Rate Regulation and the Casualty Actuary [Discussion]

In the course of his paper, Mr. Carlson has taken care to explain that his own experience and background might tend to produce some particular emphasis of viewpoint in his treatment of his subject. "At the same time" he writes "I have striven for an impartial understanding of the problems of all parties". And in this he has succeeded admirably, in a paper of great scope, presented in a manner to excite interest and to provoke thought. When I venture to raise an issue it is not because of Mr. Carlson's failure to recognize problems and to deal with them impartially. It is rather because of what he calls "a fundamental split in social philosophy". Perhaps a few sentences will help to explain what raises the issue.