Fall 2013 # 9 and Spring 2014 # 1 (credibility question)

How come in calculating the expected claims,



Fall 2013 calculates corresponding expected claims as the (blended ratio*number of claims)/industry ratio





while spring 2014 calculates expected claims as just the blended ratio*claims?



Is it because fall 2013 is actual claims and spring 2014 is expected?

Fall 2013 # 9 and Spring 2014 # 1 (credibility question)