;Unless the DS is contacting all major insurers to threaten/buy them off to not publish any data such as this. Underwriting is really technical, the sales force can blame a whole host of items explaining a massive increase on the 'underwriters' without offering any specifics .

;Unless the DS is contacting all major insurers to threaten/buy them off to not publish any data such as this. Underwriting is really technical, the sales force can blame a whole host of items explaining a massive increase on the 'underwriters'.