM
fueconorg-12029	184	48	indicates	indicate	VERB
fueconorg-12029	184	49	that	that	SCONJ
fueconorg-12029	184	50	it	it	PRON
fueconorg-12029	184	51	is	be	AUX
fueconorg-12029	184	52	not	not	PART
fueconorg-12029	184	53	statistically	statistically	ADV
fueconorg-12029	184	54	significant	significant	ADJ
fueconorg-12029	184	55	.	.	PUNCT
fueconorg-12029	185	1	if	if	SCONJ
fueconorg-12029	185	2	we	we	PRON
fueconorg-12029	185	3	disregard	disregard	VERB
fueconorg-12029	185	4	the	the	DET
fueconorg-12029	185	5	previous	previous	ADJ
fueconorg-12029	185	6	finding	finding	NOUN
fueconorg-12029	185	7	,	,	PUNCT
fueconorg-12029	185	8	it	it	PRON
fueconorg-12029	185	9	is	be	AUX
fueconorg-12029	185	10	clear	clear	ADJ
fueconorg-12029	185	11	that	that	SCONJ
fueconorg-12029	185	12	there	there	PRON
fueconorg-12029	185	13	is	be	VERB
fueconorg-12029	185	14	a	a	DET
fueconorg-12029	185	15	negative	negative	ADJ
fueconorg-12029	185	16	correlation	correlation	NOUN
fueconorg-12029	185	17	,	,	PUNCT
fueconorg-12029	185	18	as	as	SCONJ
fueconorg-12029	185	19	the	the	DET
fueconorg-12029	185	20	l1	l1	PROPN
fueconorg-12029	185	21	predictor	predictor	NOUN
fueconorg-12029	185	22	(	(	PUNCT
fueconorg-12029	185	23	the	the	DET
fueconorg-12029	185	24	time	time	NOUN
fueconorg-12029	185	25	series	series	NOUN
fueconorg-12029	185	26	with	with	ADP
fueconorg-12029	185	27	a	a	DET
fueconorg-12029	185	28	lag	lag	NOUN
fueconorg-12029	185	29	of	of	ADP
fueconorg-12029	185	30	1	1	NUM
fueconorg-12029	185	31	)	)	PUNCT
fueconorg-12029	185	32	has	have	VERB
fueconorg-12029	185	33	a	a	DET
fueconorg-12029	185	34	negative	negative	ADJ
fueconorg-12029	185	35	sign	sign	NOUN
fueconorg-12029	185	36	.	.	PUNCT
fueconorg-12029	186	1	therefore	therefore	ADV
fueconorg-12029	186	2	,	,	PUNCT
fueconorg-12029	186	3	it	it	PRON
fueconorg-12029	186	4	is	be	AUX
fueconorg-12029	186	5	necessary	necessary	ADJ
fueconorg-12029	186	6	to	to	PART
fueconorg-12029	186	7	determine	determine	VERB
fueconorg-12029	186	8	whether	whether	SCONJ
fueconorg-12029	186	9	there	there	PRON
fueconorg-12029	186	10	is	be	VERB
fueconorg-12029	186	11	a	a	DET
fueconorg-12029	186	12	significant	significant	ADJ
fueconorg-12029	186	13	correlation	correlation	NOUN
fueconorg-12029	186	14	using	use	VERB
fueconorg-12029	186	15	the	the	DET
fueconorg-12029	186	16	breusch	breusch	ADJ
fueconorg-12029	186	17	-	-	PUNCT
fueconorg-12029	186	18	godfrey	godfrey	NOUN
fueconorg-12029	186	19	test	test	NOUN
fueconorg-12029	186	20	.	.	PUNCT
fueconorg-12029	187	1	the	the	DET
fueconorg-12029	187	2	linear	linear	ADJ
fueconorg-12029	187	3	regression	regression	NOUN
fueconorg-12029	187	4	equation	equation	NOUN
fueconorg-12029	187	5	is	be	AUX
fueconorg-12029	187	6	yt	yt	NOUN
fueconorg-12029	187	7	=	=	PUNCT
fueconorg-12029	187	8	1	1	NOUN
fueconorg-12029	187	9	+	+	CCONJ
fueconorg-12029	187	10	2xt,2	2xt,2	NOUN
fueconorg-12029	187	11	+	+	NUM
fueconorg-12029	187	12	3xt,3	3xt,3	NOUN
fueconorg-12029	187	13	+	+	NUM
fueconorg-12029	187	14	t	t	PROPN
fueconorg-12029	187	15	(	(	PUNCT
fueconorg-12029	187	16	8)	8)	NUM
fueconorg-12029	187	17	and	and	CCONJ
fueconorg-12029	187	18	the	the	DET
fueconorg-12029	187	19	random	random	ADJ
fueconorg-12029	187	20	errors	error	NOUN
fueconorg-12029	187	21	that	that	PRON
fueconorg-12029	187	22	follow	follow	VERB
fueconorg-12029	187	23	the	the	DET
fueconorg-12029	187	24	autoregressive	autoregressive	ADJ
fueconorg-12029	187	25	pattern	pattern	NOUN
fueconorg-12029	187	26	of	of	ADP
fueconorg-12029	187	27	(	(	PUNCT
fueconorg-12029	187	28	ρ	ρ	NOUN
fueconorg-12029	187	29	)	)	PUNCT
fueconorg-12029	187	30	order	order	NOUN
fueconorg-12029	187	31	are	be	AUX
fueconorg-12029	187	32	displayed	display	VERB
fueconorg-12029	187	33	as	as	SCONJ
fueconorg-12029	187	34	follows	follow	VERB
fueconorg-12029	187	35	t	t	PROPN
fueconorg-12029	187	36	=	=	PUNCT
fueconorg-12029	187	37	1t-1	1t-1	PROPN
fueconorg-12029	187	38	+	+	CCONJ
fueconorg-12029	187	39	2t-2	2t-2	PROPN
fueconorg-12029	187	40	+	+	NOUN
fueconorg-12029	187	41	…	…	PUNCT
fueconorg-12029	187	42	+	+	NUM
fueconorg-12029	187	43	t-	t-	PROPN
fueconorg-12029	187	44	+	+	X
fueconorg-12029	187	45	t	t	X
fueconorg-12029	187	46	(	(	PUNCT
fueconorg-12029	187	47	9	9	NUM
fueconorg-12029	187	48	)	)	PUNCT
fueconorg-12029	187	49	based	base	VERB
fueconorg-12029	187	50	on	on	ADP
fueconorg-12029	187	51	the	the	DET
fueconorg-12029	187	52	previous	previous	ADJ
fueconorg-12029	187	53	statements	statement	NOUN
fueconorg-12029	187	54	,	,	PUNCT
fueconorg-12029	187	55	we	we	PRON
fueconorg-12029	187	56	can	can	AUX
fueconorg-12029	187	57	say	say	VERB
fueconorg-12029	187	58	that	that	SCONJ
fueconorg-12029	187	59	it	it	PRON
fueconorg-12029	187	60	is	be	AUX
fueconorg-12029	187	61	possible	possible	ADJ
fueconorg-12029	187	62	to	to	PART
fueconorg-12029	187	63	fit	fit	VERB
fueconorg-12029	187	64	the	the	DET
fueconorg-12029	187	65	regression	regression	NOUN
fueconorg-12029	187	66	model	model	NOUN
fueconorg-12029	187	67	using	use	VERB
fueconorg-12029	187	68	the	the	DET
fueconorg-12029	187	69	least	least	ADJ
fueconorg-12029	187	70	squares	square	NOUN
fueconorg-12029	187	71	method	method	NOUN
fueconorg-12029	187	72	and	and	CCONJ
fueconorg-12029	187	73	obtain	obtain	VERB
fueconorg-12029	187	74	a	a	DET
fueconorg-12029	187	75	set	set	NOUN
fueconorg-12029	187	76	of	of	ADP
fueconorg-12029	187	77	residuals	residual	NOUN
fueconorg-12029	187	78	based	base	VERB
fueconorg-12029	187	79	on	on	ADP
fueconorg-12029	187	80	which	which	PRON
fueconorg-12029	187	81	the	the	DET
fueconorg-12029	187	82	following	follow	VERB
fueconorg-12029	187	83	pattern	pattern	NOUN
fueconorg-12029	187	84	is	be	AUX
fueconorg-12029	187	85	obtained	obtain	VERB
fueconorg-12029	187	86	ût	ût	ADP
fueconorg-12029	187	87	=	=	X
fueconorg-12029	187	88	1ût-1	1ût-1	X
fueconorg-12029	188	1	+	+	NOUN
fueconorg-12029	188	2	…	…	PUNCT
fueconorg-12029	188	3	+	+	NUM
fueconorg-12029	188	4	ût-	ût-	ADJ
fueconorg-12029	188	5	+	+	NUM
fueconorg-12029	188	6	1x1	1x1	PROPN
fueconorg-12029	188	7	t	t	NOUN
fueconorg-12029	188	8	+	+	NUM
fueconorg-12029	188	9	kxkt	kxkt	NOUN
fueconorg-12029	188	10	+	+	X
fueconorg-12029	188	11	t	t	X
fueconorg-12029	188	12	(	(	PUNCT
fueconorg-12029	188	13	10	10	NUM
fueconorg-12029	188	14	)	)	PUNCT
fueconorg-12029	188	15	which	which	PRON
fueconorg-12029	188	16	represents	represent	VERB
fueconorg-12029	188	17	the	the	DET
fueconorg-12029	188	18	regression	regression	NOUN
fueconorg-12029	188	19	model	model	NOUN
fueconorg-12029	188	20	of	of	ADP
fueconorg-12029	188	21	the	the	DET
fueconorg-12029	188	22	residuals	residual	NOUN
fueconorg-12029	188	23	and	and	CCONJ
fueconorg-12029	188	24	the	the	DET
fueconorg-12029	188	25	original	original	ADJ
fueconorg-12029	188	26	structural	structural	ADJ
fueconorg-12029	188	27	predictors	predictor	NOUN
fueconorg-12029	188	28	of	of	ADP
fueconorg-12029	188	29	the	the	DET
fueconorg-12029	188	30	initial	initial	ADJ
fueconorg-12029	188	31	regression	regression	NOUN
fueconorg-12029	188	32	.	.	PUNCT
fueconorg-12029	189	1	based	base	VERB
fueconorg-12029	189	2	on	on	ADP
fueconorg-12029	189	3	the	the	DET
fueconorg-12029	189	4	new	new	ADJ
fueconorg-12029	189	5	linear	linear	PROPN
fueconorg-12029	189	6	regression	regression	NOUN
fueconorg-12029	189	7	,	,	PUNCT
fueconorg-12029	189	8	the	the	DET
fueconorg-12029	189	9	null	null	ADJ
fueconorg-12029	189	10	hypothesis	hypothesis	NOUN
fueconorg-12029	189	11	is	be	AUX
fueconorg-12029	189	12	defined	define	VERB
fueconorg-12029	189	13	,	,	PUNCT
fueconorg-12029	189	14	which	which	PRON
fueconorg-12029	189	15	ho	ho	X
fueconorg-12029	189	16	:	:	PUNCT
fueconorg-12029	189	17	1	1	PROPN
fueconorg-12029	189	18	=	=	SYM
fueconorg-12029	189	19	2	2	NOUN
fueconorg-12029	189	20	=	=	PUNCT
fueconorg-12029	190	1	3	3	ADP
fueconorg-12029	190	2	=	=	PUNCT
fueconorg-12029	190	3			NOUN
fueconorg-12029	190	4	=	=	SYM
fueconorg-12029	190	5	0	0	NUM
fueconorg-12029	190	6	(	(	PUNCT
fueconorg-12029	190	7	11	11	NUM
fueconorg-12029	190	8	)	)	PUNCT
fueconorg-12029	190	9	is	be	AUX
fueconorg-12029	190	10	tested	test	VERB
fueconorg-12029	190	11	using	use	VERB
fueconorg-12029	190	12	a	a	DET
fueconorg-12029	190	13	statistical	statistical	ADJ
fueconorg-12029	190	14	test	test	NOUN
fueconorg-12029	190	15	of	of	ADP
fueconorg-12029	190	16	the	the	DET
fueconorg-12029	190	17	form	form	NOUN
fueconorg-12029	190	18	:	:	PUNCT
fueconorg-12029	190	19	n	n	PROPN
fueconorg-12029	190	20	x	x	PUNCT
fueconorg-12029	190	21	r2	r2	PROPN
fueconorg-12029	190	22	x	x	X
fueconorg-12029	190	23			X
fueconorg-12029	190	24	2	2	NUM
fueconorg-12029	190	25	(	(	PUNCT
fueconorg-12029	190	26	12	12	NUM
fueconorg-12029	190	27	)	)	PUNCT
fueconorg-12029	190	28	where	where	SCONJ
fueconorg-12029	190	29	n	n	X
fueconorg-12029	190	30	–	–	PUNCT
fueconorg-12029	190	31	is	be	AUX
fueconorg-12029	190	32	the	the	DET
fueconorg-12029	190	33	number	number	NOUN
fueconorg-12029	190	34	of	of	ADP
fueconorg-12029	190	35	samples	sample	NOUN
fueconorg-12029	190	36	;	;	PUNCT
fueconorg-12029	190	37	𝜒𝑝2	𝜒𝑝2	NOUN
fueconorg-12029	190	38	lagrange	lagrange	PROPN
fueconorg-12029	190	39	multiplier	multiplier	ADV
fueconorg-12029	190	40	in	in	ADP
fueconorg-12029	190	41	the	the	DET
fueconorg-12029	190	42	form	form	NOUN
fueconorg-12029	190	43	of	of	ADP
fueconorg-12029	190	44	a	a	DET
fueconorg-12029	190	45	χ²	χ²	NOUN
fueconorg-12029	190	46	test	test	VERB
fueconorg-12029	190	47	with	with	ADP
fueconorg-12029	190	48	p	p	NOUN
fueconorg-12029	190	49	degrees	degree	NOUN
fueconorg-12029	190	50	of	of	ADP
fueconorg-12029	190	51	freedom	freedom	NOUN
fueconorg-12029	190	52	;	;	PUNCT
fueconorg-12029	190	53	p	p	NOUN
fueconorg-12029	190	54	–	–	PUNCT
fueconorg-12029	190	55	number	number	NOUN
fueconorg-12029	190	56	of	of	ADP
fueconorg-12029	190	57	lags	lag	NOUN
fueconorg-12029	190	58	in	in	ADP
fueconorg-12029	190	59	the	the	DET
fueconorg-12029	190	60	autoregressive	autoregressive	ADJ
fueconorg-12029	190	61	model	model	NOUN
fueconorg-12029	190	62	the	the	DET
fueconorg-12029	190	63	results	result	NOUN
fueconorg-12029	190	64	of	of	ADP
fueconorg-12029	190	65	the	the	DET
fueconorg-12029	190	66	additional	additional	ADJ
fueconorg-12029	190	67	second	second	ADJ
fueconorg-12029	190	68	-	-	PUNCT
fueconorg-12029	190	69	order	order	NOUN
fueconorg-12029	190	70	autoregressive	autoregressive	ADJ
fueconorg-12029	190	71	model	model	NOUN
fueconorg-12029	190	72	are	be	AUX
fueconorg-12029	190	73	presented	present	VERB
fueconorg-12029	190	74	in	in	ADP
fueconorg-12029	190	75	table	table	NOUN
fueconorg-12029	190	76	7	7	NUM
fueconorg-12029	190	77	.	.	PUNCT
fueconorg-12029	191	1	the	the	DET
fueconorg-12029	191	2	coefficients	coefficient	NOUN
fueconorg-12029	191	3	of	of	ADP
fueconorg-12029	191	4	the	the	DET
fueconorg-12029	191	5	l1	l1	PROPN
fueconorg-12029	191	6	and	and	CCONJ
fueconorg-12029	191	7	l2	l2	NOUN
fueconorg-12029	191	8	predictors	predictor	NOUN
fueconorg-12029	191	9	,	,	PUNCT
fueconorg-12029	191	10	as	as	SCONJ
fueconorg-12029	191	11	first	first	ADJ
fueconorg-12029	191	12	and	and	CCONJ
fueconorg-12029	191	13	second	second	ADJ
fueconorg-12029	191	14	-	-	PUNCT
fueconorg-12029	191	15	order	order	NOUN
fueconorg-12029	191	16	lags	lag	NOUN
fueconorg-12029	191	17	of	of	ADP
fueconorg-12029	191	18	the	the	DET
fueconorg-12029	191	19	residuals	residual	NOUN
fueconorg-12029	191	20	,	,	PUNCT
fueconorg-12029	191	21	are	be	AUX
fueconorg-12029	191	22	not	not	PART
fueconorg-12029	191	23	equal	equal	ADJ
fueconorg-12029	191	24	to	to	ADP
fueconorg-12029	191	25	zero	zero	NUM
fueconorg-12029	191	26	.	.	PUNCT
fueconorg-12029	192	1	the	the	DET
fueconorg-12029	192	2	number	number	NOUN
fueconorg-12029	192	3	of	of	ADP
fueconorg-12029	192	4	observations	observation	NOUN
fueconorg-12029	192	5	in	in	ADP
fueconorg-12029	192	6	the	the	DET
fueconorg-12029	192	7	model	model	NOUN
fueconorg-12029	192	8	is	be	AUX
fueconorg-12029	192	9	72	72	NUM
fueconorg-12029	192	10	,	,	PUNCT
fueconorg-12029	192	11	the	the	DET
fueconorg-12029	192	12	r²	r²	NOUN
fueconorg-12029	192	13	parameter	parameter	NOUN
fueconorg-12029	192	14	value	value	NOUN
fueconorg-12029	192	15	is	be	AUX
fueconorg-12029	192	16	0.1187	0.1187	NUM
fueconorg-12029	192	17	,	,	PUNCT
fueconorg-12029	192	18	and	and	CCONJ
fueconorg-12029	192	19	the	the	DET
fueconorg-12029	192	20	value	value	NOUN
fueconorg-12029	192	21	of	of	ADP
fueconorg-12029	192	22	the	the	DET
fueconorg-12029	192	23	degrees	degree	NOUN
fueconorg-12029	192	24	of	of	ADP
fueconorg-12029	192	25	freedom	freedom	NOUN
fueconorg-12029	192	26	is	be	AUX
fueconorg-12029	192	27	2	2	NUM
fueconorg-12029	192	28	(	(	PUNCT
fueconorg-12029	192	29	given	give	VERB
fueconorg-12029	192	30	that	that	SCONJ
fueconorg-12029	192	31	an	an	DET
fueconorg-12029	192	32	ar(ii	ar(ii	NOUN
fueconorg-12029	192	33	)	)	PUNCT
fueconorg-12029	192	34	has	have	AUX
fueconorg-12029	192	35	been	be	AUX
fueconorg-12029	192	36	performed	perform	VERB
fueconorg-12029	192	37	)	)	PUNCT
fueconorg-12029	192	38	.	.	PUNCT
fueconorg-12029	193	1	based	base	VERB
fueconorg-12029	193	2	on	on	ADP
fueconorg-12029	193	3	these	these	DET
fueconorg-12029	193	4	parameters	parameter	NOUN
fueconorg-12029	193	5	,	,	PUNCT
fueconorg-12029	193	6	statistical	statistical	ADJ
fueconorg-12029	193	7	testing	testing	NOUN
fueconorg-12029	193	8	was	be	AUX
fueconorg-12029	193	9	conducted	conduct	VERB
fueconorg-12029	193	10	,	,	PUNCT
fueconorg-12029	193	11	and	and	CCONJ
fueconorg-12029	193	12	it	it	PRON
fueconorg-12029	193	13	was	be	AUX
fueconorg-12029	193	14	determined	determine	VERB
fueconorg-12029	193	15	that	that	SCONJ
fueconorg-12029	193	16	the	the	DET
fueconorg-12029	193	17	value	value	NOUN
fueconorg-12029	193	18	of	of	ADP
fueconorg-12029	193	19	𝜒²	𝜒²	PROPN
fueconorg-12029	193	20	with	with	ADP
fueconorg-12029	193	21	two	two	NUM
fueconorg-12029	193	22	degrees	degree	NOUN
fueconorg-12029	193	23	of	of	ADP
fueconorg-12029	193	24	freedom	freedom	NOUN
fueconorg-12029	193	25	at	at	ADP
fueconorg-12029	193	26	the	the	DET
fueconorg-12029	193	27	1	1	NUM
fueconorg-12029	193	28	%	%	NOUN
fueconorg-12029	193	29	level	level	NOUN
fueconorg-12029	193	30	is	be	AUX
fueconorg-12029	193	31	9.526	9.526	NUM
fueconorg-12029	193	32	.	.	PUNCT
fueconorg-12029	194	1	the	the	DET
fueconorg-12029	194	2	critical	critical	ADJ
fueconorg-12029	194	3	value	value	NOUN
fueconorg-12029	194	4	from	from	ADP
fueconorg-12029	194	5	the	the	DET
fueconorg-12029	194	6	tables	table	NOUN
fueconorg-12029	194	7	is	be	AUX
fueconorg-12029	194	8	9.21	9.21	NUM
fueconorg-12029	194	9	,	,	PUNCT
fueconorg-12029	194	10	thus	thus	ADV
fueconorg-12029	194	11	the	the	DET
fueconorg-12029	194	12	null	null	ADJ
fueconorg-12029	194	13	hypothesis	hypothesis	NOUN
fueconorg-12029	194	14	of	of	ADP
fueconorg-12029	194	15	no	no	DET
fueconorg-12029	194	16	significant	significant	ADJ
fueconorg-12029	194	17	autocorrelation	autocorrelation	NOUN
fueconorg-12029	194	18	can	can	AUX
fueconorg-12029	194	19	not	not	PART
fueconorg-12029	194	20	be	be	AUX
fueconorg-12029	194	21	rejected	reject	VERB
fueconorg-12029	194	22	.	.	PUNCT
fueconorg-12029	195	1	risk	risk	NOUN
fueconorg-12029	195	2	factors	factor	NOUN
fueconorg-12029	195	3	for	for	ADP
fueconorg-12029	195	4	the	the	DET
fueconorg-12029	195	5	occurrence	occurrence	NOUN
fueconorg-12029	195	6	of	of	ADP
fueconorg-12029	195	7	claims	claim	NOUN
fueconorg-12029	195	8	and	and	CCONJ
fueconorg-12029	195	9	the	the	DET
fueconorg-12029	195	10	adequacy	adequacy	NOUN
fueconorg-12029	195	11	of	of	ADP
fueconorg-12029	195	12	non	non	ADJ
fueconorg-12029	195	13	-	-	ADJ
fueconorg-12029	195	14	life	life	ADJ
fueconorg-12029	195	15	insurance	insurance	NOUN
fueconorg-12029	195	16	premiums	premium	NOUN
fueconorg-12029	195	17	197	197	NUM
fueconorg-12029	195	18	table	table	NOUN
fueconorg-12029	195	19	7	7	NUM
fueconorg-12029	195	20	results	result	NOUN
fueconorg-12029	195	21	of	of	ADP
fueconorg-12029	195	22	the	the	DET
fueconorg-12029	195	23	additional	additional	ADJ
fueconorg-12029	195	24	second	second	ADJ
fueconorg-12029	195	25	-	-	PUNCT
fueconorg-12029	195	26	order	order	NOUN
fueconorg-12029	195	27	autoregressive	autoregressive	ADJ
fueconorg-12029	195	28	model	model	NOUN
fueconorg-12029	195	29	source	source	NOUN
fueconorg-12029	195	30	ss	ss	PROPN
fueconorg-12029	195	31	df	df	PROPN
fueconorg-12029	195	32	ms	ms	NOUN
fueconorg-12029	195	33	number	number	NOUN
fueconorg-12029	195	34	of	of	ADP
fueconorg-12029	195	35	obs	obs	PROPN
fueconorg-12029	195	36	=	=	SYM
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fueconorg-12029	195	43	)	)	PUNCT
fueconorg-12029	195	44	=	=	SYM
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fueconorg-12029	196	2	residual	residual	ADJ
fueconorg-12029	196	3	.49875107	.49875107	ADP
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fueconorg-12029	196	6	probf	probf	PROPN
fueconorg-12029	196	7	=	=	SYM
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fueconorg-12029	196	14	-	-	PUNCT
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fueconorg-12029	196	16	=	=	NOUN
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fueconorg-12029	196	18	adj	adj	NOUN
fueconorg-12029	196	19	r	r	NOUN
fueconorg-12029	196	20	-	-	PUNCT
fueconorg-12029	196	21	squared	square	VERB
fueconorg-12029	196	22	=	=	PUNCT
fueconorg-12029	196	23	-0.0015	-0.0015	NOUN
fueconorg-12029	196	24	root	root	PROPN
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fueconorg-12029	196	26	=	=	SYM
fueconorg-12029	196	27	.10647	.10647	PROPN
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fueconorg-12029	198	5	%	%	NOUN
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fueconorg-12029	199	21	-.2717220	-.2717220	NOUN
fueconorg-12029	199	22	.3217378	.3217378	NOUN
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fueconorg-12029	201	3	-.5968396	-.5968396	PUNCT
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fueconorg-12029	201	7	.2333387	.2333387	NOUN
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fueconorg-12029	201	11	.4166483	.4166483	PROPN
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fueconorg-12029	201	17	-.9041304	-.9041304	NOUN
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fueconorg-12029	202	8	-.0331541	-.0331541	SYM
fueconorg-12029	202	9	.0270397	.0270397	PROPN
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fueconorg-12029	202	16	on	on	ADP
fueconorg-12029	202	17	the	the	DET
fueconorg-12029	202	18	nbs	nbs	PROPN
fueconorg-12029	202	19	data	datum	NOUN
fueconorg-12029	202	20	for	for	ADP
fueconorg-12029	202	21	the	the	DET
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fueconorg-12029	202	23	2005	2005	NUM
fueconorg-12029	202	24	-	-	SYM
fueconorg-12029	202	25	2022	2022	NUM
fueconorg-12029	202	26	heteroscedasticity	heteroscedasticity	NOUN
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fueconorg-12029	202	30	model	model	NOUN
fueconorg-12029	202	31	is	be	AUX
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fueconorg-12029	202	34	the	the	DET
fueconorg-12029	202	35	breusch	breusch	NOUN
fueconorg-12029	202	36	-	-	PUNCT
fueconorg-12029	202	37	pagan	pagan	ADJ
fueconorg-12029	202	38	and	and	CCONJ
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fueconorg-12029	202	40	’s	’s	PART
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fueconorg-12029	202	42	.	.	PUNCT
fueconorg-12029	203	1	the	the	DET
fueconorg-12029	203	2	results	result	NOUN
fueconorg-12029	203	3	of	of	ADP
fueconorg-12029	203	4	the	the	DET
fueconorg-12029	203	5	tests	test	NOUN
fueconorg-12029	203	6	are	be	AUX
fueconorg-12029	203	7	presented	present	VERB
fueconorg-12029	203	8	in	in	ADP
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fueconorg-12029	203	10	8	8	NUM
fueconorg-12029	203	11	.	.	PUNCT
fueconorg-12029	204	1	both	both	DET
fueconorg-12029	204	2	tests	test	NOUN
fueconorg-12029	204	3	indicate	indicate	VERB
fueconorg-12029	204	4	that	that	SCONJ
fueconorg-12029	204	5	at	at	ADP
fueconorg-12029	204	6	a	a	DET
fueconorg-12029	204	7	significance	significance	NOUN
fueconorg-12029	204	8	level	level	NOUN
fueconorg-12029	204	9	of	of	ADP
fueconorg-12029	204	10	1	1	NUM
fueconorg-12029	204	11	%	%	NOUN
fueconorg-12029	204	12	,	,	PUNCT
fueconorg-12029	204	13	the	the	DET
fueconorg-12029	204	14	null	null	ADJ
fueconorg-12029	204	15	hypothesis	hypothesis	NOUN
fueconorg-12029	204	16	of	of	ADP
fueconorg-12029	204	17	homoscedasticity	homoscedasticity	NOUN
fueconorg-12029	204	18	of	of	ADP
fueconorg-12029	204	19	the	the	DET
fueconorg-12029	204	20	regression	regression	NOUN
fueconorg-12029	204	21	model	model	NOUN
fueconorg-12029	204	22	can	can	AUX
fueconorg-12029	204	23	not	not	PART
fueconorg-12029	204	24	be	be	AUX
fueconorg-12029	204	25	rejected	reject	VERB
fueconorg-12029	204	26	.	.	PUNCT
fueconorg-12029	205	1	table	table	NOUN
fueconorg-12029	205	2	8	8	NUM
fueconorg-12029	205	3	heteroscedasticity	heteroscedasticity	NOUN
fueconorg-12029	205	4	tests	test	NOUN
fueconorg-12029	205	5	results	result	VERB
fueconorg-12029	205	6	test	test	NOUN
fueconorg-12029	205	7	name	name	PROPN
fueconorg-12029	205	8	white	white	PROPN
fueconorg-12029	205	9	bp	bp	PROPN
fueconorg-12029	205	10	value	value	NOUN
fueconorg-12029	205	11	chi2(14)14.59	chi2(14)14.59	NOUN
fueconorg-12029	205	12	f(4.68)2.49	f(4.68)2.49	NOUN
fueconorg-12029	205	13			ADP
fueconorg-12029	205	14	0.4069	0.4069	NUM
fueconorg-12029	205	15	0.0555	0.0555	NUM
fueconorg-12029	205	16	source	source	NOUN
fueconorg-12029	205	17	:	:	PUNCT
fueconorg-12029	205	18	author	author	NOUN
fueconorg-12029	205	19	's	's	PART
fueconorg-12029	205	20	calculation	calculation	NOUN
fueconorg-12029	205	21	based	base	VERB
fueconorg-12029	205	22	on	on	ADP
fueconorg-12029	205	23	the	the	DET
fueconorg-12029	205	24	nbs	nbs	PROPN
fueconorg-12029	205	25	data	datum	NOUN
fueconorg-12029	205	26	for	for	ADP
fueconorg-12029	205	27	the	the	DET
fueconorg-12029	205	28	period	period	NOUN
fueconorg-12029	205	29	2005	2005	NUM
fueconorg-12029	205	30	-	-	SYM
fueconorg-12029	205	31	2022	2022	NUM
fueconorg-12029	205	32	based	base	VERB
fueconorg-12029	205	33	on	on	ADP
fueconorg-12029	205	34	the	the	DET
fueconorg-12029	205	35	data	datum	NOUN
fueconorg-12029	205	36	from	from	ADP
fueconorg-12029	205	37	the	the	DET
fueconorg-12029	205	38	initial	initial	ADJ
fueconorg-12029	205	39	regression	regression	NOUN
fueconorg-12029	205	40	model	model	NOUN
fueconorg-12029	205	41	,	,	PUNCT
fueconorg-12029	205	42	as	as	ADV
fueconorg-12029	205	43	well	well	ADV
fueconorg-12029	205	44	as	as	ADP
fueconorg-12029	205	45	the	the	DET
fueconorg-12029	205	46	evidence	evidence	NOUN
fueconorg-12029	205	47	of	of	ADP
fueconorg-12029	205	48	meeting	meet	VERB
fueconorg-12029	205	49	the	the	DET
fueconorg-12029	205	50	conditions	condition	NOUN
fueconorg-12029	205	51	,	,	PUNCT
fueconorg-12029	205	52	the	the	DET
fueconorg-12029	205	53	following	follow	VERB
fueconorg-12029	205	54	equation	equation	NOUN
fueconorg-12029	205	55	can	can	AUX
fueconorg-12029	205	56	be	be	AUX
fueconorg-12029	205	57	formed	form	VERB
fueconorg-12029	205	58	dln_prem_l2	dln_prem_l2	PROPN
fueconorg-12029	205	59	=	=	NOUN
fueconorg-12029	205	60	0.78	0.78	NUM
fueconorg-12029	205	61	x	x	SYM
fueconorg-12029	205	62	r_rez	r_rez	NOUN
fueconorg-12029	205	63	–	–	PUNCT
fueconorg-12029	205	64	0.618	0.618	NUM
fueconorg-12029	205	65	x	x	PUNCT
fueconorg-12029	205	66	r_prib	r_prib	PROPN
fueconorg-12029	205	67	+	+	NOUN
fueconorg-12029	205	68	1.445	1.445	NUM
fueconorg-12029	205	69	x	x	SYM
fueconorg-12029	205	70	r_org	r_org	NOUN
fueconorg-12029	205	71	+	+	X
fueconorg-12029	205	72	μt	μt	NOUN
fueconorg-12029	205	73	(	(	PUNCT
fueconorg-12029	205	74	13	13	NUM
fueconorg-12029	205	75	)	)	PUNCT
fueconorg-12029	205	76	based	base	VERB
fueconorg-12029	205	77	on	on	ADP
fueconorg-12029	205	78	this	this	DET
fueconorg-12029	205	79	equation	equation	NOUN
fueconorg-12029	205	80	,	,	PUNCT
fueconorg-12029	205	81	it	it	PRON
fueconorg-12029	205	82	can	can	AUX
fueconorg-12029	205	83	be	be	AUX
fueconorg-12029	205	84	concluded	conclude	VERB
fueconorg-12029	205	85	that	that	SCONJ
fueconorg-12029	205	86	the	the	DET
fueconorg-12029	205	87	premium	premium	NOUN
fueconorg-12029	205	88	for	for	ADP
fueconorg-12029	205	89	liability	liability	NOUN
fueconorg-12029	205	90	car	car	NOUN
fueconorg-12029	205	91	insurance	insurance	NOUN
fueconorg-12029	205	92	is	be	AUX
fueconorg-12029	205	93	significantly	significantly	ADV
fueconorg-12029	205	94	influenced	influence	VERB
fueconorg-12029	205	95	by	by	ADP
fueconorg-12029	205	96	the	the	DET
fueconorg-12029	205	97	risk	risk	NOUN
fueconorg-12029	205	98	of	of	ADP
fueconorg-12029	205	99	reserves	reserve	NOUN
fueconorg-12029	205	100	,	,	PUNCT
fueconorg-12029	205	101	the	the	DET
fueconorg-12029	205	102	risk	risk	NOUN
fueconorg-12029	205	103	of	of	ADP
fueconorg-12029	205	104	acquisition	acquisition	NOUN
fueconorg-12029	205	105	,	,	PUNCT
fueconorg-12029	205	106	and	and	CCONJ
fueconorg-12029	205	107	the	the	DET
fueconorg-12029	205	108	organizational	organizational	ADJ
fueconorg-12029	205	109	risk	risk	NOUN
fueconorg-12029	205	110	.	.	PUNCT
fueconorg-12029	206	1	this	this	DET
fueconorg-12029	206	2	influence	influence	NOUN
fueconorg-12029	206	3	is	be	AUX
fueconorg-12029	206	4	quantified	quantify	VERB
fueconorg-12029	206	5	by	by	ADP
fueconorg-12029	206	6	the	the	DET
fueconorg-12029	206	7	specified	specified	ADJ
fueconorg-12029	206	8	coefficients	coefficient	NOUN
fueconorg-12029	206	9	with	with	ADP
fueconorg-12029	206	10	a	a	DET
fueconorg-12029	206	11	lag	lag	NOUN
fueconorg-12029	206	12	effect	effect	NOUN
fueconorg-12029	206	13	of	of	ADP
fueconorg-12029	206	14	two	two	NUM
fueconorg-12029	206	15	quarters	quarter	NOUN
fueconorg-12029	206	16	,	,	PUNCT
fueconorg-12029	206	17	or	or	CCONJ
fueconorg-12029	206	18	half	half	DET
fueconorg-12029	206	19	a	a	DET
fueconorg-12029	206	20	year	year	NOUN
fueconorg-12029	206	21	.	.	PUNCT
fueconorg-12029	207	1	examining	examine	VERB
fueconorg-12029	207	2	the	the	DET
fueconorg-12029	207	3	coefficients	coefficient	NOUN
fueconorg-12029	207	4	reveals	reveal	VERB
fueconorg-12029	207	5	an	an	DET
fueconorg-12029	207	6	inconsistency	inconsistency	NOUN
fueconorg-12029	207	7	.	.	PUNCT
fueconorg-12029	208	1	the	the	DET
fueconorg-12029	208	2	coefficient	coefficient	NOUN
fueconorg-12029	208	3	for	for	ADP
fueconorg-12029	208	4	the	the	DET
fueconorg-12029	208	5	acquisition	acquisition	NOUN
fueconorg-12029	208	6	risk	risk	NOUN
fueconorg-12029	208	7	(	(	PUNCT
fueconorg-12029	208	8	r_prib	r_prib	PROPN
fueconorg-12029	208	9	)	)	PUNCT
fueconorg-12029	208	10	has	have	VERB
fueconorg-12029	208	11	a	a	DET
fueconorg-12029	208	12	negative	negative	ADJ
fueconorg-12029	208	13	sign	sign	NOUN
fueconorg-12029	208	14	,	,	PUNCT
fueconorg-12029	208	15	which	which	PRON
fueconorg-12029	208	16	contradicts	contradict	VERB
fueconorg-12029	208	17	the	the	DET
fueconorg-12029	208	18	fundamental	fundamental	ADJ
fueconorg-12029	208	19	logic	logic	NOUN
fueconorg-12029	208	20	and	and	CCONJ
fueconorg-12029	208	21	principles	principle	NOUN
fueconorg-12029	208	22	of	of	ADP
fueconorg-12029	208	23	insurance	insurance	NOUN
fueconorg-12029	208	24	.	.	PUNCT
fueconorg-12029	209	1	specifically	specifically	ADV
fueconorg-12029	209	2	,	,	PUNCT
fueconorg-12029	209	3	an	an	DET
fueconorg-12029	209	4	increase	increase	NOUN
fueconorg-12029	209	5	in	in	ADP
fueconorg-12029	209	6	acquisition	acquisition	NOUN
fueconorg-12029	209	7	risk	risk	NOUN
fueconorg-12029	209	8	,	,	PUNCT
fueconorg-12029	209	9	defined	define	VERB
fueconorg-12029	209	10	as	as	ADP
fueconorg-12029	209	11	the	the	DET
fueconorg-12029	209	12	ratio	ratio	NOUN
fueconorg-12029	209	13	of	of	ADP
fueconorg-12029	209	14	settled	settle	VERB
fueconorg-12029	209	15	claims	claim	NOUN
fueconorg-12029	209	16	to	to	ADP
fueconorg-12029	209	17	collected	collect	VERB
fueconorg-12029	209	18	premiums	premium	NOUN
fueconorg-12029	209	19	,	,	PUNCT
fueconorg-12029	209	20	implies	imply	VERB
fueconorg-12029	209	21	either	either	CCONJ
fueconorg-12029	209	22	a	a	DET
fueconorg-12029	209	23	relative	relative	ADJ
fueconorg-12029	209	24	increase	increase	NOUN
fueconorg-12029	209	25	in	in	ADP
fueconorg-12029	209	26	the	the	DET
fueconorg-12029	209	27	amount	amount	NOUN
fueconorg-12029	209	28	of	of	ADP
fueconorg-12029	209	29	settled	settle	VERB
fueconorg-12029	209	30	claims	claim	NOUN
fueconorg-12029	209	31	or	or	CCONJ
fueconorg-12029	209	32	a	a	DET
fueconorg-12029	209	33	relative	relative	ADJ
fueconorg-12029	209	34	decrease	decrease	NOUN
fueconorg-12029	209	35	in	in	ADP
fueconorg-12029	209	36	the	the	DET
fueconorg-12029	209	37	amount	amount	NOUN
fueconorg-12029	209	38	of	of	ADP
fueconorg-12029	209	39	collected	collect	VERB
fueconorg-12029	209	40	premiums	premium	NOUN
fueconorg-12029	209	41	.	.	PUNCT
fueconorg-12029	210	1	this	this	DET
fueconorg-12029	210	2	inconsistency	inconsistency	NOUN
fueconorg-12029	210	3	may	may	AUX
fueconorg-12029	210	4	also	also	ADV
fueconorg-12029	210	5	arise	arise	VERB
fueconorg-12029	210	6	from	from	ADP
fueconorg-12029	210	7	how	how	SCONJ
fueconorg-12029	210	8	the	the	DET
fueconorg-12029	210	9	dependent	dependent	ADJ
fueconorg-12029	210	10	variable	variable	NOUN
fueconorg-12029	210	11	—	—	PUNCT
fueconorg-12029	210	12	the	the	DET
fueconorg-12029	210	13	liability	liability	NOUN
fueconorg-12029	210	14	car	car	NOUN
fueconorg-12029	210	15	insurance	insurance	NOUN
fueconorg-12029	210	16	premium	premium	NOUN
fueconorg-12029	210	17	—	—	PUNCT
fueconorg-12029	210	18	is	be	AUX
fueconorg-12029	210	19	presented	present	VERB
fueconorg-12029	210	20	,	,	PUNCT
fueconorg-12029	210	21	or	or	CCONJ
fueconorg-12029	210	22	from	from	ADP
fueconorg-12029	210	23	a	a	DET
fueconorg-12029	210	24	significant	significant	ADJ
fueconorg-12029	210	25	correlation	correlation	NOUN
fueconorg-12029	210	26	between	between	ADP
fueconorg-12029	210	27	the	the	DET
fueconorg-12029	210	28	predictor	predictor	NOUN
fueconorg-12029	210	29	r_prib	r_prib	PROPN
fueconorg-12029	210	30	and	and	CCONJ
fueconorg-12029	210	31	other	other	ADJ
fueconorg-12029	210	32	statistically	statistically	ADV
fueconorg-12029	210	33	significant	significant	ADJ
fueconorg-12029	210	34	predictors	predictor	NOUN
fueconorg-12029	210	35	in	in	ADP
fueconorg-12029	210	36	the	the	DET
fueconorg-12029	210	37	regression	regression	NOUN
fueconorg-12029	210	38	model	model	NOUN
fueconorg-12029	210	39	.	.	PUNCT
fueconorg-12029	211	1	the	the	DET
fueconorg-12029	211	2	first	first	ADJ
fueconorg-12029	211	3	explanation	explanation	NOUN
fueconorg-12029	211	4	stems	stem	VERB
fueconorg-12029	211	5	from	from	ADP
fueconorg-12029	211	6	the	the	DET
fueconorg-12029	211	7	fact	fact	NOUN
fueconorg-12029	211	8	that	that	SCONJ
fueconorg-12029	211	9	the	the	DET
fueconorg-12029	211	10	dependent	dependent	ADJ
fueconorg-12029	211	11	variable	variable	NOUN
fueconorg-12029	211	12	is	be	AUX
fueconorg-12029	211	13	denominated	denominate	VERB
fueconorg-12029	211	14	in	in	ADP
fueconorg-12029	211	15	euros	euro	NOUN
fueconorg-12029	211	16	and	and	CCONJ
fueconorg-12029	211	17	retains	retain	VERB
fueconorg-12029	211	18	its	its	PRON
fueconorg-12029	211	19	absolute	absolute	ADJ
fueconorg-12029	211	20	form	form	NOUN
fueconorg-12029	211	21	of	of	ADP
fueconorg-12029	211	22	representation	representation	NOUN
fueconorg-12029	211	23	.	.	PUNCT
fueconorg-12029	212	1	on	on	ADP
fueconorg-12029	212	2	the	the	DET
fueconorg-12029	212	3	other	other	ADJ
fueconorg-12029	212	4	hand	hand	NOUN
fueconorg-12029	212	5	,	,	PUNCT
fueconorg-12029	212	6	the	the	DET
fueconorg-12029	212	7	predictors	predictor	NOUN
fueconorg-12029	212	8	,	,	PUNCT
fueconorg-12029	212	9	while	while	SCONJ
fueconorg-12029	212	10	denominated	denominate	VERB
fueconorg-12029	212	11	in	in	ADP
fueconorg-12029	212	12	euros	euro	NOUN
fueconorg-12029	212	13	,	,	PUNCT
fueconorg-12029	212	14	are	be	AUX
fueconorg-12029	212	15	displayed	display	VERB
fueconorg-12029	212	16	in	in	ADP
fueconorg-12029	212	17	a	a	DET
fueconorg-12029	212	18	relative	relative	ADJ
fueconorg-12029	212	19	form	form	NOUN
fueconorg-12029	212	20	across	across	ADP
fueconorg-12029	212	21	198	198	NUM
fueconorg-12029	212	22	m.	m.	NOUN
fueconorg-12029	212	23	milutinović	milutinović	NOUN
fueconorg-12029	212	24	different	different	ADJ
fueconorg-12029	212	25	categories	category	NOUN
fueconorg-12029	212	26	of	of	ADP
fueconorg-12029	212	27	insurance	insurance	NOUN
fueconorg-12029	212	28	.	.	PUNCT
fueconorg-12029	213	1	thus	thus	ADV
fueconorg-12029	213	2	,	,	PUNCT
fueconorg-12029	213	3	the	the	DET
fueconorg-12029	213	4	euro	euro	NOUN
fueconorg-12029	213	5	denomination	denomination	NOUN
fueconorg-12029	213	6	serves	serve	VERB
fueconorg-12029	213	7	as	as	ADP
fueconorg-12029	213	8	a	a	DET
fueconorg-12029	213	9	scalar	scalar	ADJ
fueconorg-12029	213	10	,	,	PUNCT
fueconorg-12029	213	11	statistically	statistically	ADV
fueconorg-12029	213	12	having	have	VERB
fueconorg-12029	213	13	no	no	DET
fueconorg-12029	213	14	effect	effect	NOUN
fueconorg-12029	213	15	on	on	ADP
fueconorg-12029	213	16	the	the	DET
fueconorg-12029	213	17	structural	structural	ADJ
fueconorg-12029	213	18	change	change	NOUN
fueconorg-12029	213	19	of	of	ADP
fueconorg-12029	213	20	the	the	DET
fueconorg-12029	213	21	data	datum	NOUN
fueconorg-12029	213	22	.	.	PUNCT
fueconorg-12029	214	1	to	to	PART
fueconorg-12029	214	2	examine	examine	VERB
fueconorg-12029	214	3	the	the	DET
fueconorg-12029	214	4	impact	impact	NOUN
fueconorg-12029	214	5	of	of	ADP
fueconorg-12029	214	6	the	the	DET
fueconorg-12029	214	7	denomination	denomination	NOUN
fueconorg-12029	214	8	of	of	ADP
fueconorg-12029	214	9	the	the	DET
fueconorg-12029	214	10	dependent	dependent	ADJ
fueconorg-12029	214	11	variable	variable	NOUN
fueconorg-12029	214	12	's	's	PART
fueconorg-12029	214	13	value	value	NOUN
fueconorg-12029	214	14	,	,	PUNCT
fueconorg-12029	214	15	another	another	DET
fueconorg-12029	214	16	regression	regression	NOUN
fueconorg-12029	214	17	analysis	analysis	NOUN
fueconorg-12029	214	18	was	be	AUX
fueconorg-12029	214	19	conducted	conduct	VERB
fueconorg-12029	214	20	under	under	ADP
fueconorg-12029	214	21	the	the	DET
fueconorg-12029	214	22	same	same	ADJ
fueconorg-12029	214	23	assumptions	assumption	NOUN
fueconorg-12029	214	24	,	,	PUNCT
fueconorg-12029	214	25	with	with	ADP
fueconorg-12029	214	26	the	the	DET
fueconorg-12029	214	27	dependent	dependent	ADJ
fueconorg-12029	214	28	variable	variable	NOUN
fueconorg-12029	214	29	being	be	AUX
fueconorg-12029	214	30	the	the	DET
fueconorg-12029	214	31	liability	liability	NOUN
fueconorg-12029	214	32	car	car	NOUN
fueconorg-12029	214	33	insurance	insurance	NOUN
fueconorg-12029	214	34	premium	premium	NOUN
fueconorg-12029	214	35	expressed	express	VERB
fueconorg-12029	214	36	in	in	ADP
fueconorg-12029	214	37	the	the	DET
fueconorg-12029	214	38	national	national	ADJ
fueconorg-12029	214	39	currency	currency	NOUN
fueconorg-12029	214	40	(	(	PUNCT
fueconorg-12029	214	41	ln_premdin	ln_premdin	NOUN
fueconorg-12029	214	42	)	)	PUNCT
fueconorg-12029	214	43	.	.	PUNCT
fueconorg-12029	215	1	the	the	DET
fueconorg-12029	215	2	time	time	NOUN
fueconorg-12029	215	3	series	series	PROPN
fueconorg-12029	215	4	was	be	AUX
fueconorg-12029	215	5	made	make	VERB
fueconorg-12029	215	6	stationary	stationary	ADJ
fueconorg-12029	215	7	(	(	PUNCT
fueconorg-12029	215	8	stationary	stationary	ADJ
fueconorg-12029	215	9	at	at	ADP
fueconorg-12029	215	10	a	a	DET
fueconorg-12029	215	11	significance	significance	NOUN
fueconorg-12029	215	12	level	level	NOUN
fueconorg-12029	215	13	of	of	ADP
fueconorg-12029	215	14	5	5	NUM
fueconorg-12029	215	15	%	%	NOUN
fueconorg-12029	215	16	)	)	PUNCT
fueconorg-12029	215	17	,	,	PUNCT
fueconorg-12029	215	18	and	and	CCONJ
fueconorg-12029	215	19	the	the	DET
fueconorg-12029	215	20	test	test	NOUN
fueconorg-12029	215	21	value	value	NOUN
fueconorg-12029	215	22	is	be	AUX
fueconorg-12029	215	23	-11.621	-11.621	PROPN
fueconorg-12029	215	24	,	,	PUNCT
fueconorg-12029	215	25	with	with	ADP
fueconorg-12029	215	26	a	a	DET
fueconorg-12029	215	27	lag	lag	NOUN
fueconorg-12029	215	28	of	of	ADP
fueconorg-12029	215	29	2	2	NUM
fueconorg-12029	215	30	periods	period	NOUN
fueconorg-12029	215	31	determined	determine	VERB
fueconorg-12029	215	32	(	(	PUNCT
fueconorg-12029	215	33	hqic	hqic	NOUN
fueconorg-12029	215	34	=	=	NOUN
fueconorg-12029	215	35	-13.1261	-13.1261	NUM
fueconorg-12029	215	36	)	)	PUNCT
fueconorg-12029	215	37	.	.	PUNCT
fueconorg-12029	216	1	the	the	DET
fueconorg-12029	216	2	regression	regression	NOUN
fueconorg-12029	216	3	model	model	NOUN
fueconorg-12029	216	4	was	be	AUX
fueconorg-12029	216	5	tested	test	VERB
fueconorg-12029	216	6	for	for	ADP
fueconorg-12029	216	7	autocorrelation	autocorrelation	NOUN
fueconorg-12029	216	8	(	(	PUNCT
fueconorg-12029	216	9	dw	dw	NOUN
fueconorg-12029	216	10	=	=	SYM
fueconorg-12029	216	11	2.39	2.39	NUM
fueconorg-12029	216	12	,	,	PUNCT
fueconorg-12029	216	13	breuch	breuch	ADJ
fueconorg-12029	216	14	-	-	PUNCT
fueconorg-12029	216	15	godfrey	godfrey	NOUN
fueconorg-12029	216	16	=	=	PROPN
fueconorg-12029	216	17	0.0898	0.0898	NUM
fueconorg-12029	216	18	)	)	PUNCT
fueconorg-12029	216	19	and	and	CCONJ
fueconorg-12029	216	20	heteroskedasticity	heteroskedasticity	NOUN
fueconorg-12029	216	21	(	(	PUNCT
fueconorg-12029	216	22	breuch	breuch	ADV
fueconorg-12029	216	23	-	-	PUNCT
fueconorg-12029	216	24	pagan	pagan	NOUN
fueconorg-12029	216	25	=	=	SYM
fueconorg-12029	216	26	0.1136	0.1136	NUM
fueconorg-12029	216	27	,	,	PUNCT
fueconorg-12029	216	28	white	white	ADJ
fueconorg-12029	216	29	=	=	SYM
fueconorg-12029	216	30	0.2861	0.2861	NUM
fueconorg-12029	216	31	)	)	PUNCT
fueconorg-12029	216	32	.	.	PUNCT
fueconorg-12029	217	1	the	the	DET
fueconorg-12029	217	2	results	result	NOUN
fueconorg-12029	217	3	of	of	ADP
fueconorg-12029	217	4	the	the	DET
fueconorg-12029	217	5	regression	regression	NOUN
fueconorg-12029	217	6	are	be	AUX
fueconorg-12029	217	7	presented	present	VERB
fueconorg-12029	217	8	in	in	ADP
fueconorg-12029	217	9	table	table	NOUN
fueconorg-12029	217	10	9	9	NUM
fueconorg-12029	217	11	.	.	PUNCT
fueconorg-12029	218	1	the	the	DET
fueconorg-12029	218	2	coefficient	coefficient	NOUN
fueconorg-12029	218	3	of	of	ADP
fueconorg-12029	218	4	the	the	DET
fueconorg-12029	218	5	predictor	predictor	NOUN
fueconorg-12029	218	6	r_prib	r_prib	PROPN
fueconorg-12029	218	7	in	in	ADP
fueconorg-12029	218	8	the	the	DET
fueconorg-12029	218	9	new	new	ADJ
fueconorg-12029	218	10	regression	regression	NOUN
fueconorg-12029	218	11	analysis	analysis	NOUN
fueconorg-12029	218	12	has	have	VERB
fueconorg-12029	218	13	a	a	DET
fueconorg-12029	218	14	negative	negative	ADJ
fueconorg-12029	218	15	sign	sign	NOUN
fueconorg-12029	218	16	,	,	PUNCT
fueconorg-12029	218	17	thus	thus	ADV
fueconorg-12029	218	18	rejecting	reject	VERB
fueconorg-12029	218	19	the	the	DET
fueconorg-12029	218	20	assumption	assumption	NOUN
fueconorg-12029	218	21	that	that	SCONJ
fueconorg-12029	218	22	its	its	PRON
fueconorg-12029	218	23	value	value	NOUN
fueconorg-12029	218	24	in	in	ADP
fueconorg-12029	218	25	the	the	DET
fueconorg-12029	218	26	original	original	ADJ
fueconorg-12029	218	27	regression	regression	NOUN
fueconorg-12029	218	28	model	model	NOUN
fueconorg-12029	218	29	was	be	AUX
fueconorg-12029	218	30	a	a	DET
fueconorg-12029	218	31	result	result	NOUN
fueconorg-12029	218	32	of	of	ADP
fueconorg-12029	218	33	the	the	DET
fueconorg-12029	218	34	denomination	denomination	NOUN
fueconorg-12029	218	35	of	of	ADP
fueconorg-12029	218	36	the	the	DET
fueconorg-12029	218	37	gross	gross	ADJ
fueconorg-12029	218	38	liability	liability	NOUN
fueconorg-12029	218	39	car	car	NOUN
fueconorg-12029	218	40	insurance	insurance	NOUN
fueconorg-12029	218	41	premium	premium	NOUN
fueconorg-12029	218	42	.	.	PUNCT
fueconorg-12029	219	1	table	table	NOUN
fueconorg-12029	219	2	9	9	NUM
fueconorg-12029	219	3	results	result	NOUN
fueconorg-12029	219	4	of	of	ADP
fueconorg-12029	219	5	the	the	DET
fueconorg-12029	219	6	modified	modify	VERB
fueconorg-12029	219	7	regression	regression	NOUN
fueconorg-12029	219	8	model	model	NOUN
fueconorg-12029	219	9	source	source	NOUN
fueconorg-12029	219	10	ss	ss	PROPN
fueconorg-12029	219	11	df	df	PROPN
fueconorg-12029	219	12	ms	ms	NOUN
fueconorg-12029	219	13	number	number	NOUN
fueconorg-12029	219	14	of	of	ADP
fueconorg-12029	219	15	obs	obs	PROPN
fueconorg-12029	219	16	=	=	SYM
fueconorg-12029	219	17	72	72	NUM
fueconorg-12029	219	18	model	model	NOUN
fueconorg-12029	219	19	.77636151	.77636151	PROPN
fueconorg-12029	219	20	4	4	NUM
fueconorg-12029	219	21	.19409038	.19409038	NOUN
fueconorg-12029	219	22	f	f	PROPN
fueconorg-12029	220	1	(	(	PUNCT
fueconorg-12029	220	2	6,66	6,66	NUM
fueconorg-12029	220	3	)	)	PUNCT
fueconorg-12029	220	4	=	=	SYM
fueconorg-12029	220	5	15.71	15.71	NUM
fueconorg-12029	220	6	residual	residual	ADJ
fueconorg-12029	220	7	.59312158	.59312158	NOUN
fueconorg-12029	220	8	68	68	NUM
fueconorg-12029	220	9	.01133525	.01133525	NOUN
fueconorg-12029	220	10	probf	probf	PROPN
fueconorg-12029	220	11	=	=	SYM
fueconorg-12029	220	12	0.0000	0.0000	NUM
fueconorg-12029	220	13	total	total	NOUN
fueconorg-12029	220	14	1.3694831	1.3694831	NUM
fueconorg-12029	220	15	72	72	NUM
fueconorg-12029	220	16	.02633621	.02633621	NOUN
fueconorg-12029	221	1	r	r	X
fueconorg-12029	221	2	-	-	PUNCT
fueconorg-12029	221	3	squared	square	VERB
fueconorg-12029	221	4	=	=	NOUN
fueconorg-12029	221	5	0.5669	0.5669	NUM
fueconorg-12029	221	6	adj	adj	X
fueconorg-12029	221	7	r	r	NOUN
fueconorg-12029	221	8	-	-	PUNCT
fueconorg-12029	221	9	squared	square	VERB
fueconorg-12029	221	10	=	=	PUNCT
fueconorg-12029	221	11	0.5308	0.5308	NUM
fueconorg-12029	221	12	root	root	NOUN
fueconorg-12029	221	13	mse	mse	NOUN
fueconorg-12029	221	14	=	=	PUNCT
fueconorg-12029	221	15	.11116	.11116	PRON
fueconorg-12029	221	16	dln_premdi	dln_premdi	NOUN
fueconorg-12029	221	17	coef	coef	X
fueconorg-12029	221	18	.	.	PUNCT
fueconorg-12029	222	1	std.err	std.err	PROPN
fueconorg-12029	222	2	t	t	PROPN
fueconorg-12029	222	3	pt	pt	NOUN
fueconorg-12029	222	4	95	95	NOUN
fueconorg-12029	222	5	%	%	NOUN
fueconorg-12029	222	6	conf	conf	NOUN
fueconorg-12029	222	7	.	.	PUNCT
fueconorg-12029	223	1	interval	interval	PROPN
fueconorg-12029	223	2	r_dog	r_dog	PROPN
fueconorg-12029	223	3	.2797783	.2797783	PROPN
fueconorg-12029	223	4	.1527811	.1527811	PROPN
fueconorg-12029	223	5	1.83	1.83	NUM
fueconorg-12029	223	6	0.073	0.073	NUM
fueconorg-12029	223	7	-.0274088	-.0274088	PUNCT
fueconorg-12029	223	8	.5869653	.5869653	PROPN
fueconorg-12029	223	9	r_rez	r_rez	PROPN
fueconorg-12029	223	10	.8634167	.8634167	PROPN
fueconorg-12029	223	11	.3169579	.3169579	PROPN
fueconorg-12029	223	12	2.72	2.72	NUM
fueconorg-12029	223	13	0.009	0.009	NUM
fueconorg-12029	223	14	.2261301	.2261301	PROPN
fueconorg-12029	223	15	1500703	1500703	NUM
fueconorg-12029	223	16	r_prib	r_prib	PROPN
fueconorg-12029	223	17	-.6084916	-.6084916	PROPN
fueconorg-12029	224	1	.2273781	.2273781	INTJ
fueconorg-12029	225	1	-2.68	-2.68	PRON
fueconorg-12029	225	2	0.01	0.01	NUM
fueconorg-12029	225	3	-1065666	-1065666	NOUN
fueconorg-12029	225	4	-.1513117	-.1513117	PUNCT
fueconorg-12029	225	5	r_org	r_org	ADJ
fueconorg-12029	225	6	1.14802	1.14802	NUM
fueconorg-12029	225	7	.4232013	.4232013	NUM
fueconorg-12029	225	8	2.71	2.71	NUM
fueconorg-12029	225	9	0.009	0.009	NUM
fueconorg-12029	225	10	.2971152	.2971152	NUM
fueconorg-12029	226	1	1.998922	1.998922	NUM
fueconorg-12029	226	2	_	_	PUNCT
fueconorg-12029	226	3	cons	con	NOUN
fueconorg-12029	226	4	.0217402	.0217402	PROPN
fueconorg-12029	226	5	.0152792	.0152792	VERB
fueconorg-12029	226	6	1.42	1.42	NUM
fueconorg-12029	226	7	0.161	0.161	NUM
fueconorg-12029	226	8	-.0089807	-.0089807	PUNCT
fueconorg-12029	226	9	.0524612	.0524612	PROPN
fueconorg-12029	226	10	source	source	NOUN
fueconorg-12029	226	11	:	:	PUNCT
fueconorg-12029	226	12	author	author	NOUN
fueconorg-12029	226	13	's	's	PART
fueconorg-12029	226	14	calculation	calculation	NOUN
fueconorg-12029	226	15	based	base	VERB
fueconorg-12029	226	16	on	on	ADP
fueconorg-12029	226	17	the	the	DET
fueconorg-12029	226	18	nbs	nbs	PROPN
fueconorg-12029	226	19	data	datum	NOUN
fueconorg-12029	226	20	for	for	ADP
fueconorg-12029	226	21	the	the	DET
fueconorg-12029	226	22	period	period	NOUN
fueconorg-12029	226	23	2005	2005	NUM
fueconorg-12029	226	24	-	-	SYM
fueconorg-12029	226	25	2022	2022	NUM
fueconorg-12029	226	26	to	to	PART
fueconorg-12029	226	27	test	test	VERB
fueconorg-12029	226	28	the	the	DET
fueconorg-12029	226	29	second	second	ADJ
fueconorg-12029	226	30	assumption	assumption	NOUN
fueconorg-12029	226	31	,	,	PUNCT
fueconorg-12029	226	32	a	a	DET
fueconorg-12029	226	33	correlation	correlation	NOUN
fueconorg-12029	226	34	matrix	matrix	NOUN
fueconorg-12029	226	35	is	be	AUX
fueconorg-12029	226	36	used	use	VERB
fueconorg-12029	226	37	,	,	PUNCT
fueconorg-12029	226	38	the	the	DET
fueconorg-12029	226	39	results	result	NOUN
fueconorg-12029	226	40	of	of	ADP
fueconorg-12029	226	41	which	which	PRON
fueconorg-12029	226	42	are	be	AUX
fueconorg-12029	226	43	presented	present	VERB
fueconorg-12029	226	44	in	in	ADP
fueconorg-12029	226	45	table	table	NOUN
fueconorg-12029	226	46	10	10	NUM
fueconorg-12029	226	47	.	.	PUNCT
fueconorg-12029	226	48	table	table	NOUN
fueconorg-12029	226	49	10	10	NUM
fueconorg-12029	226	50	correlation	correlation	NOUN
fueconorg-12029	226	51	matrix	matrix	NOUN
fueconorg-12029	226	52	mat	mat	NOUN
fueconorg-12029	226	53	.	.	PUNCT
fueconorg-12029	226	54	correl	correl	NOUN
fueconorg-12029	226	55	.	.	PUNCT
fueconorg-12029	227	1	dlnml2	dlnml2	PROPN
fueconorg-12029	227	2	r_dog	r_dog	NOUN
fueconorg-12029	227	3	r_rez	r_rez	PROPN
fueconorg-12029	227	4	r_prib	r_prib	PROPN
fueconorg-12029	227	5	r_org	r_org	ADJ
fueconorg-12029	227	6	dlnml2	dlnml2	PROPN
fueconorg-12029	227	7	1	1	NUM
fueconorg-12029	227	8	r_dog	r_dog	NOUN
fueconorg-12029	227	9	0.4775	0.4775	NUM
fueconorg-12029	227	10	1	1	NUM
fueconorg-12029	227	11	r_rez	r_rez	NOUN
fueconorg-12029	227	12	0.6409	0.6409	NUM
fueconorg-12029	227	13	0.4896	0.4896	NUM
fueconorg-12029	227	14	1	1	NUM
fueconorg-12029	227	15	r_prib	r_prib	NOUN
fueconorg-12029	227	16	0.4781	0.4781	NUM
fueconorg-12029	227	17	0.7853	0.7853	NUM
fueconorg-12029	227	18	0.7962	0.7962	NUM
fueconorg-12029	227	19	1	1	NUM
fueconorg-12029	227	20	r_org	r_org	NOUN
fueconorg-12029	227	21	0.7483	0.7483	NUM
fueconorg-12029	227	22	0.6571	0.6571	NUM
fueconorg-12029	227	23	0.7896	0.7896	NUM
fueconorg-12029	227	24	0.7381	0.7381	NUM
fueconorg-12029	227	25	1	1	NUM
fueconorg-12029	227	26	source	source	NOUN
fueconorg-12029	227	27	:	:	PUNCT
fueconorg-12029	227	28	author	author	NOUN
fueconorg-12029	227	29	's	's	PART
fueconorg-12029	227	30	calculation	calculation	NOUN
fueconorg-12029	227	31	based	base	VERB
fueconorg-12029	227	32	on	on	ADP
fueconorg-12029	227	33	the	the	DET
fueconorg-12029	227	34	nbs	nbs	PROPN
fueconorg-12029	227	35	data	datum	NOUN
fueconorg-12029	227	36	for	for	ADP
fueconorg-12029	227	37	the	the	DET
fueconorg-12029	227	38	period	period	NOUN
fueconorg-12029	227	39	2005	2005	NUM
fueconorg-12029	227	40	-	-	SYM
fueconorg-12029	227	41	2022	2022	NUM
fueconorg-12029	227	42	based	base	VERB
fueconorg-12029	227	43	on	on	ADP
fueconorg-12029	227	44	the	the	DET
fueconorg-12029	227	45	data	datum	NOUN
fueconorg-12029	227	46	from	from	ADP
fueconorg-12029	227	47	the	the	DET
fueconorg-12029	227	48	previous	previous	ADJ
fueconorg-12029	227	49	table	table	NOUN
fueconorg-12029	227	50	,	,	PUNCT
fueconorg-12029	227	51	it	it	PRON
fueconorg-12029	227	52	can	can	AUX
fueconorg-12029	227	53	be	be	AUX
fueconorg-12029	227	54	determined	determine	VERB
fueconorg-12029	227	55	that	that	SCONJ
fueconorg-12029	227	56	there	there	PRON
fueconorg-12029	227	57	is	be	VERB
fueconorg-12029	227	58	a	a	DET
fueconorg-12029	227	59	strong	strong	ADJ
fueconorg-12029	227	60	positive	positive	ADJ
fueconorg-12029	227	61	correlation	correlation	NOUN
fueconorg-12029	227	62	between	between	ADP
fueconorg-12029	227	63	the	the	DET
fueconorg-12029	227	64	predictors	predictor	NOUN
fueconorg-12029	227	65	r_prib	r_prib	NOUN
fueconorg-12029	227	66	and	and	CCONJ
fueconorg-12029	227	67	r_org	r_org	PROPN
fueconorg-12029	227	68	.	.	PROPN
fueconorg-12029	228	1	given	give	VERB
fueconorg-12029	228	2	the	the	DET
fueconorg-12029	228	3	high	high	ADJ
fueconorg-12029	228	4	value	value	NOUN
fueconorg-12029	228	5	of	of	ADP
fueconorg-12029	228	6	the	the	DET
fueconorg-12029	228	7	t	t	NOUN
fueconorg-12029	228	8	-	-	PUNCT
fueconorg-12029	228	9	test	test	NOUN
fueconorg-12029	228	10	(	(	PUNCT
fueconorg-12029	228	11	3.49	3.49	NUM
fueconorg-12029	228	12	)	)	PUNCT
fueconorg-12029	228	13	and	and	CCONJ
fueconorg-12029	228	14	the	the	DET
fueconorg-12029	228	15	coefficient	coefficient	NOUN
fueconorg-12029	228	16	value	value	NOUN
fueconorg-12029	228	17	of	of	ADP
fueconorg-12029	228	18	the	the	DET
fueconorg-12029	228	19	predictor	predictor	NOUN
fueconorg-12029	228	20	r_org	r_org	PROPN
fueconorg-12029	228	21	,	,	PUNCT
fueconorg-12029	228	22	the	the	DET
fueconorg-12029	228	23	strong	strong	ADJ
fueconorg-12029	228	24	positive	positive	ADJ
fueconorg-12029	228	25	correlation	correlation	NOUN
fueconorg-12029	228	26	between	between	ADP
fueconorg-12029	228	27	the	the	DET
fueconorg-12029	228	28	predictors	predictor	NOUN
fueconorg-12029	228	29	r_prib	r_prib	PROPN
fueconorg-12029	228	30	and	and	CCONJ
fueconorg-12029	228	31	r_org	r_org	PROPN
fueconorg-12029	228	32	may	may	AUX
fueconorg-12029	228	33	be	be	AUX
fueconorg-12029	228	34	the	the	DET
fueconorg-12029	228	35	cause	cause	NOUN
fueconorg-12029	228	36	of	of	ADP
fueconorg-12029	228	37	the	the	DET
fueconorg-12029	228	38	negative	negative	ADJ
fueconorg-12029	228	39	sign	sign	NOUN
fueconorg-12029	228	40	of	of	ADP
fueconorg-12029	228	41	the	the	DET
fueconorg-12029	228	42	coefficient	coefficient	NOUN
fueconorg-12029	228	43	r_prib	r_prib	PROPN
fueconorg-12029	228	44	.	.	PUNCT
fueconorg-12029	229	1	undoubtedly	undoubtedly	ADV
fueconorg-12029	229	2	,	,	PUNCT
fueconorg-12029	229	3	an	an	DET
fueconorg-12029	229	4	increase	increase	NOUN
fueconorg-12029	229	5	in	in	ADP
fueconorg-12029	229	6	the	the	DET
fueconorg-12029	229	7	share	share	NOUN
fueconorg-12029	229	8	of	of	ADP
fueconorg-12029	229	9	settled	settle	VERB
fueconorg-12029	229	10	claims	claim	NOUN
fueconorg-12029	229	11	in	in	ADP
fueconorg-12029	229	12	the	the	DET
fueconorg-12029	229	13	total	total	ADJ
fueconorg-12029	229	14	number	number	NOUN
fueconorg-12029	229	15	of	of	ADP
fueconorg-12029	229	16	claims	claim	NOUN
fueconorg-12029	229	17	(	(	PUNCT
fueconorg-12029	229	18	which	which	PRON
fueconorg-12029	229	19	represents	represent	VERB
fueconorg-12029	229	20	the	the	DET
fueconorg-12029	229	21	predictor	predictor	NOUN
fueconorg-12029	229	22	r_org	r_org	NOUN
fueconorg-12029	229	23	)	)	PUNCT
fueconorg-12029	229	24	results	result	NOUN
fueconorg-12029	229	25	in	in	ADP
fueconorg-12029	229	26	an	an	DET
fueconorg-12029	229	27	increase	increase	NOUN
fueconorg-12029	229	28	in	in	ADP
fueconorg-12029	229	29	the	the	DET
fueconorg-12029	229	30	risk	risk	NOUN
fueconorg-12029	229	31	factors	factor	NOUN
fueconorg-12029	229	32	for	for	ADP
fueconorg-12029	229	33	the	the	DET
fueconorg-12029	229	34	occurrence	occurrence	NOUN
fueconorg-12029	229	35	of	of	ADP
fueconorg-12029	229	36	claims	claim	NOUN
fueconorg-12029	229	37	and	and	CCONJ
fueconorg-12029	229	38	the	the	DET
fueconorg-12029	229	39	adequacy	adequacy	NOUN
fueconorg-12029	229	40	of	of	ADP
fueconorg-12029	229	41	non	non	ADJ
fueconorg-12029	229	42	-	-	ADJ
fueconorg-12029	229	43	life	life	ADJ
fueconorg-12029	229	44	insurance	insurance	NOUN
fueconorg-12029	229	45	premiums	premium	NOUN
fueconorg-12029	229	46	199	199	NUM
fueconorg-12029	229	47	share	share	NOUN
fueconorg-12029	229	48	of	of	ADP
fueconorg-12029	229	49	the	the	DET
fueconorg-12029	229	50	amount	amount	NOUN
fueconorg-12029	229	51	of	of	ADP
fueconorg-12029	229	52	settled	settle	VERB
fueconorg-12029	229	53	claims	claim	NOUN
fueconorg-12029	229	54	in	in	ADP
fueconorg-12029	229	55	the	the	DET
fueconorg-12029	229	56	collected	collect	VERB
fueconorg-12029	229	57	premium	premium	NOUN
fueconorg-12029	229	58	(	(	PUNCT
fueconorg-12029	229	59	which	which	PRON
fueconorg-12029	229	60	represents	represent	VERB
fueconorg-12029	229	61	the	the	DET
fueconorg-12029	229	62	predictor	predictor	NOUN
fueconorg-12029	229	63	r_prib	r_prib	PROPN
fueconorg-12029	229	64	)	)	PUNCT
fueconorg-12029	229	65	;	;	PUNCT
fueconorg-12029	229	66	however	however	ADV
fueconorg-12029	229	67	,	,	PUNCT
fueconorg-12029	229	68	the	the	DET
fueconorg-12029	229	69	removal	removal	NOUN
fueconorg-12029	229	70	of	of	ADP
fueconorg-12029	229	71	one	one	NUM
fueconorg-12029	229	72	of	of	ADP
fueconorg-12029	229	73	these	these	DET
fueconorg-12029	229	74	two	two	NUM
fueconorg-12029	229	75	predictors	predictor	NOUN
fueconorg-12029	229	76	would	would	AUX
fueconorg-12029	229	77	lead	lead	VERB
fueconorg-12029	229	78	to	to	AUX
fueconorg-12029	229	79	obscured	obscure	VERB
fueconorg-12029	229	80	results	result	NOUN
fueconorg-12029	229	81	of	of	ADP
fueconorg-12029	229	82	the	the	DET
fueconorg-12029	229	83	model	model	NOUN
fueconorg-12029	229	84	itself	itself	PRON
fueconorg-12029	229	85	.	.	PUNCT
fueconorg-12029	230	1	all	all	DET
fueconorg-12029	230	2	-	-	PUNCT
fueconorg-12029	230	3	time	time	NOUN
fueconorg-12029	230	4	series	series	NOUN
fueconorg-12029	230	5	used	use	VERB
fueconorg-12029	230	6	for	for	ADP
fueconorg-12029	230	7	these	these	DET
fueconorg-12029	230	8	calculations	calculation	NOUN
fueconorg-12029	230	9	consist	consist	VERB
fueconorg-12029	230	10	of	of	ADP
fueconorg-12029	230	11	quarterly	quarterly	ADJ
fueconorg-12029	230	12	data	datum	NOUN
fueconorg-12029	230	13	,	,	PUNCT
fueconorg-12029	230	14	while	while	SCONJ
fueconorg-12029	230	15	the	the	DET
fueconorg-12029	230	16	bonus	bonus	NOUN
fueconorg-12029	230	17	/	/	SYM
fueconorg-12029	230	18	malus	malus	NOUN
fueconorg-12029	230	19	system	system	NOUN
fueconorg-12029	230	20	,	,	PUNCT
fueconorg-12029	230	21	which	which	PRON
fueconorg-12029	230	22	has	have	VERB
fueconorg-12029	230	23	a	a	DET
fueconorg-12029	230	24	significant	significant	ADJ
fueconorg-12029	230	25	impact	impact	NOUN
fueconorg-12029	230	26	on	on	ADP
fueconorg-12029	230	27	the	the	DET
fueconorg-12029	230	28	volume	volume	NOUN
fueconorg-12029	230	29	of	of	ADP
fueconorg-12029	230	30	the	the	DET
fueconorg-12029	230	31	premium	premium	NOUN
fueconorg-12029	230	32	,	,	PUNCT
fueconorg-12029	230	33	is	be	AUX
fueconorg-12029	230	34	calculated	calculate	VERB
fueconorg-12029	230	35	annually	annually	ADV
fueconorg-12029	230	36	.	.	PUNCT
fueconorg-12029	231	1	this	this	PRON
fueconorg-12029	231	2	means	mean	VERB
fueconorg-12029	231	3	that	that	SCONJ
fueconorg-12029	231	4	any	any	DET
fueconorg-12029	231	5	claim	claim	NOUN
fueconorg-12029	231	6	that	that	PRON
fueconorg-12029	231	7	occurs	occur	VERB
fueconorg-12029	231	8	under	under	ADP
fueconorg-12029	231	9	the	the	DET
fueconorg-12029	231	10	policy	policy	NOUN
fueconorg-12029	231	11	only	only	ADV
fueconorg-12029	231	12	affects	affect	VERB
fueconorg-12029	231	13	the	the	DET
fueconorg-12029	231	14	value	value	NOUN
fueconorg-12029	231	15	of	of	ADP
fueconorg-12029	231	16	that	that	DET
fueconorg-12029	231	17	policy	policy	NOUN
fueconorg-12029	231	18	after	after	ADP
fueconorg-12029	231	19	one	one	NUM
fueconorg-12029	231	20	year	year	NOUN
fueconorg-12029	231	21	.	.	PUNCT
fueconorg-12029	232	1	on	on	ADP
fueconorg-12029	232	2	the	the	DET
fueconorg-12029	232	3	other	other	ADJ
fueconorg-12029	232	4	hand	hand	NOUN
fueconorg-12029	232	5	,	,	PUNCT
fueconorg-12029	232	6	the	the	DET
fueconorg-12029	232	7	information	information	NOUN
fueconorg-12029	232	8	criterion	criterion	NOUN
fueconorg-12029	232	9	suggests	suggest	VERB
fueconorg-12029	232	10	a	a	DET
fueconorg-12029	232	11	lag	lag	NOUN
fueconorg-12029	232	12	of	of	ADP
fueconorg-12029	232	13	two	two	NUM
fueconorg-12029	232	14	periods	period	NOUN
fueconorg-12029	232	15	,	,	PUNCT
fueconorg-12029	232	16	but	but	CCONJ
fueconorg-12029	232	17	further	further	ADJ
fueconorg-12029	232	18	lags	lag	NOUN
fueconorg-12029	232	19	would	would	AUX
fueconorg-12029	232	20	cause	cause	VERB
fueconorg-12029	232	21	significant	significant	ADJ
fueconorg-12029	232	22	issues	issue	NOUN
fueconorg-12029	232	23	with	with	ADP
fueconorg-12029	232	24	autocorrelation	autocorrelation	NOUN
fueconorg-12029	232	25	and	and	CCONJ
fueconorg-12029	232	26	heteroskedasticity	heteroskedasticity	NOUN
fueconorg-12029	232	27	.	.	PUNCT
fueconorg-12029	233	1	5	5	X
fueconorg-12029	233	2	.	.	X
fueconorg-12029	233	3	conclusion	conclusion	NOUN
fueconorg-12029	233	4	in	in	ADP
fueconorg-12029	233	5	the	the	DET
fueconorg-12029	233	6	insurance	insurance	NOUN
fueconorg-12029	233	7	industry	industry	NOUN
fueconorg-12029	233	8	,	,	PUNCT
fueconorg-12029	233	9	fluctuations	fluctuation	NOUN
fueconorg-12029	233	10	in	in	ADP
fueconorg-12029	233	11	the	the	DET
fueconorg-12029	233	12	relationships	relationship	NOUN
fueconorg-12029	233	13	between	between	ADP
fueconorg-12029	233	14	supply	supply	NOUN
fueconorg-12029	233	15	and	and	CCONJ
fueconorg-12029	233	16	demand	demand	NOUN
fueconorg-12029	233	17	,	,	PUNCT
fueconorg-12029	233	18	premium	premium	NOUN
fueconorg-12029	233	19	rates	rate	NOUN
fueconorg-12029	233	20	,	,	PUNCT
fueconorg-12029	233	21	and	and	CCONJ
fueconorg-12029	233	22	profitability	profitability	NOUN
fueconorg-12029	233	23	are	be	AUX
fueconorg-12029	233	24	logical	logical	ADJ
fueconorg-12029	233	25	.	.	PUNCT
fueconorg-12029	234	1	it	it	PRON
fueconorg-12029	234	2	is	be	AUX
fueconorg-12029	234	3	also	also	ADV
fueconorg-12029	234	4	reasonable	reasonable	ADJ
fueconorg-12029	234	5	for	for	SCONJ
fueconorg-12029	234	6	this	this	DET
fueconorg-12029	234	7	industry	industry	NOUN
fueconorg-12029	234	8	to	to	PART
fueconorg-12029	234	9	face	face	VERB
fueconorg-12029	234	10	limiting	limit	VERB
fueconorg-12029	234	11	regulations	regulation	NOUN
fueconorg-12029	234	12	,	,	PUNCT
fueconorg-12029	234	13	as	as	ADV
fueconorg-12029	234	14	well	well	ADV
fueconorg-12029	234	15	as	as	ADP
fueconorg-12029	234	16	political	political	ADJ
fueconorg-12029	234	17	,	,	PUNCT
fueconorg-12029	234	18	economic	economic	ADJ
fueconorg-12029	234	19	,	,	PUNCT
fueconorg-12029	234	20	and	and	CCONJ
fueconorg-12029	234	21	other	other	ADJ
fueconorg-12029	234	22	pressures	pressure	NOUN
fueconorg-12029	234	23	from	from	ADP
fueconorg-12029	234	24	users	user	NOUN
fueconorg-12029	234	25	of	of	ADP
fueconorg-12029	234	26	insurance	insurance	NOUN
fueconorg-12029	234	27	coverage	coverage	NOUN
fueconorg-12029	234	28	.	.	PUNCT
fueconorg-12029	235	1	the	the	DET
fueconorg-12029	235	2	quality	quality	NOUN
fueconorg-12029	235	3	of	of	ADP
fueconorg-12029	235	4	risk	risk	NOUN
fueconorg-12029	235	5	management	management	NOUN
fueconorg-12029	235	6	in	in	ADP
fueconorg-12029	235	7	premium	premium	ADJ
fueconorg-12029	235	8	adequacy	adequacy	NOUN
fueconorg-12029	235	9	is	be	AUX
fueconorg-12029	235	10	crucial	crucial	ADJ
fueconorg-12029	235	11	for	for	ADP
fueconorg-12029	235	12	the	the	DET
fueconorg-12029	235	13	successful	successful	ADJ
fueconorg-12029	235	14	operation	operation	NOUN
fueconorg-12029	235	15	of	of	ADP
fueconorg-12029	235	16	insurance	insurance	NOUN
fueconorg-12029	235	17	activities	activity	NOUN
fueconorg-12029	235	18	and	and	CCONJ
fueconorg-12029	235	19	the	the	DET
fueconorg-12029	235	20	preservation	preservation	NOUN
fueconorg-12029	235	21	of	of	ADP
fueconorg-12029	235	22	the	the	DET
fueconorg-12029	235	23	solvency	solvency	NOUN
fueconorg-12029	235	24	of	of	ADP
fueconorg-12029	235	25	insurance	insurance	NOUN
fueconorg-12029	235	26	companies	company	NOUN
fueconorg-12029	235	27	.	.	PUNCT
fueconorg-12029	236	1	therefore	therefore	ADV
fueconorg-12029	236	2	,	,	PUNCT
fueconorg-12029	236	3	in	in	ADP
fueconorg-12029	236	4	modern	modern	ADJ
fueconorg-12029	236	5	business	business	NOUN
fueconorg-12029	236	6	conditions	condition	NOUN
fueconorg-12029	236	7	,	,	PUNCT
fueconorg-12029	236	8	it	it	PRON
fueconorg-12029	236	9	is	be	AUX
fueconorg-12029	236	10	necessary	necessary	ADJ
fueconorg-12029	236	11	to	to	PART
fueconorg-12029	236	12	pay	pay	VERB
fueconorg-12029	236	13	greater	great	ADJ
fueconorg-12029	236	14	attention	attention	NOUN
fueconorg-12029	236	15	to	to	ADP
fueconorg-12029	236	16	effective	effective	ADJ
fueconorg-12029	236	17	methods	method	NOUN
fueconorg-12029	236	18	for	for	ADP
fueconorg-12029	236	19	mitigating	mitigate	VERB
fueconorg-12029	236	20	and	and	CCONJ
fueconorg-12029	236	21	overcoming	overcome	VERB
fueconorg-12029	236	22	risks	risk	NOUN
fueconorg-12029	236	23	that	that	PRON
fueconorg-12029	236	24	affect	affect	VERB
fueconorg-12029	236	25	premium	premium	ADJ
fueconorg-12029	236	26	adequacy	adequacy	NOUN
fueconorg-12029	236	27	.	.	PUNCT
fueconorg-12029	237	1	testing	test	VERB
fueconorg-12029	237	2	the	the	DET
fueconorg-12029	237	3	applicability	applicability	NOUN
fueconorg-12029	237	4	of	of	ADP
fueconorg-12029	237	5	methods	method	NOUN
fueconorg-12029	237	6	for	for	ADP
fueconorg-12029	237	7	premium	premium	ADJ
fueconorg-12029	237	8	calculation	calculation	NOUN
fueconorg-12029	237	9	,	,	PUNCT
fueconorg-12029	237	10	ensuring	ensure	VERB
fueconorg-12029	237	11	quality	quality	NOUN
fueconorg-12029	237	12	statistical	statistical	ADJ
fueconorg-12029	237	13	data	datum	NOUN
fueconorg-12029	237	14	,	,	PUNCT
fueconorg-12029	237	15	improving	improve	VERB
fueconorg-12029	237	16	disaster	disaster	NOUN
fueconorg-12029	237	17	risk	risk	NOUN
fueconorg-12029	237	18	modelling	modelling	NOUN
fueconorg-12029	237	19	,	,	PUNCT
fueconorg-12029	237	20	timely	timely	ADJ
fueconorg-12029	237	21	responses	response	NOUN
fueconorg-12029	237	22	to	to	ADP
fueconorg-12029	237	23	external	external	ADJ
fueconorg-12029	237	24	changes	change	NOUN
fueconorg-12029	237	25	,	,	PUNCT
fueconorg-12029	237	26	and	and	CCONJ
fueconorg-12029	237	27	strengthening	strengthen	VERB
fueconorg-12029	237	28	communication	communication	NOUN
fueconorg-12029	237	29	between	between	ADP
fueconorg-12029	237	30	key	key	ADJ
fueconorg-12029	237	31	departments	department	NOUN
fueconorg-12029	237	32	in	in	ADP
fueconorg-12029	237	33	insurance	insurance	NOUN
fueconorg-12029	237	34	companies	company	NOUN
fueconorg-12029	237	35	are	be	AUX
fueconorg-12029	237	36	prerequisites	prerequisite	NOUN
fueconorg-12029	237	37	for	for	ADP
fueconorg-12029	237	38	calculating	calculate	VERB
fueconorg-12029	237	39	the	the	DET
fueconorg-12029	237	40	real	real	ADJ
fueconorg-12029	237	41	insurance	insurance	NOUN
fueconorg-12029	237	42	premium	premium	NOUN
fueconorg-12029	237	43	and	and	CCONJ
fueconorg-12029	237	44	thus	thus	ADV
fueconorg-12029	237	45	ensuring	ensure	VERB
fueconorg-12029	237	46	business	business	NOUN
fueconorg-12029	237	47	continuity	continuity	NOUN
fueconorg-12029	237	48	.	.	PUNCT
fueconorg-12029	238	1	all	all	DET
fueconorg-12029	238	2	the	the	DET
fueconorg-12029	238	3	mentioned	mention	VERB
fueconorg-12029	238	4	factors	factor	NOUN
fueconorg-12029	238	5	,	,	PUNCT
fueconorg-12029	238	6	as	as	ADV
fueconorg-12029	238	7	well	well	ADV
fueconorg-12029	238	8	as	as	ADP
fueconorg-12029	238	9	those	those	PRON
fueconorg-12029	238	10	not	not	PART
fueconorg-12029	238	11	mentioned	mention	VERB
fueconorg-12029	238	12	,	,	PUNCT
fueconorg-12029	238	13	influence	influence	VERB
fueconorg-12029	238	14	the	the	DET
fueconorg-12029	238	15	cyclicality	cyclicality	NOUN
fueconorg-12029	238	16	that	that	PRON
fueconorg-12029	238	17	prevents	prevent	VERB
fueconorg-12029	238	18	insurers	insurer	NOUN
fueconorg-12029	238	19	from	from	ADP
fueconorg-12029	238	20	accurately	accurately	ADV
fueconorg-12029	238	21	projecting	project	VERB
fueconorg-12029	238	22	their	their	PRON
fueconorg-12029	238	23	revenues	revenue	NOUN
fueconorg-12029	238	24	and	and	CCONJ
fueconorg-12029	238	25	expenses	expense	NOUN
fueconorg-12029	238	26	,	,	PUNCT
fueconorg-12029	238	27	leading	lead	VERB
fueconorg-12029	238	28	to	to	ADP
fueconorg-12029	238	29	increased	increase	VERB
fueconorg-12029	238	30	capital	capital	NOUN
fueconorg-12029	238	31	costs	cost	NOUN
fueconorg-12029	238	32	and	and	CCONJ
fueconorg-12029	238	33	the	the	DET
fueconorg-12029	238	34	potential	potential	NOUN
fueconorg-12029	238	35	to	to	PART
fueconorg-12029	238	36	quickly	quickly	ADV
fueconorg-12029	238	37	transform	transform	VERB
fueconorg-12029	238	38	a	a	DET
fueconorg-12029	238	39	profitable	profitable	ADJ
fueconorg-12029	238	40	year	year	NOUN
fueconorg-12029	238	41	into	into	ADP
fueconorg-12029	238	42	an	an	DET
fueconorg-12029	238	43	unprofitable	unprofitable	ADJ
fueconorg-12029	238	44	one	one	NUM
fueconorg-12029	238	45	.	.	PUNCT
fueconorg-12029	239	1	insurers	insurer	NOUN
fueconorg-12029	239	2	have	have	VERB
fueconorg-12029	239	3	access	access	NOUN
fueconorg-12029	239	4	to	to	ADP
fueconorg-12029	239	5	strategies	strategy	NOUN
fueconorg-12029	239	6	that	that	PRON
fueconorg-12029	239	7	can	can	AUX
fueconorg-12029	239	8	be	be	AUX
fueconorg-12029	239	9	implemented	implement	VERB
fueconorg-12029	239	10	to	to	PART
fueconorg-12029	239	11	manage	manage	VERB
fueconorg-12029	239	12	cycles	cycle	NOUN
fueconorg-12029	239	13	more	more	ADV
fueconorg-12029	239	14	effectively	effectively	ADV
fueconorg-12029	239	15	,	,	PUNCT
fueconorg-12029	239	16	enabling	enable	VERB
fueconorg-12029	239	17	better	well	ADJ
fueconorg-12029	239	18	outcomes	outcome	NOUN
fueconorg-12029	239	19	in	in	ADP
fueconorg-12029	239	20	certain	certain	ADJ
fueconorg-12029	239	21	phases	phase	NOUN
fueconorg-12029	239	22	of	of	ADP
fueconorg-12029	239	23	the	the	DET
fueconorg-12029	239	24	cycle	cycle	NOUN
fueconorg-12029	239	25	.	.	PUNCT
fueconorg-12029	240	1	the	the	DET
fueconorg-12029	240	2	significance	significance	NOUN
fueconorg-12029	240	3	of	of	ADP
fueconorg-12029	240	4	adequate	adequate	ADJ
fueconorg-12029	240	5	calculation	calculation	NOUN
fueconorg-12029	240	6	of	of	ADP
fueconorg-12029	240	7	technical	technical	ADJ
fueconorg-12029	240	8	reserves	reserve	NOUN
fueconorg-12029	240	9	(	(	PUNCT
fueconorg-12029	240	10	tr	tr	VERB
fueconorg-12029	240	11	)	)	PUNCT
fueconorg-12029	240	12	in	in	ADP
fueconorg-12029	240	13	non	non	ADJ
fueconorg-12029	240	14	-	-	ADJ
fueconorg-12029	240	15	life	life	ADJ
fueconorg-12029	240	16	insurance	insurance	NOUN
fueconorg-12029	240	17	has	have	AUX
fueconorg-12029	240	18	resulted	result	VERB
fueconorg-12029	240	19	in	in	ADP
fueconorg-12029	240	20	numerous	numerous	ADJ
fueconorg-12029	240	21	studies	study	NOUN
fueconorg-12029	240	22	at	at	ADP
fueconorg-12029	240	23	the	the	DET
fueconorg-12029	240	24	european	european	PROPN
fueconorg-12029	240	25	union	union	PROPN
fueconorg-12029	240	26	level	level	NOUN
fueconorg-12029	240	27	.	.	PUNCT
fueconorg-12029	241	1	the	the	DET
fueconorg-12029	241	2	inherent	inherent	ADJ
fueconorg-12029	241	3	uncertainty	uncertainty	NOUN
fueconorg-12029	241	4	regarding	regard	VERB
fueconorg-12029	241	5	both	both	CCONJ
fueconorg-12029	241	6	the	the	DET
fueconorg-12029	241	7	occurrence	occurrence	NOUN
fueconorg-12029	241	8	and	and	CCONJ
fueconorg-12029	241	9	the	the	DET
fueconorg-12029	241	10	severity	severity	NOUN
fueconorg-12029	241	11	of	of	ADP
fueconorg-12029	241	12	claims	claim	NOUN
fueconorg-12029	241	13	in	in	ADP
fueconorg-12029	241	14	non	non	ADJ
fueconorg-12029	241	15	-	-	ADJ
fueconorg-12029	241	16	life	life	ADJ
fueconorg-12029	241	17	insurance	insurance	NOUN
fueconorg-12029	241	18	strongly	strongly	ADV
fueconorg-12029	241	19	reflects	reflect	VERB
fueconorg-12029	241	20	on	on	ADP
fueconorg-12029	241	21	the	the	DET
fueconorg-12029	241	22	projection	projection	NOUN
fueconorg-12029	241	23	of	of	ADP
fueconorg-12029	241	24	the	the	DET
fueconorg-12029	241	25	amount	amount	NOUN
fueconorg-12029	241	26	of	of	ADP
fueconorg-12029	241	27	technical	technical	ADJ
fueconorg-12029	241	28	reserves	reserve	NOUN
fueconorg-12029	241	29	as	as	ADP
fueconorg-12029	241	30	a	a	DET
fueconorg-12029	241	31	part	part	NOUN
fueconorg-12029	241	32	of	of	ADP
fueconorg-12029	241	33	the	the	DET
fueconorg-12029	241	34	insurance	insurance	NOUN
fueconorg-12029	241	35	premium	premium	NOUN
fueconorg-12029	241	36	.	.	PUNCT
fueconorg-12029	242	1	references	reference	NOUN
fueconorg-12029	242	2	bortoluzzo	bortoluzzo	NOUN
fueconorg-12029	242	3	,	,	PUNCT
fueconorg-12029	242	4	a.	a.	PROPN
fueconorg-12029	242	5	b.	b.	PROPN
fueconorg-12029	242	6	,	,	PUNCT
fueconorg-12029	242	7	claro	claro	PROPN
fueconorg-12029	242	8	,	,	PUNCT
fueconorg-12029	242	9	d.	d.	PROPN
fueconorg-12029	242	10	p.	p.	PROPN
fueconorg-12029	242	11	,	,	PUNCT
fueconorg-12029	242	12	caetano	caetano	PROPN
fueconorg-12029	242	13	,	,	PUNCT
fueconorg-12029	242	14	m.	m.	PROPN
fueconorg-12029	242	15	a.	a.	PROPN
fueconorg-12029	242	16	l.	l.	PROPN
fueconorg-12029	242	17	,	,	PUNCT
fueconorg-12029	242	18	&	&	CCONJ
fueconorg-12029	242	19	artes	artes	PROPN
fueconorg-12029	242	20	,	,	PUNCT
fueconorg-12029	242	21	r.	r.	PROPN
fueconorg-12029	242	22	(	(	PUNCT
fueconorg-12029	242	23	2011	2011	NUM
fueconorg-12029	242	24	)	)	PUNCT
fueconorg-12029	242	25	.	.	PUNCT
fueconorg-12029	243	1	estimating	estimate	VERB
fueconorg-12029	243	2	total	total	ADJ
fueconorg-12029	243	3	claim	claim	NOUN
fueconorg-12029	243	4	size	size	NOUN
fueconorg-12029	243	5	in	in	ADP
fueconorg-12029	243	6	the	the	DET
fueconorg-12029	243	7	auto	auto	NOUN
fueconorg-12029	243	8	insurance	insurance	NOUN
fueconorg-12029	243	9	industry	industry	NOUN
fueconorg-12029	243	10	:	:	PUNCT
fueconorg-12029	243	11	a	a	DET
fueconorg-12029	243	12	comparison	comparison	NOUN
fueconorg-12029	243	13	between	between	ADP
fueconorg-12029	243	14	tweedie	tweedie	PROPN
fueconorg-12029	243	15	and	and	CCONJ
fueconorg-12029	243	16	zero	zero	NUM
fueconorg-12029	243	17	-	-	PUNCT
fueconorg-12029	243	18	adjused	adjuse	VERB
fueconorg-12029	243	19	inverse	inverse	NOUN
fueconorg-12029	243	20	gaussian	gaussian	ADJ
fueconorg-12029	243	21	distribution	distribution	NOUN
fueconorg-12029	243	22	.	.	PUNCT
fueconorg-12029	244	1	bar	bar	NOUN
fueconorg-12029	244	2	brazilian	brazilian	ADJ
fueconorg-12029	244	3	administration	administration	PROPN
fueconorg-12029	244	4	review	review	PROPN
fueconorg-12029	244	5	,	,	PUNCT
fueconorg-12029	244	6	18(1	18(1	NUM
fueconorg-12029	244	7	)	)	PUNCT
fueconorg-12029	244	8	,	,	PUNCT
fueconorg-12029	244	9	37	37	NUM
fueconorg-12029	244	10	-	-	SYM
fueconorg-12029	244	11	47	47	NUM
fueconorg-12029	244	12	.	.	PUNCT
fueconorg-12029	245	1	https://doi.org/10.1590/s1807-76922011000100004	https://doi.org/10.1590/s1807-76922011000100004	PROPN
fueconorg-12029	245	2	boyer	boyer	PROPN
fueconorg-12029	245	3	m.	m.	PROPN
fueconorg-12029	245	4	m.	m.	PROPN
fueconorg-12029	245	5	,	,	PUNCT
fueconorg-12029	245	6	jacquier	jacquier	NOUN
fueconorg-12029	245	7	,	,	PUNCT
fueconorg-12029	245	8	e.	e.	PROPN
fueconorg-12029	245	9	,	,	PUNCT
fueconorg-12029	245	10	&	&	CCONJ
fueconorg-12029	245	11	van	van	PROPN
fueconorg-12029	245	12	norden	norden	PROPN
fueconorg-12029	245	13	,	,	PUNCT
fueconorg-12029	245	14	s.	s.	PROPN
fueconorg-12029	245	15	(	(	PUNCT
fueconorg-12029	245	16	2012	2012	NUM
fueconorg-12029	245	17	)	)	PUNCT
fueconorg-12029	245	18	.	.	PUNCT
fueconorg-12029	246	1	are	be	AUX
fueconorg-12029	246	2	underwriting	underwriting	NOUN
fueconorg-12029	246	3	cycles	cycle	NOUN
fueconorg-12029	246	4	real	real	ADJ
fueconorg-12029	246	5	and	and	CCONJ
fueconorg-12029	246	6	forecastable	forecastable	ADJ
fueconorg-12029	246	7	.	.	PUNCT
fueconorg-12029	247	1	the	the	DET
fueconorg-12029	247	2	journal	journal	NOUN
fueconorg-12029	247	3	of	of	ADP
fueconorg-12029	247	4	risk	risk	NOUN
fueconorg-12029	247	5	and	and	CCONJ
fueconorg-12029	247	6	insurance	insurance	NOUN
fueconorg-12029	247	7	,	,	PUNCT
fueconorg-12029	247	8	79(4	79(4	NOUN
fueconorg-12029	247	9	)	)	PUNCT
fueconorg-12029	247	10	,	,	PUNCT
fueconorg-12029	247	11	995	995	NUM
fueconorg-12029	247	12	-	-	SYM
fueconorg-12029	247	13	1015	1015	NUM
fueconorg-12029	247	14	.	.	PUNCT
fueconorg-12029	248	1	https://doi.org/10.1111/j.1539-6975.2011.01458.x	https://doi.org/10.1111/j.1539-6975.2011.01458.x	PROPN
fueconorg-12029	248	2	chiappori	chiappori	PROPN
fueconorg-12029	248	3	,	,	PUNCT
fueconorg-12029	248	4	p.	p.	NOUN
fueconorg-12029	248	5	a.	a.	NOUN
fueconorg-12029	248	6	,	,	PUNCT
fueconorg-12029	248	7	salanié	salanié	NOUN
fueconorg-12029	248	8	,	,	PUNCT
fueconorg-12029	248	9	b.	b.	PROPN
fueconorg-12029	248	10	,	,	PUNCT
fueconorg-12029	248	11	(	(	PUNCT
fueconorg-12029	248	12	2000	2000	NUM
fueconorg-12029	248	13	.	.	PUNCT
fueconorg-12029	248	14	)	)	PUNCT
fueconorg-12029	248	15	.	.	PUNCT
fueconorg-12029	249	1	testing	test	VERB
fueconorg-12029	249	2	for	for	ADP
fueconorg-12029	249	3	asymmetric	asymmetric	ADJ
fueconorg-12029	249	4	information	information	NOUN
fueconorg-12029	249	5	in	in	ADP
fueconorg-12029	249	6	insurance	insurance	NOUN
fueconorg-12029	249	7	markets	market	NOUN
fueconorg-12029	249	8	.	.	PUNCT
fueconorg-12029	250	1	journal	journal	NOUN
fueconorg-12029	250	2	of	of	ADP
fueconorg-12029	250	3	political	political	ADJ
fueconorg-12029	250	4	economy	economy	NOUN
fueconorg-12029	250	5	,	,	PUNCT
fueconorg-12029	250	6	108(1	108(1	NUM
fueconorg-12029	250	7	)	)	PUNCT
fueconorg-12029	250	8	,	,	PUNCT
fueconorg-12029	250	9	56	56	NUM
fueconorg-12029	250	10	-	-	SYM
fueconorg-12029	250	11	78	78	NUM
fueconorg-12029	250	12	.	.	PUNCT
fueconorg-12029	251	1	https://doi.org/10.1086/262111	https://doi.org/10.1086/262111	PROPN
fueconorg-12029	251	2	cummins	cummin	NOUN
fueconorg-12029	251	3	,	,	PUNCT
fueconorg-12029	251	4	j.	j.	PROPN
fueconorg-12029	251	5	d.	d.	PROPN
fueconorg-12029	251	6	,	,	PUNCT
fueconorg-12029	251	7	outreville	outreville	PROPN
fueconorg-12029	251	8	,	,	PUNCT
fueconorg-12029	251	9	j.	j.	PROPN
fueconorg-12029	251	10	f.	f.	PROPN
fueconorg-12029	251	11	,	,	PUNCT
fueconorg-12029	251	12	(	(	PUNCT
fueconorg-12029	251	13	1987	1987	NUM
fueconorg-12029	251	14	)	)	PUNCT
fueconorg-12029	251	15	.	.	PUNCT
fueconorg-12029	252	1	an	an	DET
fueconorg-12029	252	2	international	international	ADJ
fueconorg-12029	252	3	analysis	analysis	NOUN
fueconorg-12029	252	4	of	of	ADP
fueconorg-12029	252	5	underwriting	underwriting	NOUN
fueconorg-12029	252	6	cycles	cycle	NOUN
fueconorg-12029	252	7	in	in	ADP
fueconorg-12029	252	8	property	property	NOUN
fueconorg-12029	252	9	-	-	PUNCT
fueconorg-12029	252	10	liability	liability	NOUN
fueconorg-12029	252	11	insurance	insurance	NOUN
fueconorg-12029	252	12	.	.	PUNCT
fueconorg-12029	253	1	the	the	DET
fueconorg-12029	253	2	journal	journal	NOUN
fueconorg-12029	253	3	of	of	ADP
fueconorg-12029	253	4	risk	risk	NOUN
fueconorg-12029	253	5	and	and	CCONJ
fueconorg-12029	253	6	insurance	insurance	NOUN
fueconorg-12029	253	7	,	,	PUNCT
fueconorg-12029	253	8	54(2	54(2	NUM
fueconorg-12029	253	9	)	)	PUNCT
fueconorg-12029	253	10	,	,	PUNCT
fueconorg-12029	253	11	246	246	NUM
fueconorg-12029	253	12	-	-	SYM
fueconorg-12029	253	13	262	262	NUM
fueconorg-12029	253	14	.	.	PUNCT
fueconorg-12029	253	15	available	available	ADJ
fueconorg-12029	253	16	at	at	ADP
fueconorg-12029	253	17	:	:	PUNCT
fueconorg-12029	253	18	https://www.stats.uwo.ca/	https://www.stats.uwo.ca/	ADJ
fueconorg-12029	253	19	faculty	faculty	NOUN
fueconorg-12029	253	20	/	/	SYM
fueconorg-12029	253	21	ren	ren	PROPN
fueconorg-12029	253	22	/	/	SYM
fueconorg-12029	253	23	seminar	seminar	NOUN
fueconorg-12029	253	24	/	/	SYM
fueconorg-12029	253	25	underwriting%20cycle.pdf	underwriting%20cycle.pdf	PROPN
fueconorg-12029	253	26	dionne	dionne	PROPN
fueconorg-12029	253	27	,	,	PUNCT
fueconorg-12029	253	28	g.	g.	PROPN
fueconorg-12029	253	29	,	,	PUNCT
fueconorg-12029	253	30	gouriéroux	gouriéroux	NOUN
fueconorg-12029	253	31	,	,	PUNCT
fueconorg-12029	253	32	c.	c.	PROPN
fueconorg-12029	253	33	,	,	PUNCT
fueconorg-12029	253	34	&	&	CCONJ
fueconorg-12029	253	35	vanasse	vanasse	NOUN
fueconorg-12029	253	36	,	,	PUNCT
fueconorg-12029	253	37	c.	c.	PROPN
fueconorg-12029	253	38	(	(	PUNCT
fueconorg-12029	253	39	2001	2001	NUM
fueconorg-12029	253	40	)	)	PUNCT
fueconorg-12029	253	41	.	.	PUNCT
fueconorg-12029	254	1	testing	test	VERB
fueconorg-12029	254	2	for	for	ADP
fueconorg-12029	254	3	evidence	evidence	NOUN
fueconorg-12029	254	4	of	of	ADP
fueconorg-12029	254	5	adverse	adverse	ADJ
fueconorg-12029	254	6	selection	selection	NOUN
fueconorg-12029	254	7	in	in	ADP
fueconorg-12029	254	8	the	the	DET
fueconorg-12029	254	9	automobile	automobile	NOUN
fueconorg-12029	254	10	insurance	insurance	NOUN
fueconorg-12029	254	11	market	market	NOUN
fueconorg-12029	254	12	.	.	PUNCT
fueconorg-12029	255	1	journal	journal	NOUN
fueconorg-12029	255	2	of	of	ADP
fueconorg-12029	255	3	political	political	ADJ
fueconorg-12029	255	4	economy	economy	NOUN
fueconorg-12029	255	5	,	,	PUNCT
fueconorg-12029	255	6	109(2	109(2	NUM
fueconorg-12029	255	7	)	)	PUNCT
fueconorg-12029	255	8	,	,	PUNCT
fueconorg-12029	255	9	444	444	NUM
fueconorg-12029	255	10	-	-	SYM
fueconorg-12029	255	11	473	473	NUM
fueconorg-12029	255	12	.	.	PUNCT
fueconorg-12029	256	1	https://doi.org/10.1086/319557	https://doi.org/10.1086/319557	X
fueconorg-12029	257	1	https://doi.org/10.1590/s1807-76922011000100004	https://doi.org/10.1590/s1807-76922011000100004	PROPN
fueconorg-12029	258	1	https://doi.org/10.1111/j.1539-6975.2011.01458.x	https://doi.org/10.1111/j.1539-6975.2011.01458.x	ADJ
fueconorg-12029	258	2	https://doi.org/10.1086/262111	https://doi.org/10.1086/262111	NOUN
fueconorg-12029	258	3	https://www.stats.uwo.ca/%0bfaculty/ren/seminar/underwriting%20cycle.pdf	https://www.stats.uwo.ca/%0bfaculty/ren/seminar/underwriting%20cycle.pdf	PROPN
fueconorg-12029	258	4	https://www.stats.uwo.ca/%0bfaculty/ren/seminar/underwriting%20cycle.pdf	https://www.stats.uwo.ca/%0bfaculty/ren/seminar/underwriting%20cycle.pdf	PROPN
fueconorg-12029	258	5	https://doi.org/10.1086/319557	https://doi.org/10.1086/319557	NOUN
fueconorg-12029	258	6	200	200	NUM
fueconorg-12029	258	7	m.	m.	NOUN
fueconorg-12029	258	8	milutinović	milutinović	PROPN
fueconorg-12029	258	9	doganjić	doganjić	PROPN
fueconorg-12029	258	10	,	,	PUNCT
fueconorg-12029	258	11	j.	j.	PROPN
fueconorg-12029	258	12	(	(	PUNCT
fueconorg-12029	258	13	2015	2015	NUM
fueconorg-12029	258	14	)	)	PUNCT
fueconorg-12029	258	15	.	.	PUNCT
fueconorg-12029	259	1	upravljanje	upravljanje	PROPN
fueconorg-12029	259	2	rizikom	rizikom	PROPN
fueconorg-12029	259	3	adekvatnosti	adekvatnosti	PROPN
fueconorg-12029	259	4	premije	premije	NOUN
fueconorg-12029	259	5	u	u	PRON
fueconorg-12029	259	6	neživotnom	neživotnom	NOUN
fueconorg-12029	259	7	osiguranju	osiguranju	ADV
fueconorg-12029	260	1	[	[	X
fueconorg-12029	260	2	risk	risk	NOUN
fueconorg-12029	260	3	management	management	NOUN
fueconorg-12029	260	4	of	of	ADP
fueconorg-12029	260	5	premium	premium	ADJ
fueconorg-12029	260	6	adequacy	adequacy	NOUN
fueconorg-12029	260	7	in	in	ADP
fueconorg-12029	260	8	non	non	ADJ
fueconorg-12029	260	9	-	-	ADJ
fueconorg-12029	260	10	life	life	ADJ
fueconorg-12029	260	11	insurance	insurance	NOUN
fueconorg-12029	260	12	]	]	PUNCT
fueconorg-12029	260	13	.	.	PUNCT
fueconorg-12029	261	1	ekonomski	ekonomski	PROPN
fueconorg-12029	261	2	pregled	pregle	VERB
fueconorg-12029	261	3	,	,	PUNCT
fueconorg-12029	261	4	17(1	17(1	NUM
fueconorg-12029	261	5	)	)	PUNCT
fueconorg-12029	261	6	,	,	PUNCT
fueconorg-12029	261	7	85	85	NUM
fueconorg-12029	261	8	-	-	SYM
fueconorg-12029	261	9	98	98	NUM
fueconorg-12029	261	10	.	.	PUNCT
fueconorg-12029	262	1	https://doi.org/10.5937/	https://doi.org/10.5937/	PROPN
fueconorg-12029	262	2	ekopog1501085d	ekopog1501085d	PROPN
fueconorg-12029	262	3	doganjić	doganjić	NOUN
fueconorg-12029	262	4	,	,	PUNCT
fueconorg-12029	262	5	j.	j.	PROPN
fueconorg-12029	262	6	(	(	PUNCT
fueconorg-12029	262	7	2018	2018	NUM
fueconorg-12029	262	8	)	)	PUNCT
fueconorg-12029	262	9	.	.	PUNCT
fueconorg-12029	263	1	osiguravačima	osiguravačima	PROPN
fueconorg-12029	263	2	neophodan	neophodan	PROPN
fueconorg-12029	263	3	sofisticirani	sofisticirani	PROPN
fueconorg-12029	263	4	sistem	sistem	PROPN
fueconorg-12029	263	5	upravljanja	upravljanja	PROPN
fueconorg-12029	263	6	rizicima	rizicima	PROPN
fueconorg-12029	263	7	[	[	X
fueconorg-12029	263	8	insurers	insurer	NOUN
fueconorg-12029	263	9	need	need	VERB
fueconorg-12029	263	10	a	a	DET
fueconorg-12029	263	11	sophisticated	sophisticated	ADJ
fueconorg-12029	263	12	risk	risk	NOUN
fueconorg-12029	263	13	management	management	NOUN
fueconorg-12029	263	14	system	system	NOUN
fueconorg-12029	263	15	]	]	PUNCT
fueconorg-12029	263	16	.	.	PUNCT
fueconorg-12029	264	1	svijet	svijet	PROPN
fueconorg-12029	264	2	osiguranja	osiguranja	PROPN
fueconorg-12029	264	3	,	,	PUNCT
fueconorg-12029	264	4	7/2018	7/2018	PROPN
fueconorg-12029	264	5	.	.	PUNCT
fueconorg-12029	265	1	available	available	ADJ
fueconorg-12029	265	2	at	at	ADP
fueconorg-12029	265	3	:	:	PUNCT
fueconorg-12029	265	4	https://www	https://www	PROPN
fueconorg-12029	265	5	.	.	PUNCT
fueconorg-12029	266	1	svijetosiguranja.eu/osiguravacima-neophodan-sofisticirani-sistem-upravljanja-rizicima/	svijetosiguranja.eu/osiguravacima-neophodan-sofisticirani-sistem-upravljanja-rizicima/	ADJ
fueconorg-12029	266	2	dropkin	dropkin	PROPN
fueconorg-12029	266	3	,	,	PUNCT
fueconorg-12029	266	4	l.	l.	PROPN
fueconorg-12029	266	5	b.	b.	PROPN
fueconorg-12029	266	6	(	(	PUNCT
fueconorg-12029	266	7	1964	1964	NUM
fueconorg-12029	266	8	)	)	PUNCT
fueconorg-12029	266	9	.	.	PUNCT
fueconorg-12029	267	1	size	size	NOUN
fueconorg-12029	267	2	of	of	ADP
fueconorg-12029	267	3	loss	loss	NOUN
fueconorg-12029	267	4	distributions	distribution	NOUN
fueconorg-12029	267	5	in	in	ADP
fueconorg-12029	267	6	workmen	workmen	PROPN
fueconorg-12029	267	7	’s	’s	PART
fueconorg-12029	267	8	compensation	compensation	NOUN
fueconorg-12029	267	9	insurance	insurance	NOUN
fueconorg-12029	267	10	.	.	PUNCT
fueconorg-12029	268	1	in	in	ADP
fueconorg-12029	268	2	proceedings	proceeding	NOUN
fueconorg-12029	268	3	of	of	ADP
fueconorg-12029	268	4	the	the	DET
fueconorg-12029	268	5	casualty	casualty	NOUN
fueconorg-12029	268	6	actuarial	actuarial	ADJ
fueconorg-12029	268	7	society	society	NOUN
fueconorg-12029	268	8	(	(	PUNCT
fueconorg-12029	268	9	vol	vol	NOUN
fueconorg-12029	268	10	.	.	PROPN
fueconorg-12029	269	1	51	51	NUM
fueconorg-12029	269	2	,	,	PUNCT
fueconorg-12029	269	3	pp	pp	ADJ
fueconorg-12029	269	4	.	.	PUNCT
fueconorg-12029	270	1	198	198	NUM
fueconorg-12029	270	2	-	-	SYM
fueconorg-12029	270	3	223	223	NUM
fueconorg-12029	270	4	)	)	PUNCT
fueconorg-12029	270	5	.	.	PUNCT
fueconorg-12029	271	1	klugman	klugman	PROPN
fueconorg-12029	271	2	,	,	PUNCT
fueconorg-12029	271	3	s.	s.	PROPN
fueconorg-12029	271	4	,	,	PUNCT
fueconorg-12029	271	5	panjer	panjer	PROPN
fueconorg-12029	271	6	,	,	PUNCT
fueconorg-12029	271	7	h.	h.	PROPN
fueconorg-12029	271	8	,	,	PUNCT
fueconorg-12029	271	9	&	&	CCONJ
fueconorg-12029	271	10	willmot	willmot	NOUN
fueconorg-12029	271	11	,	,	PUNCT
fueconorg-12029	271	12	g.	g.	PROPN
fueconorg-12029	271	13	(	(	PUNCT
fueconorg-12029	271	14	2004	2004	NUM
fueconorg-12029	271	15	)	)	PUNCT
fueconorg-12029	271	16	.	.	PUNCT
fueconorg-12029	272	1	loss	loss	NOUN
fueconorg-12029	272	2	models	model	NOUN
fueconorg-12029	272	3	-	-	PUNCT
fueconorg-12029	272	4	from	from	ADP
fueconorg-12029	272	5	data	datum	NOUN
fueconorg-12029	272	6	to	to	ADP
fueconorg-12029	272	7	decision	decision	NOUN
fueconorg-12029	272	8	.	.	PUNCT
fueconorg-12029	273	1	john	john	PROPN
fueconorg-12029	273	2	wiley	wiley	PROPN
fueconorg-12029	273	3			PROPN
fueconorg-12029	273	4	sons	son	NOUN
fueconorg-12029	273	5	,	,	PUNCT
fueconorg-12029	273	6	inc	inc	PROPN
fueconorg-12029	273	7	.	.	PROPN
fueconorg-12029	274	1	hoboken	hoboken	PROPN
fueconorg-12029	274	2	lamm	lamm	PROPN
fueconorg-12029	274	3	-	-	PUNCT
fueconorg-12029	274	4	tennant	tennant	PROPN
fueconorg-12029	274	5	,	,	PUNCT
fueconorg-12029	274	6	j.	j.	PROPN
fueconorg-12029	274	7	,	,	PUNCT
fueconorg-12029	274	8	weiss	weiss	PROPN
fueconorg-12029	274	9	,	,	PUNCT
fueconorg-12029	274	10	m.	m.	NOUN
fueconorg-12029	274	11	a.	a.	NOUN
fueconorg-12029	274	12	(	(	PUNCT
fueconorg-12029	274	13	1997	1997	NUM
fueconorg-12029	274	14	)	)	PUNCT
fueconorg-12029	274	15	.	.	PUNCT
fueconorg-12029	275	1	international	international	ADJ
fueconorg-12029	275	2	insurance	insurance	NOUN
fueconorg-12029	275	3	cycles	cycle	NOUN
fueconorg-12029	275	4	:	:	PUNCT
fueconorg-12029	275	5	rational	rational	ADJ
fueconorg-12029	275	6	expectations	expectation	NOUN
fueconorg-12029	275	7	/	/	SYM
fueconorg-12029	275	8	institutional	institutional	ADJ
fueconorg-12029	275	9	intervention	intervention	NOUN
fueconorg-12029	275	10	.	.	PUNCT
fueconorg-12029	276	1	journal	journal	NOUN
fueconorg-12029	276	2	of	of	ADP
fueconorg-12029	276	3	risk	risk	NOUN
fueconorg-12029	276	4	and	and	CCONJ
fueconorg-12029	276	5	insurance	insurance	NOUN
fueconorg-12029	276	6	,	,	PUNCT
fueconorg-12029	276	7	64(3	64(3	NOUN
fueconorg-12029	276	8	)	)	PUNCT
fueconorg-12029	276	9	,	,	PUNCT
fueconorg-12029	276	10	415	415	NUM
fueconorg-12029	276	11	-	-	SYM
fueconorg-12029	276	12	439	439	NUM
fueconorg-12029	276	13	.	.	PUNCT
fueconorg-12029	277	1	https://doi.org/10.2307/253758	https://doi.org/10.2307/253758	PROPN
fueconorg-12029	277	2	leng	leng	PROPN
fueconorg-12029	277	3	,	,	PUNCT
fueconorg-12029	277	4	c.	c.	PROPN
fueconorg-12029	277	5	,	,	PUNCT
fueconorg-12029	277	6	&	&	CCONJ
fueconorg-12029	277	7	meier	meier	PROPN
fueconorg-12029	277	8	,	,	PUNCT
fueconorg-12029	277	9	u.	u.	PROPN
fueconorg-12029	277	10	b.	b.	PROPN
fueconorg-12029	277	11	(	(	PUNCT
fueconorg-12029	277	12	2006	2006	NUM
fueconorg-12029	277	13	)	)	PUNCT
fueconorg-12029	277	14	.	.	PUNCT
fueconorg-12029	278	1	analysis	analysis	NOUN
fueconorg-12029	278	2	of	of	ADP
fueconorg-12029	278	3	multi	multi	ADJ
fueconorg-12029	278	4	-	-	ADJ
fueconorg-12029	278	5	national	national	ADJ
fueconorg-12029	278	6	underwriting	underwriting	NOUN
fueconorg-12029	278	7	cycles	cycle	NOUN
fueconorg-12029	278	8	in	in	ADP
fueconorg-12029	278	9	property	property	NOUN
fueconorg-12029	278	10	-	-	PUNCT
fueconorg-12029	278	11	liability	liability	NOUN
fueconorg-12029	278	12	insurance	insurance	NOUN
fueconorg-12029	278	13	.	.	PUNCT
fueconorg-12029	279	1	journal	journal	NOUN
fueconorg-12029	279	2	of	of	ADP
fueconorg-12029	279	3	risk	risk	NOUN
fueconorg-12029	279	4	finance	finance	NOUN
fueconorg-12029	279	5	,	,	PUNCT
fueconorg-12029	279	6	7(2	7(2	NUM
fueconorg-12029	279	7	)	)	PUNCT
fueconorg-12029	279	8	,	,	PUNCT
fueconorg-12029	279	9	146	146	NUM
fueconorg-12029	279	10	-	-	SYM
fueconorg-12029	279	11	159	159	NUM
fueconorg-12029	279	12	.	.	PUNCT
fueconorg-12029	280	1	https://doi.org/10.1108/15265940610648599	https://doi.org/10.1108/15265940610648599	VERB
fueconorg-12029	280	2	manikowski	manikowski	ADV
fueconorg-12029	280	3	,	,	PUNCT
fueconorg-12029	280	4	p.	p.	NOUN
fueconorg-12029	280	5	(	(	PUNCT
fueconorg-12029	280	6	2012	2012	NUM
fueconorg-12029	280	7	)	)	PUNCT
fueconorg-12029	280	8	.	.	PUNCT
fueconorg-12029	281	1	volatility	volatility	NOUN
fueconorg-12029	281	2	or	or	CCONJ
fueconorg-12029	281	3	cyclicality	cyclicality	NOUN
fueconorg-12029	281	4	:	:	PUNCT
fueconorg-12029	281	5	the	the	DET
fueconorg-12029	281	6	polish	polish	ADJ
fueconorg-12029	281	7	non	non	ADJ
fueconorg-12029	281	8	-	-	ADJ
fueconorg-12029	281	9	life	life	ADJ
fueconorg-12029	281	10	insurance	insurance	NOUN
fueconorg-12029	281	11	market	market	NOUN
fueconorg-12029	281	12	.	.	PUNCT
fueconorg-12029	282	1	international	international	ADJ
fueconorg-12029	282	2	journal	journal	PROPN
fueconorg-12029	282	3	of	of	ADP
fueconorg-12029	282	4	economics	economic	NOUN
fueconorg-12029	282	5	and	and	CCONJ
fueconorg-12029	282	6	finance	finance	NOUN
fueconorg-12029	282	7	studies	study	NOUN
fueconorg-12029	282	8	,	,	PUNCT
fueconorg-12029	282	9	4(1	4(1	NOUN
fueconorg-12029	282	10	)	)	PUNCT
fueconorg-12029	282	11	,	,	PUNCT
fueconorg-12029	282	12	191	191	NUM
fueconorg-12029	282	13	-	-	SYM
fueconorg-12029	282	14	200	200	NUM
fueconorg-12029	282	15	.	.	PUNCT
fueconorg-12029	283	1	meier	meier	PROPN
fueconorg-12029	283	2	,	,	PUNCT
fueconorg-12029	283	3	u.	u.	PROPN
fueconorg-12029	283	4	b.	b.	PROPN
fueconorg-12029	283	5	,	,	PUNCT
fueconorg-12029	283	6	&	&	CCONJ
fueconorg-12029	283	7	outreville	outreville	PROPN
fueconorg-12029	283	8	,	,	PUNCT
fueconorg-12029	283	9	j.	j.	PROPN
fueconorg-12029	283	10	f.	f.	PROPN
fueconorg-12029	283	11	(	(	PUNCT
fueconorg-12029	283	12	2006	2006	NUM
fueconorg-12029	283	13	)	)	PUNCT
fueconorg-12029	283	14	.	.	PUNCT
fueconorg-12029	284	1	business	business	NOUN
fueconorg-12029	284	2	cycles	cycle	NOUN
fueconorg-12029	284	3	in	in	ADP
fueconorg-12029	284	4	insurance	insurance	NOUN
fueconorg-12029	284	5	and	and	CCONJ
fueconorg-12029	284	6	reinsurance	reinsurance	NOUN
fueconorg-12029	284	7	:	:	PUNCT
fueconorg-12029	284	8	the	the	DET
fueconorg-12029	284	9	case	case	NOUN
fueconorg-12029	284	10	of	of	ADP
fueconorg-12029	284	11	france	france	PROPN
fueconorg-12029	284	12	,	,	PUNCT
fueconorg-12029	284	13	germany	germany	PROPN
fueconorg-12029	284	14	and	and	CCONJ
fueconorg-12029	284	15	switzerland	switzerland	PROPN
fueconorg-12029	284	16	.	.	PUNCT
fueconorg-12029	285	1	the	the	DET
fueconorg-12029	285	2	journal	journal	NOUN
fueconorg-12029	285	3	of	of	ADP
fueconorg-12029	285	4	risk	risk	NOUN
fueconorg-12029	285	5	finance,7(2	finance,7(2	PROPN
fueconorg-12029	285	6	)	)	PUNCT
fueconorg-12029	285	7	,	,	PUNCT
fueconorg-12029	285	8	160	160	NUM
fueconorg-12029	285	9	-	-	SYM
fueconorg-12029	285	10	176	176	NUM
fueconorg-12029	285	11	.	.	PUNCT
fueconorg-12029	286	1	https://doi.org/10.1108/	https://doi.org/10.1108/	PROPN
fueconorg-12029	286	2	15265940610648607	15265940610648607	NUM
fueconorg-12029	286	3	mihelja	mihelja	NOUN
fueconorg-12029	286	4	žaja	žaja	PROPN
fueconorg-12029	286	5	m.	m.	NOUN
fueconorg-12029	286	6	,	,	PUNCT
fueconorg-12029	286	7	(	(	PUNCT
fueconorg-12029	286	8	2013	2013	NUM
fueconorg-12029	286	9	)	)	PUNCT
fueconorg-12029	286	10	.	.	PUNCT
fueconorg-12029	287	1	utjecaj	utjecaj	NOUN
fueconorg-12029	287	2	učestalosti	učestalosti	NOUN
fueconorg-12029	287	3	i	i	PRON
fueconorg-12029	287	4	veeličine	veeličine	VERB
fueconorg-12029	287	5	distribucije	distribucije	NOUN
fueconorg-12029	287	6	šteta	šteta	ADJ
fueconorg-12029	287	7	na	na	ADP
fueconorg-12029	287	8	osigurateljne	osigurateljne	NOUN
fueconorg-12029	287	9	cikluse	cikluse	NOUN
fueconorg-12029	287	10	,	,	PUNCT
fueconorg-12029	287	11	doktorska	doktorska	ADJ
fueconorg-12029	287	12	disertacija	disertacija	NOUN
fueconorg-12029	288	1	[	[	X
fueconorg-12029	288	2	the	the	DET
fueconorg-12029	288	3	influence	influence	NOUN
fueconorg-12029	288	4	of	of	ADP
fueconorg-12029	288	5	the	the	DET
fueconorg-12029	288	6	frequency	frequency	NOUN
fueconorg-12029	288	7	and	and	CCONJ
fueconorg-12029	288	8	size	size	NOUN
fueconorg-12029	288	9	of	of	ADP
fueconorg-12029	288	10	the	the	DET
fueconorg-12029	288	11	distribution	distribution	NOUN
fueconorg-12029	288	12	of	of	ADP
fueconorg-12029	288	13	claims	claim	NOUN
fueconorg-12029	288	14	on	on	ADP
fueconorg-12029	288	15	insurance	insurance	NOUN
fueconorg-12029	288	16	cycles	cycle	NOUN
fueconorg-12029	288	17	]	]	PUNCT
fueconorg-12029	288	18	,	,	PUNCT
fueconorg-12029	288	19	phd	phd	NOUN
fueconorg-12029	288	20	dissertation	dissertation	NOUN
fueconorg-12029	288	21	.	.	PUNCT
fueconorg-12029	289	1	zagreb	zagreb	PROPN
fueconorg-12029	289	2	:	:	PUNCT
fueconorg-12029	289	3	ekonomski	ekonomski	PROPN
fueconorg-12029	289	4	fakultet	fakultet	NOUN
fueconorg-12029	289	5	.	.	PUNCT
fueconorg-12029	290	1	mihelja	mihelja	PROPN
fueconorg-12029	290	2	žaja	žaja	PROPN
fueconorg-12029	290	3	,	,	PUNCT
fueconorg-12029	290	4	m.	m.	NOUN
fueconorg-12029	290	5	,	,	PUNCT
fueconorg-12029	290	6	jakovčević	jakovčević	PROPN
fueconorg-12029	290	7	,	,	PUNCT
fueconorg-12029	290	8	d.	d.	PROPN
fueconorg-12029	290	9	,	,	PUNCT
fueconorg-12029	290	10	&	&	CCONJ
fueconorg-12029	290	11	anđelinović	anđelinović	PROPN
fueconorg-12029	290	12	,	,	PUNCT
fueconorg-12029	290	13	m.	m.	NOUN
fueconorg-12029	290	14	(	(	PUNCT
fueconorg-12029	290	15	2014	2014	NUM
fueconorg-12029	290	16	)	)	PUNCT
fueconorg-12029	290	17	.	.	PUNCT
fueconorg-12029	291	1	osigurateljni	osigurateljni	ADJ
fueconorg-12029	291	2	ciklus	ciklus	PROPN
fueconorg-12029	291	3	u	u	NOUN
fueconorg-12029	291	4	republici	republici	ADJ
fueconorg-12029	291	5	hrvastkoj	hrvastkoj	NOUN
fueconorg-12029	292	1	[	[	X
fueconorg-12029	292	2	insurance	insurance	NOUN
fueconorg-12029	292	3	cycle	cycle	NOUN
fueconorg-12029	292	4	in	in	ADP
fueconorg-12029	292	5	the	the	DET
fueconorg-12029	292	6	republic	republic	NOUN
fueconorg-12029	292	7	of	of	ADP
fueconorg-12029	292	8	croatia	croatia	PROPN
fueconorg-12029	292	9	]	]	PUNCT
fueconorg-12029	292	10	.	.	PUNCT
fueconorg-12029	293	1	zbornik	zbornik	PROPN
fueconorg-12029	293	2	radova	radova	PROPN
fueconorg-12029	293	3	s	s	X
fueconorg-12029	293	4	međunarodne	međunarodne	PROPN
fueconorg-12029	293	5	znanstveno	znanstveno	PROPN
fueconorg-12029	293	6	-	-	PUNCT
fueconorg-12029	293	7	stručne	stručne	PROPN
fueconorg-12029	293	8	konferencije	konferencije	PROPN
fueconorg-12029	293	9	dani	dani	PROPN
fueconorg-12029	293	10	hrvatskog	hrvatskog	PROPN
fueconorg-12029	293	11	osiguranja	osiguranja	PROPN
fueconorg-12029	293	12	2014	2014	NUM
fueconorg-12029	293	13	.	.	PUNCT
fueconorg-12029	294	1	ćorić	ćorić	PROPN
fueconorg-12029	294	2	,	,	PUNCT
fueconorg-12029	294	3	s.	s.	PROPN
fueconorg-12029	294	4	,	,	PUNCT
fueconorg-12029	294	5	ćurković	ćurković	NOUN
fueconorg-12029	294	6	,	,	PUNCT
fueconorg-12029	294	7	m.	m.	NOUN
fueconorg-12029	294	8	,	,	PUNCT
fueconorg-12029	294	9	dobrić	dobrić	ADJ
fueconorg-12029	294	10	,	,	PUNCT
fueconorg-12029	294	11	s.	s.	PROPN
fueconorg-12029	294	12	;	;	PUNCT
fueconorg-12029	294	13	krišto	krišto	PROPN
fueconorg-12029	294	14	,	,	PUNCT
fueconorg-12029	294	15	j.	j.	PROPN
fueconorg-12029	294	16	,	,	PUNCT
fueconorg-12029	294	17	piškurić	piškurić	PROPN
fueconorg-12029	294	18	,	,	PUNCT
fueconorg-12029	294	19	m.	m.	NOUN
fueconorg-12029	294	20	(	(	PUNCT
fueconorg-12029	294	21	eds	ed	NOUN
fueconorg-12029	294	22	.	.	PUNCT
fueconorg-12029	294	23	)	)	PUNCT
fueconorg-12029	294	24	.	.	PUNCT
fueconorg-12029	295	1	zagreb	zagreb	PROPN
fueconorg-12029	295	2	:	:	PUNCT
fueconorg-12029	295	3	hrvatska	hrvatska	PROPN
fueconorg-12029	295	4	gospodarska	gospodarska	PROPN
fueconorg-12029	295	5	komora	komora	PROPN
fueconorg-12029	295	6	,	,	PUNCT
fueconorg-12029	295	7	2014	2014	NUM
fueconorg-12029	295	8	(	(	PUNCT
fueconorg-12029	295	9	pp	pp	ADJ
fueconorg-12029	295	10	.	.	PUNCT
fueconorg-12029	296	1	95	95	NUM
fueconorg-12029	296	2	-	-	SYM
fueconorg-12029	296	3	104	104	NUM
fueconorg-12029	296	4	)	)	PUNCT
fueconorg-12029	296	5	.	.	PUNCT
fueconorg-12029	297	1	njegomir	njegomir	PROPN
fueconorg-12029	297	2	,	,	PUNCT
fueconorg-12029	297	3	v.	v.	CCONJ
fueconorg-12029	297	4	(	(	PUNCT
fueconorg-12029	297	5	2006	2006	NUM
fueconorg-12029	297	6	)	)	PUNCT
fueconorg-12029	297	7	.	.	PUNCT
fueconorg-12029	298	1	ciklični	ciklični	PROPN
fueconorg-12029	298	2	karakter	karakter	PROPN
fueconorg-12029	298	3	industrije	industrije	PROPN
fueconorg-12029	298	4	osiguranja	osiguranja	PROPN
fueconorg-12029	299	1	i	i	PRON
fueconorg-12029	299	2	reosiguranja	reosiguranja	VERB
fueconorg-12029	300	1	[	[	X
fueconorg-12029	300	2	cyclical	cyclical	ADJ
fueconorg-12029	300	3	nature	nature	NOUN
fueconorg-12029	300	4	of	of	ADP
fueconorg-12029	300	5	the	the	DET
fueconorg-12029	300	6	insurance	insurance	NOUN
fueconorg-12029	300	7	and	and	CCONJ
fueconorg-12029	300	8	reinsurance	reinsurance	NOUN
fueconorg-12029	300	9	industry	industry	NOUN
fueconorg-12029	300	10	]	]	PUNCT
fueconorg-12029	300	11	.	.	PUNCT
fueconorg-12029	301	1	industrija	industrija	ADJ
fueconorg-12029	301	2	,	,	PUNCT
fueconorg-12029	301	3	34(4	34(4	NUM
fueconorg-12029	301	4	)	)	PUNCT
fueconorg-12029	301	5	,	,	PUNCT
fueconorg-12029	301	6	47	47	NUM
fueconorg-12029	301	7	-	-	SYM
fueconorg-12029	301	8	61	61	NUM
fueconorg-12029	301	9	.	.	PUNCT
fueconorg-12029	301	10	outreville	outreville	NOUN
fueconorg-12029	301	11	,	,	PUNCT
fueconorg-12029	301	12	j.	j.	PROPN
fueconorg-12029	301	13	f.	f.	PROPN
fueconorg-12029	301	14	(	(	PUNCT
fueconorg-12029	301	15	1990	1990	NUM
fueconorg-12029	301	16	)	)	PUNCT
fueconorg-12029	301	17	.	.	PUNCT
fueconorg-12029	302	1	underwriting	underwriting	NOUN
fueconorg-12029	302	2	cycles	cycle	NOUN
fueconorg-12029	302	3	and	and	CCONJ
fueconorg-12029	302	4	rate	rate	NOUN
fueconorg-12029	302	5	regulation	regulation	NOUN
fueconorg-12029	302	6	in	in	ADP
fueconorg-12029	302	7	automobile	automobile	NOUN
fueconorg-12029	302	8	insurance	insurance	NOUN
fueconorg-12029	302	9	.	.	PUNCT
fueconorg-12029	303	1	journal	journal	NOUN
fueconorg-12029	303	2	of	of	ADP
fueconorg-12029	303	3	insurance	insurance	NOUN
fueconorg-12029	303	4	regulation	regulation	NOUN
fueconorg-12029	303	5	,	,	PUNCT
fueconorg-12029	303	6	9	9	NUM
fueconorg-12029	303	7	,	,	PUNCT
fueconorg-12029	303	8	274	274	NUM
fueconorg-12029	303	9	-	-	SYM
fueconorg-12029	303	10	286	286	NUM
fueconorg-12029	303	11	.	.	PUNCT
fueconorg-12029	304	1	panjer	panjer	NOUN
fueconorg-12029	304	2	,	,	PUNCT
fueconorg-12029	304	3	h.	h.	PROPN
fueconorg-12029	304	4	h.	h.	PROPN
fueconorg-12029	304	5	,	,	PUNCT
fueconorg-12029	304	6	&	&	CCONJ
fueconorg-12029	304	7	willmot	willmot	NOUN
fueconorg-12029	304	8	,	,	PUNCT
fueconorg-12029	304	9	g.	g.	PROPN
fueconorg-12029	304	10	e.	e.	PROPN
fueconorg-12029	304	11	(	(	PUNCT
fueconorg-12029	304	12	1992	1992	NUM
fueconorg-12029	304	13	)	)	PUNCT
fueconorg-12029	304	14	.	.	PUNCT
fueconorg-12029	305	1	insurance	insurance	NOUN
fueconorg-12029	305	2	risk	risk	NOUN
fueconorg-12029	305	3	models	model	NOUN
fueconorg-12029	305	4	.	.	PUNCT
fueconorg-12029	306	1	schaumburg	schaumburg	PROPN
fueconorg-12029	306	2	:	:	PUNCT
fueconorg-12029	306	3	the	the	DET
fueconorg-12029	306	4	society	society	NOUN
fueconorg-12029	306	5	of	of	ADP
fueconorg-12029	306	6	actuaries	actuary	NOUN
fueconorg-12029	306	7	..	..	PUNCT
fueconorg-12029	307	1	papush	papush	PROPN
fueconorg-12029	307	2	,	,	PUNCT
fueconorg-12029	307	3	d.	d.	PROPN
fueconorg-12029	307	4	e.	e.	PROPN
fueconorg-12029	307	5	,	,	PUNCT
fueconorg-12029	307	6	patrik	patrik	PROPN
fueconorg-12029	307	7	,	,	PUNCT
fueconorg-12029	307	8	g.	g.	PROPN
fueconorg-12029	307	9	s.	s.	PROPN
fueconorg-12029	307	10	,	,	PUNCT
fueconorg-12029	307	11	&	&	CCONJ
fueconorg-12029	307	12	podgaits	podgait	NOUN
fueconorg-12029	307	13	,	,	PUNCT
fueconorg-12029	307	14	f.	f.	PROPN
fueconorg-12029	307	15	(	(	PUNCT
fueconorg-12029	307	16	2001	2001	NUM
fueconorg-12029	307	17	)	)	PUNCT
fueconorg-12029	307	18	.	.	PUNCT
fueconorg-12029	308	1	approximations	approximation	NOUN
fueconorg-12029	308	2	of	of	ADP
fueconorg-12029	308	3	the	the	DET
fueconorg-12029	308	4	aggregate	aggregate	ADJ
fueconorg-12029	308	5	loss	loss	NOUN
fueconorg-12029	308	6	distribution	distribution	NOUN
fueconorg-12029	308	7	.	.	PUNCT
fueconorg-12029	309	1	casualty	casualty	NOUN
fueconorg-12029	309	2	actuarial	actuarial	PROPN
fueconorg-12029	309	3	society	society	NOUN
fueconorg-12029	309	4	forum	forum	PROPN
fueconorg-12029	309	5	,	,	PUNCT
fueconorg-12029	309	6	winter	winter	NOUN
fueconorg-12029	309	7	2001	2001	NUM
fueconorg-12029	309	8	edition	edition	NOUN
fueconorg-12029	309	9	,	,	PUNCT
fueconorg-12029	309	10	176	176	NUM
fueconorg-12029	309	11	-	-	SYM
fueconorg-12029	309	12	186	186	NUM
fueconorg-12029	309	13	.	.	PUNCT
fueconorg-12029	309	14	available	available	ADJ
fueconorg-12029	309	15	at	at	ADP
fueconorg-12029	309	16	:	:	PUNCT
fueconorg-12029	309	17	https://www.casact.org/	https://www.casact.org/	NOUN
fueconorg-12029	309	18	sites	site	NOUN
fueconorg-12029	309	19	/	/	SYM
fueconorg-12029	309	20	default	default	NOUN
fueconorg-12029	309	21	/	/	SYM
fueconorg-12029	309	22	files	file	NOUN
fueconorg-12029	309	23	/	/	SYM
fueconorg-12029	309	24	database	database	NOUN
fueconorg-12029	309	25	/	/	SYM
fueconorg-12029	309	26	forum_01wforum_01wf175.pdf	forum_01wforum_01wf175.pdf	NOUN
fueconorg-12029	309	27	parkinson	parkinson	NOUN
fueconorg-12029	309	28	,	,	PUNCT
fueconorg-12029	309	29	d.	d.	PROPN
fueconorg-12029	309	30	,	,	PUNCT
fueconorg-12029	309	31	&	&	CCONJ
fueconorg-12029	309	32	noble	noble	ADJ
fueconorg-12029	309	33	,	,	PUNCT
fueconorg-12029	309	34	j.	j.	PROPN
fueconorg-12029	309	35	(	(	PUNCT
fueconorg-12029	309	36	2005	2005	NUM
fueconorg-12029	309	37	)	)	PUNCT
fueconorg-12029	309	38	.	.	PUNCT
fueconorg-12029	310	1	oxford	oxford	PROPN
fueconorg-12029	310	2	business	business	PROPN
fueconorg-12029	310	3	english	english	PROPN
fueconorg-12029	310	4	dictionary	dictionary	PROPN
fueconorg-12029	310	5	.	.	PUNCT
fueconorg-12029	311	1	oxford	oxford	PROPN
fueconorg-12029	311	2	university	university	PROPN
fueconorg-12029	311	3	press	press	NOUN
fueconorg-12029	311	4	,	,	PUNCT
fueconorg-12029	311	5	oxford	oxford	PROPN
fueconorg-12029	311	6	,	,	PUNCT
fueconorg-12029	311	7	uk	uk	PROPN
fueconorg-12029	311	8	pavlović	pavlović	VERB
fueconorg-12029	311	9	,	,	PUNCT
fueconorg-12029	311	10	b.	b.	PROPN
fueconorg-12029	311	11	(	(	PUNCT
fueconorg-12029	311	12	2010	2010	NUM
fueconorg-12029	311	13	)	)	PUNCT
fueconorg-12029	311	14	.	.	PUNCT
fueconorg-12029	312	1	adekvatnost	adekvatnost	NOUN
fueconorg-12029	312	2	rezervacije	rezervacije	PROPN
fueconorg-12029	312	3	obaveza	obaveza	PROPN
fueconorg-12029	312	4	za	za	PROPN
fueconorg-12029	312	5	štete	štete	INTJ
fueconorg-12029	312	6	(	(	PUNCT
fueconorg-12029	312	7	run	run	VERB
fueconorg-12029	312	8	off	off	ADP
fueconorg-12029	312	9	analiza	analiza	NOUN
fueconorg-12029	312	10	)	)	PUNCT
fueconorg-12029	313	1	[	[	X
fueconorg-12029	313	2	adequacy	adequacy	NOUN
fueconorg-12029	313	3	of	of	ADP
fueconorg-12029	313	4	provisions	provision	NOUN
fueconorg-12029	313	5	for	for	ADP
fueconorg-12029	313	6	claims	claim	NOUN
fueconorg-12029	313	7	(	(	PUNCT
fueconorg-12029	313	8	run	run	VERB
fueconorg-12029	313	9	off	off	ADP
fueconorg-12029	313	10	analysis	analysis	NOUN
fueconorg-12029	313	11	)	)	PUNCT
fueconorg-12029	313	12	]	]	PUNCT
fueconorg-12029	313	13	.	.	PUNCT
fueconorg-12029	314	1	in	in	ADP
fueconorg-12029	314	2	:	:	PUNCT
fueconorg-12029	314	3	zbornik	zbornik	X
fueconorg-12029	314	4	:	:	PUNCT
fueconorg-12029	314	5	problemi	problemi	PROPN
fueconorg-12029	314	6	poslovanja	poslovanja	NOUN
fueconorg-12029	314	7	osiguravajućih	osiguravajućih	NOUN
fueconorg-12029	314	8	kompanija	kompanija	PROPN
fueconorg-12029	314	9	u	u	PROPN
fueconorg-12029	314	10	uslovima	uslovima	ADJ
fueconorg-12029	314	11	krize	krize	NOUN
fueconorg-12029	314	12	,	,	PUNCT
fueconorg-12029	314	13	kočović	kočović	PROPN
fueconorg-12029	314	14	,	,	PUNCT
fueconorg-12029	314	15	j.	j.	PROPN
fueconorg-12029	314	16	,	,	PUNCT
fueconorg-12029	314	17	hanić	hanić	PROPN
fueconorg-12029	314	18	,	,	PUNCT
fueconorg-12029	314	19	h.(ed	h.(ed	PROPN
fueconorg-12029	314	20	.	.	PUNCT
fueconorg-12029	314	21	)	)	PUNCT
fueconorg-12029	314	22	,	,	PUNCT
fueconorg-12029	314	23	beograd	beograd	PROPN
fueconorg-12029	314	24	:	:	PUNCT
fueconorg-12029	314	25	institut	institut	PROPN
fueconorg-12029	314	26	za	za	PROPN
fueconorg-12029	314	27	osiguranje	osiguranje	VERB
fueconorg-12029	314	28	i	i	PRON
fueconorg-12029	314	29	aktuarstvo	aktuarstvo	INTJ
fueconorg-12029	314	30	(	(	PUNCT
fueconorg-12029	314	31	pp	pp	ADJ
fueconorg-12029	314	32	.	.	PUNCT
fueconorg-12029	315	1	239	239	NUM
fueconorg-12029	315	2	-	-	SYM
fueconorg-12029	315	3	260	260	NUM
fueconorg-12029	315	4	)	)	PUNCT
fueconorg-12029	315	5	.	.	PUNCT
fueconorg-12029	316	1	rejda	rejda	NOUN
fueconorg-12029	316	2	,	,	PUNCT
fueconorg-12029	316	3	g.	g.	PROPN
fueconorg-12029	316	4	e.	e.	PROPN
fueconorg-12029	316	5	(	(	PUNCT
fueconorg-12029	316	6	2005	2005	NUM
fueconorg-12029	316	7	)	)	PUNCT
fueconorg-12029	316	8	.	.	PUNCT
fueconorg-12029	317	1	principles	principle	NOUN
fueconorg-12029	317	2	of	of	ADP
fueconorg-12029	317	3	risk	risk	NOUN
fueconorg-12029	317	4	management	management	NOUN
fueconorg-12029	317	5	and	and	CCONJ
fueconorg-12029	317	6	insurance	insurance	NOUN
fueconorg-12029	317	7	.	.	PUNCT
fueconorg-12029	318	1	pearson	pearson	PROPN
fueconorg-12029	318	2	education	education	PROPN
fueconorg-12029	318	3	inc	inc	PROPN
fueconorg-12029	318	4	.	.	PROPN
fueconorg-12029	318	5	sibindi	sibindi	PROPN
fueconorg-12029	318	6	,	,	PUNCT
fueconorg-12029	318	7	a.	a.	PROPN
fueconorg-12029	318	8	b.	b.	PROPN
fueconorg-12029	318	9	(	(	PUNCT
fueconorg-12029	318	10	2015	2015	NUM
fueconorg-12029	318	11	)	)	PUNCT
fueconorg-12029	318	12	.	.	PUNCT
fueconorg-12029	319	1	the	the	DET
fueconorg-12029	319	2	art	art	NOUN
fueconorg-12029	319	3	of	of	ADP
fueconorg-12029	319	4	alternative	alternative	ADJ
fueconorg-12029	319	5	risk	risk	NOUN
fueconorg-12029	319	6	transfer	transfer	NOUN
fueconorg-12029	319	7	methods	method	NOUN
fueconorg-12029	319	8	of	of	ADP
fueconorg-12029	319	9	insurance	insurance	NOUN
fueconorg-12029	319	10	.	.	PUNCT
fueconorg-12029	320	1	risk	risk	NOUN
fueconorg-12029	320	2	governance	governance	NOUN
fueconorg-12029	320	3	&	&	CCONJ
fueconorg-12029	320	4	control	control	PROPN
fueconorg-12029	320	5	:	:	PUNCT
fueconorg-12029	320	6	financial	financial	ADJ
fueconorg-12029	320	7	markets	market	NOUN
fueconorg-12029	320	8	&	&	CCONJ
fueconorg-12029	320	9	institutions	institution	NOUN
fueconorg-12029	320	10	,	,	PUNCT
fueconorg-12029	320	11	5(4	5(4	NUM
fueconorg-12029	320	12	-	-	SYM
fueconorg-12029	320	13	1	1	NUM
fueconorg-12029	320	14	)	)	PUNCT
fueconorg-12029	320	15	,	,	PUNCT
fueconorg-12029	320	16	223	223	NUM
fueconorg-12029	320	17	-	-	SYM
fueconorg-12029	320	18	231	231	NUM
fueconorg-12029	320	19	.	.	PUNCT
fueconorg-12029	321	1	https://doi.org/10.22495/rgcv5i4c1art11	https://doi.org/10.22495/rgcv5i4c1art11	NUM
fueconorg-12029	321	2	skurnik	skurnik	X
fueconorg-12029	321	3	,	,	PUNCT
fueconorg-12029	321	4	d.	d.	PROPN
fueconorg-12029	321	5	(	(	PUNCT
fueconorg-12029	321	6	1993	1993	NUM
fueconorg-12029	321	7	)	)	PUNCT
fueconorg-12029	321	8	.	.	PUNCT
fueconorg-12029	322	1	the	the	DET
fueconorg-12029	322	2	underwriting	underwriting	NOUN
fueconorg-12029	322	3	cycle	cycle	NOUN
fueconorg-12029	322	4	.	.	PUNCT
fueconorg-12029	323	1	casulty	casulty	PROPN
fueconorg-12029	323	2	acturial	acturial	PROPN
fueconorg-12029	323	3	society	society	PROPN
fueconorg-12029	323	4	forum	forum	PROPN
fueconorg-12029	323	5	,	,	PUNCT
fueconorg-12029	323	6	summer	summer	NOUN
fueconorg-12029	323	7	1993	1993	NUM
fueconorg-12029	323	8	edition	edition	NOUN
fueconorg-12029	323	9	,	,	PUNCT
fueconorg-12029	323	10	377	377	NUM
fueconorg-12029	323	11	-	-	SYM
fueconorg-12029	323	12	384	384	NUM
fueconorg-12029	323	13	.	.	PUNCT
fueconorg-12029	324	1	taylor	taylor	PROPN
fueconorg-12029	324	2	,	,	PUNCT
fueconorg-12029	324	3	g.	g.	PROPN
fueconorg-12029	324	4	(	(	PUNCT
fueconorg-12029	324	5	1994	1994	NUM
fueconorg-12029	324	6	)	)	PUNCT
fueconorg-12029	324	7	.	.	PUNCT
fueconorg-12029	325	1	fair	fair	ADJ
fueconorg-12029	325	2	premium	premium	NOUN
fueconorg-12029	325	3	rating	rating	NOUN
fueconorg-12029	325	4	methods	method	NOUN
fueconorg-12029	325	5	and	and	CCONJ
fueconorg-12029	325	6	the	the	DET
fueconorg-12029	325	7	relations	relation	NOUN
fueconorg-12029	325	8	between	between	ADP
fueconorg-12029	325	9	them	they	PRON
fueconorg-12029	325	10	.	.	PUNCT
fueconorg-12029	326	1	journal	journal	PROPN
fueconorg-12029	326	2	of	of	ADP
fueconorg-12029	326	3	risk	risk	NOUN
fueconorg-12029	326	4	and	and	CCONJ
fueconorg-12029	326	5	insurance	insurance	NOUN
fueconorg-12029	326	6	,	,	PUNCT
fueconorg-12029	326	7	61(4	61(4	NUM
fueconorg-12029	326	8	)	)	PUNCT
fueconorg-12029	326	9	,	,	PUNCT
fueconorg-12029	326	10	592	592	NUM
fueconorg-12029	326	11	-	-	SYM
fueconorg-12029	326	12	615	615	NUM
fueconorg-12029	326	13	.	.	PUNCT
fueconorg-12029	327	1	https://doi.org/10.2307/253640	https://doi.org/10.2307/253640	ADJ
fueconorg-12029	327	2	trufin	trufin	NOUN
fueconorg-12029	327	3	,	,	PUNCT
fueconorg-12029	327	4	j.	j.	PROPN
fueconorg-12029	327	5	,	,	PUNCT
fueconorg-12029	327	6	albrecher	albrecher	PROPN
fueconorg-12029	327	7	,	,	PUNCT
fueconorg-12029	327	8	h.	h.	PROPN
fueconorg-12029	327	9	,	,	PUNCT
fueconorg-12029	327	10	&	&	CCONJ
fueconorg-12029	327	11	denuit	denuit	PROPN
fueconorg-12029	327	12	,	,	PUNCT
fueconorg-12029	327	13	m.	m.	NOUN
fueconorg-12029	327	14	(	(	PUNCT
fueconorg-12029	327	15	2009	2009	NUM
fueconorg-12029	327	16	)	)	PUNCT
fueconorg-12029	327	17	.	.	PUNCT
fueconorg-12029	328	1	impact	impact	NOUN
fueconorg-12029	328	2	of	of	ADP
fueconorg-12029	328	3	underwriting	underwriting	NOUN
fueconorg-12029	328	4	cycles	cycle	NOUN
fueconorg-12029	328	5	on	on	ADP
fueconorg-12029	328	6	the	the	DET
fueconorg-12029	328	7	solvency	solvency	NOUN
fueconorg-12029	328	8	of	of	ADP
fueconorg-12029	328	9	an	an	DET
fueconorg-12029	328	10	insurance	insurance	NOUN
fueconorg-12029	328	11	company	company	NOUN
fueconorg-12029	328	12	.	.	PUNCT
fueconorg-12029	329	1	north	north	ADJ
fueconorg-12029	329	2	american	american	ADJ
fueconorg-12029	329	3	actuarial	actuarial	ADJ
fueconorg-12029	329	4	journal	journal	NOUN
fueconorg-12029	329	5	,	,	PUNCT
fueconorg-12029	329	6	13(3	13(3	NUM
fueconorg-12029	329	7	)	)	PUNCT
fueconorg-12029	329	8	,	,	PUNCT
fueconorg-12029	329	9	385	385	NUM
fueconorg-12029	329	10	-	-	SYM
fueconorg-12029	329	11	403	403	NUM
fueconorg-12029	329	12	.	.	PUNCT
fueconorg-12029	330	1	https://doi.org/10.1080/10920277	https://doi.org/10.1080/10920277	NOUN
fueconorg-12029	330	2	.	.	PUNCT
fueconorg-12029	331	1	2009.10597564	2009.10597564	NUM
fueconorg-12029	331	2	venezian	venezian	NOUN
fueconorg-12029	331	3	,	,	PUNCT
fueconorg-12029	331	4	e.	e.	PROPN
fueconorg-12029	331	5	c.	c.	PROPN
fueconorg-12029	331	6	(	(	PUNCT
fueconorg-12029	331	7	1985	1985	NUM
fueconorg-12029	331	8	)	)	PUNCT
fueconorg-12029	331	9	.	.	PUNCT
fueconorg-12029	332	1	ratemaking	ratemaking	NOUN
fueconorg-12029	332	2	methods	method	NOUN
fueconorg-12029	332	3	and	and	CCONJ
fueconorg-12029	332	4	profit	profit	NOUN
fueconorg-12029	332	5	cycles	cycle	NOUN
fueconorg-12029	332	6	in	in	ADP
fueconorg-12029	332	7	property	property	NOUN
fueconorg-12029	332	8	and	and	CCONJ
fueconorg-12029	332	9	liability	liability	NOUN
fueconorg-12029	332	10	insurance	insurance	NOUN
fueconorg-12029	332	11	.	.	PUNCT
fueconorg-12029	333	1	journal	journal	NOUN
fueconorg-12029	333	2	of	of	ADP
fueconorg-12029	333	3	risk	risk	NOUN
fueconorg-12029	333	4	and	and	CCONJ
fueconorg-12029	333	5	insurance	insurance	NOUN
fueconorg-12029	333	6	,	,	PUNCT
fueconorg-12029	333	7	52(3	52(3	NOUN
fueconorg-12029	333	8	)	)	PUNCT
fueconorg-12029	333	9	,	,	PUNCT
fueconorg-12029	333	10	477	477	NUM
fueconorg-12029	333	11	-	-	SYM
fueconorg-12029	333	12	500	500	NUM
fueconorg-12029	333	13	.	.	PUNCT
fueconorg-12029	334	1	https://doi.org/10.2307/252782	https://doi.org/10.2307/252782	X
fueconorg-12029	335	1	zakon	zakon	NOUN
fueconorg-12029	335	2	o	o	NOUN
fueconorg-12029	335	3	osiguranju	osiguranju	ADJ
fueconorg-12029	336	1	[	[	X
fueconorg-12029	336	2	law	law	NOUN
fueconorg-12029	336	3	on	on	ADP
fueconorg-12029	336	4	insurance	insurance	NOUN
fueconorg-12029	336	5	]	]	PUNCT
fueconorg-12029	336	6	.	.	PUNCT
fueconorg-12029	337	1	sl	sl	PROPN
fueconorg-12029	337	2	.	.	PUNCT
fueconorg-12029	337	3	glasnik	glasnik	PROPN
fueconorg-12029	337	4	rs	rs	PROPN
fueconorg-12029	337	5	br	br	PROPN
fueconorg-12029	337	6	.	.	PROPN
fueconorg-12029	337	7	139/2014	139/2014	NUM
fueconorg-12029	337	8	,	,	PUNCT
fueconorg-12029	337	9	44/2021	44/2021	NUM
fueconorg-12029	337	10	.	.	PUNCT
fueconorg-12029	338	1	https://doi.org/10.5937/ekopog1501085d	https://doi.org/10.5937/ekopog1501085d	ADV
fueconorg-12029	338	2	https://doi.org/10.5937/ekopog1501085d	https://doi.org/10.5937/ekopog1501085d	ADJ
fueconorg-12029	338	3	https://www.svijetosiguranja.eu/osiguravacima-neophodan-sofisticirani-sistem-upravljanja-rizicima/	https://www.svijetosiguranja.eu/osiguravacima-neophodan-sofisticirani-sistem-upravljanja-rizicima/	VERB
fueconorg-12029	338	4	https://www.svijetosiguranja.eu/osiguravacima-neophodan-sofisticirani-sistem-upravljanja-rizicima/	https://www.svijetosiguranja.eu/osiguravacima-neophodan-sofisticirani-sistem-upravljanja-rizicima/	VERB
fueconorg-12029	338	5	https://doi.org/10.2307/253758	https://doi.org/10.2307/253758	ADV
fueconorg-12029	338	6	https://doi.org/10.1108/15265940610648599	https://doi.org/10.1108/15265940610648599	VERB
fueconorg-12029	338	7	https://doi.org/10.1108/15265940610648607	https://doi.org/10.1108/15265940610648607	VERB
fueconorg-12029	338	8	https://doi.org/10.1108/15265940610648607	https://doi.org/10.1108/15265940610648607	VERB
fueconorg-12029	338	9	https://www.casact.org/sites/default/files/database/forum_01wforum_01wf175.pdf	https://www.casact.org/sites/default/files/database/forum_01wforum_01wf175.pdf	NOUN
fueconorg-12029	338	10	https://www.casact.org/sites/default/files/database/forum_01wforum_01wf175.pdf	https://www.casact.org/sites/default/files/database/forum_01wforum_01wf175.pdf	NOUN
fueconorg-12029	338	11	https://doi.org/10.22495/rgcv5i4c1art11	https://doi.org/10.22495/rgcv5i4c1art11	NUM
fueconorg-12029	338	12	https://doi.org/10.2307/253640	https://doi.org/10.2307/253640	NOUN
fueconorg-12029	339	1	https://doi.org/10.1080/10920277.2009.10597564	https://doi.org/10.1080/10920277.2009.10597564	PROPN
fueconorg-12029	339	2	https://doi.org/10.1080/10920277.2009.10597564	https://doi.org/10.1080/10920277.2009.10597564	NUM
fueconorg-12029	340	1	https://doi.org/10.2307/252782	https://doi.org/10.2307/252782	NOUN
fueconorg-12029	340	2	risk	risk	NOUN
fueconorg-12029	340	3	factors	factor	NOUN
fueconorg-12029	340	4	for	for	ADP
fueconorg-12029	340	5	the	the	DET
fueconorg-12029	340	6	occurrence	occurrence	NOUN
fueconorg-12029	340	7	of	of	ADP
fueconorg-12029	340	8	claims	claim	NOUN
fueconorg-12029	340	9	and	and	CCONJ
fueconorg-12029	340	10	the	the	DET
fueconorg-12029	340	11	adequacy	adequacy	NOUN
fueconorg-12029	340	12	of	of	ADP
fueconorg-12029	340	13	non	non	ADJ
fueconorg-12029	340	14	-	-	ADJ
fueconorg-12029	340	15	life	life	ADJ
fueconorg-12029	340	16	insurance	insurance	NOUN
fueconorg-12029	340	17	premiums	premium	NOUN
fueconorg-12029	340	18	201	201	NUM
fueconorg-12029	340	19	faktori	faktori	NOUN
fueconorg-12029	340	20	rizika	rizika	NOUN
fueconorg-12029	340	21	nastanka	nastanka	PROPN
fueconorg-12029	340	22	šteta	šteta	PROPN
fueconorg-12029	341	1	i	i	PRON
fueconorg-12029	341	2	adekvatnost	adekvatnost	VERB
fueconorg-12029	341	3	premije	premije	NOUN
fueconorg-12029	341	4	neživotnih	neživotnih	PROPN
fueconorg-12029	341	5	osiguranja	osiguranja	PROPN
fueconorg-12029	341	6	da	da	PROPN
fueconorg-12029	341	7	bi	bi	PROPN
fueconorg-12029	341	8	očuvali	očuvali	PROPN
fueconorg-12029	341	9	stabilnost	stabilnost	PROPN
fueconorg-12029	341	10	poslovanja	poslovanja	VERB
fueconorg-12029	342	1	i	i	PRON
fueconorg-12029	342	2	obezbedili	obezbedili	NOUN
fueconorg-12029	342	3	izvršenje	izvršenje	PROPN
fueconorg-12029	342	4	preuzetih	preuzetih	PROPN
fueconorg-12029	342	5	obaveza	obaveza	PROPN
fueconorg-12029	342	6	,	,	PUNCT
fueconorg-12029	342	7	osiguravači	osiguravači	PROPN
fueconorg-12029	342	8	nastoje	nastoje	NOUN
fueconorg-12029	342	9	da	da	NOUN
fueconorg-12029	342	10	obezbede	obezbede	NOUN
fueconorg-12029	342	11	adekvatne	adekvatne	NOUN
fueconorg-12029	342	12	sisteme	sisteme	PROPN
fueconorg-12029	342	13	za	za	PROPN
fueconorg-12029	342	14	identifikovanje	identifikovanje	PROPN
fueconorg-12029	342	15	i	i	PRON
fueconorg-12029	342	16	merenja	merenja	PROPN
fueconorg-12029	342	17	rizika	rizika	PROPN
fueconorg-12029	342	18	.	.	PUNCT
fueconorg-12029	343	1	identifikovanje	identifikovanje	PROPN
fueconorg-12029	343	2	izvora	izvora	PROPN
fueconorg-12029	343	3	faktora	faktora	PROPN
fueconorg-12029	343	4	rizika	rizika	PROPN
fueconorg-12029	343	5	neadekvatnosti	neadekvatnosti	PROPN
fueconorg-12029	343	6	premije	premije	PROPN
fueconorg-12029	344	1	i	i	PROPN
fueconorg-12029	344	2	iznalaženje	iznalaženje	PROPN
fueconorg-12029	344	3	rešenja	rešenja	PROPN
fueconorg-12029	344	4	za	za	PROPN
fueconorg-12029	344	5	ublažavanje	ublažavanje	PROPN
fueconorg-12029	344	6	rizika	rizika	PROPN
fueconorg-12029	344	7	je	je	PROPN
fueconorg-12029	344	8	od	od	PROPN
fueconorg-12029	344	9	krucijalne	krucijalne	PROPN
fueconorg-12029	344	10	važnosti	važnosti	PROPN
fueconorg-12029	344	11	za	za	PROPN
fueconorg-12029	344	12	mogućnost	mogućnost	PROPN
fueconorg-12029	344	13	osiguravajućih	osiguravajućih	NOUN
fueconorg-12029	345	1	kompanija	kompanija	PROPN
fueconorg-12029	345	2	da	da	PROPN
fueconorg-12029	345	3	pokriju	pokriju	PROPN
fueconorg-12029	345	4	štete	štete	ADJ
fueconorg-12029	345	5	i	i	PRON
fueconorg-12029	345	6	obezbede	obezbede	VERB
fueconorg-12029	345	7	kontinuitet	kontinuitet	NOUN
fueconorg-12029	345	8	poslovanja	poslovanja	NOUN
fueconorg-12029	345	9	.	.	PUNCT
fueconorg-12029	346	1	zato	zato	PROPN
fueconorg-12029	346	2	je	je	PROPN
fueconorg-12029	347	1	i	i	PRON
fueconorg-12029	347	2	cilj	cilj	ADJ
fueconorg-12029	347	3	ovog	ovog	PROPN
fueconorg-12029	347	4	rada	rada	PROPN
fueconorg-12029	347	5	da	da	PROPN
fueconorg-12029	347	6	kroz	kroz	PROPN
fueconorg-12029	347	7	prikaz	prikaz	PROPN
fueconorg-12029	347	8	uticaja	uticaja	ADJ
fueconorg-12029	347	9	nastanka	nastanka	PROPN
fueconorg-12029	347	10	šteta	šteta	PROPN
fueconorg-12029	347	11	utiču	utiču	NOUN
fueconorg-12029	347	12	na	na	PART
fueconorg-12029	347	13	adekvatnost	adekvatnost	VERB
fueconorg-12029	347	14	premije	premije	NOUN
fueconorg-12029	348	1	i	i	PRON
fueconorg-12029	349	1	i	i	PROPN
fueconorg-12029	349	2	doprinese	doprinese	VERB
fueconorg-12029	349	3	eliminisanju	eliminisanju	PROPN
fueconorg-12029	349	4	ili	ili	PROPN
fueconorg-12029	349	5	ublažavanju	ublažavanju	PROPN
fueconorg-12029	349	6	rizika	rizika	PROPN
fueconorg-12029	349	7	nedovoljnosti	nedovoljnosti	PROPN
fueconorg-12029	349	8	premije	premije	PROPN
fueconorg-12029	349	9	.	.	PUNCT
fueconorg-12029	350	1	ključne	ključne	PROPN
fueconorg-12029	350	2	reči	reči	NOUN
fueconorg-12029	350	3	:	:	PUNCT
fueconorg-12029	350	4	štete	štete	ADJ
fueconorg-12029	350	5	,	,	PUNCT
fueconorg-12029	350	6	premija	premija	NOUN
fueconorg-12029	350	7	,	,	PUNCT
fueconorg-12029	350	8	rizik	rizik	NOUN
fueconorg-12029	350	9	,	,	PUNCT
fueconorg-12029	350	10	rezerve	rezerve	NOUN
fueconorg-12029	350	11	,	,	PUNCT
fueconorg-12029	350	12	premijska	premijska	NOUN
fueconorg-12029	350	13	nestabilnost	nestabilnost	NOUN