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> I could probably pass the highest level actuarial exams at this point

You must be an exceptional intellect, then. Actuaries famously devote thousands of hours and years of their lives to passing the exams.

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It is complete nonsense and indicates to me the OP doesn't really understand the field as well as they think. As someone who has gone through all the exams, the upper-level exams test aspects of the industry in incredible depth and is more about regulatory requirements than any specific model. OP may have a decent understanding of reserve models, cat models, or financial forecasting, but those are not a core part of upper level exams (although you would certainly be expected to know it).

I spent hundreds of hours memorizing flashcards on US healthcare regulations as well as some things about the Canadian healthcare system. By far the worst years of my life.

Sorry, I didn't mean to make it seem like that, you guys do go through a ton of hard work and effort to earn those credentials. It was perhaps too liberal a hyperbole..

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