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Interviewers ask this kind of question to surface how you think, not what you remember. The strongest answers are specific, calmly told, and end on what changed.

Policy analysis · Intended vs unintended effects

Your carrier proposes to stop writing new homeowners policies in wildfire-prone ZIP codes while continuing to renew existing customers. Walk me through the likely effects, intended and otherwise.

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The intended effect is capping catastrophe accumulation: new-business restrictions stop the concentration from growing while avoiding the regulatory and political pain of nonrenewals.…

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