Where should we grow, maintain, improve profitability or reduce? The Decision Question Portfolio steering requires more than knowing which segments are profitable today. Underwriters also need to know whether those segments remain attractive enough to support, and whether the current price adequately reflects the risk being taken. A segment can be attractive but underpriced. Another can be adequately priced but offer little strategic value. A third may combine strong economic

Where is the portfolio changing? Is growth improving or weakening the mix? The Decision Question Where is the portfolio changing, what is producing the change, and are the segments gaining share strengthening or weakening the expected result? Default practice Portfolio reporting usually starts with total premium growth, policy count and an overall loss ratio. These measures establish the size and direction of the book, but they can hide a material change in composition. Prem

Edition 15 used the Differential Lift Chart to show where the proposed model changes the pricing signal, whether observed experience supports that change, and how much exposure sits in each decile. This edition takes the next committee step: once the lift chart shows where the model wants to move price, the pack should show who receives the largest implied total increases, what drives those increases, and how much policy and premium volume is affected. The Decision Question W

The Decision Question This edition continues the Pricing Committee Pack series with a review of the model lift view. Does the proposed pricing model identify risk better than the current rating plan, and does that difference matter enough to action? A lift view belongs between the technical model build and the selected pricing action. It is the evidence page that shows whether the model is finding economically useful segmentation on data it did not train on. What Lift Means B