IRt(UB+/-RS) Alternative

Here's an alternative I came up with to help me memorize this:

IRS BUDs (The IRS are our buddies?)

I =Indemnity Rate
R = ReInsurance load
S = Self-Sustainability load
B = Balance-back factor
U = Uncertainty load
Ds = Discount/Surcharge

If IRS is too American, we can use SIR BUDs - this is a little more Canadian and shows a bit of appreciation for 10/17.

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