Adjuster John sets reserves by totaling up all hospital bills, multiplying them by three, and then adding bills for x$-$rays for a "medical total." He takes lost wages, multiplies them by two, and then adds them to the medical total. He then reduces this combined figure by $10$ percent if there are contributory negligence or assumption of risk defenses available. John$$s approach is an example of which one of the following reserving methods?

Available answer options

Select only one option

A

Formula method

B

Multiples method

C

Averages method

D

Individual case method