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There is no doubt that bayesian estimator is the most accurate estimator. Such systems, penalizing atfault accidents by premium surcharges and rewarding claimfree years by discounts, are called bonusmalus systems bms in europe and asia. This has recently become considered more seriously by corporations for employees or executives that fail to meet their objectives but are not necessarily dispensable. In call centers, a bonusmalus arrangement is a section in the contract between the company buying the call center services buyer and the company providing the call center services call center allowing for a payment to be made from one company to the other.

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