A. It says estimated for Q4. B. Umm, sure--"software" will magically determine their exact liabilities, before adjusters complete their reviews; much less any

A. It says estimated for Q4. B. Umm, sure--"software" will magically determine their exact liabilities, before adjusters complete their reviews; much less any litigation that may occur. C. They've previously reported adverse loss development, making it more likely than not they under-reserve.