British Actuarial Journal (BAJ) is published three times a year by Cambridge University Press for the Institute and Faculty of Actuaries. The journal contains the papers presented to the sessional research programme of the Institute and Faculty of Actuaries along with transcripts of the discussions and debates. The BAJ also welcomes contributed papers from outside the sessional programme. For information on presenting or submitting a paper see the preparing your materials page and contact the IFoA directly via journals@actuaries.org.uk.