welcome everyone please feel free to write your questions or comments in the chat so at the end of the presentation we can try and address them. many thanks

how many are you? Ahaha how are you man?

Thanks Marcello really interesting

To what extent have you examined the sensitivity of the analysis to the main assumptions for example regarding the deductibles.

Thanks Marcello

Thank you Marcello, Great work!

Thanks Marcello, well done!

@richard isnt risk selection a cost control tool? or isnt cost control the goal of risk selection? wouldn’t insurer consider reputation effects in aligning their incentive compatibility strategies eg yes no risk selection?

@richard what is the potential relevance of your work to the Australian system?

Hey Richard very nice presentation. In the beginning you've demonstrated several ways to tackle the issue. instead of using multi year high/low spending or a constrained selection what do you think of a multi year profit/loss after risk equalization as a factor in the regression of the risk equalization model. I suppose you will have a strong reduction in insures URH but also a strong reduction in cost containment incentives

Thank you Marcello and Richard

Thank you all. Great presentations!

Thank you for organising this webinar!