During a "hard" insurance market, a manufacturing ucompany decided to self-insure its workers compensa- Ition loss exposure. The company hired a third party to administer the workers compensation claims. Even though the risk was being self-insured, the risk man- ager insisted that the third-party administrator main- tain meticulous records. When asked why such detailed records were necessary, the risk manager replied, "So we have a good story to tell an insurance company next year." What did the risk manager mean