Each row is an accident year, when losses occurred. Columns show how total payments accumulate over development years. The blank lower-right corner is IBNR (Incurred But Not Reported): future payments the portfolio still owes. Actuaries use the development factors below to project those ultimate costs and set reserves.
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Location: us-central1
Job ID: e61ae68c-4b67-467c-9faa-4c94a6665478