Monte  Carlo I - Claims Fluctuations and Economic value of Stop-Loss
                  Work-Product  Described
                  This Work-Product provides the  following five measures:
                    
                              1. Statistically-determined  fluctuations for projected 
                                  claims without a specific  stop-loss limitation.
                    
                              2. Statistically-determined  fluctuations for projected
                                  claims with a specific stop-loss  limitation.
                    
                              3. Economic value of specific-only  stop-loss.
                    
                              4. Economic value of aggregate-only  stop-loss.
                    
                              5. Economic value of a variable  aggregate-only 
                                stop-loss.