question: Among all the claims, which settlements have a claimed amount that is no more than the average? List the claim start date.
#1 return claims 
#2 return settlements of  #1 
#3 return claimed amounts of  #2 
#4 return average of  #3 
#5 return #1 where #3 is  at most #4 
#6 return claim start dates of  #5