Issue No. 18 | August 4, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: The Lag Between Your Loss Ratio and Your Actual Book THE CURVE: 7.0% BLS data show motor vehicle maintenance and repair CPI up 7.0% year over year as of June 2026, the fastest pace of […]
Issue No. 17 | July 28, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: What Blended Persistency Hides From Reserve Work THE CURVE: 25% Per Dark Sky Data’s cohort-based retention modeling, at an 8% annual cancellation rate, a book of contracts turns over roughly a quarter of itself every […]
Issue No. 16 | July 21, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: What’s Driving Finance Company Reserve Decisions THE CURVE: $687.7 billion Federal Reserve G.19 data shows finance company nonrevolving consumer credit outstanding at $687.7 billion in May 2026, down from a 2024 peak of $721.1 billion. […]
Issue No. 15 | July 14, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: Repair Inflation vs. Your Reserve Assumptions THE CURVE: 49% BLS CPI data shows HVAC and refrigeration repair costs up approximately 49% since 2020, with appliance repair costs up roughly 33% over the same period, both […]
Issue No. 14 | July 7, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: Cohort-Level Cancel Risk THE CURVE: 7.52% Federal Reserve G.19 data shows the average new car 60-month loan rate at 7.52% as of February 2026, structurally higher than during the 2019-2021 period when many cancellation curve […]
Issue No. 13 | June 30, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: The Persistent Inflation Confirmation THE CURVE: +43.6% / +9.02% BLS motor vehicle repair CPI is up 43.6% since January 2019. In 2025 alone it rose 9.02%. Those are not projections. They are the cost environment […]
Issue No. 12 | June 23, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: Acquisition Quality Flows Downstream THE CURVE: 3–10x House lists in direct-to-consumer acquisition return 5–9% response rates. Prospect lists return 0.5–2.5%, according to the DMA Response Rate Report. That 3–10x efficiency difference reflects the gap in […]
Issue No. 11 | June 16, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: Your Agent Book Has A Distribution You Aren’t Seeing THE CURVE: 7 Seven lifecycle states. That is how the Dark Sky Data Retention Analysis Tool classifies every account in a dataset: Retained accounts are further classified […]
Issue No. 10 | June 9, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: The Unfunded Contract Exposure Outside Your Loss Development THE CURVE: $1.561 TRILLION The Federal Reserve G.19 release from May 7, 2026 puts motor vehicle loans outstanding at $1.561 trillion as of March 2026. DTC VSC […]
Issue No. 9 | June 2, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: What 69-Month Paper Does to Your Reserve Position THE CURVE: 69 Months The average used vehicle loan term extended from 64 months in 2018 to 69 months in 2025, according to Experian data cited in […]