Reserving assumptions are realistic, transparent and informed by history. Baseline: assumptions documented and justified against historical experience, not solely pricing or planning; validation where not derived from own data; justified deviations from experience; emerging risks considered with allowance based on market information, exposures and internal work. Higher levels add benchmarking, sensitivity testing and materiality ranking, scheduled deep dives, cross-functional working parties on emerging risks and allowances for events not in data.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.