hs_provinces            Provinces and benefit tiers
panel_params            Parameters of the panel
portfolio_params        Parameters of the cross-sectional portfolio
set_levels              Set factor levels with the base profile first
simulate_panel          Simulate a multi-year health insurance panel
simulate_portfolio      Simulate a cross-sectional health insurance
                        portfolio
true_frequency          True expected frequency and severity
z_mean                  Moments of the claim-size multiplier
