By Eric P. Harding
During my tenure at the Academy, I’ve come to understand much more about risk than I did when I first walked through the doors.

By Steve Alpert
The actuarial profession has to navigate the dynamic tension created by two concepts that are at the heart of financial security programs: fairness and security.

Letters submitted to Contingencies regarding the January/February 2018 and July/August 2017 issues.

By David Ogden
Eric Ratesetter walked into his boss’s office and said, “I’ve got a problem.”

By Joe Allbright, Jonathan Callund, Andrea Cardoso, Jac Joubert, Walter Marsh, and Susan Mateja
Editor’s note: This is the fourth in a series of articles from the Health Practice International Committee on ideas from foreign models of health care that may assist the United States in finding cost-effective ways to deliver high-quality health care in an equitable and sustainable way.

By Mark R. Shapland
There’s a paradigm shift underway in benchmarking unpaid claims. Nearly every far-reaching decision any insurance entity makes—from pricing to capital needs and risk management—hinges in some way on projections of unpaid claims.

By Warren Manners
Editor’s Note: A previous puzzle, “Crossoku,” was published without some important structural information, confusing many puzzlers. A corrected version of this puzzle is available at contingencies.org/crossoku/.

By Tom Toce
Most Americans are dealing with their taxes about now, so I thought we should have a tax-themed puzzle.

By Josh Feldman
I still remember my introduction to the internet as if it happened yesterday.

By Sam Gutterman
After seeing Coco, an animated movie about Mexico’s Day of the Dead and about the importance of family ties stretching back generations, and reading Bob Reitz’s “End Paper” column on legacy and family history, some snippets about my past might shed some light on how I view the past, both professionally and personally.