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3. Rates are regulatory authority sets the rates.
4. Law are Rates must be approved before use.
10. Law are rates where Approval only required for specific conditions
11. Official permission granted by a regulator to operate.
12. – Protection of systems and data from digital attacks.
13. Law are Rates used immediately after filing; regulators can later order changes.

1. Law are Rates used first, then filed within a specific period.
2. – System by which a company is directed and controlled.
5. – The science of examining data to support decisions.
6. – Funds set aside to meet future obligations or losses.
7. Law are Range-based flexibility without prior approval.
8. – Extremely large datasets analyzed for patterns and insights.
9. Consumer _ _ _ _ _ _ _ _ _ _ is Safeguarding to defend customers from unfair practices.