A Bayesian perspective can be exploited to combine point and uncertainty estimates derived from bifurcated models. For example, Verrall (2007) assumes the actuary selects volume-weighted average link ratios from the most recent five years but derives variation estimates that reflect information from all years, not just the most recent five. Verrall’s approach holds promise as actuaries become more comfortable with the Bayesian perspective, which can be useful for combining statistics and judgment but which requires “prior” distributions and sophisticated statistical software.