Editorial

• We Are All "Actuaries Of The Third Kind" Now
• Mary R. Hardy

Feature Articles

• 2003 Swiss Re Blood Pressure Study of Insured Lives
• C. Allen Pinkham, Brian Ivanovic, and Marianne E. Cumming

• On the Moments of the Time of Ruin with Applications to Phase-Type Claims
• Steve Drekic and Gordon E. Willmot

• Credibility Using Copulas
• Edward W. Frees and Ping Wang

• The Time Value of Ruin in a Sparre Andersen Model
• Hans U. Gerber and Elias S.W. Shiu
• Discussions
• Authors' Reply

• Lundberg-Type Bounds for the Joint Distribution of Surplus immediately before and at Ruin under the Sparre Andersen Model
• Andrew C.Y. Ng and Hailiang Yang
• Discussions

• Modeling Hidden Exposures in Claim Severity via the EM Algorithm
• Grzegorz A. Rempala and Richard A. Derrig

Paper From The Stochastic Modeling Symposium

• Variance of the CTE Estimator
• B. John Manistre and Geoffrey H. Hancock