Spring 2019 #2c

The examiner's report stated that the list below are variations of the unique response: Buyers are sophisticated

  • Small limited data
  • Highly individualized risk
  • Regulators do not have the expertise
  • Innovation of coverage

However, based on the wiki example (e.g., ocean marine), it seems that “highly individualized risk” and “sophisticated buyers” are treated as two distinct responses. Is there a general consensus on whether these should be considered separate points?

Comments

  • I need to know where in the wiki you see the two presented as distinct to be able to comment.

  • Ok. It seems the examiner tried to fashion a tiered response, based on the answers they received. I don't find their four examples to be representative of buyer sophistication.

    Despite what they say about the tiers, I think they would accept an answer that consisted of "sophisticated buyer" or "individualized risk", along with "line of business is optional".

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