Question 7 9.5 pts The law of large numbers says that: O With a very large number of data points, the expected value will increase. With a very large number of data points, the median will increase. With a very large number of data points, the standard deviation will decrease. O With a very large number of data points, actual losses will closely approximate expected losses, D Question 13 9.5 pts What is policyholder surplus? The difference between a carrier's assets and liabilities O Cash dividends paid back to shareholders by stock insurance companies The difference between a carrier's revenue and expenses O Premium dividends paid back to policyholders by mutual insurance companies