I used to work in auto insurance pricing. The algorithms are relatively simple, but the filing is made as obfuscated as possible to fool the regulators, competi

I used to work in auto insurance pricing. The algorithms are relatively simple, but the filing is made as obfuscated as possible to fool the regulators, competitors, and the general public. There are no black box models or anything, it's usually just multiplicative factors, but good luck finding the factors and definitions.