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The concepts of actuarial fairness provide the background you need for this discussion. For your initial post, describe how the conflicts of actuarial fairness have affected you, or someone you know, personally. Also, explain the loss or benefit to each party involved in the conflict. Respond to two or more of your colleagues postings in any of the following ways: Build on something your peer said Explain why and how you see things differently. Ask a probing or clarifying question. Validate an idea with your own experience.