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[null,"Y/N Indicator",null,"Line Type",null,"General Line (Page 1)",null,"Variance #","Variance Request (Page 7, Page 11)",null,null,"Filing Type and Checklist (Page 3)",null,null,null,null,null,null,null,null,null,"Formula",null,null,"Model Disclosure"]
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[null,"Y",null,"Commercial",null,null,null,"1A","CCR §2644.27(f)(1)(A): Relief from the efficiency standard for bona fide loss-prevention and loss reduction activities (Allocated cost for SIU.)",null,null,"Checklist Item",null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"N",null,"Personal",null,"Aircraft",null,"1B","CCR §2644.27(f)(1)(B): Relief from the efficiency standard for bona fide loss-prevention and loss reduction activities (Expense for loss prevention programs.)",null,null,"Prior Approval Rate Application","Row Ref on Page 3",null,null,null,null,null,null,"PDF","Excel",null,null,null,1]
[null,"n/a",null,null,null,"Allied Lines",null,"2A","CCR §2644.27(f)(2)(A): Relief from the efficiency standard due to higher quality of service, as demonstrated by objective measures of consumer satisfaction.",null,null,"General Information, Page 1",20,1,null,null,null,"",null,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N8:S8)","v":0},{"$f":"IF(V8=0,\"A\"&$M8&\",\",\"\")","v":"A20,"},null,2]
[null,null,null,null,null,"Allied Lines & Other Liability",null,"2B","CCR §2644.27(f)(2)(B): Relief from the efficiency standard due to demonstrated superior service to underserved communities (refer to CCR §2646.6).",null,null,"Insurer Group Information, Page 2",21,"",null,null,null,"",null,1,1,{"$f":"IF('1.General'!$K$24=1,1,0)","v":0},"A21,",null,3]
[null,null,null,null,null,"Auto Liability and Physical Damage",null,"2C","CCR §2644.27(f)(2)(C): Relief from the efficiency standard due to significantly smaller or larger than average California policy premium, including any applicable fees.",null,null,"Filing Type and Filing Checklist, Page 3",22,1,null,null,null,"",null,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N10:S10)","v":0},"A22,",null,4]
[null,null,null,null,null,"Boiler & Machinery",null,"3","CCR §2644.27(f)(3): Adjustment to leverage factor determined pursuant to CCR §2644.17 on the basis that the insurer either writes at least 90% of its direct earned premium in one line or writes at least 90% of its direct earned premium in California, and its mix of business presents investment risks different from the risks that are typical of the line as a whole.",null,null,"Proposed Impact, Page 4",23,"",1,null,null,1,1,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N11:S11)","v":0},"A23,",null,5]
[null,null,null,null,null,"Burglary & Theft",null,"4","CCR §2644.27(f)(4): Relief from operation of the efficiency standard for a line of insurance in which the insurer has never written over $1 million in earned premium annually and the insurer is making a substantial investment in order to enter the market.",null,null,"Reconciliation of Direct Earned Premium to Statutory Data, Page 5",24,"",1,null,null,null,1,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N12:S12)","v":0},"A24,",null,6]
[null,null,null,null,null,"Earthquake",null,"5","CCR §2644.27(f)(5): The minimum permitted earned premium should be lower on the basis of the insurer's certification that the rate will not cause the insurer's financial condition to present an undue risk to its solvency.",null,null,"Program Detail, Page 6",25,"",1,null,null,"",1,1,1,0,"A25,",null,7]
[null,null,null,null,null,"Farmowners",null,"6","CCR §2644.27(f)(6): The insurer's financial condition is such that its maximum permitted earned premium should be increased in order to protect solvency.",null,null,"Additional Calendar Year Data Required by Statute, Page 7",26,"",1,null,null,"",1,1,1,0,"A26,",null,8]
[null,null,null,null,null,"Fidelity",null,"7A","CCR §2644.27(f)(7)(A): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there is not enough data to be credible.",null,null,"Miscellaneous Fees and Other Charges, Page 8",27,"",1,null,null,1,1,1,1,0,"A27,",null,9]
[null,null,null,null,null,"Fire",null,"7B","CCR §2644.27(f)(7)(B): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there are not enough years of data to fully calculate the development to ultimate.",null,null,"Forms, Page 9",28,"",null,1,null,1,null,1,1,0,"A28,",null,10]
[null,null,null,null,null,"Fire & Allied Lines",null,"7C","CCR §2644.27(f)(7)(C): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there are changes in the insurer's reserving or claims closing practices that significantly affect the data.",null,null,"Rules and Underwriting Guidelines, Page 10",29,"",null,null,1,"",null,1,1,0,"A29,"]
[null,null,null,null,null,"Fire, Allied Lines & Other Liability",null,"7D","CCR §2644.27(f)(7)(D): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there are changes in coverage or other policy terms that significantly affect the data.",null,null,"Variance Request, Page 11",30,"",null,null,null,"",null,1,1,{"$f":"IF('1.General'!$K$14=1,1,0)","v":0},"A30,"]
[null,null,null,null,null,"Fire & Other Liability",null,"7E","CCR §2644.27(f)(7)(E): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there are changes in the law that significantly affect the data.",null,null,"Model Disclosure(s), Page 12",31,null,null,null,null,null,null,1,1,{"$f":"IF(Y5>0,1,0)","v":0},"A31,"]
[null,null,null,null,null,"Flood",null,"7F","CCR §2644.27(f)(7)(F): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there is a significant increase or decrease in the amount of business written or significant changes in the mix of business.",null,null,"Model Checklist",32,null,null,null,null,null,null,1,null,{"$f":"IF(Y5>0,1,0)","v":0},"A32,"]
[null,null,null,null,null,"Homeowners Multiple Peril",null,"8A","CCR §2644.27(f)(8)(A): The trend formula in CCR §2644.7 does not produce the most actuarially sound result because there is a significant increase/decrease in the amount of business written or changes in the mix of business.",null,null,"Questionnaire for Homeowners or Residential Property",33,null,1,null,1,1,1,1,null,{"$f":"IF(AND($D$5=2,SUMPRODUCT(N$5:S$5,N21:S21)>=1,OR($F$5=12,$F$5=13,$F$5=14,$F$5=15,$F$5=17)),1,0)","v":0},"A33,"]
[null,null,null,null,null,"Inland Marine",null,"8B","CCR §2644.27(f)(8)(B): The trend formula in CCR §2644.7 does not produce the most actuarially sound result because there are not enough years of data to calculate the trend factor.",null,null,"Affidavit",34,1,null,null,null,null,null,1,null,{"$f":"SUMPRODUCT(N$5:S$5,N22:S22)","v":0},"A34,"]
[null,null,null,null,null,"Medical Malpractice",null,"8C","CCR §2644.27(f)(8)(C): The trend formula in CCR §2644.7 does not produce the most actuarially sound result because there is a significant change in the law affecting frequency or severity of claims.",null,null,"Supporting Exhibits",35,"",null,null,null,"",null,null,null,null,"A35,"]
[null,null,null,null,null,"Multiple Peril",null,"8D","CCR §2644.27(f)(8)(D): The trend formula in CCR §2644.7 does not produce the most actuarially sound result because it can be shown that a trend calculated over a period of at least 4 quarters other than a period permitted pursuant to CCR §2644.7(b) is more reliable prospectively.",null,null,"Exhibit 1  - Filing History",36,"",1,1,1,"",1,1,null,{"$f":"SUMPRODUCT(N$5:S$5,N24:S24)","v":0},"A36,"]
[null,null,null,null,null,"Other Liability",null,"8E","CCR §2644.27(f)(8)(E): The trend formula in CCR §2644.7 does not produce the most actuarially sound result because there are changes in the insurer's claims closing practices that significantly affect the data.",null,null,"Exhibit 2  - Rate Level History",37,"",1,null,null,"",1,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N25:S25)","v":0},"A37,"]
[null,null,null,null,null,"Products Liability",null,"8F","CCR §2644.27(f)(8)(F): The trend formula in CCR §2644.7 does not produce the most actuarially sound result because there are changes in coverage or other policy terms that significantly affect the data.",null,null,"Exhibit 3  - Policy Term Distribution",38,"",1,null,null,"",1,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N26:S26)","v":0},"A38,"]
[null,null,null,null,null,"Products Liability & Other Liability",null,"9","CCR §2644.27(f)(9): The maximum permitted earned premium would be confiscatory if applied.",null,null,"Exhibit 4  - Premium Adjustment Factor",39,"",1,null,null,"",1,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N27:S27)","v":0},"A39,"]
[null,null,null,null,null,"Surety",null,"n/a",{"$f":"\"\"","v":""},null,null,"Exhibit 5  - Premium Trend Factor",40,"",1,null,null,"",1,1,1,0,"A40,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 6  - Miscellaneous Fees and Other Charges",41,"",1,null,null,"",1,1,1,0,"A41,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 7  - Loss and Defense & Cost Containment Expense (DCCE) Development Factors",42,"",1,null,null,"",1,1,1,0,"A42,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 8 - Loss and DCCE Trend",43,"",1,null,null,"",1,1,1,0,"A43,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 9 - Catastrophe Adjustment",44,"",1,null,null,"",1,1,1,0,"A44,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 10 - Credibility Adjustment",45,"",1,null,null,"",1,1,1,0,"A45,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 11 - Ancillary Income",46,"",1,null,null,"",1,1,1,0,"A46,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 12 - Reinsurance Premium and Recoverables",47,"",1,null,null,1,1,1,1,0,"A47,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 13 - Variance Request",48,"",null,null,null,"",null,1,null,{"$f":"IF('1.General'!$K$14=1,1,0)","v":0},"A48,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 14 - Rate Distribution",49,"",1,null,null,"",1,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N37:S37)","v":0},"A49,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 15 - Rate Classification Relativities",50,"",1,null,null,"",1,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N38:S38)","v":0},"A50,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 16 - New Program",51,"",null,null,null,1,null,1,null,0,"A51,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 17 - Super Group Corporate Structure Verification (PPA only)",52,"",null,null,null,"",null,1,null,{"$f":"IF(AND($D$5=2,$F$5=5,'1.General'!$K$39=2),1,0)","v":0},"A52,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 18 - Rules and Underwriting Guidelines",53,"",1,null,1,"",1,1,null,{"$f":"SUMPRODUCT(N$5:S$5,N41:S41)","v":0},"A53,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 19 - Supplemental Information",54,1,null,null,null,"",null,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N42:S42)","v":0},"A54,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 20 - Customer Dislocation",55,null,1,null,null,"",1,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N43:S43)","v":0},"A55,"]
[null,null,null,null,null,null,null,null,null,null,null,"Exhibit 21 - Insurer's Ratemaking Calculations for Specialty Filings",56,"",null,null,null,"",null,1,1,{"$f":"IF('1.General'!$K$26=1,1,0)","v":0},"A56,"]
[null,null,null,null,null,null,null,null,null,null,null,"Filing Memorandum",57,1,null,null,null,"",null,1,null,{"$f":"SUMPRODUCT(N$5:S$5,N45:S45)","v":0},"A57,"]
[null,null,null,null,null,null,null,null,null,null,null,"Prior Approval Rate Template",58,"",1,null,null,1,1,1,1,{"$f":"SUMPRODUCT(N$5:S$5,N46:S46)","v":0},"A58,"]
[null,null,null,null,null,null,null,null,null,null,null,"Standard Exhibits Template",59,"",1,null,null,"",1,1,1,0,"A59,"]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('3.Filing Type and Checklist'!E9=\"Y\",\"Complete Current, Marked-up and Proposed Underwriting Guidelines\",\"Complete Underwriting Guidelines\")","v":"Complete Underwriting Guidelines"},60,"",1,null,1,1,1,1,null,0,"A60,"]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('3.Filing Type and Checklist'!E6=\"Y\",\"Complete Current, Marked-up and Proposed Printed Rate and Rule Manual Pages\",\"Complete Printed Rate and Rule Manual Pages\")","v":"Complete Printed Rate and Rule Manual Pages"},61,null,1,null,1,1,1,1,null,0,{"$f":"IF(V49=0,\"A\"&$M49&\",\",\"\")","v":"A61,"}]
[null,null,null,null,null,null,null,null,null,null,null,"Forms1,2",62,"",null,1,null,1,null,1,null,0,"A62,"]
[null,null,null,null,null,null,null,null,null,null,null,"Copies of Reinsurance Agreements1",63,"",1,null,null,1,1,1,null,0,"A63,"]
[null,null,null,null,null,null,null,null,null,null,null,"1 See Prior Approval Rate Filing Instructions.",64,null,1,1,null,1,1,null,null,0,"A64,"]
[null,null,null,null,null,null,null,null,null,null,null,"2 Attach all independent forms and all advisory organization forms.",65,"",null,1,null,1,null,null,null,0,"A65,"]
[null,null,null,null,null,null,null,null,null,null,null,"Application Page 5 is only required for new programs that are based partly on a current or inactive program.",66,"",null,null,null,1,null,null,null,0,"A66,"]
[null,null,null,null,null,null,null,null,null,null,null,"All Private Passenger Automobile class plans must be filed separately from the Prior Approval Rate Applications.",67,"",null,null,null,"",null,null,null,{"$f":"IF(AND($D$5=2,$F$5=4),1,0)","v":0},"A67,"]

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[null,"Instructions for Completing the Prior Approval Rate Application"]
[]
[null,"Note:  For information on populating the application in its entirety, including the Prior Approval Rate Application, Prior Approval Rate Template and Standard Exhibits Template, refer to the complete Prior Approval Rate Filing Instructions posted in PDF format on the CDI website, below:"]
[null,"http://www.insurance.ca.gov/0250-insurers/0800-rate-filings/"]
[]
["1)","Enter general filing characteristics associated with this application as well as company-specific information on the \"1.General\" page.  Areas of insurer input are generally identified with blue font text and/or light blue outlined boxes.  If this filing contains group data, select the appropriate indicator on the \"1.General\" page. The \"2.Group\" page will automatically unhide to allow for the identification of each company to which this filing applies."]
["2)","Enter the type of filing to which this application applies.  Complete all exhibits and Prior Approval Rate Application pages required for the designated type of filing on the \"3.Filing Type and Checklist\" page, in addition to the Prior Approval Rate Template and Standard Exhibits Template, where applicable.  Refer to the Prior Approval Filing Instructions for more information."]
["3)","On the \"6.Program Detail\" page, provide premium, loss and DCCE information for the entire line of business as shown in your company's Annual Statement as well as for each separate program that comprises your company's line of business.  Programs with less than $25M in premium each can be combined into one entry.  The total of all programs must reconcile to the total Annual Statement line of business for each year provided.  Click the \"Add 5 Programs\" button if additional programs are required.  If filing to be submitted is a group filing, populate the page with group data."]
["4)","If this filing includes a variance request, select the appropriate indicator on the \"1.General\" page.  The \"11.Variance Request\" page will automatically unhide to allow for the identification and impact of each variance being requested.  Final decisions regarding variances will be made by the CDI and/or administrative hearing."]
[]
[null,{"$f":"Edition_Date","v":"2/21/2025 Edition"}]

{"sheet":"1.General","index":3,"n_rows":71,"n_cols":14,"rows_kept":71,"cut":false,"hidden":false,"merged":[[44,1,44,4],[50,2,50,4],[68,7,68,9],[68,0,68,1],[31,1,31,4],[33,1,33,4],[45,1,45,4],[56,1,56,4],[56,6,56,9],[42,7,42,8],[39,7,39,8],[68,3,68,5],[52,1,52,9],[54,1,54,9],[58,1,58,9],[60,1,60,9],[13,7,13,8],[15,7,15,8],[17,7,17,8],[19,7,19,8],[21,7,21,8],[40,7,40,8],[21,2,21,3],[36,2,36,3],[23,7,23,8],[25,7,25,8],[27,7,27,8],[31,7,31,8]]}
["State of California",null,null,"Company:",null,null,null,null,{"$f":"Co_Name","v":0},null,null,"Error Messages, if Any, Associated with General Information to the Left"]
["Department of Insurance (CDI)",null,null,"Line:",null,null,null,null,{"$f":"General_Line","v":0},null,null,"(DEPARTMENT USE ONLY)"]
[]
["PRIOR APPROVAL RATE APPLICATION FOR PROPERTY & LIABILITY LINES"]
["GENERAL INFORMATION"]
[]
["Completed by:",null,null,"Date:"]
[]
["Your File #:"]
[null,"(15 Character Maximum)"]
[]
["Filing Characteristics",null,null,null,null,null,"DEPARTMENT USE ONLY"]
[]
["Does this filing include a variance request?",null,null,null,{"$f":"IF(INDEX(List_YNIndicator,$K$14,1)=\"N\",\"(Page 11 hidden)\",\"\")","v":"(Page 11 hidden)"},null,"CDI File #:",null,null,null,2]
[]
["If yes,",null,null,null,null,null,"SERFF #:"]
[]
["Is this a variance request submitted after the prior",null,null,null,null,null,"Filed Date:"]
[]
["approval application to which it applies?",null,null,null,null,null,"Compliance Date:",null,null,null,3,{"$f":"IF(AND(INDEX(List_YNIndicator,$K$14,1)=\"Y\",INDEX(List_YNnaIndicator,$K$20,1)=\"n/a\"),\"← ERROR! Select 'Y' or 'N' from the pull-down menu in cell D20.\",\"\")","v":""}]
[]
["Provide the applicable CDI File #:",null,null,null,null,null,"Public Notice Date:"]
[]
["Is this a group filing? If yes, complete Page 2.",null,null,null,{"$f":"IF(INDEX(List_YNIndicator,$K$24,1)=\"N\",\"(Page 2 hidden)\",\"\")","v":"(Page 2 hidden)"},null,"Deemer Date:",{"$f":"IF(ISBLANK(H22),\" \",H22+60)","v":" "},null,null,2]
[]
["Is this a specialty filing as per CIC §2642.7?",null,null,null,null,null,"Intake Analyst:",null,null,null,2]
[]
["Line Type:",null,null,null,null,null,"Bureau/Senior:",{"$f":"BureauSenior","v":""},null,null,null,{"$f":"IF(References!D5=3,\"← ERROR! Select a Line Type from the pull-down menu.\",\nIF(AND(References!$D$5=1,References!$F$5=5),\"← WARNING! Commercial Auto Liability and Physical Damage must be combined\",\nIF(AND(References!$D$5=2,References!$F$5=5,K39=1),\"WARNING! Indicate whether CIC §1861.16(c) applies in cell D39.\",\"\")))","v":"← ERROR! Select a Line Type from the pull-down menu."}]
[]
["General Line :",null,null,null,null,null,"Group Filing?:",null,null,null,null,{"$f":"IF(INDEX(List_GeneralLine,References!$F$5,1)=\"\",\"← ERROR! Select a General Line from the pull-down menu.\",\nIF(AND(References!$D$5=1,References!$F$5=5),\"in one application, with separate Rate Calculation pages in the Prior Approval Rate\",\"\"))","v":"← ERROR! Select a General Line from the pull-down menu."},{"$f":"IF(K24=1,TRUE,FALSE)","v":false},{"$f":"IF(K24=2,TRUE,FALSE)","v":true}]
[]
["Subline:",null,null,null,null,null,"X-Reference #:",null,null,null,null,{"$f":"IF(AND(References!$D$5=1,References!$F$5=5),\"Template for liability and physical damage coverages.\",\"\")","v":""}]
[]
["Program:",null,null,null,null,null,"Filing Type:",null,null,null,null,null,{"$f":"IF(FilingType_Rate=TRUE,TRUE,FALSE)","v":false},{"$f":"IF(FilingType_Rule=TRUE,TRUE,FALSE)","v":false}]
[]
["Provide the most recent applicable CDI file # in this line,",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FilingType_Form=TRUE,TRUE,FALSE)","v":false},{"$f":"IF(K14=1,TRUE,FALSE)","v":false}]
["subline and/or program:",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(LEN(TRIM(C37))=0,FilingType_NewProgram=FALSE),\"← WARNING! If this filing is not a new program, provide the most recent applicable\",\"\")","v":"← WARNING! If this filing is not a new program, provide the most recent applicable"},{"$f":"IF(FilingType_NewProgram=TRUE,TRUE,FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FilingType_TransferredProgram=TRUE,TRUE,FALSE)","v":false}]
[{"$f":"IF(AND(References!D5=2,References!F5=5),\"Does CIC §1861.16(c) apply (Super Group)?\",\"\")","v":""},null,null,null,null,null,null,null,null,null,1,{"$f":"IF(AND(LEN(TRIM(C37))=0,FilingType_NewProgram=FALSE),\"CDI File # in this line, subline, and/or program. If there is not an applicable CDI file #,\",\"\")","v":"CDI File # in this line, subline, and/or program. If there is not an applicable CDI file #,"}]
[]
["Identify the number of models used in the development of this program.",null,null,null,null,null,"% Change:",{"$f":"IF(OR(FilingType_Rate=TRUE,'3.Filing Type and Checklist'!$E$10=\"Y\",'3.Filing Type and Checklist'!$E$7=\"Y\",'3.Filing Type and Checklist'!$E$12=\"Y\"),IF(ISNUMBER('4.Proposed Impact'!$D$22),'4.Proposed Impact'!$D$22,\"Error\"),\nIF(FilingType_NewProgram=TRUE,\"0.0%\",\nIF(OR(AND(FilingType_Rule=TRUE,'3.Filing Type and Checklist'!$E$10=\"N\"),AND(FilingType_Form=TRUE,'3.Filing Type and Checklist'!$E$12=\"N\")),\"*\",\"\")))","v":""},null,null,null,{"$f":"IF(AND(LEN(TRIM(C37))=0,FilingType_NewProgram=FALSE),\"explain why in your filing memorandum. If this filing is a new program, indicate this\",\"\")","v":"explain why in your filing memorandum. If this filing is a new program, indicate this"}]
[]
["Company Information",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(LEN(TRIM(C37))=0,FilingType_NewProgram=FALSE),\"in '3.Filing Type and Checklist'.\",\"\")","v":"in '3.Filing Type and Checklist'."}]
[]
["Company Name:"]
["Group Name:"]
[]
["NAIC Company Code:"]
["NAIC Group Code:"]
[]
["Organized under the laws of the State of:"]
[]
["Home Office:"]
[]
["Contact Name/Title:"]
[]
["Toll Free Phone #:",null,null,null,null,"Fax #:"]
[]
["Email Address:"]
[]
["Mailing Address:"]
[]
[]
[]
[]
[]
[]
[]
[]
["Refer to CDI website below for the most current rate template and prior approval factors:"]
["http://www.insurance.ca.gov/0250-insurers/0800-rate-filings/"]

{"sheet":"2.Group","index":4,"n_rows":103,"n_cols":6,"rows_kept":103,"cut":false,"hidden":true,"merged":[]}
["State of California",null,"Company:",null,null,{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,"Line:",null,null,{"$f":"General_Line","v":0}]
[]
["INSURER GROUP INFORMATION"]
[]
[null,null,null,null,null,2]
["Is the data from all companies listed below used in the support of this rate application? "]
["If no, please provide an explanation for the differences in the Filing Memorandum."]
[]
["List each insurance company included in the group to which this application applies."]
[]
[]
["Company Name:",{"$f":"IF(ISBLANK(Co_Name),\"\",Co_Name)","v":""},null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:",{"$f":"IF(ISBLANK('1.General'!B48),\"\",'1.General'!B48)","v":""}]
[{"$f":"IF(B13=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B13=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B19=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B19=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B25=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B25=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B31=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B31=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B37=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B37=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B43=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B43=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B49=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B49=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B55=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B55=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B61=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B61=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B67=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B67=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B73=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B73=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B79=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B79=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B85=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B85=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B91=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B91=\"\",\"\",\"1\")","v":""}]
[]
[]
["Company Name:",null,null,null,"CDI Filing #:"]
[null,null,null,null,null,"(Department Use Only)"]
["NAIC Company Code:"]
[{"$f":"IF(B97=\"\",\"\",\"Proposed Rate Impact:\")","v":""},null,{"$f":"IF(B97=\"\",\"\",\"1\")","v":""}]
[]
["1 The proposed impact for each individual company should be based on that company's premium distribution and will not necessarily equal "]
["      the total rate impact shown on Prior Approval Rate Application Page 4. "]

{"sheet":"3.Filing Type and Checklist","index":5,"n_rows":67,"n_cols":10,"rows_kept":67,"cut":false,"hidden":false,"merged":[]}
["State of California",null,null,"Company:",null,null,{"$f":"Co_Name","v":0},"Error Messages, if Any, Associated with Information to the Left"]
["Department of Insurance (CDI)",null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[]
["FILING TYPE",null,null,null,null,null,null,{"$f":"IF(COUNTIF(E6:E12,\"\")>=1,\"\",IF(COUNTIF(E6:E12,\"Y\")=0,\"ERROR! You must select yes to at least one filing type.\",\"\"))","v":"ERROR! You must select yes to at least one filing type."}]
["Complete the following questions in order to generate the filing checklist:"]
["1.    Is this a New Program filing?",null,null,null,"N",null,null,{"$f":"IF(E6=\"\",\"← ERROR! Please select a response.\",IF(E6=\"Y\",IF(OR(E7=\"Y\",E8=\"Y\",E9=\"Y\",E10=\"Y\",E11=\"Y\",E12=\"Y\"),\"← ERROR! A New Program Filing cannot be combined with a Rate, Rule, Form, or Transferred Program filing.\",\"\"),\"\"))","v":""}]
["2.    Is this a Transferred Program filing?",null,null,null,"N",null,null,{"$f":"IF(E7=\"\",\"← ERROR! Please select a response.\",IF(E7=\"Y\",IF(OR(E6=\"Y\",E8=\"Y\",E9=\"Y\",E10=\"Y\",E11=\"Y\",E12=\"Y\"),\"← ERROR! A Transferred Program Filing cannot be combined with a Rate, Rule, Form or New Program filing.\",\"\"),\"\"))","v":""}]
["3.    Is this a Rate filing?",null,null,null,"N",null,null,{"$f":"IF(E8=\"\",\"← ERROR! Please select a response.\",\"\")","v":""}]
["4.    Does this filing propose new Rule(s) or any changes to Rule(s)?",null,null,null,"N",null,null,{"$f":"IF(E9=\"\",\"← ERROR! Please select a response.\",\"\")","v":""}]
["4.a. Do the Rule change(s) have a rate impact?",null,null,null,"N",null,null,{"$f":"IF(E10=\"\",\"← ERROR! Please select a response.\",IF(E10=\"Y\",IF(E9=\"Y\",\"\",\"← ERROR! The response to question 3 indicates that this is not a Rule filing.\"),\"\"))","v":""}]
["5.    Does this filing propose new Form(s) or any changes to Form(s)?",null,null,null,"N",null,null,{"$f":"IF(E11=\"\",\"← ERROR! Please select a response.\",\"\")","v":""}]
["5.a. Do the Form change(s) have a rate impact?",null,null,null,"N",null,null,{"$f":"IF(E12=\"\",\"← ERROR! Please select a response.\",IF(E12=\"Y\",IF(E11=\"Y\",\"\",\"← ERROR! The response to question 4 indicates that this is not a Form filing.\"),\"\"))","v":""}]
["6.    Does this filing include a variance request? (as per '1.General')",null,null,null,{"$f":"IF('1.General'!$K$14=1,\"Y\",\"N\")","v":"N"},null,null,{"$f":"IF(E13=\"Y\",IF(OR(E6=\"Y\",E7=\"Y\",E8=\"Y\",E10=\"Y\",E12=\"Y\"),\"\",\"← ERROR! You cannot file for a variance unless this is a New Program filing, Transferred Program filing or a filing with rate impact.\"),\"\")","v":""}]
["Question 4: Rule change(s) include new rule(s) and changes to existing rule(s). "]
["Question 5: Form change(s) include new, withdrawn or replacement form(s). "]
["FILING CHECKLIST"]
["Use this checklist to indicate submission of ALL items listed in the format(s) required (either PDF, or Excel and PDF)."]
[{"$f":"IF(COUNTIF(H2:H15,\"\")=14,\"\",\"WARNING: This is not a valid filing type. Refer to the Prior Approval Rate Filing Instructions.\")","v":"WARNING: This is not a valid filing type. Refer to the Prior Approval Rate Filing Instructions."}]
["PDF","Excel","Prior Approval Rate Application"]
[null,null,"General Information, Page 1",null,null,null,null,null,false,false]
[null,null,"Insurer Group Information, Page 2"]
[null,null,"Filing Type and Checklist, Page 3",null,null,null,null,null,false,false]
[null,null,"Proposed Impact, Page 4",null,null,null,null,null,false,false]
[null,null,"Reconciliation of Direct Earned Premium to Statutory Data, Page 5",null,null,null,null,null,false,false]
[null,null,"Program Detail, Page 6",null,null,null,null,null,false,false]
[null,null,"Additional Calendar Year Data Required by Statute, Page 7",null,null,null,null,null,false,false]
[null,null,"Miscellaneous Fees and Other Charges, Page 8",null,null,null,null,null,false,false]
[null,null,"Forms, Page 9",null,null,null,null,null,false,false]
[null,null,"Rating Rules and Underwriting Guidelines, Page 10",null,null,null,null,null,false,false]
[null,null,"Variance Request, Page 11"]
[null,null,"Model Disclosure(s), Page 12"]
[null,null,"Model Checklist"]
[null,null,"Questionnaire for Homeowners or Residential Property"]
[null,null,"Affidavit",null,null,null,null,null,false]
[null,null,"Supporting Exhibits"]
[null,null,"Exhibit 1  - Filing History",null,null,null,null,null,false]
[null,null,"Exhibit 2  - Rate Level History",null,null,null,null,null,false,false]
[null,null,"Exhibit 3  - Policy Term Distribution",null,null,null,null,null,false,false]
[null,null,"Exhibit 4  - Premium Adjustment Factor",null,null,null,null,null,false,false]
[null,null,"Exhibit 5  - Premium Trend Factor",null,null,null,null,null,false,false]
[null,null,"Exhibit 6  - Miscellaneous Fees and Other Charges",null,null,null,null,null,false,false]
[null,null,"Exhibit 7  - Loss and Defense & Cost Containment Expense (DCCE) Development Factors",null,null,null,null,null,false,false]
[null,null,"Exhibit 8 - Loss and DCCE Trend",null,null,null,null,null,false,false]
[null,null,"Exhibit 9 - Catastrophe Adjustment",null,null,null,null,null,false,false]
[null,null,"Exhibit 10 - Credibility Adjustment",null,null,null,null,null,false,false]
[null,null,"Exhibit 11 - Ancillary Income",null,null,null,null,null,false,false]
[null,null,"Exhibit 12 - Reinsurance Premium and Recoverables1",null,null,null,null,null,false,false]
[null,null,"Exhibit 13 - Variance Request"]
[null,null,"Exhibit 14 - Rate Distribution",null,null,null,null,null,false,false]
[null,null,"Exhibit 15 - Rate Classification Relativities",null,null,null,null,null,false,false]
[null,null,"Exhibit 16 - New Program",null,null,null,null,null,false]
[null,null,"Exhibit 17 - Super Group Corporate Structure Verification (PPA only)"]
[null,null,"Exhibit 18 - Rating Rules and Underwriting Guidelines",null,null,null,null,null,false]
[null,null,"Exhibit 19 - Supplemental Information",null,null,null,null,null,false,false]
[null,null,"Exhibit 20 - Customer Dislocation",null,null,null,null,null,false,false]
[null,null,"Exhibit 21 - Insurer's Ratemaking Calculations for Specialty Filings"]
[null,null,"Filing Memorandum",null,null,null,null,null,false]
[null,null,"Prior Approval Rate Template",null,null,null,null,null,false,false]
[null,null,"Standard Exhibits Template",null,null,null,null,null,false,false]
[null,null,{"$f":"IF('3.Filing Type and Checklist'!E9=\"Y\",\"Complete Current, Marked-up and Proposed Underwriting Guidelines\",\"Complete Underwriting Guidelines\")","v":"Complete Underwriting Guidelines"},null,null,null,null,null,false]
[null,null,{"$f":"IF('3.Filing Type and Checklist'!E9=\"Y\",\"Complete Current, Marked-up and Proposed Printed Rate and Rule Manual Pages\",\"Complete Printed Rate and Rule Manual Pages\")","v":"Complete Printed Rate and Rule Manual Pages"},null,null,null,null,null,false]
[null,null,"Forms1,2",null,null,null,null,null,false]
[null,null,"Copies of Reinsurance Agreements1",null,null,null,null,null,false]
["1 See Prior Approval Rate Filing Instructions."]
["2 Attach all independent forms and all advisory organization forms."]
["Application Page 5 is only required for new programs that are based partly on a current or inactive program."]
["All Private Passenger Automobile class plans must be filed separately from the Prior Approval Rate Applications."]

{"sheet":"4.Proposed Impact","index":6,"n_rows":36,"n_cols":7,"rows_kept":36,"cut":false,"hidden":false,"merged":[]}
["State of California",null,null,"Company:",null,{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,null,"Line:",null,{"$f":"General_Line","v":0}]
[]
["IMPACT OF PROPOSED CHANGES"]
[]
[null,"Proposed Overall Rate Change:",null,{"$f":"$D$22","v":{"$error":"#DIV/0!"}}]
[]
[null,"Proposed Earned Premium Per Exposure:",null,null,null,null,{"$f":"IF(ISBLANK(D8),\"←ERROR! Enter the Proposed Earned Premium Per Exposure.\",\"\")","v":"←ERROR! Enter the Proposed Earned Premium Per Exposure."}]
[null,"Proposed Effective Date:",null,null,null,null,{"$f":"IF(ISBLANK(D9),\"←ERROR! Enter the Proposed Effective Date.\",\"\")","v":"←ERROR! Enter the Proposed Effective Date."}]
[]
[null,"Coverage/Form/Program1","Indicated % Change","Proposed % Change2","Adjusted Earned Premium3,4","Projected Earned Premium4"]
[-1,null,null,null,null,{"$f":"E12*(1+D12)","v":0},{"$f":"IF(AND(COUNTA(B12:E12)>=1,COUNTA(B12:E12)<=3),\"←ERROR! Fill out each cell in this row.\",\"\")","v":""}]
[-2,null,null,null,null,{"$f":"E13*(1+D13)","v":0},{"$f":"IF(AND(COUNTA(B13:E13)>=1,COUNTA(B13:E13)<=3),\"←ERROR! Fill out each cell in this row.\",\"\")","v":""}]
[-3,null,null,null,null,0,""]
[-4,null,null,null,null,0,""]
[-5,null,null,null,null,0,""]
[-6,null,null,null,null,0,""]
[-7,null,null,null,null,0,""]
[-8,null,null,null,null,0,""]
[-9,null,null,null,null,0,""]
[-10,null,null,null,null,0,""]
["Total",null,{"$f":"SUMPRODUCT(C$12:C$21,$E$12:$E$21)/$E$22","v":{"$error":"#DIV/0!"}},{"$f":"SUMPRODUCT(D$12:D$21,$E$12:$E$21)/$E$22","v":{"$error":"#DIV/0!"}},{"$f":"SUM($E$12:$E$21)","v":0},{"$f":"SUM($F$12:$F$21)","v":0}]
[]
["1  Every Coverage/Form/ Program listed on Prior Approval Template Page 1 should be listed on this page, and reflect the same order in "]
["       terms of Coverage/Form/Program. The figures on this page should reconcile to the Prior Approval Rate Template."]
["2  Commercial Auto Liability and Physical Damage must be combined in one application, with separate Rate Calculation pages in the Prior"]
[" Approval Rate Template for liability and physical damage coverages."]
[]
["3  If this filing contains group data, fill in the proposed impact for each individual company on Prior Approval Rate Application Page 2. The "]
[" total rate impact shown on this page will not necessarily be equal to any of the individual company premium impacts shown on Prior "]
[" Approval Rate Application Page 2."]
[]
["4  Adjusted earned premium is the historical earned premium for the most recent year adjusted to the current rate level and trended to the "]
["average earned date of the proposed rating period.  "]
[]
["5  Total earned premium must include all income derived from miscellaneous fees and other charges."]

{"sheet":"5.Reconciliation","index":7,"n_rows":29,"n_cols":7,"rows_kept":29,"cut":false,"hidden":false,"merged":[[23,0,23,5]]}
["State of California",null,"Company:",null,null,{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,"Line:",null,null,{"$f":"General_Line","v":0}]
[]
["RECONCILIATION OF DIRECT EARNED PREMIUM DATA"]
["Annual Statement Statutory Page 14 Calendar Year Data"]
[]
[null,"Coverage/Form/Program1","Latest CDI Filing #2","2nd Prior Calendar Year","1st Prior Calendar Year","Most Recent Calendar Year"]
[null,null,null,{"$f":"E8-1","v":{"$error":"#VALUE!"}},{"$f":"F8-1","v":{"$error":"#VALUE!"}},"YYYY"]
[-1]
[-2]
[-3]
[-4]
[-5]
[-6]
[-7]
[-8]
[-9]
[-10]
["Total",null,null,{"$f":"SUM(D$9:D$18)","v":0},{"$f":"SUM(E$9:E$18)","v":0},{"$f":"SUM(F$9:F$18)","v":0}]
["Statutory Page 14",null,null,null,null,null,{"$f":"IF(COUNTA(D20:F20)<3,\"←ERROR! Enter Statutory Page 14 Data.\",\" \")","v":"←ERROR! Enter Statutory Page 14 Data."}]
["Difference",null,null,{"$f":"D19-D20","v":0},{"$f":"E19-E20","v":0},0]
[]
["Explain any differences:"]
[null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(A24),OR(ROUND(D21,0)<>0,ROUND(E21,0)<>0,ROUND(F21,0)<>0)),\"← WARNING! Explain any differences.\",\"\")","v":""}]
[]
["1  This page requires insurers to itemize each coverage/form/program until all data is reconciled to the corresponding annual statement"]
["    line of insurance. Every Coverage/Form/ Program listed on Prior Approval Template Page 1 should be listed on this page along with "]
["    and any other coverages/forms/programs that roll up to the annual statement line of insurance, once aggregated."]
["2  For residual market data, a filing number is not required."]

{"sheet":"6.Program Detail","index":8,"n_rows":232,"n_cols":10,"rows_kept":232,"cut":false,"hidden":false,"merged":[[198,1,198,2],[205,1,205,2],[212,1,212,2],[219,1,219,2],[226,1,226,2],[163,1,163,2],[170,1,170,2],[177,1,177,2],[184,1,184,2],[191,1,191,2],[128,1,128,2],[135,1,135,2],[142,1,142,2],[149,1,149,2],[156,1,156,2],[93,1,93,2],[100,1,100,2],[107,1,107,2],[114,1,114,2],[121,1,121,2],[51,1,51,2],[23,1,23,2],[30,1,30,2],[37,1,37,2],[44,1,44,2],[58,1,58,2],[65,1,65,2],[72,1,72,2],[79,1,79,2],[86,1,86,2]]}
["State of California",null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[]
[null,{"$f":"CONCATENATE(\"ANNUAL STATEMENT LINE - \", J2,)","v":"ANNUAL STATEMENT LINE - 0"}]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
["(1)","YYYY",0,0,0,{"$f":"E6/$D6","v":{"$error":"#DIV/0!"}},0,{"$f":"G6/$D6","v":{"$error":"#DIV/0!"}},{"$f":"E6+G6","v":0},{"$f":"I6/$D6","v":{"$error":"#DIV/0!"}}]
["(2)",{"$f":"B6-1","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E7/$D7","v":{"$error":"#DIV/0!"}},0,{"$f":"G7/$D7","v":{"$error":"#DIV/0!"}},{"$f":"E7+G7","v":0},{"$f":"I7/$D7","v":{"$error":"#DIV/0!"}}]
["(3)",{"$f":"B7-1","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E8/$D8","v":{"$error":"#DIV/0!"}},0,{"$f":"G8/$D8","v":{"$error":"#DIV/0!"}},{"$f":"E8+G8","v":0},{"$f":"I8/$D8","v":{"$error":"#DIV/0!"}}]
["(4)","3 Yr Avg",{"$f":"AVERAGE(C6:C8)","v":0},{"$f":"AVERAGE(D6:D8)","v":0},{"$f":"AVERAGE(E6:E8)","v":0},{"$f":"E9/$D9","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G6:G8)","v":0},{"$f":"G9/$D9","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I6:I8)","v":0},{"$f":"I9/$D9","v":{"$error":"#DIV/0!"}}]
[]
[null,{"$f":"\"Source: Annual Statement for \"&B8&\", \"&B7&\" & \"&B6","v":{"$error":"#VALUE!"}}]
[null,"Note: Programs with less than $25M in premium each can be combined into one entry."]
[null,"Note: Ratios are weighted averages. Dollars are arithmetic averages."]
[]
[null,"Total - All Programs"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
["(5)",{"$f":"$B$6","v":"YYYY"},{"$f":"C26+C33+C40+C47+C54+C61+C68+C75+C82+C89+C96+C103+C110+C117+C124+C131+C138+C145+C152+C159+C166+C173+C180+C187+C194+C201+C208+C215+C222+C229","v":0},0,0,{"$f":"E17/$D17","v":{"$error":"#DIV/0!"}},{"$f":"G26+G33+G40+G47+G54+G61+G68+G75+G82+G89+G96+G103+G110+G117+G124+G131+G138+G145+G152+G159+G166+G173+G180+G187+G194+G201+G208+G215+G222+G229","v":0},{"$f":"G17/$D17","v":{"$error":"#DIV/0!"}},{"$f":"I26+I33+I40+I47+I54+I61+I68+I75+I82+I89+I96+I103+I110+I117+I124+I131+I138+I145+I152+I159+I166+I173+I180+I187+I194+I201+I208+I215+I222+I229","v":0},{"$f":"I17/$D17","v":{"$error":"#DIV/0!"}}]
["(6)",{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E18/$D18","v":{"$error":"#DIV/0!"}},{"$f":"G27+G34+G41+G48+G55+G62+G69+G76+G83+G90+G97+G104+G111+G118+G125+G132+G139+G146+G153+G160+G167+G174+G181+G188+G195+G202+G209+G216+G223+G230","v":0},{"$f":"G18/$D18","v":{"$error":"#DIV/0!"}},{"$f":"I27+I34+I41+I48+I55+I62+I69+I76+I83+I90+I97+I104+I111+I118+I125+I132+I139+I146+I153+I160+I167+I174+I181+I188+I195+I1202+I209+I216+I223+I230","v":0},{"$f":"I18/$D18","v":{"$error":"#DIV/0!"}}]
["(7)",{"$f":"$B$8","v":{"$error":"#VALUE!"}},{"$f":"C28+C35+C42+C49+C56+C63+C70+C77+C84+C91+C98+C105+C112+C119+C126+C133+C140+C147+C154+C161+C168+C175+C182+C189+C196+C203+C210+C217+C224+C231","v":0},{"$f":"D28+D35+D42+D49+D56+D63+D70+D77+D84+D91+D98+D105+D112+D119+D126+D133+D140+D147+D154+D161+D168+D175+D182+D189+D196+D203+D210+D217+D224+D231","v":0},{"$f":"E28+E35+E42+E49+E56+E63+E70+E77+E84+E91+E98+E105+E112+E119+E126+E133+E140+E147+E154+E161+E168+E175+E182+E189+E196+E203+E210+E217+E224+E231","v":0},{"$f":"E19/$D19","v":{"$error":"#DIV/0!"}},{"$f":"G28+G35+G42+G49+G56+G63+G70+G77+G84+G91+G98+G105+G112+G119+G126+G133+G140+G147+G154+G161+G168+G175+G181+G189+G196+G203+G210+G217+G224+G231","v":0},{"$f":"G19/$D19","v":{"$error":"#DIV/0!"}},{"$f":"I28+I35+I42+I49+I56+I63+I70+I77+I84+I91+I98+I105+I112+I119+I126+I133+I140+I147+I154+I161+I168+I175+I182+I189+I196+I203+I210+I217+I224+I231","v":0},{"$f":"I19/$D19","v":{"$error":"#DIV/0!"}}]
["(8)","3 Yr Avg",{"$f":"AVERAGE(C17:C19)","v":0},{"$f":"AVERAGE(D17:D19)","v":0},{"$f":"AVERAGE(E17:E19)","v":0},{"$f":"E20/$D20","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G17:G19)","v":0},{"$f":"G20/$D20","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I17:I19)","v":0},{"$f":"I20/$D20","v":{"$error":"#DIV/0!"}}]
[]
[null,"Difference",{"$f":"C20-C9","v":0},{"$f":"D20-D9","v":0},0,{"$error":"#DIV/0!"},0,{"$error":"#DIV/0!"},{"$f":"I20-I9","v":0},{"$error":"#DIV/0!"}]
[null,{"$f":"IF(OR(C20<>C9,D20<>D9,E20<>E9,G20<>G9,I20<>I9),\"ERROR! Total of all forms [Line (8)] must match Annual Statement in [Line (4)] above.  (Round-off will be ignored.)\",\"\")","v":""}]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E26/$D26","v":{"$error":"#DIV/0!"}},0,{"$f":"G26/$D26","v":{"$error":"#DIV/0!"}},{"$f":"E26+G26","v":0},{"$f":"I26/$D26","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E27/$D27","v":{"$error":"#DIV/0!"}},0,{"$f":"G27/$D27","v":{"$error":"#DIV/0!"}},{"$f":"E27+G27","v":0},{"$f":"I27/$D27","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E28/$D28","v":{"$error":"#DIV/0!"}},0,{"$f":"G28/$D28","v":{"$error":"#DIV/0!"}},{"$f":"E28+G28","v":0},{"$f":"I28/$D28","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C26:C28)","v":0},{"$f":"AVERAGE(D26:D28)","v":0},{"$f":"AVERAGE(E26:E28)","v":0},{"$f":"E29/$D29","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G26:G28)","v":0},{"$f":"G29/$D29","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I26:I28)","v":0},{"$f":"I29/$D29","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E33/$D33","v":{"$error":"#DIV/0!"}},0,{"$f":"G33/$D33","v":{"$error":"#DIV/0!"}},{"$f":"E33+G33","v":0},{"$f":"I33/$D33","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E34/$D34","v":{"$error":"#DIV/0!"}},0,{"$f":"G34/$D34","v":{"$error":"#DIV/0!"}},{"$f":"E34+G34","v":0},{"$f":"I34/$D34","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E35/$D35","v":{"$error":"#DIV/0!"}},0,{"$f":"G35/$D35","v":{"$error":"#DIV/0!"}},{"$f":"E35+G35","v":0},{"$f":"I35/$D35","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C33:C35)","v":0},{"$f":"AVERAGE(D33:D35)","v":0},{"$f":"AVERAGE(E33:E35)","v":0},{"$f":"E36/$D36","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G33:G35)","v":0},{"$f":"G36/$D36","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I33:I35)","v":0},{"$f":"I36/$D36","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E40/$D40","v":{"$error":"#DIV/0!"}},0,{"$f":"G40/$D40","v":{"$error":"#DIV/0!"}},{"$f":"E40+G40","v":0},{"$f":"I40/$D40","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E41/$D41","v":{"$error":"#DIV/0!"}},0,{"$f":"G41/$D41","v":{"$error":"#DIV/0!"}},{"$f":"E41+G41","v":0},{"$f":"I41/$D41","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E42/$D42","v":{"$error":"#DIV/0!"}},0,{"$f":"G42/$D42","v":{"$error":"#DIV/0!"}},{"$f":"E42+G42","v":0},{"$f":"I42/$D42","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C40:C42)","v":0},{"$f":"AVERAGE(D40:D42)","v":0},{"$f":"AVERAGE(E40:E42)","v":0},{"$f":"E43/$D43","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G40:G42)","v":0},{"$f":"G43/$D43","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I40:I42)","v":0},{"$f":"I43/$D43","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E47/$D47","v":{"$error":"#DIV/0!"}},0,{"$f":"G47/$D47","v":{"$error":"#DIV/0!"}},{"$f":"E47+G47","v":0},{"$f":"I47/$D47","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E48/$D48","v":{"$error":"#DIV/0!"}},0,{"$f":"G48/$D48","v":{"$error":"#DIV/0!"}},{"$f":"E48+G48","v":0},{"$f":"I48/$D48","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E49/$D49","v":{"$error":"#DIV/0!"}},0,{"$f":"G49/$D49","v":{"$error":"#DIV/0!"}},{"$f":"E49+G49","v":0},{"$f":"I49/$D49","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C47:C49)","v":0},{"$f":"AVERAGE(D47:D49)","v":0},{"$f":"AVERAGE(E47:E49)","v":0},{"$f":"E50/$D50","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G47:G49)","v":0},{"$f":"G50/$D50","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I47:I49)","v":0},{"$f":"I50/$D50","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E54/$D54","v":{"$error":"#DIV/0!"}},0,{"$f":"G54/$D54","v":{"$error":"#DIV/0!"}},{"$f":"E54+G54","v":0},{"$f":"I54/$D54","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E55/$D55","v":{"$error":"#DIV/0!"}},0,{"$f":"G55/$D55","v":{"$error":"#DIV/0!"}},{"$f":"E55+G55","v":0},{"$f":"I55/$D55","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E56/$D56","v":{"$error":"#DIV/0!"}},0,{"$f":"G56/$D56","v":{"$error":"#DIV/0!"}},{"$f":"E56+G56","v":0},{"$f":"I56/$D56","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C54:C56)","v":0},{"$f":"AVERAGE(D54:D56)","v":0},{"$f":"AVERAGE(E54:E56)","v":0},{"$f":"E57/$D57","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G54:G56)","v":0},{"$f":"G57/$D57","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I54:I56)","v":0},{"$f":"I57/$D57","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E61/$D61","v":{"$error":"#DIV/0!"}},0,{"$f":"G61/$D61","v":{"$error":"#DIV/0!"}},{"$f":"E61+G61","v":0},{"$f":"I61/$D61","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E62/$D62","v":{"$error":"#DIV/0!"}},0,{"$f":"G62/$D62","v":{"$error":"#DIV/0!"}},{"$f":"E62+G62","v":0},{"$f":"I62/$D62","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E63/$D63","v":{"$error":"#DIV/0!"}},0,{"$f":"G63/$D63","v":{"$error":"#DIV/0!"}},{"$f":"E63+G63","v":0},{"$f":"I63/$D63","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C61:C63)","v":0},{"$f":"AVERAGE(D61:D63)","v":0},{"$f":"AVERAGE(E61:E63)","v":0},{"$f":"E64/$D64","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G61:G63)","v":0},{"$f":"G64/$D64","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I61:I63)","v":0},{"$f":"I64/$D64","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E68/$D68","v":{"$error":"#DIV/0!"}},0,{"$f":"G68/$D68","v":{"$error":"#DIV/0!"}},{"$f":"E68+G68","v":0},{"$f":"I68/$D68","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E69/$D69","v":{"$error":"#DIV/0!"}},0,{"$f":"G69/$D69","v":{"$error":"#DIV/0!"}},{"$f":"E69+G69","v":0},{"$f":"I69/$D69","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E70/$D70","v":{"$error":"#DIV/0!"}},0,{"$f":"G70/$D70","v":{"$error":"#DIV/0!"}},{"$f":"E70+G70","v":0},{"$f":"I70/$D70","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C68:C70)","v":0},{"$f":"AVERAGE(D68:D70)","v":0},{"$f":"AVERAGE(E68:E70)","v":0},{"$f":"E71/$D71","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G68:G70)","v":0},{"$f":"G71/$D71","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I68:I70)","v":0},{"$f":"I71/$D71","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E75/$D75","v":{"$error":"#DIV/0!"}},0,{"$f":"G75/$D75","v":{"$error":"#DIV/0!"}},{"$f":"E75+G75","v":0},{"$f":"I75/$D75","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E76/$D76","v":{"$error":"#DIV/0!"}},0,{"$f":"G76/$D76","v":{"$error":"#DIV/0!"}},{"$f":"E76+G76","v":0},{"$f":"I76/$D76","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E77/$D77","v":{"$error":"#DIV/0!"}},0,{"$f":"G77/$D77","v":{"$error":"#DIV/0!"}},{"$f":"E77+G77","v":0},{"$f":"I77/$D77","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C75:C77)","v":0},{"$f":"AVERAGE(D75:D77)","v":0},{"$f":"AVERAGE(E75:E77)","v":0},{"$f":"E78/$D78","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G75:G77)","v":0},{"$f":"G78/$D78","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I75:I77)","v":0},{"$f":"I78/$D78","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E82/$D82","v":{"$error":"#DIV/0!"}},0,{"$f":"G82/$D82","v":{"$error":"#DIV/0!"}},{"$f":"E82+G82","v":0},{"$f":"I82/$D82","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E83/$D83","v":{"$error":"#DIV/0!"}},0,{"$f":"G83/$D83","v":{"$error":"#DIV/0!"}},{"$f":"E83+G83","v":0},{"$f":"I83/$D83","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E84/$D84","v":{"$error":"#DIV/0!"}},0,{"$f":"G84/$D84","v":{"$error":"#DIV/0!"}},{"$f":"E84+G84","v":0},{"$f":"I84/$D84","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C82:C84)","v":0},{"$f":"AVERAGE(D82:D84)","v":0},{"$f":"AVERAGE(E82:E84)","v":0},{"$f":"E85/$D85","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G82:G84)","v":0},{"$f":"G85/$D85","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I82:I84)","v":0},{"$f":"I85/$D85","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E90/$D90","v":{"$error":"#DIV/0!"}},0,{"$f":"G90/$D90","v":{"$error":"#DIV/0!"}},{"$f":"E90+G90","v":0},{"$f":"I90/$D90","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E91/$D91","v":{"$error":"#DIV/0!"}},0,{"$f":"G91/$D91","v":{"$error":"#DIV/0!"}},{"$f":"E91+G91","v":0},{"$f":"I91/$D91","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C89:C91)","v":0},{"$f":"AVERAGE(D89:D91)","v":0},{"$f":"AVERAGE(E89:E91)","v":0},{"$f":"E92/$D92","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G89:G91)","v":0},{"$f":"G92/$D92","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I89:I91)","v":0},{"$f":"I92/$D92","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E97/$D97","v":{"$error":"#DIV/0!"}},0,{"$f":"G97/$D97","v":{"$error":"#DIV/0!"}},{"$f":"E97+G97","v":0},{"$f":"I97/$D97","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E98/$D98","v":{"$error":"#DIV/0!"}},0,{"$f":"G98/$D98","v":{"$error":"#DIV/0!"}},{"$f":"E98+G98","v":0},{"$f":"I98/$D98","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C96:C98)","v":0},{"$f":"AVERAGE(D96:D98)","v":0},{"$f":"AVERAGE(E96:E98)","v":0},{"$f":"E99/$D99","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G96:G98)","v":0},{"$f":"G99/$D99","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I96:I98)","v":0},{"$f":"I99/$D99","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E104/$D104","v":{"$error":"#DIV/0!"}},0,{"$f":"G104/$D104","v":{"$error":"#DIV/0!"}},{"$f":"E104+G104","v":0},{"$f":"I104/$D104","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E105/$D105","v":{"$error":"#DIV/0!"}},0,{"$f":"G105/$D105","v":{"$error":"#DIV/0!"}},{"$f":"E105+G105","v":0},{"$f":"I105/$D105","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C103:C105)","v":0},{"$f":"AVERAGE(D103:D105)","v":0},{"$f":"AVERAGE(E103:E105)","v":0},{"$f":"E106/$D106","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G103:G105)","v":0},{"$f":"G106/$D106","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I103:I105)","v":0},{"$f":"I106/$D106","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E110/$D110","v":{"$error":"#DIV/0!"}},0,{"$f":"G110/$D110","v":{"$error":"#DIV/0!"}},{"$f":"E110+G110","v":0},{"$f":"I110/$D110","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E111/$D111","v":{"$error":"#DIV/0!"}},0,{"$f":"G111/$D111","v":{"$error":"#DIV/0!"}},{"$f":"E111+G111","v":0},{"$f":"I111/$D111","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E112/$D112","v":{"$error":"#DIV/0!"}},0,{"$f":"G112/$D112","v":{"$error":"#DIV/0!"}},{"$f":"E112+G112","v":0},{"$f":"I112/$D112","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C110:C112)","v":0},{"$f":"AVERAGE(D110:D112)","v":0},{"$f":"AVERAGE(E110:E112)","v":0},{"$f":"E113/$D113","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G110:G112)","v":0},{"$f":"G113/$D113","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I110:I112)","v":0},{"$f":"I113/$D113","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E118/$D118","v":{"$error":"#DIV/0!"}},0,{"$f":"G118/$D118","v":{"$error":"#DIV/0!"}},{"$f":"E118+G118","v":0},{"$f":"I118/$D118","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E119/$D119","v":{"$error":"#DIV/0!"}},0,{"$f":"G119/$D119","v":{"$error":"#DIV/0!"}},{"$f":"E119+G119","v":0},{"$f":"I119/$D119","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C117:C119)","v":0},{"$f":"AVERAGE(D117:D119)","v":0},{"$f":"AVERAGE(E117:E119)","v":0},{"$f":"E120/$D120","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G117:G119)","v":0},{"$f":"G120/$D120","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I117:I119)","v":0},{"$f":"I120/$D120","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E125/$D125","v":{"$error":"#DIV/0!"}},0,{"$f":"G125/$D125","v":{"$error":"#DIV/0!"}},{"$f":"E125+G125","v":0},{"$f":"I125/$D125","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E126/$D126","v":{"$error":"#DIV/0!"}},0,{"$f":"G126/$D126","v":{"$error":"#DIV/0!"}},{"$f":"E126+G126","v":0},{"$f":"I126/$D126","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C124:C126)","v":0},{"$f":"AVERAGE(D124:D126)","v":0},{"$f":"AVERAGE(E124:E126)","v":0},{"$f":"E127/$D127","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G124:G126)","v":0},{"$f":"G127/$D127","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I124:I126)","v":0},{"$f":"I127/$D127","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E132/$D132","v":{"$error":"#DIV/0!"}},0,{"$f":"G132/$D132","v":{"$error":"#DIV/0!"}},{"$f":"E132+G132","v":0},{"$f":"I132/$D132","v":{"$error":"#DIV/0!"}}]
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[null,"3 Yr Avg",{"$f":"AVERAGE(C131:C133)","v":0},{"$f":"AVERAGE(D131:D133)","v":0},{"$f":"AVERAGE(E131:E133)","v":0},{"$f":"E134/$D134","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G131:G133)","v":0},{"$f":"G134/$D134","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I131:I133)","v":0},{"$f":"I134/$D134","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E139/$D139","v":{"$error":"#DIV/0!"}},0,{"$f":"G139/$D139","v":{"$error":"#DIV/0!"}},{"$f":"E139+G139","v":0},{"$f":"I139/$D139","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E140/$D140","v":{"$error":"#DIV/0!"}},0,{"$f":"G140/$D140","v":{"$error":"#DIV/0!"}},{"$f":"E140+G140","v":0},{"$f":"I140/$D140","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C138:C140)","v":0},{"$f":"AVERAGE(D138:D140)","v":0},{"$f":"AVERAGE(E138:E140)","v":0},{"$f":"E141/$D141","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G138:G140)","v":0},{"$f":"G141/$D141","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I138:I140)","v":0},{"$f":"I141/$D141","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E146/$D146","v":{"$error":"#DIV/0!"}},0,{"$f":"G146/$D146","v":{"$error":"#DIV/0!"}},{"$f":"E146+G146","v":0},{"$f":"I146/$D146","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E147/$D147","v":{"$error":"#DIV/0!"}},0,{"$f":"G147/$D147","v":{"$error":"#DIV/0!"}},{"$f":"E147+G147","v":0},{"$f":"I147/$D147","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C145:C147)","v":0},{"$f":"AVERAGE(D145:D147)","v":0},{"$f":"AVERAGE(E145:E147)","v":0},{"$f":"E148/$D148","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G145:G147)","v":0},{"$f":"G148/$D148","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I145:I147)","v":0},{"$f":"I148/$D148","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E153/$D153","v":{"$error":"#DIV/0!"}},0,{"$f":"G153/$D153","v":{"$error":"#DIV/0!"}},{"$f":"E153+G153","v":0},{"$f":"I153/$D153","v":{"$error":"#DIV/0!"}}]
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[null,"3 Yr Avg",{"$f":"AVERAGE(C152:C154)","v":0},{"$f":"AVERAGE(D152:D154)","v":0},{"$f":"AVERAGE(E152:E154)","v":0},{"$f":"E155/$D155","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G152:G154)","v":0},{"$f":"G155/$D155","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I152:I154)","v":0},{"$f":"I155/$D155","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E160/$D160","v":{"$error":"#DIV/0!"}},0,{"$f":"G160/$D160","v":{"$error":"#DIV/0!"}},{"$f":"E160+G160","v":0},{"$f":"I160/$D160","v":{"$error":"#DIV/0!"}}]
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[null,"3 Yr Avg",{"$f":"AVERAGE(C159:C161)","v":0},{"$f":"AVERAGE(D159:D161)","v":0},{"$f":"AVERAGE(E159:E161)","v":0},{"$f":"E162/$D162","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G159:G161)","v":0},{"$f":"G162/$D162","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I159:I161)","v":0},{"$f":"I162/$D162","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E167/$D167","v":{"$error":"#DIV/0!"}},0,{"$f":"G167/$D167","v":{"$error":"#DIV/0!"}},{"$f":"E167+G167","v":0},{"$f":"I167/$D167","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E168/$D168","v":{"$error":"#DIV/0!"}},0,{"$f":"G168/$D168","v":{"$error":"#DIV/0!"}},{"$f":"E168+G168","v":0},{"$f":"I168/$D168","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C166:C168)","v":0},{"$f":"AVERAGE(D166:D168)","v":0},{"$f":"AVERAGE(E166:E168)","v":0},{"$f":"E169/$D169","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G166:G168)","v":0},{"$f":"G169/$D169","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I166:I168)","v":0},{"$f":"I169/$D169","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E174/$D174","v":{"$error":"#DIV/0!"}},0,{"$f":"G174/$D174","v":{"$error":"#DIV/0!"}},{"$f":"E174+G174","v":0},{"$f":"I174/$D174","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E175/$D175","v":{"$error":"#DIV/0!"}},0,{"$f":"G175/$D175","v":{"$error":"#DIV/0!"}},{"$f":"E175+G175","v":0},{"$f":"I175/$D175","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C173:C175)","v":0},{"$f":"AVERAGE(D173:D175)","v":0},{"$f":"AVERAGE(E173:E175)","v":0},{"$f":"E176/$D176","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G173:G175)","v":0},{"$f":"G176/$D176","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I173:I175)","v":0},{"$f":"I176/$D176","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E181/$D181","v":{"$error":"#DIV/0!"}},0,{"$f":"G181/$D181","v":{"$error":"#DIV/0!"}},{"$f":"E181+G181","v":0},{"$f":"I181/$D181","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E182/$D182","v":{"$error":"#DIV/0!"}},0,{"$f":"G182/$D182","v":{"$error":"#DIV/0!"}},{"$f":"E182+G182","v":0},{"$f":"I182/$D182","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C180:C182)","v":0},{"$f":"AVERAGE(D180:D182)","v":0},{"$f":"AVERAGE(E180:E182)","v":0},{"$f":"E183/$D183","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G180:G182)","v":0},{"$f":"G183/$D183","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I180:I182)","v":0},{"$f":"I183/$D183","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
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[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E188/$D188","v":{"$error":"#DIV/0!"}},0,{"$f":"G188/$D188","v":{"$error":"#DIV/0!"}},{"$f":"E188+G188","v":0},{"$f":"I188/$D188","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E189/$D189","v":{"$error":"#DIV/0!"}},0,{"$f":"G189/$D189","v":{"$error":"#DIV/0!"}},{"$f":"E189+G189","v":0},{"$f":"I189/$D189","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C187:C189)","v":0},{"$f":"AVERAGE(D187:D189)","v":0},{"$f":"AVERAGE(E187:E189)","v":0},{"$f":"E190/$D190","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G187:G189)","v":0},{"$f":"G190/$D190","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I187:I189)","v":0},{"$f":"I190/$D190","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E194/$D194","v":{"$error":"#DIV/0!"}},0,{"$f":"G194/$D194","v":{"$error":"#DIV/0!"}},{"$f":"E194+G194","v":0},{"$f":"I194/$D194","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E195/$D195","v":{"$error":"#DIV/0!"}},0,{"$f":"G195/$D195","v":{"$error":"#DIV/0!"}},{"$f":"E195+G195","v":0},{"$f":"I195/$D195","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E196/$D196","v":{"$error":"#DIV/0!"}},0,{"$f":"G196/$D196","v":{"$error":"#DIV/0!"}},{"$f":"E196+G196","v":0},{"$f":"I196/$D196","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C194:C196)","v":0},{"$f":"AVERAGE(D194:D196)","v":0},{"$f":"AVERAGE(E194:E196)","v":0},{"$f":"E197/$D197","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G194:G196)","v":0},{"$f":"G197/$D197","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I194:I196)","v":0},{"$f":"I197/$D197","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E201/$D201","v":{"$error":"#DIV/0!"}},0,{"$f":"G201/$D201","v":{"$error":"#DIV/0!"}},{"$f":"E201+G201","v":0},{"$f":"I201/$D201","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E202/$D202","v":{"$error":"#DIV/0!"}},0,{"$f":"G202/$D202","v":{"$error":"#DIV/0!"}},{"$f":"E202+G202","v":0},{"$f":"I202/$D202","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E203/$D203","v":{"$error":"#DIV/0!"}},0,{"$f":"G203/$D203","v":{"$error":"#DIV/0!"}},{"$f":"E203+G203","v":0},{"$f":"I203/$D203","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C201:C203)","v":0},{"$f":"AVERAGE(D201:D203)","v":0},{"$f":"AVERAGE(E201:E203)","v":0},{"$f":"E204/$D204","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G201:G203)","v":0},{"$f":"G204/$D204","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I201:I203)","v":0},{"$f":"I204/$D204","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E208/$D208","v":{"$error":"#DIV/0!"}},0,{"$f":"G208/$D208","v":{"$error":"#DIV/0!"}},{"$f":"E208+G208","v":0},{"$f":"I208/$D208","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E209/$D209","v":{"$error":"#DIV/0!"}},0,{"$f":"G209/$D209","v":{"$error":"#DIV/0!"}},{"$f":"E209+G209","v":0},{"$f":"I209/$D209","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E210/$D210","v":{"$error":"#DIV/0!"}},0,{"$f":"G210/$D210","v":{"$error":"#DIV/0!"}},{"$f":"E210+G210","v":0},{"$f":"I210/$D210","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C208:C210)","v":0},{"$f":"AVERAGE(D208:D210)","v":0},{"$f":"AVERAGE(E208:E210)","v":0},{"$f":"E211/$D211","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G208:G210)","v":0},{"$f":"G211/$D211","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I208:I210)","v":0},{"$f":"I211/$D211","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E215/$D215","v":{"$error":"#DIV/0!"}},0,{"$f":"G215/$D215","v":{"$error":"#DIV/0!"}},{"$f":"E215+G215","v":0},{"$f":"I215/$D215","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E216/$D216","v":{"$error":"#DIV/0!"}},0,{"$f":"G216/$D216","v":{"$error":"#DIV/0!"}},{"$f":"E216+G216","v":0},{"$f":"I216/$D216","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E217/$D217","v":{"$error":"#DIV/0!"}},0,{"$f":"G217/$D217","v":{"$error":"#DIV/0!"}},{"$f":"E217+G217","v":0},{"$f":"I217/$D217","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C215:C217)","v":0},{"$f":"AVERAGE(D215:D217)","v":0},{"$f":"AVERAGE(E215:E217)","v":0},{"$f":"E218/$D218","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G215:G217)","v":0},{"$f":"G218/$D218","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I215:I217)","v":0},{"$f":"I218/$D218","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E222/$D222","v":{"$error":"#DIV/0!"}},0,{"$f":"G222/$D222","v":{"$error":"#DIV/0!"}},{"$f":"E222+G222","v":0},{"$f":"I222/$D222","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E223/$D223","v":{"$error":"#DIV/0!"}},0,{"$f":"G223/$D223","v":{"$error":"#DIV/0!"}},{"$f":"E223+G223","v":0},{"$f":"I223/$D223","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E224/$D224","v":{"$error":"#DIV/0!"}},0,{"$f":"G224/$D224","v":{"$error":"#DIV/0!"}},{"$f":"E224+G224","v":0},{"$f":"I224/$D224","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C222:C224)","v":0},{"$f":"AVERAGE(D222:D224)","v":0},{"$f":"AVERAGE(E222:E224)","v":0},{"$f":"E225/$D225","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G222:G224)","v":0},{"$f":"G225/$D225","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I222:I224)","v":0},{"$f":"I225/$D225","v":{"$error":"#DIV/0!"}}]
[]
[null,"(specify program)"]
[null,"Year","Written Premium","Earned Premium","Incurred Loss","IL%","DCCE","DCCE%","IL+DCCE","IL+DCCE %"]
[null,{"$f":"$B$6","v":"YYYY"},0,0,0,{"$f":"E229/$D229","v":{"$error":"#DIV/0!"}},0,{"$f":"G229/$D229","v":{"$error":"#DIV/0!"}},{"$f":"E229+G229","v":0},{"$f":"I229/$D229","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$7","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E230/$D230","v":{"$error":"#DIV/0!"}},0,{"$f":"G230/$D230","v":{"$error":"#DIV/0!"}},{"$f":"E230+G230","v":0},{"$f":"I230/$D230","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"$B$8","v":{"$error":"#VALUE!"}},0,0,0,{"$f":"E231/$D231","v":{"$error":"#DIV/0!"}},0,{"$f":"G231/$D231","v":{"$error":"#DIV/0!"}},{"$f":"E231+G231","v":0},{"$f":"I231/$D231","v":{"$error":"#DIV/0!"}}]
[null,"3 Yr Avg",{"$f":"AVERAGE(C229:C231)","v":0},{"$f":"AVERAGE(D229:D231)","v":0},{"$f":"AVERAGE(E229:E231)","v":0},{"$f":"E232/$D232","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(G229:G231)","v":0},{"$f":"G232/$D232","v":{"$error":"#DIV/0!"}},{"$f":"AVERAGE(I229:I231)","v":0},{"$f":"I232/$D232","v":{"$error":"#DIV/0!"}}]

{"sheet":"7.Statutory Data","index":9,"n_rows":31,"n_cols":5,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
["State of California",null,"Company:",null,{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,"Line:",null,{"$f":"General_Line","v":0}]
[]
["ADDITIONAL CALENDAR YEAR DATA REQUIRED BY STATUTE"]
[]
["Refer to CIC §1857.7, CIC §1857.9 and CIC §1864 for more information."]
[]
["Line","Type of Data",null,null,"Most Recent Calendar Year"]
["(0)","Calendar Year",null,null,"YYYY"]
[-1,"Number of claims outstanding at beginning of year"]
[-2,"Number of claims during the year"]
[-3,"Number of claims closed during the year"]
[-4,"Number of claims outstanding at year's end [ (1) + (2) - (3) ]",null,null,{"$f":"E10+E11-E12","v":0}]
[-5,"Unearned Premiums"]
[-6,"Dollar amount of claims paid"]
[-7,"Net loss reserves for outstanding claims excluding claims incurred but not reported (case reserves)"]
[-8,"Net loss reserves for claims incurred but not reported (IBNR)"]
[-9,"Losses incurred as a percentage of premiums earned, including IBNR"]
[-10,"Net investment gain or loss and other income or gain or loss allocated to the line"]
[-11,"Net income before federal and foreign income taxes [ (10) + (15) ]",null,null,{"$f":"E19+E24","v":0}]
[-12,"Total number of policies in force on the last day of the reporting period"]
[-13,"Total number of policies canceled"]
[-14,"Total number of policies non-renewed"]
[-15,"Net underwriting gain or loss ( = CY earned premiums less CY incurred loss less CY incurred expense )"]
[-16,"Separate allocations of expenses for:"]
[-17,"(a) commissions and brokerage expense"]
[-18,"(b) other acquisition costs"]
[-19,"(c) general office expenses"]
[-20,"(d) taxes, licenses and fees"]
[-21,"(e) loss adjustment expense (DCCE & AOE)"]
[-22,"(f) other expenses"]

{"sheet":"8.Miscellaneous Fees","index":10,"n_rows":39,"n_cols":9,"rows_kept":39,"cut":false,"hidden":false,"merged":[]}
["State of California",null,"Company:",null,null,{"$f":"Co_Name","v":0},"Error Messages, if Any, Associated with Miscellaneous Fee Data Input Page to the Left"]
["Department of Insurance (CDI)",null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[]
["MISCELLANEOUS FEES AND OTHER CHARGES"]
[]
["Check all fees that apply and identify the current amount charged for each transaction."]
["If no fees apply to this program, check here:",null,null,null,null,null,{"$f":"IF(AND(No_Fees=TRUE,OR(COUNTA(D12:D25)<>0,COUNTA(F12:F25)<>0,COUNTA(D29:D37)<>0,COUNTA(F29:F37)<>0)),\"← ERROR! Remove fees if they do not apply or select the check box indicating that\",\nIF(AND(COUNTA(D12:D25)=0,COUNTA(F12:F25)=0,COUNTA(D29:D37)=0,COUNTA(F29:F37)=0,No_Fees=FALSE),\"← Enter Fees if they apply or select the check box indicating that no fees apply.\",\"\"))","v":"← Enter Fees if they apply or select the check box indicating that no fees apply."}]
["If changes to fees are being proposed in this application, check here:",null,null,null,null,null,{"$f":"IF(AND(No_Fees=TRUE,OR(COUNTA(D12:D25)<>0,COUNTA(F12:F25)<>0,COUNTA(D29:D37)<>0,COUNTA(F29:F37)<>0)),\"no fees apply.\",\"\")","v":""}]
["Note: All fees applicable to this program must be identified in the insurer's rating rule pages."]
["Miscellaneous Fees"]
[null,null,null,"New Business",null,"Renewal Business"]
["Fixed Expense Fee/Constant/Premium",null,null,null,null,null,null,false,false]
["Policy Fee",null,null,null,null,null,null,false,false]
["Installment Fee (Fixed $)",null,null,null,null,null,null,false,false]
["Endorsement Fee",null,null,null,null,null,null,false,false]
["Inspection Fee",null,null,null,null,null,null,false,false]
["Cancellation Fee",null,null,null,null,null,null,false,false]
["Reinstatement Fee",null,null,null,null,null,null,false,false]
["Late Fee",null,null,null,null,null,null,false,false]
["SR-22",null,null,null,null,null,null,false,false]
["Other Fees (specify below)"]
["Fee 1",null,null,null,null,null,null,false,false]
["Fee 2",null,null,null,null,null,null,false,false]
["Fee 3",null,null,null,null,null,null,false,false]
["Fee 4",null,null,null,null,null,null,false,false]
[]
["Ancillary Income"]
[null,null,null,"New Business",null,"Renewal Business"]
["Installment Finance Charge (APR %)",null,null,null,null,null,null,false,false]
["Non-Sufficient Funds (NSF) Fee",null,null,null,null,null,null,false,false]
["Membership Dues",null,null,null,null,null,null,false,false]
["Premium Finance Revenues",null,null,null,null,null,null,false,false]
["Other Fees (specify below)"]
["Fee 1",null,null,null,null,null,null,false,false]
["Fee 2",null,null,null,null,null,null,false,false]
["Fee 3",null,null,null,null,null,null,false,false]
["Fee 4",null,null,null,null,null,null,false,false]
[]
["Use Exhibit 6 if additional space is needed to explain fees not listed above."]

{"sheet":"9.Forms","index":11,"n_rows":67,"n_cols":13,"rows_kept":67,"cut":false,"hidden":false,"merged":[[48,1,48,2],[49,1,49,2],[50,1,50,2],[51,1,51,2],[48,3,48,11],[49,3,49,11],[50,3,50,11],[51,3,51,11],[44,3,44,11],[45,3,45,11],[41,1,41,2],[42,1,42,2],[43,1,43,2],[44,1,44,2],[45,1,45,2],[41,3,41,11],[42,3,42,11],[43,3,43,11],[67,1,75,11],[52,3,52,11],[52,1,52,2],[55,1,55,2],[56,1,56,2],[57,1,57,2],[58,1,58,2],[59,3,59,11],[59,1,59,2],[58,3,58,11],[57,3,57,11],[56,3,56,11],[55,3,55,11],[20,3,20,11],[21,3,21,11],[36,1,36,2],[29,3,29,11],[30,3,30,11],[31,3,31,11],[22,1,22,2],[23,1,23,2],[24,1,24,2],[22,3,22,11],[23,3,23,11],[24,3,24,11],[27,1,27,2],[28,1,28,2],[28,3,28,11],[27,3,27,11],[34,3,34,11],[35,3,35,11],[36,3,36,11],[38,1,38,2],[37,1,37,2],[34,1,34,2],[35,1,35,2],[37,3,37,11],[38,3,38,11],[29,1,29,2],[30,1,30,2],[31,1,31,2],[20,1,20,2],[21,1,21,2]]}
["State of California",null,null,null,null,null,null,null,null,"Company:",null,{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,null,null,null,null,null,null,null,"Line:",null,{"$f":"General_Line","v":0}]
[]
["FORMS"]
[]
[]
[null,"Legend of Response Codes"]
[null,"Type Code",null,"Source Code","Category Code"]
[null,"        (1)  Application",null,"          (1)  Insurance Services Office (ISO)","    (1)  New, mandatory ",null,null,"(4)  Replacement, mandatory",null,null,"(7)  Withdrawn, mandatory"]
[null,"        (2)  Endorsement",null,"          (2)  Other Advisory Organization","    (2)  New, optional (required)",null,null,"(5)  Replacement, optional (required)",null,null,"(8)  Withdrawn, optional (required)"]
[null,"        (3)  Policy",null,"          (3)  Company","    (3)  New, optional (elective)",null,null,"(6)  Replacement, optional (elective)",null,null,"(9)  Withdrawn, optional (elective)"]
[1,"        (4)  Other (Describe in box below)",null,"          (4)  Other (Describe in box below)",null,null,null,null,null,null,"(10)  Other (Describe in box below)"]
[null,null,null,null,"    Mandatory - refers to forms that the insurer attaches to all policies."]
[null,null,null,null,"    Optional (required) - refers to forms that the insurer requires be attached to some policies."]
[null,null,null,null,"    Optional (elective) - refers to forms that the insured requests be added to their policy."]
[]
[null,null,"Applicable Form",null,null,"Source of Form",null,null,"Coverage Change Reflects",null,"Coverage Change Includes"]
[null,null,"#","Title","Type","Source","CDI File #1","Category3","Restriction?2","Broadening?","Rate Impact?","% Impact"]
[{"$f":"A12-1","v":0},"Proposed",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTBLANK(C19:L19)=11,\"\",\nIF(OR(COUNTBLANK(C19:F19)>0,COUNTBLANK(H19:K19)>0),\"←ERROR! Fill out all of the required information in the proposed line.\",\nIF(AND(ISBLANK(G19),OR(F19=1,F19=2,H19=7,H19=8,H19=9)),\"←ERROR! Provide the CDI File # of the applicable filing.\",\nIF(AND(OR(I19=\"Y\",J19=\"Y\"),K19=\"N\"),\"←Warning! There is no corresponding rate impact associated with the restriction or broadening of coverage. Provide an explanation in the comment box below.\",\nIF(AND(K19=\"Y\",ISBLANK(L19)),\"←ERROR! Provide rate impact of the form.\",\"\")))))","v":"←ERROR! Fill out all of the required information in the proposed line."}]
[null,"Current",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H19=1,H19=2,H19=3,H19=7,H19=8,H19=9,ISBLANK(H19)),\"\",\nIF(COUNTBLANK(C20:H20)>0,\"←ERROR! Fill out all of the required information in the current line.\"))","v":""}]
[null,"Explain Revision/New Form\nProvide a summary - when does it attach, how does it broaden or restrict coverage, and why are you seeking to revise or adopt it.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(LEN(TRIM(CLEAN(D21)))=0,\"←ERROR! Detailed explanation was not provided.\",\"\")","v":"←ERROR! Detailed explanation was not provided."}]
[null,"Premium Determination\n(Factor or Charge - $, %, or description) - Any changes or introduction of rates/premium charge must be justified and supported. If additional space is needed submit a supplemental exhibit."]
[null,"Rate Impact\nExplain why there is or isn't a rate impact. "]
[null,"Rule\nIf applicable, specify the applicable rule(s) and manual page number(s).",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H19=2,H19=5),\"←Reminder: optional required forms should have an accompanying underwriting rule specifying when the form will attach and the applicable rule(s) should be specified in this box.\",\"\")","v":""}]
[]
[{"$f":"A19-1","v":-1},"Proposed",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTBLANK(C26:L26)=11,\"\",\nIF(OR(COUNTBLANK(C26:F26)>0,COUNTBLANK(H26:K26)>0),\"←ERROR! Fill out all of the required information in the proposed line.\",\nIF(AND(ISBLANK(G26),OR(F26=1,F26=2,H26=7,H26=8,H26=9)),\"←ERROR! Provide the CDI File # of the applicable filing.\",\nIF(AND(OR(I26=\"Y\",J26=\"Y\"),K26=\"N\"),\"←Warning! There is no corresponding rate impact associated with the restriction or broadening of coverage. Provide an explanation in the comment box below.\",\nIF(AND(K26=\"Y\",ISBLANK(L26)),\"←ERROR! Provide rate impact of the form.\",\"\")))))","v":"←ERROR! Fill out all of the required information in the proposed line."}]
[null,"Current",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H26=1,H26=2,H26=3,H26=7,H26=8,H26=9,ISBLANK(H26)),\"\",\nIF(COUNTBLANK(C27:H27)>0,\"←ERROR! Fill out all of the required information in the current line.\",\n))","v":""}]
[null,"Explain Revision/New Form\nProvide a summary - when does it attach, how does it broaden or restrict coverage, and why are you seeking to revise or adopt it.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(LEN(TRIM(CLEAN(D28)))=0,\"←ERROR! Detailed explanation was not provided.\",\"\")","v":"←ERROR! Detailed explanation was not provided."}]
[null,"Premium Determination\n(Factor or Charge - $, %, or description) - Any changes or introduction of rates/premium charge must be justified and supported. If additional space is needed submit a supplemental exhibit."]
[null,"Rate Impact\nExplain why there is or isn't a rate impact. "]
[null,"Rule\nIf applicable, specify the applicable rule(s) and manual page number(s).",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H26=2,H26=5),\"←Reminder: optional required forms should have an accompanying underwriting rule specifying when the form will attach and the applicable rule(s) should be specified in this box.\",\"\")","v":""}]
[]
[{"$f":"A19-1","v":-1},"Proposed",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTBLANK(C33:L33)=11,\"\",\nIF(OR(COUNTBLANK(C33:F33)>0,COUNTBLANK(H33:K33)>0),\"←ERROR! Fill out all of the required information in the proposed line.\",\nIF(AND(ISBLANK(G33),OR(F33=1,F33=2,H33=7,H33=8,H33=9)),\"←ERROR! Provide the CDI File # of the applicable filing.\",\nIF(AND(OR(I33=\"Y\",J33=\"Y\"),K33=\"N\"),\"←Warning! There is no corresponding rate impact associated with the restriction or broadening of coverage. Provide an explanation in the comment box below.\",\nIF(AND(K33=\"Y\",OR(ISBLANK(L33),L33=0)),\"←ERROR! Provide rate impact of the form.\",\"\")))))","v":"←ERROR! Fill out all of the required information in the proposed line."}]
[null,"Current",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H33=1,H33=2,H33=3,H33=7,H33=8,H33=9,ISBLANK(H33)),\"\",\nIF(COUNTBLANK(C34:H34)>0,\"←ERROR! Fill out all of the required information in the current line.\",\n))","v":""}]
[null,"Explain Revision/New Form\nProvide a summary - when does it attach, how does it broaden or restrict coverage, and why are you seeking to revise or adopt it.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(LEN(TRIM(CLEAN(D35)))=0,\"←ERROR! Detailed explanation was not provided.\",\"\")","v":"←ERROR! Detailed explanation was not provided."}]
[null,"Premium Determination\n(Factor or Charge - $, %, or description) - Any changes or introduction of rates/premium charge must be justified and supported. If additional space is needed submit a supplemental exhibit."]
[null,"Rate Impact\nExplain why there is or isn't a rate impact. "]
[null,"Rule\nIf applicable, specify the applicable rule(s) and manual page number(s).",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H33=2,H33=5),\"←Reminder: optional required forms should have an accompanying underwriting rule specifying when the form will attach and the applicable rule(s) should be specified in this box.\",\"\")","v":""}]
[]
[{"$f":"A33-1","v":-2},"Proposed",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTBLANK(C40:L40)=11,\"\",\nIF(OR(COUNTBLANK(C40:F40)>0,COUNTBLANK(H40:K40)>0),\"←ERROR! Fill out all of the required information in the proposed line.\",\nIF(AND(ISBLANK(G40),OR(F40=1,F40=2,H40=7,H40=8,H40=9)),\"←ERROR! Provide the CDI File # of the applicable filing.\",\nIF(AND(OR(I40=\"Y\",J40=\"Y\"),K40=\"N\"),\"←Warning! There is no corresponding rate impact associated with the restriction or broadening of coverage. Provide an explanation in the comment box below.\",\nIF(AND(K40=\"Y\",OR(ISBLANK(L40),L40=0)),\"←ERROR! Provide rate impact of the form.\",\"\")))))","v":"←ERROR! Fill out all of the required information in the proposed line."}]
[null,"Current",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H40=1,H40=2,H40=3,H40=7,H40=8,H40=9,ISBLANK(H40)),\"\",\nIF(COUNTBLANK(C41:H41)>0,\"←ERROR! Fill out all of the required information in the current line.\",\n))","v":""}]
[null,"Explain Revision/New Form\nProvide a summary - when does it attach, how does it broaden or restrict coverage, and why are you seeking to revise or adopt it.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(LEN(TRIM(CLEAN(D42)))=0,\"←ERROR! Detailed explanation was not provided.\",\"\")","v":"←ERROR! Detailed explanation was not provided."}]
[null,"Premium Determination\n(Factor or Charge - $, %, or description) - Any changes or introduction of rates/premium charge must be justified and supported. If additional space is needed submit a supplemental exhibit."]
[null,"Rate Impact\nExplain why there is or isn't a rate impact. "]
[null,"Rule\nIf applicable, specify the applicable rule(s) and manual page number(s).",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H40=2,H40=5),\"←Reminder: optional required forms should have an accompanying underwriting rule specifying when the form will attach and the applicable rule(s) should be specified in this box.\",\"\")","v":""}]
[]
[{"$f":"A40-1","v":-3},"Proposed",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTBLANK(C47:L47)=11,\"\",\nIF(OR(COUNTBLANK(C47:F47)>0,COUNTBLANK(H47:K47)>0),\"←ERROR! Fill out all of the required information in the proposed line.\",\nIF(AND(ISBLANK(G47),OR(F47=1,F47=2,H47=7,H47=8,H47=9)),\"←ERROR! Provide the CDI File # of the applicable filing.\",\nIF(AND(OR(I47=\"Y\",J47=\"Y\"),K47=\"N\"),\"←Warning! There is no corresponding rate impact associated with the restriction or broadening of coverage. Provide an explanation in the comment box below.\",\nIF(AND(K47=\"Y\",OR(ISBLANK(L47),L47=0)),\"←ERROR! Provide rate impact of the form.\",\"\")))))","v":"←ERROR! Fill out all of the required information in the proposed line."}]
[null,"Current",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H47=1,H47=2,H47=3,H47=7,H47=8,H47=9,ISBLANK(H47)),\"\",\nIF(COUNTBLANK(C48:H48)>0,\"←ERROR! Fill out all of the required information in the current line.\",\n))","v":""}]
[null,"Explain Revision/New Form\nProvide a summary - when does it attach, how does it broaden or restrict coverage, and why are you seeking to revise or adopt it.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(LEN(TRIM(CLEAN(D49)))=0,\"←ERROR! Detailed explanation was not provided.\",\"\")","v":"←ERROR! Detailed explanation was not provided."}]
[null,"Premium Determination\n(Factor or Charge - $, %, or description) - Any changes or introduction of rates/premium charge must be justified and supported. If additional space is needed submit a supplemental exhibit."]
[null,"Rate Impact\nExplain why there is or isn't a rate impact. "]
[null,"Rule\nIf applicable, specify the applicable rule(s) and manual page number(s).",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H47=2,H47=5),\"←Reminder: optional required forms should have an accompanying underwriting rule specifying when the form will attach and the applicable rule(s) should be specified in this box.\",\"\")","v":""}]
[]
[{"$f":"A47-1","v":-4},"Proposed",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTBLANK(C54:L54)=11,\"\",\nIF(OR(COUNTBLANK(C54:F54)>0,COUNTBLANK(H54:K54)>0),\"←ERROR! Fill out all of the required information in the proposed line.\",\nIF(AND(ISBLANK(G54),OR(F54=1,F54=2,H54=7,H54=8,H54=9)),\"←ERROR! Provide the CDI File # of the applicable filing.\",\nIF(AND(OR(I54=\"Y\",J54=\"Y\"),K54=\"N\"),\"←Warning! There is no corresponding rate impact associated with the restriction or broadening of coverage. Provide an explanation in the comment box below.\",\nIF(AND(K54=\"Y\",OR(ISBLANK(L54),L54=0)),\"←ERROR! Provide rate impact of the form.\",\"\")))))","v":"←ERROR! Fill out all of the required information in the proposed line."}]
[null,"Current",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H54=1,H54=2,H54=3,H54=7,H54=8,H54=9,ISBLANK(H54)),\"\",\nIF(COUNTBLANK(C55:H55)>0,\"←ERROR! Fill out all of the required information in the current line.\",\n))","v":""}]
[null,"Explain Revision/New Form\nProvide a summary - when does it attach, how does it broaden or restrict coverage, and why are you seeking to revise or adopt it.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(LEN(TRIM(CLEAN(D56)))=0,\"←ERROR! Detailed explanation was not provided.\",\"\")","v":"←ERROR! Detailed explanation was not provided."}]
[null,"Premium Determination\n(Factor or Charge - $, %, or description) - Any changes or introduction of rates/premium charge must be justified and supported. If additional space is needed submit a supplemental exhibit."]
[null,"Rate Impact\nExplain why there is or isn't a rate impact. "]
[null,"Rule\nIf applicable, specify the applicable rule(s) and manual page number(s).",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(H54=2,H54=5),\"←Reminder: optional required forms should have an accompanying underwriting rule specifying when the form will attach and the applicable rule(s) should be specified in this box.\",\"\")","v":""}]
[]
[]
[null,"1 If Source selected is ISO or Other Advisory Organization, provide the CDI File # of the applicable filing from which the form is being adopted.  If Source selected is Company and Category is Replacement,"]
[null,"    provide the CDI File # under which the current form is approved."]
[null,"2 Forms that restrict, exclude or delete coverage require consideration of a rate offset/credit.  Provide the amount of prior losses incurred associated with the impacted coverage, if any."]
[null,"3 If the Category Code is withdrawn, provide the CDI file # under which the withdrawn form was last submitted."]
[]
[null,"Other (Please provide additional information below for forms indicated as \"Other\" under Type Code, Source Code, and/or Category Code.)"]

{"sheet":"10.Rules","index":12,"n_rows":40,"n_cols":6,"rows_kept":40,"cut":false,"hidden":false,"merged":[]}
["State of California",null,"Company:",{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,"Line:",{"$f":"General_Line","v":0}]
[]
["RATING RULES AND UNDERWRITING GUIDELINES"]
[]
["Insurers submitting a rule change filing must provide the information identified below."]
["Complete Exhibit 18 as necessary to fulfill this requirement."]
[]
["Check all that apply:"]
[null,"(1) Introducing a new rule(s)",null,null,false]
[null,"(2) Revising an existing rule(s)",null,null,false]
[null,"(3) Adopting an approved Advisory Organization (AO) rule(s)",null,null,false]
[null,"(4) Withdrawing an approved rule(s)",null,null,false]
[null,"(5) Introducing or revising an underwriting guideline(s)1",null,null,false]
[]
["If (1), (2) or (5) above is checked, provide the following:"]
[null,"(a) The purpose for the rule or underwriting guideline or an explanation for revising an existing rule"]
[null," or underwriting guideline (Exhibit 18)"]
[null,"(b) A copy of the current and proposed manual page corresponding to the rule or underwriting guideline"]
[null,"(c) The proposed charge for the rule, and justification of the charge including"]
[null,"the rate or premium development method (Exhibit 18)"]
[null,"(d) The rate impact of the rule or underwriting guideline on the current book of business, with"]
[null,"corresponding calculation of that impact (Exhibit 18)"]
[null,"(e) Advise if the rule is:"]
[null,"(i) Optional",null,null,false]
[null,"(ii) Mandatory",null,null,false]
[]
["If (3) above is checked, specify the approved CDI File #(s) of the AO rule:",null,null,null,null,{"$f":"IF(AND(ISBLANK(D28),E12=TRUE),\"← WARNING! If (3) above is checked, specify the approved CDI File #(s) of the AO rule.\",\"\")","v":""}]
[]
["If (4) above is checked, provide the following:"]
[null,"(a) An explanation for the withdrawal of the rule (Exhibit 18)"]
[null,"(b) A copy of the current and proposed manual page corresponding to the withdrawn rule"]
[null,"(c) The rate impact of withdrawing the rule on the current book of business, with"]
[null,"corresponding calculation of that impact (Exhibit 18)"]
[]
["For all rule and underwriting guideline changes, provide any additional comments necessary to adequately"]
["explain the rule change (Exhibit 18)."]
[]
["1  Underwriting guidelines included in this filing are reviewed only insofar as they relate to rates contained"]
["in this filing or currently on file with the California Department of Insurance."]

{"sheet":"11.Variance Request","index":13,"n_rows":47,"n_cols":8,"rows_kept":47,"cut":false,"hidden":true,"merged":[[17,0,18,6],[20,0,21,6],[23,0,24,6],[26,0,27,6],[29,0,30,6],[32,0,33,6],[35,0,36,6],[38,0,39,6],[41,0,42,6],[44,0,45,6]]}
["State of California",null,null,null,"Company:",null,{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,{"$f":"General_Line","v":0}]
[]
["VARIANCE REQUEST"]
[]
["Select the basis for each variance requested and enter the minimum and maximum permitted rate change percentages resulting"]
["from that variance."]
[]
["Provide full documentation of and justification for each variance request in Exhibit 13.  Refer to the Prior Approval Rate Filing "]
["Instructions and CCR §2644.27 (f) for comprehensive information on required documentation."]
[]
[null,null,null,"Minimum Permitted Rate Change % (CHANGE_AT_MIN)","Impact of Variance on Minimum Permitted Rate Change %","Maximum Permitted Rate Change % (CHANGE_AT_MAX)","Impact of Variance on Maximum Permitted Rate Change %","Combo Box Control"]
[]
["No Variance (Default Scenario)"]
[]
["Request #1:","Variance #",null,null,{"$f":"IF(ISBLANK(D16),\"\",D16-D$14)","v":""},null,{"$f":"IF(ISBLANK(F16),\"\",F16-F$14)","v":""},23]
[]
[{"$f":"INDEX(List_Variances,$H16,2)","v":""}]
[]
["Request #2","Variance #",null,null,{"$f":"IF(ISBLANK(D20),\"\",D20-D$14)","v":""},null,{"$f":"IF(ISBLANK(F20),\"\",F20-F$14)","v":""},23]
[{"$f":"INDEX(List_Variances,$H20,2)","v":""}]
[]
["Request #3","Variance #",null,null,{"$f":"IF(ISBLANK(D23),\"\",D23-D$14)","v":""},null,{"$f":"IF(ISBLANK(F23),\"\",F23-F$14)","v":""},23]
[{"$f":"INDEX(List_Variances,$H23,2)","v":""}]
[]
["Request #4","Variance #",null,null,{"$f":"IF(ISBLANK(D26),\"\",D26-D$14)","v":""},null,{"$f":"IF(ISBLANK(F26),\"\",F26-F$14)","v":""},23]
[{"$f":"INDEX(List_Variances,$H26,2)","v":""}]
[]
["Request #5","Variance #",null,null,{"$f":"IF(ISBLANK(D29),\"\",D29-D$14)","v":""},null,{"$f":"IF(ISBLANK(F29),\"\",F29-F$14)","v":""},23]
[{"$f":"INDEX(List_Variances,$H29,2)","v":""}]
[]
["Request #6","Variance #",null,null,{"$f":"IF(ISBLANK(D32),\"\",D32-D$14)","v":""},null,{"$f":"IF(ISBLANK(F32),\"\",F32-F$14)","v":""},23]
[{"$f":"INDEX(List_Variances,$H32,2)","v":""}]
[]
["Request #7","Variance #",null,null,{"$f":"IF(ISBLANK(D35),\"\",D35-D$14)","v":""},null,{"$f":"IF(ISBLANK(F35),\"\",F35-F$14)","v":""},23]
[{"$f":"INDEX(List_Variances,$H35,2)","v":""}]
[]
["Request #8","Variance #",null,null,{"$f":"IF(ISBLANK(D38),\"\",D38-D$14)","v":""},null,{"$f":"IF(ISBLANK(F38),\"\",F38-F$14)","v":""},23]
[{"$f":"INDEX(List_Variances,$H38,2)","v":""}]
[]
["Request #9","Variance #",null,null,{"$f":"IF(ISBLANK(D41),\"\",D41-D$14)","v":""},null,{"$f":"IF(ISBLANK(F41),\"\",F41-F$14)","v":""},23]
[{"$f":"INDEX(List_Variances,$H41,2)","v":""}]
[]
["Request #10","Variance #",null,null,{"$f":"IF(ISBLANK(D44),\"\",D44-D$14)","v":""},null,{"$f":"IF(ISBLANK(F44),\"\",F44-F$14)","v":""},23]
[{"$f":"INDEX(List_Variances,$H44,2)","v":""}]
[]
["All Variances Combined",null,null,null,{"$f":"IF(ISBLANK(D47),\"\",D47-D$14)","v":""},null,{"$f":"IF(ISBLANK(F47),\"\",F47-F$14)","v":""}]

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["State of California",null,null,null,null,null,null,null,null,"Company:",null,null,null,null,null,{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,null,null,null,null,null,null,null,"Line:",null,null,null,null,null,{"$f":"General_Line","v":0}]
[]
["MODEL DISCLOSURE"]
["This page should contain information exclusive to one specific model."]
["Model Name/Model Version:"]
[]
["Catastrophe Model or Non-Catastrophe Model:"]
[null,false,"Catastrophe Model",null,null,null,false,"Non-Catastrophe Model"]
[]
["Model Usage (check all that apply):"]
[null,false,"Underwriting Eligibility",null,null,null,false,"Overall Rate Level"]
[null,false,"Rate Segmentation",null,null,null,false,"Other:"]
[]
["Catastrophe Model Type (check all that apply):"]
[null,false,"Flood",null,null,null,false,"Earthquake",null,null,null,false,"Fire Following Earthquake"]
[null,false,"Terrorism",null,null,null,false,"Wildfire",null,null,null,false,"Wind"]
[null,false,"Other:"]
[]
["Catastrophe Model Type (check all that apply):"]
[null,false,"Earthquake",null,null,null,false,"Fire Following Earthquake"]
[]
[]
["Non-Catastrophe Model Output Purpose (check all that apply):"]
[null,false,"Rating Plan",null,null,null,false,"Territory",null,null,null,false,"Other:"]
[]
[]
["Model Type:"]
[null,false,"Cluster  / Classification Analysis",null,null,null,false,"Regression Analysis",null,null,null,false,"Other "]
[]
["Model Structure:"]
[null,false,"Generalized Additive Model",null,null,null,false,"Generalized Linear Model",null,null,null,false,"K-Means Cluster Analysis"]
[null,false,"Multilevel Model",null,null,null,false,"Neural Network",null,null,null,false,"Probabilistic"]
[null,false,"Tree-based Models",null,null,null,false,"Other"]
[]
[]
["Model Submission:"]
[null,false,"New/Initial",null,null,null,false,"Revision to Existing Model",null,null,null,false,"Refresh of Data to Existing Model"]
[null,false,"No Revision to Existing Model",null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,"CDI Approved Filing Number of the Existing Model:"]
[null,null,null,null,null,null,null,null,null,null,"SERFF Number of the Existing Model:"]
[]
["Model Development:"]
[null,false,"Company Developed (\"In-House\")",null,null,null,false,"Outside Firm (\"Vendor\")",null,null,{"$f":"IF(G44=TRUE,\"Name of Outside Firm:\",\"\")","v":""}]
[]
[]
[null,null,null,null,null,null,null,"Proposed Overall Rate Change for Filing:",{"$f":"'4.Proposed Impact'!D6","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,"Rate Impact of Model on Proposed Overall Rate Change:"]

{"sheet":"12.2Model Disclosure","index":15,"n_rows":48,"n_cols":16,"rows_kept":48,"cut":false,"hidden":true,"merged":[[43,12,43,14],[5,4,5,9],[12,8,12,10],[16,13,16,14],[17,3,17,4],[24,13,24,14],[28,13,28,14],[33,8,33,9],[37,7,37,9],[38,2,38,4],[39,12,39,13],[40,12,40,13]]}
["State of California",null,null,null,null,null,null,null,null,"Company:",null,null,null,null,null,{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,null,null,null,null,null,null,null,"Line:",null,null,null,null,null,{"$f":"General_Line","v":0}]
[]
["MODEL DISCLOSURE"]
["This page should contain information exclusive to one specific model."]
["Model Name/Model Version:"]
[]
["Catastrophe Model or Non-Catastrophe Model:"]
[null,false,"Catastrophe Model",null,null,null,false,"Non-Catastrophe Model"]
[]
["Model Usage (check all that apply):"]
[null,false,"Underwriting Eligibility",null,null,null,false,"Overall Rate Level"]
[null,false,"Rate Segmentation",null,null,null,false,"Other:"]
[]
["Catastrophe Model Type (check all that apply):"]
[null,false,"Flood",null,null,null,false,"Earthquake",null,null,null,false,"Fire Following Earthquake"]
[null,false,"Terrorism",null,null,null,false,"Wildfire",null,null,null,false,"Wind"]
[null,false,"Other:"]
[]
["Catastrophe Model Type (check all that apply):"]
[null,false,"Earthquake",null,null,null,false,"Fire Following Earthquake"]
[]
[]
["Non-Catastrophe Model Output Purpose (check all that apply):"]
[null,false,"Rating Plan",null,null,null,false,"Territory",null,null,null,false,"Other:"]
[]
[]
["Model Type:"]
[null,false,"Cluster  / Classification Analysis",null,null,null,false,"Regression Analysis",null,null,null,false,"Other "]
[]
["Model Structure:"]
[null,false,"Generalized Additive Model",null,null,null,false,"Generalized Linear Model",null,null,null,false,"K-Means Cluster Analysis"]
[null,false,"Multilevel Model",null,null,null,false,"Neural Network",null,null,null,false,"Probabilistic"]
[null,false,"Tree-based Models",null,null,null,false,"Other"]
[]
[]
["Model Submission:"]
[null,false,"New/Initial",null,null,null,false,"Revision to Existing Model",null,null,null,false,"Refresh of Data to Existing Model"]
[null,false,"No Revision to Existing Model",null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,"CDI Approved Filing Number of the Existing Model:"]
[null,null,null,null,null,null,null,null,null,null,"SERFF Number of the Existing Model:"]
[]
["Model Development:"]
[null,false,"Company Developed (\"In-House\")",null,null,null,false,"Outside Firm (\"Vendor\")",null,null,{"$f":"IF(G44=TRUE,\"Name of Outside Firm:\",\"\")","v":""}]
[]
[]
[null,null,null,null,null,null,null,"Proposed Overall Rate Change for Filing:",{"$f":"'4.Proposed Impact'!D6","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,"Rate Impact of Model on Proposed Overall Rate Change:"]

{"sheet":"12.3Model Disclosure","index":16,"n_rows":48,"n_cols":16,"rows_kept":48,"cut":false,"hidden":true,"merged":[[43,12,43,14],[5,4,5,9],[12,8,12,10],[16,13,16,14],[17,3,17,4],[24,13,24,14],[28,13,28,14],[33,8,33,9],[37,7,37,9],[38,2,38,4],[39,12,39,13],[40,12,40,13]]}
["State of California",null,null,null,null,null,null,null,null,"Company:",null,null,null,null,null,{"$f":"Co_Name","v":0}]
["Department of Insurance (CDI)",null,null,null,null,null,null,null,null,"Line:",null,null,null,null,null,{"$f":"General_Line","v":0}]
[]
["MODEL DISCLOSURE"]
["This page should contain information exclusive to one specific model."]
["Model Name/Model Version:"]
[]
["Catastrophe Model or Non-Catastrophe Model:"]
[null,false,"Catastrophe Model",null,null,null,false,"Non-Catastrophe Model"]
[]
["Model Usage (check all that apply):"]
[null,false,"Underwriting Eligibility",null,null,null,false,"Overall Rate Level"]
[null,false,"Rate Segmentation",null,null,null,false,"Other:"]
[]
["Catastrophe Model Type (check all that apply):"]
[null,false,"Flood",null,null,null,false,"Earthquake",null,null,null,false,"Fire Following Earthquake"]
[null,false,"Terrorism",null,null,null,false,"Wildfire",null,null,null,false,"Wind"]
[null,false,"Other:"]
[]
["Catastrophe Model Type (check all that apply):"]
[null,false,"Earthquake",null,null,null,false,"Fire Following Earthquake"]
[]
[]
["Non-Catastrophe Model Output Purpose (check all that apply):"]
[null,false,"Rating Plan",null,null,null,false,"Territory",null,null,null,false,"Other:"]
[]
[]
["Model Type:"]
[null,false,"Cluster  / Classification Analysis",null,null,null,false,"Regression Analysis",null,null,null,false,"Other "]
[]
["Model Structure:"]
[null,false,"Generalized Additive Model",null,null,null,false,"Generalized Linear Model",null,null,null,false,"K-Means Cluster Analysis"]
[null,false,"Multilevel Model",null,null,null,false,"Neural Network",null,null,null,false,"Probabilistic"]
[null,false,"Tree-based Models",null,null,null,false,"Other"]
[]
[]
["Model Submission:"]
[null,false,"New/Initial",null,null,null,false,"Revision to Existing Model",null,null,null,false,"Refresh of Data to Existing Model"]
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