The third measure is the cumulative number of claims processed by UBH, again
limited to claims on the original management data system. This would be the most
relevant experience measure if the development of management guidelines or
data-based monitoring tools were the factors driving learning. However, the
correlation with calendar year is 0.9, making it very difficult in such a small data
set to separate this effect from secular time trends with any precision. The current
rather than cumulative value of claims processed by UBH provides a measure of
the scale of operations and will be used to control for scale economies.