Why did I not include the 4/1/19 to 4/1/2020 policy? Why is it 25% when your fraction shows 50%? Why are you using 2019 policies? My corresponding answers were: I considered the start of the pandemic 04/01/2020. The Workers Comp claims pandemic data should start there. The policies that covered 04/01/2019 – 04/01/2020 would not cover any pandemic dates. I could have used 04/02/2019 or 04/03/2019, etc. but the chart would have been massive. The chart could have been continued through today, but the numbers reported to the rating bureau (right column) have not been reported after 04/01/202...