{"text_format":"1","workbook":"xlsx","n_sheets":23,"sheets":["Version","Instructions","Drop Down","Language","Executive Summary","Analyst Review","Step 1 Non-Confidential","Step 2 NBIB Confidential","Comparision to Previous","Capping Cupping","Rule or Wording Change","Maps","Credit Score Initlal Filing","Credit Score Update","UBI","Commercial Class Info","NBIB Assumption Chart","Data for Graphs","Graphs_PPV","Graphs_Comm","Graphs_ATV SV MC","Merger-Portfolio Transfer","File Close Checklist"],"not_rendered":{"charts":51,"images":2,"macros":1,"external_links":11,"defined_names":85,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Version","index":0,"n_rows":152,"n_cols":17,"rows_kept":152,"cut":false,"hidden":true,"merged":[[143,4,143,11],[144,4,144,11],[0,0,0,12]]}
["VERSION"]
["Change Log"]
["Major","Minor","Date",null,"Note"]
[2,0,"2015-08-06",null,"Major release"]
[null,1,"2015-08-07",null,"Fixed broken macros"]
[null,2,"2015-10-15",null,"IAO taxi and buses wrong rates"]
[null,null,"2015-10-20",null,"Review Summary Sheet - added link to company trends"]
[2016,null,"2016-04-19",null,"added formula for french"]
[null,null,"2016-04-25",null,"formating confidential sheet"]
[null,null,"2016-05-19",null,"deleted sheets, updated language, formatting, updated section m and n, links"]
[null,null,"June 3/16",null,"French translations"]
[3,1,"Jun 6/16",null,"Major release"]
[null,2,null,null,"fixed links and bugs"]
[null,3,"Aug 3/16",null,"removed Liberty and added Liberty Mutual to drop down"]
[null,4,"2016-08-30",null,"add AIG , fix links, graphs, tech review"]
[null,null,null,null,"Remove instructions for Macro and add to Sharepoint policies & processes"]
[null,null,"2016-09-12",null,"Add definition to Start Here Dislocation Table"]
[null,5,null,null,"Correct NBIB Confidential K555 from ROP on indication to ROP on selection"]
[null,6,"2016-10-27",null,"RFG -8 Conf SummSheet Hide rows 554-563"]
[2017,7,"Jan 18/17",null,"Update FA & IAO PPV rates"]
[null,8,"Apr 5/15",null,"Remove companies name from drop down list - Ace, AIG,RBC Northbridge Comm"]
[null,9,"July 5/17",null,"Update IAO misc & comm rates in template, update links"]
[null,10,"2017-07-20",null,"Approval Letters - correct french, signatory, amendments in drop down and language ppv,mc,ant"]
[null,11,"2017-10-05",null,"Step 2 Table 4 drop down reporting as 9 10 instead of y n"]
[null,null,"2017-11-08",null,"delete data from rows input in error while testing"]
[null,null,null,null,"add contact details on Non-Confidential for hearings"]
[null,null,"2017-11-08",null,"add secondary  distribution channel"]
[null,null,"2017-12-12",null,"Sum Prodcut calcualtion New Tech review sheet"]
[null,null,"2017-12-12",null,"corrected French Promutuel name"]
[2018,12,"Jan 12/18",null,"amended approval letters - remove date and cc kevin and kelly"]
[null,null,null,null,"cleaned up formatting and fixed links"]
[null,null,"Jan 25/18",null,"add moped as separate type of vehicle- dropdown list"]
[null,null,null,null,"auto translate Indication only required for RFG - 1 Start Here cover sheet"]
[null,null,"2018-01-25",null,"RELEASED",3.12]
[null,13,"2018-02-12",null,"Commercial type of Use sheet - introduced"]
[null,null,null,null,"FA PPV rates updated"]
[null,null,null,null,"IAO Rates updated"]
[null,null,null,null,"Drop Down Company CCC introduced"]
[null,null,null,null,"macros update"]
[null,null,"2018-02-16",null,"RELEASED",3.13]
[null,14,"2018-02-28",null,"Review Summary Sheet - added conditional formatting filed more than twice in 12 months and total >3%"]
[null,null,null,null,"Change Previous filing to previous rate filing"]
[null,null,null,null,"Data for graphs - average premiums"]
[null,null,"2018-03-01",null,"Correct differentials IAO commercial"]
[null,null,null,null,"RELEASED",3.14]
[null,null,"2018-03-06",null,"Note on IAO threshold non-confidientail sheet",null,null,null,null,"(needs translation)"]
[null,null,null,null,"Note on Table 5 and 16 using only data for the company that the filing is being made for",null,null,null,null,null,null,null,"(not to use company group data)",null,null,null,"(needs translation)"]
[null,null,"2018-03-13",null,"Update Territoiral Data on Data fro Graphs with 2016 3003"]
[null,null,"2018-03-21",null,"Update FA base rates for AB & DCPD"]
[null,null,"2018-03-29",null,"Update FA Comparison - Profile 10.1"]
[null,null,"2018-05-04",null,"Fixed up groups in drop down"]
[null,null,"2018-05-04","10:43:00","RELEASED",3.14]
[null,15,"2018-07-20",null,"add Verassure"]
[null,null,"2018-07-23",null,"RELEASED",3.15]
[null,15,"2018-09-07",null,"update IAO comm and Misc"]
[null,16,"2018-09-10",null,"Macros for unhiding (hiding rows) Row 497-662"]
[null,null,null,null,"RELEASED",3.16]
[null,null,"2018-09-24",null,"Circular errors"]
[null,null,null,null,"formatting"]
[null,null,null,null,"RELEASED","Re-release IAO Comm update (wrong sheets)"]
[null,null,"2018-10-02",null,"Review Summary sheet - delete row 32, amend row 45, format row 272, format H304-318, amend row 380"]
[null,null,"2018-10-24",null,"Update IAO misc rates and formatting"]
[null,17,"2018-11-26",null,"Add Hartford to dropdown list"]
[null,null,"2018-12-17",null,"capping- change wording on non-confidential from Proposed New Capping to Proposed capping in this filing"]
[null,null,null,null,"formatting rows 49-55 305-321 358-382 433-444",null,null,null,null,"review summary sheet"]
[2019,18,"2019-01-02",2019,"Confidential rows 46-92, data validation not linked to dropdown sheet"]
[null,null,null,null,"RELEASED"]
[null,null,"2019-01-04",null,"Approval letters amount linked to cover sheet cell B50 instead of confidential summary sheets"]
[null,null,"2019-01-09",null,"change Promutuel to Promutuel de l'Estuaire, Société mutuelle d'assurance générale for both English and French"]
[null,null,null,null,"corrrection to call B3 link should be to Confidential row 200"]
[null,null,null,null,"Corrected links for RFG_3-6 to revert to Non-confidential D9 fo approvals"]
[]
[null,null,null,null,"RELEASED"]
[null,null,"2019-01-31",null,"New Workbooks - Approval Mult Misc and Calc Weighted Average.  "]
[null,null,"2019-02-01",null,"corrections to form, linking, page formatting"]
[null,19,"2019-02-04",null,"Update FA rates"]
[null,null,null,null,"RELEASED"]
[null,null,"2019-02-05",null,"Add Review cover sheet multi misc"]
[null,null,"2019-02-11",null,"Cover Sheet Multi Misc added links"]
[null,null,"2019-02-20",null,"correction to IAO comm factors"]
[null,20,"2019-03-19",null,"formatting of hiding cells and rows for RFG-2-8.  small changes to RFG - 1 for this, hiding adopt IAO"]
[null,null,null,null,"RELEASED"]
[null,null,"2019-03-27",null,"Data for Graphs current aver Prem cell link corrected to k243 instead of 0147"]
[null,null,"2019-03-28",null,"Cover sheet - overall proposed was linking to confidential o200  capped amount, now linking to non-confidential D9 overall "]
[null,null,null,null,"RELEASED"]
[null,21,"2019-04-17",null,"Staff Review - added version, 3% highlight change to 3.01, delete distribution 67-69, moved capping to 50, formatting 308-320,links row 615"]
[null,null,null,null,"Cover Sheet overall selected rate change added pop up about capping"]
[null,null,null,null,"Confidential added blurb about dates for table 5-11, fixed the highlight for over 3%, comment on tables 23-26 about blank cells."]
[null,null,"2019-04-24",null,"Data for Graphs current aver Prem cell link corrected to current 0132 instead of O147"]
[null,null,null,null,"IAO PPV Rates updated"]
[null,null,null,null,"Update Tech Notes for HSL"]
[null,null,null,null,"Black out cells D,G,J,M 482-497 if not RFG-1"]
[4,4.01,"2019-05-09",null,"Edits, conditional formatting, macros vba"]
[null,null,null,null,"Mostly to the Review Summary Sheet"]
[null,null,null,null,"RELEASED"]
[null,null,"2019-05-13",null,"corrected error on IAO PPV Comp Deductible"]
[null,null,null,null,"RELEASED"]
[null,null,"2019-07-24",null,"Calc Weighted Avg Sheet - corrected formula error"]
[null,null,null,null,"Review Summary Sheet Rows 308-322 correction to formula"]
[null,null,null,null,"Start Here - Added Additional Dislocation Tables for >30%"]
[null,null,"2019-08-16",null,"Review Sheet - cell C309-310 incorrect link"]
[null,null,"2019-12-12",null,"IAO Rates Update - Interurban and Commercial"]
[2020,null,"2020-04-08",null,"Review cover sheet"]
[null,null,null,null,"L75 link fixed,B615 link"]
[null,null,null,null,"capping H141 29% and greater"]
[null,null,null,null,"GH 648 merge"]
[null,null,null,null,"600 font size 9"]
[null,null,null,null,"FA rates updated"]
[null,null,null,null,"formatting various"]
[]
[null,4.0199999999999996,"2020-04-15",null,"RELEASED"]
[]
[null,null,"2020-04-21",null,"error with indication set at 10% corrected"]
[]
[null,null,"2020-04-22",null,"RELEASED"]
[null,4.03,"2020-07-07",null,"Amended Wording  Section E.3 and F Premium Finance Fees row 507-568"]
[null,null,null,null,"Added Linda to the Dropdown"]
[null,null,null,null,"Table 4 additional instructions"]
[null,null,"Aug 12/20",null,"RELEASED"]
[null,null,"2020-08-13",null,"Non-Confidential  Sheet  - added totals for negative dislocation"]
[null,null,null,null,"Instruction sheet - cannot password protect"]
[null,null,"Oct 15/20",null,"Update IAO name"]
[null,null,"2020-10-19",null,"RFG 1&8 typo on French approval - paragraph 2 misc should be mise"]
[null,null,"Oct 19/20",null,"Assumption Chart additions"]
[null,null,null,null,"Version date added"]
[null,null,null,null,"RELEASED"]
[null,null,"2020-11-18",null,"update Eckler in dropdown Review cover sheet"]
[null,null,"2020-11-19",null,"Confidential Summary Sheet"]
[null,null,null,null,"Rows","287, 406,460,549,550,376"]
[null,null,"2020-12-15",null,"Assumption Chart additions"]
[null,null,null,null,"Rate change data for Pricing study"]
[null,null,"2020-12-17",null,"Table 24 Expenses made changes to Table"]
[null,null,"2020-12-22",null,"reconciled all cells confidential to Language sheet"]
[]
[null,null,"2021-10-14",null,"Rule change sheet - expanded current wording and proposed wording sections"]
[]
[2022,null,"2022-11-21",null,"Updated Approval Letters, Drop down sheet, hide sheets and lock document"]
[null,null,null,null,"RELEASED"]
[]
[2023,5.07,"2023-02-07",null,"Appoval Letter - footer with tel/email info"]
[null,5.08,"2023-04-20",null,"Removed on Start Here NBIB Cover Sheet: numbers which were still in Table 2 Dislocation table, test was in row 70, took out exposures on row 76 and 86.  Expanded page break from line 69 to 149"]
[null,null,null,null,"Removed info on Table 27 and 28 on Capping Cupping Sheet"]
[]
[6,6.01,"2024-06-17",null,"Worksheet revisions (instructions, Merger-Portfolio Transfer), renamed Step 1 NBIB Confidential, Credit Score Initial File, Commercial Class Info, and removed outdated/old version do not use worksheets."]
[null,null,null,null,"Added Belair to the drop down tab."]
[null,null,null,null,"Approval letters reviewed and amended."]
[2026,null,null,null,"RELEASED"]
[6,6.02,"2026-01-09",null,"Added Niomi's name"]
[]
[null,6.1,"2026-04-28",null,"Drop-down - Added Endurance, National Liability, and Promutuel new Company name to drop down."]
[null,null,null,null,"Conf Sheet - Revised wording of \"No Change\" in table 4"]
[null,null,null,null,"Formatting/Font = Arial Changes"]

{"sheet":"Instructions","index":1,"n_rows":56,"n_cols":2,"rows_kept":56,"cut":false,"hidden":false,"merged":[[11,0,11,14],[12,0,12,14],[14,0,14,4],[7,0,7,14],[8,0,8,14],[9,0,9,14],[10,0,10,14],[0,0,0,14],[2,0,2,14],[3,0,3,14],[6,0,6,14],[4,0,4,4],[19,0,19,4],[22,0,22,4],[24,0,24,14],[27,0,27,4],[28,1,28,14],[20,1,20,11],[25,0,25,14],[29,0,29,4],[30,1,30,14],[31,0,31,4],[32,1,32,14],[33,0,33,4],[34,1,34,14],[35,0,35,4],[36,1,36,14],[37,0,37,4],[38,1,38,14],[39,0,39,4],[40,1,40,14],[41,0,41,4],[42,1,42,14],[44,0,44,14],[51,0,51,4],[52,1,52,14],[53,1,53,14],[46,0,46,4],[47,0,47,4],[48,0,48,4],[49,0,49,4],[50,0,50,4]]}
["INSTRUCTIONS"]
[]
["GENERAL INSTRUCTIONS"]
[]
["Instructions"]
["Please ensure this document is the most recent version available by downloading it from the Board's website (link is under Technical notes section)."]
["Refer to the most recently published Filing Guidelines availble on our website for further instructions on filing (link is under Technical notes section)."]
["Sheets and/or Workbooks CANNOT be password protected."]
["Cells that are formatted in GREEN must be completed.  If not applicable answer N/A."]
["For any issues, concerns, or questions, contact filings@nbib-canb.org"]
["For Pending Mergers or Portfolio Transfers,contact filings@nbib-canb.org"]
[]
["MANDATORY WORKSHEETS"]
[]
["Step 1 NBIB Non-Confidential"]
[null,"Select Company Name on cell C5"]
[null,"Select Vehicle Type at I7"]
[null,"Refer to Row 3 for the NBIB Document Name information for the proper naming of your documents"]
[]
["Step 2 NBIB Confidential"]
[null,"If not rating using the 11 statistical territories, enable macros for additional 4 tables to be generated to complete"]
[]
["Comparison to Previous (RFG-1 filings only)"]
[]
["OPTIONAL WORKSHEETS"]
["To be completed as applicable to the filing being submitted."]
[]
["Capping Cupping"]
[null,"Details on current or proposd capping and/or cupping. "]
["Rule or Wording Change"]
[null,"Rule change document is to be used for the following manual page changes: Rating Rules, Underwriting Rules, Discounts, Surcharges, Endorsements."]
["Maps"]
[null,"Map of rating Territories is required if rating territories used are not the 11 NB statistical territories."]
["Reference \"Vehicle Class\" Comparison (RFG-2 filing)"]
[null,"Complete for RFG-2 filings for the corresponding vehicle class."]
["Credit Score Initial File"]
[null,"Questions to complete for introducing credit score as a rating variable."]
["Credit Score Update"]
[null,"Annual update on Credit Score uptake and average discount."]
["UBI"]
[null,"Information to be provided on a usage-based insurance program."]
["Commercial Class Info"]
[null,"Information to be provided on types of Commercial vehicles written."]
[]
["TECHNICAL NOTES TO AID IN FILING"]
[" "]
["NBIB Website"]
["Filing Guidelines"]
["Insurance Act"]
["Regulations"]
["Prohibited Underwriting Practices"]
["NBIB Information Bulletins"]
["2018-001","Health Services Levy - Refer to most recent GISA Publication Auto 1003 Exhibit Introduction and Actual Loss Ratio Exhibit for Atlantic Provinces"]
[" ","TAX Rate to be used when preparing filing"]
[]
[" "]

{"sheet":"Drop Down","index":2,"n_rows":215,"n_cols":4,"rows_kept":215,"cut":false,"hidden":true,"merged":[[20,0,20,2],[0,0,0,2]]}
["DO NOT INSERT ROWS BETWEEN HERE"]
["English","French","Short Name","Group"]
["Language","Language"]
["English","Anglais","en","E"]
["French","Francais","fr","F"]
[]
["RFG","RFG","RFG"]
["RFG - 1 Major Rate Filing","Dépôt de tarification majeur RFG-1","RFG-1"]
["RFG - 2 Reference Rates","Tarifs de référence RFG-2","RFG-2"]
["RFG - 3 Rate Group Update Filing","Dépôt de mise à jour des groupes de tarifs RFG-3","RFG-3"]
["RFG - 4 Rating Rule Filing","Dépôt de règle(s) de tarification RFG-4","RFG-4"]
["RFG - 5 Endorsement Filing","Dépôt d'avenant(s) RFG-5","RFG-5"]
["RFG - 6 Underwriting Rule Filing","Dépôt de règle(s) de souscription RFG-6","RFG-6"]
["RFG - 7 Simplified Rate Filing","Dépôt de tarification simplifié RFG-7","RFG-7"]
["RFG - 8 Minor Rate Filing","Dépôt de tarification mineur RFG-8","RFG-8"]
["Initial Filing","Dépôt initial","Initial"]
["Acquision/Merger Filing","Dépôt d'acquisition/fusion","A/M"]
["Harmonization Filing","Dépôt d'harmonisation","Harm"]
["Portfolio Roll-over Filing","Dépôt de reconduction de portefeuille","Port"]
["Other (specify)","Autre dépôt (préciser)","Other"]
["DO NOT INSERT ROWS BETWEEN HERE"]
[]
["Vehicle Class","Vehicle Class","Vehicle Class"]
["Private Passenger Vehicles","Véhicules particuliers (de type familial)","PPV"]
["All Terrain Vehicles","Véhicules tout-terrain","ATV"]
["Ambulances","Ambulances","AMB"]
["Antique and Classic","Anciennes et classiques","ANT"]
["Camper Trailers","Remorques et autocaravanes détachables","CT"]
["Commercial","Commerciale","COMM"]
["Commercial and Interurban","Commerciale + Interurbain","COMM-INT"]
["Interurban","Interurbain","INT"]
["Mopeds","Cyclomoteurs","MPD"]
["Motorcycles","Motocyclettes","MC"]
["Motorcycles and Mopeds","Motocyclettes et Cyclomoteurs","MC+MPD"]
["Motorhome, Camper, Trailer","Autocaravanes + Remorques et autocaravanes détachables","MH"]
["Motorhomes","Autocaravanes","MH"]
["All Other Personal Use","Autres véhicules personnels","All-Other-Pers"]
["All Other Public Use","Autres véhicules publics","All-Other-Pub"]
["Private Bus","Autobus privés","Pr-Bus"]
["Public Bus","Autobus publics","Pu-Bus"]
["School Bus","Autobus scolaire","S-Bus"]
["Snow Vehicles","Véhicules d'hiver","SV"]
["Taxi & Limo","Taxi","Taxi"]
["All Incl PPV","All Incl PPV(ALL)","ALL"]
["All Buses","Autobus","All Buses"]
["Company Name","Company Name","Company Name","Group Name"]
["Allstate Insurance Company of Canada","Allstate du Canada Compagnie d'Assurance ","Allstate","Allstate"]
["Aviva General Insurance Company","Aviva, Compagnie d'Assurance Générale","Aviva-Gen","Aviva"]
["Aviva Insurance Company of Canada","Aviva Compagnie d'Assurance du Canada","Aviva","Aviva"]
["Belair Insurance Company Inc.","la Compagnie d'Assurance Belair Inc.","Belair","Intact"]
["CAA Insurance Company","CAA Insurance Company ","CAA"]
["Certas Home and Auto Insurance Company ","Certas, compagnie d'assurances auto et habitation\n","Certas","Desjardins"]
["Chubb Insurance Company of Canada","Chubb du Canada Compagnie d'Assurance","Chubb"]
["Continental Casualty Company","Continental Casualty Company","CCC"]
["Co-operators General Insurance Company ","Compagnie d'Assurance Générale Co-operators","CGIC","Co-operators"]
["CUMIS General Insurance Company","Compagnie d'Assurance Générale Cumis ","CUMIS","Co-operators"]
["Definity Insurance Company ","La Compagnie d'Assurance Definity","Definity","Economical"]
["Dominion of Canada General Insurance Company, The","Compagnie d'Assurance Générale Dominion du Canada ","Dominion","Travelers"]
["Echelon Insurance ","Echelon Assurance ","Echelon"]
["Elite Insurance Company","Compagnie d'Assurances Elite ","Elite","Aviva"]
["Endurance Specialty Insurance","Endurance Specialty Insurance","Endurance","Sompo"]
["Facility Association","Facility Association ","FA"]
["Federated Insurance Company of Canada","La Federated Compagnie d'Assurance du Canada ","Federated","Northbridge"]
["Hartford Fire Insurance Company","Hartford Fire Insurance Company","Hartford"]
["Insurance Company of Prince Edward Island","Insurance Company of Prince Edward Island ","ICPEI"]
["Intact Insurance Company ","Intact Compagnie d'Assurance ","Intact","Intact"]
["Liberty Mutual Insurance Company","La Compagnie d'Assurance Liberté Mutuelle","Liberty"]
["Lloyd's Underwriters","Souscripteurs du Lloyd’s","Lloyds"]
["National Liability & Fire Insurance","National Liability & Fire Insurance","NLFire"]
["Northbridge General Ins Co","Compagnie Canadienne d'Assurances Générales Northbridge","Northbridge-G","Northbridge"]
["Northbridge Group","Groupe Northbridge ","Northbridge-Gr","Northbridge"]
["Pafco Insurance Company","Pafco Compagnie d'Assurance ","Pafco","Allstate"]
["Pembridge Insurance Company","Pembridge Compagnie d'Assurance ","Pembridge","Allstate"]
["Personal Insurance Company, The","La Personnelle Compagnie d'Assurances ","Personal","Desjardins"]
["Portage la Prairie Mutual Insurance Company, The","Portage la Prairie Mutual Insurance Company, The ","Portage"]
["Primmum Insurance Company","Primmum Compagnie d'Assurance ","Primmum","TDI"]
["Promutuel Côte-Est, société mutuelle d'assurance générale","Promutuel Côte-Est, société mutuelle d'assurance générale","Promutuel-C"]
["Protective Insurance Company","Protective Insurance Company","Protective"]
["Security National Insurance Company","Sécurité Nationale Compagnie d'Assurance ","Security","TDI"]
["Sompo Japan Insurance Inc.","La Compagnie d'Assurance Sompo","Sompo"]
["Sonnet Insurance Company","Compagnie d'Assurances Sonnet","Sonnet","Economical"]
["Sovereign General Insurance Company, The","La Souveraine Compagnie d'Assurance Générale ","Sovereign","Co-operators"]
["TD Home and Auto Insurance Company","Compagnie d'Assurance habitation et auto TD","TDHA","TDI"]
["Tokio Marine & Nichido Fire Insurance Co., Ltd.","Tokio Maritime & Nichido Incendie Compagnie d'Assurances Ltée ","Tokio","Northbridge"]
["Traders General Insurance Company","Compagnie d'Assurance Traders Générale ","Traders","Aviva"]
["United General Insurance Corporation","United General Insurance Corporation ","UGen"]
["Verassure Insurance Company","Compagnie d'assurance Verassure","VIC","Northbridge"]
["Wawanesa Mutual Insurance Company, The","Wawanesa Mutual Insurance Company, The ","Wawanesa"]
["XL Specialty Insurance Company","Compagnie d'assurance XL Spécialité","XLS"]
["Zenith Insurance Company","Compagnie d'Assurance Zenith ","Zenith","Northbridge"]
[]
[]
[]
[]
[]
[]
[]
[]
["Market","Market","Market"]
["Standard","standard"]
["Non-Standard","non-standard"]
["Preferred","préféré"]
["Fleet","flotte"]
["Group","groupe"]
["Direct Writer","direct"]
["Accommodation","accomadation"]
[]
["Yes/No","Yes/No","Yes/No"]
["Yes","Oui"]
["No","non"]
["n/a","pas applicable"]
["Pending","en attendant"]
[]
["Distribution","Distribution","Distribution"]
["Agent","agent"]
["Broker","courtier"]
["Direct Writer","écrivain directe"]
["Fleet","flotte"]
[]
["Capping","Capping","Capping"]
["Policy","police "]
["Vehicle","véhicule"]
["Territory","territoire"]
["Coverage","couverture"]
["Other","autre"]
[]
["Rate Group Table","Rate Group Table","Rate Group Table"]
["CLEAR with Collision, DCPD and Comprehensive SEPARATED"]
["CLEAR Collision and DCPD COMBINED"]
["CLEAR Colision, DCPD and Comprehensive COMBINED"]
["LPN","LPN"]
["MSRP","MSRP"]
["IAO Rate Group Table","IAO"]
["Other (specify)","autre"]
[]
["Rate Making Method","Rate Making Method","Rate Making Method"]
["Pure Premium","prime pure"]
["Loss Ratio","taux des sinistres"]
["Other (specify)","autre(préciser)"]
[]
["Subrogation","Subrogation","Subrogation"]
["Gross","brut"]
["Net","net"]
[]
["Internal Use","Internal Use","Internal Use"]
["In House","Full Actuarial"]
["Eckler","Oversight Only"]
["KPMG"]
["Other"]
[]
["Data Type"]
["Accident Year"]
["Policy Year "]
["Other"]
[]
["Niomi Monteiro"]
["Brenda Cummings"]
["Tracy Cyr"]
["Tessa Stright"]
["Linda MacMorrough"]
["Y","O/N","Y/N"]
["N","N"]
[]
["RFG","RFG","RFG"]
["RFG - 1 Major Rate Filing","Dépôt majeur de demande de tarification RFG-1","RFG-1"]
["RFG - 2  IAO Rate Filing ","Dépôt de demande de tarification d'IAO RFG-2","RFG-2"]
["RFG - 7 Simplified Rate Filing","Dépôt de demande de tarification simplifié RFG-7","RFG-7"]
["RFG - 8 Minor Rate Filing ","Dépôt mineur de demande de tarification RFG-8","RFG-8"]
["Initial Filing","Dépôt initial","Initial"]
["Acquision/Merger Filing","Dépôt d'acquisition/fusion","A/M"]
["Harmonization Filing","Dépôt d'harmonisation","Harm"]
[]
[]
[]
["Unused?","Unused?"]
["COMM","Base Rates"]
["MISC","Differentials"]
["IU","Justification"]
["PPV","UW rules"]
[null,"Rating Rules"]
[null,"Rate Structure"]
[null,"Territories"]
[null,"Other "]
[]
[]
[]
["In Force -Internal Company Data"]
["Transactional -Internal Company Data"]
["GISA Industry Data"]
["GISA Company Data"]
["Other"]
[]
["Finance Fees"]
["Flat Fee"]
["Percent of Premium"]
["Other"]
[]
["Directly"]
["Third Party"]
["Directly & Third Party"]
[]
[]
["Yes"]
["No"]
[]
["Flat Fee"]
["Percentage of Premium"]
["Other"]
[]
[]
["Rating Rule"]
["U/W Rule"]
["Discount"]
["Surcharge"]
["Endorsement"]

{"sheet":"Language","index":3,"n_rows":1088,"n_cols":12,"rows_kept":1088,"cut":false,"hidden":true,"merged":[[1066,0,1066,4],[1067,0,1067,4]]}
["English","French",null,null,"Indicate Attachments Included with rate filing: (see also Filing Docs Worksheet)","Indiquer les pièces jointes incluses avec le dépôt de demande : (voir aussi Feuille de travail des documents de dépôt) "]
["NBIB Cover Sheet","Feuille couverture CANB",null,null,"Cover Letter outlining changes being proposed (Non-Confidential)","Lettre d’accompagnement décrivant les changements projetés (Non-Confidentiel)"]
["Non-confidential Summary Sheet Submission",null,null,null,"Letter of Authorization by an officer of the company on whose behalf the filing is being made (Non-Confidential)","Lettre d'autorisation signée par un officier de la compagnies au nom de laquelle la demande est déposée (Non-Confidentiel)"]
["**Please Ensure Macros are Enabled on the Spreadsheet**",null,null,null,"FA Statement Signed statement from CEO - No cost for company's portion of FA (Non-Confidential)","Déclaration de la FA signée par le PDG - Aucun frais pour la portion FA de la compagnie (Non-Confidentiel)"]
["Language","Langue",null,null,"NBIB Summary Sheet (Non-Confidential)","Récapitulatif CANB (Non-Confidentiel)"]
["Billing Number:","Nombre de facturation :",null,null,"Current  Manual Pages including rates, discounts & surcharges, underwriting and rating rules (Non-Confidential)","Pages du manuel courant y compris tarifs, escomptes et frais supplémentaires, règles de souscription et règles tarifaires (Non-Confidentiel)"]
["Submit Filing to:",null,null,null,"Proposed Manual Pages including rates, discounts & surcharges, underwriting and rating rules (Non-Confidential)","Pages du manuel projeté y compris tarifs, escomptes et frais supplémentaires, règles de souscription et règles tarifaires (Non-Confidentiel)"]
["NBIB Document  Name:","CANB Nom de document",null,null,"Current Base Rates and Differentials (Confidential)","Tarifs de base et les écarts courants  (Confidentiel)"]
["Company Name","Nom de la compagnie :",null,null,"Proposed Base Rates and Differentials (Confidential)","Tarifs de base et les écarts projetés (Confidentiel)"]
["Date of Filing:","Date :",null,null,"Side by side comparison of current vs proposed base rates & differentials (Confidential)","Fournir une comparaison côte à côte des tarifs et des différentielles courants comparés à projetés (Confidentiel)"]
["Group (Auto Fill, if applicable)",null,null,null,"Current and Proposed Rating Algorithm(s) (Confidential)","Algorithme(s) actuel(s) et projecté(s) (Confidentiel)"]
["YYYY-MM-DD","AAAA/MM/JJ",null,null,"NBIB Wording Changes Underwriting, Rating, Manual or Endorsment (Confidential)","CANB changements de libellé, souscription, tarification, manuel ou avenant (Confidential)"]
["Company Short Name","nom de l'entreprise à court",null,null,"NBIB Completed Applicable Profiles (Confidential) ","CANB Profils applicable complétés (Confidentiel) "]
["Amendment Date(s):","Date de l’amendement :",null,null,"NBIB IAO rate comparision (Confidential)","NBIB IAO rate comparision (Confidential)"]
["Filing Type:","Description du dépôt de demandes projeté :",null,null,"NBIB FA Comparision (Confidential)","Comparaison CANB FA (Confidentiel)"]
["Vehicle Type:","Type de véhicule :",null,null,"Territorial Map if Rating Territories differ from the 11 statistical territories for PPV only (Confidential)","Carte géographique territoriale si les territoires de tarification diffèrent des 11 territoires statistiques pour véhicules de tourisme seulement (Confidentiel)"]
["timetable continued (if required)",null,null,null,"NBIB Summary Sheet (Confidential)","Récapitulatif CANB (Confidentiel)"]
["Overall Selected Rate Change:","Changement global de tarifs sélectionné",null,null,"Actuarial Justification (Confidential)","Justification actuarielle (Confidentiel)"]
["Before Capping",null,null,null,"FINAL Filing","Dépôt de demande FINAL"]
["After Capping"]
["OFFICE USE ONLY","UTILISATION D'OFFICE SEULEMENT"]
["Indicated Rate change","Changement de tarif indiqué"]
["Indication only Required for RFG - 1","Indication seulement requise pour RFG - 1"]
["**Hearing Trigger** overall rate change that is greater than 3%"]
["Proposed Effective Dates:","Date d'entrée en vigueur projetés"]
["New Business","Nouveaux contrats"]
["Renewal Business","Renouvellement contrats"]
["**Hearing Trigger** …average rate increase is more than 3% greater than the rates charged by it in the 12 months before the date on which it proposes to begin to charge rates.  Insurance Act Sec 267.51 (1) (b)"]
["Non-Confidential Company Information","Informations sur la compagnie non-confidentielle"," "]
["FINAL Filing Received","Dépôt de demande FINAL"]
["Information on Previous RATE Filing","Informations sur le dépôt de taux précédent"]
["Provide the following information on the previous RATE filing for this class of vehicle:","Fournir l'information ci-après au sujet du dépôt de demande précédent pour cette catégorie de véhicule :"]
["NBIB Reference Number","NBIB Nombre de facturation"]
["Approved Rate Change","Changement de tarif approuvé"]
["Date of Filing","Déposé le"]
["Previous Filing Type","Type de Dépôt de demande précédent"]
["Current Average Premium","Primes moyennes « courantes »"]
["Proposed Average Premium","Primes moyennes « projetées »"]
["Effective dates"]
["In force exposures"]
["Inforce premium"]
["Contact Information","Coordonnées :  Personne préparée à répondre par courriel aux questions de la CANB"]
["Name and Title","Nom et titre"]
["Name","Nom"]
["Title","titre"]
["Phone Number","Numéro de téléphone"]
["Email Address","Adresse de courriel"]
["Mailing Address","Adresse postale: "]
["Distribution"]
["Target Market","Segments de marché"]
["Primary Market","Marché cible principal"]
["Distribution Channel","Canaux de distribution"]
["Adopting rates from a Sister Company","Adoption des tarifs d'une société sœur :"]
["Part of a Group of Companies?","Partie d'un groupe de compagnie?"]
["Sister Company adopting rates","Société sœur adoptant les tarifs :"]
["If Yes","Si oui :"]
["From which Company","De quelle compagnie :"]
["Indicate Group","Indiquer le groupe :"]
["Hearing Notification* contact(s) to notify if Hearing Notice is to be issued","Avis d’audience*  – personnes avec qui communiquer si un avis d’audience doit être délivré"]
["Name and Title","Nom et titre"]
["Secondary distribution channel","Réseau de distribution secondaire"]
["Details on what coverages are being adopted","Détails sur les couvertures/règles adoptées"]
["Coverages:","Protections:"]
["Details"]
["Dependent Vehicles ","Véhicules dépendante "]
["Are there dependent vehicles?","Véhicules dépendante?"]
["If yes, complete information below:","Si oui, veuillez fournir les détails ci-dessous :"]
["Dependant Class (list all)","Class dépendante (énumérer toutes)"]
["Coverages Affected","Couverture affectée"]
["Rate Level Impact ","Impact "]
["Capping/Cupping"]
["Current Capping/Cupping"]
["If Yes","Si oui :"]
["complete capping/cupping Worksheet contained inthis workbook"]
["Proposed changes to capping/cupping or introducing new capping/cupping"]
["Table 2 - Dislocation Tables","Table 2 - Tables de dislocation "]
["Dislocation Before Capping/Cupping","Dislocation avant plafonnement"]
["Table 1.a Before Capping/Cupping","Tableau 1.a avant plafonnement"]
["Impact on Mandatory + Optional Coverages Combined","Impact sur la couverture obligatoire + couverture facultative combiné"]
["mandatory + optional is the entire book of business all policies with \"full coverage\" + those with only mandatory coverage"]
["Range of Rate Change","Plage de changement de tarif"]
["Exposures","Risques"]
["% Affected","% affecté"]
["Increase of more than 20.1%","Augmentation de plus de 20,1 %"]
["Increase of 15.1% to 20%","Augmentation de 15,1 % à 20 %"]
["Increase of 10.1% to 15%","Augmentation de 10,1 % à 15 %"]
["Increase of 5.1% to 10%","Augmentation de 5,1 % à 10 %"]
["Increase of 0.1% to 5%","Augmentation de 0,1 % à 5 %"]
["NO CHANGE","AUCUN CHANGEMENT"]
["Decrease of 0.1% to 5%","Diminution de 0,1 % à 5 %"]
["Decrease of 5.1% to 10%","Diminution de 5,1 % à 10 %"]
["Decrease of 10.1% to 15%","Diminution de 10,1 % à 15 %"]
["Decrease of 15.1% to 20%","Diminution de 15,1 % à 20 %"]
["Decrease of more than 20.1%","Diminution de plus de 20,1 %"]
["TOTAL","TOTAL"]
["Notes or Comments - Explanation for any Dislocation >10%","Remarques ou commentaires - Explication pour dislocation de plus de 10 %"]
["If there is dislocation greater than 10%, complete table(s) below:","Si dislocation de plus de 10 %, complétez svp table(s) ci-dessous :"]
["Dislocation  After Capping","Dislocation après plafonnement"]
["Disbursement over 10%"]
["% of whole book"]
["Increase of 19.1% to 20%"]
["Increase of 18.1% to 19%"]
["Increase of 17.1% to 18%"]
["Increase of 16.1% to 17%"]
["Increase of 15.1% to 16%"]
["Increase of 14.1% to 15%"]
["Increase of 13.1% to 14%"]
["Increase of 12.1% to 13%"]
["Increase of 11.1% to 12%"]
["Increase of 10.1% to 11%"]
[]
["Increase of 29.1% to 30%"]
["Increase of 28.1% to 29%"]
["Increase of 27.1% to 28%"]
["Increase of 26.1% to 27%"]
["Increase of 25.1% to 26%"]
["Increase of 24.1% to 25%"]
["Increase of 23.1% to 24%"]
["Increase of 22.1% to 23%"]
["Increase of 21.1% to 22%"]
["Increase of 20.1% to 21%"]
["For increases greater than 30.1% fill in tables starting at row 90"]
[]
["Increase of 30.1% to 31%"]
["Increase of 31.1% to 32%"]
["Increase of 32.1% to 33%"]
["Increase of 33.1% to 34%"]
["increase of 35.1% to 36%"]
["Increase of 34.1% to 35%"]
["Increase of 36.1% to 37%"]
["Increase of 37.1% to 38%"]
["Increase of 38.1% to 39%"]
["Increase of 39.1% to 40%"]
[]
["Increase of 40.1% to 41%"]
["Increase of 41.1% to 42%"]
["Increase of 42.1% to 43%"]
["Increase of 43.1% to 44%"]
["Increase of 44.1% to 45%"]
["Increase of 45.1% to 46%"]
["Increase of 46.1% to 47%"]
["Increase of 47.1% to 48%"]
["Increase of 48.1% to 49%"]
["Increase of 49.1% to 50%"]
[]
["Increase of 50.1% to 51%"]
["Increase of 51.1% to 52%"]
["Increase of 52.1% to 53%"]
["Increase of 53.1% to 54%"]
["increase of 55.1% to 56%"]
["Increase of 54.1% to 55%"]
["Increase of 56.1% to 57%"]
["Increase of 57.1% to 58%"]
["Increase of 58.1% to 59%"]
["Increase of 59.1% to 60%"]
[]
["Increase of 61.1% to 62%"]
["Increase of 60.1% to 61%"]
["Increase of 62.1% to 63%"]
["Increase of 63.1% to 64%"]
["increase of 65.1% to 66%"]
["Increase of 64.1% to 65%"]
["Increase of 66.1% to 67%"]
["Increase of 67.1% to 68%"]
["Increase of 68.1% to 69%"]
["Increase of 69.1% to 70%"]
[]
["Increase of 70.1% to 71%"]
["Increase of 71.1% to 72%"]
["Increase of 72.1% to 73%"]
["Increase of 73.1% to 74%"]
["increase of 75.1% to 76%"]
["Increase of 74.1% to 75%"]
["Increase of 76.1% to 77%"]
["Increase of 77.1% to 78%"]
["Increase of 78.1% to 79%"]
["Increase of 79.1% to 80%"]
[]
["Increase of 80.1% to 81%"]
["Increase of 81.1% to 82%"]
["Increase of 82.1% to 83%"]
["Increase of 83.1% to 84%"]
["increase of 85.1% to 86%"]
["Increase of 84.1% to 85%"]
["Increase of 86.1% to 87%"]
["Increase of 87.1% to 88%"]
["Increase of 88.1% to 89%"]
["Increase of 89.1% to 90%"]
[]
["Increase of 90.1% to 91%"]
["Increase of 91.1% to 92%"]
["Increase of 92.1% to 93%"]
["Increase of 93.1% to 94%"]
["increase of 95.1% to 96%"]
["Increase of 94.1% to 95%"]
["Increase of 96.1% to 97%"]
["Increase of 97.1% to 98%"]
["Increase of 98.1% to 99%"]
["Increase of 99.1% to 100%"]
[]
["Increase of 100.1% to 101%"]
["Increase of 101.1% to 102%"]
["Increase of 102.1% to 103%"]
["Increase of 103.1% to 104%"]
["increase of 105.1% to 106%"]
["Increase of 104.1% to 105%"]
["Increase of 106.1% to 107%"]
["Increase of 107.1% to 108%"]
["Increase of 108.1% to 109%"]
["Increase of 109.1% to 110%"]
[]
["END NON-CONFIDENTIAL"]
[]
["CAPPING/CUPPING SUBMISSION"]
[]
["Comment"]
["Table 27 - Capping/Cupping of Individual Rates"]
["Capping amount"]
["Cupping Amount"]
["Are you continuing with current capping/cupping?"]
["When was capping/cupping currently introduced?"]
["Capping/cupping of individual rate by:"]
["If other, provide comment:"]
["When will capping/cupping be removed"]
["Proposed New Capping/Cupping"]
["Provide rationale as to why capping/cupping is proposed?"]
["Provide details on expected date of removal"]
["Any further comment in regards to capping/cupping"]
["Table 28 Capping of INidcated"]
["Capping of indicated rate level"]
["Provide rationale as to why capping was implemented"]
["Provide details on how capping will be applied, amount/coverage etc.:"]
["Capping of Differentials"]
["Provide rationale as to why capping was implemented:"]
["Provide details on how capping will be applied, amount/coverage etc.:"]
["Capping of Discounts/Surcharges:"]
["Any further comment in regards to capping:"]
[]
[]
["Written Premium","Primes souscrite"]
["This information is available on the header of your prior approval letter received from the Board.  See cells  H-I 56--58","Cette information est disponible sur l'en-tête de votre lettre d'approbation préalable reçue de la Commission.  Voir cellules H-I 56--58"]
["Submit Filing to:","Présenter le dépôt de demande à : "]
[]
["Step 2 NBIB Non-Confidential","Non-Confidentiel CANB"]
[]
[]
[]
["Capping Amount","Montant plafonnement"]
["On what basis","Sur quelle base"]
["Proposed capping in this filing","plafonnement proposé dans ce dépôt"]
["Capping Amount","Montant plafonnement"]
["On what basis","Sur quelle base"]
["For Portfolio Transfer or Mergers ONLY","Pour le transfert de portefeuille ou les fusions SEULEMENT\n"]
["At 12 month renewal","à 12 mois de renouvellement"]
["At 24 month renewal","à 24 mois de renouvellement"]
["At 36 month renewal","à 36 mois de renouvellement"]
["At 48 month renewal","à 48 mois de renouvellement"]
[]
[]
[]
["Table 1 Impact on Mandatory Coverages","Table 1 - Impact sur la couvertures obligatoires"]
["Table 2 Impact on Optional Coverages","Table 2 - Impact sur la couvertures facultatives "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Step 4 Wording Change Document","Changement au libellé"]
["CURRENT WORDING IN MANUAL","LIBELLÉ COURANT DANS LE MANUAL"]
["PROPOSED WORDING","LIBELLÉ PROJETÉ"]
["SHORT DESCRIPTION OF CHANGE AND REASONING","COURTE DÉSCRIPTION DU CHANGEMENT ET ARGUMENTATION"]
["PREMIUM IMPACT (existing insureds)","IMPACT SUR LA PRIME (assurés actuels)"]
["Insert Page Number","Insérer le numéro de page"]
["Insert Rule Number","Insérer le numéro de la règle"]
["Insert Name of Rule","Insérer le nom de la règle"]
[]
[" NBIB Confidential","Confidentiel CANB"]
["Proposal","Proposition"]
["Purpose and Scope","But et portée"]
["Provide a complete description of the purpose and scope of this filing.  Include specific identification of any changes including rules, discounts and surcharges.","Une description complète du but et de la portée de la demande déposés, y compris l'identification spécifique de tout changement aux définitions des catégories de classification des risques, y compris les escomptes et les frais supplémentaires."]
["Table 4 - Proposed Changes","Tableau 4 - Changements Proposés"]
["Y/N","O/N"]
["Description of proposed change(s)","Description de changement(s) projetés"]
["Impact","Impact"]
["Risk Classification","Classification des risques"]
["No Change","Pas de Changement"]
["Base Rate Changes","Changements aux tarifs de base"]
["NOT due to off balancing differential/discount changes. Uniform by territory","Pas causé par le déséquilibre des changements d’écart ou d’escompte uniformes par territoire"]
["NOT due to off balancing differential/discount changes. NOT uniform by territory","Pas causé par le déséquilibre des changements d’écart ou d’escompte pas uniformes par territoire"]
["Due to off balancing differential/discount changes. Uniform by territory","Causé par le déséquilibre des changements d’écart ou d’escompte uniformes par territoire"]
["Due to off balancing differential/discount changes. NOT uniform by territory","Causé par le déséquilibre des changements d’écart ou d’escompte pas uniformes par territoire"]
["Other:","Autre"]
["Differentials Changes","Changements aux écarts "]
["Classification","Classification"]
["Limits of liability","Limite d'indemnité"]
["Driving Record/Years Licensed differentials","Dossier de conduite/Écarts d'années titulaire de permis"]
["Limit differentials","Écarts limites"]
["Deductible differentials","Écarts de franchise"]
["Territorial Differentials","Écarts territoriaux"]
["Other:","Autre"]
["Algorithm Changes","Changements au algorithme"]
["Rating and Underwriting Rule Changes","Changements de tarification et de règles de souscription"]
["Amending rules","Amendements de règlements"]
["Adding Rules","Ajout de règlements"]
["Deleting Rules","Suppression de règlements"]
["Discount Changes","Changements d'escomptes et frais supplémentaires"]
["Surcharge Changes"]
["Amending rules","Amendements de règlements"]
["Adding Rules","Ajout de règlements"]
["Deleting Rules","Suppression de règlements"]
["Definition Changes","Changements de définitions"]
["Territorial Definitions","Définitions territoriales"]
["Years Licensed Definitions","Définitions d'années titulaire de permis"]
["Endorsement Changes"," Changements avenants"]
["Amending Endorsement","Amendements de règlements"]
["Adding Endorsement","Ajout de règlements"]
["Deleting Endorsement","Suppression de règlements"]
["IAO - Adopt Most recent Approved IAO Base Rates and Differentials Tables","IAO - Adopter les plus récentes approuvées IAO Taux de base et écarts"]
["IAO Rate Table currently being used (YEAR)","Tarifs IAO actuellement utilisé (Année)"]
["IAO Rate Table proposed (YEAR)","IAO tarifs proposés (Année)"]
["No deviation from IAO Rate Table","Aucun écart de tarifs d'IAO"]
["Rationale for adopting IAO Rate : ","Justification de l'adoption IAO Taux : "]
["Deviation to IAO base rates only","Déviation au taux de base de l'IAO seulement\n\n\n\nDéviation au taux de base de l'IAO seulement\n\n\n\n\nDéviation au taux de base de l'IAO seulement\n"]
["Rationale for deviation: ","Justification de l' écart : "]
["Update Rate Group  Tables","Tables des groupes de tarification"]
["Year of Table","Année de tableau"]
["Table being used","Indiquer tableau couramment en service"]
["Current","Courants"]
["Update Rate Group Table","Mettre à jour les tableaux des groupes de tarification"]
["Proposed","Projetés"]
["*Other (please specify)","Autres ( se il vous plaît préciser)"]
["Notes on any of the above","Remarques ou commentaires au sujet de l’une ou l’autre des sections ci-dessus:"]
["Rationale for the proposed changes if selection is different than the indicated change.","Si les tarifs sélectionnés sont différents de ceux indiqués, veuillez fournir une justification pour la sélection"]
["Table 5 - Current Written Exposures ","Tableau 5 -Risques souscrits « actuel »"]
["Statistical Territory","Territoires"]
["Bodily Injury","Blessure Corporelle"]
["Property Damage","Dommage aux biens"]
["Direct Compensation - Property Damage","Indemn directe - dommage aux bien"]
["Accident Benefits","Assurance individuelle"]
["Uninsured Auto","Auto non-assuré"]
["Health Services Levy","Impôt sur service de santé"]
["Total Mandatory Coverage","Toutes couvertures obligatoires"]
["Collision","Collision"]
["Comprehensive","Multirisques"]
["Specified Perils","Risques spécifiés"]
["All Perils","Tous spécifiés"]
["SEF 44","END 44"]
["Total Optional Coverage","Toutes couvertures facultatives"]
["All Coverages Combined","Combinés"]
["Provincial ","Province"]
["An annual policy covering a single vehicle counts as one exposure while an annual policy covering two vehicles counts as two exposures. A semi-annual policy covering  one vehicle counts as 0.5 exposures while a semi-annual policy covering two policies counts as one exposure.","Une police annuelle couvrant un seul véhicule compte pour un risque tandis qu'une police couvrant deux véhicules compte pour deux risques. Une police semestrielle couvrant un seul véhicule compte pour 0,5 risque tandis qu'une police semestrielle couvrant deux véhicules compte pour un risque."]
["Table 6 - Current Average Written Premium at current rate level $","Tableau 6 - Prime souscrite moyenne à court terme au niveau de tarification actuel en $ "]
["Table 7 - Proposed Average Written Premium before capping $","Tableau 7 - Primes moyennes « projetées » avant plafonnement $   "]
["Table 8 - Proposed Average Written Premium after capping  $  ** If there is no capping leave blank ","Tableau 8 - Primes moyennes « projetées » après plafonnement $  ** S'il n'y a pas de plafonnement, laisser en blanc "]
["Table 9 - Indicated Average Written Premium $ ","Tableau 9 - Primes indiquées moyenne $ "]
["Table 10 - Indicated Percentage Change in Average Premium (+/-) %","Tableau 10 - Pourcentage de changement de la prime moyenne indiqué (+/-) %"]
["Table 11 - Proposed Percentage change in Average Premium Before Capping (+/-) %","Tableau 11 - Pourcentage de changement de la prime moyenne projeté (+/-) %"]
["Table 12 - Proposed Percentage Change in Average Premium After Capping (+/-) %   ** If there is no capping leave blank","Tableau 12 - Pourcentage PING de changement de la prime moyenne projeté (+/-) %  ** S'il n'y a pas de plafonnement, laisser en blanc"]
["Territories","Territoires"]
["Is your company rating policies using the 11 statistical territories? (Yes, No)","Les polices de tarification de votre compagnie utilisent-elles les 11 territoires statistiques ? (Oui, Non)"]
["If no, how many rating territories is your company using? ","Si non, combien de territoires de tarifications votre compagnie utilise-telle ?"]
["<--- Enter the # of rating territories here, a macro will generate 4 tables at row","<--- Saisir le numéro des territoires de tarification ici, une macro générera 4 tableaux à la rangée"]
["If not rating policies using the 11 statistical territories, please fill in the tables below.","Si la classification des polices n’est pas effectuée en fonction des 11 territoires statistiques, veuillez remplir les tableaux ci-dessous."]
["Please attach a map of rating territories to Map of Rating Territories","Veuillez joindre une carte géographique des territoires de classification à la Carte des territoires de tarification."]
["**Please Ensure Macros are Enabled on the Spreadsheet**","Veuillez vous assurer que les macros du tableur sont activées"]
["Notes on any of the above","Remarques ou commentaires au sujet de l’une ou l’autre des sections ci-dessus:"]
["Table 13 - Ultimate Incurred Losses ($000s) $","Tableau 13 - Ultime sinistres assumés* ($000's) $"]
["* Ultimate incurred losses should be developed with LDFs but before trends.","* Ultime sinistres assumées devraient être développées avec les facteurs d’évolution des sinistres, mais avant les tendances."]
["Net Claims and Adjustments Expenses [12]\nNet claims and adjustment expenses are defined in the same way as in the P&C return page 20.30 row 10. These amounts are automatically calculated or derived in the following formula in the template:\n[12] = {[9] + [10] - [11]}\nThe resulting amounts aggregated across province must correspond to Annual P&C Return page 60.20 rows 11-13 column 11.","Dépenses nettes de sinistres et règlements [12]\nSinistres nets et frais de règlement sont définis de la même manière que la page de retours d'assurance dommages 20.30 rangée 10. Ces montants sont calculés automatiquement ou calculés selon la formule ci-après du modèle : \n[12] = {[9] + [10] - [11]}\nLes montants résultants regroupés à travers la province doivent correspondre à la page de retour annuel d'assurance dommages 60.20 rangées 11-13 colonne 11.\n"]
["Table 14 Premium Distribution","Tableau 14 Répartition des primes"]
["Mandatory","Obligatoire"]
["Optional","Facultative"]
["Table 15 - Comprehensive Breakdown Loss","Tableau 15 - État détaillé des pertes en multirisques"]
["Kind of Loss ","Type de perte - multirisques"]
["Animal \nCollision","Collision avec animal"]
["Glass","Bris des glaces"]
["Theft","Vol"]
["Fire","Feu"]
["Other-Specify","Autre (svp spécifier)"]
["Total","Toutes"]
["% of all losses - Comp","% de toutes les pertes"]
["Table 16 - Exposures and Premiums","Tableau 16 - Nombre de risques souscrits"]
["Exposures","Risques"]
["Premiums","Primes"]
["Average Premium","Primes moyennes"]
["Renewal Year","Année de renouvelle"]
["In force","Portefeuille"]
["Written","Souscrite"]
["Earned ","Acquise"]
["4th Prior Accident Year","4e année précédente d'accidents"]
["3rd Prior Accident Year","3e année précédente d'accidents"]
["2nd Prior Accident Year","2e année précédente d'accidents"]
["1st Prior Accident Year","1e année précédente d'accidents"]
["Current Accident Year","Année courante d'accidents"]
["Span of Accident Year (e.g. Jan 1 to Dec 31)","Durée d'année d'accidents (par exemple. Jan 1 à Déc. 31)"]
["% Changes in exposures","% Changement de risques"]
["% Change in average premium","% Changement de primes moyennes"]
["From","De "]
["To","À"]
[" Rate Indications and Selections","Indication et sélection tarifaire"]
["If the filing proposes a change in rate level without any change to classification, limit of liability, deductible or other rate differentials, then sections (a.) - (k.) must be completed. ","Si la demande déposée propose un changement aux niveaux de tarification sans changement de classification, limite de responsabilité, franchise ou autres écarts de tarifs, alors, les articles (a.) - (k.) doivent être complétés."]
["If the filing proposes to change classification, limit of liability, deductible, or other rate differentials without generating any overall rate level change, then only sections (l.) - (m.), as applicable,  need to be completed.","Si la demande déposée propose des changements de classification, de limite d'indemnité, franchise ou autres écarts de tarifs sans générer de changement global aux niveaux de tarification, seuls les articles (l.) - (m.), selon le cas, ont besoin d'être complétés."]
["If the filing proposes a change in rate level plus a change in classification, limit of liability, deductible, or other rate differentails, then sections (a.)-(k.) and sections (l.)-(k.), as applicable, must be completed.","Si la demande déposée propose un changement de niveau plus un changement de classification, de limite d'indemnité, de franchise ou d'autres écarts de tarifs, alors les articles (a.) - (k.) et les articles (l.) - (m.), selon le cas, ont besoin d'être complétés."]
["Overall Description of the Ratemaking Methodology and Summary","Description intégrale de la méthodologie de tarification et résumé","A"," "]
["Is a Generalized Linear Modeling being used to develop rates","Est-ce qu'une modélisation linéaire généralisée est utilisée pour établir les tarifs?"]
["Is it being introduced with this filing?","Est-elle présentée en même temps que le présent dépôt de demande?"]
["What year was it introduced in New Brunswick?","À quel moment a-t-elle été adoptée dans les dépôts de demandes du N.-B.?"]
["Billing #","Nombre de facturation"]
["Has there been any change in either the approach or the underlying data from the prior rate filing? ","Y a-t-il eu changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant?  "]
["If yes,details should be disclosed and supported.","Dans l'affirmative, les détails devraient être divulgués et documentés."]
["Details","Détails"]
[]
["The following justification is required to be provided by insurers relying on a GLM approach to rate making","Les assureurs ont l'obligation de présenter la justification ci-après s'appuyant sur une approche de MLG à l'établissement des tarifs :"]
["Response variables:frequency and severity, loss cost, or other (specify)","variables des réponses : fréquence et gravité, coût des sinistres ou autres (spécifier)"]
["Indicator variables: accident year, territories, etc.","variables d'indicateurs : année de survenance, territoires, etc."]
["Link function: logarithmic, identity, or other (specify)","fonction de liaison : logarithmique, identité ou autre (spécifier)"]
["Error function: Poisson, Normal, Gamma, Tweedie, or other (specify)","fonction d'erreur : Poisson, Normal, Gamma, Tweedie, ou autre (spécifier)"]
["Scale parameter","paramètre d'échelle"]
["Description of interaction modeling, if applicable","description de la modélisation d'interaction, s'il y a lieu"]
["Listing of statistical tests and graphs used to assess the global model performance as indicator variable performance","liste des tests et graphiques statistiques utilisés pour évaluer la performance du modèle global en tant que performance de variable-indicateur"]
["Results of statistical tests for global model, as well as sample results of statistical tests for one f the indicator variables","résultats des tests statistiques pour le modèle global, ainsi que des résultats échantillons de tests statistiques pour une des variables-indicateurs"]
["Were there changes in GLM methodology since the last time filed? If yes, what were the changes?","Y a-t-il eu des changements à la méthodologie MLG depuis le dernier dépôt de demande? Dans l'affirmative, quels ont été les changements?"]
["Type of approach used","Type d'approche utilisée"]
["(Pure Premium/Loss Ratio)","(prime pure/ratio sinistres-primes)"]
["Table 17 - Data Used Table","Tableau 17 - Tableau des données utilisées"]
["Data Used","données utilisées"]
["As Of Date","à compter du"]
["Filing SubSection","paragraphe du dépôt de demande"]
[" The filing should include the most recent complete year of data that is available.  Should the filing rely on industry experience, we would expect any filing received after industry data is released to include the most recent industry data (i.e. assuming that industry data for the 2013 accident year is released on June 1, 2014 any filing made after that date should include 2013 accident year data)."," La demande déposée devra inclure l'année de données la plus récente disponible.  Si la demande déposée devait s'appuyer sur les antécédents de l'industrie, nous nous attendrions à ce que toute demande reçue après que les données de l'industrie ont été publiées inclue les données les plus récentes de l'industrie (c.-à-d., dans l'hypothèse où les données de l'industrie pour l'année de survenance 2013 seraient publiées le 1er juin 2014, tout dépôt de demande effectué après cette date devrait inclure les données de l'année de survenance 2013)."]
["Table 18 - Weights Used Table","Tableau 18 - Tableau des pondérations utilisées"]
["Insurers are requested to use weights consistent with the last filing presented to the Board.  If the weights used in the filing have changed, justification and rationale will be required.","Les assureurs sont requis d'utiliser des pondérations compatibles avec le dernier dépôt de demande présenté à la Commission.  Si les pondérations utilisées dans le dépôt de demande ont changé, une justification raisonnée sera requise."]
["Coverage","Couverture"]
["Accident Year"," Année d'accident"]
["Most Recent","courant"]
["First Prior","précédent"]
["Second Prior","2e précédent"]
["Third Prior","3e précédent"]
["Fourth Prior","4e précédent"]
["Same as prior years?","Identique aux années précédentes?"]
["If no, provide justification and rationale for change below:","Dans la négative, fournir une justification raisonnée.","changeto positive"]
["Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section","Veuillez référer le lecteur à la (aux) section(s) appropriée(s) ci-dessous de l'analyse actuarielle et aux pièces à l'appui pour cette section."]
["Losses","Sinistres ","B"]
["Are losses considered together with ALAE?","Les sinistres sont-ils pris en considération ensemble dans les dépenses de règlements de sinistres assignées?"]
["Describe the type of loss data","Décrire le type de données sur les sinistres."]
["Policy year","Année d'assurance"]
["Other","Autre"]
["If using a type of loss data other than accident or policy year, please provide justification.","Si l'on utilise un type de données sur les sinistres autre que celui de l'année d'assurance, on est prié d'en donner la justification."]
["The experience period and the respective valuation dates should also be noted.   The source of the data should be clearly noted (e.g., company internal data, company data as reported by IBC).  ","La période d'antécédents et les dates d'évaluation respectives devront également être notées.  La source des données devra être clairement indiquée (c.-à-d., données internes de la compagnie, données de la compagnie telles que rapportées par le BAC). "]
["Table 19 - Loss Experience/Source Table","Tableau 19 - Résultats techniques/Tableau des sources"]
["Loss Development","Évolution des sinistres"]
["Loss Trends","Tendances des sinistres"]
["Company","Compagnie"]
["Industry","Industrie"]
["Data being relied on?","Les données s'appuient sur?"]
["Experience Period","Période d'antécédents"]
["Valuation Dates","Dates d'évaluation"]
["Source of Data","Source des données"]
[" Loss data are gross or net of salvage and subrogation","Les données sur les sinistres sont brutes ou nettes de récupération et de subrogation."]
["Projection of Losses to Ultimate","Évolution des sinistres"]
[" The specific loss projection method used in the filing should be outlined and the details of the calculations should be disclosed in this subsection.  All judgments associated with the process of loss development should be disclosed in detail and supported (e.g., the selection of loss development factors).  ","La méthode de projection spécifique de l'évolution des sinistres utilisée dans la demande déposée devra être décrite et les détails des calculs devront être divulgués dans ce paragraphe.  Toutes les décisions associées au processus d'évolution des sinistres devront être divulguées en détail et documentées (p. ex., le choix des facteurs d'évolution des sinistres).  \n\n"]
["Projection of losses to ultimate should be based on the insurer's own data to the extent possible.   At a minimum, the history of unadjusted company loss development data valued at 12-month intervals should be provided (so-called \"triangles\" of loss valuations at various stages of development). If a partial accident year is used, then comparable experience at the same level of maturity must be provided to support the selected factors.   ","La projection des sinistres jusqu'au résultat final devra être basée sur les données de l'assureur lui-même dans la plus grande mesure possible.  Au minimum, l'historique des données non redressées de l'évolution des sinistres de la compagnie évaluées à intervalles de 12 mois devra être fourni (ce qu'il est convenu d'appeler les « triangles » d'évaluation des sinistres à divers stades d'évolution).  Si une année de survenance partielle est utilisée, alors, des antécédents comparables au même niveau de maturité doivent être présentés afin d’appuyer les facteurs sélectionnés.   \n\n"]
["Are the sections of the Report of Appointed Actuary included, which contains the New Brunswick information pertinent to this filing on an undiscounted basis? For example, if the New Brunswick Bodily Injury data is included as part of the Atlantic Canada Bodily Injury line of business in the Report of Appointed Actuary; provide the Atlantic Canada Bodily Injury section of the Report of Actuary.","Les articles du Rapport de l'actuaire qui contiennent l'information du Nouveau-Brunswick sont-ils pertinents au dépôt de cette demande sur une base non actualisée?  Par exemple, si les données de dommage corporel du Nouveau-Brunswick sont incluses en partie intégrante à la ligne Dommage corporel du Canada atlantique dans le Rapport de l'actuaire, fournir l'article Dommage corporel du Canada atlantique dudit rapport."]
[" If credibility procedures are used in loss development, the selection of the credibility criterion should be disclosed.  The application of the credibility standard should be presented, and the complement of credibility should be disclosed and supported.","Si on utilise des procédures de fiabilité pour l'évolution des sinistres, le choix des critères de fiabilité devra être divulgué.  L'application de la norme de fiabilité devra être présentée, et le complément de fiabilité devra être divulgué et documenté."]
["The general approach to estimating loss trend can be expected to remain reasonably constant over the years for an insurer ","On peut s'attendre à ce que l'approche générale de l'estimation de la tendance des sinistres demeure raisonnablement constante au cours des années pour un assureur."]
["Has there been a change in the  general approach to loss development from prior filings?   ","L'approche générale de l'évolution des sinistres est-elle demeurée raisonnablement constante au cours des années pour un assureur?  \n\n"]
["If yes, provide details below:"]
["Has there been any change in either the approach or the underlying data from the prior rate filing?","Y a-t-il eu changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant?  Dans l'affirmative, les détails devraient être divulgués et documentés.\n\n"]
[" If yes,details should be disclosed and supported."]
["A rate change derived using the previous methodology must be provided for sensitivity purposes. ","Pour fins de sensibilité, un changement de tarif calculé selon l'ancienne méthodologie devra être présenté. "]
["Details and results of sensitivity test."]
["If this sensitivity analysis has not been provided, please provide reasons below:"]
[null,"Veuillez indiquer si cette analyse de sensibilité a été présentée."]
["Table 20 - Loss Development Factors Table","Tableau 20 – Tableau des facteurs d'évolution des sinistres"]
["Coverage","Couverture"]
["Current ","courants"]
["Prior ","précédent"]
["2nd Prior ","2e précédent"]
["3rd Prior ","3e précédent "]
["4th Prior ","4e précédent"]
["Loss Development Factors","Facteurs d'évolution des sinistres"]
["Bodily Injury","Blessures corporelles"]
["Property Damage","Dommage aux biens"]
["Direct Compensation- Property Damage","Indemnisation direct - dommage matériels"]
["Accident Benefits","Assurance individuelle"]
["Funeral","Funérailles"]
["Death","Décès"]
["Medical","Médical"]
["Disability","Invalidité"]
["Uninsured","Auto non assuré"]
["Collision","Collision"]
["Comprehensive","Multirisques"]
["Specified Perils","Risques spécifiés"]
["All Perils","Tous spécifiés"]
["SEF 44","END 44"]
["Loss Trends","Tendance des sinistres"]
[" The specific loss trend approach used should be outlined and the details of the calculations should be disclosed in this subsection.  All judgments associated with the process of loss trend should be disclosed in detail and supported.","L'approche spécifique de la tendance des sinistres utilisée dans la demande déposée devra être décrite et les détails des calculs devront être divulgués dans ce paragraphe.  Toutes les décisions associées au processus de tendance des sinistres devront être divulguées en détail et documentées.\n\n"]
[" Loss trends are usually based on New Brunswick industry–wide experience for each class of insurance and coverage to the extent possible.  To the extent credible, loss trends based on the insurer’s own experience may also be useful to reflect the dynamics of the insurer’s business.   All data used in the process of estimating annual loss trend must be exhibited, at least in summary form, and labeled (e.g., are losses paid or incurred, developed or undeveloped). "," Les tendances des sinistres sont habituellement basées sur les antécédents à l’échelle de l’industrie du Nouveau-Brunswick pour chaque catégorie d’assurance et chaque couverture dans la mesure du possible.  Dans la mesure où les données sont crédibles, les tendances des sinistres basées sur les antécédents de l’assureur lui-même peuvent être également utiles pour refléter la dynamique des affaires de l’assureur.  Toutes les données utilisées dans le processus d'estimation de la tendance des sinistres annuelle doivent être présentées, au moins sous forme de résumé, et étiquetées (p. ex., les sinistres sont-ils réglés ou encourus, développés ou non développés). "]
["Was data other than the company's own data relied upon?","S'est-on appuyé sur des données autres que celles appartenant à la compagnie même?"]
["Has there been any change in either the approach or the underlying data from the prior rate filing? ","Y a-t-il eu changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant?  \n   ",null,null,null,null,null,null,null,null,null,"Yes"]
["If yes, provide details below:"]
["Any changes in either the approach or the underlying data from the prior rate filing should be disclosed and supported. ","Tout changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant devra être divulgué et documenté.",null,null,null,null,null,null,null,null,null,"No"]
["For sensitivity purposes, a rate change derived using the previous methodology must be provided. Please indicate if this sensitivity analysis has been provided.","Pour fins de sensibilité, un changement de tarif calculé selon l'ancienne méthodologie devra être présenté. Veuillez indiquer si cette analyse de sensibilité a été présentée.",null,null,null,null,null,null,null,null,null,"NO"]
["Table 21 - Annual Trends Table","Tableau 21 - Tableau des tendances annuelles"]
["Third Party Liability","Responsabilité civile"]
["Uninsured Auto","Auto non assuré"]
["Health Services Levy","Impôt sur service de santé"]
["Historical Loss Cost Trend","Tendance des coûts perdus historique"]
["Future Loss Cost Trend","Tendance des coûts perdus futur"]
["Historical Frequency Trend","Fréquence tendance historique"]
["Future Frequency Trend","Fréquence tendance  future"]
["Historical Severity Trend","Sévérité tendance historique"]
["Future Severity Trend","Sévérité tendance future"]
["Premium Trend","Tendance des primes"]
["Table 22 Loss Trends Source Table","Tableau 22 – Tableau des sources de tendances des sinistres"]
["Source of Data:","Source des données"]
["As of Date","Date à compter du "]
["IAO Analysis used","Analyse d'IAO utilisé"]
["If yes, Specify which analysis was adopted","Si oui, spécifier quel analyse a été adopté "]
["What date has been used to distinguish between past and future trend?","Quelle est la date utilisée pour faire la distinction entre tendances passées et futures ?"]
["Provided the date to which past trend is applied.","Fournir la date à laquelle la tendance passée est appliquée"]
["Provide the date to which the future trend is applied.","Fournir la date à laquelle la tendance future est appliquée"]
["Treatment of Large Losses","Traitement des gros sinistres"]
["The filing should clearly indicate how large losses in the experience period have been handled.  If losses have been capped, the number of such losses and the effects of the caps must be demonstrated.  The insurer should ensure that large losses do not cause significant instability in the rates from one period to the next.","La demande déposée devra indiquer clairement comment les gros sinistres au cours de la période d'expérience ont été traités. Si les sinistres ont été plafonnés, le nombre des dits sinistres et les effets des plafonds doivent être démontrés. L'assureur devra faire en sorte que les gros sinistres ne causent pas une instabilité importante des tarifs d'une période à une autre."]
["Are Large Losses capped?","Les gros sinistres sont-ils plafonnés?"]
["At what amount?","À quel montant?"]
["The large loss treatment can be expected to remain reasonably constant over the years for an insurer.  Any changes in either the approach or the underlying data from the prior rate filings must be disclosed and supported.  ","On peut s'attendre à ce que l'approche de l'évolution des gros sinistres demeure raisonnablement constante au cours des années pour un assureur.  Tout changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant devra être divulgué et documenté. "]
["For sensitivity purposes, a rate change derived using the previous methodology must be provided."," Pour fins de sensibilité, un changement de tarif calculé selon l'ancienne méthodologie devra être présenté."]
["CAT Loading","Procédure en cas de catastrophe"]
[" The specific catastrophe procedure used should be outlined and the details of the calculations should be disclosed and supported.  All judgments associated with the process of calculating the catastrophe provision should be disclosed in detail and supported.","La procédure de catastrophe spécifique utilisée devra être décrite et les détails des calculs devront être divulgués et appuyés. Toutes les décisions associées au processus de calcul de la provision pour catastrophe devront être divulguées en détail."]
["The catastrophe treatment can be expected to remain reasonably constant over the years for an insurer.  Any changes in either the approach or the underlying data from the prior rate filing must be disclosed and supported.  For sensitivity purposes, a rate change derived using the previous methodology must be provided","On peut s'attendre à ce que l'approche de l'évolution des catastrophes demeure raisonnablement constante au cours des années pour un assureur.  Tout changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant devra être divulgué et documenté.  Pour fins de sensibilité, un changement de tarif calculé selon l'ancienne méthodologie devra être présenté."]
["Amount","montant"]
["Other Adjustments -  For example, the filing must clearly indicate the approach taken to account for the impact of product changes such as the July 2013 changes to the MIR.","Autres redressements –  à titre d’exemple, la demande déposée doit clairement indiquer l’approche choisie pour prendre en compte l’impact des changements de produits, à titre d’exemple, les changements de 2013 au Règlement sur les blessures mineures."]
["MIR","Règlement sur les blessures mineures."]
["Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section","Veuillez référer le lecteur à la (aux) section(s) appropriée(s) ci-dessous de l'analyse actuarielle et aux pièces à l'appui pour cette section."]
["Allocated Loss Adjustment Expenses (ALAE)","Dépenses de règlements de sinistres assignées (ALAE)","C"]
["Are allocated loss adjustment expenses included with incurred losses?","Les dépenses de règlements de sinistres assignées sont-elles incluses avec les sinistres encourus?"]
["Unallocated Loss Adjustment Expenses (ULAE)","Dépenses de règlements de sinistres non assignées (ULAE)","D"]
[" The specific ULAE approach used should be outlined and details of the calculations should be disclosed and supported.  All judgments associated with the estimation of ULAE should be disclosed in detail and supported."," La procédure spécifique des dépenses de règlements de sinistres non assignées devra être décrite et les détails des calculs devront être divulgués et appuyés. Toutes les décisions associées à l'estimation des dépenses de règlements de sinistres non assignées devront être divulguées en détail et appuyées."]
[" The estimate of ULAE should make use of the insurer's own data for each class of insurance and coverage to the extent possible.  ","L'estimation des dépenses de règlements de sinistres non assignées devrait faire usage des données de l'assureur lui-même pour chaque classification d'assurance et chaque couverture dans la mesure du possible."]
["Has there been any change in either the approach or the underlying data from the prior rate filing? ","Y a-t-il eu changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant? "]
["The ULAE approach can be expected to remain reasonably constant over the years for an insurer.  Any changes in either the approach or the underlying data from the prior rate filing must be disclosed and supported.  For sensitivity purposes, a rate change derived using the previous methodology must be provided.","On peut s'attendre à ce que l'approche de l'estimation des dépenses de règlements de sinistres non assignées demeure raisonnablement constante au cours des années pour l'assureur. Tout changement par rapport au dépôt de demande précédent soit dans l'approche, soit dans les données sous-jacentes devra être divulgué et appuyé."]
["Premium","Prime","E"]
[" Disclose the premium data, the experience period and the source of the premium data.  Direct premiums (i.e., prior to any reinsurance transactions) should be the basis for ratemaking and must not be reduced by the insurer’s cessions to the Risk Sharing Pool. Direct premiums must not include premiums for the Facility Association Residual Market risk business. ","Divulguer les données au sujet des primes, la période d'antécédents et la source des données au sujet des primes.  Les primes directes (c.-à-d., avant toute transaction de réassurance) devront servir de base pour la tarification et ne devront pas être réduites du fait que l'assureur les a cédées à l'Unité de partage de risques.  Les primes directes ne doivent pas inclure les primes pour les contrats à risque du marché secondaire de la Facility Association.  "]
["Experience Period","Période d'antécédents"]
["Source of Premium Data","Source des données au sujet des primes"]
["On Level Adjustment","Redressements de mise à niveau"]
[" All premiums used in the filing must be adjusted for all rate changes previously approved by the NBIB. If using a  loss ratio approach to ratemaking, earned premium must be adjusted to the level of the present rates by using an appropriate on-level procedure.  Display both the unadjusted and the adjusted premiums should be displayed.","Toutes les primes utilisées dans la demande déposée doivent être redressées en fonction de tous les changements tarifaires antérieurement approuvés par la CANB.  Si une approche de ratio de coûts perdus est utilisée pour la tarification, la prime acquise doit être redressée au niveau des tarifs courants par l'emploi d'une procédure de mise à niveau appropriée.  Les deux primes, soit la prime non redressée et la prime redressée, doivent être présentées."]
[" Are  on-level adjustments  made by means of a factor approach (e.g., parallelogram)? ","Les redressements de mise à niveau sont-ils effectués au moyen d'une approche factorielle (p. ex., parallélogramme)?"]
["Are on-level adjustments made by means of calculating premiums at present rates through computer re-rating of policies (i.e. extension of exposures)? If yes, a description of the process should be provided with a comparison of the results to the results obtained using the parallelogram method.  Any significant difference should be explained.","Les redressements de mise à niveau sont-ils effectués au moyen d'un calcul des primes aux tarifs actuels pour une retarification informatique des polices (c.-à-d., prolongation des risques)?  Dans l'affirmative, on devrait présenter une description du processus avec une comparaison des résultats aux résultats obtenus par la méthode du parallélogramme.  Tout écart significatif devra être expliqué."]
["Table 23 Prior Filings Table","Tableau 23 - Changement précédent Table"]
["Prior Filing","Changement précédent"]
["2nd Prior Filing","2e changement précédent"]
["3rd Prior Filing","3e changement précédent"]
["4th Prior Filing","4e changement précédent"]
["Indicated","Indiqué"]
["Selected","Sélectionné"]
["Board Approved","Approuvé par la Commission"]
["* Last five approved rate level changes excluding updates to rate group tables","* Les cinq derniers changements de niveaux de tarification approuvés à l'exclusion des tables de groupes tarifaires"]
["State the average cumulative rate change that occurred within the 12 months before the proposed rate change is expected to be effective for renewal business, based on all coverages combined.","Indiquer le changement de tarif moyen cumulé survenu au cours des 12 mois précédant l'entrée en vigueur du changement de tarif projeté pour les renouvellements, en se basant sur toutes les couvertures combinées.\n\n"]
["Premium Trend","Tendance des primes"]
[" Premium trend should be considered for coverages with inflation-sensitive exposure bases or for coverages where a changing mix of exposures may result in a corresponding change in premium income to the insurer.  The changing mix of exposures with respect to the makes and models of cars for physical damage coverages is an example of a change in mix of exposures which could produce premium trend.  (Under CLEAR [Canadian Loss Experience Automobile Rating], premium trend is already accounted for in the development of the rate groups.)","La tendance des primes devra être prise en considération pour les couvertures avec des bases de risques sensibles à l'inflation ou les couvertures pour lesquelles un dosage fluctuant de risques pourrait entraîner un changement de revenu-primes correspondant pour l'assureur. Le dosage fluctuant de risques touchant les marques et les modèles de voitures pour les couvertures de dommage matériel est un exemple de changement de dosage de risques pouvant entraîner une tendance des primes. (En vertu de CLEAR [le système canadien de tarification automobile basé sur l'expérience des sinistres], la tendance des primes est déjà prise en compte dans l'établissement des groupes de tarifs.)"]
["Is there a consideration for Premium Trend included in this filing?","Une prise en considération de la tendance des primes est-elle incluse dans ce dépôt de demande?\n\n"]
["The specific premium trend approach used in the filing should be outlined and details of the calculations should be disclosed and supported.  All judgments associated with the process of premium trend should be disclosed in detail and supported.","L'approche spécifique de tendance des primes utilisée dans la demande déposée devra être décrite et les détails concernant les calculs devront être divulgués et appuyés. Toutes les décisions associées au processus de tendance des sinistres devront être divulguées en détail et appuyées."]
["Are there any other adjustments to the premium ?  ","Y a-t-il d'autres redressements au sujet de la prime?  "]
["If yes, it should be disclosed, documented, and supported in this subsection.","Dans l'affirmative, ceux-ci devraient être divulgués, documentés et corroborés dans le présent paragraphe.\n\n"]
["Other Expenses","Autres frais","F"]
[" Other expenses (i.e., non-claims related expenses) should be divided between exposure variable (fixed) and premium variable (variable) expenses in a manner that is consistent with the way the insurer conducts its business, the manner in which expenses are incurred, and the type of unit insured.  The details of this segregation of expenses should be disclosed and documented.  "," Les autres frais (c.-à-d., les frais non reliés aux réclamations) devront être répartis entre dépenses variables de risques (fixes) et dépenses variables de primes (variables) d'une manière compatible avec la façon dont l'assureur dirige ses affaires, la façon dont les dépenses sont encourues et le type d'unité assuré. Les détails de cette répartition des frais devront être divulgués et documentés."]
[" For the latest year, the allocation of expenses to the class of insurance filed should also be reported.  ","Pour l'année la plus récente, l'affectation des frais à la classification d'assurance déposée devra également être signalée."]
["Is there an expense provision established in respect of the Facility Association Residual Market?   ","A-t-on établi une provision pour frais à l'égard du marché secondaire de la Facility Association?  "]
["Is the Risk Sharing Pool treated as direct business and therefore reflected in the direct loss and premium data.","L'Unité de partage de risques est-elle traitée comme des affaires directes et, par conséquent, reflétée dans les données de dommages directs et de primes?\n\n"]
["Exposure Variable Expenses (Fixed)","Frais variables dus aux risques (fixes) "]
[" Are there some expenses that are expected to vary in relationship to the number of units insured (exposures) rather than in relationship to the premium volume?","S'attend-on à ce que certains frais varient en relation avec le nombre d'unités assurées (risques) plutôt qu'en relation avec le volume de primes?"]
["The specific approach to estimating exposure variable expenses used in the filing should be outlined and details of the calculations should be disclosed.  All judgments associated with the process of estimating exposure variable expenses should be disclosed in detail and supported.","L'approche spécifique pour l'estimation des frais variables dus aux risques utilisée dans la demande déposée devra être décrite et les détails des calculs devront être divulgués. Toutes les décisions associées au processus de calcul des frais variables dus aux risques devront être divulguées en détail et appuyées"]
["Premium Variable Expenses (Variable)","Frais variables de primes (variables)"]
[" Are there some expenses that are expected to vary in relationship to the premium volume rather than in relationship to the number of units insured?","S'attend-on à ce que certains frais varient en relation avec le volume de primes plutôt qu'en relation avec le nombre d'unités assurées?\n\n"]
[" The specific approach to estimating premium variable expenses used in the filing should be outlined and details of the calculations should be disclosed.  All judgments associated with the process of estimating premium variable expenses should be disclosed in detail and supported."," L'approche spécifique pour l'estimation des frais variables de primes utilisée dans la demande déposée devra être décrite et les détails des calculs devront être divulgués. Toutes les décisions associées au processus de calcul des frais variables de primes devront être divulguées en détail et appuyées."]
["Table 24 - Expense Table","Tableau 24 - Tableau de Frais"]
["Regular Commission ","Commission et commission sur les bénéfices"]
["Contingent Commission","Commission conditionnelle"]
["Premium Taxes","Taxes sur les primes"]
["Other General Expenses (Excluding Health Services Levy)","Autre frais généraux (excluant impôt sure services de santé) "]
["ULAE as % of Premiums","Dép. règl. sin. non assignées en % des primes"]
["Total Expenses (Excluding Health Services Levy) as % of Premium","Dépenses totales (Excluant impôt sur service de santé) % de la prime"]
["Health Services Levy as % of TPL and AB Premiums","Impôt sur la santé comme % des primes de resp. civile et assur. Indiv."]
["Reinsurance Charges","Frais de réassurance"]
["Profit Provision","Provisions pour profit","G"]
["All insurers must submit their rate indications based on a target underwriting profit provision (i.e., a target profit provision expressed as a percentage of premium.)","Tous les assureurs doivent présenter leurs indications de tarifs basées sur une provision pour bénéfice technique cible (c.-à-d., une provision pour profits cible en tant que pourcentage de la prime)."]
["Insurers should show their target return on equity and the target underwriting profit provision to be used in the ratemaking process.  The filing should show the conversion in sufficient detail to permit the reviewer to follow the entire process.","Les assureurs doivent présenter leur rendement des capitaux propres cible et la provision pour bénéfice technique cible qui sera utilisée au cours du processus de tarification.  La demande déposée devra montrer la conversion suffisamment en détail pour permettre au réviseur de suivre le processus en entier."]
[" The specific approach to determining the target underwriting profit provision underlying the rates in the filing should be outlined and the details of the calculations should be disclosed and supported.  All judgments associated with the process of calculating the profit provision, should be disclosed and supported.","L'approche spécifique pour déterminer la provision cible pour bénéfice technique sous-jacente aux tarifs de la demande déposée devra être décrite et les détails des calculs divulgués et appuyés.  Toutes les décisions associées au processus de calcul de la provision pour profits devront être divulguées et appuyées."]
[" All data used in the process of selecting the target underwriting profit provision and return on equity must be exhibited and labeled.  At a minimum, the payout pattern (for each coverage and sub-coverage) expected to apply to the losses and expenses should be disclosed and supported.","Toutes les données utilisées au cours du processus de sélection de la provision cible pour bénéfice technique et du rendement des capitaux propres doivent être présentées et étiquetées.  Au minimum, le profil des rentrées de fonds (pour chaque couverture et sous-couverture) dont l'affectation aux sinistres et aux frais est prévue devra être divulgué et appuyé."]
["Indication using prior methodology","Indication utilisant une méthodologie antérieure"]
["Has there been any change in either the approach or the underlying data from the prior rate filing? If yes, provide support","Y a-t-il eu changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant?  Dans l'affirmative, donner des explications à l'appui."]
["Has there been any change in the methodology to calculate any of the following from the prior rate filing? ","Y a-t-il eu des changements dans la méthodologie pour calculer un des éléments ci-après par rapport au dépôt de demande précédent?  "]
["If yes, provide indication using previous methodology","Dans l'affirmative, donner les indications en utilisant l'ancienne méthodologie :"]
[" expense ratios","Rapport-frais prime"]
[" profit allowance","Bénéfice alloué"]
[" permissible claim ratio","Ratio de sinistre admissible"]
["Table 25 - Profit Tables","Tableau 25 - Provisions de profit"]
["Target Return on Equity Current Filing","Rendement cible des capitaux propres"]
["Discount Rate - Policyholders Fund","Taux d'escompte - Fonds des assurés"]
["Discount Rate - Stockholder Fund (Equity)","Taux d'escompte - Fonds des actionnaires"]
["Premium to Surplus Ratio","Ratio prime / surplus"]
["Income Tax Rate","Taux d'impôt sur le revenu"]
["Permissible Loss Ratio","Ratio de coûts perdus admissible"]
["ROE Implied by Selected Rate Change Current Filing","Rendement des capitaux propres impliqué par le changement de tarif sélectionné"]
["Expected U/W Profit","Profit de souscription attendu  "]
["Target Return on Premium ","Rendement cible sur la prime "]
["Target Return on Premium Underlying Indications","Indications sous-jacentes au rendement cible sur la prime"]
["ROP Implied by Selected Rate Change","Rendement des primes impliqué par le changement de tarif sélectionné"]
["Table 26 - Prior ROE/ROP  Tables","Tableau 26 - tableau antérieurs de RCP/rendement des primes"]
["Target ROE Underlying Indications","Indication sous-jacente de cible pour les rendement des capitaux propre"]
["5th Prior \nFiling","5e changement précédent"]
["Credibility","Fiabilité","H"]
["Is the New Brunswick experience of the insurer of sufficient volume to produce stable overall province-wide rate level indications that are actuarially credible?  ","Le volume de l'expérience néo-brunswickoise de l'assureur est-il suffisant pour produire des indications de niveaux de tarifs stables à l'échelle provinciale qui soient fiables sur le plan actuariel?  "]
["If not, credibility procedures can be useful as a means of augmenting the insurer's New Brunswick data. Please provide details.","Dans la négative, les procédures de fiabilité peuvent être utiles comme moyen de majorer les données du Nouveau-Brunswick de l'assureur.  Veuillez fournir des détails."]
[" The standard for 100% credibility and the formula for calculating partial credibility should be disclosed and supported.  ","La norme pour une fiabilité à 100 p. 100 et la formule pour calculer la fiabilité partielle devront être divulguées et appuyées."]
[" The data source used as the ballast to which the complement of credibility applies should be disclosed and supported.","La source des données utilisées comme lest auquel le complément de fiabilité s'applique devra être divulguée et appuyée."]
["Has the approach to credibility remained reasonably constant over the years? ","L'approche de la fiabilité est-elle demeurée raisonnablement constante au cours des années?"]
["Has there been any change in the credibility standard or procedure, from the prior rate filing ?","Y a-t-il des changements par rapport au dépôt de demande précédent sur le plan de la norme ou de la procédure de fiabilité?  "]
["If yes, they should be disclosed and supported. ","Dans l'affirmative, les détails devraient être divulgués et documentés."]
["Other Adjustments","Autres redressements","I"]
[" Has any other adjustments been made to the data which affect expected premium or losses?","D'autres redressements ont-ils été apportés aux données affectant les primes ou les sinistres escomptés?"]
[" If yes,  must be quantified and their effect on the rates must be disclosed and supported in this section.","Dans l'affirmative, ils doivent être quantifiés et leur effet sur les tarifs doit être divulgué et documenté dans le présent alinéa"]
["Summary Rate Level Indications","Résumé des indications de niveaux de tarification","J"]
[" Summary sheets must be provided showing how the data combines with the adjustments and provisions outlined in subsections (b.) - (i.).  The insurer may use forms that are relevant to its particular situation.  The indicated rate change should be based on at least three consecutive years of the most recent actual experience.  An appropriate weight should be applied to each year based on actuarial judgement.  If these weights are different from the insurer's prior filing, the change must be disclosed, explained, and supported.","Des relevés récapitulatifs montrant la façon dont les données se combinent avec les redressements et les provisions décrites dans les paragraphes (b.) - (i.) doivent être présentés.  L'assureur peut utiliser les formulaires pertinents à sa situation particulière.  Le changement tarifaire indiqué devrait être basé sur au minimum trois années consécutives des antécédents réels les plus récents.  Une pondération appropriée devrait être appliquée à chaque année en s’appuyant sur un jugement actuariel.  Si ces pondérations sont différentes du dépôt de demande précédent de l'assureur, le changement doit être divulgué, expliqué et corroboré."]
["Territorial Indications","Indications territoriales","K"]
[" If a company chooses to deviate from the existing 11 territorial boundaries, they must continue to use these new territorial boundaries for a minimum of three (3) years.","Si une compagnie choisit de dévier les limites des 11 territoires existants, elle doit continuer d'utiliser ces nouvelles limites territoriales durant au minimum trois (3) ans."]
[" All territories must be of consistent geographic areas that are contiguous i.e., have a common boundary.  Territories are intended to measure risk characteristics such as road conditions, vehicle density, speed limits, crime rates, and terrain and weather conditions.  There must be some common underlying characteristics in defining the territory, and therefore it is logical that a territory should be comprised of contiguous geographical areas.  A single common point is not considered contiguous.","Tous les territoires doivent être des zones géographiques homogènes limitrophes c.-à-d., avoir une frontière commune. Les territoires servent à mesurer les caractéristiques de risques telles que conditions de route, densité de la circulation, limites de vitesse, taux de criminalité, terrain et conditions météo. Il doit y avoir un certain nombre de caractéristiques sous-jacentes communes en définissant le territoire, et par conséquent, il est logique qu'un territoire englobe des zones géographiques limitrophes. Un point commun unique n'est pas considéré comme limitrophe."]
[" In establishing territorial rates, large claims should be capped.  So that large claims do not distort the underlying analysis of loss costs, and to avoid rate instability, large claims should be capped, subject to actuarial considerations.","En établissant des tarifs territoriaux, les grosses réclamations devront être plafonnées. Ceci, afin que les grosses réclamations ne faussent pas l'analyse sous-jacente des coûts perdus, et pour éviter l'instabilité des tarifs, les grosses réclamations devront être plafonnées, sous réserve de considérations actuarielles."]
["If applicable, please provide details","S'il y a lieu, veuillez fournir des détails."]
["Compliant with all of above?","Conforme avec tout ce qui précède?"]
["Are territories definied the same as the eleven (11) in the statistical plan? If no, show current rate, proposed rate and the rate change for each of its actual pricing territories in addition to the existing eleven territories defined by the statistical plan in each rating profile.","Les territoires définis sont-ils les mêmes que les onze (11) dans le plan statistique?  Dans la négative, montrer le tarif courant, le tarif projeté et le changement de tarif pour chacun de ses territoires de tarification actuels en plus des onze territoires existants définis par le plan statistique dans chaque profil tarifaire."]
["Is a common territorial definition used for all coverages? While data should be examined separately by major coverages, there should be a common territorial definition that the insurer uses for all coverages.    ","Une définition territoriale est-elle utilisée pour toutes les couvertures?  Bien que les données doivent être examinées séparément par couvertures majeures, il devrait y avoir une définition de territoire commune que l'assureur utilisera pour toutes les couvertures. "]
["Indicated Differentials","Écarts indiqués"]
[" Territorial indications should be calculated by making use of the insurer's own data.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of its applicability in the instant circumstance.  All data used in the process of developing territorial indications must be exhibited and labeled.","Les indications territoriales devront être calculées à partir des données de l'assureur lui-même. S'il arrivait à l'assureur d'estimer nécessaire de s'appuyer sur des données de l'extérieur ou sur une source différente de données internes, la demande déposée devra identifier la source des données et fournir une explication de son applicabilité dans la présente affaire. Toutes les données utilisées au cours du processus d'établissement des indications territoriales doivent être présentées et étiquetées."]
[" A comparison of current indicated, and proposed territorial differentials must be provided for each coverage for which rates are changing by territory.  Included in this should be the written premium distribution and the exposure distribution by coverage, by territory.","Une comparaison des écarts territoriaux courants indiqués et proposés doit être fournie pour chaque couverture pour laquelle les taux changent par territoire. On devra inclure ici la répartition des primes souscrites et la répartition des risques par couverture, par territoire."]
["Off-balance","Éléments hors bilan"]
[" The aggregate premium may be increased or decreased through the introduction of new territorial rates or rate differentials or by changes to existing ones.  The filing must account for these changes through the use of off-balance procedures or by accounting for the premium change in its rate level. In the event that the change in territorial differentials is not off-balanced and instead a rate level change is generated, subsections (a.) - (j.) must also be completed.","La prime globale peut être augmentée ou réduite par l'introduction de nouveaux tarifs territoriaux ou écarts de tarifs ou par des changements aux territoires existants. La demande déposée doit comptabiliser en fonction de ces changements par l'emploi de procédures hors bilan ou en comptabilisant en fonction du changement du niveau de tarification de la prime. Advenant que le changement aux écarts territoriaux ne soit pas comptabilisé hors bilan et qu'au lieu de cela un changement au niveau de tarification soit généré, les paragraphes (a.) - (j.) doivent également être complétés."]
[" All data used in the process of calculating the off-balance must be exhibited and labeled.  The calculation of the off-balance amount must be shown.  All judgments associated with the process of calculating the off-balance should be disclosed and supported.","Toutes les données utilisées pour le calcul des éléments hors bilan doivent être présentées et étiquetées. Le calcul du montant hors bilan doit être présenté. Toutes les décisions associées au processus de calcul des éléments hors bilan devront être divulguées et appuyées."]
[" Off-balance calculations should be based on the insurer's own distributions of business by classification, limit of liability, deductible, or other rate differential.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of its applicability in the instant circumstance.   ","Les calculs des éléments hors bilan devront faire usage de la répartition des contrats de l'assureur lui-même. S'il arrivait à l'assureur d'estimer nécessaire de s'appuyer sur des données de l'extérieur ou sur une source différente de données internes, la demande déposée devra identifier la source des données et fournir une explication de son applicabilité dans la présente affaire."]
["Classification/Limit of Liability/Deductible or other rate differential Indications","Indications de classification/limites d'indemnité/franchises ou autres écarts de tarifs","L"]
["Indicated Differentials","Écarts indiqués"]
["If the insurer is requesting changes in classification differentials, limit of liability differentials, deductible differentials, or other rate differentials, the rate making process must be outlined in detail.","Si l'assureur réclame des changements dans les écarts de classification, les écarts de limite d'indemnité, les écarts de franchise ou autres écarts de tarifs, le processus de tarification doit être décrit en détail."]
["Classification, limit of liability, deductible and other rate differential indications should make use of the insurer's own data.  Should the insurer find it necessary to rely on outside data or a different source of company data, the filing must identify the source of the data and provide an explanation of its applicability in the instant circumstance.  All data used in the process of developing classification, limit of liability, deductible, or other rate differential indications must be exhibited and labelled.","Classifications, limites d'indemnité, franchises, et autres indications d'écarts de tarifs devront faire usage des données de l'assureur lui-même. S'il arrivait à l'assureur d'estimer nécessaire de s'appuyer sur des données de l'extérieur ou sur une source différente de données internes, la demande déposée devra identifier la source des données et fournir une explication de son applicabilité dans la présente affaire. Toutes les données utilisées durant le processus de développement de classifications, de limites de responsabilité, franchises ou autres indications d'écarts de tarifs doivent être présentées et étiquetées."]
["A comparison of current, indicated and proposed differentials must be provided for each coverage for which classification, limit of liability, deductible, or other rate differentials are changing.  Included in this should be the written premium distribution and the exposure distribution by classification, limit of liability, deductible or other rate differential.","Une comparaison des écarts courants, indiqués et projetés doit être fournie pour chaque couverture pour laquelle la classification, la limite d'indemnité, la franchise ou d'autres écarts de tarifs changent. Ceci devra inclure la répartition des primes souscrites et la répartition des risques par classification, limite d'indemnité, ou autre écart de tarif."]
["If credibility procedures are used, they must be disclosed in the same detail as outlined in subsection (H)","Si des procédures de fiabilité sont utilisées, celles-ci doivent être divulguées et appuyées avec les mêmes détails décrits au paragraphe (H)."]
["Has the general approach to calculating rate differentials remained reasonably constant over the years? Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported.The insurer should test for and avoid reversals in its proposed differentials.","L'approche générale pour le calcul des écarts de tarifs est-elle demeurée raisonnablement constante au cours des années? Tout changement soit dans l’approche soit dans les données sous-jacentes devrait être divulgué et documenté.  L’assureur devrait vérifier et éviter les reprises de ses écarts projetés.\n\n"]
["Off-Balance","Éléments hors bilan"]
["The aggregate premium may be increased or decreased through the introduction of new classification, limit of liability, deductible, or other rate differentials or by changes to existing ones.  The filing must account for these changes through the use of off-balance procedures or by accounting for the premium change in its rate level.  In the event that the change is not off-balanced and instead a rate level change is generated, sub sections (a.) -(j.)  must also be completed.","La prime globale peut être augmentée ou réduite par l'introduction d'une nouvelle classification, limite d'indemnité, franchise ou autre écart de tarif ou par des modifications aux primes existantes. La demande déposée doit comptabiliser en fonction de ces changements par l'emploi de procédures hors bilan ou en comptabilisant en fonction du changement du niveau de tarification de la prime. Advenant que le changement de classification, de limite d'indemnité, franchise ou autre écart de tarif ne soit pas comptabilisé hors bilan et qu'au lieu de cela un changement au niveau de tarification soit généré, les paragraphes (a.) - (j.) doivent également être complétés."]
["All data used in the process of calculating the off-balance must be exhibited and ladled.  The calculation of each off-balance must be shown.  All judgements associated with the process of calculating the off-balance should be disclosed and supported.","Toutes les données utilisées pour le calcul des éléments hors bilan doivent être présentées et étiquetées. Le calcul de chaque montant hors bilan doit être présenté. Toutes les décisions associées au processus de calcul des éléments hors bilan devront être divulguées et appuyées."]
["Off-balance calculations should be based on the insurer's own distributions of business by classification, limit of liability, deductible, or other rate differential.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of it applicability in the instant circumstances.","Les calculs des éléments hors bilan devront être basés sur la répartition des contrats du client lui-même par classification, limite d'indemnité, franchise ou autre écart de tarif. S'il arrivait à l'assureur d'estimer nécessaire de s'appuyer sur des données de l'extérieur ou sur une source différente de données internes, la demande déposée devra identifier la source des données et fournir une explication de son applicabilité dans la présente affaire."]
["Has the general approach to calculating the off-balance remained reasonably constant over the years?  Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported.","L'approche générale pour le calcul des éléments hors bilan est-il demeuré raisonnablement constant au cours des années?  Tout changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant devra être divulgué et documenté."]
["Discounts/Surcharges","Escomptes/frais supplémentaires","M"]
["Indicated Discounts or Surcharges","Escomptes ou frais supplémentaires indiqués"]
[" The ratemaking process must be outlined in detail where an insurer proposes to introduce or make changes ","Le processus de tarification doit être décrit en détail quand un assureur projette d'introduire et d'effectuer des changements"]
[" A discount or a surcharge based on group membership could be based on lower (higher) loss costs based on (un) favourable experience, or identifiable characteristics of a group that would result in lower or higher loss exposure. ","Un escompte ou un supplément basé sur l'appartenance à un groupe pourrait être basé sur les coûts perdus inférieurs (supérieurs) basés sur une expérience favorable (non favorable) ou sur les caractéristiques identifiables d'un groupe qui entraîneraient des risques de pertes plus ou moins élevés."]
[" Insurers should maintain separate premium and loss statistics to support a discount or surcharge based on group membership.  The basis of the discount or surcharge should be defined in sufficient detail so that naming individual organizations is not necessary.  Insurers are not expected to develop a unique discount or surcharge for a specific group unless such a group is of sufficient size that its own experience supports such a discount or surcharge.  Support for discounts and surcharges must be actuarially credible and therefore only in the instance of large groups would a unique discount or surcharge be appropriate.  In the case where more than one discount or surcharge is proposed, (e.g., variation of discounts or surcharges based on types of groups), a list of groups and discounts or surcharges applicable is required to be submitted with the filing, as well as on a periodic basis.","Les assureurs devront maintenir des statistiques séparées sur les primes et les pertes afin d'appuyer un escompte ou un supplément basé sur l'appartenance à un groupe. La base de l'escompte ou du supplément devra être définie suffisamment en détail pour qu'il ne soit pas nécessaire de nommer les organisations. On ne s'attend pas à ce que les assureurs établissent un escompte ou un supplément unique pour un groupe spécifique à moins que la taille dudit groupe soit assez importante pour que sa propre expérience appuie un tel escompte ou supplément. La preuve à l'appui pour les escomptes et les frais supplémentaires doit être fiable sur le plan actuariel, de sorte qu'un escompte ou un supplément serait approprié uniquement dans les cas de groupes importants. Dans le cas où l'on propose plus d'un escompte ou un supplément (p. ex., variation d'escomptes et de suppléments basés sur les types de groupes), il est requis de présenter avec le dépôt une liste des groupes et des escomptes ou frais supplémentaires applicables, et de le faire sur une base périodique."]
[" The insurer's own loss data should be used to the extent possible.  If the insurer finds it necessary to rely on outside data or a different source of company data, the insurer must identify the source of the data and provide an explanation of its applicability.  All data used in the process of developing the indicated discounts or surcharges based on group membership should be exhibited and labelled.  ","Les données sur les sinistres de l'assureur lui-même devront être utilisées dans la mesure du possible. S'il arrivait à l'assureur d'estimer nécessaire de s'appuyer sur des données de l'extérieur ou sur une source différente de données internes, l'assureur devra identifier la source des données et fournir une explication de son applicabilité. Toutes les données utilisées au cours du processus d'établissement des escomptes ou frais supplémentaires indiqués basés sur l'appartenance à un groupe devront être présentées et étiquetées."]
[" A comparison of current, indicated and proposed discounts or surcharges must be provided for each coverage when a change is proposed. Included in this should be the written premium distribution and the exposure distribution by discounts or schedule of rates.","On devra fournir une comparaison des escomptes et frais supplémentaires courants, indiqués et proposés pour chaque couverture lorsqu'un changement est proposé. Ceci devra inclure la répartition des primes souscrites et la répartition des risques par escompte ou la liste de tarifs."]
["Has the general approach to calculating discounts or surcharges based on group membership remained reasonably constant? Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported.","L'approche générale pour le calcul des escomptes ou des frais supplémentaires pour l'appartenance à un groupe est-il demeuré raisonnablement constant?  Tout changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant devra être divulgué et documenté.",null,null,null,null,null,null,null,"No"]
[" The aggregate premium may be increased or decreased through the introduction of new discounts or surcharge, or by changes to existing ones.  The filing must account for these changes through the use of off-balance procedures or by accounting for the premium change in its rate level.  In the event that the change in discount or surcharge is not off-balanced and instead a rate level change is generated, subsections (a.) - (j.) must also be completed.","La prime globale peut être augmentée ou réduite par l'introduction de nouveaux escomptes ou suppléments, ou par des changements aux primes existantes. La demande déposée doit comptabiliser en fonction de ces changements par l'emploi de procédures hors bilan ou en comptabilisant en fonction du changement du niveau de tarification de la prime. Advenant que le changement aux escomptes et suppléments ne soit pas comptabilisé hors bilan et qu'au lieu de cela un changement au niveau de tarification soit généré, les paragraphes (a.) - (j.) doivent également être complétés."]
["If there are attachments to support this section please indicate the numbering of Exhibits","S'il existe des pièces jointes pour appuyer cette section, veuillez indiquer la numérotation des pièces à l'appui."]
[" All data used in the process of calculating the off-balance must be exhibited and labelled.  The calculation of each off-balance must be shown.  All judgments associated with the process of calculating the off-balance should be disclosed and supported.","Toutes les données utilisées pour le calcul des éléments hors bilan doivent être présentées et étiquetées. Le calcul de chaque montant hors bilan doit être présenté. Toutes les décisions associées au processus de calcul des éléments hors bilan devront être divulguées et appuyées."]
[" Off-balance calculations should be based on the insurer's own distribution of business for group discounts or surcharges.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of its applicability in the circumstances. ","Les calculs des éléments hors bilan doivent être basés sur la répartition des contrats de l'assureur lui-même pour les escomptes ou les frais supplémentaires de groupes. S'il arrivait à l'assureur d'estimer nécessaire de s'appuyer sur des données de l'extérieur ou sur une source différente de données internes, la demande déposée devra identifier la source des données et fournir une explication de son applicabilité dans la présente affaire."]
["Has the general approach to calculating the off-balance remained reasonably constant? Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported.","L'approche générale pour le calcul des éléments hors bilan est-il demeuré raisonnablement constant?  Tout changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant devra être divulgué et documenté.",null,null,null,null,null,null,null,"No"]
["M.Discount/Surcharges ","Escomptes/frais supplémentaires"]
["M.1. Indicated Discounts or Surcharges","Escomptes ou frais supplémentaires indiqués"]
["The ratemaking process must be outlined in detail where an insurer proposes to introduce or make changes to the amount or value of a discount (except a group discount which is to be disclosed in section N) or surcharge.","Le processus de tarification doit être décrit en détail quand un assureur projette d'introduire et d'effectuer des changements à :• un escompte ou un supplément basé sur l'appartenance à un groupe ; ou \n \n     • des escomptes ou des frais supplémentaires variant au sein des groupes. Un escompte ou un supplément basé sur l'appartenance à un groupe pourrait être basé sur les coûts perdus inférieurs (supérieurs) basés sur une expérience favorable (non favorable) ou sur les caractéristiques identifiables d'un groupe qui entraîneraient des risques de pertes plus ou moins élevés. \n"]
["The insurer's own loss data should be used to the extent possible.  The filing must clearly indicate the basis for the discount or surcharge.  The insurer must have appropriate information to support the discount or surcharge.  If the insurer finds it necessary to rely on outside data or a different source of company data, the insurer must identify the source of the data and provide an explanation of its applicability.  All data used in the process of developing the indicated discounts or surcharges should be exhibited and labeled. ","Les données sur les sinistres de l'assureur lui-même devront être utilisées dans la mesure du possible.  La demande déposée doit indiquer clairement le fondement de l’escompte ou du supplément.  L’assureur doit disposer de l’information appropriée pour corroborer l’escompte ou le supplément.  S'il arrivait à l'assureur d'estimer nécessaire de s'appuyer sur des données de l'extérieur ou sur une source différente de données internes, l'assureur devra identifier la source des données et fournir une explication de son applicabilité.  Toutes les données utilisées au cours du processus d'établissement des escomptes ou des frais supplémentaires indiqués doivent être présentées et étiquetées. "]
["A comparison of current, indicated and proposed discounts or surcharges must be provided for each coverage when a change is proposed. Included in this should be the written premium distribution and the exposure distribution by discounts or surcharges.","On devra fournir une comparaison des escomptes et frais supplémentaires courants, indiqués et proposés pour chaque couverture lorsqu'un changement est proposé. Ceci devra inclure la répartition des primes souscrites et la répartition des risques par escompte ou la liste de tarifs."]
["If credibility procedures are used, they must be disclosed in the same detail as outlined in section H.","Si des procédures de fiabilité sont utilisées, celles-ci doivent être divulguées et appuyées avec les mêmes détails décrits au paragraphe (15.h.)."]
["If no changes to discounts/surcharges are proposed in the filing, insurers must still list all existing discounts and surcharges (including expense-based discounts and group discounts, if applicable).","Si aucun changement d’escomptes ou de frais supplémentaires n’est projeté dans la demande déposée, les assureurs doivent quand même dresser la liste de tous les escomptes et frais supplémentaires existants (y compris les escomptes relatifs aux dépenses et les rabais de groupe, s’il y a lieu)."]
["A current and proposed distribution of the insurer’s book of business that is affected by the discount or surcharge change must be provided to determine the average premium changes (shift). All assumptions and detailed calculation must be provided to support the rate level change.","Une répartition actuelle et projetée du volume d'affaires de l’assureur affecté par le changement d’escompte ou de frais supplémentaires doit être présentée afin d’établir les changements moyens de primes (décalage).  Toutes les hypothèses et les calculs détaillés doivent être présentés pour appuyer le changement de niveau de tarification."]
["The general approach to calculating discounts or surcharges can be expected to remain reasonably constant over the years.  Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported.","On peut s'attendre à ce que l'approche générale pour le calcul des escomptes ou les frais supplémentaires basés sur l'appartenance à un groupe demeure raisonnablement constante au fil des années.  Tout changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant devront être divulgué et appuyé."]
[{"$f":"A677","v":"Off-balance"},{"$f":"B677","v":"Éléments hors bilan"}]
[" The aggregate premium may be increased or decreased through the introduction of new discounts or surcharge, or by changes to existing ones.  The filing must account for these changes using off-balance procedures or by accounting for the premium change in its rate level.  In the event that the change in discount or surcharge is not off-balanced and instead a rate level change is generated, sections A - J must be completed."," La prime globale peut être augmentée ou réduite par l'introduction de nouveaux escomptes ou suppléments, ou par des changements aux primes existantes.  La demande déposée doit comptabiliser en fonction de ces changements par l'emploi de procédures hors bilan ou en comptabilisant en fonction du changement du niveau de tarification de la prime.  Advenant que le changement aux escomptes et suppléments ne soit pas comptabilisé hors bilan et qu'au lieu de cela un changement au niveau de tarification soit généré, les paragraphes (15.a.) - (15.j.) doivent également être complétés."]
["All data used in the process of calculating the off-balance must be exhibited and labeled.  The calculation of each off-balance must be shown.  All judgments associated with the process of calculating the off-balance should be disclosed and supported.","Toutes les données utilisées pour le calcul des éléments hors bilan doivent être présentées et étiquetées.  Le calcul de chaque montant hors bilan doit être présenté.  Toutes les décisions associées au processus de calcul des éléments hors bilan devront être divulguées et appuyées."]
["Off-balance calculations should be based on the insurer's own distribution of business for discounts or surcharges.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of its applicability in the circumstances. ","Les calculs des éléments hors bilan doivent être basés sur la répartition des contrats de l'assureur lui-même pour les escomptes ou les frais supplémentaires de groupes.  S'il arrivait à l'assureur d'estimer nécessaire de s'appuyer sur des données de l'extérieur ou sur une source différente de données internes, la demande déposée devra identifier la source des données et fournir une explication de son applicabilité dans la présente affaire. "]
["The general approach to calculating the off-balance can be expected to remain reasonably constant over the years.  Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported.","On peut s'attendre à ce que l'approche de calcul des éléments hors bilan demeure raisonnablement constante au cours des années.  Tout changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant devront être divulgué et appuyé."]
["Rating Based on Group Membership"]
[" Indicated Discounts or Rates for Groups","Escomptes ou frais supplémentaires indiqués"]
["The ratemaking process must be outlined in detail where an insurer proposes to introduce or make changes to:","Le processus de tarification doit être décrit en détail quand un assureur projette d'introduire et d'effectuer des changements à :"]
["a discount or schedule of rates based on membership in a group; or","un escompte ou un supplément basé sur l'appartenance à un groupe ; ou "]
["discounts or a schedule of rates that vary among groups.","des escomptes ou des frais supplémentaires variant au sein des groupes."]
["A discount or a schedule of rates based on group membership could be based on lower (higher) loss costs based on (un)favorable experience, or risk management programs, or identifiable characteristics of a group that would result in lower or higher loss exposure or lower expenses based on lower administrative expense or lower acquisition cost. ","Un escompte ou un supplément basé sur l'appartenance à un groupe pourrait être basé sur les coûts perdus inférieurs (supérieurs) basés sur une expérience favorable (non favorable) ou sur les caractéristiques identifiables d'un groupe qui entraîneraient des risques de pertes plus ou moins élevés. "]
["Insurers should maintain separate premium and loss statistics to support a discount or schedule of rates based on group membership.  The basis of the discount or surcharge should be defined in sufficient detail so that naming individual organizations is not necessary.  Insurers are not expected to develop a unique discount or schedule of rates for a specific group unless such a group is of sufficient size that its own experience supports such a discount or schedule of rates.  Support for discounts and rates must be actuarially credible and therefore only in the instance of large groups would a unique discount or schedule of rates be appropriate.  In the case where more than one discount is proposed, (e.g., variation of discounts based on types of groups), a list of groups and discounts applicable is required to be submitted with the filing, as well as on a periodic basis. Insurers should complete a regular compliance review of group business to ensure that the business continues to qualify as a group and that the group discount or schedule of rates continue to be supported.","Les assureurs devront maintenir des statistiques séparées sur les primes et les pertes afin d'appuyer un escompte ou une liste de tarifs basée sur l'appartenance à un groupe.  La base de l'escompte ou du supplément devra être définie suffisamment en détail pour qu'il ne soit pas nécessaire de nommer les organisations.  On ne s'attend pas à ce que les assureurs établissent un escompte ou une liste de tarifs unique pour un groupe spécifique à moins que la taille dudit groupe soit assez importante pour que sa propre expérience appuie un tel escompte ou une telle liste de tarifs.  La preuve à l'appui pour les escomptes et les tarifs doit être fiable sur le plan actuariel, de sorte qu'un escompte unique ou une liste de tarifs serait approprié(e) uniquement dans les cas de groupes importants.  Dans le cas où l'on propose plus d'un escompte (p. ex., variation d'escomptes basés sur les types de groupes), il est requis de présenter avec le dépôt une liste des groupes et des escomptes applicables, et de le faire sur une base périodique.  Les assureurs devraient effectuer un examen de conformité régulier des affaires de groupe afin de s’assurer que l’entreprise continue de se qualifier en tant que groupe et que le rabais de groupe continue d’être corroboré."]
["The insurer's own loss data should be used to the extent possible.  If the insurer finds it necessary to rely on outside data or a different source of company data, the insurer must identify the source of the data and provide an explanation of its applicability.  All data used in the process of developing the indicated discounts or surcharges based on group membership should be exhibited and labeled. ","Les données sur les sinistres de l'assureur lui-même devront être utilisées dans la mesure du possible.  S'il arrivait à l'assureur d'estimer nécessaire de s'appuyer sur des données de l'extérieur ou sur une source différente de données internes, l'assureur devra identifier la source des données et fournir une explication de son applicabilité.  Toutes les données utilisées au cours du processus d'établissement des escomptes ou frais supplémentaires indiqués basés sur l'appartenance à un groupe devront être présentées et étiquetées. "]
["A comparison of current, indicated and proposed discounts or schedule of rates must be provided for each coverage when a change is proposed. Included in this should be the written premium distribution and the exposure distribution by discounts or schedule of rates.","On devra fournir une comparaison des escomptes et frais supplémentaires courants, indiqués et proposés pour chaque couverture lorsqu'un changement est proposé. Ceci devra inclure la répartition des primes souscrites et la répartition des risques par escompte ou la liste de tarifs."]
["If credibility procedures are used, they must be disclosed in the same detail as outlined in section H.","Si des procédures de fiabilité sont utilisées, celles-ci doivent être divulguées et appuyées avec les mêmes détails décrits au paragraphe (15.h.)."]
["The general approach to calculating discounts or rates based on group membership can be expected to remain reasonably constant over the years.  Has there been any change in either the approach or the underlying data from the prior rate filing? Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported.","On peut s'attendre à ce que l'approche générale pour le calcul des escomptes ou les frais supplémentaires basés sur l'appartenance à un groupe demeure raisonnablement constante au fil des années. Y a-t-il eu changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant? Tout changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant devront être divulgué et appuyé."]
[{"$f":"A677","v":"Off-balance"},{"$f":"B677","v":"Éléments hors bilan"}]
["The aggregate premium may be increased or decreased through the introduction of new discounts or rates, or by changes to existing ones.  The filing must account for these changes using off-balance procedures or by accounting for the premium change in its rate level.  In the event that the change in discount or surcharge is not off-balanced and instead a rate level change is generated, sections A - J must be completed."," La prime globale peut être augmentée ou réduite par l'introduction de nouveaux escomptes ou suppléments, ou par des changements aux primes existantes.  La demande déposée doit comptabiliser en fonction de ces changements par l'emploi de procédures hors bilan ou en comptabilisant en fonction du changement du niveau de tarification de la prime.  Advenant que le changement aux escomptes et suppléments ne soit pas comptabilisé hors bilan et qu'au lieu de cela un changement au niveau de tarification soit généré, les paragraphes (15.a.) - (15.j.) doivent également être complétés."]
["All data used in the process of calculating the off-balance must be exhibited and labeled.  The calculation of each off-balance must be shown.  All judgments associated with the process of calculating the off-balance should be disclosed and supported.","Toutes les données utilisées pour le calcul des éléments hors bilan doivent être présentées et étiquetées.  Le calcul de chaque montant hors bilan doit être présenté.  Toutes les décisions associées au processus de calcul des éléments hors bilan devront être divulguées et appuyées."]
["Off-balance calculations should be based on the insurer's own distribution of business for group discounts or schedule of rates.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of its applicability in the circumstances. ","Les calculs des éléments hors bilan doivent être basés sur la répartition des contrats de l'assureur lui-même pour les escomptes ou les frais supplémentaires de groupes.  S'il arrivait à l'assureur d'estimer nécessaire de s'appuyer sur des données de l'extérieur ou sur une source différente de données internes, la demande déposée devra identifier la source des données et fournir une explication de son applicabilité dans la présente affaire."]
["The general approach to calculating the off-balance can be expected to remain reasonably constant over the years.  Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported.","On peut s'attendre à ce que l'approche de calcul des éléments hors bilan demeure raisonnablement constante au cours des années.  Tout changement soit de l'approche, soit des données sous-jacentes par rapport à une demande déposée auparavant devront être divulgué et appuyé."]
["SECTION 6: FINAL RATES/RATE LEVEL CHANGE","AETICLE 6 : TARIFS FINAUX/CHANGEMENT AU NIVEAU DE TARIFICATION"]
["Exhibits illustrating current and proposed rating algorithms, base rates, discounts/surcharges, and differentials, clearly identified as either current or proposed, must be disclosed in this section, including any explanatory material in support of the proposed changes. To facilitate the review process, all of 6.a. - 6.d. must be included even though the change may be to only one of the elements. ","Les pièces à l'appui illustrant les algorithmes de tarification actuels et projetés, les tarifs de base, les escomptes/frais supplémentaires et les écarts (de tarifs), clairement identifiés comme étant actuels ou projetés, doivent être divulgués dans la présente section, y compris tout matériel explicatif en appui des changements projetés.  Afin de faciliter le processus d'examen, les paragraphes entiers 6.a. - 6.d. doivent être inclus même si le changement doit s’appliquer à un seul des éléments. "]
["6.a. Algorithm \nExhibits illustrating current and proposed algorithms for all coverage, including discounts and surcharges and 6-month policy adjustment factor (if applicable) must be disclosed in this section. \n","6.a. Algorithme Les pièces à l'appui illustrant les algorithmes actuels et projetés pour toutes les couvertures, y compris les escomptes et les frais supplémentaires et le facteur de redressement de police de 6 mois (s'il y a lieu), doivent être divulgués dans le présent alinéa. "]
["6.b. Base Rates Exhibits illustrating current and proposed base rates must be disclosed in this section. ","6.b. Les pièces à l'appui des tarifs de base illustrant les tarifs de base actuels et projetés doivent être divulguées dans le présent alinéa. "]
["6.c. Differentials  Exhibits illustrating current and proposed differentials must be disclosed in this section.","6.c. Les pièces à l'appui des écarts de tarifs illustrant les tarifs de base actuels et projetés doivent être divulguées dans le présent alinéa."]
["6.d. Discounts and Surcharges Exhibits illustrating all current and proposed discounts and surcharges for each applicable coverage must be disclosed in this section. ","6.d. Les pièces à l'appui d’escomptes et de frais supplémentaires illustrant tous les escomptes et frais supplémentaires actuels et projetés pour chaque couverture pertinente doivent être divulguées dans le présent alinéa. "]
["6.e. Calculation of Final Rates The filing must clearly describe and show how current base rates by coverage are transformed into proposed base rates through the filing of the proposed rate change in combination with any off-balance. ","6.e. Calcul des tarifs finaux La demande déposée doit clairement décrire et montrer la façon dont les tarifs de base actuels sont transformés en tarifs de base projetés par l’intermédiaire du dépôt de demande de changement de tarif projeté en combinaison avec tous éléments hors bilan. "]
["6.f. Calculation of Rate Level Change and Average Rate The filing must clearly describe and show how the rate level impact of changes to base rates, differentials and discounts or surcharges, in combination with any off-balance which may be applied, are used to calculate the overall rate level change on a per coverage basis. This calculation should reconcile with the Proposed Overall Rate Level Change from Appendix A, Question 4a or Question 12, if applicable. \nThe insurer must provide the background and detailed calculation to support the current and proposed average rate calculation under Question 4b of Appendix A. \n","6 f. Calcul du changement de niveau de tarification et du tarif moyen  La demande déposée doit clairement décrire et montrer la façon dont l’impact des changements, écarts et escomptes ou frais supplémentaires du niveau de tarification, en combinaison avec tout élément hors bilan qui pourrait être appliqué, est utilisé pour calculer le changement global de tarif pour chaque couverture.  Ce calcul devrait être rapproché avec le changement global de tarif projeté de l’annexe A, question 4a ou question 12, s’il y a lieu.  L’assureur doit présenter les renseignements de base et le calcul détaillé pour corroborer le calcul des tarifs courants et projetés établi en application de la question 4b ou l’annexe A. "]
["6.g. Dislocation and Rate Capping Capping of rates is a tool that insurers employ to limit dislocation of premium and, thereby, improve retention where revisions to rating programs create substantial changes in the distribution of premium among risk profiles. The principal causes of such dislocation are revision of relativities for existing rating variables or introduction of a new algorithm with new rating variables, though it could relate to acquisition of a portfolio. \nInsurers have the option to apply capping to premium and can use capping so as to preserve overall premium level provided: \n","6.g.La dislocation et le plafonnement des tarifs \nest un outil que les assureurs emploient pour limiter la dislocation de la prime et, par ce fait, améliorer la fidélisation lorsque les révisions des programmes de tarification créent des changements importants dans la répartition des primes parmi les profils de risque.  Les principales causes d’une telle dislocation sont la révision des valeurs relatives pour les variables de tarification existantes ou l’introduction d’un nouvel algorithme avec des nouvelles variables de tarification, bien que ce pourrait être en relation avec l’acquisition d’un portefeuille. \nLes assureurs ont l’option d’appliquer un plafonnement à la prime et peuvent utiliser le plafonnement de façon à préserver le niveau global de la prime présentée :\n"]
["SECTION 8: MANUAL PAGES CONTAINING REVISED RATES AND RATING PROGRAM","ARTICLE 8 : PAGES-MANUEL RENFERMANT DES TARIFS RÉVISÉS ET UN PROGRAMME DE TARIFICATION"]
["A proposed set of manual pages with rating rules, discounts, surcharges or definition changes must be provided with the filing. A proposed set of manual pages that contain the rates by territory and class, driving record, etc. is optional at the time of submitting the filing. \nAny changes or additions to the rating rules, definitions or text in the proposed rate manual should be denoted by a sidebar.\nA final and complete set of manual pages in electronic format by email or secure document transfer system containing the approved rates and rating program must be submitted within 30 days after the rate filing has been approved. The electronic copy of the complete rate manual submitted to the AIRB must be identical to any hard copies or versions that are being distributed to anyone, including brokers, agents or other vendors. The insurer is required to include a copy of the most current vehicle rate group tables in the complete manual or clearly reference the table in use by year and type. Refer to the Filing Guidelines for Automobile Rate Manuals for instructions.\n","Un ensemble projeté de pages-manuel renfermant règles tarifaires, escomptes, frais supplémentaires ou changements de définitions doit être présenté avec la demande déposée.  Un ensemble projeté de pages-manuel renfermant les tarifs par territoire et classification, dossier de conduite, etc. est facultatif au moment de soumettre le dépôt de demande. \nTout changement ou ajout aux règles tarifaires, définitions et textes dans le manuel des tarifs projeté devrait être désigné par un encadré.\nUn ensemble final et complet de pages-manuel sous forme électronique ou un système de transfert de documents sécurisé contenant les tarifs approuvés et le programme tarifaire doit être présenté dans les 30 jours suivant l’approbation du dépôt de demande de tarification.  La copie électronique du manuel des tarifs complet soumis à l’AIRB doit être identique à toute copie papier ou toute version distribuée à qui que ce soit, y compris les courtiers, agents ou autres vendeurs.  L’assureur est requis d’inclure une copie des tableaux groupés des tarifs de véhicules les plus récents dans le manuel complet ou de faire clairement référence au tableau utilisé selon l’année et le type.  Pour le mode d’emploi, se référer aux Directives concernant les dépôts de demandes pour les manuels de tarifs automobiles.\n"]
["SECTION 9: RATING EXAMPLES","ARTICLE 9 : EXEMPLES DE TARIFICATION"]
["Appendix C sets out twelve rating examples for private passenger vehicles. Each insurer must file with the NBIB those rating examples that would be affected by the filing. Also, the NBIB may require additional and/or different rating examples as a consequence of the review process. The rating examples must be provided in Excel format. \nThe rating examples must be completed according to the risk description specified. Each insurer must provide both current and proposed rating criteria for each of the rating examples as required.\n","L’annexe C établit douze exemples de tarification pour véhicules de tourisme.  Chaque assureur doit déposer à la CANB ces exemples de tarification qui seraient affectés par le dépôt.  En outre, la CANB peut requérir des exemples de tarification supplémentaires et/ou différents à titre de conséquence du processus d'examen.  Les exemples de tarification doivent être présentés en format Excel.  Les exemples de tarification doivent être complétés conformément à la description des risques spécifiée. Chaque assureur doit présenter à la fois les critères de tarification actuels et projetés pour chacun des exemples de tarification requis."]
["Any additional information pertaining to the rating example must be disclosed with a detailed description for each affected rating example.","Toute information supplémentaire en relation avec l’exemple de tarification doit être divulguée avec une description détaillée pour chaque exemple de tarification affecté."]
["Specific instructions and key assumptions that should be adopted when completing these rating examples are: ","Les directives spécifiques et les hypothèses clés qui devraient être adoptées au moment de compléter ces exemples de tarification sont les suivantes : "]
["• All rates are to be stated on an annual basis. If annual policies are not issued, the rates should be converted to an annual basis. \n• All risks should be rated strictly according to the information provided. DO NOT provide preferred rates unless the criteria as stated fit the eligibility rules for a preferred class. If so, provide only the preferred rates, and state so. \n• Clearly identify all applicable surcharges/discounts that apply to each coverage. \n• If a rating example does not describe a unique rate, the insurer is to provide the highest and lowest rate that could be charged on the described risk, and disclose the assumption underlying the difference. \n","• Tous les tarifs doivent être déclarés sur une base annuelle.  Si des polices annuelles ne sont pas émises, les tarifs devront être convertis sur une base annuelle. • Tous les risques doivent être tarifés strictement selon l’information fournie.  NE PAS présenter de tarifs préférentiels à moins que les critères tels que déclarés soient conformes aux règles d’admissibilité pour une catégorie préférentielle.  Si c’est le cas, présenter uniquement les tarifs préférentiels, et les déclarer comme tels. • Identifier clairement tous les frais supplémentaires applicables/escomptes s’appliquant à chaque couverture. • Si un exemple de tarification ne décrit pas un tarif unique, l’assureur devra fournir le tarif le plus élevé et le tarif le plus bas pouvant être exigé pour le risque décrit, et divulguer l’hypothèse sous-jacente à l’écart de tarif. "]
[]
[]
[]
[]
[]
[]
["FA Comparison","Comparaison FA"]
["Base Premiums","Primes de base"," ",null,null,null,null,null,null," "]
["Territory","Territoire"]
["Urban/Rural","Urbain/Rural"]
["Proposed ","Projeté ",null,null,null,null," "]
["Different","Écart"]
["Change(%)","Chang.(%)"]
["Bodily Injury & Property Damage","Bless. corporelle et domm. aux biens"]
["Direct Compensation Property Damage","Indemnisation directe - dommages matériels"]
["Accident Benefits","Assurance individuelle"]
["Uninsured Motorist","Automobilistes non assurés"]
["Collision","Collision"]
["Comprehensive","Multirisque"]
["Specified Perils","Risques spécifiés"]
["Class Differentials","Écarts de classifications"]
["Class ","Catégorie"]
["Urban ","Urbain"]
["Rural","Rural"]
["BI & PD","Bless. corporelle et domm. aux biens"]
["DCPD","Indemn. directe - domm. Matériels"]
["Driving Record Differentials","Écarts de dossier de conduite"]
["Driving Record  ","Dossier de conduite"]
["Limit Differentials","Écarts limites"]
["Limit (000)","Limite (000)"]
["End 44","END 44"]
["Deductible Differentials","Écarts de franchise"]
["Deductible","Franchise"]
["Clear Rate Group Differentials","Écarts de groupes de tarifs CLEAR"]
["Rate Groups","Groupe tarifaire"]
["DCPD & Coll","Indemn. directe - domm. mat. et coll."]
["Comp. & Spec. Perils","Multirisque et risques spécifiés"]
["AB","Assurance individuelle"]
["Over 30","Plus de 30"]
["Profile 10.1 Private Passenger:","Profil 10.1 véhicules de tourisme :"]
["Operator 1:","Conducteur 1 :"]
["Male, Age 19","Sexe masculin, 19 ans"]
["Driver training","Formation en conduite automobile"]
["Licensed 2 years, Class 5 license/G in Ontario: ","Titulaire de permis 2 ans, permis classe 5 /G en Ontario :"]
["1 year level 2 graduated license (G2/L2), 2 years full license (G/L)","Permis gradué niveau 2, 1 an (G2/L2), permis définitif 2 ans (G/L)"]
["Renewal, 2 years with present company","Renouvellement, 2 ans avec la compagnie actuelle"]
["Pleasure use - annual mileage 18,000 km","Promenade - kilométrage annuel 18 000 km"]
["1 AF 12 months ago ","1 AF 12 mois auparavant"]
["1 AF 2 years ago","1 AF 2 ans auparavant"]
["Convictions - 1 minor violation 12 months ago, 1 minor violation 2 years ago","Condamnations - 1 infraction mineure 12 mois auparavant, 1 infraction mineure 2 ans auparavant"]
["2005 Mazda3 GS Sedan 4DR (VICC Code 7724) ","2005 Mazda3 GS Sedan 4DR (Code CIVC 7724)"]
["Coverages:","Protections :"]
["Liability and END 44 $1,000,000 Limit","Ass. resp. et END 44  limite 1 000 000 $"]
["Accident Benefits - Basic","Indemnité pour accident - de base"]
["DCPD - $0 Deductible ","Indemn. directe - domm. matériels - franchise 0 $"]
["Collision $500 Deductible","Collision franchise 500 $"]
["Comprehensive $250 Deductible (Except Ontario $300)","Multirisque, franchise 250 $ (sauf Ontario, 300 $)"]
["BI","Bless. Corp."]
["PD","Domm. aux biens"]
["DCPD*","Indemn. directe - domm. mat.*"]
["AB","Assur. indiv."]
["UA","Voiture non assurée"]
["Total Mandatory Coverages         ","Total couv. oblig. et facult."]
["END 44","END 44"]
["Coll","Coll"]
["Comp","Multi-risque"]
["Total Optional Coverages        ","Total couv. facult.    "]
["Total of Mandatory and Optional","Total couv. oblig. et facult."]
["Territory 1","Territoire 1"]
["Territory 2","Territoire 2"]
["Territory 3","Territoire 3"]
["Territory 4","Territoire 4"]
["Territory 5","Territoire 5"]
["Territory 6","Territoire 6"]
["Territory 7","Territoire 7"]
["Territory 8","Territoire 8"]
["Territory 9","Territoire 9"]
["Territory 10","Territoire 10"]
["Territory 11","Territoire 11"]
["Company:","Company:"]
["% +/- to FA Rates","% +/- tarifs FA"]
["* Form part of Third Party Liability. If there is no break-down, put TPL under Bodily Injury and include Health Levy, if applicable.","* faisant partie de la responsabilité civile. S'il n'y a pas de ventilation, placer Resp. civile sous Blessure corporelle et inclure Impôt sur la santé, s'il y a lieu."]
["Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.","Traitement de classification: par conducteur, spécifier classe, dossier de conduite, groupe tarifaire, etc., et le % du montant de tous les escomptes ou frais supplémentaires applicables."]
[]
["IAO Comparison","Comparaison IAO"]
["April 2016 IAO Approved PPV","Avril 2016 IAO Approuvé PPV"]
["Base Premiums","Primes de base"]
["Territory","Territoire"]
["Urban/Rural","Urbain/Rural"]
["Bodily Injury (BI)","Indemnisation directe"]
["Property Damage (PD)","Dommages matériels"]
["Direct CompensationProperty Damage(DCPD)","Indemnisation directe - dommages matériels"]
["Accident Benefits (AB)","Assurance individuelle"]
["Uninsured Motorist","Automobilistes non assurés"]
["Comprehensive","Multirisque"]
["Specified Perils","Risques spécifiés"]
["Proposed ","Projeté"]
["Different","Écart"]
["Change(%)","Chang.(%)"]
["Class Differentials","Écarts de classifications"]
["Class ","Catégorie"]
["Limit (000)","Limite (000)"]
["Urban ","Urbain"]
["Rural","Rural"]
["BI & PD","Bless. corporelle et domm. aux biens"]
["DCPD","Indemn. directe - domm. Matériels"]
["Driving Record Differentials","Écarts de dossier de conduite"]
["Driving Record  ","Dossier de conduite"]
["All perils Factor","Tous risques et facteurs"]
["Limit Differentials","Écarts limites"]
["Limit (000)","Limite (000)"]
["Deductible Differentials","Écarts de franchise"]
["Deductible","Franchise"]
["Clear Rate Group Differentials","Écarts de groupes de tarifs CLEAR"]
["Rate Groups","Groupe tarifaire"]
["DCPD/Coll/Comp","Indemn. Directe et domm. mat/ coll./multirisque/risques spécifiés"]
["BI & PD","Bless. corporelle et domm. aux biens"]
["1.00 x Comprehensive","100 % * multirisque"]
["Over 30","Plus de 30"]
["2019 IAO Approved","2019 IAO Approuvé "]
["Ambulance","Ambulance"]
["Type","Type"]
["Type of Use Differentials","Type d’utilisation des différentiels"]
["Type of Use  ","Type d'utilisation"]
["Public-Emergency","Public – urgence"]
["Public - No emergency","Public – pas d’urgence"]
["Private","Privé"]
["PPA (Class 7) Factors","Facteurs pour voitures de tourisme (classe 7)"]
["All Territories","tous les territoires"]
["Limit","Limite  "]
["Accident Benefits and UA","Assurance individuelle et Automobilistes non assurés"]
["Third Party Liability","Responsabilité civile"]
["ATV/SV","Véhicules tout terrain/Véhicules d'hiver"]
["ATV-Medium","VTT-médium"]
["ATV-Heavy","VTT-lourd"]
["Snowmobile","Véhicules d'hiver"]
["ATV","Véhicules tout terrain"]
["Over 20","Plus de 20"]
["Rating Group Differentials","Écarts de groupes de tarifs"]
["DCPD/Collision","Indemn. Directe et domm. mat/ coll."]
["Comp/Spec. Perils","multirisque/risques spécifiés"]
["Buses","Autobus"]
["Road Hazard - Bodily Injury","Risque routier – blessure corporelle"]
["Road Hazard - Property Damage","Risque routier – dommage matériel"]
["Road Hazard - DCPD","Risque routier – indemnisation directe des dommages matériels"]
["Passenger Hazard - Bodily Injury","Risque des passagers – Blessure corporelle"]
["Passenger Hazard - Property Damage","Risque des passagers – Dommage matériel"]
["Public \nBuses","Autobus publics"]
["Private Buses Used to Transport Employees","Autobus privés pour le transport des employés"]
["Private Buses (Hotel, Golf & Country Club)","Autobus privés (hôtel, club de golf)"]
["Private Bus","Autobus Privés"]
["School Buses","Autobus scolaire"]
["Seating Capacity Differentials"," Nombre de sièges des différentiels"]
["Seating Capacity"," Nombre de sièges"]
["30 & over","30 et plus"]
["Passenger Bodily Injury\nOne Person Limit ($200,000)","Blessure corporelle du passager, limite pour une personne (200 000 $)\n"]
["Passenger Bodily Injury\nOne Person Limit ($300,000)","Blessure corporelle du passager, limite pour une personne (300 000 $)\n"]
["Passenger Bodily Injury\nOne Person Limit ($500,000)","Blessure corporelle du passager, limite pour une personne (500 000 $)\n"]
["Passenger Bodily Injury\nOne Person Limit ($1,000,000)","Blessure corporelle du passager, limite pour une personne (1 000 000 $)\n"]
["Passenger Bodily Injury\nOne Person Limit ($2,000,000)","Blessure corporelle du passager, limite pour une personne ( 2 000 000 $)\n"]
["Passenger Bodily Injury\nOne Person Limit ($3,000,000)","Blessure corporelle du passager, limite pour une personne (3 000 000 $)\n"]
["Passenger Bodily Injury One Person Limit ($5,000,000)","Blessure corporelle du passager, limite pour une personne (5 000 000 $)\n"]
["Passenger Bodily Injury\nOne Person Limit ($10,000,000)","Blessure corporelle du passager, limite pour une personne (10 000 000 $)\n"]
["Distance of Operation Differentials","Distance d’opération des différentiels"]
["Distance of Operation","Distance d’opération"]
["within 25 km of city limits","Moins de 25 km des limites de la ville"]
["Between 25km and 80km","Entre 25 km et 80 km"]
["Between 80km and 240km","Entre 80 km et 240 km"]
["Over 240Km","plus de 240 km"]
["List Price New","Nouvelle liste de prix"]
["up to 7500","jusqu'à 7500"]
["PPA (CLASS 07) & COMMERCIAL (CLASS 44) FACTORS","FACTEURS POUR VOITURES DE TOURISME (CLASSE 07) ET COMMERCIAUX (CLASSE 44)"]
["Category","catégorie"]
["School ","école"]
["Private","Privés"]
["Motorhomes/Trailers/Camper Units","Autocaravanes/Remorques/Autovaravanes détachables"]
["Motorhomes","Autocaravanes"]
["Trailers","Remorques"]
["Camper Units","Autocaravanes détachables"]
["up to 1000","jusqu'à 1000"]
["over 30,000","plus de 30 000"]
["Type of Use PPA Factors","Type d’utilisation des facteurs pour les voitures de tourisme"]
["DCPD-Coll-Comp","Indemn. Directe et domm. mat/ coll./multirisque"]
["Motorcycle/Mopeds","Motocyclettes/Cyclomoteurs"]
["Motorcycle ","Motocyclettes"]
["Mopeds","Cyclomoteurs"]
["Engine Capacity Differentials","Différentiels de cylindrée du moteur"]
["CC","cc"]
["up to 100","jusqu'à 100"]
["over 750","plus de 750"]
["9 & over","9 et plus"]
["Year License Differentials","Différentiels du permis annuel"]
["Other","Autre"]
["Over 20","plus de 20"]
["Taxi","Taxi"]
["Road/Passenger Hazard - Bodily Injury","Risque routier ou du passager – Blessure corporelle"]
["Road/Passenger Hazard - BI/PD","Risque routier ou du passager – Blessure corporelle/dommage matériel"]
["Road Hazard - Property Damage","Risque routier – dommage matériel"]
["Road Hazard - DCPD","Risque routier – indemnisation directe des dommages matériels"]
["Passenger Hazard - Property Damage","Risque des passagers – Dommage matériel"]
["Over 30","plus de 30"]
["60 & over","60 et plus"]
["Exclusively Owner Driven Taxis Discount","Rabais pour taxis conduit par le propriétaire exclusivement"]
["10.00 % of Total Premium","10 % de la prime totale"]
["PPA (Class 7) Factors","Facteurs pour voitures de tourisme (classe 7)"]
["Commercial","Véhicules Commerciaux"]
["All perils Factor","Tous risques et facteurs"]
["1.00 x Comprehensive","100 % * multirisque"]
["Interurban","Véhicules Interurbains"]
["All","Tous"]
["*  Excludes radioactive transport.","*À l’exception du transport de matières radioactives"]
["Additional differential per Rate Group:","Différentiel supplémentaire par groupe de tarification :"]
["(as a % of prior Rate Group)","(comme un pourcentage du groupe de tarification précédent)"]
["PPV","Véhicules de type familial (véhiclues de tourisme)"]
["$2,500 or greater","2500 $ et plus"]
["Company","Compagnie"]
[]
["Info Filing Types"]
[{"$f":"A16","v":"Vehicle Type:"},{"$f":"B16","v":"Type de véhicule :"}]
[{"$f":"A965","v":"PPV"},{"$f":"B965","v":"Véhicules de type familial (véhiclues de tourisme)"}]
[{"$f":"A957","v":"Commercial"},{"$f":"B957","v":"Véhicules Commerciaux"}]
[{"$f":"A960","v":"Interurban"},{"$f":"B960","v":"Véhicules Interurbains"}]
[{"$f":"A936","v":"Motorcycle "},{"$f":"B936","v":"Motocyclettes"}]
[{"$f":"A946","v":"Taxi"},{"$f":"B946","v":"Taxi"}]
[{"$f":"A888","v":"ATV"},{"$f":"B888","v":"Véhicules tout terrain"}]
[{"$f":"A887","v":"Snowmobile"},{"$f":"B887","v":"Véhicules d'hiver"}]
[{"$f":"A872","v":"Ambulance"},{"$f":"B872","v":"Ambulance"}]
["Antiques","Anciennes et classiques"]
[{"$f":"A927","v":"Motorhomes/Trailers/Camper Units"},{"$f":"B927","v":"Autocaravanes/Remorques/Autovaravanes détachables"}]
[{"$f":"A928","v":"Motorhomes"},{"$f":"B928","v":"Autocaravanes"}]
["Other Personal"]
["Other Public"]
[{"$f":"A902","v":"Private Bus"},{"$f":"B902","v":"Autobus Privés"}]
[{"$f":"A899","v":"Public \nBuses"},{"$f":"B899","v":"Autobus publics"}]
[{"$f":"A903","v":"School Buses"},{"$f":"B903","v":"Autobus scolaire"}]
["Full Filing Due Every"]
["1 year"]
["1 year"]
["2 years"]
["2 years"]
["2 years"]
["3 years"]
["3 years"]
["only if rate changes"]
["only if rate changes"]
["only if rate changes"]
["only if rate changes"]
["only if rate changes"]
["only if rate changes"]
["only if rate changes"]
["only if rate changes"]
["only if rate changes"]
["If Written Premium >=  limits below, RFG-1 required.  NA = filing not required unless proposing change"]
["not applicable"]
["$0.5M"]
["$0.5M"]
["$0.5M"]
["$0.5M"]
["$0.5M"]
["$0.25M"]
["not applicable"]
["not applicable"]
["not applicable"]
["not applicable"]
["not applicable"]
["not applicable"]
["not applicable"]
["not applicable"]
["not applicable"]
["RFG Required"]
["1 or 2","1 ou 2"]
["1, 2 or 8","1, 2 ou 8"]
["1, 2, 7 or 8","1, 2, 7 ou 8"]
["1, 2, 7 or 8","1, 2, 7 ou 8"]
["1, 2, 7 or 8","1, 2, 7 ou 8"]
["1, 2, 7 or 8","1, 2, 7 ou 8"]
["1, 2, 7 or 8","1, 2, 7 ou 8"]
["2, 7 or 8","2, 7 ou 8"]
["2, 7 or 8","2, 7 ou 8"]
["2, 7 or 8","2, 7 ou 8"]
["2, 7 or 8","2, 7 ou 8"]
["2, 7 or 8","2, 7 ou 8"]
["2, 7 or 8","2, 7 ou 8"]
["2, 7 or 8","2, 7 ou 8"]
["2, 7 or 8","2, 7 ou 8"]
["2, 7 or 8","2, 7 ou 8"]
[{"$f":"A15","v":"Filing Type:"},{"$f":"B15","v":"Description du dépôt de demandes projeté :"}]
["RFG-1",{"$f":"A1039","v":"RFG-1"}]
["RFG-2","RFG-2"]
["RFG-3","RFG-3"]
["RFG-4","RFG-4"]
["RFG-5","RFG-5"]
["RFG-6","RFG-6"]
["RFG-7","RFG-7"]
["RFG-8","RFG-8"]
["Description"]
["Major Filing with Justification"]
["Companies Adopting IAO Rates"]
["Rate Group Update"]
["Rating Rule Change","Changements de tarification  de souscription"]
["Endorsement Filing"]
["U/W Rule Change","Changements de règles de souscription"]
["Simplified Filing - no rate change"]
["Minor Filing with no justification"]
["Hard Copy "]
["Electronic Copy"]
["YES","OUI"]
["YES"]
["Electronic Only"]
["Electronic Only"]
["Electronic Only"]
["Electronic Only"]
["Electronic Only"]
["Electronic Only"]
["Electronic Only"]
["Other Personal Vehicles included Antiques, Campers & Trailers Units and Motorhomes"]
["Other Public Vehicles included Ambulances, Private Buses, Public Buses and School Buses"]
[]
["Input year into cells G325 - K325 example 2020",null,"L325 Confidentail"]
["Rate Changes Select Yes for proposed changes found in this filing",null,"Row 44"]
["Other Rating Variables",null,"Row 88"]
["For Tables 5-12 below, complete rows 98-100:",null,"Rows 89-93"]
["On what basis are the following tables completed:",null,"A98"]
["What was used for the calculation? i.e. inforce",null,"C98"]
["These numbers should reflect the book of business for :",null,"row 100"]
["ONLY",null,"row 103"]
["Please attach a map of rating territories to Sheet labelled \"Map of Rating Territories\"",null,209]
["Please indicate source and date of  data for above tables",null,211]
["If any cells in table 16 are left blank, provide reason here:",null,246]
["If yes, which section and subsection contain the details?",null,287]
["Ratemaking Methodology",null,308]
["Input year into cells G325 - K325 example 2020",null,325]
["MIR",null,447]
[null,null,"509-541"]
[null,null,"555-568"]
[null,null,584]
["table 28"]

{"sheet":"Executive Summary","index":4,"n_rows":112,"n_cols":12,"rows_kept":112,"cut":false,"hidden":true,"merged":[[31,1,31,4],[32,1,32,2],[33,1,33,2],[8,1,8,3],[8,4,8,5],[8,6,8,8],[9,0,9,8],[10,2,10,3],[10,5,10,7],[11,4,11,6],[11,7,11,8],[15,0,15,8],[12,0,12,8],[13,0,13,8],[14,1,14,2],[14,4,14,8],[22,0,22,1],[16,0,16,8],[17,0,17,8],[20,0,21,0],[20,3,20,4],[20,5,20,7],[21,3,21,4],[21,5,21,7],[0,0,0,8],[1,0,1,8],[6,4,6,5],[6,6,6,8],[5,0,7,0],[6,2,6,3],[7,2,7,3],[7,4,7,5],[7,6,7,8],[2,0,2,8],[3,1,3,2],[4,0,4,2],[4,4,4,5],[4,6,4,8],[5,2,5,3],[5,4,5,5],[5,6,5,8],[3,5,3,8],[18,0,18,8],[19,0,19,8],[47,6,47,7],[48,1,48,5],[48,6,48,7],[39,0,39,5],[40,1,40,5],[40,6,40,7],[41,1,41,5],[41,6,41,7],[34,1,34,2],[35,1,35,2],[36,1,36,2],[37,0,37,8],[38,0,38,5],[38,6,38,7],[39,6,39,7],[42,1,42,5],[43,1,43,5],[44,1,44,5],[42,6,42,7],[43,6,43,7],[44,6,44,7],[45,0,45,7],[46,0,46,5],[46,6,46,7],[60,6,60,7],[62,6,62,7],[63,6,63,7],[61,0,61,7],[60,1,60,5],[63,1,63,5],[62,0,62,5],[57,6,57,7],[58,6,58,7],[59,6,59,7],[58,1,58,5],[59,1,59,5],[57,0,57,5],[49,6,49,7],[50,6,50,7],[51,6,51,7],[50,1,50,5],[51,1,51,5],[47,1,47,5],[54,0,54,7],[56,0,56,7],[52,6,52,7],[64,6,64,7],[65,6,65,7],[72,0,72,4],[66,0,66,7],[64,1,64,5],[65,1,65,5],[68,1,68,5],[69,1,69,5],[67,0,67,5],[70,1,70,5],[73,1,73,4],[73,6,73,7],[74,6,74,7],[85,6,85,7],[78,6,78,7],[79,6,79,7],[80,6,80,7],[81,6,81,7],[82,6,82,7],[83,6,83,7],[84,6,84,7],[74,2,74,5],[75,2,75,5],[80,2,80,5],[104,2,104,3],[104,4,104,7],[105,0,105,1],[105,2,105,3],[105,4,105,5],[105,6,105,7],[100,2,100,5],[101,2,101,5],[98,0,98,5],[98,6,98,7],[102,0,102,8],[99,2,99,5],[92,0,92,5],[92,6,92,7],[93,6,93,7],[94,6,94,7],[93,0,96,0],[87,6,87,7],[88,6,88,7],[89,6,89,7],[87,0,87,5],[90,6,90,7],[96,1,96,7],[90,1,90,5],[88,1,88,5],[89,1,89,5],[97,0,97,7],[67,6,67,7],[68,6,68,7],[69,6,69,7],[70,6,70,7],[75,6,75,7],[76,6,76,7],[77,6,77,7],[71,0,71,7],[93,1,93,5],[94,1,94,5],[95,1,95,7],[86,0,86,7],[91,0,91,7],[74,0,76,0],[81,1,81,5],[82,2,82,5],[83,2,83,5],[84,2,84,5],[85,1,85,5],[76,2,76,5],[77,1,77,5],[78,2,78,5],[79,2,79,5],[53,2,53,5],[53,6,53,7],[55,6,55,7],[52,1,52,5],[55,0,55,5],[49,1,49,5],[111,0,111,1],[111,2,111,3],[108,0,108,1],[108,2,108,3],[109,0,109,1],[109,2,109,3],[110,0,110,1],[110,2,110,3],[106,0,106,1],[106,2,106,3],[106,4,106,5],[106,6,106,7],[107,0,107,1],[107,2,107,3],[103,0,103,8],[104,0,104,1],[82,0,85,0],[78,0,80,0]]}
["EXECUTIVE SUMMARY"]
[{"$f":"'Step 1 Non-Confidential'!C5","v":0}]
[{"$f":"'Step 1 Non-Confidential'!I7","v":0}]
["Staff Analyst:",{"$f":"'Analyst Review'!B4","v":0},null,{"$f":"'Analyst Review'!D4","v":" Actuary"},{"$f":"'Analyst Review'!E4","v":"In House"},null,null,{"$f":"'Analyst Review'!H4","v":0}]
["A Review Panel was held to hear the above mentioned matter on:",null,null,"insert date","Format of Panel"]
["Constitution of Panel","Chair",null,null,"Recommendation"]
[null,"Member",null,null,"Recommendation"]
[null,"Member",null,null,"Recommendation"]
["Signature of Chairperson:",null,null,null,"Dated"]
["FINAL Indication and Selections"]
[{"$f":"'Step 1 Non-Confidential'!I9","v":"Indicated Rate change"},{"$f":"'Step 1 Non-Confidential'!L9","v":0},{"$f":"'Step 1 Non-Confidential'!A9","v":"Overall Selected Rate Change \nBefore Capping"},null,{"$f":"'Step 1 Non-Confidential'!H9","v":0},{"$f":"'Step 1 Non-Confidential'!A10","v":0},null,null,{"$f":"'Step 1 Non-Confidential'!D9","v":0}]
[{"$f":"'Step 1 Non-Confidential'!I2","v":"Billing Number"},{"$f":"'Step 1 Non-Confidential'!K2","v":0},"Date of Filing",{"$f":"'Step 1 Non-Confidential'!M5","v":"00:00:00"},"Approved Change:"]
["Company Info"]
[{"$f":"'Analyst Review'!A9","v":0}]
["Market Share ",{"$f":"'Analyst Review'!D31","v":0},null,"Rank",{"$f":"'Analyst Review'!D32","v":0}]
["Purpose and Scope"]
[{"$f":"'Step 2 NBIB Confidential'!A13","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A14","v":"Rationale for the proposed changes if selection is different than the indicated change."}]
[{"$f":"'Step 2 NBIB Confidential'!A15","v":0}]
["Rate Filing Data"]
["Effective Dates:","New:",{"$f":"'Step 1 Non-Confidential'!G12","v":"00:00:00"},{"$f":"'Step 1 Non-Confidential'!A50","v":"Current Capping/Cupping"},null,{"$f":"'Step 1 Non-Confidential'!H50","v":"Proposed  changes to capping or introducing new capping"}]
[null,"Renewals:",{"$f":"'Step 1 Non-Confidential'!J12","v":"00:00:00"},{"$f":"'Step 1 Non-Confidential'!E50","v":0},null,{"$f":"'Step 1 Non-Confidential'!L50","v":0}]
["Details"]
["Proposed Rate Change: BEFORE capping",{"$f":"E11","v":0},null,null,null,null,null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!L50<>\"Yes\",\"\",\"\")","v":""}]
["AFTER capping",{"$f":"I11","v":0}]
["Indicated Rate Change:",{"$f":"B11","v":0}]
["Current Average Premium:",{"$f":"'Step 2 NBIB Confidential'!O125","v":0}]
["Proposed Average Premium: BEFORE capping",{"$f":"'Step 2 NBIB Confidential'!O140","v":0}]
["AFTER capping",{"$f":"'Step 2 NBIB Confidential'!O155","v":0}]
["Exposures",{"$f":"'Step 2 NBIB Confidential'!O109","v":0}]
["Written Premium:",{"$f":"'Step 2 NBIB Confidential'!G209","v":0}]
[null,"Profit Provisions"]
[null,"Target ROE",null,{"$f":"'Step 2 NBIB Confidential'!G580","v":0.12}]
[null,"Implied ROE",null,{"$f":"'Step 2 NBIB Confidential'!G586","v":3.4700000000000002E-2}]
[null,"P/S Ratio",null,{"$f":"'Step 2 NBIB Confidential'!G583","v":2},":1"]
[null,"Return on Premium",null,{"$f":"'Step 2 NBIB Confidential'!G588","v":7.5800000000000006E-2}]
[null,"Implied ROP",null,{"$f":"'Step 2 NBIB Confidential'!G589","v":1.61E-2}]
["Proposed Changes"]
[{"$f":"'Step 2 NBIB Confidential'!B19","v":"No Change"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O19","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B22","v":"Base Rate Changes"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O22","v":0.02}]
[{"$f":"'Step 2 NBIB Confidential'!B23","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C23","v":"NOT due to off balancing differential/discount changes. Uniform by territory"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O23","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B24","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C24","v":"NOT due to off balancing differential/discount changes. NOT uniform by territory"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O24","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B25","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C25","v":"Due to off balancing differential/discount changes. Uniform by territory"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O25","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B26","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C26","v":"Due to off balancing differential/discount changes. NOT uniform by territory"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O26","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B27","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C27","v":"Other:"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O27","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B28","v":"Differentials Changes"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O28","v":0.01}]
[{"$f":"'Step 2 NBIB Confidential'!B29","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C29","v":"Classification"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O29","v":0.01}]
[{"$f":"'Step 2 NBIB Confidential'!B30","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C30","v":"Limits of liability"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O30","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B31","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C31","v":"Driving Record/Years Licensed differentials"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O31","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B32","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C32","v":"Limit differentials"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O32","v":-0.02}]
[{"$f":"'Step 2 NBIB Confidential'!B33","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C33","v":"Deductible differentials"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O33","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B34","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C34","v":"Territorial Differentials"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O34","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B35","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C35","v":"Other:"},{"$f":"'Step 2 NBIB Confidential'!D35","v":0},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O35","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B36","v":"Algorithm Changes"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O36","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B37","v":"Rating and Underwriting Rule Changes"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O37","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B38","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C38","v":"Amending rules"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O38","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B39","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C39","v":"Adding Rules"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O39","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B40","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C40","v":"Deleting Rules"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O40","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B41","v":"Discount Changes"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O41","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B42","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C42","v":"Amending rules"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O42","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B43","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C43","v":"Adding Rules"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O43","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B44","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C44","v":"Deleting Rules"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O44","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B45","v":"Surcharge Changes"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O45","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B46","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C46","v":"Amending rules"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O46","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B47","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C47","v":"Adding Rules"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O47","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B48","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C48","v":"Deleting Rules"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O48","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B49","v":"Definition Changes"}]
[{"$f":"'Step 2 NBIB Confidential'!B50","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C50","v":"Territorial Definitions"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O50","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C51","v":"No"},{"$f":"'Step 2 NBIB Confidential'!D51","v":"Amending"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O51","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C52","v":"No"},{"$f":"'Step 2 NBIB Confidential'!D52","v":"Adding"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O52","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C53","v":"No"},{"$f":"'Step 2 NBIB Confidential'!D53","v":"Deleting"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O53","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B54","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C54","v":"Years Licensed Definitions"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O54","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C55","v":0},{"$f":"'Step 2 NBIB Confidential'!D55","v":"Amending"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O55","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C56","v":0},{"$f":"'Step 2 NBIB Confidential'!D56","v":"Adding"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O56","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C57","v":0},{"$f":"'Step 2 NBIB Confidential'!D57","v":"Deleting"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O57","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B58","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C58","v":"Other:"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O58","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C59","v":0},{"$f":"'Step 2 NBIB Confidential'!D59","v":"Amending"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O59","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C60","v":0},{"$f":"'Step 2 NBIB Confidential'!D60","v":"Adding"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O60","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C61","v":0},{"$f":"'Step 2 NBIB Confidential'!D61","v":"Deleting"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O61","v":0}]
[null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O51","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B62","v":"Endorsement Changes"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O62","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B63","v":0},{"$f":"'Step 2 NBIB Confidential'!C63","v":"Amending Endorsement"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O63","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B64","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C64","v":"Adding Endorsement"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O64","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B65","v":0},{"$f":"'Step 2 NBIB Confidential'!C65","v":"Deleting Endorsement"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O65","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B66","v":"Adopt IAO Rates"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O66","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!D67","v":"IAO Rate Table currently being used (YEAR)"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L67","v":2020}]
[null,{"$f":"'Step 2 NBIB Confidential'!D68","v":"IAO Rate Table proposed (YEAR)"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L68","v":2021}]
[null,{"$f":"'Step 2 NBIB Confidential'!D70","v":"Rationale for adopting IAO Rate : "}]
[null,{"$f":"'Step 2 NBIB Confidential'!D71","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B72","v":"Update Rate Group  Tables"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O75","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A72","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C73","v":"Year of Table"},"Table being used"]
[{"$f":"'Step 2 NBIB Confidential'!B73","v":"Current"},{"$f":"'Step 2 NBIB Confidential'!C74","v":0},{"$f":"'Step 2 NBIB Confidential'!E74","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B76","v":"Proposed"},{"$f":"'Step 2 NBIB Confidential'!C77","v":0},{"$f":"'Step 2 NBIB Confidential'!E77","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A79","v":0}]
[{"$f":"'Step 1 Non-Confidential'!A16","v":"Information on Previous RATE Filing"}]
[{"$f":"'Step 1 Non-Confidential'!A21","v":"Previous Filing Type"},null,{"$f":"'Step 1 Non-Confidential'!D21","v":0},null,{"$f":"'Step 1 Non-Confidential'!E21","v":"Effective dates"}]
["Billing Number",null,{"$f":"'Step 1 Non-Confidential'!D18","v":0},null,{"$f":"'Step 1 Non-Confidential'!I21","v":"New Business"},null,{"$f":"'Step 1 Non-Confidential'!J21","v":"00:00:00"}]
[{"$f":"'Step 1 Non-Confidential'!A19","v":"Approved Rate Change"},null,{"$f":"'Step 1 Non-Confidential'!D19","v":0},null,{"$f":"'Step 1 Non-Confidential'!L21","v":{"$error":"#REF!"}},null,{"$f":"'Step 1 Non-Confidential'!N21","v":"00:00:00"}]
[{"$f":"'Step 1 Non-Confidential'!A20","v":"Date of Filing"},null,{"$f":"'Step 1 Non-Confidential'!L18","v":0}]
[{"$f":"'Step 1 Non-Confidential'!E19","v":"Proposed Average Premium"},null,{"$f":"'Step 1 Non-Confidential'!H18","v":0}]
[{"$f":"'Step 1 Non-Confidential'!I18","v":"Indicated rate change"},null,{"$f":"'Step 1 Non-Confidential'!H19","v":0}]
[{"$f":"'Step 1 Non-Confidential'!I19","v":"In Force Exposures"},null,{"$f":"'Step 1 Non-Confidential'!L19","v":0}]
[{"$f":"'Step 1 Non-Confidential'!I20","v":"In Force Premium"},null,{"$f":"'Step 1 Non-Confidential'!L20","v":0}]

{"sheet":"Analyst Review","index":5,"n_rows":864,"n_cols":26,"rows_kept":864,"cut":false,"hidden":true,"merged":[[462,4,462,6],[456,4,456,6],[24,10,24,12],[25,6,25,8],[25,10,25,12],[863,3,863,6],[7,7,7,8],[7,9,7,12],[8,0,12,5],[3,1,3,2],[2,12,2,13],[5,10,5,11],[6,10,6,11],[3,4,3,5],[6,7,6,8],[5,7,5,8],[3,7,3,9],[5,3,5,5],[6,3,6,5],[20,10,20,12],[21,10,21,12],[22,10,22,12],[23,10,23,12],[22,6,22,8],[23,6,23,8],[24,6,24,8],[811,0,811,12],[489,4,489,5],[461,4,461,6],[594,0,594,13],[783,0,783,3],[615,1,615,13],[655,10,655,11],[491,0,491,13],[15,10,15,12],[525,6,525,8],[758,0,758,13],[507,5,507,6],[759,0,759,13],[649,12,649,13],[562,0,562,1],[593,0,593,13],[614,10,614,13],[573,7,573,8],[616,0,616,13],[564,0,564,13],[612,8,612,11],[649,0,649,1],[562,4,562,13],[534,12,534,13],[643,0,643,1],[498,7,498,8],[492,0,492,7],[492,9,492,12],[197,0,197,13],[506,0,506,1],[443,4,443,6],[697,9,697,12],[518,6,518,13],[218,0,218,13],[414,4,414,6],[439,4,439,8],[812,0,812,13],[561,0,561,1],[560,0,560,1],[527,4,527,5],[527,6,527,8],[535,0,535,11],[596,0,596,13],[608,0,608,13],[501,0,501,1],[503,7,503,8],[632,8,632,9],[570,7,570,8],[610,0,610,7],[507,7,507,8],[610,8,610,11],[611,0,611,7],[818,15,818,27],[515,4,515,7],[516,0,516,1],[516,2,516,13],[518,0,518,1],[518,3,518,5],[592,0,592,4],[689,7,689,11],[689,12,689,13],[692,7,692,11],[692,12,692,13],[696,3,696,8],[696,9,696,12],[697,3,697,8],[655,2,655,3],[523,2,523,3],[804,10,804,13],[805,10,805,13],[806,10,806,13],[807,10,807,13],[506,5,506,6],[501,5,501,6],[506,7,506,8],[67,0,67,1],[67,2,67,4],[67,11,67,13],[68,0,68,1],[67,8,67,10],[361,1,361,13],[166,2,166,10],[167,2,167,10],[92,9,92,10],[293,1,293,10],[354,0,354,8],[394,0,395,0],[386,3,386,4],[219,0,219,13],[730,7,730,9],[685,3,685,13],[686,0,686,11],[689,5,689,6],[703,3,703,13],[210,2,210,10],[281,1,281,13],[185,1,185,10],[415,4,415,6],[479,0,479,13],[168,2,168,10],[8,10,8,12],[9,6,9,8],[8,6,8,8],[10,6,10,8],[11,6,11,8],[12,6,12,8],[13,6,13,8],[14,6,14,8],[9,10,9,12],[10,10,10,12],[11,10,11,12],[12,10,12,12],[90,7,90,8],[179,2,179,10],[178,2,178,10],[161,0,161,13],[153,0,153,13],[93,7,93,8],[34,3,34,4],[18,6,18,8],[19,6,19,8],[20,6,20,8],[62,0,62,13],[69,8,69,10],[160,1,160,10],[64,0,64,1],[69,11,69,13],[58,2,58,3],[64,2,64,4],[64,5,64,7],[64,8,64,10],[64,11,64,13],[5,14,6,14],[33,6,33,7],[33,8,33,11],[33,12,33,13],[34,6,34,7],[34,8,34,11],[37,0,37,1],[35,6,35,7],[35,8,35,11],[35,12,35,13],[36,6,36,7],[36,8,36,11],[36,12,36,13],[37,6,37,7],[37,8,37,11],[37,12,37,13],[16,10,16,12],[17,10,17,12],[18,10,18,12],[19,10,19,12],[32,12,32,13],[32,6,32,7],[32,8,32,11],[34,0,34,2],[16,6,16,8],[5,12,5,13],[21,6,21,8],[13,10,13,12],[14,10,14,12],[15,6,15,8],[17,6,17,8],[13,0,24,5],[436,4,436,6],[364,1,364,2],[357,0,357,10],[481,0,481,5],[481,7,482,7],[445,4,445,6],[314,1,314,10],[169,2,169,10],[194,1,194,10],[312,1,312,10],[322,2,322,9],[449,4,449,6],[171,1,171,10],[362,0,362,13],[323,1,323,10],[365,7,365,9],[343,0,343,13],[336,0,336,13],[325,1,325,10],[370,0,370,13],[299,0,299,13],[319,1,319,10],[428,4,428,6],[425,4,425,8],[435,4,435,6],[439,0,439,2],[348,0,348,1],[350,0,350,13],[291,1,291,13],[369,0,369,13],[430,4,430,6],[463,4,463,6],[705,3,705,13],[674,2,674,3],[674,4,674,5],[509,7,509,8],[637,12,637,13],[36,0,36,2],[188,1,188,10],[488,4,488,5],[110,0,110,1],[488,6,488,7],[470,0,470,13],[448,4,448,6],[457,4,457,6],[464,4,464,6],[433,4,433,6],[482,0,482,5],[316,1,316,10],[196,1,196,11],[89,5,89,10],[90,5,90,6],[90,9,90,10],[158,12,158,13],[162,1,162,10],[109,0,109,13],[209,2,209,10],[115,10,115,12],[217,0,217,13],[338,2,338,10],[339,2,339,10],[345,4,345,10],[366,1,366,2],[344,1,344,10],[710,0,710,13],[699,0,699,13],[718,0,718,13],[737,0,737,11],[674,10,674,11],[717,12,717,13],[686,12,686,13],[713,0,713,12],[549,7,549,8],[550,7,550,8],[557,7,557,8],[540,0,540,13],[542,7,543,8],[544,7,544,8],[546,7,546,8],[607,0,607,13],[649,8,649,9],[649,10,649,11],[566,7,567,8],[568,1,568,5],[574,7,574,8],[575,7,575,8],[576,7,576,8],[577,7,577,8],[578,7,578,8],[579,7,579,8],[626,0,626,13],[618,12,625,13],[631,2,631,3],[560,4,560,13],[689,3,689,4],[704,0,704,11],[756,0,756,8],[724,0,724,13],[725,0,725,11],[731,0,731,1],[731,2,731,3],[732,0,732,1],[732,2,732,3],[733,0,733,1],[733,2,733,3],[708,5,708,6],[709,0,709,13],[711,0,711,11],[674,12,674,13],[711,12,711,13],[701,0,701,13],[700,4,700,5],[700,12,700,13],[746,0,746,8],[755,2,755,3],[744,0,744,13],[725,12,725,13],[730,4,730,6],[702,0,702,13],[717,0,717,11],[708,7,708,12],[682,9,682,11],[682,12,682,13],[704,12,704,13],[682,7,682,8],[755,0,755,1],[730,2,730,3],[677,0,677,13],[368,0,368,13],[363,0,363,13],[432,4,432,6],[248,0,248,13],[301,1,301,10],[371,0,371,13],[366,7,366,9],[375,0,375,13],[352,0,352,8],[360,0,360,10],[359,0,359,10],[358,0,358,10],[353,0,353,10],[355,0,355,10],[356,0,356,10],[364,5,364,9],[365,1,365,2],[372,0,372,13],[374,1,374,13],[373,0,373,13],[304,0,304,13],[297,0,297,13],[318,0,318,13],[324,1,324,10],[329,0,329,13],[307,1,307,10],[310,2,310,10],[337,1,337,10],[306,0,306,13],[349,1,349,13],[338,11,341,11],[340,2,340,10],[65,11,65,13],[69,0,69,1],[69,2,69,4],[65,5,65,7],[68,11,68,13],[65,8,65,10],[95,9,95,10],[94,9,94,10],[84,0,84,1],[85,0,85,1],[86,0,86,1],[88,0,88,13],[80,0,80,1],[94,7,94,8],[95,7,95,8],[91,7,91,8],[92,7,92,8],[89,11,89,13],[79,0,79,1],[70,0,70,1],[71,0,71,1],[72,0,72,1],[87,0,87,11],[66,5,66,7],[66,0,66,1],[69,5,69,7],[83,0,83,1],[91,9,91,10],[92,5,92,6],[93,5,93,6],[94,5,94,6],[95,5,95,6],[60,4,60,13],[61,2,61,13],[56,4,56,13],[57,4,57,5],[57,6,57,13],[65,2,65,4],[67,5,67,7],[52,4,52,5],[52,2,52,3],[53,4,53,5],[156,0,156,13],[157,0,157,13],[158,0,158,10],[81,0,81,1],[82,0,82,1],[74,0,74,1],[138,0,138,13],[91,5,91,6],[93,9,93,10],[73,0,73,1],[118,10,118,12],[140,1,140,13],[152,0,152,13],[110,10,110,13],[113,0,113,13],[114,0,114,13],[116,10,116,12],[117,10,117,12],[108,0,108,13],[155,1,155,13],[154,0,154,13],[63,0,63,13],[159,0,159,13],[165,1,165,10],[166,0,170,0],[189,1,189,10],[198,1,198,10],[170,2,170,10],[333,2,333,10],[334,2,334,10],[315,1,315,8],[317,1,317,13],[298,12,298,13],[294,1,294,10],[211,2,211,10],[212,2,212,10],[199,2,199,10],[177,1,177,10],[164,0,164,13],[283,0,283,13],[300,1,300,10],[173,1,173,10],[182,1,182,10],[171,0,174,0],[286,0,290,0],[305,0,305,13],[341,2,341,10],[346,0,346,1],[303,1,303,13],[308,2,308,10],[296,1,296,13],[288,1,288,10],[216,1,216,11],[286,1,286,10],[311,1,311,10],[295,9,295,10],[331,2,331,10],[332,2,332,10],[327,1,327,10],[295,1,295,8],[301,0,302,0],[330,1,330,10],[202,2,202,10],[250,0,250,13],[206,2,206,10],[377,0,377,13],[382,10,382,11],[163,1,163,11],[184,2,184,10],[247,1,247,13],[192,1,192,10],[313,1,313,10],[309,2,309,10],[200,2,200,8],[298,1,298,10],[187,2,187,10],[302,1,302,10],[203,0,203,11],[351,0,351,13],[321,2,321,9],[346,3,346,10],[348,3,348,10],[347,4,347,10],[347,2,347,3],[326,1,326,10],[345,2,345,3],[335,2,335,10],[342,2,342,11],[204,2,204,10],[190,2,190,10],[195,2,195,10],[186,1,186,10],[320,2,320,9],[249,0,249,13],[231,7,232,9],[181,1,181,10],[180,2,180,10],[488,1,488,3],[483,0,483,13],[476,0,476,13],[468,0,468,13],[465,4,465,6],[437,4,437,6],[434,4,434,6],[378,1,379,4],[487,0,487,13],[481,8,482,13],[389,3,391,3],[480,0,480,4],[423,4,423,6],[425,0,425,2],[380,3,380,4],[471,0,471,13],[410,0,410,2],[410,4,410,8],[422,4,422,6],[420,4,420,6],[429,4,429,6],[442,4,442,6],[453,0,453,2],[453,4,453,8],[394,1,395,1],[381,3,383,3],[379,6,379,11],[392,3,392,4],[402,4,402,6],[380,10,380,11],[393,4,393,8],[454,4,455,6],[839,0,839,13],[837,0,837,13],[845,0,845,13],[843,0,843,13],[814,0,814,13],[810,0,810,13],[632,12,632,13],[638,0,638,1],[597,0,597,13],[698,0,698,13],[815,0,815,12],[749,0,749,13],[757,0,757,9],[761,0,761,13],[735,2,735,3],[688,0,688,13],[637,10,637,11],[824,0,824,3],[668,4,668,5],[668,6,668,7],[668,8,668,9],[668,10,668,11],[740,9,740,13],[649,4,649,5],[668,12,668,13],[667,0,667,1],[643,2,643,3],[638,4,638,5],[727,0,727,13],[728,0,728,13],[730,0,730,1],[667,10,667,11],[859,0,859,12],[863,0,863,1],[861,0,861,13],[862,0,862,13],[847,0,847,13],[848,0,848,9],[848,10,848,13],[828,0,828,13],[829,0,829,11],[831,0,831,13],[840,0,840,13],[842,0,842,13],[844,0,844,13],[838,0,838,13],[849,0,849,13],[857,0,857,13],[851,0,851,13],[846,0,846,12],[850,0,850,13],[852,0,852,13],[853,0,853,13],[855,0,855,13],[854,0,854,13],[858,0,858,13],[860,0,860,13],[856,0,856,13],[841,0,841,13],[836,0,836,13],[835,0,835,13],[834,0,834,13],[832,0,832,11],[833,0,833,13],[490,1,490,3],[490,4,490,5],[490,6,490,7],[469,0,469,11],[451,4,451,6],[498,5,498,6],[488,10,488,13],[504,7,504,8],[505,0,505,1],[504,0,504,1],[403,4,403,6],[404,4,404,6],[406,4,406,6],[408,0,408,8],[418,4,418,6],[419,4,419,6],[405,4,405,6],[413,4,413,6],[417,4,417,6],[446,4,446,6],[421,4,421,6],[501,7,501,8],[497,7,497,8],[496,0,497,1],[489,6,489,7],[411,8,412,8],[426,4,427,6],[426,7,427,7],[426,8,427,8],[440,4,441,6],[440,7,441,7],[440,8,441,8],[661,6,661,7],[644,0,644,1],[644,2,644,3],[511,0,511,12],[512,0,512,13],[513,0,513,13],[514,0,514,13],[285,1,285,13],[289,9,289,10],[290,1,290,10],[289,1,289,8],[496,2,496,8],[497,5,497,6],[500,0,500,1],[490,10,490,13],[489,1,489,3],[473,3,473,4],[477,0,477,13],[478,0,478,13],[474,1,474,12],[473,0,473,2],[488,8,488,9],[489,8,489,9],[489,10,489,13],[508,9,508,12],[499,9,499,13],[493,1,493,13],[495,0,495,13],[500,5,500,6],[500,7,500,8],[485,1,485,13],[499,7,499,8],[580,7,580,8],[509,0,509,1],[617,0,617,13],[609,8,609,9],[595,0,595,13],[548,7,548,8],[552,7,552,8],[553,7,553,8],[523,4,523,5],[525,4,525,5],[561,4,561,13],[655,0,655,1],[611,8,611,11],[612,0,612,7],[635,0,635,13],[571,7,571,8],[572,7,572,8],[650,10,650,11],[650,12,650,13],[519,1,519,13],[509,5,509,6],[644,10,644,11],[644,6,644,7],[644,8,644,9],[547,7,547,8],[545,7,545,8],[588,6,588,11],[559,0,559,13],[643,10,643,11],[643,12,643,13],[535,12,535,13],[560,3,562,3],[526,6,526,8],[527,2,527,3],[505,5,505,6],[507,0,507,1],[589,1,589,5],[565,0,565,13],[582,7,582,8],[568,7,568,8],[568,9,568,13],[569,7,569,8],[542,0,543,0],[522,1,522,3],[629,0,629,13],[628,0,628,13],[510,0,510,13],[521,0,521,13],[508,0,508,1],[508,5,508,6],[508,7,508,8],[627,2,627,4],[613,0,613,7],[589,6,589,11],[536,0,536,13],[538,0,538,13],[588,1,588,5],[541,0,541,13],[598,0,598,13],[539,0,539,13],[551,7,551,8],[609,10,609,12],[537,0,537,13],[554,7,554,8],[665,0,665,13],[691,0,691,1],[715,0,715,13],[716,0,716,13],[638,6,638,7],[681,0,681,2],[644,12,644,13],[638,2,638,3],[662,0,662,1],[531,0,531,13],[526,2,526,3],[525,2,525,3],[591,0,591,13],[632,6,632,7],[581,7,581,8],[528,0,528,13],[667,12,667,13],[627,5,627,13],[638,8,638,9],[638,10,638,11],[650,4,650,5],[649,6,649,7],[649,2,649,3],[638,12,638,13],[662,10,662,11],[656,2,656,3],[631,0,631,1],[673,12,673,13],[650,2,650,3],[526,4,526,5],[530,0,530,13],[592,6,592,7],[671,0,671,13],[655,4,655,5],[662,8,662,9],[655,12,655,13],[632,10,632,11],[641,0,641,13],[647,0,647,13],[653,0,653,13],[659,0,659,13],[667,8,667,9],[662,12,662,13],[673,4,673,5],[655,6,655,7],[655,8,655,9],[661,2,661,3],[637,0,637,1],[637,2,637,3],[637,4,637,5],[637,6,637,7],[637,8,637,9],[656,10,656,11],[661,0,661,1],[661,8,661,9],[661,10,661,11],[661,12,661,13],[650,6,650,7],[650,8,650,9],[661,4,661,5],[643,4,643,5],[643,6,643,7],[643,8,643,9],[650,0,650,1],[772,0,772,1],[789,9,792,13],[760,0,760,7],[751,4,751,6],[751,7,751,9],[738,10,738,12],[752,0,752,1],[752,2,752,3],[745,0,745,13],[803,10,803,13],[827,0,827,13],[820,0,820,13],[782,0,782,13],[779,0,779,6],[778,0,778,6],[819,0,819,6],[742,0,742,11],[753,0,753,1],[817,0,817,13],[798,0,798,1],[801,2,801,4],[825,0,825,13],[821,0,821,13],[822,0,822,12],[785,0,785,5],[787,0,787,13],[789,0,789,5],[789,6,789,8],[760,9,760,10],[753,2,753,3],[754,0,754,1],[754,2,754,3],[797,10,797,13],[798,10,798,13],[813,0,813,12],[818,0,818,13],[799,10,799,13],[800,10,800,13],[800,0,800,4],[802,0,802,4],[803,0,803,4],[773,0,773,1],[774,0,774,1],[775,0,775,1],[776,0,776,1],[830,0,830,13],[806,0,806,4],[807,0,807,4],[790,6,790,8],[791,0,791,5],[823,0,823,13],[819,9,819,13],[795,0,795,13],[801,10,801,13],[802,10,802,13],[780,0,780,13],[798,2,798,4],[796,10,796,13],[805,0,805,4],[781,0,781,13],[794,0,794,13],[783,4,783,6],[797,0,797,4],[786,0,786,13],[678,0,678,11],[678,12,678,13],[679,0,679,11],[679,12,679,13],[680,0,680,11],[673,0,673,1],[750,0,750,13],[690,0,690,13],[735,0,735,1],[738,1,738,4],[720,0,720,13],[682,2,682,3],[682,4,682,6],[674,6,674,7],[674,8,674,9],[692,0,692,1],[692,3,692,4],[692,5,692,6],[689,0,689,1],[700,0,700,3],[694,0,694,13],[695,0,695,13],[700,6,700,9],[714,0,714,13],[707,0,707,13],[708,2,708,4],[684,0,684,11],[684,12,684,13],[685,0,685,2],[683,0,683,7],[683,10,683,13],[691,2,691,13],[804,0,804,4],[788,0,788,13],[721,0,721,13],[681,4,681,13],[693,1,693,13],[784,0,784,5],[799,0,799,4],[89,2,89,4],[110,2,110,4],[110,6,110,8],[111,0,111,13],[529,4,529,7],[532,0,532,13],[524,2,524,3],[524,6,524,8],[533,0,533,11],[282,0,282,13],[480,5,480,6],[503,5,503,6],[563,0,563,11],[768,0,768,13],[763,0,763,13],[777,0,777,1],[771,6,777,7],[734,0,734,1],[734,2,734,3],[748,0,748,13],[762,0,762,2],[793,0,793,11],[762,5,762,13],[767,0,767,2],[767,5,767,13],[790,0,790,5],[792,6,792,8],[791,6,791,8],[792,0,792,5],[201,2,201,10],[172,1,172,10],[68,2,68,4],[68,5,68,7],[68,8,68,10],[66,11,66,13],[77,0,77,1],[78,0,78,1],[43,2,43,3],[42,4,42,5],[41,2,41,3],[66,2,66,4],[29,0,29,2],[29,3,29,4],[30,0,30,2],[30,3,30,4],[33,0,33,4],[50,6,50,13],[46,0,46,13],[47,0,47,13],[75,0,75,1],[76,0,76,1],[667,4,667,5],[771,0,771,1],[673,6,673,7],[673,8,673,9],[656,0,656,1],[736,0,736,13],[555,7,555,8],[556,7,556,8],[175,1,175,11],[174,1,174,10],[764,0,764,13],[766,0,766,13],[656,4,656,5],[656,6,656,7],[656,8,656,9],[524,4,524,5],[529,2,529,3],[544,9,544,13],[544,1,544,5],[656,12,656,13],[631,4,631,5],[631,6,631,7],[631,8,631,9],[631,10,631,11],[631,12,631,13],[520,0,520,13],[723,12,723,13],[726,0,726,13],[729,0,729,13],[747,0,747,8],[712,0,712,13],[662,2,662,3],[662,4,662,5],[662,6,662,7],[644,4,644,5],[480,7,480,10],[504,5,504,6],[515,0,515,2],[770,0,770,1],[522,0,523,0],[207,2,207,10],[208,2,208,10],[769,0,769,13],[667,6,667,7],[632,4,632,5],[765,0,765,7],[632,0,632,1],[632,2,632,3],[367,7,367,9],[673,10,673,11],[6,12,6,13],[765,11,765,12],[765,9,765,10],[760,11,760,12],[566,0,567,0],[740,7,740,8],[742,12,742,13],[740,0,740,6],[738,6,738,9],[751,0,751,1],[751,2,751,3],[739,1,739,13],[746,9,746,10],[747,9,747,10],[743,0,743,13],[741,0,741,13],[737,12,737,13],[706,0,706,13],[722,0,722,13]],"merged_total":1119,"flags":["merged_cut"]}
["Analyst Review",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Brenda Cummings"]
[{"$f":"'Step 1 Non-Confidential'!C5","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Christine Bullock"]
[{"$f":"'Step 1 Non-Confidential'!I7","v":0},null,null,null,{"$f":"'Step 1 Non-Confidential'!C7","v":"RFG - 3 Rate Group Update Filing"},null,null,null,null,null,null,"Billing#",{"$f":"'Step 1 Non-Confidential'!K2","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Tracy Cyr"]
["Reviewing Analyst:",null,null," Actuary","In House",null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!A12","v":"Proposed Effective Dates:"}]
["Indicated Rate Change Table 10",null,null,{"$f":"'Step 2 NBIB Confidential'!O163","v":0},null,"Indicated Rate Change Start Here",null,null,null,{"$f":"'Step 1 Non-Confidential'!L9","v":0}]
["Overall Selected Rate Change (before capping) (Step 1)",null,{"$f":"'Step 1 Non-Confidential'!D9","v":0},"Proposed Rate Change: (after capping) (Table 12)",null,null,{"$f":"'Step 2 NBIB Confidential'!O193","v":0},{"$f":"'Step 1 Non-Confidential'!A50","v":"Current Capping/Cupping"},null,{"$f":"'Step 1 Non-Confidential'!E50","v":0},{"$f":"'Step 1 Non-Confidential'!F12","v":"New"},null,{"$f":"'Step 1 Non-Confidential'!G12","v":"00:00:00"}]
["Overall Selected Rate Change (before capping) (Table 11)",null,{"$f":"'Step 2 NBIB Confidential'!O178","v":0},"Proposed Rate Change: (after capping) (Step 1)",null,null,{"$f":"'Step 1 Non-Confidential'!H9","v":0},{"$f":"'Step 1 Non-Confidential'!H50","v":"Proposed  changes to capping or introducing new capping"},null,{"$f":"'Step 1 Non-Confidential'!L50","v":0},{"$f":"'Step 1 Non-Confidential'!I12","v":"Renewal"},null,{"$f":"'Step 1 Non-Confidential'!J12","v":"00:00:00"}]
["Company Information",null,null,null,null,null,"Filing Date:",{"$f":"'Step 1 Non-Confidential'!M5","v":"00:00:00"},null,"Number of days to Approval/Decision"]
[null,null,null,null,null,null,"Date sent to Actuary",null,null,"NA","Date Analyst received Filing"]
[null,null,null,null,null,null,null,null,null,null,"Round 1 Questions fr NBIB"]
[null,null,null,null,null,null,null,null,null,null,"Round 1 Response/Amendment"]
[null,null,null,null,null,null,null,null,null,null,"Round 2 Questions fr NBIB"]
[null,null,null,null,null,null,null,null,null,null,"Round 2 Response/Amendment"]
[null,null,null,null,null,null,null,null,null,null,"Round 3 Questions fr NBIB"]
[null,null,null,null,null,null,null,null,null,null,"Round 3 Responses"]
[null,null,null,null,null,null,null,null,null,null,"Round 4 Questions fr NBIB"]
[null,null,null,null,null,null,null,null,null,null,"Round 4 Responses"]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,"Date Rec'd Actuarial Review ",null,null,"NA","Date analyst finished review"]
["Is Applicant part of a Group of Companies",null,null,{"$f":"'Step 1 Non-Confidential'!D6","v":{"$error":"#N/A"}},null,null,"Number of days to complete review ",null,null,"NA","Number of days to complete review ",null,null,{"$f":"L9-M25","v":0}]
[]
["Exposures/Market Share"]
["In-Force Exposures:",null,null,{"$f":"'Step 2 NBIB Confidential'!O109","v":0}]
["In-Force Premium:",null,null,{"$f":"'Step 2 NBIB Confidential'!G209","v":0}]
["Current Market Share:"]
["Current Ranking:"]
[]
[{"$f":"'Step 1 Non-Confidential'!M24","v":"Distribution"}]
[{"$f":"'Step 1 Non-Confidential'!M25","v":"Target Market"},null,null,{"$f":"'Step 1 Non-Confidential'!O25","v":0}]
[{"$f":"'Step 1 Non-Confidential'!M26","v":"Primary Market"},null,null,{"$f":"'Step 1 Non-Confidential'!O26","v":0}]
[{"$f":"'Step 1 Non-Confidential'!M27","v":"Distribution Channel"},null,null,{"$f":"'Step 1 Non-Confidential'!O27","v":0}]
[]
["Previous Filing(s)"]
["Details on Prior Filings"]
[{"$f":"'Step 1 Non-Confidential'!A18","v":"NBIB Reference Number"},{"$f":"'Step 1 Non-Confidential'!D18","v":0},"Year",null,"Hearing/Panel /Reviewed By Chair"]
[{"$f":"'Step 1 Non-Confidential'!A19","v":"Approved Rate Change"},{"$f":"'Step 1 Non-Confidential'!D19","v":0},{"$f":"'Step 1 Non-Confidential'!E18","v":"Current Average Premium"},null,{"$f":"'Step 1 Non-Confidential'!H18","v":0},null,"Effective dates"]
["Indicated rate change",{"$f":"'Step 1 Non-Confidential'!L18","v":0},{"$f":"'Step 1 Non-Confidential'!E19","v":"Proposed Average Premium"},null,{"$f":"'Step 1 Non-Confidential'!H19","v":0},null,"New",{"$f":"'Step 1 Non-Confidential'!J27","v":"00:00:00"}]
[{"$f":"'Step 1 Non-Confidential'!A20","v":"Date of Filing"},{"$f":"'Step 1 Non-Confidential'!D20","v":"00:00:00"},{"$f":"'Step 1 Non-Confidential'!I19","v":"In Force Exposures"},null,{"$f":"'Step 1 Non-Confidential'!L19","v":0},null,"Renew",{"$f":"'Step 1 Non-Confidential'!N27","v":"00:00:00"}]
[{"$f":"'Step 1 Non-Confidential'!A21","v":"Previous Filing Type"},{"$f":"'Step 1 Non-Confidential'!D21","v":0},{"$f":"'Step 1 Non-Confidential'!I20","v":"In Force Premium"},null,{"$f":"'Step 1 Non-Confidential'!L20","v":0}]
["Notes/comments"]
[]
[]
[]
["Hearing/Panel /Reviewed By Chair"]
[{"$f":"A41","v":"NBIB Reference Number"},{"$f":"'Step 2 NBIB Confidential'!G471","v":0},"Year",null,"Notes/comments"]
[{"$f":"A42","v":"Approved Rate Change"},{"$f":"'Step 2 NBIB Confidential'!I492","v":0},{"$f":"G42","v":"Effective dates"}]
["Indicated Rate Change",null,{"$f":"G43","v":"New"},null,{"$f":"'Step 2 NBIB Confidential'!G475","v":"00:00:00"}]
[{"$f":"A44","v":"Date of Filing"},{"$f":"'Step 2 NBIB Confidential'!G474","v":"00:00:00"},{"$f":"G44","v":"Renew"},null,{"$f":"'Step 2 NBIB Confidential'!G476","v":"00:00:00"}]
[{"$f":"A45","v":"Previous Filing Type"},{"$f":"'Step 2 NBIB Confidential'!G472","v":"RFG - 1 Major Rate Filing"}]
[]
["Hearing/Panel /Reviewed By Chair"]
[{"$f":"A41","v":"NBIB Reference Number"},{"$f":"'Step 2 NBIB Confidential'!J471","v":0},"Year",null,"Notes/comments"]
[{"$f":"A42","v":"Approved Rate Change"},{"$f":"'Step 2 NBIB Confidential'!L492","v":0},"Effective dates"]
["Indicated Rate Change",null,{"$f":"C53","v":"New"},{"$f":"'Step 2 NBIB Confidential'!J475","v":"00:00:00"}]
[{"$f":"A44","v":"Date of Filing"},{"$f":"'Step 2 NBIB Confidential'!J474","v":"00:00:00"},{"$f":"C54","v":"Renew"},{"$f":"'Step 2 NBIB Confidential'!J476","v":"00:00:00"}]
[{"$f":"A45","v":"Previous Filing Type"},{"$f":"'Step 2 NBIB Confidential'!J472","v":"RFG - 1 Major Rate Filing"}]
[]
[{"$f":"IF('[5]Start Here NBIB Cover Sheet'!$H$3 = '[5]Drop Down'!$A$5, [5]Language!B13, [5]Language!$A$412)","v":"Table 23 Prior Filings Table"}]
[{"$f":"'Step 2 NBIB Confidential'!A471","v":"Billing Number"},null,{"$f":"'Step 2 NBIB Confidential'!D471","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!G471","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!J471","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!M471","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A472","v":"Type of Filing"},{"$f":"'Step 2 NBIB Confidential'!C472","v":"RFG"},{"$f":"'Step 2 NBIB Confidential'!D472","v":"RFG - 1 Major Rate Filing"},null,null,{"$f":"'Step 2 NBIB Confidential'!G472","v":"RFG - 1 Major Rate Filing"},null,null,{"$f":"'Step 2 NBIB Confidential'!J472","v":"RFG - 1 Major Rate Filing"},null,null,{"$f":"'Step 2 NBIB Confidential'!M472","v":"RFG - 1 Major Rate Filing"}]
[null,null,{"$f":"IF('[5]Start Here NBIB Cover Sheet'!$H$3 = '[5]Drop Down'!$A$5, [5]Language!B14, [5]Language!$A$413)","v":"Prior Filing"},null,null,{"$f":"IF('[5]Start Here NBIB Cover Sheet'!$H$3 = '[5]Drop Down'!$A$5, [5]Language!B15, [5]Language!$A$414)","v":"2nd Prior Filing"},null,null,{"$f":"IF('[5]Start Here NBIB Cover Sheet'!$H$3 = '[5]Drop Down'!$A$5, [5]Language!B16, [5]Language!$A$415)","v":"3rd Prior Filing"},null,null,{"$f":"IF('[5]Start Here NBIB Cover Sheet'!$H$3 = '[5]Drop Down'!$A$5, [5]Language!B17, [5]Language!$A$416)","v":"4th Prior Filing"}]
[{"$f":"'Step 2 NBIB Confidential'!A474","v":"Date of Filing:"},null,{"$f":"'Step 2 NBIB Confidential'!D474","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!G474","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!J474","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!M474","v":"00:00:00"}]
[{"$f":"'Step 2 NBIB Confidential'!A475","v":"New Business"},null,{"$f":"'Step 2 NBIB Confidential'!D475","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!G475","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!J475","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!M475","v":"00:00:00"}]
[{"$f":"'Step 2 NBIB Confidential'!A476","v":"Renewal Business"},null,{"$f":"'Step 2 NBIB Confidential'!D476","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!G476","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!J476","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!M476","v":"00:00:00"}]
[{"$f":"'Step 2 NBIB Confidential'!A477","v":"Coverage"},null,{"$f":"IF('[5]Start Here NBIB Cover Sheet'!$H$3 = '[5]Drop Down'!$A$5, [5]Language!B18, [5]Language!$A$417)","v":"Indicated"},{"$f":"IF('[5]Start Here NBIB Cover Sheet'!$H$3 = '[5]Drop Down'!$A$5, [5]Language!B19, [5]Language!$A$418)","v":"Selected"},{"$f":"IF('[5]Start Here NBIB Cover Sheet'!$H$3 = '[5]Drop Down'!$A$5, [5]Language!B20, [5]Language!$A$419)","v":"Board Approved"},{"$f":"C71","v":"Indicated"},{"$f":"D71","v":"Selected"},{"$f":"E71","v":"Board Approved"},{"$f":"C71","v":"Indicated"},{"$f":"D71","v":"Selected"},{"$f":"E71","v":"Board Approved"},{"$f":"C71","v":"Indicated"},{"$f":"D71","v":"Selected"},{"$f":"E71","v":"Board Approved"}]
[{"$f":"'Step 2 NBIB Confidential'!A478","v":"Bodily Injury"},null,null,{"$f":"'Step 2 NBIB Confidential'!E478","v":0.09},{"$f":"'Step 2 NBIB Confidential'!F478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!G478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!H478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!I478","v":0.03},{"$f":"'Step 2 NBIB Confidential'!J478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!K478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!L478","v":0.03},{"$f":"'Step 2 NBIB Confidential'!M478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O478","v":0.03}]
[{"$f":"'Step 2 NBIB Confidential'!A479","v":"Property Damage"},null,{"$f":"'Step 2 NBIB Confidential'!D479","v":0},{"$f":"'Step 2 NBIB Confidential'!E479","v":0},{"$f":"'Step 2 NBIB Confidential'!F479","v":0},{"$f":"'Step 2 NBIB Confidential'!G479","v":0},{"$f":"'Step 2 NBIB Confidential'!H479","v":0},{"$f":"'Step 2 NBIB Confidential'!I479","v":0},{"$f":"'Step 2 NBIB Confidential'!J479","v":0},{"$f":"'Step 2 NBIB Confidential'!K479","v":0},{"$f":"'Step 2 NBIB Confidential'!L479","v":0},{"$f":"'Step 2 NBIB Confidential'!M479","v":0},{"$f":"'Step 2 NBIB Confidential'!N479","v":0},{"$f":"'Step 2 NBIB Confidential'!O479","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A480","v":"Direct Compensation - Property Damage"},null,{"$f":"'Step 2 NBIB Confidential'!D480","v":0},{"$f":"'Step 2 NBIB Confidential'!E480","v":0},{"$f":"'Step 2 NBIB Confidential'!F480","v":0},{"$f":"'Step 2 NBIB Confidential'!G480","v":0},{"$f":"'Step 2 NBIB Confidential'!H480","v":0},{"$f":"'Step 2 NBIB Confidential'!I480","v":0},{"$f":"'Step 2 NBIB Confidential'!J480","v":0},{"$f":"'Step 2 NBIB Confidential'!K480","v":0},{"$f":"'Step 2 NBIB Confidential'!L480","v":0},{"$f":"'Step 2 NBIB Confidential'!M480","v":0},{"$f":"'Step 2 NBIB Confidential'!N480","v":0},{"$f":"'Step 2 NBIB Confidential'!O480","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A481","v":"Accident Benefits"},null,{"$f":"'Step 2 NBIB Confidential'!D481","v":0},{"$f":"'Step 2 NBIB Confidential'!E481","v":0},{"$f":"'Step 2 NBIB Confidential'!F481","v":0},{"$f":"'Step 2 NBIB Confidential'!G481","v":0},{"$f":"'Step 2 NBIB Confidential'!H481","v":0},{"$f":"'Step 2 NBIB Confidential'!I481","v":0},{"$f":"'Step 2 NBIB Confidential'!J481","v":0},{"$f":"'Step 2 NBIB Confidential'!K481","v":0},{"$f":"'Step 2 NBIB Confidential'!L481","v":0},{"$f":"'Step 2 NBIB Confidential'!M481","v":0},{"$f":"'Step 2 NBIB Confidential'!N481","v":0},{"$f":"'Step 2 NBIB Confidential'!O481","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A482","v":"Uninsured Auto"},null,{"$f":"'Step 2 NBIB Confidential'!D482","v":0},{"$f":"'Step 2 NBIB Confidential'!E482","v":0},{"$f":"'Step 2 NBIB Confidential'!F482","v":0},{"$f":"'Step 2 NBIB Confidential'!G482","v":0},{"$f":"'Step 2 NBIB Confidential'!H482","v":0},{"$f":"'Step 2 NBIB Confidential'!I482","v":0},{"$f":"'Step 2 NBIB Confidential'!J482","v":0},{"$f":"'Step 2 NBIB Confidential'!K482","v":0},{"$f":"'Step 2 NBIB Confidential'!L482","v":0},{"$f":"'Step 2 NBIB Confidential'!M482","v":0},{"$f":"'Step 2 NBIB Confidential'!N482","v":0},{"$f":"'Step 2 NBIB Confidential'!O482","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A483","v":"Health Services Levy"},null,{"$f":"'Step 2 NBIB Confidential'!D483","v":0},{"$f":"'Step 2 NBIB Confidential'!E483","v":0},{"$f":"'Step 2 NBIB Confidential'!F483","v":0},{"$f":"'Step 2 NBIB Confidential'!G483","v":0},{"$f":"'Step 2 NBIB Confidential'!H483","v":0},{"$f":"'Step 2 NBIB Confidential'!I483","v":0},{"$f":"'Step 2 NBIB Confidential'!J483","v":0},{"$f":"'Step 2 NBIB Confidential'!K483","v":0},{"$f":"'Step 2 NBIB Confidential'!L483","v":0},{"$f":"'Step 2 NBIB Confidential'!M483","v":0},{"$f":"'Step 2 NBIB Confidential'!N483","v":0},{"$f":"'Step 2 NBIB Confidential'!O483","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A484","v":"Total Mandatory Coverage"},null,{"$f":"'Step 2 NBIB Confidential'!D484","v":0},{"$f":"'Step 2 NBIB Confidential'!E484","v":0},{"$f":"'Step 2 NBIB Confidential'!F484","v":0},{"$f":"'Step 2 NBIB Confidential'!G484","v":0},{"$f":"'Step 2 NBIB Confidential'!H484","v":0},{"$f":"'Step 2 NBIB Confidential'!I484","v":0},{"$f":"'Step 2 NBIB Confidential'!J484","v":0},{"$f":"'Step 2 NBIB Confidential'!K484","v":0},{"$f":"'Step 2 NBIB Confidential'!L484","v":0},{"$f":"'Step 2 NBIB Confidential'!M484","v":0},{"$f":"'Step 2 NBIB Confidential'!N484","v":0},{"$f":"'Step 2 NBIB Confidential'!O484","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A485","v":"Collision"},null,{"$f":"'Step 2 NBIB Confidential'!D485","v":0},{"$f":"'Step 2 NBIB Confidential'!E485","v":0},{"$f":"'Step 2 NBIB Confidential'!F485","v":0},{"$f":"'Step 2 NBIB Confidential'!G485","v":0},{"$f":"'Step 2 NBIB Confidential'!H485","v":0},{"$f":"'Step 2 NBIB Confidential'!I485","v":0},{"$f":"'Step 2 NBIB Confidential'!J485","v":0},{"$f":"'Step 2 NBIB Confidential'!K485","v":0},{"$f":"'Step 2 NBIB Confidential'!L485","v":0},{"$f":"'Step 2 NBIB Confidential'!M485","v":0},{"$f":"'Step 2 NBIB Confidential'!N485","v":0},{"$f":"'Step 2 NBIB Confidential'!O485","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A486","v":"Comprehensive"},null,{"$f":"'Step 2 NBIB Confidential'!D486","v":0},{"$f":"'Step 2 NBIB Confidential'!E486","v":0},{"$f":"'Step 2 NBIB Confidential'!F486","v":0},{"$f":"'Step 2 NBIB Confidential'!G486","v":0},{"$f":"'Step 2 NBIB Confidential'!H486","v":0},{"$f":"'Step 2 NBIB Confidential'!I486","v":0},{"$f":"'Step 2 NBIB Confidential'!J486","v":0},{"$f":"'Step 2 NBIB Confidential'!K486","v":0},{"$f":"'Step 2 NBIB Confidential'!L486","v":0},{"$f":"'Step 2 NBIB Confidential'!M486","v":0},{"$f":"'Step 2 NBIB Confidential'!N486","v":0},{"$f":"'Step 2 NBIB Confidential'!O486","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A487","v":"Specified Perils"},null,{"$f":"'Step 2 NBIB Confidential'!D487","v":0},{"$f":"'Step 2 NBIB Confidential'!E487","v":0},{"$f":"'Step 2 NBIB Confidential'!F487","v":0},{"$f":"'Step 2 NBIB Confidential'!G487","v":0},{"$f":"'Step 2 NBIB Confidential'!H487","v":0},{"$f":"'Step 2 NBIB Confidential'!I487","v":0},{"$f":"'Step 2 NBIB Confidential'!J487","v":0},{"$f":"'Step 2 NBIB Confidential'!K487","v":0},{"$f":"'Step 2 NBIB Confidential'!L487","v":0},{"$f":"'Step 2 NBIB Confidential'!M487","v":0},{"$f":"'Step 2 NBIB Confidential'!N487","v":0},{"$f":"'Step 2 NBIB Confidential'!O487","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A488","v":"All Perils"},null,{"$f":"'Step 2 NBIB Confidential'!D488","v":0},{"$f":"'Step 2 NBIB Confidential'!E488","v":0},{"$f":"'Step 2 NBIB Confidential'!F488","v":0},{"$f":"'Step 2 NBIB Confidential'!G488","v":0},{"$f":"'Step 2 NBIB Confidential'!H488","v":0},{"$f":"'Step 2 NBIB Confidential'!I488","v":0},{"$f":"'Step 2 NBIB Confidential'!J488","v":0},{"$f":"'Step 2 NBIB Confidential'!K488","v":0},{"$f":"'Step 2 NBIB Confidential'!L488","v":0},{"$f":"'Step 2 NBIB Confidential'!M488","v":0},{"$f":"'Step 2 NBIB Confidential'!N488","v":0},{"$f":"'Step 2 NBIB Confidential'!O488","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A489","v":"SEF 44"},null,{"$f":"'Step 2 NBIB Confidential'!D489","v":0},{"$f":"'Step 2 NBIB Confidential'!E489","v":0},{"$f":"'Step 2 NBIB Confidential'!F489","v":0},{"$f":"'Step 2 NBIB Confidential'!G489","v":0},{"$f":"'Step 2 NBIB Confidential'!H489","v":0},{"$f":"'Step 2 NBIB Confidential'!I489","v":0},{"$f":"'Step 2 NBIB Confidential'!J489","v":0},{"$f":"'Step 2 NBIB Confidential'!K489","v":0},{"$f":"'Step 2 NBIB Confidential'!L489","v":0},{"$f":"'Step 2 NBIB Confidential'!M489","v":0},{"$f":"'Step 2 NBIB Confidential'!N489","v":0},{"$f":"'Step 2 NBIB Confidential'!O489","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A490","v":"Total Optional Coverage"},null,{"$f":"'Step 2 NBIB Confidential'!D490","v":0},{"$f":"'Step 2 NBIB Confidential'!E490","v":0},{"$f":"'Step 2 NBIB Confidential'!F490","v":0},{"$f":"'Step 2 NBIB Confidential'!G490","v":0},{"$f":"'Step 2 NBIB Confidential'!H490","v":0},{"$f":"'Step 2 NBIB Confidential'!I490","v":0},{"$f":"'Step 2 NBIB Confidential'!J490","v":0},{"$f":"'Step 2 NBIB Confidential'!K490","v":0},{"$f":"'Step 2 NBIB Confidential'!L490","v":0},{"$f":"'Step 2 NBIB Confidential'!M490","v":0},{"$f":"'Step 2 NBIB Confidential'!N490","v":0},{"$f":"'Step 2 NBIB Confidential'!O490","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A492","v":"All Coverages Combined Before Capping"},null,{"$f":"'Step 2 NBIB Confidential'!D492","v":0},{"$f":"'Step 2 NBIB Confidential'!E492","v":0},{"$f":"'Step 2 NBIB Confidential'!F492","v":0},{"$f":"'Step 2 NBIB Confidential'!G492","v":0},{"$f":"'Step 2 NBIB Confidential'!H492","v":0},{"$f":"'Step 2 NBIB Confidential'!I492","v":0},{"$f":"'Step 2 NBIB Confidential'!J492","v":0},{"$f":"'Step 2 NBIB Confidential'!K492","v":0},{"$f":"'Step 2 NBIB Confidential'!L492","v":0},{"$f":"'Step 2 NBIB Confidential'!M492","v":0},{"$f":"'Step 2 NBIB Confidential'!N492","v":0},{"$f":"'Step 2 NBIB Confidential'!O492","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A494","v":"All Coverages   Combined After Capping"},null,null,null,null,null,null,null,null,null,null,null,null,null,"need links"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A200","v":"Table 16 - Exposures and Premiums"}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!D203","v":"Exposures"},null,null,{"$f":"'Step 2 NBIB Confidential'!G203","v":"Premiums"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!J203","v":"Average Premium"}]
[null,{"$f":"'Step 2 NBIB Confidential'!C204","v":"Renewal Year"},{"$f":"'Step 2 NBIB Confidential'!D204","v":"In force"},{"$f":"'Step 2 NBIB Confidential'!E204","v":"Written"},{"$f":"'Step 2 NBIB Confidential'!F204","v":"Earned "},{"$f":"'Step 2 NBIB Confidential'!G204","v":"In force"},null,{"$f":"'Step 2 NBIB Confidential'!H204","v":"Written"},null,{"$f":"'Step 2 NBIB Confidential'!I204","v":"Earned "},null,{"$f":"'Step 2 NBIB Confidential'!J204","v":"In force"},{"$f":"'Step 2 NBIB Confidential'!K204","v":"Written"},{"$f":"'Step 2 NBIB Confidential'!L204","v":"Earned "}]
[null,{"$f":"'Step 2 NBIB Confidential'!C205","v":"2017"},{"$f":"'Step 2 NBIB Confidential'!D205","v":123},{"$f":"'Step 2 NBIB Confidential'!E205","v":456},{"$f":"'Step 2 NBIB Confidential'!F205","v":789},{"$f":"'Step 2 NBIB Confidential'!G205","v":1234},null,{"$f":"'Step 2 NBIB Confidential'!H205","v":2345},null,{"$f":"'Step 2 NBIB Confidential'!I205","v":5678},null,{"$f":"'Step 2 NBIB Confidential'!J205","v":987},{"$f":"'Step 2 NBIB Confidential'!K205","v":876},{"$f":"'Step 2 NBIB Confidential'!L205","v":986}]
[null,{"$f":"'Step 2 NBIB Confidential'!C206","v":"2018"},{"$f":"'Step 2 NBIB Confidential'!D206","v":789},{"$f":"'Step 2 NBIB Confidential'!E206","v":0},{"$f":"'Step 2 NBIB Confidential'!F206","v":0},{"$f":"'Step 2 NBIB Confidential'!G206","v":0},null,{"$f":"'Step 2 NBIB Confidential'!H206","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I206","v":0},null,{"$f":"'Step 2 NBIB Confidential'!J206","v":0},{"$f":"'Step 2 NBIB Confidential'!K206","v":0},{"$f":"'Step 2 NBIB Confidential'!L206","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C207","v":"2019"},{"$f":"'Step 2 NBIB Confidential'!D207","v":456},{"$f":"'Step 2 NBIB Confidential'!E207","v":0},{"$f":"'Step 2 NBIB Confidential'!F207","v":0},{"$f":"'Step 2 NBIB Confidential'!G207","v":0},null,{"$f":"'Step 2 NBIB Confidential'!H207","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I207","v":0},null,{"$f":"'Step 2 NBIB Confidential'!J207","v":0},{"$f":"'Step 2 NBIB Confidential'!K207","v":0},{"$f":"'Step 2 NBIB Confidential'!L207","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C208","v":"2020"},{"$f":"'Step 2 NBIB Confidential'!D208","v":234},{"$f":"'Step 2 NBIB Confidential'!E208","v":0},{"$f":"'Step 2 NBIB Confidential'!F208","v":0},{"$f":"'Step 2 NBIB Confidential'!G208","v":0},null,{"$f":"'Step 2 NBIB Confidential'!H208","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I208","v":0},null,{"$f":"'Step 2 NBIB Confidential'!J208","v":0},{"$f":"'Step 2 NBIB Confidential'!K208","v":0},{"$f":"'Step 2 NBIB Confidential'!L208","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C209","v":"2021"},{"$f":"'Step 2 NBIB Confidential'!D209","v":123},{"$f":"'Step 2 NBIB Confidential'!E209","v":0},{"$f":"'Step 2 NBIB Confidential'!F209","v":0},{"$f":"'Step 2 NBIB Confidential'!G209","v":0},null,{"$f":"'Step 2 NBIB Confidential'!H209","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I209","v":0},null,{"$f":"'Step 2 NBIB Confidential'!J209","v":0},{"$f":"'Step 2 NBIB Confidential'!K209","v":0},{"$f":"'Step 2 NBIB Confidential'!L209","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Current Filing"]
["Is company proposing to :",null,{"$f":"'Step 1 Non-Confidential'!A30","v":"Adopting rates from a Sister Company"},null,null,{"$f":"'Step 1 Non-Confidential'!D30","v":0},{"$f":"'Step 1 Non-Confidential'!E30","v":"Sister Company adopting rates"},null,null,{"$f":"'Step 1 Non-Confidential'!H30","v":0}]
[{"$f":"'Step 1 Non-Confidential'!D31","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A11","v":"Purpose and Scope"}]
[{"$f":"'Step 2 NBIB Confidential'!A13","v":0}]
["Coverages","Current written exposures","Indicated","Selected before capping","Selected after capping","Current Aver Prem","Proposed  Average Premium before capping","Proposed Average Premium After capping","Difference Before Capping","Difference After Capping","Capping",null,null,"Amount"]
["Bodily Injury",{"$f":"'Step 2 NBIB Confidential'!B109","v":0},{"$f":"'Step 2 NBIB Confidential'!B163","v":0},{"$f":"'Step 2 NBIB Confidential'!B178","v":0},{"$f":"'Step 2 NBIB Confidential'!B193","v":0},{"$f":"'Step 2 NBIB Confidential'!B125","v":0},{"$f":"'Step 2 NBIB Confidential'!B140","v":0},{"$f":"'Step 2 NBIB Confidential'!B155","v":0},{"$f":"G117-F117","v":0},{"$f":"H117-F117","v":0},{"$f":"'Capping Cupping'!A20","v":"Proposed New Capping/Cupping: "},null,null,{"$f":"'Step 1 Non-Confidential'!L50","v":0}]
["Property Damage",{"$f":"'Step 2 NBIB Confidential'!C109","v":0},{"$f":"'Step 2 NBIB Confidential'!C163","v":0},{"$f":"'Step 2 NBIB Confidential'!C178","v":0},{"$f":"'Step 2 NBIB Confidential'!C193","v":0},{"$f":"'Step 2 NBIB Confidential'!C125","v":0},{"$f":"'Step 2 NBIB Confidential'!C140","v":0},{"$f":"'Step 2 NBIB Confidential'!C155","v":0},0,0,"Amount Capping",null,null,{"$f":"'Capping Cupping'!G21","v":0}]
["DCPD",{"$f":"'Step 2 NBIB Confidential'!D109","v":0},{"$f":"'Step 2 NBIB Confidential'!D163","v":0},{"$f":"'Step 2 NBIB Confidential'!D178","v":0},{"$f":"'Step 2 NBIB Confidential'!D193","v":0},{"$f":"'Step 2 NBIB Confidential'!D125","v":0},{"$f":"'Step 2 NBIB Confidential'!D140","v":0},{"$f":"'Step 2 NBIB Confidential'!D155","v":0},0,0,"Amount Cupping",null,null,{"$f":"'Capping Cupping'!G22","v":0}]
["Accident Benefits",{"$f":"'Step 2 NBIB Confidential'!E109","v":0},{"$f":"'Step 2 NBIB Confidential'!E163","v":0},{"$f":"'Step 2 NBIB Confidential'!E178","v":0},{"$f":"'Step 2 NBIB Confidential'!E193","v":0},{"$f":"'Step 2 NBIB Confidential'!E125","v":0},{"$f":"'Step 2 NBIB Confidential'!E140","v":0},{"$f":"'Step 2 NBIB Confidential'!E155","v":0},0,0,{"$f":"'[6]Capping Cupping'!B23","v":"Capping/cupping of individual rate by:"},null,null,{"$f":"'Capping Cupping'!G16","v":0}]
["Uninsured Auto",{"$f":"'Step 2 NBIB Confidential'!F109","v":0},{"$f":"'Step 2 NBIB Confidential'!F163","v":0},{"$f":"'Step 2 NBIB Confidential'!F178","v":0},{"$f":"'Step 2 NBIB Confidential'!F193","v":0},{"$f":"'Step 2 NBIB Confidential'!F125","v":0},{"$f":"'Step 2 NBIB Confidential'!F140","v":0},{"$f":"'Step 2 NBIB Confidential'!F155","v":0},0,0]
["Health Services Levy",{"$f":"'Step 2 NBIB Confidential'!G109","v":0},{"$f":"'Step 2 NBIB Confidential'!G163","v":0},{"$f":"'Step 2 NBIB Confidential'!G178","v":0},{"$f":"'Step 2 NBIB Confidential'!G193","v":0},{"$f":"'Step 2 NBIB Confidential'!G125","v":0},{"$f":"'Step 2 NBIB Confidential'!G140","v":0},{"$f":"'Step 2 NBIB Confidential'!G155","v":0},0,0]
["Total Mandatory ",{"$f":"'Step 2 NBIB Confidential'!H109","v":0},{"$f":"'Step 2 NBIB Confidential'!H163","v":0},{"$f":"'Step 2 NBIB Confidential'!H178","v":0},{"$f":"'Step 2 NBIB Confidential'!H193","v":0},{"$f":"'Step 2 NBIB Confidential'!H125","v":0},{"$f":"'Step 2 NBIB Confidential'!H140","v":0},{"$f":"'Step 2 NBIB Confidential'!H155","v":0},0,0]
["Collision",{"$f":"'Step 2 NBIB Confidential'!I109","v":0},{"$f":"'Step 2 NBIB Confidential'!I163","v":0},{"$f":"'Step 2 NBIB Confidential'!I178","v":0},{"$f":"'Step 2 NBIB Confidential'!I193","v":0},{"$f":"'Step 2 NBIB Confidential'!I125","v":0},{"$f":"'Step 2 NBIB Confidential'!I140","v":0},{"$f":"'Step 2 NBIB Confidential'!I155","v":0},0,0]
["Comprehensive",{"$f":"'Step 2 NBIB Confidential'!J109","v":0},{"$f":"'Step 2 NBIB Confidential'!J163","v":0},{"$f":"'Step 2 NBIB Confidential'!J178","v":0},{"$f":"'Step 2 NBIB Confidential'!J193","v":0},{"$f":"'Step 2 NBIB Confidential'!J125","v":0},{"$f":"'Step 2 NBIB Confidential'!J140","v":0},{"$f":"'Step 2 NBIB Confidential'!J155","v":0},0,0]
["Specified Perils",{"$f":"'Step 2 NBIB Confidential'!K109","v":0},{"$f":"'Step 2 NBIB Confidential'!K163","v":0},{"$f":"'Step 2 NBIB Confidential'!K178","v":0},{"$f":"'Step 2 NBIB Confidential'!K193","v":0},{"$f":"'Step 2 NBIB Confidential'!K125","v":0},{"$f":"'Step 2 NBIB Confidential'!K140","v":0},{"$f":"'Step 2 NBIB Confidential'!K155","v":0},0,0]
["All Perils",{"$f":"'Step 2 NBIB Confidential'!L109","v":0},{"$f":"'Step 2 NBIB Confidential'!L163","v":0},{"$f":"'Step 2 NBIB Confidential'!L178","v":0},{"$f":"'Step 2 NBIB Confidential'!L193","v":0},{"$f":"'Step 2 NBIB Confidential'!L125","v":0},{"$f":"'Step 2 NBIB Confidential'!L140","v":0},{"$f":"'Step 2 NBIB Confidential'!L155","v":0},0,0]
["SEF 44",{"$f":"'Step 2 NBIB Confidential'!M109","v":0},{"$f":"'Step 2 NBIB Confidential'!M163","v":0},{"$f":"'Step 2 NBIB Confidential'!M178","v":0},{"$f":"'Step 2 NBIB Confidential'!M193","v":0},{"$f":"'Step 2 NBIB Confidential'!M125","v":0},{"$f":"'Step 2 NBIB Confidential'!M140","v":0},{"$f":"'Step 2 NBIB Confidential'!M155","v":0},0,0]
["Total Optional ",{"$f":"'Step 2 NBIB Confidential'!N109","v":0},{"$f":"'Step 2 NBIB Confidential'!N163","v":0},{"$f":"'Step 2 NBIB Confidential'!N178","v":0},{"$f":"'Step 2 NBIB Confidential'!N193","v":0},{"$f":"'Step 2 NBIB Confidential'!N125","v":0},{"$f":"'Step 2 NBIB Confidential'!N140","v":0},{"$f":"'Step 2 NBIB Confidential'!N155","v":0},0,0]
[]
["All Coverages ",{"$f":"'Step 2 NBIB Confidential'!O109","v":0},{"$f":"'Step 2 NBIB Confidential'!O163","v":0},{"$f":"'Step 2 NBIB Confidential'!O178","v":0},{"$f":"'Step 2 NBIB Confidential'!O193","v":0},{"$f":"'Step 2 NBIB Confidential'!O125","v":0},{"$f":"'Step 2 NBIB Confidential'!O140","v":0},{"$f":"'Step 2 NBIB Confidential'!O155","v":0},{"$f":"G131-F131","v":0},{"$f":"H131-F131","v":0}]
[]
[null,"Indicated","Selected","Approved"]
[{"$f":"'Step 1 Non-Confidential'!K2","v":0},{"$f":"J5","v":0},{"$f":"G7","v":0}]
[{"$f":"C65","v":0},{"$f":"C86","v":0},{"$f":"D86","v":0},{"$f":"E86","v":0}]
[{"$f":"F65","v":0},{"$f":"F86","v":0},{"$f":"G86","v":0},{"$f":"H86","v":0}]
[{"$f":"I65","v":0},{"$f":"I86","v":0},{"$f":"J86","v":0},{"$f":"K86","v":0}]
[{"$f":"L65","v":0},{"$f":"L86","v":0},{"$f":"M86","v":0},{"$f":"N86","v":0}]
[]
[]
["Notes:"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Rationale for the proposed changes if selection is different than the indicated change:"]
[{"$f":"'Step 2 NBIB Confidential'!A15","v":0}]
["Notes:"]
[]
["Proposed Changes"]
[{"$f":"'Step 2 NBIB Confidential'!B18","v":"Description of proposed change(s)"},null,null,null,null,null,null,null,null,null,null,"Impact"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A19","v":"No"},{"$f":"'Step 2 NBIB Confidential'!B19","v":"No Change"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O19","v":0},null,null,"need to format cells with conditions"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A20","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!B20","v":"Risk Classification"},null,null,null,null,null,null,null,null,null," "]
["Comment/Notes"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A22","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!B22","v":"Base Rate Changes"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O22","v":0.02}]
[null,{"$f":"'Step 2 NBIB Confidential'!B23","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!C23","v":"NOT due to off balancing differential/discount changes. Uniform by territory"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O23","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B24","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C24","v":"NOT due to off balancing differential/discount changes. NOT uniform by territory"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O24","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B25","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C25","v":"Due to off balancing differential/discount changes. Uniform by territory"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O25","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B26","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C26","v":"Due to off balancing differential/discount changes. NOT uniform by territory"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O26","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B27","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C27","v":"Other:"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O27","v":0}]
[null,"A description of the proposed base rate change"]
[null,"The rationale for the proposed base rate change"]
[null,"Do the proposed base rates agree with the changes proposed?"]
[null,"Do the current base rates agree with what has previously been approved?"]
["Comment/Notes"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A28","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$333, Language!$A$333)","v":"Differentials Changes"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O28","v":0.01}]
[null,{"$f":"'Step 2 NBIB Confidential'!B29","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$334, Language!$A$334)","v":"Classification"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O29","v":0.01}]
[null,{"$f":"'Step 2 NBIB Confidential'!B30","v":"No"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$335, Language!$A$335)","v":"Limits of liability"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O30","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B31","v":"No"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$336, Language!$A$336)","v":"Driving Record/Years Licensed differentials"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O31","v":0}]
[null,"Consistent"]
[null,"Definition - Should be clear and easy to understand"]
[null,"Do the proposed differentials agree with the changes proposed?"]
[null,{"$f":"'Step 2 NBIB Confidential'!B32","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$337, Language!$A$337)","v":"Limit differentials"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O32","v":-0.02}]
[null,"Consistent"]
[null,"Do the proposed differentials agree with the changes proposed?"]
[null,{"$f":"'Step 2 NBIB Confidential'!B33","v":"No"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$338, Language!$A$338)","v":"Deductible differentials"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O33","v":0}]
[null,"Consistent"]
[null,"Do the proposed differentials agree with the changes proposed?"]
[null,{"$f":"'Step 2 NBIB Confidential'!B34","v":"No"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$339, Language!$A$339)","v":"Territorial Differentials"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O34","v":0}]
[null,"Has a map of proposed rating territories included in filing?",null,null,null,null,null,null,null,null,null,"No"]
[null,"Are all territories consistent geographic areas that are contiguous?",null,null,null,null,null,null,null,null,null,"Yes"]
[null," If territories defined differently from the statistical plan show current rate, proposed rate and the rate change for each of its actual pricing territories in addition to the existing eleven territories defined by the statistical plan in each rating profile."]
[null,"For any given territory, is the company a major writer?"]
[null,{"$f":"'Step 2 NBIB Confidential'!B35","v":"No"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$340, Language!$A$340)","v":"Other:"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O35","v":0}]
["Comment/Notes"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A49","v":"No"},{"$f":"'Step 2 NBIB Confidential'!B49","v":"Definition Changes"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O49","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B50","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C50","v":"Territorial Definitions"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O50","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C51","v":"No"},{"$f":"'Step 2 NBIB Confidential'!D51","v":"Amending"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O51","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C52","v":"No"},{"$f":"'Step 2 NBIB Confidential'!D52","v":"Adding"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O52","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C53","v":"No"},{"$f":"'Step 2 NBIB Confidential'!D53","v":"Deleting"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O53","v":0}]
["If a company chooses to deviate from the existing 11 territorial boundaries, they must continue to use these new territorial boundaries for a minimum of three (3) years.  "]
[null,null,"Have boundaries changed within the last 3 years?"]
[null,null,"Is there deviation from 11 Statistical territories? If yes, is map provided in filing?"]
[null,{"$f":"'Step 2 NBIB Confidential'!B54","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C54","v":"Years Licensed Definitions"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O54","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C55","v":0},{"$f":"'Step 2 NBIB Confidential'!D55","v":"Amending"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O55","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C56","v":0},{"$f":"'Step 2 NBIB Confidential'!D56","v":"Adding"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O56","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C57","v":0},{"$f":"'Step 2 NBIB Confidential'!D57","v":"Deleting"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O57","v":0}]
[]
[]
[null,{"$f":"'Step 2 NBIB Confidential'!B58","v":"No"},{"$f":"'Step 2 NBIB Confidential'!C58","v":"Other:"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O58","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C59","v":0},{"$f":"'Step 2 NBIB Confidential'!D59","v":"Amending"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O59","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C60","v":0},{"$f":"'Step 2 NBIB Confidential'!D60","v":"Adding"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O60","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C61","v":0},{"$f":"'Step 2 NBIB Confidential'!D61","v":"Deleting"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O61","v":0}]
["Comment/Notes"]
[]
["Maps"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,"paste rating territory map here, if applicable"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Comment/Notes"]
[]
["Territorial Change Exhibit Summary"]
[]
["Territory","Current written exposures","Current Ave Premium","Proposed Ave premium","Proposed rate change"]
[1,{"$f":"'Step 2 NBIB Confidential'!O98","v":0},{"$f":"'Step 2 NBIB Confidential'!O114","v":0},{"$f":"'Step 2 NBIB Confidential'!O129","v":0},{"$f":"'Step 2 NBIB Confidential'!O167","v":0}]
[2,{"$f":"'Step 2 NBIB Confidential'!O99","v":0},{"$f":"'Step 2 NBIB Confidential'!O115","v":0},{"$f":"'Step 2 NBIB Confidential'!O130","v":0},{"$f":"'Step 2 NBIB Confidential'!O168","v":0}]
[3,{"$f":"'Step 2 NBIB Confidential'!O100","v":0},{"$f":"'Step 2 NBIB Confidential'!O116","v":0},{"$f":"'Step 2 NBIB Confidential'!O131","v":0},{"$f":"'Step 2 NBIB Confidential'!O169","v":0}]
[4,{"$f":"'Step 2 NBIB Confidential'!O101","v":0},{"$f":"'Step 2 NBIB Confidential'!O117","v":0},{"$f":"'Step 2 NBIB Confidential'!O132","v":0},{"$f":"'Step 2 NBIB Confidential'!O170","v":0}]
[5,{"$f":"'Step 2 NBIB Confidential'!O102","v":0},{"$f":"'Step 2 NBIB Confidential'!O118","v":0},{"$f":"'Step 2 NBIB Confidential'!O133","v":0},{"$f":"'Step 2 NBIB Confidential'!O171","v":0}]
[6,{"$f":"'Step 2 NBIB Confidential'!O103","v":0},{"$f":"'Step 2 NBIB Confidential'!O119","v":0},{"$f":"'Step 2 NBIB Confidential'!O134","v":0},{"$f":"'Step 2 NBIB Confidential'!O172","v":0}]
[7,{"$f":"'Step 2 NBIB Confidential'!O104","v":0},{"$f":"'Step 2 NBIB Confidential'!O120","v":0},{"$f":"'Step 2 NBIB Confidential'!O135","v":0},{"$f":"'Step 2 NBIB Confidential'!O173","v":0}]
[8,{"$f":"'Step 2 NBIB Confidential'!O105","v":0},{"$f":"'Step 2 NBIB Confidential'!O121","v":0},{"$f":"'Step 2 NBIB Confidential'!O136","v":0},{"$f":"'Step 2 NBIB Confidential'!O174","v":0}]
[9,{"$f":"'Step 2 NBIB Confidential'!O106","v":0},{"$f":"'Step 2 NBIB Confidential'!O122","v":0},{"$f":"'Step 2 NBIB Confidential'!O137","v":0},{"$f":"'Step 2 NBIB Confidential'!O175","v":0}]
[10,{"$f":"'Step 2 NBIB Confidential'!O107","v":0},{"$f":"'Step 2 NBIB Confidential'!O123","v":0},{"$f":"'Step 2 NBIB Confidential'!O138","v":0},{"$f":"'Step 2 NBIB Confidential'!O176","v":0}]
[11,{"$f":"'Step 2 NBIB Confidential'!O108","v":0},{"$f":"'Step 2 NBIB Confidential'!O124","v":0},{"$f":"'Step 2 NBIB Confidential'!O139","v":0},{"$f":"'Step 2 NBIB Confidential'!O177","v":0}]
[]
["Provincial",{"$f":"'Step 2 NBIB Confidential'!O109","v":0},{"$f":"'Step 2 NBIB Confidential'!O125","v":0},{"$f":"'Step 2 NBIB Confidential'!O140","v":0},{"$f":"'Step 2 NBIB Confidential'!O178","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Comment/Notes"]
[]
["Other Rating Variables"]
[]
[{"$f":"'Step 2 NBIB Confidential'!F82","v":"No"},{"$f":"'Step 2 NBIB Confidential'!A82","v":"Credit Score"}]
[null,"Introduced in this filing?",null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!F82","v":"No"}]
[null,"Offset",null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!H82","v":"n/a"}]
[null,"Currently used as a rating variable",null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!E83","v":"N/A"}]
[null,"When was it introduced?",null,null,null,null,null,null,null,"Billing #",null,{"$f":"'Step 2 NBIB Confidential'!M83","v":0}]
[null,"Was Credit Score document completed and responses reviewed"]
["Comment/Notes"]
[]
[{"$f":"'Step 2 NBIB Confidential'!F86","v":"No"},{"$f":"'Step 2 NBIB Confidential'!A86","v":"UBI"}]
[null,{"$f":"B287","v":"Introduced in this filing?"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!F86","v":"No"}]
[null,"If currently used, when was it introduced",null,null,null,null,null,null,null,"Billing #",null,{"$f":"'Step 2 NBIB Confidential'!N86","v":0}]
["Comment/Notes"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A36","v":"No"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$341, Language!$A$341)","v":"Algorithm Changes"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O36","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A36","v":"No"},"Are changes Proposed",null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O36","v":0}]
[null,"Is current algorithm included?"]
[null,"Is proposed algorithm included?"]
["Comment/Notes"]
[]
[{"$f":"'Step 2 NBIB Confidential'!B37","v":"Rating and Underwriting Rule Changes"}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A37","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!B37","v":"Rating and Underwriting Rule Changes"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O37","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B38","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$343, Language!$A$343)","v":"Amending rules"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O38","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B39","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$344, Language!$A$344)","v":"Adding Rules"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O39","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B40","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$345, Language!$A$345)","v":"Deleting Rules"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O40","v":0}]
[null,"A description of the proposed underwriting rule?"]
[null,"A description of the proposed rating rule change?"]
[null,"The rationale for the proposed changes?"]
[null,"Are rules with compliant with prohibited underwriting practises?"]
[null,"Are rules unfairly discriminating?"]
[null,"Off-balanced"]
["Comment/Notes"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A41","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!B41","v":"Discount Changes"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O41","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B42","v":"No"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$348, Language!$A$348)","v":"Amending rules"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O38","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B43","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$349, Language!$A$349)","v":"Adding Rules"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O43","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B44","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$350, Language!$A$350)","v":"Deleting Rules"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O44","v":0}]
[null,"Group Discount",null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O657","v":0}]
[null,"A description of all the proposed discounts and surcharges?"]
[null,"The rationale for each of the proposed discounts and surcharges?"]
[null,"If changes to an existing discount or surcharge, when was it last amended?"]
[null,"Requested a list of current discounts"]
["Comment/Notes"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A62","v":"No"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$354, Language!$A$354)","v":"Endorsement Changes"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O62","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B63","v":0},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$355, Language!$A$355)","v":"Amending Endorsement"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O63","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B64","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$356, Language!$A$356)","v":"Adding Endorsement"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O64","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!B65","v":0},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$357, Language!$A$357)","v":"Deleting Endorsement"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O65","v":0}]
[null,null,"A description of all the proposed endorsement?"]
[null,null,"The premium to be charged for the endorsement included?"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A66","v":"No"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$358, Language!$A$358)","v":"IAO - Adopt Most recent Approved IAO Base Rates and Differentials Tables"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L66","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C67","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$359, Language!$A$359)","v":"IAO Rate Table currently being used (YEAR)"}]
[null,{"$f":"'Step 2 NBIB Confidential'!C68","v":0},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$360, Language!$A$360)","v":"IAO Rate Table proposed (YEAR)"}]
[null,{"$f":"'Step 2 NBIB Confidential'!C69","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$361, Language!$A$361)","v":"No deviation from IAO Rate Table"}]
[null,{"$f":"'Step 2 NBIB Confidential'!C70","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$362, Language!$A$362)","v":"Rationale for adopting IAO Rate : "}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!D71","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A72","v":"Yes"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$365, Language!$A$365)","v":"Update Rate Group  Tables"},null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O75","v":0}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$368, Language!$A$368)","v":"Current"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$366, Language!$A$366)","v":"Year of Table"},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$367, Language!$A$367)","v":"Table being used"}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!C74","v":0},{"$f":"'Step 2 NBIB Confidential'!E74","v":0}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$370, Language!$A$370)","v":"Proposed"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$366, Language!$A$366)","v":"Year of Table"},null,{"$f":"E346","v":"Table being used"}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!C77","v":0},{"$f":"'Step 2 NBIB Confidential'!E77","v":0}]
["Comment/Notes"]
[]
["Are proposed changes above:"]
["Acceptable- socially and politically"]
["Consistent - with prior filings and the marketplace"]
["Reasonableness - does it make sense"]
["Related to trends in the marketplace"]
["Change in individual coverages - is there going to be dislocation? What options does the policyholder have?"]
["Was wording document compiled and reviewed"]
["Any concerns with any of the above?"]
["Has History been reviewed and updated"]
["Have we compared to any other market or insurer?"]
["Notes:"]
[]
[{"$f":"'Step 1 Non-Confidential'!A49","v":"Capping/Cupping"},null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Review Capping Sheet",{"$f":"'Capping Cupping'!A11","v":"Current Capping/Cupping:"},null,{"$f":"'Capping Cupping'!M11","v":0},null,{"$f":"'Step 1 Non-Confidential'!H50","v":"Proposed  changes to capping or introducing new capping"},null,null,null,null,{"$f":"'Capping Cupping'!M20","v":0},null,null,null," "]
[null,{"$f":"'Capping Cupping'!B12","v":"Capping amount:"},null,{"$f":"'Capping Cupping'!G12","v":0},null,null,null,{"$f":"'Capping Cupping'!B21","v":"Capping amount:"},null,null,{"$f":"'Capping Cupping'!G21","v":0}]
[null,{"$f":"'Capping Cupping'!B13","v":"Cupping Amount"},null,{"$f":"'Capping Cupping'!G13","v":0},null,null,null,{"$f":"'Capping Cupping'!B22","v":"Cupping Amount"},null,null,{"$f":"'Capping Cupping'!G22","v":0},null,null,null," "]
[null,{"$f":"'Capping Cupping'!B16","v":"Capping/Cupping of individual rate by:"},null,{"$f":"'Capping Cupping'!G16","v":0},null,null,null,{"$f":"'Capping Cupping'!B23","v":"Capping/cupping of individual rate by:"},null,null,{"$f":"'Capping Cupping'!G23","v":0}]
[{"$f":"'Capping Cupping'!B25","v":"Provide rationale as to why capping/cupping is proposed:"}]
[{"$f":"'Capping Cupping'!B26","v":0}]
[{"$f":"'Capping Cupping'!B29","v":"Provide details on expected date of removal:"}]
[{"$f":"'Capping Cupping'!B30","v":0}]
[{"$f":"'Capping Cupping'!B31","v":"Any further comment in regards to capping/cupping:"}]
[{"$f":"'Capping Cupping'!B32","v":0}]
["Comments/Notes"]
["       "]
[]
[{"$f":"'Step 1 Non-Confidential'!A53","v":"Dislocation Before Capping/Cupping"}]
[{"$f":"'Step 1 Non-Confidential'!B54","v":"Table 1 Before Capping"},{"$f":"'Step 1 Non-Confidential'!E54","v":"Impact on Mandatory + Optional Coverages Combined"}]
[null,null,null,null,null,null,"Capping",null,null,null,null,null,null,null," "]
[{"$f":"'Step 1 Non-Confidential'!B55","v":"Range of Dislocation"},{"$f":"'Step 1 Non-Confidential'!E55","v":"Exposures"},{"$f":"'Step 1 Non-Confidential'!F55","v":"% Affected"},null,null,null,"Current Capping",null,null,null,{"$f":"'Step 1 Non-Confidential'!E50","v":0},null,null,null," "]
[{"$f":"'Step 1 Non-Confidential'!B56","v":"Increase of more than 20.1%"},{"$f":"'Step 1 Non-Confidential'!E56","v":0},{"$f":"'Step 1 Non-Confidential'!F56","v":{"$error":"#DIV/0!"}},{"$f":"SUM(C382:C384)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(C382:C386)","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!B57","v":"Increase of 15.1% to 20%"},{"$f":"'Step 1 Non-Confidential'!E57","v":0},{"$f":"'Step 1 Non-Confidential'!F57","v":{"$error":"#DIV/0!"}},null,null,null,"Proposed Capping",null,null,null,{"$f":"'Step 1 Non-Confidential'!L50","v":0}]
[{"$f":"'Step 1 Non-Confidential'!B58","v":"Increase of 10.1% to 15%"},{"$f":"'Step 1 Non-Confidential'!E58","v":0},{"$f":"'Step 1 Non-Confidential'!F58","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!B59","v":"Increase of 5.1% to 10%"},{"$f":"'Step 1 Non-Confidential'!E59","v":0},{"$f":"'Step 1 Non-Confidential'!F59","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!B60","v":"Increase of 0.1% to 5%"},{"$f":"'Step 1 Non-Confidential'!E60","v":0},{"$f":"'Step 1 Non-Confidential'!F60","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!B61","v":"NO CHANGE"},{"$f":"'Step 1 Non-Confidential'!E61","v":0},{"$f":"'Step 1 Non-Confidential'!F61","v":{"$error":"#DIV/0!"}},{"$f":"C387","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!B62","v":"Decrease of 0.1% to 5%"},{"$f":"'Step 1 Non-Confidential'!E62","v":0},{"$f":"'Step 1 Non-Confidential'!F62","v":{"$error":"#DIV/0!"}},null,{"$f":"SUM(C388:C392)","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!B63","v":"Decrease of 5.1% to 10%"},{"$f":"'Step 1 Non-Confidential'!E63","v":0},{"$f":"'Step 1 Non-Confidential'!F63","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!B64","v":"Decrease of 10.1% to 15%"},{"$f":"'Step 1 Non-Confidential'!E64","v":0},{"$f":"'Step 1 Non-Confidential'!F64","v":{"$error":"#DIV/0!"}},{"$f":"SUM(C390:C392)","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!B65","v":"Decrease of 15.1% to 20%"},{"$f":"'Step 1 Non-Confidential'!E65","v":0},{"$f":"'Step 1 Non-Confidential'!F65","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!B66","v":"Decrease of more than 20.1%"},{"$f":"'Step 1 Non-Confidential'!E66","v":0},{"$f":"'Step 1 Non-Confidential'!F66","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!B67","v":"TOTAL"},{"$f":"'Step 1 Non-Confidential'!E67","v":0},{"$f":"'[5]Start Here NBIB Cover Sheet'!F134","v":1},{"$f":"SUM(E382+D387+E388)","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A73","v":"Table 1.A"},null,null,null,{"$f":"'Step 1 Non-Confidential'!G73","v":"Table 1.B"}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B140","v":"Range of Rate Change"},{"$f":"B381","v":"Exposures"},"Disbursement over 10%",null,{"$f":"'Step 1 Non-Confidential'!A74","v":"Range of Dislocation"},null,null,{"$f":"'Step 1 Non-Confidential'!D75","v":"Exposures"},{"$f":"'Step 1 Non-Confidential'!E75","v":"Disbursement over 10%"}]
[]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B142","v":"Increase of 19.1% to20%"},{"$f":"'Step 1 Non-Confidential'!D76","v":0},{"$f":"'Step 1 Non-Confidential'!E76","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G76","v":"Increase of 29.1% to 30%"},null,null,{"$f":"'Step 1 Non-Confidential'!J76","v":0},{"$f":"'Step 1 Non-Confidential'!K76","v":{"$error":"#DIV/0!"}}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B143","v":"Increase of 18.1% to 19%"},{"$f":"'Step 1 Non-Confidential'!D77","v":0},{"$f":"'Step 1 Non-Confidential'!E77","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G77","v":"Increase of 28.1% to 29%"},null,null,{"$f":"'Step 1 Non-Confidential'!J77","v":0},{"$f":"'Step 1 Non-Confidential'!K77","v":{"$error":"#DIV/0!"}}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B144","v":"Increase of 17.1% to 18%"},{"$f":"'Step 1 Non-Confidential'!D78","v":0},{"$f":"'Step 1 Non-Confidential'!E78","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G78","v":"Increase of 27.1% to 28%"},null,null,{"$f":"'Step 1 Non-Confidential'!J78","v":0},{"$f":"'Step 1 Non-Confidential'!K78","v":{"$error":"#DIV/0!"}}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B145","v":"Increase of 16.1% to 17%"},{"$f":"'Step 1 Non-Confidential'!D79","v":0},{"$f":"'Step 1 Non-Confidential'!E79","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G79","v":"Increase of 26.1% to 27%"},null,null,{"$f":"'Step 1 Non-Confidential'!J79","v":0},{"$f":"'Step 1 Non-Confidential'!K79","v":{"$error":"#DIV/0!"}}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B146","v":"Increase of 15.1% to 16%"},{"$f":"'Step 1 Non-Confidential'!D80","v":0},{"$f":"'Step 1 Non-Confidential'!E80","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G80","v":"Increase of 25.1% to 26%"},null,null,{"$f":"'Step 1 Non-Confidential'!J80","v":0},{"$f":"'Step 1 Non-Confidential'!K80","v":{"$error":"#DIV/0!"}},{"$f":"C382","v":{"$error":"#DIV/0!"}}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B147","v":"Increase of 14.1 to 15%"},{"$f":"'Step 1 Non-Confidential'!D81","v":0},{"$f":"'Step 1 Non-Confidential'!E81","v":{"$error":"#DIV/0!"}},{"$f":"C384+C383","v":{"$error":"#DIV/0!"}},{"$f":"'Step 1 Non-Confidential'!G81","v":"Increase of 24.1% to 25%"},null,null,{"$f":"'Step 1 Non-Confidential'!J81","v":0},{"$f":"'Step 1 Non-Confidential'!K81","v":{"$error":"#DIV/0!"}}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B148","v":"Increase of 13.1% to 14%"},{"$f":"'Step 1 Non-Confidential'!D82","v":0},{"$f":"'Step 1 Non-Confidential'!E82","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G82","v":"Increase of 23.1% to 24%"},null,null,{"$f":"'Step 1 Non-Confidential'!J82","v":0},{"$f":"'Step 1 Non-Confidential'!K82","v":{"$error":"#DIV/0!"}}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B149","v":"Increase of 12.1% to 13%"},{"$f":"'Step 1 Non-Confidential'!D83","v":0},{"$f":"'Step 1 Non-Confidential'!E83","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G83","v":"Increase of 22.1% to 23%"},null,null,{"$f":"'Step 1 Non-Confidential'!J83","v":0},{"$f":"'Step 1 Non-Confidential'!K83","v":{"$error":"#DIV/0!"}}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B150","v":"Increase of 11.1 to 12%"},{"$f":"'Step 1 Non-Confidential'!D84","v":0},{"$f":"'Step 1 Non-Confidential'!E84","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G84","v":"Increase of 21.1% to 22%"},null,null,{"$f":"'Step 1 Non-Confidential'!J84","v":0},{"$f":"'Step 1 Non-Confidential'!K84","v":{"$error":"#DIV/0!"}}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B151","v":"Increase of 10.1 to 11%"},{"$f":"'Step 1 Non-Confidential'!D85","v":0},{"$f":"'Step 1 Non-Confidential'!E85","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G85","v":"Increase of 20.1% to 21%"},null,null,{"$f":"'Step 1 Non-Confidential'!J85","v":0},{"$f":"'Step 1 Non-Confidential'!K85","v":{"$error":"#DIV/0!"}}]
[{"$f":"'[5]Start Here NBIB Cover Sheet'!B152","v":"TOTAL"},{"$f":"SUM(B397:B406)","v":0},{"$f":"'Step 1 Non-Confidential'!E86","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G86","v":"TOTAL"},null,null,{"$f":"SUM(H397:H406)","v":0},{"$f":"'Step 1 Non-Confidential'!K86","v":{"$error":"#DIV/0!"}}]
[]
["Dislocation Tables for over 30%.  Please use in increments of 1%"]
[]
[{"$f":"'Step 1 Non-Confidential'!A91","v":"Table 1.C"},null,null,null,{"$f":"'Step 1 Non-Confidential'!G91","v":"Table 1.D"}]
[{"$f":"'Step 1 Non-Confidential'!A92","v":"30.1% to 40%"},{"$f":"'Step 1 Non-Confidential'!D92","v":"Exposures"},{"$f":"'Step 1 Non-Confidential'!E92","v":"Disbursement over 10%"},null,{"$f":"'Step 1 Non-Confidential'!G92","v":"40.1% to 50%"},null,null,{"$f":"'Step 1 Non-Confidential'!J92","v":"Exposures"},{"$f":"'Step 1 Non-Confidential'!K92","v":"Disbursement over 10%"}]
[]
[{"$f":"'Step 1 Non-Confidential'!A93","v":"Increase of 30.1% to 31%"},{"$f":"'Step 1 Non-Confidential'!D93","v":0},{"$f":"'Step 1 Non-Confidential'!E93","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G93","v":"Increase of 40.1% to 41%"},null,null,{"$f":"'Step 1 Non-Confidential'!J93","v":0},{"$f":"'Step 1 Non-Confidential'!K93","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A94","v":"Increase of 31.1% to 32%"},{"$f":"'Step 1 Non-Confidential'!D93","v":0},{"$f":"'Step 1 Non-Confidential'!E94","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G94","v":"Increase of 41.1% to 42%"},null,null,{"$f":"'Step 1 Non-Confidential'!J94","v":0},{"$f":"'Step 1 Non-Confidential'!K94","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A95","v":"Increase of 32.1% to 33%"},{"$f":"'Step 1 Non-Confidential'!D94","v":0},{"$f":"'Step 1 Non-Confidential'!E95","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G95","v":"Increase of 42.1% to 43%"},null,null,{"$f":"'Step 1 Non-Confidential'!J95","v":0},{"$f":"'Step 1 Non-Confidential'!K95","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A96","v":"Increase of 33.1% to 34%"},{"$f":"'Step 1 Non-Confidential'!D95","v":0},{"$f":"'Step 1 Non-Confidential'!E96","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G96","v":"Increase of 43.1% to 44%"},null,null,{"$f":"'Step 1 Non-Confidential'!J96","v":0},{"$f":"'Step 1 Non-Confidential'!K96","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A97","v":"increase of 35.1% to 36%"},{"$f":"'Step 1 Non-Confidential'!D96","v":0},{"$f":"'Step 1 Non-Confidential'!E97","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G97","v":"Increase of 44.1% to 45%"},null,null,{"$f":"'Step 1 Non-Confidential'!J97","v":0},{"$f":"'Step 1 Non-Confidential'!K97","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A98","v":"Increase of 34.1% to 35%"},{"$f":"'Step 1 Non-Confidential'!D97","v":0},{"$f":"'Step 1 Non-Confidential'!E98","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G98","v":"Increase of 45.1% to 46%"},null,null,{"$f":"'Step 1 Non-Confidential'!J98","v":0},{"$f":"'Step 1 Non-Confidential'!K98","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A99","v":"Increase of 36.1% to 37%"},{"$f":"'Step 1 Non-Confidential'!D98","v":0},{"$f":"'Step 1 Non-Confidential'!E99","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G99","v":"Increase of 46.1% to 47%"},null,null,{"$f":"'Step 1 Non-Confidential'!J99","v":0},{"$f":"'Step 1 Non-Confidential'!K99","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A100","v":"Increase of 37.1% to 38%"},{"$f":"'Step 1 Non-Confidential'!D99","v":0},{"$f":"'Step 1 Non-Confidential'!E100","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G100","v":"Increase of 47.1% to 48%"},null,null,{"$f":"'Step 1 Non-Confidential'!J100","v":0},{"$f":"'Step 1 Non-Confidential'!K100","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A101","v":"Increase of 38.1% to 39%"},{"$f":"'Step 1 Non-Confidential'!D100","v":0},{"$f":"'Step 1 Non-Confidential'!E101","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G101","v":"Increase of 48.1% to 49%"},null,null,{"$f":"'Step 1 Non-Confidential'!J101","v":0},{"$f":"'Step 1 Non-Confidential'!K101","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A102","v":"Increase of 39.1% to 40%"},{"$f":"'Step 1 Non-Confidential'!D101","v":0},{"$f":"'Step 1 Non-Confidential'!E102","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G102","v":"Increase of 49.1% to 50%"},null,null,{"$f":"'Step 1 Non-Confidential'!J102","v":0},{"$f":"'Step 1 Non-Confidential'!K102","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A103","v":"Total"},{"$f":"SUM(B414:B423)","v":0},{"$f":"SUM(C414:C423)","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G103","v":"Total"},null,null,{"$f":"'Step 1 Non-Confidential'!J103","v":0},{"$f":"'Step 1 Non-Confidential'!K103","v":{"$error":"#DIV/0!"}}]
[]
[{"$f":"'Step 1 Non-Confidential'!A106","v":"Table 1.E"},null,null,null,{"$f":"'Step 1 Non-Confidential'!G106","v":"Table 1.F"}]
[{"$f":"'Step 1 Non-Confidential'!A107","v":"50.1% to 60%"},{"$f":"'Step 1 Non-Confidential'!D107","v":"Exposures"},{"$f":"'Step 1 Non-Confidential'!E107","v":"Disbursement over 10%"},null,{"$f":"'Step 1 Non-Confidential'!G107","v":"60.1% to 70%"},null,null,{"$f":"'Step 1 Non-Confidential'!J107","v":"Exposures"},{"$f":"'Step 1 Non-Confidential'!K107","v":"Disbursement over 10%"}]
[{"$f":"'Step 1 Non-Confidential'!A108","v":"Increase of 50.1% to 51%"},{"$f":"'Step 1 Non-Confidential'!D108","v":0},{"$f":"'Step 1 Non-Confidential'!E108","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G108","v":"Increase of 61.1% to 62%"},null,null,{"$f":"'Step 1 Non-Confidential'!J108","v":0},{"$f":"'Step 1 Non-Confidential'!K108","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A109","v":"Increase of 51.1% to 52%"},{"$f":"'Step 1 Non-Confidential'!D109","v":0},{"$f":"'Step 1 Non-Confidential'!E109","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G109","v":"Increase of 60.1% to 61%"},null,null,{"$f":"'Step 1 Non-Confidential'!J109","v":0},{"$f":"'Step 1 Non-Confidential'!K109","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A110","v":"Increase of 52.1% to 53%"},{"$f":"'Step 1 Non-Confidential'!D110","v":0},{"$f":"'Step 1 Non-Confidential'!E110","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G110","v":"Increase of 62.1% to 63%"},null,null,{"$f":"'Step 1 Non-Confidential'!J110","v":0},{"$f":"'Step 1 Non-Confidential'!K110","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A111","v":"Increase of 53.1% to 54%"},{"$f":"'Step 1 Non-Confidential'!D111","v":0},{"$f":"'Step 1 Non-Confidential'!E111","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G111","v":"Increase of 63.1% to 64%"},null,null,{"$f":"'Step 1 Non-Confidential'!J111","v":0},{"$f":"'Step 1 Non-Confidential'!K111","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A112","v":"increase of 55.1% to 56%"},{"$f":"'Step 1 Non-Confidential'!D112","v":0},{"$f":"'Step 1 Non-Confidential'!E112","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G112","v":"increase of 65.1% to 66%"},null,null,{"$f":"'Step 1 Non-Confidential'!J112","v":0},{"$f":"'Step 1 Non-Confidential'!K112","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A113","v":"Increase of 54.1% to 55%"},{"$f":"'Step 1 Non-Confidential'!D113","v":0},{"$f":"'Step 1 Non-Confidential'!E113","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G113","v":"Increase of 64.1% to 65%"},null,null,{"$f":"'Step 1 Non-Confidential'!J113","v":0},{"$f":"'Step 1 Non-Confidential'!K113","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A114","v":"Increase of 56.1% to 57%"},{"$f":"'Step 1 Non-Confidential'!D114","v":0},{"$f":"'Step 1 Non-Confidential'!E114","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G114","v":"Increase of 66.1% to 67%"},null,null,{"$f":"'Step 1 Non-Confidential'!J114","v":0},{"$f":"'Step 1 Non-Confidential'!K114","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A115","v":"Increase of 57.1% to 58%"},{"$f":"'Step 1 Non-Confidential'!D115","v":0},{"$f":"'Step 1 Non-Confidential'!E115","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G115","v":"Increase of 67.1% to 68%"},null,null,{"$f":"'Step 1 Non-Confidential'!J115","v":0},{"$f":"'Step 1 Non-Confidential'!K115","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A116","v":"Increase of 58.1% to 59%"},{"$f":"'Step 1 Non-Confidential'!D116","v":0},{"$f":"'Step 1 Non-Confidential'!E116","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G116","v":"Increase of 68.1% to 69%"},null,null,{"$f":"'Step 1 Non-Confidential'!J116","v":0},{"$f":"'Step 1 Non-Confidential'!K116","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A117","v":"Increase of 59.1% to 60%"},{"$f":"'Step 1 Non-Confidential'!D117","v":0},{"$f":"'Step 1 Non-Confidential'!E117","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G117","v":"Increase of 69.1% to 70%"},null,null,{"$f":"'Step 1 Non-Confidential'!J117","v":0},{"$f":"'Step 1 Non-Confidential'!K117","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A118","v":"Total"},{"$f":"'Step 1 Non-Confidential'!D118","v":0},{"$f":"'Step 1 Non-Confidential'!E118","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G118","v":"Total"},null,null,{"$f":"'Step 1 Non-Confidential'!J118","v":0},{"$f":"'Step 1 Non-Confidential'!K118","v":{"$error":"#DIV/0!"}}]
[]
[{"$f":"'Step 1 Non-Confidential'!A121","v":"Table 1.G"},null,null,null,{"$f":"'Step 1 Non-Confidential'!G121","v":"Table 1.H"}]
[{"$f":"'Step 1 Non-Confidential'!A122","v":"70.1% to 80%"},{"$f":"'Step 1 Non-Confidential'!D122","v":"Exposures"},{"$f":"'Step 1 Non-Confidential'!E122","v":"Disbursement over 10%"},null,{"$f":"'Step 1 Non-Confidential'!G122","v":"80.1% to 90%"},null,null,{"$f":"'Step 1 Non-Confidential'!J122","v":"Exposures"},{"$f":"'Step 1 Non-Confidential'!K122","v":"Disbursement over 10%"}]
[{"$f":"'Step 1 Non-Confidential'!A123","v":"Increase of 70.1% to 71%"},{"$f":"'Step 1 Non-Confidential'!D123","v":0},{"$f":"'Step 1 Non-Confidential'!E123","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G123","v":"Increase of 80.1% to 81%"},null,null,{"$f":"'Step 1 Non-Confidential'!J123","v":0},{"$f":"'Step 1 Non-Confidential'!K123","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A124","v":"Increase of 71.1% to 72%"},{"$f":"'Step 1 Non-Confidential'!D124","v":0},{"$f":"'Step 1 Non-Confidential'!E124","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G124","v":"Increase of 81.1% to 82%"},null,null,{"$f":"'Step 1 Non-Confidential'!J124","v":0},{"$f":"'Step 1 Non-Confidential'!K124","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A125","v":"Increase of 72.1% to 73%"},{"$f":"'Step 1 Non-Confidential'!D125","v":0},{"$f":"'Step 1 Non-Confidential'!E125","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G125","v":"Increase of 82.1% to 83%"},null,null,{"$f":"'Step 1 Non-Confidential'!J125","v":0},{"$f":"'Step 1 Non-Confidential'!K125","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A126","v":"Increase of 73.1% to 74%"},{"$f":"'Step 1 Non-Confidential'!D126","v":0},{"$f":"'Step 1 Non-Confidential'!E126","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G126","v":"Increase of 83.1% to 84%"},null,null,{"$f":"'Step 1 Non-Confidential'!J126","v":0},{"$f":"'Step 1 Non-Confidential'!K126","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A127","v":"increase of 75.1% to 76%"},{"$f":"'Step 1 Non-Confidential'!D127","v":0},{"$f":"'Step 1 Non-Confidential'!E127","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G127","v":"increase of 85.1% to 86%"},null,null,{"$f":"'Step 1 Non-Confidential'!J127","v":0},{"$f":"'Step 1 Non-Confidential'!K127","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A128","v":"Increase of 74.1% to 75%"},{"$f":"'Step 1 Non-Confidential'!D128","v":0},{"$f":"'Step 1 Non-Confidential'!E128","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G128","v":"Increase of 84.1% to 85%"},null,null,{"$f":"'Step 1 Non-Confidential'!J128","v":0},{"$f":"'Step 1 Non-Confidential'!K128","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A129","v":"Increase of 76.1% to 77%"},{"$f":"'Step 1 Non-Confidential'!D129","v":0},{"$f":"'Step 1 Non-Confidential'!E129","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G129","v":"Increase of 86.1% to 87%"},null,null,{"$f":"'Step 1 Non-Confidential'!J129","v":0},{"$f":"'Step 1 Non-Confidential'!K129","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A130","v":"Increase of 77.1% to 78%"},{"$f":"'Step 1 Non-Confidential'!D130","v":0},{"$f":"'Step 1 Non-Confidential'!E130","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G130","v":"Increase of 87.1% to 88%"},null,null,{"$f":"'Step 1 Non-Confidential'!J130","v":0},{"$f":"'Step 1 Non-Confidential'!K130","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A131","v":"Increase of 78.1% to 79%"},{"$f":"'Step 1 Non-Confidential'!D131","v":0},{"$f":"'Step 1 Non-Confidential'!E131","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G131","v":"Increase of 88.1% to 89%"},null,null,{"$f":"'Step 1 Non-Confidential'!J131","v":0},{"$f":"'Step 1 Non-Confidential'!K131","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A132","v":"Increase of 79.1% to 80%"},{"$f":"'Step 1 Non-Confidential'!D132","v":0},{"$f":"'Step 1 Non-Confidential'!E132","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G132","v":"Increase of 89.1% to 90%"},null,null,{"$f":"'Step 1 Non-Confidential'!J132","v":0},{"$f":"'Step 1 Non-Confidential'!K132","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A133","v":"Total"},{"$f":"'Step 1 Non-Confidential'!D133","v":0},{"$f":"'Step 1 Non-Confidential'!E133","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G133","v":"Total"},null,null,{"$f":"'Step 1 Non-Confidential'!J133","v":0},{"$f":"'Step 1 Non-Confidential'!K133","v":{"$error":"#DIV/0!"}}]
[]
[{"$f":"'Step 1 Non-Confidential'!A136","v":"Table 1.I"},null,null,null,{"$f":"'Step 1 Non-Confidential'!G136","v":"Table 1.J"}]
[{"$f":"'Step 1 Non-Confidential'!A137","v":"90.1% to 100%"},{"$f":"'Step 1 Non-Confidential'!D137","v":"Exposures"},{"$f":"'Step 1 Non-Confidential'!E137","v":"Disbursement over 10%"},null,{"$f":"'Step 1 Non-Confidential'!G137","v":"100.1% to 110%"},null,null,{"$f":"'Step 1 Non-Confidential'!J137","v":"Exposures"},{"$f":"'Step 1 Non-Confidential'!K137","v":"Disbursement over 10%"}]
[{"$f":"'Step 1 Non-Confidential'!A138","v":"Increase of 90.1% to 91%"},{"$f":"'Step 1 Non-Confidential'!D138","v":0},{"$f":"'Step 1 Non-Confidential'!E138","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G138","v":"Increase of 100.1% to 101%"},null,null,{"$f":"'Step 1 Non-Confidential'!J138","v":0},{"$f":"'Step 1 Non-Confidential'!K138","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A139","v":"Increase of 91.1% to 92%"},{"$f":"'Step 1 Non-Confidential'!D139","v":0},{"$f":"'Step 1 Non-Confidential'!E139","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G139","v":"Increase of 101.1% to 102%"},null,null,{"$f":"'Step 1 Non-Confidential'!J139","v":0},{"$f":"'Step 1 Non-Confidential'!K139","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A140","v":"Increase of 92.1% to 93%"},{"$f":"'Step 1 Non-Confidential'!D140","v":0},{"$f":"'Step 1 Non-Confidential'!E140","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G140","v":"Increase of 102.1% to 103%"},null,null,{"$f":"'Step 1 Non-Confidential'!J140","v":0},{"$f":"'Step 1 Non-Confidential'!K140","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A141","v":"Increase of 93.1% to 94%"},{"$f":"'Step 1 Non-Confidential'!D141","v":0},{"$f":"'Step 1 Non-Confidential'!E141","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G141","v":"Increase of 103.1% to 104%"},null,null,{"$f":"'Step 1 Non-Confidential'!J141","v":0},{"$f":"'Step 1 Non-Confidential'!K141","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A142","v":"increase of 95.1% to 96%"},{"$f":"'Step 1 Non-Confidential'!D142","v":0},{"$f":"'Step 1 Non-Confidential'!E142","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G142","v":"increase of 105.1% to 106%"},null,null,{"$f":"'Step 1 Non-Confidential'!J142","v":0},{"$f":"'Step 1 Non-Confidential'!K142","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A143","v":"Increase of 94.1% to 95%"},{"$f":"'Step 1 Non-Confidential'!D143","v":0},{"$f":"'Step 1 Non-Confidential'!E143","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G143","v":"Increase of 104.1% to 105%"},null,null,{"$f":"'Step 1 Non-Confidential'!J143","v":0},{"$f":"'Step 1 Non-Confidential'!K143","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A144","v":"Increase of 96.1% to 97%"},{"$f":"'Step 1 Non-Confidential'!D144","v":0},{"$f":"'Step 1 Non-Confidential'!E144","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G144","v":"Increase of 106.1% to 107%"},null,null,{"$f":"'Step 1 Non-Confidential'!J144","v":0},{"$f":"'Step 1 Non-Confidential'!K144","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A145","v":"Increase of 97.1% to 98%"},{"$f":"'Step 1 Non-Confidential'!D145","v":0},{"$f":"'Step 1 Non-Confidential'!E145","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G145","v":"Increase of 107.1% to 108%"},null,null,{"$f":"'Step 1 Non-Confidential'!J145","v":0},{"$f":"'Step 1 Non-Confidential'!K145","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A146","v":"Increase of 98.1% to 99%"},{"$f":"'Step 1 Non-Confidential'!D146","v":0},{"$f":"'Step 1 Non-Confidential'!E146","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G146","v":"Increase of 108.1% to 109%"},null,null,{"$f":"'Step 1 Non-Confidential'!J146","v":0},{"$f":"'Step 1 Non-Confidential'!K146","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A147","v":"Increase of 99.1% to 100%"},{"$f":"'Step 1 Non-Confidential'!D147","v":0},{"$f":"'Step 1 Non-Confidential'!E147","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G147","v":"Increase of 109.1% to 110%"},null,null,{"$f":"'Step 1 Non-Confidential'!J147","v":0},{"$f":"'Step 1 Non-Confidential'!K147","v":{"$error":"#DIV/0!"}}]
[{"$f":"'Step 1 Non-Confidential'!A148","v":"Total"},{"$f":"'Step 1 Non-Confidential'!D148","v":0},{"$f":"'Step 1 Non-Confidential'!E148","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 1 Non-Confidential'!G148","v":"Total"},null,null,{"$f":"'Step 1 Non-Confidential'!J148","v":0},{"$f":"'Step 1 Non-Confidential'!K148","v":{"$error":"#DIV/0!"}}]
[]
[{"$f":"'Step 1 Non-Confidential'!A69","v":"Notes or Comments - Explanation for any Dislocation >10%"}]
[{"$f":"'Step 1 Non-Confidential'!A70","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Are there concerns with the number of exposures being dislocated?"]
[]
[]
["Tables 5-12"]
[{"$f":"'Step 2 NBIB Confidential'!E92","v":"On what basis are the following tables completed: i.e. in force"},null,null,{"$f":"'Step 2 NBIB Confidential'!K92","v":0},{"$f":"'Step 2 NBIB Confidential'!L92","v":0},{"$f":"'Step 2 NBIB Confidential'!M92","v":"As Of Date"},{"$f":"'Step 2 NBIB Confidential'!N92","v":"2023-01-16"}]
[{"$f":"'Step 2 NBIB Confidential'!A93","v":"Notes on any of the above"},{"$f":"'Step 2 NBIB Confidential'!B93","v":0}]
["Is this same as prior?",null,null,null,null,null,null,null,null,null,null,null,null,null,"verify"]
[]
[]
["Actuarial Justification"]
["4.a.  Overall Description of the Ratemaking Methodology and Summary"]
[{"$f":"'Step 2 NBIB Confidential'!B227","v":"Is a Generalized Linear Modeling being used to develop rates"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!H227","v":"Yes"},null,{"$f":"'Step 2 NBIB Confidential'!I227","v":"What year was it introduced in New Brunswick?"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!M227","v":"00:00:00"},{"$f":"'Step 2 NBIB Confidential'!N227","v":"Billing #"},{"$f":"'Step 2 NBIB Confidential'!O227","v":"2019-288"}]
[{"$f":"'Step 2 NBIB Confidential'!B228","v":"Is it being introduced with this filing?"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!I228","v":"No"},{"$f":"'Step 2 NBIB Confidential'!A247","v":"Details"}]
[{"$f":"'Step 2 NBIB Confidential'!B229","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? "},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!I229","v":"n/a"},null,null,null,null,null,null,null," "]
["Insert GLM Questions"]
[{"$f":"'Step 2 NBIB Confidential'!B245","v":"Type of approach used"},{"$f":"'Step 2 NBIB Confidential'!E245","v":"Loss Ratio"},{"$f":"'Step 2 NBIB Confidential'!G245","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? "}]
[{"$f":"'Step 2 NBIB Confidential'!A247","v":"Details"},{"$f":"'Step 2 NBIB Confidential'!B247","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A249","v":"Table 17 - Data Used Table"}]
[{"$f":"'Step 2 NBIB Confidential'!B252","v":"Data Used"},{"$f":"'Step 2 NBIB Confidential'!C252","v":"In Force -Internal Company Data"},null,null,{"$f":"'Step 2 NBIB Confidential'!G252","v":"As Of Date"},null,{"$f":"'Step 2 NBIB Confidential'!H252","v":"2022-02-01"},null,{"$f":"'Step 2 NBIB Confidential'!K252","v":0},null,{"$f":"'Step 2 NBIB Confidential'!M252","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B253","v":"Data Used"},{"$f":"'Step 2 NBIB Confidential'!C253","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!G253","v":"As Of Date"},null,{"$f":"'Step 2 NBIB Confidential'!H253","v":"00:00:00"},null,{"$f":"'Step 2 NBIB Confidential'!K253","v":0},null,{"$f":"'Step 2 NBIB Confidential'!M253","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B254","v":"Data Used"},{"$f":"'Step 2 NBIB Confidential'!C254","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!G254","v":"As Of Date"},null,{"$f":"'Step 2 NBIB Confidential'!H254","v":"00:00:00"},null,{"$f":"'Step 2 NBIB Confidential'!K254","v":0},null,{"$f":"'Step 2 NBIB Confidential'!M254","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!G245","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? "},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!B246","v":"If yes, provide details:"},null,null,null,null,"verify"]
[{"$f":"'Step 2 NBIB Confidential'!A256","v":"Details"},{"$f":"'Step 2 NBIB Confidential'!B247","v":0}]
[]
[{"$f":"'[5]Step 2 NBIB Confidential'!A321","v":"Table 18 - Weights Used Table"}]
[{"$f":"'Step 2 NBIB Confidential'!D262","v":"Coverage"},null,{"$f":"'Step 2 NBIB Confidential'!G262","v":"Accident Year"}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!G263","v":2019},{"$f":"'Step 2 NBIB Confidential'!H263","v":2018},{"$f":"'Step 2 NBIB Confidential'!I263","v":2017},{"$f":"'Step 2 NBIB Confidential'!J263","v":2016},null,{"$f":"'Step 2 NBIB Confidential'!K263","v":2015}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!G264","v":"Most Recent"},{"$f":"'Step 2 NBIB Confidential'!H264","v":"First Prior"},{"$f":"'Step 2 NBIB Confidential'!I264","v":"Second Prior"},{"$f":"'Step 2 NBIB Confidential'!J264","v":"Third Prior"},null,{"$f":"'Step 2 NBIB Confidential'!K264","v":"Fourth Prior"}]
[{"$f":"'Step 2 NBIB Confidential'!D265","v":"Bodily Injury"},null,{"$f":"'Step 2 NBIB Confidential'!G265","v":0},{"$f":"'Step 2 NBIB Confidential'!H265","v":0},{"$f":"'Step 2 NBIB Confidential'!I265","v":0},{"$f":"'Step 2 NBIB Confidential'!J265","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K265","v":0},null,"Compare to previous filing",null,null,null,null,"review"]
[{"$f":"'Step 2 NBIB Confidential'!D266","v":"Property Damage"},null,{"$f":"'Step 2 NBIB Confidential'!G266","v":0},{"$f":"'Step 2 NBIB Confidential'!H266","v":0},{"$f":"'Step 2 NBIB Confidential'!I266","v":0},{"$f":"'Step 2 NBIB Confidential'!J266","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K266","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D267","v":"Direct Compensation - Property Damage"},null,{"$f":"'Step 2 NBIB Confidential'!G267","v":0},{"$f":"'Step 2 NBIB Confidential'!H267","v":0},{"$f":"'Step 2 NBIB Confidential'!I267","v":0},{"$f":"'Step 2 NBIB Confidential'!J267","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K267","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D268","v":"Accident Benefits"},null,{"$f":"'Step 2 NBIB Confidential'!G268","v":0},{"$f":"'Step 2 NBIB Confidential'!H268","v":0},{"$f":"'Step 2 NBIB Confidential'!I268","v":0},{"$f":"'Step 2 NBIB Confidential'!J268","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K268","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D269","v":"Uninsured Auto"},null,{"$f":"'Step 2 NBIB Confidential'!G269","v":0},{"$f":"'Step 2 NBIB Confidential'!H269","v":0},{"$f":"'Step 2 NBIB Confidential'!I269","v":0},{"$f":"'Step 2 NBIB Confidential'!J269","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K269","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D270","v":"Health Services Levy"},null,{"$f":"'Step 2 NBIB Confidential'!G270","v":0},{"$f":"'Step 2 NBIB Confidential'!H270","v":0},{"$f":"'Step 2 NBIB Confidential'!I270","v":0},{"$f":"'Step 2 NBIB Confidential'!J270","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K270","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D271","v":"Collision"},null,{"$f":"'Step 2 NBIB Confidential'!G271","v":0},{"$f":"'Step 2 NBIB Confidential'!H271","v":0},{"$f":"'Step 2 NBIB Confidential'!I271","v":0},{"$f":"'Step 2 NBIB Confidential'!J271","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K271","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D272","v":"Comprehensive"},null,{"$f":"'Step 2 NBIB Confidential'!G272","v":0},{"$f":"'Step 2 NBIB Confidential'!H272","v":0},{"$f":"'Step 2 NBIB Confidential'!I272","v":0},{"$f":"'Step 2 NBIB Confidential'!J272","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K272","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D273","v":"Specified Perils"},null,{"$f":"'Step 2 NBIB Confidential'!G273","v":0},{"$f":"'Step 2 NBIB Confidential'!H273","v":0},{"$f":"'Step 2 NBIB Confidential'!I273","v":0},{"$f":"'Step 2 NBIB Confidential'!J273","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K273","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D274","v":"All Perils"},null,{"$f":"'Step 2 NBIB Confidential'!G274","v":0},{"$f":"'Step 2 NBIB Confidential'!H274","v":0},{"$f":"'Step 2 NBIB Confidential'!I274","v":0},{"$f":"'Step 2 NBIB Confidential'!J274","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K274","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D275","v":"SEF 44"},null,{"$f":"'Step 2 NBIB Confidential'!G275","v":0},{"$f":"'Step 2 NBIB Confidential'!H275","v":0},{"$f":"'Step 2 NBIB Confidential'!I275","v":0},{"$f":"'Step 2 NBIB Confidential'!J275","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K275","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A259","v":"Has there been a change in the weighting since the prior filing?"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G259","v":"Yes"}]
[{"$f":"'Step 2 NBIB Confidential'!B260","v":0}]
[]
["4.b. Losses"]
[{"$f":"'Step 2 NBIB Confidential'!B278","v":"Are losses considered together with ALAE?"},null,null,{"$f":"'Step 2 NBIB Confidential'!H278","v":"Yes"},{"$f":"'Step 2 NBIB Confidential'!I278","v":"Has there been any change since prior filing?"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!N278","v":"No"}]
[{"$f":"'Step 2 NBIB Confidential'!B279","v":"If yes,  provide details on change and rationale:"},null,{"$f":"'Step 2 NBIB Confidential'!D279","v":0},null,null,null,null,null,null,null,null,null,null,null,"verify"]
[{"$f":"'Step 2 NBIB Confidential'!B280","v":"Select Data Type:"},{"$f":"'Step 2 NBIB Confidential'!D280","v":"Accident Year"},{"$f":"'Step 2 NBIB Confidential'!F280","v":"If \"Other\", Provide details"},null,{"$f":"'Step 2 NBIB Confidential'!J280","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B281","v":"Has there been any change since prior filing?"},null,{"$f":"'Step 2 NBIB Confidential'!E281","v":"No"},{"$f":"'Step 2 NBIB Confidential'!F281","v":"If yes, provide details on change and rationale"},null,null,{"$f":"'Step 2 NBIB Confidential'!H281","v":0},null,null,null,null,null,null,null,"verify"]
[{"$f":"'Step 2 NBIB Confidential'!A282","v":"Details"},{"$f":"'Step 2 NBIB Confidential'!B282","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A284","v":"Table 19 - Loss Experience/Source Table"}]
[null,{"$f":"'Step 2 NBIB Confidential'!D286","v":"Loss Development"},null,null,{"$f":"'Step 2 NBIB Confidential'!I286","v":"Loss Trends"}]
[null,{"$f":"'Step 2 NBIB Confidential'!D287","v":"Company"},{"$f":"'Step 2 NBIB Confidential'!F287","v":"Industry"},null,{"$f":"'Step 2 NBIB Confidential'!I287","v":"Company"},null,{"$f":"'Step 2 NBIB Confidential'!K287","v":"Industry"}]
[{"$f":"'Step 2 NBIB Confidential'!B288","v":"Data being relied on?"},{"$f":"'Step 2 NBIB Confidential'!D288","v":0},{"$f":"'Step 2 NBIB Confidential'!F288","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I288","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K288","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B289","v":"Experience Period"},{"$f":"'Step 2 NBIB Confidential'!D289","v":0},{"$f":"'Step 2 NBIB Confidential'!F289","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I289","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K289","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B290","v":"Valuation Dates"},{"$f":"'Step 2 NBIB Confidential'!D290","v":"00:00:00"},{"$f":"'Step 2 NBIB Confidential'!F290","v":"00:00:00"},null,{"$f":"'Step 2 NBIB Confidential'!I290","v":"00:00:00"},null,{"$f":"'Step 2 NBIB Confidential'!K290","v":"00:00:00"}]
[{"$f":"'Step 2 NBIB Confidential'!B291","v":"Source of Data"},{"$f":"'Step 2 NBIB Confidential'!D291","v":0},{"$f":"'Step 2 NBIB Confidential'!F291","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I291","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K291","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B293","v":"Loss Data: "},{"$f":"'Step 2 NBIB Confidential'!F293","v":"Gross"},{"$f":"'Step 2 NBIB Confidential'!H293","v":"of salvage and subrogation."},null,{"$f":"'Step 2 NBIB Confidential'!L293","v":"Is this a change from prior filing?"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!O293","v":"No"}]
[]
["Projection of Ultimate Losses"]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!B296","v":"Are the sections of the Report of Appointed Actuary included, which contains the New Brunswick information pertinent to this filing on an undiscounted basis? For example, if the New Brunswick Bodily Injury data is included as part of the Atlantic Canada Bodily Injury line of business in the Report of Appointed Actuary; provide the Atlantic Canada Bodily Injury section of the Report of Actuary."},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O296","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B301","v":"Has there been a change in the  general approach to loss development from prior filings?   "},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O301","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B303","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B304","v":"A rate change derived using the previous methodology must be provided for sensitivity purposes. "}]
[{"$f":"'Step 2 NBIB Confidential'!B305","v":0}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B824, Language!$A$513)","v":"Table 20 - Loss Development Factors Table"}]
[]
["Current Filing",null,null,null,null,null,null,"Copy from Prior Filing (FINAL)"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B515, Language!$A$515)","v":"Current "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B516, Language!$A$516)","v":"Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B517, Language!$A$517)","v":"2nd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B518, Language!$A$518)","v":"3rd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B519, Language!$A$519)","v":"4th Prior "},null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J515, Language!$A$515)","v":"Current "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J516, Language!$A$516)","v":"Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J517, Language!$A$517)","v":"2nd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J518, Language!$A$518)","v":"3rd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J519, Language!$A$519)","v":"4th Prior "}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B514, Language!$A$514)","v":"Coverage"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B520, Language!$A$520)","v":"Loss Development Factors"},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J514, Language!$A$514)","v":"Coverage"},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J520, Language!$A$520)","v":"Loss Development Factors"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B521, Language!$A$521)","v":"Bodily Injury"},{"$f":"'Step 2 NBIB Confidential'!F312","v":0},{"$f":"'Step 2 NBIB Confidential'!G312","v":0},{"$f":"'Step 2 NBIB Confidential'!H312","v":0},{"$f":"'Step 2 NBIB Confidential'!I312","v":0},{"$f":"'Step 2 NBIB Confidential'!J312","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J521, Language!$A$521)","v":"Bodily Injury"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B522, Language!$A$522)","v":"Property Damage"},{"$f":"'Step 2 NBIB Confidential'!F313","v":0},{"$f":"'Step 2 NBIB Confidential'!G313","v":0},{"$f":"'Step 2 NBIB Confidential'!H313","v":0},{"$f":"'Step 2 NBIB Confidential'!I313","v":0},{"$f":"'Step 2 NBIB Confidential'!J313","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J522, Language!$A$522)","v":"Property Damage"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B523, Language!$A$523)","v":"Direct Compensation- Property Damage"},{"$f":"'Step 2 NBIB Confidential'!F314","v":0},{"$f":"'Step 2 NBIB Confidential'!G314","v":0},{"$f":"'Step 2 NBIB Confidential'!H314","v":0},{"$f":"'Step 2 NBIB Confidential'!I314","v":0},{"$f":"'Step 2 NBIB Confidential'!J314","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J523, Language!$A$523)","v":"Direct Compensation- Property Damage"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B524, Language!$A$524)","v":"Accident Benefits"},{"$f":"'Step 2 NBIB Confidential'!F315","v":0},{"$f":"'Step 2 NBIB Confidential'!G315","v":0},{"$f":"'Step 2 NBIB Confidential'!H315","v":0},{"$f":"'Step 2 NBIB Confidential'!I315","v":0},{"$f":"'Step 2 NBIB Confidential'!J315","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J524, Language!$A$524)","v":"Accident Benefits"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B525, Language!$A$525)","v":"Funeral"},{"$f":"'Step 2 NBIB Confidential'!F316","v":0},{"$f":"'Step 2 NBIB Confidential'!G316","v":0},{"$f":"'Step 2 NBIB Confidential'!H316","v":0},{"$f":"'Step 2 NBIB Confidential'!I316","v":0},{"$f":"'Step 2 NBIB Confidential'!J316","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J525, Language!$A$525)","v":"Funeral"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B526, Language!$A$526)","v":"Death"},{"$f":"'Step 2 NBIB Confidential'!F317","v":0},{"$f":"'Step 2 NBIB Confidential'!G317","v":0},{"$f":"'Step 2 NBIB Confidential'!H317","v":0},{"$f":"'Step 2 NBIB Confidential'!I317","v":0},{"$f":"'Step 2 NBIB Confidential'!J317","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J526, Language!$A$526)","v":"Death"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B527, Language!$A$527)","v":"Medical"},{"$f":"'Step 2 NBIB Confidential'!F318","v":0},{"$f":"'Step 2 NBIB Confidential'!G318","v":0},{"$f":"'Step 2 NBIB Confidential'!H318","v":0},{"$f":"'Step 2 NBIB Confidential'!I318","v":0},{"$f":"'Step 2 NBIB Confidential'!J318","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J527, Language!$A$527)","v":"Medical"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B528, Language!$A$528)","v":"Disability"},{"$f":"'Step 2 NBIB Confidential'!F319","v":0},{"$f":"'Step 2 NBIB Confidential'!G319","v":0},{"$f":"'Step 2 NBIB Confidential'!H319","v":0},{"$f":"'Step 2 NBIB Confidential'!I319","v":0},{"$f":"'Step 2 NBIB Confidential'!J319","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J528, Language!$A$528)","v":"Disability"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B529, Language!$A$529)","v":"Uninsured"},{"$f":"'Step 2 NBIB Confidential'!F320","v":0},{"$f":"'Step 2 NBIB Confidential'!G320","v":0},{"$f":"'Step 2 NBIB Confidential'!H320","v":0},{"$f":"'Step 2 NBIB Confidential'!I320","v":0},{"$f":"'Step 2 NBIB Confidential'!J320","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J529, Language!$A$529)","v":"Uninsured"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B530, Language!$A$530)","v":"Collision"},{"$f":"'Step 2 NBIB Confidential'!F321","v":0},{"$f":"'Step 2 NBIB Confidential'!G321","v":0},{"$f":"'Step 2 NBIB Confidential'!H321","v":0},{"$f":"'Step 2 NBIB Confidential'!I321","v":0},{"$f":"'Step 2 NBIB Confidential'!J321","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J530, Language!$A$530)","v":"Collision"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B531, Language!$A$531)","v":"Comprehensive"},{"$f":"'Step 2 NBIB Confidential'!F322","v":0},{"$f":"'Step 2 NBIB Confidential'!G322","v":0},{"$f":"'Step 2 NBIB Confidential'!H322","v":0},{"$f":"'Step 2 NBIB Confidential'!I322","v":0},{"$f":"'Step 2 NBIB Confidential'!J322","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J531, Language!$A$531)","v":"Comprehensive"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B532, Language!$A$532)","v":"Specified Perils"},{"$f":"'Step 2 NBIB Confidential'!F323","v":0},{"$f":"'Step 2 NBIB Confidential'!G323","v":0},{"$f":"'Step 2 NBIB Confidential'!H323","v":0},{"$f":"'Step 2 NBIB Confidential'!I323","v":0},{"$f":"'Step 2 NBIB Confidential'!J323","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J532, Language!$A$532)","v":"Specified Perils"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B533, Language!$A$533)","v":"All Perils"},{"$f":"'Step 2 NBIB Confidential'!F324","v":0},{"$f":"'Step 2 NBIB Confidential'!G324","v":0},{"$f":"'Step 2 NBIB Confidential'!H324","v":0},{"$f":"'Step 2 NBIB Confidential'!I324","v":0},{"$f":"'Step 2 NBIB Confidential'!J324","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J533, Language!$A$533)","v":"All Perils"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B534, Language!$A$534)","v":"SEF 44"},{"$f":"'Step 2 NBIB Confidential'!F325","v":0},{"$f":"'Step 2 NBIB Confidential'!G325","v":0},{"$f":"'Step 2 NBIB Confidential'!H325","v":0},{"$f":"'Step 2 NBIB Confidential'!I325","v":0},{"$f":"'Step 2 NBIB Confidential'!J325","v":0},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J534, Language!$A$534)","v":"SEF 44"}]
[]
["Comparison of  prior selections/basis",null,null,"If any changes, provide details here"]
["Is the current selection basis consistent with prior filing?"]
["Is current based on GISA factors? "]
[]
["Table 13 Ultimate Incurred Losses"]
[]
["Current Filing",null,null,null,null,null,null,"Copy from Prior Filing (FINAL)"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B537, Language!$A$515)","v":"Current "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B538, Language!$A$516)","v":"Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B539, Language!$A$517)","v":"2nd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B541, Language!$A$518)","v":"3rd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B542, Language!$A$519)","v":"4th Prior "},null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J537, Language!$A$515)","v":"Current "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J538, Language!$A$516)","v":"Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J539, Language!$A$517)","v":"2nd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J541, Language!$A$518)","v":"3rd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J542, Language!$A$519)","v":"4th Prior "}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B536, Language!$A$514)","v":"Coverage"},"Current Filing 5 Year Untilmate Incurred Lossed",null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J536, Language!$A$514)","v":"Coverage"},null,"Prior 5 Year Untilmate Incurred Losses"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B544, Language!$A$521)","v":"Bodily Injury"},{"$f":"'Step 2 NBIB Confidential'!F332","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J544, Language!$A$521)","v":"Bodily Injury"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B545, Language!$A$522)","v":"Property Damage"},{"$f":"'Step 2 NBIB Confidential'!F333","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J545, Language!$A$522)","v":"Property Damage"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B546, Language!$A$523)","v":"Direct Compensation- Property Damage"},{"$f":"'Step 2 NBIB Confidential'!F334","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J546, Language!$A$523)","v":"Direct Compensation- Property Damage"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B547, Language!$A$524)","v":"Accident Benefits"},{"$f":"'Step 2 NBIB Confidential'!F335","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J547, Language!$A$524)","v":"Accident Benefits"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B548, Language!$A$525)","v":"Funeral"},{"$f":"'Step 2 NBIB Confidential'!F336","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J548, Language!$A$525)","v":"Funeral"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B549, Language!$A$526)","v":"Death"},{"$f":"'Step 2 NBIB Confidential'!F337","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J549, Language!$A$526)","v":"Death"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B550, Language!$A$527)","v":"Medical"},{"$f":"'Step 2 NBIB Confidential'!F338","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J550, Language!$A$527)","v":"Medical"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B551, Language!$A$528)","v":"Disability"},{"$f":"'Step 2 NBIB Confidential'!F339","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J551, Language!$A$528)","v":"Disability"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B552, Language!$A$529)","v":"Uninsured"},{"$f":"'Step 2 NBIB Confidential'!F340","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J552, Language!$A$529)","v":"Uninsured"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B553, Language!$A$530)","v":"Collision"},{"$f":"'Step 2 NBIB Confidential'!F341","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J553, Language!$A$530)","v":"Collision"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B554, Language!$A$531)","v":"Comprehensive"},{"$f":"'Step 2 NBIB Confidential'!F342","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J554, Language!$A$531)","v":"Comprehensive"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B555, Language!$A$532)","v":"Specified Perils"},{"$f":"'Step 2 NBIB Confidential'!F343","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J555, Language!$A$532)","v":"Specified Perils"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B556, Language!$A$533)","v":"All Perils"},{"$f":"'Step 2 NBIB Confidential'!F344","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J556, Language!$A$533)","v":"All Perils"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B557, Language!$A$534)","v":"SEF 44"},{"$f":"'Step 2 NBIB Confidential'!F345","v":0},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!J557, Language!$A$534)","v":"SEF 44"}]
[]
[]
[]
[]
[]
["Long Tailed Lines","A long-tail liability is a type of liability that carries a long settlement period.",null,null,null,null,"BI,AB"]
["Short Tailed Lines","A long-tail liability is a type of liability that carries a long settlement period.",null,null,null,null,"PD,DCPD,Coll, Comp, SP and AP"]
[]
["Loss Trend"]
[{"$f":"'Step 2 NBIB Confidential'!B352","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? "},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L352","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B353","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B354","v":"A rate change derived using the previous methodology must be provided for sensitivity purposes. "}]
[{"$f":"'Step 2 NBIB Confidential'!B368","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A377","v":"Table 21 - Annual Trends Table"}]
[]
["Prior Filing",{"$f":"B619","v":"Bodily Injury"},"Property Damage","Direct Compensation- Property Damage","Accident Benefits","Uninsured","Health Services Levy","Collision","Comprehensive","Specified Perils","All Perils","SEF 44"]
[{"$f":"A620","v":"Historical Loss Cost Trend"},{"$f":"'Step 2 NBIB Confidential'!D369","v":0},{"$f":"'Step 2 NBIB Confidential'!E369","v":0},{"$f":"'Step 2 NBIB Confidential'!F369","v":0},{"$f":"'Step 2 NBIB Confidential'!H369","v":0},{"$f":"'Step 2 NBIB Confidential'!I369","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K369","v":0},{"$f":"'Step 2 NBIB Confidential'!L369","v":0},{"$f":"'Step 2 NBIB Confidential'!M369","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O369","v":0}]
["Future Loss Cost Trend",{"$f":"'Step 2 NBIB Confidential'!D370","v":0},{"$f":"'Step 2 NBIB Confidential'!E370","v":0},{"$f":"'Step 2 NBIB Confidential'!F370","v":0},{"$f":"'Step 2 NBIB Confidential'!H370","v":0},{"$f":"'Step 2 NBIB Confidential'!I370","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K370","v":0},{"$f":"'Step 2 NBIB Confidential'!L370","v":0},{"$f":"'Step 2 NBIB Confidential'!M370","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O370","v":0}]
["Historical Frequency Trend",{"$f":"'Step 2 NBIB Confidential'!D371","v":0},{"$f":"'Step 2 NBIB Confidential'!E371","v":0},{"$f":"'Step 2 NBIB Confidential'!F371","v":0},{"$f":"'Step 2 NBIB Confidential'!H371","v":0},{"$f":"'Step 2 NBIB Confidential'!I371","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K371","v":0},{"$f":"'Step 2 NBIB Confidential'!L371","v":0},{"$f":"'Step 2 NBIB Confidential'!M371","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O371","v":0}]
["Future Frequency Trend",{"$f":"'Step 2 NBIB Confidential'!D372","v":0},{"$f":"'Step 2 NBIB Confidential'!E372","v":0},{"$f":"'Step 2 NBIB Confidential'!F372","v":0},{"$f":"'Step 2 NBIB Confidential'!H372","v":0},{"$f":"'Step 2 NBIB Confidential'!I372","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K372","v":0},{"$f":"'Step 2 NBIB Confidential'!L372","v":0},{"$f":"'Step 2 NBIB Confidential'!M372","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O372","v":0}]
["Historical Severity Trend",{"$f":"'Step 2 NBIB Confidential'!D373","v":0},{"$f":"'Step 2 NBIB Confidential'!E373","v":0},{"$f":"'Step 2 NBIB Confidential'!F373","v":0},{"$f":"'Step 2 NBIB Confidential'!H373","v":0},{"$f":"'Step 2 NBIB Confidential'!I373","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K373","v":0},{"$f":"'Step 2 NBIB Confidential'!L373","v":0},{"$f":"'Step 2 NBIB Confidential'!M373","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O373","v":0}]
["Future Severity Trend",{"$f":"'Step 2 NBIB Confidential'!D374","v":0},{"$f":"'Step 2 NBIB Confidential'!E374","v":0},{"$f":"'Step 2 NBIB Confidential'!F374","v":0},{"$f":"'Step 2 NBIB Confidential'!H374","v":0},{"$f":"'Step 2 NBIB Confidential'!I374","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K374","v":0},{"$f":"'Step 2 NBIB Confidential'!L374","v":0},{"$f":"'Step 2 NBIB Confidential'!M374","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O374","v":0}]
["Premium Trend",{"$f":"'Step 2 NBIB Confidential'!D375","v":0},{"$f":"'Step 2 NBIB Confidential'!E375","v":0},{"$f":"'Step 2 NBIB Confidential'!F375","v":0},{"$f":"'Step 2 NBIB Confidential'!H375","v":0},{"$f":"'Step 2 NBIB Confidential'!I375","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K375","v":0},{"$f":"'Step 2 NBIB Confidential'!L375","v":0},{"$f":"'Step 2 NBIB Confidential'!M375","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O375","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A358","v":"Table 22 Loss Trends Source Table"}]
[{"$f":"'Step 2 NBIB Confidential'!B360","v":"Source of Data:"},{"$f":"'Step 2 NBIB Confidential'!I360","v":0},null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!N360","v":"00:00:00"},null,"Same as prior years?",null,null,null,"verify"]
[{"$f":"'Step 2 NBIB Confidential'!B361","v":"What date has been used to distinguish between past and future trend?"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!I361","v":"00:00:00"}]
[{"$f":"'Step 2 NBIB Confidential'!B362","v":"Provided the date to which past trend is applied."},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!I362","v":"00:00:00"},null,null,null,null,null,"compare to previous"]
[{"$f":"'Step 2 NBIB Confidential'!B363","v":"Provide the date to which the future trend is applied."},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!I363","v":"00:00:00"}]
[{"$f":"'Step 2 NBIB Confidential'!B364","v":"Has the basis of selection changed from the prior filing? Examples - Different model, different time period?"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!I364","v":0},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},null,null,null,"check with company"]
["In regard to extreme data points/outliers was there any outlier test was used in the trend analyst? ",null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!I365","v":0},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"},{"$f":"'Step 2 NBIB Confidential'!K365","v":0},null,null,null,"check with company"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
[]
["Proposed",{"$f":"'Step 2 NBIB Confidential'!D379","v":"Bodily Injury"},{"$f":"'Step 2 NBIB Confidential'!E379","v":"Property Damage"},{"$f":"'Step 2 NBIB Confidential'!F379","v":"Direct Compensation- Property Damage"},{"$f":"'Step 2 NBIB Confidential'!H379","v":"Accident Benefits"},{"$f":"'Step 2 NBIB Confidential'!I379","v":"Uninsured"},{"$f":"'Step 2 NBIB Confidential'!J379","v":"Health Services Levy"},{"$f":"'Step 2 NBIB Confidential'!K379","v":"Collision"},{"$f":"'Step 2 NBIB Confidential'!L379","v":"Comprehensive"},{"$f":"'Step 2 NBIB Confidential'!M379","v":"Specified Perils"},{"$f":"'Step 2 NBIB Confidential'!N379","v":"All Perils"},{"$f":"'Step 2 NBIB Confidential'!O379","v":"SEF 44"},"Board Decision Points"]
[{"$f":"'Step 2 NBIB Confidential'!A380","v":"Historical Loss Cost Trend"},{"$f":"'Step 2 NBIB Confidential'!D380","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E380","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F380","v":0.03},{"$f":"'Step 2 NBIB Confidential'!H380","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I380","v":0.06},null,{"$f":"'Step 2 NBIB Confidential'!K369","v":0},{"$f":"'Step 2 NBIB Confidential'!L380","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M380","v":0.01},null,{"$f":"'Step 2 NBIB Confidential'!O380","v":0.03}]
[{"$f":"'Step 2 NBIB Confidential'!A381","v":"Future Loss Cost Trend"},{"$f":"'Step 2 NBIB Confidential'!D381","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E381","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F381","v":0.03},{"$f":"'Step 2 NBIB Confidential'!H381","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I381","v":0.06},null,{"$f":"'Step 2 NBIB Confidential'!K370","v":0},{"$f":"'Step 2 NBIB Confidential'!L381","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M381","v":0.01},null,{"$f":"'Step 2 NBIB Confidential'!O381","v":0.03}]
[{"$f":"'Step 2 NBIB Confidential'!A382","v":"Historical Frequency Trend"},{"$f":"'Step 2 NBIB Confidential'!D382","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E382","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F382","v":0.03},{"$f":"'Step 2 NBIB Confidential'!H382","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I382","v":0.06},null,{"$f":"'Step 2 NBIB Confidential'!K371","v":0},{"$f":"'Step 2 NBIB Confidential'!L382","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M382","v":0.01},null,{"$f":"'Step 2 NBIB Confidential'!O382","v":0.03}]
[{"$f":"'Step 2 NBIB Confidential'!A383","v":"Future Frequency Trend"},{"$f":"'Step 2 NBIB Confidential'!D383","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E383","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F383","v":0.03},{"$f":"'Step 2 NBIB Confidential'!H383","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I383","v":0.06},null,{"$f":"'Step 2 NBIB Confidential'!K372","v":0},{"$f":"'Step 2 NBIB Confidential'!L383","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M383","v":0.01},null,{"$f":"'Step 2 NBIB Confidential'!O383","v":0.03}]
[{"$f":"'Step 2 NBIB Confidential'!A384","v":"Historical Severity Trend"},{"$f":"'Step 2 NBIB Confidential'!D384","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E384","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F384","v":0.03},{"$f":"'Step 2 NBIB Confidential'!H384","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I384","v":0.06},null,{"$f":"'Step 2 NBIB Confidential'!K373","v":0},{"$f":"'Step 2 NBIB Confidential'!L384","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M384","v":0.01},null,{"$f":"'Step 2 NBIB Confidential'!O384","v":0.03}]
[{"$f":"'Step 2 NBIB Confidential'!A385","v":"Future Severity Trend"},{"$f":"'Step 2 NBIB Confidential'!D385","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E385","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F385","v":0.03},{"$f":"'Step 2 NBIB Confidential'!H385","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I385","v":0.06},null,{"$f":"'Step 2 NBIB Confidential'!K374","v":0},{"$f":"'Step 2 NBIB Confidential'!L385","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M385","v":0.01},null,{"$f":"'Step 2 NBIB Confidential'!O385","v":0.03}]
[{"$f":"'Step 2 NBIB Confidential'!A386","v":"Premium Trend"},{"$f":"'Step 2 NBIB Confidential'!D386","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E386","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F386","v":0.03},{"$f":"'Step 2 NBIB Confidential'!H386","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I386","v":0.06},null,{"$f":"'Step 2 NBIB Confidential'!K375","v":0},{"$f":"'Step 2 NBIB Confidential'!L386","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M386","v":0.01},null,{"$f":"'Step 2 NBIB Confidential'!O386","v":0.03}]
[]
["TRENDS Rules of Thumb",null,"R2 the closer the value is to 100, the better it is"]
[]
["Analysis of Trend Selection"]
["Bodily Injury ","Indication",{"$f":"'Step 2 NBIB Confidential'!F388","v":0},"Selection",{"$f":"'Step 2 NBIB Confidential'!I388","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"'Step 2 NBIB Confidential'!A390","v":0},null,{"$f":"'Step 2 NBIB Confidential'!C390","v":0},null,{"$f":"'Step 2 NBIB Confidential'!E390","v":0},null,{"$f":"'Step 2 NBIB Confidential'!G390","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I390","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K390","v":0},null,{"$f":"'Step 2 NBIB Confidential'!M390","v":0}]
["R2",{"$f":"'Step 2 NBIB Confidential'!B391","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!D391","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!F391","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!H391","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!J391","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!L391","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!N391","v":0}," "]
["Experience Period",{"$f":"'Step 2 NBIB Confidential'!B392","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!D392","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!F392","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!H392","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!J392","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!L392","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!N392","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A394","v":"Property Damage"},"Indication",{"$f":"'Step 2 NBIB Confidential'!F394","v":0},"Selection",{"$f":"'Step 2 NBIB Confidential'!I394","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"'Step 2 NBIB Confidential'!A396","v":0},null,{"$f":"'Step 2 NBIB Confidential'!C396","v":0},null,{"$f":"'Step 2 NBIB Confidential'!E396","v":0},null,{"$f":"'Step 2 NBIB Confidential'!G396","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I396","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K396","v":0},null,{"$f":"'Step 2 NBIB Confidential'!M396","v":0}]
["R2",{"$f":"'Step 2 NBIB Confidential'!B397","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!D397","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!F397","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!H397","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!J397","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!L397","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!N397","v":0}]
["Trend Period",{"$f":"'Step 2 NBIB Confidential'!B398","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!D398","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!F398","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!H398","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!J398","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!L398","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!N398","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A400","v":"Direct Compensation - Propery Damage"},"Indication",{"$f":"'Step 2 NBIB Confidential'!F400","v":0},"Selection",{"$f":"'Step 2 NBIB Confidential'!I400","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"D620","v":0.03},null,{"$f":"D621","v":0.03},null,{"$f":"D622","v":0.03},null,{"$f":"D623","v":0.03},null,{"$f":"D624","v":0.03},null,{"$f":"D625","v":0.03},null,{"$f":"D626","v":0.03}]
["R2",{"$f":"'Step 2 NBIB Confidential'!B403","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!D403","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!F403","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!H403","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!J403","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!N403","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!N403","v":0}]
["Trend Period",{"$f":"'Step 2 NBIB Confidential'!B404","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!D404","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!F404","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!H404","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!J404","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!N404","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!N404","v":0}]
[]
["AB","Indication",{"$f":"'Step 2 NBIB Confidential'!F406","v":0},"Selection",{"$f":"'Step 2 NBIB Confidential'!I406","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"E620","v":0.05},null,{"$f":"E621","v":0.05},null,{"$f":"E622","v":0.05},null,{"$f":"E623","v":0.05},null,{"$f":"E624","v":0.05},null,{"$f":"E625","v":0.05},null,{"$f":"E626","v":0.05}]
["R2",{"$f":"'Step 2 NBIB Confidential'!B409","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!D409","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!F409","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!H409","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!J409","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!L409","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!N409","v":0}]
["Trend Period",{"$f":"'Step 2 NBIB Confidential'!B410","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!D410","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!F410","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!H410","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!J410","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!L410","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!N410","v":0}]
[]
["Uninsured Auto","Indication",{"$f":"'Step 2 NBIB Confidential'!F412","v":0},"Selection",{"$f":"'Step 2 NBIB Confidential'!I412","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"F620","v":0.06},null,{"$f":"F621","v":0.06},null,{"$f":"F622","v":0.06},null,{"$f":"F623","v":0.06},null,{"$f":"F624","v":0.06},null,{"$f":"F625","v":0.06},null,{"$f":"F626","v":0.06}]
["R2",{"$f":"'Step 2 NBIB Confidential'!B415","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!D415","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!F415","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!H415","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!J415","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!L415","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!N415","v":0}]
["Trend Period",{"$f":"'Step 2 NBIB Confidential'!B416","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!D416","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!F416","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!H416","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!J416","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!L416","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!N416","v":0}]
[]
["Collision","Indication",null,"Selection"]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"H620","v":0},null,{"$f":"H621","v":0},null,{"$f":"H622","v":0},null,{"$f":"H623","v":0},null,{"$f":"H624","v":0},null,{"$f":"H625","v":0},null,{"$f":"H626","v":0}]
["R2",{"$f":"'Step 2 NBIB Confidential'!B421","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!D421","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!F421","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!H421","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!J421","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!L421","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!N421","v":0}]
["Trend Period",{"$f":"'Step 2 NBIB Confidential'!B422","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!D422","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!F422","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!H422","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!J422","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!L422","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!N422","v":0}]
[]
["Comprehensive","Indication",null,"Selection",null,null,null,null,null,null,null,null,null,null,"need graphs"]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"I620","v":0.09},null,{"$f":"I621","v":0.09},null,{"$f":"J622","v":0.01},null,{"$f":"J623","v":0.01},null,{"$f":"J624","v":0.01},null,{"$f":"J625","v":0.01},null,{"$f":"J626","v":0.01}]
["R2",{"$f":"'Step 2 NBIB Confidential'!B427","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!D427","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!F427","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!H427","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!J427","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!L427","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!N427","v":0}]
["Trend Period",{"$f":"'Step 2 NBIB Confidential'!B428","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!D428","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!F428","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!H428","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!J428","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!L428","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!N428","v":0}]
[]
["Underinsured Motorist","Indication",null,"Selection"]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"L620","v":0.03},null,{"$f":"L621","v":0.03},null,{"$f":"L622","v":0.03},null,{"$f":"L623","v":0.03},null,{"$f":"L624","v":0.03},null,{"$f":"L625","v":0.03},null,{"$f":"L626","v":0.03}]
["R2",{"$f":"'Step 2 NBIB Confidential'!B433","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!D433","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!F433","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!H433","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!J433","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!L433","v":0},"R2",{"$f":"'Step 2 NBIB Confidential'!N433","v":0}]
["Trend Period",{"$f":"'Step 2 NBIB Confidential'!B434","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!D434","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!F434","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!H434","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!J434","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!L434","v":0},"Trend Period",{"$f":"'Step 2 NBIB Confidential'!N434","v":0}]
[]
["Does the data fit the model well?"]
["Are the R2 reasonable? "]
["Are P values used and what do they tell us?"]
["Are there separate trends for Severity and Frequency  for all coverages?",null,null,null,"Was there separate Severity and frequency for some coverages? If yes, identify the coverage's below."]
["Coverages"]
["Has the basis of selection changed  from the prior filing? Different model, different time period?",null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!I377","v":0},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"},{"$f":"'Step 2 NBIB Confidential'!K377","v":0}]
["In regard to extreme data points/outliers was there any outlier test was used in the trend analyst? ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!I378","v":0}]
["If not how were the outliers determined?"]
["Does the selection makes sense based on the factors presented in the filing?"]
[]
["Treatment of Large Losses"]
[{"$f":"'Step 2 NBIB Confidential'!B437","v":"Are Large Losses capped?"},null,{"$f":"'Step 2 NBIB Confidential'!G437","v":0},{"$f":"'Step 2 NBIB Confidential'!H437","v":"At what amount?"},null,{"$f":"'Step 2 NBIB Confidential'!N437","v":0},null,"Has there been a change from prior filing?",null,null,null,null,null,null,"verify/link"]
[]
["Catastrophe (or Excess Claim) Procedure",null,"\tNote: The province of New Brunswick is rarely impacted by catastrophes affecting automobile insurance claims.  The NBIB does not expect that there should be a loading for this."]
[{"$f":"'Step 2 NBIB Confidential'!B441","v":"CAT Loading"},null,{"$f":"'Step 2 NBIB Confidential'!E441","v":0},{"$f":"'Step 2 NBIB Confidential'!F441","v":"Amount"},null,{"$f":"'Step 2 NBIB Confidential'!O441","v":0},null,"Has there been a change from prior filing?",null,null,null,null,null,null,"verify/link"]
["Comment"]
[]
["Other Adjustments"]
[{"$f":"'Step 2 NBIB Confidential'!B445","v":"MIR"},{"$f":"'Step 2 NBIB Confidential'!C445","v":0},"Details:",{"$f":"'Step 2 NBIB Confidential'!I441","v":0},null,null,null,null,null,"Has there been a change since prior filing?",null,null,null,null,"details and verify"]
[{"$f":"'Step 2 NBIB Confidential'!B446","v":"Other:"},{"$f":"'Step 2 NBIB Confidential'!C446","v":0},"Details:",{"$f":"'Step 2 NBIB Confidential'!E446","v":0},null,null,null,null,null,"Has there been a change since prior filing?"]
[]
["4.c. Allocated Loss Adjustment Expenses (ALAE)"]
[{"$f":"'Step 2 NBIB Confidential'!B449","v":"Are allocated loss adjustment expenses included with incurred losses?"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!H449","v":0},null,null,null,null,null,null,"Ratio",null,null,"complete"]
[]
["4.d. Unallocated Loss Adjustment Expenses (ULAE)"]
["Factor",null,"Details:",null,null,null,null,null,null,null,null,null,null,null,"complete"]
[{"$f":"'Step 2 NBIB Confidential'!B453","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? "},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!I453","v":0}]
["Prior year factor",null,{"$f":"C704","v":"Details:"},null,null,null,null,null,null,null,null,null,null,null,"complete"]
[]
["4.e. Premium"]
[{"$f":"'Step 2 NBIB Confidential'!B458","v":"Experience Period"},{"$f":"'Step 2 NBIB Confidential'!D458","v":0},{"$f":"'Step 2 NBIB Confidential'!H458","v":"Source of Premium Data"},null,null,{"$f":"'Step 2 NBIB Confidential'!J458","v":0},null,"Has there been a change since prior filing?",null,null,null,null,null,null,"verify"]
[]
["On-level Adjustments"]
[{"$f":"'Step 2 NBIB Confidential'!B464","v":" Are  on-level adjustments  made by means of a factor approach (e.g., parallelogram)? "},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!H464","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B465","v":"Are on-level adjustments made by means of calculating premiums at present rates through computer re-rating of policies (i.e. extension of exposures)? If yes, a description of the process should be provided with a comparison of the results to the results obtained using the parallelogram method.  Any significant difference should be explained."},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O465","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B466","v":0}]
[]
["Premium Trend"]
[{"$f":"'Step 2 NBIB Confidential'!B498","v":"Is there a consideration for Premium Trend included in this filing?"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G498","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B499","v":0}]
[]
[]
["Other Adjustments"]
["Finance Fees"]
[{"$f":"'Step 2 NBIB Confidential'!B503","v":"Does your company offer premium financing options to policyholders?"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!H503","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B504","v":"Does your company receive additional revenue from premium financing options (either directly or as a result of facilitating the financing option)?"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O504","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B509","v":0}]
[]
["Table 27 - Revenues from Premium Financing Arrangements "]
[]
[null,null,null,null,"Estimated Historical Annual Additional Revenue (Dollar)",null,null,"Estimated Historical Annual Additional Revenue (% of total written premium)"]
["Type of Arrangement",null,"Expected Policyholder Take-Up (% of total)",null,"Most Recent","First Prior","Second Prior","Most Recent","First Prior","Second Prior",null,null,null,null,"ask company to complete"]
["e.g. Monthly Pay Plan",null,{"$f":"'Step 2 NBIB Confidential'!D516","v":0},null,{"$f":"'Step 2 NBIB Confidential'!F516","v":0},{"$f":"'Step 2 NBIB Confidential'!G516","v":0},{"$f":"'Step 2 NBIB Confidential'!H516","v":0},{"$f":"'Step 2 NBIB Confidential'!I516","v":0},{"$f":"'Step 2 NBIB Confidential'!J516","v":0},{"$f":"'Step 2 NBIB Confidential'!K516","v":0}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!D517","v":0},null,{"$f":"'Step 2 NBIB Confidential'!F517","v":0},{"$f":"'Step 2 NBIB Confidential'!G517","v":0},{"$f":"'Step 2 NBIB Confidential'!H517","v":0},{"$f":"'Step 2 NBIB Confidential'!I517","v":0},{"$f":"'Step 2 NBIB Confidential'!J517","v":0},{"$f":"'Step 2 NBIB Confidential'!K517","v":0}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!D518","v":0},null,{"$f":"'Step 2 NBIB Confidential'!F518","v":0},{"$f":"'Step 2 NBIB Confidential'!G518","v":0},{"$f":"'Step 2 NBIB Confidential'!H518","v":0},{"$f":"'Step 2 NBIB Confidential'!I518","v":0},{"$f":"'Step 2 NBIB Confidential'!J518","v":0},{"$f":"'Step 2 NBIB Confidential'!K518","v":0}]
["Total",null,{"$f":"'Step 2 NBIB Confidential'!D519","v":0},null,{"$f":"'Step 2 NBIB Confidential'!F519","v":0},{"$f":"'Step 2 NBIB Confidential'!G519","v":0},{"$f":"'Step 2 NBIB Confidential'!H519","v":0},{"$f":"'Step 2 NBIB Confidential'!I519","v":0},{"$f":"'Step 2 NBIB Confidential'!J519","v":0},{"$f":"'Step 2 NBIB Confidential'!K519","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B521","v":"Are the additional revenue associated with premium financing explicitely recognized in the derivation of the rate indications?"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!K521","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B522","v":"If yes:"},{"$f":"'Step 2 NBIB Confidential'!C522","v":"are finance fee revenues included as an additional percentage of premiums"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!F522","v":0},{"$f":"'Step 2 NBIB Confidential'!G522","v":"or"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!I522","v":"a reduction to the expense provision"},null,null,{"$f":"'Step 2 NBIB Confidential'!M522","v":0}]
[{"$f":"'[5]Step 2 NBIB Confidential'!B530","v":"If no, please explain."},{"$f":"'Step 2 NBIB Confidential'!B524","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B525","v":"In this filing, are premium payment patterns adjusted for policies with premium instalment plans?"},null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!J525","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B526","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B527","v":"Are there any other adjustments to the premium ?  "},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!H527","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B528","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,"details"]
[]
["4.f. Other Expenses"]
[{"$f":"'Step 2 NBIB Confidential'!B543","v":"Is there an expense provision established in respect of the Facility Association Residual Market?   "},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!J543","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B544","v":"Is the Risk Sharing Pool treated as direct business and therefore reflected in the direct loss and premium data."},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!K544","v":0}]
[]
["Table 28- Additional Expenses (i.e., not already included in Other General Expenses) from Premium Financing Arrangements "]
[]
[null,null,null,null,"Estimated Historical Annual Additional Expenses (Dollar)",null,null,"Estimated Historical Annual Additional Expenses (% of total written premium)"]
["Type of Arrangement",null,"Type of expense",null,{"$f":"'Step 2 NBIB Confidential'!F533","v":0},{"$f":"'Step 2 NBIB Confidential'!G533","v":0},{"$f":"'Step 2 NBIB Confidential'!H533","v":0},{"$f":"'Step 2 NBIB Confidential'!I533","v":0},{"$f":"'Step 2 NBIB Confidential'!J533","v":0},{"$f":"'Step 2 NBIB Confidential'!K533","v":0}]
[{"$f":"'[5]Step 2 NBIB Confidential'!B559","v":"e.g. Monthly Pay Plan"},null,{"$f":"'Step 2 NBIB Confidential'!D535","v":0},null,{"$f":"'Step 2 NBIB Confidential'!F535","v":0},{"$f":"'Step 2 NBIB Confidential'!G535","v":0},{"$f":"'Step 2 NBIB Confidential'!H535","v":0},{"$f":"'Step 2 NBIB Confidential'!I535","v":0},{"$f":"'Step 2 NBIB Confidential'!J535","v":0},{"$f":"'Step 2 NBIB Confidential'!K535","v":0}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!D536","v":0},null,{"$f":"'Step 2 NBIB Confidential'!F536","v":0},{"$f":"'Step 2 NBIB Confidential'!G536","v":0},{"$f":"'Step 2 NBIB Confidential'!H536","v":0},{"$f":"'Step 2 NBIB Confidential'!I536","v":0},{"$f":"'Step 2 NBIB Confidential'!J536","v":0},{"$f":"'Step 2 NBIB Confidential'!K536","v":0},null,null,null,null,"complete"]
[null,null,{"$f":"'Step 2 NBIB Confidential'!D537","v":0},null,{"$f":"'Step 2 NBIB Confidential'!F537","v":0},{"$f":"'Step 2 NBIB Confidential'!G537","v":0},{"$f":"'Step 2 NBIB Confidential'!H537","v":0},{"$f":"'Step 2 NBIB Confidential'!I537","v":0},{"$f":"'Step 2 NBIB Confidential'!J537","v":0},{"$f":"'Step 2 NBIB Confidential'!K537","v":0},null,null,null,null,null," "]
[{"$f":"'Step 2 NBIB Confidential'!B539","v":"Are the additional expenses associated with premium financing explicitely recognized in the derivation of the rate indications?"},null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!K539","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B540","v":0}]
[]
["Exposure Variable Expenses (Fixed)"]
[{"$f":"'Step 2 NBIB Confidential'!B547","v":" Are there some expenses that are expected to vary in relationship to the number of units insured (exposures) rather than in relationship to the premium volume?"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L547","v":0},"factor",null,"Same as prior years?",null,null,"verify"]
[{"$f":"'Step 2 NBIB Confidential'!B548","v":0}]
["What was the PRIOR Exposure Variable? Based on prior filing",null,null,"%","Details",null,null,null,null,null,null,null,null,null,"complete"]
[]
["Premium Variable Expenses (Variable)"]
[{"$f":"'Step 2 NBIB Confidential'!B551","v":" Are there some expenses that are expected to vary in relationship to the premium volume rather than in relationship to the number of units insured?"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L551","v":0},"factor",null,"Same as prior years?",null,null,"complete"]
[{"$f":"'Step 2 NBIB Confidential'!B552","v":0}]
["What was the PRIOR Premium Variable? Based on prior filing",null,null,null,"Details",null,null,null,null,null,null,null,null,null,"complete"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A554","v":"Table 24 - Expense Table"}]
["Expenses",null,"Proposed","Industry Average","Year","Company Previous"]
["Regular Commission ",null,{"$f":"'Step 2 NBIB Confidential'!G558","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!H558","v":0},"need to look up industry average from Assumption Chart",null,null,null,null,null,null,null,"need industry average  and company previous"]
["Contingent Commission",null,{"$f":"'Step 2 NBIB Confidential'!G559","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!H559","v":0}]
["Premium Taxes",null,{"$f":"'Step 2 NBIB Confidential'!G560","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!H560","v":0}]
["Other General Expenses (Excluding Health Services Levy)",null,{"$f":"'Step 2 NBIB Confidential'!G561","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!H561","v":0}]
["ULAE as % of Premiums",null,{"$f":"'Step 2 NBIB Confidential'!G562","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!H562","v":0}]
["Total Expenses (Excluding Health Services Levy) as % of Premium",null,{"$f":"'Step 2 NBIB Confidential'!G563","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!H563","v":0}]
["Health Services Levy as % of TPL and AB Premiums",null,{"$f":"'Step 2 NBIB Confidential'!G564","v":0},null,null,{"$f":"'Step 2 NBIB Confidential'!H564","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!L556","v":" If any cells in table 24 are left blank, provide reason here:"}]
[{"$f":"'Step 2 NBIB Confidential'!J558","v":0}]
[]
["Expenses:"]
["Are expenses within a range of reasonableness?",null,null,null,"Board Decision Point"]
["Has there been a significant change since prior filing?"]
["History - Has there been any significant changes over the prior years?"]
[]
["4.g. Profit Provisions"]
[]
["Is ROE and Implied ROE consistent with previous years",null,null,null,null,null,"Board Decision Point"]
["Are profit provisions within a range of reasonableness?",null,null,null,null,null,"Board Decision Point"]
["History - Has there been any significant changes over the prior years?"]
["Is implied ROE low or negative? Ask the company if there are any concerns with solvency?"]
[{"$f":"'[5]Step 2 NBIB Confidential'!B597","v":"Has there been any change in the methodology to calculate any of the following from the prior rate filing? If yes, provide indication using previous methodology"}]
[]
[{"$f":"'Step 2 NBIB Confidential'!A576","v":"Table 25 - Profit Tables"}]
[" ",null,null,null,null,"Current Year","prior","2nd prior","3rd prior","4th prior"," If any cells in table 24 are left blank, provide reason here:",null,null,null," "]
["Input year:",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G579","v":0},{"$f":"'Step 2 NBIB Confidential'!H579","v":0},{"$f":"'Step 2 NBIB Confidential'!I579","v":0},{"$f":"'Step 2 NBIB Confidential'!J579","v":0},{"$f":"'Step 2 NBIB Confidential'!K579","v":0}]
["Target Return on Equity Current Filing",null,"Typically the Target ROE is in the range of 10-12%",null,null,{"$f":"'Step 2 NBIB Confidential'!G580","v":0.12},{"$f":"'Step 2 NBIB Confidential'!H580","v":0},{"$f":"'Step 2 NBIB Confidential'!I580","v":0},{"$f":"'Step 2 NBIB Confidential'!J580","v":0},{"$f":"'Step 2 NBIB Confidential'!K580","v":0}," "]
["Discount Rate - Policyholders Fund",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G581","v":1.7500000000000002E-2},{"$f":"'Step 2 NBIB Confidential'!H581","v":0},{"$f":"'Step 2 NBIB Confidential'!I581","v":0},{"$f":"'Step 2 NBIB Confidential'!J581","v":0},{"$f":"'Step 2 NBIB Confidential'!K581","v":0},null,null,null,null,"complete"]
["Discount Rate - Stockholder Fund (Equity)",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G582","v":1.7500000000000002E-2},{"$f":"'Step 2 NBIB Confidential'!H582","v":0},{"$f":"'Step 2 NBIB Confidential'!I582","v":0},{"$f":"'Step 2 NBIB Confidential'!J582","v":0},{"$f":"'Step 2 NBIB Confidential'!K582","v":0}]
["Premium to Surplus Ratio",null,"Typically for PPV Standard  Book of business, we would expect to see a p/s ratio of 2:1",null,null,{"$f":"'Step 2 NBIB Confidential'!G583","v":2},{"$f":"'Step 2 NBIB Confidential'!H583","v":0},{"$f":"'Step 2 NBIB Confidential'!I583","v":0},{"$f":"'Step 2 NBIB Confidential'!J583","v":0},{"$f":"'Step 2 NBIB Confidential'!K583","v":0}]
["Income Tax Rate",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G584","v":0.28999999999999998},{"$f":"'Step 2 NBIB Confidential'!H584","v":0},{"$f":"'Step 2 NBIB Confidential'!I584","v":0},{"$f":"'Step 2 NBIB Confidential'!J584","v":0},{"$f":"'Step 2 NBIB Confidential'!K584","v":0}]
["Permissible Loss Ratio",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G585","v":0.58250000000000002},{"$f":"'Step 2 NBIB Confidential'!H585","v":0},{"$f":"'Step 2 NBIB Confidential'!I585","v":0},{"$f":"'Step 2 NBIB Confidential'!J585","v":0},{"$f":"'Step 2 NBIB Confidential'!K585","v":0}]
["ROE Implied by Selected Rate Change Current Filing",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G586","v":3.4700000000000002E-2},{"$f":"'Step 2 NBIB Confidential'!H586","v":0},{"$f":"'Step 2 NBIB Confidential'!I586","v":0},{"$f":"'Step 2 NBIB Confidential'!J586","v":0},{"$f":"'Step 2 NBIB Confidential'!K586","v":0}]
["Expected U/W Profit",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G587","v":5.8000000000000003E-2},{"$f":"'Step 2 NBIB Confidential'!H587","v":0},{"$f":"'Step 2 NBIB Confidential'!I587","v":0},{"$f":"'Step 2 NBIB Confidential'!J587","v":0},{"$f":"'Step 2 NBIB Confidential'!K587","v":0}]
["Target Return on Premium ",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G588","v":7.5800000000000006E-2},{"$f":"'Step 2 NBIB Confidential'!H588","v":0},{"$f":"'Step 2 NBIB Confidential'!I588","v":0},{"$f":"'Step 2 NBIB Confidential'!J588","v":0},{"$f":"'Step 2 NBIB Confidential'!K588","v":0}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!G934, Language!$A$649)","v":"ROP Implied by Selected Rate Change"},null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!G589","v":1.61E-2},{"$f":"'Step 2 NBIB Confidential'!H589","v":0},{"$f":"'Step 2 NBIB Confidential'!I589","v":0},{"$f":"'Step 2 NBIB Confidential'!J589","v":0},{"$f":"'Step 2 NBIB Confidential'!K589","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"Insert Graph P/S ratio"]
[]
["4.h. Credibility",null,null,null,null,null,null,null,null,null,null,null,null,null,"START HERE"]
[{"$f":"'Step 2 NBIB Confidential'!B592","v":"Is the New Brunswick experience of the insurer of sufficient volume to produce stable overall province-wide rate level indications that are actuarially credible?  "},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O592","v":0},"split out 2 questions"]
[{"$f":"'Step 2 NBIB Confidential'!B593","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Check links"]
[{"$f":"'Step 2 NBIB Confidential'!B594","v":"Has there been any change in the credibility standard or procedure, from the prior rate filing ?"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O594","v":0},"split out 2 questions"]
[{"$f":"'Step 2 NBIB Confidential'!B595","v":0}]
["Is the approach to credibility reasonable?",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
["4.i. Other Adjustments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!Q599","v":0}]
[{"$f":"'[7]Step 2 NBIB Confidential'!B580","v":" Has any other adjustments been made to the data which affect expected premium or losses?"},null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L598","v":"No"},"Details",{"$f":"'Step 2 NBIB Confidential'!B599","v":0}]
[]
["4.j. Summary Rate Level Indications"]
[]
["COVID-19"]
["Were any measures put in place for COVID-19"]
[]
[]
[]
["4.L.1 Indicated Differentials"]
[{"$f":"'Step 2 NBIB Confidential'!B629","v":"Has the general approach to calculating rate differentials remained reasonably constant over the years? Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported.The insurer should test for and avoid reversals in its proposed differentials."},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O629","v":0}]
[]
["4.L.2 Off Balance"]
[{"$f":"'Step 2 NBIB Confidential'!B634","v":"Has the general approach to calculating the off-balance remained reasonably constant over the years?  Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported."},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O634","v":0}]
[]
["M. Discounts and Surcharges"]
["M.1 Indicated Discounts and Surcharges"]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B696, [8]Language!$A$514)","v":" The ratemaking process must be outlined in detail where an insurer proposes to introduce or make changes "}]
[]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B697, [8]Language!$A$515)","v":" A discount or a surcharge based on group membership could be based on lower (higher) loss costs based on (un) favourable experience, or identifiable characteristics of a group that would result in lower or higher loss exposure. "}]
[]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B698, [8]Language!$A$516)","v":" Insurers should maintain separate premium and loss statistics to support a discount or surcharge based on group membership.  The basis of the discount or surcharge should be defined in sufficient detail so that naming individual organizations is not necessary.  Insurers are not expected to develop a unique discount or surcharge for a specific group unless such a group is of sufficient size that its own experience supports such a discount or surcharge.  Support for discounts and surcharges must be actuarially credible and therefore only in the instance of large groups would a unique discount or surcharge be appropriate.  In the case where more than one discount or surcharge is proposed, (e.g., variation of discounts or surcharges based on types of groups), a list of groups and discounts or surcharges applicable is required to be submitted with the filing, as well as on a periodic basis."}]
[]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B699, [8]Language!$A$517)","v":" The insurer's own loss data should be used to the extent possible.  If the insurer finds it necessary to rely on outside data or a different source of company data, the insurer must identify the source of the data and provide an explanation of its applicability.  All data used in the process of developing the indicated discounts or surcharges based on group membership should be exhibited and labelled.  "}]
[]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B700, [8]Language!$A$518)","v":" A comparison of current, indicated and proposed discounts or surcharges must be provided for each coverage when a change is proposed. Included in this should be the written premium distribution and the exposure distribution by discounts or schedule of rates."}]
[]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B701, [8]Language!$A$519)","v":"Has the general approach to calculating discounts or surcharges based on group membership remained reasonably constant? Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported."},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O643","v":0}]
[]
["Is the approach reasonable?"]
[]
["M.2 Off-balance"]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B702, [8]Language!$A$520)","v":" The aggregate premium may be increased or decreased through the introduction of new discounts or surcharge, or by changes to existing ones.  The filing must account for these changes through the use of off-balance procedures or by accounting for the premium change in its rate level.  In the event that the change in discount or surcharge is not off-balanced and instead a rate level change is generated, subsections (a.) - (j.) must also be completed."}]
[]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B703, [8]Language!$A$521)","v":"If there are attachments to support this section please indicate the numbering of Exhibits"}]
[]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B704, [8]Language!$A$522)","v":" All data used in the process of calculating the off-balance must be exhibited and labelled.  The calculation of each off-balance must be shown.  All judgments associated with the process of calculating the off-balance should be disclosed and supported."}]
[]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B705, [8]Language!$A$523)","v":" Off-balance calculations should be based on the insurer's own distribution of business for group discounts or surcharges.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of its applicability in the circumstances. "}]
[]
[{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B706, [8]Language!$A$524)","v":"Has the general approach to calculating the off-balance remained reasonably constant? Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported."},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O651","v":0}]
[]
["N. Rating Based on Group Membership"]
["N.1 Indicated Discounts or Rates for Groups"]
["Are group discounts offered?",null,{"$f":"'Step 2 NBIB Confidential'!O657","v":0},"Provide List of Groups"]

{"sheet":"Step 1 Non-Confidential","index":6,"n_rows":148,"n_cols":15,"rows_kept":148,"cut":false,"hidden":false,"merged":[[91,0,91,2],[91,6,91,8],[136,6,136,8],[136,0,136,2],[121,6,121,8],[121,0,121,2],[106,0,106,2],[106,6,106,8],[90,0,90,5],[90,6,90,11],[105,0,105,5],[105,6,105,11],[120,0,120,5],[120,6,120,11],[135,0,135,5],[135,6,135,11],[129,0,129,2],[130,0,130,2],[131,0,131,2],[122,6,122,8],[129,6,129,8],[130,6,130,8],[131,6,131,8],[115,6,115,8],[146,0,146,2],[137,6,137,8],[138,6,138,8],[139,6,139,8],[140,6,140,8],[141,6,141,8],[142,6,142,8],[143,6,143,8],[144,6,144,8],[145,6,145,8],[146,6,146,8],[137,0,137,2],[138,0,138,2],[139,0,139,2],[140,0,140,2],[141,0,141,2],[142,0,142,2],[143,0,143,2],[125,0,125,2],[126,0,126,2],[127,0,127,2],[128,0,128,2],[114,0,114,2],[115,0,115,2],[116,0,116,2],[144,0,144,2],[145,0,145,2],[123,6,123,8],[124,6,124,8],[125,6,125,8],[126,6,126,8],[127,6,127,8],[128,6,128,8],[116,6,116,8],[107,0,107,2],[108,0,108,2],[109,0,109,2],[110,0,110,2],[111,0,111,2],[112,0,112,2],[113,0,113,2],[108,6,108,8],[109,6,109,8],[110,6,110,8],[111,6,111,8],[112,6,112,8],[113,6,113,8],[114,6,114,8],[122,0,122,2],[123,0,123,2],[124,0,124,2],[95,6,95,8],[96,6,96,8],[97,6,97,8],[98,6,98,8],[99,6,99,8],[100,6,100,8],[101,6,101,8],[101,0,101,2],[107,6,107,8],[92,0,92,2],[93,0,93,2],[94,0,94,2],[95,0,95,2],[96,0,96,2],[97,0,97,2],[98,0,98,2],[99,0,99,2],[100,0,100,2],[92,6,92,8],[93,6,93,8],[94,6,94,8],[15,0,15,14],[11,12,11,14],[22,0,22,14],[17,0,17,2],[18,0,18,2],[19,0,19,2],[20,0,20,2],[17,4,17,6],[18,4,18,6],[20,13,20,14],[20,4,20,7],[20,11,20,12],[20,9,20,10],[17,8,17,10],[18,8,18,10],[19,8,19,10],[19,4,19,7],[17,12,19,14],[37,0,37,3],[49,12,49,14],[30,1,30,2],[1,8,1,9],[1,0,1,5],[5,7,5,8],[0,0,0,14],[61,6,65,6],[61,7,65,7],[58,6,59,6],[58,7,59,7],[55,8,59,8],[61,8,65,8],[36,8,37,8],[36,9,37,14],[32,0,32,7],[26,0,26,2],[24,0,24,2],[29,4,29,6],[23,12,23,14],[23,7,23,11],[23,3,23,6],[33,0,33,3],[12,12,12,14],[12,0,12,11],[2,12,2,14],[2,0,2,1],[2,2,2,4],[25,0,25,2],[27,0,27,14],[32,9,32,14],[1,10,1,11],[4,2,4,8],[52,0,52,14],[49,0,49,3],[38,4,38,7],[29,0,29,2],[39,0,39,14],[25,12,25,13],[49,7,49,10],[38,9,38,14],[29,8,29,14],[35,9,35,14],[30,9,31,14],[5,9,5,11],[30,8,31,8],[33,8,34,8],[33,9,34,14],[5,3,5,4],[2,5,2,7],[9,12,9,14],[49,5,49,6],[25,3,25,6],[26,3,26,6],[24,7,26,11],[31,0,31,7],[24,12,24,13],[48,0,48,14],[40,0,40,2],[41,0,41,3],[41,4,41,7],[43,0,43,3],[44,0,44,3],[45,0,45,3],[46,0,46,3],[42,4,42,7],[43,4,43,7],[44,4,44,7],[45,4,45,7],[46,4,46,7],[42,0,42,3],[47,0,47,14],[26,12,26,13],[24,3,24,6],[33,4,33,7],[34,0,34,3],[35,0,35,3],[36,0,36,3],[30,3,30,7],[4,9,4,11],[5,12,5,14],[8,7,9,7],[8,3,9,3],[4,0,4,1],[5,0,5,2],[11,9,11,11],[11,6,11,7],[11,0,11,4],[4,12,4,14],[6,6,6,7],[6,8,6,11],[6,2,6,5],[6,0,6,1],[8,8,9,10],[8,11,9,11],[10,0,10,11],[10,12,10,14],[6,12,6,14],[62,1,62,3],[63,1,63,3],[66,6,66,7],[64,1,64,3],[51,0,51,14],[53,1,53,3],[57,1,57,3],[54,1,54,3],[55,1,55,3],[65,1,65,3],[56,1,56,3],[79,0,79,2],[80,0,80,2],[81,0,81,2],[82,0,82,2],[67,0,67,14],[71,0,71,11],[73,9,73,11],[84,0,84,2],[85,0,85,2],[73,3,73,5],[73,0,73,2],[74,0,74,2],[73,6,73,8],[74,6,74,8],[68,0,68,14],[69,0,69,14],[72,0,72,5],[72,6,72,11],[75,0,75,2],[76,0,76,2],[89,0,89,14],[83,0,83,2],[81,12,85,14],[70,0,70,14],[66,1,66,3],[55,7,57,7],[75,6,75,8],[76,6,76,8],[77,6,77,8],[78,6,78,8],[79,6,79,8],[80,6,80,8],[81,6,81,8],[82,6,82,8],[83,6,83,8],[84,6,84,8],[88,0,88,14],[59,1,59,3],[58,1,58,3],[55,6,57,6],[61,1,61,3],[60,1,60,3],[77,0,77,2],[78,0,78,2],[50,0,50,14],[21,0,21,14],[3,0,3,14],[7,0,7,14],[8,0,9,2],[8,4,9,6],[40,4,40,8],[40,9,46,14],[54,6,54,14],[53,0,66,0],[53,4,53,5],[53,6,53,14],[5,5,5,6],[13,0,13,14],[8,12,8,14],[23,0,23,2],[38,0,38,3],[34,4,34,7],[35,4,35,7],[36,4,36,7],[37,4,37,7],[28,3,28,14],[16,0,16,14],[14,0,14,14]]}
["STEP 1 NBIB NON-CONFIDENTIAL "]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$405, Language!$A$405)","v":"**Please Ensure Macros are Enabled on the Spreadsheet**"},null,null,null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$5, Language!$A$5)","v":"Language"},"English","Billing Number",null,null,null,"Version",6.1,"2026-04-28"]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$242, Language!$A$242)","v":"Submit Filing to:"},null,"filings@nbib-canb.org ",null,null,{"$f":"IF(H2 = 'Drop Down'!A5, Language!$B$8, Language!$A$8)","v":"NBIB Document  Name:"},null,null,{"$f":"H6","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(I7,'Drop Down'!A24:C45,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(C7,'Drop Down'!A8:C20,3,FALSE)","v":"RFG-3"},"Filing Summary","Original/Amendment/Response"]
[]
[{"$f":"IF(H2 = 'Drop Down'!A5, Language!$B$9, Language!$A$9)","v":"Company Name"},null,null,null,null,null,null,null,null,{"$f":"IF(H2 = 'Drop Down'!A5, Language!$B$10, Language!$A$10)","v":"Date of Filing:"}]
["GROUP (Auto Fill, if applicable)",null,null,{"$f":"IF(VLOOKUP(C5,'Drop Down'!A47:D94,4,FALSE)<>0,VLOOKUP(C5,'Drop Down'!A47:D94,4,FALSE),\"\")","v":{"$error":"#N/A"}},null,{"$f":"IF(H2 = 'Drop Down'!A5, Language!$B$13, Language!$A$13)","v":"Company Short Name"},null,{"$f":"IF(VLOOKUP(C5,'Drop Down'!A47:C94,3,FALSE)<>0,VLOOKUP(C5,'Drop Down'!A47:C94,3,FALSE),\"\")","v":{"$error":"#N/A"}},null,{"$f":"IF(H2 = 'Drop Down'!A5, Language!$B$14, Language!$A$14)","v":"Amendment Date(s):"}]
[{"$f":"IF(H2 = 'Drop Down'!A5, Language!$B$15, Language!$A$15)","v":"Filing Type:"},null,"RFG - 3 Rate Group Update Filing",null,null,null,{"$f":"IF(H2 = 'Drop Down'!A5, Language!$B$16, Language!$A$16)","v":"Vehicle Type:"}]
[]
["Overall Selected Rate Change \nBefore Capping",null,null,null,"Overall Selected Rate Change \nAfter Capping",null,null,null,{"$f":"IF(H2 = 'Drop Down'!A5, Language!$B$22, Language!$A$22)","v":"Indicated Rate change"}]
[]
["**Hearing Trigger** overall rate change that is greater than 3% "]
[{"$f":"IF(H3 = 'Drop Down'!A4, Language!$B$25, Language!$A$25)","v":"Proposed Effective Dates:"},null,null,null,null,"New",null,null,"Renewal"]
[" ** Hearing Trigger**….average rate increase is more than 3% greater than the rates charged by it in the 12 months before the date on which it proposes to begin to charge the rates. Insurance Act Sec 267.51(1) (b)"]
[]
[{"$f":"IF(H2 = 'Drop Down'!A5, Language!$B$29, Language!$A$29)","v":"Non-Confidential Company Information"}]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$31, Language!$A$31)","v":"Information on Previous RATE Filing"}]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$32, Language!$A$32)","v":"Provide the following information on the previous RATE filing for this class of vehicle:"}]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$33, Language!$A$33)","v":"NBIB Reference Number"},null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$37, Language!$A$37)","v":"Current Average Premium"},null,null,null,"Indicated rate change"]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$34, Language!$A$34)","v":"Approved Rate Change"},null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$38, Language!$A$38)","v":"Proposed Average Premium"},null,null,null,"In Force Exposures"]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$35, Language!$A$35)","v":"Date of Filing"},null,null,null,null,null,null,null,"In Force Premium"]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$36, Language!$A$36)","v":"Previous Filing Type"},null,null,null,"Effective dates",null,null,null,{"$f":"Language!A26","v":"New Business"},null,null,{"$f":"Language!#REF!","v":{"$error":"#REF!"}}]
[]
[{"$f":"IF(H2 = 'Drop Down'!A5, Language!$B$42, Language!$A$42)","v":"Contact Information"}]
[{"$f":"Language!A44","v":"Name"},null,null,null,null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$48, Language!$A$48)","v":"Mailing Address"},null,null,null,null,"Distribution"]
[{"$f":"Language!A45","v":"Title"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$50, Language!$A$50)","v":"Target Market"}]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$46, Language!$A$46)","v":"Phone Number"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$51, Language!$A$51)","v":"Primary Market"}]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$47, Language!$A$47)","v":"Email Address"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$52, Language!$A$52)","v":"Distribution Channel"}]
[]
[]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$53, Language!$A$53)","v":"Adopting rates from a Sister Company"},null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$55, Language!$A$55)","v":"Sister Company adopting rates"},null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$59, Language!$A$59)","v":"Hearing Notification* contact(s) to notify if Hearing Notice is to be issued"}]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$56, Language!$A$56)","v":"If Yes"},{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$57, Language!$A$57)","v":"From which Company"},null,null,null,null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$43, Language!$A$43)","v":"Name and Title"}]
[]
[{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$62, Language!$A$62)","v":"Details on what coverages are being adopted"},null,null,null,null,null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$47, Language!$A$47)","v":"Email Address"}]
["Coverage",null,null,null,"Details",null,null,null,{"$f":"I31","v":"Name and Title"}]
[]
[null,null,null,null,null,null,null,null,{"$f":"I33","v":"Email Address"}]
[null,null,null,null,null,null,null,null,{"$f":"IF($H$2 = 'Drop Down'!$A$5, Language!$B$43, Language!$A$43)","v":"Name and Title"}]
[]
[null,null,null,null,null,null,null,null,{"$f":"I36","v":"Email Address"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$65, Language!$A$65)","v":"Dependent Vehicles "}]
["Are there dependent vehicles?",null,null,null,"If yes, complete information below:"]
["Dependent Class (list all)",null,null,null,"Coverage Affected",null,null,null,"Rate Level Impact "]
[]
[]
[]
[]
[]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$71, Language!$A$71)","v":"Capping/Cupping"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$72, Language!$A$72)","v":"Current Capping/Cupping"},null,null,null,null,"If yes, Complete Capping/Cupping Worksheet contained in the workbook",null,"Proposed  changes to capping or introducing new capping",null,null,null,null,"If yes, Complete Capping/Cupping Worksheet contained in this workbook"]
[]
["Table 1 - Dislocation Tables"]
[{"$f":"Language!A77","v":"Dislocation Before Capping/Cupping"}]
[null,"Table 1 Before Capping",null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$79, Language!$A$79)","v":"Impact on Mandatory + Optional Coverages Combined"},null,"mandatory + optional is the entire book of business all policies with \"full coverage\" + those with only mandatory coverage"]
[null,"Range of Dislocation",null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$82, Language!$A$82)","v":"Exposures"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$83, Language!$A$83)","v":"% Affected"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$84, Language!$A$84)","v":"Increase of more than 20.1%"},null,null,null,{"$f":"E56/E67","v":{"$error":"#DIV/0!"}},{"$f":"SUM(E56:E58)","v":0},{"$f":"SUM(F56:F58)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(H56:H60)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$85, Language!$A$85)","v":"Increase of 15.1% to 20%"},null,null,null,{"$f":"E57/E67","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$86, Language!$A$86)","v":"Increase of 10.1% to 15%"},null,null,null,{"$f":"E58/E67","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$87, Language!$A$87)","v":"Increase of 5.1% to 10%"},null,null,null,{"$f":"E59/E67","v":{"$error":"#DIV/0!"}},{"$f":"SUM(E59:E60)","v":0},{"$f":"SUM(F59:F60)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$88, Language!$A$88)","v":"Increase of 0.1% to 5%"},null,null,null,{"$f":"E60/E67","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$89, Language!$A$89)","v":"NO CHANGE"},null,null,null,{"$f":"E61/E67","v":{"$error":"#DIV/0!"}},{"$f":"E61","v":0},{"$f":"F61","v":{"$error":"#DIV/0!"}},{"$f":"H61","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$90, Language!$A$90)","v":"Decrease of 0.1% to 5%"},null,null,null,{"$f":"E62/E67","v":{"$error":"#DIV/0!"}},{"$f":"SUM(E62:E66)","v":0},{"$f":"SUM(F62:F66)","v":{"$error":"#DIV/0!"}},{"$f":"H62","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$91, Language!$A$91)","v":"Decrease of 5.1% to 10%"},null,null,null,{"$f":"E63/E67","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$92, Language!$A$92)","v":"Decrease of 10.1% to 15%"},null,null,null,{"$f":"E64/E67","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$93, Language!$A$93)","v":"Decrease of 15.1% to 20%"},null,null,null,{"$f":"E65/E67","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$94, Language!$A$94)","v":"Decrease of more than 20.1%"},null,null,null,{"$f":"E66/E67","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$95, Language!$A$95)","v":"TOTAL"},null,null,{"$f":"SUM(E56:E66)","v":0},{"$f":"SUM(F56:F66)","v":{"$error":"#DIV/0!"}},null,null,{"$f":"SUM(I56:I66)","v":{"$error":"#DIV/0!"}}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$96, Language!$A$96)","v":"Notes or Comments - Explanation for any Dislocation >10%"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$97, Language!$A$97)","v":"If there is dislocation greater than 10%, complete table(s) below:"}]
[{"$f":"A53","v":"Dislocation Before Capping/Cupping"}]
["Table 1.A",null,null,null,null,null,"Table 1.B"]
[{"$f":"B55","v":"Range of Dislocation"},null,null,{"$f":"E54","v":"Impact on Mandatory + Optional Coverages Combined"},null,null,{"$f":"B55","v":"Range of Dislocation"},null,null,{"$f":"E54","v":"Impact on Mandatory + Optional Coverages Combined"}]
["10.1% - 20%",null,null,{"$f":"E55","v":"Exposures"},"Disbursement over 10%","% of whole book","20.1% - 30%",null,null,{"$f":"E55","v":"Exposures"},"Disbursement over 10%","% of whole book"]
[{"$f":"Language!A101","v":"Increase of 19.1% to 20%"},null,null,null,{"$f":"D76/G56","v":{"$error":"#DIV/0!"}},{"$f":"D76/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A112","v":"Increase of 29.1% to 30%"},null,null,null,{"$f":"J76/G56","v":{"$error":"#DIV/0!"}},{"$f":"J76/E67","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!A102","v":"Increase of 18.1% to 19%"},null,null,null,{"$f":"D77/G56","v":{"$error":"#DIV/0!"}},{"$f":"D77/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A113","v":"Increase of 28.1% to 29%"},null,null,null,{"$f":"J77/G56","v":{"$error":"#DIV/0!"}},{"$f":"J77/E67","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!A103","v":"Increase of 17.1% to 18%"},null,null,null,{"$f":"D78/G56","v":{"$error":"#DIV/0!"}},{"$f":"D78/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A114","v":"Increase of 27.1% to 28%"},null,null,null,{"$f":"J78/G56","v":{"$error":"#DIV/0!"}},{"$f":"J78/E67","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!A104","v":"Increase of 16.1% to 17%"},null,null,null,{"$f":"D79/G56","v":{"$error":"#DIV/0!"}},{"$f":"D79/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A115","v":"Increase of 26.1% to 27%"},null,null,null,{"$f":"J79/G56","v":{"$error":"#DIV/0!"}},{"$f":"J79/E67","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!A105","v":"Increase of 15.1% to 16%"},null,null,null,{"$f":"D80/G56","v":{"$error":"#DIV/0!"}},{"$f":"D80/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A116","v":"Increase of 25.1% to 26%"},null,null,null,{"$f":"J80/G56","v":{"$error":"#DIV/0!"}},{"$f":"J80/E67","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!A106","v":"Increase of 14.1% to 15%"},null,null,null,{"$f":"D81/G56","v":{"$error":"#DIV/0!"}},{"$f":"D81/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A117","v":"Increase of 24.1% to 25%"},null,null,null,{"$f":"J81/G56","v":{"$error":"#DIV/0!"}},{"$f":"J82/E67","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!A107","v":"Increase of 13.1% to 14%"},null,null,null,{"$f":"D82/G56","v":{"$error":"#DIV/0!"}},{"$f":"D82/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A118","v":"Increase of 23.1% to 24%"},null,null,null,{"$f":"J82/G56","v":{"$error":"#DIV/0!"}},{"$f":"J82/E67","v":{"$error":"#DIV/0!"}},"For increases greater than 30.1% fill in tables starting at row 90"]
[{"$f":"Language!A108","v":"Increase of 12.1% to 13%"},null,null,null,{"$f":"D83/G56","v":{"$error":"#DIV/0!"}},{"$f":"D83/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A119","v":"Increase of 22.1% to 23%"},null,null,null,{"$f":"J83/G56","v":{"$error":"#DIV/0!"}},{"$f":"J83/E67","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!A109","v":"Increase of 11.1% to 12%"},null,null,null,{"$f":"D84/G56","v":{"$error":"#DIV/0!"}},{"$f":"D84/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A120","v":"Increase of 21.1% to 22%"},null,null,null,{"$f":"J84/G56","v":{"$error":"#DIV/0!"}},{"$f":"J84/E67","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!A110","v":"Increase of 10.1% to 11%"},null,null,null,{"$f":"D85/G56","v":{"$error":"#DIV/0!"}},{"$f":"D85/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A121","v":"Increase of 20.1% to 21%"},null,null,null,{"$f":"J85/G56","v":{"$error":"#DIV/0!"}},{"$f":"J85/E67","v":{"$error":"#DIV/0!"}}]
["TOTAL",null,null,{"$f":"SUM(D76:D85)","v":0},{"$f":"SUM(E76:E85)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(F76:F85)","v":{"$error":"#DIV/0!"}},"TOTAL",null,null,{"$f":"SUM(J76:J85)","v":0},{"$f":"SUM(K76:K85)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(L76:L85)","v":{"$error":"#DIV/0!"}}]
[]
[]
[]
["Dislocation Tables for over 30%.  Please use in increments of 1%"]
["Table 1.C",null,null,null,null,null,"Table 1.D"]
["30.1% to 40%",null,null,{"$f":"D75","v":"Exposures"},{"$f":"E75","v":"Disbursement over 10%"},"% of whole book","40.1% to 50%",null,null,{"$f":"E55","v":"Exposures"},{"$f":"K75","v":"Disbursement over 10%"},"% of whole book"]
[{"$f":"Language!A124","v":"Increase of 30.1% to 31%"},null,null,null,{"$f":"D93/G56","v":{"$error":"#DIV/0!"}},{"$f":"D93/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A135","v":"Increase of 40.1% to 41%"},null,null,null,{"$f":"J93/M72","v":{"$error":"#DIV/0!"}},{"$f":"J93/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 31.1% to 32%",null,null,null,{"$f":"D94/M72","v":{"$error":"#DIV/0!"}},{"$f":"D94/E67","v":{"$error":"#DIV/0!"}},"Increase of 41.1% to 42%",null,null,null,{"$f":"J94/M72","v":{"$error":"#DIV/0!"}},{"$f":"J94/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 32.1% to 33%",null,null,null,{"$f":"D95/M72","v":{"$error":"#DIV/0!"}},{"$f":"D95/E67","v":{"$error":"#DIV/0!"}},"Increase of 42.1% to 43%",null,null,null,{"$f":"J95/M72","v":{"$error":"#DIV/0!"}},{"$f":"J95/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 33.1% to 34%",null,null,null,{"$f":"D96/M72","v":{"$error":"#DIV/0!"}},{"$f":"D96/E67","v":{"$error":"#DIV/0!"}},"Increase of 43.1% to 44%",null,null,null,{"$f":"J96/M72","v":{"$error":"#DIV/0!"}},{"$f":"J96/E67","v":{"$error":"#DIV/0!"}}]
["increase of 35.1% to 36%",null,null,null,{"$f":"D97/M72","v":{"$error":"#DIV/0!"}},{"$f":"D97/E67","v":{"$error":"#DIV/0!"}},"Increase of 44.1% to 45%",null,null,null,{"$f":"J97/M72","v":{"$error":"#DIV/0!"}},{"$f":"J97/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 34.1% to 35%",null,null,null,{"$f":"D98/M72","v":{"$error":"#DIV/0!"}},{"$f":"D98/E67","v":{"$error":"#DIV/0!"}},"Increase of 45.1% to 46%",null,null,null,{"$f":"J98/M72","v":{"$error":"#DIV/0!"}},{"$f":"J98/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 36.1% to 37%",null,null,null,{"$f":"D99/M72","v":{"$error":"#DIV/0!"}},{"$f":"D99/E67","v":{"$error":"#DIV/0!"}},"Increase of 46.1% to 47%",null,null,null,{"$f":"J99/M72","v":{"$error":"#DIV/0!"}},{"$f":"J99/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 37.1% to 38%",null,null,null,{"$f":"D100/M72","v":{"$error":"#DIV/0!"}},{"$f":"D100/E67","v":{"$error":"#DIV/0!"}},"Increase of 47.1% to 48%",null,null,null,{"$f":"J100/M72","v":{"$error":"#DIV/0!"}},{"$f":"J100/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 38.1% to 39%",null,null,null,{"$f":"D101/M72","v":{"$error":"#DIV/0!"}},{"$f":"D101/E67","v":{"$error":"#DIV/0!"}},"Increase of 48.1% to 49%",null,null,null,{"$f":"J101/M72","v":{"$error":"#DIV/0!"}},{"$f":"J101/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 39.1% to 40%",null,null,null,{"$f":"D102/M72","v":{"$error":"#DIV/0!"}},{"$f":"D102/E67","v":{"$error":"#DIV/0!"}},"Increase of 49.1% to 50%",null,null,null,{"$f":"J102/M72","v":{"$error":"#DIV/0!"}},{"$f":"J102/E67","v":{"$error":"#DIV/0!"}}]
["Total",null,null,{"$f":"SUM(D93:D102)","v":0},{"$f":"SUM(E93:E102)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(F93:F102)","v":{"$error":"#DIV/0!"}},"Total",null,null,{"$f":"SUM(J93:J102)","v":0},{"$f":"J103/M72","v":{"$error":"#DIV/0!"}},{"$f":"SUM(L93:L102)","v":{"$error":"#DIV/0!"}}]
[]
[]
["Table 1.E",null,null,null,null,null,"Table 1.F"]
["50.1% to 60%",null,null,{"$f":"E55","v":"Exposures"},{"$f":"E92","v":"Disbursement over 10%"},"% of whole book","60.1% to 70%",null,null,{"$f":"E55","v":"Exposures"},{"$f":"E92","v":"Disbursement over 10%"},"% of whole book"]
[{"$f":"Language!A146","v":"Increase of 50.1% to 51%"},null,null,null,{"$f":"D108/M72","v":{"$error":"#DIV/0!"}},{"$f":"D108/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A157","v":"Increase of 61.1% to 62%"},null,null,null,{"$f":"J108/M72","v":{"$error":"#DIV/0!"}},{"$f":"J108/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 51.1% to 52%",null,null,null,{"$f":"D109/M72","v":{"$error":"#DIV/0!"}},{"$f":"D109/E67","v":{"$error":"#DIV/0!"}},"Increase of 60.1% to 61%",null,null,null,{"$f":"J109/M72","v":{"$error":"#DIV/0!"}},{"$f":"J109/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 52.1% to 53%",null,null,null,{"$f":"D110/M72","v":{"$error":"#DIV/0!"}},{"$f":"D110/E67","v":{"$error":"#DIV/0!"}},"Increase of 62.1% to 63%",null,null,null,{"$f":"J110/M72","v":{"$error":"#DIV/0!"}},{"$f":"J110/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 53.1% to 54%",null,null,null,{"$f":"D111/M72","v":{"$error":"#DIV/0!"}},{"$f":"D111/E67","v":{"$error":"#DIV/0!"}},"Increase of 63.1% to 64%",null,null,null,{"$f":"J111/M72","v":{"$error":"#DIV/0!"}},{"$f":"J111/E67","v":{"$error":"#DIV/0!"}}]
["increase of 55.1% to 56%",null,null,null,{"$f":"D112/M72","v":{"$error":"#DIV/0!"}},{"$f":"D112/E67","v":{"$error":"#DIV/0!"}},"increase of 65.1% to 66%",null,null,null,{"$f":"J112/M72","v":{"$error":"#DIV/0!"}},{"$f":"J112/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 54.1% to 55%",null,null,null,{"$f":"D113/M72","v":{"$error":"#DIV/0!"}},{"$f":"D113/E67","v":{"$error":"#DIV/0!"}},"Increase of 64.1% to 65%",null,null,null,{"$f":"J113/M72","v":{"$error":"#DIV/0!"}},{"$f":"J113/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 56.1% to 57%",null,null,null,{"$f":"D114/M72","v":{"$error":"#DIV/0!"}},{"$f":"D114/E67","v":{"$error":"#DIV/0!"}},"Increase of 66.1% to 67%",null,null,null,{"$f":"J114/M72","v":{"$error":"#DIV/0!"}},{"$f":"J114/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 57.1% to 58%",null,null,null,{"$f":"D115/M72","v":{"$error":"#DIV/0!"}},{"$f":"D115/E67","v":{"$error":"#DIV/0!"}},"Increase of 67.1% to 68%",null,null,null,{"$f":"J115/M72","v":{"$error":"#DIV/0!"}},{"$f":"J115/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 58.1% to 59%",null,null,null,{"$f":"D116/M72","v":{"$error":"#DIV/0!"}},{"$f":"D116/E67","v":{"$error":"#DIV/0!"}},"Increase of 68.1% to 69%",null,null,null,{"$f":"J116/M72","v":{"$error":"#DIV/0!"}},{"$f":"J116/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 59.1% to 60%",null,null,null,{"$f":"D117/M72","v":{"$error":"#DIV/0!"}},{"$f":"D117/E67","v":{"$error":"#DIV/0!"}},"Increase of 69.1% to 70%",null,null,null,{"$f":"J117/M72","v":{"$error":"#DIV/0!"}},{"$f":"J117/E67","v":{"$error":"#DIV/0!"}}]
["Total",null,null,{"$f":"SUM(D108:D117)","v":0},{"$f":"SUM(E108:E117)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(F108:F117)","v":{"$error":"#DIV/0!"}},"Total",null,null,{"$f":"SUM(J108:J117)","v":0},{"$f":"SUM(K108:K117)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(L108:L117)","v":{"$error":"#DIV/0!"}}]
[]
[]
["Table 1.G",null,null,null,null,null,"Table 1.H"]
["70.1% to 80%",null,null,{"$f":"E55","v":"Exposures"},{"$f":"E107","v":"Disbursement over 10%"},"% of whole book","80.1% to 90%",null,null,{"$f":"E55","v":"Exposures"},{"$f":"K107","v":"Disbursement over 10%"},"% of whole book"]
[{"$f":"Language!A168","v":"Increase of 70.1% to 71%"},null,null,null,{"$f":"D123/M72","v":{"$error":"#DIV/0!"}},{"$f":"D123/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A179","v":"Increase of 80.1% to 81%"},null,null,null,{"$f":"J123/M72","v":{"$error":"#DIV/0!"}},{"$f":"J123/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 71.1% to 72%",null,null,null,{"$f":"D124/M72","v":{"$error":"#DIV/0!"}},{"$f":"D124/E67","v":{"$error":"#DIV/0!"}},"Increase of 81.1% to 82%",null,null,null,{"$f":"J124/M72","v":{"$error":"#DIV/0!"}},{"$f":"J124/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 72.1% to 73%",null,null,null,{"$f":"D125/M72","v":{"$error":"#DIV/0!"}},{"$f":"D125/E67","v":{"$error":"#DIV/0!"}},"Increase of 82.1% to 83%",null,null,null,{"$f":"J125/M72","v":{"$error":"#DIV/0!"}},{"$f":"J125/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 73.1% to 74%",null,null,null,{"$f":"D126/M72","v":{"$error":"#DIV/0!"}},{"$f":"D126/E67","v":{"$error":"#DIV/0!"}},"Increase of 83.1% to 84%",null,null,null,{"$f":"J126/M72","v":{"$error":"#DIV/0!"}},{"$f":"J126/E67","v":{"$error":"#DIV/0!"}}]
["increase of 75.1% to 76%",null,null,null,{"$f":"D127/M72","v":{"$error":"#DIV/0!"}},{"$f":"D127/E67","v":{"$error":"#DIV/0!"}},"increase of 85.1% to 86%",null,null,null,{"$f":"J127/M72","v":{"$error":"#DIV/0!"}},{"$f":"J127/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 74.1% to 75%",null,null,null,{"$f":"D128/M72","v":{"$error":"#DIV/0!"}},{"$f":"D128/E67","v":{"$error":"#DIV/0!"}},"Increase of 84.1% to 85%",null,null,null,{"$f":"J128/M72","v":{"$error":"#DIV/0!"}},{"$f":"J128/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 76.1% to 77%",null,null,null,{"$f":"D129/M72","v":{"$error":"#DIV/0!"}},{"$f":"D129/E67","v":{"$error":"#DIV/0!"}},"Increase of 86.1% to 87%",null,null,null,{"$f":"J129/M72","v":{"$error":"#DIV/0!"}},{"$f":"J129/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 77.1% to 78%",null,null,null,{"$f":"D130/M72","v":{"$error":"#DIV/0!"}},{"$f":"D130/E67","v":{"$error":"#DIV/0!"}},"Increase of 87.1% to 88%",null,null,null,{"$f":"J130/M72","v":{"$error":"#DIV/0!"}},{"$f":"J130/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 78.1% to 79%",null,null,null,{"$f":"D131/M72","v":{"$error":"#DIV/0!"}},{"$f":"D131/E67","v":{"$error":"#DIV/0!"}},"Increase of 88.1% to 89%",null,null,null,{"$f":"J131/M72","v":{"$error":"#DIV/0!"}},{"$f":"J131/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 79.1% to 80%",null,null,null,{"$f":"D132/M72","v":{"$error":"#DIV/0!"}},{"$f":"D132/E67","v":{"$error":"#DIV/0!"}},"Increase of 89.1% to 90%",null,null,null,{"$f":"J132/M72","v":{"$error":"#DIV/0!"}},{"$f":"J132/E67","v":{"$error":"#DIV/0!"}}]
["Total",null,null,{"$f":"SUM(D123:D132)","v":0},{"$f":"SUM(E123:E132)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(F123:F132)","v":{"$error":"#DIV/0!"}},"Total",null,null,{"$f":"SUM(J123:J132)","v":0},{"$f":"SUM(K123:K132)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(L123:L132)","v":{"$error":"#DIV/0!"}}]
[]
[]
["Table 1.I",null,null,null,null,null,"Table 1.J"]
["90.1% to 100%",null,null,{"$f":"E55","v":"Exposures"},{"$f":"E122","v":"Disbursement over 10%"},"% of whole book","100.1% to 110%",null,null,{"$f":"E55","v":"Exposures"},{"$f":"K122","v":"Disbursement over 10%"},"% of whole book"]
[{"$f":"Language!A190","v":"Increase of 90.1% to 91%"},null,null,null,{"$f":"D138/M72","v":{"$error":"#DIV/0!"}},{"$f":"D138/E67","v":{"$error":"#DIV/0!"}},{"$f":"Language!A201","v":"Increase of 100.1% to 101%"},null,null,null,{"$f":"J138/M72","v":{"$error":"#DIV/0!"}},{"$f":"J138/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 91.1% to 92%",null,null,null,{"$f":"D139/M72","v":{"$error":"#DIV/0!"}},{"$f":"D139/E67","v":{"$error":"#DIV/0!"}},"Increase of 101.1% to 102%",null,null,null,{"$f":"J139/M72","v":{"$error":"#DIV/0!"}},{"$f":"J139/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 92.1% to 93%",null,null,null,{"$f":"D140/M72","v":{"$error":"#DIV/0!"}},{"$f":"D140/E67","v":{"$error":"#DIV/0!"}},"Increase of 102.1% to 103%",null,null,null,{"$f":"J140/M72","v":{"$error":"#DIV/0!"}},{"$f":"J140/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 93.1% to 94%",null,null,null,{"$f":"D141/M72","v":{"$error":"#DIV/0!"}},{"$f":"D141/E67","v":{"$error":"#DIV/0!"}},"Increase of 103.1% to 104%",null,null,null,{"$f":"J141/M72","v":{"$error":"#DIV/0!"}},{"$f":"J141/E67","v":{"$error":"#DIV/0!"}}]
["increase of 95.1% to 96%",null,null,null,{"$f":"D142/M72","v":{"$error":"#DIV/0!"}},{"$f":"D142/E67","v":{"$error":"#DIV/0!"}},"increase of 105.1% to 106%",null,null,null,{"$f":"J142/M72","v":{"$error":"#DIV/0!"}},{"$f":"J142/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 94.1% to 95%",null,null,null,{"$f":"D143/M72","v":{"$error":"#DIV/0!"}},{"$f":"D143/E67","v":{"$error":"#DIV/0!"}},"Increase of 104.1% to 105%",null,null,null,{"$f":"J143/M72","v":{"$error":"#DIV/0!"}},{"$f":"J143/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 96.1% to 97%",null,null,null,{"$f":"D144/M72","v":{"$error":"#DIV/0!"}},{"$f":"D144/E67","v":{"$error":"#DIV/0!"}},"Increase of 106.1% to 107%",null,null,null,{"$f":"J144/M72","v":{"$error":"#DIV/0!"}},{"$f":"J144/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 97.1% to 98%",null,null,null,{"$f":"D145/M72","v":{"$error":"#DIV/0!"}},{"$f":"D145/E67","v":{"$error":"#DIV/0!"}},"Increase of 107.1% to 108%",null,null,null,{"$f":"J145/M72","v":{"$error":"#DIV/0!"}},{"$f":"J145/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 98.1% to 99%",null,null,null,{"$f":"D146/M72","v":{"$error":"#DIV/0!"}},{"$f":"D146/E67","v":{"$error":"#DIV/0!"}},"Increase of 108.1% to 109%",null,null,null,{"$f":"J146/M72","v":{"$error":"#DIV/0!"}},{"$f":"J146/E67","v":{"$error":"#DIV/0!"}}]
["Increase of 99.1% to 100%",null,null,null,{"$f":"D147/M72","v":{"$error":"#DIV/0!"}},{"$f":"D147/E67","v":{"$error":"#DIV/0!"}},"Increase of 109.1% to 110%",null,null,null,{"$f":"J147/M72","v":{"$error":"#DIV/0!"}},{"$f":"J147/E67","v":{"$error":"#DIV/0!"}}]
["Total",null,null,{"$f":"SUM(D138:D147)","v":0},{"$f":"SUM(E138:E147)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(F138:F147)","v":{"$error":"#DIV/0!"}},"Total",null,null,{"$f":"SUM(J138:J147)","v":0},{"$f":"SUM(K138:K147)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(L138:L147)","v":{"$error":"#DIV/0!"}}]

{"sheet":"Step 2 NBIB Confidential","index":7,"n_rows":658,"n_cols":23,"rows_kept":658,"cut":false,"hidden":false,"merged":[[280,5,280,6],[280,1,280,3],[277,8,277,12],[277,13,277,14],[280,7,280,14],[360,11,362,14],[332,2,332,4],[439,1,439,14],[502,12,502,14],[469,0,469,14],[482,0,482,2],[475,6,475,8],[375,0,375,14],[376,0,376,14],[377,0,377,14],[499,0,499,14],[496,1,496,14],[488,0,488,2],[491,0,491,2],[490,6,490,8],[490,9,490,11],[490,12,490,14],[571,8,573,12],[556,1,556,5],[534,3,534,4],[508,1,508,14],[507,1,507,13],[531,5,531,7],[580,12,580,14],[581,12,581,14],[582,12,582,14],[521,6,521,7],[514,1,514,2],[577,1,577,5],[524,1,524,8],[524,10,524,14],[579,12,579,14],[531,8,531,10],[532,1,532,4],[532,11,532,14],[526,8,526,14],[521,8,521,11],[521,13,521,14],[526,1,526,6],[523,1,523,14],[519,0,519,14],[476,0,476,2],[475,9,475,11],[477,0,477,2],[486,0,486,2],[487,0,487,2],[515,3,515,4],[517,3,517,4],[596,1,596,14],[594,1,594,14],[504,4,504,5],[504,6,504,8],[504,9,504,14],[505,1,505,3],[505,6,505,9],[505,4,505,5],[505,10,505,11],[583,12,583,14],[584,12,584,14],[585,12,585,14],[586,12,586,14],[576,0,576,14],[566,0,566,14],[564,1,564,5],[573,2,573,6],[518,3,518,4],[502,8,502,11],[492,3,493,3],[492,6,493,6],[492,9,493,9],[494,0,494,2],[494,3,494,14],[492,12,493,12],[529,22,529,25],[517,1,517,2],[514,3,514,4],[520,1,520,9],[520,11,520,14],[521,2,521,4],[530,0,530,14],[577,12,578,14],[429,0,429,2],[429,3,429,4],[429,6,429,7],[528,0,528,14],[522,1,522,14],[479,0,479,2],[480,0,480,2],[474,12,474,14],[474,3,474,5],[474,9,474,11],[478,0,478,2],[474,0,474,2],[475,0,475,2],[473,3,473,5],[473,6,473,8],[473,12,473,14],[431,4,431,5],[457,3,457,6],[460,1,460,14],[431,6,431,7],[475,3,475,5],[472,3,472,5],[416,0,416,13],[425,12,425,13],[424,12,424,13],[418,4,418,5],[413,12,413,13],[424,6,424,7],[422,0,422,13],[424,0,424,1],[424,2,424,3],[424,4,424,5],[424,8,424,9],[424,10,424,11],[419,12,419,13],[413,0,413,1],[413,2,413,3],[413,10,413,11],[417,0,417,2],[413,6,413,7],[413,8,413,9],[419,10,419,11],[418,6,418,7],[418,8,418,9],[418,10,418,11],[413,4,413,5],[464,1,464,13],[472,6,472,8],[472,0,472,2],[470,3,470,5],[428,0,428,13],[473,9,473,11],[470,0,470,2],[472,12,472,14],[457,1,457,2],[466,0,466,14],[472,9,472,11],[471,6,471,8],[471,3,471,5],[468,0,468,14],[471,12,471,14],[467,0,467,14],[471,9,471,11],[461,1,461,14],[457,7,457,8],[431,8,431,9],[471,0,471,1],[463,8,463,14],[462,1,462,14],[430,4,430,5],[410,0,410,13],[407,2,407,3],[407,4,407,5],[407,6,407,7],[411,3,411,4],[411,6,411,7],[412,12,412,13],[412,2,412,3],[406,4,406,5],[412,0,412,1],[411,0,411,2],[412,4,412,5],[412,6,412,7],[412,8,412,9],[412,10,412,11],[463,1,463,6],[459,0,459,14],[454,1,454,10],[437,5,437,6],[445,4,445,14],[449,1,449,2],[451,1,451,14],[440,1,440,3],[443,1,443,14],[448,10,448,13],[447,1,447,14],[456,1,456,14],[454,11,454,13],[370,0,370,2],[371,0,371,2],[394,0,394,1],[374,0,374,2],[405,6,405,7],[407,0,407,1],[404,0,404,13],[406,2,406,3],[406,12,406,13],[406,6,406,7],[406,8,406,9],[406,10,406,11],[400,12,400,13],[406,0,406,1],[407,12,407,13],[407,8,407,9],[407,10,407,11],[372,0,372,2],[388,8,388,9],[393,3,393,4],[393,6,393,7],[388,0,388,1],[388,2,388,3],[388,4,388,5],[230,0,230,14],[256,0,256,14],[438,0,438,14],[442,0,442,14],[425,6,425,7],[425,8,425,9],[425,10,425,11],[419,0,419,1],[419,2,419,3],[423,0,423,2],[423,3,423,4],[423,6,423,7],[419,4,419,5],[419,6,419,7],[419,8,419,9],[430,10,430,11],[430,6,430,7],[254,8,254,14],[399,0,399,2],[399,3,399,4],[251,10,251,11],[417,3,417,4],[417,6,417,7],[399,6,399,7],[253,12,253,14],[435,1,435,14],[490,3,490,5],[512,1,512,2],[513,11,513,14],[485,0,485,2],[489,0,489,2],[498,1,498,14],[492,0,492,2],[481,0,481,2],[484,0,484,2],[500,1,500,14],[512,8,512,10],[493,0,493,2],[513,1,513,4],[501,1,501,14],[503,1,503,13],[388,12,388,13],[293,0,293,14],[286,5,286,6],[287,5,287,6],[287,1,287,2],[504,1,504,3],[502,1,502,6],[418,0,418,1],[418,2,418,3],[430,2,430,3],[437,0,437,3],[441,0,441,3],[431,10,431,11],[431,12,431,13],[441,5,441,6],[441,7,441,14],[436,7,436,8],[436,1,436,5],[440,8,440,14],[436,9,436,14],[434,0,434,13],[437,7,437,14],[431,0,431,1],[431,2,431,3],[430,0,430,1],[430,12,430,13],[418,12,418,13],[430,8,430,9],[538,1,538,9],[539,1,539,14],[444,6,444,14],[449,4,449,14],[458,1,458,3],[458,5,458,6],[458,8,458,14],[425,0,425,1],[425,2,425,3],[425,4,425,5],[470,12,470,14],[453,1,453,14],[465,1,465,14],[457,9,457,14],[446,0,446,14],[450,0,450,14],[455,0,455,14],[448,1,448,6],[452,1,452,7],[452,9,452,14],[470,6,470,8],[470,9,470,11],[474,6,474,8],[475,12,475,14],[111,0,111,14],[126,0,126,14],[89,0,89,2],[95,0,95,4],[87,0,87,4],[87,5,87,9],[87,10,87,14],[86,11,86,12],[86,13,86,14],[91,13,91,14],[94,0,94,14],[85,0,86,1],[91,10,91,11],[91,4,91,9],[82,9,82,10],[85,11,85,14],[72,1,73,1],[21,12,21,13],[66,0,70,1],[27,12,27,13],[68,3,68,10],[49,2,49,11],[65,1,65,13],[50,3,50,11],[51,3,51,11],[45,12,47,13],[46,2,46,11],[47,2,47,11],[52,3,52,11],[54,3,54,11],[55,3,55,11],[44,1,44,11],[44,12,44,13],[37,12,39,13],[37,2,37,11],[38,2,38,11],[71,1,71,11],[49,0,60,0],[0,0,0,14],[3,10,3,11],[4,0,4,2],[4,3,4,5],[4,7,4,8],[10,0,10,14],[11,0,11,14],[6,0,6,2],[8,0,8,14],[6,12,6,14],[2,12,2,14],[5,0,5,2],[7,12,7,14],[9,0,9,14],[4,12,4,14],[5,12,5,14],[2,0,2,1],[2,2,2,8],[3,7,3,8],[3,5,3,6],[5,3,5,5],[3,12,3,14],[2,9,2,11],[5,6,5,7],[13,0,13,14],[21,1,21,11],[14,0,14,14],[18,1,18,13],[41,12,43,13],[45,2,45,11],[50,12,52,13],[54,12,56,13],[58,12,60,13],[49,12,49,13],[40,1,40,11],[36,1,36,11],[27,1,27,11],[58,3,58,11],[16,0,16,14],[17,1,17,13],[22,2,22,11],[23,2,23,11],[25,2,25,11],[53,2,53,11],[15,0,15,14],[81,2,81,4],[82,5,82,8],[73,2,73,3],[76,4,76,10],[82,11,82,12],[6,4,6,5],[7,5,7,11],[36,12,36,13],[40,12,40,13],[79,0,79,14],[7,0,7,2],[71,12,71,13],[72,0,76,0],[72,11,73,14],[74,1,74,4],[74,5,74,8],[74,9,74,12],[74,13,74,14],[75,11,76,14],[24,2,24,11],[19,1,19,13],[20,0,20,14],[12,0,12,14],[28,2,28,11],[32,2,32,11],[33,2,33,11],[34,3,34,11],[62,12,64,13],[26,3,26,11],[29,2,29,11],[30,2,30,11],[35,1,35,13],[39,2,39,11],[41,2,41,11],[42,2,42,11],[43,2,43,11],[31,2,31,11],[64,2,64,11],[59,3,59,11],[61,12,61,13],[61,1,61,11],[48,1,48,14],[62,2,62,11],[63,2,63,11],[160,0,160,14],[85,2,85,4],[85,8,85,9],[88,0,88,1],[91,0,91,3],[75,4,75,10],[78,0,78,14],[77,0,77,14],[81,10,81,13],[83,0,83,4],[86,2,86,4],[83,6,83,8],[86,9,86,10],[76,2,76,3],[80,0,80,14],[92,3,92,14],[95,5,95,13],[141,0,141,14],[84,0,84,14],[90,0,90,14],[93,0,93,14],[88,3,89,14],[83,9,83,14],[81,0,82,1],[211,3,211,5],[211,6,211,8],[156,0,156,14],[163,0,163,14],[92,0,92,2],[226,8,226,10],[159,0,159,14],[202,6,202,8],[205,0,205,1],[201,3,201,7],[179,0,179,14],[210,0,210,2],[221,0,221,14],[224,1,224,14],[222,1,222,14],[225,12,225,13],[197,0,197,6],[197,8,197,14],[213,0,213,1],[214,0,214,1],[220,0,220,14],[226,11,226,12],[204,0,204,1],[198,0,198,14],[634,0,634,14],[552,0,552,14],[554,0,554,14],[525,1,525,14],[593,1,593,13],[599,0,599,14],[595,0,595,14],[555,11,555,14],[560,1,560,5],[587,12,587,14],[588,12,588,14],[610,1,610,4],[610,6,610,14],[598,1,598,14],[535,1,535,2],[542,1,542,8],[542,10,542,14],[543,1,543,9],[543,11,543,14],[541,1,541,14],[536,1,536,2],[536,3,536,4],[537,1,537,2],[537,3,537,4],[645,0,645,14],[638,1,638,14],[642,1,642,13],[641,1,641,14],[635,1,635,14],[637,1,637,14],[640,1,640,14],[636,0,636,14],[643,1,643,6],[643,7,643,13],[644,1,644,14],[639,1,639,6],[639,8,639,13],[658,1,658,14],[659,0,659,14],[651,1,651,14],[648,1,648,14],[653,1,653,14],[655,1,655,14],[654,0,654,14],[652,0,652,14],[650,1,650,13],[657,1,657,14],[656,1,656,13],[649,1,649,6],[649,8,649,13],[646,1,646,14],[647,1,647,14],[597,1,597,10],[555,1,555,5],[591,1,591,13],[567,1,567,14],[572,2,572,6],[569,1,569,4],[569,6,569,12],[556,11,564,14],[558,1,558,5],[578,1,578,5],[579,1,579,5],[580,1,580,5],[597,12,597,14],[592,1,592,14],[590,1,590,14],[589,0,589,14],[585,1,585,5],[557,1,557,5],[581,1,581,5],[582,1,582,5],[583,1,583,5],[584,1,584,5],[603,0,603,14],[605,1,605,14],[608,1,608,14],[622,0,622,14],[600,1,600,14],[613,1,613,13],[612,12,612,13],[612,4,612,6],[612,1,612,2],[612,9,612,10],[611,1,611,13],[602,1,602,14],[609,1,609,14],[612,7,612,8],[604,1,604,14],[601,1,601,14],[606,1,606,14],[607,1,607,14],[616,1,616,14],[624,0,624,14],[614,1,614,14],[633,1,633,13],[630,1,630,14],[626,1,626,14],[627,1,627,14],[617,1,617,14],[620,1,620,2],[620,4,620,7],[620,9,620,14],[621,1,621,14],[623,1,623,14],[625,1,625,14],[615,0,615,14],[632,5,632,6],[632,9,632,12],[619,1,619,14],[618,0,618,14],[631,1,631,14],[628,1,628,13],[629,0,629,14],[632,1,632,3],[586,1,586,5],[587,1,587,5],[588,1,588,5],[559,1,559,5],[565,1,565,14],[545,1,545,14],[540,0,540,14],[546,12,546,13],[550,12,550,13],[550,1,550,10],[551,1,551,14],[547,1,547,14],[544,0,544,14],[548,0,548,14],[553,0,553,14],[571,2,571,6],[574,0,574,14],[568,1,568,12],[570,1,570,12],[562,1,562,5],[561,1,561,5],[563,1,563,5],[575,0,575,14],[546,1,546,10],[549,1,549,14],[515,1,515,2],[516,1,516,2],[512,5,512,7],[516,3,516,4],[518,1,518,2],[511,0,511,14],[483,0,483,2],[473,0,473,2],[495,0,495,14],[509,0,509,14],[497,1,497,5],[497,7,497,14],[490,0,490,2],[506,1,506,14],[510,0,510,14],[512,3,512,4],[535,3,535,4],[529,0,529,14],[531,1,531,4],[533,1,533,2],[533,3,533,4],[534,1,534,2],[527,1,527,14],[289,8,289,9],[289,10,289,11],[271,3,271,5],[262,11,262,14],[252,7,252,9],[253,7,253,9],[273,3,273,5],[272,3,272,5],[279,3,279,4],[264,3,264,5],[265,3,265,5],[267,3,267,5],[268,3,268,5],[279,5,279,6],[259,1,259,14],[257,0,257,14],[258,7,258,14],[278,1,278,3],[278,4,278,14],[261,3,263,5],[260,0,260,14],[255,1,255,14],[261,6,261,10],[277,1,277,6],[193,0,193,14],[178,0,178,14],[208,0,208,1],[196,0,196,6],[405,0,405,2],[405,3,405,4],[401,0,401,1],[401,2,401,3],[401,4,401,5],[401,6,401,7],[401,8,401,9],[400,4,400,5],[400,6,400,7],[400,8,400,9],[400,0,400,1],[400,2,400,3],[401,10,401,11],[401,12,401,13],[400,10,400,11],[206,0,206,1],[194,0,194,14],[286,8,286,9],[286,10,286,11],[285,7,290,7],[392,0,392,13],[394,10,394,11],[394,12,394,13],[382,0,382,2],[385,0,385,2],[388,10,388,11],[387,6,387,7],[380,0,380,2],[388,6,388,7],[387,0,387,2],[394,6,394,7],[393,0,393,2],[389,12,389,13],[379,0,379,2],[383,0,383,2],[389,0,389,1],[378,0,378,2],[381,0,381,2],[373,0,373,2],[395,12,395,13],[395,0,395,1],[395,2,395,3],[395,4,395,5],[395,6,395,7],[395,8,395,9],[389,4,389,5],[389,6,389,7],[384,0,384,2],[394,2,394,3],[394,4,394,5],[386,0,386,13],[389,10,389,11],[387,3,387,4],[395,10,395,11],[389,2,389,3],[389,8,389,9],[394,8,394,9],[323,2,323,4],[333,2,333,4],[343,2,343,4],[344,2,344,4],[347,2,347,4],[356,0,356,14],[354,1,355,2],[354,3,355,14],[361,8,361,10],[361,1,361,7],[360,8,360,10],[324,2,324,4],[349,0,349,14],[350,1,350,14],[353,1,353,14],[351,12,351,14],[359,8,359,10],[359,11,359,12],[359,13,359,14],[352,1,352,14],[351,1,351,10],[357,0,357,14],[358,0,358,14],[359,1,359,7],[364,1,364,7],[364,10,364,14],[360,1,360,7],[362,8,362,10],[363,1,363,8],[363,11,363,14],[362,1,362,7],[369,0,369,2],[368,0,368,2],[366,0,366,14],[365,0,365,14],[367,0,367,2],[339,2,339,4],[341,2,341,4],[342,2,342,4],[325,0,325,14],[330,10,330,14],[327,0,327,14],[348,2,348,4],[331,2,331,4],[326,0,326,14],[328,2,329,4],[345,2,345,4],[346,2,346,4],[334,2,334,4],[330,2,330,4],[281,1,281,14],[284,0,284,14],[245,4,246,14],[252,12,252,14],[321,2,321,4],[322,2,322,4],[319,2,319,4],[289,1,289,2],[320,2,320,4],[292,7,292,10],[292,11,292,13],[290,10,290,11],[290,8,290,9],[303,1,303,14],[315,2,315,4],[316,2,316,4],[317,2,317,4],[318,2,318,4],[311,2,311,4],[312,2,312,4],[313,2,313,4],[314,2,314,4],[290,5,290,6],[291,0,291,14],[298,1,298,14],[299,1,299,14],[304,1,304,14],[296,1,296,14],[308,2,309,4],[310,2,310,4],[310,5,310,9],[301,1,301,14],[285,8,285,11],[290,1,290,2],[286,3,286,4],[288,5,288,6],[292,5,292,6],[300,1,300,13],[302,1,302,14],[295,1,295,13],[305,0,305,14],[306,0,306,14],[307,0,307,14],[292,1,292,4],[287,10,287,11],[289,3,289,4],[287,3,287,4],[288,10,288,11],[82,13,82,14],[86,6,86,8],[287,8,287,9],[228,9,228,12],[216,0,216,1],[218,0,218,14],[196,8,196,13],[202,9,202,11],[202,0,203,1],[199,0,199,14],[200,0,200,14],[211,12,211,14],[212,12,212,14],[213,12,213,14],[214,12,214,14],[215,12,215,14],[216,12,216,14],[227,1,227,7],[225,8,225,10],[227,9,227,14],[215,0,215,1],[201,12,208,14],[210,9,210,10],[202,3,202,5],[195,0,195,6],[219,0,219,14],[217,0,217,14],[210,7,210,8],[209,0,209,14],[207,0,207,1],[195,8,195,14],[253,10,253,11],[237,1,237,9],[242,0,242,14],[210,4,210,5],[211,9,211,11],[210,11,210,14],[241,1,241,14],[211,0,212,2],[226,1,226,6],[223,0,223,14],[225,1,225,6],[201,8,201,10],[236,1,236,9],[234,1,234,9],[235,1,235,9],[232,1,232,9],[233,1,233,9],[66,3,66,10],[67,3,67,10],[73,4,73,10],[75,1,76,1],[56,3,56,11],[53,12,53,13],[57,12,57,13],[57,3,57,11],[72,4,72,10],[75,2,75,3],[60,3,60,11],[72,2,72,3],[70,3,70,11],[66,12,70,14],[69,3,69,11],[288,8,288,9],[285,3,285,6],[288,3,288,4],[297,1,297,14],[244,4,244,5],[251,7,251,9],[290,3,290,4],[289,5,289,6],[279,1,279,2],[279,7,279,14],[275,0,275,14],[276,1,276,14],[266,3,266,5],[270,3,270,5],[247,0,247,14],[244,6,244,13],[252,2,252,5],[244,1,244,3],[282,0,282,14],[294,1,294,14],[288,1,288,2],[269,3,269,5],[254,1,254,6],[258,0,258,5],[164,0,164,14],[283,0,283,14],[245,1,246,3],[109,0,109,14],[253,2,253,5],[251,2,251,5],[252,10,252,11],[274,3,274,5],[248,0,248,14],[251,12,251,14],[249,0,249,14],[250,0,250,14],[229,1,229,14],[231,1,231,14],[243,1,243,14],[228,1,228,7],[238,1,238,9],[239,1,239,9],[240,1,240,9],[110,0,110,14],[125,0,125,14],[155,0,155,14],[140,0,140,14],[228,13,228,14]]}
["STEP 2 NBIB CONFIDENTIAL"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Version",{"$f":"'Step 1 Non-Confidential'!N2","v":6.1}]
[{"$f":"'Step 1 Non-Confidential'!A5:B5","v":"Company Name"},null,{"$f":"'Step 1 Non-Confidential'!C5:I5","v":0},null,null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!J5:K5","v":"Date of Filing:"},null,null,{"$f":"'Step 1 Non-Confidential'!M5","v":"00:00:00"}]
[null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!F6:G6","v":"Company Short Name"},null,{"$f":"'Step 1 Non-Confidential'!H6:I6","v":{"$error":"#N/A"}},null,null,{"$f":"'Step 1 Non-Confidential'!J6","v":"Amendment Date(s):"},null,{"$f":"'Step 1 Non-Confidential'!M6","v":"00:00:00"}]
[{"$f":"'Step 1 Non-Confidential'!A7:C7","v":"Filing Type:"},null,null,{"$f":"'Step 1 Non-Confidential'!C7:G7","v":0},null,null,{"$f":"'Step 1 Non-Confidential'!A6","v":"GROUP (Auto Fill, if applicable)"},{"$f":"'Step 1 Non-Confidential'!D6","v":{"$error":"#N/A"}},null,null,null,null,{"$f":"'Step 1 Non-Confidential'!#REF!","v":{"$error":"#REF!"}}]
[{"$f":"'Step 1 Non-Confidential'!G7","v":"Vehicle Type:"},null,null,{"$f":"'Step 1 Non-Confidential'!I7","v":0},null,null,{"$f":"'Step 1 Non-Confidential'!I2","v":"Billing Number"},null,{"$f":"'Step 1 Non-Confidential'!K2","v":0},null,null,null,{"$f":"'Step 1 Non-Confidential'!M6","v":"00:00:00"}]
[{"$f":"'Step 1 Non-Confidential'!A9","v":"Overall Selected Rate Change \nBefore Capping"},null,null,{"$f":"'Step 1 Non-Confidential'!D9","v":0},{"$f":"'Step 1 Non-Confidential'!I9","v":"Indicated Rate change"},null,{"$f":"'Step 1 Non-Confidential'!L9","v":0},null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!M7","v":"00:00:00"}]
[{"$f":"'Step 1 Non-Confidential'!E9","v":"Overall Selected Rate Change \nAfter Capping"},null,null,{"$f":"'Step 1 Non-Confidential'!H9","v":0},null,null,null,null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!M9","v":"00:00:00"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$318, Language!$A$318)","v":"Proposal"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$319, Language!$A$319)","v":"Purpose and Scope"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$320, Language!$A$320)","v":"Provide a complete description of the purpose and scope of this filing.  Include specific identification of any changes including rules, discounts and surcharges."}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$373, Language!$A$373)","v":"Rationale for the proposed changes if selection is different than the indicated change."}]
[]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$321, Language!$A$321)","v":"Table 4 - Proposed Changes"}]
["Yes/No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$323, Language!$A$323)","v":"Description of proposed change(s)"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$324, Language!$A$324)","v":"Impact"}]
["No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$326, Language!$A$326)","v":"No Change"},null,null,null,null,null,null,null,null,null,null,null,null,0]
["Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$325, Language!$A$325)","v":"Risk Classification"}]
["Rate Changes Select Yes for proposed changes found in this filing"]
["Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$327, Language!$A$327)","v":"Base Rate Changes"},null,null,null,null,null,null,null,null,null,null,"Overall Impact",null,0.02]
[null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$328, Language!$A$328)","v":"NOT due to off balancing differential/discount changes. Uniform by territory"}]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$329, Language!$A$329)","v":"NOT due to off balancing differential/discount changes. NOT uniform by territory"}]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$330, Language!$A$330)","v":"Due to off balancing differential/discount changes. Uniform by territory"}]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$331, Language!$A$331)","v":"Due to off balancing differential/discount changes. NOT uniform by territory"}]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$332, Language!$A$332)","v":"Other:"}]
["Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$333, Language!$A$333)","v":"Differentials Changes"},null,null,null,null,null,null,null,null,null,null,"Overall Impact",null,0.01]
[null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$334, Language!$A$334)","v":"Classification"},null,null,null,null,null,null,null,null,null,null,null,0.01]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$335, Language!$A$335)","v":"Limits of liability"}]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$336, Language!$A$336)","v":"Driving Record/Years Licensed differentials"}]
[null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$337, Language!$A$337)","v":"Limit differentials"},null,null,null,null,null,null,null,null,null,null,null,-0.02]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$338, Language!$A$338)","v":"Deductible differentials"}]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$339, Language!$A$339)","v":"Territorial Differentials"}]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$340, Language!$A$340)","v":"Other:"}]
["No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$341, Language!$A$341)","v":"Algorithm Changes"}]
["Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$342, Language!$A$342)","v":"Rating and Underwriting Rule Changes"},null,null,null,null,null,null,null,null,null,null,"Overall Impact",null,0]
[null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$343, Language!$A$343)","v":"Amending rules"},null,null,null,null,null,null,null,null,null,"If Yes:  Complete Rule Change Doc"]
[null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$344, Language!$A$344)","v":"Adding Rules"}]
[null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$345, Language!$A$345)","v":"Deleting Rules"}]
["Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$346, Language!$A$346)","v":"Discount Changes"},null,null,null,null,null,null,null,null,null,null,"Overall Impact",null,0]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$348, Language!$A$348)","v":"Amending rules"},null,null,null,null,null,null,null,null,null,"If Yes:  Complete Rule Change Doc"]
[null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$349, Language!$A$349)","v":"Adding Rules"}]
[null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$350, Language!$A$350)","v":"Deleting Rules"}]
["No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$347, Language!$A$347)","v":"Surcharge Changes"},null,null,null,null,null,null,null,null,null,null,"Overall Impact"]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$348, Language!$A$348)","v":"Amending rules"},null,null,null,null,null,null,null,null,null,"If Yes:  Complete Rule Change Doc"]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$349, Language!$A$349)","v":"Adding Rules"}]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$350, Language!$A$350)","v":"Deleting Rules"}]
["No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$351, Language!$A$351)","v":"Definition Changes"}]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$352, Language!$A$352)","v":"Territorial Definitions"},null,null,null,null,null,null,null,null,null,"Overall Impact"]
[null,null,"No","Amending",null,null,null,null,null,null,null,null,"If Yes:  Complete Rule Change Doc"]
[null,null,"No","Adding"]
[null,null,"No","Deleting"]
[null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$353, Language!$A$353)","v":"Years Licensed Definitions"},null,null,null,null,null,null,null,null,null,"Overall Impact"]
[null,null,null,"Amending",null,null,null,null,null,null,null,null,"If Yes:  Complete Rule Change Doc"]
[null,null,null,"Adding"]
[null,null,null,"Deleting"]
[null,"No","Other:",null,null,null,null,null,null,null,null,null,"Overall Impact"]
[null,null,null,"Amending",null,null,null,null,null,null,null,null,"If Yes:  Complete Rule Change Doc"]
[null,null,null,"Adding"]
[null,null,null,"Deleting"]
["No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$354, Language!$A$354)","v":"Endorsement Changes"},null,null,null,null,null,null,null,null,null,null,"Overall Impact"]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$355, Language!$A$355)","v":"Amending Endorsement"},null,null,null,null,null,null,null,null,null,"If Yes:  Complete Rule Change Doc"]
[null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$356, Language!$A$356)","v":"Adding Endorsement"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$357, Language!$A$357)","v":"Deleting Endorsement"}]
["No","Adopt IAO Rates",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$358, Language!$A$358)","v":"IAO - Adopt Most recent Approved IAO Base Rates and Differentials Tables"},null,null,null,null,null,null,null,null,null,"Overall Impact"]
[null,null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$359, Language!$A$359)","v":"IAO Rate Table currently being used (YEAR)"},null,null,null,null,null,null,null,2020]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$360, Language!$A$360)","v":"IAO Rate Table proposed (YEAR)"},null,null,null,null,null,null,null,2021]
[null,null,"Yes","Deviation from IAO approved rates",null,null,null,null,null,null,null,0.05]
[null,null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$362, Language!$A$362)","v":"Rationale for adopting IAO Rate : "}]
[null,null,"Details"]
["Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$365, Language!$A$365)","v":"Update Rate Group  Tables"},null,null,null,null,null,null,null,null,null,null,"Overall Impact"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$368, Language!$A$368)","v":"Current"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$366, Language!$A$366)","v":"Year of Table"},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$367, Language!$A$367)","v":"Table being used"}]
[]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$369, Language!$A$369)","v":"Update Rate Group Table"},null,null,null,null,null,null,null,null,null,null,"Overall Impact"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$370, Language!$A$370)","v":"Proposed"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$366, Language!$A$366)","v":"Year of Table"},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$367, Language!$A$367)","v":"Table being used"}]
[]
["If Current Rate Group Table is more than 2 years old, please provide rationale as to why this has not been updated and when we can expect to see this update."]
[]
[]
["Other Rating Variables"]
["Credit Score",null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$446, Language!$A$446)","v":"Is it being introduced with this filing?"},null,null,"No","Offset?","n/a","Amount of Offset","n/a","Where can we find details on this new variable in the filing?"]
[null,null,"Is this a current rating variable?",null,"N/A",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$447, Language!$A$447)","v":"What year was it introduced in New Brunswick?"},null,null,null,"n/a",null,{"$f":"G6","v":"Billing Number"},null,"n/a"]
["NEED some details on uptake and average discount",null,null,null,null,null,"complete worksheet"]
[]
["UBI",null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$446, Language!$A$446)","v":"Is it being introduced with this filing?"},null,null,"No",{"$f":"G82","v":"Offset?"},"Yes",{"$f":"I82","v":"Amount of Offset"}]
[null,null,"Is it current rating variable?",null,null,"n/a",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$447, Language!$A$447)","v":"What year was it introduced in New Brunswick?"},null,null,"n/a",null,{"$f":"G6","v":"Billing Number"},null,"n/a"]
["NEED some details on uptake and average discount"]
["Other",null,"Details","n/a"]
[]
[]
["For Tables 5-12 below, complete rows 98-194:",null,null,null,"On what basis are the following tables completed: i.e. in force",null,null,null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$467, Language!$A$467)","v":"As Of Date"},"2023-01-16"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$372, Language!$A$372)","v":"Notes on any of the above"},null,null,"test"]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$374, Language!$A$374)","v":"Table 5 - Current Written Exposures "}]
["These numbers should reflect the book of business for :",null,null,null,null,{"$f":"'Step 1 Non-Confidential'!H6","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,"ONLY"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$375, Language!$A$375)","v":"Statistical Territory"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$376, Language!$A$376)","v":"Bodily Injury"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$377, Language!$A$377)","v":"Property Damage"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$378, Language!$A$378)","v":"Direct Compensation - Property Damage"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$379, Language!$A$379)","v":"Accident Benefits"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$380, Language!$A$380)","v":"Uninsured Auto"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$381, Language!$A$381)","v":"Health Services Levy"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$382, Language!$A$382)","v":"Total Mandatory Coverage"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$383, Language!$A$383)","v":"Collision"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$384, Language!$A$384)","v":"Comprehensive"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$385, Language!$A$385)","v":"Specified Perils"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$386, Language!$A$386)","v":"All Perils"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$387, Language!$A$387)","v":"SEF 44"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$388, Language!$A$388)","v":"Total Optional Coverage"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$389, Language!$A$389)","v":"All Coverages Combined"}]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$390, Language!$A$390)","v":"Provincial "},{"$f":"SUM(B98:B108)","v":0},0,0,0,0,0,{"$f":"SUM(H98:H108)","v":0},0,0,0,{"$f":"SUM(L98:L108)","v":0},0,0,0]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$391, Language!$A$391)","v":"An annual policy covering a single vehicle counts as one exposure while an annual policy covering two vehicles counts as two exposures. A semi-annual policy covering  one vehicle counts as 0.5 exposures while a semi-annual policy covering two policies counts as one exposure."}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$392, Language!$A$392)","v":"Table 6 - Current Average Written Premium at current rate level $"}]
[{"$f":"A97","v":"Statistical Territory"},{"$f":"B97","v":"Bodily Injury"},"Property Damage","Direct Compensation - Property Damage","Accident Benefits","Uninsured Auto","Health Services Levy","Total Mandatory Coverage","Collision","Comprehensive","Specified Perils","All Perils","SEF 44","Total Optional Coverage",{"$f":"O97","v":"All Coverages Combined"}]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[{"$f":"A109","v":"Provincial "}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$393, Language!$A$393)","v":"Table 7 - Proposed Average Written Premium before capping $"},null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,{"$f":"B97","v":"Bodily Injury"},"Property Damage","Direct Compensation - Property Damage","Accident Benefits","Uninsured Auto","Health Services Levy","Total Mandatory Coverage","Collision","Comprehensive","Specified Perils","All Perils","SEF 44","Total Optional Coverage","All Coverages Combined"]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[{"$f":"A109","v":"Provincial "}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$394, Language!$A$394)","v":"Table 8 - Proposed Average Written Premium after capping  $  ** If there is no capping leave blank "}]
[{"$f":"A97","v":"Statistical Territory"},{"$f":"B97","v":"Bodily Injury"},"Property Damage","Direct Compensation - Property Damage","Accident Benefits","Uninsured Auto","Health Services Levy","Total Mandatory Coverage","Collision","Comprehensive","Specified Perils","All Perils","SEF 44","Total Optional Coverage","All Coverages Combined"]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[{"$f":"A109","v":"Provincial "}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$395, Language!$A$395)","v":"Table 9 - Indicated Average Written Premium $ "}]
[null,{"$f":"B97","v":"Bodily Injury"},{"$f":"C97","v":"Property Damage"},"Direct Compensation - Property Damage","Accident Benefits","Uninsured Auto","Health Services Levy","Total Mandatory Coverage","Collision","Comprehensive","Specified Perils","All Perils","SEF 44","Total Optional Coverage","All Coverages Combined"]
[{"$f":"A109","v":"Provincial "}]
[]
["Table 10 - Indicated Percentage Change in Average Premium (+/-) %"]
[null,{"$f":"B97","v":"Bodily Injury"},{"$f":"C158","v":"Property Damage"},{"$f":"D97","v":"Direct Compensation - Property Damage"},"Accident Benefits","Uninsured Auto","Health Services Levy","Total Mandatory Coverage","Collision","Comprehensive","Specified Perils","All Perils","SEF 44","Total Optional Coverage","All Coverages Combined"]
[{"$f":"A109","v":"Provincial "}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$397, Language!$A$397)","v":"Table 11 - Proposed Percentage change in Average Premium Before Capping (+/-) %"}]
[{"$f":"A143","v":"Statistical Territory"},{"$f":"B97","v":"Bodily Injury"},{"$f":"C97","v":"Property Damage"},"Direct Compensation - Property Damage","Accident Benefits","Uninsured Auto","Health Services Levy","Total Mandatory Coverage","Collision","Comprehensive","Specified Perils","All Perils","SEF 44","Total Optional Coverage","All Coverages Combined"]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[{"$f":"A109","v":"Provincial "}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$398, Language!$A$398)","v":"Table 12 - Proposed Percentage Change in Average Premium After Capping (+/-) %   ** If there is no capping leave blank"}]
[{"$f":"A97","v":"Statistical Territory"},{"$f":"B97","v":"Bodily Injury"},"Property Damage","Direct Compensation - Property Damage","Accident Benefits","Uninsured Auto","Health Services Levy","Total Mandatory Coverage","Collision","Comprehensive","Specified Perils","All Perils","SEF 44","Total Optional Coverage","All Coverages Combined"]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[{"$f":"A109","v":"Provincial "}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$399, Language!$A$399)","v":"Territories"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$400, Language!$A$400)","v":"Is your company rating policies using the 11 statistical territories? (Yes, No)"},null,null,null,null,null,null,"No",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$403, Language!$A$403)","v":"If not rating policies using the 11 statistical territories, please fill in the tables below."}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$401, Language!$A$401)","v":"If no, how many rating territories is your company using? "},null,null,null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$402, Language!$A$402)","v":"<--- Enter the # of rating territories here, a macro will generate 4 tables at row"},null,null,null,null,null,800]
["Is a map of rating territories attached to Sheet labelled \"Maps\"",null,null,null,null,null,null,"Yes"]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$422, Language!$A$422)","v":"Table 16 - Exposures and Premiums"}]
["Please complete table below:"]
[null,null,null,{"$f":"A96","v":"These numbers should reflect the book of business for :"},null,null,null,null,{"$f":"'Step 1 Non-Confidential'!H6","v":{"$error":"#N/A"}},null,null,{"$f":"O96","v":"ONLY"},"details on blank cells"]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$423, Language!$A$423)","v":"Exposures"},null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$424, Language!$A$424)","v":"Premiums"},null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$425, Language!$A$425)","v":"Average Premium"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$426, Language!$A$426)","v":"Renewal Year"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B427, Language!$A427)","v":"In force"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B428, Language!$A428)","v":"Written"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B429, Language!$A429)","v":"Earned "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B427, Language!$A427)","v":"In force"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B428, Language!$A428)","v":"Written"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B429, Language!$A429)","v":"Earned "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B427, Language!$A427)","v":"In force"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B428, Language!$A428)","v":"Written"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B429, Language!$A429)","v":"Earned "}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B430, Language!$A430)","v":"4th Prior Accident Year"},null,"2017",123,456,789,1234,2345,5678,987,876,986]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B431, Language!$A431)","v":"3rd Prior Accident Year"},null,"2018",789]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B432, Language!$A432)","v":"2nd Prior Accident Year"},null,"2019",456]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B433, Language!$A433)","v":"1st Prior Accident Year"},null,"2020",234]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B434, Language!$A434)","v":"Current Accident Year"},null,"2021",123]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B435, Language!$A435)","v":"Span of Accident Year (e.g. Jan 1 to Dec 31)"},null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B438, Language!$A438)","v":"From"},"jan",null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B439, Language!$A439)","v":"To"},"dec 31",null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B497, Language!$A497)","v":"Source of Data"},null,"in house"]
[{"$f":"C204","v":"Renewal Year"},null,null,"% Change in Exposures",null,null,"% Change in Average Premium",null,null,"% Change in Average Premium",null,null,"Details on blank cells"]
[null,null,null,{"$f":"D204","v":"In force"},"Written","Earned ","In force","Written","Earned ",{"$f":"J204","v":"In force"},{"$f":"K204","v":"Written"},{"$f":"L204","v":"Earned "}]
[{"$f":"A206","v":"3rd Prior Accident Year"},null,{"$f":"C205","v":"2017"},{"$f":"D206/D205-1","v":5.4146341463414638},-1,-1,-1,-1,-1,-1,-1,-1]
[{"$f":"A207","v":"2nd Prior Accident Year"},null,{"$f":"C206","v":"2018"},{"$f":"D207/D206-1","v":-0.42205323193916355},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A208","v":"1st Prior Accident Year"},null,{"$f":"C207","v":"2019"},{"$f":"D208/D207-1","v":-0.48684210526315785},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[{"$f":"A209","v":"Current Accident Year"},null,{"$f":"C208","v":"2020"},{"$f":"D209/D208-1","v":-0.47435897435897434},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$F$18, Language!$E$18)","v":"Actuarial Justification (Confidential)"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B440, Language!$A440)","v":" Rate Indications and Selections"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$440, Language!$A$440)","v":" Rate Indications and Selections"}]
[]
["A",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$444, Language!$A$444)","v":"Overall Description of the Ratemaking Methodology and Summary"}]
[]
[null,"GLM"]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$12, Language!$A$12)","v":"YYYY-MM-DD"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$445, Language!$A$445)","v":"Is a Generalized Linear Modeling being used to develop rates"},null,null,null,null,null,"Yes",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$447, Language!$A$447)","v":"What year was it introduced in New Brunswick?"},null,null,"1905-07-11",null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$448, Language!$A$448)","v":"Billing #"},"2019-288"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$446, Language!$A$446)","v":"Is it being introduced with this filing?"},null,null,null,null,null,null,"No"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$449, Language!$A$449)","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? "},null,null,null,null,null,null,"n/a","If yes, which section and subsection contain the details?",null,null,null,"sec b"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$453, Language!$A$453)","v":"The following justification is required to be provided by insurers relying on a GLM approach to rate making"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$454, Language!$A$454)","v":"Response variables:frequency and severity, loss cost, or other (specify)"},null,null,null,null,null,null,null,null,"Yes"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$455, Language!$A$455)","v":"Indicator variables: accident year, territories, etc."},null,null,null,null,null,null,null,null,"No"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$456, Language!$A$456)","v":"Link function: logarithmic, identity, or other (specify)"},null,null,null,null,null,null,null,null,"N/A"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$457, Language!$A$457)","v":"Error function: Poisson, Normal, Gamma, Tweedie, or other (specify)"},null,null,null,null,null,null,null,null,"N/A"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$458, Language!$A$458)","v":"Scale parameter"},null,null,null,null,null,null,null,null,"N/A"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$459, Language!$A$459)","v":"Description of interaction modeling, if applicable"},null,null,null,null,null,null,null,null,"No"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$460, Language!$A$460)","v":"Listing of statistical tests and graphs used to assess the global model performance as indicator variable performance"},null,null,null,null,null,null,null,null,"Yes"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$461, Language!$A$461)","v":"Results of statistical tests for global model, as well as sample results of statistical tests for one f the indicator variables"},null,null,null,null,null,null,null,null,"No"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$462, Language!$A$462)","v":"Were there changes in GLM methodology since the last time filed? If yes, what were the changes?"},null,null,null,null,null,null,null,null,"No"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
[null,"Ratemaking Methodology"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$463, Language!$A$463)","v":"Type of approach used"},null,null,"Loss Ratio",null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$449, Language!$A$449)","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? "},null,null,null,null,null,null,null,"Yes"]
[null,"If yes, provide details:"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$465, Language!$A$465)","v":"Table 17 - Data Used Table"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$469, Language!$A$469)","v":" The filing should include the most recent complete year of data that is available.  Should the filing rely on industry experience, we would expect any filing received after industry data is released to include the most recent industry data (i.e. assuming that industry data for the 2013 accident year is released on June 1, 2014 any filing made after that date should include 2013 accident year data)."}]
["Please complete table below:"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$466, Language!$A$466)","v":"Data Used"},"In Force -Internal Company Data",null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2='Drop Down'!$A$5,Language!$B$467,Language!$A$467)","v":"As Of Date"},"2022-02-01"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$466, Language!$A$466)","v":"Data Used"},null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2='Drop Down'!$A$5,Language!$B$467,Language!$A$467)","v":"As Of Date"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$466, Language!$A$466)","v":"Data Used"},null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2='Drop Down'!$A$5,Language!$B$467,Language!$A$467)","v":"As Of Date"}]
[null,"Has there been a change in the source of data from previous filing?",null,null,null,null,null,"Yes","If yes, provide details below:"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$470, Language!$A$470)","v":"Table 18 - Weights Used Table"}]
["Has there been a change in the weighting since the prior filing?",null,null,null,null,null,"Yes","If yes, provide details below:"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
["Please complete table below "]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$472, Language!$A$472)","v":"Coverage"},null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$473, Language!$A$473)","v":"Accident Year"}]
[null,null,null,null,null,null,2019,2018,2017,2016,2015,"Input year into cells G264 - K264 Example: 2020"]
[null,null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B$474, Language!$A$474)","v":"Most Recent"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B$475, Language!$A$475)","v":"First Prior"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B$476, Language!$A$476)","v":"Second Prior"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B$477, Language!$A$477)","v":"Third Prior"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B$478, Language!$A$478)","v":"Fourth Prior"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B376, Language!$A$376)","v":"Bodily Injury"},null,null,null,null,null,null,null,null,null,null,null,"need table for prior"]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B377, Language!$A$377)","v":"Property Damage"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B378, Language!$A$378)","v":"Direct Compensation - Property Damage"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B379, Language!$A$379)","v":"Accident Benefits"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B380, Language!$A$380)","v":"Uninsured Auto"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B381, Language!$A$381)","v":"Health Services Levy"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B383, Language!$A$383)","v":"Collision"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B384, Language!$A$384)","v":"Comprehensive"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B385, Language!$A$385)","v":"Specified Perils"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B386, Language!$A$386)","v":"All Perils"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B387, Language!$A$387)","v":"SEF 44"}]
[]
["B",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B482, Language!$A$482)","v":"Losses"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B483, Language!$A$483)","v":"Are losses considered together with ALAE?"},null,null,null,null,null,"Yes","Has there been any change since prior filing?",null,null,null,null,"No"]
[null,"If yes,  provide details on change and rationale:",null,null,"test"]
[null,"Select Data Type:",null,"Accident Year",null,"If \"Other\", Provide details",null,"test"]
[null,{"$f":"I278","v":"Has there been any change since prior filing?"},null,null,"No","If yes, provide details on change and rationale"]
["Details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"finished font check to here"]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B489, Language!$A$489)","v":"Table 19 - Loss Experience/Source Table"}]
["Please complete table below:"]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B490, Language!$A$490)","v":"Loss Development"},null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B491, Language!$A$491)","v":"Loss Trends"}]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B492, Language!$A$492)","v":"Company"},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B493, Language!$A$493)","v":"Industry"},null,null,{"$f":"D287","v":"Company"},null,{"$f":"F287","v":"Industry"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B494, Language!$A$494)","v":"Data being relied on?"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B495, Language!$A$495)","v":"Experience Period"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B496, Language!$A$496)","v":"Valuation Dates"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B497, Language!$A$497)","v":"Source of Data"}]
[]
[null,"Loss Data: ",null,null,null,"Gross",null,"of salvage and subrogation.",null,null,null,"Is this a change from prior filing?",null,null,"No"]
[]
["B.1",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B499, Language!$A$499)","v":"Projection of Losses to Ultimate"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B502, Language!$A$502)","v":"Are the sections of the Report of Appointed Actuary included, which contains the New Brunswick information pertinent to this filing on an undiscounted basis? For example, if the New Brunswick Bodily Injury data is included as part of the Atlantic Canada Bodily Injury line of business in the Report of Appointed Actuary; provide the Atlantic Canada Bodily Injury section of the Report of Actuary."}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B503, Language!$A$503)","v":" If credibility procedures are used in loss development, the selection of the credibility criterion should be disclosed.  The application of the credibility standard should be presented, and the complement of credibility should be disclosed and supported."}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B504, Language!$A$504)","v":"The general approach to estimating loss trend can be expected to remain reasonably constant over the years for an insurer "}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B505, Language!$A$505)","v":"Has there been a change in the  general approach to loss development from prior filings?   "}]
[null,"If yes, provide details below:"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B509, Language!$A$509)","v":"A rate change derived using the previous methodology must be provided for sensitivity purposes. "}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B513, Language!$A$513)","v":"Table 20 - Loss Development Factors Table"}]
["Please complete table below:"]
[null,null,"Input year into cells F309-J309 Example: 2020",null,null,{"$f":"'Analyst Review'!B543","v":0},{"$f":"'Analyst Review'!C543","v":0},{"$f":"'Analyst Review'!D543","v":0},{"$f":"'Analyst Review'!E543","v":0},{"$f":"'Analyst Review'!F543","v":0}]
[null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B826, Language!$A$515)","v":"Current "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B827, Language!$A$516)","v":"Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B828, Language!$A$517)","v":"2nd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B829, Language!$A$518)","v":"3rd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B830, Language!$A$519)","v":"4th Prior "}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B825, Language!$A$514)","v":"Coverage"},null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B831, Language!$A$520)","v":"Loss Development Factors"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B832, Language!$A$521)","v":"Bodily Injury"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B833, Language!$A$522)","v":"Property Damage"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B834, Language!$A$523)","v":"Direct Compensation- Property Damage"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B835, Language!$A$524)","v":"Accident Benefits"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B836, Language!$A$525)","v":"Funeral"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B837, Language!$A$526)","v":"Death"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B838, Language!$A$527)","v":"Medical"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B839, Language!$A$528)","v":"Disability"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B840, Language!$A$529)","v":"Uninsured"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B841, Language!$A$530)","v":"Collision"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B842, Language!$A$531)","v":"Comprehensive"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B843, Language!$A$532)","v":"Specified Perils"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B844, Language!$A$533)","v":"All Perils"}]
[null,null,"SEF 44"]
[]
["Table 13 Ultimate Incurred Losses ($000s)$"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$408, Language!$A$408)","v":"* Ultimate incurred losses should be developed with LDFs but before trends."}]
[null,null,"Input year into cells F329-J329 Example: 2020"]
[null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!C254, Language!$A$515)","v":"Current "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!C255, Language!$A$516)","v":"Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!C256, Language!$A$517)","v":"2nd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!C257, Language!$A$518)","v":"3rd Prior "},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!C78, Language!$A$519)","v":"4th Prior "}]
[null,null,"Coverage "]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B77, Language!$A$521)","v":"Bodily Injury"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B261, Language!$A$522)","v":"Property Damage"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B262, Language!$A$523)","v":"Direct Compensation- Property Damage"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B79, Language!$A$524)","v":"Accident Benefits"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!#REF!, Language!$A$525)","v":"Funeral"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B82, Language!$A$526)","v":"Death"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B83, Language!$A$527)","v":"Medical"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B84, Language!$A$528)","v":"Disability"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B85, Language!$A$529)","v":"Uninsured"}]
[null,null,"HSL"]
[null,null,"Total Mandatory"]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B86, Language!$A$530)","v":"Collision"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B87, Language!$A$531)","v":"Comprehensive"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B88, Language!$A$532)","v":"Specified Perils"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B89, Language!$A$533)","v":"All Perils"}]
[null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B88, Language!$A$534)","v":"SEF 44"}]
[null,null,"Total Optional"]
[null,null,"All Coverages"]
[]
["B.2",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B535, Language!$A$535)","v":"Loss Trends"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B539, Language!$A$539)","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? "}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[null,{"$f":"Language!A509","v":"A rate change derived using the previous methodology must be provided for sensitivity purposes. "}]
[null,"Results of sensitivity testing"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B522, Language!$A$554)","v":"Table 22 Loss Trends Source Table"},"Data"]
["Please complete table below: "]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B523, Language!$A$555)","v":"Source of Data:"},null,null,null,null,null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B524, Language!$A$556)","v":"As of Date"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B527, Language!$A$559)","v":"What date has been used to distinguish between past and future trend?"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B528, Language!$A$560)","v":"Provided the date to which past trend is applied."}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B529, Language!$A$561)","v":"Provide the date to which the future trend is applied."}]
[null,"Has the basis of selection changed from the prior filing? Examples - Different model, different time period?",null,null,null,null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[null,"In regard to extreme data points/outliers was there any outlier test used in the trend analysis? ",null,null,null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B532, Language!$A$543)","v":"Table 21 - Annual Trends Table"}]
["Prior Filing ",null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B364, Language!$A$376)","v":"Bodily Injury"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B507, Language!$A$522)","v":"Property Damage"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B508, Language!$A$523)","v":"Direct Compensation- Property Damage"},"TPL",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B509, Language!$A$524)","v":"Accident Benefits"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B517, Language!$A$529)","v":"Uninsured"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B533, Language!$A$546)","v":"Health Services Levy"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B518, Language!$A$530)","v":"Collision"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B519, Language!$A$531)","v":"Comprehensive"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B520, Language!$A$532)","v":"Specified Perils"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B521, Language!$A$533)","v":"All Perils"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B522, Language!$A$534)","v":"SEF 44"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B534, Language!$A$547)","v":"Historical Loss Cost Trend"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B535, Language!$A$548)","v":"Future Loss Cost Trend"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B536, Language!$A$549)","v":"Historical Frequency Trend"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B537, Language!$A$550)","v":"Future Frequency Trend"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B538, Language!$A$551)","v":"Historical Severity Trend"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B539, Language!$A$552)","v":"Future Severity Trend"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B541, Language!$A$553)","v":"Premium Trend"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B543, Language!$A$543)","v":"Table 21 - Annual Trends Table"}]
["Please complete table below: "]
["Current Filing",null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B376, Language!$A$376)","v":"Bodily Injury"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B522, Language!$A$522)","v":"Property Damage"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B523, Language!$A$523)","v":"Direct Compensation- Property Damage"},"TPL",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B524, Language!$A$524)","v":"Accident Benefits"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B529, Language!$A$529)","v":"Uninsured"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B546, Language!$A$546)","v":"Health Services Levy"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B530, Language!$A$530)","v":"Collision"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B531, Language!$A$531)","v":"Comprehensive"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B532, Language!$A$532)","v":"Specified Perils"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B533, Language!$A$533)","v":"All Perils"},{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B534, Language!$A$534)","v":"SEF 44"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B547, Language!$A$547)","v":"Historical Loss Cost Trend"},null,null,0.01,0.02,0.03,0.04,0.05,0.06,7.0000000000000007E-2,0.08,0.09,0.01,0.02,0.03]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B548, Language!$A$548)","v":"Future Loss Cost Trend"},null,null,0.01,0.02,0.03,0.04,0.05,0.06,7.0000000000000007E-2,0.08,0.09,0.01,0.02,0.03]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B549, Language!$A$549)","v":"Historical Frequency Trend"},null,null,0.01,0.02,0.03,0.04,0.05,0.06,7.0000000000000007E-2,0.08,0.09,0.01,0.02,0.03]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B550, Language!$A$550)","v":"Future Frequency Trend"},null,null,0.01,0.02,0.03,0.04,0.05,0.06,7.0000000000000007E-2,0.08,0.09,0.01,0.02,0.03]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B551, Language!$A$551)","v":"Historical Severity Trend"},null,null,0.01,0.02,0.03,0.04,0.05,0.06,7.0000000000000007E-2,0.08,0.09,0.01,0.02,0.03]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B552, Language!$A$552)","v":"Future Severity Trend"},null,null,0.01,0.02,0.03,0.04,0.05,0.06,7.0000000000000007E-2,0.08,0.09,0.01,0.02,0.03]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B553, Language!$A$553)","v":"Premium Trend"},null,null,0.01,0.02,0.03,0.04,0.05,0.06,7.0000000000000007E-2,0.08,0.09,0.01,0.02,0.03]
[]
["Bodily Injury ",null,null,{"$f":"D394","v":"Rate Indication"},null,{"$f":"B163","v":0},"Rate Selection",null,{"$f":"B193","v":0}]
[{"$f":"A369","v":"Historical Loss Cost Trend"},null,{"$f":"A370","v":"Future Loss Cost Trend"},null,{"$f":"A371","v":"Historical Frequency Trend"},null,{"$f":"A372","v":"Future Frequency Trend"},null,{"$f":"A373","v":"Historical Severity Trend"},null,{"$f":"A374","v":"Future Severity Trend"},null,{"$f":"A375","v":"Premium Trend"}]
[{"$f":"D369","v":0},null,{"$f":"D370","v":0},null,{"$f":"D371","v":0},null,{"$f":"D372","v":0},null,{"$f":"D373","v":0},null,{"$f":"D374","v":0}]
["R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2"]
["Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period"]
[]
["Property Damage",null,null,"Rate Indication",null,{"$f":"C163","v":0},"Rate Selection",null,{"$f":"C193","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"E369","v":0},null,{"$f":"E370","v":0},null,{"$f":"E371","v":0},null,{"$f":"E372","v":0},null,{"$f":"E373","v":0},null,{"$f":"E374","v":0}]
["R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2"]
["Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period"]
[]
["Direct Compensation - Propery Damage",null,null,"Rate Indication",null,{"$f":"D163","v":0},"Rate Selection",null,{"$f":"D193","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"F369","v":0},null,{"$f":"F370","v":0},null,{"$f":"F371","v":0},null,{"$f":"F372","v":0},null,{"$f":"F373","v":0},null,{"$f":"F374","v":0},null,{"$f":"F375","v":0}]
["R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2"]
["Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period"]
[]
["Accident Benefits",null,null,"Rate Indication",null,{"$f":"E163","v":0},"Rate Selection",null,{"$f":"E193","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"H380","v":0.05},null,{"$f":"H381","v":0.05},null,{"$f":"H382","v":0.05},null,{"$f":"H383","v":0.05},null,{"$f":"H384","v":0.05},null,{"$f":"H385","v":0.05},null,{"$f":"H386","v":0.05}]
["R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2"]
["Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period"]
[]
["Uninsured Auto",null,null,"Rate Indication",null,{"$f":"F163","v":0},"Rate Selection",null,{"$f":"F193","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"I380","v":0.06},null,{"$f":"I381","v":0.06},null,{"$f":"I382","v":0.06},null,{"$f":"I383","v":0.06},null,{"$f":"I384","v":0.06},null,{"$f":"I385","v":0.06}]
["R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2"]
["Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period"]
[]
["Collision",null,null,"Rate Indication",null,{"$f":"I163","v":0},"Rate Selection",null,{"$f":"I193","v":0},null,null,null,"Board Decision Point"]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"K380","v":0.08},null,{"$f":"K381","v":0.08},null,{"$f":"K382","v":0.08},null,{"$f":"K383","v":0.08},null,{"$f":"K384","v":0.08},null,{"$f":"K385","v":0.08},null,{"$f":"K386","v":0.08}]
["R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2"]
["Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period"]
[]
["Comprehensive",null,null,"Rate Indication",null,{"$f":"J163","v":0},"Rate Selection",null,{"$f":"J193","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"L380","v":0.09},null,{"$f":"L381","v":0.09},null,{"$f":"L382","v":0.09},null,{"$f":"L383","v":0.09},null,{"$f":"L384","v":0.09},null,{"$f":"L385","v":0.09},null,{"$f":"L386","v":0.09}]
["R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2"]
["Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period"]
[]
["Underinsured Motorist",null,null,"Rate Indication",null,{"$f":"M163","v":0},"Rate Selection",null,{"$f":"M193","v":0}]
["Historical Loss Cost Trend",null,"Future Loss Cost Trend",null,"Historical Frequency Trend",null,"Future Frequency Trend",null,"Historical Severity Trend",null,"Future Severity Trend",null,"Premium Trend"]
[{"$f":"O380","v":0.03},null,{"$f":"O381","v":0.03},null,{"$f":"O382","v":0.03},null,{"$f":"O383","v":0.03},null,{"$f":"O384","v":0.03},null,{"$f":"O385","v":0.03}]
["R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2",null,"R2"]
["Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period",null,"Trend Experience Period"]
[]
["B.3",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B562, Language!$A$562)","v":"Treatment of Large Losses"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B564, Language!$A$564)","v":"Are Large Losses capped?"},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B565, Language!$A$565)","v":"At what amount?"}]
["Has there been a change from previous filings?",null,null,null,null,"If Yes, Provide details:"]
[]
["B.4",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B568, Language!$A$568)","v":"CAT Loading"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B568, Language!$A$568)","v":"CAT Loading"},null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!#REF!, Language!$A$571)","v":"Amount"},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
["Has there been a change from previous filings?",null,null,null,null,"If Yes, Provide details:"]
[]
["B.5",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B572, Language!$A$572)","v":"Other Adjustments -  For example, the filing must clearly indicate the approach taken to account for the impact of product changes such as the July 2013 changes to the MIR."}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B573, Language!$A$573)","v":"MIR"},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!#REF!, Language!$A$571)","v":"Amount"},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!A332, Language!$A$332)","v":"Other:"},null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
["C",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B575, Language!$A$575)","v":"Allocated Loss Adjustment Expenses (ALAE)"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B576, Language!$A$576)","v":"Are allocated loss adjustment expenses included with incurred losses?"},null,null,null,null,null,null,"Ratio",null,{"$f":"A442","v":"Has there been a change from previous filings?"}]
[null,"If Yes, Provide details:",null,"Details"]
[]
["D",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B577, Language!$A$577)","v":"Unallocated Loss Adjustment Expenses (ULAE)"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B580, Language!$A$580)","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? "},null,null,null,null,null,null,null,"If Yes, Provide details below:"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B542, Language!$A$542)","v":"For sensitivity purposes, a rate change derived using the previous methodology must be provided. Please indicate if this sensitivity analysis has been provided."},null,null,null,null,null,null,null,null,null,"Has a sensitivity Test been provided"]
[]
["E",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B582, Language!$A$582)","v":"Premium"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B584, Language!$A$584)","v":"Experience Period"},null,null,null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B585, Language!$A$585)","v":"Source of Premium Data"}]
[null,"Has there been a change from previous filing?",null,null,null,"If Yes, Provide details:",null,"Details"]
[]
["E.1",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B586, Language!$A$586)","v":"On Level Adjustment"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B587, Language!$A$587)","v":" All premiums used in the filing must be adjusted for all rate changes previously approved by the NBIB. If using a  loss ratio approach to ratemaking, earned premium must be adjusted to the level of the present rates by using an appropriate on-level procedure.  Display both the unadjusted and the adjusted premiums should be displayed."}]
[null,"What is the display?"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B588, Language!$A$588)","v":" Are  on-level adjustments  made by means of a factor approach (e.g., parallelogram)? "}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B589, Language!$A$589)","v":"Are on-level adjustments made by means of calculating premiums at present rates through computer re-rating of policies (i.e. extension of exposures)? If yes, a description of the process should be provided with a comparison of the results to the results obtained using the parallelogram method.  Any significant difference should be explained."}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B590, Language!$A$590)","v":"Table 23 Prior Filings Table"}," The insurer's history of rate changes for each coverage for the prior five years should becompleted in worksheet Table 20. "]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B570, Language!$A$598)","v":"* Last five approved rate level changes excluding updates to rate group tables"}]
["Please complete table below:"]
[{"$f":"G6","v":"Billing Number"}]
["Type of Filing",null,"RFG","RFG - 1 Major Rate Filing",null,null,"RFG - 1 Major Rate Filing",null,null,"RFG - 1 Major Rate Filing",null,null,"RFG - 1 Major Rate Filing"]
[null,null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B591, Language!$A$591)","v":"Prior Filing"},null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B592, Language!$A$592)","v":"2nd Prior Filing"},null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B593, Language!$A$593)","v":"3rd Prior Filing"},null,null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B594, Language!$A$594)","v":"4th Prior Filing"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B10, Language!$A$10)","v":"Date of Filing:"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B26, Language!$A$26)","v":"New Business"}]
[{"$f":"Language!A27","v":"Renewal Business"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B472, Language!$A$472)","v":"Coverage"},null,null,"Indicated","Selected","Board Approved","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved"]
[{"$f":"D265","v":"Bodily Injury"},null,null,0.01,0.09,0.02,0.01,0.02,0.03,0.01,0.02,0.03,0.01,0.02,0.03]
["Property Damage"]
["Direct Compensation - Property Damage"]
["Accident Benefits"]
["Uninsured Auto"]
["Health Services Levy"]
[{"$f":"H97","v":"Total Mandatory Coverage"}]
[{"$f":"D271","v":"Collision"}]
[{"$f":"D272","v":"Comprehensive"}]
[{"$f":"D273","v":"Specified Perils"}]
[{"$f":"D274","v":"All Perils"}]
[{"$f":"D275","v":"SEF 44"}]
[{"$f":"N97","v":"Total Optional Coverage"}]
[]
["All Coverages Combined Before Capping"]
["Capping in place? Yes/no"]
["All Coverages   Combined After Capping"]
["If any cells left blank  please provide comment"]
[]
["E.2",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B600, Language!$A$600)","v":"Premium Trend"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B602, Language!$A$602)","v":"Is there a consideration for Premium Trend included in this filing?"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
["E.3","Finance Fees"]
[null,"Finance fees or charges (i.e., revenues) collected through premium instalment plans, as well as any associated costs (e.g., administrative costs, estimate of “bad debt”/credit risk costs), should be separately identified, both as a dollar amount and as a percentage of premiums. Premium payment patterns may be adjusted for policies with premium instalment plans. For these policies, the delay in collection of premium should be documented and a factor applied."]
[null,"Does your company offer premium financing options to policyholders?",null,null,null,null,null,null,"If yes, what option is available"]
[null,"Does your company receive additional revenue from premium financing options (either directly or as a result of facilitating the financing option)?"]
[null,"If yes, select the finance fee type",null,null,null,null,"If Other selected, provide details here"]
[null,"What is the amount of the Flat Fee",null,null,null,null,"What is the percentage of premium amount?"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"},"Post dated cheque option - $10 service charge, PAC 3% finance charge"]
[null,"In addition, if the company is facilitating premium finance arrangements through a third party, disclose the additional revenue received (e.g., finders fees)."]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
["Table 27 - Revenues from Premium Financing Arrangements "]
["Please complete table below:"]
[null,null,null,null,null,"Estimated Historical Annual Additional Revenue (Dollar)",null,null,"Estimated Historical Annual Additional Revenue (% of total written premium)"]
[null,"Input year into cells F514 -  K514  Example: 2020"]
[null,"Type of Arrangement",null,"Expected Policyholder Take-Up (% of total)",null,"Most Recent","First Prior","Second Prior","Most Recent","First Prior","Second Prior"]
[null,"e.g. Monthly Pay Plan"]
[]
[]
[null,"Total"]
[]
[null,"Are the additional revenue associated with premium financing explicitely recognized in the derivation of the rate indications?"]
[null,"If yes:","are finance fee revenues included as an additional percentage of premiums",null,null,null,"or",null,"a reduction to the expense provision"]
[null,"If no, please explain."]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[null,"In this filing, are premium payment patterns adjusted for policies with premium instalment plans?"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[null,"Are there any other adjustments to the premium ?  "]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
["Table 28- Additional Expenses from Premium Financing Arrangements - (i.e., not already included in Other General Expenses) ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"If yes, which section and subsection contain the details?"]
["Please complete table below:"]
[null,null,null,null,null,"Estimated Historical Annual Additional Expenses (Dollar)",null,null,"Estimated Historical Annual Additional Expenses (% of total written premium)"]
[null,"Input year into cells F527 - K527 Example: 2020",null,null,null,null,null,null,null,null,null,"Input year into cells E318-  318  example 2020"]
[null,"Type of Arrangement",null,"Type of expense",null,"Most Recent","First Prior","Second Prior","Most Recent","First Prior","Second Prior"]
[null,"e.g. Monthly Pay Plan"]
[]
[]
[null,"Total"]
[null,"Are the additional expenses associated with premium financing explicitely recognized in the derivation of the rate indications?"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
["F",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B606, Language!$A$606)","v":"Other Expenses"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B609, Language!$A$609)","v":"Is there an expense provision established in respect of the Facility Association Residual Market?   "}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B610, Language!$A$610)","v":"Is the Risk Sharing Pool treated as direct business and therefore reflected in the direct loss and premium data."}]
[]
["F.1",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B611, Language!$A$611)","v":"Exposure Variable Expenses (Fixed)"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B612, Language!$A$612)","v":" Are there some expenses that are expected to vary in relationship to the number of units insured (exposures) rather than in relationship to the premium volume?"},null,null,null,null,null,null,null,null,null,null,"What percentage of premium is the fixed expense?"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
["F.2",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B614, Language!$A$614)","v":"Premium Variable Expenses (Variable)"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B615, Language!$A$615)","v":" Are there some expenses that are expected to vary in relationship to the premium volume rather than in relationship to the number of units insured?"},null,null,null,null,null,null,null,null,null,null,"What percentage of premium is the premium variable expense?"]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B617, Language!$A$617)","v":"Table 24 - Expense Table"}]
["Please complete table below"]
[null,"Expenses",null,null,null,null,"Current Year","Prior Year",null,null,null," If any cells in table 24 are left blank, provide reason here:"]
[null,"Input year into cells G557-  K557 Example: 2020"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B618, Language!$A$618)","v":"Regular Commission "}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B619, Language!$A$619)","v":"Contingent Commission"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B620, Language!$A$620)","v":"Premium Taxes"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B621, Language!$A$621)","v":"Other General Expenses (Excluding Health Services Levy)"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B622, Language!$A$622)","v":"ULAE as % of Premiums"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B623, Language!$A$623)","v":"Total Expenses (Excluding Health Services Levy) as % of Premium"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B624, Language!$A$624)","v":"Health Services Levy as % of TPL and AB Premiums"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B625, Language!$A$625)","v":"Reinsurance Charges"}]
["Comments"]
[]
["G",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B626, Language!$A$626)","v":"Profit Provision"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B632, Language!$A$632)","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? If yes, provide support"}]
[null,"Has there been a change in the approach?",null,null,null,null,"Has there been a change in the underlying data?"]
[null,"INPUT YEAR:"]
[null,"a.)",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B635, Language!$A$635)","v":" expense ratios"},null,null,null,null,null,"If yes, provide overall indication using prior methodology"]
[null,"b.)",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B636, Language!$A$636)","v":" profit allowance"}]
[null,"c.)",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B637, Language!$A$637)","v":" permissible claim ratio"}]
[]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B638, Language!$A$638)","v":"Table 25 - Profit Tables"}]
["Please complete table below:"]
[null," ",null,null,null,null,"Current Year","prior","2nd prior","3rd prior","4th prior","5th prior"," If any cells in table 24 are left blank, provide reason here:"]
[null,"INPUT YEAR:",null,null,null,null,null,null,null,null,null," "]
[null,"Target Return on Equity Current Filing",null,null,null,null,0.12]
[null,"Discount Rate - Policyholders Fund",null,null,null,null,1.7500000000000002E-2]
[null,"Discount Rate - Stockholder Fund (Equity)",null,null,null,null,1.7500000000000002E-2]
[null,"Premium to Surplus Ratio",null,null,null,null,2]
[null,"Income Tax Rate",null,null,null,null,0.28999999999999998]
[null,"Permissible Loss Ratio",null,null,null,null,0.58250000000000002]
[null,"ROE Implied by Selected Rate Change Current Filing",null,null,null,null,3.4700000000000002E-2]
[null,"Expected U/W Profit",null,null,null,null,5.8000000000000003E-2]
[null,"Target Return on Premium ",null,null,null,null,7.5800000000000006E-2]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!H662, Language!$A$649)","v":"ROP Implied by Selected Rate Change"},null,null,null,null,1.61E-2]
[]
["H",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B653, Language!$A$653)","v":"Credibility"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B654, Language!$A$654)","v":"Is the New Brunswick experience of the insurer of sufficient volume to produce stable overall province-wide rate level indications that are actuarially credible?  "}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B659, Language!$A$659)","v":"Has there been any change in the credibility standard or procedure, from the prior rate filing ?"}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
["I",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B661, Language!$A$661)","v":"Other Adjustments"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$449, Language!$A$449)","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? "},null,null,null,null,null,null,null,null,null,"No"]
[]
[]
["J",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B664, Language!$A$664)","v":"Summary Rate Level Indications"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B665, Language!$A$665)","v":" Summary sheets must be provided showing how the data combines with the adjustments and provisions outlined in subsections (b.) - (i.).  The insurer may use forms that are relevant to its particular situation.  The indicated rate change should be based on at least three consecutive years of the most recent actual experience.  An appropriate weight should be applied to each year based on actuarial judgement.  If these weights are different from the insurer's prior filing, the change must be disclosed, explained, and supported."}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
["K",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B666, Language!$A$666)","v":"Territorial Indications"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B667, Language!$A$667)","v":" If a company chooses to deviate from the existing 11 territorial boundaries, they must continue to use these new territorial boundaries for a minimum of three (3) years."}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B668, Language!$A$668)","v":" All territories must be of consistent geographic areas that are contiguous i.e., have a common boundary.  Territories are intended to measure risk characteristics such as road conditions, vehicle density, speed limits, crime rates, and terrain and weather conditions.  There must be some common underlying characteristics in defining the territory, and therefore it is logical that a territory should be comprised of contiguous geographical areas.  A single common point is not considered contiguous."}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B669, Language!$A$669)","v":" In establishing territorial rates, large claims should be capped.  So that large claims do not distort the underlying analysis of loss costs, and to avoid rate instability, large claims should be capped, subject to actuarial considerations."}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B670, Language!$A$670)","v":"If applicable, please provide details"}]
[]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B671, Language!$A$671)","v":"Compliant with all of above?"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B672, Language!$A$672)","v":"Are territories definied the same as the eleven (11) in the statistical plan? If no, show current rate, proposed rate and the rate change for each of its actual pricing territories in addition to the existing eleven territories defined by the statistical plan in each rating profile."}]
[null,"Haw many rating territories?",null,null,"If not, the 11 statistical territories, when were these introduced?",null,null,null,null,"Contigious",null,null,"Large claims capped?"]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B673, Language!$A$673)","v":"Is a common territorial definition used for all coverages? While data should be examined separately by major coverages, there should be a common territorial definition that the insurer uses for all coverages.    "}]
[{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!$B$451, Language!$A$451)","v":"Details"}]
[]
["K.1",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B674, Language!$A$674)","v":"Indicated Differentials"}]
[null,{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B676, Language!$A$676)","v":" A comparison of current indicated, and proposed territorial differentials must be provided for each coverage for which rates are changing by territory.  Included in this should be the written premium distribution and the exposure distribution by coverage, by territory."}]
[]
["K.2",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B677, Language!$A$677)","v":"Off-balance"}]
[null,{"$f":"B647","v":"Off-balance"},null,null,"Percentage impact of Off-balance"]
[{"$f":"A595","v":"Details"}]
[]
["L",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B681, Language!$A$681)","v":"Classification/Limit of Liability/Deductible or other rate differential Indications"}]
[]
["L.1",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B682, Language!$A$682)","v":"Indicated Differentials"}]
[null,{"$f":"Language!A685","v":"A comparison of current, indicated and proposed differentials must be provided for each coverage for which classification, limit of liability, deductible, or other rate differentials are changing.  Included in this should be the written premium distribution and the exposure distribution by classification, limit of liability, deductible or other rate differential."}]
[null,{"$f":"Language!A686","v":"If credibility procedures are used, they must be disclosed in the same detail as outlined in subsection (H)"}]
[null,{"$f":"Language!A687","v":"Has the general approach to calculating rate differentials remained reasonably constant over the years? Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported.The insurer should test for and avoid reversals in its proposed differentials."}]
[]
["L.2",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B677, Language!$A$677)","v":"Off-balance"}]
[null,{"$f":"Language!A691","v":"Off-balance calculations should be based on the insurer's own distributions of business by classification, limit of liability, deductible, or other rate differential.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of it applicability in the instant circumstances."}]
[null,"Compliant with above?",null,null,null,{"$f":"B621","v":"Off-balance"},null,null,null,"Percentage impact of Off-balance"]
[null,{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B520, [8]Language!$A$511)","v":"Has the general approach to calculating the off-balance remained reasonably constant over the years?  Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported."}]
[]
["M",{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B521, [8]Language!$A$512)","v":"Discounts/Surcharges"}]
[]
["M.1",{"$f":"IF('[8]Start Here NBIB Cover Sheet'!$H$3 = '[8]Drop Down'!$A$5, [8]Language!B522, [8]Language!$A$513)","v":"Indicated Discounts or Surcharges"}]
[null,{"$f":"Language!A698","v":" The insurer's own loss data should be used to the extent possible.  If the insurer finds it necessary to rely on outside data or a different source of company data, the insurer must identify the source of the data and provide an explanation of its applicability.  All data used in the process of developing the indicated discounts or surcharges based on group membership should be exhibited and labelled.  "}]
[null,"Was data other than the insurer's used to  develop or price  any discounts or surcharges?",null,null,null,null,null,"N/A","If yes, Please provide details below."]
["Details"]
[null,{"$f":"Language!A699","v":" A comparison of current, indicated and proposed discounts or surcharges must be provided for each coverage when a change is proposed. Included in this should be the written premium distribution and the exposure distribution by discounts or schedule of rates."}]
[null,"Has there been any change in the methodology ?"]
[null,"Have details been provided in the Rule change Sheet?"]
[]
[]
["M.2",{"$f":"IF('Step 1 Non-Confidential'!$H$2 = 'Drop Down'!$A$5, Language!B677, Language!$A$677)","v":"Off-balance"}]
[null,{"$f":"Language!A701","v":" The aggregate premium may be increased or decreased through the introduction of new discounts or surcharge, or by changes to existing ones.  The filing must account for these changes through the use of off-balance procedures or by accounting for the premium change in its rate level.  In the event that the change in discount or surcharge is not off-balanced and instead a rate level change is generated, subsections (a.) - (j.) must also be completed."}]
[null,{"$f":"Language!A704","v":" Off-balance calculations should be based on the insurer's own distribution of business for group discounts or surcharges.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of its applicability in the circumstances. "}]
[null,"Was data other than the insurer's used to  develop or price  any discounts or surcharges?",null,null,null,null,null,"N/A","If yes, Please provide details below."]
[null,{"$f":"Language!A705","v":"Has the general approach to calculating the off-balance remained reasonably constant? Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported."}]
[]
[]
["N","Rating Based on Group Membership"]
[]
["N.1","Indicated Discounts or Rates for Groups"]
[null,"Are group discounts offered?"]
[null,"Provide a list of current groups with applicable discount."]

{"sheet":"Comparision to Previous","index":8,"n_rows":25,"n_cols":5,"rows_kept":25,"cut":false,"hidden":true,"merged":[[13,0,14,0],[0,0,0,3],[1,0,1,3],[2,0,2,3]]}
["Comparision to Previous"]
[{"$f":"'Step 1 Non-Confidential'!C5","v":0}]
[{"$f":"'Step 1 Non-Confidential'!I7","v":0}]
[" ","Previous Filing","Current Filing ","Rationale for Changes"," "]
["Ratemaking Methodology"]
["Trend analysis"]
["Provincial indication analysis"]
["Projection of ultimate losses "]
["Losses include ALAE "]
["Loss and Claim Development"]
["Loss Trends"]
["Premium Projections"]
["Weights"]
["Credibility"]
[]
["Discounting"]
["Expense Provision"]
["Profit Provision"]
["Premium Tax"]
["HSL"]
["Premium to surplus ratio "]
["Target after-tax ROE "]
[" CAT loss procedures"]
["Large loss "]
["HST adjustment"]

{"sheet":"Capping Cupping","index":9,"n_rows":60,"n_cols":14,"rows_kept":60,"cut":false,"hidden":false,"merged":[[61,0,61,2],[23,1,23,5],[22,1,22,5],[24,1,24,13],[25,1,25,13],[27,1,27,13],[23,6,23,13],[22,6,22,7],[29,1,29,13],[28,1,28,13],[26,1,26,13],[35,0,35,5],[38,0,38,13],[35,9,35,13],[31,1,31,13],[37,0,37,13],[35,6,35,8],[33,0,33,13],[36,0,36,13],[30,1,30,13],[1,0,1,13],[4,3,4,9],[5,3,5,9],[6,3,6,9],[7,3,7,9],[3,3,3,9],[3,0,3,2],[7,0,7,2],[5,0,5,2],[6,0,6,2],[3,10,3,12],[19,0,19,11],[21,6,21,7],[15,1,15,5],[20,1,20,5],[21,1,21,5],[15,6,15,7],[17,6,17,13],[16,6,16,13],[16,1,16,5],[17,1,17,5],[19,12,19,13],[20,6,20,7],[0,0,0,10],[10,12,10,13],[13,6,13,7],[14,6,14,7],[14,12,14,13],[12,6,12,7],[11,6,11,7],[12,1,12,5],[13,1,13,5],[14,1,14,5],[14,9,14,11],[4,0,4,2],[8,0,8,13],[9,0,9,13],[10,0,10,11],[11,1,11,5],[53,6,53,8],[55,0,55,13],[57,0,57,13],[60,0,60,13],[59,0,59,13],[56,0,56,13],[54,0,54,13],[53,0,53,5],[49,0,49,13],[51,0,51,13],[50,0,50,13],[48,0,48,13],[44,0,44,13],[41,0,41,5],[47,0,47,5],[39,0,39,13],[43,0,43,13],[45,0,45,13],[41,6,41,8],[47,6,47,8],[42,0,42,13]]}
[]
["CAPPING CUPPING "]
[]
["Company Name:",null,null,{"$f":"'Step 1 Non-Confidential'!C5","v":0},null,null,null,null,null,null,"Billing Number:",null,null,{"$f":"'Step 1 Non-Confidential'!K2","v":0}]
["Vehicle Type:",null,null,{"$f":"'Step 1 Non-Confidential'!I7","v":0},null,null,null,null,null,null,null," "]
[]
[]
[]
[]
["Table 27 - Capping/Cupping of Individual Rates"]
["Current Capping/Cupping:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!E50","v":0}]
[null,"Capping amount:"]
[null,"Cupping Amount"]
[null,"Are you continuing with current capping/cupping:"]
[null,"When was capping/cupping originally introduced:",null,null,null,null,null,null,null,"Billing number:"]
[null,"Capping/Cupping of individual rate by:"]
[null,"If other, provide comment: "]
[null,"When will capping/cupping be removed:"]
[]
["Proposed New Capping/Cupping: ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!L50","v":0}]
[null,"Capping amount:"]
[null,"Cupping Amount"]
[null,"Capping/cupping of individual rate by:"]
[null,"If other, provide comment: "]
[null,"Provide rationale as to why capping/cupping is proposed:"]
[]
[null,{"$f":"[5]Language!A130","v":"Notes or Comments - Explanation for any Dislocation >10%"}]
[]
[null,"Provide details on expected date of removal:"]
[]
[null,"Any further comment in regards to capping/cupping:"]
[]
[]
["Table 28 - Capping of Indicated"]
[]
["Capping of Indicated Rate Level"]
["Provide rationale as to why capping was implemented:"]
[]
["Provide details on how capping will be applied, amount/coverage etc.:"]
[]
[]
["Capping of Differentials:"]
["Provide rationale as to why capping was implemented:"]
[]
["Provide details on how capping will be applied, amount/coverage etc.:"]
[]
[]
["Capping of Discounts/Surcharges:"]
["Provide rationale as to why capping was implemented:"]
[]
["Provide details on how capping will be applied, amount/coverage etc.:"]
[]
[]
["Capping of Other:"]
["Provide rationale as to why capping was implemented:"]
[]
["Provide details on how capping will be applied, amount/coverage etc.:"]
[]
[]
["Any further comment in regards to capping:"]

{"sheet":"Rule or Wording Change","index":10,"n_rows":148,"n_cols":15,"rows_kept":148,"cut":false,"hidden":true,"merged":[[78,0,80,0],[78,1,80,12],[81,1,83,12],[66,1,66,12],[68,1,68,4],[68,6,68,7],[68,8,68,11],[67,0,67,12],[81,0,83,0],[77,1,77,4],[77,6,77,7],[77,8,77,11],[76,0,76,12],[60,0,62,0],[60,1,62,12],[63,0,65,0],[63,1,65,12],[69,0,71,0],[69,1,71,12],[75,1,75,12],[72,0,74,0],[72,1,74,12],[40,0,40,12],[22,0,22,12],[39,1,39,12],[13,0,13,12],[15,0,17,0],[15,1,17,12],[18,0,20,0],[59,1,59,4],[36,0,38,0],[36,1,38,12],[42,0,44,0],[42,1,44,12],[45,0,47,0],[45,1,47,12],[57,1,57,12],[59,6,59,7],[59,8,59,11],[58,0,58,12],[41,1,41,4],[41,6,41,7],[41,8,41,11],[49,0,49,12],[50,8,50,11],[50,1,50,4],[101,1,101,12],[102,1,102,12],[103,0,103,12],[85,0,85,12],[98,0,98,12],[99,1,99,4],[99,6,99,7],[99,8,99,11],[100,1,100,12],[94,1,94,4],[94,6,94,7],[94,8,94,11],[95,1,95,12],[96,1,96,12],[86,6,86,7],[86,8,86,11],[90,0,92,0],[90,1,92,12],[93,1,93,12],[87,0,89,0],[87,1,89,12],[109,8,109,11],[134,8,134,11],[133,0,133,12],[124,1,124,4],[129,6,129,7],[129,8,129,11],[128,0,128,12],[123,0,123,12],[118,0,118,12],[113,0,113,12],[124,6,124,7],[124,8,124,11],[125,1,125,12],[126,1,126,12],[119,6,119,7],[119,8,119,11],[120,1,120,12],[121,1,121,12],[122,1,122,12],[129,1,129,4],[137,1,137,12],[139,1,139,4],[139,6,139,7],[139,8,139,11],[138,0,138,12],[130,1,130,12],[131,1,131,12],[132,1,132,12],[134,1,134,4],[134,6,134,7],[9,1,11,12],[6,0,8,0],[9,0,11,0],[12,1,12,12],[14,1,14,4],[14,6,14,7],[27,1,29,12],[33,0,35,0],[33,1,35,12],[31,0,31,12],[24,0,26,0],[24,1,26,12],[27,0,29,0],[14,8,14,11],[21,1,21,12],[23,1,23,4],[23,6,23,7],[23,8,23,11],[18,1,20,12],[5,8,5,11],[5,6,5,7],[5,1,5,4],[6,1,8,12],[1,0,1,1],[1,2,1,5],[1,6,1,8],[1,9,1,12],[2,0,2,1],[2,2,2,5],[2,6,2,12],[3,0,3,12],[0,0,0,12],[4,0,4,1],[145,1,145,12],[30,1,30,12],[32,1,32,4],[32,6,32,7],[32,8,32,11],[51,0,53,0],[51,1,53,12],[84,1,84,12],[86,1,86,4],[108,0,108,12],[54,0,56,0],[54,1,56,12],[140,1,140,12],[141,1,141,12],[142,1,142,12],[144,1,144,4],[144,6,144,7],[144,8,144,11],[143,0,143,12],[135,1,135,12],[136,1,136,12],[48,1,48,12],[50,6,50,7],[146,1,146,12],[147,1,147,12],[148,0,148,12],[97,1,97,12],[104,1,104,4],[104,6,104,7],[104,8,104,11],[115,1,115,12],[116,1,116,12],[117,1,117,12],[119,1,119,4],[127,1,127,12],[110,1,110,12],[111,1,111,12],[112,1,112,12],[114,1,114,4],[114,6,114,7],[114,8,114,11],[105,1,105,12],[106,1,106,12],[107,1,107,12],[109,1,109,4],[109,6,109,7]]}
["RULE OR WORDING CHANGE"]
["Company Name:",null,{"$f":"'Step 1 Non-Confidential'!C5","v":0},null,null,null,"Billing Number:",null,null,{"$f":"'Step 1 Non-Confidential'!K2","v":0}]
["Vehicle Type:",{"$f":"'[9]Step 1 NBIB Non-Confidential'!H9","v":0},{"$f":"'Step 1 Non-Confidential'!I7","v":0}]
[]
["Proposed Changes to:\nRules, Endorsements Discounts, Surcharges"]
["Rating Rule",null,null,null,null,"Manual Page#",null,null,"% Premium Impact (existing insureds)",null,null,null,null,null,"How many exposures affected?"]
["Current Wording",null,null,null,null,null,null,null,null,null,null,null,null,null,"How will policyholders be informed?"]
[]
[]
["Proposed Wording",null,null,null,null,null,null,null,null,null,null,null,null,null,"If a significant amount of exposures will see dislocation provide dislocation tables."]
[]
[]
["Describe Change and Reasoning "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"need directions on the side"]
["U/W Rule",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)",null,null,null,null,null,"add dropdowns amending/adding/deleting"]
["Current Wording"]
[]
[]
["Proposed Wording"]
[]
[]
["Describe Change and Reasoning "]
[]
["Discount",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
[]
[]
["Proposed Wording"]
[]
[]
["Describe Change and Reasoning "]
[]
["Surcharge",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
[]
[]
["Proposed Wording"]
[]
[]
["Describe Change and Reasoning "]
[]
["Endorsement",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
[]
[]
["Proposed Wording"]
[]
[]
["Describe Change and Reasoning "]
[]
["Rating Rule",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
[]
[]
["Proposed Wording"]
[]
[]
["Describe Change and Reasoning "]
[]
["U/W Rule",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
[]
[]
["Proposed Wording"]
[]
[]
["Describe Change and Reasoning "]
[]
["Discount",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
[]
[]
["Proposed Wording"]
[]
[]
["Describe Change and Reasoning "]
[]
["Surcharge",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
[]
[]
["Proposed Wording"]
[]
[]
["Describe Change and Reasoning "]
[]
["Endorsement",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
[]
[]
["Proposed Wording"]
[]
[]
["Describe Change and Reasoning "]
["Rating Rule",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]
[]
["U/W Rule",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]
[]
["Discount",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]
[]
["Surcharge",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]
[]
["Endorsement",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]
[]
["Rating Rule",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]
[]
["Rating Rule",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]
[]
["U/W Rule",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]
[]
["Discount",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]
[]
["Surcharge",null,"Manual Page#",null,"% Premium Impact (existing insureds)","Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]
[]
["Endorsement",null,null,null,null,"Manual Page#",null,null,"% Premium Impact (existing insureds)"]
["Current Wording"]
["Proposed Wording"]
["Describe Change and Reasoning "]

{"sheet":"Maps","index":11,"n_rows":7,"n_cols":13,"rows_kept":7,"cut":false,"hidden":false,"merged":[[6,1,12,5],[0,0,0,13],[1,0,1,2],[1,3,1,8],[1,9,1,11],[1,12,1,13],[2,0,2,2],[2,3,2,8],[2,9,2,13],[3,0,3,14],[4,0,4,13]]}
["MAPS"]
["Company Name:",null,null,{"$f":"'Step 1 Non-Confidential'!C5","v":0},null,null,null,null,null,"Billing Number:",null,null,{"$f":"'Step 1 Non-Confidential'!K2","v":0}]
["Vehicle Type:",null,null,{"$f":"'Step 1 Non-Confidential'!I7","v":0},null,null,null,null,null," "]
[]
["Provide Map of rating territories if not using the 11 statistical territories."]
[]
[null,"insert here "]

{"sheet":"Credit Score Initlal Filing","index":12,"n_rows":234,"n_cols":4,"rows_kept":234,"cut":false,"hidden":true,"merged":[[38,0,38,13],[48,0,48,13],[0,0,0,13],[2,0,2,13],[4,0,4,13],[5,1,5,13],[6,0,6,13],[7,0,7,13],[8,0,8,13],[10,0,10,13],[12,0,12,13],[14,0,14,13],[9,0,9,13],[39,0,39,13],[41,0,41,13],[45,0,45,13],[43,0,43,13],[47,0,47,13],[46,0,46,13],[44,0,44,13],[42,0,42,13],[40,0,40,13],[13,0,13,13],[26,0,26,13],[67,1,67,13],[61,0,61,13],[62,1,62,13],[63,1,63,13],[64,1,64,13],[65,1,65,13],[66,1,66,13],[68,0,68,13],[73,0,73,13],[142,15,142,24],[143,1,143,13],[144,1,144,13],[145,1,145,13],[146,1,146,13],[147,1,147,13],[148,1,148,13],[98,1,98,13],[100,1,100,13],[102,0,102,13],[104,1,104,13],[105,3,105,13],[106,1,106,13],[107,1,107,13],[108,3,108,13],[109,3,109,13],[110,3,110,13],[132,0,132,13],[111,3,111,13],[112,3,112,13],[114,0,114,13],[115,0,115,13],[117,0,117,13],[118,0,118,13],[139,0,139,13],[169,1,169,13],[170,1,170,13],[171,0,171,13],[172,1,172,13],[173,1,173,13],[174,1,174,13],[175,1,175,13],[176,1,176,13],[152,0,152,13],[172,0,176,0],[35,1,35,13],[37,1,37,13],[34,1,34,13],[36,1,36,13],[33,0,33,13],[160,1,160,13],[162,1,162,13],[163,1,163,13],[164,0,164,13],[123,0,123,13],[124,0,124,13],[125,0,125,13],[126,0,126,13],[127,0,127,13],[128,0,128,13],[129,0,129,13],[130,0,130,13],[131,0,131,13],[133,0,133,13],[134,0,134,13],[135,0,135,13],[136,0,136,13],[137,0,137,13],[138,0,138,13],[15,1,15,13],[17,1,17,13],[19,1,19,13],[21,1,21,13],[23,1,23,13],[25,0,25,13],[27,0,27,13],[29,0,29,13],[31,0,31,13],[16,1,16,13],[18,1,18,13],[20,1,20,13],[22,1,22,13],[24,1,24,13],[15,0,24,0],[76,1,76,13],[77,1,77,13],[78,1,78,13],[79,1,79,13],[80,1,80,13],[82,0,82,13],[84,0,84,13],[85,0,85,13],[49,0,49,13],[51,0,51,13],[53,0,53,13],[55,0,55,13],[57,0,57,13],[59,0,59,13],[56,0,56,13],[54,0,54,13],[52,0,52,13],[50,0,50,13],[69,1,69,13],[70,1,70,13],[71,1,71,13],[72,0,72,13],[74,0,74,13],[60,0,60,10],[187,1,187,13],[188,1,188,13],[189,1,189,13],[190,1,190,13],[191,1,191,13],[193,1,193,13],[194,1,194,13],[140,0,140,13],[141,0,142,13],[149,1,149,13],[150,1,150,13],[151,1,151,13],[153,0,153,13],[154,0,154,13],[155,0,155,13],[156,1,156,13],[165,1,165,13],[166,1,166,13],[167,1,167,13],[168,1,168,13],[178,0,178,13],[179,0,179,13],[180,0,180,13],[165,0,170,0],[228,0,228,13],[196,0,196,13],[197,0,197,13],[198,0,198,13],[199,0,199,13],[200,0,200,13],[201,0,201,13],[202,0,202,13],[158,1,158,13],[181,0,181,13],[182,0,182,13],[177,0,177,13],[183,1,183,13],[184,1,184,13],[185,1,185,13],[186,0,186,10],[227,0,227,13],[203,1,203,13],[204,1,204,13],[192,0,192,10],[221,1,221,13],[222,1,222,13],[223,1,223,13],[224,1,224,13],[225,1,225,13],[206,1,206,13],[207,1,207,13],[208,3,208,13],[209,3,209,13],[210,3,210,13],[211,3,211,13],[212,3,212,13],[220,0,220,13],[218,0,218,13],[216,0,216,13],[217,0,217,13],[219,0,219,13],[214,3,214,13],[215,0,215,13],[233,0,233,13],[11,0,11,13],[32,0,32,13],[30,0,30,13],[83,0,83,13],[90,1,90,13],[92,1,92,13],[94,1,94,13],[99,1,99,13],[101,1,101,13],[157,1,157,13],[159,1,159,13],[161,1,161,13],[195,1,195,13],[213,1,213,13],[28,0,28,13],[81,0,81,13],[103,0,103,13],[113,0,113,13],[231,0,231,13],[232,0,232,13],[229,0,229,13],[230,0,230,13],[205,1,205,13],[183,0,185,0],[187,0,191,0],[193,0,195,0],[203,0,214,0],[221,0,226,0],[34,0,37,0],[62,0,67,0],[69,0,71,0],[75,0,80,0],[89,0,101,0],[143,0,151,0],[156,0,163,0],[116,0,116,13],[120,0,120,13],[86,0,86,13],[87,0,87,13],[88,0,88,13],[89,1,89,13],[91,1,91,13],[93,1,93,13],[95,1,95,13],[96,1,96,13],[97,1,97,13],[75,1,75,13]]}
["CREDIT SCORE INITIAL FILE"]
[]
["Insurers - These are Guidelines to assist you in your initial filing for Credit Score.  Not all questions are relevant to your proposal."]
[]
["Derivation of Credit Score differentials"]
[null,"GLM"]
["1)     Beyond the fact that the GLM model indicates a relationship with credit score, would it be possible to provide the rationale to justify the use of such variable? Please provide support to demonstrate that the resulting rates are just and reasonable for policyholders."]
[]
["2)     Do you have evidence of a causal link between credit score and driving habits?"]
[]
["3)     Could you please explain the correlation, if any, between credit score and auto insurance rates?"]
[]
["4)     Would it be possible to comment on the rationale to derive credit score differentials at the chosen level of granularity (coverage level versus driver, policy level or other level chosen by the company)?"]
[]
["5)     Please describe the data sources (internal & external) used in the GLM model, particularly in relation to the credit score data used in the model:"]
[null,"a.      How was the historical credit score data used to determine the differentials obtained?"]
[]
[null,"b.      Where was the data collected from to do the analysis demonstrating correlation between credit score and coverages (for instance TPL-BI and AB)? Was it collected from the NB market, Atlantic provinces, Canada, US?"]
[]
[null,"c.      When did your company start using credit score for the rating and underwriting of personal property insurance and when did you begin collecting credit score data for this purpose? (if the company uses the credit score data collected on their personal property book of business)"]
[]
[null,"d.      How frequently is the credit score data refreshed for personal property insurance? (if the company uses the credit score data collected on their personal property book of business)"]
[]
[null,"e.      Was the request for consent used to access credit score information for personal property insurance, the same that you are proposing to use for automobile insurance? Have the consent forms/wordings used for personal property evolved over the years? (if the company uses the credit score data collected on their personal property book of business)"]
[]
["6)     How many years of data have been put into the model? What kind of data have been put into the model? (e.g. pure premium, loss ratios, frequency, etc.)"]
[]
["7)     Would it be possible to provide a short description of data preparation (i.e. data patching, scrubbing, cleansing, if any.)? What proportion of the data has been massaged? What proportion of the data has been rejected by the model? Please provide the reason(s) to explain any data exclusion."]
[]
["8)     Would it be possible to provide a list of indicator variables that have been kept in the model? (e.g., accident year, broker v. direct distribution, affinity business, etc.)"]
[]
["9)     Please list the variables that have been offset."]
[]
["10)  Bucketing"]
[null,"a.      Please provide a description of bucketing approach."]
[]
[null,"b.      Would it be possible to comment on the rationale for bucketing the credit score versus a more/less granular level?"]
[]
["11)  What link function and error structure have been selected in modeling each coverage?"]
[]
["12)  What is the value of the scale parameter for each coverage?"]
[]
["13)  Please describe how interaction between variables was taken into account in the modeling, if applicable."]
[]
["14)  Would it be possible to provide a description of all the coefficient statistics used to determine the predictive value of each variable (e.g. degree of freedom, chi-square, p-value, F-value)? Please provide commentaries, rationale and selection criteria or threshold for accepting/rejecting variables. If for a given coverage, selection criteria or threshold were overridden, please provide justifications. For each coverage, please provide a summary table of these statistics."]
[]
["15)  Would it be possible to provide a description of all the global statistics used to determine whether the selected model is optimal among the series of alternate models (e.g. AIC, BIC, Gini coefficient)? Please provide a summary of table of these statistics as well as the overall lift curves. Please provide commentaries for the selected model for each coverage, including the convergence criterion. "]
[]
["16)  Please provide the assumptions and rationale that justify deviating from the indicated factors. "]
[]
["17)  Please provide the assumptions and methodology to derive the off-balance factors used to rebalance the base rates."]
[]
["18)  What is the difference between the highest and lowest rates (or differentials) based on credit score? Provide a chart with this information that shows the credit scores and associated differentials (or surcharges and discounts) both before and after consideration of the off-balance."]
[]
["19)  What impact will the introduction of credit score as part of your rating algorithm have on your current book of business? Please provide a premium change dislocation table showing only the effect of the introduction of credit score."]
[]
["20)  Please comment on why your company believes that it would be fair and reasonable for the insurance premium of an individual with an unknown credit score, or an individual who refuses to provide consent to use of credit score, to be calculated through the application of a differential similar to the one applied for an individual with one of the lowest credit score (credit score between XXX and XXX)? Adjust the part highlighted in yellow depending on information provided in the filing"]
[]
[]
["Informed Consent to Use Credit Score"]
["A privacy management program is expected to be in place with the collection and use of credit score information."]
["1)     As credit score is not an information regularly requested for automobile insurance, please describe your company’s process to"]
[null,"a.      request the permission to have access to such information;"]
[null,"b.      inform the policyholder about his/her current credit score;"]
[null,"c.      inform the policyholder how this information is being used;"]
[null,"d.      inform the policyholder about risks of harm and other consequences; and"]
[null,"e.      inform the policyholder about the procedures to request a revision of his/her credit score if deemed erroneous."]
[]
["2)     Could you please provide details of who the consent would be requested from on a new automobile insurance policy (i.e., "]
[null,"a.      the policyholder, or"]
[null,"b.      the principal operator of each vehicle on the policy, or"]
[null,"c.      each named driver insured on the policy,"]
["and how your company will proceed to obtain all of the required consents?"]
[]
["3)     Please describe your company’s process for providing a quote and binding a new policy for which the credit score is used in rating and/or underwriting, including:"]
[null,"a.      When in the process would consent to obtain the credit score information be requested from the client?"]
[null,"b.      As many people might not know what their credit score is, will clients be given the opportunity to get the information on their own credit score (through contacting the credit agency on their own) prior to giving consent for your company to use it for the purpose of automobile insurance?"]
[null,"c.      Would the quoted premium include the effect of credit score (or soft credit score)?"]
[null,"d.      If not, when will the potential client be informed of the final premium, including the effect of credit score?"]
[null,"e.      Are there any other rating variable (i.e., other than credit score) that could potentially result in significant changes to the final premium (i.e., change the quoted premium after verification of the customer’s information or receipt of data for which customer’s consent was required)?"]
[null,"f.       Please explain how the changes between quoted premiums and final premium are explained to customers?"]
[]
["4)     Is there a time limit on the consent provided by a client?"]
[]
["5)     Would the consent to access credit score be requested at each renewal? "]
[]
["6)     Would the credit score be updated in the premium calculation at each renewal?"]
[]
["7)     For current insureds who previously provided consent for your company to obtain their credit score:"]
[null,"a.      Does the consent expire (e.g., if a policyholder cancels their insurance contracts with your company or chooses not to renew)?"]
[]
[null,"b.      If a former policyholder comes back to your company to request a quote for a new insurance policy, would the consent previously provided still be considered active?"]
[]
[null,"c.      Are there any circumstances under which the consent would need to get refreshed (e.g., additional named insured on the policy, split of policy)? Please explain."]
[]
[null,"d.      Would a consent obtained in relation to a customer’s personal property insurance be: (if the company uses the credit score data collected on their personal property book of business)"]
[null,null,null,"i.     Transferrable to automobile insurance (i.e., would the company be able to use the credit score obtained for the purpose of underwriting the personal property insurance of a customer to underwrite a new or renewal automobile insurance policy for the same customer)? Please confirm whether the consents, obtained for property insurance, explicitly allow the use of credit score for other purposes such as developing automobile rates."]
[null,null,null," ii.     Or would such customers need to sign a new consent, specifically related to the use of credit score information for automobile insurance?"]
[null,"e.      Could you please provide details of the measures that your company has put in place to inform clients, who had previously provided consent in relation to their personal property insurance, of the new expanded use of credit score in relation to their automobile insurance? (if the company uses the credit score data collected on their personal property book of business)"]
[]
[null,"f.       Could you please explain the process that will be followed to obtain consent on renewal from current insureds who have not previously given your company their consent (e.g., current automobile insurance policyholders who do not have personal property insurance with your company or who had chosen not to provide consent for their personal property insurance policy)?"]
[]
["8)     Could you please explain how your company will ensure that customers truly understand what they are committing to when they consent to allowing you to obtain their credit score information?"]
[]
["                               i.     For online consent, please provide the wording of the online consent that the customer must approve.","a.      Do the insureds explicitly sign a document indicating their consent?"]
[null,null,null," ii.     For phone consent, please provide a sample of the letter sent to the customer to document the consent discussion as well as the transcript of the oral consent that the customer listens to (if different)."]
[null,"b.      Is the length of time and extent of the commitment clearly indicated in any documents that the insureds sign?"]
[null,"c.      Do insureds receive any information on:"]
[null,null,null,"i.     How providing this consent will impact them?"]
[null,null,null," ii.     How the credit score information will be used?"]
[null,null,null,"iii.     How the credit score data will be stored?"]
[null,null,null,"iv.     How often their credit score information will be refreshed?"]
[null,null,null,"v.     What to do if the insured notices an error in their credit score?"]
[]
["Please provide samples of the communications that your company intends to use for the purpose of ensuring that clients are providing informed consent (including details regarding the sub-questions i. through v.)"]
["9)     Does your company plan to provide consumer education to their clients to ensure that the clients understand credit scores and their relative values? "]
[]
["10)  How can a client withdraw his consent?"]
[]
[]
["The Personal Information Protection and Electronic Documents Act (PIPEDA)"]
["As Credit Score is a sensitive personal information,"]
[]
["1)     Where do you store this information?"]
[]
["2)     What are the procedures in place to ensure extra protection? Would it be possible to describe the measures of security surrounding this personal information?"]
[]
["3)     What is the process to assess and approve new uses of this personal information?"]
[]
["4)     Who has access to or uses this personal information?"]
[]
["5)     Do you share this personal information with any third parties? If yes, would it be possible to provide the information of the third parties?"]
[]
["6)     When is this personal information disposed of?"]
[]
["7)     Would it be possible to describe [Company’s Name]’s staff training program about PIPEDA?"]
[]
["8)     Would it be possible to describe the process for policyholders to file complaints? And the process for the resolution of these issues?"]
[]
["9)     Would it be possible to describe the management process in the case of breach? "]
[]
["Effects on Insureds:"]
[]
[null,"a.      Covid-19?"]
[null,"b.      Illness? Disability?"]
[null,"c.      Job loss?"]
[null,"d.      Change in marital status? Or loss of spouse?"]
[null,"e.      New drivers?"]
[null,"f.       New immigrants?"]
[null,"g.      Identify theft?"]
[null,"h.      Young drivers insured on a parent’s insurance policy (both as an occasional driver and as a principal operator)? "]
[null,"i.       Young drivers as principal operators on their own insurance policy for the first time?"]
[]
["2)     Could you please explain whether and how your company intends to offer support to consumers if they are having issues with their credit score as a result of a life event? "]
[]
["3)     Could you please explain the rationale for refreshing the credit score information only every X years? "]
[null,"a.      Would there be circumstances under which your company would refresh the credit score on a more frequent basis?"]
[]
[null,"b.      Could certain events (life events or systemic events) trigger your company to refresh all credit score information?"]
[]
[null,"c.      Could an insured request you to refresh their credit score on a more frequent basis?"]
[]
[null,"d.      According to Malik & Thomas[1], about 45% of the individuals with low credit scores (<680) would experience an improvement in the following year. Would it be possible to explain how the rates charged to low credit score would be just and reasonable in the intervening years?"]
[]
["4)     Could you please confirm whether your company intends to use the credit score for purposes other than as a rating variable in automobile insurance? Please describe all uses. "]
[null,"a.      For example, will it be used to determine eligibility for monthly (or instalment) premium payments?"]
[null,"b.      Will it be used as an underwriting criteria?"]
[null,"c.      Will it be used to identify preferred customers?"]
[null,"d.      Will it be used to determine eligibility to any other optional services, endorsements, etc. offered by the company to its automobile insurance policyholders?"]
[null,"e.      Will client have the ability to revoke consent without penalty (i.e., would they only lose the applicable discount)?"]
[]
["5)     Could you please explain what happens when an error in credit score is discovered (either by the insured or the credit rating agency)?"]
[null,"a.      Will your company be offering a discount? "]
[null,"b.      When would the correction be made (at renewal or during the policy period)?"]
[null,"c.      Would your company issue refunds on prior policies?"]
[]
[]
["Use of credit score: "]
["1)     How does your company ensure that the information received from the credit rating agencies is correct for each individual customer?"]
[]
["2)     If a new client refuses to sign the authorization for verification, will you refuse to offer insurance?"]
[]
["3)     If an existing client withdraws their consent:"]
[null,"a.      if consent is withdrawn during the policy term, please explain what the consequences would be for the insured as well as the timing of implementation of these consequences (e.g., change in premium, eligibility for instalment premium payments, etc.)"]
[null,"b.      will you refuse to renew?"]
[]
["4)     Could you please explain how the credit score and associated differential (or discount) are determined?"]
[null,"a.      Is it based only on the credit score of the main policyholder and applicable to all vehicles on the policy?"]
[null,"b.      Is it based on the credit score of the principal operator for each vehicle on the policy?"]
[null,"c.      Does it depend on the credit score of all (or some of the) named drivers insured on the policy? And if so, how is it determined (based on the lowest credit score, the highest credit score, a blended credit score, etc.)? "]
[null,"d.      If using a blended credit score, please describe how the credit score is determined for policies with multiple drivers and multiple vehicles."]
[]
["5)     Many (if not most) young drivers and new immigrants would not have a credit score. "]
[null,"a.      Could you please explain how the algorithm reacts when customers don’t have credit score? "]
[null,"b.      As young drivers would have both no credit score and very few years licensed (if any), please explain how your model was adjusted to account for this interaction. "]
[]
["6)     Have you considered applying the credit score differentials only to some specific coverages (e.g., only mandatory coverages)? "]
[]
["7)     Could you please explain why your company is proposing a single set of differential, applicable to all coverages, instead of differentials that would vary by coverage [depending on the proposed model, it could be the reverse question]?"]
[]
["8)     Would your systems and operations allow for different differentials to be applied at the coverage level?"]
[]
["9)     Use of credit score information in personal property insurance:"]
[null,"a.      How many current New Brunswick personal property policyholders have provided consent for your company to access and use their credit score?"]
[]
[null,"b.      What proportion of your total personal property insureds in New Brunswick does that represent? "]
[]
[null,"c.      Could you please explain how your company uses credit score in relation to personal property insurance? "]
[null,null,null," i.     Is it a rating variable? "]
[null,null,null,"ii.     Is it used for underwriting purposes?"]
[null,null,null,"iii.     Is it used to determine eligibility for monthly (or instalment) premium payments?"]
[null,null,null,"iv.     Is it used to identify preferred customers?"]
[null,null,null,"v.     Please describe any other uses."]
[]
[]
["Broker companies – Information and Education:"]
["1)     Do the proposed Manual Pages explain how the credit score information affects the underwriting criteria and the pricing of a policy? Please indicate all relevant sections of the Manual Pages. "]
[]
["2)     Please describe the education that is being provided to brokers on the use of credit score for automobile insurance."]
[]
["3)     Would it be possible to describe the brokers’ responsibilities with regard to:"]
[null,"a.      Explaining the implications underlying the consent;"]
[null,"b.      Informing policyholders about the effect of credit score on their automobile insurance premium;"]
[null,"c.      Educating policyholders about credit score; and"]
[null,"d.      Providing support to the policyholders when issues about credit score arise?"]
[]
[]
["Other Information"]
["1)     IBC has developed a Code of Conduct for insurer’s use of credit information which has been adopted by most Canadian P&C insurance companies. Could you please confirm that your company adheres to this code of conduct?"]
[]
["2)     Has this same proposal for the use of credit score been approved for your company in other jurisdictions?"]
[]
[]
["[1] M. Malik and L.C. Thomas, “Transition matrix models of consumer credit ratings”, International Journal of Forecasting, 28 (2012) 261-272. Accessed September 2020. https://core.ac.uk/download/pdf/82331781.pdf  "]

{"sheet":"Credit Score Update","index":13,"n_rows":46,"n_cols":14,"rows_kept":46,"cut":false,"hidden":true,"merged":[[3,0,3,14],[4,0,4,14],[5,0,5,7],[0,0,0,14],[1,0,1,2],[1,3,1,9],[1,10,1,12],[1,13,1,14],[2,0,2,2],[2,3,2,9],[2,10,2,14],[11,1,11,14],[12,1,12,14],[13,1,13,4],[6,1,6,14],[7,1,7,14],[8,1,8,14],[9,1,9,14],[10,1,10,14],[14,1,14,4],[15,1,15,4],[17,1,17,6],[18,1,18,4],[18,5,18,6],[19,5,19,6],[20,1,20,4],[20,5,20,6],[21,1,21,4],[21,5,21,6],[19,1,19,4],[22,1,22,4],[22,5,22,6],[23,1,23,4],[23,5,23,6],[24,1,24,4],[24,5,24,6],[25,1,25,4],[25,5,25,6],[27,1,27,3],[27,4,27,5],[28,1,28,3],[29,1,29,3],[30,1,30,3],[31,1,31,3],[32,1,32,3],[33,1,33,3],[34,1,34,3],[36,1,36,3],[37,1,37,3],[39,1,39,3],[39,4,39,9],[45,1,45,14],[46,1,46,13],[40,1,40,3],[40,4,40,9],[42,0,42,14],[43,1,43,14],[44,1,44,13]]}
["CREDIT SCORE UPDATE"]
["Company Name:",null,null,{"$f":"'Step 1 Non-Confidential'!C5","v":0},null,null,null,null,null,null,"Billing Number:",null,null,{"$f":"'Step 1 Non-Confidential'!K2","v":0}]
["Vehicle Type:",null,null,{"$f":"'Step 1 Non-Confidential'!I7","v":0},null,null,null,null,null,null," "]
[]
["Existing Credit Score Program - Annual Information Required"]
["Annual Data on:"]
["a","Enrollment or adoption rates for new business"]
["b","Renewal Business with continued consent to use Credit Score"]
["c","Discounts earned and overall average discount earned (include credit score ranges )"]
["d","Number of insureds who refused to give consent and who withdrew consent"]
["e","Technical or Data Storage issues"]
["f","Annual changes in the average credit score discount and Average Rate level changes as a result of this."]
[" "," "]
[null,"Credit Score Usage",null,null,null,"Year 1","Year 2","Year 3","Year 4","Year 5"]
[null,"% enrolment on Total Vehicles"]
[null,"% Average Discount"]
[]
[null,"Discount Distribution"]
[null,"[-26% , -30%]"]
[null,"[-21% , -25%]"]
[null,"[-16% , -20%]"]
[null,"[-11% , -15%]"]
[null,"[-6% , -10%]"]
[null,"[-1% , -5%]"]
[null,"[0%]"]
[null,"No hit"]
[]
[null,"Most Current Credit Score Usage Data As of:",null,null,"MM/DD/YYYY"]
[null,"Take Up"]
[null,"% Enrolment on total Vehicles"]
[null,"% Enrolment on New Business"]
[null,"# Vehicles with Credit Consent on New Business"]
[null,"Total # Vehicles with Credit Consent"]
[null,"Total Premium $ with Credit Consent"]
[null,"% Refused to Consent to use Credit Score"]
[null,"% Withdrew Consent to use Credit Score"]
[null,"% With no Credit Score Data (no hit)"]
[null,"% Company Cancelled"]
[]
[null,"Coverages Discount applies to"]
[null,"Magnitude of Discount"]
[]
["Additional Information "]
["a","Any observed negative or positive changes in credit score distribution."]
[]
["b","Correlations observed between credit scores and claims experience."]

{"sheet":"UBI","index":14,"n_rows":69,"n_cols":14,"rows_kept":69,"cut":false,"hidden":true,"merged":[[35,1,35,14],[36,1,36,14],[37,1,37,14],[38,1,38,14],[47,1,47,4],[40,1,40,14],[41,0,41,14],[43,1,43,14],[45,1,45,4],[46,1,46,4],[0,0,0,14],[1,0,1,2],[1,3,1,9],[1,10,1,12],[1,13,1,14],[2,0,2,2],[2,3,2,9],[2,10,2,14],[68,5,68,6],[65,5,65,6],[66,1,66,4],[66,5,66,6],[61,1,61,4],[62,1,62,4],[63,1,63,4],[65,1,65,4],[67,1,67,4],[68,1,68,4],[62,5,62,6],[63,5,63,6],[64,1,64,4],[64,5,64,6],[7,2,7,14],[8,2,8,14],[9,2,9,14],[10,2,10,14],[49,1,49,4],[49,5,49,6],[50,1,50,6],[51,1,51,4],[51,5,51,6],[54,1,54,4],[54,5,54,6],[55,1,55,4],[55,5,55,6],[56,1,56,6],[60,1,60,4],[67,5,67,6],[11,2,11,14],[12,2,12,14],[13,2,13,14],[14,2,14,14],[16,1,16,14],[17,1,17,14],[21,2,21,14],[26,2,26,14],[27,2,27,14],[39,1,39,14],[42,1,42,14],[53,1,53,4],[53,5,53,6],[23,2,23,14],[24,2,24,14],[4,0,4,14],[6,1,6,14],[3,0,3,14],[52,1,52,4],[52,5,52,6],[18,2,18,14],[19,2,19,14],[20,2,20,14],[25,1,25,14],[28,1,28,14],[29,2,29,14],[31,0,31,14],[32,0,32,14],[33,1,33,14],[22,2,22,14],[34,1,34,14],[60,5,60,6],[61,5,61,6],[57,1,57,4],[57,5,57,6],[58,1,58,4],[58,5,58,6],[59,1,59,4],[59,5,59,6]]}
["UBI"]
["Company Name:",null,null,{"$f":"'Step 1 Non-Confidential'!C5","v":0},null,null,null,null,null,null,"Billing Number:",null,null,{"$f":"'Step 1 Non-Confidential'!K2","v":0}]
["Vehicle Type:",null,null,{"$f":"'Step 1 Non-Confidential'!I7","v":0},null,null,null,null,null,null," "]
[]
[" Introduction or Changes to UBI Program - Information Required"]
[]
[1,"Detailed description of the proposed UBI discount program"]
[null,"Include:","the enrollment process"]
[null,null,"the length of time the driver will be monitored"]
[null,null,"the criteria for a policy holder to receive a discount"]
[null,null,"the frequency of changes to a policyholder's discount"]
[null,null,"Information to be provided to insureds before and after they opt into the UBI discount program"]
[null,null,"The process for handling mid-term changes such as vehicle replacement"]
[null,null,"The cancellation process"]
[null,null,"A declaration that lost revenue due to the proposed UBI discount program will not be off-balanced to base rates"]
[]
[2,"Demonstration of the reasonableness of the proposed UBI discounts"]
[null,"The company must demonstrate that the proposed UBI rating factors and discounts are just, reasonable and meet the staturory standards applicable to all rates and risk classification systems."]
[null,"Include:","What rating factors/driving behaviours are being considered in in determining the UBI discounts"]
[null,null,"How the  rating factors/driving behaviours are being measured"]
[null,null,"How data under the UBI discount program is to be collected, normalized, categorized and used for rating purposes."]
[null,null,"What available data/relevant claim experience was used to support the significance of each rating factor to be used "]
[null,null,"What available data was used to support the proposed discounts"]
[null,null,"How the UBI discounts will be applied"]
[]
[3,"Explain how the proposed discounts are applied in premium determination"]
[null,null,"The company must clearly explain how the UBI rating factors lead to the Policyholder's UBI discount and how the discount is applied in determining the Policyholder's premium."]
[]
[4,"Description of UBI program costs and the impact on the Company's expenses"]
[null,null,"The Company’s expenses are an important component in rate determination. The Company must clearly demonstrate the up-front or start-up costs associated with developing and introducing a UBI discount program, as well as all ongoing maintenance and other expenses associated with offering the program, including but not limited to: \n\n• all costs associated with the UBI device,\n• data transfer and analysis,\n• marketing, and\n• any third party provider contracts.\n\nThe Company must include the expense information in a filing regardless of whether or not the Company has factored this cost into the expense provision assumptions. The Company may treat start-up costs as part of research and development and not specifically allocate them. It is expected that over time, the on-going operational costs will be borne only by those enrolled in the UBI discount program. \n\nThe Board will be sensitive to the allocation of these expenses and the issue of UBI discount program costs being borne by policyholders not participating in the program. "]
[]
["Existing UBI Program - Annual Information Required"]
["Annual Data on:"]
["a","Enrollment or adoption rates for new business"]
["b","Renewal Business policies remaining in UBI program"]
["c","Discounts earned and overall average discount earned (include scores for each variable)"]
["d","Number of insureds who cancelled UBI program"]
["e","Costs and expenses associated with the UBI program"]
["f","Technical or Data Storage issues"]
["g","Annual changes in the average UBI discount and Average Rate level changes as a result of this"]
[]
["Optional Information if Available"]
["a","Any observed changes or improvements in driving behaviour as a result of the UBI program."]
["b","Any correlations observed between UBI variables performance and claims experience."]
[]
[null,"UBI Annual Enrolment",null,null,null,"YYYY","YYYY","YYYY","YYYY","YYYY"]
[null,"% enrolment on Total Vehicles"]
[null,"% enrolment on New Business"]
[]
[null,"Most Current UBI Data As of:",null,null,null,"MM/DD/YYYY"]
[null,"Take Up"]
[null,"% Enrolment on total Vehicles"]
[null,"% Enrolment on New Business"]
[null,"# Vehicles with UBI on New Business"]
[null,"Total # Vehicles with UBI"]
[null,"Total Premium $ UBI"]
[null,"Discount Distribution"]
[null,"Not Enrolled in UBI"]
[null,"Client Cancelled"]
[null,"Company Cancelled"]
[null,"UBI Enrollment Discount"]
[null,"[-26% , -30%]"]
[null,"[-21% , -25%]"]
[null,"[-16% , -20%]"]
[null,"[-11% , -15%]"]
[null,"[-6% , -10%]"]
[null,"[-1% , -5%]"]
[null,"[0%]"]
[null,"Average Discount"]

{"sheet":"Commercial Class Info","index":15,"n_rows":209,"n_cols":12,"rows_kept":209,"cut":false,"hidden":true,"merged":[[208,0,208,2],[1,5,1,7],[203,0,203,2],[204,0,204,2],[205,0,205,2],[206,0,206,2],[207,0,207,2],[198,0,198,2],[199,0,199,2],[200,0,200,2],[201,0,201,2],[202,0,202,2],[193,0,193,2],[194,0,194,2],[195,0,195,2],[196,0,196,2],[197,0,197,2],[188,0,188,2],[189,0,189,2],[190,0,190,2],[191,0,191,2],[192,0,192,2],[183,0,183,2],[184,0,184,2],[185,0,185,2],[186,0,186,2],[187,0,187,2],[178,0,178,2],[179,0,179,2],[180,0,180,2],[181,0,181,2],[182,0,182,2],[173,0,173,2],[174,0,174,2],[175,0,175,2],[176,0,176,2],[177,0,177,2],[168,0,168,2],[169,0,169,2],[170,0,170,2],[171,0,171,2],[172,0,172,2],[163,0,163,2],[164,0,164,2],[165,0,165,2],[166,0,166,2],[167,0,167,2],[158,0,158,2],[159,0,159,2],[160,0,160,2],[161,0,161,2],[162,0,162,2],[153,0,153,2],[154,0,154,2],[155,0,155,2],[156,0,156,2],[157,0,157,2],[148,0,148,2],[149,0,149,2],[150,0,150,2],[151,0,151,2],[152,0,152,2],[143,0,143,2],[144,0,144,2],[145,0,145,2],[146,0,146,2],[147,0,147,2],[138,0,138,2],[139,0,139,2],[140,0,140,2],[141,0,141,2],[142,0,142,2],[133,0,133,2],[134,0,134,2],[135,0,135,2],[136,0,136,2],[137,0,137,2],[128,0,128,2],[129,0,129,2],[130,0,130,2],[131,0,131,2],[132,0,132,2],[123,0,123,2],[124,0,124,2],[125,0,125,2],[126,0,126,2],[127,0,127,2],[118,0,118,2],[119,0,119,2],[120,0,120,2],[121,0,121,2],[122,0,122,2],[113,0,113,2],[114,0,114,2],[115,0,115,2],[116,0,116,2],[117,0,117,2],[108,0,108,2],[109,0,109,2],[110,0,110,2],[111,0,111,2],[112,0,112,2],[103,0,103,2],[104,0,104,2],[105,0,105,2],[106,0,106,2],[107,0,107,2],[98,0,98,2],[99,0,99,2],[100,0,100,2],[101,0,101,2],[102,0,102,2],[93,0,93,2],[94,0,94,2],[95,0,95,2],[96,0,96,2],[97,0,97,2],[88,0,88,2],[89,0,89,2],[90,0,90,2],[91,0,91,2],[92,0,92,2],[83,0,83,2],[84,0,84,2],[85,0,85,2],[86,0,86,2],[87,0,87,2],[78,0,78,2],[79,0,79,2],[80,0,80,2],[81,0,81,2],[82,0,82,2],[73,0,73,2],[74,0,74,2],[75,0,75,2],[76,0,76,2],[77,0,77,2],[68,0,68,2],[69,0,69,2],[70,0,70,2],[71,0,71,2],[72,0,72,2],[63,0,63,2],[64,0,64,2],[65,0,65,2],[66,0,66,2],[67,0,67,2],[58,0,58,2],[59,0,59,2],[60,0,60,2],[61,0,61,2],[62,0,62,2],[53,0,53,2],[54,0,54,2],[55,0,55,2],[56,0,56,2],[57,0,57,2],[48,0,48,2],[49,0,49,2],[50,0,50,2],[51,0,51,2],[52,0,52,2],[43,0,43,2],[44,0,44,2],[45,0,45,2],[46,0,46,2],[47,0,47,2],[38,0,38,2],[39,0,39,2],[40,0,40,2],[41,0,41,2],[42,0,42,2],[33,0,33,2],[34,0,34,2],[35,0,35,2],[36,0,36,2],[37,0,37,2],[28,0,28,2],[29,0,29,2],[30,0,30,2],[31,0,31,2],[32,0,32,2],[23,0,23,2],[24,0,24,2],[25,0,25,2],[26,0,26,2],[27,0,27,2],[18,0,18,2],[19,0,19,2],[20,0,20,2],[21,0,21,2],[22,0,22,2],[13,0,13,2],[14,0,14,2],[15,0,15,2],[16,0,16,2],[17,0,17,2],[0,0,0,5],[1,1,1,3],[2,1,2,3],[2,4,2,5],[8,0,8,2],[9,0,9,2],[10,0,10,2],[11,0,11,2],[12,0,12,2],[4,0,5,2],[4,3,4,4],[4,5,5,5],[6,0,6,2],[7,0,7,2]]}
["COMMERCIAL CLASS INFO"]
["Company Name:",{"$f":"'Step 1 Non-Confidential'!C5","v":0},null,null,"Billing Number:",{"$f":"'Step 1 Non-Confidential'!K2","v":0}]
["Vehicle Type:",{"$f":"'Step 1 Non-Confidential'!I7","v":0},null,null,null,null,null,null,null,null,null," "]
[]
["Rating Class Table\n* Note any other classes at end of table",null,null,"Class Code",null,"Premium (%)"]
[null,null,null,"Light","Heavy"]
["All Terrain Vehicles:"]
["GVW not more than 1 tonne (2,200 lbs.)"]
["GVW more than 1 tonne (2,200 lbs.)"]
["Ambulances -"]
["Armored Cars",null,null,46,46]
["Arborist / nurserymen (planting/transplanting operations)"]
["Artisan"]
["This class is permissible only for those vehicles that are largely immobile i.e. parked, during the business hours of the applicant, at or near the place of employment.",null,null,35,"n/a"]
["A vehicle used to go to more than two jobs in a day is not to be rated as Class 35. Wholesale or retail delivery is not permitted."]
["Automobile Hauling - See Truckmen"]
["Auto accessories & parts"]
["Retail delivery",null,null,43,45]
["Wholesale delivery",null,null,36,44]
["Bakery and Distributors",null,null,44,45]
["Brewers and Distributors",null,null,45,45]
["Building Materials- including bricks and blocks (excluding dump trucks)",null,null,46,46]
["Buses"]
["Butchers: Wholesale Butchers - see Meat Packers"]
["Retail delivery",null,null,43,45]
["Caterers",null,null,43,45]
["Canteen vendors, including Chip Wagons",null,null,43,45]
[" Equipped with a deep fat fryer"]
["Cement Blocks- see Building Materials"]
["Cement mixer (Mix-in transit)",null,null,45,45]
["Chemical Products - see Dangerous Goods"]
["Chip wagons",null,null,43,45]
["Chip Hauling (Wood) - see Logs"]
["Cleaners & Dyers",null,null,44,45]
["Coal & Wood Dealers",null,null,44,44]
["Commercial cleaning service for others"]
["Contractors",null,null,35,44]
["Excluding cement mixers, dump trucks and transportation of bricks or other building materials, logs, pulpwood and petroleum products. Class 35 is permissible only for those vehicles that are largely immobile i.e. parked, during the business hours of the applicant, at or near the place of employment. A vehicle used to go to more than two jobs in a day is not to be rated Class 35. Wholesale or retail delivery is not permitted."]
["Courier Service Maximum 80km (50 miles)",null,null,44,46]
["Pickup and delivery of documents and small parcels/packages where an element of speed or timeliness is involved, excluding wholesale and retail delivery.  In excess of 80 km rate as Truckmen\ntimeliness is involved, excluding wholesale and retail delivery. In excess of 80 km rate as Truckmen."]
["Courtesy vehicles (incidental to garage operations only)"]
["Cranes (licensed, mobile) ",null,null,44,44]
["Dairies and Distributors",null,null,44,45]
["Dangerous Goods"]
["Any vehicle carrying substances so classified under Transportation of Dangerous Goods Act, Canada. Special Liability limit factors apply."]
["Maximum radius 80km"]
["Chemical Products no Explosives, Petroleum or Radioactive Materials",null,null,48,48]
["Explosives Manufacturers and Distributors. ",null,null,48,48]
["Petroleum Products",null,null,48,48]
["Radioactive Materials. ",null,null,48,48]
["Radius beyond 80 km (50 miles)"]
["Delivery of goods sold or serviced by the applicant (where such use is not specifically  classified)"]
["Retail delivery (pickup and delivery from individual households)",null,null,43,45]
["Excluding retail delivery",null,null,36,44]
["Other delivery - see Truckmen"]
["Dock and Station Trucks - see On-premises trucks"]
["Delivery of all other building material products"]
["Delivery of cement block, building block, and bricks"]
["Delivery of construction/maintenance equipment (backhoes/loaders/non-farm tractors)"]
["Delivery of lumber"]
["Delivery of sewer and septic tank equipment"]
["Delivery of steel"]
["Demolition contractor"]
["Dog Walkers"]
["Drug Manufacturers and Wholesalers"]
["Drug store",null,null,43,45]
["Dry cleaners"]
["Dump Trucks not otherwise classified",null,null,42,42]
["Earth - see Sand"]
["Electrical contractor"]
["Electronics - service repair"]
["Excavation"]
["Explosives Manufacturers and Distributors - see Dangerous Goods"]
["Express Companies - if risk meets definition of Courier, rate accordingly. Otherwise rate as Truckmen"]
["Farm Tractors",null,null,55,55]
["Farm Trucks - not applicable to Greenhouse operators or Horticulturists",null,null,33,34]
["Fast Food Delivery - See meals"]
["Fast food delivery / meal delivery"]
["Fertilizer hauling"]
["Fertilizer hauling - for self"]
["Fire Department Trucks",null,null,53,53]
["Fisherman",null,null,33,34]
["Fisherman - for self"]
["Fish and Seafood Distributors"]
["Retail Delivery",null,null,43,45]
["Wholesale Delivery",null,null,46,46]
["Florists"]
["Including retail or wholesale delivery",null,null,43,45]
["excluding delivery - see Gardeners"]
["Food and Beverage Vendors - See Canteen Vendors"]
["Fruit Dealers"]
["Retail Delivery",null,null,43,45]
["Wholesale Delivery",null,null,46,46]
["Fuel Dealers - Solid Fuel see Coal & Wood; Other see Dangerous Goods"]
["Funeral Vehicles"]
["Furniture Manufactors and Distributors",null,null,46,46]
["Garbage and Recycling Trucks (equipped with compactors, lift fork or roll off containers)",null,null,45,45]
["Gardeners/garden centers"]
["Gardeners & Horticulturists:"]
["Including delivery (retail or wholesale)",null,null,43,45]
["Excluding delivery (retial or wholesale)",null,null,35,45]
["Gasoline Trucks - See Danfgerous Goods"]
["Geotechnical engineer (soil density testing only)"]
["Golf Carts - used on golf courses only: others rate accoring to use",null,null,55,"n/a"]
["Grain hauling"]
["Grain hauling - for self"]
["Gravel - see Sand"]
["Greenhouse Operators - see Gardeners"]
["Grocers"]
["Retail Delivery",null,null,43,45]
["Wholesale Delivery",null,null,46,46]
["Hardware stores- including delivery (retail or wholesale)",null,null,43,45]
["Hay hauling"]
["Hay hauling - for self"]
["Hazardous Cargo"]
["(81-160km)",null,null,61]
["(161-400km)",null,null,62]
["(401-750km)",null,null,63]
["over 750km)",null,null,64]
["Home repair contractor"]
["Horticulturalists - with delivery see Florists:otherwise Gardeners"]
["HVAC contractor"]
["Ice Cream Manufactors and Distributors",null,null,44,45]
["Ice Cream Vendors",null,null,43,45]
["Ice Dealers",null,null,44,45]
["Industrial machinery manufacturing/distribution",null,null,36,44]
["Industrial trucks - see On- premises Trucks"]
["Inerurban Vehicles - see Truckmen"]
["Knacker – bone / tallow / animal fat"]
["Landscaping"]
["Landscape gardeners see Gardeners"]
["Laundries",null,null,44,45]
["Lawn Mowers",null,null,55]
["Lawn Service",null,null,36,44]
["If applying chemicals (e.g.fertilizer, pesticides) see Dangerous Goods"]
["Livestock"]
["Maximum Radius 80 km (50 miles)",null,null,46,46]
["Radius beyond 80 km (50 miles)"]
["Livestock - for self"]
["Livestock hauling"]
["Log, Wood Chips, Puplwood"]
["Maximum Radius 80 km (50 miles)",null,null,41,41]
["Lumber dealers",null,null,46,46]
["Manure hauling"]
["Manure hauling - for self"]
["Market gardeners - see Gardeners"]
["Masonry contractor"]
["Meals -Home Delivery of Fast foods (Pizza,Chinese food and the like)",null,null,43,45]
["Meat Packers and Dealers",null,null,49,49]
["Meat / poultry / fish / seafood"]
["Messenger Service - see Courier Service"]
["Motorcycles designed for and used as a commercial vehicle",null,null,57,"n/a"]
["Mining"]
["Mobile cranes"]
["Moving Vans - see Truckmen"]
["Municipal Corporation - see Public Service Vehicles"]
["Newspaper delivery - rural (less than 15,000 population)"]
["Newspaper delivery – urban"]
["Newspaper Delivery (daily papers)"]
["From or in cities of over 15,000 in population",null,null,49,49]
["Smaller cities and towns - see Delivery"]
["Nurserymen - see Gardners"]
["Oil drilling, exploration, and seismography",null,null,54,54]
["Oil Tank Trucks - see Dangerous Goods"]
["On -premisies Trucks (unlicensed)",null,null,55,55]
["Trucks used soley on applicants premises, not designed for road use and which do not fall into any other category"]
["Parcel Delivery - see Courier Service"]
["Petroleum Products - see Dangerous Goods"]
["Photography / film"]
["Retail Delivery",null,null,43,45]
["Wholesale Delivery",null,null,36,44]
["Pilot Vehicles travelling in front or behind a vehicle with oversize cargo"]
["Rate as \"not specifically classified\""]
["Plastering/drywall contractor"]
["Plumbing contractor"]
["Police Department Trucks",null,null,53,53]
["Poultry Dealers"]
["Retail Delivery",null,null,43,45]
["Wholesale Delivery",null,null,46,46]
["Produce Dealers"]
["Retail Delivery",null,null,43,45]
["Wholesale Delivery",null,null,46,46]
["Public Service  Vehicles(e.g. hydro or telephone)",null,null,43,44]
["not Ambulance, Fire, Police or Road Construction or Maintence"]
["Pulpwood - see Logs"]
["Quarrying"]
["Radioactive Materials -see Dangerous Goods"]
["Radio or TV Sales and Service - See Television and radio Sales and Service"]
["Radio Escort vehicles used on airport grounds"]
["Residential cleaning service for others"]
["Road construction equipment  and Maintenance",null,null,54,54]
["Graders, snow blowers & Plows, snow groomers,street sweepers, tar spreaders and like equipment especially designed and used for raod construction and maintenance"]
["Roofing contractor"]
["Safe Dealers & Manufactors",null,null,36,44]
["Sand, gravel, stone, earth hauling ",null,null,42,42]
["Sand and gravel hauling - pay-per-load"]
["Scrap (metal, paper, rags) Recycling , Junk Removal",null,null,49,49]
["Sewer and Septic Tank Cleaning",null,null,43,44]
["Slip Tanks",null,null,48,48]
["carring dangerous goods, irrespective of tank capacity (principal use is carring  petrolueum products)"]
["Soft drinks"]
["Tow trucks / service trucks (incidental to garage operations only)"]
["Truckmen operating  < 80 km radius (normal)"]
["Truckmen operating  >160 km radius (normal)"]
["Truckmen operating  80 km - 160 km radius (normal)"]
["Valet services/parking"]
["Well drilling contractors"]
["Wineries"]
["Wood / coal delivery (for fuel purposes only)"]

{"sheet":"NBIB Assumption Chart","index":16,"n_rows":24,"n_cols":141,"rows_kept":24,"cut":false,"hidden":true,"merged":[[16,6,16,7],[17,6,17,7],[13,6,13,7],[14,6,14,7],[15,6,15,7],[1,122,1,134],[1,135,1,140],[1,103,1,109],[1,110,1,115],[1,116,1,121],[2,4,2,6],[2,7,2,9],[1,72,1,83],[1,84,1,95],[1,96,1,102],[1,1,1,11],[1,12,1,23],[1,24,1,35],[1,36,1,47],[1,48,1,59],[1,60,1,71],[3,72,3,83],[3,84,3,95],[5,4,5,6],[5,7,5,9],[4,4,4,6],[4,7,4,9],[3,4,3,6],[3,7,3,9],[3,12,3,23],[3,24,3,35],[3,36,3,47],[3,48,3,59],[3,60,3,71],[3,135,3,140],[3,96,3,102],[3,103,3,109],[3,110,3,114],[3,116,3,120]]}
[" Rate Review Assumption Chart ","d;c",null,null,null,null,null,null,null,null," ",null,null,null,null,null,"                                                                                                                                                                                                                                                                                                                                   "]
["Private Passenger Automobile ","General Information",null,null,null,null,null,null,null,null,null,null,"Historical Loss Cost Trends",null,null,null,null,null,null,null,null,null,null,null,"Future Loss Cost Trends",null,null,null,null,null,null,null,null,null,null,null,"Historical Frequency Trend",null,null,null,null,null,null,null,null,null,null,null,"Future Frequency Trend",null,null,null,null,null,null,null,null,null,null,null,"Historical Severity Trend",null,null,null,null,null,null,null,null,null,null,null,"Future Severity Trend",null,null,null,null,null,null,null,null,null,null,null,"Premium Trend",null,null,null,null,null,null,null,null,null,null,null,"Expenses",null,null,null,null,null,null,"Profit Provisions",null,null,null,null,null,null,"ROE Underlying Indications",null,null,null,null,null,"ROE Implied by Selected ",null,null,null,null,null,"Indicated & Selected",null,null,null,null,null,null,null,null,null,null,null,null,"Comprehensive Breakdown Loss"]
["Companies\n(1)","PwC\nor\nKPMG\nor\nNBIB\n(2)","Type of RFG\n(3)","NBIB Reference #","Effective Date New Business\n(5)",null,null,"Effective Date Renewal Business\n(6)",null,null,"Most Recent Complete Year Earned Premium\n(7)","Number of Written Exposure\n(8)","Bodily Injury\n(9)","Prop Damage","Direct Compensation Property Damage\n(11)","Third Party Liability\n(12)","Accident Benefit\n(13)","Uninsured\n(14)","Health Services Levy\n(15)","Collision\n(16)","Comprehensive\n(17)","Specified Perils\n(18)","All Perils\n(19)","SEF44\n(20)","Bodily Injury\n(21)","Property Damage Tort\n(22)","Direct Compensation Property Damage\n(23)","Third Party Liability\n(24)","Accident Benefit\n(25)","Uninsured\n(26)","Health Services Levy\n(27)","Collision\n(28)","Comprehensive\n(29)","Specified Perils\n(30)","All Perils\n(31)","SEF44\n(32)","Bodily Injury\n(33)","Property Damage Tort\n(34)","Direct Compensation Property Damage\n(35)","Third Party Liability\n(36)","Accident Benefit\n(37)","Uninsured\n(38)","Health Services Levy\n(39)","Collision\n(40)","Comprehensive\n(41)","Specified Perils\n(42)","All Perils\n(43)","SEF44\n(44)","Bodily Injury\n(45)","Property Damage Tort\n(46)","Direct Compensation Property Damage\n(47)","Third Party Liability\n(48)","Accident Benefit\n(49)","Uninsured\n(50)","Health Services Levy (51)","Collision (52)","Comprehensive (53)"," Specified Perils             (54)","All Perils \n(55)","SEF44         (56)","Bodily Injury (57)","Property Damage Tort (58)","Direct Compensation Property Damage                    (59)","Third Party Liability (60)","Accident Benefit (61)","Uninsured\n(62)","Health Services Levy\n(63)","Collision\n(64)","Comprehensive\n(65)"," Specified Perils             (66)","All Perils \n(67)","SEF44\n(68)","Bodily Injury\n(69)","Property Damage Tort\n(70)","Direct Compensation Property Damage\n(71)","Third Party Liability\n(72)","Accident Benefit\n(73)","Uninsured\n(74)","Health Services Levy\n(75)","Collision\n(76)","Comprehensive\n(77)"," Specified Perils             (78)","All Perils \n(79)","SEF44\n(80)","Bodily Injury\n(81)","Property Damage Tort\n(82)","Direct Compensation Property Damage\n(83)","Third Party Liability\n(84)","Accident Benefit\n(85)","Uninsured\n(86)","Health Services Levy\n(87)","Collision\n(88)","Comprehensive\n(89)"," Specified Perils             (90)","All Perils \n(91)","SEF44\n(92)","Regular Commission\n(93)","Contingent Commission\n(94)","Premium Taxes\n(95)","Other General Expenses (Excluding Health Levy)\n(96)","ULAE as % of Premiums\n(97)","Total Expenses (Excluding Health Levy) as % of Premium\n(98)","Health Levy as % of TPL and AB Premiums\n(99)","Target Return on Equity\n(100)","Discount Rate - Policyholders Fund\n(101)","Discount Rate - Stockholder Fund (Equity)\n(102)","Premium to Surplus Ratio\n(103)","Income Tax Rate\n(104)","Permissible Loss Ratio\n(105)","Return on Equity based on Selected Rate Change\n(106)","Target ROE Underlying Indications Prior Filing"," 2nd Prior Filing","\n3rd Prior \nFiling"," 4th Prior Filing","5th Prior \nFiling","Target ROE Underlying Indications for Current Calendar Year\n(112)","Target ROE Implied by Selections Prior Filing"," 2nd Prior Filing","\n3rd Prior \nFiling"," 4th Prior Filing","5th Prior \nFiling","ROE Implied by Selected Rate Change for Current Calendar Year (118)","Indicated Overall Rate Change\n(119)","Selected Rate Change Prior to Capping\n(120)","Selected Rate Change After Capping\n(121)","Capping \n(121)","Cupping","Average Indicated Premium\n(122)","Average Proposed Premium Prior to Capping\n(123)","Average Proposed Premium After Capping\n(124)","Mandatory Coverages Indicated Overall Rate Change\n(125)","Mandatory Coverages Selected Overall Rate Change\n(126)","Optional Coverages Indicated Overall Rate Change\n(127)","Optional Coverages Selected Overall Rate Change\n(128)","Approved Overall Rate Change (For Board Use Only)\n(129)","Kind of Loss - Animal Collsion\n(130)","Kind of Loss - Glass\n(131)","Kind of Loss - Theft\n(132)","Kind of Loss - Fire\n(133)","Kind of Loss - Other\n(134)","Kind of Loss - Total\n(135)"]
["RFG-1 Data References C5"," ","{Conf}  C7","{Conf} M7","{Cover Sht} G12",null,null,"{Cover Sht} J12",null,null,"{Conf}  I209","{Conf}  o109","{Conf}D380-o380\nTable 21 - Annual Trends",null,null,null,null,null,null,null,null,null,null,null,"{Conf}D381-o381\nTable 21 - Annual Trends",null,null,null,null,null,null,null,null,null,null,null,"{Conf}D382-o382\nTable 21 - Annual Trends",null,null,null,null,null,null,null,null,null,null,null,"{Conf}D383-o383\nTable 21 - Annual Trends",null,null,null,null,null,null,null,null,null,null,null,"{Conf}D384-o384\nTable 21 - Annual Trends",null,null,null,null,null,null,null,null,null,null,null,"{Conf}D385-o385\nTable 21 - Annual Trends",null,null,null,null,null,null,null,null,null,null,null,"{Conf}D386-o386\nTable 21 - Annual Trends",null,null,null,null,null,null,null,null,null,null,null,"{Conf} Table 24 G558-564",null,null,null,null,null,null,"{Conf} Table 25 g580-586",null,null,null,null,null,null,"{Conf} Table 26 Row h580-l580",null,null,null,null,"B556","{Conf} Table 26 Row h586-l586",null,null,null,null,"H543","NC L9\n","NC D9","NC H9","Capping cupping G12\n","capping cupping G13","{Conf}\n Table 9 O159","{Conf}\n Table 7 O140","{Conf}\n Table 8 O155","{Conf}\n Table 10 H163","{Conf}\n Table 11 H178","{Conf}\n Table 10 N163","{Conf}\n Table 11 N178"," ","{Conf}\n Table 15"]
[{"$f":"'Step 1 Non-Confidential'!C5","v":0}," ",{"$f":"'Step 1 Non-Confidential'!C7","v":"RFG - 3 Rate Group Update Filing"},{"$f":"'Step 1 Non-Confidential'!K2","v":0},{"$f":"'Step 1 Non-Confidential'!G12","v":"00:00:00"},null,null,{"$f":"'Step 1 Non-Confidential'!J12","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!I209","v":0},{"$f":"'Step 2 NBIB Confidential'!O109","v":0},{"$f":"'Step 2 NBIB Confidential'!D380","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E380","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F380","v":0.03},{"$f":"'Step 2 NBIB Confidential'!G380","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H380","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I380","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J380","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K380","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L380","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M380","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N380","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O380","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D381","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E381","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F381","v":0.03},{"$f":"'Step 2 NBIB Confidential'!G381","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H381","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I381","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J381","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K381","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L381","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M381","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N381","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O381","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D382","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E382","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F382","v":0.03},{"$f":"'Step 2 NBIB Confidential'!G382","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H382","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I382","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J382","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K382","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L382","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M382","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N382","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O382","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D383","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E383","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F383","v":0.03},{"$f":"'Step 2 NBIB Confidential'!G383","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H383","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I383","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J383","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K383","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L383","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M383","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N383","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O383","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D384","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E384","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F384","v":0.03},{"$f":"'Step 2 NBIB Confidential'!G384","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H384","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I384","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J384","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K384","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L384","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M384","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N384","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O384","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D385","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E385","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F385","v":0.03},{"$f":"'Step 2 NBIB Confidential'!G385","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H385","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I385","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J385","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K385","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L385","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M385","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N385","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O385","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D386","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E386","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F386","v":0.03},{"$f":"'Step 2 NBIB Confidential'!G386","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H386","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I386","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J386","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K386","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L386","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M386","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N386","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O386","v":0.03},{"$f":"'Step 2 NBIB Confidential'!G558","v":0},{"$f":"'Step 2 NBIB Confidential'!G559","v":0},{"$f":"'Step 2 NBIB Confidential'!G560","v":0},{"$f":"'Step 2 NBIB Confidential'!G561","v":0},{"$f":"'Step 2 NBIB Confidential'!G562","v":0},{"$f":"'Step 2 NBIB Confidential'!G563","v":0},{"$f":"'Step 2 NBIB Confidential'!G564","v":0},{"$f":"'Step 2 NBIB Confidential'!G580","v":0.12},{"$f":"'Step 2 NBIB Confidential'!G581","v":1.7500000000000002E-2},{"$f":"'Step 2 NBIB Confidential'!G582","v":1.7500000000000002E-2},{"$f":"'Step 2 NBIB Confidential'!G583","v":2},{"$f":"'Step 2 NBIB Confidential'!G584","v":0.28999999999999998},{"$f":"'Step 2 NBIB Confidential'!G585","v":0.58250000000000002},{"$f":"'Step 2 NBIB Confidential'!G586","v":3.4700000000000002E-2},{"$f":"'Step 2 NBIB Confidential'!H580","v":0},{"$f":"'Step 2 NBIB Confidential'!I580","v":0},{"$f":"'Step 2 NBIB Confidential'!J580","v":0},{"$f":"'Step 2 NBIB Confidential'!K580","v":0},{"$f":"'Step 2 NBIB Confidential'!L580","v":0},{"$f":"'Step 2 NBIB Confidential'!G580","v":0.12},{"$f":"'Step 2 NBIB Confidential'!H586","v":0},{"$f":"'Step 2 NBIB Confidential'!I586","v":0},{"$f":"'Step 2 NBIB Confidential'!J586","v":0},{"$f":"'Step 2 NBIB Confidential'!K586","v":0},{"$f":"'Step 2 NBIB Confidential'!L586","v":0},{"$f":"'Step 2 NBIB Confidential'!G586","v":3.4700000000000002E-2},{"$f":"'Step 1 Non-Confidential'!L9","v":0},{"$f":"'Step 1 Non-Confidential'!D9","v":0},{"$f":"'Step 1 Non-Confidential'!H9","v":0},{"$f":"'Capping Cupping'!G12","v":0},{"$f":"'Capping Cupping'!G13","v":0},{"$f":"'Step 2 NBIB Confidential'!O159","v":0},{"$f":"'Step 2 NBIB Confidential'!O140","v":0},{"$f":"'Step 2 NBIB Confidential'!O155","v":0},{"$f":"'Step 2 NBIB Confidential'!H163","v":0},{"$f":"'Step 2 NBIB Confidential'!H178","v":0},{"$f":"'Step 2 NBIB Confidential'!N163","v":0},{"$f":"'Step 2 NBIB Confidential'!N178","v":0},null,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}}]
["Progress Sheets",null,null,null,{"$f":"E5","v":"00:00:00"},null,null,{"$f":"H5","v":"00:00:00"},null,null,{"$f":"'Step 2 NBIB Confidential'!I209","v":0},{"$f":"'Step 2 NBIB Confidential'!F209","v":0},{"$f":"'Step 2 NBIB Confidential'!D380","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E380","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F380","v":0.03},{"$f":"P5","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H380","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I380","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J380","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K380","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L380","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M380","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N380","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O380","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D381","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E381","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F381","v":0.03},{"$f":"AB5","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H381","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I381","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J381","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K381","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L381","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M381","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N381","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O381","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D382","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E382","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F382","v":0.03},{"$f":"AN5","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H382","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I382","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J382","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K382","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L382","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M382","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N382","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O382","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D383","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E383","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F383","v":0.03},{"$f":"AZ5","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H383","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I383","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J383","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K383","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L383","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M383","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N383","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O383","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D384","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E384","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F384","v":0.03},{"$f":"BL5","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H384","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I384","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J384","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K384","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L384","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M384","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N384","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O384","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D385","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E385","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F385","v":0.03},{"$f":"BX5","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H385","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I385","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J385","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K385","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L385","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M385","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N385","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O385","v":0.03},{"$f":"'Step 2 NBIB Confidential'!D386","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E386","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F386","v":0.03},{"$f":"CJ5","v":0.04},{"$f":"'Step 2 NBIB Confidential'!H386","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I386","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J386","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K386","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L386","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M386","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N386","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O386","v":0.03},{"$f":"CS5","v":0},{"$f":"'Step 2 NBIB Confidential'!C558","v":0},{"$f":"'Step 2 NBIB Confidential'!D558","v":0},{"$f":"'Step 2 NBIB Confidential'!E558","v":0},{"$f":"'Step 2 NBIB Confidential'!F558","v":0},{"$f":"'Step 2 NBIB Confidential'!G558","v":0},{"$f":"'Step 2 NBIB Confidential'!H558","v":0},{"$f":"CZ5","v":0.12},1.7500000000000002E-2,1.7500000000000002E-2,2,0.28999999999999998,0.58250000000000002,3.4700000000000002E-2,0,0,0,0,0,0.12,0,0,0,0,0,{"$f":"DR","v":{"$error":"#NAME?"}},{"$f":"DS5","v":0},{"$f":"DT5","v":0},{"$f":"'Step 1 Non-Confidential'!H9:H10","v":0},{"$f":"DV5","v":0},{"$f":"DW5","v":0},{"$f":"'Step 2 NBIB Confidential'!O159","v":0},{"$f":"'Step 2 NBIB Confidential'!O140","v":0},{"$f":"'Step 2 NBIB Confidential'!O155","v":0},{"$f":"'Step 2 NBIB Confidential'!H163","v":0},{"$f":"'Step 2 NBIB Confidential'!H178","v":0},{"$f":"'Step 2 NBIB Confidential'!N163","v":0},{"$f":"'Step 2 NBIB Confidential'!N178","v":0},null,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}}]
["PPV","Comm","Taxi","SV","ATV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Insurance Company Name\n(1)","Analyst","Billing Number","Class of Vehicles","File date","Indicated Overall Rate Change\n(119)","Selected Rate Change Prior to Capping\n(120)","Selected Rate Change After Capping\n(121)","Average Proposed Premium Prior to Capping\n(123)","Average Proposed Premium After Capping\n(124)","Date of Last Review by  Actuaries","Last Indicated","Last Approved","Residual","Issues or Directives from last filing","Recommendation","Comments"," Dislocation >10%","MCD Decision To review  internally or send to consultants"]
[{"$f":"A5","v":0},{"$f":"'Analyst Review'!B4","v":0},{"$f":"D5","v":0},{"$f":"A7","v":"PPV"},{"$f":"'Step 1 Non-Confidential'!M5","v":"00:00:00"},{"$f":"'Step 1 Non-Confidential'!L9:L10","v":0},{"$f":"'Step 1 Non-Confidential'!D9:D10","v":0},{"$f":"'Step 1 Non-Confidential'!H9:H10","v":0},{"$f":"'Step 2 NBIB Confidential'!O140","v":0},{"$f":"'Step 2 NBIB Confidential'!O155","v":0},{"$f":"'Step 1 Non-Confidential'!D18","v":0},{"$f":"'[10]Start Here NBIB Cover Sheet'!H178","v":0.2132},{"$f":"'Step 1 Non-Confidential'!D19","v":0},null,null,null,null,{"$f":"'Step 1 Non-Confidential'!F56+'Step 1 Non-Confidential'!F57+'Step 1 Non-Confidential'!F58","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,0,0,0]
[]
[]
["RATE CHANGE DATA FOR ANNUAL PRICING STUDY"]
["Company ","Billing Number","Approved Rate Change","Preimum Period Dates From (Row 245)",null,"Dates to",null,null,{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$205, [11]Language!$A$205)","v":"Bodily Injury"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$206, [11]Language!$A$206)","v":"Property Damage"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$207, [11]Language!$A$207)","v":"Direct Comp - Property Damage"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$208, [11]Language!$A$208)","v":"Accident Benefits"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$209, [11]Language!$A$209)","v":"Uninsured Auto"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$210, [11]Language!$A$210)","v":"Health Services Levy"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$211, [11]Language!$A$211)","v":"Total Mandatory Coverage"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$212, [11]Language!$A$212)","v":"Collision"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$213, [11]Language!$A$213)","v":"Comprehensive"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$214, [11]Language!$A$214)","v":"Specified Perils"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$215, [11]Language!$A$215)","v":"All Perils"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$216, [11]Language!$A$216)","v":"SEF 44"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$217, [11]Language!$A$217)","v":"Total Optional Coverage"},{"$f":"IF('[11]Start Here NBIB Cover Sheet'!$H$3 = '[11]Drop Down'!$A$5, [11]Language!$B$218, [11]Language!$A$218)","v":"All Coverages Combined"}]
[{"$f":"A9","v":0},{"$f":"C9","v":0},{"$f":"EE5","v":0},{"$f":"'Step 2 NBIB Confidential'!E211","v":"jan"},{"$f":"'Step 2 NBIB Confidential'!F211","v":0},{"$f":"'Step 2 NBIB Confidential'!H211","v":"dec 31"},"Current Written Exposures - Row 109",null,{"$f":"'Step 2 NBIB Confidential'!B109","v":0},{"$f":"'Step 2 NBIB Confidential'!C109","v":0},{"$f":"'Step 2 NBIB Confidential'!D109","v":0},{"$f":"'Step 2 NBIB Confidential'!E109","v":0},{"$f":"'Step 2 NBIB Confidential'!F109","v":0},{"$f":"'Step 2 NBIB Confidential'!G109","v":0},{"$f":"'Step 2 NBIB Confidential'!H109","v":0},{"$f":"'Step 2 NBIB Confidential'!I109","v":0},{"$f":"'Step 2 NBIB Confidential'!J109","v":0},{"$f":"'Step 2 NBIB Confidential'!K109","v":0},{"$f":"'Step 2 NBIB Confidential'!L109","v":0},{"$f":"'Step 2 NBIB Confidential'!M109","v":0},{"$f":"'Step 2 NBIB Confidential'!N109","v":0},{"$f":"'Step 2 NBIB Confidential'!O109","v":0}]
[null,null,null,null,null,null,"Current Written Premium at current rate level - Row 125",null,{"$f":"'Step 2 NBIB Confidential'!B125","v":0},{"$f":"'Step 2 NBIB Confidential'!C125","v":0},{"$f":"'Step 2 NBIB Confidential'!D125","v":0},{"$f":"'Step 2 NBIB Confidential'!E125","v":0},{"$f":"'Step 2 NBIB Confidential'!F125","v":0},{"$f":"'Step 2 NBIB Confidential'!G125","v":0},{"$f":"'Step 2 NBIB Confidential'!H125","v":0},{"$f":"'Step 2 NBIB Confidential'!I125","v":0},{"$f":"'Step 2 NBIB Confidential'!J125","v":0},{"$f":"'Step 2 NBIB Confidential'!K125","v":0},{"$f":"'Step 2 NBIB Confidential'!L125","v":0},{"$f":"'Step 2 NBIB Confidential'!M125","v":0},{"$f":"'Step 2 NBIB Confidential'!N125","v":0},{"$f":"'Step 2 NBIB Confidential'!O125","v":0}]
[null,null,null,null,null,null,"On-Level Written Premium",null,{"$f":"I15*I16","v":0},0,0,0,0,0,0,0,0,0,0,0,{"$f":"U15*U16","v":0},{"$f":"V15*V16","v":0}]
[null,null,null,null,null,null,"Approved Rate Change by Coverage INPUT",null,"INPUT","INPUT","INPUT","INPUT","INPUT","INPUT","INPUT","INPUT","INPUT","INPUT","INPUT","INPUT","INPUT","INPUT"]
[]
[]
["copy row B15-19 to V15-19"]
["open PPV assumption chart/Rate  Change by Coverage"]
["Paste to applicable company starting at column B"]
["Paste as value and number formatting from Paste dropdown"]

{"sheet":"Data for Graphs","index":17,"n_rows":194,"n_cols":29,"rows_kept":194,"cut":false,"hidden":true,"merged":[[93,0,93,14],[100,0,100,1],[38,0,38,17],[43,0,43,2],[31,2,31,3],[31,0,31,1],[39,6,39,17],[39,3,39,5],[39,1,39,2],[54,0,54,2],[51,0,51,2],[46,0,46,2],[47,0,47,2],[48,0,48,2],[42,0,42,2],[41,15,41,17],[49,0,49,2],[50,0,50,2],[45,0,45,2],[44,0,44,2],[41,3,41,5],[61,6,61,12],[63,6,63,14],[64,2,64,4],[63,0,63,4],[86,0,86,1],[85,0,85,1],[61,1,61,2],[61,3,61,5],[87,0,87,1],[88,0,88,1],[81,2,81,13],[80,0,80,17],[83,0,83,1],[84,0,84,1],[41,12,41,14],[7,6,7,7],[26,0,26,1],[27,0,27,1],[26,2,26,3],[29,0,29,2],[14,11,14,13],[27,2,27,3],[41,6,41,8],[41,9,41,11],[5,3,5,5],[5,6,5,12],[7,2,7,3],[5,1,5,2],[7,4,7,5],[4,0,4,17],[60,0,60,17],[29,8,29,9],[30,8,30,9],[24,10,25,10],[24,11,25,11],[24,12,25,12],[24,13,25,13],[24,14,25,14],[24,15,25,15],[25,2,25,3],[55,0,55,2],[56,0,56,2],[58,0,58,2],[52,0,52,2],[53,0,53,2],[192,4,192,9],[98,0,98,14],[94,2,94,13],[99,2,99,13],[0,0,0,7],[1,0,1,2],[26,8,26,9],[27,8,27,9],[28,8,28,9],[1,3,1,4],[2,3,2,4],[22,6,22,16],[22,0,22,5],[23,1,23,2],[23,3,23,5],[89,0,89,1]]}
["Input all data for graphs on this worksheet"]
["Fill in all dark blue shaded areas",null,null,null,null,null,"Copy","Paste Special",null,"Values"]
["Data Sources are noted for each"]
[]
["Dislocation for Mandatory, Optional, and All Coverages After Capping"]
[null,"Data Sources:",null,"Non Confidential Summary Sheet",null,null,"Table 1, 2, 3 - Impact on Mandatory Coverage,  Optional Coverage, All Combined"]
[" "]
["Dislocation ",null,"All coverages",null,"Mandatory",null,"Optional"]
["Range of Rate Change",null,"# of Exposures","% Affected All","# of Exposures","% Affected Mandatory","# of Exposures","% Affected Optional"]
["> +20%",null,{"$f":"'Step 1 Non-Confidential'!E56","v":0},null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"E10/$E$21","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"G10/$G$21","v":{"$error":"#REF!"}}]
["+15.1% to +20%",null,{"$f":"'Step 1 Non-Confidential'!E57","v":0},{"$f":"C11/$C$21","v":{"$error":"#DIV/0!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["+10.1% to +15%",null,{"$f":"'Step 1 Non-Confidential'!E58","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["+5.1% to +10%",null,{"$f":"'Step 1 Non-Confidential'!E59","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["+0.1% to +5%",null,{"$f":"'Step 1 Non-Confidential'!E60","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["0%",null,{"$f":"'Step 1 Non-Confidential'!E61","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null,null,"Average Premium"]
["-0.1% to -5%",null,{"$f":"'Step 1 Non-Confidential'!E62","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null,null,null,"GISA ","Assumption Chart"]
["-5.1% to -10%",null,{"$f":"'Step 1 Non-Confidential'!E63","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null,null,{"$f":"E103","v":"2017"}]
["-10.1% to  -15%",null,{"$f":"'Step 1 Non-Confidential'!E64","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null,null,{"$f":"E104","v":"2018"}]
["-15.1% to -20%",null,{"$f":"'Step 1 Non-Confidential'!E65","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null,null,{"$f":"E105","v":"2019"}]
["< -20%",null,{"$f":"'Step 1 Non-Confidential'!E66","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null,null,{"$f":"E106","v":"2020"}]
["Total",null,{"$f":"SUM(C10:C20)","v":0},{"$error":"#DIV/0!"},{"$f":"SUM(E10:E20)","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"SUM(G10:G20)","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null,null,{"$f":"E107","v":"2021"}]
[]
["Market Share",null,null,null,null,null,"Change in Exposures and Premiums"]
[null,"Data Sources:",null,"Confidential Summary Sheet",null,null,null,null,null,null," ",null,"Confidential Summary Sheet Table 16"]
[" ",null,null,null,null,null,null," ",null,null,"Renewal Year","In-force Exposures","Earned Exposures","Written Premium    ($000's)","Earned Premium  ($000's)"]
[null,null,"Earned Premium",null,null,"% Market Share"]
["Company",null,{"$f":"'Step 2 NBIB Confidential'!I209","v":0},null,null,{"$f":"'Analyst Review'!D31","v":0},null,null,"4th Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C205","v":"2017"},{"$f":"'Step 2 NBIB Confidential'!D205","v":123},{"$f":"'Step 2 NBIB Confidential'!F205","v":789},{"$f":"'Step 2 NBIB Confidential'!H205","v":2345},{"$f":"'Step 2 NBIB Confidential'!I205","v":5678}]
["All Others",null,{"$f":"C32-C27","v":408284116},null,null,{"$f":"1-F27","v":1},null,null,"3rd Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C206","v":"2018"},{"$f":"'Step 2 NBIB Confidential'!D206","v":789},{"$f":"'Step 2 NBIB Confidential'!F206","v":0},{"$f":"'Step 2 NBIB Confidential'!H206","v":0},{"$f":"'Step 2 NBIB Confidential'!I206","v":0}]
[null,null,null,null,null,null,null,null,"2nd Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C207","v":"2019"},{"$f":"'Step 2 NBIB Confidential'!D207","v":456},{"$f":"'Step 2 NBIB Confidential'!F207","v":0},{"$f":"'Step 2 NBIB Confidential'!H207","v":0},{"$f":"'Step 2 NBIB Confidential'!I207","v":0}]
["Current PPV Assumption Chart",null,null,null,null,null,null,null,"1st Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C208","v":"2020"},{"$f":"'Step 2 NBIB Confidential'!D208","v":234},{"$f":"'Step 2 NBIB Confidential'!F208","v":0},{"$f":"'Step 2 NBIB Confidential'!H208","v":0},{"$f":"'Step 2 NBIB Confidential'!I208","v":0}]
[" ",null,2020,null,null,null,null,null,"Current Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C209","v":"2021"},{"$f":"'Step 2 NBIB Confidential'!D209","v":123},{"$f":"'Step 2 NBIB Confidential'!F209","v":0},{"$f":"'Step 2 NBIB Confidential'!H209","v":0},{"$f":"'Step 2 NBIB Confidential'!I209","v":0}]
["Earned Premium",null,408284116]
[null,null,null,null,null,"Market Share Previous 5 Years"]
["See Filing History or Previous filing for data:",null,null,null,{"$f":"K27","v":"2017"}]
[" ",null,null,null,{"$f":"K28","v":"2018"}]
[null,null,null,null,"2019"]
[null,null,null,null,"2020"]
[" ",null,null,null,"2021",{"$f":"F27","v":0}]
["Indicated-Selected-Approved 4 Year Trend"]
[null,"Data Sources:",null,"Confidential Summary Sheet",null,null,"Data Source - Confidential Summary Sheet Last 4 Approved Rate Level Change Table"]
[" "]
[null,null,null,"Current Filing",null,null,"Prior Filing",null,null,"2nd Prior Filing",null,null,"3rd Prior Filing",null,null,"4th Prior Filing"]
[" "]
[" ",null,null,"Indicated","Selected after capping"," ","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved"]
["BI",null,null,{"$f":"'Step 2 NBIB Confidential'!B163","v":0},{"$f":"'Step 2 NBIB Confidential'!B193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E478","v":0.09},{"$f":"'Step 2 NBIB Confidential'!F478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!G478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!H478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!I478","v":0.03},{"$f":"'Step 2 NBIB Confidential'!J478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!K478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!L478","v":0.03},{"$f":"'Step 2 NBIB Confidential'!M478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O478","v":0.03}]
["PD",null,null,{"$f":"'Step 2 NBIB Confidential'!C163","v":0},{"$f":"'Step 2 NBIB Confidential'!C193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D479","v":0},{"$f":"'Step 2 NBIB Confidential'!E479","v":0},{"$f":"'Step 2 NBIB Confidential'!F479","v":0},{"$f":"'Step 2 NBIB Confidential'!G479","v":0},{"$f":"'Step 2 NBIB Confidential'!H479","v":0},{"$f":"'Step 2 NBIB Confidential'!I479","v":0},{"$f":"'Step 2 NBIB Confidential'!J479","v":0},{"$f":"'Step 2 NBIB Confidential'!K479","v":0},{"$f":"'Step 2 NBIB Confidential'!L479","v":0},{"$f":"'Step 2 NBIB Confidential'!M479","v":0},{"$f":"'Step 2 NBIB Confidential'!N479","v":0},{"$f":"'Step 2 NBIB Confidential'!O479","v":0}]
["DCPD",null,null,{"$f":"'Step 2 NBIB Confidential'!D163","v":0},{"$f":"'Step 2 NBIB Confidential'!D193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D480","v":0},{"$f":"'Step 2 NBIB Confidential'!E480","v":0},{"$f":"'Step 2 NBIB Confidential'!F480","v":0},{"$f":"'Step 2 NBIB Confidential'!G480","v":0},{"$f":"'Step 2 NBIB Confidential'!H480","v":0},{"$f":"'Step 2 NBIB Confidential'!I480","v":0},{"$f":"'Step 2 NBIB Confidential'!J480","v":0},{"$f":"'Step 2 NBIB Confidential'!K480","v":0},{"$f":"'Step 2 NBIB Confidential'!L480","v":0},{"$f":"'Step 2 NBIB Confidential'!M480","v":0},{"$f":"'Step 2 NBIB Confidential'!N480","v":0},{"$f":"'Step 2 NBIB Confidential'!O480","v":0},null,null,null,null,null,null,"1 yr"]
["AB",null,null,{"$f":"'Step 2 NBIB Confidential'!E163","v":0},{"$f":"'Step 2 NBIB Confidential'!E193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D481","v":0},{"$f":"'Step 2 NBIB Confidential'!E481","v":0},{"$f":"'Step 2 NBIB Confidential'!F481","v":0},{"$f":"'Step 2 NBIB Confidential'!G481","v":0},{"$f":"'Step 2 NBIB Confidential'!H481","v":0},{"$f":"'Step 2 NBIB Confidential'!I481","v":0},{"$f":"'Step 2 NBIB Confidential'!J481","v":0},{"$f":"'Step 2 NBIB Confidential'!K481","v":0},{"$f":"'Step 2 NBIB Confidential'!L481","v":0},{"$f":"'Step 2 NBIB Confidential'!M481","v":0},{"$f":"'Step 2 NBIB Confidential'!N481","v":0},{"$f":"'Step 2 NBIB Confidential'!O481","v":0},null,null,null,null,null,null,"2yrs"]
["UA",null,null,{"$f":"'Step 2 NBIB Confidential'!F163","v":0},{"$f":"'Step 2 NBIB Confidential'!F193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D482","v":0},{"$f":"'Step 2 NBIB Confidential'!E482","v":0},{"$f":"'Step 2 NBIB Confidential'!F482","v":0},{"$f":"'Step 2 NBIB Confidential'!G482","v":0},{"$f":"'Step 2 NBIB Confidential'!H482","v":0},{"$f":"'Step 2 NBIB Confidential'!I482","v":0},{"$f":"'Step 2 NBIB Confidential'!J482","v":0},{"$f":"'Step 2 NBIB Confidential'!K482","v":0},{"$f":"'Step 2 NBIB Confidential'!L482","v":0},{"$f":"'Step 2 NBIB Confidential'!M482","v":0},{"$f":"'Step 2 NBIB Confidential'!N482","v":0},{"$f":"'Step 2 NBIB Confidential'!O482","v":0},null,null,null,null,null,null,"3yrs"]
["HSL",null,null,{"$f":"'Step 2 NBIB Confidential'!G163","v":0},{"$f":"'Step 2 NBIB Confidential'!G193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D483","v":0},{"$f":"'Step 2 NBIB Confidential'!E483","v":0},{"$f":"'Step 2 NBIB Confidential'!F483","v":0},{"$f":"'Step 2 NBIB Confidential'!G483","v":0},{"$f":"'Step 2 NBIB Confidential'!H483","v":0},{"$f":"'Step 2 NBIB Confidential'!I483","v":0},{"$f":"'Step 2 NBIB Confidential'!J483","v":0},{"$f":"'Step 2 NBIB Confidential'!K483","v":0},{"$f":"'Step 2 NBIB Confidential'!L483","v":0},{"$f":"'Step 2 NBIB Confidential'!M483","v":0},{"$f":"'Step 2 NBIB Confidential'!N483","v":0},{"$f":"'Step 2 NBIB Confidential'!O483","v":0},null,null,null,null,null,null,"4yrs"]
["TMC",null,null,{"$f":"'Step 2 NBIB Confidential'!H163","v":0},{"$f":"'Step 2 NBIB Confidential'!H193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D484","v":0},{"$f":"'Step 2 NBIB Confidential'!E484","v":0},{"$f":"'Step 2 NBIB Confidential'!F484","v":0},{"$f":"'Step 2 NBIB Confidential'!G484","v":0},{"$f":"'Step 2 NBIB Confidential'!H484","v":0},{"$f":"'Step 2 NBIB Confidential'!I484","v":0},{"$f":"'Step 2 NBIB Confidential'!J484","v":0},{"$f":"'Step 2 NBIB Confidential'!K484","v":0},{"$f":"'Step 2 NBIB Confidential'!L484","v":0},{"$f":"'Step 2 NBIB Confidential'!M484","v":0},{"$f":"'Step 2 NBIB Confidential'!N484","v":0},{"$f":"'Step 2 NBIB Confidential'!O484","v":0}]
["Coll",null,null,{"$f":"'Step 2 NBIB Confidential'!I163","v":0},{"$f":"'Step 2 NBIB Confidential'!I193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D485","v":0},{"$f":"'Step 2 NBIB Confidential'!E485","v":0},{"$f":"'Step 2 NBIB Confidential'!F485","v":0},{"$f":"'Step 2 NBIB Confidential'!G485","v":0},{"$f":"'Step 2 NBIB Confidential'!H485","v":0},{"$f":"'Step 2 NBIB Confidential'!I485","v":0},{"$f":"'Step 2 NBIB Confidential'!J485","v":0},{"$f":"'Step 2 NBIB Confidential'!K485","v":0},{"$f":"'Step 2 NBIB Confidential'!L485","v":0},{"$f":"'Step 2 NBIB Confidential'!M485","v":0},{"$f":"'Step 2 NBIB Confidential'!N485","v":0},{"$f":"'Step 2 NBIB Confidential'!O485","v":0}]
["Comp",null,null,{"$f":"'Step 2 NBIB Confidential'!J163","v":0},{"$f":"'Step 2 NBIB Confidential'!J193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D485","v":0},{"$f":"'Step 2 NBIB Confidential'!E486","v":0},{"$f":"'Step 2 NBIB Confidential'!F486","v":0},{"$f":"'Step 2 NBIB Confidential'!G486","v":0},{"$f":"'Step 2 NBIB Confidential'!H486","v":0},{"$f":"'Step 2 NBIB Confidential'!I486","v":0},{"$f":"'Step 2 NBIB Confidential'!J486","v":0},{"$f":"'Step 2 NBIB Confidential'!K486","v":0},{"$f":"'Step 2 NBIB Confidential'!L486","v":0},{"$f":"'Step 2 NBIB Confidential'!M486","v":0},{"$f":"'Step 2 NBIB Confidential'!N486","v":0},{"$f":"'Step 2 NBIB Confidential'!O486","v":0}]
["SP",null,null,{"$f":"'Step 2 NBIB Confidential'!K163","v":0},{"$f":"'Step 2 NBIB Confidential'!K193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D486","v":0},{"$f":"'Step 2 NBIB Confidential'!E487","v":0},{"$f":"'Step 2 NBIB Confidential'!F487","v":0},{"$f":"'Step 2 NBIB Confidential'!G487","v":0},{"$f":"'Step 2 NBIB Confidential'!H487","v":0},{"$f":"'Step 2 NBIB Confidential'!I487","v":0},{"$f":"'Step 2 NBIB Confidential'!J487","v":0},{"$f":"'Step 2 NBIB Confidential'!K487","v":0},{"$f":"'Step 2 NBIB Confidential'!L487","v":0},{"$f":"'Step 2 NBIB Confidential'!M487","v":0},{"$f":"'Step 2 NBIB Confidential'!N487","v":0},{"$f":"'Step 2 NBIB Confidential'!O487","v":0}]
["AP",null,null,{"$f":"'Step 2 NBIB Confidential'!L163","v":0},{"$f":"'Step 2 NBIB Confidential'!L193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D488","v":0},{"$f":"'Step 2 NBIB Confidential'!E488","v":0},{"$f":"'Step 2 NBIB Confidential'!F488","v":0},{"$f":"'Step 2 NBIB Confidential'!F488","v":0},{"$f":"'Step 2 NBIB Confidential'!H488","v":0},{"$f":"'Step 2 NBIB Confidential'!I488","v":0},{"$f":"'Step 2 NBIB Confidential'!J488","v":0},{"$f":"'Step 2 NBIB Confidential'!K488","v":0},{"$f":"'Step 2 NBIB Confidential'!L488","v":0},{"$f":"'Step 2 NBIB Confidential'!M488","v":0},{"$f":"'Step 2 NBIB Confidential'!N488","v":0},{"$f":"'Step 2 NBIB Confidential'!O488","v":0}]
["SEF 44",null,null,{"$f":"'Step 2 NBIB Confidential'!M163","v":0},{"$f":"'Step 2 NBIB Confidential'!M193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D489","v":0},{"$f":"'Step 2 NBIB Confidential'!E489","v":0},{"$f":"'Step 2 NBIB Confidential'!F489","v":0},{"$f":"'Step 2 NBIB Confidential'!G488","v":0},{"$f":"'Step 2 NBIB Confidential'!H489","v":0},{"$f":"'Step 2 NBIB Confidential'!I489","v":0},{"$f":"'Step 2 NBIB Confidential'!J489","v":0},{"$f":"'Step 2 NBIB Confidential'!K489","v":0},{"$f":"'Step 2 NBIB Confidential'!L489","v":0},{"$f":"'Step 2 NBIB Confidential'!M489","v":0},{"$f":"'Step 2 NBIB Confidential'!N489","v":0},{"$f":"'Step 2 NBIB Confidential'!O489","v":0}]
["TOC",null,null,{"$f":"'Step 2 NBIB Confidential'!N163","v":0},{"$f":"'Step 2 NBIB Confidential'!N193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D490","v":0},{"$f":"'Step 2 NBIB Confidential'!E490","v":0},{"$f":"'Step 2 NBIB Confidential'!F490","v":0},{"$f":"'Step 2 NBIB Confidential'!G490","v":0},{"$f":"'Step 2 NBIB Confidential'!H490","v":0},{"$f":"'Step 2 NBIB Confidential'!I490","v":0},{"$f":"'Step 2 NBIB Confidential'!J490","v":0},{"$f":"'Step 2 NBIB Confidential'!K490","v":0},{"$f":"'Step 2 NBIB Confidential'!L490","v":0},{"$f":"'Step 2 NBIB Confidential'!M490","v":0},{"$f":"'Step 2 NBIB Confidential'!N490","v":0},{"$f":"'Step 2 NBIB Confidential'!O490","v":0}]
[]
["All Coverages Combined",null,null,{"$f":"'Step 2 NBIB Confidential'!O163","v":0},{"$f":"'Step 2 NBIB Confidential'!O193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D492","v":0},{"$f":"'Step 2 NBIB Confidential'!E492","v":0},{"$f":"'Step 2 NBIB Confidential'!F492","v":0},{"$f":"'Step 2 NBIB Confidential'!G492","v":0},{"$f":"'Step 2 NBIB Confidential'!H492","v":0},{"$f":"'Step 2 NBIB Confidential'!I492","v":0},{"$f":"'Step 2 NBIB Confidential'!J492","v":0},{"$f":"'Step 2 NBIB Confidential'!L492","v":0},{"$f":"'Step 2 NBIB Confidential'!L492","v":0},{"$f":"'Step 2 NBIB Confidential'!M492","v":0},{"$f":"'Step 2 NBIB Confidential'!N492","v":0},{"$f":"'Step 2 NBIB Confidential'!O492","v":0}]
[]
["Territory Distribution"]
[null,"Data Sources:",null," Confidential Summary Sheet",null,null,"Table 1 Current Written Exposures"]
["fill in all blue shaded areas"]
["Standard Market",null,null,null,null,null,"NON-STANDARD MARKET"]
["Territory Distribution:",null,"GISA Auto 3003 2018 Data",null,null,null,"2109-087",null,null,null,"2020-004",null,"2016-007",null,"2019-074"]
["Territory","Company Exposures (Column O)",{"$f":"'Step 1 Non-Confidential'!H6","v":{"$error":"#N/A"}},"Industry Exposure (Earned TPL)","Industry Dist'n",null,"ECHELON","Company Dist'n","PERTH","Company Dist'n","PAFCO","Company Dist'n","ELITE","Company Dist'n","FA","FA Dist'n","Non-Std Industry Exposure","Industry Dist'n"]
[1,{"$f":"'Step 2 NBIB Confidential'!O98","v":0},{"$f":"B67/B78","v":{"$error":"#DIV/0!"}},27402,{"$f":"D67/D78","v":5.363276762069917E-2}," ",545,{"$f":"G67/$G$78","v":0.93803786574870918},0,{"$f":"I67/$I$78","v":0},72,{"$f":"K67/$K$78","v":4.4859813084112146E-2},205,{"$f":"M67/$M$78","v":5.4319024907260198E-2},297,3.672627235213205E-2,{"$f":"G67+K67+O67","v":914},{"$f":"Q67/Q78","v":6.8910491384971254E-2}]
[2,{"$f":"'Step 2 NBIB Confidential'!O99","v":0},{"$f":"B68/B78","v":{"$error":"#DIV/0!"}},48656,{"$f":"D68/D78","v":9.5232316668591305E-2},null,511,0.87951807228915657,2,2.7777777777777776E-2,234,0.14579439252336449,165,4.372019077901431E-2,813,0.11925722145804676,{"$f":"G68+K68+O68","v":1558},{"$f":"Q68/Q78","v":0.11746449187941491}]
[3,{"$f":"'Step 2 NBIB Confidential'!O100","v":0},{"$f":"B69/B78","v":{"$error":"#DIV/0!"}},43824,{"$f":"D69/D78","v":8.5774848850796309E-2},null,581,1,6,8.3333333333333329E-2,226,0.14080996884735203,156,4.133545310015898E-2,693,0.10261348005502063,1500,{"$f":"Q69/Q78","v":0.11309161605848675}]
[4,{"$f":"'Step 2 NBIB Confidential'!O101","v":0},{"$f":"B70/B78","v":{"$error":"#DIV/0!"}},33765,{"$f":"D70/D78","v":6.6086796537220188E-2},null,499,0.85886402753872637,1,1.3888888888888888E-2,143,8.9096573208722746E-2,361,9.5654478007419177E-2,488,8.5144429160935356E-2,1130,{"$f":"Q70/Q78","v":8.5195684097393351E-2}]
[5,{"$f":"'Step 2 NBIB Confidential'!O102","v":0},{"$f":"B71/B78","v":{"$error":"#DIV/0!"}},39339,{"$f":"D71/D78","v":7.6996549355181548E-2},null,205,0.35283993115318418,4,5.5555555555555552E-2,188,0.11713395638629283,381,0.10095389507154214,394,6.6712517193947732E-2,787,{"$f":"Q71/Q78","v":5.9335401225352712E-2}]
[6,{"$f":"'Step 2 NBIB Confidential'!O103","v":0},{"$f":"B72/B78","v":{"$error":"#DIV/0!"}},46460,{"$f":"D72/D78","v":9.0934179390470896E-2},null,493,0.84853700516351116,3,4.1666666666666664E-2,166,0.10342679127725857,482,0.127715951245363,407,7.3039889958734519E-2,1066,{"$f":"Q72/Q78","v":8.0370441812231241E-2}]
[7,{"$f":"'Step 2 NBIB Confidential'!O104","v":0},{"$f":"B73/B78","v":{"$error":"#DIV/0!"}},39946,{"$f":"D73/D78","v":7.8184604604643784E-2},null,402,0.69191049913941483,1,1.3888888888888888E-2,55,3.4267912772585667E-2,328,8.6910439851616325E-2,302,5.4332874828060526E-2,759,{"$f":"Q73/Q78","v":5.7224357725594296E-2}]
[8,{"$f":"'Step 2 NBIB Confidential'!O105","v":0},{"$f":"B74/B78","v":{"$error":"#DIV/0!"}},49242,{"$f":"D74/D78","v":9.6379269512388455E-2},null,675,1.1617900172117039,5,6.9444444444444448E-2,28,1.7445482866043614E-2,348,9.2209856915739269E-2,562,8.6519944979367269E-2,1265,{"$f":"Q74/Q78","v":9.5373929542657152E-2}]
[9,{"$f":"'Step 2 NBIB Confidential'!O106","v":0},{"$f":"B75/B78","v":{"$error":"#DIV/0!"}},36303,{"$f":"D75/D78","v":7.1054315850457711E-2},null,262,0.45094664371772808,24,0.33333333333333331,68,4.2367601246105918E-2,431,0.1142024377318495,427,6.8775790921595595E-2,757,{"$f":"Q75/Q78","v":5.7073568904182977E-2}]
[10,{"$f":"'Step 2 NBIB Confidential'!O107","v":0},{"$f":"B76/B78","v":{"$error":"#DIV/0!"}},61504,{"$f":"D76/D78","v":0.12037915990597335},null,463,0.79690189328743544,17,0.2361111111111111,285,0.17757009345794392,418,0.11075781664016958,631,8.4456671251719392E-2,1379,{"$f":"Q76/Q78","v":0.10396889236310215}]
[11,{"$f":"'Step 2 NBIB Confidential'!O108","v":0},{"$f":"B77/B78","v":{"$error":"#DIV/0!"}},84478,{"$f":"D77/D78","v":0.16534519170357728},null,1705,2.9345955249569706,9,0.125,140,8.7227414330218064E-2,499,0.13222045574986752,1536,0.22242090784044016,3381,{"$f":"Q77/Q78","v":0.25490850259582915}]
["Prov",{"$f":"SUM(B67:B77)","v":0},{"$f":"SUM(C67:C77)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(D67:D77)","v":510919},{"$f":"D78/$D$78","v":1},null,581,1,72,1,{"$f":"SUM(K67:K77)","v":1605},1,3774,1,{"$f":"SUM(O67:O77)","v":6550},null,13263.582679942041]
[]
[]
["Trends"]
[null,"Data Source:","Actuarial Summary Sheet 1st Chart"]
[null,null,"BI","PD","DCPD","TPL","AB","UA","HSL","Coll","Comp","SP","AP","SEF 44"]
["Historical Loss Cost Trend",null,{"$f":"'Step 2 NBIB Confidential'!D380","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E380","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F380","v":0.03},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!H380","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I380","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J380","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K380","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L380","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M380","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N380","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O380","v":0.03}]
["Future Loss Cost Trend",null,{"$f":"'Step 2 NBIB Confidential'!D381","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E381","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F381","v":0.03},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!H381","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I381","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J381","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K381","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L381","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M381","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N381","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O381","v":0.03}]
["Historical Frequency Trend",null,{"$f":"'Step 2 NBIB Confidential'!D382","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E382","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F382","v":0.03},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!H382","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I382","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J382","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K382","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L382","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M382","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N382","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O382","v":0.03}]
["Future Frequency Trend",null,{"$f":"'Step 2 NBIB Confidential'!D383","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E383","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F383","v":0.03},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!H383","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I383","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J383","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K383","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L383","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M383","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N383","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O383","v":0.03}]
["Historical Severity Trend",null,{"$f":"'Step 2 NBIB Confidential'!D384","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E384","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F384","v":0.03},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!H384","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I384","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J384","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K384","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L384","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M384","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N384","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O384","v":0.03}]
["Future Severity Trend",null,{"$f":"'Step 2 NBIB Confidential'!D385","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E385","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F385","v":0.03},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!H385","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I385","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J385","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K385","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L385","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M385","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N385","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O385","v":0.03}]
["Premium Trend",null,{"$f":"'Step 2 NBIB Confidential'!D386","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E386","v":0.02},{"$f":"'Step 2 NBIB Confidential'!F386","v":0.03},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!H386","v":0.05},{"$f":"'Step 2 NBIB Confidential'!I386","v":0.06},{"$f":"'Step 2 NBIB Confidential'!J386","v":7.0000000000000007E-2},{"$f":"'Step 2 NBIB Confidential'!K386","v":0.08},{"$f":"'Step 2 NBIB Confidential'!L386","v":0.09},{"$f":"'Step 2 NBIB Confidential'!M386","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N386","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O386","v":0.03}]
[]
[]
["ROE - ROE Implied"]
["Return on Equity (After Tax)"]
[null,"Data Source:","Actuarial Summary Sheet "]
[null,"Target ROE Underlying Indications for 2008 Calendar Year","Target ROE Underlying Indications for 2009 Calendar Year","Target ROE Underlying Indications for 2010 Calendar Year","Target ROE Underlying Indications for 2011  Calendar Year","Target ROE Underlying Indications for 2012  Calendar Year","Target ROE Underlying Indications for Current Calendar Year","ROE Implied by Selected Rate Change for 2008 Calendar Year","ROE Implied by Selected Rate Change for 2009 Calendar Year","ROE Implied by Selected Rate Change for 2010 Calendar Year","ROE Implied by Selected Rate Change for 2011 Calendar Year","ROE Implied by Selected Rate Change for 2012 Calendar Year","ROE Implied by Selected Rate Change for Current Calendar Year",null,null,null,null,null,null,null,null,null,null,"Current","Prior","2nd Prior","3rd Prior","4th Prior","5th Prior"]
[null,0.2,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},0.5,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},0.2,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},0.3,0.5,null,null,null,null,null,null,null,null,null,"Target ROE",{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Implied ROE",{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}}]
["Average Premium and Expenses"]
[null,"Data Source:","Actuarial Summary Sheet and Assumption Chart History"]
["Average Premium",null,"Table 7",null,null,"Table 16",null,"Expenses","Table 24",null,"Assumption Chart-History"]
[null,null,"Average Current Premium",null,"Year","Average Proposed Written Premium\n",null,null,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,"Year","Total Expenses (Excluding Health Levy) as % of Premium"]
[null,"Current",{"$f":"'Step 2 NBIB Confidential'!O125","v":0},null,{"$f":"'Step 2 NBIB Confidential'!C205","v":"2017"},{"$f":"'Step 2 NBIB Confidential'!K205","v":876},null,"Current",{"$f":"'Step 2 NBIB Confidential'!G558","v":0},null,"4th Prior"]
[null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C206","v":"2018"},{"$f":"'Step 2 NBIB Confidential'!K206","v":0},null,null,null,null,"3rd Prior"]
[null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C207","v":"2019"},{"$f":"'Step 2 NBIB Confidential'!K207","v":0},null,null,null,null,"2nd Prior"]
[null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C208","v":"2020"},{"$f":"'Step 2 NBIB Confidential'!K208","v":0},null,null,null,null,"Prior"]
[null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C209","v":"2021"},{"$f":"'Step 2 NBIB Confidential'!K209","v":0},null,null,null,null,"Current",{"$f":"I103","v":0}]
[null,null,null,null,"Proposed",{"$f":"'Step 2 NBIB Confidential'!O178","v":0}]
["Commercial Vehicles"]
[]
["Type of Use","Inforce Exposures","Premium","Premium (%)"]
["All commercial automobiles not specified",2146,400003,0.47910000000000003]
["Livestock hauling",1,399,5.0000000000000001E-4]
["Grain hauling",0,0,0]
["Hay hauling",0,0,0]
["Manure hauling",0,0,0]
["Fertilizer hauling",0,0,0]
["Fisherman",0,0,0]
["Artisan",62,10268,1.23E-2]
["Electrical contractor",610,107341,0.12859999999999999]
["Plumbing contractor",0,0,0]
["Roofing contractor",0,0,0]
["HVAC contractor",0,0,0]
["Masonry contractor",0,0,0]
["Plastering/drywall contractor",0,0,0]
["Home repair contractor",0,0,0]
["Commercial cleaning service for others",0,0,0]
["Residential cleaning service for others",0,0,0]
["Geotechnical engineer (soil density testing only)",0,0,0]
["Electronics - service repair",3,710,8.9999999999999998E-4]
["Landscaping",57,11046,1.32E-2]
["Gardeners/garden centers",0,0,0]
["Horticulturalists",0,0,0]
["Arborist / nurserymen (planting/transplanting operations)",0,0,0]
["Dog Walkers",0,0,0]
["Auto accessories & parts",60,12771,1.5299999999999999E-2]
["Courtesy vehicles (incidental to garage operations only)",0,0,0]
["Tow trucks / service trucks (incidental to garage operations only)",61,15560,1.8599999999999998E-2]
["Valet services/parking",0,0,0]
["Courier / message services / mail delivery – set routes",36,8686,1.04E-2]
["Courier / message services / mail delivery – no set routes",12,3637,4.4000000000000003E-3]
["Newspaper delivery – urban",6,1906,2.3E-3]
["Newspaper delivery - rural (less than 15,000 population)",19,3741,4.4999999999999997E-3]
["Fast food delivery / meal delivery",0,0,0]
["Drug store/pharmacy delivery",0,0,0]
["Wood / coal delivery (for fuel purposes only)",11,2450,2.8999999999999998E-3]
["Truckmen operating  < 80 km radius (normal)",87,25609,3.0700000000000002E-2]
["Truckmen operating  80 km - 160 km radius (normal)",0,0,0]
["Truckmen operating  >160 km radius (normal)",45,14594,1.7500000000000002E-2]
["Delivery of cement block, building block, and bricks",0,0,0]
["Delivery of lumber",0,0,0]
["Delivery of steel",2,538,5.9999999999999995E-4]
["Delivery of all other building material products",22,6129,7.3000000000000001E-3]
["Mobile cranes",0,0,0]
["Cement mixer",0,0,0]
["Industrial machinery manufacturing/distribution",0,0,0]
["Delivery of construction/maintenance equipment (backhoes/loaders/non-farm tractors)",733,49872,5.9700000000000003E-2]
["Road construction equipment (plated)",6,355,4.0000000000000002E-4]
["Excavation",0,0,0]
["Demolition contractor",0,0,0]
["Quarrying",0,0,0]
["Sand and gravel hauling - pay-per-load",0,0,0]
["Sand and gravel hauling – non-pay-per load",284,88495,0.106]
["Delivery of sewer and septic tank equipment",8,2190,2.5999999999999999E-3]
["Well drilling contractors",0,0,0]
["Oil drilling, exploration, and seismography",0,0,0]
["Mining",0,0,0]
["Livestock - for self",9,1001,1.1999999999999999E-3]
["Grain hauling - for self",702,32582,3.9E-2]
["Hay hauling - for self",0,0,0]
["Manure hauling - for self",0,0,0]
["Fertilizer hauling - for self",0,0,0]
["Fisherman - for self",132,12192,1.46E-2]
["Bakery / confectionary",9,2336,2.8E-3]
["Brewery",4,997,1.1999999999999999E-3]
["Soft drinks",0,0,0]
["Wineries",0,0,0]
["Butter / cheese / ice cream / dairy",10,1965,2.3999999999999998E-3]
["Meat / poultry / fish / seafood",23,5628,6.7000000000000002E-3]
["Ice",1,150,2.0000000000000001E-4]
["Knacker – bone / tallow / animal fat",0,0,0]
["Market gardeners / produce",9,2200,2.5999999999999999E-3]
["Grocers",0,0,0]
["Hardware stores",5,574,6.9999999999999999E-4]
["Photography / film",0,0,0]
["Florists",3,825,1E-3]
["Furniture",19,4249,5.1000000000000004E-3]
["Caterers",7,1994,2.3999999999999998E-3]
["Canteen vendors",6,923,1.1000000000000001E-3]
["Chip wagons",1,270,2.9999999999999997E-4]
["Dry cleaners",3,789,8.9999999999999998E-4]
["Safes",0,0,0]
["Total",5214,834975,1]
["Uses a Vehicle-Level Exposure Basis"]

{"sheet":"Graphs_PPV","index":18,"n_rows":130,"n_cols":29,"rows_kept":130,"cut":false,"hidden":true,"merged":[[94,0,94,17],[0,0,0,16],[2,0,2,21],[21,0,21,21],[41,0,41,21],[60,0,60,21]]}
["Graphs"]
[]
["Market Share - Approved Rate Changes - Exposures and Premiums-ROE-Average Premium-Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2012]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2011]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2010]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2009]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Indicated-Selected-Approved 4 Year Trend"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Territory Distribution"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Trends"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["NBIB Statistical 11 Territories"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Before Capping"]

{"sheet":"Graphs_Comm","index":19,"n_rows":167,"n_cols":18,"rows_kept":167,"cut":false,"hidden":true,"merged":[[158,0,158,14],[159,2,159,13],[160,0,160,1],[133,0,133,4],[134,2,134,4],[152,0,152,14],[153,2,153,13],[155,0,155,1],[156,0,156,1],[131,1,131,2],[131,3,131,5],[131,6,131,12],[118,0,118,2],[119,0,119,2],[120,0,120,2],[121,0,121,2],[122,0,122,2],[123,0,123,2],[124,0,124,2],[125,0,125,2],[126,0,126,2],[128,0,128,2],[130,0,130,17],[117,0,117,2],[109,1,109,2],[109,3,109,5],[109,6,109,17],[111,3,111,5],[111,6,111,8],[111,9,111,11],[111,12,111,14],[111,15,111,17],[112,0,112,2],[113,0,113,2],[114,0,114,2],[115,0,115,2],[116,0,116,2],[108,0,108,17],[92,0,92,1],[92,2,92,3],[93,0,93,1],[93,2,93,3],[97,0,97,10],[99,3,99,5],[99,6,99,8],[99,9,99,11],[101,0,101,1],[102,0,102,1],[103,0,103,1],[104,0,104,1],[105,0,105,1],[73,0,73,21],[74,0,74,21],[87,0,87,7],[89,0,89,5],[91,2,91,3],[91,4,91,5],[56,0,56,21],[0,0,0,16],[1,0,1,21],[3,17,3,21],[20,0,20,21],[39,0,39,21]]}
["Graphs"]
["Market Share - Approved Rate Changes - Exposures and Premiums-Average Premium-Expenses-ROE"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company",null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vehicle Class",null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Indicated-Selected-Approved 4 Year Trend"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["RFG-1 Graphs"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Territory Distribution"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["IAO Market"]
["See Corresponding Assumption Chart with Market Share Data"]
[null,null,2014," "]
[null,null,"Earned Prem","% of Total Market"]
[null,"IAO COMM",18784474,5.0999999999999997E-2]
[null,"IAO ATV",3000,2.9999999999999997E-4]
[null,"IAO MC",143,0]
[null,"IAO SV",2603.89,8.0000000000000004E-4]
[]
[]
[]
[]
[]
[]
["Data for Graphs"]
[]
["Market Share"]
[" "]
[null,null,"Earned Premium",null,"% Market Share"]
["Company",null,{"$f":"'Step 2 NBIB Confidential'!I209","v":0},null,null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
["All Others",null,null,null,null,{"$f":"1-F93","v":{"$error":"#REF!"}}]
[]
[]
[]
["Change in Exposures and Premiums - Average Premiums"]
[]
[null,null,null,"Exposures",null,null,"Premiums ",null,null,"Average Premium"]
[null,null,"Renewal Year","In-force ","Written","Earned ","In-force ","Written","Earned ","In-force ","Written","Earned "]
["4th Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C205","v":"2017"},{"$f":"'Step 2 NBIB Confidential'!D205","v":123},{"$f":"'Step 2 NBIB Confidential'!E205","v":456},{"$f":"'Step 2 NBIB Confidential'!F205","v":789},{"$f":"'Step 2 NBIB Confidential'!G205","v":1234},{"$f":"'Step 2 NBIB Confidential'!H205","v":2345},{"$f":"'Step 2 NBIB Confidential'!I205","v":5678},{"$f":"'Step 2 NBIB Confidential'!J205","v":987},{"$f":"'Step 2 NBIB Confidential'!K205","v":876},{"$f":"'Step 2 NBIB Confidential'!L205","v":986}]
["3rd Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C206","v":"2018"},{"$f":"'Step 2 NBIB Confidential'!D206","v":789},{"$f":"'Step 2 NBIB Confidential'!E206","v":0},{"$f":"'Step 2 NBIB Confidential'!F206","v":0},{"$f":"'Step 2 NBIB Confidential'!G206","v":0},{"$f":"'Step 2 NBIB Confidential'!H206","v":0},{"$f":"'Step 2 NBIB Confidential'!I206","v":0},{"$f":"'Step 2 NBIB Confidential'!J206","v":0},{"$f":"'Step 2 NBIB Confidential'!K206","v":0},{"$f":"'Step 2 NBIB Confidential'!L206","v":0}]
["2nd Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C207","v":"2019"},{"$f":"'Step 2 NBIB Confidential'!D207","v":456},{"$f":"'Step 2 NBIB Confidential'!E207","v":0},{"$f":"'Step 2 NBIB Confidential'!F207","v":0},{"$f":"'Step 2 NBIB Confidential'!G207","v":0},{"$f":"'Step 2 NBIB Confidential'!H207","v":0},{"$f":"'Step 2 NBIB Confidential'!I207","v":0},{"$f":"'Step 2 NBIB Confidential'!J207","v":0},{"$f":"'Step 2 NBIB Confidential'!K207","v":0},{"$f":"'Step 2 NBIB Confidential'!L207","v":0}]
["1st Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C208","v":"2020"},{"$f":"'Step 2 NBIB Confidential'!D208","v":234},{"$f":"'Step 2 NBIB Confidential'!E208","v":0},{"$f":"'Step 2 NBIB Confidential'!F208","v":0},{"$f":"'Step 2 NBIB Confidential'!G208","v":0},{"$f":"'Step 2 NBIB Confidential'!H208","v":0},{"$f":"'Step 2 NBIB Confidential'!I208","v":0},{"$f":"'Step 2 NBIB Confidential'!J208","v":0},{"$f":"'Step 2 NBIB Confidential'!K208","v":0},{"$f":"'Step 2 NBIB Confidential'!L208","v":0}]
["Current Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C209","v":"2021"},{"$f":"'Step 2 NBIB Confidential'!D209","v":123},{"$f":"'Step 2 NBIB Confidential'!E209","v":0},{"$f":"'Step 2 NBIB Confidential'!F209","v":0},{"$f":"'Step 2 NBIB Confidential'!G209","v":0},{"$f":"'Step 2 NBIB Confidential'!H209","v":0},{"$f":"'Step 2 NBIB Confidential'!I209","v":0},{"$f":"'Step 2 NBIB Confidential'!J209","v":0},{"$f":"'Step 2 NBIB Confidential'!K209","v":0},{"$f":"'Step 2 NBIB Confidential'!L209","v":0}]
[]
[" "]
["Indicated-Selected-Approved 4 Year Trend"]
[null,"Data Sources:",null,"Confidential Summary Sheet",null,null,"Data Source - Confidential Summary Sheet Last 4 Approved Rate Level Change Table"]
[" "]
[null,null,null,"Current Filing",null,null,"Prior Filing",null,null,"2nd Prior Filing",null,null,"3rd Prior Filing",null,null,"4th Prior Filing"]
[" "]
[" ",null,null,"Indicated","Selected after capping"," ","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved"]
["BI",null,null,{"$f":"'Step 2 NBIB Confidential'!B163","v":0},{"$f":"'Step 2 NBIB Confidential'!B193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E478","v":0.09},{"$f":"'Step 2 NBIB Confidential'!F478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!G478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!H478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!I478","v":0.03},{"$f":"'Step 2 NBIB Confidential'!J478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!K478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!L478","v":0.03},{"$f":"'Step 2 NBIB Confidential'!M478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O478","v":0.03}]
["PD",null,null,{"$f":"'Step 2 NBIB Confidential'!C163","v":0},{"$f":"'Step 2 NBIB Confidential'!C193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D479","v":0},{"$f":"'Step 2 NBIB Confidential'!E479","v":0},{"$f":"'Step 2 NBIB Confidential'!F479","v":0},{"$f":"'Step 2 NBIB Confidential'!G479","v":0},{"$f":"'Step 2 NBIB Confidential'!H479","v":0},{"$f":"'Step 2 NBIB Confidential'!I479","v":0},{"$f":"'Step 2 NBIB Confidential'!J479","v":0},{"$f":"'Step 2 NBIB Confidential'!K479","v":0},{"$f":"'Step 2 NBIB Confidential'!L479","v":0},{"$f":"'Step 2 NBIB Confidential'!M479","v":0},{"$f":"'Step 2 NBIB Confidential'!N479","v":0},{"$f":"'Step 2 NBIB Confidential'!O479","v":0}]
["DCPD",null,null,{"$f":"'Step 2 NBIB Confidential'!D163","v":0},{"$f":"'Step 2 NBIB Confidential'!D193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D480","v":0},{"$f":"'Step 2 NBIB Confidential'!E480","v":0},{"$f":"'Step 2 NBIB Confidential'!F480","v":0},{"$f":"'Step 2 NBIB Confidential'!G480","v":0},{"$f":"'Step 2 NBIB Confidential'!H480","v":0},{"$f":"'Step 2 NBIB Confidential'!I480","v":0},{"$f":"'Step 2 NBIB Confidential'!J480","v":0},{"$f":"'Step 2 NBIB Confidential'!K480","v":0},{"$f":"'Step 2 NBIB Confidential'!L480","v":0},{"$f":"'Step 2 NBIB Confidential'!M480","v":0},{"$f":"'Step 2 NBIB Confidential'!N480","v":0},{"$f":"'Step 2 NBIB Confidential'!O480","v":0}]
["AB",null,null,{"$f":"'Step 2 NBIB Confidential'!E163","v":0},{"$f":"'Step 2 NBIB Confidential'!E193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D481","v":0},{"$f":"'Step 2 NBIB Confidential'!E481","v":0},{"$f":"'Step 2 NBIB Confidential'!F481","v":0},{"$f":"'Step 2 NBIB Confidential'!G481","v":0},{"$f":"'Step 2 NBIB Confidential'!H481","v":0},{"$f":"'Step 2 NBIB Confidential'!I481","v":0},{"$f":"'Step 2 NBIB Confidential'!J481","v":0},{"$f":"'Step 2 NBIB Confidential'!K481","v":0},{"$f":"'Step 2 NBIB Confidential'!L481","v":0},{"$f":"'Step 2 NBIB Confidential'!M481","v":0},{"$f":"'Step 2 NBIB Confidential'!N481","v":0},{"$f":"'Step 2 NBIB Confidential'!O481","v":0}]
["UA",null,null,{"$f":"'Step 2 NBIB Confidential'!F163","v":0},{"$f":"'Step 2 NBIB Confidential'!F193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D482","v":0},{"$f":"'Step 2 NBIB Confidential'!E482","v":0},{"$f":"'Step 2 NBIB Confidential'!F482","v":0},{"$f":"'Step 2 NBIB Confidential'!G482","v":0},{"$f":"'Step 2 NBIB Confidential'!H482","v":0},{"$f":"'Step 2 NBIB Confidential'!I482","v":0},{"$f":"'Step 2 NBIB Confidential'!J482","v":0},{"$f":"'Step 2 NBIB Confidential'!K482","v":0},{"$f":"'Step 2 NBIB Confidential'!L482","v":0},{"$f":"'Step 2 NBIB Confidential'!M482","v":0},{"$f":"'Step 2 NBIB Confidential'!N482","v":0},{"$f":"'Step 2 NBIB Confidential'!O482","v":0}]
["HSL",null,null,{"$f":"'Step 2 NBIB Confidential'!G163","v":0},{"$f":"'Step 2 NBIB Confidential'!G193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D483","v":0},{"$f":"'Step 2 NBIB Confidential'!E483","v":0},{"$f":"'Step 2 NBIB Confidential'!F483","v":0},{"$f":"'Step 2 NBIB Confidential'!G483","v":0},{"$f":"'Step 2 NBIB Confidential'!H483","v":0},{"$f":"'Step 2 NBIB Confidential'!I483","v":0},{"$f":"'Step 2 NBIB Confidential'!J483","v":0},{"$f":"'Step 2 NBIB Confidential'!K483","v":0},{"$f":"'Step 2 NBIB Confidential'!L483","v":0},{"$f":"'Step 2 NBIB Confidential'!M483","v":0},{"$f":"'Step 2 NBIB Confidential'!N483","v":0},{"$f":"'Step 2 NBIB Confidential'!O483","v":0}]
["TMC",null,null,{"$f":"'Step 2 NBIB Confidential'!H163","v":0},{"$f":"'Step 2 NBIB Confidential'!H193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D484","v":0},{"$f":"'Step 2 NBIB Confidential'!E484","v":0},{"$f":"'Step 2 NBIB Confidential'!F484","v":0},{"$f":"'Step 2 NBIB Confidential'!G484","v":0},{"$f":"'Step 2 NBIB Confidential'!H484","v":0},{"$f":"'Step 2 NBIB Confidential'!I484","v":0},{"$f":"'Step 2 NBIB Confidential'!J484","v":0},{"$f":"'Step 2 NBIB Confidential'!K484","v":0},{"$f":"'Step 2 NBIB Confidential'!L484","v":0},{"$f":"'Step 2 NBIB Confidential'!M484","v":0},{"$f":"'Step 2 NBIB Confidential'!N484","v":0},{"$f":"'Step 2 NBIB Confidential'!O484","v":0}]
["Coll",null,null,{"$f":"'Step 2 NBIB Confidential'!I163","v":0},{"$f":"'Step 2 NBIB Confidential'!I193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D485","v":0},{"$f":"'Step 2 NBIB Confidential'!E485","v":0},{"$f":"'Step 2 NBIB Confidential'!F485","v":0},{"$f":"'Step 2 NBIB Confidential'!G485","v":0},{"$f":"'Step 2 NBIB Confidential'!H485","v":0},{"$f":"'Step 2 NBIB Confidential'!I485","v":0},{"$f":"'Step 2 NBIB Confidential'!J485","v":0},{"$f":"'Step 2 NBIB Confidential'!K485","v":0},{"$f":"'Step 2 NBIB Confidential'!L485","v":0},{"$f":"'Step 2 NBIB Confidential'!M485","v":0},{"$f":"'Step 2 NBIB Confidential'!N485","v":0},{"$f":"'Step 2 NBIB Confidential'!O485","v":0}]
["Comp",null,null,{"$f":"'Step 2 NBIB Confidential'!J163","v":0},{"$f":"'Step 2 NBIB Confidential'!J193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D486","v":0},{"$f":"'Step 2 NBIB Confidential'!E486","v":0},{"$f":"'Step 2 NBIB Confidential'!F486","v":0},{"$f":"'Step 2 NBIB Confidential'!G486","v":0},{"$f":"'Step 2 NBIB Confidential'!H486","v":0},{"$f":"'Step 2 NBIB Confidential'!I486","v":0},{"$f":"'Step 2 NBIB Confidential'!J486","v":0},{"$f":"'Step 2 NBIB Confidential'!K486","v":0},{"$f":"'Step 2 NBIB Confidential'!L486","v":0},{"$f":"'Step 2 NBIB Confidential'!M486","v":0},{"$f":"'Step 2 NBIB Confidential'!N486","v":0},{"$f":"'Step 2 NBIB Confidential'!O486","v":0}]
["SP",null,null,{"$f":"'Step 2 NBIB Confidential'!K163","v":0},{"$f":"'Step 2 NBIB Confidential'!K193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D487","v":0},{"$f":"'Step 2 NBIB Confidential'!E487","v":0},{"$f":"'Step 2 NBIB Confidential'!F487","v":0},{"$f":"'Step 2 NBIB Confidential'!G487","v":0},{"$f":"'Step 2 NBIB Confidential'!H487","v":0},{"$f":"'Step 2 NBIB Confidential'!I487","v":0},{"$f":"'Step 2 NBIB Confidential'!J487","v":0},{"$f":"'Step 2 NBIB Confidential'!K487","v":0},{"$f":"'Step 2 NBIB Confidential'!L487","v":0},{"$f":"'Step 2 NBIB Confidential'!M487","v":0},{"$f":"'Step 2 NBIB Confidential'!N487","v":0},{"$f":"'Step 2 NBIB Confidential'!O487","v":0}]
["AP",null,null,{"$f":"'Step 2 NBIB Confidential'!L163","v":0},{"$f":"'Step 2 NBIB Confidential'!L193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D488","v":0},{"$f":"'Step 2 NBIB Confidential'!E488","v":0},{"$f":"'Step 2 NBIB Confidential'!F488","v":0},{"$f":"'Step 2 NBIB Confidential'!G488","v":0},{"$f":"'Step 2 NBIB Confidential'!H488","v":0},{"$f":"'Step 2 NBIB Confidential'!I488","v":0},{"$f":"'Step 2 NBIB Confidential'!J488","v":0},{"$f":"'Step 2 NBIB Confidential'!K488","v":0},{"$f":"'Step 2 NBIB Confidential'!L488","v":0},{"$f":"'Step 2 NBIB Confidential'!M488","v":0},{"$f":"'Step 2 NBIB Confidential'!N488","v":0},{"$f":"'Step 2 NBIB Confidential'!O488","v":0}]
["SEF 44",null,null,{"$f":"'Step 2 NBIB Confidential'!M163","v":0},{"$f":"'Step 2 NBIB Confidential'!M193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D489","v":0},{"$f":"'Step 2 NBIB Confidential'!E489","v":0},{"$f":"'Step 2 NBIB Confidential'!F489","v":0},{"$f":"'Step 2 NBIB Confidential'!G489","v":0},{"$f":"'Step 2 NBIB Confidential'!H489","v":0},{"$f":"'Step 2 NBIB Confidential'!I489","v":0},{"$f":"'Step 2 NBIB Confidential'!J489","v":0},{"$f":"'Step 2 NBIB Confidential'!K489","v":0},{"$f":"'Step 2 NBIB Confidential'!L489","v":0},{"$f":"'Step 2 NBIB Confidential'!M489","v":0},{"$f":"'Step 2 NBIB Confidential'!N489","v":0},{"$f":"'Step 2 NBIB Confidential'!O489","v":0}]
["TOC",null,null,{"$f":"'Step 2 NBIB Confidential'!N163","v":0},{"$f":"'Step 2 NBIB Confidential'!N193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D490","v":0},{"$f":"'Step 2 NBIB Confidential'!E490","v":0},{"$f":"'Step 2 NBIB Confidential'!F490","v":0},{"$f":"'Step 2 NBIB Confidential'!G490","v":0},{"$f":"'Step 2 NBIB Confidential'!H490","v":0},{"$f":"'Step 2 NBIB Confidential'!I490","v":0},{"$f":"'Step 2 NBIB Confidential'!J490","v":0},{"$f":"'Step 2 NBIB Confidential'!K490","v":0},{"$f":"'Step 2 NBIB Confidential'!L490","v":0},{"$f":"'Step 2 NBIB Confidential'!M490","v":0},{"$f":"'Step 2 NBIB Confidential'!N490","v":0},{"$f":"'Step 2 NBIB Confidential'!O490","v":0}]
[]
["All Coverages Combined",null,null,{"$f":"'Step 2 NBIB Confidential'!O163","v":0},{"$f":"'Step 2 NBIB Confidential'!O193","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D492","v":0},{"$f":"'Step 2 NBIB Confidential'!E492","v":0},{"$f":"'Step 2 NBIB Confidential'!F492","v":0},{"$f":"'Step 2 NBIB Confidential'!G492","v":0},{"$f":"'Step 2 NBIB Confidential'!H492","v":0},{"$f":"'Step 2 NBIB Confidential'!I492","v":0},{"$f":"'Step 2 NBIB Confidential'!J492","v":0},{"$f":"'Step 2 NBIB Confidential'!K492","v":0},{"$f":"'Step 2 NBIB Confidential'!L492","v":0},{"$f":"'Step 2 NBIB Confidential'!M492","v":0},{"$f":"'Step 2 NBIB Confidential'!N492","v":0},{"$f":"'Step 2 NBIB Confidential'!O492","v":0}]
[]
["Territory Distribution"]
[null,"Data Sources:",null," Confidential Summary Sheet",null,null,"Table 1 Current Written Exposures"]
["fill in all blue shaded areas"]
["Standard Market",null,null,null,null,null,null,null,null,null,null,"NA",null,"NA",null,"NA"]
["Territory Distribution:",null,"GISA Auto 3003 2013 Data",null,null,null,null,null,null,"Comm",null,"ATV",null,"SV",null,"MC"]
["Territory","Company Exposures (Column O)","Company Dist'n","COMM Industry Exposure","COMM Industry Dist'n",null,null,null,null,"Industry Exposure","Industry Dist'n","Industry Exposure","Industry Dist'n","Industry Exposure","Industry Dist'n","Industry Exposure","Industry Dist'n"]
[1,{"$f":"'Step 2 NBIB Confidential'!O98","v":0},{"$f":"B137/$B$148","v":{"$error":"#DIV/0!"}},{"$f":"J137","v":2651},{"$f":"D137/$D$148","v":6.4126753749395263E-2}," ",null,null,null,2651,{"$f":"J137/$J$148","v":6.4126753749395263E-2}]
[2,{"$f":"'Step 2 NBIB Confidential'!O99","v":0},{"$f":"B138/$B$148","v":{"$error":"#DIV/0!"}},{"$f":"J138","v":4671},{"$f":"D138/$D$148","v":0.11298984034833091},null,null,null,null,4671,0.11298984034833091]
[3,{"$f":"'Step 2 NBIB Confidential'!O100","v":0},{"$error":"#DIV/0!"},3592,8.688921141751331E-2,null,null,null,null,3592,8.688921141751331E-2]
[4,{"$f":"'Step 2 NBIB Confidential'!O101","v":0},{"$error":"#DIV/0!"},2809,6.7948717948717943E-2,null,null,null,null,2809,6.7948717948717943E-2]
[5,{"$f":"'Step 2 NBIB Confidential'!O102","v":0},{"$error":"#DIV/0!"},3720,8.9985486211901305E-2,null,null,null,null,3720,8.9985486211901305E-2]
[6,{"$f":"'Step 2 NBIB Confidential'!O103","v":0},{"$error":"#DIV/0!"},4029,9.7460087082728589E-2,null,null,null,null,4029,9.7460087082728589E-2]
[7,{"$f":"'Step 2 NBIB Confidential'!O104","v":0},{"$error":"#DIV/0!"},2381,5.7595549104983067E-2,null,null,null,null,2381,5.7595549104983067E-2]
[8,{"$f":"'Step 2 NBIB Confidential'!O105","v":0},{"$error":"#DIV/0!"},2659,6.4320270924044506E-2,null,null,null,null,2659,6.4320270924044506E-2]
[9,{"$f":"'Step 2 NBIB Confidential'!O106","v":0},{"$error":"#DIV/0!"},2776,6.7150459603289789E-2,null,null,null,null,2776,6.7150459603289789E-2]
[10,{"$f":"'Step 2 NBIB Confidential'!O107","v":0},{"$error":"#DIV/0!"},4737,0.11458635703918722,null,null,null,null,4737,0.11458635703918722]
[11,{"$f":"'Step 2 NBIB Confidential'!O108","v":0},{"$error":"#DIV/0!"},7315,0.17694726656990808,null,null,null,null,7315,0.17694726656990808]
["Prov",{"$f":"SUM(B137:B147)","v":0},null,{"$f":"SUM(D137:D147)","v":41340},null,null,null,null,null,{"$f":"SUM(J137:J147)","v":41340},null,{"$f":"SUM(L137:L147)","v":0},null,{"$f":"SUM(N137:N147)","v":0},null,{"$f":"SUM(P137:P147)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,"# of written veicles"]
[]
["ROE - ROE Implied"]
["Return on Equity (After Tax)"]
[" "," "," "]
[null,null,"Prior Filing"," 2nd Prior","\n3rd Prior"," 4th Prior","5th Prior \n"]
["Target ROE Underlying Indications",null,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}}]
["ROE Implied by Selected Rate Change",null,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}}]
[]
["Average Premium and Expenses"]
[null,"Data Source:","Actuarial Summary Sheet and Assumption Chart History"]
["Average Premium",null,"Cell H45",null,"Assumption Chart History",null,null,"Expenses","Cell G524",null,"Assumption Chart History"]
[null,null,"Average Proposed Premium After Capping",null,"Year","Average Proposed Premium After Capping\n",null,null,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,"Year","Total Expenses (Excluding Health Levy) as % of Premium"]
[null,2014,{"$f":"'Step 2 NBIB Confidential'!O155","v":0},null,2010,null,null,2014,{"$f":"'Step 2 NBIB Confidential'!G558","v":0},null,2010]
[null,null,null,null,2011,null,null,null,null,null,2011]
[null,null,null,null,2012,null,null,null,null,null,2012]
[null,null,null,null,2013,null,null,null,null,null,2013]
[null,null,null,null,2014,{"$f":"C163","v":0},null,null,null,null,2014,{"$f":"I163","v":0}]

{"sheet":"Graphs_ATV SV MC","index":20,"n_rows":151,"n_cols":18,"rows_kept":151,"cut":false,"hidden":true,"merged":[[142,0,142,14],[143,2,143,13],[144,0,144,1],[117,0,117,4],[118,2,118,4],[136,0,136,14],[137,2,137,13],[139,0,139,1],[140,0,140,1],[115,1,115,2],[115,3,115,5],[115,6,115,12],[102,0,102,2],[103,0,103,2],[104,0,104,2],[105,0,105,2],[106,0,106,2],[107,0,107,2],[108,0,108,2],[109,0,109,2],[110,0,110,2],[112,0,112,2],[114,0,114,17],[101,0,101,2],[93,1,93,2],[93,3,93,5],[93,6,93,17],[95,3,95,5],[95,6,95,8],[95,9,95,11],[95,12,95,14],[95,15,95,17],[96,0,96,2],[97,0,97,2],[98,0,98,2],[99,0,99,2],[100,0,100,2],[92,0,92,17],[77,0,77,1],[77,2,77,3],[81,0,81,10],[83,3,83,5],[83,6,83,8],[83,9,83,11],[85,0,85,1],[86,0,86,1],[87,0,87,1],[88,0,88,1],[89,0,89,1],[76,0,76,1],[76,2,76,3],[0,0,0,16],[1,0,1,21],[3,17,3,21],[20,0,20,21],[40,0,40,21],[57,0,57,21],[58,0,58,21],[71,0,71,7],[73,0,73,5],[75,2,75,3],[75,4,75,5]]}
["Graphs"]
["Market Share - Approved Rate Changes - Exposures and Premiums-Average Premium-Expenses-ROE"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company",null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vehicle Class",null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Indicated-Selected-Approved 4 Year Trend"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["RFG-1 Graphs"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["IAO Market"]
["See Corresponding Assumption Chart with Market Share Data"]
[null,null,2014," "]
[null,null,"Earned Prem","% of Total Market"]
[null,"IAO COMM",18784474,5.0999999999999997E-2]
[null,"IAO ATV",3000,2.9999999999999997E-4]
[null,"IAO MC",143,0]
[null,"IAO SV",2603.89,8.0000000000000004E-4]
[]
[]
[]
[]
[]
[]
["Data for Graphs"]
[]
["Market Share"]
[" "]
[null,null,"Earned Premium",null,"% Market Share"]
["Company",null,{"$f":"'Step 2 NBIB Confidential'!I209","v":0},null,null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
["All Others",null,null,null,null,{"$f":"1-F77","v":{"$error":"#REF!"}}]
[]
[]
[]
["Change in Exposures and Premiums - Average Premiums"]
[]
[null,null,null,"Exposures",null,null,"Premiums ",null,null,"Average Premium"]
[null,null,"Renewal Year","In-force ","Written","Earned ","In-force ","Written","Earned ","In-force ","Written","Earned "]
["4th Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C205","v":"2017"},{"$f":"'Step 2 NBIB Confidential'!D205","v":123},{"$f":"'Step 2 NBIB Confidential'!E205","v":456},{"$f":"'Step 2 NBIB Confidential'!F205","v":789},{"$f":"'Step 2 NBIB Confidential'!G205","v":1234},{"$f":"'Step 2 NBIB Confidential'!H205","v":2345},{"$f":"'Step 2 NBIB Confidential'!I205","v":5678},{"$f":"'Step 2 NBIB Confidential'!J205","v":987},{"$f":"'Step 2 NBIB Confidential'!K205","v":876},{"$f":"'Step 2 NBIB Confidential'!L205","v":986}]
["3rd Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C206","v":"2018"},{"$f":"'Step 2 NBIB Confidential'!D206","v":789},{"$f":"'Step 2 NBIB Confidential'!E206","v":0},{"$f":"'Step 2 NBIB Confidential'!F206","v":0},{"$f":"'Step 2 NBIB Confidential'!G206","v":0},{"$f":"'Step 2 NBIB Confidential'!H206","v":0},{"$f":"'Step 2 NBIB Confidential'!I206","v":0},{"$f":"'Step 2 NBIB Confidential'!J206","v":0},{"$f":"'Step 2 NBIB Confidential'!K206","v":0},{"$f":"'Step 2 NBIB Confidential'!L206","v":0}]
["2nd Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C207","v":"2019"},{"$f":"'Step 2 NBIB Confidential'!D207","v":456},{"$f":"'Step 2 NBIB Confidential'!E207","v":0},{"$f":"'Step 2 NBIB Confidential'!F207","v":0},{"$f":"'Step 2 NBIB Confidential'!G207","v":0},{"$f":"'Step 2 NBIB Confidential'!H207","v":0},{"$f":"'Step 2 NBIB Confidential'!I207","v":0},{"$f":"'Step 2 NBIB Confidential'!J207","v":0},{"$f":"'Step 2 NBIB Confidential'!K207","v":0},{"$f":"'Step 2 NBIB Confidential'!L207","v":0}]
["1st Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C208","v":"2020"},{"$f":"'Step 2 NBIB Confidential'!D208","v":234},{"$f":"'Step 2 NBIB Confidential'!E208","v":0},{"$f":"'Step 2 NBIB Confidential'!F208","v":0},{"$f":"'Step 2 NBIB Confidential'!G208","v":0},{"$f":"'Step 2 NBIB Confidential'!H208","v":0},{"$f":"'Step 2 NBIB Confidential'!I208","v":0},{"$f":"'Step 2 NBIB Confidential'!J208","v":0},{"$f":"'Step 2 NBIB Confidential'!K208","v":0},{"$f":"'Step 2 NBIB Confidential'!L208","v":0}]
["Current Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C209","v":"2021"},{"$f":"'Step 2 NBIB Confidential'!D209","v":123},{"$f":"'Step 2 NBIB Confidential'!E209","v":0},{"$f":"'Step 2 NBIB Confidential'!F209","v":0},{"$f":"'Step 2 NBIB Confidential'!G209","v":0},{"$f":"'Step 2 NBIB Confidential'!H209","v":0},{"$f":"'Step 2 NBIB Confidential'!I209","v":0},{"$f":"'Step 2 NBIB Confidential'!J209","v":0},{"$f":"'Step 2 NBIB Confidential'!K209","v":0},{"$f":"'Step 2 NBIB Confidential'!L209","v":0}]
[]
[" "]
["Indicated-Selected-Approved 4 Year Trend"]
[null,"Data Sources:",null,"Confidential Summary Sheet",null,null,"Data Source - Confidential Summary Sheet Last 4 Approved Rate Level Change Table"]
[" "]
[null,null,null,"Current Filing",null,null,"Prior Filing",null,null,"2nd Prior Filing",null,null,"3rd Prior Filing",null,null,"4th Prior Filing"]
[" "]
[" ",null,null,"Indicated","Selected after capping"," ","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved","Indicated","Selected","Board Approved"]
["BI",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!E478","v":0.09},{"$f":"'Step 2 NBIB Confidential'!F478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!G478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!H478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!I478","v":0.03},{"$f":"'Step 2 NBIB Confidential'!J478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!K478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!L478","v":0.03},{"$f":"'Step 2 NBIB Confidential'!M478","v":0.01},{"$f":"'Step 2 NBIB Confidential'!N478","v":0.02},{"$f":"'Step 2 NBIB Confidential'!O478","v":0.03}]
["PD",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D479","v":0},{"$f":"'Step 2 NBIB Confidential'!E479","v":0},{"$f":"'Step 2 NBIB Confidential'!F479","v":0},{"$f":"'Step 2 NBIB Confidential'!G479","v":0},{"$f":"'Step 2 NBIB Confidential'!H479","v":0},{"$f":"'Step 2 NBIB Confidential'!I479","v":0},{"$f":"'Step 2 NBIB Confidential'!J479","v":0},{"$f":"'Step 2 NBIB Confidential'!K479","v":0},{"$f":"'Step 2 NBIB Confidential'!L479","v":0},{"$f":"'Step 2 NBIB Confidential'!M479","v":0},{"$f":"'Step 2 NBIB Confidential'!N479","v":0},{"$f":"'Step 2 NBIB Confidential'!O479","v":0}]
["DCPD",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D480","v":0},{"$f":"'Step 2 NBIB Confidential'!E480","v":0},{"$f":"'Step 2 NBIB Confidential'!F480","v":0},{"$f":"'Step 2 NBIB Confidential'!G480","v":0},{"$f":"'Step 2 NBIB Confidential'!H480","v":0},{"$f":"'Step 2 NBIB Confidential'!I480","v":0},{"$f":"'Step 2 NBIB Confidential'!J480","v":0},{"$f":"'Step 2 NBIB Confidential'!K480","v":0},{"$f":"'Step 2 NBIB Confidential'!L480","v":0},{"$f":"'Step 2 NBIB Confidential'!M480","v":0},{"$f":"'Step 2 NBIB Confidential'!N480","v":0},{"$f":"'Step 2 NBIB Confidential'!O480","v":0}]
["AB",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D481","v":0},{"$f":"'Step 2 NBIB Confidential'!E481","v":0},{"$f":"'Step 2 NBIB Confidential'!F481","v":0},{"$f":"'Step 2 NBIB Confidential'!G481","v":0},{"$f":"'Step 2 NBIB Confidential'!H481","v":0},{"$f":"'Step 2 NBIB Confidential'!I481","v":0},{"$f":"'Step 2 NBIB Confidential'!J481","v":0},{"$f":"'Step 2 NBIB Confidential'!K481","v":0},{"$f":"'Step 2 NBIB Confidential'!L481","v":0},{"$f":"'Step 2 NBIB Confidential'!M481","v":0},{"$f":"'Step 2 NBIB Confidential'!N481","v":0},{"$f":"'Step 2 NBIB Confidential'!O481","v":0}]
["UA",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D482","v":0},{"$f":"'Step 2 NBIB Confidential'!E482","v":0},{"$f":"'Step 2 NBIB Confidential'!F482","v":0},{"$f":"'Step 2 NBIB Confidential'!G482","v":0},{"$f":"'Step 2 NBIB Confidential'!H482","v":0},{"$f":"'Step 2 NBIB Confidential'!I482","v":0},{"$f":"'Step 2 NBIB Confidential'!J482","v":0},{"$f":"'Step 2 NBIB Confidential'!K482","v":0},{"$f":"'Step 2 NBIB Confidential'!L482","v":0},{"$f":"'Step 2 NBIB Confidential'!M482","v":0},{"$f":"'Step 2 NBIB Confidential'!N482","v":0},{"$f":"'Step 2 NBIB Confidential'!O482","v":0}]
["HSL",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D483","v":0},{"$f":"'Step 2 NBIB Confidential'!E483","v":0},{"$f":"'Step 2 NBIB Confidential'!F483","v":0},{"$f":"'Step 2 NBIB Confidential'!G483","v":0},{"$f":"'Step 2 NBIB Confidential'!H483","v":0},{"$f":"'Step 2 NBIB Confidential'!I483","v":0},{"$f":"'Step 2 NBIB Confidential'!J483","v":0},{"$f":"'Step 2 NBIB Confidential'!K483","v":0},{"$f":"'Step 2 NBIB Confidential'!L483","v":0},{"$f":"'Step 2 NBIB Confidential'!M483","v":0},{"$f":"'Step 2 NBIB Confidential'!N483","v":0},{"$f":"'Step 2 NBIB Confidential'!O483","v":0}]
["TMC",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D484","v":0},{"$f":"'Step 2 NBIB Confidential'!E484","v":0},{"$f":"'Step 2 NBIB Confidential'!F484","v":0},{"$f":"'Step 2 NBIB Confidential'!G484","v":0},{"$f":"'Step 2 NBIB Confidential'!H484","v":0},{"$f":"'Step 2 NBIB Confidential'!I484","v":0},{"$f":"'Step 2 NBIB Confidential'!J484","v":0},{"$f":"'Step 2 NBIB Confidential'!K484","v":0},{"$f":"'Step 2 NBIB Confidential'!L484","v":0},{"$f":"'Step 2 NBIB Confidential'!M484","v":0},{"$f":"'Step 2 NBIB Confidential'!N484","v":0},{"$f":"'Step 2 NBIB Confidential'!O484","v":0}]
["Coll",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D485","v":0},{"$f":"'Step 2 NBIB Confidential'!E485","v":0},{"$f":"'Step 2 NBIB Confidential'!F485","v":0},{"$f":"'Step 2 NBIB Confidential'!G485","v":0},{"$f":"'Step 2 NBIB Confidential'!H485","v":0},{"$f":"'Step 2 NBIB Confidential'!I485","v":0},{"$f":"'Step 2 NBIB Confidential'!J485","v":0},{"$f":"'Step 2 NBIB Confidential'!K485","v":0},{"$f":"'Step 2 NBIB Confidential'!L485","v":0},{"$f":"'Step 2 NBIB Confidential'!M485","v":0},{"$f":"'Step 2 NBIB Confidential'!N485","v":0},{"$f":"'Step 2 NBIB Confidential'!O485","v":0}]
["Comp",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D486","v":0},{"$f":"'Step 2 NBIB Confidential'!E486","v":0},{"$f":"'Step 2 NBIB Confidential'!F486","v":0},{"$f":"'Step 2 NBIB Confidential'!G486","v":0},{"$f":"'Step 2 NBIB Confidential'!H486","v":0},{"$f":"'Step 2 NBIB Confidential'!I486","v":0},{"$f":"'Step 2 NBIB Confidential'!J486","v":0},{"$f":"'Step 2 NBIB Confidential'!K486","v":0},{"$f":"'Step 2 NBIB Confidential'!L486","v":0},{"$f":"'Step 2 NBIB Confidential'!M486","v":0},{"$f":"'Step 2 NBIB Confidential'!N486","v":0},{"$f":"'Step 2 NBIB Confidential'!O486","v":0}]
["SP",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D487","v":0},{"$f":"'Step 2 NBIB Confidential'!E487","v":0},{"$f":"'Step 2 NBIB Confidential'!F487","v":0},{"$f":"'Step 2 NBIB Confidential'!G487","v":0},{"$f":"'Step 2 NBIB Confidential'!H487","v":0},{"$f":"'Step 2 NBIB Confidential'!I487","v":0},{"$f":"'Step 2 NBIB Confidential'!J487","v":0},{"$f":"'Step 2 NBIB Confidential'!K487","v":0},{"$f":"'Step 2 NBIB Confidential'!L487","v":0},{"$f":"'Step 2 NBIB Confidential'!M487","v":0},{"$f":"'Step 2 NBIB Confidential'!N487","v":0},{"$f":"'Step 2 NBIB Confidential'!O487","v":0}]
["AP",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D488","v":0},{"$f":"'Step 2 NBIB Confidential'!E488","v":0},{"$f":"'Step 2 NBIB Confidential'!F488","v":0},{"$f":"'Step 2 NBIB Confidential'!G488","v":0},{"$f":"'Step 2 NBIB Confidential'!H488","v":0},{"$f":"'Step 2 NBIB Confidential'!I488","v":0},{"$f":"'Step 2 NBIB Confidential'!J488","v":0},{"$f":"'Step 2 NBIB Confidential'!K488","v":0},{"$f":"'Step 2 NBIB Confidential'!L488","v":0},{"$f":"'Step 2 NBIB Confidential'!M488","v":0},{"$f":"'Step 2 NBIB Confidential'!N488","v":0},{"$f":"'Step 2 NBIB Confidential'!O488","v":0}]
["SEF 44",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D489","v":0},{"$f":"'Step 2 NBIB Confidential'!E489","v":0},{"$f":"'Step 2 NBIB Confidential'!F489","v":0},{"$f":"'Step 2 NBIB Confidential'!G489","v":0},{"$f":"'Step 2 NBIB Confidential'!H489","v":0},{"$f":"'Step 2 NBIB Confidential'!I489","v":0},{"$f":"'Step 2 NBIB Confidential'!J489","v":0},{"$f":"'Step 2 NBIB Confidential'!K489","v":0},{"$f":"'Step 2 NBIB Confidential'!L489","v":0},{"$f":"'Step 2 NBIB Confidential'!M489","v":0},{"$f":"'Step 2 NBIB Confidential'!N489","v":0},{"$f":"'Step 2 NBIB Confidential'!O489","v":0}]
["TOC",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D490","v":0},{"$f":"'Step 2 NBIB Confidential'!E490","v":0},{"$f":"'Step 2 NBIB Confidential'!F490","v":0},{"$f":"'Step 2 NBIB Confidential'!G490","v":0},{"$f":"'Step 2 NBIB Confidential'!H490","v":0},{"$f":"'Step 2 NBIB Confidential'!I490","v":0},{"$f":"'Step 2 NBIB Confidential'!J490","v":0},{"$f":"'Step 2 NBIB Confidential'!K490","v":0},{"$f":"'Step 2 NBIB Confidential'!L490","v":0},{"$f":"'Step 2 NBIB Confidential'!M490","v":0},{"$f":"'Step 2 NBIB Confidential'!N490","v":0},{"$f":"'Step 2 NBIB Confidential'!O490","v":0}]
[]
["All Coverages Combined",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"'Step 2 NBIB Confidential'!D492","v":0},{"$f":"'Step 2 NBIB Confidential'!E492","v":0},{"$f":"'Step 2 NBIB Confidential'!F492","v":0},{"$f":"'Step 2 NBIB Confidential'!G492","v":0},{"$f":"'Step 2 NBIB Confidential'!H492","v":0},{"$f":"'Step 2 NBIB Confidential'!I492","v":0},{"$f":"'Step 2 NBIB Confidential'!J492","v":0},{"$f":"'Step 2 NBIB Confidential'!K492","v":0},{"$f":"'Step 2 NBIB Confidential'!L492","v":0},{"$f":"'Step 2 NBIB Confidential'!M492","v":0},{"$f":"'Step 2 NBIB Confidential'!N492","v":0},{"$f":"'Step 2 NBIB Confidential'!O492","v":0}]
[]
["Territory Distribution"]
[null,"Data Sources:",null," Confidential Summary Sheet",null,null,"Table 1 Current Written Exposures"]
["fill in all blue shaded areas"]
["Standard Market",null,null,null,null,null,null,null,null,null,null,"NA",null,"NA",null,"NA"]
["Territory Distribution:",null,"GISA Auto 3003 2013 Data",null,null,null,null,null,null,"Comm",null,"ATV",null,"SV",null,"MC"]
["Territory","Company Exposures (Column O)","Company Dist'n","COMM Industry Exposure","COMM Industry Dist'n",null,null,null,null,"Industry Exposure","Industry Dist'n","Industry Exposure","Industry Dist'n","Industry Exposure","Industry Dist'n","Industry Exposure","Industry Dist'n"]
[1,{"$f":"'Step 2 NBIB Confidential'!B192","v":0},{"$f":"B121/#REF!","v":{"$error":"#REF!"}},{"$f":"J121","v":2651},{"$f":"D121/$D$132","v":6.4126753749395263E-2}," ",null,null,null,2651,{"$f":"J121/$J$132","v":6.4126753749395263E-2}]
[2,{"$f":"'Step 2 NBIB Confidential'!B193","v":0},{"$f":"B122/#REF!","v":{"$error":"#REF!"}},{"$f":"J122","v":4671},{"$f":"D122/$D$132","v":0.11298984034833091},null,null,null,null,4671,0.11298984034833091]
[3,{"$f":"'Step 2 NBIB Confidential'!B194","v":0},{"$f":"B123/#REF!","v":{"$error":"#REF!"}},3592,8.688921141751331E-2,null,null,null,null,3592,8.688921141751331E-2]
[4,{"$f":"'Step 2 NBIB Confidential'!B195","v":0},{"$f":"B124/#REF!","v":{"$error":"#REF!"}},2809,6.7948717948717943E-2,null,null,null,null,2809,6.7948717948717943E-2]
[5,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"B125/#REF!","v":{"$error":"#REF!"}},3720,8.9985486211901305E-2,null,null,null,null,3720,8.9985486211901305E-2]
[6,{"$f":"'Step 2 NBIB Confidential'!B196","v":0},{"$f":"B126/#REF!","v":{"$error":"#REF!"}},4029,9.7460087082728589E-2,null,null,null,null,4029,9.7460087082728589E-2]
[7,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"B127/#REF!","v":{"$error":"#REF!"}},2381,5.7595549104983067E-2,null,null,null,null,2381,5.7595549104983067E-2]
[8,{"$f":"'Step 2 NBIB Confidential'!B197","v":0},{"$f":"B128/#REF!","v":{"$error":"#REF!"}},2659,6.4320270924044506E-2,null,null,null,null,2659,6.4320270924044506E-2]
[9,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"B129/#REF!","v":{"$error":"#REF!"}},2776,6.7150459603289789E-2,null,null,null,null,2776,6.7150459603289789E-2]
[10,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"B130/#REF!","v":{"$error":"#REF!"}},4737,0.11458635703918722,null,null,null,null,4737,0.11458635703918722]
[11,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"B131/#REF!","v":{"$error":"#REF!"}},7315,0.17694726656990808,null,null,null,null,7315,0.17694726656990808]
["Prov",{"$f":"SUM(B121:B131)","v":{"$error":"#REF!"}},null,{"$f":"SUM(D121:D131)","v":41340},null,null,null,null,null,{"$f":"SUM(J121:J131)","v":41340},null,{"$f":"SUM(L121:L131)","v":0},null,{"$f":"SUM(N121:N131)","v":0},null,{"$f":"SUM(P121:P131)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,"# of written veicles"]
[]
["RFG-1 Data"]
["Return on Equity (After Tax)"]
[" "," "," "]
[null,null,"Prior Filing"," 2nd Prior","\n3rd Prior"," 4th Prior","5th Prior \n"]
["Target ROE Underlying Indications",null,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}}]
["ROE Implied by Selected Rate Change",null,{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 2 NBIB Confidential'!#REF!","v":{"$error":"#REF!"}}]
[]
["Average Premium and Expenses"]
[null,"Data Source:","Actuarial Summary Sheet and Assumption Chart History"]
["Average Premium",null,"Cell H45",null,"Assumption Chart History",null,null,"Expenses","Cell G33",null,"Assumption Chart History"]
[null,null,"Average Proposed Premium After Capping",null,"Year","Average Proposed Premium After Capping\n",null,null,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,"Year","Total Expenses (Excluding Health Levy) as % of Premium"]
[null,2014,{"$f":"'Step 2 NBIB Confidential'!O155","v":0},null,2010,null,null,2014,{"$f":"'Step 2 NBIB Confidential'!G558","v":0},null,2010]
[null,null,null,null,2011,null,null,null,null,null,2011]
[null,null,null,null,2012,null,null,null,null,null,2012]
[null,null,null,null,2013,null,null,null,null,null,2013]
[null,null,null,null,2014,{"$f":"C147","v":0},null,null,null,null,2014,{"$f":"I147","v":0}]

{"sheet":"Merger-Portfolio Transfer","index":21,"n_rows":40,"n_cols":10,"rows_kept":40,"cut":false,"hidden":true,"merged":[[27,1,27,9],[28,1,29,1],[28,2,28,3],[28,4,28,6],[28,7,28,9],[21,2,21,11],[22,2,22,11],[24,0,24,10],[25,0,25,10],[26,1,26,9],[15,0,15,11],[17,1,17,11],[18,2,18,11],[19,2,19,11],[20,2,20,11],[0,0,0,11],[1,0,1,10],[3,1,3,11],[4,2,4,11],[5,2,5,11],[12,0,12,10],[13,0,13,10],[6,2,6,11],[7,2,7,11],[8,2,8,11],[9,2,9,11],[10,2,10,11]]}
["Merger Filing Guidelines "]
["Email filings@nbib-canb.org  prior to filing to discuss requirements."]
[]
[null,"Details to be reported must include, but are not limited to:"]
[null,null,"Date of acquisition/merger"]
[null,null,"Name of new company (if applicable)."]
[null,null,"Legal confirmation of name change  (if applicable)."]
[null,null,"The premium volume"]
[null,null,"Complete details of the transaction."]
[null,null,"Timeline as to how the transaction will take place."]
[null," ","Capping (if applicable)"]
[]
["Please submit the above information to the Board for review via email filings@nbib-canb.org.  This list does not preclude the Board from requesting further information."]
["Once received, the Board will open a file and proceed to review and will advise if further action is required."]
[]
["Portfolio Transfer - Filing Guidelines"]
[]
[null,"Details to be reported must include, but are not limited to:"]
[null,null,"What is the estimated premium volume/in force exposures of the book to be transferred?"]
[null,null,"Will capping be proposed?"]
[null,null,"A dislocation table should be provided, prior to any proposed capping."]
[null,null,"What class of vehicles will be affected by this transfer?"]
[null,null,"What are the details on this transaction - i.e. which broker and which insurer's are involved?"]
[]
["Please submit the above information to the Board for review via email filings@nbib-canb.org.  This list does not preclude the Board from requesting further information."]
["Once received, the Board will open a file and proceed to review and will advise if further action is required."]
[null," "]
[null,"Auto Roll Over"]
[null,"Company","Agency volume",null,"Dislocation",null,null,"Percentage of Policies with:"]
[null,null,"Premium Volume","Number of Policies","Average Agency Premium","Average Premium *The company making filing*","Average Change","Increase","Decrease","No Change"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"TOTAL"]

{"sheet":"File Close Checklist","index":22,"n_rows":47,"n_cols":15,"rows_kept":47,"cut":false,"hidden":true,"merged":[[0,0,0,14],[2,10,2,11],[3,0,3,2],[3,3,3,5],[4,0,4,2],[4,3,4,4],[1,0,1,1],[1,2,1,8],[1,9,1,10],[1,12,1,14],[2,0,2,9],[8,3,8,5],[8,6,8,9],[8,10,8,13],[9,0,9,1],[9,3,9,5],[9,6,9,9],[9,10,9,11],[9,12,9,14],[8,0,8,1],[5,0,5,2],[5,10,5,14],[6,0,6,2],[6,10,6,11],[6,12,6,13],[5,6,5,9],[7,10,7,14],[37,6,37,7],[31,0,31,3],[31,6,31,7],[34,0,34,1],[34,6,34,7],[35,0,35,1],[35,6,35,7],[25,0,25,2],[25,6,25,7],[26,0,26,4],[26,6,26,7],[27,6,27,7],[28,0,28,5],[28,6,28,7],[18,0,18,2],[18,6,18,7],[21,0,21,2],[22,0,22,2],[22,6,22,7],[12,0,12,3],[13,0,13,3],[13,6,13,7],[14,0,14,3],[14,6,14,7],[17,0,17,2],[17,6,17,7],[12,6,12,7],[21,6,21,7]]}
["Filing Close File Check List"]
[{"$f":"'Step 1 Non-Confidential'!A5:B5","v":"Company Name"},null,{"$f":"'Step 1 Non-Confidential'!C5","v":0},null,null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!J5","v":"Date of Filing:"},null,{"$f":"'Step 1 Non-Confidential'!L5","v":0},{"$f":"_xlfn.SINGLE('Step 1 Non-Confidential'!#REF!)","v":{"$error":"#REF!"}}]
[" ",null,null,null,null,null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!J6","v":"Amendment Date(s):"},null,{"$f":"'Step 1 Non-Confidential'!M6","v":0},{"$f":"'Step 1 Non-Confidential'!N6","v":0},{"$f":"'Step 1 Non-Confidential'!O6","v":0}]
[{"$f":"'Step 1 Non-Confidential'!A7:C7","v":"Filing Type:"},null,null,{"$f":"'Step 1 Non-Confidential'!C7","v":"RFG - 3 Rate Group Update Filing"},null,null,null,null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!M7","v":0},{"$f":"'Step 1 Non-Confidential'!N7","v":0},{"$f":"'Step 1 Non-Confidential'!O7","v":0}]
[{"$f":"_xlfn.SINGLE('Step 1 Non-Confidential'!#REF!)","v":{"$error":"#REF!"}},null,null,{"$f":"_xlfn.SINGLE('Step 1 Non-Confidential'!#REF!)","v":{"$error":"#REF!"}},null,null,null,null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 1 Non-Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Step 1 Non-Confidential'!#REF!","v":{"$error":"#REF!"}}]
[{"$f":"'Step 1 Non-Confidential'!A9:C9","v":"Overall Selected Rate Change \nBefore Capping"},null,null,{"$f":"'Step 1 Non-Confidential'!D9","v":0},null,null,{"$f":"D6","v":0},null,null,null,{"$f":"'Step 1 Non-Confidential'!C2","v":0}]
[{"$f":"'Step 1 Non-Confidential'!A12:C12","v":"Proposed Effective Dates:"},null,null,{"$f":"'Step 1 Non-Confidential'!L9","v":0},null,null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!I2","v":"Billing Number"},null,{"$f":"'Step 1 Non-Confidential'!K2","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"'Step 1 Non-Confidential'!#REF!","v":{"$error":"#REF!"}}]
[{"$f":"_xlfn.SINGLE('Step 1 Non-Confidential'!#REF!)","v":{"$error":"#REF!"}},null,{"$f":"'Step 1 Non-Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"_xlfn.SINGLE('Step 1 Non-Confidential'!#REF!)","v":{"$error":"#REF!"}},null,null,"New Business",null,null,null,{"$f":"'Step 1 Non-Confidential'!#REF!","v":{"$error":"#REF!"}},null,null,null,{"$f":"'Step 1 Non-Confidential'!#REF!","v":{"$error":"#REF!"}}]
[null,null,{"$f":"'Step 1 Non-Confidential'!#REF!","v":{"$error":"#REF!"}},{"$f":"_xlfn.SINGLE('Step 1 Non-Confidential'!#REF!)","v":{"$error":"#REF!"}},null,null,"Renewal Business",null,null,null,{"$f":"'Step 1 Non-Confidential'!#REF!","v":{"$error":"#REF!"}},null,{"$f":"_xlfn.SINGLE('Step 1 Non-Confidential'!#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,{"$f":"D6","v":0}]
[]
["Was Filing opened in error"]
["Form - Details - Filing opened in error completed?"]
["Refer to Workflow - Filing Opened in Error"]
[]
["Website"]
["Decision/Approval on Website"]
["Approval /Decision signed"]
[]
["Assumption Chart"]
["Assumption Chart Approval amount"]
["Assumption Chart updated"]
[]
["DMS"]
["Approval /Decision emailed"]
["Summary sheets up to date check effective dates "]
["Final Filing"]
["Billing info screen updated - Decision date, Approved rate change"]
[]
["Record of Filing"]
["Record of Filing updated with Decision date"]
[]
["Hard Copy"]
["Files intersorted"]
["Final Filing recieved"]
[]
["Complete form and give to Manager Insurance to close file"]
[]
[]
[]
[]
[]
[]
["See also: "]
["Policies and Processes Workflow/Filing opened in Error/Closing File"]
["Filing Summary/Close File Checklist"]