{
  "title": "Insurance ratemaking input provenance for AI review",
  "source_page": "https://fiund.com/industries/insurance-ratemaking-input-data",
  "authorship": "Original fictional Fiund editorial exercise. No actual operating records or third-party source assets are included.",
  "example": {
    "title": "An exposure-unit change and an added cohort prevent a raw total comparison",
    "context": "Invented exposure extracts use artificial cohort names and arbitrary counts. No premium model, loss history, customer record or filed rate is represented.",
    "records": [
      [
        "RI1",
        "Extract E1",
        "Period P, cohort A only: 120 policy-months. Commentary M cites E1 and describes its month basis."
      ],
      [
        "RI2",
        "Extract E2 change log",
        "Same period P: A=10 policy-years, added cohort B=5 policy-years. Explicit rule for this fixture: 12 policy-months per policy-year."
      ],
      [
        "RI3",
        "Review note",
        "B absent from E1. No evidence that E1's omission means zero B exposure, and no loss figures or rate calculation supplied."
      ]
    ],
    "question": "Which A comparison is supported after unit reconciliation, and can E2's 15 total be called a drop from E1's 120?",
    "answer": "RI2's stated conversion maps A's ten policy-years to 120 policy-months, matching RI1's A exposure. The raw figures 120 and 15 mix units and populations: E2 also adds cohort B. RI3 supplies no prior B amount, so the complete-population change remains unresolved. Commentary M describes E1 and should not be silently relabeled as analysis of E2. No premium or risk conclusion follows from this input check.",
    "failureModes": [
      "Comparing exposure totals across different units without conversion.",
      "Treating an absent earlier cohort as a measured zero or reusing old commentary for a revised extract."
    ],
    "fields": [
      [
        "Extract version and cohort scope",
        "Defines the population."
      ],
      [
        "Exposure value, unit and conversion rule",
        "Supports a comparable measure."
      ],
      [
        "Commentary parent and missing component",
        "Preserves the source of interpretation."
      ]
    ],
    "holdout": "Add E1's B exposure as 60 policy-months. Require a same-scope total comparison of 180 policy-months in each version, without inventing a rate effect.",
    "boundary": "Use original fictitious extracts. Exclude actual exposure and loss data, proprietary factors and rating decisions."
  }
}