1.0 per week in 2009.

Experience matters.  Now I know why from the following NYT article.

Better pattern recognition, significance recognition, and faster solutions.

I hope you kept some of your older underwriters on the payroll.

Adult Learning – Neuroscience – How to Train the Aging Brain – NYTimes.com

Recently, researchers have found even more positive news. The brain, as it traverses middle age, gets better at recognizing the central idea, the big picture. If kept in good shape, the brain can continue to build pathways that help its owner recognize patterns and, as a consequence, see significance and even solutions much faster than a young person can.