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  _____    __   __    _____    _    _     _____   
 /  ___||  \ \\/ //  / ____|| | || | ||  /  ___|| 
| // __     \ ` //  / //---`' | || | || | // __   
| \\_\ ||    | ||   \ \\___   | \\_/ || | \\_\ || 
 \____//     |_||    \_____||  \____//   \____//  
  `---`      `-`'     `----`    `---`     `---`

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Text this: Actuarial independence and managerial discretion