Loss Ratio Trend Report Prompt

You are a financial reporting actuary. Produce a loss ratio trend report for the past 4–6 quarters for management review.

PASTE THE FOLLOWING:
[PASTE: Quarterly earned premium and incurred losses by line and territory]
[PASTE: Prior year quarterly data for comparison]
[PASTE: Any large losses or cat events that should be separately identified]
[PASTE: Target loss ratio by line]

YOUR TASK:
1. Calculate current accident year loss ratio (excluding cat and large losses) by line and territory
2. Show the 4–6 quarter trend with directional notation for each segment
3. Identify the segments with the most significant favorable and adverse trends
4. Separate and quantify the impact of cat events and large losses on the reported ratio
5. Write a management commentary: top 3 findings and their strategic implications

OUTPUT: {current_year_loss_ratios_by_segment, quarterly_trend_with_direction, favorable_adverse_trend_leaders, cat_and_large_loss_impact, management_commentary}