By Adam Benjamin
Illustrations by Daniel Liévano

By April S. Choi, C. Jo Erwin, Kevin Geurtsen, Julia Lerche, Yi-Ling Lin, Vanessa M. Olson, Rebecca Owen, Susan Pantely, Anthony Pistilli, Chris Schmidt, Martin E. Staehlin, Sara Teppema, and Tammy Tomczyk

By Joe Allbright, Alex Leung, Mitchell Momanyi, Rebecca Owen, and Teresa Winer Authors’ note: This

By John Divine
Where are we on the road to completely autonomous vehicles … and what will they mean for the future of the auto insurance space?

By Eric P. Harding
Typically, I write this column on the day the magazine goes to print. I write it from my office in Dupont Circle, in Washington, D.C.—that’s where the Academy’s office is located.

By D. Joeff Williams
When I first started thinking about the focus of my next President’s Message, I had already been thinking about the theme of “change.”

Letters submitted to Contingencies regarding the March/April 2020 and the March/April 2016 issue.

By John T. Stokesbury
I am fascinated by the old movies that have been “colorized”—teasing out the real colors from the slight variations in gray used throughout the film.

By Paul Conlin
Like many actuaries and financial analysts, I have spent the last half-decade hearing the buzzwords “Big Data,” “data analytics,” “predictive analysis,” and various other iterations of the same idea.

By Jason Alvarez and Mark Troutman
Health care insurance programs require capital to support the risk assumed by the health plan.

By Warren Manners

By Tom Toce
Ten across answers are too long by one letter.

By Stephen Meskin
Because we are elderly, my wife feels it is important for us to downsize.

By Bob Rietz
Is it my imagination, or do people’s opinion of a government subsidy depend on whether they are beneficiaries of it?