6. (10 points) An insurance company writes annual policies. The history of law and coverage changes affecting benefit levels is as follows: Effective Date February 15, 2014 October 1, 2014 Direct Impact of Benefit Change +6.5% +4.3% Question: Calculate the direct benefit change loss adjustment factor for fourth accident quarter 2014, assuming both changes only affect losses on policies written on or after the effective date of the change. 6. (10 points) An insurance company writes annual policies. The history of law and coverage changes affecting benefit levels is as follows: Effective Date February 15, 2014 October 1, 2014 Direct Impact of Benefit Change +6.5% +4.3% Question: Calculate the direct benefit change loss adjustment factor for fourth accident quarter 2014, assuming both changes only affect losses on policies written on or after the effective date of the change