<s>
In	O
credibility	O
theory	O
,	O
a	O
branch	O
of	O
study	O
in	O
actuarial	O
science	O
,	O
the	O
Bühlmann	B-General_Concept
model	I-General_Concept
is	O
a	O
random	B-General_Concept
effects	I-General_Concept
model	I-General_Concept
(	O
or	O
"	O
variance	B-General_Concept
components	I-General_Concept
model	I-General_Concept
"	O
or	O
hierarchical	B-General_Concept
linear	I-General_Concept
model	I-General_Concept
)	O
used	O
to	O
determine	O
the	O
appropriate	O
premium	O
for	O
a	O
group	O
of	O
insurance	O
contracts	O
.	O
</s>
<s>
The	O
Bühlmann	B-General_Concept
model	I-General_Concept
is	O
the	O
solution	O
for	O
the	O
problem	O
:	O
</s>
