1. Department of Mathematics, Stockholm University, Stockholm, Sweden
2. Actuarial Function, Old Mutual Insure, Johannesburg, South Africa
3. Department of Statistics and Actuarial Science, University of the Witwatersrand, Johannesburg, South Africa
4. Bayes Business School (Formerly Cass), City, University of London, London, UK
5. RiskLab, Department of Mathematics, ETH Zurich, Zurich, Switzerland