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["Market Share"]
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["Purpose and Scope"]
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["Rate Filing Data"]
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["Proposed Rate Change: BEFORE capping",{"$f":"'Step 2 NBIB Confidential'!O185","v":0},"*based on table 7",null,null,null,null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!L106<>\"Yes\",\"\",\"\")","v":""}]
["AFTER capping",{"$f":"'Step 2 NBIB Confidential'!O200","v":0},"* verify amount to Approval Letter, may have to be manualy input"]
["Indicated Rate Change:",{"$f":"'Step 2 NBIB Confidential'!O170","v":0}]
["Current Average Premium:",{"$f":"'Step 2 NBIB Confidential'!O132","v":0},null,{"$f":"'Start Here NBIB Cover Sheet'!B106","v":"Current Capping"},null,{"$f":"'Start Here NBIB Cover Sheet'!H106","v":"Proposed capping in this filing"}]
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["AFTER capping",{"$f":"'Step 2 NBIB Confidential'!O162","v":0},null,{"$f":"'Start Here NBIB Cover Sheet'!B109","v":"On what basis"},{"$f":"'Start Here NBIB Cover Sheet'!F109","v":0},{"$f":"'Start Here NBIB Cover Sheet'!H109","v":"On what basis"},null,{"$f":"'Start Here NBIB Cover Sheet'!L109","v":0}]
["Exposures",{"$f":"'Step 2 NBIB Confidential'!O116","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!M108","v":"Other:"},{"$f":"'Start Here NBIB Cover Sheet'!M109","v":0}]
["Written Premium:",{"$f":"'Step 2 NBIB Confidential'!H243","v":0}]
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["Target ROE",{"$f":"B482","v":0}]
["Implied ROE",{"$f":"B483","v":0}]
["P/S Ratio",{"$f":"'Step 2 NBIB Confidential'!E557","v":0},":1"]
["Return on Premium",{"$f":"B485","v":0}]
["Implied ROP",{"$f":"B486","v":0}]
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["Rationale for Selection"]
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["Proposed Changes"]
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[{"$f":"'Step 2 NBIB Confidential'!C53","v":0},"Limits of liability",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L53","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C54","v":0},"Driving Record/Years Licensed differentials",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L54","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C55","v":0},"Limit differentials",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L55","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C56","v":0},"Deductible differentials",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L56","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C57","v":0},"Territorial Differentials",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L57","v":0}]
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[{"$f":"'Step 2 NBIB Confidential'!C59","v":"Algorithm Changes"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L59","v":0}]
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["Rating and Underwriting Rule Changes",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L60","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C61","v":0},"Amending rules",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L61","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C62","v":0},"Adding Rules",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L62","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C63","v":0},"Deleting Rules",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L63","v":0}]
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["Discount/Surcharge Changes",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L64","v":0}]
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[{"$f":"'Step 2 NBIB Confidential'!C67","v":0},"Deleting Rules",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L67","v":0}]
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[{"$f":"'Step 2 NBIB Confidential'!C71","v":"Endorsment Changes"}]
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["Definition Changes"]
[{"$f":"'Step 2 NBIB Confidential'!C69","v":0},"Territorial Definitions",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L69","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C70","v":0},"Years licensed Definitions",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L70","v":0}]
[]
[]
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[]
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["IAO - Adopt Most recent Approved IAO Base Rates and Differentials"]
[{"$f":"'Step 2 NBIB Confidential'!C76","v":0},"IAO Rates currently being used (YEAR)",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L76","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C77","v":0},"IAO Rates proposed (YEAR)",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L77","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C78","v":0},"No deviation from IAO rates",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L78","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C79","v":0},"Rationale for adopting IAO rates:",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L79","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C80","v":0},"Deviation to IAO base rates only",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L80","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!C81","v":0},"Rationale for deviation:",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L81","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Updating Rate Goup tables",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L85","v":0}]
[" ","Year of Table",null,"Table being used"]
["Current ",{"$f":"'Step 2 NBIB Confidential'!D84","v":0},{"$f":"'Step 2 NBIB Confidential'!E84","v":0}]
["Proposed",{"$f":"'Step 2 NBIB Confidential'!D87","v":0},{"$f":"'Step 2 NBIB Confidential'!E87","v":0}]
["*Other (please specify)",null,{"$f":"'Step 2 NBIB Confidential'!E92","v":0}]
[]
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[]
["Coverages","Indicated","Selected before capping","Selected after capping","Current Avr Prem","Proposed before capping",null,"Proposed After Capping","Difference"]
[]
["Bodily Injury",{"$f":"'Step 2 NBIB Confidential'!B170","v":0},{"$f":"'Step 2 NBIB Confidential'!B185","v":0},{"$f":"'Step 2 NBIB Confidential'!B200","v":0},{"$f":"'Step 2 NBIB Confidential'!B132","v":0},{"$f":"'Step 2 NBIB Confidential'!B147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!B162","v":0},{"$f":"F308-H308","v":0}]
["Property Damage",{"$f":"'Step 2 NBIB Confidential'!C170","v":0},{"$f":"'Step 2 NBIB Confidential'!B186","v":0},{"$f":"'Step 2 NBIB Confidential'!C200","v":0},{"$f":"'Step 2 NBIB Confidential'!C132","v":0},{"$f":"'Step 2 NBIB Confidential'!C147","v":0},null,null,0]
["DCPC",{"$f":"'Step 2 NBIB Confidential'!D170","v":0},{"$f":"'Step 2 NBIB Confidential'!B187","v":0},{"$f":"'Step 2 NBIB Confidential'!D200","v":0},{"$f":"'Step 2 NBIB Confidential'!D132","v":0},{"$f":"'Step 2 NBIB Confidential'!D147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D162","v":0},0]
["Accident Benefits",{"$f":"'Step 2 NBIB Confidential'!E170","v":0},{"$f":"'Step 2 NBIB Confidential'!E185","v":0},{"$f":"'Step 2 NBIB Confidential'!E200","v":0},{"$f":"'Step 2 NBIB Confidential'!E132","v":0},{"$f":"'Step 2 NBIB Confidential'!E147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!E162","v":0},0]
["Uninsured Auto",{"$f":"'Step 2 NBIB Confidential'!F170","v":0},{"$f":"'Step 2 NBIB Confidential'!F185","v":0},{"$f":"'Step 2 NBIB Confidential'!F200","v":0},{"$f":"'Step 2 NBIB Confidential'!F132","v":0},{"$f":"'Step 2 NBIB Confidential'!F147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!F162","v":0},0]
["Health Services Levy",{"$f":"'Step 2 NBIB Confidential'!G170","v":0},{"$f":"'Step 2 NBIB Confidential'!G185","v":0},{"$f":"'Step 2 NBIB Confidential'!G200","v":0},{"$f":"'Step 2 NBIB Confidential'!G132","v":0},{"$f":"'Step 2 NBIB Confidential'!G147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!G162","v":0},0]
["Total Mandatory Coverage",{"$f":"'Step 2 NBIB Confidential'!H170","v":0},{"$f":"'Step 2 NBIB Confidential'!H185","v":0},{"$f":"'Step 2 NBIB Confidential'!H200","v":0},{"$f":"'Step 2 NBIB Confidential'!H132","v":0},{"$f":"'Step 2 NBIB Confidential'!H147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!H162","v":0},0]
["Collision",{"$f":"'Step 2 NBIB Confidential'!I170","v":0},{"$f":"'Step 2 NBIB Confidential'!I185","v":0},{"$f":"'Step 2 NBIB Confidential'!I200","v":0},{"$f":"'Step 2 NBIB Confidential'!I132","v":0},{"$f":"'Step 2 NBIB Confidential'!I147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I162","v":0},0]
["Comprehensive",{"$f":"'Step 2 NBIB Confidential'!J170","v":0},{"$f":"'Step 2 NBIB Confidential'!J185","v":0},{"$f":"'Step 2 NBIB Confidential'!J200","v":0},{"$f":"'Step 2 NBIB Confidential'!J132","v":0},{"$f":"'Step 2 NBIB Confidential'!J147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!J162","v":0},0]
["Specified Perils",{"$f":"'Step 2 NBIB Confidential'!K170","v":0},{"$f":"'Step 2 NBIB Confidential'!K185","v":0},{"$f":"'Step 2 NBIB Confidential'!K200","v":0},{"$f":"'Step 2 NBIB Confidential'!K132","v":0},{"$f":"'Step 2 NBIB Confidential'!K147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K162","v":0},0]
["All Perils",{"$f":"'Step 2 NBIB Confidential'!L170","v":0},{"$f":"'Step 2 NBIB Confidential'!L185","v":0},{"$f":"'Step 2 NBIB Confidential'!L200","v":0},{"$f":"'Step 2 NBIB Confidential'!L132","v":0},{"$f":"'Step 2 NBIB Confidential'!L147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!L162","v":0},0]
["SEF 44",{"$f":"'Step 2 NBIB Confidential'!M170","v":0},{"$f":"'Step 2 NBIB Confidential'!M185","v":0},{"$f":"'Step 2 NBIB Confidential'!M200","v":0},{"$f":"'Step 2 NBIB Confidential'!M132","v":0},{"$f":"'Step 2 NBIB Confidential'!M147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!M162","v":0},0]
["Total Optional Coverage",{"$f":"'Step 2 NBIB Confidential'!N170","v":0},{"$f":"'Step 2 NBIB Confidential'!N185","v":0},{"$f":"'Step 2 NBIB Confidential'!N200","v":0},{"$f":"'Step 2 NBIB Confidential'!N132","v":0},{"$f":"'Step 2 NBIB Confidential'!N147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!N162","v":0},0]
[]
["All Coverages Combined",{"$f":"'Step 2 NBIB Confidential'!O170","v":0},{"$f":"'Step 2 NBIB Confidential'!O185","v":0},{"$f":"'Step 2 NBIB Confidential'!O200","v":0},{"$f":"'Step 2 NBIB Confidential'!O132","v":0},{"$f":"'Step 2 NBIB Confidential'!O147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O162","v":0},{"$f":"F322-H322","v":0}]
[]
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[]
[]
["Dislocation"]
[{"$f":"Language!$A$92","v":"Table 1 Impact on Mandatory + Optional Coverages Combined"}]
[null,null,null,{"$f":"Language!$A$89","v":"Dislocation Before Capping"}]
[{"$f":"Language!$A$93","v":"Range of Rate Change"},null,null,{"$f":"Language!$A$94","v":"Exposures"},{"$f":"Language!$A$95","v":"% Affected"}]
[{"$f":"Language!$A$96","v":"Increase of more than 20.1%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E123","v":0},{"$f":"D359/D370","v":{"$error":"#DIV/0!"}},{"$f":"SUM(D359:D361)","v":0},{"$f":"SUM(D359:D363)","v":0},"exposures"]
[{"$f":"Language!$A$97","v":"Increase of 15.1% to 20%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E124","v":0},{"$f":"D360/D370","v":{"$error":"#DIV/0!"}},{"$f":"SUM(E359:E361)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(E359:E363)","v":{"$error":"#DIV/0!"}},"of total book"]
[{"$f":"Language!$A$98","v":"Increase of 10.1% to 15%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E125","v":0},{"$f":"D361/D370","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!$A$99","v":"Increase of 5.1% to 10%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E126","v":0},{"$f":"D362/D370","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!$A$100","v":"Increase of 0.1% to 5%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E127","v":0},{"$f":"D363/D370","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!$A$101","v":"NO CHANGE"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E128","v":0},{"$f":"D364/D370","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!$A$102","v":"Decrease of 0.1% to 5%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E129","v":0},{"$f":"D365/D370","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!$A$103","v":"Decrease of 5.1% to 10%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E130","v":0},{"$f":"D366/D370","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!$A$104","v":"Decrease of 10.1% to 15%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E131","v":0},{"$f":"D367/D370","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!$A$105","v":"Decrease of 15.1% to 20%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E132","v":0},{"$f":"D368/D370","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!$A$106","v":"Decrease of more than 20.1%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E133","v":0},{"$f":"D369/D370","v":{"$error":"#DIV/0!"}}]
[{"$f":"Language!$A$107","v":"TOTAL"},null,null,{"$f":"SUM(D359:D369)","v":0},{"$f":"'Start Here NBIB Cover Sheet'!F134","v":0}]
[]
[{"$f":"Language!$A$89","v":"Dislocation Before Capping"}]
["Range of Rate Change","Exposures","% Affected","Range of Rate Change","Exposures","% Affected"]
["Increase of 19.1% to20%",{"$f":"'Start Here NBIB Cover Sheet'!E141","v":0},{"$f":"'Start Here NBIB Cover Sheet'!F141","v":""},"Increase of 29.1% to 30%",{"$f":"'Start Here NBIB Cover Sheet'!K141","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L141","v":""}]
["Increase of 18.1% to 19%",{"$f":"'Start Here NBIB Cover Sheet'!E142","v":0},{"$f":"'Start Here NBIB Cover Sheet'!F142","v":""},"Increase of 28.1% to 29%",{"$f":"'Start Here NBIB Cover Sheet'!K142","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L142","v":""}]
["Increase of 17.1% to 18%",{"$f":"'Start Here NBIB Cover Sheet'!E143","v":0},{"$f":"'Start Here NBIB Cover Sheet'!F143","v":""},"Increase of 27.1% to 28%",{"$f":"'Start Here NBIB Cover Sheet'!K143","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L143","v":""}]
["Increase of 16.1% to 17%",0,{"$f":"'Start Here NBIB Cover Sheet'!F144","v":""},"Increase of 26.1% to 27%",{"$f":"'Start Here NBIB Cover Sheet'!K144","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L144","v":""}]
["Increase of 15.1% to 16%",{"$f":"'Start Here NBIB Cover Sheet'!E145","v":0},{"$f":"'Start Here NBIB Cover Sheet'!F145","v":""},"Increase of 25.1% to 26%",{"$f":"'Start Here NBIB Cover Sheet'!K145","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L145","v":""}]
["Increase of 14.1 to 15%",{"$f":"'Start Here NBIB Cover Sheet'!E146","v":0},{"$f":"'Start Here NBIB Cover Sheet'!F146","v":""},"Increase of 24.1 to 25%",{"$f":"'Start Here NBIB Cover Sheet'!K146","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L146","v":""}]
["Increase of 13.1% to 14%",{"$f":"'Start Here NBIB Cover Sheet'!E147","v":0},{"$f":"'Start Here NBIB Cover Sheet'!F147","v":""},"Increase of 23.1% to 24%",{"$f":"'Start Here NBIB Cover Sheet'!K147","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L147","v":""}]
["Increase of 12.1% to 13%",{"$f":"'Start Here NBIB Cover Sheet'!E148","v":0},{"$f":"'Start Here NBIB Cover Sheet'!F148","v":""},"Increase of 22.1% to 23%",{"$f":"'Start Here NBIB Cover Sheet'!K148","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L148","v":""}]
["Increase of 11.1 to 12%",{"$f":"'Start Here NBIB Cover Sheet'!E149","v":0},{"$f":"'Start Here NBIB Cover Sheet'!F149","v":""},"Increase of 21.1 to 22%",{"$f":"'Start Here NBIB Cover Sheet'!K149","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L149","v":""}]
["Increase of 10.1 to 11%",{"$f":"'Start Here NBIB Cover Sheet'!E150","v":0},{"$f":"'Start Here NBIB Cover Sheet'!F150","v":""},"Increase of 20.1-21%",{"$f":"'Start Here NBIB Cover Sheet'!K150","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L150","v":""}]
[{"$f":"Language!$A$107","v":"TOTAL"},{"$f":"SUM(B374:B383)","v":0},{"$f":"'Start Here NBIB Cover Sheet'!$F$151","v":0},{"$f":"Language!$A$107","v":"TOTAL"},{"$f":"'Start Here NBIB Cover Sheet'!K151","v":0},{"$f":"'Start Here NBIB Cover Sheet'!$L$151","v":0}]
[]
[{"$f":"IF(SUM($C$384+$F$384) <> 100%,\"The %Affected does not total to 100%\",\"\")","v":"The %Affected does not total to 100%"}]
[{"$f":"IF(SUM(D359:D361)<>E384,\"The number of exposures more than 10.1% does not match\",\"\")","v":""}]
[]
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[]
["Proposed Territorial Changes:"]
[{"$f":"'Step 2 NBIB Confidential'!A204:G204","v":"Is your company rating policies using the 11 statistical territories? (Yes, No)"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!H204","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A205:G205","v":"If no, how many rating territories is your company using? "},null,null,null,{"$f":"'Step 2 NBIB Confidential'!H205","v":0}]
[]
["Proposed changes to ",{"$f":"'Step 2 NBIB Confidential'!D57","v":"Territorial Differentials"},null,{"$f":"'Step 2 NBIB Confidential'!C57","v":0},null,{"$f":"'Step 2 NBIB Confidential'!L57","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!D69","v":"Territorial Definitions"},null,{"$f":"'Step 2 NBIB Confidential'!C69","v":0},null,{"$f":"'Step 2 NBIB Confidential'!L69","v":0}]
[]
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[]
[{"$f":"'Step 2 NBIB Confidential'!A188","v":"Statistical Territory"},"Current written exposures","Territorial Distribution","Current Ave Premium","Proposed Ave premium",null,"Change in Premium",null,"Proposed Rate Change"]
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[2,{"$f":"'Step 2 NBIB Confidential'!O106","v":0},{"$f":"B436/B446","v":{"$error":"#DIV/0!"}},{"$f":"'Step 2 NBIB Confidential'!O122","v":0},{"$f":"'Step 2 NBIB Confidential'!O137","v":0},null,{"$f":"E436-D436","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O175","v":0}]
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[9,{"$f":"'Step 2 NBIB Confidential'!O113","v":0},{"$f":"B443/B446","v":{"$error":"#DIV/0!"}},{"$f":"'Step 2 NBIB Confidential'!O129","v":0},{"$f":"'Step 2 NBIB Confidential'!O144","v":0},null,0,null,{"$f":"'Step 2 NBIB Confidential'!O182","v":0}]
[10,{"$f":"'Step 2 NBIB Confidential'!O114","v":0},{"$f":"B444/B446","v":{"$error":"#DIV/0!"}},{"$f":"'Step 2 NBIB Confidential'!O130","v":0},{"$f":"'Step 2 NBIB Confidential'!O145","v":0},null,0,null,{"$f":"'Step 2 NBIB Confidential'!O183","v":0}]
[11,{"$f":"'Step 2 NBIB Confidential'!O115","v":0},{"$f":"B445/B446","v":{"$error":"#DIV/0!"}},{"$f":"'Step 2 NBIB Confidential'!O131","v":0},{"$f":"'Step 2 NBIB Confidential'!O146","v":0},null,0,null,{"$f":"'Step 2 NBIB Confidential'!O184","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A116","v":"Provincial "},{"$f":"SUM(B435:B445)","v":0},{"$f":"SUM(C435:C445)","v":{"$error":"#DIV/0!"}},{"$f":"'Step 2 NBIB Confidential'!O132","v":0},{"$f":"'Step 2 NBIB Confidential'!O147","v":0},null,0,null,{"$f":"'Step 2 NBIB Confidential'!O185","v":0}]
[]
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["Profit"]
["Target ROE",{"$f":"'Step 2 NBIB Confidential'!B557","v":0}]
["Implied ROE",{"$f":"'Step 2 NBIB Confidential'!H557","v":0}]
["P/S Ratio",{"$f":"'Step 2 NBIB Confidential'!E557","v":0},":1"]
["Return on Premium",{"$f":"'Step 2 NBIB Confidential'!J557","v":0}]
["Implied ROP",{"$f":"'Step 2 NBIB Confidential'!K557","v":0}]
[]
["Expenses"]
["Regular Commission ",null,null,{"$f":"'Step 2 NBIB Confidential'!B537","v":0}]
["Contingent Commission",null,null,{"$f":"'Step 2 NBIB Confidential'!C537","v":0}]
["Premium Taxes",null,null,{"$f":"'Step 2 NBIB Confidential'!D537","v":0}]
["Other General Expenses (Excluding Health Services Levy)",null,null,{"$f":"'Step 2 NBIB Confidential'!E537","v":0}]
["ULAE as % of Premiums",null,null,{"$f":"'Step 2 NBIB Confidential'!F537","v":0}]
["Total Expenses (Excluding Health Services Levy) as % of Premium",null,null,{"$f":"'Step 2 NBIB Confidential'!G537","v":0}]
["Health Services Levy as % of TPL and AB Premiums",null,null,{"$f":"'Step 2 NBIB Confidential'!H537","v":0}]
[]
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[" "]
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[" "]
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[" "]
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[" "]
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[{"$f":"'Step 2 NBIB Confidential'!A411:O411","v":"Table 21 - Annual Trends Table"}]
[]
["COMPANY TRENDS",{"$f":"'Step 2 NBIB Confidential'!D412","v":"Bodily Injury"},{"$f":"'Step 2 NBIB Confidential'!E412","v":"Property Damage"},{"$f":"'Step 2 NBIB Confidential'!F412","v":"Direct Comp- Property Damage"},{"$f":"'Step 2 NBIB Confidential'!G412","v":"Third Party Liability"},{"$f":"'Step 2 NBIB Confidential'!H412","v":"Accident Benefits"},{"$f":"'Step 2 NBIB Confidential'!I412","v":"Uninsured Auto"},{"$f":"'Step 2 NBIB Confidential'!J412","v":"Health Services Levy"}]
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["French","Francais","fr","F"]
[]
["RFG","RFG","RFG"]
["RFG - 1 Major Rate Filing","Dépôt majeur de demande de tarification RGF-1","RFG-1"]
["RFG - 2  IAO Rate Filing","Dépôt de demande de tarification d'IAO RFG-2","RFG-2"]
["RFG - 3 Rate Group Update Filing","Dépôt de mise à jour de groupe tarifaire RFG-3","RFG-3"]
["RFG - 4 Rating Rule Filing","Demande de changement de règle de tarification RFG-4","RFG-4"]
["RFG - 5 Endorsement Filing","Dépôt de demande d'avenant RFG-5","RFG-5"]
["RFG - 6 Underwriting Rule Filing","Dépôt de demande de règle de souscription RFG-6","RFG-6"]
["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"]
["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","Véhicules de type familial (véhiclues de tourisme)","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"]
["AIG Insurance Company of Canada","la Compagnie d'Assurance AIG du Canada","AIG"]
["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"]
["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"]
["COSECO Insurance Company","Compagnie d'Assurance Coseco ","COSECO","Co-operators"]
["CUMIS General Insurance Company","Compagnie d'Assurance Générale Cumis ","CUMIS","Co-operators"]
["Dominion of Canada General Insurance Company, The","Compagnie d'Assurance Générale Dominion du Canada ","Dominion","Travelers"]
["Echelon General Insurance Company","Échelon Compagnie d'Assurance Générale","Echelon","EGI"]
["Economical Mutual Insurance Company ","Economical Compagnie Mutuelle d'Assurance ","Economical","Economical"]
["Elite Insurance Company","Compagnie d'Assurances Elite ","Elite","Aviva"]
["Facility Association","Facility Association ","FA"]
["Federated Insurance Company of Canada","La Federated Compagnie d'Assurance du Canada ","Federated","Northbridge"]
["Guarantee Company of North America (The)","La Garantie Compagnie d’Assurance de l’Amérique du Nord","Guarantee"]
["Hartford Fire Insurance Company","Hartford Fire Insurance Company","Hartford"]
["IAO Actuarial Consulting Services Inc.","IAO Actuarial Consulting Services Inc.","IAO"]
["Insurance Company of Prince Edward Island","Insurance Company of Prince Edward Island ","ICPEI","EGI"]
["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"]
["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 de l'Estuaire, Société mutuelle d'assurance générale","Promutuel de l'Estuaire, Société mutuelle d'assurance générale","Promutuel-E"]
["Protective Insurance Company","Protective Insurance Company","Protective"]
["Royal and Sun Alliance Insurance Company of Canada","Royal & Sun Alliance du Canada Société d'Assurances ","RSA","RSA"]
["Security National Insurance Company","Sécurité Nationale Compagnie d'Assurance ","Security","TDI"]
["Sonnet Insurance Company","Compagnie d'Assurances Sonnet","Sonnet","Economical"]
["Sovereign General Insurance Company, The","La Souveraine Compagnie d'Assurance Générale ","Sovereign","Co-operators"]
["S&Y Insurance Company","S&Y Insurance Company","SY","Aviva"]
["Scottish & York Insurance Company Limited","Scottish & York Insurance Company Limited ","Scotti","Aviva"]
["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"]
["Trafalgar Insurance Company of Canada","Compagnie d'Assurance Trafalgar du Canada ","Trafalgar","Intact"]
["United General Insurance Corporation","United General Insurance Corporation ","UGen"]
["Unifund Assurance Company","Unifund Compagnie d'Assurance ","Unifund","RSA"]
["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"]
["E&Y"]
["KPMG"]
["Other"]
[]
[]
["Christine Bullock"]
["Brenda Cummings"]
["Tessa Stright"]
["Kelly Ferris"]
[]
["Y","O/N","Y/N"]
["N","N"]
[]
["RFG","RFG","RFG"]
["RFG - 1 Major Rate Filing","Dépôt majeur de demande de tarification RGF-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 "]

{"sheet":"Version","index":2,"n_rows":96,"n_cols":17,"rows_kept":96,"cut":false,"hidden":true,"merged":[]}
["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"]
[null,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"]
[null,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"]
[null,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"]
[null,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"]

{"sheet":"Instructions","index":3,"n_rows":29,"n_cols":12,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
["Please ensure this is the most recent version available by downloading it from the Board's website at nbib-canb.org",null,null,null,null,null,null,null,null,null,null,"NBIB-CANB || Filing Package"]
[]
["Refer to the most recently published Filing Guidelines availble on our website for further instructions on filing.",null,null,null,null,null,null,null,null,null,null,"NBIB-CANB || Information Bulletins"]
[]
["Macros MUST be enabled for these worksheets to work "]
["Once you select the type and class of filings the applicable sheets and cells will automatically show/hide "]
[]
["Technical Notes is a resource tool only - nothing further is required"]
[]
["Stat Territory Map is the current 11 statistical territories in New Brunswick - nothing further is required"]
[]
["Start here - ensure your macros is turned on "]
[null,null,"select company on cell C4"]
[null,null,"Select type of filing at C8, this might take a few minutes"]
[null,null,"Select vehicle type at G8, this might take a few minutes"]
[null,null,"At this point all of the documents you need to complete on the Filing Summary should be open"]
[null,null,"Row 2 should now show the company short name and type of filing and type of vehicle for proper naming of your documents"]
[]
["Complete applicable cells that are formatted in green"]
[]
["Map of rating Territories is required if rating territories do not match the 11 NB statistical territories"]
[]
["Wording change document is to be used for manual pages change, rule changes, underwriting changes"]
[]
["FA Comparision is to be used ONLY by Non-standard writers to compare PPV rates to the most recent approved FA rates"]
[]
["IAO comparision is to be used when filing an RFG - 2, companies must input the rates the proposed rates.  Please comment on any variance from IAO rates."]
[]
["If you have any issues, concerns or questions, call Kelly at 506-643-7711 or email: kelly.ferris@nbib-canb.org"]

{"sheet":"Technical Notes","index":4,"n_rows":36,"n_cols":4,"rows_kept":36,"cut":false,"hidden":false,"merged":[[0,0,0,9]]}
["TECHNICAL NOTES TO AID IN FILING"]
[]
["NBIB website ",null,null,"http://www.nbib-canb.org/en/index.php"]
[]
["Insurance Act",null,null,"http://laws.gnb.ca/en/ShowPdf/cs/I-12.pdf"]
["Regulations",null,null,"http://laws.gnb.ca/en/BrowseTitle?letter=I"]
[]
["MIR","Regulation",null,"http://www.nbib-canb.org/en/uploads/file/pdfs/generic/mir/NBIB%20Decision%20October%202013%20MIR%20Hearing%20E.pdf"]
[null,"NBIB Info Bulletin",2014,"http://www.nbib-canb.org/en/uploads/file/pdfs/infoBulletins/Info%20Bulletin%202014-004%20E.pdf"]
[null,"NBIB Info Bulletin",2013,"http://www.nbib-canb.org/en/uploads/file/pdfs/infoBulletins/Info%20Bulletin%202014-004%20E.pdf"]
[null,"NBIB Decision",2013,"http://www.nbib-canb.org/en/uploads/file/pdfs/generic/mir/NBIB%20Decision%20October%202013%20MIR%20Hearing%20E.pdf"]
[]
["Prohibited Underwriting Practises","Regulation",null,"http://laws.gnb.ca/en/showdoc/cr/2003-15"]
[]
["Filing Guidelines",null,null,"NBIB-CANB || Filing Package"]
[]
[null,"Rules for Other than PPV",null,"http://www.nbib-canb.org/en/uploads/file/pdfs/infoBulletins/Info%20Bulletin%202009-003%20E.pdf"]
[]
["Relevant Decisions ","Link to relevant NBIB Decisions",null,"NBIB-CANB || Decisions & Approvals"]
[]
["Info Bulletins",null,null,"NBIB-CANB || Information Bulletins"]
[]
[]
["HSL","Info Bulletin 2018-001",null,"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",null,null,"See Info Bulletins"]
[]
["Acquisions & Mergers",null,null,"Call Kelly Ferris @ 1-506-643-7711"]
[]
["Intro of new classification system",null,null,"Call Kelly Ferris@ 1-506-643-7711"]
[]
["Compliance",null,null,"Call Kelly Ferris @1-506-643-7711"]
[]
[]
["FCNB",null,null,"http://fcnb.ca/industry-insurance.html"]
["Forms, Licensing",null,null,"info@fcnb.ca"]

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["Miscellaneous Personal Use",{"$f":"'Review Summary - Cover Sheet'!B1:E1","v":0},null,null,null,{"$f":"C43","v":-1.8521035095206868E-2}]
[null," Filing Review Summary",null,null,null,"Billing Number:"]
["Staff Analyst:","Kelly Ferris",null,null,"Approved Change:"]
["Reviewing Actuary:","E&Y"]
[]
["Review Panel:","Date",null,null,null,"Signature"]
[]
[]
[]
["Date Approved:"]
["Chair Signature:"]
[]
[]
[]
["Company Information"]
["IAO is acting as a rating organization and as such, is not licensed to underwrite automobile insurance. However, as a rating organization, it publishes advisory rates based on industry experience, which may be used on a discretionary basis by individual subscribers of IAO."]
["Group:",{"$f":"'Review Summary - Cover Sheet'!B16","v":{"$error":"#N/A"}},null,"Rates being adopted by a sister company",null,null,null,{"$f":"'Review Summary - Cover Sheet'!H16","v":0}]
["Primary Target Market:",{"$f":"'Review Summary - Cover Sheet'!B17","v":0},null,"Rates of this company being adopted by another",null,null,null,{"$f":"'Review Summary - Cover Sheet'!H17","v":0}]
[]
[]
[]
[]
[]
["Purpose and Scope"]
[{"$f":"'Step 2 NBIB Confidential'!A24","v":0}]
[]
[]
["Rate Filing Data"]
["Filing Date:",{"$f":"'Review Summary - Cover Sheet'!B47","v":"00:00:00"},null,"Effective Dates:","New:",{"$f":"'Review Summary - Cover Sheet'!F47:G47","v":"00:00:00"}]
[null,null,null,null,"Renewals:",{"$f":"'Review Summary - Cover Sheet'!F48:G48","v":"00:00:00"}]
["IAO Miscellaneous Filings - Personal Use",null,null,null,"IAO Public Use"]
["Class","Exposures","Proposed Rate Change",null,"Class",null,"Exposures","Proposed Rate Change"]
[{"$f":"A48","v":"ATV"},{"$f":"B53","v":46129.083400000003},{"$f":"B49","v":-4.1507603250166225E-2},null,{"$f":"A88","v":"AMB"},null,{"$f":"B93","v":0},{"$f":"B89","v":0}]
[{"$f":"C48","v":"SV"},{"$f":"E53","v":15805},{"$f":"E49","v":7.0199999999999999E-2},"linked to cells below",{"$f":"C88","v":"PR-Bus"},null,{"$f":"E93","v":15805},{"$f":"E89","v":7.0199999999999999E-2}]
[{"$f":"F48","v":"MC"},{"$f":"I53","v":23137},{"$f":"I49","v":-6.3200000000000006E-2},null,{"$f":"F88","v":"PU-Bus"},null,{"$f":"I93","v":23137},{"$f":"I89","v":-6.3200000000000006E-2}]
[{"$f":"A67","v":"MH"},{"$f":"B72","v":2939},{"$f":"B68","v":9.1499999999999998E-2},null,{"$f":"A106","v":"S-Bus"},null,{"$f":"B111","v":0},{"$f":"B107","v":0}]
[{"$f":"C67","v":"CT"},{"$f":"E72","v":15805},{"$f":"E68","v":7.0199999999999999E-2},null,{"$f":"C106","v":"Taxi"},null,{"$f":"E111","v":15805},{"$f":"E107","v":7.0199999999999999E-2}]
[{"$f":"F67","v":"Ant"},{"$f":"I72","v":23137},{"$f":"I68","v":-6.3200000000000006E-2}]
[]
[]
[]
["Totals",{"$f":"SUM(B33:B41)","v":126952.0834},{"$f":"AVERAGE(C33:D41)","v":1.0665399458305627E-2},null,"Totals",null,{"$f":"SUM(G33:G41)","v":54747},{"$f":"AVERAGE(H33:I41)","v":1.5439999999999999E-2}]
[null,"Personal Use",{"$f":"SUMPRODUCT(B33:B41,C33:C41)/B42","v":-1.8521035095206868E-2},"Overall Weighted Average of Group Rate Change",null,null,"Public Use",{"$f":"SUMPRODUCT(G33:G41,H33:H41)/G42","v":1.3822923630518564E-2}]
[null,"Profit- Group Assumptions"]
[null,"Target ROE",{"$f":"'Step 2 NBIB Confidential'!B557","v":0},null,"Premium Tax",null,{"$f":"'Step 2 NBIB Confidential'!D537","v":0}]
[null,"P/S Ratio",{"$f":"'Step 2 NBIB Confidential'!E557","v":0},null,"HSL",null,{"$f":"'Step 2 NBIB Confidential'!H537","v":0}]
[null,null,null,null,null,null,null,null,"Copy  and paste from Cover sheet white cells only"]
["ATV",null,"SV",null,null,"MC"]
["Proposed Rate Change:",-4.1507603250166225E-2,"Proposed Rate Change:",null,7.0199999999999999E-2,"Proposed Rate Change:",null,null,-6.3200000000000006E-2,"Input row 48, 67, 88, 106"]
["Indicated Rate Change:",-6.9352358117256152E-2,"Indicated Rate Change:",null,6.6100000000000006E-2,"Indicated Rate Change:",null,null,-8.6099999999999996E-2]
["Current Average Premium:",235.45351800433667,"Current Average Premium:",null,286.19,"Current Average Premium:",null,null,414]
["Proposed Average Premium:",225.67154308516913,"Proposed Average Premium:",null,306.27999999999997,"Proposed Average Premium:",null,null,388]
["Number of Exposure Count:",46129.083400000003,"Number of Exposure Count:",null,15805,"Number of Exposure Count:",null,null,23137]
["Written Premium:",13624465,"Written Premium:",null,4044316,"Written Premium:",null,null,10276757]
["PROFIT",null,"PROFIT",null,null,"PROFIT"]
["Implied ROE",0.14460000000000001,"Implied ROE",null,0.1232,"Implied ROE",null,null,0.14019999999999999]
["Return on Premium (RoP)",8.2699999999999996E-2,"Return on Premium (RoP)",null,8.2699999999999996E-2,"Return on Premium (RoP)",null,null,8.2699999999999996E-2]
["Implied RoP",0.10580000000000001,"Implied RoP",null,8.5699999999999998E-2,"Implied RoP",null,null,0.1017]
["EXPENSES",null,"EXPENSES",null,null,"EXPENSES"]
["Regular Commission ",0.11,"Regular Commission ",null,0.11700000000000001,"Regular Commission ",null,null,0.11]
["Contingent Commission",0.01,"Contingent Commission",null,1.6E-2,"Contingent Commission",null,null,0.01]
["Other General Expenses (Excluding Health Services Levy)",0.26529999999999998,"Other General Expenses (Excluding Health Services Levy)",null,0.20610000000000001,"Other General Expenses (Excluding Health Services Levy)",null,null,0.182]
["ULAE as % of Premiums",3.8600000000000002E-2,"ULAE as % of Premiums",null,4.7600000000000003E-2,"ULAE as % of Premiums",null,null,4.5199999999999997E-2]
["Total Expenses (Excluding Health Services Levy) as % of Premium",0.45390000000000003,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,0.41670000000000001,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,null,0.37719999999999998]
[]
[]
["MH",null,"CT",null,null,"Ant"]
["Proposed Rate Change:",9.1499999999999998E-2,"Proposed Rate Change:",null,7.0199999999999999E-2,"Proposed Rate Change:",null,null,-6.3200000000000006E-2]
["Indicated Rate Change:",0.1166,"Indicated Rate Change:",null,6.6100000000000006E-2,"Indicated Rate Change:",null,null,-8.6099999999999996E-2]
["Current Average Premium:",662.07,"Current Average Premium:",null,286.19,"Current Average Premium:",null,null,414]
["Proposed Average Premium:",722.68,"Proposed Average Premium:",null,306.27999999999997,"Proposed Average Premium:",null,null,388]
["Number of Exposure Count:",2939,"Number of Exposure Count:",null,15805,"Number of Exposure Count:",null,null,23137]
["Written Premium:",1820941,"Written Premium:",null,4044316,"Written Premium:",null,null,10276757]
["PROFIT",null,"PROFIT",null,null,"PROFIT"]
["Implied ROE",0.1007,"Implied ROE",null,0.1232,"Implied ROE",null,null,0.14019999999999999]
["Return on Premium (RoP)",8.2699999999999996E-2,"Return on Premium (RoP)",null,8.2699999999999996E-2,"Return on Premium (RoP)",null,null,8.2699999999999996E-2]
["Implied RoP",6.4600000000000005E-2,"Implied RoP",null,8.5699999999999998E-2,"Implied RoP",null,null,0.1017]
["EXPENSES",null,"EXPENSES",null,null,"EXPENSES"]
["Regular Commission ",0.11,"Regular Commission ",null,0.11700000000000001,"Regular Commission ",null,null,0.11]
["Contingent Commission",0.01,"Contingent Commission",null,1.6E-2,"Contingent Commission",null,null,0.01]
["Other General Expenses (Excluding Health Services Levy)",0.11,"Other General Expenses (Excluding Health Services Levy)",null,0.20610000000000001,"Other General Expenses (Excluding Health Services Levy)",null,null,0.182]
["ULAE as % of Premiums",5.6800000000000003E-2,"ULAE as % of Premiums",null,4.7600000000000003E-2,"ULAE as % of Premiums",null,null,4.5199999999999997E-2]
["Total Expenses (Excluding Health Services Levy) as % of Premium",0.31680000000000003,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,0.41670000000000001,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,null,0.37719999999999998]
[]
["Notes:"]
[]
[]
["AMB",null,"PR-Bus",null,null,"PU-Bus"]
["Proposed Rate Change:",null,"Proposed Rate Change:",null,7.0199999999999999E-2,"Proposed Rate Change:",null,null,-6.3200000000000006E-2]
["Indicated Rate Change:",0,"Indicated Rate Change:",null,6.6100000000000006E-2,"Indicated Rate Change:",null,null,-8.6099999999999996E-2]
["Current Average Premium:",0,"Current Average Premium:",null,286.19,"Current Average Premium:",null,null,414]
["Proposed Average Premium:",0,"Proposed Average Premium:",null,306.27999999999997,"Proposed Average Premium:",null,null,388]
["Number of Exposure Count:",0,"Number of Exposure Count:",null,15805,"Number of Exposure Count:",null,null,23137]
["Written Premium:",0,"Written Premium:",null,4044316,"Written Premium:",null,null,10276757]
["PROFIT",null,"PROFIT",null,null,"PROFIT"]
["Implied ROE",0.14460000000000001,"Implied ROE",null,0.1232,"Implied ROE",null,null,0.14019999999999999]
["Return on Premium (RoP)",8.2699999999999996E-2,"Return on Premium (RoP)",null,8.2699999999999996E-2,"Return on Premium (RoP)",null,null,8.2699999999999996E-2]
["Implied RoP",0.10580000000000001,"Implied RoP",null,8.5699999999999998E-2,"Implied RoP",null,null,0.1017]
["EXPENSES",null,"EXPENSES",null,null,"EXPENSES"]
["Regular Commission ",0.11,"Regular Commission ",null,0.11700000000000001,"Regular Commission ",null,null,0.11]
["Contingent Commission",0.01,"Contingent Commission",null,1.6E-2,"Contingent Commission",null,null,0.01]
["Other General Expenses (Excluding Health Services Levy)",0.26529999999999998,"Other General Expenses (Excluding Health Services Levy)",null,0.20610000000000001,"Other General Expenses (Excluding Health Services Levy)",null,null,0.182]
["ULAE as % of Premiums",3.8600000000000002E-2,"ULAE as % of Premiums",null,4.7600000000000003E-2,"ULAE as % of Premiums",null,null,4.5199999999999997E-2]
["Total Expenses (Excluding Health Services Levy) as % of Premium",0.45390000000000003,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,0.41670000000000001,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,null,0.37719999999999998]
[]
["S-Bus",null,"Taxi"]
["Proposed Rate Change:",0,"Proposed Rate Change:",null,7.0199999999999999E-2,"Proposed Rate Change:",null,null,-6.3200000000000006E-2]
["Indicated Rate Change:",0,"Indicated Rate Change:",null,6.6100000000000006E-2,"Indicated Rate Change:",null,null,-8.6099999999999996E-2]
["Current Average Premium:",0,"Current Average Premium:",null,286.19,"Current Average Premium:",null,null,414]
["Proposed Average Premium:",0,"Proposed Average Premium:",null,306.27999999999997,"Proposed Average Premium:",null,null,388]
["Number of Exposure Count:",0,"Number of Exposure Count:",null,15805,"Number of Exposure Count:",null,null,23137]
["Written Premium:",0.25,"Written Premium:",null,4044316,"Written Premium:",null,null,10276757]
["PROFIT",null,"PROFIT",null,null,"PROFIT"]
["Implied ROE",0.14460000000000001,"Implied ROE",null,0.1232,"Implied ROE",null,null,0.14019999999999999]
["Return on Premium (RoP)",8.2699999999999996E-2,"Return on Premium (RoP)",null,8.2699999999999996E-2,"Return on Premium (RoP)",null,null,8.2699999999999996E-2]
["Implied RoP",0.10580000000000001,"Implied RoP",null,8.5699999999999998E-2,"Implied RoP",null,null,0.1017]
["EXPENSES",null,"EXPENSES",null,null,"EXPENSES"]
["Regular Commission ",0.11,"Regular Commission ",null,0.11700000000000001,"Regular Commission ",null,null,0.11]
["Contingent Commission",0.01,"Contingent Commission",null,1.6E-2,"Contingent Commission",null,null,0.01]
["Other General Expenses (Excluding Health Services Levy)",0.26529999999999998,"Other General Expenses (Excluding Health Services Levy)",null,0.20610000000000001,"Other General Expenses (Excluding Health Services Levy)",null,null,0.182]
["ULAE as % of Premiums",3.8600000000000002E-2,"ULAE as % of Premiums",null,4.7600000000000003E-2,"ULAE as % of Premiums",null,null,4.5199999999999997E-2]
["Total Expenses (Excluding Health Services Levy) as % of Premium",0.45390000000000003,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,0.41670000000000001,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,null,0.37719999999999998]
[]
[null,"Proposed Changes",null,null,null,null,"Impact"]
[]
[null,"Base Rate Changes"]
[null,"NOT due to off balancing differential/discount changes. NOT uniform by territory"]
[null,"Differentials Changes"]
[null,null,"Limit differentials"]
[null,null,"Deductible differentials"]
[]
[null,"Capping"]
[]
[]
[]
[null,"Dependant Vehicles"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Coverages"]
["Bodily Injury"]
["Property Damage"]
["Direct Comp - 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"]

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[" 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,"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)","                                                                                                                                                                                    ","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 At Per Vehicle Level\n(121)","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"," ","{Conf}  D4","{Conf} M7","{Cover Sht} D10",null,null,"{Cover Sht} D11",null,null,"{Conf}  I238","{Conf}  F238","{Conf}\nTable 21 - Annual Trends",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,"{Conf} Table 24",null,null,null,null,null,null,"{Conf} Table 25",null,null,null,null,null,null,"{Conf} Table 26 Row 540",null,null,null,null,"B556","{Conf} Table 26 Row 541",null,null,null,null,"H543","{Conf}\n Table 10  O164","{Conf}\n Table 11  O179","{Conf}\n Table 12  O194","{Non Conf} \nTable 1","{Conf}\n Table 9 O160","{Conf}\n Table 7 O141","{Conf}\n Table 8 O156","{Conf}\n Table 10 H164","{Conf}\n Table 11 H179","{Conf}\n Table 10 N164","{Conf}\n Table 11 N179"," ","{Conf}\n Table 15"]
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["New Brunswick Insurance Board - Actuarial Review Recap"]
[{"$f":"'Start Here NBIB Cover Sheet'!H1","v":0},null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!C4:I4","v":0}]
[{"$f":"'Start Here NBIB Cover Sheet'!D7","v":0},null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D8:G8","v":0}]
["Rate Change",null,2016,2015,2014,2013,null,2012]
["Indicated",null,{"$f":"'Step 2 NBIB Confidential'!D8","v":0}]
["Proposed",null,{"$f":"'Step 2 NBIB Confidential'!D7","v":0}]
["Approved"]
[]
["Summary of Findings:"]
[]
[null,"Actuarial Justification"]
[null,null,"Reasonableness?"]
[]
[null,"Overall Methodology:"]
[null,null,"compliant with CIA Standards?"]
[]
[null,"Compliance with NBIB Bulletin?",null,null,null,null,null,null,null,null,null,null,null,null,null,"<- Need update on Bulletin number"]
[null,null,"MIR - Information Bulletin 2016 - XX",null,null,null,null,null,null,null,null,null,null,null,null,"<- Need update on Bulletin number"]
[null,null,"Health Services Levy - Information Bulletin 2016 - XX",null,null,null,null,null,null,null,null,null,null,null,null,"<- Need update on Bulletin number"]
[null,null,"Tax Rate - Information Bulletin 2016 - XX"]
[]
[null,null,null,null,null,"Current Filing",null,"Previous Filing",null,"Additional Comments"]
["Indication method",null,null,null,null,0]
["Uniform Base Rate Change by Territory",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<- New Add"]
["Capping Procedure",null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!L108","v":0},{"$f":"'Start Here NBIB Cover Sheet'!L109","v":0}]
["Differential Changes",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<- New Add"]
[null,"Classification",null,null,null,{"$f":"'Step 2 NBIB Confidential'!B43","v":0},{"$f":"'Step 2 NBIB Confidential'!L52","v":0},null,null,null,null,null,null,null,null,"<- New Add"]
[null,"Years Licensed",null,null,null,{"$f":"'Step 2 NBIB Confidential'!C70","v":0},{"$f":"'Step 2 NBIB Confidential'!L70","v":0},null,null,null,null,null,null,null,null,"<- New Add"]
[null,"Limit",null,null,null,{"$f":"'Step 2 NBIB Confidential'!C53","v":0},{"$f":"'Step 2 NBIB Confidential'!L55","v":0},null,null,null,null,null,null,null,null,"<- New Add"]
[null,"Deductible",null,null,null,{"$f":"'Step 2 NBIB Confidential'!C56","v":0},{"$f":"'Step 2 NBIB Confidential'!L56","v":0},null,null,null,null,null,null,null,null,"<- New Add"]
[null,"Rate Group",null,null,null,{"$f":"'Step 2 NBIB Confidential'!B85","v":0},{"$f":"'Step 2 NBIB Confidential'!L85","v":0},null,null,null,null,null,null,null,null,"<- New Add"]
[null,"Discount/Surcharge",null,null,null,{"$f":"'Step 2 NBIB Confidential'!B64","v":0},{"$f":"'Step 2 NBIB Confidential'!L64","v":0},null,null,null,null,null,null,null,null,"<- New Add"]
[null,"Others (Specify)",null,null,null,null,null,null,null,null,null,null,null,null,null,"<- New Add"]
[null,"Any Reversal?",null,null,null,null,null,null,null,null,null,null,null,null,null,"<- New Add"]
["CLEAR table"]
[null,"Year of CLEAR table",null,null,null,{"$f":"'Step 2 NBIB Confidential'!D87","v":0},{"$f":"'Step 2 NBIB Confidential'!L85","v":0}]
[null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!E87:K87","v":0}]
["Company Data"]
[null,"Source"]
[null,"As of Date"]
[null,"Number of Years included in Indication"]
["Industry Data"]
[null,"Source"]
[null,"AS of Date",null,null,null,{"$f":"'Step 2 NBIB Confidential'!H315","v":0}]
[null,"Number of Years included in Indication"]
["Premium"]
[null,"On-level factor approach"]
[null,"Premium trend adjustments by rate group"]
[null,"Premium trend adjustments by limit"]
[null,"Premium trend adjustments by deductible"]
[null,"Other adjustments (DR, Class, Discounts)"]
["Loss"]
[null,"Inclusion of ALAE"]
[null,"ULAE Ratio"]
[null,"Basis of LDF Selections"]
[null,{"$f":"'Step 2 NBIB Confidential'!B338:D338","v":"Same as prior years?"},null,null,null,{"$f":"'Step 2 NBIB Confidential'!E338","v":0}]
[null,"Trend analysis"]
[null,null,"Methodology"]
[null,null,"Data"]
[null,null,"Date to distinguish past and future trend",null,null,{"$f":"'Step 2 NBIB Confidential'!I427","v":0}]
[null,null,"Reform impact adjustment"]
[null,null,"Major change to selection approach"]
[null,"Catastrophe",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L443","v":0}]
[null,"Large loss loading",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L434","v":0}]
[null,"Change to weight by accident years by coverage"]
[null,"Other adjustments (GST reduction;mix of business)",null,null,null,null,null,null,null,null,null,null,null,null,null,"<- correct typo"]
["Credibility"]
[null,"Methodology"]
[null,"Data"]
[null,"Change to full credibility standards"]
["Complement of credibility"]
["Expense and Profit Loading"]
[null,"Fixed expense percentage (excl HSL/ULAE)"]
[null,"Variable expense percentage (excl HSL/ULAE)"]
[null,"Health Services Levy",null,null,null,{"$f":"'Step 2 NBIB Confidential'!H537","v":0}]
[null,"Tax rate",null,null,null,{"$f":"'Step 2 NBIB Confidential'!F557","v":0}]
[null,"Discount rate (Policy fund)",null,null,null,{"$f":"'Step 2 NBIB Confidential'!C557","v":0}]
[null,"Equity Investment Yield",null,null,null,{"$f":"'Step 2 NBIB Confidential'!D557","v":0}]
[null,"Target ROE",null,null,null,{"$f":"'Step 2 NBIB Confidential'!B557","v":0}]
[null,"Proposed ROE",null,null,null,{"$f":"'Step 2 NBIB Confidential'!H557","v":0}]
[null,"Target ROP",null,null,null,{"$f":"'Step 2 NBIB Confidential'!J557","v":0},null,null,null,null,null,null,null,null,null,"<- New"]
[null,"Proposed ROP",null,null,null,{"$f":"'Step 2 NBIB Confidential'!K557","v":0},null,null,null,null,null,null,null,null,null,"<- New"]
[null,"P-S ratio",null,null,null,{"$f":"'Step 2 NBIB Confidential'!E557","v":0}]
["Amendments"]
["Filing dates",null,null,"Indication",null,"Selection",null,"Summary"]
[{"$f":"'Start Here NBIB Cover Sheet'!M4","v":"00:00:00"}]
[{"$f":"'Start Here NBIB Cover Sheet'!M5","v":"00:00:00"}]
[{"$f":"'Start Here NBIB Cover Sheet'!M6","v":"00:00:00"}]
[{"$f":"'Start Here NBIB Cover Sheet'!M7","v":"00:00:00"}]
[{"$f":"'Start Here NBIB Cover Sheet'!M8","v":"00:00:00"}]
[{"$f":"'Start Here NBIB Cover Sheet'!M9","v":"00:00:00"}]
["Commentary:"]
[]
["Reasonableness of Assumptions and Methodology"]
[]
[]
[]
["Compliance with NBIB Guidelines/Bulletions/Decisions"]
[]
[]
[]
["Justification for the Proposed rates Changes"]
[]
[]
[]
["Key Points of Interest"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Correspondence Timeline"]
[null,"First Questions sent",null,null,null,null,null,"First responses"]
[null,"Second questions sent",null,null,null,null,null,"Second responses"]
[null,"Third questions sent",null,null,null,null,null,"Third responses"]
[null,"Fourth questions sent",null,null,null,null,null,"Fourth responses"]
[null,"Conference Call"]

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["STAFF TECHNICAL REVIEW"]
[null,null,null,null,null,"Indicated Rate Change: ",null,{"$f":"'Step 2 NBIB Confidential'!O170","v":0},null,null,null,"Sum Product calculation"]
["Company:",null,{"$f":"'Start Here NBIB Cover Sheet'!C4","v":0},null,null,"Billing Number:",null,{"$f":"'Start Here NBIB Cover Sheet'!H1","v":0},null,null,null,"Weighted Average Private Use",null,null,{"$f":"SUMPRODUCT(N5:N7,O5:O7)/SUM(N5:N7)","v":0.11092634370640811}]
["Filing:",null,{"$f":"'Start Here NBIB Cover Sheet'!D7","v":0},null,null,"Proposed Rate Change: (after capping)",null,{"$f":"'Start Here NBIB Cover Sheet'!D9","v":0},null,null,null,"class of vehicle",null,"exposure","rate change"]
["Class",null,{"$f":"'Start Here NBIB Cover Sheet'!D8","v":0},null,null,null,null,null,null,null,null,"motorcycles",null,17831,8.72E-2]
["Filing Date:",null,{"$f":"'Start Here NBIB Cover Sheet'!M4","v":"00:00:00"},null,null,null,null,null,null,null,null,"ATV& Snow vehicles",null,39007,0.13350000000000001]
[null,null,null,null,null,null,null,null,null,null,null,"Motorhomes& camper units",null,1229,-0.26129999999999998]
["Effective Dates:",null,null,null,"Reviewing Actuary"]
["New",null,{"$f":"'Start Here NBIB Cover Sheet'!D12","v":"00:00:00"},null,"Staff Member Performing Review"]
["Renewals",null,{"$f":"'Start Here NBIB Cover Sheet'!D13","v":"00:00:00"}]
[null,null,null,null,"Amendments to Indication or Selections"]
["Group:",null,{"$f":"'Start Here NBIB Cover Sheet'!H5","v":{"$error":"#N/A"}},null,"Date","Indication","%","Selection","%"]
["Primary Target Market:",null,{"$f":"'Start Here NBIB Cover Sheet'!M19","v":0},null,{"$f":"'Start Here NBIB Cover Sheet'!M4","v":"00:00:00"}]
["Distribution Channel",null,{"$f":"'Start Here NBIB Cover Sheet'!M20","v":0},null,{"$f":"'Start Here NBIB Cover Sheet'!M5","v":"00:00:00"}]
[null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!M6","v":"00:00:00"}]
["Adopting sister company proposed rates?",null,{"$f":"'Start Here NBIB Cover Sheet'!D23","v":0},null,{"$f":"'Start Here NBIB Cover Sheet'!M7","v":"00:00:00"}]
[null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!M8","v":"00:00:00"}]
[]
["Exposures/Market Share"]
[]
[]
[]
[]
[]
[null,"In-Force Exposures:",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!O116","v":0}]
[null,"Written Premium:",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!H243","v":0}]
[]
[null,"Current Market Share:"]
[null,"Current Ranking:"]
[null,"Has this increased/decreased/remained the same from last filing?"]
[null,"Review of exposures in History"]
["Notes:"]
[]
[]
[]
[]
[]
[]
[]
["Previous Filing"]
["Billing #",null,null,{"$f":"'Start Here NBIB Cover Sheet'!E175","v":0},"Previous Filing Type",null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!E178","v":0}]
["Previous approved",null,null,{"$f":"'Start Here NBIB Cover Sheet'!E176","v":0},"Date",null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!E177","v":"00:00:00"}]
["Previous Market Share"]
["Exposure Count",null,null,{"$f":"'Start Here NBIB Cover Sheet'!E181","v":0},"Previous Current Average Premium: (after Capping)",null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!E179","v":0}]
["Writtten Premium",null,null,{"$f":"'Start Here NBIB Cover Sheet'!E182","v":0},"Previous Proposed Average Premium: (after Capping)",null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!E180","v":0}]
[]
[null,"Has previous Decision been reviewed?"]
[null,"Have previous notes/storyboard been reviewed?"]
[null,"Any previous issues?"]
[null,"In previous 3 filings, have selected rates differed from indicated?"]
[null,"Have the number of exposures/premiums been holding steady over previous 5 years?"]
[null,"Have rates been filed more than twice in a period of 12 months?"]
[null,"History reviewed"]
[]
[]
[]
[]
[]
[]
["Notes:"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Proposed Changes"]
["Description of proposed change(s)"]
["Coverages",null,"Indicated","Selected before capping","Selected after capping","Current Avr Prem",null,"Prop Average Premium before capping"]
["Bodily Injury",null,{"$f":"'Step 2 NBIB Confidential'!B170","v":0},{"$f":"'Step 2 NBIB Confidential'!B185","v":0},{"$f":"'Step 2 NBIB Confidential'!B97","v":0},{"$f":"'Step 2 NBIB Confidential'!B132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!B147","v":0}]
["Property Damage",null,{"$f":"'Step 2 NBIB Confidential'!C170","v":0},{"$f":"'Step 2 NBIB Confidential'!C185","v":0},{"$f":"'Step 2 NBIB Confidential'!C97","v":0},{"$f":"'Step 2 NBIB Confidential'!C132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!C147","v":0}]
["DCPD",null,{"$f":"'Step 2 NBIB Confidential'!D170","v":0},{"$f":"'Step 2 NBIB Confidential'!D185","v":0},{"$f":"'Step 2 NBIB Confidential'!D97","v":0},{"$f":"'Step 2 NBIB Confidential'!D132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D147","v":0}]
["Accident Benefits",null,{"$f":"'Step 2 NBIB Confidential'!E170","v":0},{"$f":"'Step 2 NBIB Confidential'!E185","v":0},{"$f":"'Step 2 NBIB Confidential'!E97","v":0},{"$f":"'Step 2 NBIB Confidential'!E132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!E147","v":0}]
["Uninsured Auto",null,{"$f":"'Step 2 NBIB Confidential'!F170","v":0},{"$f":"'Step 2 NBIB Confidential'!F185","v":0},{"$f":"'Step 2 NBIB Confidential'!F97","v":0},{"$f":"'Step 2 NBIB Confidential'!F132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!F147","v":0}]
["Health Services Levy",null,{"$f":"'Step 2 NBIB Confidential'!G170","v":0},{"$f":"'Step 2 NBIB Confidential'!G185","v":0},{"$f":"'Step 2 NBIB Confidential'!G97","v":0},{"$f":"'Step 2 NBIB Confidential'!G132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!G147","v":0}]
["Total Mandatory ",null,{"$f":"'Step 2 NBIB Confidential'!H170","v":0},{"$f":"'Step 2 NBIB Confidential'!H185","v":0},{"$f":"'Step 2 NBIB Confidential'!H97","v":0},{"$f":"'Step 2 NBIB Confidential'!H132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!H147","v":0}]
["Collision",null,{"$f":"'Step 2 NBIB Confidential'!I170","v":0},{"$f":"'Step 2 NBIB Confidential'!I185","v":0},{"$f":"'Step 2 NBIB Confidential'!I97","v":0},{"$f":"'Step 2 NBIB Confidential'!I132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!I147","v":0}]
["Comprehensive",null,{"$f":"'Step 2 NBIB Confidential'!J170","v":0},{"$f":"'Step 2 NBIB Confidential'!J185","v":0},{"$f":"'Step 2 NBIB Confidential'!J97","v":0},{"$f":"'Step 2 NBIB Confidential'!J132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!J147","v":0}]
["Specified Perils",null,{"$f":"'Step 2 NBIB Confidential'!K170","v":0},{"$f":"'Step 2 NBIB Confidential'!K185","v":0},{"$f":"'Step 2 NBIB Confidential'!K97","v":0},{"$f":"'Step 2 NBIB Confidential'!K132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!K147","v":0}]
["All Perils",null,{"$f":"'Step 2 NBIB Confidential'!L170","v":0},{"$f":"'Step 2 NBIB Confidential'!L185","v":0},{"$f":"'Step 2 NBIB Confidential'!L97","v":0},{"$f":"'Step 2 NBIB Confidential'!L132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!L147","v":0}]
["SEF 44",null,{"$f":"'Step 2 NBIB Confidential'!M170","v":0},{"$f":"'Step 2 NBIB Confidential'!M185","v":0},{"$f":"'Step 2 NBIB Confidential'!M97","v":0},{"$f":"'Step 2 NBIB Confidential'!M132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!M147","v":0}]
["Total Optional ",null,{"$f":"'Step 2 NBIB Confidential'!N170","v":0},{"$f":"'Step 2 NBIB Confidential'!N185","v":0},{"$f":"'Step 2 NBIB Confidential'!N97","v":0},{"$f":"'Step 2 NBIB Confidential'!N132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!N147","v":0}]
[]
["All Coverages ",null,{"$f":"'Step 2 NBIB Confidential'!O170","v":0},{"$f":"'Step 2 NBIB Confidential'!O185","v":0},{"$f":"'Step 2 NBIB Confidential'!O97","v":0},{"$f":"'Step 2 NBIB Confidential'!O132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O147","v":0}]
[]
["Notes:"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$74, Language!$A$74)","v":"Table 1 - Capping"}]
[]
[null,"Current Capping",null,{"$f":"'Start Here NBIB Cover Sheet'!F106","v":0},null,"Proposed Capping",null,{"$f":"'Start Here NBIB Cover Sheet'!L106","v":0}]
[null,"Continue with this capping",null,{"$f":"'Start Here NBIB Cover Sheet'!F107","v":0}]
[null,"Capping Amount",null,{"$f":"'Start Here NBIB Cover Sheet'!F108","v":0},null,"Capping Amount",null,{"$f":"'Start Here NBIB Cover Sheet'!L108","v":0}]
[null,"On what basis",null,{"$f":"'Start Here NBIB Cover Sheet'!F109","v":0},null,"On what basis",null,{"$f":"'Start Here NBIB Cover Sheet'!L109","v":0}]
[]
["Y/N","Description of proposed change(s)",null,null,null,null,null,null,"Impact"]
[]
[{"$f":"'Step 2 NBIB Confidential'!A24:O24","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B42","v":0},"No Change",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L54","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B43","v":0},{"$f":"'Step 2 NBIB Confidential'!C43","v":"Risk Classification:"},null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L43","v":0}]
[]
[{"$f":"'Step 2 NBIB Confidential'!B45","v":0},"Base Rate Changes",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L45","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C46","v":0},"NOT due to off balancing differential/discount changes. Uniform by territory",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L46","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C47","v":0},"NOT due to off balancing differential/discount changes. NOT uniform by territory",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L47","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C48","v":0},"Due to off balancing differential/discount changes. Uniform by territory",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L48","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C49","v":0},"Due to off balancing differential/discount changes. NOT uniform by territory",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L49","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C50","v":0},{"$f":"'Step 2 NBIB Confidential'!D50","v":"Other:"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L50","v":0}]
[null,"A description of the proposed base rate change"]
[null,"The rationale for the proposed base rate change"]
[null,"Do the proposed base rates agree with the changes proposed?"]
[null,"Do the current base rates agree with what has previously been approved?"]
[null,"Any concerns with any of the above?"]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!B51","v":0},"Differentials Changes",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L51","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C52","v":0},"Classification",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L52","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C53","v":0},"Limits of liability",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L53","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C54","v":0},"Driving Record/Years Licensed differentials",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L54","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C55","v":0},"Limit differentials",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L55","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C56","v":0},"Deductible differentials",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L56","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C58","v":0},"Other:",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L58","v":0}]
[null,"Do the current differentials agree with what has previously been approved?"]
[null,"A comparision of current, indicated and proposed differentials must be provided for each coverage for which classification, limit of liability, deductible, or other rate differentials are changing.  Included in htis should be the written premium distribution and the exposure distribution by classification, limit of liability, deductible or other rate differential."]
[null,"Has the general approach to calculating rate differentials remained reasonably constant?  "]
[]
[null,"Review of the History reveal any concerns"]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!C54","v":0},"Driving Record",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L54","v":0}]
[null,"Acceptability"]
[null,"Consistency"]
[null,"Definition - Should be clear and easy to understand"]
[]
[null,"Do the proposed differentials agree with the changes proposed?"]
[null,"Are the proposed risk classification system changes consistent with how coverages should be priced (e.g. no reversals - dr rec 5 differentials should be higher than dr rec 6 differential but less than dr rec 4 differential)?"]
[null,"Any concerns with any of the above"]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!B59","v":0},"Algorithm Changes",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L59","v":0}]
[null,"Is current algorithm included?"]
[null,"Is proposed algorithm included?"]
[]
[{"$f":"'Step 2 NBIB Confidential'!B60","v":0},"Rating and Underwriting Rule Changes"]
[null,{"$f":"'Step 2 NBIB Confidential'!C61","v":0},"Amending rules",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L61","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C62","v":0},"Adding Rules",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L62","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C63","v":0},"Deleting Rules",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L63","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C70","v":0},"Years licensed Definitions",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L70","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,"The rate level effect for each of the proposed rule change?"]
[null,"Are rules with compliant with prohibited underwriting practises?"]
[null,"Are rules unfairly discriminiating?"]
[null,"Does a review of the Hisstory raise any concerns?"]
[null,"Any concerns with any of the above?"]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!B64","v":0},"Discount/Surcharge Changes"]
[null,{"$f":"'Step 2 NBIB Confidential'!C65","v":0},"Amending rules",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L65","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C66","v":0},"Adding Rules",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L66","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C67","v":0},"Deleting Rules",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L67","v":0}]
[null,"Any concerns with any of the above?"]
[null,"A description of all the proposed discounts and surcharges?"]
[null,"The rationale for each of the proposed discounts and surcharges?"]
[null,"The rate level effect for each of the proposed discounts and surcharges?"]
[null,"If changes to an existing discount or surcharge, when was it last amended?"]
[null,"Any concerns with any of the above?"]
[null,"Amended list of Discounts"]
[null,"Have we compared to any other market or insurer?",null,null,null,null,null,null,null,null,null,null,null,null,690]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!B71","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$183, Language!$A$183)","v":"Endorsment Changes"}]
[null,{"$f":"'Step 2 NBIB Confidential'!C72","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$184, Language!$A$184)","v":"Amending endorsment"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L72","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C73","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$185, Language!$A$185)","v":"Adding Endorsment"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L73","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C74","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$186, Language!$A$186)","v":"Deleting Endorsment"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L74","v":0}]
[null,"A description of all the proposed endorsment?"]
[null,"The premium to be charged for the endorsment included?"]
[null,"Any concerns with any of the above?"]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!B68","v":0},"Definition Changes"]
[null,{"$f":"'Step 2 NBIB Confidential'!C69","v":0},"Territorial Definitions",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L69","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C57","v":0},"Territorial Differentials",null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L57","v":0}]
[null,"If a company chooses to deviate from the existing 11 territorial boundaries, they must continue to use these new territorial boundaries for a minimum of three (3) years.",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L616","v":0}]
[null,"Is there deviation from 11 Statistical territories? If yes, is map provided in filing?",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L615","v":0}]
[null,"Are all territories consistent geographic areas that are contiguous?",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!A616","v":0}]
[null,"Are territories defined differently from the statistical plan? If yes, 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,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!A623","v":0}]
[null," A comparison of current indicated, and proposed territorial differentials must be provided for each coverage for which rates are changing by territory.  Included in this should be the written premium distribution and the exposure distribution by coverage, by territory."]
[null,"Are rates in some territories higher/lower than rates for industry in that territory?"]
[null,"If higher than industry, what is the premium by industry and by company?"]
[null,"For any given territory, is the company a major writer?"]
[]
[]
[]
[]
[]
[]
[]
[]
["Territorial Change Exhibit Summary"]
[{"$f":"'Step 2 NBIB Confidential'!A104","v":"Statistical Territory"},"Current written exposures","Current Ave Premium",null,"Proposed Ave premium",null,"Proposed rate change"]
[1,{"$f":"'Step 2 NBIB Confidential'!O105","v":0},{"$f":"'Step 2 NBIB Confidential'!O121","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O136","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O174","v":0}]
[2,{"$f":"'Step 2 NBIB Confidential'!O106","v":0},{"$f":"'Step 2 NBIB Confidential'!O122","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O137","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O175","v":0}]
[3,{"$f":"'Step 2 NBIB Confidential'!O107","v":0},{"$f":"'Step 2 NBIB Confidential'!O123","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O138","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O176","v":0}]
[4,{"$f":"'Step 2 NBIB Confidential'!O108","v":0},{"$f":"'Step 2 NBIB Confidential'!O124","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O139","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O177","v":0}]
[5,{"$f":"'Step 2 NBIB Confidential'!O109","v":0},{"$f":"'Step 2 NBIB Confidential'!O125","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O140","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O178","v":0}]
[6,{"$f":"'Step 2 NBIB Confidential'!O110","v":0},{"$f":"'Step 2 NBIB Confidential'!O126","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O141","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O179","v":0}]
[7,{"$f":"'Step 2 NBIB Confidential'!O111","v":0},{"$f":"'Step 2 NBIB Confidential'!O127","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O142","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O180","v":0}]
[8,{"$f":"'Step 2 NBIB Confidential'!O112","v":0},{"$f":"'Step 2 NBIB Confidential'!O128","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O143","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O181","v":0}]
[9,{"$f":"'Step 2 NBIB Confidential'!O113","v":0},{"$f":"'Step 2 NBIB Confidential'!O129","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O144","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O182","v":0}]
[10,{"$f":"'Step 2 NBIB Confidential'!O114","v":0},{"$f":"'Step 2 NBIB Confidential'!O130","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O145","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O183","v":0}]
[11,{"$f":"'Step 2 NBIB Confidential'!O115","v":0},{"$f":"'Step 2 NBIB Confidential'!O131","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O146","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O184","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A116","v":"Provincial "},{"$f":"'Step 2 NBIB Confidential'!O116","v":0},{"$f":"'Step 2 NBIB Confidential'!O132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O147","v":0},null,{"$f":"'Step 2 NBIB Confidential'!O185","v":0}]
[]
["Territorial Comparison Terr # to Terr 11's All Coverages Combined Proposed Avg Premium"]
["Terr 1 to Terr 11's m\n(136)",null,"Terr 2 to Terr 11's ",null,"Terr 3 to Terr 11's ",null,"Terr 4 to Terr 11's",null,"Terr 5 to Terr 11's "]
[{"$f":"'Step 2 NBIB Confidential'!O136/'Step 2 NBIB Confidential'!O146","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 2 NBIB Confidential'!O137/'Step 2 NBIB Confidential'!O146","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 2 NBIB Confidential'!O138/'Step 2 NBIB Confidential'!O146","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 2 NBIB Confidential'!O139/'Step 2 NBIB Confidential'!O146","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 2 NBIB Confidential'!O140/'Step 2 NBIB Confidential'!O146","v":{"$error":"#DIV/0!"}}]
[]
["Terr 6 to Terr 11's ",null,"Terr 7 to Terr 11's ",null,"Terr 8 to Terr 11's ",null,"Terr 9 to Terr 11's ",null,"Terr 10 to Terr 11's "]
[{"$f":"'Step 2 NBIB Confidential'!O141/'Step 2 NBIB Confidential'!O146","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 2 NBIB Confidential'!O142/'Step 2 NBIB Confidential'!O146","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 2 NBIB Confidential'!O143/'Step 2 NBIB Confidential'!O146","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 2 NBIB Confidential'!O144/'Step 2 NBIB Confidential'!O146","v":{"$error":"#DIV/0!"}},null,{"$f":"'Step 2 NBIB Confidential'!O145/'Step 2 NBIB Confidential'!O146","v":{"$error":"#DIV/0!"}}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!B75","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$187, Language!$A$187)","v":"IAO - Adopt Most recent Approved IAO Base Rates and Differentials Tables"}]
[null,{"$f":"'Step 2 NBIB Confidential'!C76","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$188, Language!$A$188)","v":"IAO Rate Table currently being used (YEAR)"}]
[null,{"$f":"'Step 2 NBIB Confidential'!C77","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$189, Language!$A$189)","v":"IAO Rate Table proposed (YEAR)"}]
[null,{"$f":"'Step 2 NBIB Confidential'!C78","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$190, Language!$A$190)","v":"No deviation from IAO Rate Table"}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$191, Language!$A$191)","v":"Rationale for adopting IAO Rate Table: Go to IAO Comparison cell D15 to complete"}]
[]
[]
[]
[null,{"$f":"'Step 2 NBIB Confidential'!C80","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$192, Language!$A$192)","v":"Deviation to IAO base rates only"},null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L80","v":0}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$193, Language!$A$193)","v":"Rationale for deviation: Go to IAO Comparison cell C20 to complete"}]
[]
[]
[null,"Has the company adopted the most recent approved IAO rates?"]
[null,"Is this an initial filing?"]
[null,"What is the total written premium of the company?",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!H243","v":0}]
[null,"Has the company filed RFG - 2 prior for this class?"]
[null,"Any issues or concerns with the IAO comparision sheet?"]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$194, Language!$A$194)","v":"Rate Group  Tables"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$197, Language!$A$197)","v":"Current"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$195, Language!$A$195)","v":"Year of Table"},null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$196, Language!$A$196)","v":"Table being used"}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!D84","v":0},{"$f":"'Step 2 NBIB Confidential'!E84","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B85","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$198, Language!$A$198)","v":"Update Rate Group Table"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$199, Language!$A$199)","v":"Proposed"},{"$f":"C321","v":"Year of Table"},null,{"$f":"E321","v":"Table being used"}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!D87","v":0},{"$f":"'Step 2 NBIB Confidential'!E87","v":0}]
[null,"Is the year of table within 2 years of current year?"]
[null,"If no, need explanation from company"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!B88","v":0},"Acquision/Merger"]
[{"$f":"'Step 2 NBIB Confidential'!B89","v":0},"Harmonization"]
[{"$f":"'Step 2 NBIB Confidential'!B90","v":0},"Compliance - Rating Error Self reporting"]
[{"$f":"'Step 2 NBIB Confidential'!B91","v":0},"Portfolio Transfer"]
[{"$f":"'Step 2 NBIB Confidential'!B92","v":0},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$200, Language!$A$200)","v":"*Other (please specify)"}]
[{"$f":"'Step 2 NBIB Confidential'!B94","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Dislocation"]
[null,"Are there concerns with the number of exposures being dislocated?"]
[null,"Are there any dislocation over 10%"]
[{"$f":"'Start Here NBIB Cover Sheet'!A154","v":0}]
[{"$f":"'Start Here NBIB Cover Sheet'!E121","v":"Table 1 Impact on Mandatory + Optional Coverages Combined"}]
[null,{"$f":"Language!$A$108","v":"Dislocation  After Capping"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$93, Language!$A$93)","v":"Range of Rate Change"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$94, Language!$A$94)","v":"Exposures"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$95, Language!$A$95)","v":"% Affected"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$96, Language!$A$96)","v":"Increase of more than 20.1%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E123","v":0},{"$f":"E358/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$97, Language!$A$97)","v":"Increase of 15.1% to 20%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E124","v":0},{"$f":"E359/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$98, Language!$A$98)","v":"Increase of 10.1% to 15%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E125","v":0},{"$f":"E360/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$99, Language!$A$99)","v":"Increase of 5.1% to 10%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E126","v":0},{"$f":"E361/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$100, Language!$A$100)","v":"Increase of 0.1% to 5%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E127","v":0},{"$f":"E362/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$101, Language!$A$101)","v":"NO CHANGE"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E128","v":0},{"$f":"E363/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$102, Language!$A$102)","v":"Decrease of 0.1% to 5%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E129","v":0},{"$f":"E364/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$103, Language!$A$103)","v":"Decrease of 5.1% to 10%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E130","v":0},{"$f":"E365/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$104, Language!$A$104)","v":"Decrease of 10.1% to 15%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E131","v":0},{"$f":"E366/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$105, Language!$A$105)","v":"Decrease of 15.1% to 20%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E132","v":0},{"$f":"E367/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$106, Language!$A$106)","v":"Decrease of more than 20.1%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E133","v":0},{"$f":"E368/E369","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$107, Language!$A$107)","v":"TOTAL"},null,null,{"$f":"SUM(E358:E368)","v":0},{"$f":"SUM(F358:F368)","v":{"$error":"#DIV/0!"}}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$110, Language!$A$110)","v":"Increase of 19.1% to20%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E141","v":0},{"$f":"E371/E381","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$111, Language!$A$111)","v":"Increase of 18.1% to 19%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E142","v":0},{"$f":"E372/E381","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$112, Language!$A$112)","v":"Increase of 17.1% to 18%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E143","v":0},{"$f":"E373/E381","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$113, Language!$A$113)","v":"Increase of 16.1% to 17%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E144","v":0},{"$f":"E374/E381","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$114, Language!$A$114)","v":"Increase of 15.1% to 16%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E145","v":0},{"$f":"E375/E381","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$115, Language!$A$115)","v":"Increase of 14.1 to 15%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E146","v":0},{"$f":"E376/E381","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$116, Language!$A$116)","v":"Increase of 13.1% to 14%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E147","v":0},{"$f":"E377/E381","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$117, Language!$A$117)","v":"Increase of 12.1% to 13%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E148","v":0},{"$f":"E378/E381","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$118, Language!$A$118)","v":"Increase of 11.1 to 12%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E149","v":0},{"$f":"E379/E381","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$119, Language!$A$119)","v":"Increase of 10.1 to 11%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E150","v":0},{"$f":"E380/E381","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"Language!A107","v":"TOTAL"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!E151","v":0},{"$f":"SUM(F371:F380)","v":{"$error":"#DIV/0!"}}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$120, Language!$A$120)","v":"Increase of 29.1% to 30%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K141","v":0},{"$f":"E383/E393","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$121, Language!$A$121)","v":"Increase of 28.1% to 29%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K142","v":0},{"$f":"E384/E393","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$122, Language!$A$122)","v":"Increase of 27.1% to 28%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K143","v":0},{"$f":"E385/E393","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$123, Language!$A$123)","v":"Increase of 26.1% to 27%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K144","v":0},{"$f":"E386/E393","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$124, Language!$A$124)","v":"Increase of 25.1% to 26%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K145","v":0},{"$f":"E387/E393","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$125, Language!$A$125)","v":"Increase of 24.1 to 25%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K146","v":0},{"$f":"E388/E393","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$126, Language!$A$126)","v":"Increase of 23.1% to 24%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K147","v":0},{"$f":"E389/E393","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$127, Language!$A$127)","v":"Increase of 22.1% to 23%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K148","v":0},{"$f":"E390/E393","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$128, Language!$A$128)","v":"Increase of 21.1 to 22%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K149","v":0},{"$f":"E391/E393","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$129, Language!$A$129)","v":"Increase of 20.1-21%"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K150","v":0},{"$f":"E392/E393","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"Language!A107","v":"TOTAL"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!K151","v":0},{"$f":"SUM(F383:F392)","v":{"$error":"#DIV/0!"}}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Change in Exposures or Premiums"]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$252, Language!$A$252)","v":"Exposures"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$253, Language!$A$253)","v":"Premiums"}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!C238","v":"Renewal Year"},{"$f":"'Step 2 NBIB Confidential'!D238","v":"In-force "},{"$f":"'Step 2 NBIB Confidential'!E238","v":"Written"},{"$f":"'Step 2 NBIB Confidential'!F238","v":"Earned "},{"$f":"'Step 2 NBIB Confidential'!G238","v":"In-force "},{"$f":"'Step 2 NBIB Confidential'!H238","v":"Written"},{"$f":"'Step 2 NBIB Confidential'!I238","v":"Earned "}]
[{"$f":"'Step 2 NBIB Confidential'!A239:B239","v":"4th Prior Accident Year"},null,{"$f":"'Step 2 NBIB Confidential'!C239","v":0},{"$f":"'Step 2 NBIB Confidential'!D239","v":0},{"$f":"'Step 2 NBIB Confidential'!E239","v":0},{"$f":"'Step 2 NBIB Confidential'!F239","v":0},{"$f":"'Step 2 NBIB Confidential'!H239","v":0},{"$f":"'Step 2 NBIB Confidential'!H239","v":0},{"$f":"'Step 2 NBIB Confidential'!I239","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A240:B240","v":"3rd Prior Accident Year"},null,{"$f":"'Step 2 NBIB Confidential'!C240","v":0},{"$f":"'Step 2 NBIB Confidential'!D240","v":0},{"$f":"'Step 2 NBIB Confidential'!E240","v":0},{"$f":"'Step 2 NBIB Confidential'!F240","v":0},{"$f":"'Step 2 NBIB Confidential'!H240","v":0},{"$f":"'Step 2 NBIB Confidential'!H240","v":0},{"$f":"'Step 2 NBIB Confidential'!I240","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A241:B241","v":"2nd Prior Accident Year"},null,{"$f":"'Step 2 NBIB Confidential'!C241","v":0},{"$f":"'Step 2 NBIB Confidential'!D241","v":0},{"$f":"'Step 2 NBIB Confidential'!E241","v":0},{"$f":"'Step 2 NBIB Confidential'!F241","v":0},{"$f":"'Step 2 NBIB Confidential'!H241","v":0},{"$f":"'Step 2 NBIB Confidential'!H241","v":0},{"$f":"'Step 2 NBIB Confidential'!I241","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A242:B242","v":"1st Prior Accident Year"},null,{"$f":"'Step 2 NBIB Confidential'!C242","v":0},{"$f":"'Step 2 NBIB Confidential'!D242","v":0},{"$f":"'Step 2 NBIB Confidential'!E242","v":0},{"$f":"'Step 2 NBIB Confidential'!F242","v":0},{"$f":"'Step 2 NBIB Confidential'!G242","v":0},{"$f":"'Step 2 NBIB Confidential'!G242","v":0},{"$f":"'Step 2 NBIB Confidential'!I242","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!A243:B243","v":"Current Accident Year"},null,{"$f":"'Step 2 NBIB Confidential'!C243","v":0},{"$f":"'Step 2 NBIB Confidential'!D243","v":0},{"$f":"'Step 2 NBIB Confidential'!E243","v":0},{"$f":"'Step 2 NBIB Confidential'!F243","v":0},{"$f":"'Step 2 NBIB Confidential'!G243","v":0},{"$f":"'Step 2 NBIB Confidential'!H243","v":0},{"$f":"'Step 2 NBIB Confidential'!I243","v":0}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$254, Language!$A$254)","v":"Average Premium"}]
[null,null,{"$f":"C405","v":"Renewal Year"},{"$f":"D405","v":"In-force "},{"$f":"E405","v":"Written"},{"$f":"F405","v":"Earned "}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!C239","v":0},{"$f":"'Step 2 NBIB Confidential'!J239","v":0},{"$f":"'Step 2 NBIB Confidential'!K239","v":0},{"$f":"'Step 2 NBIB Confidential'!L239","v":0}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!C240","v":0},{"$f":"'Step 2 NBIB Confidential'!J240","v":0},{"$f":"'Step 2 NBIB Confidential'!K240","v":0},{"$f":"'Step 2 NBIB Confidential'!L240","v":0}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!C241","v":0},{"$f":"'Step 2 NBIB Confidential'!J241","v":0},{"$f":"'Step 2 NBIB Confidential'!K241","v":0},{"$f":"'Step 2 NBIB Confidential'!L241","v":0}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!C242","v":0},{"$f":"'Step 2 NBIB Confidential'!J242","v":0},{"$f":"'Step 2 NBIB Confidential'!K242","v":0},{"$f":"'Step 2 NBIB Confidential'!L242","v":0}]
[null,null,{"$f":"'Step 2 NBIB Confidential'!C243","v":0},{"$f":"'Step 2 NBIB Confidential'!J243","v":0},{"$f":"'Step 2 NBIB Confidential'!K243","v":0},{"$f":"'Step 2 NBIB Confidential'!L243","v":0}]
[null,"Has there been a change in exposures over time?"]
[null,"Has the company offered a vaild explanation for the increase/decrease?"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"FILING ASSUMPTIONS"]
[null,"Expenses:"]
[null,"Are expenses within a range of reasonableness?"]
[null,"Has there been a significant change since prior filing?"]
[null,"History - Has there been any significant changes over the prior years?"]
[null,"Expenses",null,null,"Proposed","Industry Average","Company Previous"]
[null,"Regular Commission ",null,null,{"$f":"'Step 2 NBIB Confidential'!B537","v":0}]
[null,"Contingent Commission",null,null,{"$f":"'Step 2 NBIB Confidential'!C537","v":0}]
[null,"Premium Taxes",null,null,{"$f":"'Step 2 NBIB Confidential'!D537","v":0}]
[null,"Other General Expenses (Excluding Health Services Levy)",null,null,{"$f":"'Step 2 NBIB Confidential'!E537","v":0}]
[null,"ULAE as % of Premiums",null,null,{"$f":"'Step 2 NBIB Confidential'!F537","v":0}]
[null,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,null,{"$f":"'Step 2 NBIB Confidential'!G537","v":0}]
[null,"Health Services Levy as % of TPL and AB Premiums",null,null,{"$f":"'Step 2 NBIB Confidential'!H537","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Profit Provision"]
[null,null,null,{"$f":"Language!A197","v":"Current"},{"$f":"'Step 2 NBIB Confidential'!E560","v":"Prior Filing"},{"$f":"'Step 2 NBIB Confidential'!F560","v":"2nd Prior Filing"},{"$f":"'Step 2 NBIB Confidential'!G560","v":"3rd Prior Filing"},{"$f":"'Step 2 NBIB Confidential'!H560","v":"4th Prior Filing"},{"$f":"'Step 2 NBIB Confidential'!I560","v":"5th Prior \nFiling"}]
[{"$f":"'Step 2 NBIB Confidential'!B561","v":"Target ROE Underlying Indications"},null,null,{"$f":"'Step 2 NBIB Confidential'!B557","v":0},{"$f":"'Step 2 NBIB Confidential'!E561","v":0},{"$f":"'Step 2 NBIB Confidential'!F561","v":0},{"$f":"'Step 2 NBIB Confidential'!G561","v":0},{"$f":"'Step 2 NBIB Confidential'!H561","v":0},{"$f":"'Step 2 NBIB Confidential'!I561","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B562","v":"ROE Implied by Selected Rate Change Current Filing"},null,null,{"$f":"'Step 2 NBIB Confidential'!H557","v":0},{"$f":"'Step 2 NBIB Confidential'!E562","v":0},{"$f":"'Step 2 NBIB Confidential'!F562","v":0},{"$f":"'Step 2 NBIB Confidential'!G562","v":0},{"$f":"'Step 2 NBIB Confidential'!H562","v":0},{"$f":"'Step 2 NBIB Confidential'!I562","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B563","v":"Target Return on Premium Underlying Indications"},null,null,{"$f":"'Step 2 NBIB Confidential'!J557","v":0},{"$f":"'Step 2 NBIB Confidential'!E563","v":0},{"$f":"'Step 2 NBIB Confidential'!G563","v":0},{"$f":"'Step 2 NBIB Confidential'!G563","v":0},{"$f":"'Step 2 NBIB Confidential'!H563","v":0},{"$f":"'Step 2 NBIB Confidential'!I563","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!B564","v":"ROP Implied by Selected Rate Change\n Current Filing"},null,null,{"$f":"'Step 2 NBIB Confidential'!E564","v":0},{"$f":"'Step 2 NBIB Confidential'!E564","v":0},{"$f":"'Step 2 NBIB Confidential'!F564","v":0},{"$f":"'Step 2 NBIB Confidential'!G564","v":0},{"$f":"'Step 2 NBIB Confidential'!H564","v":0},{"$f":"'Step 2 NBIB Confidential'!I564","v":0}]
[null,"Is ROE and Implied ROE consistent with previous years"]
[null,"Are profit provisions within a range of reasonableness?"]
[null,"History - Has there been any significant changes over the prior years?"]
[null,"Is impled ROE low or negative? Ask the company if there are any concerns with solvency?"]
[]
[]
[]
[]
[null,"Premium to Surplus Ratio"]
[null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!E557","v":0},": to 1 (one)"]
[null,"Premium Distribution"]
[null,"Mandatory",null,null,{"$f":"'Step 2 NBIB Confidential'!E224","v":0}]
[null,"Optional",null,null,{"$f":"'Step 2 NBIB Confidential'!K224","v":0}]
[null,"Any material change with this distribution?"]
[]
["Notes:"]
[]
[]
[]
[]
[]
[]
[]
[null,"Treatment of Large Losses"]
[null,"Indicate how large losses in the experience period have been handled.  If losses have been capped, the number of such losses and the effects of the caps must be demonstrated.  The insurer should ensure that large losses do not cause significant instability in the rates from one period to the next.",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!E434","v":0}]
[null,null,null,"At what amount?",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L434","v":0}]
[]
[null,"Cat Loading"]
[null,"Note: The province of New Brunswick is rarely impacted by catastrophes affecting automobile insurance claims.  The New Brunswick Insurance Board (NBIB, Board) does not expect that there should be a loading for this."]
[null," Outline procedure used and disclose details of the calculations.  All judgments associated with the process of calculating the catastrophe provision should be disclosed in detail and supported.",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!E443","v":0}]
[null,null,null,"Amount",null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L443","v":0}]
[null,"History - Has there previously been a loading for this?"]
[null,"If there is a loading - is a rationale attached for the inclusion of this load?"]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Other Adjustments"]
[null,"MIR Adjustment",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!E446","v":0}]
[null,"Other Adjustments",null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!D447","v":0}]
[null,"Check History to see what was included for previous years for this."]
[null,"Details on the amendment for the MIR."]
[null,"Has any other adjustments been made to the data which affect expected premium or losses?"]
["Notes:"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[" Rate Indications and Selections",null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!A278","v":0}]
[null,"Overall Description of the Ratemaking Methodology and Summary"]
[null,"Table 17","Data used"]
[null,"Data Used",null,"As of Date",null,{"$f":"'Step 2 NBIB Confidential'!K314","v":"Filing SubSection"}]
[null,{"$f":"'Step 2 NBIB Confidential'!C314","v":0},null,{"$f":"'Step 2 NBIB Confidential'!H314","v":"00:00:00"},null,{"$f":"'Step 2 NBIB Confidential'!M314","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C315","v":0},null,{"$f":"'Step 2 NBIB Confidential'!H315","v":"00:00:00"},null,{"$f":"'Step 2 NBIB Confidential'!M315","v":0}]
[null,{"$f":"'Step 2 NBIB Confidential'!C316","v":0},null,{"$f":"'Step 2 NBIB Confidential'!H316","v":"00:00:00"},null,{"$f":"'Step 2 NBIB Confidential'!M316","v":0}]
[]
[null,"Rationale for the proposed changes if selection is different than the indicated change."]
[null,{"$f":"'Step 2 NBIB Confidential'!A97","v":0}]
[null,"Is the average rate increase 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?"]
[null,"General guidelines:"]
[null,"Acceptable- socially and politically"]
[null,"Consistent - with prior filings and the marketplace"]
[null,"Reasonableness - does it make sense"]
[null,"Relationship to Trends in the marketplace"]
[null,"Competitive Rate Change- What is the market doing"]
[null,"Effect of Individual coverage changes - overall and dislocation"]
[null,"Change in individual coverages - is there going to be dislocation? What options does the policyholder have?"]
[]
[null,"Legality- are proposed changes legal? Check the regulations "]
[]
["Notes:"]

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[{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$71, Language!$A$71)","v":"Submit Filing to:"},null,"filings@nbib-canb.org ",null,null,{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$19, Language!$A$19)","v":"NBIB Document  Name:"},null,{"$f":"$M$4","v":"00:00:00"},{"$f":"H5","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(D8,'Drop Down'!A24:C45,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(D7,'Drop Down'!A8:C20,3,FALSE)","v":{"$error":"#N/A"}},"Filing Summary",null,"Original/Amendment/Response"]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$234, Language!$A$234)","v":"**Please Ensure Macros are Enabled on the Spreadsheet**"},null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$20, Language!$A$20)","v":"Language"}]
[{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$3, Language!$A$3)","v":"Company Name"},null,null,null,null,null,null,null,null,{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$4, Language!$A$4)","v":"Date of Filing:"}]
[null,null,null,null,null,{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$6, Language!$A$6)","v":"Company Short Name"},null,{"$f":"IF(VLOOKUP(C4,'Drop Down'!A47:C95,3,FALSE)<>0,VLOOKUP(C4,'Drop Down'!A47:C95,3,FALSE),\"\")","v":{"$error":"#N/A"}},null,{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$7, Language!$A$7)","v":"Amendment Date(s):"}]
[null,null,null,null,null,"GROUP",{"$f":"IF(VLOOKUP(C4,'Drop Down'!A47:D95,4,FALSE)<>0,VLOOKUP(C4,'Drop Down'!A47:D95,4,FALSE),\"\")","v":{"$error":"#N/A"}}]
[{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$8, Language!$A$8)","v":"Filing Type:"},null,null,null,null,null,null,"**Note**:  Threshold limit for Adopting PPV IAO rates < $1 million"]
[{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$9, Language!$A$9)","v":"Vehicle Type:"},null,null,null,null,null,null,"For Other Vehicle Types see Info Bulletin ",null,null,"2017-003"]
[{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$10, Language!$A$10)","v":"Overall Selected Rate Change:"}]
[{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$12, Language!$A$12)","v":"Indicated Rate change"},null,null,null,null,null,null,"**Hearing Trigger** Effective Dates"]
[]
[{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$15, Language!$A$15)","v":"Proposed Effective Dates:"},null,"New",null,null,null,null," ….average rate increase is more than 3% greater than the rates charged by it in the 12 months before the date on which it proposes to begin to charge the rates. Insurance Act Sec 267.51(1) (b)"]
[null,null,"Renewal"]
[]
[{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$21, Language!$A$21)","v":"Non-Confidential Company Information"}]
[{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$22, Language!$A$22)","v":"Contact Information"}]
[{"$f":"IF(H3 = 'Drop Down'!A5, Language!$B$23, Language!$A$23)","v":"Name"},null,null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$28, Language!$A$28)","v":"Mailing Address"},null,null,"Distribution"]
[{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$24, Language!$A$24)","v":"Title"},null,null,null,null,null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$30, Language!$A$30)","v":"Target Market"}]
[{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$26, Language!$A$26)","v":"Phone Number"},null,null,null,null,null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$33, Language!$A$33)","v":"Primary Market"}]
[{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$27, Language!$A$27)","v":"Email Address"},null,null,null,null,null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$34, Language!$A$34)","v":"Distribution Channel"}]
[]
[null,null,null,null,null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$36, Language!$A$36)","v":"Secondary distribution channel"}]
[{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$37, Language!$A$37)","v":"Adopting rates from a Sister Company"},null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$38, Language!$A$38)","v":"Sister Company adopting rates"},null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$35, Language!$A$35)","v":"Hearing Notification* contact(s) to notify if Hearing Notice is to be issued"}]
[null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$31, Language!$A$31)","v":"If Yes"},{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$40, Language!$A$40)","v":"From which Company"},null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$25, Language!$A$25)","v":"Name and Title"}]
[]
[{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$39, Language!$A$39)","v":"Details on what coverages are being adopted"},null,null,null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$27, Language!$A$27)","v":"Email Address"}]
[]
[]
[]
[null,null,null,null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$25, Language!$A$25)","v":"Name and Title"}]
[null,null,null,null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$27, Language!$A$27)","v":"Email Address"}]
[null,null,null,null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$25, Language!$A$25)","v":"Name and Title"}]
[null,null,null,null,null,null,null,null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$27, Language!$A$27)","v":"Email Address"}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Dependant Vehicles"]
["Are there dependent vehicles?"]
[null,"If yes, complete information below:"]
[null,null,null,"Dependant Class (list all)",null,"Coverage Affected",null,null,"Rate Level Impact "]
[]
[]
[]
[]
[]
[]
["Rate Group Information"]
["Updating Rate Group Table:"]
[null,"If yes:","Impact:"]
[]
[null,null,null,"Year of table ","Table being used",null,null,null,null,null,"If Other Selected, Please provide details here:"]
[null,null,"Current"]
[null,null,"Proposed"]
[]
["Capping"]
["Is there any Capping?"]
[null,"If yes, is capping currently used or being proposed"]
[null,"Capping Amount"]
[null,"On what basis"]
[]
["Dislocation"]
[null,null,null,"Table 1\nImpact on Mandatory Coverage",null,"Table 2\nImpact on Optional Coverage",null,"Table 3\nImpact on Mandatory + Optional Coverages Combined"]
["Range of Rate Change",null,null,"Exposures","% Affected","Exposures","% Affected","Exposures","% Affected"]
["Increase of more than 20.1%",null,null,null,null,null,null,null,null,null," "]
["Increase of 15.1% to 20%"]
["Increase of 10.1% to 15%"]
["Increase of 5.1% to 10%"]
["Increase of 0.1% to 5%"]
["NO CHANGE"]
["Decrease of 0.1% to 5%"]
["Decrease of 5.1% to 10%"]
["Decrease of 10.1% to 15%"]
["Decrease of 15.1% to 20%"]
["Decrease of more than 20.1%"]
["TOTAL",null,null,{"$f":"SUM(D84:D94)","v":0},0,0,0,0,0]
["*Complete Dislocation Tables AFTER Capping:"]
["Notes or Comments - Explanation for any Dislocation >10%"]
[]
[]
[" "]
[" "]
[" "]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$74, Language!$A$74)","v":"Table 1 - Capping"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$75, Language!$A$75)","v":"Current Capping"},null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$79, Language!$A$79)","v":"Proposed capping in this filing"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$77, Language!$A$77)","v":"Capping Amount"},null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$80, Language!$A$80)","v":"Capping Amount"},null,null,null,null,"Other:"]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$78, Language!$A$78)","v":"On what basis"},null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$81, Language!$A$81)","v":"On what basis"}]
[null,"Details on original Capping",null,"Date implemented",null,null,null,"At 12 month renewal"]
[null,"Number of months to be in place",null,null,null,null,null,"At 24 month renewal",null,null,null,null,"For Portfolio Transfers "]
[null,null,null,null,null,null,null,"At 36 month renewal",null,null,null,null,"or mergers ONLY"]
["Notes",null,null,null,null,null,null,"At 48 month renewal"]
[]
[]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$88, Language!$A$88)","v":"Table 2 - Dislocation Tables"}]
[]
[{"$f":"Language!A89","v":"Dislocation Before Capping"}]
[null,"Table 1 Before Capping",null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$92, Language!$A$92)","v":"Table 1 Impact on Mandatory + Optional Coverages Combined"},null,"mandatory + optional is the entire book of business all policies with \"full coverage\" + those with only mandatory coverage"]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$93, Language!$A$93)","v":"Range of Rate Change"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$94, Language!$A$94)","v":"Exposures"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$95, Language!$A$95)","v":"% Affected"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$96, Language!$A$96)","v":"Increase of more than 20.1%"},null,null,null,{"$f":"IF(ISBLANK(E123),\"\",E123/E134)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$97, Language!$A$97)","v":"Increase of 15.1% to 20%"},null,null,null,{"$f":"IF(ISBLANK(E124),\"\",E124/E134)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$98, Language!$A$98)","v":"Increase of 10.1% to 15%"},null,null,null,{"$f":"IF(ISBLANK(E125),\"\",E125/E134)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$99, Language!$A$99)","v":"Increase of 5.1% to 10%"},null,null,null,{"$f":"IF(ISBLANK(E126),\"\",E126/E134)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$100, Language!$A$100)","v":"Increase of 0.1% to 5%"},null,null,null,{"$f":"IF(ISBLANK(E127),\"\",E127/E134)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$101, Language!$A$101)","v":"NO CHANGE"},null,null,null,{"$f":"IF(ISBLANK(E128),\"\",E128/E134)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$102, Language!$A$102)","v":"Decrease of 0.1% to 5%"},null,null,null,{"$f":"IF(ISBLANK(E129),\"\",E129/E134)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$103, Language!$A$103)","v":"Decrease of 5.1% to 10%"},null,null,null,{"$f":"IF(ISBLANK(E130),\"\",E130/$E$134)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$104, Language!$A$104)","v":"Decrease of 10.1% to 15%"},null,null,null,{"$f":"IF(ISBLANK(E131),\"\",E131/$E$134)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$105, Language!$A$105)","v":"Decrease of 15.1% to 20%"},null,null,null,""]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$106, Language!$A$106)","v":"Decrease of more than 20.1%"},null,null,null,""]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$107, Language!$A$107)","v":"TOTAL"},null,null,{"$f":"SUM(E123:E133)","v":0},{"$f":"SUM(F123:F133)","v":0}]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$109, Language!$A$109)","v":"If there is dislocation greater than 10%, complete table(s) below:"}]
[null,{"$f":"A120","v":"Dislocation Before Capping"}]
[null,{"$f":"B122","v":"Range of Rate Change"},null,null,{"$f":"E121","v":"Table 1 Impact on Mandatory + Optional Coverages Combined"},null,null,{"$f":"B122","v":"Range of Rate Change"},null,null,{"$f":"E121","v":"Table 1 Impact on Mandatory + Optional Coverages Combined"}]
[null,null,null,null,{"$f":"E122","v":"Exposures"},{"$f":"F122","v":"% Affected"},null,null,null,null,{"$f":"E122","v":"Exposures"},{"$f":"F122","v":"% Affected"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$110, Language!$A$110)","v":"Increase of 19.1% to20%"},null,null,null,{"$f":"IF(ISBLANK(E141),\"\",$E141/$K$151)","v":""},null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$120, Language!$A$120)","v":"Increase of 29.1% to 30%"},null,null,null,{"$f":"IF(ISBLANK(K141),\"\",$K141/$K$151)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$111, Language!$A$111)","v":"Increase of 18.1% to 19%"},null,null,null,{"$f":"IF(ISBLANK(E142),\"\",$E142/$K$151)","v":""},null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$121, Language!$A$121)","v":"Increase of 28.1% to 29%"},null,null,null,{"$f":"IF(ISBLANK(K142),\"\",$K142/$K$151)","v":""}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$112, Language!$A$112)","v":"Increase of 17.1% to 18%"},null,null,null,"",null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$122, Language!$A$122)","v":"Increase of 27.1% to 28%"},null,null,null,""]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$113, Language!$A$113)","v":"Increase of 16.1% to 17%"},null,null,null,"",null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$123, Language!$A$123)","v":"Increase of 26.1% to 27%"},null,null,null,""]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$114, Language!$A$114)","v":"Increase of 15.1% to 16%"},null,null,null,"",null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$124, Language!$A$124)","v":"Increase of 25.1% to 26%"},null,null,null,""]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$115, Language!$A$115)","v":"Increase of 14.1 to 15%"},null,null,null,"",null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$125, Language!$A$125)","v":"Increase of 24.1 to 25%"},null,null,null,""]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$116, Language!$A$116)","v":"Increase of 13.1% to 14%"},null,null,null,"",null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$126, Language!$A$126)","v":"Increase of 23.1% to 24%"},null,null,null,""]
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[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$118, Language!$A$118)","v":"Increase of 11.1 to 12%"},null,null,null,"",null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$128, Language!$A$128)","v":"Increase of 21.1 to 22%"},null,null,null,""]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$119, Language!$A$119)","v":"Increase of 10.1 to 11%"},null,null,null,"",null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$129, Language!$A$129)","v":"Increase of 20.1-21%"},null,null,null,""]
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[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$132, Language!$A$132)","v":"Are there dependent vehicles?"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$133, Language!$A$133)","v":"If yes, complete information below:"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$134, Language!$A$134)","v":"Dependant Class (list all)"},null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$135, Language!$A$135)","v":"Coverages Affected"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$136, Language!$A$136)","v":"Rate Level Impact "}]
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[{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$60, Language!$A$60)","v":"Information on Previous RATE Filing"}]
[{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$61, Language!$A$61)","v":"Provide the following information on the previous RATE filing for this class of vehicle:"}]
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[null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$66, Language!$A$66)","v":"Current Average Premium"}]
[null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$67, Language!$A$67)","v":"Proposed Average Premium"}]
[null,{"$f":"IF($H$3 = 'Drop Down'!$A$5, Language!$B$68, Language!$A$68)","v":"Exposures"}]
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["CONFIDENTIAL SUMMARY SHEET"]
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["Proposal"]
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[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$150, Language!$A$150)","v":"Provide a complete description of the Purpose and scope of this filing.  Include specific identification of any changes including rules, discounts and surcharges."}]
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[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$151, Language!$A$151)","v":"Table 4 - Proposed Changes"},null,null,null,null,null,null,null,null,null,null,null,"Green Cells are dropdown (y/n) or input (%) "]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$152, Language!$A$152)","v":"Y/N"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$153, Language!$A$153)","v":"Description of proposed change(s)"},null,null,null,null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$154, Language!$A$154)","v":"Impact"}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$156, Language!$A$156)","v":"No Change"}]
[null,null,"Risk Classification:"]
[null,null,"Rate Change"]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$157, Language!$A$157)","v":"Base Rate Changes"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$158, Language!$A$158)","v":"NOT due to off balancing differential/discount changes. Uniform by territory"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$159, Language!$A$159)","v":"NOT due to off balancing differential/discount changes. NOT uniform by territory"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$160, Language!$A$160)","v":"Due to off balancing differential/discount changes. Uniform by territory"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$161, Language!$A$161)","v":"Due to off balancing differential/discount changes. NOT uniform by territory"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$162, Language!$A$162)","v":"Other:"}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$163, Language!$A$163)","v":"Differentials Changes"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$164, Language!$A$164)","v":"Classification"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$165, Language!$A$165)","v":"Limits of liability"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$166, Language!$A$166)","v":"Driving Record/Years Licensed differentials"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$167, Language!$A$167)","v":"Limit differentials"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$168, Language!$A$168)","v":"Deductible differentials"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$169, Language!$A$169)","v":"Territorial Differentials"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$170, Language!$A$170)","v":"Other:"}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$171, Language!$A$171)","v":"Algorithm Changes"}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$172, Language!$A$172)","v":"Rating and Underwriting Rule Changes"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$173, Language!$A$173)","v":"Amending rules"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$174, Language!$A$174)","v":"Adding Rules"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$175, Language!$A$175)","v":"Deleting Rules"}]
[null,null,"Discount/Surcharge Changes"]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$177, Language!$A$177)","v":"Amending rules"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$178, Language!$A$178)","v":"Adding Rules"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$179, Language!$A$179)","v":"Deleting Rules"}]
[null,null,"Definition Changes"]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$181, Language!$A$181)","v":"Territorial Definitions"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$182, Language!$A$182)","v":"Years licensed Definitions"}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$183, Language!$A$183)","v":"Endorsment Changes"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$184, Language!$A$184)","v":"Amending endorsment"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$185, Language!$A$185)","v":"Adding Endorsment"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$186, Language!$A$186)","v":"Deleting Endorsment"}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$187, Language!$A$187)","v":"IAO - Adopt Most recent Approved IAO Base Rates and Differentials Tables"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$188, Language!$A$188)","v":"IAO Rate Table currently being used (YEAR)"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$189, Language!$A$189)","v":"IAO Rate Table proposed (YEAR)"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$190, Language!$A$190)","v":"No deviation from IAO Rate Table"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$191, Language!$A$191)","v":"Rationale for adopting IAO Rate Table: Go to IAO Comparison cell D15 to complete"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$192, Language!$A$192)","v":"Deviation to IAO base rates only"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$193, Language!$A$193)","v":"Rationale for deviation: Go to IAO Comparison cell C20 to complete"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$194, Language!$A$194)","v":"Rate Group  Tables"}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$197, Language!$A$197)","v":"Current"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$195, Language!$A$195)","v":"Year of Table"},null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$196, Language!$A$196)","v":"Table being used"}]
[]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$198, Language!$A$198)","v":"Update Rate Group Table"}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$199, Language!$A$199)","v":"Proposed"},{"$f":"D83","v":"Year of Table"},null,{"$f":"F83","v":"Table being used"}]
[]
[]
[null,null,"Harmonization"]
[null,null,"Compliance - Rating Error Self reporting"]
[null,null,"Portfolio Transfer"]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$200, Language!$A$200)","v":"*Other (please specify)"}]
[]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$202, Language!$A$202)","v":"Rationale for the proposed changes if selection is different than the indicated change."}]
[]
["For Tables 5-12 below, complete rows 98-100:",null,null,null,null,null,"On what basis are the following tables completed:",null,null,null,null,null,"as of"]
["Notes"]
["What was used for the calculation? i.e. inforce"]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$203, Language!$A$203)","v":"Table 5 - Current Written Exposures "},null,null,null,null,"These numbers should reflect the book of business for :",null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!H5","v":{"$error":"#N/A"}},null,"ONLY"]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$204, Language!$A$204)","v":"Statistical Territory"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$205, Language!$A$205)","v":"Bodily Injury"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$206, Language!$A$206)","v":"Property Damage"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$207, Language!$A$207)","v":"Direct Comp - Property Damage"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$208, Language!$A$208)","v":"Accident Benefits"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$209, Language!$A$209)","v":"Uninsured Auto"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$210, Language!$A$210)","v":"Health Services Levy"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$211, Language!$A$211)","v":"Total Mandatory Coverage"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$212, Language!$A$212)","v":"Collision"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$213, Language!$A$213)","v":"Comprehensive"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$214, Language!$A$214)","v":"Specified Perils"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$215, Language!$A$215)","v":"All Perils"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$216, Language!$A$216)","v":"SEF 44"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$217, Language!$A$217)","v":"Total Optional Coverage"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$218, Language!$A$218)","v":"All Coverages Combined"}]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$219, Language!$A$219)","v":"Provincial "}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$220, Language!$A$220)","v":"An annual policy covering a single vehicle counts as one exposure while an annual policy covering two vehicles counts as two exposures. A semi-annual policy covering  one vehicle counts as 0.5 exposures while a semi-annual policy covering two policies counts as one exposure."}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$221, Language!$A$221)","v":"Table 6 - Current Average Written Premium at current rate level $"}]
[{"$f":"A104","v":"Statistical Territory"},{"$f":"B104","v":"Bodily Injury"},"Property Damage","Direct Comp - Property Damage","Accident Benefits","Uninsured Auto","Health Services Levy","Total Mandatory Coverage","Collision","Comprehensive","Specified Perils","All Perils","SEF 44","Total Optional Coverage",{"$f":"O104","v":"All Coverages Combined"}]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[{"$f":"A116","v":"Provincial "}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$222, Language!$A$222)","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":"B104","v":"Bodily Injury"},"Property Damage","Direct Comp - 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]
[{"$f":"A116","v":"Provincial "}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$223, Language!$A$223)","v":"Table 8 - Proposed Average Written Premium after capping  $  ** If there is no capping leave blank "}]
[{"$f":"A104","v":"Statistical Territory"},{"$f":"B104","v":"Bodily Injury"},"Property Damage","Direct Comp - 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]
[{"$f":"A116","v":"Provincial "}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$224, Language!$A$224)","v":"Table 9 - Indicated Average Written Premium $ "}]
[null,{"$f":"B104","v":"Bodily Injury"},{"$f":"C104","v":"Property Damage"},"Direct Comp - 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"]
[{"$f":"A116","v":"Provincial "}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$225, Language!$A$225)","v":"Table 10 - Indicated Percentage Change in Average Premium (+/-) %"}]
[null,{"$f":"B104","v":"Bodily Injury"},{"$f":"C104","v":"Property Damage"},"Direct Comp - Property Damage","Accident Benefits","Uninsured Auto","Health Services Levy","Total Mandatory Coverage","Collision","Comprehensive","Specified Perils","All Perils","SEF 44","Total Optional Coverage","All Coverages Combined"]
[{"$f":"A116","v":"Provincial "}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$226, Language!$A$226)","v":"Table 11 - Proposed Percentage change in Average Premium Before Capping (+/-) %"}]
[{"$f":"A150","v":"Statistical Territory"},{"$f":"B104","v":"Bodily Injury"},{"$f":"C104","v":"Property Damage"},"Direct Comp - 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]
[{"$f":"A116","v":"Provincial "}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$227, Language!$A$227)","v":"Table 12 - Proposed Percentage Change in Average Premium After Capping (+/-) %   ** If there is no capping leave blank"}]
[{"$f":"A104","v":"Statistical Territory"},{"$f":"B104","v":"Bodily Injury"},"Property Damage","Direct Comp - Property Damage","Accident Benefits","Uninsured Auto","Health Services Levy","Total Mandatory Coverage","Collision","Comprehensive","Specified Perils","All Perils","SEF 44","Total Optional Coverage","All Coverages Combined"]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[{"$f":"A116","v":"Provincial "}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$228, Language!$A$228)","v":"Territories"}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$229, Language!$A$229)","v":"Is your company rating policies using the 11 statistical territories? (Yes, No)"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$230, Language!$A$230)","v":"If no, how many rating territories is your company using? "},null,null,null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$231, Language!$A$231)","v":"<--- Enter the # of rating territories here, a macro will generate 4 tables at row"},null,null,null,null,null,690]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$232, Language!$A$232)","v":"If not rating policies using the 11 statistical territories, please fill in the tables below."}]
[]
["Please attach a map of rating territories to Sheet labelled \"Map of Rating Territories\""]
[]
["Please indicate source and date of  data for above tables"]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$236, Language!$A$236)","v":"Table 13 - Ultimate Incurred Losses ($000s) $"}]
[null,{"$f":"B104","v":"Bodily Injury"},"Property Damage","Direct Comp - 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"]
[{"$f":"A116","v":"Provincial "}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$237, Language!$A$237)","v":"* Ultimate incurred losses should be developed with LDFs but before trends."}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$238, Language!$A$238)","v":"Net Claims and Adjustments Expenses [12]\nNet claims and adjustment expenses are defined in the same way as in the P&C return page 20.30 row 10. These amounts are automatically calculated or derived in the following formula in the template:\n[12] = {[9] + [10] - [11]}\nThe resulting amounts aggregated across province must correspond to Annual P&C Return page 60.20 rows 11-13 column 11."}]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$242, Language!$A$242)","v":"Table 15 - Comprehensive Breakdown Loss"}]
[{"$f":"'Step 2 NBIB Confidential'!L75","v":0}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$243, Language!$A$243)","v":"Kind of Loss "},null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$244, Language!$A$244)","v":"Animal \nCollision"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$245, Language!$A$245)","v":"Glass"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$246, Language!$A$246)","v":"Theft"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$247, Language!$A$247)","v":"Fire"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$248, Language!$A$248)","v":"Other-Specify"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$249, Language!$A$249)","v":"Total"},null," "]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$250, Language!$A$250)","v":"% of all losses - Comp"}]
[]
[]
[]
[]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$251, Language!$A$251)","v":"Table 16 - Exposures and Premiums"},null,null,{"$f":"F103","v":"These numbers should reflect the book of business for :"},null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!H5","v":{"$error":"#N/A"}},null,{"$f":"L103","v":"ONLY"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$252, Language!$A$252)","v":"Exposures"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$253, Language!$A$253)","v":"Premiums"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$254, Language!$A$254)","v":"Average Premium"}]
[null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$255, Language!$A$255)","v":"Renewal Year"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B256, Language!$A256)","v":"In-force "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B257, Language!$A257)","v":"Written"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B258, Language!$A258)","v":"Earned "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B256, Language!$A256)","v":"In-force "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B257, Language!$A257)","v":"Written"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B258, Language!$A258)","v":"Earned "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B256, Language!$A256)","v":"In-force "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B257, Language!$A257)","v":"Written"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B258, Language!$A258)","v":"Earned "}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B259, Language!$A259)","v":"4th Prior Accident Year"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B260, Language!$A260)","v":"3rd Prior Accident Year"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B261, Language!$A261)","v":"2nd Prior Accident Year"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B262, Language!$A262)","v":"1st Prior Accident Year"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B263, Language!$A263)","v":"Current Accident Year"}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B264, Language!$A264)","v":"Span of Accident Year (e.g. Jan 1 to Dec 31)"},null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B267, Language!$A267)","v":"From"},null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B268, Language!$A268)","v":"To"}]
["Source of data",null,null,null,null,null,null,null,null,"If any cells in table 16 are left blank, provide reason here:"]
[null,null,{"$f":"C238","v":"Renewal Year"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B265, Language!$A265)","v":"% Changes in exposures"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B266, Language!$A266)","v":"% Change in average premium"}]
[null,null,null,{"$f":"D238","v":"In-force "},{"$f":"E238","v":"Written"},"Earned ","In-force ","Written","Earned ","Cell","Reason"]
[{"$f":"A239","v":"4th Prior Accident Year"}]
[{"$f":"A240","v":"3rd Prior Accident Year"}]
["2nd Prior Accident Year"]
["1st Prior Accident Year"]
["Current Accident Year"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$58, Language!$A$58)","v":"Actuarial Justification (Confidential)"}]
[]
["Rate Indications & Selections",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$269, Language!$A$269)","v":" Rate Indications and Selections"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$270, Language!$A$270)","v":"If the filing proposes a change in rate level without any change to classification, limit of liability, deductible or other rate differentials, then sections (a.) - (k.) must be completed. "}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$271, Language!$A$271)","v":"If the filing proposes to change classification, limit of liability, deductible, or other rate differentials without generating any overall rate level change, then only sections (l.) - (m.), as applicable,  need to be completed."}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$272, Language!$A$272)","v":"If the filing proposes a change in rate level plus a change in classification, limit of liability, deductible, or other rate differentails, then sections (a.)-(k.) and sections (l.)-(k.), as applicable, must be completed."}]
[]
["A",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$273, Language!$A$273)","v":"Overall Description of the Ratemaking Methodology and Summary"}]
[]
[null,"GLM"]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$5, Language!$A$5)","v":"YYYY-MM-DD"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$274, Language!$A$274)","v":"Is a Generalized Linear Modeling being used to develop rates"},null,null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$276, Language!$A$276)","v":"When was it introduced in NB filings?"},null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$277, Language!$A$277)","v":"Billing #"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$275, Language!$A$275)","v":"Is it being introduced with this filing?"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$278, Language!$A$278)","v":"Have there been any changes in GLM methodology since last time filed?"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$279, Language!$A$279)","v":"Details"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$280, Language!$A$280)","v":"If yes, provide details"}]
[]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$281, Language!$A$281)","v":"The following justification is required to be provided by insurers relying on a GLM approach to rate making"}]
[null,"a",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$282, Language!$A$282)","v":"Response variables:frequency and severity, loss cost, or other (specify)"}]
[null,"b",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$283, Language!$A$283)","v":"Indicator variables: accident year, territories, etc."}]
[null,"c",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$284, Language!$A$284)","v":"Link function: logarithmic, identity, or other (specify)"}]
[null,"d",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$285, Language!$A$285)","v":"Error function: Poisson, Normal, Gamma, Tweedie, or other (specify)"}]
[null,"e",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$286, Language!$A$286)","v":"Scale parameter"}]
[null,"f",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$287, Language!$A$287)","v":"Description of interaction modeling, if applicable"}]
[null,"g",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$288, Language!$A$288)","v":"Listing of statistical tests and graphs used to assess the global model performance as indicator variable performance"}]
[null,"h",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$289, Language!$A$289)","v":"Results of statistical tests for global model, as well as sample results of statistical tests for one f the indicator variables"}]
[null,"i",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$290, Language!$A$290)","v":"Were there changes in GLM methodology since the last time filed? If yes, what were the changes?"}]
[]
[]
[]
[]
[]
[]
[]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$291, Language!$A$291)","v":"Type of approach used"}]
[{"$f":"A288","v":"Details"}]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$293, Language!$A$293)","v":"Table 17 - Data Used Table"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$294, Language!$A$294)","v":"Data Used"},null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$295, Language!$A$295)","v":"As Of Date"},null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$296, Language!$A$296)","v":"Filing SubSection"}]
[null,{"$f":"B314","v":"Data Used"},null,null,null,null,{"$f":"G314","v":"As Of Date"},null,null,null,{"$f":"K314","v":"Filing SubSection"}]
[null,{"$f":"B314","v":"Data Used"},null,null,null,null,{"$f":"G314","v":"As Of Date"},null,null,null,{"$f":"K314","v":"Filing SubSection"}]
[]
[null,{"$f":"B314","v":"Data Used"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$297, Language!$A$297)","v":" The filing should include the most recent complete year of data that is available.  Should the filing rely on industry experience, we would expect any filing received after industry data is released to include the most recent industry data (i.e. assuming that industry data for the 2013 accident year is released on June 1, 2014 any filing made after that date should include 2013 accident year data)."}]
[{"$f":"A310","v":"Details"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$298, Language!$A$298)","v":"Table 18 - Weights Used Table"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$299, Language!$A$299)","v":"Insurers are requested to use weights consistent with the last filing presented to the Board.  If the weights used in the filing have changed, justification and rationale will be required."}]
[]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$300, Language!$A$300)","v":"Coverage"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!$B$301, Language!$A$301)","v":"Accident Year"}]
[null,null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B$302, Language!$A$302)","v":"Most Recent"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B$303, Language!$A$303)","v":"First Prior"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B$304, Language!$A$304)","v":"Second Prior"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B$305, Language!$A$305)","v":"Third Prior"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B$306, Language!$A$306)","v":"Fourth Prior"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B205, Language!$A$205)","v":"Bodily Injury"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B206, Language!$A$206)","v":"Property Damage"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B207, Language!$A$207)","v":"Direct Comp - Property Damage"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B208, Language!$A$208)","v":"Accident Benefits"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B209, Language!$A$209)","v":"Uninsured Auto"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B210, Language!$A$210)","v":"Health Services Levy"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B212, Language!$A$212)","v":"Collision"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B213, Language!$A$213)","v":"Comprehensive"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B214, Language!$A$214)","v":"Specified Perils"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B215, Language!$A$215)","v":"All Perils"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B216, Language!$A$216)","v":"SEF 44"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B307, Language!$A$307)","v":"Same as prior years?"},null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B308, Language!$A$308)","v":"If no, provide justification and rationale for change below:"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B309, Language!$A$309)","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A320","v":"Details"}]
[]
["B",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B310, Language!$A$310)","v":"Losses"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B311, Language!$A$311)","v":"Are losses considered together with ALAE?"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B312, Language!$A$312)","v":"Describe the type of loss data"}]
[null,{"$f":"G324","v":"Accident Year"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B313, Language!$A$313)","v":"Policy year"},null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B314, Language!$A$314)","v":"Other"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B315, Language!$A$315)","v":"If using a type of loss data other than accident or policy year, please provide justification."}]
[{"$f":"A341","v":"Details"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B316, Language!$A$316)","v":"The experience period and the respective valuation dates should also be noted.   The source of the data should be clearly noted (e.g., company internal data, company data as reported by IBC).  "}]
[{"$f":"A341","v":"Details"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B317, Language!$A$317)","v":"Table 19 - Loss Experience/Source Table"}]
[]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B318, Language!$A$318)","v":"Loss Development"},null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B319, Language!$A$319)","v":"Loss Trends"}]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B320, Language!$A$320)","v":"Company"},null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B321, Language!$A$321)","v":"Industry"},null,{"$f":"D355","v":"Company"},null,{"$f":"F355","v":"Industry"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B322, Language!$A$322)","v":"Data being relied on?"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B323, Language!$A$323)","v":"Experience Period"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B324, Language!$A$324)","v":"Valuation Dates"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B325, Language!$A$325)","v":"Source of Data"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B326, Language!$A$326)","v":" Loss data are gross or net of salvage and subrogation"}]
["B.1",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B327, Language!$A$327)","v":"Projection of Losses to Ultimate"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B328, Language!$A$328)","v":" The specific loss projection method used in the filing should be outlined and the details of the calculations should be disclosed in this subsection.  All judgments associated with the process of loss development should be disclosed in detail and supported (e.g., the selection of loss development factors).  "}]
[{"$f":"A351","v":"Details"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B329, Language!$A$329)","v":"Projection of losses to ultimate should be based on the insurer's own data to the extent possible.   At a minimum, the history of unadjusted company loss development data valued at 12-month intervals should be provided (so-called \"triangles\" of loss valuations at various stages of development). If a partial accident year is used, then comparable experience at the same level of maturity must be provided to support the selected factors.   "}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B330, Language!$A$330)","v":"Are the sections of the Report of Appointed Actuary included, which contains the New Brunswick information pertinent to this filing on an undiscounted basis? For example, if the New Brunswick Bodily Injury data is included as part of the Atlantic Canada Bodily Injury line of business in the Report of Appointed Actuary; provide the Atlantic Canada Bodily Injury section of the Report of Actuary."}]
[{"$f":"A364","v":"Details"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B331, Language!$A$331)","v":" If credibility procedures are used in loss development, the selection of the credibility criterion should be disclosed.  The application of the credibility standard should be presented, and the complement of credibility should be disclosed and supported."}]
[{"$f":"A364","v":"Details"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B332, Language!$A$332)","v":"The general approach to estimating loss trend can be expected to remain reasonably constant over the years for an insurer "}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B333, Language!$A$333)","v":"Has the  general approach to loss development remained reasonably constant over the years for the insurer?   "}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B334, Language!$A$334)","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? If yes,details should be disclosed and supported."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B335, Language!$A$335)","v":"Has there been any changes in either the approach or the underlying data from the prior rate filing? If yes, details must be disclosed and supported. "}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B336, Language!$A$336)","v":"For sensitivity purposes, a rate change derived using the previous methodology must be provided. Please indicate if this sensitivity analysis has been provided."}]
[{"$f":"A364","v":"Details"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B337, Language!$A$337)","v":"Table 20 - Loss Development Factors Table"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B338, Language!$A$338)","v":"Coverage"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B339, Language!$A$339)","v":"Current "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B340, Language!$A$340)","v":"Prior "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B341, Language!$A$341)","v":"2nd Prior "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B342, Language!$A$342)","v":"3rd Prior "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B343, Language!$A$343)","v":"4th Prior "}]
[null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B344, Language!$A$344)","v":"Loss Development Factors"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B345, Language!$A$345)","v":"Bodily Injury"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B346, Language!$A$346)","v":"Property Damage"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B347, Language!$A$347)","v":"Direct Comp- Property Damage"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B348, Language!$A$348)","v":"Accident Benefits"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B349, Language!$A$349)","v":"Funeral"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B350, Language!$A$350)","v":"Death"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B351, Language!$A$351)","v":"Medical"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B352, Language!$A$352)","v":"Disability"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B353, Language!$A$353)","v":"Uninsured"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B354, Language!$A$354)","v":"Collision"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B355, Language!$A$355)","v":"Comprehensive"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B356, Language!$A$356)","v":"Specified Perils"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B357, Language!$A$357)","v":"All Perils"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B358, Language!$A$358)","v":"SEF 44"}]
[]
[]
["B.2",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B359, Language!$A$359)","v":"Loss Trends"}]
[{"$f":"A378","v":"Details"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B360, Language!$A$360)","v":" The specific loss trend approach used should be outlined and the details of the calculations should be disclosed in this subsection.  All judgments associated with the process of loss trend should be disclosed in detail and supported."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B361, Language!$A$361)","v":" Loss trends are usually based on New Brunswick industry–wide experience for each class of insurance and coverage to the extent possible.  To the extent credible, loss trends based on the insurer’s own experience may also be useful to reflect the dynamics of the insurer’s business.   All data used in the process of estimating annual loss trend must be exhibited, at least in summary form, and labeled (e.g., are losses paid or incurred, developed or undeveloped). "}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B362, Language!$A$362)","v":"Was data other than the company's own data relied upon?"}]
[{"$f":"A400","v":"Details"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B363, Language!$A$363)","v":" Has there been a change to the general approach to estimating loss trend ?    "}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B364, Language!$A$364)","v":"Any changes in either the approach or the underlying data from the prior rate filing should be disclosed and supported. "}]
[{"$f":"A400","v":"Details"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B365, Language!$A$365)","v":"For sensitivity purposes, a rate change derived using the previous methodology must be provided. Please indicate if this sensitivity analysis has been provided."}]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B366, Language!$A$366)","v":"Table 21 - Annual Trends Table"}]
[null,null,null,{"$f":"B383","v":"Bodily Injury"},{"$f":"B384","v":"Property Damage"},{"$f":"B385","v":"Direct Comp- Property Damage"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B367, Language!$A$367)","v":"Third Party Liability"},{"$f":"B386","v":"Accident Benefits"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B368, Language!$A$368)","v":"Uninsured Auto"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B369, Language!$A$369)","v":"Health Services Levy"},{"$f":"B392","v":"Collision"},{"$f":"B393","v":"Comprehensive"},{"$f":"B394","v":"Specified Perils"},{"$f":"B395","v":"All Perils"},{"$f":"B396","v":"SEF 44"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B370, Language!$A$370)","v":"Historical Loss Cost Trend"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B371, Language!$A$371)","v":"Future Loss Cost Trend"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B372, Language!$A$372)","v":"Historical Frequency Trend"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B373, Language!$A$373)","v":"Future Frequency Trend"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B374, Language!$A$374)","v":"Historical Severity Trend"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B375, Language!$A$375)","v":"Future Severity Trend"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B376, Language!$A$376)","v":"Premium Trend"}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B377, Language!$A$377)","v":"Table 22 Loss Trends Source Table"},"Data"]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B378, Language!$A$378)","v":"Source of Data:"},null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B379, Language!$A$379)","v":"As of Date"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B380, Language!$A$380)","v":"IAO Analysis used"},null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B381, Language!$A$381)","v":"If yes, Specify which analysis was adopted"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B382, Language!$A$382)","v":"What date has been used to distinguish between past and future trend?"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B383, Language!$A$383)","v":"Provided the date to which past trend is applied."}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B384, Language!$A$384)","v":"Provide the date to which the future trend is applied."}]
[]
["B.3",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B385, Language!$A$385)","v":"Treatment of Large Losses"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B386, Language!$A$386)","v":"The filing should clearly indicate how large losses in the experience period have been handled.  If losses have been capped, the number of such losses and the effects of the caps must be demonstrated.  The insurer should ensure that large losses do not cause significant instability in the rates from one period to the next."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B387, Language!$A$387)","v":"Are Large Losses capped?"},null,null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B388, Language!$A$388)","v":"At what amount?"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B389, Language!$A$389)","v":"The large loss treatment can be expected to remain reasonably constant over the years for an insurer.  Any changes in either the approach or the underlying data from the prior rate filings must be disclosed and supported.  For sensitivity purposes, a rate change derived using the previous methodology must be provided."}]
[]
["B.4",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B390, Language!$A$390)","v":"CAT Loading"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B391, Language!$A$391)","v":" The specific catastrophe procedure used should be outlined and the details of the calculations should be disclosed and supported.  All judgments associated with the process of calculating the catastrophe provision should be disclosed in detail and supported."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B392, Language!$A$392)","v":"The catastrophe treatment can be expected to remain reasonably constant over the years for an insurer.  Any changes in either the approach or the underlying data from the prior rate filing must be disclosed and supported.  For sensitivity purposes, a rate change derived using the previous methodology must be provided"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B390, Language!$A$390)","v":"CAT Loading"},null,null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B393, Language!$A$393)","v":"Amount"}]
[]
["B.5",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B394, Language!$A$394)","v":"Other Adjustments -  For example, the filing must clearly indicate the approach taken to account for the impact of product changes such as the July 2013 changes to the MIR."}]
[null,null,"MIR"]
[null,null,{"$f":"Language!A162","v":"Other:"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B396, Language!$A$396)","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A400","v":"Details"}]
[]
["C",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B397, Language!$A$397)","v":"Allocated Loss Adjustment Expenses (ALAE)"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B398, Language!$A$398)","v":"Are allocated loss adjustment expenses included with incurred losses?"}]
[null,{"$f":"B448","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A449","v":"Details"}]
["D",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B399, Language!$A$399)","v":"Unallocated Loss Adjustment Expenses (ULAE)"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B400, Language!$A$400)","v":" The specific ULAE approach used should be outlined and details of the calculations should be disclosed and supported.  All judgments associated with the estimation of ULAE should be disclosed in detail and supported."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B401, Language!$A$401)","v":" The estimate of ULAE should make use of the insurer's own data for each class of insurance and coverage to the extent possible.  "}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B402, Language!$A$402)","v":" Has there been a change to the general approach to estimating ULAE?    "}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B403, Language!$A$403)","v":"The ULAE approach can be expected to remain reasonably constant over the years for an insurer.  Any changes in either the approach or the underlying data from the prior rate filing must be disclosed and supported.  For sensitivity purposes, a rate change derived using the previous methodology must be provided."}]
[null,{"$f":"B448","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A449","v":"Details"}]
["E",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B404, Language!$A$404)","v":"Premium"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B405, Language!$A$405)","v":" Disclose the premium data, the experience period and the source of the premium data.  Direct premiums (i.e., prior to any reinsurance transactions) should be the basis for ratemaking and must not be reduced by the insurer’s cessions to the Risk Sharing Pool. Direct premiums must not include premiums for the Facility Association Residual Market risk business. "}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B406, Language!$A$406)","v":"Experience Period"},null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B407, Language!$A$407)","v":"Source of Premium Data"}]
[]
["E.1",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B408, Language!$A$408)","v":"On Level Adjustment"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B409, Language!$A$409)","v":" All premiums used in the filing must be adjusted for all rate changes previously approved by the NBIB. If using a  loss ratio approach to ratemaking, earned premium must be adjusted to the level of the present rates by using an appropriate on-level procedure.  Display both the unadjusted and the adjusted premiums should be displayed."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B410, Language!$A$410)","v":" Are  on-level adjustments  made by means of a factor approach (e.g., parallelogram)? "}]
[null,"Are on-level adjustments made by means of calculating premiums at present rates through computer re-rating of policies (i.e. extension of exposures)? If yes, a description of the process should be provided with a comparision of the results obtained using the parallelogram method.  Any significant difference should be explained."]
[{"$f":"A463","v":"Details"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"For Reference Only"]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B412, Language!$A$412)","v":"Table 23 Prior Filings Table"}," The insurer's history of rate changes for each coverage for the prior five years should becompleted in worksheet Table 20. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"RFG - 1 Major Rate Filing","Dépôt majeur de demande de tarification RGF-1","RFG-1"]
[{"$f":"'Start Here NBIB Cover Sheet'!E1","v":"Billing Number:"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RFG - 2  IAO Rate Filing ","Dépôt de demande de tarification d'IAO RFG-2","RFG-2"]
["Type of Filing",null,"RFG",null,null,null,null,null,null,null,null,null,null,null,null,"RFG - 7 Simplified Rate Filing","Dépôt de demande de tarification simplifié RFG-7","RFG-7"]
[null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B413, Language!$A$413)","v":"Prior Filing"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B414, Language!$A$414)","v":"2nd Prior Filing"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B415, Language!$A$415)","v":"3rd Prior Filing"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B416, Language!$A$416)","v":"4th Prior Filing"},null,null,"RFG - 8 Minor Rate Filing ","Dépôt mineur de demande de tarification RFG-8","RFG-8"]
[{"$f":"'Start Here NBIB Cover Sheet'!J4","v":"Date of Filing:"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Initial Filing","Dépôt initial","Initial"]
[{"$f":"Language!A16","v":"New Business"}]
[{"$f":"Language!A18","v":"Renewal Business"}]
[{"$f":"D324","v":"Coverage"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B417, Language!$A$417)","v":"Indicated"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B418, Language!$A$418)","v":"Selected"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B419, Language!$A$419)","v":"Board Approved"},{"$f":"D482","v":"Indicated"},{"$f":"E482","v":"Selected"},{"$f":"F482","v":"Board Approved"},{"$f":"D482","v":"Indicated"},{"$f":"E482","v":"Selected"},{"$f":"F482","v":"Board Approved"},{"$f":"D482","v":"Indicated"},{"$f":"E482","v":"Selected"},{"$f":"F482","v":"Board Approved"}]
[{"$f":"D326","v":"Bodily Injury"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"If any cells in table 23 are left blank, provide reason here:"]
[{"$f":"D327","v":"Property Damage"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cell","Reason"]
["Direct Comp - Property Damage"]
["Accident Benefits"]
[{"$f":"D330","v":"Uninsured Auto"}]
[{"$f":"D331","v":"Health Services Levy"}]
[{"$f":"H104","v":"Total Mandatory Coverage"}]
[{"$f":"D332","v":"Collision"}]
[{"$f":"D333","v":"Comprehensive"}]
["Specified Perils"]
["All Perils"]
["SEF 44"]
[{"$f":"N104","v":"Total Optional Coverage"}]
[]
[{"$f":"O104","v":"All Coverages Combined"}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B420, Language!$A$420)","v":"* Last five approved rate level changes excluding updates to rate group tables"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B421, Language!$A$421)","v":"State the average cumulative rate change that occurred within the 12 months before the proposed rate change is expected to be effective for renewal business, based on all coverages combined."}]
[]
["E.2",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B422, Language!$A$422)","v":"Premium Trend"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B423, Language!$A$423)","v":" Premium trend should be considered for coverages with inflation-sensitive exposure bases or for coverages where a changing mix of exposures may result in a corresponding change in premium income to the insurer.  The changing mix of exposures with respect to the makes and models of cars for physical damage coverages is an example of a change in mix of exposures which could produce premium trend.  (Under CLEAR [Canadian Loss Experience Automobile Rating], premium trend is already accounted for in the development of the rate groups.)"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B424, Language!$A$424)","v":"Is there a consideration for Premium Trend included in this filing?"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B425, Language!$A$425)","v":"The specific premium trend approach used in the filing should be outlined and details of the calculations should be disclosed and supported.  All judgments associated with the process of premium trend should be disclosed in detail and supported."}]
[{"$f":"A463","v":"Details"}]
["E.3",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B394, Language!$A$394)","v":"Other Adjustments -  For example, the filing must clearly indicate the approach taken to account for the impact of product changes such as the July 2013 changes to the MIR."}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B426, Language!$A$426)","v":"Are there any other adjustments to the premium ?  "}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B427, Language!$A$427)","v":"If yes, it should be disclosed, documented, and supported in this subsection."}]
[null,{"$f":"B448","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A506","v":"Details"}]
["F",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B428, Language!$A$428)","v":"Other Expenses"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B429, Language!$A$429)","v":" Other expenses (i.e., non-claims related expenses) should be divided between exposure variable (fixed) and premium variable (variable) expenses in a manner that is consistent with the way the insurer conducts its business, the manner in which expenses are incurred, and the type of unit insured.  The details of this segregation of expenses should be disclosed and documented.  "}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B430, Language!$A$430)","v":" For the latest year, the allocation of expenses to the class of insurance filed should also be reported.  "}]
[]
[{"$f":"A506","v":"Details"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B431, Language!$A$431)","v":"Is there an expense provision established in respect of the Facility Association Residual Market?   "}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B432, Language!$A$432)","v":"Is the Risk Sharing Pool treated as direct business and therefore reflected in the direct loss and premium data."}]
[{"$f":"A506","v":"Details"}]
["F.1",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B433, Language!$A$433)","v":"Exposure Variable Expenses (Fixed)"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B434, Language!$A$434)","v":" Are there some expenses that are expected to vary in relationship to the number of units insured (exposures) rather than in relationship to the premium volume?"},null,null,null,null,null,null,null,null,null,null,"%"]
[{"$f":"A506","v":"Details"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B435, Language!$A$435)","v":"The specific approach to estimating exposure variable expenses used in the filing should be outlined and details of the calculations should be disclosed.  All judgments associated with the process of estimating exposure variable expenses should be disclosed in detail and supported."}]
[]
["F.2",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B436, Language!$A$436)","v":"Premium Variable Expenses (Variable)"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B437, Language!$A$437)","v":" Are there some expenses that are expected to vary in relationship to the premium volume rather than in relationship to the number of units insured?"},null,null,null,null,null,null,null,null,null,null,"%"]
[{"$f":"A506","v":"Details"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B438, Language!$A$438)","v":" The specific approach to estimating premium variable expenses used in the filing should be outlined and details of the calculations should be disclosed.  All judgments associated with the process of estimating premium variable expenses should be disclosed in detail and supported."}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B439, Language!$A$439)","v":"Table 24 - Expense Table"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B440, Language!$A$440)","v":"Regular Commission "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B441, Language!$A$441)","v":"Contingent Commission"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B442, Language!$A$442)","v":"Premium Taxes"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B443, Language!$A$443)","v":"Other General Expenses (Excluding Health Services Levy)"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B444, Language!$A$444)","v":"ULAE as % of Premiums"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B445, Language!$A$445)","v":"Total Expenses (Excluding Health Services Levy) as % of Premium"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B446, Language!$A$446)","v":"Health Services Levy as % of TPL and AB Premiums"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B447, Language!$A$447)","v":"Reinsurance Charges"},"If any cells in table 24 are left blank, provide reason here:"]
[]
[]
[null,{"$f":"B511","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A531","v":"Details"}]
["G",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B448, Language!$A$448)","v":"Profit Provision"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B450, Language!$A$450)","v":"Insurers should show their target return on equity and the target underwriting profit provision to be used in the ratemaking process.  The filing should show the conversion in sufficient detail to permit the reviewer to follow the entire process."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B451, Language!$A$451)","v":" The specific approach to determining the target underwriting profit provision underlying the rates in the filing should be outlined and the details of the calculations should be disclosed and supported.  All judgments associated with the process of calculating the profit provision, should be disclosed and supported."}]
[]
[{"$f":"A540","v":"Details"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B452, Language!$A$452)","v":" All data used in the process of selecting the target underwriting profit provision and return on equity must be exhibited and labeled.  At a minimum, the payout pattern (for each coverage and sub-coverage) expected to apply to the losses and expenses should be disclosed and supported."}]
[{"$f":"A531","v":"Details"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B454, Language!$A$454)","v":"Has there been any change in either the approach or the underlying data from the prior rate filing? If yes, provide support"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B453, Language!$A$453)","v":"Indication using prior methodology"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B455, Language!$A$455)","v":"Has there been any change in the methodology to calculate any of the following from the prior rate filing? If yes, provide indication using previous methodology"}]
[null,"a.)",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B456, Language!$A$456)","v":" expense ratios"}]
[null,"b.)",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B457, Language!$A$457)","v":" profit allowance"}]
[null,"c.)",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B458, Language!$A$458)","v":" permissible claim ratio"}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B459, Language!$A$459)","v":"Table 25 - Profit Tables"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B460, Language!$A$460)","v":"Target Return on Equity Current Filing"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B461, Language!$A$461)","v":"Discount Rate - Policyholders Fund"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B462, Language!$A$462)","v":"Discount Rate - Stockholder Fund (Equity)"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B463, Language!$A$463)","v":"Premium to Surplus Ratio"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B464, Language!$A$464)","v":"Income Tax Rate"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B465, Language!$A$465)","v":"Permissible Loss Ratio"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B466, Language!$A$466)","v":"ROE Implied by Selected Rate Change Current Filing"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B467, Language!$A$467)","v":"Expected U/W Profit"},{"$f":"Language!A468","v":"Target Return on Premium "},{"$f":"Language!A470","v":"ROP Implied by Selected Rate Change"},"If any cells in table 25 are left blank, provide reason here:"]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B471, Language!$A$471)","v":"Table 26 - Prior ROE/ROP  Tables"}]
[null,null,null,null,{"$f":"D478","v":"Prior Filing"},{"$f":"G478","v":"2nd Prior Filing"},{"$f":"J478","v":"3rd Prior Filing"},{"$f":"M478","v":"4th Prior Filing"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B473, Language!$A$473)","v":"5th Prior \nFiling"}," If any cells in table 26 are left blank, provide reason here:"]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B472, Language!$A$472)","v":"Target ROE Underlying Indications"}]
[null,{"$f":"H556","v":"ROE Implied by Selected Rate Change Current Filing"}]
[null,"Target Return on Premium Underlying Indications"]
[null,"ROP Implied by Selected Rate Change\n Current Filing"]
[]
[null,{"$f":"B539","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A546","v":"Details"}]
["H",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B474, Language!$A$474)","v":"Credibility"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B475, Language!$A$475)","v":"Is the New Brunswick experience of the insurer of sufficient volume to produce stable overall province-wide rate level indications that are actuarially credible?  If not, credibility procedures can be useful as a means of augmenting the insurer's New Brunswick data. Please provide details."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B476, Language!$A$476)","v":" The standard for 100% credibility and the formula for calculating partial credibility should be disclosed and supported.  "}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B477, Language!$A$477)","v":" The data source used as the ballast to which the complement of credibility applies should be disclosed and supported."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B478, Language!$A$478)","v":"Has the approach to credibility remained reasonably constant over the years? "}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B479, Language!$A$479)","v":" Are there any changes from the prior rate filing in the credibility standard or procedure? If yes, they should be disclosed and supported. "}]
[null,{"$f":"B566","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A567","v":"Details"}]
["I",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B480, Language!$A$480)","v":"Other Adjustments"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B481, Language!$A$481)","v":" Has any other adjustments been made to the data which affect expected premium or losses?"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B482, Language!$A$482)","v":" If yes,  must be quantified and their effect on the rates must be disclosed and supported in this section."}]
[null,{"$f":"B566","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A567","v":"Details"}]
["J",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B483, Language!$A$483)","v":"Summary Rate Level Indications"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B484, Language!$A$484)","v":" Summary sheets must be provided showing how the data combines with the adjustments and provisions outlined in subsections (b.) - (i.).  The insurer may use forms that are relevant to its particular situation.  The indicated rate change should be based on at least three consecutive years of the most recent actual experience.  An appropriate weight should be applied to each year based on actuarial judgement.  If these weights are different from the insurer's prior filing, the change must be disclosed, explained, and supported."}]
[]
[]
[null,{"$f":"B566","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A567","v":"Details"}]
["K",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B485, Language!$A$485)","v":"Territorial Indications"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B486, Language!$A$486)","v":" If a company chooses to deviate from the existing 11 territorial boundaries, they must continue to use these new territorial boundaries for a minimum of three (3) years."}]
[]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B487, Language!$A$487)","v":" All territories must be of consistent geographic areas that are contiguous i.e., have a common boundary.  Territories are intended to measure risk characteristics such as road conditions, vehicle density, speed limits, crime rates, and terrain and weather conditions.  There must be some common underlying characteristics in defining the territory, and therefore it is logical that a territory should be comprised of contiguous geographical areas.  A single common point is not considered contiguous."}]
[]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B488, Language!$A$488)","v":" In establishing territorial rates, large claims should be capped.  So that large claims do not distort the underlying analysis of loss costs, and to avoid rate instability, large claims should be capped, subject to actuarial considerations."}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B489, Language!$A$489)","v":"If applicable, please provide details"}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B490, Language!$A$490)","v":"Compliant with all of above?"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B491, Language!$A$491)","v":"Are territories definied the same as the eleven (11) in the statistical plan? If no, show current rate, proposed rate and the rate change for each of its actual pricing territories in addition to the existing eleven territories defined by the statistical plan in each rating profile."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B492, Language!$A$492)","v":"Is a common territorial definition used for all coverages? While data should be examined separately by major coverages, there should be a common territorial definition that the insurer uses for all coverages.    "}]
[]
[{"$f":"A583","v":"Details"}]
["K.1",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B493, Language!$A$493)","v":"Indicated Differentials"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B494, Language!$A$494)","v":" Territorial indications should be calculated by making use of the insurer's own data.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of its applicability in the instant circumstance.  All data used in the process of developing territorial indications must be exhibited and labeled."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B495, Language!$A$495)","v":" A comparison of current indicated, and proposed territorial differentials must be provided for each coverage for which rates are changing by territory.  Included in this should be the written premium distribution and the exposure distribution by coverage, by territory."}]
[]
["K.2",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B496, Language!$A$496)","v":"Off-balance"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B497, Language!$A$497)","v":" The aggregate premium may be increased or decreased through the introduction of new territorial rates or rate differentials or by changes to existing ones.  The filing must account for these changes through the use of off-balance procedures or by accounting for the premium change in its rate level. In the event that the change in territorial differentials is not off-balanced and instead a rate level change is generated, subsections (a.) - (j.) must also be completed."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B498, Language!$A$498)","v":" All data used in the process of calculating the off-balance must be exhibited and labeled.  The calculation of the off-balance amount must be shown.  All judgments associated with the process of calculating the off-balance should be disclosed and supported."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B499, Language!$A$499)","v":" Off-balance calculations should be based on the insurer's own distributions of business by classification, limit of liability, deductible, or other rate differential.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of its applicability in the instant circumstance.   "}]
[]
[null,{"$f":"B588","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A578","v":"Details"}]
["L",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B500, Language!$A$500)","v":"Classification/Limit of Liability/Deductible or other rate differential Indications"}]
["L.1",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B501, Language!$A$501)","v":"Indicated Differentials"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B502, Language!$A$502)","v":"If the insurer is requesting changes in classification differentials, limit of liability differentials, deductible differentials, or other rate differentials, the rate making process must be outlined in detail."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B503, Language!$A$503)","v":"Classification, limit of liability, deductible and other rate differential indications should make use of the insurer's own data.  Should the insurer find it necessary to rely on outside data or a different source of company data, the filing must identify the source of the data and provide an explanation of its applicability in the instant circumstance.  All data used in the process of developing classification, limit of liability, deductible, or other rate differential indications must be exhibited and labelled."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B504, Language!$A$504)","v":"A comparison of current, indicated and proposed differentials must be provided for each coverage for which classification, limit of liability, deductible, or other rate differentials are changing.  Included in this should be the written premium distribution and the exposure distribution by classification, limit of liability, deductible or other rate differential."}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B505, Language!$A$505)","v":"If credibility procedures are used, they must be disclosed in the same detail as outlined in subsection (H)"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B506, Language!$A$506)","v":"Has the general approach to calculating rate differentials remained reasonably constant over the years? Any change in either the approach or the underlying data fro the prior rate filing should be disclosed and supported.The insurer should test for and avoid reversals in its proposed differentials."}]
[]
["L.2",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B507, Language!$A$507)","v":"Off-Balance"}]
[]
[]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B509, Language!$A$509)","v":"All data used in the process of calculating the off-balance must be exhibited and ladled.  The calculation of each off-balance must be shown.  All judgements associated with the process of calculating the off-balance should be disclosed and supported."}]
[]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B510, Language!$A$510)","v":"Off-balance calculations should be based on the insurer's own distributions of business by classification, limit of liability, deductible, or other rate differential.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of it applicability in the instant circumstances."}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B511, Language!$A$511)","v":"Has the general approach to calculating the off-balance remained reasonably constant over the years?  Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported."}]
[]
[null,{"$f":"B618","v":"Please refer reader below to the appropriate section(s) of the actuarial narrative and exhibits for this section"}]
[{"$f":"A619","v":"Details"}]
["M",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B512, Language!$A$512)","v":"Discounts/Surcharges"}]
["M.1",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B513, Language!$A$513)","v":"Indicated Discounts or Surcharges"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B514, Language!$A$514)","v":" The ratemaking process must be outlined in detail where an insurer proposes to introduce or make changes "}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B515, Language!$A$515)","v":" A discount or a surcharge based on group membership could be based on lower (higher) loss costs based on (un) favourable experience, or identifiable characteristics of a group that would result in lower or higher loss exposure. "}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B516, Language!$A$516)","v":" Insurers should maintain separate premium and loss statistics to support a discount or surcharge based on group membership.  The basis of the discount or surcharge should be defined in sufficient detail so that naming individual organizations is not necessary.  Insurers are not expected to develop a unique discount or surcharge for a specific group unless such a group is of sufficient size that its own experience supports such a discount or surcharge.  Support for discounts and surcharges must be actuarially credible and therefore only in the instance of large groups would a unique discount or surcharge be appropriate.  In the case where more than one discount or surcharge is proposed, (e.g., variation of discounts or surcharges based on types of groups), a list of groups and discounts or surcharges applicable is required to be submitted with the filing, as well as on a periodic basis."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B517, Language!$A$517)","v":" The insurer's own loss data should be used to the extent possible.  If the insurer finds it necessary to rely on outside data or a different source of company data, the insurer must identify the source of the data and provide an explanation of its applicability.  All data used in the process of developing the indicated discounts or surcharges based on group membership should be exhibited and labelled.  "}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B518, Language!$A$518)","v":" A comparison of current, indicated and proposed discounts or surcharges must be provided for each coverage when a change is proposed. Included in this should be the written premium distribution and the exposure distribution by discounts or schedule of rates."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B519, Language!$A$519)","v":"Has the general approach to calculating discounts or surcharges based on group membership remained reasonably constant? Any change in either the approach or the underlying data from the prior rate filing should be disclosed and supported."}]
[]
["M.2",{"$f":"B630","v":"Off-Balance"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B520, Language!$A$520)","v":" The aggregate premium may be increased or decreased through the introduction of new discounts or surcharge, or by changes to existing ones.  The filing must account for these changes through the use of off-balance procedures or by accounting for the premium change in its rate level.  In the event that the change in discount or surcharge is not off-balanced and instead a rate level change is generated, subsections (a.) - (j.) must also be completed."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B521, Language!$A$521)","v":"If there are attachments to support this section please indicate the numbering of Exhibits"}]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B522, Language!$A$522)","v":" All data used in the process of calculating the off-balance must be exhibited and labelled.  The calculation of each off-balance must be shown.  All judgments associated with the process of calculating the off-balance should be disclosed and supported."}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B523, Language!$A$523)","v":" Off-balance calculations should be based on the insurer's own distribution of business for group discounts or surcharges.  Should the insurer find it necessary to rely on outside data or a different source of internal data, the filing must identify the source of the data and provide an explanation of its applicability in the circumstances. "}]
[]
[null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B524, Language!$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."}]
[]
["N","Rating Based on Group Membership"]
["N.1","Indicated Discounts or Rates for Groups"]
[null,"Are group discounts offered?"]

{"sheet":"Approval 1,8 B","index":11,"n_rows":41,"n_cols":14,"rows_kept":41,"cut":false,"hidden":true,"merged":[[6,9,6,13],[6,1,6,6],[2,0,2,6],[21,4,21,5],[13,1,13,4],[20,0,20,5],[15,3,15,5],[12,1,12,6],[11,1,11,6],[12,9,12,13],[11,9,11,13],[15,0,15,2],[14,0,14,2],[16,8,16,10],[13,9,13,12],[14,8,14,10],[15,8,15,10],[18,11,18,12],[16,12,16,13],[15,11,15,12],[40,0,40,6],[17,3,17,5],[18,3,18,5],[17,11,17,12],[35,2,35,3],[35,4,35,5],[35,9,35,10],[23,8,34,13],[23,0,34,6]]}
[]
[]
["Avis : Mise en application de tarifs ",null,null,null,null,null,null,null,"Notification: Release of Rates "]
[]
["ENVOYER PAR COURRIEL",null,null,null,null,null,null,null,"SENT BY EMAIL"]
[]
["À :",{"$f":"VLOOKUP(J7,'Drop Down'!A47:B95,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,"To:",{"$f":"'Start Here NBIB Cover Sheet'!C4","v":0}]
["Attention:",{"$f":"J8","v":0},null,null,null,null,null,null,"Attention:",{"$f":"'Start Here NBIB Cover Sheet'!D17","v":0}]
[null,{"$f":"J9","v":0},null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D18","v":0}]
["Courriel",{"$f":"J10","v":0},null,null,null,null,null,null,"Email:",{"$f":"'Start Here NBIB Cover Sheet'!D20","v":0}]
[]
["Objet:",{"$f":"VLOOKUP(J12,'Drop Down'!A8:C18,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,"Re:",{"$f":"'Start Here NBIB Cover Sheet'!D7","v":0}]
[null,{"$f":"VLOOKUP(J13,'Drop Down'!A24:B45,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D8","v":0}]
[]
["Référence CANB : ",null,null,{"$f":"L15","v":0},null,null,null,null,"Billing Number:",null,null,{"$f":"'Start Here NBIB Cover Sheet'!H1","v":0}]
["Déposé le :",null,null,{"$f":"L16","v":"00:00:00"},null,null,null,null,"Filed:",null,null,{"$f":"'Start Here NBIB Cover Sheet'!M4","v":"00:00:00"}]
["Dates d'entrée en vigueur :",null,null,null,null,null,null,null,"Effective Dates:"]
[null,"Nouveaux: ",null,{"$f":"L18","v":"00:00:00"},null,null,null,null,null,"New:",null,{"$f":"'Start Here NBIB Cover Sheet'!D12","v":"00:00:00"}]
[null,"Renouvellements: ",null,{"$f":"L19","v":"00:00:00"},null,null,null,null,null,"Renewals:",null,{"$f":"'Start Here NBIB Cover Sheet'!D13","v":"00:00:00"}]
[]
["Mise en application de changement de tarif global: ",null,null,null,null,null,{"$f":"N21","v":0},null,"Overall Implemented Rate Change:",null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D9","v":0}]
[]
[]
["En vertu du paragraphe 267.2(1) de la Loi sur les assurances, la Commission des assurances du Nouveau-Brunswick (ci-après dénommée la « Commission ») a examiné la demande de révision des tarifs susmentionnés et a jugé qu'il n'y a aucune exigence statutaire de comparaître devant la Commission. \n\nEn outre, après examen, la Commission considère que les tarifs projetés en vertu de la demande de révision tarifaire susmentionnée ne nécessite aucun examen plus approfondi.  Par conséquent, la présente demande de tarification est misc en application et la demanderesse peut commencer à utiliser les tarifs révisés projetés avec prise d'effet aux dates établies ci-dessus.  Advenant tout changement à ces dates d'entrée en vigueur, la demanderesse devra fournir un avis à la Commission.\n\nLa demanderesse devra, dans un délai de 30 jours, fournir à la Commission une copie finale du dépôt de demande sous forme électronique uniquement. \n",null,null,null,null,null,null,null,"Pursuant to section 267.2(1) of the Insurance Act, the New Brunswick Insurance Board (the 'Board') has examined the above noted rate revision application and has determined that there is no statutory requirement for an appearance before the Board. \n\nFurthermore, upon review, the Board considers that the rates proposed to be charged in this rate revision application do not warrant investigation. Consequently, that rate application is released and the Applicant may begin to implement the proposed revised rates as per the effective dates noted above. The Applicant must provide the Board with notification of any changes to these effective dates.\n\nWithin 30 days, the Applicant must provide to the Board  a final copy of the filing in electronic format only. \n"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Avis en date du :",null,null,null,null,null,null,null,"Dated:"]
[]
[]
[]
["Marie-Claude Doucet",null,null,null,null,null,null,null,{"$f":"A40","v":"Marie-Claude Doucet"}]
["Présidente, Commission des assurances du Nouveau-Brunswick",null,null,null,null,null,null,null,"Chair, New Brunswick Insurance Board"]

{"sheet":"Approval 2 B","index":12,"n_rows":40,"n_cols":14,"rows_kept":40,"cut":false,"hidden":true,"merged":[[12,9,12,12],[13,0,13,2],[14,0,14,2],[14,3,14,5],[13,8,13,10],[14,8,14,10],[2,0,2,6],[10,1,10,6],[11,1,11,6],[12,1,12,4],[5,1,5,6],[5,9,5,13],[16,11,16,12],[34,2,34,4],[17,11,17,12],[22,0,33,6],[22,8,33,13],[19,0,19,5],[20,4,20,5],[34,9,34,11],[17,3,17,5],[16,3,16,5],[14,11,14,12],[15,8,15,10],[15,12,15,13],[10,9,10,13],[11,9,11,13]]}
[]
[]
["Avis : Mise en application de tarifs ",null,null,null,null,null,null,null,"Notification: Release of Rates "]
[]
["ENVOYER PAR COURRIEL",null,null,null,null,null,null,null,"SENT BY EMAIL"]
["À :",{"$f":"'Approval 1,8 B'!B7:G7","v":{"$error":"#N/A"}},null,null,null,null,null,null,"To:",{"$f":"'Start Here NBIB Cover Sheet'!C4","v":0}]
["Attention:",{"$f":"J7","v":0},null,null,null,null,null,null,"Attention:",{"$f":"'Start Here NBIB Cover Sheet'!D17","v":0}]
[null,{"$f":"J8","v":0},null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D18","v":0}]
["Courriel",{"$f":"J9","v":0},null,null,null,null,null,null,"Email:",{"$f":"'Start Here NBIB Cover Sheet'!D20","v":0}]
[]
["Objet:",{"$f":"VLOOKUP(J11,'Drop Down'!A8:C18,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,"Re:",{"$f":"'Start Here NBIB Cover Sheet'!D7","v":0}]
[null,{"$f":"'Approval 1,8 B'!B13:G13","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D8","v":0}]
[]
["Référence CANB : ",null,null,{"$f":"L14","v":0},null,null,null,null,"Billing Number:",null,null,{"$f":"'Start Here NBIB Cover Sheet'!H1","v":0}]
["Déposé le :",null,null,{"$f":"L15","v":"00:00:00"},null,null,null,null,"Filed:",null,null,{"$f":"'Start Here NBIB Cover Sheet'!M4","v":"00:00:00"}]
["Dates d'entrée en vigueur :",null,null,null,null,null,null,null,"Effective Dates:"]
[null,"Nouveaux: ",null,{"$f":"L17","v":"00:00:00"},null,null,null,null,null,"New:",null,{"$f":"'Start Here NBIB Cover Sheet'!D12","v":"00:00:00"}]
[null,"Renouvellements: ",null,{"$f":"L18","v":"00:00:00"},null,null,null,null,null,"Renewals:",null,{"$f":"'Start Here NBIB Cover Sheet'!D13","v":"00:00:00"}]
[]
["Mise en application de changement de tarif global: ",null,null,null,null,null,{"$f":"N20","v":0},null,"Overall Implemented Rate Change:",null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D9","v":0}]
[]
[]
["En vertu du paragraphe 267.2 (1) de la Loi sur les assurances du Nouveau-Brunswick, la Commission des assurances du Nouveau-Brunswick (la « Commission ») a examiné le dépôt de demande d’IAO noté ci-dessus et le juge en conformité avec la Loi de même qu’avec les directives de la Commission concernant les dépôts de demandes.  \n\nUn dépôt de demande régulier d'IAO permet à un assureur d’adopter les tarifs promulgués par, et avec la permission de, IAO Actuarial Consulting Services Inc. (IAO).\n\nVeuillez fournir à la Commission un avis de toute modification aux dates d’entrée en vigueur ci-dessus.\n\n",null,null,null,null,null,null,null,"Pursuant to section 267.2 (1) of the Insurance Act, the New Brunswick Insurance Board (the \"Board\") conducted a review of the IAO filing noted above and deems it in compliance with the Act as well as with the Board's filing guidelines.\n\nAn IAO Regular filing allows an insurer to adopt approved rates promulgated by and with the permission of IAO Actuarial Consulting Services Inc. (IAO). \n\nPlease provide the Board with notification of any changes to these effective dates.\n\n\n"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Avis en date du :",null,null,null,null,null,null,null,"Dated:"]
[]
[]
[]
["Marie-Claude Doucet",null,null,null,null,null,null,null,{"$f":"A39","v":"Marie-Claude Doucet"}]
["Présidente, Commission des assurances du Nouveau-Brunswick",null,null,null,null,null,null,null,"Chair, New Brunswick Insurance Board"]

{"sheet":"Approval 3,4,5,6 B","index":13,"n_rows":43,"n_cols":14,"rows_kept":43,"cut":false,"hidden":true,"merged":[[14,0,14,2],[12,1,12,4],[12,9,12,12],[5,1,5,6],[5,9,5,13],[13,0,13,2],[13,8,13,10],[14,3,14,5],[14,8,14,10],[14,11,14,12],[2,0,2,6],[10,1,10,6],[10,9,10,13],[11,1,11,6],[11,9,11,13],[17,11,17,12],[15,8,15,10],[15,12,15,13],[16,11,16,12],[16,3,16,4],[17,3,17,4],[17,5,17,6],[19,0,19,5],[26,9,26,13],[28,9,28,12],[28,1,28,6],[20,4,20,5],[22,0,23,6],[22,8,23,13],[37,2,37,3],[37,4,37,5],[37,9,37,10],[32,9,32,13],[34,9,34,13],[32,1,32,6],[34,1,34,6],[30,1,30,5],[30,9,30,12],[36,0,36,6],[36,8,36,13],[24,9,24,13],[26,1,26,6]]}
[]
[]
["Avis : Mise en application de tarifs ",null,null,null,null,null,null,null,"Notification: Release of Rates "]
[]
["ENVOYER PAR COURRIEL",null,null,null,null,null,null,null,"SENT BY EMAIL"]
["À :",{"$f":"'Approval 1,8 B'!B7:G7","v":{"$error":"#N/A"}},null,null,null,null,null,null,"To:",{"$f":"'Start Here NBIB Cover Sheet'!C4","v":0}]
["Attention:",{"$f":"J7","v":0},null,null,null,null,null,null,"Attention:",{"$f":"'Start Here NBIB Cover Sheet'!D17","v":0}]
[null,{"$f":"J8","v":0},null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D18","v":0}]
["Courriel",{"$f":"J9","v":0},null,null,null,null,null,null,"Email:",{"$f":"'Start Here NBIB Cover Sheet'!D20","v":0}]
[]
["Objet:",{"$f":"VLOOKUP(J11,'Drop Down'!A8:C18,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,"Re:",{"$f":"'Start Here NBIB Cover Sheet'!D7","v":0}]
[null,{"$f":"'Approval 1,8 B'!B13:G13","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D8","v":0}]
[]
["Référence CANB : ",null,null,{"$f":"L14","v":0},null,null,null,null,"Billing Number:",null,null,{"$f":"'Start Here NBIB Cover Sheet'!H1","v":0}]
["Déposé le :",null,null,{"$f":"L15","v":"00:00:00"},null,null,null,null,"Filed:",null,null,{"$f":"'Start Here NBIB Cover Sheet'!M4","v":"00:00:00"}]
["Dates d'entrée en vigueur :",null,null,null,null,null,null,null,"Effective Dates:"]
[null,"Nouveaux: ",null,{"$f":"L17","v":"00:00:00"},null,null,null,null,null,"New:",null,{"$f":"'Start Here NBIB Cover Sheet'!D12","v":"00:00:00"}]
[null,"Renouvellements: ",null,{"$f":"L18","v":"00:00:00"},null,null,null,null,null,"Renewals:",null,{"$f":"'Start Here NBIB Cover Sheet'!D13","v":"00:00:00"}]
[]
["Mise en application de changement de tarif global: ",null,null,null,null,null,{"$f":"N20","v":0},null,"Overall Implemented Rate Change:",null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D9","v":0}]
[]
[]
["Cette application a été examiné et approuvé pour une utilisation telle que proposée. ",null,null,null,null,null,null,null,"This application has been reviewed and approved for use as proposed. "]
[]
[null,"Changements aux algorithmes",null,null,null,null,null,null,null,"Algorithm Changes"]
[]
[null,"Changements d'escomptes et frais supplémentaires",null,null,null,null,null,null,null,"Discount/Surcharge Changes"]
[]
[null,"Changements aux avenants",null,null,null,null,null,null,null,"Endorsment Changes"]
[]
[null,"Mise à jour des tables de groupes de tarification",null,null,null,null,null,null,null,"Rate Group Table Update"]
[]
[null,"Changements de règles de souscription",null,null,null,null,null,null,null," Underwriting Rule Changes"]
[]
[null,"Changements de tarification  de souscription",null,null,null,null,null,null,null,"Rating Rule Changes"]
[]
["N’hésitez pas de contacter Kelly Ferris,  Directrice des services d’assurances, si vous avez des questions ou des préoccupations au sujet de ce qui précède.",null,null,null,null,null,null,null,"Please do not hesitate to contact Kelly Ferris - Manager of Insurance Services if you have any questions or concerns regarding any of the above. "]
["Avis en date du :",null,null,null,null,null,null,null,"Dated:"]
[]
[]
[]
["Marie-Claude Doucet",null,null,null,null,null,null,null,{"$f":"A42","v":"Marie-Claude Doucet"}]
["Présidente, Commission des assurances du Nouveau-Brunswick",null,null,null,null,null,null,null,"Chair, New Brunswick Insurance Board"]

{"sheet":"Approval 7 B","index":14,"n_rows":41,"n_cols":14,"rows_kept":41,"cut":false,"hidden":true,"merged":[[15,11,15,12],[13,1,13,4],[13,9,13,12],[14,0,14,2],[14,8,14,10],[15,0,15,2],[15,3,15,5],[15,8,15,10],[2,0,2,6],[11,1,11,6],[11,9,11,13],[12,1,12,6],[12,9,12,13],[6,1,6,6],[6,9,6,13],[35,2,35,3],[35,4,35,5],[35,9,35,10],[16,8,16,10],[16,12,16,13],[17,3,17,6],[17,11,17,13],[18,11,18,12],[18,3,18,6],[21,4,21,5],[23,0,34,6],[23,8,34,13],[20,0,20,5]]}
[]
[]
["Avis : Mise en application de tarifs ",null,null,null,null,null,null,null,"Notification: Release of Rates "]
[]
["ENVOYER PAR COURRIEL",null,null,null,null,null,null,null,"SENT BY EMAIL"]
[]
["À :",{"$f":"VLOOKUP(J7,'Drop Down'!A47:B95,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,"To:",{"$f":"'Start Here NBIB Cover Sheet'!C4","v":0}]
["Attention:",{"$f":"J8","v":0},null,null,null,null,null,null,"Attention:",{"$f":"'Start Here NBIB Cover Sheet'!D17","v":0}]
[null,{"$f":"J9","v":0},null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D18","v":0}]
["Courriel",{"$f":"J10","v":0},null,null,null,null,null,null,"Email:",{"$f":"'Start Here NBIB Cover Sheet'!D20","v":0}]
[]
["Objet:",{"$f":"'Approval 3,4,5,6 B'!B11:G11","v":{"$error":"#N/A"}},null,null,null,null,null,null,"Re:",{"$f":"'Start Here NBIB Cover Sheet'!D7","v":0}]
[null,{"$f":"'Approval 1,8 B'!B13:G13","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D8","v":0}]
[]
["Référence CANB : ",null,null,{"$f":"L15","v":0},null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!E1","v":"Billing Number:"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!H1","v":0}]
["Déposé le :",null,null,{"$f":"L16","v":"00:00:00"},null,null,null,null,"Filed:",null,null,{"$f":"'Start Here NBIB Cover Sheet'!M4","v":"00:00:00"}]
[]
[]
[]
[]
["Mise en application de changement de tarif global: ",null,null,null,null,null,{"$f":"N21","v":0},null,"Overall Implemented Rate Change:",null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D9","v":0}]
[]
[]
["Conformément au paragraphe 267.2 (1) de la Loi des assurances, une demande de tarifs RFG-7 permet à un assureur de continuer d’utiliser les tarifs actuellement en vigueur.\n\nIl incombe à la compagnie afin d'assurer que le prochain dépôt est reçu avant la date limite. \n\nVeuillez voir le Bulletin d’information 2009-003 pour les dates de dépôt. (www.nbib-canb.org)\n\nN’hésitez pas à contacter Kelly Ferris, Directrice des services d’assurances, si vous avez des questions ou des préoccupations au sujet de ce qui précède.",null,null,null,null,null,null,null,"In accordance with section 267.2 (1) of the Insurance Act, a RFG-7 filing allows an insurer to continue using the current approved rates.  \n\nThe onus is on the Company to ensure that the next filing(s) is received prior to the filing deadline.\n\nPlease refer to Info Bulletin 2009-003 for the filing schedules. (www.nbib-canb.org)\n\nPlease do not hesitate to contact Kelly Ferris - Manager of Insurance Services if you have any questions or concerns regarding any of the above.  \n"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Avis en date du :",null,null,null,null,null,null,null,"Dated:"]
[]
[]
[]
["Marie-Claude Doucet",null,null,null,null,null,null,null,{"$f":"A40","v":"Marie-Claude Doucet"}]
["Présidente, Commission des assurances du Nouveau-Brunswick",null,null,null,null,null,null,null,"Chair, New Brunswick Insurance Board"]

{"sheet":"Approval Mult Misc","index":15,"n_rows":46,"n_cols":14,"rows_kept":46,"cut":false,"hidden":true,"merged":[[45,0,45,6],[22,3,22,5],[22,11,22,12],[23,3,23,5],[23,11,23,12],[25,0,25,5],[26,4,26,5],[28,0,39,6],[28,8,39,13],[40,2,40,3],[40,4,40,5],[40,9,40,10],[20,0,20,2],[20,3,20,5],[20,8,20,10],[20,11,20,12],[21,8,21,10],[21,12,21,13],[18,11,18,12],[2,0,2,6],[6,1,6,6],[6,9,6,13],[11,1,11,6],[11,9,11,13],[12,12,12,13],[13,11,13,12],[14,11,14,12],[15,11,15,12],[16,11,16,12],[17,11,17,12]]}
[]
[]
["Avis : Mise en application de tarifs ",null,null,null,null,null,null,null,"Notification: Release of Rates "]
[]
["ENVOYER PAR COURRIEL",null,null,null,null,null,null,null,"SENT BY EMAIL"]
[]
["À :",{"$error":"#N/A"},null,null,null,null,null,null,"To:",{"$f":"'Start Here NBIB Cover Sheet'!C4","v":0}]
["Attention:",{"$f":"J8","v":0},null,null,null,null,null,null,"Attention:",{"$f":"'Start Here NBIB Cover Sheet'!D17","v":0}]
[null,{"$f":"J9","v":0},null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!D18","v":0}]
["Courriel",{"$f":"J10","v":0},null,null,null,null,null,null,"Email:",{"$f":"'Start Here NBIB Cover Sheet'!D20","v":0}]
[]
["Objet:",{"$error":"#N/A"},null,null,null,null,null,null,"Re:",{"$f":"'Start Here NBIB Cover Sheet'!D7","v":0}]
["Référence CANB : ",null,null,null,"Modification tarifaire proposée",null,null,null,"Billing Number:",null,null,null,"Proposed Rate Change"]
[{"$f":"I14","v":"2018-316"},null,{"$error":"#N/A"},null,null,null,"0,00%",null,"2018-316",null,null,{"$f":"'Cover Sheet Multi Misc'!A33","v":"ATV"},null,{"$f":"'Cover Sheet Multi Misc'!C33","v":-4.1507603250166225E-2}]
["2018-319",null,"Anciennes",null,null,null,"22,06%",null,"2018-319",null,null,{"$f":"'Cover Sheet Multi Misc'!A34","v":"SV"},null,{"$f":"'Cover Sheet Multi Misc'!C34","v":7.0199999999999999E-2}]
["2018-320",null,{"$error":"#N/A"},null,null,null,"0,00%",null,"2018-320",null,null,{"$f":"'Cover Sheet Multi Misc'!A35","v":"MC"},null,{"$f":"'Cover Sheet Multi Misc'!C35","v":-6.3200000000000006E-2}]
["2018-317",null,{"$error":"#N/A"},null,null,null,"22,20%",null,"2018-317",null,null,{"$f":"'Cover Sheet Multi Misc'!A36","v":"MH"},null,{"$f":"'Cover Sheet Multi Misc'!C36","v":9.1499999999999998E-2}]
["2018-318",null,"Véhicules tout-terrain",null,null,null,"0,00%",null,"2018-318",null,null,{"$f":"'Cover Sheet Multi Misc'!A37","v":"CT"},null,{"$f":"'Cover Sheet Multi Misc'!C37","v":7.0199999999999999E-2}]
["2018-315",null,"Remorques et autocaravanes détachables",null,null,null,"17,72%",null,"2018-315",null,null,{"$f":"'Cover Sheet Multi Misc'!A38","v":"Ant"},null,{"$f":"'Cover Sheet Multi Misc'!C38","v":-6.3200000000000006E-2}]
[null,null,null,{"$f":"L20","v":0}]
["Déposé le :",null,null,{"$f":"L21","v":"00:00:00"},null,null,null,null,"Filed:",null,null,{"$f":"'Start Here NBIB Cover Sheet'!L4","v":"00:00:00"}]
["Dates d'entrée en vigueur :",null,null,null,null,null,null,null,"Effective Dates:"]
[null,"Nouveaux: ",null,{"$f":"L23","v":"00:00:00"},null,null,null,null,null,"New:",null,{"$f":"'Start Here NBIB Cover Sheet'!G12","v":"00:00:00"}]
[null,"Renouvellements: ",null,{"$f":"L24","v":"00:00:00"},null,null,null,null,null,"Renewals:",null,{"$f":"'Start Here NBIB Cover Sheet'!G13","v":"00:00:00"}]
[]
["Mise en application de changement de tarif global: ",null,null,null,null,null,{"$f":"N26","v":-1.8521035095206868E-2},null,"Overall Implemented Rate Change:",null,null,null,null,{"$f":"'Cover Sheet Multi Misc'!C43","v":-1.8521035095206868E-2}]
[null,null,null,null,null,null,"(Pondérée)",null,null,null,null,null,null,"(Weighted)"]
[]
["En vertu du paragraphe 267.2(1) de la Loi sur les assurances, la Commission des assurances du Nouveau-Brunswick (ci-après dénommée la « Commission ») a examiné la demandes de révision de taux susmentionnés et a jugé qu'il n'y a aucune exigence statutaire de comparaître devant la Commission. \n\nEn outre, après examen, la Commission considère que les tarifs projetés en vertu de la demandes de révision tarifaire susmentionnés ne nécessite aucun examen plus approfondi.  Par conséquent, la présente demandes de tarification sont misc en applications et la demanderesse peut commencer à utiliser les tarifs révisés projetés avec prise d'effet aux dates établies ci-dessus.  Advenant tout changement à ces dates d'entrée en vigueur, la demanderesse devra fournir un avis à la Commission.\n\nLa demanderesse devra, dans un délai de 30 jours, fournir à la Commission une copie finale du dépôt de demande sous forme électronique uniquement. ",null,null,null,null,null,null,null,"Pursuant to section 267.2(1) of the Insurance Act, the New Brunswick Insurance Board (the 'Board') has examined the above noted rate revision applications and has determined that there is no statutory requirement for an appearance before the Board. \n\nFurthermore, upon review, the Board considers that the rates proposed to be charged in these rate revision applications do not warrant investigation. Consequently, the rate applications are released and the Applicant may begin to implement the proposed revised rates as per the effective dates noted above. The Applicant must provide the Board with notification of any changes to these effective dates.\n\nWithin 30 days, the Applicant must provide to the Board  a final copy of the filing in electronic format only, if required. \n"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Avis en date du :",null,null,null,null,null,null,null,"Dated:"]
[]
[]
[]
["Marie-Claude Doucet",null,null,null,null,null,null,null,{"$f":"A45","v":"Marie-Claude Doucet"}]
["Présidente, Commission des assurances du Nouveau-Brunswick",null,null,null,null,null,null,null,"Chair, New Brunswick Insurance Board"]

{"sheet":"Language","index":16,"n_rows":887,"n_cols":12,"rows_kept":887,"cut":false,"hidden":true,"merged":[[885,0,885,4],[886,0,886,4],[7,4,7,6],[8,4,8,6],[9,4,9,6]]}
["English","French"]
["NBIB Cover Sheet","Feuille couverture CANB"]
["Company Name","Nom de la compagnie :"]
["Date of Filing:","Date :"]
["YYYY-MM-DD","AAAA/MM/JJ"]
["Company Short Name","nom de l'entreprise à court"]
["Amendment Date(s):","Date de l’amendement :"]
["Filing Type:","Description du dépôt de demandes projeté :"]
["Vehicle Type:","Type de véhicule :"]
["Overall Selected Rate Change:","Changement global de tarifs sélectionné"]
["OFFICE USE ONLY","UTILISATION D'OFFICE SEULEMENT"]
["Indicated Rate change","Changement de tarif indiqué"]
["Billing Number:","Nombre de facturation :"]
["Indication only Required for RFG - 1","Indication seulement requise pour RFG - 1"]
["Proposed Effective Dates:","Date d'entrée en vigueur projetés"]
["New Business","Nouveaux contrats"]
["FINAL Filing Received","Dépôt de demande FINAL"]
["Renewal Business","Renouvellement contrats"]
["NBIB Document  Name:","CANB Nom de document"]
["Language","Langue"]
["Non-Confidential Company Information","Informations sur la compagnie non-confidentielle"," "]
["Contact Information","Coordonnées :  Personne préparée à répondre par courriel aux questions de la CANB"]
["Name","Nom"]
["Title","Titre"]
["Name and Title","Nom et titre"]
["Phone Number","Numéro de téléphone"]
["Email Address","Adresse de courriel"]
["Mailing Address","Adresse postale: "]
["Part of a Group of Companies?","Partie d'un groupe de compagnie?"]
["Target Market","Segments de marché"]
["If Yes","Si oui :"]
["Indicate Group","Indiquer le groupe :"]
["Primary Market","Marché cible principal"]
["Distribution Channel","Canaux de distribution"]
["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"]
["Secondary distribution channel","Réseau de distribution secondaire"]
["Adopting rates from a Sister Company","Adoption des tarifs d'une société sœur :"]
["Sister Company adopting rates","Société sœur adoptant les tarifs :"]
["Details on what coverages are being adopted","Détails sur les couvertures/règles adoptées"]
["From which Company","De quelle compagnie :"]
["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) "]
["Cover Letter outlining changes being proposed (Non-Confidential)","Lettre d’accompagnement décrivant les changements projetés (Non-Confidentiel)"]
["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)"]
["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)"]
["NBIB Summary Sheet (Non-Confidential)","Récapitulatif CANB (Non-Confidentiel)"]
["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)"]
["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)"]
["Current Base Rates and Differentials (Confidential)","Tarifs de base et les écarts courants  (Confidentiel)"]
["Proposed Base Rates and Differentials (Confidential)","Tarifs de base et les écarts projetés (Confidentiel)"]
["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)"]
["Current and Proposed Rating Algorithm(s) (Confidential)","Algorithme(s) actuel(s) et projecté(s) (Confidentiel)"]
["NBIB Wording Changes Underwriting, Rating, Manual or Endorsment (Confidential)","CANB changements de libellé, souscription, tarification, manuel ou avenant (Confidential)"]
["NBIB Completed Applicable Profiles (Confidential) ","CANB Profils applicable complétés (Confidentiel) "]
["NBIB IAO rate comparision (Confidential)","NBIB IAO rate comparision (Confidential)"]
["NBIB FA Comparision (Confidential)","Comparaison CANB FA (Confidentiel)"]
["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)"]
["NBIB Summary Sheet (Confidential)","Récapitulatif CANB (Confidentiel)"]
["Actuarial Justification (Confidential)","Justification actuarielle (Confidentiel)"]
["FINAL Filing","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 »"]
["Exposures","Risques"]
["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"]
["Table 1 - Capping","Table 1 - Plafonnement"]
["Current Capping","Plafonnement Courant"]
[]
["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 Before Capping","Tableau 1 avant plafonnement"]
["Table 2 - Dislocation Tables","Table 2 - Tables de dislocation "]
["Dislocation Before Capping","Dislocation avant plafonnement"]
["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 "]
["Table 1 Impact on Mandatory + Optional Coverages Combined","Table 1 - Impact sur la couverture obligatoire + couverture facultative combiné"]
["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"]
["Dislocation  After Capping","Dislocation après plafonnement"]
["If there is dislocation greater than 10%, complete table(s) below:","Si dislocation de plus de 10 %, complétez svp table(s) ci-dessous :"]
["Increase of 19.1% to20%","Augmentation de 19,1 % à 20 %"]
["Increase of 18.1% to 19%","Augmentation de 18,1 % à 19 %"]
["Increase of 17.1% to 18%","Augmentation de 17,1 % à 18 %"]
["Increase of 16.1% to 17%","Augmentation de 16,1 % à 17 %"]
["Increase of 15.1% to 16%","Augmentation de 15,1 % à 16 %"]
["Increase of 14.1 to 15%","Augmentation de 14,1 % à 15 %"]
["Increase of 13.1% to 14%","Augmentation de 13,1 % à 14 %"]
["Increase of 12.1% to 13%","Augmentation de 12,1 % à 13 %"]
["Increase of 11.1 to 12%","Augmentation de 11,1 % à 12 %"]
["Increase of 10.1 to 11%","Augmentation de 10,1 % à 11 %"]
["Increase of 29.1% to 30%","Augmentation de 29,1 % à 30 %"]
["Increase of 28.1% to 29%","Augmentation de 28,1 % à 29 %"]
["Increase of 27.1% to 28%","Augmentation de 27,1 % à 28 %"]
["Increase of 26.1% to 27%","Augmentation de 26,1 % à 27 %"]
["Increase of 25.1% to 26%","Augmentation de 25,1 % à 26 %"]
["Increase of 24.1 to 25%","Augmentation de 24,1 % à 25 %"]
["Increase of 23.1% to 24%","Augmentation de 23,1 % à 24 %"]
["Increase of 22.1% to 23%","Augmentation de 22,1 % à 23 %"]
["Increase of 21.1 to 22%","Augmentation de 21,1 % à 22 %"]
["Increase of 20.1-21%","Augmentation de 20,1 % à 21 %"]
["Notes or Comments - Explanation for any Dislocation >10%","Remarques ou commentaires - Explication pour dislocation de plus de 10 %"]
["Table 3 - Dependent Vehicles Tables","Table 3 - 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 "]
[]
["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/Surcharge Changes","Changements d'escomptes et frais supplémentaires"]
["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"]
["Endorsment Changes"," Changements avenants"]
["Amending endorsment","Amendements de règlements"]
["Adding Endorsment","Ajout de règlements"]
["Deleting Endorsment","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 Table: Go to IAO Comparison cell D15 to complete","Justification de l'adoption IAO Tableau Taux : Allez à IAO Comparaison cellule D15 pour terminer"]
["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: Go to IAO Comparison cell C20 to complete","Justification de l' écart : Aller à IAO Comparaison cellule C20 pour terminer"]
["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 Comp - 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?"]
["When was it introduced in NB filings?","À quel moment a-t-elle été adoptée dans les dépôts de demandes du N.-B.?"]
["Billing #","Nombre de facturation"]
["Have there been any changes in GLM methodology since last time filed?","Y a-t-il eu des changements dans la méthodologie de modélisation linéaire générale (MLG) depuis le dernier dépôt de demande?"]
["Details","Détails"]
["If yes, provide details","Si oui, veuillez fournir les 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."]
["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 the  general approach to loss development remained reasonably constant over the years for the insurer?   ","L'approche générale de l'évolution des sinistres est-elle demeurée raisonnablement constante au cours des années pour un assureur?  \n\n"]
["Has there been any change in either the approach or the underlying data from the prior rate filing? If yes,details should be disclosed and supported.","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"]
["Has there been any changes in either the approach or the underlying data from the prior rate filing? If yes, details must be disclosed and supported. ","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 doivent être divulgués et documentés."]
["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."]
["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 Comp- 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 a change to the general approach to estimating loss trend ?    ","Y a-t-il eu changement à l'approche générale de l'estimation de la tendance des sinistres?  \n\n   ",null,null,null,null,null,null,null,null,null,"Yes"]
["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.  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 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.  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 a change to the general approach to estimating ULAE?    ","Y a-t-il eu changement à l'approche générale de l'estimation des dépenses de règlements de sinistres non assignées?  "]
["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? If yes, provide indication using previous methodology","Y a-t-il eu des changements dans la méthodologie pour calculer un des éléments ci-après par rapport au dépôt de demande précédent?  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?  If not, credibility procedures can be useful as a means of augmenting the insurer's New Brunswick data. Please provide details.","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?  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?"]
[" Are there any changes from the prior rate filing in the credibility standard or procedure? If yes, they should be disclosed and supported. ","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?  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 fro 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":"A496","v":"Off-balance"},{"$f":"B496","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.  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":"A496","v":"Off-balance"},{"$f":"B496","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"]
["2018 IAO Approved","2018 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"]
[{"$f":"A9","v":"Vehicle Type:"},{"$f":"B9","v":"Type de véhicule :"}]
[{"$f":"A784","v":"PPV"},{"$f":"B784","v":"Véhicules de type familial (véhiclues de tourisme)"}]
[{"$f":"A776","v":"Commercial"},{"$f":"B776","v":"Véhicules Commerciaux"}]
[{"$f":"A779","v":"Interurban"},{"$f":"B779","v":"Véhicules Interurbains"}]
[{"$f":"A755","v":"Motorcycle "},{"$f":"B755","v":"Motocyclettes"}]
[{"$f":"A765","v":"Taxi"},{"$f":"B765","v":"Taxi"}]
[{"$f":"A707","v":"ATV"},{"$f":"B707","v":"Véhicules tout terrain"}]
[{"$f":"A706","v":"Snowmobile"},{"$f":"B706","v":"Véhicules d'hiver"}]
[{"$f":"A691","v":"Ambulance"},{"$f":"B691","v":"Ambulance"}]
["Antiques","Anciennes et classiques"]
[{"$f":"A746","v":"Motorhomes/Trailers/Camper Units"},{"$f":"B746","v":"Autocaravanes/Remorques/Autovaravanes détachables"}]
[{"$f":"A747","v":"Motorhomes"},{"$f":"B747","v":"Autocaravanes"}]
["Other Personal"]
["Other Public"]
[{"$f":"A721","v":"Private Bus"},{"$f":"B721","v":"Autobus Privés"}]
[{"$f":"A718","v":"Public \nBuses"},{"$f":"B718","v":"Autobus publics"}]
[{"$f":"A722","v":"School Buses"},{"$f":"B722","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":"A8","v":"Filing Type:"},{"$f":"B8","v":"Description du dépôt de demandes projeté :"}]
["RFG-1",{"$f":"A858","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"]

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["Filing Close File Check List"]
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[" ",null,null,null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!J5","v":"Amendment Date(s):"},null,{"$f":"'Start Here NBIB Cover Sheet'!M5","v":0},{"$f":"'Start Here NBIB Cover Sheet'!N5","v":0},{"$f":"'Start Here NBIB Cover Sheet'!O5","v":0}]
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[{"$f":"'Start Here NBIB Cover Sheet'!A9:C9","v":"Overall Selected Rate Change:"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!D9","v":0},null,null,{"$f":"D6","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!C1","v":"OFFICE USE ONLY"}]
[{"$f":"'Start Here NBIB Cover Sheet'!A10:C10","v":"Indicated Rate change"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!D10","v":0},null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!E1","v":"Billing Number:"},null,{"$f":"'Start Here NBIB Cover Sheet'!H1","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!K11","v":0}]
[{"$f":"'Start Here NBIB Cover Sheet'!A12:B12","v":"Proposed Effective Dates:"},null,{"$f":"'Start Here NBIB Cover Sheet'!G12","v":0},{"$f":"'Start Here NBIB Cover Sheet'!D12:F12","v":"00:00:00"},null,null,"New Business",null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!P3","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!O12","v":0}]
[null,null,{"$f":"'Start Here NBIB Cover Sheet'!G13","v":0},{"$f":"'Start Here NBIB Cover Sheet'!D13:F13","v":"00:00:00"},null,null,"Renewal Business",null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!K13","v":0},null,{"$f":"'Start Here NBIB Cover Sheet'!M13:O13","v":"00:00:00"}]
[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"]

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[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B143, Language!$A$143)","v":"Insert Page Number"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B144, Language!$A$144)","v":"Insert Rule Number"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B145, Language!$A$145)","v":"Insert Name of Rule"}]
[{"$f":"A12","v":"Insert Page Number"}]
[{"$f":"A13","v":"Insert Rule Number"}]
[{"$f":"A14","v":"Insert Name of Rule"}]
[{"$f":"A12","v":"Insert Page Number"}]
[{"$f":"A13","v":"Insert Rule Number"}]
[{"$f":"A14","v":"Insert Name of Rule"}]
[{"$f":"A12","v":"Insert Page Number"}]
[{"$f":"A13","v":"Insert Rule Number"}]
[{"$f":"A14","v":"Insert Name of Rule"}]
[{"$f":"A12","v":"Insert Page Number"}]
[{"$f":"A13","v":"Insert Rule Number"}]
[{"$f":"A14","v":"Insert Name of Rule"}]

{"sheet":"Graphs_PPV","index":20,"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"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
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["NBIB Statistical 11 Territories"]
[]
[]
[]
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[null,null,null,null,null,null,null,null,null,null,"Before Capping"]

{"sheet":"Data for Graphs","index":21,"n_rows":192,"n_cols":29,"rows_kept":192,"cut":false,"hidden":true,"merged":[[91,0,91,14],[98,0,98,1],[36,0,36,17],[41,0,41,2],[27,2,27,3],[33,2,33,3],[33,0,33,1],[37,6,37,17],[37,3,37,5],[37,1,37,2],[52,0,52,2],[49,0,49,2],[44,0,44,2],[45,0,45,2],[46,0,46,2],[40,0,40,2],[39,15,39,17],[47,0,47,2],[48,0,48,2],[43,0,43,2],[42,0,42,2],[39,3,39,5],[39,6,39,8],[39,9,39,11],[85,0,85,1],[86,0,86,1],[79,2,79,13],[78,0,78,17],[81,0,81,1],[82,0,82,1],[59,6,59,12],[61,6,61,14],[62,2,62,4],[61,0,61,4],[84,0,84,1],[83,0,83,1],[59,1,59,2],[59,3,59,5],[51,0,51,2],[5,3,5,5],[5,6,5,12],[7,2,7,3],[5,1,5,2],[7,4,7,5],[39,12,39,14],[7,6,7,7],[26,0,26,1],[27,0,27,1],[32,0,32,1],[26,2,26,3],[31,3,31,5],[4,0,4,17],[58,0,58,17],[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],[25,4,25,5],[53,0,53,2],[54,0,54,2],[56,0,56,2],[50,0,50,2],[190,4,190,9],[96,0,96,14],[92,2,92,13],[97,2,97,13],[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],[87,0,87,1]]}
["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,{"$f":"'Start Here NBIB Cover Sheet'!E123","v":0},null,{"$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,{"$f":"'Start Here NBIB Cover Sheet'!E124","v":0},{"$f":"C11/$C$21","v":{"$error":"#DIV/0!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null," "]
["+10.1% to +15%",null,{"$f":"'Start Here NBIB Cover Sheet'!E125","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null," "]
["+5.1% to +10%",null,{"$f":"'Start Here NBIB Cover Sheet'!E126","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},null,null," "]
["+0.1% to +5%",null,{"$f":"'Start Here NBIB Cover Sheet'!E127","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["0%",null,{"$f":"'Start Here NBIB Cover Sheet'!E128","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["-0.1% to -5%",null,{"$f":"'Start Here NBIB Cover Sheet'!E129","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["-5.1% to -10%",null,{"$f":"'Start Here NBIB Cover Sheet'!E130","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["-10.1% to  -15%",null,{"$f":"'Start Here NBIB Cover Sheet'!E131","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["-15.1% to -20%",null,{"$f":"'Start Here NBIB Cover Sheet'!E132","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["< -20%",null,{"$f":"'Start Here NBIB Cover Sheet'!E133","v":0},{"$error":"#DIV/0!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
["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!"}]
[]
["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  ($000's)"]
[null,null,"Earned Premium",null,"% Market Share"]
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["All Others",null,{"$f":"C34-C27","v":352639255.27154857},null,null,{"$f":"1-F27","v":1},null,null,"3rd Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C240","v":0},{"$f":"'Step 2 NBIB Confidential'!D240","v":0},{"$f":"'Step 2 NBIB Confidential'!F240","v":0},{"$f":"'Step 2 NBIB Confidential'!H240","v":0},{"$f":"'Step 2 NBIB Confidential'!I240","v":0}]
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[null,null,null,null,null,null,null,null,"1st Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C242","v":0},{"$f":"'Step 2 NBIB Confidential'!D242","v":0},{"$f":"'Step 2 NBIB Confidential'!F242","v":0},{"$f":"'Step 2 NBIB Confidential'!H242","v":0},{"$f":"'Step 2 NBIB Confidential'!I242","v":0}]
[null,null,null,null,null,null,null,null,"Current Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C243","v":0},{"$f":"'Step 2 NBIB Confidential'!D243","v":0},{"$f":"'Step 2 NBIB Confidential'!F243","v":0},{"$f":"'Step 2 NBIB Confidential'!H243","v":0},{"$f":"'Step 2 NBIB Confidential'!I243","v":0}]
[null,null," ","Current PPV Assumption Chart"]
[null,null,"copy/paste current total from PPV Assumption chart"]
["Earned Premium",null,352639255.27154857]
[]
[" "]
["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"]
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[]
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[]
["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 2017 Data",null,null,null,"2019-010",null,null,null,"2019-009",null,"2016-007",null,"2016-070"]
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[3,{"$f":"'Step 2 NBIB Confidential'!O107","v":0},{"$f":"B67/B76","v":{"$error":"#DIV/0!"}},43298,{"$f":"D67/D76","v":8.6015737832581401E-2},null,272,0.46815834767641995,6,8.3333333333333329E-2,222,0.1568904593639576,156,4.133545310015898E-2,746,0.10261348005502063,1240,{"$f":"Q67/Q76","v":9.3489069275015713E-2}]
[4,{"$f":"'Step 2 NBIB Confidential'!O108","v":0},{"$f":"B68/B76","v":{"$error":"#DIV/0!"}},33864,{"$f":"D68/D76","v":6.7274168459571723E-2},null,245,0.42168674698795183,1,1.3888888888888888E-2,143,0.10106007067137809,361,9.5654478007419177E-2,619,8.5144429160935356E-2,1007,{"$f":"Q68/Q76","v":7.5922171580597442E-2}]
[5,{"$f":"'Step 2 NBIB Confidential'!O109","v":0},{"$f":"B69/B76","v":{"$error":"#DIV/0!"}},38593,{"$f":"D69/D76","v":7.6668792326962318E-2},null,136,0.23407917383820998,4,5.5555555555555552E-2,144,0.10176678445229682,381,0.10095389507154214,485,6.6712517193947732E-2,765,{"$f":"Q69/Q76","v":5.7676724189828242E-2}]
[6,{"$f":"'Step 2 NBIB Confidential'!O110","v":0},{"$f":"B70/B76","v":{"$error":"#DIV/0!"}},45103,{"$f":"D70/D76","v":8.960154795747885E-2},null,260,0.44750430292598969,3,4.1666666666666664E-2,99,6.9964664310954064E-2,482,0.127715951245363,531,7.3039889958734519E-2,890,{"$f":"Q70/Q76","v":6.7101025528035471E-2}]
[7,{"$f":"'Step 2 NBIB Confidential'!O111","v":0},{"$f":"B71/B76","v":{"$error":"#DIV/0!"}},38903,{"$f":"D71/D76","v":7.7284637833177391E-2},null,178,0.30636833046471601,1,1.3888888888888888E-2,46,3.2508833922261483E-2,328,8.6910439851616325E-2,395,5.4332874828060526E-2,619,{"$f":"Q71/Q76","v":4.66691402268022E-2}]
[8,{"$f":"'Step 2 NBIB Confidential'!O112","v":0},{"$f":"B72/B76","v":{"$error":"#DIV/0!"}},48205,{"$f":"D72/D76","v":9.5763976216443863E-2},null,392,0.67469879518072284,5,6.9444444444444448E-2,28,1.9787985865724382E-2,348,9.2209856915739269E-2,629,8.6519944979367269E-2,1049,{"$f":"Q72/Q76","v":7.9088736830235068E-2}]
[9,{"$f":"'Step 2 NBIB Confidential'!O113","v":0},{"$f":"B73/B76","v":{"$error":"#DIV/0!"}},35819,{"$f":"D73/D76","v":7.1157968345540987E-2},null,122,0.20998278829604131,24,0.33333333333333331,67,4.7349823321554768E-2,431,0.1142024377318495,500,6.8775790921595595E-2,689,{"$f":"Q73/Q76","v":5.1946748976198248E-2}]
[10,{"$f":"'Step 2 NBIB Confidential'!O114","v":0},{"$f":"B74/B76","v":{"$error":"#DIV/0!"}},60224,{"$f":"D74/D76","v":0.1196409024719244},null,197,0.33907056798623064,17,0.2361111111111111,228,0.16113074204946998,418,0.11075781664016958,614,8.4456671251719392E-2,1039,{"$f":"Q74/Q76","v":7.833479272317849E-2}]
[11,{"$f":"'Step 2 NBIB Confidential'!O115","v":0},{"$f":"B75/B76","v":{"$error":"#DIV/0!"}},83357,{"$f":"D75/D76","v":0.16559688342441886},null,1062,1.8278829604130808,9,0.125,135,9.5406360424028266E-2,499,0.13222045574986752,1617,0.22242090784044016,2814,{"$f":"Q75/Q76","v":0.21215987172572112}]
["Prov",{"$f":"SUM(B65:B75)","v":0},{"$f":"SUM(C65:C75)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(D65:D75)","v":503373},{"$f":"D76/$D$76","v":1},null,581,1,72,1,{"$f":"SUM(K65:K75)","v":1415},1,3774,1,{"$f":"SUM(O65:O75)","v":7270},null,13263.582679942041]
[]
[]
["Trends"]
[null,"Data Source:","Actuarial Summary Sheet 1st Chart"]
[null,null,"BI","PD","DCPD","TPL","AB","UA","HSL","Coll","Comp","SP","AP","SEF 44"]
["Historical Loss Cost Trend",null,{"$f":"'Step 2 NBIB Confidential'!D413","v":0},{"$f":"'Step 2 NBIB Confidential'!E413","v":0},{"$f":"'Step 2 NBIB Confidential'!F413","v":0},{"$f":"'Step 2 NBIB Confidential'!G413","v":0},{"$f":"'Step 2 NBIB Confidential'!H413","v":0},{"$f":"'Step 2 NBIB Confidential'!I413","v":0},{"$f":"'Step 2 NBIB Confidential'!J413","v":0},{"$f":"'Step 2 NBIB Confidential'!K413","v":0},{"$f":"'Step 2 NBIB Confidential'!L413","v":0},{"$f":"'Step 2 NBIB Confidential'!M413","v":0},{"$f":"'Step 2 NBIB Confidential'!N413","v":0},{"$f":"'Step 2 NBIB Confidential'!O413","v":0}]
["Future Loss Cost Trend",null,{"$f":"'Step 2 NBIB Confidential'!D414","v":0},{"$f":"'Step 2 NBIB Confidential'!E414","v":0},{"$f":"'Step 2 NBIB Confidential'!F414","v":0},{"$f":"'Step 2 NBIB Confidential'!G414","v":0},{"$f":"'Step 2 NBIB Confidential'!H414","v":0},{"$f":"'Step 2 NBIB Confidential'!I414","v":0},{"$f":"'Step 2 NBIB Confidential'!J414","v":0},{"$f":"'Step 2 NBIB Confidential'!K414","v":0},{"$f":"'Step 2 NBIB Confidential'!L414","v":0},{"$f":"'Step 2 NBIB Confidential'!M414","v":0},{"$f":"'Step 2 NBIB Confidential'!N414","v":0},{"$f":"'Step 2 NBIB Confidential'!O414","v":0}]
["Historical Frequency Trend",null,{"$f":"'Step 2 NBIB Confidential'!D415","v":0},{"$f":"'Step 2 NBIB Confidential'!E415","v":0},{"$f":"'Step 2 NBIB Confidential'!F415","v":0},{"$f":"'Step 2 NBIB Confidential'!G415","v":0},{"$f":"'Step 2 NBIB Confidential'!H415","v":0},{"$f":"'Step 2 NBIB Confidential'!I415","v":0},{"$f":"'Step 2 NBIB Confidential'!J415","v":0},{"$f":"'Step 2 NBIB Confidential'!K415","v":0},{"$f":"'Step 2 NBIB Confidential'!L415","v":0},{"$f":"'Step 2 NBIB Confidential'!M415","v":0},{"$f":"'Step 2 NBIB Confidential'!N415","v":0},{"$f":"'Step 2 NBIB Confidential'!O415","v":0}]
["Future Frequency Trend",null,{"$f":"'Step 2 NBIB Confidential'!D416","v":0},{"$f":"'Step 2 NBIB Confidential'!E416","v":0},{"$f":"'Step 2 NBIB Confidential'!F416","v":0},{"$f":"'Step 2 NBIB Confidential'!G416","v":0},{"$f":"'Step 2 NBIB Confidential'!H416","v":0},{"$f":"'Step 2 NBIB Confidential'!I416","v":0},{"$f":"'Step 2 NBIB Confidential'!J416","v":0},{"$f":"'Step 2 NBIB Confidential'!K416","v":0},{"$f":"'Step 2 NBIB Confidential'!L416","v":0},{"$f":"'Step 2 NBIB Confidential'!M416","v":0},{"$f":"'Step 2 NBIB Confidential'!N416","v":0},{"$f":"'Step 2 NBIB Confidential'!O416","v":0}]
["Historical Severity Trend",null,{"$f":"'Step 2 NBIB Confidential'!D417","v":0},{"$f":"'Step 2 NBIB Confidential'!E417","v":0},{"$f":"'Step 2 NBIB Confidential'!F417","v":0},{"$f":"'Step 2 NBIB Confidential'!G417","v":0},{"$f":"'Step 2 NBIB Confidential'!H417","v":0},{"$f":"'Step 2 NBIB Confidential'!I417","v":0},{"$f":"'Step 2 NBIB Confidential'!J417","v":0},{"$f":"'Step 2 NBIB Confidential'!K417","v":0},{"$f":"'Step 2 NBIB Confidential'!L417","v":0},{"$f":"'Step 2 NBIB Confidential'!M417","v":0},{"$f":"'Step 2 NBIB Confidential'!N417","v":0},{"$f":"'Step 2 NBIB Confidential'!O417","v":0}]
["Future Severity Trend",null,{"$f":"'Step 2 NBIB Confidential'!D418","v":0},{"$f":"'Step 2 NBIB Confidential'!E418","v":0},{"$f":"'Step 2 NBIB Confidential'!F418","v":0},{"$f":"'Step 2 NBIB Confidential'!G418","v":0},{"$f":"'Step 2 NBIB Confidential'!H418","v":0},{"$f":"'Step 2 NBIB Confidential'!I418","v":0},{"$f":"'Step 2 NBIB Confidential'!J418","v":0},{"$f":"'Step 2 NBIB Confidential'!K418","v":0},{"$f":"'Step 2 NBIB Confidential'!L418","v":0},{"$f":"'Step 2 NBIB Confidential'!M418","v":0},{"$f":"'Step 2 NBIB Confidential'!N418","v":0},{"$f":"'Step 2 NBIB Confidential'!O418","v":0}]
["Premium Trend",null,{"$f":"'Step 2 NBIB Confidential'!D419","v":0},{"$f":"'Step 2 NBIB Confidential'!E419","v":0},{"$f":"'Step 2 NBIB Confidential'!F419","v":0},{"$f":"'Step 2 NBIB Confidential'!G419","v":0},{"$f":"'Step 2 NBIB Confidential'!H419","v":0},{"$f":"'Step 2 NBIB Confidential'!I419","v":0},{"$f":"'Step 2 NBIB Confidential'!J419","v":0},{"$f":"'Step 2 NBIB Confidential'!K419","v":0},{"$f":"'Step 2 NBIB Confidential'!L419","v":0},{"$f":"'Step 2 NBIB Confidential'!M419","v":0},{"$f":"'Step 2 NBIB Confidential'!N419","v":0},{"$f":"'Step 2 NBIB Confidential'!O419","v":0}]
[]
[]
["ROE - ROE Implied"]
["Return on Equity (After Tax)"]
[null,"Data Source:","Actuarial Summary Sheet "]
[null,"Target ROE Underlying Indications for 2008 Calendar Year","Target ROE Underlying Indications for 2009 Calendar Year","Target ROE Underlying Indications for 2010 Calendar Year","Target ROE Underlying Indications for 2011  Calendar Year","Target ROE Underlying Indications for 2012  Calendar Year","Target ROE Underlying Indications for Current Calendar Year","ROE Implied by Selected Rate Change for 2008 Calendar Year","ROE Implied by Selected Rate Change for 2009 Calendar Year","ROE Implied by Selected Rate Change for 2010 Calendar Year","ROE Implied by Selected Rate Change for 2011 Calendar Year","ROE Implied by Selected Rate Change for 2012 Calendar Year","ROE Implied by Selected Rate Change for Current Calendar Year",null,null,null,null,null,null,null,null,null,null,"Current","Prior","2nd Prior","3rd Prior","4th Prior","5th Prior"]
[null,0.2,{"$f":"'Step 2 NBIB Confidential'!H563","v":0},{"$f":"'Step 2 NBIB Confidential'!G563","v":0},{"$f":"'Step 2 NBIB Confidential'!F563","v":0},{"$f":"'Step 2 NBIB Confidential'!E563","v":0},0.5,{"$f":"'Step 2 NBIB Confidential'!I564","v":0},{"$f":"'Step 2 NBIB Confidential'!H564","v":0},0.2,{"$f":"'Step 2 NBIB Confidential'!F564","v":0},0.3,0.5,null,null,null,null,null,null,null,null,null,"Target ROE",{"$f":"'Step 2 NBIB Confidential'!B557","v":0},{"$f":"'Step 2 NBIB Confidential'!E$561","v":0},{"$f":"'Step 2 NBIB Confidential'!F$561","v":0},{"$f":"'Step 2 NBIB Confidential'!G$561","v":0},{"$f":"'Step 2 NBIB Confidential'!H$561","v":0},{"$f":"'Step 2 NBIB Confidential'!I$561","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Implied ROE",{"$f":"'Step 2 NBIB Confidential'!H557","v":0},{"$f":"'Step 2 NBIB Confidential'!E$562","v":0},{"$f":"'Step 2 NBIB Confidential'!F$562","v":0},{"$f":"'Step 2 NBIB Confidential'!G$562","v":0},{"$f":"'Step 2 NBIB Confidential'!H$562","v":0},{"$f":"'Step 2 NBIB Confidential'!I$562","v":0}]
["Average Premium and Expenses"]
[null,"Data Source:","Actuarial Summary Sheet and Assumption Chart History"]
["Average Premium",null,"Table 7",null,null,"Table 16",null,"Expenses","Table 24",null,"Assumption Chart-History"]
[null,null,"Average Current Premium",null,"Year","Average Proposed Written Premium\n",null,null,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,"Year","Total Expenses (Excluding Health Levy) as % of Premium"]
[null,"Current",{"$f":"'Step 2 NBIB Confidential'!O132","v":0},null,{"$f":"'Step 2 NBIB Confidential'!C239","v":0},{"$f":"'Step 2 NBIB Confidential'!K239","v":0},null,"Current",{"$f":"'Step 2 NBIB Confidential'!G537","v":0},null,"4th Prior"]
[null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C240","v":0},{"$f":"'Step 2 NBIB Confidential'!K240","v":0},null,null,null,null,"3rd Prior"]
[null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C241","v":0},{"$f":"'Step 2 NBIB Confidential'!K241","v":0},null,null,null,null,"2nd Prior"]
[null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C242","v":0},{"$f":"'Step 2 NBIB Confidential'!K242","v":0},null,null,null,null,"Prior"]
[null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C243","v":0},{"$f":"'Step 2 NBIB Confidential'!K243","v":0},null,null,null,null,"Current",{"$f":"I101","v":0}]
[null,null,null,null,"Proposed",{"$f":"'Step 2 NBIB Confidential'!O185","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":"Commercial","index":22,"n_rows":215,"n_cols":6,"rows_kept":215,"cut":false,"hidden":true,"merged":[[1,1,1,2],[1,3,1,5],[0,0,0,5]]}
["Commercial Vehicles"]
[null,"Class Code"]
["Rating Class Table* Note any other classes at row 134","Light","Heavy","Inforce Exposures","Premium","Premium (%)"]
["All Terrain Vehicles:"]
["GVW not more than 1 tonne (2,200 lbs.)"]
["GVW more than 1 tonne (2,200 lbs.)"]
["Ambulances -"]
["Armored Cars",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.",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\ndelivery is not permitted."]
["Automobile Hauling - See Truckmen"]
["Auto accessories & parts"]
["Retail delivery",43,45]
["Wholesale delivery",36,44]
["Bakery and Distributors",44,45]
["Brewers and Distributors",45,45]
["Building Materials- including bricks and blocks (excluding dump trucks)",46,46]
["Buses"]
["Butchers: Wholesale Butchers - see Meat Packers"]
["Retail delivery",43,45]
["Caterers",43,45]
["Canteen vendors, including Chip Wagons",43,45]
[" Equipped with a deep fat fryer"]
["Cement Blocks- see Building Materials"]
["Cement mixer (Mix-in transit)",45,45]
["Chemical Products - see Dangerous Goods"]
["Chip wagons",43,45]
["Chip Hauling (Wood) - see Logs"]
["Cleaners & Dyers",44,45]
["Coal & Wood Dealers",44,44]
["Commercial cleaning service for others"]
["Contractors",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)",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) ",44,44]
["Dairies and Distributors",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",48,48]
["Explosives Manufacturers and Distributors. ",48,48]
["Petroleum Products",48,48]
["Radioactive Materials. ",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)",43,45]
["Excluding retail delivery",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",43,45]
["Dry cleaners"]
["Dump Trucks not otherwise classified",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",55,55]
["Farm Trucks - not applicable to Greenhouse operators or Horticulturists",33,34]
["Fast Food Delivery - See meals"]
["Fast food delivery / meal delivery"]
["Fertilizer hauling"]
["Fertilizer hauling - for self"]
["Fire Department Trucks",53,53]
["Fisherman",33,34]
["Fisherman - for self"]
["Fish and Seafood Distributors"]
["Retail Delivery",43,45]
["Wholesale Delivery",46,46]
["Florists"]
["Including retail or wholesale delivery",43,45]
["excluding delivery - see Gardeners"]
["Food and Beverage Vendors - See Canteen Vendors"]
["Fruit Dealers"]
["Retail Delivery",43,45]
["Wholesale Delivery",46,46]
["Fuel Dealers - Solid Fuel see Coal & Wood; Other see Dangerous Goods"]
["Funeral Vehicles"]
["Furniture Manufactors and Distributors",46,46]
["Garbage and Recycling Trucks (equipped with compactors, lift fork or roll off containers)",45,45]
["Gardeners/garden centers"]
["Gardeners & Horticulturists:"]
["Including delivery (retail or wholesale)",43,45]
["Excluding delivery (retial or wholesale)",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",55,"n/a"]
["Grain hauling"]
["Grain hauling - for self"]
["Gravel - see Sand"]
["Greenhouse Operators - see Gardeners"]
["Grocers"]
["Retail Delivery",43,45]
["Wholesale Delivery",46,46]
["Hardware stores- including delivery (retail or wholesale)",43,45]
["Hay hauling"]
["Hay hauling - for self"]
["Hazardous Cargo"]
["(81-160km)",61]
["(161-400km)",62]
["(401-750km)",63]
["over 750km)",64]
["Home repair contractor"]
["Horticulturalists - with delivery see Florists:otherwise Gardeners"]
["HVAC contractor"]
["Ice Cream Manufactors and Distributors",44,45]
["Ice Cream Vendors",43,45]
["Ice Dealers",44,45]
["Industrial machinery manufacturing/distribution",36,44]
["Industrial trucks - see On- premises Trucks"]
["Inerurban Vehicles - see Truckmen"]
["Knacker – bone / tallow / animal fat"]
["Landscaping"]
["Landscape gardeners see Gardeners"]
["Laundries",44,45]
["Lawn Mowers",55]
["Lawn Service",36,44]
["If applying chemicals (e.g.fertilizer, pesticides) see Dangerous Goods"]
["Livestock"]
["Maximum Radius 80 km (50 miles)",46,46]
["Radius beyond 80 km (50 miles)"]
["Livestock - for self"]
["Livestock hauling"]
["Log, Wood Chips, Puplwood"]
["Maximum Radius 80 km (50 miles)",41,41]
["Lumber dealers",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)",43,45]
["Meat Packers and Dealers",49,49]
["Meat / poultry / fish / seafood"]
["Messenger Service - see Courier Service"]
["Motorcycles designed for and used as a commercial vehicle",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",49,49]
["Smaller cities and towns - see Delivery"]
["Nurserymen - see Gardners"]
["Oil drilling, exploration, and seismography",54,54]
["Oil Tank Trucks - see Dangerous Goods"]
["On -premisies Trucks (unlicensed)",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",43,45]
["Wholesale Delivery",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",53,53]
["Poultry Dealers"]
["Retail Delivery",43,45]
["Wholesale Delivery",46,46]
["Produce Dealers"]
["Retail Delivery",43,45]
["Wholesale Delivery",46,46]
["Public Service  Vehicles(e.g. hydro or telephone)",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",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",36,44]
[]
[]
["Sand, gravel, stone, earth hauling ",42,42]
["Sand and gravel hauling - pay-per-load"]
["Scrap (metal, paper, rags) Recycling , Junk Removal",49,49]
["Sewer and Septic Tank Cleaning",43,44]
["Slip Tanks",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":"IAO PPV Comparison","index":23,"n_rows":191,"n_cols":10,"rows_kept":191,"cut":false,"hidden":true,"merged":[[77,1,77,3],[158,0,159,0],[158,1,158,3],[158,4,158,6],[125,0,126,0],[125,1,125,3],[125,4,125,6],[141,0,142,0],[141,1,141,3],[141,4,141,6],[109,1,109,3],[109,4,109,6],[157,0,157,6],[77,4,77,6],[78,4,78,6],[109,7,109,9],[120,0,120,3],[121,1,121,3],[90,0,91,0],[90,1,90,3],[90,4,90,6],[90,7,90,9],[0,0,0,8],[1,0,1,1],[1,7,1,8],[2,0,2,1],[2,2,2,4],[2,7,2,8],[1,2,1,6],[7,7,7,9],[8,0,8,9],[9,0,9,7],[9,8,9,9],[4,7,4,8],[5,0,5,2],[5,7,5,9],[6,0,6,2],[6,7,6,9],[3,0,3,2],[3,3,3,5],[3,7,3,9],[4,0,4,2],[4,3,4,5],[10,0,10,7],[10,8,10,9],[11,0,11,7],[11,8,11,9],[12,0,13,2],[12,3,14,9],[14,0,14,2],[20,0,20,4],[15,8,15,9],[16,8,16,9],[19,5,21,9],[21,0,21,4],[15,0,15,7],[16,0,16,7],[17,0,18,1],[17,2,18,9],[19,0,19,1],[19,2,19,4],[22,0,22,9],[76,0,76,6],[89,0,89,9],[108,0,108,9],[124,0,124,6],[36,0,36,4],[36,5,36,9],[109,0,110,0],[62,0,62,4],[62,5,62,9],[77,0,79,0],[78,1,78,3],[49,0,49,4],[49,5,49,9],[23,0,23,4],[23,5,23,9]]}
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[{"$f":"'Start Here NBIB Cover Sheet'!A4:B4","v":"Company Name"},null,{"$f":"'Start Here NBIB Cover Sheet'!C4","v":0},null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!J4","v":"Date of Filing:"},null,{"$f":"'Start Here NBIB Cover Sheet'!N1","v":4.01}]
[{"$f":"'Start Here NBIB Cover Sheet'!F5","v":"Company Short Name"},null,{"$f":"'Start Here NBIB Cover Sheet'!H5","v":{"$error":"#N/A"}},null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!L4","v":0}]
[{"$f":"'Start Here NBIB Cover Sheet'!A7","v":"Filing Type:"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!D7:F7","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!M4","v":"00:00:00"}]
[{"$f":"'Start Here NBIB Cover Sheet'!A8:C8","v":"Vehicle Type:"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!D8:E8","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!J5","v":"Amendment Date(s):"}]
[{"$f":"'Start Here NBIB Cover Sheet'!A9:C9","v":"Overall Selected Rate Change:"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!D9","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!M5","v":"00:00:00"}]
[{"$f":"'Start Here NBIB Cover Sheet'!A10:C10","v":"Indicated Rate change"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!D10","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!M7","v":"00:00:00"}]
[null,{"$f":"'Start Here NBIB Cover Sheet'!E1","v":"Billing Number:"},null,{"$f":"'Start Here NBIB Cover Sheet'!H1","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!M8","v":"00:00:00"}]
[{"$f":"'Step 2 NBIB Confidential'!C75","v":"IAO - Adopt Most recent Approved IAO Base Rates and Differentials Tables"}]
[{"$f":"'Step 2 NBIB Confidential'!D76","v":"IAO Rate Table currently being used (YEAR)"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C76","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D77","v":"IAO Rate Table proposed (YEAR)"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C77","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D78","v":"No deviation from IAO Rate Table"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C78","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D79","v":"Rationale for adopting IAO Rate Table: Go to IAO Comparison cell D15 to complete"}]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!D80","v":"Deviation to IAO base rates only"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C80","v":0}]
["Amount of deviation",null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!L80","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D81","v":"Rationale for deviation: Go to IAO Comparison cell C20 to complete"}]
[]
["Date of Approved IAO rates",null,"2019-03-22",null,null,"Private Passenger"]
["updated Apr 24, 2019kf (2018-251)"]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B690, Language!$A$690)","v":"2018 IAO Approved"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B578, Language!$A$578)","v":"Base Premiums"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B660, Language!$A$660)","v":"Bodily Injury (BI)"},null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B661, Language!$A$661)","v":"Property Damage (PD)"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B658, Language!$A$658)","v":"Territory"},"IAO",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B667, Language!$A$667)","v":"Proposed "},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B668, Language!$A$668)","v":"Different"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B669, Language!$A$669)","v":"Change(%)"},{"$f":"A25","v":"Territory"},"IAO",{"$f":"C25","v":"Proposed "},{"$f":"D25","v":"Different"},{"$f":"E25","v":"Change(%)"}]
[1,213.32,null,{"$f":"C26-B26","v":-213.32},{"$f":"D26/B26","v":-1},1,14.02,null,{"$f":"H26-G26","v":-14.02},{"$f":"I26/G26","v":-1}]
[2,211.03,null,-211.03,-1,2,13.87,null,-13.87,-1]
[3,239.24,null,-239.24,-1,3,15.72,null,-15.72,-1]
[4,277.08999999999997,null,-277.08999999999997,-1,4,18.21,null,-18.21,-1]
[5,236.26,null,-236.26,-1,5,15.53,null,-15.53,-1]
[6,268.83,null,-268.83,-1,6,17.670000000000002,null,-17.670000000000002,-1]
[7,243.37,null,-243.37,-1,7,16,null,-16,-1]
[8,206.67,null,-206.67,-1,8,13.58,null,-13.58,-1]
[9,261.02999999999997,null,-261.02999999999997,-1,9,17.16,null,-17.16,-1]
[10,220.66,null,-220.66,-1,10,14.5,null,-14.5,-1]
[11,195.2,null,-195.2,-1,11,12.83,null,-12.83,-1]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B662, Language!$A$662)","v":"Direct CompensationProperty Damage(DCPD)"},null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B663, Language!$A$663)","v":"Accident Benefits (AB)"}]
[{"$f":"A25","v":"Territory"},"IAO",{"$f":"C25","v":"Proposed "},{"$f":"D25","v":"Different"},"Change(%)",{"$f":"A38","v":"Territory"},"IAO",{"$f":"H25","v":"Proposed "},{"$f":"I25","v":"Different"},"Change(%)"]
[1,63.97,null,{"$f":"C39-B39","v":-63.97},{"$f":"D39/B39","v":-1},1,126.98,null,{"$f":"H39-G39","v":-126.98},{"$f":"I39/G39","v":-1}]
[2,63.29,null,-63.29,-1,2,121.45,null,-121.45,-1]
[3,71.75,null,-71.75,-1,3,120.98,null,-120.98,-1]
[4,83.1,null,-83.1,-1,4,203.95,null,-203.95,-1]
[5,70.849999999999994,null,-70.849999999999994,-1,5,118.39,null,-118.39,-1]
[6,80.62,null,-80.62,-1,6,129.22,null,-129.22,-1]
[7,72.98,null,-72.98,-1,7,119.69,null,-119.69,-1]
[8,61.98,null,-61.98,-1,8,99.8,null,-99.8,-1]
[9,78.28,null,-78.28,-1,9,125.57,null,-125.57,-1]
[10,66.17,null,-66.17,-1,10,92.38,null,-92.38,-1]
[11,58.54,null,-58.54,-1,11,93.33,null,-93.33,-1]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B664, Language!$A$664)","v":"Uninsured Motorist"},null,null,null,null,"Collision"]
[{"$f":"A38","v":"Territory"},"IAO",{"$f":"C38","v":"Proposed "},{"$f":"D38","v":"Different"},"Change(%)",{"$f":"A51","v":"Territory"},"IAO",{"$f":"H38","v":"Proposed "},{"$f":"I38","v":"Different"},"Change(%)"]
[1,6.46,null,{"$f":"C52-B52","v":-6.46},{"$f":"D52/B52","v":-1},1,108.81,null,{"$f":"H52-G52","v":-108.81},{"$f":"I52/G52","v":-1}]
[2,5.36,null,-5.36,-1,2,117.63,null,-117.63,-1]
[3,6.37,null,-6.37,-1,3,108.7,null,-108.7,-1]
[4,9.75,null,-9.75,-1,4,111.1,null,-111.1,-1]
[5,8.34,null,-8.34,-1,5,107.21,null,-107.21,-1]
[6,7.97,null,-7.97,-1,6,124.96,null,-124.96,-1]
[7,8.49,null,-8.49,-1,7,113.85,null,-113.85,-1]
[8,5.45,null,-5.45,-1,8,115.8,null,-115.8,-1]
[9,7.49,null,-7.49,-1,9,120.72,null,-120.72,-1]
[10,6.23,null,-6.23,-1,10,116.26,null,-116.26,-1]
[11,5.18,null,-5.18,-1,11,112.25,null,-112.25,-1]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B665, Language!$A$665)","v":"Comprehensive"},null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B666, Language!$A$666)","v":"Specified Perils"}]
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[2,63.38,null,-63.38,-1,2,18.29,null,-18.29,-1]
[3,44.2,null,-44.2,-1,3,12.76,null,-12.76,-1]
[4,46.65,null,-46.65,-1,4,13.46,null,-13.46,-1]
[5,46.85,null,-46.85,-1,5,13.52,null,-13.52,-1]
[6,40.4,null,-40.4,-1,6,11.66,null,-11.66,-1]
[7,41.95,null,-41.95,-1,7,12.11,null,-12.11,-1]
[8,62.13,null,-62.13,-1,8,17.93,null,-17.93,-1]
[9,44.7,null,-44.7,-1,9,12.9,null,-12.9,-1]
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[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B680, Language!$A$680)","v":"Limit Differentials"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B672,Language!$A$672)","v":"Limit (000)"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B687,Language!$A$687)","v":"BI & PD"},null,null,"END 44"]
[]
[null,"IAO",{"$f":"C64","v":"Proposed "},{"$f":"D64","v":"Different"},"IAO",{"$f":"C80","v":"Proposed "},{"$f":"D80","v":"Different"}]
[200,1,null,{"$f":"(C81-B81)/B81","v":-1},1,null,{"$f":"(F81-E81)/E81","v":-1}]
[300,1.21,null,-1,3,null,-1]
[500,1.468,null,-1,6,null,-1]
[1000,1.766,null,-1,11,null,-1]
[2000,1.9790000000000001,null,-1,19,null,-1]
[3000,2.06,null,-1,25,null,-1]
[5000,2.129,null,-1,35,null,{"$f":"(F87-E87)/E87","v":-1}]
[10000,2.1819999999999999,null,-1,55,null,{"$f":"(F88-E88)/E88","v":-1}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B670,Language!$A$670)","v":"Class Differentials"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B671,Language!$A$671)","v":"Class "},{"$f":"B78","v":"BI & PD"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B676,Language!$A$676)","v":"DCPD"},null,null,"Collision"]
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[12,1.7592481493626253,null,-1,1.1344593444200604,null,-1,1.7451276162327394,null,-1]
[13,1.7508530953146677,null,-1,1.1344593444200604,null,-1,1.674501321428322,null,-1]
[18,"---",null,{"$error":"#VALUE!"},"---",null,{"$error":"#VALUE!"},"---",null,{"$error":"#VALUE!"}]
[19,"---",null,{"$error":"#VALUE!"},"---",null,{"$error":"#VALUE!"},"---",null,{"$error":"#VALUE!"}]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B677,Language!$A$677)","v":"Driving Record Differentials"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B678,Language!$A$678)","v":"Driving Record  "},{"$f":"B91","v":"BI & PD"},null,null,{"$f":"E91","v":"DCPD"},null,null,"Collision"]
[null,"IAO",{"$f":"C92","v":"Proposed "},{"$f":"D92","v":"Different"},"IAO",{"$f":"F92","v":"Proposed "},{"$f":"G92","v":"Different"},"IAO",{"$f":"I92","v":"Proposed "},{"$f":"J92","v":"Different"}]
[null,0.53900000000000003,null,null,0.80500000000000005,null,null,0.56799999999999995]
["6",0.53900000000000003,null,{"$f":"(C113-B113)/B113","v":-1},0.872,null,{"$f":"(F113-E113)/E113","v":-1},0.59399999999999997,null,{"$f":"(I113-H113)/H113","v":-1}]
["5",0.76900000000000002,null,-1,0.93500000000000005,null,-1,0.89500000000000002,null,-1]
["4",0.96599999999999997,null,-1,0.96750000000000003,null,-1,0.995,null,-1]
["3",1,null,-1,1,null,-1,1,null,-1]
["2",1.036,null,-1,1.1439999999999999,null,-1,1.008,null,-1]
["1",1.2350000000000001,null,-1,1.1804999999999999,null,-1,1.268,null,-1]
["0",1.478,null,-1,1.2170000000000001,null,-1,1.446,null,-1]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B679,Language!$A$679)","v":"All perils Factor"}]
["IAO",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B688,Language!$A$688)","v":"1.00 x Comprehensive"}]
[{"$f":"C111","v":"Proposed "}]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B682,Language!$A$682)","v":"Deductible Differentials"}]
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[]
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[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B684,Language!$A$684)","v":"Clear Rate Group Differentials"}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B685,Language!$A$685)","v":"Rate Groups"},{"$f":"F37","v":"Accident Benefits (AB)"},null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B686,Language!$A$686)","v":"DCPD/Coll/Comp"}]
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[7,0.6,null,-1,0.89500000000000002,null,-1]
[8,0.72,null,-1,0.995,null,-1]
[9,0.86,null,-1,1.095,null,-1]
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[12,1.49,null,-1,1.395,null,-1]
[13,1.78,null,-1,1.4950000000000001,null,-1]
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[18,0,null,{"$error":"#DIV/0!"},1.9950000000000001,null,-1]
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[21,0,null,{"$error":"#DIV/0!"},2.2949999999999999,null,-1]
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[23,0,null,{"$error":"#DIV/0!"},2.4950000000000001,null,-1]
[24,0,null,{"$error":"#DIV/0!"},2.5950000000000002,null,-1]
[25,0,null,{"$error":"#DIV/0!"},2.6949999999999998,null,-1]
[26,0,null,{"$error":"#DIV/0!"},2.7949999999999999,null,-1]
[27,0,null,{"$error":"#DIV/0!"},2.895,null,-1]
[28,0,null,{"$error":"#DIV/0!"},2.9950000000000001,null,-1]
[29,0,null,{"$error":"#DIV/0!"},3.145,null,-1]
[30,0,null,{"$error":"#DIV/0!"},3.3450000000000002,null,-1]
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[{"$f":"'Step 2 NBIB Confidential'!C75","v":"IAO - Adopt Most recent Approved IAO Base Rates and Differentials Tables"}]
[{"$f":"'Step 2 NBIB Confidential'!D76","v":"IAO Rate Table currently being used (YEAR)"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C76","v":0}]
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[{"$f":"'Step 2 NBIB Confidential'!D78","v":"No deviation from IAO Rate Table"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C78","v":0}]
[{"$f":"'Step 2 NBIB Confidential'!D79","v":"Rationale for adopting IAO Rate Table: Go to IAO Comparison cell D15 to complete"}]
[]
[]
[{"$f":"'Step 2 NBIB Confidential'!D80","v":"Deviation to IAO base rates only"},null,null,null,null,null,null,null,{"$f":"'Step 2 NBIB Confidential'!C80","v":0}]
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[{"$f":"'Step 2 NBIB Confidential'!D81","v":"Rationale for deviation: Go to IAO Comparison cell C20 to complete"}]
[]
["Date of Approved IAO rates",null,"2018-09-05",null,null,"Commercial"]
[null,2018,"2019-02-21","kf"]
["2018 IAO Approved"]
["Base Premiums"]
["Bodily Injury (BI)",null,null,null,null,"Property Damage (PD)"]
["Territory","IAO","Proposed ","Different","Change(%)",{"$f":"A25","v":"Territory"},"IAO",{"$f":"C25","v":"Proposed "},{"$f":"D25","v":"Different"},"Change(%)"]
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[2,157.72999999999999,null,-157.72999999999999,-1,2,43.69,null,-43.69,-1]
[3,154.97,null,-154.97,-1,3,42.93,null,-42.93,-1]
[4,207.79,null,-207.79,-1,4,57.56,null,-57.56,-1]
[5,159.19999999999999,null,-159.19999999999999,-1,5,44.1,null,-44.1,-1]
[6,232.82,null,-232.82,-1,6,64.489999999999995,null,-64.489999999999995,-1]
[7,212.57,null,-212.57,-1,7,58.88,null,-58.88,-1]
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[9,251.59,null,-251.59,-1,9,69.69,null,-69.69,-1]
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["Direct CompensationProperty Damage(DCPD)",null,null,null,null,"Accident Benefits (AB)"]
["Territory","IAO","Proposed ","Different","Change(%)","Territory","IAO","Proposed ","Different","Change(%)"]
[1,57.68,null,{"$f":"C39-B39","v":-57.68},{"$f":"D39/B39","v":-1},1,56.26,null,{"$f":"H39-G39","v":-56.26},{"$f":"I39/G39","v":-1}]
[2,52.92,null,-52.92,-1,2,44.74,null,-44.74,-1]
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[10,61.63,null,-61.63,-1,10,48.4,null,-48.4,-1]
[11,55.27,null,-55.27,-1,11,39.78,null,-39.78,-1]
["Uninsured Motorist",null,null,null,null,"Collision"]
["Territory","IAO","Proposed ","Different","Change(%)","Territory","IAO","Proposed ","Different","Change(%)"]
[1,7.62,null,{"$f":"C52-B52","v":-7.62},{"$f":"D52/B52","v":-1},1,126.32,null,{"$f":"H52-G52","v":-126.32},{"$f":"I52/G52","v":-1}]
[2,7.46,null,-7.46,-1,2,131.30000000000001,null,-131.30000000000001,-1]
[3,7.5,null,-7.5,-1,3,93.5,null,-93.5,-1]
[4,10.63,null,-10.63,-1,4,105.35,null,-105.35,-1]
[5,8.36,null,-8.36,-1,5,95.93,null,-95.93,-1]
[6,9.42,null,-9.42,-1,6,112.13,null,-112.13,-1]
[7,8.51,null,-8.51,-1,7,104.08,null,-104.08,-1]
[8,8.35,null,-8.35,-1,8,117,null,-117,-1]
[9,9.07,null,-9.07,-1,9,105.14,null,-105.14,-1]
[10,7.83,null,-7.83,-1,10,88.1,null,-88.1,-1]
[11,7.69,null,-7.69,-1,11,98.68,null,-98.68,-1]
["Comprehensive",null,null,null,null,"Specified Perils"]
["Territory","IAO","Proposed ","Different","Change(%)","Territory","IAO","Proposed ","Different","Change(%)"]
[1,84.03,null,{"$f":"C65-B65","v":-84.03},{"$f":"D65/B65","v":-1},1,54.22,null,{"$f":"H65-G65","v":-54.22},{"$f":"I65/G65","v":-1}]
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[9,61.97,null,-61.97,-1,9,39.99,null,-39.99,-1]
[10,79.11,null,-79.11,-1,10,51.05,null,-51.05,-1]
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[]
["Limit Differentials"]
["Limit (000)","BI & PD",null,null,null,null,null,"END 44"]
[null,"Class "," 33-36, 43-47,53-55",null,"Class ",48]
[null,"IAO","Proposed ","Different","IAO","Proposed ","Different","IAO","Proposed ","Different"]
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[300,1.075,null,-1,1.1499999999999999,null,-1,3,null,-1]
[500,1.155,null,-1,1.31,null,-1,5,null,-1]
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[2000,1.357,null,-1,1.714,null,-1,15,null,-1]
[3000,1.4179999999999999,null,-1,1.8360000000000001,null,-1,20,null,-1]
[5000,1.4710000000000001,null,-1,1.9419999999999999,null,-1,26,null,{"$f":"(I87-H87)/H87","v":-1}]
[10000,1.512,null,-1,2.024,null,-1,36,null,{"$f":"(I88-H88)/H88","v":-1}]
[]
["Class Differentials"]
["Class ","BI & PD",null,null,"Direct CompensationProperty Damage(DCPD)",null,null,"Collision"]
[null,"IAO","Proposed ","Different","IAO","Proposed ","Different","IAO","Proposed ","Different"]
[33,0.47299999999999998,null,{"$f":"(C93-B93)/B93","v":-1},0.32100000000000001,null,{"$f":"(F93-E93)/E93","v":-1},0.64500000000000002,null,{"$f":"(I93-H93)/H93","v":-1}]
[34,0.22800000000000001,null,-1,0.34200000000000003,null,-1,0.59699999999999998,null,-1]
[35,1.034,null,-1,0.58899999999999997,null,-1,1.016,null,-1]
[36,1,null,-1,1,null,-1,1,null,-1]
[41,2.3969999999999998,null,-1,1.59,null,-1,3.3029999999999999,null,-1]
[42,2.1829999999999998,null,-1,1.3009999999999999,null,-1,2.2799999999999998,null,-1]
[43,1.625,null,-1,1.095,null,-1,1.012,null,-1]
[44,1.181,null,-1,0.42099999999999999,null,-1,0.78900000000000003,null,-1]
[45,1.2330000000000001,null,-1,0.5,null,-1,0.93500000000000005,null,-1]
[46,1.357,null,-1,0.54600000000000004,null,-1,0.92400000000000004,null,-1]
[48,2.0920000000000001,null,-1,0.41099999999999998,null,-1,0.95,null,-1]
[49,1.895,null,-1,1.127,null,-1,2.4550000000000001,null,-1]
[53,0.89600000000000002,null,-1,0.41799999999999998,null,-1,0.86399999999999999,null,-1]
[54,0.50900000000000001,null,-1,0.68899999999999995,null,-1,1.2050000000000001,null,-1]
[55,0.13400000000000001,null,-1,0.247,null,-1,0.45900000000000002,null,-1]
[]
["Driving Record Differentials"]
["Driving Record  ","BI & PD",null,null,"Direct CompensationProperty Damage(DCPD)",null,null,"Collision"]
[null,"IAO","Proposed ","Different","IAO","Proposed ","Different","IAO","Proposed ","Different"]
["6",0.67100000000000004,null,{"$f":"(C112-B112)/B112","v":-1},0.65929999999999989,null,{"$f":"(F112-E112)/E112","v":-1},0.71534999999999993,null,{"$f":"(I112-H112)/H112","v":-1}]
["5",0.68300000000000005,null,-1,0.69399999999999995,null,-1,0.753,null,-1]
["4",0.69599999999999995,null,-1,0.71099999999999997,null,-1,0.97399999999999998,null,-1]
["3",1,null,-1,1,null,-1,1,null,-1]
["2",1.44,null,-1,1.3380000000000001,null,-1,1.6379999999999999,null,-1]
["1",1.5279880000000001,null,-1,1.363,null,-1,1.706,null,-1]
["0",2.282,null,-1,1.7989999999999999,null,-1,2.4740000000000002,null,-1]
[]
["All perils Factor"]
["IAO","1.00 x Comprehensive"]
[{"$f":"C111","v":"Proposed "}]
[]
["Deductible Differentials"]
["Deductible",{"$f":"E110","v":"Direct CompensationProperty Damage(DCPD)"},null,null,"Collision"]
[null,"IAO",{"$f":"C111","v":"Proposed "},{"$f":"D111","v":"Different"},"IAO",{"$f":"F111","v":"Proposed "},{"$f":"G111","v":"Different"}]
[0,1,null,{"$f":"(C127-B127)/B127","v":-1}," "]
[100,null,null,null,1.01,null,{"$f":"(F128-E128)/E128","v":-1}]
[250,null,null,null,1,null,-1]
[500,null,null,null,0.98399999999999999,null,-1]
[1000,null,null,null,0.95099999999999996,null,-1]
[1500,null,null,null,0.91900000000000004,null,-1]
[2000,null,null,null,0.88900000000000001,null,-1]
[2500,null,null,null,0.85899999999999999,null,-1]
[3000,null,null,null,0.83099999999999996,null,-1]
[3500,null,null,null,0.80500000000000005,null,-1]
[4000,null,null,null,0.78,null,-1]
[4500,null,null,null,0.75600000000000001,null,-1]
[5000,null,null,null,0.73399999999999999,null,-1]
[6000,null,null,null,0.69399999999999995,null,-1]
[7000,null,null,null,0.65900000000000003,null,-1]
[8000,null,null,null,0.628,null,-1]
[9000,null,null,null,0.60099999999999998,null,-1]
[10000,null,null,null,0.57599999999999996,null,-1]
[11000,null,null,null,0.55500000000000005,null,-1]
[12000,null,null,null,0.53600000000000003,null,-1]
[13000,null,null,null,0.51900000000000002,null,-1]
[14000,null,null,null,0.504,null,-1]
[15000,null,null,null,0.49,null,-1]
[16000,null,null,null,0.47799999999999998,null,-1]
[17000,null,null,null,0.46700000000000003,null,-1]
[18000,null,null,null,0.45700000000000002,null,-1]
[19000,null,null,null,0.44800000000000001,null,-1]
[20000,null,null,null,0.44,null,-1]
[21000,null,null,null,0.433,null,-1]
[22000,null,null,null,0.42599999999999999,null,-1]
[23000,null,null,null,0.42,null,-1]
[24000,null,null,null,0.41399999999999998,null,-1]
[25000,null,null,null,0.40899999999999997,null,-1]
[{"$f":"A125","v":"Deductible"},{"$f":"A63","v":"Comprehensive"},null,null,{"$f":"F63","v":"Specified Perils"}]
[null,"IAO",{"$f":"C126","v":"Proposed "},{"$f":"D126","v":"Different"},{"$f":"E126","v":"IAO"},{"$f":"F126","v":"Proposed "},{"$f":"G126","v":"Different"}]
[0," ",null,null," "]
[25]
[50]
[100,1,null,{"$f":"(C165-B165)/B165","v":-1},1,null,{"$f":"(F165-E165)/E165","v":-1}]
[250,0.98399999999999999,null,-1,0.98399999999999999,null,-1]
[500,0.96,null,-1,0.96,null,-1]
[1000,0.91800000000000004,null,-1,0.91800000000000004,null,-1]
[1500,0.88400000000000001,null,-1,0.88400000000000001,null,-1]
[2000,0.85199999999999998,null,-1,0.85199999999999998,null,-1]
[2500,0.82699999999999996,null,-1,0.82699999999999996,null,-1]
[3000,0.80700000000000005,null,-1,0.80700000000000005,null,-1]
[3500,0.79300000000000004,null,-1,0.79300000000000004,null,-1]
[4000,0.78200000000000003,null,-1,0.78200000000000003,null,-1]
[4500,0.77300000000000002,null,-1,0.77300000000000002,null,-1]
[5000,0.76400000000000001,null,-1,0.76400000000000001,null,-1]
[6000,0.747,null,-1,0.747,null,-1]
[7000,0.73099999999999998,null,-1,0.73099999999999998,null,-1]
[8000,0.71599999999999997,null,-1,0.71599999999999997,null,-1]
[9000,0.70199999999999996,null,-1,0.70199999999999996,null,-1]
[10000,0.68899999999999995,null,-1,0.68899999999999995,null,-1]
[11000,0.67700000000000005,null,-1,0.67700000000000005,null,-1]
[12000,0.66500000000000004,null,-1,0.66500000000000004,null,-1]
[13000,0.65400000000000003,null,-1,0.65400000000000003,null,-1]
[14000,0.64400000000000002,null,-1,0.64400000000000002,null,-1]
[15000,0.63500000000000001,null,-1,0.63500000000000001,null,-1]
[16000,0.626,null,-1,0.626,null,-1]
[17000,0.61799999999999999,null,-1,0.61799999999999999,null,-1]
[18000,0.61,null,-1,0.61,null,-1]
[19000,0.60299999999999998,null,-1,0.60299999999999998,null,-1]
[20000,0.59699999999999998,null,-1,0.59699999999999998,null,-1]
[21000,0.59199999999999997,null,-1,0.59199999999999997,null,-1]
[22000,0.58599999999999997,null,-1,0.58599999999999997,null,-1]
[23000,0.58099999999999996,null,-1,0.58099999999999996,null,-1]
[24000,0.57699999999999996,null,-1,0.57699999999999996,null,-1]
[25000,0.57199999999999995,null,-1,0.57199999999999995,null,-1]
[]
["Rating Group Differentials"]
["Rate Groups","DCPD-Coll-Comp",null,null,{"$f":"E160","v":"Specified Perils"}]
[null,"IAO",{"$f":"C161","v":"Proposed "},{"$f":"D161","v":"Different"},"IAO",{"$f":"C200","v":"Proposed "},{"$f":"D200","v":"Different"}]
[1,0.19500000000000001,null,{"$f":"(C201-B201)/B201","v":-1},0.16900000000000001,null,{"$f":"(F201-E201)/E201","v":-1}]
[2,0.22900000000000001,null,-1,0.222,null,-1]
[3,0.26900000000000002,null,-1,0.26200000000000001,null,-1]
[4,0.33700000000000002,null,-1,0.313,null,-1]
[5,0.42699999999999999,null,-1,0.40300000000000002,null,-1]
[6,0.53500000000000003,null,-1,0.51200000000000001,null,-1]
[7,0.65800000000000003,null,-1,0.63800000000000001,null,-1]
[8,0.82699999999999996,null,-1,0.81399999999999995,null,-1]
[9,1,null,-1,1,null,-1]
[10,1.161,null,-1,1.175,null,-1]
[11,1.3089999999999999,null,-1,1.341,null,-1]
[12,1.45,null,-1,1.498,null,-1]
[13,1.6339999999999999,null,-1,1.7190000000000001,null,-1]
[14,1.8080000000000001,null,-1,1.93,null,-1]
[15,1.97,null,-1,2.13,null,-1]
[16,2.129,null,-1,2.3330000000000002,null,-1]
[17,2.2759999999999998,null,-1,2.5270000000000001,null,-1]
[18,2.4119999999999999,null,-1,2.71,null,-1]
[19,2.536,null,-1,2.8839999999999999,null,-1]
[20,2.649,null,-1,3.048,null,-1]
[21,2.7530000000000001,null,-1,3.202,null,-1]
[22,2.8610000000000002,null,-1,3.3639999999999999,null,-1]
[23,2.9729999999999999,null,-1,3.5339999999999998,null,-1]
[24,3.09,null,-1,3.7120000000000002,null,-1]
[25,3.2109999999999999,null,-1,3.9,null,-1]
[26,3.3380000000000001,null,-1,4.0970000000000004,null,-1]
[27,3.472,null,-1,4.3019999999999996,null,-1]
[28,3.6110000000000002,null,-1,4.5170000000000003,null,-1]
[29,3.7549999999999999,null,-1,4.7430000000000003,null,-1]
[30,3.9049999999999998,null,-1,4.9800000000000004,null,-1]
["Over 30",0.04,null,-1,0.05,null,-1]
[]
[null,null,null,null,2018,"Interurban"]
[null,null,"IAO Rates Effective",null,"2018-09-15"]
[{"$f":"A22","v":"2018 IAO Approved"}]
[{"$f":"A23","v":"Base Premiums"}]
[null,null,{"$f":"A24","v":"Bodily Injury (BI)"},null,null,{"$f":"F24","v":"Property Damage (PD)"},null,null,{"$f":"A37","v":"Direct CompensationProperty Damage(DCPD)"}]
[{"$f":"A25","v":"Territory"},null,"IAO",{"$f":"C200","v":"Proposed "},{"$f":"D200","v":"Different"},"IAO",{"$f":"D238","v":"Proposed "},{"$f":"E238","v":"Different"},"IAO",{"$f":"G238","v":"Proposed "},{"$f":"H238","v":"Different"}]
["All",null,483.79,null,{"$f":"(D239-C239)/C239","v":-1},232.08,null,{"$f":"(G239-F239)/F239","v":-1},88.39,null,{"$f":"(J239-I239)/I239","v":-1}]
[null,null,{"$f":"F34","v":9},null,null,{"$f":"A47","v":9},null,null,"Collision"]
[{"$f":"A238","v":"Territory"},null,{"$f":"C238","v":"IAO"},{"$f":"D238","v":"Proposed "},"Different","IAO","Proposed ","Different","IAO","Proposed ","Different"]
[{"$f":"A239","v":"All"},null,73.47,null,{"$f":"(D242-C242)/C242","v":-1},10.48,null,{"$f":"(G242-F242)/F242","v":-1},616.16999999999996,null,{"$f":"(J242-I242)/I242","v":-1}]
[null,null,{"$f":"A60","v":9},null,null,{"$f":"F60","v":9}]
[{"$f":"A238","v":"Territory"},null,"IAO",{"$f":"D241","v":"Proposed "},{"$f":"E241","v":"Different"},"IAO","Proposed ","Different"]
[{"$f":"A239","v":"All"},null,186.44,null,{"$f":"(D245-C245)/C245","v":-1},64.180000000000007,null,{"$f":"(G245-F245)/F245","v":-1}]
[]
[{"$f":"A109","v":"Driving Record Differentials"}]
[{"$f":"A110","v":"Driving Record  "},{"$f":"B110","v":"BI & PD"},null,null,{"$f":"B125","v":"Direct CompensationProperty Damage(DCPD)"},null,null,"Collision"]
[null,{"$f":"B111","v":"IAO"},{"$f":"C111","v":"Proposed "},"Different","IAO","Proposed ","Different","IAO","Proposed ","Different"]
[6,0.67100000000000004,null,{"$f":"(C250-B250)/B250","v":-1},0.65900000000000003,null,{"$f":"(F250-E250)/E250","v":-1},0.71499999999999997,null,{"$f":"(I250-H250)/H250","v":-1}]
[5,0.68300000000000005,null,{"$f":"(C251-B251)/B251","v":-1},0.69399999999999995,null,{"$f":"(F251-E251)/E251","v":-1},0.753,null,{"$f":"(I251-H251)/H251","v":-1}]
[4,0.69599999999999995,null,-1,0.71099999999999997,null,-1,0.97399999999999998,null,-1]
[3,1,null,-1,1,null,-1,1,null,-1]
[2,1.44,null,-1,1.3380000000000001,null,-1,1.6379999999999999,null,-1]
[1,1.528,null,-1,1.363,null,-1,1.706,null,-1]
[0,2.282,null,-1,1.7989999999999999,null,-1,2.4740000000000002,null,-1]
[]
[{"$f":"A90","v":"Class Differentials"}]
[null,{"$f":"B248","v":"BI & PD"},null,null,{"$f":"E248","v":"Direct CompensationProperty Damage(DCPD)"}]
[{"$f":"A91","v":"Class "},{"$f":"B249","v":"IAO"},{"$f":"C249","v":"Proposed "},"Different","IAO","Proposed ","Different"]
[48,1,null,{"$f":"(C261-B261)/B261","v":-1},1,null,{"$f":"(F261-E261)/E261","v":-1}]
[61,1.1990000000000001,null,{"$f":"(C262-B262)/B262","v":-1},1.377,null,{"$f":"(F262-E262)/E262","v":-1}]
[62,1,null,-1,1,null,-1]
[63,1,null,-1,1,null,-1]
[64,1,null,-1,1,null,-1]
[99,0.85599999999999998,null,-1,1.29,null,-1]
[]
[{"$f":"A124","v":"Deductible Differentials"}]
[null,"Collision",null,null,"Comp/Spec. Perils"]
[{"$f":"A125","v":"Deductible"},{"$f":"B260","v":"IAO"},{"$f":"C260","v":"Proposed "},"Different","IAO","Proposed ","Different"]
[0,0,null," ",0]
[100,1.0029999999999999,null,{"$f":"(C272-B272)/B272","v":-1},1,null,{"$f":"(F272-E272)/E272","v":-1}]
[250,1,null,-1,0.996,null,-1]
[500,0.99399999999999999,null,-1,0.98799999999999999,null,-1]
[1000,0.98299999999999998,null,-1,0.97399999999999998,null,-1]
[1500,0.97199999999999998,null,-1,0.95899999999999996,null,-1]
[2000,0.96,null,-1,0.94699999999999995,null,-1]
[2500,0.94899999999999995,null,-1,0.93500000000000005,null,-1]
[3000,0.93700000000000006,null,-1,0.92300000000000004,null,-1]
[3500,0.92600000000000005,null,-1,0.91100000000000003,null,-1]
[4000,0.91500000000000004,null,-1,0.9,null,-1]
[4500,0.90400000000000003,null,-1,0.89100000000000001,null,-1]
[5000,0.89300000000000002,null,-1,0.88100000000000001,null,-1]
[6000,0.871,null,-1,0.86199999999999999,null,-1]
[7000,0.85,null,-1,0.84299999999999997,null,-1]
[8000,0.83,null,-1,0.82599999999999996,null,-1]
[9000,0.81,null,-1,0.81200000000000006,null,-1]
[10000,0.79100000000000004,null,-1,0.79900000000000004,null,-1]
[11000,0.77300000000000002,null,-1,0.78500000000000003,null,-1]
[12000,0.755,null,-1,0.77500000000000002,null,-1]
[13000,0.73799999999999999,null,-1,0.76800000000000002,null,-1]
[14000,0.72099999999999997,null,-1,0.76,null,-1]
[15000,0.70499999999999996,null,-1,0.753,null,-1]
[16000,0.69,null,-1,0.747,null,-1]
[17000,0.67500000000000004,null,-1,0.74199999999999999,null,-1]
[18000,0.66100000000000003,null,-1,0.73699999999999999,null,-1]
[19000,0.64800000000000002,null,-1,0.73199999999999998,null,-1]
[20000,0.63500000000000001,null,-1,0.72699999999999998,null,-1]
[21000,0.623,null,-1,0.72199999999999998,null,-1]
[22000,0.61099999999999999,null,-1,0.71699999999999997,null,-1]
[23000,0.59899999999999998,null,-1,0.71199999999999997,null,-1]
[24000,0.58799999999999997,null,-1,0.70799999999999996,null,-1]
[25000,0.57699999999999996,null,-1,0.70099999999999996,null,-1]
[]
[{"$f":"A77","v":"Limit Differentials"}]
[" ",{"$f":"B248","v":"BI & PD"},null,null,null,null,null,"END 44"]
[null,{"$f":"A91","v":"Class "},null,null,{"$f":"B307","v":"Class "}]
[{"$f":"A78","v":"Limit (000)"},"61-64",null,null,"48*"]
[null,{"$f":"B270","v":"IAO"},"Proposed ","Different","IAO","Proposed ","Different",{"$f":"E309","v":"IAO"},{"$f":"F309","v":"Proposed "},"Different"]
[200,1,null,{"$f":"(C310-B310)/B310","v":-1},1,null,{"$f":"(F310-E310)/E310","v":-1},1,null,{"$f":"(I310-H310)/H310","v":-1}]
[300,1.075,null,-1,1.1499999999999999,null,-1,3,null,-1]
[500,1.155,null,-1,1.31,null,-1,5,null,-1]
[1000,1.224,null,-1,1.448,null,-1,9,null,-1]
[2000,1.357,null,-1,1.714,null,-1,15,null,-1]
[3000,1.4179999999999999,null,-1,1.8359999999999999,null,-1,20,null,-1]
[5000,1.4710000000000001,null,{"$f":"(C316-B316)/B316","v":-1},1.9420000000000002,null,-1,26,null,-1]
[10000,1.512,null,{"$f":"(C317-B317)/B317","v":-1},2.024,null,-1,36,null,-1]
["*  Excludes radioactive transport."]
[{"$f":"A198","v":"Rating Group Differentials"}]
[{"$f":"A199","v":"Rate Groups"},{"$f":"B199","v":"DCPD-Coll-Comp"},null,null,{"$f":"E199","v":"Specified Perils"}]
[null,{"$f":"B309","v":"IAO"},{"$f":"C309","v":"Proposed "},"Different","IAO","Proposed ","Different"]
[1,0.17799999999999999,null,{"$f":"(C322-B322)/B322","v":-1},0.16800000000000001,null,{"$f":"(F322-E322)/E322","v":-1}]
[2,0.22,null,-1,0.20899999999999999,null,-1]
[3,0.26700000000000002,null,-1,0.253,null,-1]
[4,0.32500000000000001,null,-1,0.316,null,-1]
[5,0.41599999999999998,null,-1,0.39800000000000002,null,-1]
[6,0.52600000000000002,null,-1,0.502,null,-1]
[7,0.65200000000000002,null,-1,0.627,null,-1]
[8,0.82399999999999995,null,-1,0.80700000000000005,null,-1]
[9,1,null,-1,1,null,-1]
[10,1.161,null,-1,1.1859999999999999,null,-1]
[11,1.3089999999999999,null,-1,1.3640000000000001,null,-1]
[12,1.444,null,-1,1.5369999999999999,null,-1]
[13,1.63,null,-1,1.786,null,-1]
[14,1.8,null,-1,2.0259999999999998,null,-1]
[15,1.9570000000000001,null,-1,2.2440000000000002,null,-1]
[16,2.11,null,-1,2.468,null,-1]
[17,2.25,null,-1,2.6840000000000002,null,-1]
[18,2.3780000000000001,null,-1,2.8929999999999998,null,-1]
[19,2.4950000000000001,null,-1,3.0939999999999999,null,-1]
[20,2.6019999999999999,null,-1,3.2879999999999998,null,-1]
[21,2.7,null,-1,3.4750000000000001,null,-1]
[22,2.7879999999999998,null,-1,3.6539999999999999,null,-1]
[23,2.8639999999999999,null,-1,3.8239999999999998,null,-1]
[24,2.927,null,-1,3.9809999999999999,null,-1]
[25,2.9769999999999999,null,-1,4.1239999999999997,null,-1]
[26,3.0129999999999999,null,-1,4.25,null,-1]
[27,3.0339999999999998,null,-1,4.359,null,-1]
[28,3.04,null,-1,4.4480000000000004,null,-1]
[29,3.0449999999999999,null,-1,4.516,null,-1]
[30,3.0510000000000002,null,-1,4.5620000000000003,null,-1]
[null,"Additional differential per Rate Group:"]
["Over 30","(as a % of prior Rate Group)"]
[null,2E-3,null,{"$f":"(C354-B354)/B354","v":-1},0.01,null,{"$f":"(F354-E354)/E354","v":-1}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3='Drop Down'!$A$5,Language!B771,Language!$A$771)","v":"Over 30"},{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B783, Language!$A$783)","v":"(as a % of prior Rate Group)"}]
[null,2E-3,null,{"$f":"(C356-B356)/B356","v":-1},0.01,null,{"$f":"(F356-E356)/E356","v":-1}]

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["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,{"$f":"'Review Summary - Cover Sheet'!#REF!","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vehicle Class",null,{"$f":"'Review Summary - Cover Sheet'!#REF!","v":{"$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,{"$f":"'Step 2 NBIB Confidential'!I243","v":0},null,null,{"$f":"'Review Summary - Cover Sheet'!#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'!C239","v":0},{"$f":"'Step 2 NBIB Confidential'!D239","v":0},{"$f":"'Step 2 NBIB Confidential'!E239","v":0},{"$f":"'Step 2 NBIB Confidential'!F239","v":0},{"$f":"'Step 2 NBIB Confidential'!G239","v":0},{"$f":"'Step 2 NBIB Confidential'!H239","v":0},{"$f":"'Step 2 NBIB Confidential'!I239","v":0},{"$f":"'Step 2 NBIB Confidential'!J239","v":0},{"$f":"'Step 2 NBIB Confidential'!K239","v":0},{"$f":"'Step 2 NBIB Confidential'!L239","v":0}]
["3rd Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C240","v":0},{"$f":"'Step 2 NBIB Confidential'!D240","v":0},{"$f":"'Step 2 NBIB Confidential'!E240","v":0},{"$f":"'Step 2 NBIB Confidential'!F240","v":0},{"$f":"'Step 2 NBIB Confidential'!G240","v":0},{"$f":"'Step 2 NBIB Confidential'!H240","v":0},{"$f":"'Step 2 NBIB Confidential'!I240","v":0},{"$f":"'Step 2 NBIB Confidential'!J240","v":0},{"$f":"'Step 2 NBIB Confidential'!K240","v":0},{"$f":"'Step 2 NBIB Confidential'!L240","v":0}]
["2nd Prior Accident Year",null,{"$f":"'Step 2 NBIB Confidential'!C241","v":0},{"$f":"'Step 2 NBIB Confidential'!D241","v":0},{"$f":"'Step 2 NBIB Confidential'!E241","v":0},{"$f":"'Step 2 NBIB Confidential'!F241","v":0},{"$f":"'Step 2 NBIB Confidential'!G241","v":0},{"$f":"'Step 2 NBIB Confidential'!H241","v":0},{"$f":"'Step 2 NBIB Confidential'!I241","v":0},{"$f":"'Step 2 NBIB Confidential'!J241","v":0},{"$f":"'Step 2 NBIB Confidential'!K241","v":0},{"$f":"'Step 2 NBIB Confidential'!L241","v":0}]
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[]
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[]
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[]
["Territory Distribution"]
[null,"Data Sources:",null," Confidential Summary Sheet",null,null,"Table 1 Current Written Exposures"]
["fill in all blue shaded areas"]
["Standard Market",null,null,null,null,null,null,null,null,null,null,"NA",null,"NA",null,"NA"]
["Territory Distribution:",null,"GISA Auto 3003 2013 Data",null,null,null,null,null,null,"Comm",null,"ATV",null,"SV",null,"MC"]
["Territory","Company Exposures (Column O)","Company Dist'n","COMM Industry Exposure","COMM Industry Dist'n",null,null,null,null,"Industry Exposure","Industry Dist'n","Industry Exposure","Industry Dist'n","Industry Exposure","Industry Dist'n","Industry Exposure","Industry Dist'n"]
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["Prov",{"$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'!E563","v":0},{"$f":"'Step 2 NBIB Confidential'!F563","v":0},{"$f":"'Step 2 NBIB Confidential'!G563","v":0},{"$f":"'Step 2 NBIB Confidential'!H563","v":0},{"$f":"'Step 2 NBIB Confidential'!I563","v":0}]
["ROE Implied by Selected Rate Change",null,{"$f":"'Step 2 NBIB Confidential'!E564","v":0},{"$f":"'Step 2 NBIB Confidential'!F564","v":0},{"$f":"'Step 2 NBIB Confidential'!G564","v":0},{"$f":"'Step 2 NBIB Confidential'!H564","v":0},{"$f":"'Step 2 NBIB Confidential'!I564","v":0}]
[]
["Average Premium and Expenses"]
[null,"Data Source:","Actuarial Summary Sheet and Assumption Chart History"]
["Average Premium",null,"Cell H45",null,"Assumption Chart History",null,null,"Expenses","Cell G524",null,"Assumption Chart History"]
[null,null,"Average Proposed Premium After Capping",null,"Year","Average Proposed Premium After Capping\n",null,null,"Total Expenses (Excluding Health Services Levy) as % of Premium",null,"Year","Total Expenses (Excluding Health Levy) as % of Premium"]
[null,2014,{"$f":"'Step 2 NBIB Confidential'!O162","v":0},null,2010,null,null,2014,{"$f":"'Step 2 NBIB Confidential'!G537","v":0},null,2010]
[null,null,null,null,2011,null,null,null,null,null,2011]
[null,null,null,null,2012,null,null,null,null,null,2012]
[null,null,null,null,2013,null,null,null,null,null,2013]
[null,null,null,null,2014,{"$f":"C163","v":0},null,null,null,null,2014,{"$f":"I163","v":0}]

{"sheet":"Calc Weighted Avg","index":26,"n_rows":39,"n_cols":4,"rows_kept":39,"cut":false,"hidden":true,"merged":[[0,0,0,2],[13,0,13,2],[26,0,26,3]]}
["Personal Use"]
["Class","Exposures","Rate Change"]
["ATV",942,0]
["Ant",29,22.06]
["CT",2093,0]
["MC",250,22.22]
["MC+MPD",1012,-17.75]
["MH"]
["SV"]
[null,null,0]
["Totals",{"$f":"SUM(B3:B10)","v":4326},{"$f":"SUM(C3:C10)/100","v":0.26530000000000004}]
[null,null,{"$f":"SUMPRODUCT(B3:B6,C3:C6)/B11/100","v":1.4319787332408691E-2},"Overall Weighted Average of Group Rate Change"]
[]
["Public Use"]
["Class","Exposures","Rate Change"]
["Amb",942,0]
["Pr-Bus",29,22.06]
["Pu-Bus",2093,0]
["S-Bus",250,22.22]
["Taxi",1012,-17.75]
[]
[]
[null,null,0]
["Totals",{"$f":"SUM(B16:B23)","v":4326},{"$f":"SUM(C16:C23)/100","v":0.26530000000000004}]
[null,null,{"$f":"SUMPRODUCT(B16:B19,C16:C19)/B24/100","v":1.4319787332408691E-2},"Overall Weighted Average of Group Rate Change"]
[]
["IAO Miscellaneous Filings - Personal Use"]
["Class","Exposures","Rate Change"]
["ATV",942,0]
["Ant",29,22.06]
["CT",2093,0]
["MC",250,22.22]
["MC+MPD"]
["MH"]
["SV"]
[]
[null,1012,-17.75]
["Totals",{"$f":"SUM(B29:B37)","v":4326},{"$f":"SUM(C29:C37)","v":26.53}]
[null,null,{"$f":"SUMPRODUCT(B29:B32,C29:C32)/B38/100","v":1.4319787332408691E-2},"Overall Weighted Average of Group Rate Change"]

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["NBIB IAO COMPARISION SHEET",null,null,null,null,null,null,null,null,"Version"]
["Company Name",null,0,null,null,null,null,"Date of Filing:",null,4.0999999999999996]
["Company Short Name",null,{"$error":"#N/A"},null,null,null,null,"YYYY-MM-DD"]
["Filing Type:",null,null,0,null,null,null,"00:00:00"]
["Vehicle Type:",null,null,0,null,null,null,"Amendment Date(s):"]
["Overall Selected Rate Change:",null,null,0,null,null,null,"00:00:00"]
["Indicated Rate change",null,null,0,null,null,null,"00:00:00"]
[null,"Billing Number:",null,0,null,null,null,"00:00:00"]
["IAO - Adopt Most recent Approved IAO Base Rates and Differentials Tables"]
["IAO Rate Table currently being used (YEAR)",null,null,null,null,null,null,null,0]
["IAO Rate Table proposed (YEAR)",null,null,null,null,null,null,null,0]
["No deviation from IAO Rate Table",null,null,null,null,null,null,null,0,null,"Approval Dates"]
["Rationale for adopting IAO Rate Table: Go to IAO Comparison cell D15 to complete",null,null,null,null,null,null,null,null,null,{"$f":"C20","v":"2018-09-11"},"Ambulance"]
[null,null,null,null,null,null,null,null,null,null,"2019-02-12","ATV/SV"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"C207","v":"2018-09-11"},"Buses"]
["Deviation to IAO base rates only",null,null,null,null,null,null,null,0,null,{"$f":"C486","v":"2018-03-27"},"Motorhomes/Trailers/Camper Units"]
["Amount of deviation",null,null,null,null,null,null,null,0,null,{"$f":"C595","v":"2018-03-27"},"Motorcycle/Mopeds"]
["Rationale for deviation: Go to IAO Comparison cell C20 to complete",null,null,null,null,null,null,null,null,null,{"$f":"C707","v":"2018-09-11"},"Taxi"]
[]
["Date of Approved IAO rates",null,"2018-09-11",null,null,"Ambulance"]
[]
["2018 IAO Approved"]
["Base Premiums"]
["Type",null,null,null,null,"IAO","Proposed ","Different","Change(%)"]
["Ambulance","Property Damage (PD)",null,null,null,39.71,null,{"$f":"G25-F25","v":-39.71},{"$f":"H25/F25","v":-1}]
["Ambulance","Accident Benefits (AB)",null,null,null,167.05,null,{"$f":"G26-F26","v":-167.05},{"$f":"H26/F26","v":-1}]
[null,"Uninsured Motorist",null,null,null,11.6,null,{"$f":"G27-F27","v":-11.6},{"$f":"H27/F27","v":-1}]
["Type of Use Differentials"]
["Type of Use  ",null,"Bodily Injury (BI)",null,null,null,"Direct CompensationProperty Damage(DCPD)"]
[null,null,"IAO",{"$f":"G24","v":"Proposed "},{"$f":"H24","v":"Different"},{"$f":"I24","v":"Change(%)"},"IAO",{"$f":"G24","v":"Proposed "},{"$f":"H24","v":"Different"},{"$f":"I24","v":"Change(%)"}]
["Public-Emergency",null,1,null,{"$f":"D31-C31","v":-1},{"$f":"E31/C31","v":-1},1,null,{"$f":"H31-G31","v":-1},{"$f":"I31/G31","v":-1}]
["Public - No emergency",null,0.6,null,{"$f":"D32-C32","v":-0.6},{"$f":"E32/C32","v":-1},0.5,null,{"$f":"H32-G32","v":-0.5},{"$f":"I32/G32","v":-1}]
["Private",null,0.6,null,{"$f":"D33-C33","v":-0.6},{"$f":"E33/C33","v":-1},0.5,null,{"$f":"H33-G33","v":-0.5},{"$f":"I33/G33","v":-1}]
[{"$f":"A29","v":"Type of Use  "},null,"Accident Benefits and UA",null,null,null,"Collision"]
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[{"$f":"A31","v":"Public-Emergency"},null,1,null,{"$f":"D36-C36","v":-1},{"$f":"E36/C36","v":-1},1,null,{"$f":"H36-G36","v":-1},{"$f":"I36/G36","v":-1}]
[{"$f":"A32","v":"Public - No emergency"},null,1,null,{"$f":"D37-C37","v":-1},{"$f":"E37/C37","v":-1},0.5,null,{"$f":"H37-G37","v":-0.5},{"$f":"I37/G37","v":-1}]
[{"$f":"A33","v":"Private"},null,1,null,{"$f":"D38-C38","v":-1},{"$f":"E38/C38","v":-1},0.5,null,{"$f":"H38-G38","v":-0.5},{"$f":"I38/G38","v":-1}]
[{"$f":"A29","v":"Type of Use  "},null,"Comprehensive",null,null,null,"Specified Perils"]
[null,null,"IAO",{"$f":"G24","v":"Proposed "},{"$f":"H24","v":"Different"},{"$f":"I24","v":"Change(%)"},"IAO",{"$f":"G24","v":"Proposed "},{"$f":"H24","v":"Different"},{"$f":"I24","v":"Change(%)"}]
[{"$f":"A31","v":"Public-Emergency"},null,1,null,{"$f":"D41-C41","v":-1},{"$f":"E41/C41","v":-1},1,null,{"$f":"H41-G41","v":-1},{"$f":"I41/G41","v":-1}]
[{"$f":"A32","v":"Public - No emergency"},null,0.5,null,{"$f":"D42-C42","v":-0.5},{"$f":"E42/C42","v":-1},0.5,null,{"$f":"H42-G42","v":-0.5},{"$f":"I42/G42","v":-1}]
[{"$f":"A38","v":"Private"},null,0.5,null,{"$f":"D43-C43","v":-0.5},{"$f":"E43/C43","v":-1},0.5,null,{"$f":"H43-G43","v":-0.5},{"$f":"I43/G43","v":-1}]
[]
["Limit Differentials"]
["Limit","Property Damage (PD)"]
[null,"IAO",{"$f":"G24","v":"Proposed "},{"$f":"H24","v":"Different"},{"$f":"I24","v":"Change(%)"}]
[5000,1,null,{"$f":"C48-B48","v":-1},{"$f":"D48/B48","v":-1}]
[10000,1.649,null,{"$f":"C49-B49","v":-1.649},{"$f":"D49/B49","v":-1}]
[25000,2.7469999999999999,null,{"$f":"C50-B50","v":-2.7469999999999999},{"$f":"D50/B50","v":-1}]
[50000,3.6669999999999998,null,{"$f":"C51-B51","v":-3.6669999999999998},{"$f":"D51/B51","v":-1}]
[]
[]
["PPA (Class 7) Factors"]
[null,"All Territories"]
[null,"IAO",{"$f":"G24","v":"Proposed "},{"$f":"H24","v":"Different"},{"$f":"I24","v":"Change(%)"}]
["Third Party Liability",2,null,{"$f":"C57-B57","v":-2},{"$f":"D57/B57","v":-1}]
["Collision",2,null,{"$f":"C58-B58","v":-2},{"$f":"D58/B58","v":-1}]
[{"$f":"C39","v":"Comprehensive"},2,null,{"$f":"C59-B59","v":-2},{"$f":"D59/B59","v":-1}]
[{"$f":"G39","v":"Specified Perils"},2,null,{"$f":"C60-B60","v":-2},{"$f":"D60/B60","v":-1}]
[]
["Date of Approved IAO rates",null,"2019-02-12",null,null,"ATV/SV"]
[]
["2019 IAO Approved"]
[{"$f":"A23","v":"Base Premiums"}]
["Type",{"$f":"C29","v":"Bodily Injury (BI)"},null,null,null,"Property Damage - Tort"]
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["Snowmobile",38.229999999999997,null,{"$f":"C68-B68","v":-38.229999999999997},{"$f":"D68/B68","v":-1},0.37,null,{"$f":"G68-F68","v":-0.37},{"$f":"H68/F68","v":-1}]
["ATV-Medium",28.93,null,{"$f":"C69-B69","v":-28.93},{"$f":"D69/B69","v":-1},1.0900000000000001,null,{"$f":"G69-F69","v":-1.0900000000000001},{"$f":"H69/F69","v":-1}]
["ATV-Heavy",40.76,null,{"$f":"C70-B70","v":-40.76},{"$f":"D70/B70","v":-1},1.54,null,{"$f":"G70-F70","v":-1.54},{"$f":"H70/F70","v":-1}]
["Type",{"$f":"G29","v":"Direct CompensationProperty Damage(DCPD)"},null,null,null,{"$f":"B26","v":"Accident Benefits (AB)"}]
[null,"IAO",{"$f":"C67","v":"Proposed "},{"$f":"D67","v":"Different"},"Change(%)","IAO",{"$f":"G67","v":"Proposed "},{"$f":"H67","v":"Different"},"Change(%)"]
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[{"$f":"A69","v":"ATV-Medium"},1.46,null,{"$f":"C74-B74","v":-1.46},{"$f":"D74/B74","v":-1},44.67,null,{"$f":"G74-F74","v":-44.67},{"$f":"H74/F74","v":-1}]
[{"$f":"A70","v":"ATV-Heavy"},1.46,null,{"$f":"C75-B75","v":-1.46},{"$f":"D75/B75","v":-1},44.67,null,{"$f":"G75-F75","v":-44.67},{"$f":"H75/F75","v":-1}]
["Type",{"$f":"F253","v":"Uninsured Motorist"},null,null,null,"Collision"]
[null,"IAO",{"$f":"C72","v":"Proposed "},{"$f":"D72","v":"Different"},"Change(%)","IAO",{"$f":"G72","v":"Proposed "},{"$f":"H72","v":"Different"},{"$f":"I72","v":"Change(%)"}]
[{"$f":"A68","v":"Snowmobile"},6.9,null,{"$f":"C78-B78","v":-6.9},{"$f":"D78/B78","v":-1},92.9,null,{"$f":"G78-F78","v":-92.9},{"$f":"H78/F78","v":-1}]
[{"$f":"A69","v":"ATV-Medium"},6.75,null,{"$f":"C79-B79","v":-6.75},{"$f":"D79/B79","v":-1},47.68,null,{"$f":"G79-F79","v":-47.68},{"$f":"H79/F79","v":-1}]
[{"$f":"A70","v":"ATV-Heavy"},6.75,null,{"$f":"C80-B80","v":-6.75},{"$f":"D80/B80","v":-1},47.68,null,{"$f":"G80-F80","v":-47.68},{"$f":"H80/F80","v":-1}]
["Type",{"$f":"A59","v":"Comprehensive"},null,null,null,{"$f":"A60","v":"Specified Perils"}]
[null,"IAO",{"$f":"C72","v":"Proposed "},{"$f":"D72","v":"Different"},"Change(%)","IAO",{"$f":"G77","v":"Proposed "},{"$f":"H77","v":"Different"},"Change(%)"]
[{"$f":"A68","v":"Snowmobile"},40.85,null,{"$f":"C83-B83","v":-40.85},{"$f":"D83/B83","v":-1},24.15,null,{"$f":"G83-F83","v":-24.15},{"$f":"H83/F83","v":-1}]
[{"$f":"A69","v":"ATV-Medium"},31.45,null,{"$f":"C84-B84","v":-31.45},{"$f":"D84/B84","v":-1},26.84,null,{"$f":"G84-F84","v":-26.84},{"$f":"H84/F84","v":-1}]
[{"$f":"A70","v":"ATV-Heavy"},31.45,null,{"$f":"C85-B85","v":-31.45},{"$f":"D85/B85","v":-1},26.84,null,{"$f":"G85-F85","v":-26.84},{"$f":"H85/F85","v":-1}]
[]
["Deductible Differentials"]
[{"$f":"A68","v":"Snowmobile"}]
["Deductible",{"$f":"B71","v":"Direct CompensationProperty Damage(DCPD)"},null,null,null,"Collision"]
[null,"IAO",{"$f":"C82","v":"Proposed "},{"$f":"D82","v":"Different"},{"$f":"E82","v":"Change(%)"},"IAO",{"$f":"G82","v":"Proposed "},{"$f":"H82","v":"Different"},"Change(%)"]
[0,1,null,{"$f":"C91-B91","v":-1},{"$f":"(C91-B91)/B91","v":-1},"---"]
[25]
[50]
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[500,null,null,null,null,0.97799999999999998,null,-0.97799999999999998,-1]
[1000,null,null,null,null,0.93400000000000005,null,-0.93400000000000005,-1]
[1500,null,null,null,null,0.89300000000000002,null,-0.89300000000000002,-1]
[2000,null,null,null,null,0.85299999999999998,null,-0.85299999999999998,-1]
[{"$f":"A89","v":"Deductible"},{"$f":"B81","v":"Comprehensive"},null,null,null,{"$f":"F81","v":"Specified Perils"}]
[null,"IAO",{"$f":"C90","v":"Proposed "},{"$f":"D90","v":"Different"},{"$f":"E90","v":"Change(%)"},"IAO",{"$f":"G90","v":"Proposed "},{"$f":"H90","v":"Different"},{"$f":"I90","v":"Change(%)"}]
[0]
[25]
[50]
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["ATV"]
[{"$f":"A100","v":"Deductible"},{"$f":"B89","v":"Direct CompensationProperty Damage(DCPD)"},null,null,null,"Collision"]
[null,"IAO",{"$f":"C101","v":"Proposed "},{"$f":"D101","v":"Different"},{"$f":"E101","v":"Change(%)"},"IAO",{"$f":"G101","v":"Proposed "},{"$f":"H101","v":"Different"},{"$f":"I101","v":"Change(%)"}]
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[25]
[50]
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[1500,null,null,null,null,0.87,null,-0.87,-1]
[2000,null,null,null,null,0.82399999999999995,null,-0.82399999999999995,-1]
[{"$f":"A100","v":"Deductible"},{"$f":"B100","v":"Comprehensive"},null,null,null,{"$f":"F100","v":"Specified Perils"}]
[null,"IAO",{"$f":"C113","v":"Proposed "},{"$f":"D113","v":"Different"},{"$f":"E113","v":"Change(%)"},"IAO",{"$f":"G113","v":"Proposed "},{"$f":"H113","v":"Different"},{"$f":"I113","v":"Change(%)"}]
[0]
[25]
[50]
[100,1,null,{"$f":"C128-B128","v":-1},{"$f":"(C128-B128)/B128","v":-1},1,null,{"$f":"G128-F128","v":-1},{"$f":"(G128-F128)/F128","v":-1}]
[250,0.98899999999999999,null,-0.98899999999999999,-1,0.98899999999999999,null,-0.98899999999999999,-1]
[500,0.96899999999999997,null,-0.96899999999999997,-1,0.96899999999999997,null,-0.96899999999999997,-1]
[1000,0.93400000000000005,null,-0.93400000000000005,-1,0.93400000000000005,null,-0.93400000000000005,-1]
[1500,0.90200000000000002,null,-0.90200000000000002,-1,0.90200000000000002,null,-0.90200000000000002,-1]
[2000,0.876,null,-0.876,-1,0.876,null,-0.876,-1]
[]
["Rating Group Differentials"]
[{"$f":"A88","v":"Snowmobile"}]
["Rate Groups","DCPD/Collision",null,null,"Comp/Spec. Perils"]
[null,"IAO",{"$f":"C124","v":"Proposed "},{"$f":"D124","v":"Different"},"IAO",{"$f":"G124","v":"Proposed "},{"$f":"H124","v":"Different"}]
[1,0.6,null,{"$f":"(C139-B139)/B139","v":-1},0.6,null,{"$f":"(F139-E139)/E139","v":-1}]
[2,0.8,null,-1,0.8,null,-1]
[3,1,null,-1,1,null,-1]
[4,1.2,null,-1,1.2,null,-1]
[5,1.39,null,-1,1.39,null,-1]
[6,1.58,null,-1,1.58,null,-1]
[7,1.77,null,-1,1.77,null,-1]
[8,1.96,null,-1,1.96,null,-1]
[9,2.15,null,-1,2.15,null,-1]
[10,2.34,null,-1,2.34,null,-1]
[11,2.5299999999999998,null,-1,2.5299999999999998,null,-1]
[12,2.72,null,-1,2.72,null,-1]
[13,2.91,null,-1,2.91,null,-1]
[14,3.1,null,-1,3.1,null,-1]
[15,3.29,null,-1,3.29,null,-1]
[16,3.48,null,-1,3.48,null,-1]
[17,3.67,null,-1,3.67,null,-1]
[18,3.86,null,-1,3.86,null,-1]
[19,4.05,null,-1,4.05,null,-1]
[20,4.24,null,-1,4.24,null,-1]
["Over 20",0.19,null,-1,0.19,null,-1]
[{"$f":"A111","v":"ATV"}]
[{"$f":"A137","v":"Rate Groups"},{"$f":"B137","v":"DCPD/Collision"},null,null,{"$f":"E137","v":"Comp/Spec. Perils"}]
[null,"IAO",{"$f":"C138","v":"Proposed "},{"$f":"D138","v":"Different"},"IAO",{"$f":"F138","v":"Proposed "},{"$f":"G138","v":"Different"}]
[1,0.67,null,{"$f":"(C163-B163)/B163","v":-1},0.5,null,{"$f":"(F163-E163)/E163","v":-1}]
[2,0.85,null,-1,0.75,null,-1]
[3,1,null,-1,1,null,-1]
[4,1.18,null,-1,1.25,null,-1]
[5,1.36,null,-1,1.5,null,-1]
[6,1.55,null,-1,1.75,null,-1]
[7,1.73,null,-1,2,null,-1]
[8,1.91,null,-1,2.25,null,-1]
[9,2.09,null,-1,2.5,null,-1]
[10,2.27,null,-1,2.75,null,-1]
[11,2.4500000000000002,null,-1,3,null,-1]
[12,2.63,null,-1,3.25,null,-1]
[13,2.81,null,-1,3.5,null,-1]
[14,2.99,null,-1,3.75,null,-1]
[15,3.17,null,-1,4,null,-1]
[16,3.35,null,-1,4.25,null,-1]
[17,3.53,null,-1,4.5,null,-1]
[18,3.71,null,-1,4.75,null,-1]
[19,3.89,null,-1,5,null,-1]
[20,4.07,null,-1,5.25,null,-1]
[{"$f":"A159","v":"Over 20"},0.18,null,-1,0.25,null,-1]
[]
[{"$f":"A45","v":"Limit Differentials"}]
[{"$f":"A136","v":"Snowmobile"}]
["Limit (000)",{"$f":"A57","v":"Third Party Liability"},null,null,null,"END 44"]
[null,"IAO",{"$f":"C124","v":"Proposed "},"Different","Change(%)","IAO","Proposed ","Different","Change(%)"]
[200,1,null,{"$f":"C189-B189","v":-1},{"$f":"(C189-B189)/B189","v":-1},1,null,{"$f":"G189-F189","v":-1},{"$f":"(G189-F189)/F189","v":-1}]
[300,1.21,null,-1.21,-1,2,null,-2,-1]
[500,1.468,null,-1.468,-1,3,null,-3,-1]
[1000,1.766,null,-1.766,-1,4,null,-4,-1]
[2000,1.9790000000000001,null,-1.9790000000000001,-1,5,null,-5,-1]
[3000,2.06,null,-2.06,-1,6,null,-6,-1]
[5000,2.129,null,-2.129,-1,7,null,-7,-1]
[{"$f":"A160","v":"ATV"}]
[{"$f":"A187","v":"Limit (000)"},{"$f":"A57","v":"Third Party Liability"},null,null,null,"END 44"]
[null,"IAO",{"$f":"C124","v":"Proposed "},"Different","Change(%)","IAO","Proposed ","Different","Change(%)"]
[200,1,null,{"$f":"C199-B199","v":-1},{"$f":"(C199-B199)/B199","v":-1},1,null,{"$f":"G199-F199","v":-1},{"$f":"(G199-F199)/F199","v":-1}]
[300,1.21,null,-1.21,-1,2,null,-2,-1]
[500,1.468,null,-1.468,-1,3,null,-3,-1]
[1000,1.766,null,-1.766,-1,4,null,-4,-1]
[2000,1.9790000000000001,null,-1.9790000000000001,-1,5,null,-5,-1]
[3000,2.06,null,-2.06,-1,6,null,-6,-1]
[5000,2.129,null,-2.129,-1,7,null,-7,-1]
[]
["Date of Approved IAO rates",null,"2018-09-11",null,null,"Buses"]
[]
["2018 IAO Approved"]
[{"$f":"A65","v":"Base Premiums"}]
["Type",null,null,null,null,"IAO",{"$f":"G124","v":"Proposed "},{"$f":"H124","v":"Different"},{"$f":"I124","v":"Change(%)"}]
[null,"Road Hazard - Bodily Injury",null,null,null,305.14,null,{"$f":"G212-F212","v":-305.14},{"$f":"H212/F212","v":-1}]
["Public \nBuses","Road Hazard - Property Damage",null,null,null,23.02,null,-23.02,-1]
[null,"Road Hazard - DCPD",null,null,null,25.14,null,-25.14,-1]
[null,"Passenger Hazard - Bodily Injury",null,null,null,174.3,null,-174.3,-1]
[null,"Passenger Hazard - Property Damage",null,null,null,37.840000000000003,null,-37.840000000000003,-1]
[null,"Accident Benefits (AB)",null,null,null,266.74,null,-266.74,-1]
[null,"Uninsured Motorist",null,null,null,38.36,null,-38.36,-1]
[null,"Collision",null,null,null,46.43,null,-46.43,-1]
[null,"Comprehensive",null,null,null,38.72,null,-38.72,-1]
[null,"Specified Perils",null,null,null,30.85,null,-30.85,-1]
["Type",null,null,null,null,"IAO",{"$f":"G211","v":"Proposed "},{"$f":"H211","v":"Different"},"Change(%)"]
[null,{"$f":"B212","v":"Road Hazard - Bodily Injury"},null,null,null,46.65,null,{"$f":"G223-F223","v":-46.65},{"$f":"H223/F223","v":-1}]
["Private Buses Used to Transport Employees",{"$f":"B213","v":"Road Hazard - Property Damage"},null,null,null,3.52,null,-3.52,-1]
[null,{"$f":"B215","v":"Passenger Hazard - Bodily Injury"},null,null,null,26.65,null,-26.65,-1]
[null,{"$f":"B216","v":"Passenger Hazard - Property Damage"},null,null,null,5.78,null,-5.78,-1]
[null,{"$f":"B217","v":"Accident Benefits (AB)"},null,null,null,35.81,null,-35.81,-1]
[null,{"$f":"B218","v":"Uninsured Motorist"},null,null,null,9.0299999999999994,null,-9.0299999999999994,-1]
[]
["Type",null,null,null,null,"IAO",{"$f":"G211","v":"Proposed "},{"$f":"H211","v":"Different"},"Change(%)"]
[null,{"$f":"B223","v":"Road Hazard - Bodily Injury"},null,null,null,57.04,null,{"$f":"G231-F231","v":-57.04},{"$f":"H231/F231","v":-1}]
["Private Buses (Hotel, Golf & Country Club)",{"$f":"B224","v":"Road Hazard - Property Damage"},null,null,null,4.3,null,-4.3,-1]
[null,"Passenger Hazard - Bodily Injury",null,null,null,32.58,null,-32.58,-1]
[null,"Passenger Hazard - Property Damage",null,null,null,7.07,null,-7.07,-1]
[null,{"$f":"B217","v":"Accident Benefits (AB)"},null,null,null,35.11,null,-35.11,-1]
[null,{"$f":"B218","v":"Uninsured Motorist"},null,null,null,12.81,null,-12.81,-1]
[]
["Type",null,null,null,null,"IAO",{"$f":"G230","v":"Proposed "},{"$f":"H230","v":"Different"},"Change(%)"]
[null,{"$f":"B223","v":"Road Hazard - Bodily Injury"},null,null,null,40.85,null,{"$f":"G239-F239","v":-40.85},{"$f":"H239/F239","v":-1}]
["School Buses",{"$f":"B224","v":"Road Hazard - Property Damage"},null,null,null,3.08,null,-3.08,-1]
[null,"Passenger Hazard - Bodily Injury",null,null,null,23.33,null,-23.33,-1]
[null,"Passenger Hazard - Property Damage",null,null,null,5.07,null,-5.07,-1]
[null,{"$f":"B217","v":"Accident Benefits (AB)"},null,null,null,27.77,null,-27.77,-1]
[null,{"$f":"B218","v":"Uninsured Motorist"},null,null,null,8.15,null,-8.15,-1]
[]
["Seating Capacity Differentials"]
[{"$f":"A213","v":"Public \nBuses"}]
["Seating Capacity",{"$f":"B66","v":"Bodily Injury (BI)"},null,null,null,"Property Damage (PD)"]
[null,"IAO",{"$f":"G238","v":"Proposed "},{"$f":"H238","v":"Different"},{"$f":"I238","v":"Change(%)"},"IAO",{"$f":"G238","v":"Proposed "},{"$f":"H238","v":"Different"},{"$f":"I238","v":"Change(%)"}]
["1-12",1,null,{"$f":"C250-B250","v":-1},{"$f":"D250/B250","v":-1},1,null,{"$f":"G250-F250","v":-1},{"$f":"H250/F250","v":-1}]
["13-29",1.847,null,{"$f":"C251-B251","v":-1.847},{"$f":"D251/B251","v":-1},1.847,null,{"$f":"G251-F251","v":-1.847},{"$f":"H251/F251","v":-1}]
["30 & over",3.3119999999999998,null,{"$f":"C252-B252","v":-3.3119999999999998},{"$f":"D252/B252","v":-1},3.3119999999999998,null,{"$f":"G252-F252","v":-3.3119999999999998},{"$f":"H252/F252","v":-1}]
[{"$f":"A248","v":"Seating Capacity"},{"$f":"B243","v":"Accident Benefits (AB)"},null,null,null,{"$f":"B244","v":"Uninsured Motorist"}]
[null,"IAO",{"$f":"C249","v":"Proposed "},{"$f":"D249","v":"Different"},"Change(%)","IAO",{"$f":"G249","v":"Proposed "},{"$f":"H249","v":"Different"},"Change(%)"]
["1-12",1,null,{"$f":"C255-B255","v":-1},{"$f":"D255/B255","v":-1},1,null,{"$f":"G255-F255","v":-1},{"$f":"H255/F255","v":-1}]
["13-29",1.5489999999999999,null,{"$f":"C256-B256","v":-1.5489999999999999},{"$f":"D256/B256","v":-1},1.849,null,{"$f":"G256-F256","v":-1.849},{"$f":"H256/F256","v":-1}]
[{"$f":"A252","v":"30 & over"},2.4849999999999999,null,{"$f":"C257-B257","v":-2.4849999999999999},{"$f":"D257/B257","v":-1},3.86,null,{"$f":"G257-F257","v":-3.86},{"$f":"H257/F257","v":-1}]
[]
["Private Bus"]
[{"$f":"A248","v":"Seating Capacity"},{"$f":"B248","v":"Bodily Injury (BI)"},null,null,null,{"$f":"F248","v":"Property Damage (PD)"}]
[null,"IAO",{"$f":"C254","v":"Proposed "},{"$f":"D254","v":"Different"},"Change(%)","IAO",{"$f":"G254","v":"Proposed "},{"$f":"H254","v":"Different"},"Change(%)"]
["1-12",1,null,{"$f":"C262-B262","v":-1},{"$f":"D262/B262","v":-1},1,null,{"$f":"G262-F262","v":-1},{"$f":"H262/F262","v":-1}]
["13-29",2.3170000000000002,null,{"$f":"C263-B263","v":-2.3170000000000002},{"$f":"D263/B263","v":-1},2.3170000000000002,null,{"$f":"G263-F263","v":-2.3170000000000002},{"$f":"H263/F263","v":-1}]
[{"$f":"A257","v":"30 & over"},4.0430000000000001,null,{"$f":"C264-B264","v":-4.0430000000000001},{"$f":"D264/B264","v":-1},4.0430000000000001,null,{"$f":"G264-F264","v":-4.0430000000000001},{"$f":"H264/F264","v":-1}]
[{"$f":"A248","v":"Seating Capacity"},{"$f":"B253","v":"Accident Benefits (AB)"},null,null,null,{"$f":"F253","v":"Uninsured Motorist"}]
[null,"IAO",{"$f":"C261","v":"Proposed "},{"$f":"D261","v":"Different"},{"$f":"E261","v":"Change(%)"},"IAO",{"$f":"G261","v":"Proposed "},{"$f":"H261","v":"Different"},{"$f":"I261","v":"Change(%)"}]
["1-12",1,null,{"$f":"C267-B267","v":-1},{"$f":"D267/B267","v":-1},1,null,{"$f":"G267-F267","v":-1},{"$f":"H267/F267","v":-1}]
["13-29",1.966,null,{"$f":"C268-B268","v":-1.966},{"$f":"D268/B268","v":-1},2.3180000000000001,null,{"$f":"G268-F268","v":-2.3180000000000001},{"$f":"H268/F268","v":-1}]
[{"$f":"A257","v":"30 & over"},3.101,null,{"$f":"C269-B269","v":-3.101},{"$f":"D269/B269","v":-1},4.0460000000000003,null,{"$f":"G269-F269","v":-4.0460000000000003},{"$f":"H269/F269","v":-1}]
[]
[{"$f":"A240","v":"School Buses"}]
[{"$f":"A248","v":"Seating Capacity"},{"$f":"B260","v":"Bodily Injury (BI)"},null,null,null,{"$f":"F260","v":"Property Damage (PD)"}]
[null,"IAO",{"$f":"C266","v":"Proposed "},{"$f":"D266","v":"Different"},"Change(%)","IAO",{"$f":"G266","v":"Proposed "},{"$f":"H266","v":"Different"},"Change(%)"]
["1-12",1,null,{"$f":"C274-B274","v":-1},{"$f":"D274/B274","v":-1},1,null,{"$f":"G274-F274","v":-1},{"$f":"H274/F274","v":-1}]
["13-21",1.6439999999999999,null,{"$f":"C275-B275","v":-1.6439999999999999},{"$f":"D275/B275","v":-1},1.6439999999999999,null,{"$f":"G275-F275","v":-1.6439999999999999},{"$f":"H275/F275","v":-1}]
["22-40",2.5030000000000001,null,{"$f":"C276-B276","v":-2.5030000000000001},{"$f":"D276/B276","v":-1},2.5030000000000001,null,{"$f":"G276-F276","v":-2.5030000000000001},{"$f":"H276/F276","v":-1}]
["41-60",3.4609999999999999,null,{"$f":"C277-B277","v":-3.4609999999999999},{"$f":"D277/B277","v":-1},3.4609999999999999,null,{"$f":"G277-F277","v":-3.4609999999999999},{"$f":"H277/F277","v":-1}]
["60 & over",4.4039999999999999,null,{"$f":"C278-B278","v":-4.4039999999999999},{"$f":"D278/B278","v":-1},4.4039999999999999,null,{"$f":"G278-F278","v":-4.4039999999999999},{"$f":"H278/F278","v":-1}]
[{"$f":"A248","v":"Seating Capacity"},{"$f":"B265","v":"Accident Benefits (AB)"},null,null,null,{"$f":"F265","v":"Uninsured Motorist"}]
[null,"IAO",{"$f":"C273","v":"Proposed "},{"$f":"D273","v":"Different"},{"$f":"E273","v":"Change(%)"},"IAO",{"$f":"G273","v":"Proposed "},{"$f":"H273","v":"Different"},"Change(%)"]
["1-12",1,null,{"$f":"C281-B281","v":-1},{"$f":"D281/B281","v":-1},1,null,{"$f":"G281-F281","v":-1},{"$f":"H281/F281","v":-1}]
["13-21",1.4219999999999999,null,{"$f":"C282-B282","v":-1.4219999999999999},{"$f":"D282/B282","v":-1},1.645,null,{"$f":"G282-F282","v":-1.645},{"$f":"H282/F282","v":-1}]
["22-40",1.9319999999999999,null,{"$f":"C283-B283","v":-1.9319999999999999},{"$f":"D283/B283","v":-1},2.6339999999999999,null,{"$f":"G283-F283","v":-2.6339999999999999},{"$f":"H283/F283","v":-1}]
["41-60",2.5939999999999999,null,{"$f":"C284-B284","v":-2.5939999999999999},{"$f":"D284/B284","v":-1},4.0149999999999997,null,{"$f":"G284-F284","v":-4.0149999999999997},{"$f":"H284/F284","v":-1}]
[{"$f":"A278","v":"60 & over"},3.3119999999999998,null,{"$f":"C285-B285","v":-3.3119999999999998},{"$f":"D285/B285","v":-1},5.3959999999999999,null,{"$f":"G285-F285","v":-5.3959999999999999},{"$f":"H285/F285","v":-1}]
[]
["Driving Record Differentials"]
["Driving Record  ","BI & PD",null,null,null,"Road Hazard - DCPD"]
[null,"IAO",{"$f":"C280","v":"Proposed "},{"$f":"D280","v":"Different"},{"$f":"E280","v":"Change(%)"},"IAO",{"$f":"G280","v":"Proposed "},{"$f":"H280","v":"Different"},{"$f":"I280","v":"Change(%)"}]
[0,2.282,null,{"$f":"C290-B290","v":-2.282},{"$f":"D290/B290","v":-1},1.7989999999999999,null,{"$f":"G290-F290","v":-1.7989999999999999},{"$f":"H290/F290","v":-1}]
[1,1.528,null,-1.528,-1,1.363,null,-1.363,-1]
[2,1.44,null,-1.44,-1,1.3380000000000001,null,-1.3380000000000001,-1]
[3,1,null,-1,-1,1,null,-1,-1]
[4,0.69599999999999995,null,-0.69599999999999995,-1,0.71099999999999997,null,-0.71099999999999997,-1]
[5,0.68300000000000005,null,-0.68300000000000005,-1,0.69399999999999995,null,-0.69399999999999995,-1]
[6,0.67100000000000004,null,-0.67100000000000004,-1,0.65900000000000003,null,-0.65900000000000003,-1]
[{"$f":"A288","v":"Driving Record  "},"Collision"]
[null,"IAO",{"$f":"C289","v":"Proposed "},{"$f":"D289","v":"Different"},"Change(%)"]
[0,2.4740000000000002,null,{"$f":"C299-B299","v":-2.4740000000000002},{"$f":"D299/B299","v":-1}]
[1,1.706,null,-1.706,-1]
[2,1.6379999999999999,null,-1.6379999999999999,-1]
[3,1,null,-1,-1]
[4,0.97399999999999998,null,-0.97399999999999998,-1]
[5,0.753,null,-0.753,-1]
[6,0.71499999999999997,null,-0.71499999999999997,-1]
[]
[{"$f":"A185","v":"Limit Differentials"}]
[{"$f":"A187","v":"Limit (000)"},"Road/Passenger Hazard - BI/PD",null,null,null,"Passenger Hazard - Bodily Injury"]
[null,"IAO",{"$f":"C298","v":"Proposed "},{"$f":"D298","v":"Different"},"Change(%)","IAO",{"$f":"C298","v":"Proposed "},{"$f":"D298","v":"Different"},"Change(%)"]
[200,1,null,{"$f":"C310-B310","v":-1},{"$f":"(C310-B310)/B310","v":-1},1,null,{"$f":"G310-F310","v":-1},{"$f":"(G310-F310)/F310","v":-1}]
[300,1.075,null,-1.075,-1,1.0449999999999999,null,-1.0449999999999999,-1]
[500,1.155,null,-1.155,-1,1.093,null,-1.093,-1]
[1000,1.224,null,-1.224,-1,1.13767375,null,-1.13767375,-1]
[2000,1.357,null,-1.357,-1,1.1716257999999999,null,-1.1716257999999999,-1]
[3000,1.4179999999999999,null,-1.4179999999999999,-1,1.1813021342499999,null,-1.1813021342499999,-1]
[5000,1.4710000000000001,null,-1.4710000000000001,-1,1.1886561482799998,null,-1.1886561482799998,-1]
[10000,1.512,null,-1.512,-1,1.1956424616084997,null,-1.1956424616084997,-1]
[]
[{"$f":"A46","v":"Limit"},"Passenger Hazard - Property Damage"]
[null,"IAO",{"$f":"C298","v":"Proposed "},{"$f":"D298","v":"Different"},"Change(%)"]
[5000,1,null,{"$f":"C321-B321","v":-1},{"$f":"(C321-B321)/B321","v":-1}]
[10000,1.649,null,{"$f":"C322-B322","v":-1.649},{"$f":"(C322-B322)/B322","v":-1}]
[25000,2.7469999999999999,null,{"$f":"C323-B323","v":-2.7469999999999999},{"$f":"(C323-B323)/B323","v":-1}]
[50000,3.6669999999999998,null,{"$f":"C324-B324","v":-3.6669999999999998},{"$f":"(C324-B324)/B324","v":-1}]
[]
[{"$f":"A308","v":"Limit (000)"},"Passenger Bodily Injury\nOne Person Limit ($200,000)",null,null,null,"Passenger Bodily Injury\nOne Person Limit ($300,000)"]
[]
[null,"IAO",{"$f":"C320","v":"Proposed "},{"$f":"D320","v":"Different"},{"$f":"E320","v":"Change(%)"},"IAO",{"$f":"C320","v":"Proposed "},{"$f":"D320","v":"Different"},{"$f":"E320","v":"Change(%)"}]
[200,1,null,{"$f":"C329-B329","v":-1},{"$f":"D329/B329","v":-1}]
[300,1.0449999999999999,null,-1.0449999999999999,-1,1.075,null,{"$f":"G330-F330","v":-1.075},{"$f":"H330/F330","v":-1}]
[500,1.093,null,-1.093,-1,1.1245000000000001,null,-1.1245000000000001,-1]
[1000,1.13767375,null,-1.13767375,-1,1.1715250000000001,null,-1.1715250000000001,-1]
[2000,1.1716257999999999,null,-1.1716257999999999,-1,1.2072640000000001,null,-1.2072640000000001,-1]
[3000,1.1813021342499999,null,-1.1813021342499999,-1,1.217449615,null,-1.217449615,-1]
[5000,1.1886561482799998,null,-1.1886561482799998,-1,1.2251906824000001,null,-1.2251906824000001,-1]
[10000,1.1956424616084997,null,-1.1956424616084997,-1,1.23254469643,null,-1.23254469643,-1]
[]
[{"$f":"A326","v":"Limit (000)"},"Passenger Bodily Injury\nOne Person Limit ($500,000)",null,null,null,"Passenger Bodily Injury\nOne Person Limit ($1,000,000)"]
[]
[null,"IAO",{"$f":"C328","v":"Proposed "},{"$f":"D328","v":"Different"},"Change(%)","IAO","Proposed ","Different",{"$f":"I328","v":"Change(%)"}]
[200]
[300]
[500,1.155,null,{"$f":"C343-B343","v":-1.155},{"$f":"D343/B343","v":-1}]
[1000,1.2045000000000001,null,-1.2045000000000001,-1,1.224,null,{"$f":"G344-F344","v":-1.224},{"$f":"H344/F344","v":-1}]
[2000,1.2421200000000001,null,-1.2421200000000001,-1,1.2636000000000001,null,-1.2636000000000001,-1]
[3000,1.2528417000000001,null,-1.2528417000000001,-1,1.274886,null,-1.274886,-1]
[5000,1.260990192,null,-1.260990192,-1,1.2834633600000001,null,-1.2834633600000001,-1]
[10000,1.2687312594,null,-1.2687312594,-1,1.2916118519999999,null,-1.2916118519999999,-1]
[{"$f":"A338","v":"Limit (000)"},"Passenger Bodily Injury\nOne Person Limit ($2,000,000)",null,null,null,"Passenger Bodily Injury\nOne Person Limit ($3,000,000)"]
[]
[null,"IAO",{"$f":"C340","v":"Proposed "},{"$f":"D340","v":"Different"},"Change(%)","IAO","Proposed ","Different","Change(%)"]
[200]
[300]
[500]
[1000]
[2000,1.357,null,{"$f":"C356-B356","v":-1.357},{"$f":"D356/B356","v":-1}]
[3000,1.3688800000000001,null,-1.3688800000000001,-1,1.4179999999999999,null,{"$f":"G357-F357","v":-1.4179999999999999},{"$f":"H357/F357","v":-1}]
[5000,1.3779088000000002,null,-1.3779088000000002,-1,1.4275039999999999,null,-1.4275039999999999,-1]
[10000,1.3864861600000002,null,-1.3864861600000002,-1,1.4365327999999999,null,-1.4365327999999999,-1]
[{"$f":"A338","v":"Limit (000)"},"Passenger Bodily Injury One Person Limit ($5,000,000)",null,null,null,"Passenger Bodily Injury\nOne Person Limit ($10,000,000)"]
[]
[null,"IAO",{"$f":"C351","v":"Proposed "},{"$f":"D351","v":"Different"},"Change(%)","IAO","Proposed ","Different","Change(%)"]
[200]
[300]
[500]
[1000]
[2000]
[3000]
[5000,1.4710000000000001,null,{"$f":"C369-B369","v":-1.4710000000000001},{"$f":"D369/B369","v":-1}]
[10000,1.480504,null,-1.480504,-1,1.512,null,{"$f":"G370-F370","v":-1.512},{"$f":"H370/F370","v":-1}]
[]
["Distance of Operation Differentials"]
["Distance of Operation",null,null,{"$f":"B308","v":"Road/Passenger Hazard - BI/PD"}]
[null,null,null,"IAO",{"$f":"C362","v":"Proposed "},{"$f":"D362","v":"Different"},"Change(%)"]
["within 25 km of city limits",null,null,1,null,{"$f":"E375-D375","v":-1},{"$f":"F375/D375","v":-1}]
["Between 25km and 80km",null,null,0.502,null,{"$f":"E376-D376","v":-0.502},{"$f":"F376/D376","v":-1}]
["Between 80km and 240km",null,null,0.54800000000000004,null,{"$f":"E377-D377","v":-0.54800000000000004},{"$f":"F377/D377","v":-1}]
["Over 240Km",null,null,1.1759999999999999,null,{"$f":"E378-D378","v":-1.1759999999999999},{"$f":"F378/D378","v":-1}]
[]
[]
[]
[{"$f":"A135","v":"Rating Group Differentials"}]
["List Price New",{"$f":"A161","v":"Rate Groups"},{"$f":"B161","v":"DCPD/Collision"},null,null,null,{"$f":"B123","v":"Comprehensive"}]
[null,null,"IAO",{"$f":"E374","v":"Proposed "},{"$f":"F374","v":"Different"},"Change(%)","IAO",{"$f":"E374","v":"Proposed "},{"$f":"F374","v":"Different"}]
["up to 7500",1,0.57999999999999996,null,{"$f":"D385-C385","v":-0.57999999999999996},{"$f":"E385/C385","v":-1},0.17199999999999999,null,{"$f":"H385-G385","v":-0.17199999999999999}]
["7501 -15000",2,0.69899999999999995,null,-0.69899999999999995,-1,0.3,null,-0.3]
["15001 - 22500",3,0.79700000000000004,null,-0.79700000000000004,-1,0.51700000000000002,null,-0.51700000000000002]
["22501- 30000",4,0.83899999999999997,null,-0.83899999999999997,-1,0.66500000000000004,null,-0.66500000000000004]
["30001 - 45000",5,0.90200000000000002,null,-0.90200000000000002,-1,0.79,null,-0.79]
["45001 - 60000",6,1,null,-1,-1,1,null,-1]
["60001 - 75000",7,1.0980000000000001,null,-1.0980000000000001,-1,1.21,null,-1.21]
["75001 - 90000",8,1.196,null,-1.196,-1,1.4179999999999999,null,-1.4179999999999999]
["90001-105000",9,1.294,null,-1.294,-1,1.631,null,-1.631]
["105001-120000",10,1.385,null,-1.385,-1,1.8420000000000001,null,-1.8420000000000001]
["120001-135000",11,1.4750000000000001,null,-1.4750000000000001,-1,2.0499999999999998,null,-2.0499999999999998]
["135001-150000",12,1.5660000000000001,null,-1.5660000000000001,-1,2.2599999999999998,null,-2.2599999999999998]
["150001-165000",13,1.6579999999999999,null,-1.6579999999999999,-1,2.472,null,-2.472]
["165001-180000",14,1.748,null,-1.748,-1,2.6819999999999999,null,-2.6819999999999999]
["180001-195000",15,1.8380000000000001,null,-1.8380000000000001,-1,2.8919999999999999,null,-2.8919999999999999]
["195001-210000",16,1.9279999999999999,null,-1.9279999999999999,-1,3.1019999999999999,null,-3.1019999999999999]
["210001-225000",17,2.0179999999999998,null,-2.0179999999999998,-1,3.3119999999999998,null,-3.3119999999999998]
["225001-240000",18,2.1080000000000001,null,-2.1080000000000001,-1,3.5219999999999998,null,-3.5219999999999998]
["240001-255000",19,2.198,null,-2.198,-1,3.7320000000000002,null,-3.7320000000000002]
["255001-270000",20,2.2879999999999998,null,-2.2879999999999998,-1,3.9420000000000002,null,-3.9420000000000002]
["270001-285000",21,2.3780000000000001,null,-2.3780000000000001,-1,4.1520000000000001,null,-4.1520000000000001]
["285001-300000",22,2.468,null,-2.468,-1,4.3620000000000001,null,-4.3620000000000001]
["over 30,000",null,8.9999999999999858E-2,null,-8.9999999999999858E-2,-1,0.20999999999999996,null,-0.20999999999999996]
[{"$f":"A383","v":"List Price New"},{"$f":"B383","v":"Rate Groups"},{"$f":"F123","v":"Specified Perils"}]
[null,null,"IAO",{"$f":"D384","v":"Proposed "},{"$f":"E384","v":"Different"},"Change(%)"]
[" up to 7500",1,0.17199999999999999,null,{"$f":"D410-C410","v":-0.17199999999999999},{"$f":"E410/C410","v":-1}]
["7501 -15000",2,0.3,null,-0.3,-1]
["15001 - 22500",3,0.51700000000000002,null,-0.51700000000000002,-1]
["22501- 30000",4,0.66500000000000004,null,-0.66500000000000004,-1]
["30001 - 45000",5,0.79,null,-0.79,-1]
["45001 - 60000",6,1,null,-1,-1]
["60001 - 75000",7,1.21,null,-1.21,-1]
["75001 - 90000",8,1.4179999999999999,null,-1.4179999999999999,-1]
["90001-105000",9,1.631,null,-1.631,-1]
["105001-120000",10,1.8420000000000001,null,-1.8420000000000001,-1]
["120001-135000",11,2.0499999999999998,null,-2.0499999999999998,-1]
["135001-150000",12,2.2599999999999998,null,-2.2599999999999998,-1]
["150001-165000",13,2.472,null,-2.472,-1]
["165001-180000",14,2.6819999999999999,null,-2.6819999999999999,-1]
["180001-195000",15,2.8919999999999999,null,-2.8919999999999999,-1]
["195001-210000",16,3.1019999999999999,null,-3.1019999999999999,-1]
["210001-225000",17,3.3119999999999998,null,-3.3119999999999998,-1]
["225001-240000",18,3.5219999999999998,null,-3.5219999999999998,-1]
["240001-255000",19,3.7320000000000002,null,-3.7320000000000002,-1]
["255001-270000",20,3.9420000000000002,null,-3.9420000000000002,-1]
["270001-285000",21,4.1520000000000001,null,-4.1520000000000001,-1]
["285001-300000",22,4.3620000000000001,null,-4.3620000000000001,-1]
[{"$f":"A407","v":"over 30,000"},null,0.20999999999999996,null,-0.20999999999999996,-1]
[]
[{"$f":"A87","v":"Deductible Differentials"}]
[{"$f":"A89","v":"Deductible"},"Collision",null,null,null,{"$f":"E137","v":"Comp/Spec. Perils"}]
[null,"IAO",{"$f":"D409","v":"Proposed "},{"$f":"E409","v":"Different"},"Change(%)","IAO",{"$f":"D409","v":"Proposed "},{"$f":"E409","v":"Different"},"Change(%)"]
[0,"---",null,null,null,"---"]
[25,1.032,null,null,null,0]
[50,1.0289999999999999,null,null,null,0]
[100,1.022,null,{"$f":"C440-B440","v":-1.022},{"$f":"(C440-B440)/B440","v":-1},1,null,{"$f":"G440-F440","v":-1},{"$f":"(G440-F440)/F440","v":-1}]
[200,1.0069999999999999,null,-1.0069999999999999,-1,0.97399999999999998,null,-0.97399999999999998,-1]
[250,1,null,-1,-1,0.96199999999999997,null,-0.96199999999999997,-1]
[500,0.96399999999999997,null,-0.96399999999999997,-1,0.91100000000000003,null,-0.91100000000000003,-1]
[1000,0.89600000000000002,null,-0.89600000000000002,-1,0.84899999999999998,null,-0.84899999999999998,-1]
[1500,0.83499999999999996,null,-0.83499999999999996,-1,0.82,null,-0.82,-1]
[2000,0.78100000000000003,null,-0.78100000000000003,-1,0.79500000000000004,null,-0.79500000000000004,-1]
[2500,0.73299999999999998,null,-0.73299999999999998,-1,0.77300000000000002,null,-0.77300000000000002,-1]
[3000,0.69199999999999995,null,-0.69199999999999995,-1,0.753,null,-0.753,-1]
[3500,0.65600000000000003,null,-0.65600000000000003,-1,0.73599999999999999,null,-0.73599999999999999,-1]
[4000,0.624,null,-0.624,-1,0.72099999999999997,null,-0.72099999999999997,-1]
[4500,0.59599999999999997,null,-0.59599999999999997,-1,0.70499999999999996,null,{"$f":"G451-F451","v":-0.70499999999999996},{"$f":"(G451-F451)/F451","v":-1}]
[5000,0.57199999999999995,null,-0.57199999999999995,-1,0.67900000000000005,null,{"$f":"G452-F452","v":-0.67900000000000005},{"$f":"(G452-F452)/F452","v":-1}]
[6000,0.53100000000000003,null,-0.53100000000000003,-1,0.64800000000000002,null,-0.64800000000000002,-1]
[7000,0.498,null,-0.498,-1,0.626,null,-0.626,-1]
[8000,0.47399999999999998,null,-0.47399999999999998,-1,0.60599999999999998,null,-0.60599999999999998,-1]
[9000,0.45500000000000002,null,-0.45500000000000002,-1,0.58399999999999996,null,-0.58399999999999996,-1]
[10000,0.434,null,-0.434,-1,0.56699999999999995,null,-0.56699999999999995,-1]
[11000,0.42,null,-0.42,-1,0.54500000000000004,null,-0.54500000000000004,-1]
[12000,0.40799999999999997,null,-0.40799999999999997,-1,0.53500000000000003,null,-0.53500000000000003,-1]
[13000,0.39700000000000002,null,-0.39700000000000002,-1,0.52800000000000002,null,-0.52800000000000002,-1]
[14000,0.38900000000000001,null,-0.38900000000000001,-1,0.51800000000000002,null,-0.51800000000000002,-1]
[15000,0.38200000000000001,null,-0.38200000000000001,-1,0.51,null,-0.51,-1]
[16000,0.375,null,-0.375,-1,0.503,null,-0.503,-1]
[17000,0.37,null,-0.37,-1,0.496,null,-0.496,-1]
[18000,0.36499999999999999,null,-0.36499999999999999,-1,0.49399999999999999,null,-0.49399999999999999,-1]
[19000,0.36099999999999999,null,-0.36099999999999999,-1,0.48699999999999999,null,-0.48699999999999999,-1]
[20000,0.35799999999999998,null,-0.35799999999999998,-1,0.48299999999999998,null,-0.48299999999999998,-1]
[21000,0.35399999999999998,null,-0.35399999999999998,-1,0.48,null,-0.48,-1]
[22000,0.35199999999999998,null,-0.35199999999999998,-1,0.47599999999999998,null,-0.47599999999999998,-1]
[23000,0.34899999999999998,null,-0.34899999999999998,-1,0.47099999999999997,null,-0.47099999999999997,-1]
[24000,0.34699999999999998,null,-0.34699999999999998,-1,0.47,null,-0.47,-1]
[25000,0.34499999999999997,null,-0.34499999999999997,-1,0.46800000000000003,null,-0.46800000000000003,-1]
[]
[]
["PPA (CLASS 07) & COMMERCIAL (CLASS 44) FACTORS"]
[null,null,{"$f":"B112","v":"Direct CompensationProperty Damage(DCPD)"},{"$f":"C436","v":"Proposed "},{"$f":"D436","v":"Different"},null,{"$f":"G436","v":"Proposed "},{"$f":"H436","v":"Different"}]
["Category",null,null,null,null,"Collision"]
["School ",null,0.5,null,{"$f":"(D478-C478)/C478","v":-1},0.5,null,{"$f":"(G478-F478)/F478","v":-1}]
["Private",null,0.5,null,{"$f":"(D479-C479)/C479","v":-1},0.5,null,{"$f":"(G479-F479)/F479","v":-1}]
[]
[null,null," ",{"$f":"D476","v":"Proposed "},{"$f":"E476","v":"Different"},{"$f":"C408","v":"Specified Perils"},{"$f":"G476","v":"Proposed "},{"$f":"H476","v":"Different"}]
[null,null,{"$f":"G383","v":"Comprehensive"}]
[{"$f":"A478","v":"School "},null,0.75,null,{"$f":"(D483-C483)/C483","v":-1},1.5,null,{"$f":"(G483-F483)/F483","v":-1}]
[{"$f":"A479","v":"Private"},null,0.75,null,{"$f":"(D484-C484)/C484","v":-1},1.5,null,{"$f":"(G484-F484)/F484","v":-1}]
[]
["Date of Approved IAO rates",null,"2018-03-27",null,null,"Motorhome, Camper, Trailer"]
[]
["2018 IAO Approved"]
[{"$f":"A210","v":"Base Premiums"}]
["Type",{"$f":"B66","v":"Bodily Injury (BI)"},null,null,null,{"$f":"F66","v":"Property Damage - Tort"},null,null,null,{"$f":"B71","v":"Direct CompensationProperty Damage(DCPD)"}]
[null,"IAO",{"$f":"C436","v":"Proposed "},{"$f":"D436","v":"Different"},{"$f":"E436","v":"Change(%)"},"IAO",{"$f":"C491","v":"Proposed "},{"$f":"D491","v":"Different"},"Change(%)","IAO",{"$f":"G491","v":"Proposed "},{"$f":"H491","v":"Different"},"Change(%)"]
["Motorhomes",58.37,null,{"$f":"C492-B492","v":-58.37},{"$f":"D492/B492","v":-1},7.43,null,{"$f":"G492-F492","v":-7.43},{"$f":"H492/F492","v":-1},14.12,null,{"$f":"K492-J492","v":-14.12},{"$f":"L492/J492","v":-1}]
["Trailers",null,null,{"$f":"C493-B493","v":0},{"$f":"D493/B493","v":{"$error":"#DIV/0!"}},null,null,{"$f":"G493-F493","v":0},{"$f":"H493/F493","v":{"$error":"#DIV/0!"}},null,null,{"$f":"K493-J493","v":0},{"$f":"L493/J493","v":{"$error":"#DIV/0!"}}]
["Camper Units",null,null,0,{"$f":"D494/B494","v":{"$error":"#DIV/0!"}},null,null,{"$f":"G494-F494","v":0},{"$f":"H494/F494","v":{"$error":"#DIV/0!"}},null,null,{"$f":"K494-J494","v":0},{"$f":"L494/J494","v":{"$error":"#DIV/0!"}}]
["Type",{"$f":"F71","v":"Accident Benefits (AB)"},null,null,null,{"$f":"B76","v":"Uninsured Motorist"},null,null,null,"Collision"]
[null,"IAO",{"$f":"C491","v":"Proposed "},{"$f":"D491","v":"Different"},"Change(%)","IAO",{"$f":"C496","v":"Proposed "},{"$f":"D496","v":"Different"},"Change(%)","IAO",{"$f":"G496","v":"Proposed "},{"$f":"H496","v":"Different"},{"$f":"I496","v":"Change(%)"}]
[{"$f":"A492","v":"Motorhomes"},16.489999999999998,null,{"$f":"C497-B497","v":-16.489999999999998},{"$f":"D497/B497","v":-1},2.4900000000000002,null,{"$f":"G497-F497","v":-2.4900000000000002},{"$f":"H497/F497","v":-1},79.94,null,{"$f":"K497-J497","v":-79.94},{"$f":"L497/J497","v":-1}]
[{"$f":"A493","v":"Trailers"},null,null,{"$f":"C498-B498","v":0},{"$f":"D498/B498","v":{"$error":"#DIV/0!"}},null,null,{"$f":"G498-F498","v":0},{"$f":"H498/F498","v":{"$error":"#DIV/0!"}},null,null,{"$f":"K498-J498","v":0},{"$f":"L498/J498","v":{"$error":"#DIV/0!"}}]
[{"$f":"A494","v":"Camper Units"},null,null,{"$f":"C499-B499","v":0},{"$f":"D499/B499","v":{"$error":"#DIV/0!"}},null,null,{"$f":"G499-F499","v":0},{"$f":"H499/F499","v":{"$error":"#DIV/0!"}},null,null,{"$f":"K499-J499","v":0},{"$f":"L499/J499","v":{"$error":"#DIV/0!"}}]
["Type",{"$f":"C482","v":"Comprehensive"},null,null,null,{"$f":"F481","v":"Specified Perils"}]
[null,"IAO",{"$f":"C496","v":"Proposed "},{"$f":"D496","v":"Different"},"Change(%)","IAO",{"$f":"G496","v":"Proposed "},{"$f":"H496","v":"Different"},"Change(%)"]
[{"$f":"A492","v":"Motorhomes"},125.78,null,{"$f":"C502-B502","v":-125.78},{"$f":"D502/B502","v":-1},34.69,null,{"$f":"G502-F502","v":-34.69},{"$f":"H502/F502","v":-1}]
[{"$f":"A493","v":"Trailers"},null,null,{"$f":"C503-B503","v":0},{"$f":"D503/B503","v":{"$error":"#DIV/0!"}},null,null,{"$f":"G503-F503","v":0},{"$f":"H503/F503","v":{"$error":"#DIV/0!"}}]
[{"$f":"A494","v":"Camper Units"},null,null,{"$f":"C504-B504","v":0},{"$f":"D504/B504","v":{"$error":"#DIV/0!"}},null,null,{"$f":"G504-F504","v":0},{"$f":"H504/F504","v":{"$error":"#DIV/0!"}}]
[]
[{"$f":"A382","v":"Rating Group Differentials"}]
[{"$f":"A408","v":"List Price New"},"DCPD-Coll-Comp",null,null,null,{"$f":"F500","v":"Specified Perils"}]
[null,"IAO",{"$f":"C501","v":"Proposed "},{"$f":"D501","v":"Different"},{"$f":"E501","v":"Change(%)"},"IAO",{"$f":"G501","v":"Proposed "},{"$f":"H501","v":"Different"},{"$f":"I501","v":"Change(%)"}]
["up to 1000",0.42,null,{"$f":"C509-B509","v":-0.42},{"$f":"D509/B509","v":-1},0.42,null,{"$f":"G509-F509","v":-0.42},{"$f":"H509/F509","v":-1}]
["1,001 - 2,000",0.44,null,-0.44,-1,0.44,null,-0.44,-1]
["2,001 - 3,000",0.46,null,-0.46,-1,0.46,null,-0.46,-1]
["3,001 - 4,000",0.48,null,-0.48,-1,0.48,null,-0.48,-1]
["4,001 - 5,000",0.5,null,-0.5,-1,0.5,null,-0.5,-1]
["5,001 - 6,000",0.52,null,-0.52,-1,0.52,null,-0.52,-1]
["6,001 - 7,000",0.54,null,-0.54,-1,0.54,null,-0.54,-1]
["7,001 - 8,000",0.56000000000000005,null,-0.56000000000000005,-1,0.56000000000000005,null,-0.56000000000000005,-1]
["8,001 - 9,000",0.57999999999999996,null,-0.57999999999999996,-1,0.57999999999999996,null,-0.57999999999999996,-1]
["9,001 - 10,000",0.6,null,-0.6,-1,0.6,null,-0.6,-1]
["10,001-11,000",0.62,null,-0.62,-1,0.62,null,-0.62,-1]
["11,001-12,000",0.64,null,-0.64,-1,0.64,null,-0.64,-1]
["12,001-13,000",0.66,null,-0.66,-1,0.66,null,-0.66,-1]
["13,001-14,000",0.68,null,-0.68,-1,0.68,null,-0.68,-1]
["14,001-15,000",0.7,null,-0.7,-1,0.7,null,-0.7,-1]
["15,001-16,000",0.72,null,-0.72,-1,0.72,null,-0.72,-1]
["16,001-17,000",0.74,null,-0.74,-1,0.74,null,-0.74,-1]
["17,001-18,000",0.76,null,-0.76,-1,0.76,null,-0.76,-1]
["18,001-19,000",0.78,null,-0.78,-1,0.78,null,-0.78,-1]
["19,001-20,000",0.8,null,-0.8,-1,0.8,null,-0.8,-1]
["20,001-21,000",0.82,null,-0.82,-1,0.82,null,-0.82,-1]
["21,001-22,000",0.84,null,-0.84,-1,0.84,null,-0.84,-1]
["22,001-23,000",0.86,null,-0.86,-1,0.86,null,-0.86,-1]
["23,001-24,000",0.88,null,-0.88,-1,0.88,null,-0.88,-1]
["24,001-25,000",0.9,null,-0.9,-1,0.9,null,-0.9,-1]
["25,001-26,000",0.92,null,-0.92,-1,0.92,null,-0.92,-1]
["26,001-27,000",0.94,null,-0.94,-1,0.94,null,-0.94,-1]
["27,001-28,000",0.96,null,-0.96,-1,0.96,null,-0.96,-1]
["28,001-29,000",0.98,null,-0.98,-1,0.98,null,-0.98,-1]
["29,001-30,000",1,null,-1,-1,1,null,-1,-1]
["over 30,000",2.0000000000000018E-2,null,0.02,0.99999999999999911,2.0000000000000018E-2,null,0.02,0.99999999999999911]
[]
[{"$f":"A87","v":"Deductible Differentials"}]
[{"$f":"A89","v":"Deductible"},{"$f":"J490","v":"Direct CompensationProperty Damage(DCPD)"},null,null,null,"Collision",null,null,null,{"$f":"F435","v":"Comp/Spec. Perils"}]
[null,"IAO",{"$f":"C508","v":"Proposed "},{"$f":"D508","v":"Different"},{"$f":"E508","v":"Change(%)"},{"$f":"B543","v":"IAO"},{"$f":"C543","v":"Proposed "},"Different","Change(%)","IAO","Proposed ","Different","Change(%)"]
[0,1,null,{"$f":"C544-B544","v":-1},{"$f":"(C544-B544)/B544","v":-1}]
[100,null,null,null,null,1.0089999999999999,null,{"$f":"G545-F545","v":-1.0089999999999999},{"$f":"(G545-F545)/F545","v":-1},1,null,{"$f":"K545-J545","v":-1},{"$f":"(K545-J545)/J545","v":-1}]
[250,null,null,null,null,1,null,-1,-1,0.98799999999999999,null,-0.98799999999999999,-1]
[500,null,null,null,null,0.98599999999999999,null,-0.98599999999999999,-1,0.96799999999999997,null,-0.96799999999999997,-1]
[1000,null,null,null,null,0.95699999999999996,null,-0.95699999999999996,-1,0.93,null,-0.93,-1]
[1500,null,null,null,null,0.92900000000000005,null,-0.92900000000000005,-1,0.89500000000000002,null,-0.89500000000000002,-1]
[2000,null,null,null,null,0.88,null,-0.88,-1,0.86199999999999999,null,-0.86199999999999999,-1]
[2500,null,null,null,null,0.71099999999999997,null,-0.71099999999999997,-1,0.71099999999999997,null,-0.71099999999999997,-1]
[3000,null,null,null,null,0.65800000000000003,null,-0.65800000000000003,-1,0.70399999999999996,null,-0.70399999999999996,-1]
[3500,null,null,null,null,0.60799999999999998,null,-0.60799999999999998,-1,0.69699999999999995,null,-0.69699999999999995,-1]
[4000,null,null,null,null,0.56499999999999995,null,-0.56499999999999995,-1,0.69,null,-0.69,-1]
[4500,null,null,null,null,0.52300000000000002,null,-0.52300000000000002,-1,0.68300000000000005,null,-0.68300000000000005,-1]
[5000,null,null,null,null,0.48299999999999998,null,-0.48299999999999998,-1,0.67600000000000005,null,-0.67600000000000005,-1]
[]
["Type of Use PPA Factors"]
[null,"Third Party Liability",null,null,null,{"$f":"B495","v":"Accident Benefits (AB)"},null,null,null,{"$f":"F495","v":"Uninsured Motorist"}]
["Type of Use  "]
[" "]
[null,"IAO",{"$f":"C543","v":"Proposed "},"Different","Change(%)","IAO","Proposed ","Different","Change(%)","IAO","Proposed ","Different","Change(%)"]
[{"$f":"A499","v":"Camper Units"},0.2,null,{"$f":"C563-B563","v":-0.2},{"$f":"D563/B563","v":-1},0.2,null,{"$f":"G563-F563","v":-0.2},{"$f":"H563/F563","v":-1},0.2,null,{"$f":"K563-J563","v":-0.2},{"$f":"L563/J563","v":-1}]
[{"$f":"A493","v":"Trailers"},0.2,null,{"$f":"C564-B564","v":-0.2},{"$f":"D564/B564","v":-1},0.2,null,{"$f":"G564-F564","v":-0.2},{"$f":"H564/F564","v":-1},0.2,null,{"$f":"K564-J564","v":-0.2},{"$f":"L564/J564","v":-1}]
[null,"Collision",null,null,null,{"$f":"B500","v":"Comprehensive"},null,null,null,{"$f":"F500","v":"Specified Perils"}]
[{"$f":"A560","v":"Type of Use  "}]
[" "]
[null,"IAO",{"$f":"C562","v":"Proposed "},{"$f":"D562","v":"Different"},"Change(%)","IAO","Proposed ","Different","Change(%)","IAO","Proposed ","Different","Change(%)"]
[{"$f":"A563","v":"Camper Units"},1,null,{"$f":"C569-B569","v":-1},{"$f":"D569/B569","v":-1},1,null,{"$f":"G569-F569","v":-1},{"$f":"H569/F569","v":-1},1,null,{"$f":"K569-J569","v":-1},{"$f":"L569/J569","v":-1}]
[{"$f":"A564","v":"Trailers"},1,null,{"$f":"C570-B570","v":-1},{"$f":"D570/B570","v":-1},1,null,{"$f":"G570-F570","v":-1},{"$f":"H570/F570","v":-1},1,null,{"$f":"K570-J570","v":-1},{"$f":"L570/J570","v":-1}]
[]
[{"$f":"A287","v":"Driving Record Differentials"}]
[{"$f":"A288","v":"Driving Record  "},"BI & PD",null,null,null,{"$f":"B542","v":"Direct CompensationProperty Damage(DCPD)"},null,null,null,"Coll"]
[null,"IAO",{"$f":"C568","v":"Proposed "},{"$f":"D568","v":"Different"},"Change(%)","IAO","Proposed ","Different","Change(%)","IAO","Proposed ","Different","Change(%)"]
[0,1.3839999999999999,null,{"$f":"C575-B575","v":-1.3839999999999999},{"$f":"D575/B575","v":-1},1.276,null,{"$f":"G575-F575","v":-1.276},{"$f":"H575/F575","v":-1},1.4059999999999999,null,{"$f":"K575-J575","v":-1.4059999999999999},{"$f":"L575/J575","v":-1}]
[1,1.2689999999999999,null,{"$f":"C576-B576","v":-1.2689999999999999},{"$f":"D576/B576","v":-1},1.1579999999999999,null,{"$f":"G576-F576","v":-1.1579999999999999},{"$f":"H576/F576","v":-1},1.304,null,{"$f":"K576-J576","v":-1.304},{"$f":"L576/J576","v":-1}]
[2,1.0660000000000001,null,-1.0660000000000001,-1,1.155,null,-1.155,-1,1.0450989010989011,null,-1.0450989010989011,-1]
[3,1,null,-1,-1,1,null,-1,-1,1,null,-1,-1]
[4,0.92100000000000004,null,-0.92100000000000004,-1,0.99674846625766855,null,-0.99674846625766855,-1,0.90435026755136982,null,-0.90435026755136982,-1]
[5,0.77500000000000002,null,-0.77500000000000002,-1,0.97499999999999998,null,-0.97499999999999998,-1,0.875,null,-0.875,-1]
[6,0.59899999999999998,null,-0.59899999999999998,-1,0.89400000000000002,null,-0.89400000000000002,-1,0.57599999999999996,null,-0.57599999999999996,-1]
[]
[{"$f":"A307","v":"Limit Differentials"}]
[{"$f":"A319","v":"Limit"},{"$f":"B573","v":"BI & PD"},null,null,null,"END 44"]
[null,"IAO",{"$f":"C574","v":"Proposed "},{"$f":"D574","v":"Different"},"Change(%)","IAO","Proposed ","Different","Change(%)"]
[200,1,null,{"$f":"C586-B586","v":-1},{"$f":"D586/B586","v":-1},1,null,{"$f":"G586-F586","v":-1},{"$f":"H586/F586","v":-1}]
[300,1.1259999999999999,null,{"$f":"C587-B587","v":-1.1259999999999999},{"$f":"D587/B587","v":-1},3,null,{"$f":"G587-F587","v":-3},{"$f":"H587/F587","v":-1}]
[500,1.2689999999999999,null,-1.2689999999999999,-1,6,null,-6,-1]
[1000,1.427,null,-1.427,-1,11,null,-11,-1]
[2000,1.536,null,-1.536,-1,19,null,-19,-1]
[3000,1.575,null,-1.575,-1,25,null,-25,-1]
[5000,1.6060000000000001,null,-1.6060000000000001,-1,35,null,-35,-1]
[10000,1.629,null,-1.629,-1,55,null,-55,-1]
[]
["Date of Approved IAO rates",null,"2018-03-27",null,null,"Motorcycles and Mopeds"]
[]
["2018 IAO Approved"]
[{"$f":"A489","v":"Base Premiums"}]
["Type",null,null,null,"IAO",{"$f":"G585","v":"Proposed "},{"$f":"H585","v":"Different"},{"$f":"I585","v":"Change(%)"}]
[null,{"$f":"B248","v":"Bodily Injury (BI)"},null,null,19.649999999999999,null,{"$f":"F600-E600","v":-19.649999999999999},{"$f":"G600/E600","v":-1}]
["Motorcycle ",{"$f":"F490","v":"Property Damage - Tort"},null,null,2.81,null,-2.81,-1]
[null,{"$f":"F573","v":"Direct CompensationProperty Damage(DCPD)"},null,null,43.72,null,-43.72,-1]
[null,{"$f":"F559","v":"Accident Benefits (AB)"},null,null,109.21,null,-109.21,-1]
[null,{"$f":"J559","v":"Uninsured Motorist"},null,null,17.100000000000001,null,-17.100000000000001,-1]
[null,"Collision",null,null,111.38,null,-111.38,-1]
[null,{"$f":"F565","v":"Comprehensive"},null,null,65.069999999999993,null,-65.069999999999993,-1]
[null,{"$f":"J565","v":"Specified Perils"},null,null,60.83,null,-60.83,-1]
[]
["Engine Capacity Differentials"]
["CC",{"$f":"B584","v":"BI & PD"},null,null,null,{"$f":"B603","v":"Accident Benefits (AB)"}]
[null,"IAO",{"$f":"F599","v":"Proposed "},{"$f":"G599","v":"Different"},"Change(%)","IAO",{"$f":"F599","v":"Proposed "},{"$f":"G599","v":"Different"},"Change(%)"]
["Mopeds",0.44600000000000001,null,{"$f":"C612-B612","v":-0.44600000000000001},{"$f":"D612/B612","v":-1},0.67600000000000005,null,{"$f":"G612-F612","v":-0.67600000000000005},{"$f":"H612/F612","v":-1}]
["Up to 100",1,null,{"$f":"C613-B613","v":-1},{"$f":"D613/B613","v":-1},1,null,{"$f":"G613-F613","v":-1},{"$f":"H613/F613","v":-1}]
["101 - 400",1.4690000000000001,null,{"$f":"C614-B614","v":-1.4690000000000001},{"$f":"D614/B614","v":-1},1.1439999999999999,null,{"$f":"G614-F614","v":-1.1439999999999999},{"$f":"H614/F614","v":-1}]
["401 - 750",1.9770000000000001,null,{"$f":"C615-B615","v":-1.9770000000000001},{"$f":"D615/B615","v":-1},1.325,null,{"$f":"G615-F615","v":-1.325},{"$f":"H615/F615","v":-1}]
["Over 750",2.3610000000000002,null,{"$f":"C616-B616","v":-2.3610000000000002},{"$f":"D616/B616","v":-1},1.4890000000000001,null,{"$f":"G616-F616","v":-1.4890000000000001},{"$f":"H616/F616","v":-1}]
[{"$f":"A610","v":"CC"},{"$f":"B604","v":"Uninsured Motorist"}]
[null,"IAO",{"$f":"C611","v":"Proposed "},{"$f":"D611","v":"Different"},"Change(%)"]
[{"$f":"A612","v":"Mopeds"},0.67600000000000005,null,{"$f":"C619-B619","v":-0.67600000000000005},{"$f":"D619/B619","v":-1}]
["up to 100",1,null,{"$f":"C620-B620","v":-1},{"$f":"D620/B620","v":-1}]
["101 - 400",1.1439999999999999,null,{"$f":"C621-B621","v":-1.1439999999999999},{"$f":"D621/B621","v":-1}]
["401 - 750",1.325,null,{"$f":"C622-B622","v":-1.325},{"$f":"D622/B622","v":-1}]
["over 750",1.4890000000000001,null,{"$f":"C623-B623","v":-1.4890000000000001},{"$f":"D623/B623","v":-1}]
[]
["Year License Differentials"]
[{"$f":"A625","v":"Year License Differentials"},{"$f":"B610","v":"BI & PD"},null,null,null,{"$f":"B602","v":"Direct CompensationProperty Damage(DCPD)"}]
[null,"IAO",{"$f":"C618","v":"Proposed "},{"$f":"D618","v":"Different"},"Change(%)","IAO",{"$f":"G611","v":"Proposed "},{"$f":"H611","v":"Different"},"Change(%)"]
["0 - 4",2.2309999999999999,null,{"$f":"C628-B628","v":-2.2309999999999999},{"$f":"D628/B628","v":-1},1.5109999999999999,null,{"$f":"G628-F628","v":-1.5109999999999999},{"$f":"H628/F628","v":-1}]
["5 - 8",1.8740000000000001,null,{"$f":"C629-B629","v":-1.8740000000000001},{"$f":"D629/B629","v":-1},1.359,null,{"$f":"G629-F629","v":-1.359},{"$f":"H629/F629","v":-1}]
["9 & over",1,null,{"$f":"C630-B630","v":-1},{"$f":"D630/B630","v":-1},1,null,{"$f":"G630-F630","v":-1},{"$f":"H630/F630","v":-1}]
[]
["Collision"]
[null,"IAO",{"$f":"C627","v":"Proposed "},{"$f":"D627","v":"Different"},"Change(%)"]
["0 - 4",2.153,null,{"$f":"C634-B634","v":-2.153},{"$f":"D634/B634","v":-1}]
["5 - 8",1.7949999999999999,null,{"$f":"C635-B635","v":-1.7949999999999999},{"$f":"D635/B635","v":-1}]
["9 & over",1,null,{"$f":"C636-B636","v":-1},{"$f":"D636/B636","v":-1}]
[]
["Driving Record Differentials"]
["Driving Record  ",{"$f":"B626","v":"BI & PD"},null,null,null,{"$f":"F626","v":"Direct CompensationProperty Damage(DCPD)"}]
[null,"IAO",{"$f":"C627","v":"Proposed "},{"$f":"D627","v":"Different"},"Change(%)","IAO","Proposed ","Different","Change(%)"]
[0,2.1549999999999998,null,{"$f":"C641-B641","v":-2.1549999999999998},{"$f":"D641/B641","v":-1},1.401,null,{"$f":"G641-F641","v":-1.401},{"$f":"H641/F641","v":-1}]
["Other",1,null,{"$f":"C642-B642","v":-1},{"$f":"D642/B642","v":-1},1,null,{"$f":"G642-F642","v":-1},{"$f":"H642/F642","v":-1}]
[]
["Collision"]
[null,"IAO",{"$f":"C633","v":"Proposed "},{"$f":"D633","v":"Different"},"Change(%)"]
[0,2.2709999999999999,null,{"$f":"C646-B646","v":-2.2709999999999999},{"$f":"D646/B646","v":-1}]
["Other",1,null,{"$f":"C647-B647","v":-1},{"$f":"D647/B647","v":-1}]
[]
["Limit Differentials"]
[{"$f":"A360","v":"Limit (000)"},{"$f":"B639","v":"BI & PD"},null,null,null,"END 44"]
[null,"IAO",{"$f":"C640","v":"Proposed "},{"$f":"D640","v":"Different"},"Change(%)","IAO","Proposed ","Different","Change(%)"]
[200,1,null,{"$f":"C652-B652","v":-1},{"$f":"D652/B652","v":-1},1,null,{"$f":"G652-F652","v":-1},{"$f":"H652/F652","v":-1}]
[300,1.1559999999999999,null,-1.1559999999999999,{"$f":"D653/B653","v":-1},3,null,-3,{"$f":"H653/F653","v":-1}]
[500,1.3460000000000001,null,-1.3460000000000001,-1,6,null,-6,-1]
[1000,1.5640000000000001,null,-1.5640000000000001,-1,9,null,-9,-1]
[2000,1.6679999999999999,null,-1.6679999999999999,-1,13,null,-13,-1]
[3000,1.7030000000000001,null,-1.7030000000000001,-1,15,null,-15,-1]
[5000,1.73,null,-1.73,-1,17,null,-17,-1]
[]
["Deductible Differentials"]
["Deductible",{"$f":"F626","v":"Direct CompensationProperty Damage(DCPD)"},null,null,null,"Collision"]
[null,"IAO",{"$f":"C651","v":"Proposed "},{"$f":"D651","v":"Different"},"Change(%)","IAO","Proposed ","Different","Change(%)"]
[0,1,null,{"$f":"C663-B663","v":-1},{"$f":"D663/B663","v":-1},"---"]
[100,null,null,null,null,1.01,null,{"$f":"G664-F664","v":-1.01},{"$f":"H664/F664","v":-1}]
[250,null,null,null,null,1,null,-1,-1]
[500,null,null,null,null,0.98299999999999998,null,-0.98299999999999998,-1]
[1000,null,null,null,null,0.95,null,-0.95,-1]
[1500,null,null,null,null,0.91800000000000004,null,-0.91800000000000004,-1]
[2000,null,null,null,null,0.88800000000000001,null,-0.88800000000000001,-1]
[2500,null,null,null,null,0.86,null,-0.86,-1]
[{"$f":"A661","v":"Deductible"},{"$f":"B606","v":"Comprehensive"},null,null,null,{"$f":"B607","v":"Specified Perils"}]
[null,"IAO",{"$f":"C662","v":"Proposed "},"Different","Change(%)","IAO","Proposed ","Different","Change(%)"]
[0,"---",null,null,null,"---"]
[100,1,null,{"$f":"C674-B674","v":-1},{"$f":"D674/B674","v":-1},1,null,{"$f":"G674-F674","v":-1},{"$f":"H674/F674","v":-1}]
[250,0.99099999999999999,null,-0.99099999999999999,-1,0.99099999999999999,null,-0.99099999999999999,-1]
[500,0.97599999999999998,null,-0.97599999999999998,-1,0.97599999999999998,null,-0.97599999999999998,-1]
[1000,0.94699999999999995,null,-0.94699999999999995,-1,0.94699999999999995,null,-0.94699999999999995,-1]
[1500,0.92,null,-0.92,-1,0.92,null,-0.92,-1]
[2000,0.89500000000000002,null,-0.89500000000000002,-1,0.89500000000000002,null,-0.89500000000000002,-1]
[2500,0.871,null,-0.871,-1,0.871,null,-0.871,-1]
[]
["Rating Group Differentials"]
["Rate Groups",{"$f":"B507","v":"DCPD-Coll-Comp"},null,null,{"$f":"F671","v":"Specified Perils"}]
[null,"IAO",{"$f":"C672","v":"Proposed "},{"$f":"D672","v":"Different"},"IAO",{"$f":"G672","v":"Proposed "},{"$f":"H672","v":"Different"}]
[1,0.25,null,{"$f":"(C685-B685)/B685","v":-1},0.25,null,{"$f":"(F685-E685)/E685","v":-1}]
[2,0.27,null,-1,0.27,null,-1]
[3,0.29199999999999998,null,-1,0.29199999999999998,null,-1]
[4,0.315,null,-1,0.315,null,-1]
[5,0.34,null,-1,0.34,null,-1]
[6,0.36799999999999999,null,-1,0.36799999999999999,null,-1]
[7,0.39700000000000002,null,-1,0.39700000000000002,null,-1]
[8,0.42899999999999999,null,-1,0.42899999999999999,null,-1]
[9,0.46300000000000002,null,-1,0.46300000000000002,null,-1]
[10,0.5,null,-1,0.5,null,-1]
[11,0.54,null,-1,0.54,null,-1]
[12,0.58299999999999996,null,-1,0.58299999999999996,null,-1]
[13,0.63,null,-1,0.63,null,-1]
[14,0.68100000000000005,null,-1,0.68100000000000005,null,-1]
[15,0.73499999999999999,null,-1,0.73499999999999999,null,-1]
[16,0.79400000000000004,null,-1,0.79400000000000004,null,-1]
[17,0.85699999999999998,null,-1,0.85699999999999998,null,-1]
[18,0.92600000000000005,null,-1,0.92600000000000005,null,-1]
[19,1,null,-1,1,null,-1]
[20,1.08,null,-1,1.08,null,-1]
["Over 20",8,null,-1,8,null,-1]
[]
["Date of Approved IAO rates",null,"2018-09-11",null,null,"Taxi & Limo"]
[]
["2018 IAO Approved"]
[{"$f":"A598","v":"Base Premiums"}]
["Type",null,null,null,null,"IOA",{"$f":"C672","v":"Proposed "},{"$f":"D672","v":"Different"},{"$f":"E672","v":"Change(%)"}]
[null,"Road/Passenger Hazard - Bodily Injury",null,null,null,890.84,null,{"$f":"G712-F712","v":-890.84},{"$f":"H712/F712","v":-1}]
[null,{"$f":"B213","v":"Road Hazard - Property Damage"},null,null,null,38.94,null,-38.94,-1]
[null,{"$f":"B214","v":"Road Hazard - DCPD"},null,null,null,361.24,null,-361.24,-1]
[null,{"$f":"B216","v":"Passenger Hazard - Property Damage"},null,null,null,9.02,null,-9.02,-1]
[null,{"$f":"B603","v":"Accident Benefits (AB)"},null,null,null,828.58,null,-828.58,-1]
[null,{"$f":"B604","v":"Uninsured Motorist"},null,null,null,116.34,null,-116.34,-1]
[]
[{"$f":"A649","v":"Limit Differentials"}]
[{"$f":"A650","v":"Limit (000)"},"Road/Passenger Hazard - BI/PD"]
[null,"IAO ",{"$f":"G711","v":"Proposed "},{"$f":"H711","v":"Different"},{"$f":"I711","v":"Change(%)"}]
[200,1,null,{"$f":"C722-B722","v":-1},{"$f":"(C722-B722)/B722","v":-1}]
[300,1.075,null,-1.075,-1]
[500,1.155,null,-1.155,-1]
[1000,1.224,null,-1.224,-1]
[2000,1.357,null,-1.357,-1]
[3000,1.4179999999999999,null,-1.4179999999999999,-1]
[5000,1.4710000000000001,null,-1.4710000000000001,-1]
[10000,1.512,null,-1.512,-1]
[]
[{"$f":"A319","v":"Limit"},{"$f":"A731","v":"Limit"}]
[null,"IAO ",{"$f":"C721","v":"Proposed "},{"$f":"D721","v":"Different"},"Change(%)"]
[5000,1,null,{"$f":"C733-B733","v":-1},{"$f":"(C733-B733)/B733","v":-1}]
[10000,1.649,null,{"$f":"C734-B734","v":-1.649},{"$f":"(C734-B734)/B734","v":-1}]
[25000,2.7469999999999999,null,{"$f":"C735-B735","v":-2.7469999999999999},{"$f":"(C735-B735)/B735","v":-1}]
[50000,3.6669999999999998,null,{"$f":"C736-B736","v":-3.6669999999999998},{"$f":"(C736-B736)/B736","v":-1}]
[]
[{"$f":"A638","v":"Driving Record Differentials"}]
[{"$f":"A639","v":"Driving Record  "},{"$f":"B639","v":"BI & PD"},null,null,null,{"$f":"F639","v":"Direct CompensationProperty Damage(DCPD)"}]
[null,"IAO ",{"$f":"C732","v":"Proposed "},{"$f":"D732","v":"Different"},{"$f":"E732","v":"Change(%)"},"IAO ",{"$f":"C732","v":"Proposed "},{"$f":"D732","v":"Different"},"Change(%)"]
[0,2.282,null,{"$f":"C741-B741","v":-2.282},{"$f":"D741/B741","v":-1},1.7989999999999999,null,{"$f":"G741-F741","v":-1.7989999999999999},{"$f":"H741/F741","v":-1}]
[1,1.528,null,-1.528,-1,1.363,null,-1.363,-1]
[2,1.44,null,-1.44,-1,1.3380000000000001,null,-1.3380000000000001,-1]
[3,1,null,-1,-1,1,null,-1,-1]
[4,0.69599999999999995,null,-0.69599999999999995,-1,0.71099999999999997,null,-0.71099999999999997,-1]
[5,0.68300000000000005,null,-0.68300000000000005,-1,0.69399999999999995,null,-0.69399999999999995,-1]
[6,0.67100000000000004,null,-0.67100000000000004,-1,0.65900000000000003,null,-0.65900000000000003,-1]
[]
[{"$f":"A660","v":"Deductible Differentials"}]
[{"$f":"A661","v":"Deductible"},{"$f":"F739","v":"Direct CompensationProperty Damage(DCPD)"}]
[null,"IAO ",{"$f":"C740","v":"Proposed "},{"$f":"D740","v":"Different"},"Change(%)"]
[0,1,null,{"$f":"C752-B752","v":-1},{"$f":"(C752-B752)/B752","v":-1}]
[25]
[50]
[100]
[200]
[250]
[500]
[1000]
[1500]
[2000]
[2500]
[]
[{"$f":"A682","v":"Rating Group Differentials"}]
[{"$f":"A683","v":"Rate Groups"},{"$f":"F739","v":"Direct CompensationProperty Damage(DCPD)"}]
[null,"IAO ",{"$f":"C751","v":"Proposed "},{"$f":"D751","v":"Different"},"Change(%)"]
[1,0.46,null,{"$f":"C767-B767","v":-0.46},{"$f":"(C767-B767)/B767","v":-1}]
[2,0.52,null,-0.52,-1]
[3,0.55000000000000004,null,-0.55000000000000004,-1]
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[5,0.6,null,-0.6,-1]
[6,0.65,null,-0.65,-1]
[7,0.75,null,-0.75,-1]
[8,0.85,null,-0.85,-1]
[9,1,null,-1,-1]
[10,1.18,null,-1.18,-1]
[11,1.37,null,-1.37,-1]
[12,1.58,null,-1.58,-1]
[13,1.8,null,-1.8,-1]
[14,2.0299999999999998,null,-2.0299999999999998,-1]
[15,2.2599999999999998,null,-2.2599999999999998,-1]
[16,2.4900000000000002,null,-2.4900000000000002,-1]
[17,2.71,null,-2.71,-1]
[18,2.92,null,-2.92,-1]
[19,3.12,null,-3.12,-1]
[20,3.32,null,-3.32,-1]
[21,3.5,null,-3.5,-1]
[22,3.69,null,-3.69,-1]
[23,3.86,null,-3.86,-1]
[24,4.03,null,-4.03,-1]
[25,4.1900000000000004,null,-4.1900000000000004,-1]
[26,4.3600000000000003,null,-4.3600000000000003,-1]
[27,4.5199999999999996,null,-4.5199999999999996,-1]
[28,4.6900000000000004,null,-4.6900000000000004,-1]
[29,4.8499999999999996,null,-4.8499999999999996,-1]
[30,5.0199999999999996,null,-5.0199999999999996,-1]
["Over 30",0.16999999999999993,null,-0.16999999999999993,-1]
[]
["Exclusively Owner Driven Taxis Discount"]
["10.00 % of Total Premium"]
[]
["PPA (Class 7) Factors"]
["Collision",{"$f":"B671","v":"Comprehensive"},{"$f":"E683","v":"Specified Perils"}]
[2.5,2.5,2.5]

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[null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!E1","v":"Billing Number:"},null,{"$f":"'Start Here NBIB Cover Sheet'!H1","v":0},null,null,{"$f":"'Start Here NBIB Cover Sheet'!M10","v":"00:00:00"}]
[]
["Map of rating territories if not using the 11 statistical territories"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,"insert here "]

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["Graphs"]
["Market Share - Approved Rate Changes - Exposures and Premiums-Average Premium-Expenses-ROE"]
[]
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[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["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"]
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[]
[]
[]
["Change in Exposures and Premiums - Average Premiums"]
[]
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[]
[" "]
["Indicated-Selected-Approved 4 Year Trend"]
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["AP",null,null,{"$f":"'Review Summary - Cover Sheet'!C318","v":0},{"$f":"'Review Summary - Cover Sheet'!D318","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D493","v":0},{"$f":"'Step 2 NBIB Confidential'!E493","v":0},{"$f":"'Step 2 NBIB Confidential'!F493","v":0},{"$f":"'Step 2 NBIB Confidential'!G493","v":0},{"$f":"'Step 2 NBIB Confidential'!H493","v":0},{"$f":"'Step 2 NBIB Confidential'!I493","v":0},{"$f":"'Step 2 NBIB Confidential'!J493","v":0},{"$f":"'Step 2 NBIB Confidential'!K493","v":0},{"$f":"'Step 2 NBIB Confidential'!L493","v":0},{"$f":"'Step 2 NBIB Confidential'!M493","v":0},{"$f":"'Step 2 NBIB Confidential'!N493","v":0},{"$f":"'Step 2 NBIB Confidential'!O493","v":0}]
["SEF 44",null,null,{"$f":"'Review Summary - Cover Sheet'!C319","v":0},{"$f":"'Review Summary - Cover Sheet'!D319","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D494","v":0},{"$f":"'Step 2 NBIB Confidential'!E494","v":0},{"$f":"'Step 2 NBIB Confidential'!F494","v":0},{"$f":"'Step 2 NBIB Confidential'!G494","v":0},{"$f":"'Step 2 NBIB Confidential'!H494","v":0},{"$f":"'Step 2 NBIB Confidential'!I494","v":0},{"$f":"'Step 2 NBIB Confidential'!J494","v":0},{"$f":"'Step 2 NBIB Confidential'!K494","v":0},{"$f":"'Step 2 NBIB Confidential'!L494","v":0},{"$f":"'Step 2 NBIB Confidential'!M494","v":0},{"$f":"'Step 2 NBIB Confidential'!N494","v":0},{"$f":"'Step 2 NBIB Confidential'!O494","v":0}]
["TOC",null,null,{"$f":"'Review Summary - Cover Sheet'!C320","v":0},{"$f":"'Review Summary - Cover Sheet'!D320","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D495","v":0},{"$f":"'Step 2 NBIB Confidential'!E495","v":0},{"$f":"'Step 2 NBIB Confidential'!F495","v":0},{"$f":"'Step 2 NBIB Confidential'!G495","v":0},{"$f":"'Step 2 NBIB Confidential'!H495","v":0},{"$f":"'Step 2 NBIB Confidential'!I495","v":0},{"$f":"'Step 2 NBIB Confidential'!J495","v":0},{"$f":"'Step 2 NBIB Confidential'!K495","v":0},{"$f":"'Step 2 NBIB Confidential'!L495","v":0},{"$f":"'Step 2 NBIB Confidential'!M495","v":0},{"$f":"'Step 2 NBIB Confidential'!N495","v":0},{"$f":"'Step 2 NBIB Confidential'!O495","v":0}]
[]
["All Coverages Combined",null,null,{"$f":"'Review Summary - Cover Sheet'!C322","v":0},{"$f":"'Review Summary - Cover Sheet'!D322","v":0},null,{"$f":"'Step 2 NBIB Confidential'!D497","v":0},{"$f":"'Step 2 NBIB Confidential'!E497","v":0},{"$f":"'Step 2 NBIB Confidential'!F497","v":0},{"$f":"'Step 2 NBIB Confidential'!G497","v":0},{"$f":"'Step 2 NBIB Confidential'!H497","v":0},{"$f":"'Step 2 NBIB Confidential'!I497","v":0},{"$f":"'Step 2 NBIB Confidential'!J497","v":0},{"$f":"'Step 2 NBIB Confidential'!K497","v":0},{"$f":"'Step 2 NBIB Confidential'!L497","v":0},{"$f":"'Step 2 NBIB Confidential'!M497","v":0},{"$f":"'Step 2 NBIB Confidential'!N497","v":0},{"$f":"'Step 2 NBIB Confidential'!O497","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,{"$f":"'Step 2 NBIB Confidential'!B199","v":0},{"$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'!B200","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'!B201","v":0},{"$f":"B123/#REF!","v":{"$error":"#REF!"}},3592,8.688921141751331E-2,null,null,null,null,3592,8.688921141751331E-2]
[4,{"$f":"'Step 2 NBIB Confidential'!B202","v":0},{"$f":"B124/#REF!","v":{"$error":"#REF!"}},2809,6.7948717948717943E-2,null,null,null,null,2809,6.7948717948717943E-2]
[5,{"$f":"'Step 2 NBIB Confidential'!B203","v":0},{"$f":"B125/#REF!","v":{"$error":"#REF!"}},3720,8.9985486211901305E-2,null,null,null,null,3720,8.9985486211901305E-2]
[6,{"$f":"'Step 2 NBIB Confidential'!B204","v":0},{"$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'!B205","v":0},{"$f":"B128/#REF!","v":{"$error":"#REF!"}},2659,6.4320270924044506E-2,null,null,null,null,2659,6.4320270924044506E-2]
[9,{"$f":"'Step 2 NBIB Confidential'!B206","v":0},{"$f":"B129/#REF!","v":{"$error":"#REF!"}},2776,6.7150459603289789E-2,null,null,null,null,2776,6.7150459603289789E-2]
[10,{"$f":"'Step 2 NBIB Confidential'!B207","v":0},{"$f":"B130/#REF!","v":{"$error":"#REF!"}},4737,0.11458635703918722,null,null,null,null,4737,0.11458635703918722]
[11,{"$f":"'Step 2 NBIB Confidential'!B208","v":0},{"$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,{"$f":"'Step 2 NBIB Confidential'!E563","v":0},{"$f":"'Step 2 NBIB Confidential'!F563","v":0},{"$f":"'Step 2 NBIB Confidential'!G563","v":0},{"$f":"'Step 2 NBIB Confidential'!H563","v":0},{"$f":"'Step 2 NBIB Confidential'!I563","v":0}]
["ROE Implied by Selected Rate Change",null,{"$f":"'Step 2 NBIB Confidential'!E564","v":0},{"$f":"'Step 2 NBIB Confidential'!F564","v":0},{"$f":"'Step 2 NBIB Confidential'!G564","v":0},{"$f":"'Step 2 NBIB Confidential'!H564","v":0},{"$f":"'Step 2 NBIB Confidential'!I564","v":0}]
[]
["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,{"$f":"'Step 2 NBIB Confidential'!O162","v":0},null,2010,null,null,2014,{"$f":"'Step 2 NBIB Confidential'!G537","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":"Acquision Merger","index":30,"n_rows":16,"n_cols":2,"rows_kept":16,"cut":false,"hidden":true,"merged":[[0,1,0,8],[2,1,2,8],[13,0,13,8],[15,0,15,8]]}
[null,"Acquisition /Merger Filing Guidelines "]
[]
[null,"Prior to filing , call Kelly Ferris at (506) 643-7711 to discuss filing requirements"]
[]
[null,"Details to be reported must include, but are not limited to,"]
[null,"date of acquisition/merger"]
[null,"name of new company if applicable"]
[null,"c) the premium volume,"]
[null,"d) complete details of the transaction"]
[null,"e) a timeline as to how the transaction will take place"]
[null,"capping if applicable"]
[null,"f) legal confirmation of name change , if applicable"]
[]
["Please submit the above information to the Board for review via email kelly.ferris@nbib-canb.org.  This list does not preclude the Board for requesting further information in relation to this error."]
[]
["Once received, the Board will open a file and proceed to review and will advise if further action is required."]

{"sheet":"Portfolio Transfer","index":31,"n_rows":29,"n_cols":10,"rows_kept":29,"cut":false,"hidden":true,"merged":[[0,1,0,8],[31,1,31,9],[33,1,33,9],[12,1,12,9],[14,1,14,9],[17,1,18,1],[17,2,17,3],[17,4,17,6],[17,7,17,9],[16,1,16,9],[2,1,2,5],[4,1,4,5],[6,1,6,5],[8,1,8,5],[10,1,10,5]]}
[null,"Portfolio Transfer - Filing Guidelines"]
[]
[null,"What is the estimated premium volume/in force exposures of the book to be transferred"]
[]
[null,"a dislocation table should be provided, prior to any proposed capping"]
[]
[null,"what class of vehicles will be affected by this transfer"]
[]
[null,"what are the details on this transaction - i.e. which broker and which insurer's are involved"]
[]
[null,"   any proposed capping"]
[]
[null,"Please submit the above information to the Board for review via email kelly.ferris@nbib-canb.org.  This list does not preclude the Board for requesting further information in relation to this error."]
[]
[null,"Once received, the Board will open a file and proceed to review and will advise if further action is required."]
[]
[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"]

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[{"$f":"'Start Here NBIB Cover Sheet'!A4:B4","v":"Company Name"},null,{"$f":"'Start Here NBIB Cover Sheet'!C4:I4","v":0},null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!J4:K4","v":"Date of Filing:"},null,{"$f":"'Start Here NBIB Cover Sheet'!L4","v":0},{"$f":"'Start Here NBIB Cover Sheet'!M4:O4","v":"00:00:00"}]
[null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!F5:G5","v":"Company Short Name"},null,{"$f":"'Start Here NBIB Cover Sheet'!H5:I5","v":{"$error":"#N/A"}},null,null,{"$f":"'Start Here NBIB Cover Sheet'!J5:L5","v":0},null,{"$f":"'Start Here NBIB Cover Sheet'!M5:O5","v":"00:00:00"}]
[{"$f":"'Start Here NBIB Cover Sheet'!A7:C7","v":"Filing Type:"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!D7:F7","v":0},null,null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!M7:O7","v":"00:00:00"}]
[{"$f":"'Start Here NBIB Cover Sheet'!A8:C8","v":"Vehicle Type:"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!D8:E8","v":0},null,null,null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!M8:O8","v":"00:00:00"}]
[{"$f":"'Start Here NBIB Cover Sheet'!A9:C9","v":"Overall Selected Rate Change:"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!D9","v":0},null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!H9:O9","v":0}]
[{"$f":"'Start Here NBIB Cover Sheet'!A10:C10","v":"Indicated Rate change"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!D10","v":0},null,null,null,null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!E1","v":"Billing Number:"},null,{"$f":"'Start Here NBIB Cover Sheet'!H1","v":0}]
[]
[{"$f":"'Start Here NBIB Cover Sheet'!A12:B12","v":"Proposed Effective Dates:"},null,{"$f":"'Start Here NBIB Cover Sheet'!G12","v":0},{"$f":"'Start Here NBIB Cover Sheet'!D12:F12","v":"00:00:00"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!G12:G12","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!H12:N12","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!O12","v":0}]
[null,null,{"$f":"'Start Here NBIB Cover Sheet'!G13","v":0},{"$f":"'Start Here NBIB Cover Sheet'!D13:F13","v":"00:00:00"},null,null,{"$f":"'Start Here NBIB Cover Sheet'!G13:J13","v":0},null,null,null,{"$f":"'Start Here NBIB Cover Sheet'!K13:L13","v":0},null,{"$f":"'Start Here NBIB Cover Sheet'!M13:O13","v":"00:00:00"}]
[]
[]
[]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B578, Language!$A$578)","v":"Base Premiums"},null,{"$f":"'Start Here NBIB Cover Sheet'!H5","v":{"$error":"#N/A"}},null,"comparision to Facility Rates",null,null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B784, Language!$A$784)","v":"PPV"},"2018-063","2018-11-15"]
[" ",{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B584, Language!$A$584)","v":"Bodily Injury & Property Damage"},null,null,null,null,null,null,null,null,null,""]
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[1,740.73,null,{"$f":"C17-B17","v":-740.73},{"$f":"D17/B17","v":-1},1,43.11,null,{"$f":"H17-G17","v":-43.11},{"$f":"I17/G17","v":-1},"R"]
[2,745.57,null,-745.57,-1,2,43.4,null,-43.4,-1,"R"]
[3,831.13,null,-831.13,-1,3,43.38,null,-43.38,-1,"R"]
[4,776.84,null,-776.84,-1,4,45.21,null,-45.21,-1,"R"]
[5,788.76,null,-788.76,-1,5,45.9,null,-45.9,-1,"R"]
[6,797.94,null,-797.94,-1,6,46.44,null,-46.44,-1,"U"]
[7,759.64,null,-759.64,-1,7,44.2,null,-44.2,-1,"U"]
[8,645.77,null,-645.77,-1,8,37.58,null,-37.58,-1,"U"]
[9,847.86,null,-847.86,-1,9,49.34,null,-49.34,-1,"U"]
[10,763.75,null,-763.75,-1,10,44.45,null,-44.45,-1,"R"]
[11,595.4,null,-595.4,-1,11,34.65,null,-34.65,-1,"R"]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B585, Language!$A$585)","v":"Direct Compensation Property Damage"},null,null,null,null,{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B586, Language!$A$586)","v":"Accident Benefits"}]
[{"$f":"A16","v":"Territory"},"FA",{"$f":"H16","v":"Proposed "},{"$f":"I16","v":"Different"},"Change(%)",{"$f":"A16","v":"Territory"},"FA",{"$f":"H16","v":"Proposed "},{"$f":"I16","v":"Different"},"Change(%)"]
[1,52.23,null,{"$f":"C30-G30","v":-421.6},{"$f":"D30/G30","v":-1},1,421.6,null,{"$f":"H30-B30","v":-52.23},{"$f":"I30/B30","v":-1}]
[2,52.57,null,-414.09,-1,2,414.09,null,-52.57,-1]
[3,58.59,null,-374.06,-1,3,374.06,null,-58.59,-1]
[4,54.76,null,-696.82,-1,4,696.82,null,-54.76,-1]
[5,55.12,null,-415.35,-1,5,415.35,null,-55.12,-1]
[6,55,null,-407.83,-1,6,407.83,null,-55,-1]
[7,52.36,null,-350.29,-1,7,350.29,null,-52.36,-1]
[8,44.51,null,-340.3,-1,8,340.3,null,-44.51,-1]
[9,58.44,null,-401.58,-1,9,401.58,null,-58.44,-1]
[10,53.83,null,-297.74,-1,10,297.74,null,-53.83,-1]
[11,41.49,null,-277.72000000000003,-1,11,277.72000000000003,null,-41.49,-1]
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[]
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[]
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[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B652, Language!$A$652)","v":"* Form part of Third Party Liability. If there is no break-down, put TPL under Bodily Injury and include Health Levy, if applicable."}]
[{"$f":"IF('Start Here NBIB Cover Sheet'!$H$3 = 'Drop Down'!$A$5, Language!B653, Language!$A$653)","v":"Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges."}]
[]
[" ",null,null,null,null,null,null," "]

{"sheet":"Harmonization","index":33,"n_rows":5,"n_cols":2,"rows_kept":5,"cut":false,"hidden":true,"merged":[[4,1,4,8],[1,1,1,8]]}
[]
[null,"Harmonization or Merging of Group of Companies"]
[]
[]
[null,"Prior to filing , call Kelly Ferris at (506) 643-7711 to discuss filing requirements"]