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Second, this study is the first to examine the impulse response functions of premiums to shocks in variables such as losses, interest rates, surplus and uncertainty variables using by-line data.
Additionally, customers can access By-Line Underwriting Experience and By-Line Pure Loss Experience Studies from Best's Insurance Expense Exhibit.
Rugby took the lead two minutes before half time as Seb Lake-Gaskin's cross from the by-line was deflected into his own net by Beaconsfield's Tom Gant.
It was more even in the second half but Porthmadog climaxed a good day two minutes from time after a fine run down the left by Owen took him to the by-line and he squared for Thomas to finish.
The Glassboys never recovered from that point and went a third goal down on the hour when Akins sprinted free down the right and cut in from the by-line, squaring the ball back to Simon Heslop, whose shot was blocked, but the ball came back for the unmarked Freeman to fire home with ease.
And Chesterfield deservedly increased their lead a minute after the interval when dangerman Davies shook off the attentions of Steve Elliott to get to the by-line and cleverly square the ball back for the oncoming Kieran Djilali, who smacked home from the edge of the box.
The full-back's shot from the by-line got a final touch off Myhill, for an own goal.
There is unlikely to be a hellfor-leather approach from the hosts but they do have the odd player, Steven Pienaar, for example, who can find his way to the by-line.
James Collins must have thought he was in control as he shadowed Berbatov to the by-line as the pair chased Anderson's pass.
A deft drag-back fed Liam Maguire on the left flank, Maguire raced clear to the by-line and cut the ball back across the box to the oncoming Walker who made no mistake from 14 yards to finish well in the top corner.
Bay were better in the second half and were level after 53 minutes when Scott Lycett put in a strong run on the left and cut in along the by-line before pulling the ball back for Hopley to fire past Woodley keeper Ben Connett.
Johnny Mullins pulled back a fine cross from the by-line and Rowe raced in to score.