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past claim amounts for men and Women policy holders are summarized as Men to fal claims amounts policy policy 2 policy 3 ( loop's ) number of laine 250 800 5 Women total claims amounts 2500 30 00 ( looo's ) # of Claims 10 15 Determine the empirical Bays nonparametric credibility ( factor) for use in estimating the total of the four claims of men covered by policy 4