"That's not how loss ratios work." That's literally my point. It's like you're just using phrases you've heard an adult say in an argument before without understanding their rhetorical function.

Just, because you have a literacy problem doesn't mean I or anyone else here besides you "doesn't understand ratios."

The fact that you aren't even capable of articulating what you think I'm getting wrong but are arguing it anyway just outs you as a barely literate trog trying to sound smarter on the internet than you could ever in your absolute wildest dreams hopw to actually be.