Description: This panel discussion focuses on expense analysis and allocation. Areas addressed include standard of measure used, inconsistencies in expense allocations, and alternate methods of allocation of marketing expenses.

Description: This panel discussion is about expense assumptions in pricing. It focused on: 1. What were the historical approaches to expense loadings in premium rates of life and casualty lines? 2. What are the fundamental differences in life vs. casualty expense assumptions? 3. Current changes. 4. Future possibilities.