You have compared the coefficients of variation between like departments in the same large manufacturer. My department’s coefficient of variation is 1.45 and this compares to three other departments that are 1.21, .95, and 1.08 respectively. You suggest that it will be more difficult to forecast my workers compensation losses than these other departments. I complain that my actual dollar losses were less than each of these other departments so how could this be possible. Explain to me the reason why it is more difficult to predict the workers compensation losses in my department.