@Before
 public void setUp() {
   ClaimTriangle incurred = TestData.getCummulatedTriangle(TestData.INCURRED);
   ClaimTriangle paid = TestData.getCummulatedTriangle(TestData.PAID);
   ratios = new DefaultRatioTriangle(incurred, paid);
   crm = new ClaimRatioCalculator(ratios);
 }
 @Before
 public void setUp() {
   ClaimTriangle cik = TestData.getCummulatedTriangle(TestData.MACK_DATA);
   LinkRatio lrs = new SimpleLinkRatio(cik);
   LinkRatioScale scales = new SimpleLinkRatioScale(lrs);
   ses = new DefaultLinkRatioSESelection(new LinkRatioSECalculator(scales));
 }