金融同投資
Loss Reserve Analysis
Perform a loss reserve analysis on P&C insurance loss development triangles. Use this skill whenever the user uploads loss triangles (paid or incurred), Schedule P data, or asks about reserve adequacy, reserve sufficiency, IBNR estimation, loss development analysis, loss reserve review, or ultimate loss projections. Also trigger when the user mentions chain ladder, Bornhuetter-Ferguson, Cape Cod, loss development factors, tail factors, or actuarial reserving methods. This skill reads triangles from Excel or CSV, runs multiple standard actuarial methods, diagnoses unusual patterns, and produces a formatted Excel report with exhibits. Even if the user just says 'check my reserves', 'run development on this triangle', or 'analyze my loss reserves', use this skill.