environment there are risks involved in relying on home grown products. This is especially true when one considers that most APL programmers in the P&C industry were not recruited specifically to work as programmers. Rather they were recruited to work as actuaries. Given that this is the case, it is very unlikely that we will, for example, encounter a scene wherein a supervisor is saying to a bright recent math graduate who is making rapid progress through the actuarial exams and who received rave reviews for a recent presentation he made to the Marketing Committee, No, no, no dummy! Writing a utility that way violates department standards. Human capital in an actuarial department has a multiplicity of uses, and programming must compete with these other uses. The applications packages included with SAS are of a very high quality. The SAS Institute has evidently put a lot of work into them. High quality commercially marketed applications packages written in APL are few and far between. Probably this is because of the limited base of potential customers for such products. One way to address this situation would be for organizations using APL to professionalize part of the APL programming
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