| 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.