Combined ratio is the sum of an insurance company's loss ratio and expense ratio and is used as an indicator of profitability. A ratio above 100 means that for every premium dollar taken in, more than a dollar went for losses, expenses, and commissions. A figure below 100 indicates an underwriting profit..The question is about the definition of superhero, less so about Batman. But, since "superhero" implies a gift or power that is impossible for others to attain, then Batman might as well be that. The only way he became Batman was because he was born into billions, had the means to develop his image and technology, and the free time to train.

Unger has made one NFL pro bowl (2012) in his career.Chung played arguably the biggest role in his four seasons with the Ducks than any other player on this list. He considered leaving school a season early, but ultimately decided to return for one final season with the Ducks. Over his four years, he totaled a remarkable 370