Every Single Time.
They already have total control. No White is ungovernable. All they have to do is maintain the status quo for 2 more decades and there won't be anymore Whites.
A race war is already started, but only one side if fighting. There is effectively a $500,000 per head bounty on white males in the United States. The only hope Whites have is to retaliate such that no nigger even thinks on trying to collect.
Funding terrorists is a crime.
I bet it is the LLM they used to write the article "helpfully" translating the word.
They are the same thing. The spics that moved in 2 years ago let trash blow out of their yard. Every single day I have to go pick up their garbage that ends up in my yard. They burn their plastic even though the city give them a garbage can to use. They dug out their septic tank since it could only support 6 people and they have 16 living in a 2 bedroom house, and left it uncovered for an entire summer. Their chickens come into my yard and shit all over everything.
The spics that live diagonal from me just last week during a very windy day set their yard on fire to do slash and burn farming during a burn ban.
I hate them. I want them deleted.
I track by canceled appointments.
Holy shit, just how many appointments do you make a week, woman? Someone needs to take away her phone.
To borrow one from WSB:
GameStop is going to the mooncrickets.
If it's brown, flush it down.
Once again, democrats are stating the method to permeantly defeat them. They are telling us their worst fears.
How else can you undo the Hart-Celler act without removing citizenship from millions of democrats that came into the country because of it?
You don't understand math at all do you?
The expectation value of an event is the probability of that event times the signed reward of that event. V = P*R
The insurance company knows the real probabilities of events because they have the empirical data. The will not price the insurance at a level below the expected payout for any given event. The 2% you keep mentioning is therefore just as catastrophic to you as the event itself. If you cannot pay for something happening one time, then you cannot pay for the equivalent happening twice.
The only time insurance makes sense is when you rig the game against the insurance company by hiding information from them.
You have completely inverted my point. See the example I posted above.
If you are concerned that idealized scenarios are not useful, then I invite you to model all 10^23 molecules affected by your bullets before the next time you go shooting. No cheating by using idealizations like the Naiver-Stokes equations. You have to model each individual collision.
This has nothing to do with the ideal insurance company. You completely (and everyone else) missed the point.
I'll spell it out in a simple example for you.
There are 7000 customers who want insurance on their next 1d20 roll. They want a payout of 3000 dollars for a nat 1. Thus the expected payout for the insurance company is 0.05 * 3000 = 150 dollars per person. The ideal insurance company has to charge 150 dollars per person. Some of the people won't "win" the insurance, some will, but the law of large numbers says the insurance company won't lose or gain money. A non idealized but ethical insurance company will have to charge a small additional amount to their customers to cover their overhead: salaries, rent, fees, and reinsurance. The more they increase their overhead, or their profits, the further they are from ideal.
The problem comes in when you get Board members, CEOs, and stock holders involved. They want to maximize their profits so they charge 1500 dollars per person. They lie to everyone about the odds saying the odds of rolling a 1 on 1d20 is 50%, so instead of taking in and paying out 1.05 million dollars, they take in 10.5 million dollars and still only pay out 1.05 million dollars, getting 9.45 million dollars profit. Or they just increase the overhead via increasing salaries and claim no profits because it is all going to buy their next yacht and summer home. That lets them screw both the customers and stockholders.
Artists ruined Art. Simple as.
Them starving is poetic justice.
Solvency is a prerequisite
Of course it is, and you are retarded for implying otherwise. An insurance company that doesn't exist after you pay into it is the same as an insurance company that doesn't pay out.
As for not answering his question, I already gave it more respect than it deserves by giving him some questions to think about to get to the answer. He wasn't asking in good faith because he is one of those "Won't you think of the poor CEO's" type.
The former. Money doesn't come from nothing, but all overhead is taking from the money that should be going back to the customer. The ideal insurance company from the perspective of the customer is one which has zero employees, zero rent, and zero stockholders. All premiums go right back to the customers.
From the perspective of the Stockholders the opposite is true. They want absolutely nothing to go back to the customers. In their ideal world everyone would be required to buy insurance and they never have to pay out.
Thus the CEO's job is to maximize taking money from the customers that would otherwise be spent on keeping said customers alive, thus killing them in part.
What is the ideal insurance company from the perspective of the customer? What is the ideal insurance company from the perspective of the stockholder?
What is the purpose of an insurance company from the perspective of the customer? What is the purpose of an insurance company from the perspective of a stockholder?
Also, how do you calculate the expected value of a bet?
It's easy to calculate.
Take the total paid into the company from insurance premiums, then subtract the amount paid out for claims. Divide that amount by the Value of Statistical Life, and you get the equivalent number of people killed by the insurance company.
Since the company has profits of $14.4 billion, then they have killed more than 1920 people equivalent. And that of course is a very conservative underestimate, since profits don't include non claims overhead such as wages and rent.
Shame, since a whole lot more of the Medical Industrial Complex C-Level and Board members need the Mangione Massage.
The ironic to unironic culture pipeline is undefeated. You laugh at something now, but in 20 years you will be the weird one for not doing that thing.
Looks like someone broke the GPT bot.
All five Poles I have had the misfortune of meeting in person have been utter piece of shit jews. All the Poles I have met online have also been utter pieces of shit, like supremeretard, who hopefully ate a Russian bullet.
Poles are scum, and jews.
All poles are jews anyways.
There is no secret jewish conspiracy to control your local governments. They openly do it.
So your solution is what, remove all women from fiction? Make them super ugly?
You're going full Imp. Never go full Imp.
If force is not used to oppose something then that something will continue. It is the first law.