Worked solutions for Lesson 1 — The submission. Each is the full running answer on the real Alpina MTPL XL numbers — every check green, every derived figure reconciling to the live submission nodes.
Read a solution only after you have tried the exercise. The habit this lesson builds — derive, don't trust — only forms when your own number disagreed with the pack first.
- 🟢 Read the tower — the one-line premium derivation and why the cheap thick layer nearly out-earns the thin expensive one.
- 🟡 The rate change — +4.00% and +6.25% under the broker's "circa +5%", and the reply to Cartwright Re.
- 🔴 Spot the gap — the pattern-match that keeps a missing loss ratio
null, exactly as the product's metrics scope does.