Calculations for policies with claims
CMydata <- data.frame(cbind(Claim$claim_nb, Claim$pol_duration,
Claim$pol_sit_duration, Claim$drv_age1, Claim$drv_age2,
Claim$vh_value, Claim$vh_age, Claim$vh_cyl, Claim$vh_speed,
Claim$vh_weight, Claim$vh_din))
```

```
CMean <- with(Claim, sapply(CMydata, mean, na.rm = TRUE))
CSD <- with(Claim, sapply(CMydata, sd, na.rm = TRUE))