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  _  _      ___      _____      ___     _____    
 | \| ||   / _ \\   |__  //    / _ \\  |  __ \\  
 |  ' ||  / //\ \\    / //    | / \ || | |  \ || 
 | .  || |  ___  ||  / //__   | \_/ || | |__/ || 
 |_|\_|| |_||  |_|| /_____||   \___//  |_____//  
 `-` -`  `-`   `-`  `-----`    `---`    -----`

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發送短信 : METODE BOOTSTRAP DALAM CADANGAN KLAIM IBNR (Incurred But Not Reported) BOOTSTRAP METHOD IN IBNR CLAIM RESERVES