;LEXMWXLI*VMGXMSR+ET 36$GYLVRU\SHUIRUPHGDQDQDO\VLVRIWKH 3URSHUW\&DVXDOW\FRPSDQLHVLQWKH86WR LGHQWLI\VRPHRIWKHGLIIHUHQFHVEHWZHHQ RYHUSHUIRUPLQJYVXQGHUSHUIRUPLQJLQVXUHUV DQGWKHLPSDFW³)ULFWLRQ´KDVRQUHVXOWV)URP WKLVZH¶UHDEOHWRGUDZVRPHFRQFOXVLRQVDQG DSSURDFKHVZKHQZRUNLQJZLWKGLIIHUHQW LQVXUHUV8VLQJWKH)ULFWLRQ*DSDQDO\VLVLWLV SRVVLEOHWRPHDVXUHRQHLQVXUHUDJDLQVWWKHLU SHHUV )ULFWLRQDIIHFWVDOOLQVXUHUVDJHQWVEURNHUV DQGUHLQVXUHUVEXW3URSHUW\&DVXDOW\LQVXUHUV DUHXQLTXHLQWKHLUXVHRIWKH&RPELQHG5DWLR PDNLQJLWHDV\WRTXDQWLI\UHVXOWV
