But that wouldn't be under the heat of professional tournament conditions. I'm sure the tournament atmosphere was factored in their calculation. Locking someone in their basement on a home table with no outside pressure or distraction would be a complete differen't set of circumstances, which I am sure would increase the odds....Earl did this in a professional tournament stop with a million dollars hanging in the balance. The pressure of shooting that combination on the case 9 the length of the table that was a foot from the pocket, is something I doubt any pro could handle, but him.
Of course, no one is disputing that fact. The point has been made several times, however, that the insurance company made a realistic risk assessment before quoting an insurance premium based upon that risk, and that that risk was determined to be 7.8 million to 1 against anyone running 10 racks in a row.
Actuaries are rather anal retentive digit heads by default, and they ALWAYS base their estimates on actual numbers derived from existing data. How on earth would they ever come up with a "Tournament Pressure Factor" to compute this unknown without simply using some arbitrary number? Can anyone demonstrate a specific risk factor of, say, "5.689" as the established difficulty factor related to tournament play?
7.8 million to 1 is a very specific number and it was not pulled from thin air. Every factor that could in any way affect the outcome would have to have been given to the underwriters before the policy was issued. I can't see any actuarial service just guessing at any of these numbers. They must have been provided by the industry itself because I doubt they are to be found in any existing tables. So, what were the numbers fed to the underwriters, and how exactly we're they determined? It all sounds very fishy to me, and I'm sure that is part of the reason the insurance company refused to just hand over the dough without a fight.