By Eric P. Harding
Here in the Commonwealth of Virginia, school just let out for the year. This was a school year unlike any in my lifetime; my kids had a weeks-long hiatus while the county got ready for distance learning.

By D. Joeff Williams
“Uncertainty.” That word has been repeated often in conversations and discussions I have been a part of recently, whether in my professional life or my personal life.

By David Ogden
Randy Ratesetter came into Sheila Savvy’s office. Randy was relatively new, having joined Virtual Consulting three years ago.

By Leo Apilash
When Jim and I first became roommates, by coincidence we also had a number of classes together.

By Jay Vadiveloo
Conservation or policy retention is not a new idea for life insurers.

By Warren Manners

By Tom Toce
This month we’re treated to another puzzle constructed by my long-time test solvers Bob Fink and Jerry Miccolis.

By Josh Feldman
A couple of days ago, I talked on Zoom with some actuary friends for the first time since the pandemic started; we hoped to cheer each other up with a distracting story or two.

By Sam Gutterman
In these days of a pandemic, climate change, super-high unemployment, and low interest rates, it can be difficult to maintain that future events can be represented by probability distributions. Shocks due to unanticipated disruptions and not-well-behaved trends contribute to this skepticism.