The following notes are the result of an effort to consider the subject of extra risk from the point of view of the student dealing with the practical side of the case by showing how office practice endeavours to give effect to the actual conditions prevailing in particular cases.

A good many of the risks to be assessed require the assistance of the Medical Officer, especially where the degree and incidence of the extra mortality is concerned. I am of opinion, however, that the actual monetary assessment should be finally decided by the Actuary.

In this connection, there are one or two points which call for criticism and remarks.