“…Marginal means and contrast analysis are mainly used in the natural sciences, e.g., in ecology and environmental science (Rivers et al, 2017;Quigley et al, 2018), in plant science (Byrne et al, 2017;Huzar-Novakowiski & Dorrance, 2018), in biological science (Colin et al, 2018;Singh et al, 2015;Zhao et al, 2019), in the human sciences, e.g., in medicine and sports medicine (Bae et al, 2017;Bergelt et al, 2020;Ennour-Idrissi et al, 2016), and in psychology (Olivera-La Rosa et al, 2020), but their application in actuarial science is rare. While some scientific articles use marginal means analysis, the application of contrast analysis is much less widespread, even though it is a relatively simple and effective statistical method for testing the differences between groups of means (Šoltés et al, 2019).…”