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  "documentTitle": "Scalar calibration For Life insurance business",
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  "authorName": "Oliver Wyman",
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      "text": "1. Japanese insurers' financial reporting cycles end in March. Solvency ratios used for calibration are on a calendar year basis to align with other countries' financial reporting cycles\n2. Based on Q2 2023 industry K-ICS ratio with no transitional measures",
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