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  "authorName": "Lemonade",
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  "presentationDate": "2020-06-01 00:00:00",
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  "notes": "Uses a stacked bar chart comparison to illustrate the difference between industry loss/expense ratios and Lemonade's flat fee model.",
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      "text": "1) Source: A.M. Best 2) Subject to change 3) Source: Lemonade stochastic model",
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      "text": "Stable: Collar of ±3% (95 years out of 100), with positive variance 2X negative variance",
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      "text": "Swings: 95% is 5-year average combined ratio, but 25 year median is 107%!",
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      "text": "Delight Consumers",
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