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To: eddie r gammon who wrote (82363)1/5/2000 10:52:00 AM
From: IceShark  Respond to of 86076
 
re: that HMO. I bet it is a classic case of shagging up the claim rate and tail. Pretty easy to do, actually. Sort of like the property and casualty guys getting smacked by a couple more hurricanes than they expected. -g-