Data

Over the last decade a number of free / open source database environments such as PostgreSQL and MySQL have emerged to challenge the traditional players like Microsoft SQL Server and Oracle.  Like PostgreSQL and MySQL, SQLite has found favour with lone developers using limited data sets or developing lightweight applications.  Even users of SQL Server Express Edition have moved to SQLite, where compatibility with the full edition of SQL Server isn’t a significant requirement.

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The U.S. insurance industry is undergoing a major shift in how it calculates statutory reserves for fixed annuity products. Leading this transformation is VM-22, a new reserving standard that officially became mandatory in 2025 for many non-variable annuities. With its adoption, insurers are moving away from traditional formula-based methods and embracing a more nuanced, principle-based approach—one that better reflects the complexity and risks of modern annuity products.

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