wow… wow!
Thanks for taking the time to dig into this and share your results. I’ve only been cheerleading so far, but all the work you and @Calico have shared is really interesting 
Super cool to have Calico’s initial idea of linear increase show up in @guillaume_bs 's simulation.
I’m trying to come up with a simulation where there are 2 insurers and 2 groups of clients. Group A and B have the same average, but group B is much more variable. One insurer is aware of that, but the other is not. How bad is the unaware insurer going to get hurt? I’ll let this marinate for a bit