lass="va">nclaims</span> <span class="op">~</span> <span class="va">bm</span> <span class="op">+</span> <span class="va">zip</span>, offset <span class="op">=</span> <span class="fu"><a href="https://rdrr.io/r/base/Log.html" class="external-link">log</a></span><span class="op">(</span><span class="va">exposure</span><span class="op">)</span>, family <span class="op">=</span> <span class="fu"><a href="https://rdrr.io/r/stats/family.html" class="external-link">poisson</a></span><span class="op">(</span><span 