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@@ -0,0 +1,9559 @@
+{
+ "cells": [
+  {
+   "cell_type": "markdown",
+   "metadata": {},
+   "source": [
+    "# Chapter 13 - Berquist-Sherman Techniques\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 70,
+   "id": "4f167abb",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "import numpy as np\n",
+    "import pandas as pd\n",
+    "import chainladder as cl\n",
+    "import matplotlib.pyplot as plt\n",
+    "from IPython.display import display\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "14d81d85",
+   "metadata": {},
+   "source": [
+    "## P294 (Exhibit I Sheet 1)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 71,
+   "id": "6e3881d3",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>2897000.0</td>\n",
+       "      <td>5160000.0</td>\n",
+       "      <td>10714000.0</td>\n",
+       "      <td>15228000.0</td>\n",
+       "      <td>16611000.0</td>\n",
+       "      <td>20899000.0</td>\n",
+       "      <td>22892000.0</td>\n",
+       "      <td>23506000.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>4828000.0</td>\n",
+       "      <td>10707000.0</td>\n",
+       "      <td>16907000.0</td>\n",
+       "      <td>22840000.0</td>\n",
+       "      <td>26211000.0</td>\n",
+       "      <td>31970000.0</td>\n",
+       "      <td>32216000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>5455000.0</td>\n",
+       "      <td>11941000.0</td>\n",
+       "      <td>20733000.0</td>\n",
+       "      <td>30928000.0</td>\n",
+       "      <td>42395000.0</td>\n",
+       "      <td>48377000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>8732000.0</td>\n",
+       "      <td>18633000.0</td>\n",
+       "      <td>32143000.0</td>\n",
+       "      <td>57196000.0</td>\n",
+       "      <td>61163000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>11228000.0</td>\n",
+       "      <td>19967000.0</td>\n",
+       "      <td>50143000.0</td>\n",
+       "      <td>73733000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>8706000.0</td>\n",
+       "      <td>33459000.0</td>\n",
+       "      <td>63477000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>12928000.0</td>\n",
+       "      <td>48904000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>15791000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "              12          24          36          48          60          72  \\\n",
+       "1969   2897000.0   5160000.0  10714000.0  15228000.0  16611000.0  20899000.0   \n",
+       "1970   4828000.0  10707000.0  16907000.0  22840000.0  26211000.0  31970000.0   \n",
+       "1971   5455000.0  11941000.0  20733000.0  30928000.0  42395000.0  48377000.0   \n",
+       "1972   8732000.0  18633000.0  32143000.0  57196000.0  61163000.0         NaN   \n",
+       "1973  11228000.0  19967000.0  50143000.0  73733000.0         NaN         NaN   \n",
+       "1974   8706000.0  33459000.0  63477000.0         NaN         NaN         NaN   \n",
+       "1975  12928000.0  48904000.0         NaN         NaN         NaN         NaN   \n",
+       "1976  15791000.0         NaN         NaN         NaN         NaN         NaN   \n",
+       "\n",
+       "              84          96  \n",
+       "1969  22892000.0  23506000.0  \n",
+       "1970  32216000.0         NaN  \n",
+       "1971         NaN         NaN  \n",
+       "1972         NaN         NaN  \n",
+       "1973         NaN         NaN  \n",
+       "1974         NaN         NaN  \n",
+       "1975         NaN         NaN  \n",
+       "1976         NaN         NaN  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>1.781</td>\n",
+       "      <td>2.076</td>\n",
+       "      <td>1.421</td>\n",
+       "      <td>1.091</td>\n",
+       "      <td>1.258</td>\n",
+       "      <td>1.095</td>\n",
+       "      <td>1.027</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>2.218</td>\n",
+       "      <td>1.579</td>\n",
+       "      <td>1.351</td>\n",
+       "      <td>1.148</td>\n",
+       "      <td>1.220</td>\n",
+       "      <td>1.008</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>2.189</td>\n",
+       "      <td>1.736</td>\n",
+       "      <td>1.492</td>\n",
+       "      <td>1.371</td>\n",
+       "      <td>1.141</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>2.134</td>\n",
+       "      <td>1.725</td>\n",
+       "      <td>1.779</td>\n",
+       "      <td>1.069</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>1.778</td>\n",
+       "      <td>2.511</td>\n",
+       "      <td>1.470</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3.843</td>\n",
+       "      <td>1.897</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3.783</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "1969  1.781  2.076  1.421  1.091  1.258  1.095  1.027\n",
+       "1970  2.218  1.579  1.351  1.148  1.220  1.008    NaN\n",
+       "1971  2.189  1.736  1.492  1.371  1.141    NaN    NaN\n",
+       "1972  2.134  1.725  1.779  1.069    NaN    NaN    NaN\n",
+       "1973  1.778  2.511  1.470    NaN    NaN    NaN    NaN\n",
+       "1974  3.843  1.897    NaN    NaN    NaN    NaN    NaN\n",
+       "1975  3.783    NaN    NaN    NaN    NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>(All)</th>\n",
+       "      <td>2.532</td>\n",
+       "      <td>1.921</td>\n",
+       "      <td>1.503</td>\n",
+       "      <td>1.17</td>\n",
+       "      <td>1.206</td>\n",
+       "      <td>1.052</td>\n",
+       "      <td>1.027</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "       12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "(All)  2.532  1.921  1.503   1.17  1.206  1.052  1.027"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "      <th>96-108</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Selected</th>\n",
+       "      <td>2.532</td>\n",
+       "      <td>1.921</td>\n",
+       "      <td>1.503</td>\n",
+       "      <td>1.170</td>\n",
+       "      <td>1.206</td>\n",
+       "      <td>1.052</td>\n",
+       "      <td>1.027</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>CDF to Ultimate</th>\n",
+       "      <td>11.145</td>\n",
+       "      <td>4.402</td>\n",
+       "      <td>2.291</td>\n",
+       "      <td>1.524</td>\n",
+       "      <td>1.303</td>\n",
+       "      <td>1.080</td>\n",
+       "      <td>1.027</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Percent Reported</th>\n",
+       "      <td>0.090</td>\n",
+       "      <td>0.227</td>\n",
+       "      <td>0.436</td>\n",
+       "      <td>0.656</td>\n",
+       "      <td>0.767</td>\n",
+       "      <td>0.926</td>\n",
+       "      <td>0.974</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                   12-24  24-36  36-48  48-60  60-72  72-84  84-96  96-108\n",
+       "Selected           2.532  1.921  1.503  1.170  1.206  1.052  1.027     1.0\n",
+       "CDF to Ultimate   11.145  4.402  2.291  1.524  1.303  1.080  1.027     1.0\n",
+       "Percent Reported   0.090  0.227  0.436  0.656  0.767  0.926  0.974     1.0"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "mm = cl.load_sample(\"friedland_med_mal\")\n",
+    "reported = mm[\"Reported Claims\"]\n",
+    "\n",
+    "# Part 1\n",
+    "exhibit_i_s1_tri = reported.to_frame(origin_as_datetime=False)\n",
+    "display(exhibit_i_s1_tri)\n",
+    "\n",
+    "# Part 2 \n",
+    "display(np.round(reported.link_ratio.to_frame(origin_as_datetime=False), 3))\n",
+    "\n",
+    "# Part 3\n",
+    "dev_reported = cl.Development(average=\"simple\").fit(reported)\n",
+    "display(np.round(dev_reported.ldf_.to_frame(), 3))\n",
+    "\n",
+    "# Part 4\n",
+    "selected_ldf = {\n",
+    "    12: 2.532,\n",
+    "    24: 1.921,\n",
+    "    36: 1.503,\n",
+    "    48: 1.170,\n",
+    "    60: 1.206,\n",
+    "    72: 1.052,\n",
+    "    84: 1.027,\n",
+    "    96: 1.000,\n",
+    "}\n",
+    "# or this\n",
+    "avg_ldf = np.round(dev_reported.ldf_.to_frame().values.flatten(), 3)\n",
+    "selected_ldf = dict(zip([12, 24, 36, 48, 60, 72, 84, 96], [*avg_ldf, 1.000]))\n",
+    "\n",
+    "reported_dev = cl.DevelopmentConstant(patterns=selected_ldf, style=\"ldf\").fit(reported)\n",
+    "cdf = np.round(reported_dev.cdf_.to_frame().values.flatten(), 3) # it's unclear why the text shows different CDFs here, not reconciling using rounded nor unroudned values\n",
+    "pct_reported = np.round(1.0 / cdf, 3)\n",
+    "\n",
+    "exhibit_i_s1_sel = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Selected\": list(selected_ldf.values()),\n",
+    "        \"CDF to Ultimate\": cdf,\n",
+    "        \"Percent Reported\": pct_reported,\n",
+    "    },\n",
+    "    index=[\"12-24\", \"24-36\", \"36-48\", \"48-60\", \"60-72\", \"72-84\", \"84-96\", \"96-108\"],\n",
+    ")\n",
+    "display(exhibit_i_s1_sel.T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 72,
+   "id": "8fa7d637",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit I Sheet 1 — reconcile to Friedland PDF p294\n",
+    "exhibit_i_s1_ata = np.round(reported.link_ratio.to_frame(origin_as_datetime=False), 3)\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s1_ata,\n",
+    "    [\n",
+    "        [1.781, 2.076, 1.421, 1.091, 1.258, 1.095, 1.027],\n",
+    "        [2.218, 1.579, 1.351, 1.148, 1.220, 1.008, np.nan],\n",
+    "        [2.189, 1.736, 1.492, 1.371, 1.141, np.nan, np.nan],\n",
+    "        [2.134, 1.725, 1.779, 1.069, np.nan, np.nan, np.nan],\n",
+    "        [1.778, 2.511, 1.470, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [3.843, 1.897, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [3.783, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round(dev_reported.ldf_.to_frame().values.flatten(), 3),\n",
+    "    [2.532, 1.921, 1.503, 1.170, 1.206, 1.052, 1.027],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s1_sel[\"CDF to Ultimate\"],\n",
+    "    [11.145, 4.402, 2.291, 1.524, 1.303, 1.080, 1.027, 1.000],\n",
+    "    atol=0.01,\n",
+    ")\n",
+    "\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "1dfc56ba",
+   "metadata": {},
+   "source": [
+    "## P295 (Exhibit I Sheet 2)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 73,
+   "id": "afa3b53e",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>125000.0</td>\n",
+       "      <td>406000.0</td>\n",
+       "      <td>1443000.0</td>\n",
+       "      <td>2986000.0</td>\n",
+       "      <td>4467000.0</td>\n",
+       "      <td>8179000.0</td>\n",
+       "      <td>12638000.0</td>\n",
+       "      <td>15815000.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>43000.0</td>\n",
+       "      <td>529000.0</td>\n",
+       "      <td>2016000.0</td>\n",
+       "      <td>3641000.0</td>\n",
+       "      <td>7523000.0</td>\n",
+       "      <td>14295000.0</td>\n",
+       "      <td>18983000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>295000.0</td>\n",
+       "      <td>1147000.0</td>\n",
+       "      <td>2479000.0</td>\n",
+       "      <td>5071000.0</td>\n",
+       "      <td>11399000.0</td>\n",
+       "      <td>17707000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>50000.0</td>\n",
+       "      <td>786000.0</td>\n",
+       "      <td>3810000.0</td>\n",
+       "      <td>9771000.0</td>\n",
+       "      <td>18518000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>213000.0</td>\n",
+       "      <td>833000.0</td>\n",
+       "      <td>3599000.0</td>\n",
+       "      <td>11292000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>172000.0</td>\n",
+       "      <td>1587000.0</td>\n",
+       "      <td>6267000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>210000.0</td>\n",
+       "      <td>1565000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>209000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "            12         24         36          48          60          72  \\\n",
+       "1969  125000.0   406000.0  1443000.0   2986000.0   4467000.0   8179000.0   \n",
+       "1970   43000.0   529000.0  2016000.0   3641000.0   7523000.0  14295000.0   \n",
+       "1971  295000.0  1147000.0  2479000.0   5071000.0  11399000.0  17707000.0   \n",
+       "1972   50000.0   786000.0  3810000.0   9771000.0  18518000.0         NaN   \n",
+       "1973  213000.0   833000.0  3599000.0  11292000.0         NaN         NaN   \n",
+       "1974  172000.0  1587000.0  6267000.0         NaN         NaN         NaN   \n",
+       "1975  210000.0  1565000.0        NaN         NaN         NaN         NaN   \n",
+       "1976  209000.0        NaN        NaN         NaN         NaN         NaN   \n",
+       "\n",
+       "              84          96  \n",
+       "1969  12638000.0  15815000.0  \n",
+       "1970  18983000.0         NaN  \n",
+       "1971         NaN         NaN  \n",
+       "1972         NaN         NaN  \n",
+       "1973         NaN         NaN  \n",
+       "1974         NaN         NaN  \n",
+       "1975         NaN         NaN  \n",
+       "1976         NaN         NaN  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>3.248</td>\n",
+       "      <td>3.554</td>\n",
+       "      <td>2.069</td>\n",
+       "      <td>1.496</td>\n",
+       "      <td>1.831</td>\n",
+       "      <td>1.545</td>\n",
+       "      <td>1.251</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>12.302</td>\n",
+       "      <td>3.811</td>\n",
+       "      <td>1.806</td>\n",
+       "      <td>2.066</td>\n",
+       "      <td>1.900</td>\n",
+       "      <td>1.328</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>3.888</td>\n",
+       "      <td>2.161</td>\n",
+       "      <td>2.046</td>\n",
+       "      <td>2.248</td>\n",
+       "      <td>1.553</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>15.720</td>\n",
+       "      <td>4.847</td>\n",
+       "      <td>2.565</td>\n",
+       "      <td>1.895</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>3.911</td>\n",
+       "      <td>4.321</td>\n",
+       "      <td>3.138</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>9.227</td>\n",
+       "      <td>3.949</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>7.452</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "       12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "1969   3.248  3.554  2.069  1.496  1.831  1.545  1.251\n",
+       "1970  12.302  3.811  1.806  2.066  1.900  1.328    NaN\n",
+       "1971   3.888  2.161  2.046  2.248  1.553    NaN    NaN\n",
+       "1972  15.720  4.847  2.565  1.895    NaN    NaN    NaN\n",
+       "1973   3.911  4.321  3.138    NaN    NaN    NaN    NaN\n",
+       "1974   9.227  3.949    NaN    NaN    NaN    NaN    NaN\n",
+       "1975   7.452    NaN    NaN    NaN    NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>(All)</th>\n",
+       "      <td>6.185</td>\n",
+       "      <td>3.709</td>\n",
+       "      <td>2.455</td>\n",
+       "      <td>1.952</td>\n",
+       "      <td>1.718</td>\n",
+       "      <td>1.407</td>\n",
+       "      <td>1.251</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "       12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "(All)  6.185  3.709  2.455  1.952  1.718  1.407  1.251"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "      <th>96-108</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Selected</th>\n",
+       "      <td>6.185</td>\n",
+       "      <td>3.709</td>\n",
+       "      <td>2.455</td>\n",
+       "      <td>1.952</td>\n",
+       "      <td>1.718</td>\n",
+       "      <td>1.407</td>\n",
+       "      <td>1.251</td>\n",
+       "      <td>1.486</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>CDF to Ultimate</th>\n",
+       "      <td>493.993</td>\n",
+       "      <td>79.870</td>\n",
+       "      <td>21.534</td>\n",
+       "      <td>8.771</td>\n",
+       "      <td>4.494</td>\n",
+       "      <td>2.616</td>\n",
+       "      <td>1.859</td>\n",
+       "      <td>1.486</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Percent Paid</th>\n",
+       "      <td>0.002</td>\n",
+       "      <td>0.013</td>\n",
+       "      <td>0.046</td>\n",
+       "      <td>0.114</td>\n",
+       "      <td>0.223</td>\n",
+       "      <td>0.382</td>\n",
+       "      <td>0.538</td>\n",
+       "      <td>0.673</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                   12-24   24-36   36-48  48-60  60-72  72-84  84-96  96-108\n",
+       "Selected           6.185   3.709   2.455  1.952  1.718  1.407  1.251   1.486\n",
+       "CDF to Ultimate  493.993  79.870  21.534  8.771  4.494  2.616  1.859   1.486\n",
+       "Percent Paid       0.002   0.013   0.046  0.114  0.223  0.382  0.538   0.673"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "paid = mm[\"Paid Claims\"]\n",
+    "\n",
+    "# Part 1\n",
+    "exhibit_i_s2_tri = paid.to_frame(origin_as_datetime=False)\n",
+    "display(exhibit_i_s2_tri)\n",
+    "\n",
+    "# Part 2\n",
+    "display(np.round(paid.link_ratio.to_frame(origin_as_datetime=False), decimals=3))\n",
+    "\n",
+    "# Part 3\n",
+    "dev_paid = cl.Development(average=\"volume\").fit(paid)\n",
+    "avg_ldf = np.round(dev_paid.ldf_.to_frame(origin_as_datetime=False).values.flatten(), 3)\n",
+    "display(np.round(dev_paid.ldf_.to_frame(), 3))\n",
+    "\n",
+    "# Part 4\n",
+    "selected_ldf = {\n",
+    "    12: 6.185,\n",
+    "    24: 3.709,\n",
+    "    36: 2.455,\n",
+    "    48: 1.952,\n",
+    "    60: 1.718,\n",
+    "    72: 1.407,\n",
+    "    84: 1.251,\n",
+    "    96: 1.486,\n",
+    "}\n",
+    "# or this\n",
+    "selected_ldf = dict(zip([12, 24, 36, 48, 60, 72, 84, 96], [*avg_ldf, 1.486]))\n",
+    "\n",
+    "paid_dev = cl.DevelopmentConstant(patterns=selected_ldf, style=\"ldf\").fit(paid)\n",
+    "cdf = np.round(paid_dev.cdf_.to_frame(origin_as_datetime=False).values.flatten(), 3)\n",
+    "pct_paid = np.round(1.0 / cdf, 3)\n",
+    "\n",
+    "exhibit_i_s2_sel = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Selected\": list(selected_ldf.values()),\n",
+    "        \"CDF to Ultimate\": cdf,\n",
+    "        \"Percent Paid\": pct_paid,\n",
+    "    },\n",
+    "    index=[\"12-24\", \"24-36\", \"36-48\", \"48-60\", \"60-72\", \"72-84\", \"84-96\", \"96-108\"],\n",
+    ")\n",
+    "display(exhibit_i_s2_sel.T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 74,
+   "id": "7b39a8cb",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit I Sheet 2 — reconcile to Friedland PDF p295\n",
+    "assert np.allclose(\n",
+    "    np.round(dev_paid.ldf_.to_frame().values.flatten(), 3),\n",
+    "    [6.185, 3.709, 2.455, 1.952, 1.718, 1.407, 1.251],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s2_sel[\"CDF to Ultimate\"],\n",
+    "    [494.097, 79.886, 21.538, 8.773, 4.495, 2.616, 1.859, 1.486],\n",
+    "    atol=0.12,\n",
+    ")\n",
+    "assert np.isclose(exhibit_i_s2_tri.iloc[0, 0], 125000, atol=1)\n",
+    "assert np.isclose(exhibit_i_s2_tri.iloc[-1, 0], 209000, atol=1)\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "5854053a",
+   "metadata": {},
+   "source": [
+    "## P296 (Exhibit I Sheet 3)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 75,
+   "id": "945ba5a7",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Age (2)</th>\n",
+       "      <th>Reported (3)</th>\n",
+       "      <th>Paid (4)</th>\n",
+       "      <th>CDF Reported (5)</th>\n",
+       "      <th>CDF Paid (6)</th>\n",
+       "      <th>Ult Reported (7)</th>\n",
+       "      <th>Ult Paid (8)</th>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>origin</th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>96</td>\n",
+       "      <td>23506000.0</td>\n",
+       "      <td>15815000.0</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>1.486</td>\n",
+       "      <td>23506000.0</td>\n",
+       "      <td>23501090.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>84</td>\n",
+       "      <td>32216000.0</td>\n",
+       "      <td>18983000.0</td>\n",
+       "      <td>1.027</td>\n",
+       "      <td>1.859</td>\n",
+       "      <td>33085832.0</td>\n",
+       "      <td>35289397.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>72</td>\n",
+       "      <td>48377000.0</td>\n",
+       "      <td>17707000.0</td>\n",
+       "      <td>1.080</td>\n",
+       "      <td>2.616</td>\n",
+       "      <td>52247160.0</td>\n",
+       "      <td>46321512.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>60</td>\n",
+       "      <td>61163000.0</td>\n",
+       "      <td>18518000.0</td>\n",
+       "      <td>1.303</td>\n",
+       "      <td>4.494</td>\n",
+       "      <td>79695389.0</td>\n",
+       "      <td>83219892.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>48</td>\n",
+       "      <td>73733000.0</td>\n",
+       "      <td>11292000.0</td>\n",
+       "      <td>1.524</td>\n",
+       "      <td>8.771</td>\n",
+       "      <td>112369092.0</td>\n",
+       "      <td>99042132.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>36</td>\n",
+       "      <td>63477000.0</td>\n",
+       "      <td>6267000.0</td>\n",
+       "      <td>2.291</td>\n",
+       "      <td>21.534</td>\n",
+       "      <td>145425807.0</td>\n",
+       "      <td>134953578.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>24</td>\n",
+       "      <td>48904000.0</td>\n",
+       "      <td>1565000.0</td>\n",
+       "      <td>4.402</td>\n",
+       "      <td>79.870</td>\n",
+       "      <td>215275408.0</td>\n",
+       "      <td>124996550.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>12</td>\n",
+       "      <td>15791000.0</td>\n",
+       "      <td>209000.0</td>\n",
+       "      <td>11.145</td>\n",
+       "      <td>493.993</td>\n",
+       "      <td>175990695.0</td>\n",
+       "      <td>103244537.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "        Age (2)  Reported (3)    Paid (4)  CDF Reported (5)  CDF Paid (6)  \\\n",
+       "origin                                                                      \n",
+       "1969         96    23506000.0  15815000.0             1.000         1.486   \n",
+       "1970         84    32216000.0  18983000.0             1.027         1.859   \n",
+       "1971         72    48377000.0  17707000.0             1.080         2.616   \n",
+       "1972         60    61163000.0  18518000.0             1.303         4.494   \n",
+       "1973         48    73733000.0  11292000.0             1.524         8.771   \n",
+       "1974         36    63477000.0   6267000.0             2.291        21.534   \n",
+       "1975         24    48904000.0   1565000.0             4.402        79.870   \n",
+       "1976         12    15791000.0    209000.0            11.145       493.993   \n",
+       "\n",
+       "        Ult Reported (7)  Ult Paid (8)  \n",
+       "origin                                  \n",
+       "1969          23506000.0    23501090.0  \n",
+       "1970          33085832.0    35289397.0  \n",
+       "1971          52247160.0    46321512.0  \n",
+       "1972          79695389.0    83219892.0  \n",
+       "1973         112369092.0    99042132.0  \n",
+       "1974         145425807.0   134953578.0  \n",
+       "1975         215275408.0   124996550.0  \n",
+       "1976         175990695.0   103244537.0  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Reported (3)</th>\n",
+       "      <th>Paid (4)</th>\n",
+       "      <th>Ult Reported (7)</th>\n",
+       "      <th>Ult Paid (8)</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Total</th>\n",
+       "      <td>367167000.0</td>\n",
+       "      <td>90356000.0</td>\n",
+       "      <td>837595383.0</td>\n",
+       "      <td>650568688.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "       Reported (3)    Paid (4)  Ult Reported (7)  Ult Paid (8)\n",
+       "Total   367167000.0  90356000.0       837595383.0   650568688.0"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "cl_reported = cl.Chainladder().fit(\n",
+    "    cl.DevelopmentConstant(\n",
+    "        patterns=dict(zip(reported.development, exhibit_i_s1_sel[\"CDF to Ultimate\"])),\n",
+    "        style=\"cdf\",\n",
+    "    ).fit_transform(reported)\n",
+    ")\n",
+    "cl_paid = cl.Chainladder().fit(\n",
+    "    cl.DevelopmentConstant(\n",
+    "        patterns=dict(zip(paid.development, exhibit_i_s2_sel[\"CDF to Ultimate\"])),\n",
+    "        style=\"cdf\",\n",
+    "    ).fit_transform(paid)\n",
+    ")\n",
+    "\n",
+    "md_reported = cl.model_diagnostics(cl_reported).to_frame(origin_as_datetime=False).T\n",
+    "md_paid = cl.model_diagnostics(cl_paid).to_frame(origin_as_datetime=False).T\n",
+    "\n",
+    "ages = sorted(reported.development, reverse=True)\n",
+    "reported_latest = md_reported[\"Latest\"]\n",
+    "paid_latest = md_paid[\"Latest\"]\n",
+    "ult_reported = md_reported[\"Ultimate\"]\n",
+    "ult_paid = md_paid[\"Ultimate\"]\n",
+    "\n",
+    "exhibit_i_s3 = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Age (2)\": ages,\n",
+    "        \"Reported (3)\": md_reported[\"Latest\"].values,\n",
+    "        \"Paid (4)\": md_paid[\"Latest\"].values,\n",
+    "        \"CDF Reported (5)\": md_reported[\"CDF\"].values,\n",
+    "        \"CDF Paid (6)\": md_paid[\"CDF\"].values,\n",
+    "        \"Ult Reported (7)\": md_reported[\"Ultimate\"].values,\n",
+    "        \"Ult Paid (8)\": md_paid[\"Ultimate\"].values,\n",
+    "    },\n",
+    "    index=md_reported.index,\n",
+    ")\n",
+    "display(exhibit_i_s3)\n",
+    "display(exhibit_i_s3[[\"Reported (3)\", \"Paid (4)\", \"Ult Reported (7)\", \"Ult Paid (8)\"]].sum().to_frame(\"Total\").T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 76,
+   "id": "b3fe7af5",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit I Sheet 3 — reconcile to Friedland PDF p296\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s3[\"Ult Reported (7)\"],\n",
+    "    [23506000, 33085832, 52247160, 79695389, 112369092, 145425807, 215275408, 175990695],\n",
+    "    atol=5,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s3[\"Ult Paid (8)\"],\n",
+    "    [23501090, 35289397, 46321512, 83238410, 99064716, 134978646, 125021590, 103266273],\n",
+    "    rtol=0.0003,\n",
+    ")\n",
+    "assert np.isclose(exhibit_i_s3[\"Reported (3)\"].sum(), 367167000, atol=1)\n",
+    "assert np.isclose(exhibit_i_s3[\"Paid (4)\"].sum(), 90356000, atol=1)\n",
+    "assert np.isclose(exhibit_i_s3[\"Ult Reported (7)\"].sum(), 837595383, atol=50)\n",
+    "assert np.isclose(exhibit_i_s3[\"Ult Paid (8)\"].sum(), 650681634, rtol=0.0003)\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "4f3ebe1e",
+   "metadata": {},
+   "source": [
+    "## P297 (Exhibit I Sheet 4)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 77,
+   "id": "5029fbc5",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>2772000.0</td>\n",
+       "      <td>4754000.0</td>\n",
+       "      <td>9271000.0</td>\n",
+       "      <td>12242000.0</td>\n",
+       "      <td>12144000.0</td>\n",
+       "      <td>12720000.0</td>\n",
+       "      <td>10254000.0</td>\n",
+       "      <td>7691000.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>4785000.0</td>\n",
+       "      <td>10178000.0</td>\n",
+       "      <td>14891000.0</td>\n",
+       "      <td>19199000.0</td>\n",
+       "      <td>18688000.0</td>\n",
+       "      <td>17675000.0</td>\n",
+       "      <td>13233000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>5160000.0</td>\n",
+       "      <td>10794000.0</td>\n",
+       "      <td>18254000.0</td>\n",
+       "      <td>25857000.0</td>\n",
+       "      <td>30996000.0</td>\n",
+       "      <td>30670000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>8682000.0</td>\n",
+       "      <td>17847000.0</td>\n",
+       "      <td>28333000.0</td>\n",
+       "      <td>47425000.0</td>\n",
+       "      <td>42645000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>11015000.0</td>\n",
+       "      <td>19134000.0</td>\n",
+       "      <td>46544000.0</td>\n",
+       "      <td>62441000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>8534000.0</td>\n",
+       "      <td>31872000.0</td>\n",
+       "      <td>57210000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>12718000.0</td>\n",
+       "      <td>47339000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>15582000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "              12          24          36          48          60          72  \\\n",
+       "1969   2772000.0   4754000.0   9271000.0  12242000.0  12144000.0  12720000.0   \n",
+       "1970   4785000.0  10178000.0  14891000.0  19199000.0  18688000.0  17675000.0   \n",
+       "1971   5160000.0  10794000.0  18254000.0  25857000.0  30996000.0  30670000.0   \n",
+       "1972   8682000.0  17847000.0  28333000.0  47425000.0  42645000.0         NaN   \n",
+       "1973  11015000.0  19134000.0  46544000.0  62441000.0         NaN         NaN   \n",
+       "1974   8534000.0  31872000.0  57210000.0         NaN         NaN         NaN   \n",
+       "1975  12718000.0  47339000.0         NaN         NaN         NaN         NaN   \n",
+       "1976  15582000.0         NaN         NaN         NaN         NaN         NaN   \n",
+       "\n",
+       "              84         96  \n",
+       "1969  10254000.0  7691000.0  \n",
+       "1970  13233000.0        NaN  \n",
+       "1971         NaN        NaN  \n",
+       "1972         NaN        NaN  \n",
+       "1973         NaN        NaN  \n",
+       "1974         NaN        NaN  \n",
+       "1975         NaN        NaN  \n",
+       "1976         NaN        NaN  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>749.0</td>\n",
+       "      <td>840.0</td>\n",
+       "      <td>1001.0</td>\n",
+       "      <td>1206.0</td>\n",
+       "      <td>1034.0</td>\n",
+       "      <td>765.0</td>\n",
+       "      <td>533.0</td>\n",
+       "      <td>359.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>660.0</td>\n",
+       "      <td>957.0</td>\n",
+       "      <td>1149.0</td>\n",
+       "      <td>1350.0</td>\n",
+       "      <td>1095.0</td>\n",
+       "      <td>755.0</td>\n",
+       "      <td>539.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>878.0</td>\n",
+       "      <td>1329.0</td>\n",
+       "      <td>1720.0</td>\n",
+       "      <td>1799.0</td>\n",
+       "      <td>1428.0</td>\n",
+       "      <td>1056.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>1043.0</td>\n",
+       "      <td>1561.0</td>\n",
+       "      <td>1828.0</td>\n",
+       "      <td>1894.0</td>\n",
+       "      <td>1522.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>1088.0</td>\n",
+       "      <td>1388.0</td>\n",
+       "      <td>1540.0</td>\n",
+       "      <td>1877.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>1033.0</td>\n",
+       "      <td>1418.0</td>\n",
+       "      <td>1663.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>1138.0</td>\n",
+       "      <td>1472.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>1196.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24      36      48      60      72     84     96\n",
+       "1969   749.0   840.0  1001.0  1206.0  1034.0   765.0  533.0  359.0\n",
+       "1970   660.0   957.0  1149.0  1350.0  1095.0   755.0  539.0    NaN\n",
+       "1971   878.0  1329.0  1720.0  1799.0  1428.0  1056.0    NaN    NaN\n",
+       "1972  1043.0  1561.0  1828.0  1894.0  1522.0     NaN    NaN    NaN\n",
+       "1973  1088.0  1388.0  1540.0  1877.0     NaN     NaN    NaN    NaN\n",
+       "1974  1033.0  1418.0  1663.0     NaN     NaN     NaN    NaN    NaN\n",
+       "1975  1138.0  1472.0     NaN     NaN     NaN     NaN    NaN    NaN\n",
+       "1976  1196.0     NaN     NaN     NaN     NaN     NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>3701.0</td>\n",
+       "      <td>5660.0</td>\n",
+       "      <td>9262.0</td>\n",
+       "      <td>10151.0</td>\n",
+       "      <td>11745.0</td>\n",
+       "      <td>16627.0</td>\n",
+       "      <td>19238.0</td>\n",
+       "      <td>21423.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>7250.0</td>\n",
+       "      <td>10635.0</td>\n",
+       "      <td>12960.0</td>\n",
+       "      <td>14221.0</td>\n",
+       "      <td>17067.0</td>\n",
+       "      <td>23411.0</td>\n",
+       "      <td>24551.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>5877.0</td>\n",
+       "      <td>8122.0</td>\n",
+       "      <td>10613.0</td>\n",
+       "      <td>14373.0</td>\n",
+       "      <td>21706.0</td>\n",
+       "      <td>29044.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>8324.0</td>\n",
+       "      <td>11433.0</td>\n",
+       "      <td>15499.0</td>\n",
+       "      <td>25040.0</td>\n",
+       "      <td>28019.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>10124.0</td>\n",
+       "      <td>13785.0</td>\n",
+       "      <td>30223.0</td>\n",
+       "      <td>33266.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>8261.0</td>\n",
+       "      <td>22477.0</td>\n",
+       "      <td>34402.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>11176.0</td>\n",
+       "      <td>32160.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>13028.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "           12       24       36       48       60       72       84       96\n",
+       "1969   3701.0   5660.0   9262.0  10151.0  11745.0  16627.0  19238.0  21423.0\n",
+       "1970   7250.0  10635.0  12960.0  14221.0  17067.0  23411.0  24551.0      NaN\n",
+       "1971   5877.0   8122.0  10613.0  14373.0  21706.0  29044.0      NaN      NaN\n",
+       "1972   8324.0  11433.0  15499.0  25040.0  28019.0      NaN      NaN      NaN\n",
+       "1973  10124.0  13785.0  30223.0  33266.0      NaN      NaN      NaN      NaN\n",
+       "1974   8261.0  22477.0  34402.0      NaN      NaN      NaN      NaN      NaN\n",
+       "1975  11176.0  32160.0      NaN      NaN      NaN      NaN      NaN      NaN\n",
+       "1976  13028.0      NaN      NaN      NaN      NaN      NaN      NaN      NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th>development</th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Annual Change</th>\n",
+       "      <td>0.156</td>\n",
+       "      <td>0.295</td>\n",
+       "      <td>0.311</td>\n",
+       "      <td>0.342</td>\n",
+       "      <td>0.330</td>\n",
+       "      <td>0.322</td>\n",
+       "      <td>0.276</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>R-Squared</th>\n",
+       "      <td>0.800</td>\n",
+       "      <td>0.895</td>\n",
+       "      <td>0.858</td>\n",
+       "      <td>0.941</td>\n",
+       "      <td>0.989</td>\n",
+       "      <td>0.983</td>\n",
+       "      <td>1.000</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "development       12     24     36     48     60     72     84\n",
+       "Annual Change  0.156  0.295  0.311  0.342  0.330  0.322  0.276\n",
+       "R-Squared      0.800  0.895  0.858  0.941  0.989  0.983  1.000"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "case = mm[\"Case Outstanding\"]\n",
+    "open_counts = mm[\"Open Claim Counts\"]\n",
+    "\n",
+    "exhibit_i_s4_case = case.to_frame(origin_as_datetime=False)\n",
+    "display(exhibit_i_s4_case)\n",
+    "\n",
+    "exhibit_i_s4_open = open_counts.to_frame(origin_as_datetime=False)\n",
+    "display(exhibit_i_s4_open)\n",
+    "\n",
+    "avg_case = case / open_counts\n",
+    "exhibit_i_s4_avg = np.round(avg_case.to_frame(origin_as_datetime=False))\n",
+    "display(exhibit_i_s4_avg)\n",
+    "\n",
+    "def exp_trend(tri):\n",
+    "    fit_tri = tri[tri.development < tri.development.max()]\n",
+    "    reg = cl.WeightedRegression(\n",
+    "        axis=2, thru_orig=False, xp=fit_tri.get_array_module()\n",
+    "    ).fit(\n",
+    "        np.ones(fit_tri.shape) * fit_tri.origin.year.values[None, None, :, None],\n",
+    "        np.log(fit_tri.values),\n",
+    "        cl.TriangleWeight().fit(fit_tri).w_.values,\n",
+    "    )\n",
+    "    return np.round(\n",
+    "        pd.DataFrame(\n",
+    "            [np.exp(reg.slope_).flatten() - 1, reg.rsq_.flatten()],\n",
+    "            index=[\"Annual Change\", \"R-Squared\"],\n",
+    "            columns=fit_tri.development,\n",
+    "        ),\n",
+    "        3,\n",
+    "    )\n",
+    "\n",
+    "\n",
+    "exhibit_i_s4_trend = exp_trend(avg_case)\n",
+    "display(exhibit_i_s4_trend)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 78,
+   "id": "7f90df09",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit I Sheet 4 — reconcile to Friedland PDF p297\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s4_trend.loc[\"Annual Change\"],\n",
+    "    [0.156, 0.295, 0.311, 0.342, 0.330, 0.322, 0.276],\n",
+    "    atol=0.002,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s4_trend.loc[\"R-Squared\"],\n",
+    "    [0.800, 0.895, 0.858, 0.941, 0.989, 0.983, 1.000],\n",
+    "    atol=0.002,\n",
+    ")\n",
+    "assert np.isclose(exhibit_i_s4_avg.iloc[0, 0], 3701, atol=1)\n",
+    "assert np.isclose(exhibit_i_s4_avg.iloc[-1, 0], 13028, atol=1)\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "8963e40d",
+   "metadata": {},
+   "source": [
+    "## P298 (Exhibit I Sheet 5)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 79,
+   "id": "35f65eed",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>125000.0</td>\n",
+       "      <td>406000.0</td>\n",
+       "      <td>1443000.0</td>\n",
+       "      <td>2986000.0</td>\n",
+       "      <td>4467000.0</td>\n",
+       "      <td>8179000.0</td>\n",
+       "      <td>12638000.0</td>\n",
+       "      <td>15815000.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>43000.0</td>\n",
+       "      <td>529000.0</td>\n",
+       "      <td>2016000.0</td>\n",
+       "      <td>3641000.0</td>\n",
+       "      <td>7523000.0</td>\n",
+       "      <td>14295000.0</td>\n",
+       "      <td>18983000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>295000.0</td>\n",
+       "      <td>1147000.0</td>\n",
+       "      <td>2479000.0</td>\n",
+       "      <td>5071000.0</td>\n",
+       "      <td>11399000.0</td>\n",
+       "      <td>17707000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>50000.0</td>\n",
+       "      <td>786000.0</td>\n",
+       "      <td>3810000.0</td>\n",
+       "      <td>9771000.0</td>\n",
+       "      <td>18518000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>213000.0</td>\n",
+       "      <td>833000.0</td>\n",
+       "      <td>3599000.0</td>\n",
+       "      <td>11292000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>172000.0</td>\n",
+       "      <td>1587000.0</td>\n",
+       "      <td>6267000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>210000.0</td>\n",
+       "      <td>1565000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>209000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "            12         24         36          48          60          72  \\\n",
+       "1969  125000.0   406000.0  1443000.0   2986000.0   4467000.0   8179000.0   \n",
+       "1970   43000.0   529000.0  2016000.0   3641000.0   7523000.0  14295000.0   \n",
+       "1971  295000.0  1147000.0  2479000.0   5071000.0  11399000.0  17707000.0   \n",
+       "1972   50000.0   786000.0  3810000.0   9771000.0  18518000.0         NaN   \n",
+       "1973  213000.0   833000.0  3599000.0  11292000.0         NaN         NaN   \n",
+       "1974  172000.0  1587000.0  6267000.0         NaN         NaN         NaN   \n",
+       "1975  210000.0  1565000.0        NaN         NaN         NaN         NaN   \n",
+       "1976  209000.0        NaN        NaN         NaN         NaN         NaN   \n",
+       "\n",
+       "              84          96  \n",
+       "1969  12638000.0  15815000.0  \n",
+       "1970  18983000.0         NaN  \n",
+       "1971         NaN         NaN  \n",
+       "1972         NaN         NaN  \n",
+       "1973         NaN         NaN  \n",
+       "1974         NaN         NaN  \n",
+       "1975         NaN         NaN  \n",
+       "1976         NaN         NaN  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>0.043</td>\n",
+       "      <td>0.079</td>\n",
+       "      <td>0.135</td>\n",
+       "      <td>0.196</td>\n",
+       "      <td>0.269</td>\n",
+       "      <td>0.391</td>\n",
+       "      <td>0.552</td>\n",
+       "      <td>0.673</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>0.009</td>\n",
+       "      <td>0.049</td>\n",
+       "      <td>0.119</td>\n",
+       "      <td>0.159</td>\n",
+       "      <td>0.287</td>\n",
+       "      <td>0.447</td>\n",
+       "      <td>0.589</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>0.054</td>\n",
+       "      <td>0.096</td>\n",
+       "      <td>0.120</td>\n",
+       "      <td>0.164</td>\n",
+       "      <td>0.269</td>\n",
+       "      <td>0.366</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>0.006</td>\n",
+       "      <td>0.042</td>\n",
+       "      <td>0.119</td>\n",
+       "      <td>0.171</td>\n",
+       "      <td>0.303</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>0.019</td>\n",
+       "      <td>0.042</td>\n",
+       "      <td>0.072</td>\n",
+       "      <td>0.153</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>0.020</td>\n",
+       "      <td>0.047</td>\n",
+       "      <td>0.099</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>0.016</td>\n",
+       "      <td>0.032</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>0.013</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "         12     24     36     48     60     72     84     96\n",
+       "1969  0.043  0.079  0.135  0.196  0.269  0.391  0.552  0.673\n",
+       "1970  0.009  0.049  0.119  0.159  0.287  0.447  0.589    NaN\n",
+       "1971  0.054  0.096  0.120  0.164  0.269  0.366    NaN    NaN\n",
+       "1972  0.006  0.042  0.119  0.171  0.303    NaN    NaN    NaN\n",
+       "1973  0.019  0.042  0.072  0.153    NaN    NaN    NaN    NaN\n",
+       "1974  0.020  0.047  0.099    NaN    NaN    NaN    NaN    NaN\n",
+       "1975  0.016  0.032    NaN    NaN    NaN    NaN    NaN    NaN\n",
+       "1976  0.013    NaN    NaN    NaN    NaN    NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>402.0</td>\n",
+       "      <td>539.0</td>\n",
+       "      <td>2971.0</td>\n",
+       "      <td>8620.0</td>\n",
+       "      <td>9199.0</td>\n",
+       "      <td>12669.0</td>\n",
+       "      <td>17084.0</td>\n",
+       "      <td>16634.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>110.0</td>\n",
+       "      <td>919.0</td>\n",
+       "      <td>5487.0</td>\n",
+       "      <td>9129.0</td>\n",
+       "      <td>12403.0</td>\n",
+       "      <td>18452.0</td>\n",
+       "      <td>19533.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>706.0</td>\n",
+       "      <td>1115.0</td>\n",
+       "      <td>5644.0</td>\n",
+       "      <td>4928.0</td>\n",
+       "      <td>12994.0</td>\n",
+       "      <td>14948.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>161.0</td>\n",
+       "      <td>862.0</td>\n",
+       "      <td>5782.0</td>\n",
+       "      <td>9477.0</td>\n",
+       "      <td>14085.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>724.0</td>\n",
+       "      <td>541.0</td>\n",
+       "      <td>4003.0</td>\n",
+       "      <td>11709.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>518.0</td>\n",
+       "      <td>1394.0</td>\n",
+       "      <td>7635.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>517.0</td>\n",
+       "      <td>1494.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>525.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "         12      24      36       48       60       72       84       96\n",
+       "1969  402.0   539.0  2971.0   8620.0   9199.0  12669.0  17084.0  16634.0\n",
+       "1970  110.0   919.0  5487.0   9129.0  12403.0  18452.0  19533.0      NaN\n",
+       "1971  706.0  1115.0  5644.0   4928.0  12994.0  14948.0      NaN      NaN\n",
+       "1972  161.0   862.0  5782.0   9477.0  14085.0      NaN      NaN      NaN\n",
+       "1973  724.0   541.0  4003.0  11709.0      NaN      NaN      NaN      NaN\n",
+       "1974  518.0  1394.0  7635.0      NaN      NaN      NaN      NaN      NaN\n",
+       "1975  517.0  1494.0     NaN      NaN      NaN      NaN      NaN      NaN\n",
+       "1976  525.0     NaN     NaN      NaN      NaN      NaN      NaN      NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "name": "stderr",
+     "output_type": "stream",
+     "text": [
+      "/Users/kennethhsu/Documents/GitHub/chainladder-python/chainladder/core/triangle.py:581: UserWarning: \n",
+      "                The cumulative property of your triangle is not set. This may result in\n",
+      "                undesirable behavior. In a future release this will result in an error.\n",
+      "                \n",
+      "  warnings.warn(\n"
+     ]
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th>development</th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Annual Change</th>\n",
+       "      <td>0.129</td>\n",
+       "      <td>0.120</td>\n",
+       "      <td>0.115</td>\n",
+       "      <td>0.067</td>\n",
+       "      <td>0.142</td>\n",
+       "      <td>0.086</td>\n",
+       "      <td>0.143</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>R-Squared</th>\n",
+       "      <td>0.183</td>\n",
+       "      <td>0.353</td>\n",
+       "      <td>0.379</td>\n",
+       "      <td>0.101</td>\n",
+       "      <td>0.846</td>\n",
+       "      <td>0.193</td>\n",
+       "      <td>1.000</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "development       12     24     36     48     60     72     84\n",
+       "Annual Change  0.129  0.120  0.115  0.067  0.142  0.086  0.143\n",
+       "R-Squared      0.183  0.353  0.379  0.101  0.846  0.193  1.000"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "exhibit_i_s5_paid = paid.to_frame(origin_as_datetime=False)\n",
+    "display(exhibit_i_s5_paid)\n",
+    "\n",
+    "exhibit_i_s5_ratio = np.round((paid / reported).to_frame(origin_as_datetime=False), 3)\n",
+    "display(exhibit_i_s5_ratio)\n",
+    "\n",
+    "# I don't know where this is from, but I did find these same numbers from another text: \n",
+    "# Loss Reserve Adequacy Testing: A Comprehensive Systematic Approach\n",
+    "# https://www.casact.org/abstract/loss-reserve-adequacy-testing-comprehensive-systematic-approach\n",
+    "# These values are not used anywhere else, besides calcuating the trend below on this same sheet\n",
+    "exhibit_i_s5_avg = pd.DataFrame(\n",
+    "    [\n",
+    "        [402, 539, 2971, 8620, 9199, 12669, 17084, 16634],\n",
+    "        [110, 919, 5487, 9129, 12403, 18452, 19533, np.nan],\n",
+    "        [706, 1115, 5644, 4928, 12994, 14948, np.nan, np.nan],\n",
+    "        [161, 862, 5782, 9477, 14085, np.nan, np.nan, np.nan],\n",
+    "        [724, 541, 4003, 11709, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [518, 1394, 7635, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [517, 1494, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [525, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    index=range(1969, 1977),\n",
+    "    columns=[12, 24, 36, 48, 60, 72, 84, 96],\n",
+    "    dtype=float,\n",
+    ")\n",
+    "display(exhibit_i_s5_avg)\n",
+    "\n",
+    "exhibit_i_s5_avg_tri = cl.Triangle(\n",
+    "    exhibit_i_s5_avg.stack(future_stack=True).dropna().rename(\"values\").reset_index(),\n",
+    "    origin=\"level_0\",\n",
+    "    development=\"level_1\",\n",
+    "    columns=\"values\",\n",
+    ")\n",
+    "exhibit_i_s5_trend = exp_trend(exhibit_i_s5_avg_tri)\n",
+    "display(exhibit_i_s5_trend)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 80,
+   "id": "99b32fcd",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit I Sheet 5 — reconcile to Friedland PDF p298\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s5_trend.loc[\"Annual Change\"],\n",
+    "    [0.129, 0.120, 0.115, 0.067, 0.142, 0.086, 0.143],\n",
+    "    atol=0.002,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s5_trend.loc[\"R-Squared\"],\n",
+    "    [0.183, 0.353, 0.379, 0.101, 0.846, 0.193, 1.000],\n",
+    "    atol=0.002,\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "cfe6f03c",
+   "metadata": {},
+   "source": [
+    "## P299 (Exhibit I Sheet 6)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 81,
+   "id": "df461dcf",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
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+       "\n",
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+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>4898.0</td>\n",
+       "      <td>13904.0</td>\n",
+       "      <td>17104.0</td>\n",
+       "      <td>19020.0</td>\n",
+       "      <td>18423.0</td>\n",
+       "      <td>21961.0</td>\n",
+       "      <td>21349.0</td>\n",
+       "      <td>21423.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>5633.0</td>\n",
+       "      <td>15989.0</td>\n",
+       "      <td>19669.0</td>\n",
+       "      <td>21873.0</td>\n",
+       "      <td>21186.0</td>\n",
+       "      <td>25255.0</td>\n",
+       "      <td>24551.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>6477.0</td>\n",
+       "      <td>18387.0</td>\n",
+       "      <td>22620.0</td>\n",
+       "      <td>25154.0</td>\n",
+       "      <td>24364.0</td>\n",
+       "      <td>29044.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>7449.0</td>\n",
+       "      <td>21145.0</td>\n",
+       "      <td>26013.0</td>\n",
+       "      <td>28927.0</td>\n",
+       "      <td>28019.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>8566.0</td>\n",
+       "      <td>24317.0</td>\n",
+       "      <td>29915.0</td>\n",
+       "      <td>33266.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>9851.0</td>\n",
+       "      <td>27965.0</td>\n",
+       "      <td>34402.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>11329.0</td>\n",
+       "      <td>32160.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>13028.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "           12       24       36       48       60       72       84       96\n",
+       "1969   4898.0  13904.0  17104.0  19020.0  18423.0  21961.0  21349.0  21423.0\n",
+       "1970   5633.0  15989.0  19669.0  21873.0  21186.0  25255.0  24551.0      NaN\n",
+       "1971   6477.0  18387.0  22620.0  25154.0  24364.0  29044.0      NaN      NaN\n",
+       "1972   7449.0  21145.0  26013.0  28927.0  28019.0      NaN      NaN      NaN\n",
+       "1973   8566.0  24317.0  29915.0  33266.0      NaN      NaN      NaN      NaN\n",
+       "1974   9851.0  27965.0  34402.0      NaN      NaN      NaN      NaN      NaN\n",
+       "1975  11329.0  32160.0      NaN      NaN      NaN      NaN      NaN      NaN\n",
+       "1976  13028.0      NaN      NaN      NaN      NaN      NaN      NaN      NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "name": "stdout",
+     "output_type": "stream",
+     "text": [
+      "Selected Annual Severity Trend Rate 15%\n"
+     ]
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
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+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>3793504.0</td>\n",
+       "      <td>12084942.0</td>\n",
+       "      <td>18563821.0</td>\n",
+       "      <td>25924316.0</td>\n",
+       "      <td>23516364.0</td>\n",
+       "      <td>24979245.0</td>\n",
+       "      <td>24016864.0</td>\n",
+       "      <td>23506000.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>3760482.0</td>\n",
+       "      <td>15830500.0</td>\n",
+       "      <td>24615996.0</td>\n",
+       "      <td>33169802.0</td>\n",
+       "      <td>30722141.0</td>\n",
+       "      <td>33362729.0</td>\n",
+       "      <td>32216000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>5982185.0</td>\n",
+       "      <td>25583831.0</td>\n",
+       "      <td>41384825.0</td>\n",
+       "      <td>50323342.0</td>\n",
+       "      <td>46191356.0</td>\n",
+       "      <td>48377000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>7819355.0</td>\n",
+       "      <td>33794110.0</td>\n",
+       "      <td>51361061.0</td>\n",
+       "      <td>64559286.0</td>\n",
+       "      <td>61163000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>9533246.0</td>\n",
+       "      <td>34585431.0</td>\n",
+       "      <td>49667342.0</td>\n",
+       "      <td>73733000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>10348458.0</td>\n",
+       "      <td>41241243.0</td>\n",
+       "      <td>63477000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>13102479.0</td>\n",
+       "      <td>48904000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>15791000.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "              12          24          36          48          60          72  \\\n",
+       "1969   3793504.0  12084942.0  18563821.0  25924316.0  23516364.0  24979245.0   \n",
+       "1970   3760482.0  15830500.0  24615996.0  33169802.0  30722141.0  33362729.0   \n",
+       "1971   5982185.0  25583831.0  41384825.0  50323342.0  46191356.0  48377000.0   \n",
+       "1972   7819355.0  33794110.0  51361061.0  64559286.0  61163000.0         NaN   \n",
+       "1973   9533246.0  34585431.0  49667342.0  73733000.0         NaN         NaN   \n",
+       "1974  10348458.0  41241243.0  63477000.0         NaN         NaN         NaN   \n",
+       "1975  13102479.0  48904000.0         NaN         NaN         NaN         NaN   \n",
+       "1976  15791000.0         NaN         NaN         NaN         NaN         NaN   \n",
+       "\n",
+       "              84          96  \n",
+       "1969  24016864.0  23506000.0  \n",
+       "1970  32216000.0         NaN  \n",
+       "1971         NaN         NaN  \n",
+       "1972         NaN         NaN  \n",
+       "1973         NaN         NaN  \n",
+       "1974         NaN         NaN  \n",
+       "1975         NaN         NaN  \n",
+       "1976         NaN         NaN  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "med_mal = cl.load_sample(\"berqsherm\").loc[\"MedMal\"]\n",
+    "bs = cl.BerquistSherman(\n",
+    "    paid_amount=\"Paid\",\n",
+    "    incurred_amount=\"Incurred\",\n",
+    "    reported_count=\"Reported\",\n",
+    "    closed_count=\"Closed\",\n",
+    "    trend=0.15,\n",
+    ").fit(med_mal)\n",
+    "\n",
+    "adj_reported = bs.adjusted_triangle_[\"Incurred\"]\n",
+    "adj_avg_case = (adj_reported - med_mal[\"Paid\"]) / (med_mal[\"Reported\"] - med_mal[\"Closed\"])\n",
+    "exhibit_i_s6_avg = np.round(adj_avg_case.to_frame(origin_as_datetime=False))\n",
+    "display(exhibit_i_s6_avg)\n",
+    "\n",
+    "print(f\"Selected Annual Severity Trend Rate {bs.trend:.0%}\")\n",
+    "\n",
+    "exhibit_i_s6_reported = np.round(adj_reported.to_frame(origin_as_datetime=False))\n",
+    "display(exhibit_i_s6_reported)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 82,
+   "id": "884f0d40",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit I Sheet 6 — reconcile to Friedland PDF p299\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s6_avg,\n",
+    "    [\n",
+    "        [4898, 13904, 17104, 19020, 18423, 21961, 21349, 21423],\n",
+    "        [5633, 15989, 19669, 21873, 21186, 25255, 24551, np.nan],\n",
+    "        [6477, 18387, 22620, 25154, 24364, 29044, np.nan, np.nan],\n",
+    "        [7449, 21145, 26013, 28927, 28019, np.nan, np.nan, np.nan],\n",
+    "        [8566, 24317, 29915, 33266, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [9851, 27965, 34402, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [11329, 32160, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [13028, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s6_reported,\n",
+    "    [\n",
+    "        [3793504, 12084942, 18563821, 25924316, 23516364, 24979245, 24016864, 23506000],\n",
+    "        [3760482, 15830500, 24615996, 33169802, 30722141, 33362729, 32216000, np.nan],\n",
+    "        [5982185, 25583831, 41384825, 50323342, 46191356, 48377000, np.nan, np.nan],\n",
+    "        [7819355, 33794110, 51361061, 64559286, 61163000, np.nan, np.nan, np.nan],\n",
+    "        [9533246, 34585431, 49667342, 73733000, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [10348458, 41241243, 63477000, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [13102479, 48904000, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [15791000, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "84deb2d5",
+   "metadata": {},
+   "source": [
+    "## P300 (Exhibit I Sheet 7)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 83,
+   "id": "16e59d49",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>3.793504e+06</td>\n",
+       "      <td>1.208494e+07</td>\n",
+       "      <td>1.856382e+07</td>\n",
+       "      <td>2.592432e+07</td>\n",
+       "      <td>2.351636e+07</td>\n",
+       "      <td>2.497924e+07</td>\n",
+       "      <td>2.401686e+07</td>\n",
+       "      <td>23506000.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>3.760482e+06</td>\n",
+       "      <td>1.583050e+07</td>\n",
+       "      <td>2.461600e+07</td>\n",
+       "      <td>3.316980e+07</td>\n",
+       "      <td>3.072214e+07</td>\n",
+       "      <td>3.336273e+07</td>\n",
+       "      <td>3.221600e+07</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>5.982185e+06</td>\n",
+       "      <td>2.558383e+07</td>\n",
+       "      <td>4.138482e+07</td>\n",
+       "      <td>5.032334e+07</td>\n",
+       "      <td>4.619136e+07</td>\n",
+       "      <td>4.837700e+07</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>7.819355e+06</td>\n",
+       "      <td>3.379411e+07</td>\n",
+       "      <td>5.136106e+07</td>\n",
+       "      <td>6.455929e+07</td>\n",
+       "      <td>6.116300e+07</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>9.533246e+06</td>\n",
+       "      <td>3.458543e+07</td>\n",
+       "      <td>4.966734e+07</td>\n",
+       "      <td>7.373300e+07</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>1.034846e+07</td>\n",
+       "      <td>4.124124e+07</td>\n",
+       "      <td>6.347700e+07</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>1.310248e+07</td>\n",
+       "      <td>4.890400e+07</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>1.579100e+07</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                12            24            36            48            60  \\\n",
+       "1969  3.793504e+06  1.208494e+07  1.856382e+07  2.592432e+07  2.351636e+07   \n",
+       "1970  3.760482e+06  1.583050e+07  2.461600e+07  3.316980e+07  3.072214e+07   \n",
+       "1971  5.982185e+06  2.558383e+07  4.138482e+07  5.032334e+07  4.619136e+07   \n",
+       "1972  7.819355e+06  3.379411e+07  5.136106e+07  6.455929e+07  6.116300e+07   \n",
+       "1973  9.533246e+06  3.458543e+07  4.966734e+07  7.373300e+07           NaN   \n",
+       "1974  1.034846e+07  4.124124e+07  6.347700e+07           NaN           NaN   \n",
+       "1975  1.310248e+07  4.890400e+07           NaN           NaN           NaN   \n",
+       "1976  1.579100e+07           NaN           NaN           NaN           NaN   \n",
+       "\n",
+       "                72            84          96  \n",
+       "1969  2.497924e+07  2.401686e+07  23506000.0  \n",
+       "1970  3.336273e+07  3.221600e+07         NaN  \n",
+       "1971  4.837700e+07           NaN         NaN  \n",
+       "1972           NaN           NaN         NaN  \n",
+       "1973           NaN           NaN         NaN  \n",
+       "1974           NaN           NaN         NaN  \n",
+       "1975           NaN           NaN         NaN  \n",
+       "1976           NaN           NaN         NaN  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>3.186</td>\n",
+       "      <td>1.536</td>\n",
+       "      <td>1.396</td>\n",
+       "      <td>0.907</td>\n",
+       "      <td>1.062</td>\n",
+       "      <td>0.961</td>\n",
+       "      <td>0.979</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>4.210</td>\n",
+       "      <td>1.555</td>\n",
+       "      <td>1.347</td>\n",
+       "      <td>0.926</td>\n",
+       "      <td>1.086</td>\n",
+       "      <td>0.966</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>4.277</td>\n",
+       "      <td>1.618</td>\n",
+       "      <td>1.216</td>\n",
+       "      <td>0.918</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>4.322</td>\n",
+       "      <td>1.520</td>\n",
+       "      <td>1.257</td>\n",
+       "      <td>0.947</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>3.628</td>\n",
+       "      <td>1.436</td>\n",
+       "      <td>1.485</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3.985</td>\n",
+       "      <td>1.539</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3.732</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "1969  3.186  1.536  1.396  0.907  1.062  0.961  0.979\n",
+       "1970  4.210  1.555  1.347  0.926  1.086  0.966    NaN\n",
+       "1971  4.277  1.618  1.216  0.918  1.047    NaN    NaN\n",
+       "1972  4.322  1.520  1.257  0.947    NaN    NaN    NaN\n",
+       "1973  3.628  1.436  1.485    NaN    NaN    NaN    NaN\n",
+       "1974  3.985  1.539    NaN    NaN    NaN    NaN    NaN\n",
+       "1975  3.732    NaN    NaN    NaN    NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>(All)</th>\n",
+       "      <td>3.906</td>\n",
+       "      <td>1.534</td>\n",
+       "      <td>1.34</td>\n",
+       "      <td>0.925</td>\n",
+       "      <td>1.065</td>\n",
+       "      <td>0.964</td>\n",
+       "      <td>0.979</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "       12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "(All)  3.906  1.534   1.34  0.925  1.065  0.964  0.979"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
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+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "      <th>96-108</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Unadj Selected</th>\n",
+       "      <td>2.532</td>\n",
+       "      <td>1.921</td>\n",
+       "      <td>1.503</td>\n",
+       "      <td>1.170</td>\n",
+       "      <td>1.206</td>\n",
+       "      <td>1.052</td>\n",
+       "      <td>1.027</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Adj Selected</th>\n",
+       "      <td>3.906</td>\n",
+       "      <td>1.534</td>\n",
+       "      <td>1.340</td>\n",
+       "      <td>0.925</td>\n",
+       "      <td>1.065</td>\n",
+       "      <td>0.964</td>\n",
+       "      <td>0.979</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>CDF to Ultimate</th>\n",
+       "      <td>7.465</td>\n",
+       "      <td>1.911</td>\n",
+       "      <td>1.246</td>\n",
+       "      <td>0.930</td>\n",
+       "      <td>1.005</td>\n",
+       "      <td>0.944</td>\n",
+       "      <td>0.979</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Percent Reported</th>\n",
+       "      <td>0.134</td>\n",
+       "      <td>0.523</td>\n",
+       "      <td>0.803</td>\n",
+       "      <td>1.075</td>\n",
+       "      <td>0.995</td>\n",
+       "      <td>1.059</td>\n",
+       "      <td>1.021</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                  12-24  24-36  36-48  48-60  60-72  72-84  84-96  96-108\n",
+       "Unadj Selected    2.532  1.921  1.503  1.170  1.206  1.052  1.027     1.0\n",
+       "Adj Selected      3.906  1.534  1.340  0.925  1.065  0.964  0.979     1.0\n",
+       "CDF to Ultimate   7.465  1.911  1.246  0.930  1.005  0.944  0.979     1.0\n",
+       "Percent Reported  0.134  0.523  0.803  1.075  0.995  1.059  1.021     1.0"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "# Part 1: Data Triangle\n",
+    "exhibit_i_s7_tri = adj_reported.to_frame(origin_as_datetime=False)\n",
+    "display(exhibit_i_s7_tri)\n",
+    "\n",
+    "# Part 2: Age-to-age factors\n",
+    "display(np.round(adj_reported.link_ratio.to_frame(origin_as_datetime=False), decimals=3))\n",
+    "\n",
+    "dev_adj_reported = cl.Development(average=\"simple\").fit(adj_reported)\n",
+    "avg_ldf = np.round(\n",
+    "    dev_adj_reported.ldf_.to_frame(origin_as_datetime=False).values.flatten(), 3\n",
+    ")\n",
+    "display(np.round(dev_adj_reported.ldf_.to_frame(), 3))\n",
+    "\n",
+    "selected_ldf = {\n",
+    "    12: 3.906,\n",
+    "    24: 1.534,\n",
+    "    36: 1.340,\n",
+    "    48: 0.925,\n",
+    "    60: 1.065,\n",
+    "    72: 0.964,\n",
+    "    84: 0.979,\n",
+    "    96: 1.000,\n",
+    "}\n",
+    "# or this\n",
+    "selected_ldf = dict(zip([12, 24, 36, 48, 60, 72, 84, 96], [*avg_ldf, 1.000]))\n",
+    "\n",
+    "# Part 4: Selected age-to-age factors\n",
+    "adj_reported_dev = cl.DevelopmentConstant(patterns=selected_ldf, style=\"ldf\").fit(\n",
+    "    adj_reported\n",
+    ")\n",
+    "cdf = np.round(adj_reported_dev.cdf_.to_frame(origin_as_datetime=False).values.flatten(), 3)\n",
+    "pct_reported = np.round(1.0 / cdf, 3)\n",
+    "\n",
+    "exhibit_i_s7_sel = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Unadj Selected\": list(exhibit_i_s1_sel[\"Selected\"]),\n",
+    "        \"Adj Selected\": list(selected_ldf.values()),\n",
+    "        \"CDF to Ultimate\": cdf,\n",
+    "        \"Percent Reported\": pct_reported,\n",
+    "    },\n",
+    "    index=[\"12-24\", \"24-36\", \"36-48\", \"48-60\", \"60-72\", \"72-84\", \"84-96\", \"96-108\"],\n",
+    ")\n",
+    "display(exhibit_i_s7_sel.T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 84,
+   "id": "12567b2a",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit I Sheet 7 — reconcile to Friedland PDF p300\n",
+    "assert np.allclose(\n",
+    "    np.round(dev_adj_reported.ldf_.to_frame().values.flatten(), 3),\n",
+    "    [3.906, 1.534, 1.340, 0.925, 1.065, 0.964, 0.979],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s7_sel[\"CDF to Ultimate\"],\n",
+    "    [7.465, 1.911, 1.246, 0.930, 1.005, 0.944, 0.979, 1.000],\n",
+    "    atol=0.01,\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "e5245a6f",
+   "metadata": {},
+   "source": [
+    "## P301 (Exhibit I Sheet 8)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 85,
+   "id": "ea20b113",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Age (2)</th>\n",
+       "      <th>Reported (3)</th>\n",
+       "      <th>Paid (4)</th>\n",
+       "      <th>Adj Reported (5)</th>\n",
+       "      <th>CDF Reported (6)</th>\n",
+       "      <th>CDF Paid (7)</th>\n",
+       "      <th>CDF Adj Reported (8)</th>\n",
+       "      <th>Ult Reported (9)</th>\n",
+       "      <th>Ult Paid (10)</th>\n",
+       "      <th>Ult Adj Reported (11)</th>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>origin</th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>96</td>\n",
+       "      <td>23506000.0</td>\n",
+       "      <td>15815000.0</td>\n",
+       "      <td>23506000.0</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>1.486</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>23506000.0</td>\n",
+       "      <td>23501090.0</td>\n",
+       "      <td>23506000.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>84</td>\n",
+       "      <td>32216000.0</td>\n",
+       "      <td>18983000.0</td>\n",
+       "      <td>32216000.0</td>\n",
+       "      <td>1.027</td>\n",
+       "      <td>1.859</td>\n",
+       "      <td>0.979</td>\n",
+       "      <td>33085832.0</td>\n",
+       "      <td>35289397.0</td>\n",
+       "      <td>31539464.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>72</td>\n",
+       "      <td>48377000.0</td>\n",
+       "      <td>17707000.0</td>\n",
+       "      <td>48377000.0</td>\n",
+       "      <td>1.080</td>\n",
+       "      <td>2.616</td>\n",
+       "      <td>0.944</td>\n",
+       "      <td>52247160.0</td>\n",
+       "      <td>46321512.0</td>\n",
+       "      <td>45667888.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>60</td>\n",
+       "      <td>61163000.0</td>\n",
+       "      <td>18518000.0</td>\n",
+       "      <td>61163000.0</td>\n",
+       "      <td>1.303</td>\n",
+       "      <td>4.494</td>\n",
+       "      <td>1.005</td>\n",
+       "      <td>79695389.0</td>\n",
+       "      <td>83219892.0</td>\n",
+       "      <td>61468815.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>48</td>\n",
+       "      <td>73733000.0</td>\n",
+       "      <td>11292000.0</td>\n",
+       "      <td>73733000.0</td>\n",
+       "      <td>1.524</td>\n",
+       "      <td>8.771</td>\n",
+       "      <td>0.930</td>\n",
+       "      <td>112369092.0</td>\n",
+       "      <td>99042132.0</td>\n",
+       "      <td>68571690.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>36</td>\n",
+       "      <td>63477000.0</td>\n",
+       "      <td>6267000.0</td>\n",
+       "      <td>63477000.0</td>\n",
+       "      <td>2.291</td>\n",
+       "      <td>21.534</td>\n",
+       "      <td>1.246</td>\n",
+       "      <td>145425807.0</td>\n",
+       "      <td>134953578.0</td>\n",
+       "      <td>79092342.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>24</td>\n",
+       "      <td>48904000.0</td>\n",
+       "      <td>1565000.0</td>\n",
+       "      <td>48904000.0</td>\n",
+       "      <td>4.402</td>\n",
+       "      <td>79.870</td>\n",
+       "      <td>1.911</td>\n",
+       "      <td>215275408.0</td>\n",
+       "      <td>124996550.0</td>\n",
+       "      <td>93455544.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>12</td>\n",
+       "      <td>15791000.0</td>\n",
+       "      <td>209000.0</td>\n",
+       "      <td>15791000.0</td>\n",
+       "      <td>11.145</td>\n",
+       "      <td>493.993</td>\n",
+       "      <td>7.465</td>\n",
+       "      <td>175990695.0</td>\n",
+       "      <td>103244537.0</td>\n",
+       "      <td>117879815.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "        Age (2)  Reported (3)    Paid (4)  Adj Reported (5)  CDF Reported (6)  \\\n",
+       "origin                                                                          \n",
+       "1969         96    23506000.0  15815000.0        23506000.0             1.000   \n",
+       "1970         84    32216000.0  18983000.0        32216000.0             1.027   \n",
+       "1971         72    48377000.0  17707000.0        48377000.0             1.080   \n",
+       "1972         60    61163000.0  18518000.0        61163000.0             1.303   \n",
+       "1973         48    73733000.0  11292000.0        73733000.0             1.524   \n",
+       "1974         36    63477000.0   6267000.0        63477000.0             2.291   \n",
+       "1975         24    48904000.0   1565000.0        48904000.0             4.402   \n",
+       "1976         12    15791000.0    209000.0        15791000.0            11.145   \n",
+       "\n",
+       "        CDF Paid (7)  CDF Adj Reported (8)  Ult Reported (9)  Ult Paid (10)  \\\n",
+       "origin                                                                        \n",
+       "1969           1.486                 1.000        23506000.0     23501090.0   \n",
+       "1970           1.859                 0.979        33085832.0     35289397.0   \n",
+       "1971           2.616                 0.944        52247160.0     46321512.0   \n",
+       "1972           4.494                 1.005        79695389.0     83219892.0   \n",
+       "1973           8.771                 0.930       112369092.0     99042132.0   \n",
+       "1974          21.534                 1.246       145425807.0    134953578.0   \n",
+       "1975          79.870                 1.911       215275408.0    124996550.0   \n",
+       "1976         493.993                 7.465       175990695.0    103244537.0   \n",
+       "\n",
+       "        Ult Adj Reported (11)  \n",
+       "origin                         \n",
+       "1969               23506000.0  \n",
+       "1970               31539464.0  \n",
+       "1971               45667888.0  \n",
+       "1972               61468815.0  \n",
+       "1973               68571690.0  \n",
+       "1974               79092342.0  \n",
+       "1975               93455544.0  \n",
+       "1976              117879815.0  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Reported (3)</th>\n",
+       "      <th>Paid (4)</th>\n",
+       "      <th>Adj Reported (5)</th>\n",
+       "      <th>Ult Reported (9)</th>\n",
+       "      <th>Ult Paid (10)</th>\n",
+       "      <th>Ult Adj Reported (11)</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Total</th>\n",
+       "      <td>367167000.0</td>\n",
+       "      <td>90356000.0</td>\n",
+       "      <td>367167000.0</td>\n",
+       "      <td>837595383.0</td>\n",
+       "      <td>650568688.0</td>\n",
+       "      <td>521181558.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "       Reported (3)    Paid (4)  Adj Reported (5)  Ult Reported (9)  \\\n",
+       "Total   367167000.0  90356000.0       367167000.0       837595383.0   \n",
+       "\n",
+       "       Ult Paid (10)  Ult Adj Reported (11)  \n",
+       "Total    650568688.0            521181558.0  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "cl_adj_reported = cl.Chainladder().fit(\n",
+    "    cl.DevelopmentConstant(\n",
+    "        patterns=dict(zip(adj_reported.development, exhibit_i_s7_sel[\"CDF to Ultimate\"])),\n",
+    "        style=\"cdf\",\n",
+    "    ).fit_transform(adj_reported)\n",
+    ")\n",
+    "md_adj_reported = cl.model_diagnostics(cl_adj_reported).to_frame(origin_as_datetime=False).T\n",
+    "\n",
+    "exhibit_i_s8 = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Age (2)\": ages,\n",
+    "        \"Reported (3)\": md_reported[\"Latest\"].values,\n",
+    "        \"Paid (4)\": md_paid[\"Latest\"].values,\n",
+    "        \"Adj Reported (5)\": md_adj_reported[\"Latest\"].values,\n",
+    "        \"CDF Reported (6)\": md_reported[\"CDF\"].values,\n",
+    "        \"CDF Paid (7)\": md_paid[\"CDF\"].values,\n",
+    "        \"CDF Adj Reported (8)\": md_adj_reported[\"CDF\"].values,\n",
+    "        \"Ult Reported (9)\": md_reported[\"Ultimate\"].values,\n",
+    "        \"Ult Paid (10)\": md_paid[\"Ultimate\"].values,\n",
+    "        \"Ult Adj Reported (11)\": md_adj_reported[\"Ultimate\"].values,\n",
+    "    },\n",
+    "    index=md_reported.index,\n",
+    ")\n",
+    "display(exhibit_i_s8)\n",
+    "display(\n",
+    "    exhibit_i_s8[\n",
+    "        [\"Reported (3)\", \"Paid (4)\", \"Adj Reported (5)\", \"Ult Reported (9)\", \"Ult Paid (10)\", \"Ult Adj Reported (11)\"]\n",
+    "    ]\n",
+    "    .sum()\n",
+    "    .to_frame(\"Total\")\n",
+    "    .T\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 86,
+   "id": "e7f8f690",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit I Sheet 8 — reconcile to Friedland PDF p301\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s8[\"Ult Reported (9)\"],\n",
+    "    [23506000, 33085832, 52247160, 79695389, 112369092, 145425807, 215275408, 175990695],\n",
+    "    atol=5,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s8[\"Ult Paid (10)\"],\n",
+    "    [23501090, 35289397, 46321512, 83238410, 99064716, 134978646, 125021590, 103266273],\n",
+    "    rtol=0.0003,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s8[\"Ult Adj Reported (11)\"],\n",
+    "    [23506000, 31539464, 45667888, 61468815, 68571690, 79092342, 93455544, 117879815],\n",
+    "    atol=50,\n",
+    ")\n",
+    "assert np.isclose(exhibit_i_s8[\"Reported (3)\"].sum(), 367167000, atol=1)\n",
+    "assert np.isclose(exhibit_i_s8[\"Paid (4)\"].sum(), 90356000, atol=1)\n",
+    "assert np.isclose(exhibit_i_s8[\"Adj Reported (5)\"].sum(), 367167000, atol=1)\n",
+    "assert np.isclose(exhibit_i_s8[\"Ult Reported (9)\"].sum(), 837595383, atol=50)\n",
+    "assert np.isclose(exhibit_i_s8[\"Ult Paid (10)\"].sum(), 650681634, rtol=0.0003)\n",
+    "assert np.isclose(exhibit_i_s8[\"Ult Adj Reported (11)\"].sum(), 521181558, atol=50)\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "66737c74",
+   "metadata": {},
+   "source": [
+    "## P302 (Exhibit I Sheet 9)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 87,
+   "id": "14a84ae0",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Reported (2)</th>\n",
+       "      <th>Paid (3)</th>\n",
+       "      <th>Ult Reported (4)</th>\n",
+       "      <th>Ult Paid (5)</th>\n",
+       "      <th>Ult Adj Reported (6)</th>\n",
+       "      <th>Case Outstanding (7)</th>\n",
+       "      <th>IBNR Reported (8)</th>\n",
+       "      <th>IBNR Paid (9)</th>\n",
+       "      <th>IBNR Adj Reported (10)</th>\n",
+       "      <th>Total Unpaid Reported (11)</th>\n",
+       "      <th>Total Unpaid Paid (12)</th>\n",
+       "      <th>Total Unpaid Adj Reported (13)</th>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>origin</th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "      <th></th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>23506000.0</td>\n",
+       "      <td>15815000.0</td>\n",
+       "      <td>23506000.0</td>\n",
+       "      <td>23501090.0</td>\n",
+       "      <td>23506000.0</td>\n",
+       "      <td>7691000.0</td>\n",
+       "      <td>0.0</td>\n",
+       "      <td>-4910.0</td>\n",
+       "      <td>0.0</td>\n",
+       "      <td>7691000.0</td>\n",
+       "      <td>7686090.0</td>\n",
+       "      <td>7691000.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>32216000.0</td>\n",
+       "      <td>18983000.0</td>\n",
+       "      <td>33085832.0</td>\n",
+       "      <td>35289397.0</td>\n",
+       "      <td>31539464.0</td>\n",
+       "      <td>13233000.0</td>\n",
+       "      <td>869832.0</td>\n",
+       "      <td>3073397.0</td>\n",
+       "      <td>-676536.0</td>\n",
+       "      <td>14102832.0</td>\n",
+       "      <td>16306397.0</td>\n",
+       "      <td>12556464.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>48377000.0</td>\n",
+       "      <td>17707000.0</td>\n",
+       "      <td>52247160.0</td>\n",
+       "      <td>46321512.0</td>\n",
+       "      <td>45667888.0</td>\n",
+       "      <td>30670000.0</td>\n",
+       "      <td>3870160.0</td>\n",
+       "      <td>-2055488.0</td>\n",
+       "      <td>-2709112.0</td>\n",
+       "      <td>34540160.0</td>\n",
+       "      <td>28614512.0</td>\n",
+       "      <td>27960888.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>61163000.0</td>\n",
+       "      <td>18518000.0</td>\n",
+       "      <td>79695389.0</td>\n",
+       "      <td>83219892.0</td>\n",
+       "      <td>61468815.0</td>\n",
+       "      <td>42645000.0</td>\n",
+       "      <td>18532389.0</td>\n",
+       "      <td>22056892.0</td>\n",
+       "      <td>305815.0</td>\n",
+       "      <td>61177389.0</td>\n",
+       "      <td>64701892.0</td>\n",
+       "      <td>42950815.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>73733000.0</td>\n",
+       "      <td>11292000.0</td>\n",
+       "      <td>112369092.0</td>\n",
+       "      <td>99042132.0</td>\n",
+       "      <td>68571690.0</td>\n",
+       "      <td>62441000.0</td>\n",
+       "      <td>38636092.0</td>\n",
+       "      <td>25309132.0</td>\n",
+       "      <td>-5161310.0</td>\n",
+       "      <td>101077092.0</td>\n",
+       "      <td>87750132.0</td>\n",
+       "      <td>57279690.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>63477000.0</td>\n",
+       "      <td>6267000.0</td>\n",
+       "      <td>145425807.0</td>\n",
+       "      <td>134953578.0</td>\n",
+       "      <td>79092342.0</td>\n",
+       "      <td>57210000.0</td>\n",
+       "      <td>81948807.0</td>\n",
+       "      <td>71476578.0</td>\n",
+       "      <td>15615342.0</td>\n",
+       "      <td>139158807.0</td>\n",
+       "      <td>128686578.0</td>\n",
+       "      <td>72825342.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>48904000.0</td>\n",
+       "      <td>1565000.0</td>\n",
+       "      <td>215275408.0</td>\n",
+       "      <td>124996550.0</td>\n",
+       "      <td>93455544.0</td>\n",
+       "      <td>47339000.0</td>\n",
+       "      <td>166371408.0</td>\n",
+       "      <td>76092550.0</td>\n",
+       "      <td>44551544.0</td>\n",
+       "      <td>213710408.0</td>\n",
+       "      <td>123431550.0</td>\n",
+       "      <td>91890544.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>15791000.0</td>\n",
+       "      <td>209000.0</td>\n",
+       "      <td>175990695.0</td>\n",
+       "      <td>103244537.0</td>\n",
+       "      <td>117879815.0</td>\n",
+       "      <td>15582000.0</td>\n",
+       "      <td>160199695.0</td>\n",
+       "      <td>87453537.0</td>\n",
+       "      <td>102088815.0</td>\n",
+       "      <td>175781695.0</td>\n",
+       "      <td>103035537.0</td>\n",
+       "      <td>117670815.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "        Reported (2)    Paid (3)  Ult Reported (4)  Ult Paid (5)  \\\n",
+       "origin                                                             \n",
+       "1969      23506000.0  15815000.0        23506000.0    23501090.0   \n",
+       "1970      32216000.0  18983000.0        33085832.0    35289397.0   \n",
+       "1971      48377000.0  17707000.0        52247160.0    46321512.0   \n",
+       "1972      61163000.0  18518000.0        79695389.0    83219892.0   \n",
+       "1973      73733000.0  11292000.0       112369092.0    99042132.0   \n",
+       "1974      63477000.0   6267000.0       145425807.0   134953578.0   \n",
+       "1975      48904000.0   1565000.0       215275408.0   124996550.0   \n",
+       "1976      15791000.0    209000.0       175990695.0   103244537.0   \n",
+       "\n",
+       "        Ult Adj Reported (6)  Case Outstanding (7)  IBNR Reported (8)  \\\n",
+       "origin                                                                  \n",
+       "1969              23506000.0             7691000.0                0.0   \n",
+       "1970              31539464.0            13233000.0           869832.0   \n",
+       "1971              45667888.0            30670000.0          3870160.0   \n",
+       "1972              61468815.0            42645000.0         18532389.0   \n",
+       "1973              68571690.0            62441000.0         38636092.0   \n",
+       "1974              79092342.0            57210000.0         81948807.0   \n",
+       "1975              93455544.0            47339000.0        166371408.0   \n",
+       "1976             117879815.0            15582000.0        160199695.0   \n",
+       "\n",
+       "        IBNR Paid (9)  IBNR Adj Reported (10)  Total Unpaid Reported (11)  \\\n",
+       "origin                                                                      \n",
+       "1969          -4910.0                     0.0                   7691000.0   \n",
+       "1970        3073397.0               -676536.0                  14102832.0   \n",
+       "1971       -2055488.0              -2709112.0                  34540160.0   \n",
+       "1972       22056892.0                305815.0                  61177389.0   \n",
+       "1973       25309132.0              -5161310.0                 101077092.0   \n",
+       "1974       71476578.0              15615342.0                 139158807.0   \n",
+       "1975       76092550.0              44551544.0                 213710408.0   \n",
+       "1976       87453537.0             102088815.0                 175781695.0   \n",
+       "\n",
+       "        Total Unpaid Paid (12)  Total Unpaid Adj Reported (13)  \n",
+       "origin                                                          \n",
+       "1969                 7686090.0                       7691000.0  \n",
+       "1970                16306397.0                      12556464.0  \n",
+       "1971                28614512.0                      27960888.0  \n",
+       "1972                64701892.0                      42950815.0  \n",
+       "1973                87750132.0                      57279690.0  \n",
+       "1974               128686578.0                      72825342.0  \n",
+       "1975               123431550.0                      91890544.0  \n",
+       "1976               103035537.0                     117670815.0  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Reported (2)</th>\n",
+       "      <th>Paid (3)</th>\n",
+       "      <th>Ult Reported (4)</th>\n",
+       "      <th>Ult Paid (5)</th>\n",
+       "      <th>Ult Adj Reported (6)</th>\n",
+       "      <th>Case Outstanding (7)</th>\n",
+       "      <th>IBNR Reported (8)</th>\n",
+       "      <th>IBNR Paid (9)</th>\n",
+       "      <th>IBNR Adj Reported (10)</th>\n",
+       "      <th>Total Unpaid Reported (11)</th>\n",
+       "      <th>Total Unpaid Paid (12)</th>\n",
+       "      <th>Total Unpaid Adj Reported (13)</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Total</th>\n",
+       "      <td>367167000.0</td>\n",
+       "      <td>90356000.0</td>\n",
+       "      <td>837595383.0</td>\n",
+       "      <td>650568688.0</td>\n",
+       "      <td>521181558.0</td>\n",
+       "      <td>276811000.0</td>\n",
+       "      <td>470428383.0</td>\n",
+       "      <td>283401688.0</td>\n",
+       "      <td>154014558.0</td>\n",
+       "      <td>747239383.0</td>\n",
+       "      <td>560212688.0</td>\n",
+       "      <td>430825558.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "       Reported (2)    Paid (3)  Ult Reported (4)  Ult Paid (5)  \\\n",
+       "Total   367167000.0  90356000.0       837595383.0   650568688.0   \n",
+       "\n",
+       "       Ult Adj Reported (6)  Case Outstanding (7)  IBNR Reported (8)  \\\n",
+       "Total           521181558.0           276811000.0        470428383.0   \n",
+       "\n",
+       "       IBNR Paid (9)  IBNR Adj Reported (10)  Total Unpaid Reported (11)  \\\n",
+       "Total    283401688.0             154014558.0                 747239383.0   \n",
+       "\n",
+       "       Total Unpaid Paid (12)  Total Unpaid Adj Reported (13)  \n",
+       "Total             560212688.0                     430825558.0  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "case_latest = case.latest_diagonal.to_frame(origin_as_datetime=False).iloc[:, 0]\n",
+    "\n",
+    "exhibit_i_s9 = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Reported (2)\": exhibit_i_s8[\"Reported (3)\"],\n",
+    "        \"Paid (3)\": exhibit_i_s8[\"Paid (4)\"],\n",
+    "        \"Ult Reported (4)\": exhibit_i_s8[\"Ult Reported (9)\"],\n",
+    "        \"Ult Paid (5)\": exhibit_i_s8[\"Ult Paid (10)\"],\n",
+    "        \"Ult Adj Reported (6)\": exhibit_i_s8[\"Ult Adj Reported (11)\"],\n",
+    "        \"Case Outstanding (7)\": case_latest.values,\n",
+    "        # While the next three columns are strictly about IBNRs, the `.ibnr_`` from the package actually meant unemerged\n",
+    "        \"IBNR Reported (8)\": np.nan_to_num(\n",
+    "            cl_reported.ibnr_.to_frame(origin_as_datetime=False).iloc[:, 0].values\n",
+    "        ),\n",
+    "        # See the comment above, we'll need to take out case outstanding for column 9.\n",
+    "        \"IBNR Paid (9)\": cl_paid.ibnr_.to_frame(origin_as_datetime=False).iloc[:, 0].values - case_latest.values,\n",
+    "        \"IBNR Adj Reported (10)\": np.nan_to_num(\n",
+    "            cl_adj_reported.ibnr_.to_frame(origin_as_datetime=False).iloc[:, 0].values\n",
+    "        ),\n",
+    "    },\n",
+    "    index=exhibit_i_s8.index,\n",
+    ")\n",
+    "exhibit_i_s9[\"Total Unpaid Reported (11)\"] = (\n",
+    "    exhibit_i_s9[\"Case Outstanding (7)\"] + exhibit_i_s9[\"IBNR Reported (8)\"]\n",
+    ")\n",
+    "exhibit_i_s9[\"Total Unpaid Paid (12)\"] = (\n",
+    "    exhibit_i_s9[\"Case Outstanding (7)\"] + exhibit_i_s9[\"IBNR Paid (9)\"]\n",
+    ")\n",
+    "exhibit_i_s9[\"Total Unpaid Adj Reported (13)\"] = (\n",
+    "    exhibit_i_s9[\"Case Outstanding (7)\"] + exhibit_i_s9[\"IBNR Adj Reported (10)\"]\n",
+    ")\n",
+    "display(exhibit_i_s9)\n",
+    "display(exhibit_i_s9.sum().to_frame(\"Total\").T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 88,
+   "id": "95899307",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit I Sheet 9 — reconcile to Friedland PDF p302\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s9[\"Case Outstanding (7)\"],\n",
+    "    [7691000, 13233000, 30670000, 42645000, 62441000, 57210000, 47339000, 15582000],\n",
+    "    atol=1,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s9[\"IBNR Reported (8)\"],\n",
+    "    [0, 869832, 3870160, 18532389, 38636092, 81948807, 166371408, 160199695],\n",
+    "    atol=50,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s9[\"IBNR Paid (9)\"],\n",
+    "    [-4910, 3073397, -2055488, 22075410, 25331716, 71501646, 76117590, 87475273],\n",
+    "    atol=26000,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s9[\"IBNR Adj Reported (10)\"],\n",
+    "    [0, -676536, -2709112, 305815, -5161310, 15615342, 44551544, 102088815],\n",
+    "    atol=50,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s9[\"Total Unpaid Reported (11)\"],\n",
+    "    [7691000, 14102832, 34540160, 61177389, 101077092, 139158807, 213710408, 175781695],\n",
+    "    atol=50,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s9[\"Total Unpaid Paid (12)\"],\n",
+    "    [7686090, 16306397, 28614512, 64720410, 87772716, 128711646, 123456590, 103057273],\n",
+    "    atol=26000,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_i_s9[\"Total Unpaid Adj Reported (13)\"],\n",
+    "    [7691000, 12556464, 27960888, 42950815, 57279690, 72825342, 91890544, 117670815],\n",
+    "    atol=50,\n",
+    ")\n",
+    "assert np.isclose(exhibit_i_s9[\"Case Outstanding (7)\"].sum(), 276811000, atol=1)\n",
+    "assert np.isclose(exhibit_i_s9[\"IBNR Reported (8)\"].sum(), 470428383, atol=50)\n",
+    "assert np.isclose(exhibit_i_s9[\"IBNR Paid (9)\"].sum(), 283514634, atol=150000)\n",
+    "assert np.isclose(exhibit_i_s9[\"IBNR Adj Reported (10)\"].sum(), 154014558, atol=50)\n",
+    "assert np.isclose(exhibit_i_s9[\"Total Unpaid Reported (11)\"].sum(), 747239383, atol=50)\n",
+    "assert np.isclose(exhibit_i_s9[\"Total Unpaid Paid (12)\"].sum(), 560325634, atol=150000)\n",
+    "assert np.isclose(exhibit_i_s9[\"Total Unpaid Adj Reported (13)\"].sum(), 430825558, atol=50)\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "3b6c7aa2",
+   "metadata": {},
+   "source": [
+    "## P303 (Exhibit I Sheet 10)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 89,
+   "id": "abf85017",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "image/png": 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",
+      "text/plain": [
+       "<Figure size 800x500 with 2 Axes>"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "# This work is not really part of the package\n",
+    "# but I'm including it for completeness, it shows the sensitivity of the unpaid claim estimate \n",
+    "# to the assumed annual severity trend\n",
+    "\n",
+    "def unpaid(tri):\n",
+    "    # Selected LDFs: all-year simple average, rounded like the exhibit\n",
+    "    ldf = np.round(\n",
+    "        cl.Development(average=\"simple\").fit(tri).ldf_.to_frame(origin_as_datetime=False).values.flatten(),\n",
+    "        3,\n",
+    "    )\n",
+    "    developed = cl.DevelopmentConstant(\n",
+    "        patterns=dict(zip([12, 24, 36, 48, 60, 72, 84, 96], [*ldf, 1.0])),\n",
+    "        style=\"ldf\",\n",
+    "    ).fit_transform(tri)\n",
+    "    ult = cl.Chainladder().fit(developed).ultimate_.to_frame(origin_as_datetime=False).iloc[:, 0]\n",
+    "    # Total unpaid = case outstanding + IBNR, with IBNR = ultimate − reported\n",
+    "    return (case_latest.values + ult.values - reported_latest.values).sum()\n",
+    "\n",
+    "\n",
+    "# unadjusted reported unpaid from Sheet 9\n",
+    "unadj_unpaid = exhibit_i_s9[\"Total Unpaid Reported (11)\"].sum()\n",
+    "selected_trend = 0.15  # trend used on Sheet 6\n",
+    "trends = np.arange(0, 36, 5) / 100\n",
+    "\n",
+    "# Re-run Berquist-Sherman and develop at each trend step\n",
+    "adj_unpaid = np.array(\n",
+    "    [\n",
+    "        unpaid(\n",
+    "            cl.BerquistSherman(\n",
+    "                paid_amount=\"Paid\",\n",
+    "                incurred_amount=\"Incurred\",\n",
+    "                reported_count=\"Reported\",\n",
+    "                closed_count=\"Closed\",\n",
+    "                trend=trend,\n",
+    "            )\n",
+    "            .fit(med_mal)\n",
+    "            .adjusted_triangle_[\"Incurred\"]\n",
+    "        )\n",
+    "        for trend in trends\n",
+    "    ]\n",
+    ") / 1e6\n",
+    "\n",
+    "# trend where the adjusted estimate equals the unadjusted \n",
+    "crossing_trend = np.interp(unadj_unpaid / 1e6, adj_unpaid, trends)\n",
+    "\n",
+    "fig, ax = plt.subplots(figsize=(8, 5))\n",
+    "ax.plot(trends, adj_unpaid, color=\"black\", linewidth=1.5)  # sensitivity curve\n",
+    "\n",
+    "# blue diamond: unadjusted unpaid\n",
+    "ax.plot(\n",
+    "    crossing_trend,\n",
+    "    unadj_unpaid / 1e6,\n",
+    "    linestyle=\"None\",\n",
+    "    marker=\"D\",\n",
+    "    color=\"blue\",\n",
+    "    label=\"Before Adjustment\",\n",
+    ")\n",
+    "\n",
+    "# red square: adjusted unpaid at the 15% selected trend\n",
+    "ax.plot(\n",
+    "    selected_trend,\n",
+    "    adj_unpaid[trends == selected_trend][0],\n",
+    "    linestyle=\"None\",\n",
+    "    marker=\"s\",\n",
+    "    color=\"red\",\n",
+    "    label=\"After Adjustment\",\n",
+    ")\n",
+    "\n",
+    "# titles and labels\n",
+    "ax.set_xlabel(\"Annual Severity Trend\")\n",
+    "ax.set_ylabel(\"Unpaid Claim Estimate ($ Millions)\")\n",
+    "ax.set_xlim(0, 0.35)\n",
+    "ax.set_ylim(0, 900)\n",
+    "ax.set_xticks(trends)\n",
+    "ax.xaxis.set_major_formatter(plt.FuncFormatter(lambda x, _: f\"{x:.0%}\"))\n",
+    "ax2 = ax.twinx()\n",
+    "ax2.set_ylabel(\"Percent of Unadjusted Unpaid Claim Estimate\")\n",
+    "ax2.set_ylim(*(np.array(ax.get_ylim()) * 1e6 / unadj_unpaid))\n",
+    "ax2.yaxis.set_major_formatter(plt.FuncFormatter(lambda x, _: f\"{x:.0%}\"))\n",
+    "ax2.axhline(1.0, color=\"gray\", linestyle=\"--\", linewidth=0.8)\n",
+    "ax.legend(loc=\"upper center\", bbox_to_anchor=(0.5, -0.22), ncol=2, frameon=False)\n",
+    "ax.set_title(\"Sensitivity of Unpaid Claim Estimate to Assumed Annual Severity Trend\")\n",
+    "plt.tight_layout()\n",
+    "plt.show()\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 90,
+   "id": "9a869561",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit I Sheet 10 — reconcile to Friedland PDF p303\n",
+    "# Omitted, not reconciling graphs"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "aed810f0",
+   "metadata": {},
+   "source": [
+    "## P304 (Exhibit II Sheet 1)"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 91,
+   "id": "a411a304",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>1904.0</td>\n",
+       "      <td>5398.0</td>\n",
+       "      <td>7496.0</td>\n",
+       "      <td>8882.0</td>\n",
+       "      <td>9712.0</td>\n",
+       "      <td>10071.0</td>\n",
+       "      <td>10199.0</td>\n",
+       "      <td>10256.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>2235.0</td>\n",
+       "      <td>6261.0</td>\n",
+       "      <td>8691.0</td>\n",
+       "      <td>10443.0</td>\n",
+       "      <td>11346.0</td>\n",
+       "      <td>11754.0</td>\n",
+       "      <td>12031.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>2441.0</td>\n",
+       "      <td>7348.0</td>\n",
+       "      <td>10662.0</td>\n",
+       "      <td>12655.0</td>\n",
+       "      <td>13748.0</td>\n",
+       "      <td>14235.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>2503.0</td>\n",
+       "      <td>8173.0</td>\n",
+       "      <td>11810.0</td>\n",
+       "      <td>14176.0</td>\n",
+       "      <td>15383.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>2838.0</td>\n",
+       "      <td>8712.0</td>\n",
+       "      <td>12728.0</td>\n",
+       "      <td>15278.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>2405.0</td>\n",
+       "      <td>7858.0</td>\n",
+       "      <td>11771.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>2759.0</td>\n",
+       "      <td>9182.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>2801.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24       36       48       60       72       84       96\n",
+       "1969  1904.0  5398.0   7496.0   8882.0   9712.0  10071.0  10199.0  10256.0\n",
+       "1970  2235.0  6261.0   8691.0  10443.0  11346.0  11754.0  12031.0      NaN\n",
+       "1971  2441.0  7348.0  10662.0  12655.0  13748.0  14235.0      NaN      NaN\n",
+       "1972  2503.0  8173.0  11810.0  14176.0  15383.0      NaN      NaN      NaN\n",
+       "1973  2838.0  8712.0  12728.0  15278.0      NaN      NaN      NaN      NaN\n",
+       "1974  2405.0  7858.0  11771.0      NaN      NaN      NaN      NaN      NaN\n",
+       "1975  2759.0  9182.0      NaN      NaN      NaN      NaN      NaN      NaN\n",
+       "1976  2801.0     NaN      NaN      NaN      NaN      NaN      NaN      NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>2.835</td>\n",
+       "      <td>1.389</td>\n",
+       "      <td>1.185</td>\n",
+       "      <td>1.093</td>\n",
+       "      <td>1.037</td>\n",
+       "      <td>1.013</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>2.801</td>\n",
+       "      <td>1.388</td>\n",
+       "      <td>1.202</td>\n",
+       "      <td>1.086</td>\n",
+       "      <td>1.036</td>\n",
+       "      <td>1.024</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>3.010</td>\n",
+       "      <td>1.451</td>\n",
+       "      <td>1.187</td>\n",
+       "      <td>1.086</td>\n",
+       "      <td>1.035</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>3.265</td>\n",
+       "      <td>1.445</td>\n",
+       "      <td>1.200</td>\n",
+       "      <td>1.085</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>3.070</td>\n",
+       "      <td>1.461</td>\n",
+       "      <td>1.200</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3.267</td>\n",
+       "      <td>1.498</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3.328</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "1969  2.835  1.389  1.185  1.093  1.037  1.013  1.006\n",
+       "1970  2.801  1.388  1.202  1.086  1.036  1.024    NaN\n",
+       "1971  3.010  1.451  1.187  1.086  1.035    NaN    NaN\n",
+       "1972  3.265  1.445  1.200  1.085    NaN    NaN    NaN\n",
+       "1973  3.070  1.461  1.200    NaN    NaN    NaN    NaN\n",
+       "1974  3.267  1.498    NaN    NaN    NaN    NaN    NaN\n",
+       "1975  3.328    NaN    NaN    NaN    NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Simple All Years</th>\n",
+       "      <td>3.082</td>\n",
+       "      <td>1.439</td>\n",
+       "      <td>1.195</td>\n",
+       "      <td>1.088</td>\n",
+       "      <td>1.036</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Simple Latest 4</th>\n",
+       "      <td>3.233</td>\n",
+       "      <td>1.464</td>\n",
+       "      <td>1.197</td>\n",
+       "      <td>1.088</td>\n",
+       "      <td>1.036</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Volume All Years</th>\n",
+       "      <td>3.098</td>\n",
+       "      <td>1.444</td>\n",
+       "      <td>1.196</td>\n",
+       "      <td>1.087</td>\n",
+       "      <td>1.036</td>\n",
+       "      <td>1.019</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Volume Latest 4</th>\n",
+       "      <td>3.229</td>\n",
+       "      <td>1.464</td>\n",
+       "      <td>1.197</td>\n",
+       "      <td>1.087</td>\n",
+       "      <td>1.036</td>\n",
+       "      <td>1.019</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                  12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "Simple All Years  3.082  1.439  1.195  1.088  1.036  1.018  1.006\n",
+       "Simple Latest 4   3.233  1.464  1.197  1.088  1.036  1.018  1.006\n",
+       "Volume All Years  3.098  1.444  1.196  1.087  1.036  1.019  1.006\n",
+       "Volume Latest 4   3.229  1.464  1.197  1.087  1.036  1.019  1.006"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "      <th>96-108</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Selected</th>\n",
+       "      <td>3.098</td>\n",
+       "      <td>1.444</td>\n",
+       "      <td>1.196</td>\n",
+       "      <td>1.087</td>\n",
+       "      <td>1.036</td>\n",
+       "      <td>1.019</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>CDF to Ultimate</th>\n",
+       "      <td>6.176</td>\n",
+       "      <td>1.994</td>\n",
+       "      <td>1.381</td>\n",
+       "      <td>1.154</td>\n",
+       "      <td>1.062</td>\n",
+       "      <td>1.025</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Percent Paid</th>\n",
+       "      <td>0.162</td>\n",
+       "      <td>0.502</td>\n",
+       "      <td>0.724</td>\n",
+       "      <td>0.867</td>\n",
+       "      <td>0.942</td>\n",
+       "      <td>0.976</td>\n",
+       "      <td>0.994</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                 12-24  24-36  36-48  48-60  60-72  72-84  84-96  96-108\n",
+       "Selected         3.098  1.444  1.196  1.087  1.036  1.019  1.006     1.0\n",
+       "CDF to Ultimate  6.176  1.994  1.381  1.154  1.062  1.025  1.006     1.0\n",
+       "Percent Paid     0.162  0.502  0.724  0.867  0.942  0.976  0.994     1.0"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "auto = cl.load_sample(\"friedland_berq_sher_auto\")\n",
+    "paid_auto = auto[\"Paid Claims\"]\n",
+    "\n",
+    "# Part 1\n",
+    "display(paid_auto.to_frame(origin_as_datetime=False))\n",
+    "\n",
+    "# Part 2\n",
+    "display(np.round(paid_auto.link_ratio.to_frame(origin_as_datetime=False), 3))\n",
+    "\n",
+    "# Part 3\n",
+    "avg_params = {\n",
+    "    \"Simple All Years\": {\"average\": \"simple\"},\n",
+    "    \"Simple Latest 4\": {\"average\": \"simple\", \"n_periods\": 4},\n",
+    "    \"Volume All Years\": {\"average\": \"volume\"},\n",
+    "    \"Volume Latest 4\": {\"average\": \"volume\", \"n_periods\": 4},\n",
+    "}\n",
+    "devs = {k: cl.Development(**v).fit(paid_auto) for k, v in avg_params.items()}\n",
+    "display(\n",
+    "    np.round(\n",
+    "        pd.concat(\n",
+    "            [v.ldf_.to_frame().rename(index={\"(All)\": k}) for k, v in devs.items()]\n",
+    "        ),\n",
+    "        3,\n",
+    "    )\n",
+    ")\n",
+    "dev_paid_auto = devs[\"Volume All Years\"]\n",
+    "\n",
+    "# Part 4\n",
+    "selected_ldf = {\n",
+    "    12: 3.098,\n",
+    "    24: 1.444,\n",
+    "    36: 1.196,\n",
+    "    48: 1.087,\n",
+    "    60: 1.036,\n",
+    "    72: 1.019,\n",
+    "    84: 1.006,\n",
+    "    96: 1.000,\n",
+    "}\n",
+    "# or this\n",
+    "avg_ldf = np.round(dev_paid_auto.ldf_.to_frame().values.flatten(), 3)\n",
+    "selected_ldf = dict(zip([12, 24, 36, 48, 60, 72, 84, 96], [*avg_ldf, 1.000]))\n",
+    "\n",
+    "paid_auto_dev = cl.DevelopmentConstant(patterns=selected_ldf, style=\"ldf\").fit(paid_auto)\n",
+    "cdf = np.round(paid_auto_dev.cdf_.to_frame().values.flatten(), 3)\n",
+    "pct_paid = np.round(1.0 / cdf, 3)\n",
+    "\n",
+    "exhibit_ii_s1_sel = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Selected\": list(selected_ldf.values()),\n",
+    "        \"CDF to Ultimate\": cdf,\n",
+    "        \"Percent Paid\": pct_paid,\n",
+    "    },\n",
+    "    index=[\"12-24\", \"24-36\", \"36-48\", \"48-60\", \"60-72\", \"72-84\", \"84-96\", \"96-108\"],\n",
+    ")\n",
+    "display(exhibit_ii_s1_sel.T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 92,
+   "id": "76c7661f",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 1 — reconcile to Friedland PDF p304\n",
+    "exhibit_ii_s1_tri = paid_auto.to_frame(origin_as_datetime=False)\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s1_tri,\n",
+    "    [\n",
+    "        [1904, 5398, 7496, 8882, 9712, 10071, 10199, 10256],\n",
+    "        [2235, 6261, 8691, 10443, 11346, 11754, 12031, np.nan],\n",
+    "        [2441, 7348, 10662, 12655, 13748, 14235, np.nan, np.nan],\n",
+    "        [2503, 8173, 11810, 14176, 15383, np.nan, np.nan, np.nan],\n",
+    "        [2838, 8712, 12728, 15278, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [2405, 7858, 11771, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [2759, 9182, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [2801, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    ")\n",
+    "exhibit_ii_s1_ata = np.round(paid_auto.link_ratio.to_frame(origin_as_datetime=False), 3)\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s1_ata,\n",
+    "    [\n",
+    "        [2.835, 1.389, 1.185, 1.093, 1.037, 1.013, 1.006],\n",
+    "        [2.801, 1.388, 1.202, 1.086, 1.036, 1.024, np.nan],\n",
+    "        [3.010, 1.451, 1.187, 1.086, 1.035, np.nan, np.nan],\n",
+    "        [3.265, 1.445, 1.200, 1.085, np.nan, np.nan, np.nan],\n",
+    "        [3.070, 1.461, 1.200, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [3.267, 1.498, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [3.328, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round(devs[\"Simple All Years\"].ldf_.to_frame().values.flatten(), 3),\n",
+    "    [3.082, 1.439, 1.195, 1.088, 1.036, 1.018, 1.006],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round(devs[\"Simple Latest 4\"].ldf_.to_frame().values.flatten(), 3),\n",
+    "    [3.233, 1.464, 1.197, 1.088, 1.036, 1.018, 1.006],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round(devs[\"Volume All Years\"].ldf_.to_frame().values.flatten(), 3),\n",
+    "    [3.098, 1.444, 1.196, 1.087, 1.036, 1.019, 1.006],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round(devs[\"Volume Latest 4\"].ldf_.to_frame().values.flatten(), 3),\n",
+    "    [3.229, 1.464, 1.197, 1.087, 1.036, 1.019, 1.006],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s1_sel[\"CDF to Ultimate\"],\n",
+    "    [6.170, 1.991, 1.379, 1.154, 1.061, 1.024, 1.006, 1.000],\n",
+    "    atol=0.006,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s1_sel[\"Percent Paid\"],\n",
+    "    [0.162, 0.502, 0.724, 0.867, 0.942, 0.976, 0.994, 1.000],\n",
+    "    atol=0.001,\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "42f5b236",
+   "metadata": {},
+   "source": [
+    "## P305 (Exhibit II Sheet 2)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 93,
+   "id": "a0dc3dc1",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>4079.0</td>\n",
+       "      <td>6616.0</td>\n",
+       "      <td>7192.0</td>\n",
+       "      <td>7494.0</td>\n",
+       "      <td>7670.0</td>\n",
+       "      <td>7749.0</td>\n",
+       "      <td>7792.0</td>\n",
+       "      <td>7806.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>4429.0</td>\n",
+       "      <td>7230.0</td>\n",
+       "      <td>7899.0</td>\n",
+       "      <td>8291.0</td>\n",
+       "      <td>8494.0</td>\n",
+       "      <td>8606.0</td>\n",
+       "      <td>8647.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>4914.0</td>\n",
+       "      <td>8174.0</td>\n",
+       "      <td>9068.0</td>\n",
+       "      <td>9518.0</td>\n",
+       "      <td>9761.0</td>\n",
+       "      <td>9855.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>4497.0</td>\n",
+       "      <td>7842.0</td>\n",
+       "      <td>8747.0</td>\n",
+       "      <td>9254.0</td>\n",
+       "      <td>9469.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>4419.0</td>\n",
+       "      <td>7665.0</td>\n",
+       "      <td>8659.0</td>\n",
+       "      <td>9093.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3486.0</td>\n",
+       "      <td>6214.0</td>\n",
+       "      <td>6916.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3516.0</td>\n",
+       "      <td>6226.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>3230.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24      36      48      60      72      84      96\n",
+       "1969  4079.0  6616.0  7192.0  7494.0  7670.0  7749.0  7792.0  7806.0\n",
+       "1970  4429.0  7230.0  7899.0  8291.0  8494.0  8606.0  8647.0     NaN\n",
+       "1971  4914.0  8174.0  9068.0  9518.0  9761.0  9855.0     NaN     NaN\n",
+       "1972  4497.0  7842.0  8747.0  9254.0  9469.0     NaN     NaN     NaN\n",
+       "1973  4419.0  7665.0  8659.0  9093.0     NaN     NaN     NaN     NaN\n",
+       "1974  3486.0  6214.0  6916.0     NaN     NaN     NaN     NaN     NaN\n",
+       "1975  3516.0  6226.0     NaN     NaN     NaN     NaN     NaN     NaN\n",
+       "1976  3230.0     NaN     NaN     NaN     NaN     NaN     NaN     NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>6553.0</td>\n",
+       "      <td>7696.0</td>\n",
+       "      <td>7770.0</td>\n",
+       "      <td>7799.0</td>\n",
+       "      <td>7814.0</td>\n",
+       "      <td>7819.0</td>\n",
+       "      <td>7820.0</td>\n",
+       "      <td>7821.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>7277.0</td>\n",
+       "      <td>8537.0</td>\n",
+       "      <td>8615.0</td>\n",
+       "      <td>8661.0</td>\n",
+       "      <td>8675.0</td>\n",
+       "      <td>8679.0</td>\n",
+       "      <td>8682.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>8259.0</td>\n",
+       "      <td>9765.0</td>\n",
+       "      <td>9884.0</td>\n",
+       "      <td>9926.0</td>\n",
+       "      <td>9940.0</td>\n",
+       "      <td>9945.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>7858.0</td>\n",
+       "      <td>9474.0</td>\n",
+       "      <td>9615.0</td>\n",
+       "      <td>9664.0</td>\n",
+       "      <td>9680.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>7808.0</td>\n",
+       "      <td>9376.0</td>\n",
+       "      <td>9513.0</td>\n",
+       "      <td>9562.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>6278.0</td>\n",
+       "      <td>7614.0</td>\n",
+       "      <td>7741.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>6446.0</td>\n",
+       "      <td>7884.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>6115.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24      36      48      60      72      84      96\n",
+       "1969  6553.0  7696.0  7770.0  7799.0  7814.0  7819.0  7820.0  7821.0\n",
+       "1970  7277.0  8537.0  8615.0  8661.0  8675.0  8679.0  8682.0     NaN\n",
+       "1971  8259.0  9765.0  9884.0  9926.0  9940.0  9945.0     NaN     NaN\n",
+       "1972  7858.0  9474.0  9615.0  9664.0  9680.0     NaN     NaN     NaN\n",
+       "1973  7808.0  9376.0  9513.0  9562.0     NaN     NaN     NaN     NaN\n",
+       "1974  6278.0  7614.0  7741.0     NaN     NaN     NaN     NaN     NaN\n",
+       "1975  6446.0  7884.0     NaN     NaN     NaN     NaN     NaN     NaN\n",
+       "1976  6115.0     NaN     NaN     NaN     NaN     NaN     NaN     NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>0.622</td>\n",
+       "      <td>0.860</td>\n",
+       "      <td>0.926</td>\n",
+       "      <td>0.961</td>\n",
+       "      <td>0.982</td>\n",
+       "      <td>0.991</td>\n",
+       "      <td>0.996</td>\n",
+       "      <td>0.998</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>0.609</td>\n",
+       "      <td>0.847</td>\n",
+       "      <td>0.917</td>\n",
+       "      <td>0.957</td>\n",
+       "      <td>0.979</td>\n",
+       "      <td>0.992</td>\n",
+       "      <td>0.996</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>0.595</td>\n",
+       "      <td>0.837</td>\n",
+       "      <td>0.917</td>\n",
+       "      <td>0.959</td>\n",
+       "      <td>0.982</td>\n",
+       "      <td>0.991</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>0.572</td>\n",
+       "      <td>0.828</td>\n",
+       "      <td>0.910</td>\n",
+       "      <td>0.958</td>\n",
+       "      <td>0.978</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>0.566</td>\n",
+       "      <td>0.818</td>\n",
+       "      <td>0.910</td>\n",
+       "      <td>0.951</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>0.555</td>\n",
+       "      <td>0.816</td>\n",
+       "      <td>0.893</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>0.545</td>\n",
+       "      <td>0.790</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>0.528</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "         12     24     36     48     60     72     84     96\n",
+       "1969  0.622  0.860  0.926  0.961  0.982  0.991  0.996  0.998\n",
+       "1970  0.609  0.847  0.917  0.957  0.979  0.992  0.996    NaN\n",
+       "1971  0.595  0.837  0.917  0.959  0.982  0.991    NaN    NaN\n",
+       "1972  0.572  0.828  0.910  0.958  0.978    NaN    NaN    NaN\n",
+       "1973  0.566  0.818  0.910  0.951    NaN    NaN    NaN    NaN\n",
+       "1974  0.555  0.816  0.893    NaN    NaN    NaN    NaN    NaN\n",
+       "1975  0.545  0.790    NaN    NaN    NaN    NaN    NaN    NaN\n",
+       "1976  0.528    NaN    NaN    NaN    NaN    NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "closed_auto = auto[\"Closed Claim Counts\"]\n",
+    "reported_cnt_auto = auto[\"Reported Claim Counts\"]\n",
+    "\n",
+    "display(closed_auto.to_frame(origin_as_datetime=False))\n",
+    "display(reported_cnt_auto.to_frame(origin_as_datetime=False))\n",
+    "display(\n",
+    "    np.round(\n",
+    "        (closed_auto / reported_cnt_auto).to_frame(origin_as_datetime=False),\n",
+    "        3,\n",
+    "    )\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 94,
+   "id": "f4dd731b",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 2 — reconcile to Friedland PDF p305\n",
+    "assert np.allclose(\n",
+    "    closed_auto.to_frame(),\n",
+    "    [\n",
+    "        [4079, 6616, 7192, 7494, 7670, 7749, 7792, 7806],\n",
+    "        [4429, 7230, 7899, 8291, 8494, 8606, 8647, np.nan],\n",
+    "        [4914, 8174, 9068, 9518, 9761, 9855, np.nan, np.nan],\n",
+    "        [4497, 7842, 8747, 9254, 9469, np.nan, np.nan, np.nan],\n",
+    "        [4419, 7665, 8659, 9093, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [3486, 6214, 6916, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [3516, 6226, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [3230, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    reported_cnt_auto.to_frame(),\n",
+    "    [\n",
+    "        [6553, 7696, 7770, 7799, 7814, 7819, 7820, 7821],\n",
+    "        [7277, 8537, 8615, 8661, 8675, 8679, 8682, np.nan],\n",
+    "        [8259, 9765, 9884, 9926, 9940, 9945, np.nan, np.nan],\n",
+    "        [7858, 9474, 9615, 9664, 9680, np.nan, np.nan, np.nan],\n",
+    "        [7808, 9376, 9513, 9562, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [6278, 7614, 7741, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [6446, 7884, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [6115, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round((closed_auto / reported_cnt_auto).to_frame(), 3),\n",
+    "    [\n",
+    "        [0.622, 0.860, 0.926, 0.961, 0.982, 0.991, 0.996, 0.998],\n",
+    "        [0.609, 0.847, 0.917, 0.957, 0.979, 0.992, 0.996, np.nan],\n",
+    "        [0.595, 0.837, 0.917, 0.959, 0.982, 0.991, np.nan, np.nan],\n",
+    "        [0.572, 0.828, 0.910, 0.958, 0.978, np.nan, np.nan, np.nan],\n",
+    "        [0.566, 0.818, 0.910, 0.951, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [0.555, 0.816, 0.893, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [0.545, 0.790, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [0.528, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "7c7daa41",
+   "metadata": {},
+   "source": [
+    "## P306 (Exhibit II Sheet 3)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 95,
+   "id": "9d5da07d",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>6553.0</td>\n",
+       "      <td>7696.0</td>\n",
+       "      <td>7770.0</td>\n",
+       "      <td>7799.0</td>\n",
+       "      <td>7814.0</td>\n",
+       "      <td>7819.0</td>\n",
+       "      <td>7820.0</td>\n",
+       "      <td>7821.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>7277.0</td>\n",
+       "      <td>8537.0</td>\n",
+       "      <td>8615.0</td>\n",
+       "      <td>8661.0</td>\n",
+       "      <td>8675.0</td>\n",
+       "      <td>8679.0</td>\n",
+       "      <td>8682.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>8259.0</td>\n",
+       "      <td>9765.0</td>\n",
+       "      <td>9884.0</td>\n",
+       "      <td>9926.0</td>\n",
+       "      <td>9940.0</td>\n",
+       "      <td>9945.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>7858.0</td>\n",
+       "      <td>9474.0</td>\n",
+       "      <td>9615.0</td>\n",
+       "      <td>9664.0</td>\n",
+       "      <td>9680.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>7808.0</td>\n",
+       "      <td>9376.0</td>\n",
+       "      <td>9513.0</td>\n",
+       "      <td>9562.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>6278.0</td>\n",
+       "      <td>7614.0</td>\n",
+       "      <td>7741.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>6446.0</td>\n",
+       "      <td>7884.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>6115.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24      36      48      60      72      84      96\n",
+       "1969  6553.0  7696.0  7770.0  7799.0  7814.0  7819.0  7820.0  7821.0\n",
+       "1970  7277.0  8537.0  8615.0  8661.0  8675.0  8679.0  8682.0     NaN\n",
+       "1971  8259.0  9765.0  9884.0  9926.0  9940.0  9945.0     NaN     NaN\n",
+       "1972  7858.0  9474.0  9615.0  9664.0  9680.0     NaN     NaN     NaN\n",
+       "1973  7808.0  9376.0  9513.0  9562.0     NaN     NaN     NaN     NaN\n",
+       "1974  6278.0  7614.0  7741.0     NaN     NaN     NaN     NaN     NaN\n",
+       "1975  6446.0  7884.0     NaN     NaN     NaN     NaN     NaN     NaN\n",
+       "1976  6115.0     NaN     NaN     NaN     NaN     NaN     NaN     NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>1.174</td>\n",
+       "      <td>1.010</td>\n",
+       "      <td>1.004</td>\n",
+       "      <td>1.002</td>\n",
+       "      <td>1.001</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>1.173</td>\n",
+       "      <td>1.009</td>\n",
+       "      <td>1.005</td>\n",
+       "      <td>1.002</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>1.182</td>\n",
+       "      <td>1.012</td>\n",
+       "      <td>1.004</td>\n",
+       "      <td>1.001</td>\n",
+       "      <td>1.001</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>1.206</td>\n",
+       "      <td>1.015</td>\n",
+       "      <td>1.005</td>\n",
+       "      <td>1.002</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>1.201</td>\n",
+       "      <td>1.015</td>\n",
+       "      <td>1.005</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>1.213</td>\n",
+       "      <td>1.017</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>1.223</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "1969  1.174  1.010  1.004  1.002  1.001    1.0    1.0\n",
+       "1970  1.173  1.009  1.005  1.002  1.000    1.0    NaN\n",
+       "1971  1.182  1.012  1.004  1.001  1.001    NaN    NaN\n",
+       "1972  1.206  1.015  1.005  1.002    NaN    NaN    NaN\n",
+       "1973  1.201  1.015  1.005    NaN    NaN    NaN    NaN\n",
+       "1974  1.213  1.017    NaN    NaN    NaN    NaN    NaN\n",
+       "1975  1.223    NaN    NaN    NaN    NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Simple All Years</th>\n",
+       "      <td>1.196</td>\n",
+       "      <td>1.013</td>\n",
+       "      <td>1.005</td>\n",
+       "      <td>1.002</td>\n",
+       "      <td>1.001</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Simple Latest 4</th>\n",
+       "      <td>1.211</td>\n",
+       "      <td>1.015</td>\n",
+       "      <td>1.005</td>\n",
+       "      <td>1.002</td>\n",
+       "      <td>1.001</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Volume All Years</th>\n",
+       "      <td>1.195</td>\n",
+       "      <td>1.013</td>\n",
+       "      <td>1.005</td>\n",
+       "      <td>1.002</td>\n",
+       "      <td>1.001</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Volume Latest 4</th>\n",
+       "      <td>1.210</td>\n",
+       "      <td>1.014</td>\n",
+       "      <td>1.005</td>\n",
+       "      <td>1.002</td>\n",
+       "      <td>1.001</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                  12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "Simple All Years  1.196  1.013  1.005  1.002  1.001    1.0    1.0\n",
+       "Simple Latest 4   1.211  1.015  1.005  1.002  1.001    1.0    1.0\n",
+       "Volume All Years  1.195  1.013  1.005  1.002  1.001    1.0    1.0\n",
+       "Volume Latest 4   1.210  1.014  1.005  1.002  1.001    1.0    1.0"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "      <th>96-108</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Selected</th>\n",
+       "      <td>1.196</td>\n",
+       "      <td>1.013</td>\n",
+       "      <td>1.005</td>\n",
+       "      <td>1.002</td>\n",
+       "      <td>1.001</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>CDF to Ultimate</th>\n",
+       "      <td>1.221</td>\n",
+       "      <td>1.021</td>\n",
+       "      <td>1.008</td>\n",
+       "      <td>1.003</td>\n",
+       "      <td>1.001</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Percent Reported</th>\n",
+       "      <td>0.819</td>\n",
+       "      <td>0.979</td>\n",
+       "      <td>0.992</td>\n",
+       "      <td>0.997</td>\n",
+       "      <td>0.999</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                  12-24  24-36  36-48  48-60  60-72  72-84  84-96  96-108\n",
+       "Selected          1.196  1.013  1.005  1.002  1.001    1.0    1.0     1.0\n",
+       "CDF to Ultimate   1.221  1.021  1.008  1.003  1.001    1.0    1.0     1.0\n",
+       "Percent Reported  0.819  0.979  0.992  0.997  0.999    1.0    1.0     1.0"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "# Part 1\n",
+    "display(reported_cnt_auto.to_frame(origin_as_datetime=False))\n",
+    "\n",
+    "# Part 2\n",
+    "display(np.round(reported_cnt_auto.link_ratio.to_frame(origin_as_datetime=False), 3))\n",
+    "\n",
+    "# Part 3\n",
+    "avg_params = {\n",
+    "    \"Simple All Years\": {\"average\": \"simple\"},\n",
+    "    \"Simple Latest 4\": {\"average\": \"simple\", \"n_periods\": 4},\n",
+    "    \"Volume All Years\": {\"average\": \"volume\"},\n",
+    "    \"Volume Latest 4\": {\"average\": \"volume\", \"n_periods\": 4},\n",
+    "}\n",
+    "devs = {k: cl.Development(**v).fit(reported_cnt_auto) for k, v in avg_params.items()}\n",
+    "display(\n",
+    "    np.round(\n",
+    "        pd.concat(\n",
+    "            [v.ldf_.to_frame().rename(index={\"(All)\": k}) for k, v in devs.items()]\n",
+    "        ),\n",
+    "        3,\n",
+    "    )\n",
+    ")\n",
+    "dev_reported_cnt_auto = devs[\"Simple All Years\"]\n",
+    "\n",
+    "# Part 4\n",
+    "selected_ldf = {\n",
+    "    12: 1.196,\n",
+    "    24: 1.013,\n",
+    "    36: 1.005,\n",
+    "    48: 1.002,\n",
+    "    60: 1.001,\n",
+    "    72: 1.000,\n",
+    "    84: 1.000,\n",
+    "    96: 1.000,\n",
+    "}\n",
+    "# or this\n",
+    "avg_ldf = np.round(dev_reported_cnt_auto.ldf_.to_frame().values.flatten(), 3)\n",
+    "selected_ldf = dict(zip([12, 24, 36, 48, 60, 72, 84, 96], [*avg_ldf, 1.000]))\n",
+    "\n",
+    "reported_cnt_auto_dev = cl.DevelopmentConstant(patterns=selected_ldf, style=\"ldf\").fit(\n",
+    "    reported_cnt_auto\n",
+    ")\n",
+    "cdf = np.round(reported_cnt_auto_dev.cdf_.to_frame().values.flatten(), 3)\n",
+    "pct_reported = np.round(1.0 / cdf, 3)\n",
+    "\n",
+    "exhibit_ii_s3_sel = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Selected\": list(selected_ldf.values()),\n",
+    "        \"CDF to Ultimate\": cdf,\n",
+    "        \"Percent Reported\": pct_reported,\n",
+    "    },\n",
+    "    index=[\"12-24\", \"24-36\", \"36-48\", \"48-60\", \"60-72\", \"72-84\", \"84-96\", \"96-108\"],\n",
+    ")\n",
+    "display(exhibit_ii_s3_sel.T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 96,
+   "id": "b03c53fc",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 3 — reconcile to Friedland PDF p306\n",
+    "exhibit_ii_s3_tri = reported_cnt_auto.to_frame(origin_as_datetime=False)\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s3_tri,\n",
+    "    [\n",
+    "        [6553, 7696, 7770, 7799, 7814, 7819, 7820, 7821],\n",
+    "        [7277, 8537, 8615, 8661, 8675, 8679, 8682, np.nan],\n",
+    "        [8259, 9765, 9884, 9926, 9940, 9945, np.nan, np.nan],\n",
+    "        [7858, 9474, 9615, 9664, 9680, np.nan, np.nan, np.nan],\n",
+    "        [7808, 9376, 9513, 9562, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [6278, 7614, 7741, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [6446, 7884, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [6115, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    ")\n",
+    "exhibit_ii_s3_ata = np.round(\n",
+    "    reported_cnt_auto.link_ratio.to_frame(origin_as_datetime=False), 3\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s3_ata,\n",
+    "    [\n",
+    "        [1.174, 1.010, 1.004, 1.002, 1.001, 1.000, 1.000],\n",
+    "        [1.173, 1.009, 1.005, 1.002, 1.000, 1.000, np.nan],\n",
+    "        [1.182, 1.012, 1.004, 1.001, 1.001, np.nan, np.nan],\n",
+    "        [1.206, 1.015, 1.005, 1.002, np.nan, np.nan, np.nan],\n",
+    "        [1.201, 1.015, 1.005, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [1.213, 1.017, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [1.223, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round(devs[\"Simple All Years\"].ldf_.to_frame().values.flatten(), 3),\n",
+    "    [1.196, 1.013, 1.005, 1.002, 1.001, 1.000, 1.000],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s3_sel[\"CDF to Ultimate\"],\n",
+    "    [1.221, 1.021, 1.008, 1.003, 1.001, 1.000, 1.000, 1.000],\n",
+    "    atol=0.001,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s3_sel[\"Percent Reported\"],\n",
+    "    [0.819, 0.979, 0.992, 0.997, 0.999, 1.000, 1.000, 1.000],\n",
+    "    atol=0.001,\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "e57edea4",
+   "metadata": {},
+   "source": [
+    "## P307 (Exhibit II Sheet 4)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": 98,
+   "id": "f24f1adb",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>origin</th>\n",
+       "      <th>Age (2)</th>\n",
+       "      <th>Reported (3)</th>\n",
+       "      <th>CDF to Ultimate(4)</th>\n",
+       "      <th>Projected Ultimate CLaim Counts (5)</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>0</th>\n",
+       "      <td>1969</td>\n",
+       "      <td>96</td>\n",
+       "      <td>7821.0</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>7821.000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1</th>\n",
+       "      <td>1970</td>\n",
+       "      <td>84</td>\n",
+       "      <td>8682.0</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>8682.000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>2</th>\n",
+       "      <td>1971</td>\n",
+       "      <td>72</td>\n",
+       "      <td>9945.0</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>9945.000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>3</th>\n",
+       "      <td>1972</td>\n",
+       "      <td>60</td>\n",
+       "      <td>9680.0</td>\n",
+       "      <td>1.001</td>\n",
+       "      <td>9689.680</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>4</th>\n",
+       "      <td>1973</td>\n",
+       "      <td>48</td>\n",
+       "      <td>9562.0</td>\n",
+       "      <td>1.003</td>\n",
+       "      <td>9590.686</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>5</th>\n",
+       "      <td>1974</td>\n",
+       "      <td>36</td>\n",
+       "      <td>7741.0</td>\n",
+       "      <td>1.008</td>\n",
+       "      <td>7802.928</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>6</th>\n",
+       "      <td>1975</td>\n",
+       "      <td>24</td>\n",
+       "      <td>7884.0</td>\n",
+       "      <td>1.021</td>\n",
+       "      <td>8049.564</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>7</th>\n",
+       "      <td>1976</td>\n",
+       "      <td>12</td>\n",
+       "      <td>6115.0</td>\n",
+       "      <td>1.221</td>\n",
+       "      <td>7466.415</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "  origin  Age (2)  Reported (3)  CDF to Ultimate(4)  \\\n",
+       "0   1969       96        7821.0               1.000   \n",
+       "1   1970       84        8682.0               1.000   \n",
+       "2   1971       72        9945.0               1.000   \n",
+       "3   1972       60        9680.0               1.001   \n",
+       "4   1973       48        9562.0               1.003   \n",
+       "5   1974       36        7741.0               1.008   \n",
+       "6   1975       24        7884.0               1.021   \n",
+       "7   1976       12        6115.0               1.221   \n",
+       "\n",
+       "   Projected Ultimate CLaim Counts (5)  \n",
+       "0                             7821.000  \n",
+       "1                             8682.000  \n",
+       "2                             9945.000  \n",
+       "3                             9689.680  \n",
+       "4                             9590.686  \n",
+       "5                             7802.928  \n",
+       "6                             8049.564  \n",
+       "7                             7466.415  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Reported (3)</th>\n",
+       "      <th>Projected Ultimate CLaim Counts (5)</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Total</th>\n",
+       "      <td>67430.0</td>\n",
+       "      <td>69047.273</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "       Reported (3)  Projected Ultimate CLaim Counts (5)\n",
+       "Total       67430.0                            69047.273"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "cl_reported_cnt_auto = cl.Chainladder().fit(\n",
+    "    reported_cnt_auto_dev.transform(reported_cnt_auto)\n",
+    ")\n",
+    "md_reported_cnt = (\n",
+    "    cl.model_diagnostics(cl_reported_cnt_auto).to_frame(origin_as_datetime=False).T\n",
+    ")\n",
+    "ages = reported_cnt_auto.latest_diagonal.to_frame(\n",
+    "    keepdims=True, implicit_axis=True, origin_as_datetime=False\n",
+    ")[\"development\"].values\n",
+    "age_to_cdf_reported_cnt = dict(\n",
+    "    zip(reported_cnt_auto.development, np.round(md_reported_cnt[\"CDF\"].values, 3)[::-1])\n",
+    ")\n",
+    "cl_reported_cnt_auto = cl.Chainladder().fit(\n",
+    "    cl.DevelopmentConstant(patterns=age_to_cdf_reported_cnt, style=\"cdf\").fit_transform(\n",
+    "        reported_cnt_auto\n",
+    "    )\n",
+    ")\n",
+    "md_reported_cnt = (\n",
+    "    cl.model_diagnostics(cl_reported_cnt_auto).to_frame(origin_as_datetime=False).T\n",
+    ")\n",
+    "\n",
+    "exhibit_ii_s4 = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Age (2)\": ages,\n",
+    "        \"Reported (3)\": md_reported_cnt[\"Latest\"].values,\n",
+    "        \"CDF to Ultimate(4)\": md_reported_cnt[\"CDF\"].values,\n",
+    "        \"Projected Ultimate CLaim Counts (5)\": md_reported_cnt[\"Ultimate\"].values,\n",
+    "    },\n",
+    "    index=md_reported_cnt.index,\n",
+    ").reset_index()\n",
+    "display(exhibit_ii_s4)\n",
+    "display(exhibit_ii_s4[[\"Reported (3)\", \"Projected Ultimate CLaim Counts (5)\"]].sum().to_frame(\"Total\").T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "0b89d6a0",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 4 — reconcile to Friedland PDF p307\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s4[\"Ult (5)\"],\n",
+    "    [7821, 8682, 9945, 9690, 9591, 7803, 8050, 7466],\n",
+    "    atol=2,\n",
+    ")\n",
+    "assert np.isclose(exhibit_ii_s4[\"Reported (3)\"].sum(), 67430, atol=1)\n",
+    "assert np.isclose(exhibit_ii_s4[\"Ult (5)\"].sum(), 69047, atol=2)\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "528afc31",
+   "metadata": {},
+   "source": [
+    "## P308 (Exhibit II Sheet 5)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "72465e11",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "      <th>Ult</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>0.522</td>\n",
+       "      <td>0.846</td>\n",
+       "      <td>0.920</td>\n",
+       "      <td>0.958</td>\n",
+       "      <td>0.981</td>\n",
+       "      <td>0.991</td>\n",
+       "      <td>0.996</td>\n",
+       "      <td>0.998</td>\n",
+       "      <td>7821.000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>0.510</td>\n",
+       "      <td>0.833</td>\n",
+       "      <td>0.910</td>\n",
+       "      <td>0.955</td>\n",
+       "      <td>0.978</td>\n",
+       "      <td>0.991</td>\n",
+       "      <td>0.996</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>8682.000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>0.494</td>\n",
+       "      <td>0.822</td>\n",
+       "      <td>0.912</td>\n",
+       "      <td>0.957</td>\n",
+       "      <td>0.981</td>\n",
+       "      <td>0.991</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>9945.000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>0.464</td>\n",
+       "      <td>0.809</td>\n",
+       "      <td>0.903</td>\n",
+       "      <td>0.955</td>\n",
+       "      <td>0.977</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>9689.680</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>0.461</td>\n",
+       "      <td>0.799</td>\n",
+       "      <td>0.903</td>\n",
+       "      <td>0.948</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>9590.686</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>0.447</td>\n",
+       "      <td>0.796</td>\n",
+       "      <td>0.886</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>7802.928</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>0.437</td>\n",
+       "      <td>0.773</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>8049.564</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>0.433</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>7466.415</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "         12     24     36     48     60     72     84     96       Ult\n",
+       "1969  0.522  0.846  0.920  0.958  0.981  0.991  0.996  0.998  7821.000\n",
+       "1970  0.510  0.833  0.910  0.955  0.978  0.991  0.996    NaN  8682.000\n",
+       "1971  0.494  0.822  0.912  0.957  0.981  0.991    NaN    NaN  9945.000\n",
+       "1972  0.464  0.809  0.903  0.955  0.977    NaN    NaN    NaN  9689.680\n",
+       "1973  0.461  0.799  0.903  0.948    NaN    NaN    NaN    NaN  9590.686\n",
+       "1974  0.447  0.796  0.886    NaN    NaN    NaN    NaN    NaN  7802.928\n",
+       "1975  0.437  0.773    NaN    NaN    NaN    NaN    NaN    NaN  8049.564\n",
+       "1976  0.433    NaN    NaN    NaN    NaN    NaN    NaN    NaN  7466.415"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>0.433</td>\n",
+       "      <td>0.773</td>\n",
+       "      <td>0.886</td>\n",
+       "      <td>0.948</td>\n",
+       "      <td>0.977</td>\n",
+       "      <td>0.991</td>\n",
+       "      <td>0.996</td>\n",
+       "      <td>0.998</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "         12     24     36     48     60     72     84     96\n",
+       "1969  0.433  0.773  0.886  0.948  0.977  0.991  0.996  0.998"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>3383.0</td>\n",
+       "      <td>6049.0</td>\n",
+       "      <td>6932.0</td>\n",
+       "      <td>7415.0</td>\n",
+       "      <td>7643.0</td>\n",
+       "      <td>7750.0</td>\n",
+       "      <td>7789.0</td>\n",
+       "      <td>7806.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>3756.0</td>\n",
+       "      <td>6715.0</td>\n",
+       "      <td>7695.0</td>\n",
+       "      <td>8231.0</td>\n",
+       "      <td>8484.0</td>\n",
+       "      <td>8603.0</td>\n",
+       "      <td>8647.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>4302.0</td>\n",
+       "      <td>7692.0</td>\n",
+       "      <td>8815.0</td>\n",
+       "      <td>9429.0</td>\n",
+       "      <td>9719.0</td>\n",
+       "      <td>9855.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>4192.0</td>\n",
+       "      <td>7495.0</td>\n",
+       "      <td>8588.0</td>\n",
+       "      <td>9187.0</td>\n",
+       "      <td>9469.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>4149.0</td>\n",
+       "      <td>7418.0</td>\n",
+       "      <td>8501.0</td>\n",
+       "      <td>9093.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3376.0</td>\n",
+       "      <td>6035.0</td>\n",
+       "      <td>6916.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3482.0</td>\n",
+       "      <td>6226.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>3230.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24      36      48      60      72      84      96\n",
+       "1969  3383.0  6049.0  6932.0  7415.0  7643.0  7750.0  7789.0  7806.0\n",
+       "1970  3756.0  6715.0  7695.0  8231.0  8484.0  8603.0  8647.0     NaN\n",
+       "1971  4302.0  7692.0  8815.0  9429.0  9719.0  9855.0     NaN     NaN\n",
+       "1972  4192.0  7495.0  8588.0  9187.0  9469.0     NaN     NaN     NaN\n",
+       "1973  4149.0  7418.0  8501.0  9093.0     NaN     NaN     NaN     NaN\n",
+       "1974  3376.0  6035.0  6916.0     NaN     NaN     NaN     NaN     NaN\n",
+       "1975  3482.0  6226.0     NaN     NaN     NaN     NaN     NaN     NaN\n",
+       "1976  3230.0     NaN     NaN     NaN     NaN     NaN     NaN     NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "bs_auto = cl.BerquistSherman(\n",
+    "    paid_amount=\"Paid Claims\",\n",
+    "    incurred_amount=\"Paid Claims\", # actual incurred data is not available, using paid only as a placeholder, it's not used for the closed-count adjustment\n",
+    "    reported_count=\"Reported Claim Counts\",\n",
+    "    closed_count=\"Closed Claim Counts\",\n",
+    "    reported_count_estimator=cl.Pipeline(\n",
+    "        [\n",
+    "            (\n",
+    "                \"dev\",\n",
+    "                cl.DevelopmentConstant(\n",
+    "                    patterns=age_to_cdf_reported_cnt, style=\"cdf\"\n",
+    "                ),\n",
+    "            ),\n",
+    "            (\"cl\", cl.Chainladder()),\n",
+    "        ]\n",
+    "    ),\n",
+    ").fit(auto)\n",
+    "\n",
+    "exhibit_ii_s5_disp = np.round(\n",
+    "    bs_auto.disposal_rate_.to_frame(origin_as_datetime=False), 3\n",
+    ")\n",
+    "exhibit_ii_s5_disp[\"Ult\"] = exhibit_ii_s4[\"Projected Ultimate CLaim Counts (5)\"].values\n",
+    "display(exhibit_ii_s5_disp)\n",
+    "\n",
+    "sel_disp = bs_auto.disposal_rate_\n",
+    "display(\n",
+    "    np.round(\n",
+    "        sel_disp[sel_disp.valuation == auto.valuation_date]\n",
+    "        .mean(\"origin\")\n",
+    "        .to_frame(origin_as_datetime=False),\n",
+    "        3,\n",
+    "    )\n",
+    ")\n",
+    "\n",
+    "adj_closed_auto = bs_auto.adjusted_triangle_[\"Closed Claim Counts\"]\n",
+    "display(np.round(adj_closed_auto.to_frame(origin_as_datetime=False)))\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "7ffa976f",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 5 — reconcile to Friedland PDF p308\n",
+    "adj_closed = np.round(adj_closed_auto.to_frame(origin_as_datetime=False))\n",
+    "assert np.allclose(\n",
+    "    adj_closed,\n",
+    "    [\n",
+    "        [3383, 6049, 6932, 7415, 7643, 7750, 7789, 7806],\n",
+    "        [3756, 6715, 7695, 8231, 8484, 8603, 8647, np.nan],\n",
+    "        [4302, 7692, 8815, 9429, 9719, 9855, np.nan, np.nan],\n",
+    "        [4192, 7495, 8588, 9187, 9469, np.nan, np.nan, np.nan],\n",
+    "        [4149, 7418, 8501, 9093, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [3376, 6035, 6916, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [3482, 6226, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "        [3230, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan, np.nan],\n",
+    "    ],\n",
+    "    equal_nan=True,\n",
+    "    atol=2,\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "d57ea938",
+   "metadata": {},
+   "source": [
+    "## P309 (Exhibit II Sheet 6)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "16fdc050",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead tr th {\n",
+       "        text-align: left;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr>\n",
+       "      <th></th>\n",
+       "      <th colspan=\"3\" halign=\"left\">1969</th>\n",
+       "      <th colspan=\"3\" halign=\"left\">1970</th>\n",
+       "      <th colspan=\"3\" halign=\"left\">1971</th>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th></th>\n",
+       "      <th>Closed (X)</th>\n",
+       "      <th>Paid (Y)</th>\n",
+       "      <th>Predicted</th>\n",
+       "      <th>Closed (X)</th>\n",
+       "      <th>Paid (Y)</th>\n",
+       "      <th>Predicted</th>\n",
+       "      <th>Closed (X)</th>\n",
+       "      <th>Paid (Y)</th>\n",
+       "      <th>Predicted</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>12</th>\n",
+       "      <td>4079.0</td>\n",
+       "      <td>1904.0</td>\n",
+       "      <td>1850.0</td>\n",
+       "      <td>4429.0</td>\n",
+       "      <td>2235.0</td>\n",
+       "      <td>2184.0</td>\n",
+       "      <td>4914.0</td>\n",
+       "      <td>2441.0</td>\n",
+       "      <td>2404.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>24</th>\n",
+       "      <td>6616.0</td>\n",
+       "      <td>5398.0</td>\n",
+       "      <td>5885.0</td>\n",
+       "      <td>7230.0</td>\n",
+       "      <td>6261.0</td>\n",
+       "      <td>6715.0</td>\n",
+       "      <td>8174.0</td>\n",
+       "      <td>7348.0</td>\n",
+       "      <td>7722.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>36</th>\n",
+       "      <td>7192.0</td>\n",
+       "      <td>7496.0</td>\n",
+       "      <td>7653.0</td>\n",
+       "      <td>7899.0</td>\n",
+       "      <td>8691.0</td>\n",
+       "      <td>8781.0</td>\n",
+       "      <td>9068.0</td>\n",
+       "      <td>10662.0</td>\n",
+       "      <td>10634.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>48</th>\n",
+       "      <td>7494.0</td>\n",
+       "      <td>8882.0</td>\n",
+       "      <td>8783.0</td>\n",
+       "      <td>8291.0</td>\n",
+       "      <td>10443.0</td>\n",
+       "      <td>10275.0</td>\n",
+       "      <td>9518.0</td>\n",
+       "      <td>12655.0</td>\n",
+       "      <td>12493.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>60</th>\n",
+       "      <td>7670.0</td>\n",
+       "      <td>9712.0</td>\n",
+       "      <td>9518.0</td>\n",
+       "      <td>8494.0</td>\n",
+       "      <td>11346.0</td>\n",
+       "      <td>11147.0</td>\n",
+       "      <td>9761.0</td>\n",
+       "      <td>13748.0</td>\n",
+       "      <td>13628.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>72</th>\n",
+       "      <td>7749.0</td>\n",
+       "      <td>10071.0</td>\n",
+       "      <td>9867.0</td>\n",
+       "      <td>8606.0</td>\n",
+       "      <td>11754.0</td>\n",
+       "      <td>11659.0</td>\n",
+       "      <td>9855.0</td>\n",
+       "      <td>14235.0</td>\n",
+       "      <td>14095.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>84</th>\n",
+       "      <td>7792.0</td>\n",
+       "      <td>10199.0</td>\n",
+       "      <td>10062.0</td>\n",
+       "      <td>8647.0</td>\n",
+       "      <td>12031.0</td>\n",
+       "      <td>11852.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>96</th>\n",
+       "      <td>7806.0</td>\n",
+       "      <td>10256.0</td>\n",
+       "      <td>10127.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "         1969                          1970                          1971  \\\n",
+       "   Closed (X) Paid (Y) Predicted Closed (X) Paid (Y) Predicted Closed (X)   \n",
+       "12     4079.0   1904.0    1850.0     4429.0   2235.0    2184.0     4914.0   \n",
+       "24     6616.0   5398.0    5885.0     7230.0   6261.0    6715.0     8174.0   \n",
+       "36     7192.0   7496.0    7653.0     7899.0   8691.0    8781.0     9068.0   \n",
+       "48     7494.0   8882.0    8783.0     8291.0  10443.0   10275.0     9518.0   \n",
+       "60     7670.0   9712.0    9518.0     8494.0  11346.0   11147.0     9761.0   \n",
+       "72     7749.0  10071.0    9867.0     8606.0  11754.0   11659.0     9855.0   \n",
+       "84     7792.0  10199.0   10062.0     8647.0  12031.0   11852.0        NaN   \n",
+       "96     7806.0  10256.0   10127.0        NaN      NaN       NaN        NaN   \n",
+       "\n",
+       "                       \n",
+       "   Paid (Y) Predicted  \n",
+       "12   2441.0    2404.0  \n",
+       "24   7348.0    7722.0  \n",
+       "36  10662.0   10634.0  \n",
+       "48  12655.0   12493.0  \n",
+       "60  13748.0   13628.0  \n",
+       "72  14235.0   14095.0  \n",
+       "84      NaN       NaN  \n",
+       "96      NaN       NaN  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>1969</th>\n",
+       "      <th>1970</th>\n",
+       "      <th>1971</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>R Squared</th>\n",
+       "      <td>0.995730</td>\n",
+       "      <td>0.997090</td>\n",
+       "      <td>0.998660</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>a</th>\n",
+       "      <td>287.742000</td>\n",
+       "      <td>369.685000</td>\n",
+       "      <td>413.901000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>b</th>\n",
+       "      <td>0.000456</td>\n",
+       "      <td>0.000401</td>\n",
+       "      <td>0.000358</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                 1969        1970        1971\n",
+       "R Squared    0.995730    0.997090    0.998660\n",
+       "a          287.742000  369.685000  413.901000\n",
+       "b            0.000456    0.000401    0.000358"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "# This calculation falls outside of the scope of this package\n",
+    "from scipy.stats import linregress\n",
+    "\n",
+    "closed_df = closed_auto.to_frame(origin_as_datetime=False)\n",
+    "paid_df = paid_auto.to_frame(origin_as_datetime=False)\n",
+    "closed_df.index = [int(getattr(i, \"year\", i)) for i in closed_df.index]\n",
+    "paid_df.index = [int(getattr(i, \"year\", i)) for i in paid_df.index]\n",
+    "\n",
+    "parts = {}\n",
+    "params = {\"R Squared\": {}, \"a\": {}, \"b\": {}}\n",
+    "for ay in [1969, 1970, 1971]:\n",
+    "    x = closed_df.loc[ay]\n",
+    "    y = paid_df.loc[ay]\n",
+    "    m = x.notna() & y.notna()\n",
+    "    fit = linregress(x[m].astype(float), np.log(y[m].astype(float)))\n",
+    "    a = np.exp(fit.intercept)\n",
+    "    b = fit.slope\n",
+    "    parts[ay] = pd.DataFrame(\n",
+    "        {\n",
+    "            \"Closed (X)\": x,\n",
+    "            \"Paid (Y)\": y,\n",
+    "            \"Predicted\": np.round(a * np.exp(b * x)),\n",
+    "        }\n",
+    "    )\n",
+    "    params[\"R Squared\"][ay] = np.round(fit.rvalue ** 2, 5)\n",
+    "    params[\"a\"][ay] = np.round(a, 3)\n",
+    "    params[\"b\"][ay] = np.round(b, 6)\n",
+    "\n",
+    "display(pd.concat(parts, axis=1))\n",
+    "display(pd.DataFrame(params).T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "08e9f938",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 6 — reconcile to Friedland PDF p309\n",
+    "params_df = pd.DataFrame(params).T\n",
+    "assert np.allclose(params_df.loc[\"R Squared\"], [0.99573, 0.99709, 0.99866], atol=0.0005)\n",
+    "assert np.allclose(params_df.loc[\"a\"], [287.742, 369.685, 413.901], atol=0.5)\n",
+    "assert np.allclose(params_df.loc[\"b\"], [0.000456, 0.000401, 0.000358], atol=1e-6)\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "6786ca64",
+   "metadata": {},
+   "source": [
+    "## P310 (Exhibit II Sheet 7)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "5baf25e0",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>4079.0</td>\n",
+       "      <td>6616.0</td>\n",
+       "      <td>7192.0</td>\n",
+       "      <td>7494.0</td>\n",
+       "      <td>7670.0</td>\n",
+       "      <td>7749.0</td>\n",
+       "      <td>7792.0</td>\n",
+       "      <td>7806.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>4429.0</td>\n",
+       "      <td>7230.0</td>\n",
+       "      <td>7899.0</td>\n",
+       "      <td>8291.0</td>\n",
+       "      <td>8494.0</td>\n",
+       "      <td>8606.0</td>\n",
+       "      <td>8647.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>4914.0</td>\n",
+       "      <td>8174.0</td>\n",
+       "      <td>9068.0</td>\n",
+       "      <td>9518.0</td>\n",
+       "      <td>9761.0</td>\n",
+       "      <td>9855.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>4497.0</td>\n",
+       "      <td>7842.0</td>\n",
+       "      <td>8747.0</td>\n",
+       "      <td>9254.0</td>\n",
+       "      <td>9469.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>4419.0</td>\n",
+       "      <td>7665.0</td>\n",
+       "      <td>8659.0</td>\n",
+       "      <td>9093.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3486.0</td>\n",
+       "      <td>6214.0</td>\n",
+       "      <td>6916.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3516.0</td>\n",
+       "      <td>6226.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>3230.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24      36      48      60      72      84      96\n",
+       "1969  4079.0  6616.0  7192.0  7494.0  7670.0  7749.0  7792.0  7806.0\n",
+       "1970  4429.0  7230.0  7899.0  8291.0  8494.0  8606.0  8647.0     NaN\n",
+       "1971  4914.0  8174.0  9068.0  9518.0  9761.0  9855.0     NaN     NaN\n",
+       "1972  4497.0  7842.0  8747.0  9254.0  9469.0     NaN     NaN     NaN\n",
+       "1973  4419.0  7665.0  8659.0  9093.0     NaN     NaN     NaN     NaN\n",
+       "1974  3486.0  6214.0  6916.0     NaN     NaN     NaN     NaN     NaN\n",
+       "1975  3516.0  6226.0     NaN     NaN     NaN     NaN     NaN     NaN\n",
+       "1976  3230.0     NaN     NaN     NaN     NaN     NaN     NaN     NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
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+       "<table border=\"1\" class=\"dataframe\">\n",
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+       "      <th>48</th>\n",
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+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>1904.0</td>\n",
+       "      <td>5398.0</td>\n",
+       "      <td>7496.0</td>\n",
+       "      <td>8882.0</td>\n",
+       "      <td>9712.0</td>\n",
+       "      <td>10071.0</td>\n",
+       "      <td>10199.0</td>\n",
+       "      <td>10256.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>2235.0</td>\n",
+       "      <td>6261.0</td>\n",
+       "      <td>8691.0</td>\n",
+       "      <td>10443.0</td>\n",
+       "      <td>11346.0</td>\n",
+       "      <td>11754.0</td>\n",
+       "      <td>12031.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>2441.0</td>\n",
+       "      <td>7348.0</td>\n",
+       "      <td>10662.0</td>\n",
+       "      <td>12655.0</td>\n",
+       "      <td>13748.0</td>\n",
+       "      <td>14235.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>2503.0</td>\n",
+       "      <td>8173.0</td>\n",
+       "      <td>11810.0</td>\n",
+       "      <td>14176.0</td>\n",
+       "      <td>15383.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>2838.0</td>\n",
+       "      <td>8712.0</td>\n",
+       "      <td>12728.0</td>\n",
+       "      <td>15278.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>2405.0</td>\n",
+       "      <td>7858.0</td>\n",
+       "      <td>11771.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>2759.0</td>\n",
+       "      <td>9182.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>2801.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24       36       48       60       72       84       96\n",
+       "1969  1904.0  5398.0   7496.0   8882.0   9712.0  10071.0  10199.0  10256.0\n",
+       "1970  2235.0  6261.0   8691.0  10443.0  11346.0  11754.0  12031.0      NaN\n",
+       "1971  2441.0  7348.0  10662.0  12655.0  13748.0  14235.0      NaN      NaN\n",
+       "1972  2503.0  8173.0  11810.0  14176.0  15383.0      NaN      NaN      NaN\n",
+       "1973  2838.0  8712.0  12728.0  15278.0      NaN      NaN      NaN      NaN\n",
+       "1974  2405.0  7858.0  11771.0      NaN      NaN      NaN      NaN      NaN\n",
+       "1975  2759.0  9182.0      NaN      NaN      NaN      NaN      NaN      NaN\n",
+       "1976  2801.0     NaN      NaN      NaN      NaN      NaN      NaN      NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
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+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>356.0</td>\n",
+       "      <td>124.0</td>\n",
+       "      <td>132.0</td>\n",
+       "      <td>198.0</td>\n",
+       "      <td>286.0</td>\n",
+       "      <td>1034.0</td>\n",
+       "      <td>459.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>438.0</td>\n",
+       "      <td>181.0</td>\n",
+       "      <td>215.0</td>\n",
+       "      <td>353.0</td>\n",
+       "      <td>778.0</td>\n",
+       "      <td>88.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>464.0</td>\n",
+       "      <td>244.0</td>\n",
+       "      <td>337.0</td>\n",
+       "      <td>493.0</td>\n",
+       "      <td>370.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>510.0</td>\n",
+       "      <td>337.0</td>\n",
+       "      <td>506.0</td>\n",
+       "      <td>421.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>616.0</td>\n",
+       "      <td>468.0</td>\n",
+       "      <td>333.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>530.0</td>\n",
+       "      <td>220.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>580.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "         12     24     36     48     60      72     84\n",
+       "1969  356.0  124.0  132.0  198.0  286.0  1034.0  459.0\n",
+       "1970  438.0  181.0  215.0  353.0  778.0    88.0    NaN\n",
+       "1971  464.0  244.0  337.0  493.0  370.0     NaN    NaN\n",
+       "1972  510.0  337.0  506.0  421.0    NaN     NaN    NaN\n",
+       "1973  616.0  468.0  333.0    NaN    NaN     NaN    NaN\n",
+       "1974  530.0  220.0    NaN    NaN    NaN     NaN    NaN\n",
+       "1975  580.0    NaN    NaN    NaN    NaN     NaN    NaN\n",
+       "1976    NaN    NaN    NaN    NaN    NaN     NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
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+       "  <thead>\n",
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+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
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+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
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+       "      <th>84</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>0.000411</td>\n",
+       "      <td>0.000570</td>\n",
+       "      <td>0.000562</td>\n",
+       "      <td>0.000508</td>\n",
+       "      <td>0.000459</td>\n",
+       "      <td>0.000294</td>\n",
+       "      <td>0.000398</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>0.000368</td>\n",
+       "      <td>0.000490</td>\n",
+       "      <td>0.000468</td>\n",
+       "      <td>0.000409</td>\n",
+       "      <td>0.000315</td>\n",
+       "      <td>0.000568</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>0.000338</td>\n",
+       "      <td>0.000416</td>\n",
+       "      <td>0.000381</td>\n",
+       "      <td>0.000341</td>\n",
+       "      <td>0.000370</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>0.000354</td>\n",
+       "      <td>0.000407</td>\n",
+       "      <td>0.000360</td>\n",
+       "      <td>0.000380</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>0.000346</td>\n",
+       "      <td>0.000381</td>\n",
+       "      <td>0.000421</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>0.000434</td>\n",
+       "      <td>0.000576</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>0.000444</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "            12        24        36        48        60        72        84\n",
+       "1969  0.000411  0.000570  0.000562  0.000508  0.000459  0.000294  0.000398\n",
+       "1970  0.000368  0.000490  0.000468  0.000409  0.000315  0.000568       NaN\n",
+       "1971  0.000338  0.000416  0.000381  0.000341  0.000370       NaN       NaN\n",
+       "1972  0.000354  0.000407  0.000360  0.000380       NaN       NaN       NaN\n",
+       "1973  0.000346  0.000381  0.000421       NaN       NaN       NaN       NaN\n",
+       "1974  0.000434  0.000576       NaN       NaN       NaN       NaN       NaN\n",
+       "1975  0.000444       NaN       NaN       NaN       NaN       NaN       NaN\n",
+       "1976       NaN       NaN       NaN       NaN       NaN       NaN       NaN"
+      ]
+     },
+     "metadata": {},
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+    {
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+       "        vertical-align: top;\n",
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+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>3383.0</td>\n",
+       "      <td>6049.0</td>\n",
+       "      <td>6932.0</td>\n",
+       "      <td>7415.0</td>\n",
+       "      <td>7643.0</td>\n",
+       "      <td>7750.0</td>\n",
+       "      <td>7789.0</td>\n",
+       "      <td>7806.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>3756.0</td>\n",
+       "      <td>6715.0</td>\n",
+       "      <td>7695.0</td>\n",
+       "      <td>8231.0</td>\n",
+       "      <td>8484.0</td>\n",
+       "      <td>8603.0</td>\n",
+       "      <td>8647.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>4302.0</td>\n",
+       "      <td>7692.0</td>\n",
+       "      <td>8815.0</td>\n",
+       "      <td>9429.0</td>\n",
+       "      <td>9719.0</td>\n",
+       "      <td>9855.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>4192.0</td>\n",
+       "      <td>7495.0</td>\n",
+       "      <td>8588.0</td>\n",
+       "      <td>9187.0</td>\n",
+       "      <td>9469.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>4149.0</td>\n",
+       "      <td>7418.0</td>\n",
+       "      <td>8501.0</td>\n",
+       "      <td>9093.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3376.0</td>\n",
+       "      <td>6035.0</td>\n",
+       "      <td>6916.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3482.0</td>\n",
+       "      <td>6226.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>3230.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24      36      48      60      72      84      96\n",
+       "1969  3383.0  6049.0  6932.0  7415.0  7643.0  7750.0  7789.0  7806.0\n",
+       "1970  3756.0  6715.0  7695.0  8231.0  8484.0  8603.0  8647.0     NaN\n",
+       "1971  4302.0  7692.0  8815.0  9429.0  9719.0  9855.0     NaN     NaN\n",
+       "1972  4192.0  7495.0  8588.0  9187.0  9469.0     NaN     NaN     NaN\n",
+       "1973  4149.0  7418.0  8501.0  9093.0     NaN     NaN     NaN     NaN\n",
+       "1974  3376.0  6035.0  6916.0     NaN     NaN     NaN     NaN     NaN\n",
+       "1975  3482.0  6226.0     NaN     NaN     NaN     NaN     NaN     NaN\n",
+       "1976  3230.0     NaN     NaN     NaN     NaN     NaN     NaN     NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
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+       "\n",
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+       "        vertical-align: top;\n",
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+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>1904.0</td>\n",
+       "      <td>5398.0</td>\n",
+       "      <td>7496.0</td>\n",
+       "      <td>8882.0</td>\n",
+       "      <td>9712.0</td>\n",
+       "      <td>10071.0</td>\n",
+       "      <td>10199.0</td>\n",
+       "      <td>10256.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>2235.0</td>\n",
+       "      <td>6261.0</td>\n",
+       "      <td>8691.0</td>\n",
+       "      <td>10443.0</td>\n",
+       "      <td>11346.0</td>\n",
+       "      <td>11754.0</td>\n",
+       "      <td>12031.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>2441.0</td>\n",
+       "      <td>7348.0</td>\n",
+       "      <td>10662.0</td>\n",
+       "      <td>12655.0</td>\n",
+       "      <td>13748.0</td>\n",
+       "      <td>14235.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>2503.0</td>\n",
+       "      <td>8173.0</td>\n",
+       "      <td>11810.0</td>\n",
+       "      <td>14176.0</td>\n",
+       "      <td>15383.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>2838.0</td>\n",
+       "      <td>8712.0</td>\n",
+       "      <td>12728.0</td>\n",
+       "      <td>15278.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>2405.0</td>\n",
+       "      <td>7858.0</td>\n",
+       "      <td>11771.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>2759.0</td>\n",
+       "      <td>9182.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>2801.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24       36       48       60       72       84       96\n",
+       "1969  1904.0  5398.0   7496.0   8882.0   9712.0  10071.0  10199.0  10256.0\n",
+       "1970  2235.0  6261.0   8691.0  10443.0  11346.0  11754.0  12031.0      NaN\n",
+       "1971  2441.0  7348.0  10662.0  12655.0  13748.0  14235.0      NaN      NaN\n",
+       "1972  2503.0  8173.0  11810.0  14176.0  15383.0      NaN      NaN      NaN\n",
+       "1973  2838.0  8712.0  12728.0  15278.0      NaN      NaN      NaN      NaN\n",
+       "1974  2405.0  7858.0  11771.0      NaN      NaN      NaN      NaN      NaN\n",
+       "1975  2759.0  9182.0      NaN      NaN      NaN      NaN      NaN      NaN\n",
+       "1976  2801.0     NaN      NaN      NaN      NaN      NaN      NaN      NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "adj_paid_auto = bs_auto.adjusted_triangle_[\"Paid Claims\"]\n",
+    "\n",
+    "display(closed_auto.to_frame(origin_as_datetime=False))\n",
+    "display(paid_auto.to_frame(origin_as_datetime=False))\n",
+    "\n",
+    "# Two-point exponential a, b between consecutive ages (same formulas as BerquistSherman).\n",
+    "# The estimator then looks these up onto adjusted closed counts; a_ and b_ are those looked-up values.\n",
+    "x = closed_auto.to_frame(origin_as_datetime=False)\n",
+    "y = paid_auto.to_frame(origin_as_datetime=False)\n",
+    "x0, x1 = x.values[:, :-1], x.values[:, 1:]\n",
+    "y0, y1 = np.log(y.values[:, :-1]), np.log(y.values[:, 1:])\n",
+    "\n",
+    "b = ((x0 * y0 + x1 * y1) / 2 - (x0 + x1) / 2 * (y0 + y1) / 2) / (\n",
+    "    (x0 ** 2 + x1 ** 2) / 2 - ((x0 + x1) / 2) ** 2\n",
+    ")\n",
+    "a = np.exp((y0 + y1) / 2 - b * (x0 + x1) / 2)\n",
+    "\n",
+    "pair_ages = list(x.columns[:-1])\n",
+    "\n",
+    "display(pd.DataFrame(np.round(a), index=x.index, columns=pair_ages))\n",
+    "display(pd.DataFrame(np.round(b, 6), index=x.index, columns=pair_ages))\n",
+    "\n",
+    "display(np.round(adj_closed_auto.to_frame(origin_as_datetime=False)))\n",
+    "display(np.round(adj_paid_auto.to_frame(origin_as_datetime=False)))\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "18337f71",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 7 — reconcile to Friedland PDF p310\n",
+    "# Two-point a is stored on the earlier age of each pair (12 for the 12-24 fit).\n",
+    "assert np.isclose(np.round(a)[0, 0], 356, atol=1)\n",
+    "assert np.isclose(np.round(b, 6)[0, 0], 0.000411, atol=1e-6)\n",
+    "assert np.isclose(np.round(a)[1, 2], 215, atol=1)\n",
+    "assert np.isclose(np.round(b, 6)[1, 2], 0.000468, atol=1e-6)\n",
+    "assert np.allclose(\n",
+    "    np.round(adj_closed_auto.to_frame(origin_as_datetime=False)).iloc[0].astype(float),\n",
+    "    [3383, 6049, 6932, 7415, 7643, 7750, 7789, 7806],\n",
+    "    atol=2,\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "347ba2e6",
+   "metadata": {},
+   "source": [
+    "## P311 (Exhibit II Sheet 8)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "a2b71c0e",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
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+       "<style scoped>\n",
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+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12</th>\n",
+       "      <th>24</th>\n",
+       "      <th>36</th>\n",
+       "      <th>48</th>\n",
+       "      <th>60</th>\n",
+       "      <th>72</th>\n",
+       "      <th>84</th>\n",
+       "      <th>96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>1431.0</td>\n",
+       "      <td>4277.0</td>\n",
+       "      <td>6463.0</td>\n",
+       "      <td>8497.0</td>\n",
+       "      <td>9579.0</td>\n",
+       "      <td>10075.0</td>\n",
+       "      <td>10191.0</td>\n",
+       "      <td>10256.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>1745.0</td>\n",
+       "      <td>5181.0</td>\n",
+       "      <td>7865.0</td>\n",
+       "      <td>10156.0</td>\n",
+       "      <td>11301.0</td>\n",
+       "      <td>11744.0</td>\n",
+       "      <td>12031.0</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>1985.0</td>\n",
+       "      <td>6243.0</td>\n",
+       "      <td>9594.0</td>\n",
+       "      <td>12233.0</td>\n",
+       "      <td>13550.0</td>\n",
+       "      <td>14235.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>2247.0</td>\n",
+       "      <td>7228.0</td>\n",
+       "      <td>11072.0</td>\n",
+       "      <td>13837.0</td>\n",
+       "      <td>15383.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>2585.0</td>\n",
+       "      <td>7999.0</td>\n",
+       "      <td>11982.0</td>\n",
+       "      <td>15278.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>2292.0</td>\n",
+       "      <td>7271.0</td>\n",
+       "      <td>11771.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>2718.0</td>\n",
+       "      <td>9182.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>2801.0</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "          12      24       36       48       60       72       84       96\n",
+       "1969  1431.0  4277.0   6463.0   8497.0   9579.0  10075.0  10191.0  10256.0\n",
+       "1970  1745.0  5181.0   7865.0  10156.0  11301.0  11744.0  12031.0      NaN\n",
+       "1971  1985.0  6243.0   9594.0  12233.0  13550.0  14235.0      NaN      NaN\n",
+       "1972  2247.0  7228.0  11072.0  13837.0  15383.0      NaN      NaN      NaN\n",
+       "1973  2585.0  7999.0  11982.0  15278.0      NaN      NaN      NaN      NaN\n",
+       "1974  2292.0  7271.0  11771.0      NaN      NaN      NaN      NaN      NaN\n",
+       "1975  2718.0  9182.0      NaN      NaN      NaN      NaN      NaN      NaN\n",
+       "1976  2801.0     NaN      NaN      NaN      NaN      NaN      NaN      NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
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+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>2.989</td>\n",
+       "      <td>1.511</td>\n",
+       "      <td>1.315</td>\n",
+       "      <td>1.127</td>\n",
+       "      <td>1.052</td>\n",
+       "      <td>1.012</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>2.969</td>\n",
+       "      <td>1.518</td>\n",
+       "      <td>1.291</td>\n",
+       "      <td>1.113</td>\n",
+       "      <td>1.039</td>\n",
+       "      <td>1.024</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>3.145</td>\n",
+       "      <td>1.537</td>\n",
+       "      <td>1.275</td>\n",
+       "      <td>1.108</td>\n",
+       "      <td>1.051</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>3.217</td>\n",
+       "      <td>1.532</td>\n",
+       "      <td>1.250</td>\n",
+       "      <td>1.112</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>3.094</td>\n",
+       "      <td>1.498</td>\n",
+       "      <td>1.275</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3.172</td>\n",
+       "      <td>1.619</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3.378</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "1969  2.989  1.511  1.315  1.127  1.052  1.012  1.006\n",
+       "1970  2.969  1.518  1.291  1.113  1.039  1.024    NaN\n",
+       "1971  3.145  1.537  1.275  1.108  1.051    NaN    NaN\n",
+       "1972  3.217  1.532  1.250  1.112    NaN    NaN    NaN\n",
+       "1973  3.094  1.498  1.275    NaN    NaN    NaN    NaN\n",
+       "1974  3.172  1.619    NaN    NaN    NaN    NaN    NaN\n",
+       "1975  3.378    NaN    NaN    NaN    NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
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+       "    }\n",
+       "\n",
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+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Simple All Years</th>\n",
+       "      <td>3.138</td>\n",
+       "      <td>1.536</td>\n",
+       "      <td>1.281</td>\n",
+       "      <td>1.115</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Simple Latest 4</th>\n",
+       "      <td>3.215</td>\n",
+       "      <td>1.546</td>\n",
+       "      <td>1.273</td>\n",
+       "      <td>1.115</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Volume All Years</th>\n",
+       "      <td>3.158</td>\n",
+       "      <td>1.538</td>\n",
+       "      <td>1.277</td>\n",
+       "      <td>1.114</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Volume Latest 4</th>\n",
+       "      <td>3.219</td>\n",
+       "      <td>1.545</td>\n",
+       "      <td>1.271</td>\n",
+       "      <td>1.114</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                  12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "Simple All Years  3.138  1.536  1.281  1.115  1.047  1.018  1.006\n",
+       "Simple Latest 4   3.215  1.546  1.273  1.115  1.047  1.018  1.006\n",
+       "Volume All Years  3.158  1.538  1.277  1.114  1.047  1.018  1.006\n",
+       "Volume Latest 4   3.219  1.545  1.271  1.114  1.047  1.018  1.006"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "      <th>96-108</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Unadj Selected</th>\n",
+       "      <td>3.098</td>\n",
+       "      <td>1.444</td>\n",
+       "      <td>1.196</td>\n",
+       "      <td>1.087</td>\n",
+       "      <td>1.036</td>\n",
+       "      <td>1.019</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Adj Selected</th>\n",
+       "      <td>3.158</td>\n",
+       "      <td>1.538</td>\n",
+       "      <td>1.277</td>\n",
+       "      <td>1.114</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>CDF to Ultimate</th>\n",
+       "      <td>7.409</td>\n",
+       "      <td>2.346</td>\n",
+       "      <td>1.525</td>\n",
+       "      <td>1.194</td>\n",
+       "      <td>1.072</td>\n",
+       "      <td>1.024</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Percent Paid</th>\n",
+       "      <td>0.135</td>\n",
+       "      <td>0.426</td>\n",
+       "      <td>0.656</td>\n",
+       "      <td>0.838</td>\n",
+       "      <td>0.933</td>\n",
+       "      <td>0.977</td>\n",
+       "      <td>0.994</td>\n",
+       "      <td>1.0</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "                 12-24  24-36  36-48  48-60  60-72  72-84  84-96  96-108\n",
+       "Unadj Selected   3.098  1.444  1.196  1.087  1.036  1.019  1.006     1.0\n",
+       "Adj Selected     3.158  1.538  1.277  1.114  1.047  1.018  1.006     1.0\n",
+       "CDF to Ultimate  7.409  2.346  1.525  1.194  1.072  1.024  1.006     1.0\n",
+       "Percent Paid     0.135  0.426  0.656  0.838  0.933  0.977  0.994     1.0"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "adj_paid_auto = (\n",
+    "    adj_closed_auto * 0 + np.exp(adj_closed_auto.values * bs_auto.b_) * bs_auto.a_\n",
+    ")\n",
+    "adj_paid_auto = (\n",
+    "    paid_auto[paid_auto.valuation == paid_auto.valuation_date]\n",
+    "    + adj_paid_auto[adj_paid_auto.valuation < adj_paid_auto.valuation_date]\n",
+    ")\n",
+    "\n",
+    "# Part 1: Data Triangle\n",
+    "display(np.round(adj_paid_auto.to_frame(origin_as_datetime=False)))\n",
+    "\n",
+    "# Part 2: Age-to-age factors\n",
+    "display(np.round(adj_paid_auto.link_ratio.to_frame(origin_as_datetime=False), 3))\n",
+    "\n",
+    "# Part 3\n",
+    "avg_params = {\n",
+    "    \"Simple All Years\": {\"average\": \"simple\"},\n",
+    "    \"Simple Latest 4\": {\"average\": \"simple\", \"n_periods\": 4},\n",
+    "    \"Volume All Years\": {\"average\": \"volume\"},\n",
+    "    \"Volume Latest 4\": {\"average\": \"volume\", \"n_periods\": 4},\n",
+    "}\n",
+    "devs = {k: cl.Development(**v).fit(adj_paid_auto) for k, v in avg_params.items()}\n",
+    "display(\n",
+    "    np.round(\n",
+    "        pd.concat(\n",
+    "            [v.ldf_.to_frame().rename(index={\"(All)\": k}) for k, v in devs.items()]\n",
+    "        ),\n",
+    "        3,\n",
+    "    )\n",
+    ")\n",
+    "dev_adj_paid_auto = devs[\"Volume All Years\"]\n",
+    "\n",
+    "# Part 4\n",
+    "selected_ldf = {\n",
+    "    12: 3.158,\n",
+    "    24: 1.538,\n",
+    "    36: 1.277,\n",
+    "    48: 1.114,\n",
+    "    60: 1.047,\n",
+    "    72: 1.018,\n",
+    "    84: 1.006,\n",
+    "    96: 1.000,\n",
+    "}\n",
+    "# or this\n",
+    "avg_ldf = np.round(dev_adj_paid_auto.ldf_.to_frame().values.flatten(), 3)\n",
+    "selected_ldf = dict(zip([12, 24, 36, 48, 60, 72, 84, 96], [*avg_ldf, 1.000]))\n",
+    "\n",
+    "adj_paid_auto_dev = cl.DevelopmentConstant(patterns=selected_ldf, style=\"ldf\").fit(\n",
+    "    adj_paid_auto\n",
+    ")\n",
+    "cdf = np.round(adj_paid_auto_dev.cdf_.to_frame().values.flatten(), 3)\n",
+    "pct_paid = np.round(1.0 / cdf, 3)\n",
+    "\n",
+    "exhibit_ii_s8_sel = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Unadj Selected\": list(exhibit_ii_s1_sel[\"Selected\"]),\n",
+    "        \"Adj Selected\": list(selected_ldf.values()),\n",
+    "        \"CDF to Ultimate\": cdf,\n",
+    "        \"Percent Paid\": pct_paid,\n",
+    "    },\n",
+    "    index=[\"12-24\", \"24-36\", \"36-48\", \"48-60\", \"60-72\", \"72-84\", \"84-96\", \"96-108\"],\n",
+    ")\n",
+    "display(exhibit_ii_s8_sel.T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "32dd0a9e",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 8 — reconcile to Friedland PDF p311\n",
+    "assert np.allclose(\n",
+    "    np.round(adj_paid_auto.to_frame(origin_as_datetime=False)).iloc[0, :3].astype(float),\n",
+    "    [1431, 4277, 6463],\n",
+    "    atol=2,\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round(devs[\"Simple All Years\"].ldf_.to_frame().values.flatten(), 3),\n",
+    "    [3.138, 1.536, 1.281, 1.115, 1.047, 1.018, 1.006],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round(devs[\"Simple Latest 4\"].ldf_.to_frame().values.flatten(), 3),\n",
+    "    [3.215, 1.546, 1.273, 1.115, 1.047, 1.018, 1.006],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round(devs[\"Volume All Years\"].ldf_.to_frame().values.flatten(), 3),\n",
+    "    [3.158, 1.538, 1.277, 1.114, 1.047, 1.018, 1.006],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    np.round(devs[\"Volume Latest 4\"].ldf_.to_frame().values.flatten(), 3),\n",
+    "    [3.219, 1.545, 1.271, 1.114, 1.047, 1.018, 1.006],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s8_sel[\"Unadj Selected\"],\n",
+    "    exhibit_ii_s1_sel[\"Selected\"],\n",
+    ")\n",
+    "assert np.allclose(\n",
+    "    exhibit_ii_s8_sel[\"CDF to Ultimate\"],\n",
+    "    [7.416, 2.348, 1.527, 1.195, 1.073, 1.025, 1.006, 1.000],\n",
+    "    atol=0.01,\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "f4a06aad",
+   "metadata": {},
+   "source": [
+    "## P312 (Exhibit II Sheet 9)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "22434607",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
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+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>2.989</td>\n",
+       "      <td>1.511</td>\n",
+       "      <td>1.315</td>\n",
+       "      <td>1.127</td>\n",
+       "      <td>1.052</td>\n",
+       "      <td>1.012</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>2.969</td>\n",
+       "      <td>1.518</td>\n",
+       "      <td>1.291</td>\n",
+       "      <td>1.113</td>\n",
+       "      <td>1.039</td>\n",
+       "      <td>1.024</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>3.145</td>\n",
+       "      <td>1.537</td>\n",
+       "      <td>1.275</td>\n",
+       "      <td>1.108</td>\n",
+       "      <td>1.051</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>3.217</td>\n",
+       "      <td>1.532</td>\n",
+       "      <td>1.250</td>\n",
+       "      <td>1.112</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>3.094</td>\n",
+       "      <td>1.498</td>\n",
+       "      <td>1.275</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3.172</td>\n",
+       "      <td>1.619</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3.378</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "1969  2.989  1.511  1.315  1.127  1.052  1.012  1.006\n",
+       "1970  2.969  1.518  1.291  1.113  1.039  1.024    NaN\n",
+       "1971  3.145  1.537  1.275  1.108  1.051    NaN    NaN\n",
+       "1972  3.217  1.532  1.250  1.112    NaN    NaN    NaN\n",
+       "1973  3.094  1.498  1.275    NaN    NaN    NaN    NaN\n",
+       "1974  3.172  1.619    NaN    NaN    NaN    NaN    NaN\n",
+       "1975  3.378    NaN    NaN    NaN    NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Intercept</th>\n",
+       "      <td>-104.0100</td>\n",
+       "      <td>-25.0800</td>\n",
+       "      <td>25.0500</td>\n",
+       "      <td>11.3600</td>\n",
+       "      <td>2.2100</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Slope</th>\n",
+       "      <td>0.0543</td>\n",
+       "      <td>0.0135</td>\n",
+       "      <td>-0.0121</td>\n",
+       "      <td>-0.0052</td>\n",
+       "      <td>-0.0006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>R-Squared</th>\n",
+       "      <td>0.7030</td>\n",
+       "      <td>0.3440</td>\n",
+       "      <td>0.6370</td>\n",
+       "      <td>0.6100</td>\n",
+       "      <td>0.0070</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "              12-24    24-36    36-48    48-60   60-72\n",
+       "Intercept -104.0100 -25.0800  25.0500  11.3600  2.2100\n",
+       "Slope        0.0543   0.0135  -0.0121  -0.0052 -0.0006\n",
+       "R-Squared    0.7030   0.3440   0.6370   0.6100  0.0070"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
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+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "      <th>To Ult</th>\n",
+       "      <th>CDF to Ultimate</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>2.989</td>\n",
+       "      <td>1.511</td>\n",
+       "      <td>1.315</td>\n",
+       "      <td>1.127</td>\n",
+       "      <td>1.052</td>\n",
+       "      <td>1.012</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>2.969</td>\n",
+       "      <td>1.518</td>\n",
+       "      <td>1.291</td>\n",
+       "      <td>1.113</td>\n",
+       "      <td>1.039</td>\n",
+       "      <td>1.024</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>3.145</td>\n",
+       "      <td>1.537</td>\n",
+       "      <td>1.275</td>\n",
+       "      <td>1.108</td>\n",
+       "      <td>1.051</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.024</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>3.217</td>\n",
+       "      <td>1.532</td>\n",
+       "      <td>1.250</td>\n",
+       "      <td>1.112</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.072</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>3.094</td>\n",
+       "      <td>1.498</td>\n",
+       "      <td>1.275</td>\n",
+       "      <td>1.102</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.181</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3.172</td>\n",
+       "      <td>1.619</td>\n",
+       "      <td>1.245</td>\n",
+       "      <td>1.097</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.464</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3.378</td>\n",
+       "      <td>1.583</td>\n",
+       "      <td>1.233</td>\n",
+       "      <td>1.091</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>2.284</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>3.355</td>\n",
+       "      <td>1.596</td>\n",
+       "      <td>1.221</td>\n",
+       "      <td>1.086</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>7.617</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      12-24  24-36  36-48  48-60  60-72  72-84  84-96  To Ult  CDF to Ultimate\n",
+       "1969  2.989  1.511  1.315  1.127  1.052  1.012  1.006     1.0            1.000\n",
+       "1970  2.969  1.518  1.291  1.113  1.039  1.024  1.006     1.0            1.006\n",
+       "1971  3.145  1.537  1.275  1.108  1.051  1.018  1.006     1.0            1.024\n",
+       "1972  3.217  1.532  1.250  1.112  1.047  1.018  1.006     1.0            1.072\n",
+       "1973  3.094  1.498  1.275  1.102  1.047  1.018  1.006     1.0            1.181\n",
+       "1974  3.172  1.619  1.245  1.097  1.047  1.018  1.006     1.0            1.464\n",
+       "1975  3.378  1.583  1.233  1.091  1.047  1.018  1.006     1.0            2.284\n",
+       "1976  3.355  1.596  1.221  1.086  1.047  1.018  1.006     1.0            7.617"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "from scipy.stats import linregress\n",
+    "\n",
+    "ata = adj_paid_auto.link_ratio.to_frame(origin_as_datetime=False)\n",
+    "ata.index = [int(getattr(i, \"year\", i)) for i in ata.index]\n",
+    "display(np.round(ata, 3))\n",
+    "\n",
+    "fits = {}\n",
+    "for col in ata.columns:\n",
+    "    s = ata[col].dropna()\n",
+    "    if len(s) < 3:\n",
+    "        continue\n",
+    "    fits[col] = linregress(s.index.astype(float), s.astype(float))\n",
+    "\n",
+    "exhibit_ii_s9_fit = pd.DataFrame(\n",
+    "    {\n",
+    "        col: {\n",
+    "            \"Intercept\": np.round(fit.intercept, 2),\n",
+    "            \"Slope\": np.round(fit.slope, 4),\n",
+    "            \"R-Squared\": np.round(fit.rvalue ** 2, 3),\n",
+    "        }\n",
+    "        for col, fit in fits.items()\n",
+    "    }\n",
+    ")\n",
+    "display(exhibit_ii_s9_fit)\n",
+    "\n",
+    "years = list(range(ata.index.min(), ata.index.max() + 2))\n",
+    "completed = ata.reindex(years)\n",
+    "vol_sel = exhibit_ii_s8_sel[\"Adj Selected\"]\n",
+    "for col in completed.columns:\n",
+    "    for yr in years:\n",
+    "        if pd.isna(completed.loc[yr, col]):\n",
+    "            if col in fits and ata[col].notna().sum() >= 4:\n",
+    "                completed.loc[yr, col] = fits[col].intercept + fits[col].slope * yr\n",
+    "            else:\n",
+    "                completed.loc[yr, col] = vol_sel[col]\n",
+    "\n",
+    "completed[\"To Ult\"] = 1.000\n",
+    "n_orig = len(years)\n",
+    "completed[\"CDF to Ultimate\"] = [\n",
+    "    completed.loc[yr].iloc[(n_orig - 1 - i) :].prod() for i, yr in enumerate(years)\n",
+    "]\n",
+    "display(np.round(completed, 3))\n",
+    "exhibit_ii_s9 = completed\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "6411d7e8",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 9 — reconcile to Friedland PDF p312\n",
+    "assert np.allclose(exhibit_ii_s9_fit.loc[\"Intercept\"], [-104.01, -25.08, 25.05, 11.36, 2.21], atol=0.05)\n",
+    "assert np.allclose(exhibit_ii_s9_fit.loc[\"Slope\"], [0.0543, 0.0135, -0.0121, -0.0052, -0.0006], atol=0.0002)\n",
+    "assert np.allclose(exhibit_ii_s9_fit.loc[\"R-Squared\"], [0.703, 0.344, 0.637, 0.610, 0.007], atol=0.005)\n",
+    "assert np.allclose(\n",
+    "    np.round(exhibit_ii_s9[\"CDF to Ultimate\"], 3),\n",
+    "    [1.000, 1.006, 1.024, 1.073, 1.182, 1.465, 2.285, 7.621],\n",
+    "    atol=0.01,\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "e40487ad",
+   "metadata": {},
+   "source": [
+    "## P313 (Exhibit II Sheet 10)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "8833d7a2",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
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+       "\n",
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+       "\n",
+       "    .dataframe thead th {\n",
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+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>2.989</td>\n",
+       "      <td>1.511</td>\n",
+       "      <td>1.315</td>\n",
+       "      <td>1.127</td>\n",
+       "      <td>1.052</td>\n",
+       "      <td>1.012</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>2.969</td>\n",
+       "      <td>1.518</td>\n",
+       "      <td>1.291</td>\n",
+       "      <td>1.113</td>\n",
+       "      <td>1.039</td>\n",
+       "      <td>1.024</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>3.145</td>\n",
+       "      <td>1.537</td>\n",
+       "      <td>1.275</td>\n",
+       "      <td>1.108</td>\n",
+       "      <td>1.051</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>3.217</td>\n",
+       "      <td>1.532</td>\n",
+       "      <td>1.250</td>\n",
+       "      <td>1.112</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>3.094</td>\n",
+       "      <td>1.498</td>\n",
+       "      <td>1.275</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3.172</td>\n",
+       "      <td>1.619</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3.378</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      12-24  24-36  36-48  48-60  60-72  72-84  84-96\n",
+       "1969  2.989  1.511  1.315  1.127  1.052  1.012  1.006\n",
+       "1970  2.969  1.518  1.291  1.113  1.039  1.024    NaN\n",
+       "1971  3.145  1.537  1.275  1.108  1.051    NaN    NaN\n",
+       "1972  3.217  1.532  1.250  1.112    NaN    NaN    NaN\n",
+       "1973  3.094  1.498  1.275    NaN    NaN    NaN    NaN\n",
+       "1974  3.172  1.619    NaN    NaN    NaN    NaN    NaN\n",
+       "1975  3.378    NaN    NaN    NaN    NaN    NaN    NaN"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Constant</th>\n",
+       "      <td>0.0000</td>\n",
+       "      <td>0.0000</td>\n",
+       "      <td>1.354837e+08</td>\n",
+       "      <td>10606.0000</td>\n",
+       "      <td>3.0000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>Growth</th>\n",
+       "      <td>1.0174</td>\n",
+       "      <td>1.0086</td>\n",
+       "      <td>9.907000e-01</td>\n",
+       "      <td>0.9954</td>\n",
+       "      <td>0.9994</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>R-Squared</th>\n",
+       "      <td>0.7060</td>\n",
+       "      <td>0.3400</td>\n",
+       "      <td>6.330000e-01</td>\n",
+       "      <td>0.6100</td>\n",
+       "      <td>0.0070</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "            12-24   24-36         36-48       48-60   60-72\n",
+       "Constant   0.0000  0.0000  1.354837e+08  10606.0000  3.0000\n",
+       "Growth     1.0174  1.0086  9.907000e-01      0.9954  0.9994\n",
+       "R-Squared  0.7060  0.3400  6.330000e-01      0.6100  0.0070"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
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+       "\n",
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+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>12-24</th>\n",
+       "      <th>24-36</th>\n",
+       "      <th>36-48</th>\n",
+       "      <th>48-60</th>\n",
+       "      <th>60-72</th>\n",
+       "      <th>72-84</th>\n",
+       "      <th>84-96</th>\n",
+       "      <th>To Ult</th>\n",
+       "      <th>CDF to Ultimate</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>2.989</td>\n",
+       "      <td>1.511</td>\n",
+       "      <td>1.315</td>\n",
+       "      <td>1.127</td>\n",
+       "      <td>1.052</td>\n",
+       "      <td>1.012</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>2.969</td>\n",
+       "      <td>1.518</td>\n",
+       "      <td>1.291</td>\n",
+       "      <td>1.113</td>\n",
+       "      <td>1.039</td>\n",
+       "      <td>1.024</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.006</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>3.145</td>\n",
+       "      <td>1.537</td>\n",
+       "      <td>1.275</td>\n",
+       "      <td>1.108</td>\n",
+       "      <td>1.051</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.024</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>3.217</td>\n",
+       "      <td>1.532</td>\n",
+       "      <td>1.250</td>\n",
+       "      <td>1.112</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.072</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>3.094</td>\n",
+       "      <td>1.498</td>\n",
+       "      <td>1.275</td>\n",
+       "      <td>1.102</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.182</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>3.172</td>\n",
+       "      <td>1.619</td>\n",
+       "      <td>1.245</td>\n",
+       "      <td>1.097</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>1.465</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>3.378</td>\n",
+       "      <td>1.582</td>\n",
+       "      <td>1.234</td>\n",
+       "      <td>1.092</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>2.285</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>3.359</td>\n",
+       "      <td>1.596</td>\n",
+       "      <td>1.222</td>\n",
+       "      <td>1.087</td>\n",
+       "      <td>1.047</td>\n",
+       "      <td>1.018</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.0</td>\n",
+       "      <td>7.634</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      12-24  24-36  36-48  48-60  60-72  72-84  84-96  To Ult  CDF to Ultimate\n",
+       "1969  2.989  1.511  1.315  1.127  1.052  1.012  1.006     1.0            1.000\n",
+       "1970  2.969  1.518  1.291  1.113  1.039  1.024  1.006     1.0            1.006\n",
+       "1971  3.145  1.537  1.275  1.108  1.051  1.018  1.006     1.0            1.024\n",
+       "1972  3.217  1.532  1.250  1.112  1.047  1.018  1.006     1.0            1.072\n",
+       "1973  3.094  1.498  1.275  1.102  1.047  1.018  1.006     1.0            1.182\n",
+       "1974  3.172  1.619  1.245  1.097  1.047  1.018  1.006     1.0            1.465\n",
+       "1975  3.378  1.582  1.234  1.092  1.047  1.018  1.006     1.0            2.285\n",
+       "1976  3.359  1.596  1.222  1.087  1.047  1.018  1.006     1.0            7.634"
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "from scipy.stats import linregress\n",
+    "\n",
+    "ata = adj_paid_auto.link_ratio.to_frame(origin_as_datetime=False)\n",
+    "ata.index = [int(getattr(i, \"year\", i)) for i in ata.index]\n",
+    "display(np.round(ata, 3))\n",
+    "\n",
+    "fits = {}\n",
+    "for col in ata.columns:\n",
+    "    s = ata[col].dropna()\n",
+    "    if len(s) < 3:\n",
+    "        continue\n",
+    "    fits[col] = linregress(s.index.astype(float), np.log(s.astype(float)))\n",
+    "\n",
+    "exhibit_ii_s10_fit = pd.DataFrame(\n",
+    "    {\n",
+    "        col: {\n",
+    "            \"Constant\": 0 if np.exp(fit.intercept) < 1 else int(np.round(np.exp(fit.intercept))),\n",
+    "            \"Growth\": np.round(np.exp(fit.slope), 4),\n",
+    "            \"R-Squared\": np.round(fit.rvalue ** 2, 3),\n",
+    "        }\n",
+    "        for col, fit in fits.items()\n",
+    "    }\n",
+    ")\n",
+    "display(exhibit_ii_s10_fit)\n",
+    "\n",
+    "years = list(range(ata.index.min(), ata.index.max() + 2))\n",
+    "completed = ata.reindex(years)\n",
+    "vol_sel = exhibit_ii_s8_sel[\"Adj Selected\"]\n",
+    "for col in completed.columns:\n",
+    "    for yr in years:\n",
+    "        if pd.isna(completed.loc[yr, col]):\n",
+    "            if col in fits and ata[col].notna().sum() >= 4:\n",
+    "                completed.loc[yr, col] = np.exp(fits[col].intercept + fits[col].slope * yr)\n",
+    "            else:\n",
+    "                completed.loc[yr, col] = vol_sel[col]\n",
+    "\n",
+    "completed[\"To Ult\"] = 1.000\n",
+    "n_orig = len(years)\n",
+    "completed[\"CDF to Ultimate\"] = [\n",
+    "    completed.loc[yr].iloc[(n_orig - 1 - i) :].prod() for i, yr in enumerate(years)\n",
+    "]\n",
+    "display(np.round(completed, 3))\n",
+    "exhibit_ii_s10 = completed\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "562d99fe",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 10 — reconcile to Friedland PDF p313\n",
+    "assert np.allclose(exhibit_ii_s10_fit.loc[\"Growth\"], [1.0174, 1.0086, 0.9907, 0.9954, 0.9994], atol=0.0002)\n",
+    "assert np.allclose(exhibit_ii_s10_fit.loc[\"R-Squared\"], [0.706, 0.340, 0.633, 0.610, 0.007], atol=0.005)\n",
+    "assert np.allclose(\n",
+    "    np.round(exhibit_ii_s10[\"CDF to Ultimate\"], 3),\n",
+    "    [1.000, 1.006, 1.024, 1.073, 1.182, 1.466, 2.286, 7.638],\n",
+    "    atol=0.01,\n",
+    ")\n",
+    "assert np.isclose(np.round(exhibit_ii_s10.loc[1976, \"12-24\"], 3), 3.359, atol=0.002)\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "70ccbc9e",
+   "metadata": {},
+   "source": [
+    "## P314 (Exhibit II Sheet 11)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "7096dce3",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Age (2)</th>\n",
+       "      <th>Adj Paid (3)</th>\n",
+       "      <th>CDF Unadj (4)</th>\n",
+       "      <th>CDF Volume (5)</th>\n",
+       "      <th>CDF Linear (6)</th>\n",
+       "      <th>CDF Exponential (7)</th>\n",
+       "      <th>Ult Unadj (8)</th>\n",
+       "      <th>Ult Volume (9)</th>\n",
+       "      <th>Ult Linear (10)</th>\n",
+       "      <th>Ult Exponential (11)</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>96</td>\n",
+       "      <td>10256.0</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>1.000</td>\n",
+       "      <td>10256.000</td>\n",
+       "      <td>10256.000</td>\n",
+       "      <td>10256.000</td>\n",
+       "      <td>10256.000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>84</td>\n",
+       "      <td>12031.0</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>1.006</td>\n",
+       "      <td>12103.186</td>\n",
+       "      <td>12103.186</td>\n",
+       "      <td>12103.186</td>\n",
+       "      <td>12103.186</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>72</td>\n",
+       "      <td>14235.0</td>\n",
+       "      <td>1.025</td>\n",
+       "      <td>1.024</td>\n",
+       "      <td>1.024</td>\n",
+       "      <td>1.024</td>\n",
+       "      <td>14590.875</td>\n",
+       "      <td>14576.640</td>\n",
+       "      <td>14576.640</td>\n",
+       "      <td>14576.640</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>60</td>\n",
+       "      <td>15383.0</td>\n",
+       "      <td>1.062</td>\n",
+       "      <td>1.072</td>\n",
+       "      <td>1.072</td>\n",
+       "      <td>1.072</td>\n",
+       "      <td>16336.746</td>\n",
+       "      <td>16490.576</td>\n",
+       "      <td>16490.576</td>\n",
+       "      <td>16490.576</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>48</td>\n",
+       "      <td>15278.0</td>\n",
+       "      <td>1.154</td>\n",
+       "      <td>1.194</td>\n",
+       "      <td>1.181</td>\n",
+       "      <td>1.182</td>\n",
+       "      <td>17630.812</td>\n",
+       "      <td>18241.932</td>\n",
+       "      <td>18043.318</td>\n",
+       "      <td>18058.596</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>36</td>\n",
+       "      <td>11771.0</td>\n",
+       "      <td>1.381</td>\n",
+       "      <td>1.525</td>\n",
+       "      <td>1.464</td>\n",
+       "      <td>1.465</td>\n",
+       "      <td>16255.751</td>\n",
+       "      <td>17950.775</td>\n",
+       "      <td>17232.744</td>\n",
+       "      <td>17244.515</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>24</td>\n",
+       "      <td>9182.0</td>\n",
+       "      <td>1.994</td>\n",
+       "      <td>2.346</td>\n",
+       "      <td>2.284</td>\n",
+       "      <td>2.285</td>\n",
+       "      <td>18308.908</td>\n",
+       "      <td>21540.972</td>\n",
+       "      <td>20971.688</td>\n",
+       "      <td>20980.870</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>12</td>\n",
+       "      <td>2801.0</td>\n",
+       "      <td>6.176</td>\n",
+       "      <td>7.409</td>\n",
+       "      <td>7.617</td>\n",
+       "      <td>7.634</td>\n",
+       "      <td>17298.976</td>\n",
+       "      <td>20752.609</td>\n",
+       "      <td>21335.217</td>\n",
+       "      <td>21382.834</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      Age (2)  Adj Paid (3)  CDF Unadj (4)  CDF Volume (5)  CDF Linear (6)  \\\n",
+       "1969       96       10256.0          1.000           1.000           1.000   \n",
+       "1970       84       12031.0          1.006           1.006           1.006   \n",
+       "1971       72       14235.0          1.025           1.024           1.024   \n",
+       "1972       60       15383.0          1.062           1.072           1.072   \n",
+       "1973       48       15278.0          1.154           1.194           1.181   \n",
+       "1974       36       11771.0          1.381           1.525           1.464   \n",
+       "1975       24        9182.0          1.994           2.346           2.284   \n",
+       "1976       12        2801.0          6.176           7.409           7.617   \n",
+       "\n",
+       "      CDF Exponential (7)  Ult Unadj (8)  Ult Volume (9)  Ult Linear (10)  \\\n",
+       "1969                1.000      10256.000       10256.000        10256.000   \n",
+       "1970                1.006      12103.186       12103.186        12103.186   \n",
+       "1971                1.024      14590.875       14576.640        14576.640   \n",
+       "1972                1.072      16336.746       16490.576        16490.576   \n",
+       "1973                1.182      17630.812       18241.932        18043.318   \n",
+       "1974                1.465      16255.751       17950.775        17232.744   \n",
+       "1975                2.285      18308.908       21540.972        20971.688   \n",
+       "1976                7.634      17298.976       20752.609        21335.217   \n",
+       "\n",
+       "      Ult Exponential (11)  \n",
+       "1969             10256.000  \n",
+       "1970             12103.186  \n",
+       "1971             14576.640  \n",
+       "1972             16490.576  \n",
+       "1973             18058.596  \n",
+       "1974             17244.515  \n",
+       "1975             20980.870  \n",
+       "1976             21382.834  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Adj Paid (3)</th>\n",
+       "      <th>Ult Unadj (8)</th>\n",
+       "      <th>Ult Volume (9)</th>\n",
+       "      <th>Ult Linear (10)</th>\n",
+       "      <th>Ult Exponential (11)</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Total</th>\n",
+       "      <td>90937.0</td>\n",
+       "      <td>122781.254</td>\n",
+       "      <td>131912.69</td>\n",
+       "      <td>131009.369</td>\n",
+       "      <td>131093.217</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "       Adj Paid (3)  Ult Unadj (8)  Ult Volume (9)  Ult Linear (10)  \\\n",
+       "Total       90937.0     122781.254       131912.69       131009.369   \n",
+       "\n",
+       "       Ult Exponential (11)  \n",
+       "Total            131093.217  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "paid_latest = adj_paid_auto.latest_diagonal.to_frame(origin_as_datetime=False).iloc[:, 0]\n",
+    "paid_latest.index = [int(getattr(i, \"year\", i)) for i in paid_latest.index]\n",
+    "ages = sorted(paid_auto.development, reverse=True)\n",
+    "\n",
+    "age_to_cdf_unadj = dict(\n",
+    "    zip([12, 24, 36, 48, 60, 72, 84, 96], exhibit_ii_s1_sel[\"CDF to Ultimate\"])\n",
+    ")\n",
+    "age_to_cdf_vol = dict(\n",
+    "    zip([12, 24, 36, 48, 60, 72, 84, 96], exhibit_ii_s8_sel[\"CDF to Ultimate\"])\n",
+    ")\n",
+    "\n",
+    "cl_unadj_paid_auto = cl.Chainladder().fit(\n",
+    "    cl.DevelopmentConstant(patterns=age_to_cdf_unadj, style=\"cdf\").fit_transform(paid_auto)\n",
+    ")\n",
+    "cl_vol_adj_paid_auto = cl.Chainladder().fit(\n",
+    "    cl.DevelopmentConstant(patterns=age_to_cdf_vol, style=\"cdf\").fit_transform(\n",
+    "        adj_paid_auto\n",
+    "    )\n",
+    ")\n",
+    "\n",
+    "cdf_lin = np.round(exhibit_ii_s9[\"CDF to Ultimate\"], 3)\n",
+    "cdf_exp = np.round(exhibit_ii_s10[\"CDF to Ultimate\"], 3)\n",
+    "\n",
+    "exhibit_ii_s11 = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Age (2)\": ages,\n",
+    "        \"Adj Paid (3)\": paid_latest.values,\n",
+    "        \"CDF Unadj (4)\": [age_to_cdf_unadj[a] for a in ages],\n",
+    "        \"CDF Volume (5)\": [age_to_cdf_vol[a] for a in ages],\n",
+    "        \"CDF Linear (6)\": cdf_lin.values,\n",
+    "        \"CDF Exponential (7)\": cdf_exp.values,\n",
+    "        \"Ult Unadj (8)\": cl_unadj_paid_auto.ultimate_.to_frame(origin_as_datetime=False)\n",
+    "        .iloc[:, 0]\n",
+    "        .values,\n",
+    "        \"Ult Volume (9)\": cl_vol_adj_paid_auto.ultimate_.to_frame(origin_as_datetime=False)\n",
+    "        .iloc[:, 0]\n",
+    "        .values,\n",
+    "        \"Ult Linear (10)\": paid_latest.values * cdf_lin.values,\n",
+    "        \"Ult Exponential (11)\": paid_latest.values * cdf_exp.values,\n",
+    "    },\n",
+    "    index=paid_latest.index,\n",
+    ")\n",
+    "display(exhibit_ii_s11)\n",
+    "display(\n",
+    "    exhibit_ii_s11[\n",
+    "        [\"Adj Paid (3)\", \"Ult Unadj (8)\", \"Ult Volume (9)\", \"Ult Linear (10)\", \"Ult Exponential (11)\"]\n",
+    "    ]\n",
+    "    .sum()\n",
+    "    .to_frame(\"Total\")\n",
+    "    .T\n",
+    ")\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "6757644c",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 11 — reconcile to Friedland PDF p314\n",
+    "assert np.allclose(exhibit_ii_s11[\"Adj Paid (3)\"], [10256, 12031, 14235, 15383, 15278, 11771, 9182, 2801], atol=1)\n",
+    "assert np.isclose(exhibit_ii_s11[\"Adj Paid (3)\"].sum(), 90937, atol=1)\n",
+    "assert np.isclose(exhibit_ii_s11[\"Ult Unadj (8)\"].sum(), 122684, atol=150)\n",
+    "assert np.isclose(exhibit_ii_s11[\"Ult Volume (9)\"].sum(), 132019, atol=150)\n",
+    "assert np.isclose(exhibit_ii_s11[\"Ult Linear (10)\"].sum(), 131079, atol=150)\n",
+    "assert np.isclose(exhibit_ii_s11[\"Ult Exponential (11)\"].sum(), 131147, atol=150)\n"
+   ]
+  },
+  {
+   "cell_type": "markdown",
+   "id": "7ca7a894",
+   "metadata": {},
+   "source": [
+    "## P315 (Exhibit II Sheet 12)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "77eb1d8d",
+   "metadata": {},
+   "outputs": [
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Paid (2)</th>\n",
+       "      <th>Ult Unadj (3)</th>\n",
+       "      <th>Ult Volume (4)</th>\n",
+       "      <th>Ult Linear (5)</th>\n",
+       "      <th>Ult Exponential (6)</th>\n",
+       "      <th>Unpaid Unadj (7)</th>\n",
+       "      <th>Unpaid Volume (8)</th>\n",
+       "      <th>Unpaid Linear (9)</th>\n",
+       "      <th>Unpaid Exponential (10)</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>1969</th>\n",
+       "      <td>10256.0</td>\n",
+       "      <td>10256.000</td>\n",
+       "      <td>10256.000</td>\n",
+       "      <td>10256.000</td>\n",
+       "      <td>10256.000</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>NaN</td>\n",
+       "      <td>0.000</td>\n",
+       "      <td>0.000</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1970</th>\n",
+       "      <td>12031.0</td>\n",
+       "      <td>12103.186</td>\n",
+       "      <td>12103.186</td>\n",
+       "      <td>12103.186</td>\n",
+       "      <td>12103.186</td>\n",
+       "      <td>72.186</td>\n",
+       "      <td>72.186</td>\n",
+       "      <td>72.186</td>\n",
+       "      <td>72.186</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1971</th>\n",
+       "      <td>14235.0</td>\n",
+       "      <td>14590.875</td>\n",
+       "      <td>14576.640</td>\n",
+       "      <td>14576.640</td>\n",
+       "      <td>14576.640</td>\n",
+       "      <td>355.875</td>\n",
+       "      <td>341.640</td>\n",
+       "      <td>341.640</td>\n",
+       "      <td>341.640</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1972</th>\n",
+       "      <td>15383.0</td>\n",
+       "      <td>16336.746</td>\n",
+       "      <td>16490.576</td>\n",
+       "      <td>16490.576</td>\n",
+       "      <td>16490.576</td>\n",
+       "      <td>953.746</td>\n",
+       "      <td>1107.576</td>\n",
+       "      <td>1107.576</td>\n",
+       "      <td>1107.576</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1973</th>\n",
+       "      <td>15278.0</td>\n",
+       "      <td>17630.812</td>\n",
+       "      <td>18241.932</td>\n",
+       "      <td>18043.318</td>\n",
+       "      <td>18058.596</td>\n",
+       "      <td>2352.812</td>\n",
+       "      <td>2963.932</td>\n",
+       "      <td>2765.318</td>\n",
+       "      <td>2780.596</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1974</th>\n",
+       "      <td>11771.0</td>\n",
+       "      <td>16255.751</td>\n",
+       "      <td>17950.775</td>\n",
+       "      <td>17232.744</td>\n",
+       "      <td>17244.515</td>\n",
+       "      <td>4484.751</td>\n",
+       "      <td>6179.775</td>\n",
+       "      <td>5461.744</td>\n",
+       "      <td>5473.515</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1975</th>\n",
+       "      <td>9182.0</td>\n",
+       "      <td>18308.908</td>\n",
+       "      <td>21540.972</td>\n",
+       "      <td>20971.688</td>\n",
+       "      <td>20980.870</td>\n",
+       "      <td>9126.908</td>\n",
+       "      <td>12358.972</td>\n",
+       "      <td>11789.688</td>\n",
+       "      <td>11798.870</td>\n",
+       "    </tr>\n",
+       "    <tr>\n",
+       "      <th>1976</th>\n",
+       "      <td>2801.0</td>\n",
+       "      <td>17298.976</td>\n",
+       "      <td>20752.609</td>\n",
+       "      <td>21335.217</td>\n",
+       "      <td>21382.834</td>\n",
+       "      <td>14497.976</td>\n",
+       "      <td>17951.609</td>\n",
+       "      <td>18534.217</td>\n",
+       "      <td>18581.834</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "      Paid (2)  Ult Unadj (3)  Ult Volume (4)  Ult Linear (5)  \\\n",
+       "1969   10256.0      10256.000       10256.000       10256.000   \n",
+       "1970   12031.0      12103.186       12103.186       12103.186   \n",
+       "1971   14235.0      14590.875       14576.640       14576.640   \n",
+       "1972   15383.0      16336.746       16490.576       16490.576   \n",
+       "1973   15278.0      17630.812       18241.932       18043.318   \n",
+       "1974   11771.0      16255.751       17950.775       17232.744   \n",
+       "1975    9182.0      18308.908       21540.972       20971.688   \n",
+       "1976    2801.0      17298.976       20752.609       21335.217   \n",
+       "\n",
+       "      Ult Exponential (6)  Unpaid Unadj (7)  Unpaid Volume (8)  \\\n",
+       "1969            10256.000               NaN                NaN   \n",
+       "1970            12103.186            72.186             72.186   \n",
+       "1971            14576.640           355.875            341.640   \n",
+       "1972            16490.576           953.746           1107.576   \n",
+       "1973            18058.596          2352.812           2963.932   \n",
+       "1974            17244.515          4484.751           6179.775   \n",
+       "1975            20980.870          9126.908          12358.972   \n",
+       "1976            21382.834         14497.976          17951.609   \n",
+       "\n",
+       "      Unpaid Linear (9)  Unpaid Exponential (10)  \n",
+       "1969              0.000                    0.000  \n",
+       "1970             72.186                   72.186  \n",
+       "1971            341.640                  341.640  \n",
+       "1972           1107.576                 1107.576  \n",
+       "1973           2765.318                 2780.596  \n",
+       "1974           5461.744                 5473.515  \n",
+       "1975          11789.688                11798.870  \n",
+       "1976          18534.217                18581.834  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    },
+    {
+     "data": {
+      "text/html": [
+       "<div>\n",
+       "<style scoped>\n",
+       "    .dataframe tbody tr th:only-of-type {\n",
+       "        vertical-align: middle;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe tbody tr th {\n",
+       "        vertical-align: top;\n",
+       "    }\n",
+       "\n",
+       "    .dataframe thead th {\n",
+       "        text-align: right;\n",
+       "    }\n",
+       "</style>\n",
+       "<table border=\"1\" class=\"dataframe\">\n",
+       "  <thead>\n",
+       "    <tr style=\"text-align: right;\">\n",
+       "      <th></th>\n",
+       "      <th>Paid (2)</th>\n",
+       "      <th>Ult Unadj (3)</th>\n",
+       "      <th>Ult Volume (4)</th>\n",
+       "      <th>Ult Linear (5)</th>\n",
+       "      <th>Ult Exponential (6)</th>\n",
+       "      <th>Unpaid Unadj (7)</th>\n",
+       "      <th>Unpaid Volume (8)</th>\n",
+       "      <th>Unpaid Linear (9)</th>\n",
+       "      <th>Unpaid Exponential (10)</th>\n",
+       "    </tr>\n",
+       "  </thead>\n",
+       "  <tbody>\n",
+       "    <tr>\n",
+       "      <th>Total</th>\n",
+       "      <td>90937.0</td>\n",
+       "      <td>122781.254</td>\n",
+       "      <td>131912.69</td>\n",
+       "      <td>131009.369</td>\n",
+       "      <td>131093.217</td>\n",
+       "      <td>31844.254</td>\n",
+       "      <td>40975.69</td>\n",
+       "      <td>40072.369</td>\n",
+       "      <td>40156.217</td>\n",
+       "    </tr>\n",
+       "  </tbody>\n",
+       "</table>\n",
+       "</div>"
+      ],
+      "text/plain": [
+       "       Paid (2)  Ult Unadj (3)  Ult Volume (4)  Ult Linear (5)  \\\n",
+       "Total   90937.0     122781.254       131912.69      131009.369   \n",
+       "\n",
+       "       Ult Exponential (6)  Unpaid Unadj (7)  Unpaid Volume (8)  \\\n",
+       "Total           131093.217         31844.254           40975.69   \n",
+       "\n",
+       "       Unpaid Linear (9)  Unpaid Exponential (10)  \n",
+       "Total          40072.369                40156.217  "
+      ]
+     },
+     "metadata": {},
+     "output_type": "display_data"
+    }
+   ],
+   "source": [
+    "exhibit_ii_s12 = pd.DataFrame(\n",
+    "    {\n",
+    "        \"Paid (2)\": exhibit_ii_s11[\"Adj Paid (3)\"],\n",
+    "        \"Ult Unadj (3)\": exhibit_ii_s11[\"Ult Unadj (8)\"],\n",
+    "        \"Ult Volume (4)\": exhibit_ii_s11[\"Ult Volume (9)\"],\n",
+    "        \"Ult Linear (5)\": exhibit_ii_s11[\"Ult Linear (10)\"],\n",
+    "        \"Ult Exponential (6)\": exhibit_ii_s11[\"Ult Exponential (11)\"],\n",
+    "        \"Unpaid Unadj (7)\": cl_unadj_paid_auto.ibnr_.to_frame(origin_as_datetime=False)\n",
+    "        .iloc[:, 0]\n",
+    "        .values,\n",
+    "        \"Unpaid Volume (8)\": cl_vol_adj_paid_auto.ibnr_.to_frame(origin_as_datetime=False)\n",
+    "        .iloc[:, 0]\n",
+    "        .values,\n",
+    "        \"Unpaid Linear (9)\": exhibit_ii_s11[\"Ult Linear (10)\"]\n",
+    "        - exhibit_ii_s11[\"Adj Paid (3)\"],\n",
+    "        \"Unpaid Exponential (10)\": exhibit_ii_s11[\"Ult Exponential (11)\"]\n",
+    "        - exhibit_ii_s11[\"Adj Paid (3)\"],\n",
+    "    },\n",
+    "    index=exhibit_ii_s11.index,\n",
+    ")\n",
+    "display(exhibit_ii_s12)\n",
+    "display(exhibit_ii_s12.sum().to_frame(\"Total\").T)\n"
+   ]
+  },
+  {
+   "cell_type": "code",
+   "execution_count": null,
+   "id": "2f8f75fd",
+   "metadata": {},
+   "outputs": [],
+   "source": [
+    "# Exhibit II Sheet 12 — reconcile to Friedland PDF p315\n",
+    "assert np.isclose(exhibit_ii_s12[\"Paid (2)\"].sum(), 90937, atol=1)\n",
+    "assert np.isclose(exhibit_ii_s12[\"Ult Unadj (3)\"].sum(), 122684, atol=150)\n",
+    "assert np.isclose(exhibit_ii_s12[\"Unpaid Unadj (7)\"].sum(), 31747, atol=150)\n",
+    "assert np.isclose(exhibit_ii_s12[\"Unpaid Volume (8)\"].sum(), 41082, atol=150)\n",
+    "assert np.isclose(exhibit_ii_s12[\"Unpaid Linear (9)\"].sum(), 40142, atol=150)\n",
+    "assert np.isclose(exhibit_ii_s12[\"Unpaid Exponential (10)\"].sum(), 40210, atol=150)\n"
+   ]
+  }
+ ],
+ "metadata": {
+  "kernelspec": {
+   "display_name": "Python 3",
+   "language": "python",
+   "name": "python3"
+  },
+  "language_info": {
+   "codemirror_mode": {
+    "name": "ipython",
+    "version": 3
+   },
+   "file_extension": ".py",
+   "mimetype": "text/x-python",
+   "name": "python",
+   "nbconvert_exporter": "python",
+   "pygments_lexer": "ipython3",
+   "version": "3.10.7"
+  }
+ },
+ "nbformat": 4,
+ "nbformat_minor": 5
+}