#risk level

[robtolley]

Surety Bond Underwriting: An Overview

Surety bond underwriting is a pre-approval evaluation – performed by the surety – of the bond performance requirements as determined by the obligee. This evaluation also assesses the current financial situation of the principal in order to weigh up the risk related to the performance criteria and the principal's ability to reimburse the surety in the event of a claim occurring.

What Are the Stages of the Surety Underwriting Process?

The process starts with the principal applying for a surety bond through a surety bond broker or surety company. Upon application, the principal provides information to the surety regarding their business and financial history. Once this is received the surety performs a more detailed evaluation of the information provided. The surety then provides the principal with a quote for a surety bond premium, based on the risk level determined by the underwriters.

The principal has three options at this point. They can accept the quote and buy the surety bond, shop around for another quote or work with the surety to find ways of making their premium more affordable

What Are the Three Cs of the Surety Underwriting Process?

The three Cs of surety underwriting are capital, capacity and character. Capital relates to the applicant’s capital position and the assessment of the financial health of the company or individual applying for surety credit. Many bonds require an underwriter to perform a financial analysis to assess net worth, capital and the company’s trajectory. The applicant’s capacity to undertake and perform the contract is a vital part of the underwriting process, too. To this end, underwriters collect questionnaires, check previous work references, review the applicant’s business operations, get to know their processes and meet with the applicant themselves.

Finally, character. While this element can be very difficult to underwrite, there are tools that can be deployed, such as credit checks, to get a better idea of whether the potential principal is likely – or otherwise - to honour the obligations set out in a bonded contract.

Underwriting a Riskier Surety Bond

Experts in the fields of surety, such as Rob Tolley, former London broker, know that there are various ways an underwriter can approve even a riskier bond by minimising the risk to the surety. For example, additional capital may be required to approve it; this could range from a small percentage of the bond amount up to 100%. This collateral minimises the surety’s risk, as if a bond claim occurs that cannot be indemnified the surety has something to cover – or at least reduce – their loss.

[poorly-drawn-mdzs]

I know those eyes.

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[paintedcrows]

Some Fords! (and Martin K Blackwood is also there)

[polyporethewicked]

My take on false son! (Very, very WIP)

I thought his design was insanely good conceptually, but missed a lot of potential in the personality it could convey. I wanted to really get across how his body is a dilapidated statue.

[buttercupshands]

Halloween Siffrin!! A vampire one too!!

My mind started thinking about isat while listening to hi3 7.0 trailer and so this idea stuck until I was home

Timelapse under the cut

I was struggling to choose if I'll add music or not, but too tired to re-edit you get the music version, it's ISAT OST music by Studio Thumpy Puppy Floor 2 to be specific

[prolibytherium]

Would kill to read animal POV fiction that has the animal POV’s interaction with humans be like, semi realistic to the level of caution most predators take with large prey and/or competitors (including humans).

Like instead of the usual - “the human is such a weak, pathetic creature... so slow, no claws, blunt teeth… completely helpless without its 'Fire Sticks'. how is it the master of the earth?” type crap it’s like, the bear protagonist or whatever approaches some dude who spreads their arms and yells and the bear is like “FUUUUUUUUCK THAT THING JUST GOT HUGE. IT'S LARGE AND MAKING NOISES. HOLY FUCK.”

[n1ghteeea]

Movie Ghostbusters: deem Egon crazy after his suspicion about Gozer’s return, completely abandon and let him die alone

The Real Ghostbusters:

[dirtytransmasc]

the Sully kids' reaction to Jake saying Spider "knew everything" breaks my heart.

they knew him better than anyone else, better than their parents. they knew his love for Eywa, for Pandora, for The People, for the clan, for their family. they knew he would never tell the RDA anything... not willingly at least.

they knew they were leaving because Spider would be tortured for information, he'd be forced to reveal their home, their plans, their numbers, their weaknesses. their brother would be tortured and they were being forced to leave him behind.

they knew they were being forced to find a new home, without their brother, because their dad knew he would be tortured.

[tea-earl-grey]

i do really like modern trek for the most part but god i wish the aesthetics and fashion were less blatantly modern. give me fun patterns! sparkly fabrics! impractical architecture! eyeshadow! like sure it's camp and fun and visually interesting but it's also a sign of worldbuilding. if the characters are in a post-utopian society of course they're spending time on constantly reinventing impractical fashions. you can counter it with the supremely practical and simple styles from characters without the Federation post-utopian privilege. give us some alien fashions that illustrate cultural differences that don't look like they came off of a high end fashion catalogue.

(also this is about live action trek, don't worry lower decks and prodigy, you're doing great)

[cameoappearance]

When you route to most of the moons in the game, the autopilot just tells you to enjoy your flight, but sometimes -- and it seems to be consistent for each moon, not randomised like the company monster's lines -- it'll instead give you an ominous "Good luck."

Specifically, on Embrion, Titan, and Adamance.

[sleepyminty]

Burn team is so funni

Who would’ve thought that between an small olympic boxer champion and a gangster biker gang, it was the mentally unstable viennese opera singer that they should be wary of

[isagrimorie]

Criminal Minds Evolution 17x05 - Conspiracy vs Theory

Luke: You gave a secret message to Damien right in front of us. Rebecca: How? Luke: That little tap-tap-tapping he was doing on the desk as they were talking was Morse code.

[me-sploh-rada-imas]

no words for this just help [x]

[leafatlaw]

your tags ohh my godddddd. evbo ascended before he ever even ran for the first time. an entire caste of people forced to their feet and barely able to even shamble them every day to get their meager scraps. evbo lived like that for 5 years. maybe as he gets his iron boots, somewhere else another player spawns for the first time and falls down to the pro level. the first thing they do as a true member of parkour society? is sprint. evbo’s stomach pangs.

HOLY SHIT ANON you absolutely get it.

I don’t know how I forgot to mention it, but oh my god the hunger, the constant hunger that accompanies being a parkour noob. And because it is all they’ve ever known they think it’s normal. And wow like even in the videos Evbos delight at the cooked beef is heartbreaking. Especially because there is so much of it that they are just withholding from the other noobs. And and, did you know the first shot in the entire movie is Evbo looking at a furnace ? Why would they even have those in their house, just to mock them ??

But yeah, I think about how the raw food is ever just enough to get them to the next day. And to try and conserve that little hunger you have to do nothing, just wait in your house- for the next day. And in doing so the parkour noobs can’t even practice parkour without risking starving from it. The system is so stacked against them and they don’t even know it.

[squeakadeeks]

being a hobbyist artist and a professional in STEM is making me go utterly insane bc as an artist i have a visceral hatred of all things AI generated and it's so blatantly clear the danger it poses and cases where it already has been used to cause harm are extremely well known from day one but then you clock in to your job and a good chunk of your coworkers are like "yaaaay hooray yippee AI art i love it im going to use it to make figures for my upcoming paper yaaaay" and then i suffer an aneurysm and die

[martyrbat]

batman/superman #17

[ID: the variant cover for the above mentioned comic. In it, Batman and Superman are in the focus of the panel at a nuclear reactor—as several people are unconscious on the stairs in the far background. Superman has his legs outstretched with one of his knees bent as he props himself up against a wall and wipes his forehead with the back of his hand. He's looking at Batman with a small, relieved smile as Batman is grinning back at him. He's holding a pair of plyers in his hand and is leaning against a bomb that's in front of them—which they defuse when it only had one second left! END ID]