Abstract: Auto insurance customers can be transitioned from an initial rating algorithm A to a subsequent algorithm B by phasing in the transition over a period of several years. The premium charged during the transition period is equal to the premium calculated under the rating algorithm B minus a premium adjustment. The premium adjustment is given by the difference between the premium according to algorithm B minus the legacy premium from algorithm A, said difference being multiplied by a rating transition factor. The rating transition factor may be a linearly decreasing function which has a value of 1 just before the transition period and a value of zero at the end of the transition period. The transition period may be in the range of 3 to 8 years long.

Abstract: A survey apparatus which can be used in the underground mining industry comprises a mounting means (11) adapted to be mounted in a fixed surface (such as a tunnel wall) and an alignement means (130, 101) to releasably engage with the mounting means (11), wherein the alignement means (130, 101) is capable of operating only when the alignement means (130, 101) is engaged with the mounting means (11). The mounting means (11) is preferably a sleeve member (11) insertable in a wall. The alignement means (130, 101) preferably has a laser module (102) and a suitable compartment for accomodating a battery (151). The mounting means (11), which is a set aligned in the fixed surface, together with the factory-set alignement means (130, 101) is used for the purpose of setting out and alignements. When the cylindrical shaft (133) is inserted into the sleeve member (11), a rod (170), permanently in contact with spring (154) presses against the screw (158) and makes an electrical connection.