Description: This paper deals with how the credibility levels change based on this lack knowledge. Group insuraace models are used, bill some of tile techniques could apply to any insurance risk.

Description: This paper shows how discrete multivariate analysis or multidimensional contingency table methods may be applied to data arising in actuarial work. A brief introduction to the theory is followed by two detailed examples of its application. Finally, the concluding remarks indicate how the procedure could be incorporated into a complete rate-making procedure. This work was performed for the U.S. Department of Housing and Urban Development.