Join me as I interview Ralph Clayton who took the most unusual route into insurance of any of our guests so far... He choose a career in insurance at the outset. Ralph is a true expert on pricing and data science. Discover Ralph's journey from starting in insurance pricing to embracing cutting-edge techniques in data science and cloud computing. He shares invaluable insights on how modern tools like machine learning, Databricks, and cloud services can revolutionize pricing strategies, enhance efficiency, and can lead to significant cost savings. In this detailed discussion, Ralph explains: * Why the traditional actuarial route was not for him because of too much theory and not enough practical value. * The advantages of using serverless computing with AWS Lambda for scalable, cost-effective solutions. * Implementing a modern pricing architecture using Databricks, focusing on automation and efficient data practices. Ideal for insurance pricing directors and professionals, this episode provides a roadmap to adopting sophisticated analytics and programming approaches in the insurance industry. Learn how integrating these technologies can help manage revenue, margins, and volumes effectively, all while navigating the complexities of anti-selection and moral hazards.  Tune in to gain a competitive edge in general insurance pricing and lead your team towards more innovative and profitable practices.