read-the-portfolio-result

name	read-the-portfolio-result
description	Read the underwriting result by line of business, attritional-vs-cat and net-of-reinsurance, so the mix story is visible. Reach for this on a portfolio review.

Skill: Read the portfolio result

The average hides the portfolio; the line mix reveals it.

Step 1 — Decompose by line

NCR by line — e.g. homeowners ~88, personal auto ~91.8, GL/commercial auto >100 in 2025 (§3 #6).

Step 2 — Strip cat per line

Separate attritional from cat by line (§3 #4).

Step 3 — Read net of reinsurance

Judge the result net where reinsurance matters.

Step 4 — Recommend the mix

Map growth/shrink decisions to the by-line result.

Output

A by-line, attritional/cat, net-of-reinsurance portfolio read with a mix recommendation.