{"text_format":"1","workbook":"xlsx","n_sheets":46,"sheets":["Settings","References","Instructions","1.General","2.Summary","3.1YieldFIT","3.2YieldFIT","4.1Excluded Exp","4.2Excluded Exp","5.CDI Parameters","6.1Ratemaking Data","6.2Ratemaking Data","6.3Ratemaking Data","6.4Ratemaking Data","6.5Ratemaking Data","6.6Ratemaking Data","6.7Ratemaking Data","6.8Ratemaking Data","6.9Ratemaking Data","6.10Ratemaking Data","7.1Rate Change Calculation","7.2Rate Change Calculation","7.3Rate Change Calculation","7.4Rate Change Calculation","7.5Rate Change Calculation","7.6Rate Change Calculation","7.7Rate Change Calculation","7.8Rate Change Calculation","7.9Rate Change Calculation","7.10Rate Change Calculation","8.1LCM Calculation","8.2LCM Calculation","8.3LCM Calculation","8.4LCM Calculation","8.5LCM Calculation","8.6LCM Calculation","8.7LCM Calculation","8.8LCM Calculation","8.9LCM Calculation","8.10LCM Calculation","Efficiency Standard","Leverage Factor","Reserves Ratio","Incurred Loss & DCCE","Federal Income Tax Rate","Commission Rates"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":1,"defined_names":1016,"comments":3,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Settings","index":0,"n_rows":110,"n_cols":5,"rows_kept":110,"cut":false,"hidden":true,"merged":[]}
["For Department Use Only"]
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["Password:","FqbKybXh"]
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[]
["Enter Edition Date here=>","6/02/2025"]
["Click button below to update footers for each sheet of the application with new edition date."]
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["Check to ensure that each sheet's print preview shows the correct edition date."]
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["Click button below to hide all reference sheets that are for Department use only, including this Input sheet."]
["(Note: Run macro explicitly from Developer menu to unhide sheets.)"]
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[]
["RangeNames"]
["Edition_Date",{"$f":"B10&\" Edition\"","v":"6/02/2025 Edition"},null,"CDI_FileNo",{"$f":"IF(ISBLANK('1.General'!$C$10),\"\",'1.General'!$C$10)","v":""}]
["Co_Name",{"$f":"IF(ISBLANK('1.General'!$C$13),\"\",'1.General'!$C$13)","v":""},null,"Completed_By",{"$f":"IF(ISBLANK('1.General'!$C$8),\"\",'1.General'!$C$8)","v":""}]
["General_Line",{"$f":"INDEX(List_GeneralLine,References!$F$5,1)","v":0},null,"Completed_Date",{"$f":"IF(ISBLANK('1.General'!$F$8),\"\",'1.General'!$F$8)","v":""}]
["Yield",{"$f":"IFERROR('3.2YieldFIT'!$D$42,\"\")","v":""},null,"EffDate_Proposed",{"$f":"IF(ISBLANK('1.General'!$D$23),\"\",'1.General'!$D$23)","v":""}]
["FIT_Inv",{"$f":"IFERROR('3.2YieldFIT'!$F$34,\"\")","v":""},null,"LCM_Indicator",false]
["New_Program",false,null,"Rein_Indicator",{"$f":"IF(OR(RIGHT(Detailed_LineCode01)=\"R\",RIGHT(Detailed_LineCode02)=\"R\",RIGHT(Detailed_LineCode03)=\"R\",RIGHT(Detailed_LineCode04)=\"R\",RIGHT(Detailed_LineCode05)=\"R\",RIGHT(Detailed_LineCode06)=\"R\",RIGHT(Detailed_LineCode07)=\"R\",RIGHT(Detailed_LineCode08)=\"R\",RIGHT(Detailed_LineCode09)=\"R\",RIGHT(Detailed_LineCode10)=\"R\"),TRUE,FALSE)","v":false}]
["New_Insurer_Group",false,null,"SERFF_Filing_Date",{"$f":"IF(ISBLANK('1.General'!$F$10),\"\",'1.General'!$F$10)","v":""}]
["ExpRatio_Excluded",{"$f":"IFERROR('4.2Excluded Exp'!$E$20,0)","v":0}]
[]
["Lines of Business Associated with Coverages, as defined below:",null,null,"Codes Corresponding to Lines of Business"]
["Detailed_LineDesc01",{"$f":"IF(Covg01=\"\",\"\",INDEX(List_DetailLine,'1.General'!$A34,1))","v":""},null,"Detailed_LineCode01",{"$f":"IF(OR(Covg01=\"\",ISERR(Detailed_LineDesc01)),\"\",\nIF(AND($B30=\"Fire\",References!D5=2),\"1.0P\",\nIF(AND($B30=\"Fire\",References!D5=1),\"1.0C\",VLOOKUP($B30,List_DetailLine,2,FALSE))))","v":""}]
["Detailed_LineDesc02",{"$f":"IF(Covg02=\"\",\"\",INDEX(List_DetailLine,'1.General'!$A35,1))","v":""},null,"Detailed_LineCode02",{"$f":"IF(OR(Covg02=\"\",ISERR(Detailed_LineDesc02)),\"\",\nIF(AND($B31=\"Fire\",References!D5=2),\"1.0P\",\nIF(AND($B31=\"Fire\",References!D5=1),\"1.0C\",VLOOKUP($B31,List_DetailLine,2,FALSE))))","v":""}]
["Detailed_LineDesc03",{"$f":"IF(Covg03=\"\",\"\",INDEX(List_DetailLine,'1.General'!$A36,1))","v":""},null,"Detailed_LineCode03",{"$f":"IF(OR(Covg03=\"\",ISERR(Detailed_LineDesc03)),\"\",\nIF(AND($B32=\"Fire\",References!D5=2),\"1.0P\",\nIF(AND($B32=\"Fire\",References!D5=1),\"1.0C\",VLOOKUP($B32,List_DetailLine,2,FALSE))))","v":""}]
["Detailed_LineDesc04",{"$f":"IF(Covg04=\"\",\"\",INDEX(List_DetailLine,'1.General'!$A37,1))","v":""},null,"Detailed_LineCode04",{"$f":"IF(OR(Covg04=\"\",ISERR(Detailed_LineDesc04)),\"\",\nIF(AND($B33=\"Fire\",References!D5=2),\"1.0P\",\nIF(AND($B33=\"Fire\",References!D5=1),\"1.0C\",VLOOKUP($B33,List_DetailLine,2,FALSE))))","v":""}]
["Detailed_LineDesc05",{"$f":"IF(Covg05=\"\",\"\",INDEX(List_DetailLine,'1.General'!$A38,1))","v":""},null,"Detailed_LineCode05",{"$f":"IF(OR(Covg05=\"\",ISERR(Detailed_LineDesc05)),\"\",\nIF(AND($B34=\"Fire\",References!D5=2),\"1.0P\",\nIF(AND($B34=\"Fire\",References!D5=1),\"1.0C\",VLOOKUP($B34,List_DetailLine,2,FALSE))))","v":""}]
["Detailed_LineDesc06",{"$f":"IF(Covg06=\"\",\"\",INDEX(List_DetailLine,'1.General'!$A39,1))","v":""},null,"Detailed_LineCode06",{"$f":"IF(OR(Covg06=\"\",ISERR(Detailed_LineDesc06)),\"\",\nIF(AND($B35=\"Fire\",References!D5=2),\"1.0P\",\nIF(AND($B35=\"Fire\",References!D5=1),\"1.0C\",VLOOKUP($B35,List_DetailLine,2,FALSE))))","v":""}]
["Detailed_LineDesc07",{"$f":"IF(Covg07=\"\",\"\",INDEX(List_DetailLine,'1.General'!$A40,1))","v":""},null,"Detailed_LineCode07",{"$f":"IF(OR(Covg07=\"\",ISERR(Detailed_LineDesc07)),\"\",\nIF(AND($B36=\"Fire\",References!D5=2),\"1.0P\",\nIF(AND($B36=\"Fire\",References!D5=1),\"1.0C\",VLOOKUP($B36,List_DetailLine,2,FALSE))))","v":""}]
["Detailed_LineDesc08",{"$f":"IF(Covg08=\"\",\"\",INDEX(List_DetailLine,'1.General'!$A41,1))","v":""},null,"Detailed_LineCode08",{"$f":"IF(OR(Covg08=\"\",ISERR(Detailed_LineDesc08)),\"\",\nIF(AND($B37=\"Fire\",References!D5=2),\"1.0P\",\nIF(AND($B37=\"Fire\",References!D5=1),\"1.0C\",VLOOKUP($B37,List_DetailLine,2,FALSE))))","v":""}]
["Detailed_LineDesc09",{"$f":"IF(Covg09=\"\",\"\",INDEX(List_DetailLine,'1.General'!$A42,1))","v":""},null,"Detailed_LineCode09",{"$f":"IF(OR(Covg09=\"\",ISERR(Detailed_LineDesc09)),\"\",\nIF(AND($B38=\"Fire\",References!D5=2),\"1.0P\",\nIF(AND($B38=\"Fire\",References!D5=1),\"1.0C\",VLOOKUP($B38,List_DetailLine,2,FALSE))))","v":""}]
["Detailed_LineDesc10",{"$f":"IF(Covg10=\"\",\"\",INDEX(List_DetailLine,'1.General'!$A43,1))","v":""},null,"Detailed_LineCode10",{"$f":"IF(OR(Covg10=\"\",ISERR(Detailed_LineDesc10)),\"\",\nIF(AND($B39=\"Fire\",References!D5=2),\"1.0P\",\nIF(AND($B39=\"Fire\",References!D5=1),\"1.0C\",VLOOKUP($B39,List_DetailLine,2,FALSE))))","v":""}]
[]
["Coverages, as entered by Company:",null,null,"Final Efficiency Standard, adjusted for Variance and Excluded Expense Ratio:"]
["Covg01",{"$f":"IF(ISBLANK('1.General'!$C34),\"\",'1.General'!$C34)","v":""},null,"EffStd_Final01",{"$f":"IF(ISBLANK('5.CDI Parameters'!$J11),\"\",'5.CDI Parameters'!$J11)","v":""}]
["Covg02",{"$f":"IF(ISBLANK('1.General'!$C35),\"\",'1.General'!$C35)","v":""},null,"EffStd_Final02",{"$f":"IF(ISBLANK('5.CDI Parameters'!$J12),\"\",'5.CDI Parameters'!$J12)","v":""}]
["Covg03",{"$f":"IF(ISBLANK('1.General'!$C36),\"\",'1.General'!$C36)","v":""},null,"EffStd_Final03",{"$f":"IF(ISBLANK('5.CDI Parameters'!$J13),\"\",'5.CDI Parameters'!$J13)","v":""}]
["Covg04",{"$f":"IF(ISBLANK('1.General'!$C37),\"\",'1.General'!$C37)","v":""},null,"EffStd_Final04",{"$f":"IF(ISBLANK('5.CDI Parameters'!$J14),\"\",'5.CDI Parameters'!$J14)","v":""}]
["Covg05",{"$f":"IF(ISBLANK('1.General'!$C38),\"\",'1.General'!$C38)","v":""},null,"EffStd_Final05",{"$f":"IF(ISBLANK('5.CDI Parameters'!$J15),\"\",'5.CDI Parameters'!$J15)","v":""}]
["Covg06",{"$f":"IF(ISBLANK('1.General'!$C39),\"\",'1.General'!$C39)","v":""},null,"EffStd_Final06",{"$f":"IF(ISBLANK('5.CDI Parameters'!$J16),\"\",'5.CDI Parameters'!$J16)","v":""}]
["Covg07",{"$f":"IF(ISBLANK('1.General'!$C40),\"\",'1.General'!$C40)","v":""},null,"EffStd_Final07",{"$f":"IF(ISBLANK('5.CDI Parameters'!$J17),\"\",'5.CDI Parameters'!$J17)","v":""}]
["Covg08",{"$f":"IF(ISBLANK('1.General'!$C41),\"\",'1.General'!$C41)","v":""},null,"EffStd_Final08",{"$f":"IF(ISBLANK('5.CDI Parameters'!$J18),\"\",'5.CDI Parameters'!$J18)","v":""}]
["Covg09",{"$f":"IF(ISBLANK('1.General'!$C42),\"\",'1.General'!$C42)","v":""},null,"EffStd_Final09",{"$f":"IF(ISBLANK('5.CDI Parameters'!$J19),\"\",'5.CDI Parameters'!$J19)","v":""}]
["Covg10",{"$f":"IF(ISBLANK('1.General'!$C43),\"\",'1.General'!$C43)","v":""},null,"EffStd_Final10",{"$f":"IF(ISBLANK('5.CDI Parameters'!$J20),\"\",'5.CDI Parameters'!$J20)","v":""}]
[]
["Efficiency Standard by Line weighted by Marketing System Distribution:",null,null,"Company's Requested Efficiency Standard Variance for the Line:"]
["EffStd_Wtd01",{"$f":"IF(ISBLANK('5.CDI Parameters'!$G11),\"\",'5.CDI Parameters'!$G11)","v":""},null,"EffStd_VarReq01",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!$J$39),0,'6.1Ratemaking Data'!$J$39)","v":0}]
["EffStd_Wtd02",{"$f":"IF(ISBLANK('5.CDI Parameters'!$G12),\"\",'5.CDI Parameters'!$G12)","v":""},null,"EffStd_VarReq02",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!$J$39),0,'6.2Ratemaking Data'!$J$39)","v":0}]
["EffStd_Wtd03",{"$f":"IF(ISBLANK('5.CDI Parameters'!$G13),\"\",'5.CDI Parameters'!$G13)","v":""},null,"EffStd_VarReq03",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!$J$39),0,'6.3Ratemaking Data'!$J$39)","v":0}]
["EffStd_Wtd04",{"$f":"IF(ISBLANK('5.CDI Parameters'!$G14),\"\",'5.CDI Parameters'!$G14)","v":""},null,"EffStd_VarReq04",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!$J$39),0,'6.4Ratemaking Data'!$J$39)","v":0}]
["EffStd_Wtd05",{"$f":"IF(ISBLANK('5.CDI Parameters'!$G15),\"\",'5.CDI Parameters'!$G15)","v":""},null,"EffStd_VarReq05",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!$J$39),0,'6.5Ratemaking Data'!$J$39)","v":0}]
["EffStd_Wtd06",{"$f":"IF(ISBLANK('5.CDI Parameters'!$G16),\"\",'5.CDI Parameters'!$G16)","v":""},null,"EffStd_VarReq06",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!$J$39),0,'6.6Ratemaking Data'!$J$39)","v":0}]
["EffStd_Wtd07",{"$f":"IF(ISBLANK('5.CDI Parameters'!$G17),\"\",'5.CDI Parameters'!$G17)","v":""},null,"EffStd_VarReq07",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!$J$39),0,'6.7Ratemaking Data'!$J$39)","v":0}]
["EffStd_Wtd08",{"$f":"IF(ISBLANK('5.CDI Parameters'!$G18),\"\",'5.CDI Parameters'!$G18)","v":""},null,"EffStd_VarReq08",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!$J$39),0,'6.8Ratemaking Data'!$J$39)","v":0}]
["EffStd_Wtd09",{"$f":"IF(ISBLANK('5.CDI Parameters'!$G19),\"\",'5.CDI Parameters'!$G19)","v":""},null,"EffStd_VarReq09",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!$J$39),0,'6.9Ratemaking Data'!$J$39)","v":0}]
["EffStd_Wtd10",{"$f":"IF(ISBLANK('5.CDI Parameters'!$G20),\"\",'5.CDI Parameters'!$G20)","v":""},null,"EffStd_VarReq10",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!$J$39),0,'6.10Ratemaking Data'!$J$39)","v":0}]
[]
["Company's Allowable Efficiency Standard Variance by Line:"]
["(Restricted to Difference between Company's Actual Expense Ratio and Efficiency Standard):",null,null,"Company's Actual Expense Ratio for the Line:"]
["EffStd_Var01",{"$f":"IF(ExpRatio_Actual01>EffStd_Wtd01,MIN(ExpRatio_Actual01-EffStd_Wtd01,EffStd_VarReq01),0)","v":0},null,"ExpRatio_Actual01",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!$J$40),0,'6.1Ratemaking Data'!$J$40)","v":0}]
["EffStd_Var02",{"$f":"IF(ExpRatio_Actual02>EffStd_Wtd02,MIN(ExpRatio_Actual02-EffStd_Wtd02,EffStd_VarReq02),0)","v":0},null,"ExpRatio_Actual02",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!$J$40),0,'6.2Ratemaking Data'!$J$40)","v":0}]
["EffStd_Var03",{"$f":"IF(ExpRatio_Actual03>EffStd_Wtd03,MIN(ExpRatio_Actual03-EffStd_Wtd03,EffStd_VarReq03),0)","v":0},null,"ExpRatio_Actual03",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!$J$40),0,'6.3Ratemaking Data'!$J$40)","v":0}]
["EffStd_Var04",{"$f":"IF(ExpRatio_Actual04>EffStd_Wtd04,MIN(ExpRatio_Actual04-EffStd_Wtd04,EffStd_VarReq04),0)","v":0},null,"ExpRatio_Actual04",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!$J$40),0,'6.4Ratemaking Data'!$J$40)","v":0}]
["EffStd_Var05",{"$f":"IF(ExpRatio_Actual05>EffStd_Wtd05,MIN(ExpRatio_Actual05-EffStd_Wtd05,EffStd_VarReq05),0)","v":0},null,"ExpRatio_Actual05",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!$J$40),0,'6.5Ratemaking Data'!$J$40)","v":0}]
["EffStd_Var06",{"$f":"IF(ExpRatio_Actual06>EffStd_Wtd06,MIN(ExpRatio_Actual06-EffStd_Wtd06,EffStd_VarReq06),0)","v":0},null,"ExpRatio_Actual06",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!$J$40),0,'6.6Ratemaking Data'!$J$40)","v":0}]
["EffStd_Var07",{"$f":"IF(ExpRatio_Actual07>EffStd_Wtd07,MIN(ExpRatio_Actual07-EffStd_Wtd07,EffStd_VarReq07),0)","v":0},null,"ExpRatio_Actual07",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!$J$40),0,'6.7Ratemaking Data'!$J$40)","v":0}]
["EffStd_Var08",{"$f":"IF(ExpRatio_Actual08>EffStd_Wtd08,MIN(ExpRatio_Actual08-EffStd_Wtd08,EffStd_VarReq08),0)","v":0},null,"ExpRatio_Actual08",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!$J$40),0,'6.8Ratemaking Data'!$J$40)","v":0}]
["EffStd_Var09",{"$f":"IF(ExpRatio_Actual09>EffStd_Wtd09,MIN(ExpRatio_Actual09-EffStd_Wtd09,EffStd_VarReq09),0)","v":0},null,"ExpRatio_Actual09",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!$J$40),0,'6.9Ratemaking Data'!$J$40)","v":0}]
["EffStd_Var10",{"$f":"IF(ExpRatio_Actual10>EffStd_Wtd10,MIN(ExpRatio_Actual10-EffStd_Wtd10,EffStd_VarReq10),0)","v":0},null,"ExpRatio_Actual10",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!$J$40),0,'6.10Ratemaking Data'!$J$40)","v":0}]
[]
["Unearned Premium Reserves Ratio for the Line:",null,null,"Loss Reserves Ratio for the Line:"]
["ResRatio_UPR01",{"$f":"IF(ISBLANK('5.CDI Parameters'!$D26),\"\",'5.CDI Parameters'!$D26)","v":""},null,"ResRatio_Loss01",{"$f":"IF(ISBLANK('5.CDI Parameters'!$E26),\"\",'5.CDI Parameters'!$E26)","v":""}]
["ResRatio_UPR02",{"$f":"IF(ISBLANK('5.CDI Parameters'!$D27),\"\",'5.CDI Parameters'!$D27)","v":""},null,"ResRatio_Loss02",{"$f":"IF(ISBLANK('5.CDI Parameters'!$E27),\"\",'5.CDI Parameters'!$E27)","v":""}]
["ResRatio_UPR03",{"$f":"IF(ISBLANK('5.CDI Parameters'!$D28),\"\",'5.CDI Parameters'!$D28)","v":""},null,"ResRatio_Loss03",{"$f":"IF(ISBLANK('5.CDI Parameters'!$E28),\"\",'5.CDI Parameters'!$E28)","v":""}]
["ResRatio_UPR04",{"$f":"IF(ISBLANK('5.CDI Parameters'!$D29),\"\",'5.CDI Parameters'!$D29)","v":""},null,"ResRatio_Loss04",{"$f":"IF(ISBLANK('5.CDI Parameters'!$E29),\"\",'5.CDI Parameters'!$E29)","v":""}]
["ResRatio_UPR05",{"$f":"IF(ISBLANK('5.CDI Parameters'!$D30),\"\",'5.CDI Parameters'!$D30)","v":""},null,"ResRatio_Loss05",{"$f":"IF(ISBLANK('5.CDI Parameters'!$E30),\"\",'5.CDI Parameters'!$E30)","v":""}]
["ResRatio_UPR06",{"$f":"IF(ISBLANK('5.CDI Parameters'!$D31),\"\",'5.CDI Parameters'!$D31)","v":""},null,"ResRatio_Loss06",{"$f":"IF(ISBLANK('5.CDI Parameters'!$E31),\"\",'5.CDI Parameters'!$E31)","v":""}]
["ResRatio_UPR07",{"$f":"IF(ISBLANK('5.CDI Parameters'!$D32),\"\",'5.CDI Parameters'!$D32)","v":""},null,"ResRatio_Loss07",{"$f":"IF(ISBLANK('5.CDI Parameters'!$E32),\"\",'5.CDI Parameters'!$E32)","v":""}]
["ResRatio_UPR08",{"$f":"IF(ISBLANK('5.CDI Parameters'!$D33),\"\",'5.CDI Parameters'!$D33)","v":""},null,"ResRatio_Loss08",{"$f":"IF(ISBLANK('5.CDI Parameters'!$E33),\"\",'5.CDI Parameters'!$E33)","v":""}]
["ResRatio_UPR09",{"$f":"IF(ISBLANK('5.CDI Parameters'!$D34),\"\",'5.CDI Parameters'!$D34)","v":""},null,"ResRatio_Loss09",{"$f":"IF(ISBLANK('5.CDI Parameters'!$E34),\"\",'5.CDI Parameters'!$E34)","v":""}]
["ResRatio_UPR10",{"$f":"IF(ISBLANK('5.CDI Parameters'!$D35),\"\",'5.CDI Parameters'!$D35)","v":""},null,"ResRatio_Loss10",{"$f":"IF(ISBLANK('5.CDI Parameters'!$E35),\"\",'5.CDI Parameters'!$E35)","v":""}]
[]
["Final Leverage Factor, adjusted for Variance 3, if applicable:",null,null,"Prior Effective Dates, by coverage (usually for HO forms, which can be filed separately):"]
["LevFact_Final01",{"$f":"IF(ISBLANK('5.CDI Parameters'!$H26),\"\",'5.CDI Parameters'!$H26)","v":""},null,"EffDate_Prior01",{"$f":"IF(ISBLANK('1.General'!$E$34),\"\",'1.General'!$E$34)","v":""}]
["LevFact_Final02",{"$f":"IF(ISBLANK('5.CDI Parameters'!$H27),\"\",'5.CDI Parameters'!$H27)","v":""},null,"EffDate_Prior02",{"$f":"IF(ISBLANK('1.General'!$E$35),\"\",'1.General'!$E$35)","v":""}]
["LevFact_Final03",{"$f":"IF(ISBLANK('5.CDI Parameters'!$H28),\"\",'5.CDI Parameters'!$H28)","v":""},null,"EffDate_Prior03",{"$f":"IF(ISBLANK('1.General'!$E$36),\"\",'1.General'!$E$36)","v":""}]
["LevFact_Final04",{"$f":"IF(ISBLANK('5.CDI Parameters'!$H29),\"\",'5.CDI Parameters'!$H29)","v":""},null,"EffDate_Prior04",{"$f":"IF(ISBLANK('1.General'!$E$37),\"\",'1.General'!$E$37)","v":""}]
["LevFact_Final05",{"$f":"IF(ISBLANK('5.CDI Parameters'!$H30),\"\",'5.CDI Parameters'!$H30)","v":""},null,"EffDate_Prior05",{"$f":"IF(ISBLANK('1.General'!$E$38),\"\",'1.General'!$E$38)","v":""}]
["LevFact_Final06",{"$f":"IF(ISBLANK('5.CDI Parameters'!$H31),\"\",'5.CDI Parameters'!$H31)","v":""},null,"EffDate_Prior06",{"$f":"IF(ISBLANK('1.General'!$E$39),\"\",'1.General'!$E$39)","v":""}]
["LevFact_Final07",{"$f":"IF(ISBLANK('5.CDI Parameters'!$H32),\"\",'5.CDI Parameters'!$H32)","v":""},null,"EffDate_Prior07",{"$f":"IF(ISBLANK('1.General'!$E$40),\"\",'1.General'!$E$40)","v":""}]
["LevFact_Final08",{"$f":"IF(ISBLANK('5.CDI Parameters'!$H33),\"\",'5.CDI Parameters'!$H33)","v":""},null,"EffDate_Prior08",{"$f":"IF(ISBLANK('1.General'!$E$41),\"\",'1.General'!$E$41)","v":""}]
["LevFact_Final09",{"$f":"IF(ISBLANK('5.CDI Parameters'!$H34),\"\",'5.CDI Parameters'!$H34)","v":""},null,"EffDate_Prior09",{"$f":"IF(ISBLANK('1.General'!$E$42),\"\",'1.General'!$E$42)","v":""}]
["LevFact_Final10",{"$f":"IF(ISBLANK('5.CDI Parameters'!$H35),\"\",'5.CDI Parameters'!$H35)","v":""},null,"EffDate_Prior10",{"$f":"IF(ISBLANK('1.General'!$E$43),\"\",'1.General'!$E$43)","v":""}]
[]
["FIT_UW",{"$f":"'Federal Income Tax Rate'!B9","v":0.21}]
["PremTaxRate",{"$f":"'5.CDI Parameters'!$J$28","v":2.35E-2}]
["ROR_RiskFree",{"$f":"'5.CDI Parameters'!$J$31","v":4.3800000000000006E-2},null,"Data as of: ",{"$f":"'3.2YieldFIT'!$G$48","v":"April 2025"}]
["ROR_Min",-0.06]
["ROR_Max",{"$f":"ROR_RiskFree+0.06","v":0.1038}]
["ExpFact_Var",{"$f":"'5.CDI Parameters'!$C$40","v":{"$error":"#N/A"}}]
["CommBrkRate_Wtd",{"$f":"'5.CDI Parameters'!$B$43","v":{"$error":"#N/A"}}]
[]
["NCOR",{"$f":"'1.General'!$I$51=1","v":false}]

{"sheet":"References","index":1,"n_rows":48,"n_cols":22,"rows_kept":48,"cut":false,"hidden":true,"merged":[]}
["For Department Use Only"]
[null,"Y/N Indicator",null,"Line Type",null,"General Line (Page 1)",null,"Detailed Line Description/AS Line Number (Page 1)",null,null,"Data Aggregation Method (Page 1)",null,"Variance #","Variance Request (Page 1)",null,"LCM Approved Load (LCM Templates)",null,null,"Sheets to Print (Page 1)"]
[null,"Y/N/na Indicator",null,"(Page 1)"]
[null,"(Multiple Pages)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Month/Year Yield Selection","Dropbox (Page 3.2)"]
["Combo Box controls listed to the right on this row, if applicable, with the exception of those for Detailed Line Description, which are below the corresponding list. =>",null,null,3,null,1,null,null,null,null,1,null,null,null,null,3,null,null,9,null,"RSB Worksheet","User Selection List"]
[null,"Y",null,"Commercial",null,null,null,null,null,null,"Accident Year Data",null,"1A","CCR §2644.27(f)(1)(A): Relief from the efficiency standard for bona fide loss-prevention and loss reduction activities (Allocated cost for SIU.)",null,null,null,null,"1. General",null,{"$f":"TEXT(V6,\"mmm\")&YEAR(V6)","v":"Apr2025"},{"$f":"'3.2YieldFIT'!G48","v":"April 2025"}]
[null,"N",null,"Personal",null,"Aircraft",null,"Aircraft",22,null,"Report Year Data (Claims-Made policies only)",null,"1B","CCR §2644.27(f)(1)(B): Relief from the efficiency standard for bona fide loss-prevention and loss reduction activities (Expense for loss prevention programs.)",null,"AOE/(Loss+DCCE)",null,null,"2. Summary",null,{"$f":"TEXT(V7,\"mmm\")&YEAR(V7)","v":"Apr2025"},{"$f":"[1]Latest!$A$1","v":"April 2025"}]
[null,"n/a",null,null,null,"Allied Lines",null,"Allied Lines",2.1,null,"Policy Year Data (Multi-Year policies only)",null,"2A","CCR §2644.27(f)(2)(A): Relief from the efficiency standard due to higher quality of service, as demonstrated by objective measures of consumer satisfaction.",null,"(DCCE+AOE)/Loss",null,null,"3. Yield/FIT",null,{"$f":"TEXT(EOMONTH(U7,-1),\"mmm\")&YEAR(EOMONTH(U7,-1))","v":"Mar2025"},{"$f":"TEXT(U8,\"mmmm \")&YEAR(U8)","v":"March 2025"}]
[null,null,null,null,null,"Allied Lines & Other Liability",null,"Boiler & Machinery",27,null,null,null,"2B","CCR §2644.27(f)(2)(B): Relief from the efficiency standard due to demonstrated superior service to underserved communities (refer to CCR §2646.6).",null,"(Loss+DCCE+AOE)/Loss",null,null,"4. Excluded Expense",null,"Feb2025","February 2025"]
[null,null,null,null,null,"Auto Liability and Physical Damage",null,"Burglary & Theft",26,null,null,null,"2C","CCR §2644.27(f)(2)(C): Relief from the efficiency standard due to significantly smaller or larger than average California policy premium, including any applicable fees.",null,"Combo Box Controls for LCM Approved Load",null,null,"5. CDI Parameters",null,"Jan2025","January 2025"]
[null,null,null,null,null,"Boiler & Machinery",null,"Commercial Auto Liability",19.399999999999999,null,null,null,"3","CCR §2644.27(f)(3): Adjustment to leverage factor determined pursuant to CCR §2644.17 on the basis that the insurer either writes at least 90% of its direct earned premium in one line or writes at least 90% of its direct earned premium in California, and its mix of business presents investment risks different from the risks that are typical of the line as a whole.",null,"Detailed_LineDesc01",1,null,"6. Ratemaking Data",null,"Dec2024","December 2024"]
[null,null,null,null,null,"Burglary & Theft",null,"Commercial Auto Physical Damage",21.2,null,null,null,"4","CCR §2644.27(f)(4): Relief from operation of the efficiency standard for a line of insurance in which the insurer has never written over $1 million in earned premium annually and the insurer is making a substantial investment in order to enter the market.",null,"Detailed_LineDesc02",2,null,"7. Rate Change Calculation",null,"Nov2024","November 2024"]
[null,null,null,null,null,"Earthquake",null,"Commercial Multiple Peril (Combined)",5,null,null,null,"5","CCR §2644.27(f)(5): The minimum permitted earned premium should be lower on the basis of the insurer's certification that the rate will not cause the insurer's financial condition to present an undue risk to its solvency.",null,"Detailed_LineDesc03",1,null,"8. LCM Calculation",null,"Oct2024","October 2024"]
[null,null,null,null,null,"Farmowners",null,"Commercial Multiple Peril (Liability)",5.2,null,null,null,"6","CCR §2644.27(f)(6): The insurer's financial condition is such that its maximum permitted earned premium should be increased in order to protect solvency.",null,"Detailed_LineDesc04",1,null,"All Sheets",null,"Sep2024","September 2024"]
[null,null,null,null,null,"Fidelity",null,"Commercial Multiple Peril (Non-Liability)",5.0999999999999996,null,null,null,"7A","CCR §2644.27(f)(7)(A): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there is not enough data to be credible.",null,"Detailed_LineDesc05",1,null,null,null,"Aug2024","August 2024"]
[null,null,null,null,null,"Fire",null,"Earthquake",12,null,null,null,"7B","CCR §2644.27(f)(7)(B): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there are not enough years of data to fully calculate the development to ultimate.",null,"Detailed_LineDesc06",1,null,null,null,"Jul2024","July 2024"]
[null,null,null,null,null,"Fire & Allied Lines",null,"Earthquake w/consideration for the cost of reinsurance","12.0R",null,null,null,"7C","CCR §2644.27(f)(7)(C): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there are changes in the insurer's reserving or claims closing practices that significantly affect the data.",null,"Detailed_LineDesc07",1,null,null,null,"Jun2024","June 2024"]
[null,null,null,null,null,"Fire, Allied Lines & Other Liability",null,"Farmowners Multiple Peril",3,null,null,null,"7D","CCR §2644.27(f)(7)(D): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there are changes in coverage or other policy terms that significantly affect the data.",null,"Detailed_LineDesc08",1,null,null,null,"May2024","May 2024"]
[null,null,null,null,null,"Fire & Other Liability",null,"Fidelity",23,null,null,null,"7E","CCR §2644.27(f)(7)(E): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there are changes in the law that significantly affect the data.",null,"Detailed_LineDesc09",1,null,null,null,"Apr2024","April 2024"]
[null,null,null,null,null,"Flood",null,"Fire",1,null,null,null,"7F","CCR §2644.27(f)(7)(F): The loss development formula in CCR §2644.6 does not produce an actuarially sound result because there is a significant increase or decrease in the amount of business written or significant changes in the mix of business.",null,"Detailed_LineDesc10",1,null,null,null,"Mar2024","March 2024"]
[null,null,null,null,null,"Homeowners Multiple Peril",null,"Homeowners Multiple Peril",4,null,null,null,"8A","CCR §2644.27(f)(8)(A): The trend formula in CCR §2644.7 does not produce the most an actuarially sound result because there is a significant increase/decrease in the amount of business written or changes in the mix of business.",null,null,null,null,null,null,"Feb2024","February 2024"]
[null,null,null,null,null,"Inland Marine",null,"Inland Marine",9,null,null,null,"8B","CCR §2644.27(f)(8)(B): The trend formula in CCR §2644.7 does not produce the most an actuarially sound result because there are not enough years of data to calculate the trend factor.",null,null,null,null,null,null,"Jan2024","January 2024"]
[null,null,null,null,null,"Medical Malpractice",null,"Medical Malpractice",11,null,null,null,"8C","CCR §2644.27(f)(8)(C): The trend formula in CCR §2644.7 does not produce the most an actuarially sound result because there is a significant change in the law affecting frequency or severity of claims.",null,null,null,null,null,null,"Dec2023","December 2023"]
[null,null,null,null,null,"Multiple Peril",null,"Medical Malpractice (Claims-Made)",11.2,null,null,null,"8D","CCR §2644.27(f)(8)(D): The trend formula in CCR §2644.7 does not produce the most an actuarially sound result because it can be shown that a trend calculated over a period of at least 4 quarters other than a period permitted pursuant to CCR §2644.7(b) is more reliable prospectively.",null,null,null,null,null,null,"Nov2023","November 2023"]
[null,null,null,null,null,"Other Liability",null,"Medical Malpractice (Occurrence)",11.1,null,null,null,"8E","CCR §2644.27(f)(8)(E): The trend formula in CCR §2644.7 does not produce the most an actuarially sound result because there are changes in the insurer's claims closing practices that significantly affect the data.",null,null,null,null,null,null,"Oct2023","October 2023"]
[null,null,null,null,null,"Products Liability",null,"Medical Malpractice - incl. reinsurance costs","11.0R",null,null,null,"8F","CCR §2644.27(f)(8)(F): The trend formula in CCR §2644.7 does not produce the most an actuarially sound result because there are changes in coverage or other policy terms that significantly affect the data.",null,null,null,null,null,null,"Sep2023","September 2023"]
[null,null,null,null,null,"Products Liability & Other Liability",null,"Medical Malpractice (Claims-Made) - incl. reinsurance costs","11.2R",null,null,null,"9","CCR §2644.27(f)(9): The maximum permitted earned premium would be confiscatory if applied.",null,null,null,null,null,null,"Aug2023","August 2023"]
[null,null,null,null,null,"Surety",null,"Medical Malpractice (Occurrence) - incl. reinsurance costs","11.1R",null,null,null,10,"CCR §2644.27(f)(10): Relief from using in-force business as specified in CCR §2644.4.5(e) because the insurer's in-force exposures do not reflect the insurer's prospective exposure to risk, and the modeled catastrophe adjustment in CCR §2644.5 does not produce an actuarially sound result.",null,null,null,null,null,null,"Jul2023","July 2023"]
[null,null,null,null,null,null,null,"Other Liability",17,null,null,null,11,"CCR §2644.27(f)(11): The Standard NCOR, as defined in section 2644.25.2(j), does not accurately reflect the company’s actual reinsurance costs, and does not produce an actuarially sound result.",null,null,null,null,null,null,"Jun2023","June 2023"]
[null,null,null,null,null,null,null,"Other Liability (Claims-Made)",17.2,null,null,null,"n/a",{"$f":"\"\"","v":""},null,null,null,null,null,null,"May2023","May 2023"]
[null,null,null,null,null,null,null,"Other Liability (Occurrence)",17.100000000000001,null,null,null,"Combined",{"$f":"\"\"","v":""}]
[null,null,null,null,null,null,null,"Private Passenger Auto Liability",19.2]
[null,null,null,null,null,null,null,"Private Passenger Auto Physical Damage",21.1]
[null,null,null,null,null,null,null,"Products Liability",18]
[null,null,null,null,null,null,null,"Products Liability (Claims-Made)",18.2]
[null,null,null,null,null,null,null,"Products Liability (Occurrence)",18.100000000000001]
[null,null,null,null,null,null,null,"Surety",24]
[null,null,null,null,null,null,null,"Detailed Line Description for Selected General Line"]
[]
[null,null,null,null,null,null,null,null,{"$f":"IF(ISNA(OFFSET($I$6,MATCH($H40,$H$7:$H$37,0),0)),\"\",OFFSET($I$6,MATCH($H40,$H$7:$H$37,0),0))","v":""}]
[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,""]

{"sheet":"Instructions","index":2,"n_rows":16,"n_cols":4,"rows_kept":16,"cut":false,"hidden":false,"merged":[]}
["Instructions for Completing the Prior Approval Rate Template",null,"Instructions for Completing the Loss Cost Multiplier Calculation"]
["For Property & Liability Lines",null,"Within the Prior Approval Rate Template"]
[]
[null,"Note:  For information on populating the application in its entirety, including the Prior Approval Rate Application, Prior Approval Rate Template and Standard Exhibits Template, refer to the complete Prior Approval Rate Filing Instructions posted in PDF format on the CDI website, below:"]
[null,"http://www.insurance.ca.gov/0250-insurers/0800-rate-filings/"]
[]
["1)","A rate change calculation page (i.e., '7.iRate Change Calculation) is required for each coverage (e.g., BI, PD, MP, UM, COLL, COMP, etc.), form (e.g., HO-3, HO-4, HO-6, etc.) or program (e.g., Auto Dealers, Garagekeepers, Truckers/Motor Carriers, etc.) for which a rate change is being requested.  For each filing submitted, download a new Application and Rate Template - do not \"recycle\" a template from a previously approved filing.","1)","A separate LCM Calculation page is available for every coverage, form or program for which a Prior Approval Rate Template is submitted.  The LCM Calculation pages are hidden unless the appropriate box on the \"1.General\" page is selected."]
["2)","Areas of insurer input are generally identified with blue font text and/or light blue outlined boxes. ","2)","For the ith coverage, form or program, enter data into unshaded boxes of the '8.iLCM Calculation' page only. Areas of insurer input are generally identified with blue font text and/or light blue outlined boxes. "]
["3)","In addition to identifying the coverages, forms or programs included in this Prior Approval Rate Template, enter the insurer information common to all coverages in the \"1.General\" page, including Company Name; Line Type (Personal or Commercial); General Line; Marketing System Distribution (percentage of each system used, totaling 100%); Prior Effective Date (of current rates); Proposed Effective Date (of proposed new rates); Most Recent Year of Experience Data; Request for Variance, if applicable; and Standard NCOR, if applicable.  Also indicate if this application reflects a new program.","3)","For new program filings, enter the following data: the CDI file number associated with the approved advisory organization filing supporting the loss costs to be adopted; the AOE or LAE load as filed by the advisory organization; and the basis of that AOE or LAE load. \n"]
["4)","Enter data from the insurer's Combined Annual Statement  into unshaded boxes in pages 3 and 4 to generate Yield, Federal Income Tax on Investment Income and Excluded Expense Ratio for the insurer group.  Asset yield percentages are linked to an internal California Department of Insurance file.  To ensure the latest yield/ROR information is used, go to Data menu in the Excel ribbon, click \"Edit Links\" and then click \"Open Source.\"","4)","For existing program filings, enter the following data: the CDI file number associated with the advisory organization filing supporting the company’s currently used loss costs; the current company LCM; the CDI file number(s) associated with all changes to advisory organization loss costs since the filing underlying the company’s currently used loss costs, separated by commas; and the cumulative percent change in loss costs identified by those CDI file number(s), both as originally filed and as adjusted for the company's distribution."]
["5)","For the ith coverage, form or program, enter data into unshaded boxes of the '6.iRatemaking Data' page only.  Enter numerical data only.  For inapplicable fields, enter 0 for dollar ($) or percentage (%) fields and 1.00 for factors.  For coverages, forms or programs requiring more than three years of data, click the \"Expand to show six years\" button.","5)","Refer to the complete Prior Approval Rate Filing Instructions for additional information."]
["6)","On each '6.iRatemaking Data' page, rows for data associated with variance requests  related to the efficiency standard are hidden unless that request is indicated on the '1.General' page.  Enter variance data, if supported by a Variance Request.  Final decisions regarding variances will be made by the CDI and/or administrative hearing."]
["7)","On each '6.iRatemaking Data' page, rows for reinsurance data associated with lines of business for which recognition of reinsurance is allowable (Earthquake and certain Medical Malpractice, Qualified Residential and Commercial Property Lines) are hidden unless those lines are selected on the '1.General' page. If applicable, enter all requested reinsurance information. Lines of business with reinsurance must be submitted in a separate Rate Template to lines of business without reinsurance. "]
["8)","For results regarding the ith coverage, form or program, refer to the '7.iRate Change Calculation' page.  Hyperlinks are available at the bottom of the '6.iRatemaking Data' page and the corresponding '7.iRate Change Calculation' page for each coverage, form or program for convenient navigation between those pages."]
["9)","If filing Advisory Organization Loss Costs with a Loss Cost Multiplier, refer to specific Instructions for Completing the LCM Template, to the right."]
["10)","Refer to the complete Prior Approval Rate Filing Instructions for additional information.",null,{"$f":"Edition_Date","v":"6/02/2025 Edition"}]

{"sheet":"1.General","index":3,"n_rows":55,"n_cols":10,"rows_kept":55,"cut":false,"hidden":false,"merged":[[30,2,30,4],[12,2,12,5],[51,9,52,9]]}
["State of California",null,null,null,"Company:",null,{"$f":"Co_Name","v":""},null,null,"Error Messages, if Any, Associated with General Information Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,{"$f":"General_Line","v":0},null,null,"(DEPARTMENT USE ONLY)"]
[]
["PRIOR APPROVAL RATE TEMPLATE FOR PROPERTY & LIABILITY LINES"]
["GENERAL INFORMATION"]
[]
[]
["Completed by:",null,null,null,"Completed Date:",null,null,null,null,{"$f":"IF(ISBLANK(F8),\"← Warning! Enter the last modified date of this Excel file.\",\nIF(ISERROR(VALUE(F8)),\"← Warning! Date is not being read as a date value; re-enter date information according to your system date format.\",\"\"))","v":"← Warning! Enter the last modified date of this Excel file."}]
[]
["CDI File # (Department Use Only):",null,null,null,"Initial SERFF Filing Date:",null,null,null,null,{"$f":"IF(ISBLANK(F10),\"← ERROR! Enter the original SERFF submission date of this filing.\",\nIF(ISERROR(VALUE(F10)),\"← ERROR! Date is not being read as a date value; re-enter date information according to your system date format.\",\"\"))","v":"← ERROR! Enter the original SERFF submission date of this filing."}]
[]
[]
["Company Name:"]
[]
["Marketing System Distribution:",null,null,"%Captive","%Direct","%Independent"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(SUM($D$16:$F$16)<>1,\"← ERROR! Sum of all marketing systems must add to 100%.\",\"\")","v":"← ERROR! Sum of all marketing systems must add to 100%."}]
[]
["Line Type:",null,null,null,null,null,null,null,null,{"$f":"IF(INDEX(List_LineType,References!$D$5,1)=\"\",\"← ERROR! Select a Line Type from the pull-down menu.\",\"\")","v":"← ERROR! Select a Line Type from the pull-down menu."}]
[]
["General Line :",null,null,null,null,null,null,null,null,{"$f":"IF(INDEX(List_GeneralLine,References!$F$5,1)=\"\",\"← ERROR! Select a General Line from the pull-down menu.\",\"\")","v":"← ERROR! Select a General Line from the pull-down menu."}]
[]
[]
["Proposed Effective Date (new rates):",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($D$23),\"← ERROR! Enter a proposed effective date.\",IF($D$23<=$D$22,\"← ERROR! Proposed effective date must be after prior effective date.\",\"\"))","v":"← ERROR! Enter a proposed effective date."}]
[]
["New Program:",null,"LCM Calculation(s) Included:",null,{"$f":"IF(Settings!$E$24=FALSE,\"(LCM Calculation(s) is(are) hidden unless this box is checked.)\",\"\")","v":"(LCM Calculation(s) is(are) hidden unless this box is checked.)"}]
[]
["New Insurer Group with less than 3 years of Premium:"]
[]
["Most Recent Year of Experience Data Ending:",null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(New_Program=TRUE,\"\",\n\nIF(MstRcntDataYr=\"\",\"← ERROR! Enter the most recent fiscal period in YYYYQ format.\",\n\nIF(OR(AND(RIGHT(MstRcntDataYr,1)<>\"1\",RIGHT(MstRcntDataYr,1)<>\"2\",RIGHT(MstRcntDataYr,1)<>\"3\",RIGHT(MstRcntDataYr,1)<>\"4\"),LEFT(MstRcntDataYr,4)*1<YEAR(TODAY())-10,LEFT(MstRcntDataYr,4)*1>YEAR(TODAY())+1,LEN(C29)<>5),\"← ERROR! Enter the most recent fiscal period in YYYYQ format.\",\n\nIF(NOT(ISBLANK(F10)),\n\nIF(MstRcntDataYr<VALUE(YEAR(EDATE(F10,-8))&ROUNDUP(MONTH(EDATE(F10,-8))/3,0)),\"← ERROR! The most recent fiscal period must be \"&VALUE(YEAR(EDATE(F10,-8))&ROUNDUP(MONTH(EDATE(F10,-8))/3,0))&\" or later.\",\"\"),\"\")))),\"← ERROR! Enter the most recent fiscal period in YYYYQ format.\")","v":"← ERROR! Enter the most recent fiscal period in YYYYQ format."}]
["(Enter in YYYYQ format.)"]
[null,null,"Enter name of each coverage/form/program for which a rate change is being requested in the cells below.  Otherwise, leave blank."]
["Detailed Line Description(s)",null,"Coverage/Form/Program","Proposed % Impact","Prior Effective Date (current rates)"]
[]
[1,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,IF(OR(AND($A34=1,ISBLANK($C34),ISBLANK($D34)),AND($A34<>1,$C34<>\"\",$D34<>\"\")),\"\",\"← ERROR! Select a Detailed Line Description and enter a Coverage/Form/Program and Proposed % Impact of 0%.\"&\"  Alternatively, de-select the Detailed Line Description and delete all associated cell entries.\"),IF(OR(AND($A34=1,ISBLANK($C34),ISBLANK($D34),ISBLANK($E34)),AND($A34<>1,$C34<>\"\",$D34<>\"\",$E34<>\"\")),\"\",\"← ERROR! Select a Detailed Line Description and enter a Coverage/Form/Program, Proposed % Impact and Prior Effective Date.\"&\"  Alternatively, de-select the Detailed Line Description and delete all associated cell entries.\"))","v":""}]
[1,null,null,null,null,null,null,null,null,""]
[1,null,null,null,null,null,null,null,null,""]
[1,null,null,null,null,null,null,null,null,""]
[1,null,null,null,null,null,null,null,null,""]
[1,null,null,null,null,null,null,null,null,""]
[1,null,null,null,null,null,null,null,null,""]
[1,null,null,null,null,null,null,null,null,""]
[1,null,null,null,null,null,null,null,null,""]
[1,null,null,null,null,null,null,null,null,""]
[]
[]
["Variance Request:"]
["Does the Ratemaking Data include a Request(s) for Variance?",null,null,"Variance #:","",null,null,null,2,{"$f":"IF(AND($I$47=1,LEN('1.General'!$E$47)=0),\"← ERROR! Enter an applicable Variance #(s), or enter 'N' in pull-down menu if no variance is requested.\",IF(AND($I$47=2,LEN('1.General'!$E$47)>0),\"← ERROR! Enter 'Y' in pull-down menu if a variance(s) is(are) being requested, or delete entry for Variance #.\",\"\"))","v":""}]
["If yes, is Variance #3 requested for any coverage?",null,null,null,null,null,null,null,2,{"$f":"IF(AND($I$48=2,FIND({3},'1.General'!E47&\"3\")<=LEN('1.General'!E47)),\"← ERROR! Change entry for Variance #3 to 'Y' if it is being requested in 'Variance #' text box.\",IF(AND($I$48=1,FIND({3},'1.General'!E47&\"3\")>LEN('1.General'!E47)),\"← ERROR! Change entry for Variance #3 to 'N' if it is not being requested in 'Variance #' text box.\",\"\"))","v":""}]
[]
["Standard NCOR:"]
["Does the Ratemaking Data include the Standard NCOR?",null,null,null,null,null,null,null,2,{"$f":"IF(NCOR=FALSE,\"\",IF(\nAND(NCOR=TRUE,OR(General_Line=\"Allied Lines\",General_Line=\"Farmowners\",General_Line=\"Fire\",General_Line=\"Fire & Allied Lines\", General_Line=\"Flood\",General_Line=\"Homeowners Multiple Peril\",AND(General_Line=\"Multiple Peril\",NOT(OR(A34=2,A35=2,A36=2,A37=2,A38=2,A39=2,A40=2,A41=2,A42=2,A43=2,A34=3,A35=3,A36=3,A37=3,A38=3,A39=3,A40=3,A41=3,A42=3,A43=3))))),\"\",\"← ERROR! The Standard NCOR is not available for one or more Detailed Line Description(s).\"))","v":""}]
["NCOR is only available for the following Property Lines: ASL 1 (Fire), 2 (Allied), 2.5 (Flood), (Fire & Allied), 3 (Homeowners), 4 (Farmowners), and 5.1 (CMP Non-Liability), ",null,null,null,null,null,null,null,null,{"$f":"IF(AND(NCOR=TRUE,General_Line=\"Flood\"),I53,\"\")","v":""}]
["subject to compliance with insurer commitments per CCR §2644.25.1(c).",null,null,null,null,null,null,null,"The Standard NCOR calculation within the Standard SIS Exhibits Template is temporarily unable to accommodate Flood. Until this issue can be resolved, insurers wishing to submit a Flood rate filing including the Standard NCOR are advised to reach out to their assigned Department personnel for guidance."]
[]
["Select Sheets to Print"]

{"sheet":"2.Summary","index":4,"n_rows":48,"n_cols":9,"rows_kept":48,"cut":false,"hidden":false,"merged":[[22,0,23,0],[22,6,23,6],[22,5,23,5]]}
["State of California",null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Summary Page to the Left"]
["Department of Insurance (CDI)",null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["PRIOR APPROVAL RATE TEMPLATE FOR PROPERTY & LIABILITY LINES"]
["SUMMARY"]
[]
["Coverage/Form/Program",{"$f":"IF(New_Program=TRUE,\"Projected \",\"Latest Year Adjusted \")&\"Annual Premium ($)\"","v":"Latest Year Adjusted Annual Premium ($)"},"Minimum Permitted Earned Premium ($)","Maximum Permitted Earned Premium ($)","Change at Minimum %","Change at Maximum %","Proposed %","Proposed Earned Premium ($)"]
[{"$f":"IF(Covg01=\"\",\"\",Covg01)","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(New_Program=TRUE,'7.1Rate Change Calculation'!$H$48,'7.1Rate Change Calculation'!$G$48))","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",(1+E9)*$B9))","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(ISERROR((1+F9)*$B9),F9,(1+F9)*$B9))","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),\"NA\",'7.1Rate Change Calculation'!CHANGE_AT_MIN))","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(NCOR=TRUE, '7.1Rate Change Calculation'!NCOR_CHANGE_AT_MAX,IF(Rein_Indicator=TRUE,'7.1Rate Change Calculation'!Rein_CHANGE_AT_MAX,'7.1Rate Change Calculation'!CHANGE_AT_MAX)))","v":""},{"$f":"IF('1.General'!$C$34:$C$43=\"\",\"\",'1.General'!$D$34:$D$43)","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(New_Program=TRUE,$B9,(1+$G9)*$B9))","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),IF(ROUND($G9,3)<=ROUND($F9,3),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\"),IF(AND(ROUND($G9,3)>=ROUND($E9,3),ROUND($G9,3)<=ROUND($F9,3)),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\")))","v":""}]
[{"$f":"IF(Covg02=\"\",\"\",Covg02)","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(New_Program=TRUE,'7.2Rate Change Calculation'!$H$48,'7.2Rate Change Calculation'!$G$48))","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",(1+E10)*$B10))","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(ISERROR((1+F10)*$B10),F10,(1+F10)*$B10))","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),\"NA\",'7.2Rate Change Calculation'!CHANGE_AT_MIN))","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(NCOR=TRUE, '7.2Rate Change Calculation'!NCOR_CHANGE_AT_MAX,IF(Rein_Indicator=TRUE,'7.2Rate Change Calculation'!Rein_CHANGE_AT_MAX,'7.2Rate Change Calculation'!CHANGE_AT_MAX)))","v":""},"",{"$f":"IF(Covg02=\"\",\"\",IF(New_Program=TRUE,$B10,(1+$G10)*$B10))","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),IF(ROUND($G10,3)<=ROUND($F10,3),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\"),IF(AND(ROUND($G10,3)>=ROUND($E10,3),ROUND($G10,3)<=ROUND($F10,3)),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\")))","v":""}]
[{"$f":"IF(Covg03=\"\",\"\",Covg03)","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(New_Program=TRUE,'7.3Rate Change Calculation'!$H$48,'7.3Rate Change Calculation'!$G$48))","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",(1+E11)*$B11))","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(ISERROR((1+F11)*$B11),F11,(1+F11)*$B11))","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),\"NA\",'7.3Rate Change Calculation'!CHANGE_AT_MIN))","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(NCOR=TRUE, '7.3Rate Change Calculation'!NCOR_CHANGE_AT_MAX,IF(Rein_Indicator=TRUE,'7.3Rate Change Calculation'!Rein_CHANGE_AT_MAX,'7.3Rate Change Calculation'!CHANGE_AT_MAX)))","v":""},"",{"$f":"IF(Covg03=\"\",\"\",IF(New_Program=TRUE,$B11,(1+$G11)*$B11))","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),IF(ROUND($G11,3)<=ROUND($F11,3),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\"),IF(AND(ROUND($G11,3)>=ROUND($E11,3),ROUND($G11,3)<=ROUND($F11,3)),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\")))","v":""}]
[{"$f":"IF(Covg04=\"\",\"\",Covg04)","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(New_Program=TRUE,'7.4Rate Change Calculation'!$H$48,'7.4Rate Change Calculation'!$G$48))","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",(1+E12)*$B12))","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(ISERROR((1+F12)*$B12),F12,(1+F12)*$B12))","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),\"NA\",'7.4Rate Change Calculation'!CHANGE_AT_MIN))","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(NCOR=TRUE, '7.4Rate Change Calculation'!NCOR_CHANGE_AT_MAX,IF(Rein_Indicator=TRUE,'7.4Rate Change Calculation'!Rein_CHANGE_AT_MAX,'7.4Rate Change Calculation'!CHANGE_AT_MAX)))","v":""},"",{"$f":"IF(Covg04=\"\",\"\",IF(New_Program=TRUE,$B12,(1+$G12)*$B12))","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),IF(ROUND($G12,3)<=ROUND($F12,3),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\"),IF(AND(ROUND($G12,3)>=ROUND($E12,3),ROUND($G12,3)<=ROUND($F12,3)),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\")))","v":""}]
[{"$f":"IF(Covg05=\"\",\"\",Covg05)","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(New_Program=TRUE,'7.5Rate Change Calculation'!$H$48,'7.5Rate Change Calculation'!$G$48))","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",(1+E13)*$B13))","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(ISERROR((1+F13)*$B13),F13,(1+F13)*$B13))","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),\"NA\",'7.5Rate Change Calculation'!CHANGE_AT_MIN))","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(NCOR=TRUE, '7.5Rate Change Calculation'!NCOR_CHANGE_AT_MAX,IF(Rein_Indicator=TRUE,'7.5Rate Change Calculation'!Rein_CHANGE_AT_MAX,'7.5Rate Change Calculation'!CHANGE_AT_MAX)))","v":""},"",{"$f":"IF(Covg05=\"\",\"\",IF(New_Program=TRUE,$B13,(1+$G13)*$B13))","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),IF(ROUND($G13,3)<=ROUND($F13,3),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\"),IF(AND(ROUND($G13,3)>=ROUND($E13,3),ROUND($G13,3)<=ROUND($F13,3)),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\")))","v":""}]
[{"$f":"IF(Covg06=\"\",\"\",Covg06)","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(New_Program=TRUE,'7.6Rate Change Calculation'!$H$48,'7.6Rate Change Calculation'!$G$48))","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",(1+E14)*$B14))","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(ISERROR((1+F14)*$B14),F14,(1+F14)*$B14))","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),\"NA\",'7.6Rate Change Calculation'!CHANGE_AT_MIN))","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(NCOR=TRUE, '7.6Rate Change Calculation'!NCOR_CHANGE_AT_MAX,IF(Rein_Indicator=TRUE,'7.6Rate Change Calculation'!Rein_CHANGE_AT_MAX,'7.6Rate Change Calculation'!CHANGE_AT_MAX)))","v":""},"",{"$f":"IF(Covg06=\"\",\"\",IF(New_Program=TRUE,$B14,(1+$G14)*$B14))","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),IF(ROUND($G14,3)<=ROUND($F14,3),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\"),IF(AND(ROUND($G14,3)>=ROUND($E14,3),ROUND($G14,3)<=ROUND($F14,3)),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\")))","v":""}]
[{"$f":"IF(Covg07=\"\",\"\",Covg07)","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(New_Program=TRUE,'7.7Rate Change Calculation'!$H$48,'7.7Rate Change Calculation'!$G$48))","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",(1+E15)*$B15))","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(ISERROR((1+F15)*$B15),F15,(1+F15)*$B15))","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),\"NA\",'7.7Rate Change Calculation'!CHANGE_AT_MIN))","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(NCOR=TRUE, '7.7Rate Change Calculation'!NCOR_CHANGE_AT_MAX,IF(Rein_Indicator=TRUE,'7.7Rate Change Calculation'!Rein_CHANGE_AT_MAX,'7.7Rate Change Calculation'!CHANGE_AT_MAX)))","v":""},"",{"$f":"IF(Covg07=\"\",\"\",IF(New_Program=TRUE,$B15,(1+$G15)*$B15))","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),IF(ROUND($G15,3)<=ROUND($F15,3),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\"),IF(AND(ROUND($G15,3)>=ROUND($E15,3),ROUND($G15,3)<=ROUND($F15,3)),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\")))","v":""}]
[{"$f":"IF(Covg08=\"\",\"\",Covg08)","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(New_Program=TRUE,'7.8Rate Change Calculation'!$H$48,'7.8Rate Change Calculation'!$G$48))","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",(1+E16)*$B16))","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(ISERROR((1+F16)*$B16),F16,(1+F16)*$B16))","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),\"NA\",'7.8Rate Change Calculation'!CHANGE_AT_MIN))","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(NCOR=TRUE, '7.8Rate Change Calculation'!NCOR_CHANGE_AT_MAX,IF(Rein_Indicator=TRUE,'7.8Rate Change Calculation'!Rein_CHANGE_AT_MAX,'7.8Rate Change Calculation'!CHANGE_AT_MAX)))","v":""},"",{"$f":"IF(Covg08=\"\",\"\",IF(New_Program=TRUE,$B16,(1+$G16)*$B16))","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),IF(ROUND($G16,3)<=ROUND($F16,3),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\"),IF(AND(ROUND($G16,3)>=ROUND($E16,3),ROUND($G16,3)<=ROUND($F16,3)),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\")))","v":""}]
[{"$f":"IF(Covg09=\"\",\"\",Covg09)","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(New_Program=TRUE,'7.9Rate Change Calculation'!$H$48,'7.9Rate Change Calculation'!$G$48))","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",(1+E17)*$B17))","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(ISERROR((1+F17)*$B17),F17,(1+F17)*$B17))","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),\"NA\",'7.9Rate Change Calculation'!CHANGE_AT_MIN))","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(NCOR=TRUE, '7.9Rate Change Calculation'!NCOR_CHANGE_AT_MAX,IF(Rein_Indicator=TRUE,'7.9Rate Change Calculation'!Rein_CHANGE_AT_MAX,'7.9Rate Change Calculation'!CHANGE_AT_MAX)))","v":""},"",{"$f":"IF(Covg09=\"\",\"\",IF(New_Program=TRUE,$B17,(1+$G17)*$B17))","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),IF(ROUND($G17,3)<=ROUND($F17,3),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\"),IF(AND(ROUND($G17,3)>=ROUND($E17,3),ROUND($G17,3)<=ROUND($F17,3)),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\")))","v":""}]
[{"$f":"IF(Covg10=\"\",\"\",Covg10)","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(New_Program=TRUE,'7.10Rate Change Calculation'!$H$48,'7.10Rate Change Calculation'!$G$48))","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",(1+E18)*$B18))","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(ISERROR((1+F18)*$B18),F18,(1+F18)*$B18))","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),\"NA\",'7.10Rate Change Calculation'!CHANGE_AT_MIN))","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(NCOR=TRUE, '7.10Rate Change Calculation'!NCOR_CHANGE_AT_MAX,IF(Rein_Indicator=TRUE,'7.10Rate Change Calculation'!Rein_CHANGE_AT_MAX,'7.10Rate Change Calculation'!CHANGE_AT_MAX)))","v":""},"",{"$f":"IF(Covg10=\"\",\"\",IF(New_Program=TRUE,$B18,(1+$G18)*$B18))","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(OR(Rein_Indicator=TRUE,NCOR=TRUE),IF(ROUND($G18,3)<=ROUND($F18,3),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\"),IF(AND(ROUND($G18,3)>=ROUND($E18,3),ROUND($G18,3)<=ROUND($F18,3)),\"\",\"← WARNING! Proposed % is outside of range of permitted rate changes.\")))","v":""}]
["Combined",{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",SUM(B9:B18))","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",SUM(C9:C18))","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",SUM(D9:D18))","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",IF(Rein_Indicator=TRUE,\"NA\",SUMPRODUCT(E9:E18,$B$9:$B$18)/$B$19))","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",SUMPRODUCT(F9:F18,$B$9:$B$18)/$B$19)","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",SUMPRODUCT(G9:G18,$B$9:$B$18)/$B$19)","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",SUM(H9:H18))","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",\nIF(AND(ROUND($G19,3)<ROUND($E19,3),NOT(ISNUMBER(SEARCH(5,'1.General'!E47)))),\"← ERROR! Proposed % is less than the permitted minimum change. Variance 5 must be submitted.\",\nIF(ROUND($G19,3)>ROUND($F19,3),\"← ERROR! Proposed % is more than the permitted maximum change.\",\"\")))","v":""}]
[]
["Combined Total Earned Exposures for Latest Year:",null,null,null,null,null,null,null,{"$f":"IF(OR($C$21<=0,NOT(ISNUMBER($C$21)),ISBLANK($C$21)),IF(New_Program=TRUE,\"← ERROR! Enter the combined total projected earned exposures corresponding to the total projected premium.\",\"← ERROR! Enter the combined total earned exposures for the latest year.\"),\"\")","v":"← ERROR! Enter the combined total earned exposures for the latest year."}]
[]
["Coverage/Form/Program","Average Earned Premium $ per Exposure",null,null,null,{"$f":"IF(New_Program=TRUE,\"Projected \",\"Latest Year \")&\"Earned Exposures\"","v":"Latest Year Earned Exposures"}]
[null,{"$f":"IF(New_Program=TRUE,\"Projected \",\"Latest Year Adjusted \")","v":"Latest Year Adjusted "},"Minimum Permitted","Maximum Permitted","Proposed"]
[{"$f":"IF(Covg01=\"\",\"\",Covg01)","v":""},{"$f":"IF(Covg01=\"\",\"\",$B9/$F25)","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",'7.1Rate Change Calculation'!H66))","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(NCOR=TRUE,'7.1Rate Change Calculation'!NCORMax_Premium,IF(Rein_Indicator=TRUE,'7.1Rate Change Calculation'!ReinMax_Premium,'7.1Rate Change Calculation'!H67)))","v":""},{"$f":"IF(Covg01=\"\",\"\",$H9/$F25)","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(New_Program=TRUE,'7.1Rate Change Calculation'!$H$21,'7.1Rate Change Calculation'!$G$21))","v":""}]
[{"$f":"IF(Covg02=\"\",\"\",Covg02)","v":""},{"$f":"IF(Covg02=\"\",\"\",$B10/$F26)","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",'7.2Rate Change Calculation'!H66))","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(NCOR=TRUE,'7.2Rate Change Calculation'!NCORMax_Premium,IF(Rein_Indicator=TRUE,'7.2Rate Change Calculation'!ReinMax_Premium,'7.2Rate Change Calculation'!H67)))","v":""},{"$f":"IF(Covg02=\"\",\"\",$H10/$F26)","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(New_Program=TRUE,'7.2Rate Change Calculation'!$H$21,'7.2Rate Change Calculation'!$G$21))","v":""}]
[{"$f":"IF(Covg03=\"\",\"\",Covg03)","v":""},{"$f":"IF(Covg03=\"\",\"\",$B11/$F27)","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",'7.3Rate Change Calculation'!H66))","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(NCOR=TRUE,'7.3Rate Change Calculation'!NCORMax_Premium,IF(Rein_Indicator=TRUE,'7.3Rate Change Calculation'!ReinMax_Premium,'7.3Rate Change Calculation'!H67)))","v":""},{"$f":"IF(Covg03=\"\",\"\",$H11/$F27)","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(New_Program=TRUE,'7.3Rate Change Calculation'!$H$21,'7.3Rate Change Calculation'!$G$21))","v":""}]
[{"$f":"IF(Covg04=\"\",\"\",Covg04)","v":""},{"$f":"IF(Covg04=\"\",\"\",$B12/$F28)","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",'7.4Rate Change Calculation'!H66))","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(NCOR=TRUE,'7.4Rate Change Calculation'!NCORMax_Premium,IF(Rein_Indicator=TRUE,'7.4Rate Change Calculation'!ReinMax_Premium,'7.4Rate Change Calculation'!H67)))","v":""},{"$f":"IF(Covg04=\"\",\"\",$H12/$F28)","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(New_Program=TRUE,'7.4Rate Change Calculation'!$H$21,'7.4Rate Change Calculation'!$G$21))","v":""}]
[{"$f":"IF(Covg05=\"\",\"\",Covg05)","v":""},{"$f":"IF(Covg05=\"\",\"\",$B13/$F29)","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",'7.5Rate Change Calculation'!H66))","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(NCOR=TRUE,'7.5Rate Change Calculation'!NCORMax_Premium,IF(Rein_Indicator=TRUE,'7.5Rate Change Calculation'!ReinMax_Premium,'7.5Rate Change Calculation'!H67)))","v":""},{"$f":"IF(Covg05=\"\",\"\",$H13/$F29)","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(New_Program=TRUE,'7.5Rate Change Calculation'!$H$21,'7.5Rate Change Calculation'!$G$21))","v":""}]
[{"$f":"IF(Covg06=\"\",\"\",Covg06)","v":""},{"$f":"IF(Covg06=\"\",\"\",$B14/$F30)","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",'7.6Rate Change Calculation'!H66))","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(NCOR=TRUE,'7.6Rate Change Calculation'!NCORMax_Premium,IF(Rein_Indicator=TRUE,'7.6Rate Change Calculation'!ReinMax_Premium,'7.6Rate Change Calculation'!H67)))","v":""},{"$f":"IF(Covg06=\"\",\"\",$H14/$F30)","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(New_Program=TRUE,'7.6Rate Change Calculation'!$H$21,'7.6Rate Change Calculation'!$G$21))","v":""}]
[{"$f":"IF(Covg07=\"\",\"\",Covg07)","v":""},{"$f":"IF(Covg07=\"\",\"\",$B15/$F31)","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",'7.7Rate Change Calculation'!H66))","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(NCOR=TRUE,'7.7Rate Change Calculation'!NCORMax_Premium,IF(Rein_Indicator=TRUE,'7.7Rate Change Calculation'!ReinMax_Premium,'7.7Rate Change Calculation'!H67)))","v":""},{"$f":"IF(Covg07=\"\",\"\",$H15/$F31)","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(New_Program=TRUE,'7.7Rate Change Calculation'!$H$21,'7.7Rate Change Calculation'!$G$21))","v":""}]
[{"$f":"IF(Covg08=\"\",\"\",Covg08)","v":""},{"$f":"IF(Covg08=\"\",\"\",$B16/$F32)","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",'7.8Rate Change Calculation'!H66))","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(NCOR=TRUE,'7.8Rate Change Calculation'!NCORMax_Premium,IF(Rein_Indicator=TRUE,'7.8Rate Change Calculation'!ReinMax_Premium,'7.8Rate Change Calculation'!H67)))","v":""},{"$f":"IF(Covg08=\"\",\"\",$H16/$F32)","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(New_Program=TRUE,'7.8Rate Change Calculation'!$H$21,'7.8Rate Change Calculation'!$G$21))","v":""}]
[{"$f":"IF(Covg09=\"\",\"\",Covg09)","v":""},{"$f":"IF(Covg09=\"\",\"\",$B17/$F33)","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",'7.9Rate Change Calculation'!H66))","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(NCOR=TRUE,'7.9Rate Change Calculation'!NCORMax_Premium,IF(Rein_Indicator=TRUE,'7.9Rate Change Calculation'!ReinMax_Premium,'7.9Rate Change Calculation'!H67)))","v":""},{"$f":"IF(Covg09=\"\",\"\",$H17/$F33)","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(New_Program=TRUE,'7.9Rate Change Calculation'!$H$21,'7.9Rate Change Calculation'!$G$21))","v":""}]
[{"$f":"IF(Covg10=\"\",\"\",Covg10)","v":""},{"$f":"IF(Covg10=\"\",\"\",$B18/$F34)","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(OR(Rein_Indicator=TRUE, NCOR=TRUE),\"NA\",'7.10Rate Change Calculation'!H66))","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(NCOR=TRUE,'7.10Rate Change Calculation'!NCORMax_Premium,IF(Rein_Indicator=TRUE,'7.10Rate Change Calculation'!ReinMax_Premium,'7.10Rate Change Calculation'!H67)))","v":""},{"$f":"IF(Covg10=\"\",\"\",$H18/$F34)","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(New_Program=TRUE,'7.10Rate Change Calculation'!$H$21,'7.10Rate Change Calculation'!$G$21))","v":""}]
["Combined",{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",$B19/$F35)","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",$C19/$F35)","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",$D19/$F35)","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",$H19/$F35)","v":""},{"$f":"IF(ISBLANK($C$21),\"\",$C$21)","v":""}]
[]
["Coverage/Form/Program",{"$f":"IF(New_Program=TRUE,\"Projected \",\"Latest Year Adjusted \")&\"Annual Premium ($)\"","v":"Latest Year Adjusted Annual Premium ($)"},{"$f":"IF(New_Program=TRUE,\"Projected Annual \",\"Latest Year Projected \")&\"Ultimate Loss & DCCE ($)\"","v":"Latest Year Projected Ultimate Loss & DCCE ($)"},{"$f":"IF(New_Program=TRUE,\"Projected Annual \",\"Latest Year Projected \")&\"Ultimate Loss & DCCE Ratio\"","v":"Latest Year Projected Ultimate Loss & DCCE Ratio"}]
[{"$f":"IF(Covg01=\"\",\"\",Covg01)","v":""},{"$f":"$B9","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(New_Program=TRUE,'7.1Rate Change Calculation'!$H$49+'7.1Rate Change Calculation'!$H$50,'7.1Rate Change Calculation'!$G$49+'7.1Rate Change Calculation'!$G$50))","v":""},{"$f":"IF(Covg01=\"\",\"\",C38/B38)","v":""}]
[{"$f":"IF(Covg02=\"\",\"\",Covg02)","v":""},{"$f":"$B10","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(New_Program=TRUE,'7.2Rate Change Calculation'!$H$49+'7.2Rate Change Calculation'!$H$50,'7.2Rate Change Calculation'!$G$49+'7.2Rate Change Calculation'!$G$50))","v":""},{"$f":"IF(Covg02=\"\",\"\",C39/B39)","v":""}]
[{"$f":"IF(Covg03=\"\",\"\",Covg03)","v":""},"",{"$f":"IF(Covg03=\"\",\"\",IF(New_Program=TRUE,'7.3Rate Change Calculation'!$H$49+'7.3Rate Change Calculation'!$H$50,'7.3Rate Change Calculation'!$G$49+'7.3Rate Change Calculation'!$G$50))","v":""},{"$f":"IF(Covg03=\"\",\"\",C40/B40)","v":""}]
[{"$f":"IF(Covg04=\"\",\"\",Covg04)","v":""},"",{"$f":"IF(Covg04=\"\",\"\",IF(New_Program=TRUE,'7.4Rate Change Calculation'!$H$49+'7.4Rate Change Calculation'!$H$50,'7.4Rate Change Calculation'!$G$49+'7.4Rate Change Calculation'!$G$50))","v":""},{"$f":"IF(Covg04=\"\",\"\",C41/B41)","v":""}]
[{"$f":"IF(Covg05=\"\",\"\",Covg05)","v":""},"",{"$f":"IF(Covg05=\"\",\"\",IF(New_Program=TRUE,'7.5Rate Change Calculation'!$H$49+'7.5Rate Change Calculation'!$H$50,'7.5Rate Change Calculation'!$G$49+'7.5Rate Change Calculation'!$G$50))","v":""},{"$f":"IF(Covg05=\"\",\"\",C42/B42)","v":""}]
[{"$f":"IF(Covg06=\"\",\"\",Covg06)","v":""},"",{"$f":"IF(Covg06=\"\",\"\",IF(New_Program=TRUE,'7.6Rate Change Calculation'!$H$49+'7.6Rate Change Calculation'!$H$50,'7.6Rate Change Calculation'!$G$49+'7.6Rate Change Calculation'!$G$50))","v":""},{"$f":"IF(Covg06=\"\",\"\",C43/B43)","v":""}]
[{"$f":"IF(Covg07=\"\",\"\",Covg07)","v":""},"",{"$f":"IF(Covg07=\"\",\"\",IF(New_Program=TRUE,'7.7Rate Change Calculation'!$H$49+'7.7Rate Change Calculation'!$H$50,'7.7Rate Change Calculation'!$G$49+'7.7Rate Change Calculation'!$G$50))","v":""},{"$f":"IF(Covg07=\"\",\"\",C44/B44)","v":""}]
[{"$f":"IF(Covg08=\"\",\"\",Covg08)","v":""},"",{"$f":"IF(Covg08=\"\",\"\",IF(New_Program=TRUE,'7.8Rate Change Calculation'!$H$49+'7.8Rate Change Calculation'!$H$50,'7.8Rate Change Calculation'!$G$49+'7.8Rate Change Calculation'!$G$50))","v":""},{"$f":"IF(Covg08=\"\",\"\",C45/B45)","v":""}]
[{"$f":"IF(Covg09=\"\",\"\",Covg09)","v":""},"",{"$f":"IF(Covg09=\"\",\"\",IF(New_Program=TRUE,'7.9Rate Change Calculation'!$H$49+'7.9Rate Change Calculation'!$H$50,'7.9Rate Change Calculation'!$G$49+'7.9Rate Change Calculation'!$G$50))","v":""},{"$f":"IF(Covg09=\"\",\"\",C46/B46)","v":""}]
[{"$f":"IF(Covg10=\"\",\"\",Covg10)","v":""},"",{"$f":"IF(Covg10=\"\",\"\",IF(New_Program=TRUE,'7.10Rate Change Calculation'!$H$49+'7.10Rate Change Calculation'!$H$50,'7.10Rate Change Calculation'!$G$49+'7.10Rate Change Calculation'!$G$50))","v":""},{"$f":"IF(Covg10=\"\",\"\",C47/B47)","v":""}]
["Combined",{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",SUM(B38:B47))","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",SUM(C38:C47))","v":""},{"$f":"IF(AND(Covg01=\"\",Covg02=\"\",Covg03=\"\",Covg04=\"\",Covg05=\"\",Covg06=\"\",Covg07=\"\",Covg08=\"\",Covg09=\"\",Covg10=\"\"),\"\",C48/B48)","v":""}]

{"sheet":"3.1YieldFIT","index":5,"n_rows":29,"n_cols":8,"rows_kept":29,"cut":false,"hidden":false,"merged":[[22,3,22,4],[22,5,22,6],[23,3,23,4],[23,5,23,6],[24,3,24,4],[24,5,24,6]]}
["State of California",null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["PROJECTED YIELD AND FEDERAL INCOME TAX RATE ON INVESTMENT INCOME"]
[]
[null,null,"Short-Term Assets","Intermediate-Term Assets",null,"Long-Term Assets",null,"No Maturity"]
["Line","Description","1 Year or Less","Over 1 Year thru 5 Years","Over 5 Years thru 10 Years","Over 10 Years thru 20 Years","Over 20 Years","Date"]
[1.7,"U.S. Governments"]
[2.7,"All Other Governments"]
[3.7,"States, Territories and Possessions"]
[4.7,"Political Subdivisions "]
[5.7,"Special Revenue and Assessment Obligations"]
[6.7,"Industrial and Miscellaneous"]
[7.7,"Hybrid Securities"]
[8.6999999999999993,"Parent, Subsidiaries and Affiliates"]
[9.6999999999999993,"SVO Identified Funds"]
["Source:"]
["Schedule D, Part 1A, Section 1 of the insurer group's most recent consolidated (combined) statutory Annual Statement."]
[]
[null,null,"Short-Term Assets","Intermediate-Term Assets",null,"Long-Term Assets"]
[null,null,"1 Year or Less","Over 1 Year thru 10 Years",null,"Over 10 Years"]
["(1)","Government Bonds (Sum of Lines 1.7 & 2.7)",{"$f":"SUM(C9:C10)","v":0},{"$f":"SUM(D9:E10)","v":0},null,{"$f":"SUM(F9:G10)","v":0}]
["(2)","Other Taxable Bonds (Sum of Lines 6.7, 7.7, 8.7 and one-half of Line 5.7)1",{"$f":"SUM(C14:C16)+C13/2","v":0},{"$f":"SUM(D14:E16)+SUM(D13:E13)/2","v":0},null,{"$f":"H17+SUM(F14:G16)+SUM(F13:G13)/2","v":0}]
["(3)","Tax-Exempt Bonds (Sum of Lines 3.7, 4.7 and one-half of Line 5.7)",{"$f":"SUM(C11:C12)+C13/2","v":0},{"$f":"SUM(D11:E12)+SUM(D13:E13)/2","v":0},null,{"$f":"SUM(F11:G12)+SUM(F13:G13)/2","v":0}]
["(Note:  CCR §2644.20 refers to bond asset classes of \"Credit Tenant Loans\" and \"Public Utilities\" that are no longer recorded in the"]
["NAIC Annual Statement Schedule D, Part 1A, Section 1.  Assets included in \"Other Taxable Bonds\" conform to the current NAIC Annual"]
["Statement Blank.)"]
["1  SVO Identified Funds are treated as Other Taxable Long-Term Bonds."]

{"sheet":"3.2YieldFIT","index":6,"n_rows":51,"n_cols":8,"rows_kept":51,"cut":false,"hidden":false,"merged":[]}
["State of California",null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with YieldFIT Page to the Left"]
["Department of Insurance (CDI)",null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["PROJECTED YIELD AND FEDERAL INCOME TAX RATE ON INVESTMENT INCOME"]
["(continued)"]
[null,null,"Invested Assets1","Currently Available Yield2","Return on Invested Assets","Federal Income Tax Rate","Federal Income Taxes"]
[null,null,"[1]","[2]","[3] = [1] * [2]","[4]","[5) = [3] * [4]"]
["(1)","U.S. Government Bonds"]
[null,"(i) Short-Term",{"$f":"'3.1YieldFIT'!C23","v":0},{"$f":"[1]Latest!$E$10","v":4.3300000000000005E-2},{"$f":"C10*D10","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B10)+1,1)","v":0.21},{"$f":"E10*F10","v":0}]
[null,"(ii) Intermediate-Term",{"$f":"'3.1YieldFIT'!D23","v":0},{"$f":"[1]Latest!$E$11","v":4.3366666666666664E-2},{"$f":"C11*D11","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B11)+1,1)","v":0.21},{"$f":"E11*F11","v":0}]
[null,"(iii) Long-Term",{"$f":"'3.1YieldFIT'!F23","v":0},{"$f":"[1]Latest!$E$12","v":4.7000000000000007E-2},{"$f":"C12*D12","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B12)+1,1)","v":0.21},{"$f":"E12*F12","v":0}]
["(2)","Other Taxable Bonds"]
[null,"(i) Short-Term",{"$f":"'3.1YieldFIT'!C24","v":0},{"$f":"[1]Latest!$E$14","v":4.3166666666666666E-2},{"$f":"C14*D14","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B14)+1,1)","v":0.21},{"$f":"E14*F14","v":0}]
[null,"(ii) Intermediate-Term",{"$f":"'3.1YieldFIT'!D24","v":0},{"$f":"[1]Latest!$E$15","v":4.9963868003341683E-2},{"$f":"C15*D15","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B15)+1,1)","v":0.21},{"$f":"E15*F15","v":0}]
[null,"(iii) Long-Term",{"$f":"'3.1YieldFIT'!F24","v":0},{"$f":"[1]Latest!$E$16","v":5.4334628237259819E-2},{"$f":"C16*D16","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B16)+1,1)","v":0.21},{"$f":"E16*F16","v":0}]
["(3)","Tax-Exempt Bonds"]
[null,"(i) Short-Term",{"$f":"'3.1YieldFIT'!C25","v":0},{"$f":"D14*(1-INDEX(INV_TAX_RATE,1,1))","v":3.4101666666666669E-2},{"$f":"C18*D18","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B18)+1,1)","v":5.2499999999999998E-2},{"$f":"E18*F18","v":0}]
[null,"(ii) Intermediate-Term",{"$f":"'3.1YieldFIT'!D25","v":0},{"$f":"[1]Latest!$E$19","v":3.4698454469507096E-2},{"$f":"C19*D19","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B19)+1,1)","v":5.2499999999999998E-2},{"$f":"E19*F19","v":0}]
[null,"(iii) Long-Term",{"$f":"'3.1YieldFIT'!F25","v":0},{"$f":"[1]Latest!$E$20","v":4.1716123642439429E-2},{"$f":"C20*D20","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B20)+1,1)","v":5.2499999999999998E-2},{"$f":"E20*F20","v":0}]
["(4)","Common Stock"]
[null,"(i) Dividends",null,{"$f":"[1]Latest!$E$23","v":1.9710000000000002E-2},{"$f":"C21*D22","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B22)+1,1)","v":0.13125000000000001},{"$f":"E22*F22","v":0}]
[null,"(ii) Capital Gains",null,{"$f":"[1]Latest!$E$24","v":0.10409},{"$f":"C21*D23","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B23)+1,1)","v":0.21},0]
["(5)","Preferred Stock Dividends",null,{"$f":"[1]Latest!$E$25","v":6.8223475355054297E-2},{"$f":"C24*D24","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B24)+1,1)","v":0.13125000000000001},0]
["(6)","Mortgage Loans",null,{"$f":"[1]Latest!$E$26","v":5.4334628237259819E-2},{"$f":"C25*D25","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B25)+1,1)","v":0.21},0]
["(7)","Real Estate",null,{"$f":"[1]Latest!$E$27","v":6.3800000000000009E-2},{"$f":"C26*D26","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B26)+1,1)","v":0.21},0]
["(8)","Cash",null,{"$f":"[1]Latest!$E$28","v":4.3300000000000005E-2},{"$f":"C27*D27","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B27)+1,1)","v":0.21},0]
["(9)","Other"]
[null,"(i) Dividends",null,{"$f":"[1]Latest!$E$30","v":1.9710000000000002E-2},{"$f":"C28*D29","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B29)+1,1)","v":0.13125000000000001},{"$f":"E29*F29","v":0}]
[null,"(ii) Capital Gains",null,{"$f":"[1]Latest!$E$31","v":0.10409},{"$f":"C28*D30","v":0},{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B30)+1,1)","v":0.21},{"$f":"E30*F30","v":0}]
["(10)","Total Gross Invested Assets",{"$f":"SUM(C9:C30)","v":0},null,{"$f":"SUM(E9:E30)","v":0},null,{"$f":"SUM(G9:G30)","v":0}]
["(11)","Investment Expense3",null,null,null,{"$f":"INDEX(INV_TAX_RATE,COUNTA($B$9:$B32)+1,1)","v":0.21},{"$f":"E32*F32","v":0}]
["(12)","Total Net Invested Assets",{"$f":"C31","v":0},null,{"$f":"E31-E32","v":0},null,{"$f":"G31-G32","v":0}]
["(13)","Federal Income Tax: Line (12); column [5]/column [3]",null,null,null,{"$f":"G33/E33","v":{"$error":"#DIV/0!"}},null,{"$f":"IF(ISERROR($F$34),\"← ERROR! Correct issues with input of source data on either Page 3.1 or 3.2.\",\"\")","v":"← ERROR! Correct issues with input of source data on either Page 3.1 or 3.2."}]
["(14)","Projected Yield on Invested Assets: Line (12), column [3]/column [1]",null,{"$f":"E33/C33","v":{"$error":"#DIV/0!"}}]
[null,null,"Most Recent Calendar Year"]
["(15)","Loss Reserves4"]
["(16)","Loss Adjustment Expense Reserves4"]
["(17)","Unearned Premium Reserves4"]
["(18)","Surplus as Regards to Policyholders4"]
["(19)","Total Reserves and Surplus",{"$f":"SUM(C37:C40)","v":0}]
["(20)","Projected Yield adjusted to Reserve and Surplus Base: Line (14), column [2]*Line (12), column [1]/Line (19), column [1]",null,{"$f":"D35*C33/C41","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"IF(ISERROR($D$42),\"← ERROR! Correct issues with input of source data on either Page 3.1 or 3.2.\",\"\")","v":"← ERROR! Correct issues with input of source data on either Page 3.1 or 3.2."}]
[]
["1  Source for Column [1], Lines (4) through (9): Page 2 (Assets) of the insurer group's most recent consolidated (combined) statutory Annual Statement."]
[" - Line (8) Cash: Page 2 (Assets) Line 5, cash only; cash equivalents and short-term investments are included in Schedule D."]
[" - Line (9) Other: Page 2 (Assets) Sum of Lines 6, 8, 9 and 11."]
["2  Currently available yields are defined in CCR §2644.20.  Latest values are posted at:"]
["http://www.insurance.ca.gov/0250-insurers/0800-rate-filings/0200-prior-approval-factors/",null,null,null,null,"Month/Year (Yield):",{"$f":"[1]Latest!$A$1","v":"April 2025"},"Note: To ensure latest yield/ROR information is used, go to Data menu "]
["3  Source: Page 11, Line 25 of the insurer group's most recent consolidated statutory Annual Statement.  Entered as a positive expense.",null,null,null,null,null,null,"within Excel ribbon, click \"Edit Links\" and then click \"Open Source\"."]
["4  Source for Column [1], Lines (15) through (18):"]
["Page 3 (Liabilities, Surplus and Other Funds) of the insurer group's most recent consolidated statutory Annual Statement, Lines 1, 3, 9 and 37, respectively."]

{"sheet":"4.1Excluded Exp","index":7,"n_rows":43,"n_cols":7,"rows_kept":43,"cut":false,"hidden":false,"merged":[[9,0,9,3],[10,0,10,3],[26,1,26,2],[26,3,26,4],[26,5,26,6]]}
["State of California",null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["EXCLUDED EXPENSE RATIO"]
["Countrywide Insurer Group Data"]
[]
[null,null,null,null,"2nd Prior Calendar Year","1st Prior Calendar Year","Most Recent Calendar Year"]
[null,null,null,null,{"$f":"F9-1","v":-2},{"$f":"G9-1","v":-1}]
["Countrywide direct earned premium for lines of business subject to Proposition 103 ($):"]
["Countrywide direct earned premium for lines of business not subject to Proposition 103 ($):"]
["Total countrywide direct earned premium ($):",null,null,null,{"$f":"SUM(E10:E11)","v":0},{"$f":"SUM(F10:F11)","v":0},{"$f":"SUM(G10:G11)","v":0}]
["(Note: Total must reconcile to the countrywide direct earned premium in the Insurance Expense Exhibit, Part 3 for the insurer group.)"]
["Check box if the excluded expenses entered in this page are derived on a countrywide, group basis"]
["CCR §2644.10 (b): Executive Compensation"]
[]
[null,"2nd Prior Calendar Year",null,"1st Prior Calendar Year",null,"Most Recent Calendar Year"]
[null,{"$f":"E$9","v":-2},null,{"$f":"F$9","v":-1},null,{"$f":"G$9","v":0}]
[null,"Cash & Salary","Bonus","Cash & Salary","Bonus","Cash & Salary","Bonus"]
["1st Highest Paid"]
["2nd Highest Paid"]
["3rd Highest Paid"]
["4th Highest Paid"]
["5th Highest Paid"]
[]
[null,"2nd Prior Calendar Year",null,"1st Prior Calendar Year",null,"Most Recent Calendar Year"]
[null,{"$f":"E$9","v":-2},null,{"$f":"F$9","v":-1},null,{"$f":"G$9","v":0}]
[null,"Maximum Permissible","Excessive Amount","Maximum Permissible","Excessive Amount","Maximum Permissible","Excessive Amount"]
["1st Highest Paid",{"$f":"1077*10^(1.46+0.406*(IF($E$10/1000000<70,LOG10(70),LOG10($E$10/1000000))))","v":174311.28623663625},{"$f":"IF(SUM(B20:C20)<B29,0,SUM(B20:C20)-B29)","v":0},{"$f":"1077*10^(1.46+0.406*(IF($F$10/1000000<70,LOG10(70),LOG10($F$10/1000000))))","v":174311.28623663625},{"$f":"IF(SUM(D20:E20)<D29,0,SUM(D20:E20)-D29)","v":0},{"$f":"1077*10^(1.46+0.406*(IF($G$10/1000000<70,LOG10(70),LOG10($G$10/1000000))))","v":174311.28623663625},{"$f":"IF(SUM(F20:G20)<F29,0,SUM(F20:G20)-F29)","v":0}]
["2nd Highest Paid",{"$f":"1077*10^(1.414+0.349*(IF($E$10/1000000<70,LOG10(70),LOG10($E$10/1000000))))","v":123070.77041554252},{"$f":"IF(SUM(B21:C21)<B30,0,SUM(B21:C21)-B30)","v":0},{"$f":"1077*10^(1.414+0.349*(IF($F$10/1000000<70,LOG10(70),LOG10($F$10/1000000))))","v":123070.77041554252},0,{"$f":"1077*10^(1.414+0.349*(IF($G$10/1000000<70,LOG10(70),LOG10($G$10/1000000))))","v":123070.77041554252},{"$f":"IF(SUM(F21:G21)<F30,0,SUM(F21:G21)-F30)","v":0}]
["3rd Highest Paid",{"$f":"1077*10^(1.231+0.382*(IF($E$10/1000000<70,LOG10(70),LOG10($E$10/1000000))))","v":92905.870006262398},0,{"$f":"1077*10^(1.231+0.382*(IF($F$10/1000000<70,LOG10(70),LOG10($F$10/1000000))))","v":92905.870006262398},0,{"$f":"1077*10^(1.231+0.382*(IF($G$10/1000000<70,LOG10(70),LOG10($G$10/1000000))))","v":92905.870006262398},{"$f":"IF(SUM(F22:G22)<F31,0,SUM(F22:G22)-F31)","v":0}]
["4th Highest Paid",{"$f":"1077*10^(1.247+0.358*(IF($E$10/1000000<70,LOG10(70),LOG10($E$10/1000000))))","v":87048.401739876354},0,{"$f":"1077*10^(1.247+0.358*(IF($F$10/1000000<70,LOG10(70),LOG10($F$10/1000000))))","v":87048.401739876354},0,{"$f":"1077*10^(1.247+0.358*(IF($G$10/1000000<70,LOG10(70),LOG10($G$10/1000000))))","v":87048.401739876354},{"$f":"IF(SUM(F23:G23)<F32,0,SUM(F23:G23)-F32)","v":0}]
["5th Highest Paid",{"$f":"1077*10^(1.246+0.342*(IF($E$10/1000000<70,LOG10(70),LOG10($E$10/1000000))))","v":81140.790230155078},0,{"$f":"1077*10^(1.246+0.342*(IF($F$10/1000000<70,LOG10(70),LOG10($F$10/1000000))))","v":81140.790230155078},0,{"$f":"1077*10^(1.246+0.342*(IF($G$10/1000000<70,LOG10(70),LOG10($G$10/1000000))))","v":81140.790230155078},{"$f":"IF(SUM(F24:G24)<F33,0,SUM(F24:G24)-F33)","v":0}]
["Total  Excessive",null,{"$f":"SUM(C29:C33)","v":0},null,{"$f":"SUM(E29:E33)","v":0},null,{"$f":"SUM(G29:G33)","v":0}]
[]
["CCR §2644.10 (f): Institutional Advertising"]
[]
[null,"2nd Prior Calendar Year",null,"1st Prior Calendar Year",null,"Most Recent Calendar Year"]
[null,{"$f":"E$9","v":-2},null,{"$f":"F$9","v":-1},null,{"$f":"G$9","v":0}]
[null,"Institutional","Non-Institutional","Institutional","Non-Institutional","Institutional","Non-Institutional"]
["Total Advertising1"]
["1Note: For each calendar year, the sum of Institutional and Non-Institutional advertising expenses must reconcile to the total advertising expenses"]
["reported in the Insurance Expense Exhibit, Part 1, Line 4 for the insurer group."]

{"sheet":"4.2Excluded Exp","index":8,"n_rows":20,"n_cols":6,"rows_kept":20,"cut":false,"hidden":false,"merged":[]}
["State of California","Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with Excluded Exp Page to the Left"]
["Department of Insurance (CDI)","Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["EXCLUDED EXPENSE RATIO (continued)"]
["Countrywide Insurer Group Data"]
[]
["Check box if the excluded expenses entered in this page are derived on a countrywide, group basis"]
[null,null,"2nd Prior Calendar Year","1st Prior Calendar Year","Most Recent Calendar Year"]
[null,null,{"$f":"'4.1Excluded Exp'!E$9","v":-2},{"$f":"'4.1Excluded Exp'!F$9","v":-1},{"$f":"'4.1Excluded Exp'!G$9","v":0}]
["CCR §2644.10 (a): Political contribution and lobbying "]
["CCR §2644.10 (b): Excessive Executive Compensation (Page 4.1)",null,{"$f":"'4.1Excluded Exp'!$C$34","v":0},{"$f":"'4.1Excluded Exp'!$E$34","v":0},{"$f":"'4.1Excluded Exp'!$G$34","v":0}]
["CCR §2644.10 (c): Bad faith judgments and associated DCCE"]
["CCR §2644.10 (d): All costs for unsuccessful defense of discrimination claims"]
["CCR §2644.10 (e): Fines and penalties"]
["CCR §2644.10 (f):  Institutional advertising expenses (Page 4.1)",null,{"$f":"'4.1Excluded Exp'!$B$41","v":0},{"$f":"'4.1Excluded Exp'!$D$41","v":0},{"$f":"'4.1Excluded Exp'!$F$41","v":0}]
["CCR §2644.10 (g): Excessive payments to affiliates  "]
["Total Excluded Expenses",null,{"$f":"SUM(C11:C17)","v":0},{"$f":"SUM(D11:D17)","v":0},{"$f":"SUM(E11:E17)","v":0}]
["Excluded Expense Ratio",null,{"$f":"IF(AND(New_Insurer_Group=TRUE,New_Program=TRUE),0,C18/'4.1Excluded Exp'!E$12)","v":{"$error":"#DIV/0!"}},{"$f":"IF(AND(New_Insurer_Group=TRUE,New_Program=TRUE),0,D18/'4.1Excluded Exp'!F$12)","v":{"$error":"#DIV/0!"}},{"$f":"IF(AND(New_Insurer_Group=TRUE,New_Program=TRUE),0,E18/'4.1Excluded Exp'!G$12)","v":{"$error":"#DIV/0!"}}]
["Three-Year Average Excluded Expense Ratio",null,null,null,{"$f":"AVERAGE(C19:E19)","v":{"$error":"#DIV/0!"}},{"$f":"IF(ISERROR($E$20),\"← ERROR! Correct issues with input of source data on either Page 4.1 or 4.2.\",\"\")","v":"← ERROR! Correct issues with input of source data on either Page 4.1 or 4.2."}]

{"sheet":"5.CDI Parameters","index":9,"n_rows":43,"n_cols":11,"rows_kept":43,"cut":false,"hidden":false,"merged":[[39,2,42,2],[22,3,23,4],[30,9,34,9],[25,8,26,8],[25,9,26,9],[27,8,29,8],[27,9,29,9],[30,8,34,8],[22,8,23,9]]}
["State of California",null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["FINAL ADJUSTED CDI PARAMETERS"]
[]
["Efficiency Standard"]
[null,null,null,"Marketing System Distribution"]
[null,null,null,{"$f":"Pct_Cap","v":0},{"$f":"Pct_Dir","v":0},{"$f":"Pct_Ind","v":0}]
["Detailed Line Description","Line Code","Coverage/Form/ Program","Captive","Direct","Independent","Weighted Average","Variance Adjustment","Excluded Expense Ratio","Final Adjusted Efficiency Standard"]
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[{"$f":"Detailed_LineDesc02","v":""},{"$f":"IF(OR(RIGHT(Detailed_LineCode02,1)=\"R\",RIGHT(Detailed_LineCode02,1)=\"C\",RIGHT(Detailed_LineCode02,1)=\"P\"),LEFT(Detailed_LineCode02,LEN(Detailed_LineCode02)-1),Detailed_LineCode02)","v":""},{"$f":"IF(Covg02=\"\",\"\",Covg02)","v":""},{"$f":"IF(Covg02=\"\",\"\",VLOOKUP(Detailed_LineCode02,Table_EffStd,D$21+1,FALSE))","v":""},{"$f":"IF(Covg02=\"\",\"\",VLOOKUP(Detailed_LineCode02,Table_EffStd,E$21+1,FALSE))","v":""},{"$f":"IF(Covg02=\"\",\"\",VLOOKUP(Detailed_LineCode02,Table_EffStd,F$21+1,FALSE))","v":""},{"$f":"IF(Covg02=\"\",\"\",SUMPRODUCT(D12:F12,D$9:F$9))","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(AND(ISBLANK('6.2Ratemaking Data'!$J$39)=FALSE,'1.General'!$I$47=1),EffStd_Var02,0))","v":""},{"$f":"IF(Covg02=\"\",\"\",ExpRatio_Excluded)","v":""},{"$f":"IF(Covg02=\"\",\"\",G12+H12-I12)","v":""}]
[{"$f":"Detailed_LineDesc03","v":""},{"$f":"IF(OR(RIGHT(Detailed_LineCode03,1)=\"R\",RIGHT(Detailed_LineCode03,1)=\"C\",RIGHT(Detailed_LineCode03,1)=\"P\"),LEFT(Detailed_LineCode03,LEN(Detailed_LineCode03)-1),Detailed_LineCode03)","v":""},{"$f":"IF(Covg03=\"\",\"\",Covg03)","v":""},{"$f":"IF(Covg03=\"\",\"\",VLOOKUP(Detailed_LineCode03,Table_EffStd,D$21+1,FALSE))","v":""},{"$f":"IF(Covg03=\"\",\"\",VLOOKUP(Detailed_LineCode03,Table_EffStd,E$21+1,FALSE))","v":""},{"$f":"IF(Covg03=\"\",\"\",VLOOKUP(Detailed_LineCode03,Table_EffStd,F$21+1,FALSE))","v":""},{"$f":"IF(Covg03=\"\",\"\",SUMPRODUCT(D13:F13,D$9:F$9))","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(AND(ISBLANK('6.3Ratemaking Data'!$J$39)=FALSE,'1.General'!$I$47=1),EffStd_Var03,0))","v":""},{"$f":"IF(Covg03=\"\",\"\",ExpRatio_Excluded)","v":""},{"$f":"IF(Covg03=\"\",\"\",G13+H13-I13)","v":""}]
[{"$f":"Detailed_LineDesc04","v":""},{"$f":"IF(OR(RIGHT(Detailed_LineCode04,1)=\"R\",RIGHT(Detailed_LineCode04,1)=\"C\",RIGHT(Detailed_LineCode04,1)=\"P\"),LEFT(Detailed_LineCode04,LEN(Detailed_LineCode04)-1),Detailed_LineCode04)","v":""},{"$f":"IF(Covg04=\"\",\"\",Covg04)","v":""},{"$f":"IF(Covg04=\"\",\"\",VLOOKUP(Detailed_LineCode04,Table_EffStd,D$21+1,FALSE))","v":""},{"$f":"IF(Covg04=\"\",\"\",VLOOKUP(Detailed_LineCode04,Table_EffStd,E$21+1,FALSE))","v":""},{"$f":"IF(Covg04=\"\",\"\",VLOOKUP(Detailed_LineCode04,Table_EffStd,F$21+1,FALSE))","v":""},{"$f":"IF(Covg04=\"\",\"\",SUMPRODUCT(D14:F14,D$9:F$9))","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(AND(ISBLANK('6.4Ratemaking Data'!$J$39)=FALSE,'1.General'!$I$47=1),EffStd_Var04,0))","v":""},{"$f":"IF(Covg04=\"\",\"\",ExpRatio_Excluded)","v":""},{"$f":"IF(Covg04=\"\",\"\",G14+H14-I14)","v":""}]
[{"$f":"Detailed_LineDesc05","v":""},{"$f":"IF(OR(RIGHT(Detailed_LineCode05,1)=\"R\",RIGHT(Detailed_LineCode05,1)=\"C\",RIGHT(Detailed_LineCode05,1)=\"P\"),LEFT(Detailed_LineCode05,LEN(Detailed_LineCode05)-1),Detailed_LineCode05)","v":""},{"$f":"IF(Covg05=\"\",\"\",Covg05)","v":""},{"$f":"IF(Covg05=\"\",\"\",VLOOKUP(Detailed_LineCode05,Table_EffStd,D$21+1,FALSE))","v":""},{"$f":"IF(Covg05=\"\",\"\",VLOOKUP(Detailed_LineCode05,Table_EffStd,E$21+1,FALSE))","v":""},{"$f":"IF(Covg05=\"\",\"\",VLOOKUP(Detailed_LineCode05,Table_EffStd,F$21+1,FALSE))","v":""},{"$f":"IF(Covg05=\"\",\"\",SUMPRODUCT(D15:F15,D$9:F$9))","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(AND(ISBLANK('6.5Ratemaking Data'!$J$39)=FALSE,'1.General'!$I$47=1),EffStd_Var05,0))","v":""},{"$f":"IF(Covg05=\"\",\"\",ExpRatio_Excluded)","v":""},{"$f":"IF(Covg05=\"\",\"\",G15+H15-I15)","v":""}]
[{"$f":"Detailed_LineDesc06","v":""},{"$f":"IF(OR(RIGHT(Detailed_LineCode06,1)=\"R\",RIGHT(Detailed_LineCode06,1)=\"C\",RIGHT(Detailed_LineCode06,1)=\"P\"),LEFT(Detailed_LineCode06,LEN(Detailed_LineCode06)-1),Detailed_LineCode06)","v":""},{"$f":"IF(Covg06=\"\",\"\",Covg06)","v":""},{"$f":"IF(Covg06=\"\",\"\",VLOOKUP(Detailed_LineCode06,Table_EffStd,D$21+1,FALSE))","v":""},{"$f":"IF(Covg06=\"\",\"\",VLOOKUP(Detailed_LineCode06,Table_EffStd,E$21+1,FALSE))","v":""},{"$f":"IF(Covg06=\"\",\"\",VLOOKUP(Detailed_LineCode06,Table_EffStd,F$21+1,FALSE))","v":""},{"$f":"IF(Covg06=\"\",\"\",SUMPRODUCT(D16:F16,D$9:F$9))","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(AND(ISBLANK('6.6Ratemaking Data'!$J$39)=FALSE,'1.General'!$I$47=1),EffStd_Var06,0))","v":""},{"$f":"IF(Covg06=\"\",\"\",ExpRatio_Excluded)","v":""},{"$f":"IF(Covg06=\"\",\"\",G16+H16-I16)","v":""}]
[{"$f":"Detailed_LineDesc07","v":""},{"$f":"IF(OR(RIGHT(Detailed_LineCode07,1)=\"R\",RIGHT(Detailed_LineCode07,1)=\"C\",RIGHT(Detailed_LineCode07,1)=\"P\"),LEFT(Detailed_LineCode07,LEN(Detailed_LineCode07)-1),Detailed_LineCode07)","v":""},{"$f":"IF(Covg07=\"\",\"\",Covg07)","v":""},{"$f":"IF(Covg07=\"\",\"\",VLOOKUP(Detailed_LineCode07,Table_EffStd,D$21+1,FALSE))","v":""},{"$f":"IF(Covg07=\"\",\"\",VLOOKUP(Detailed_LineCode07,Table_EffStd,E$21+1,FALSE))","v":""},{"$f":"IF(Covg07=\"\",\"\",VLOOKUP(Detailed_LineCode07,Table_EffStd,F$21+1,FALSE))","v":""},{"$f":"IF(Covg07=\"\",\"\",SUMPRODUCT(D17:F17,D$9:F$9))","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(AND(ISBLANK('6.7Ratemaking Data'!$J$39)=FALSE,'1.General'!$I$47=1),EffStd_Var07,0))","v":""},{"$f":"IF(Covg07=\"\",\"\",ExpRatio_Excluded)","v":""},{"$f":"IF(Covg07=\"\",\"\",G17+H17-I17)","v":""}]
[{"$f":"Detailed_LineDesc08","v":""},{"$f":"IF(OR(RIGHT(Detailed_LineCode08,1)=\"R\",RIGHT(Detailed_LineCode08,1)=\"C\",RIGHT(Detailed_LineCode08,1)=\"P\"),LEFT(Detailed_LineCode08,LEN(Detailed_LineCode08)-1),Detailed_LineCode08)","v":""},{"$f":"IF(Covg08=\"\",\"\",Covg08)","v":""},{"$f":"IF(Covg08=\"\",\"\",VLOOKUP(Detailed_LineCode08,Table_EffStd,D$21+1,FALSE))","v":""},{"$f":"IF(Covg08=\"\",\"\",VLOOKUP(Detailed_LineCode08,Table_EffStd,E$21+1,FALSE))","v":""},{"$f":"IF(Covg08=\"\",\"\",VLOOKUP(Detailed_LineCode08,Table_EffStd,F$21+1,FALSE))","v":""},{"$f":"IF(Covg08=\"\",\"\",SUMPRODUCT(D18:F18,D$9:F$9))","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(AND(ISBLANK('6.8Ratemaking Data'!$J$39)=FALSE,'1.General'!$I$47=1),EffStd_Var08,0))","v":""},{"$f":"IF(Covg08=\"\",\"\",ExpRatio_Excluded)","v":""},{"$f":"IF(Covg08=\"\",\"\",G18+H18-I18)","v":""}]
[{"$f":"Detailed_LineDesc09","v":""},{"$f":"IF(OR(RIGHT(Detailed_LineCode09,1)=\"R\",RIGHT(Detailed_LineCode09,1)=\"C\",RIGHT(Detailed_LineCode09,1)=\"P\"),LEFT(Detailed_LineCode09,LEN(Detailed_LineCode09)-1),Detailed_LineCode09)","v":""},{"$f":"IF(Covg09=\"\",\"\",Covg09)","v":""},{"$f":"IF(Covg09=\"\",\"\",VLOOKUP(Detailed_LineCode09,Table_EffStd,D$21+1,FALSE))","v":""},{"$f":"IF(Covg09=\"\",\"\",VLOOKUP(Detailed_LineCode09,Table_EffStd,E$21+1,FALSE))","v":""},{"$f":"IF(Covg09=\"\",\"\",VLOOKUP(Detailed_LineCode09,Table_EffStd,F$21+1,FALSE))","v":""},{"$f":"IF(Covg09=\"\",\"\",SUMPRODUCT(D19:F19,D$9:F$9))","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(AND(ISBLANK('6.9Ratemaking Data'!$J$39)=FALSE,'1.General'!$I$47=1),EffStd_Var09,0))","v":""},{"$f":"IF(Covg09=\"\",\"\",ExpRatio_Excluded)","v":""},{"$f":"IF(Covg09=\"\",\"\",G19+H19-I19)","v":""}]
[{"$f":"Detailed_LineDesc10","v":""},{"$f":"IF(OR(RIGHT(Detailed_LineCode10,1)=\"R\",RIGHT(Detailed_LineCode10,1)=\"C\",RIGHT(Detailed_LineCode10,1)=\"P\"),LEFT(Detailed_LineCode10,LEN(Detailed_LineCode10)-1),Detailed_LineCode10)","v":""},{"$f":"IF(Covg10=\"\",\"\",Covg10)","v":""},{"$f":"IF(Covg10=\"\",\"\",VLOOKUP(Detailed_LineCode10,Table_EffStd,D$21+1,FALSE))","v":""},{"$f":"IF(Covg10=\"\",\"\",VLOOKUP(Detailed_LineCode10,Table_EffStd,E$21+1,FALSE))","v":""},{"$f":"IF(Covg10=\"\",\"\",VLOOKUP(Detailed_LineCode10,Table_EffStd,F$21+1,FALSE))","v":""},{"$f":"IF(Covg10=\"\",\"\",SUMPRODUCT(D20:F20,D$9:F$9))","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(AND(ISBLANK('6.10Ratemaking Data'!$J$39)=FALSE,'1.General'!$I$47=1),EffStd_Var10,0))","v":""},{"$f":"IF(Covg10=\"\",\"\",ExpRatio_Excluded)","v":""},{"$f":"IF(Covg10=\"\",\"\",G20+H20-I20)","v":""}]
[null,null,null,1,2,3]
[]
[null,null,null,"Reserves Ratio",null,"Leverage Factor",null,null,{"$f":"\"Yields, Rate of Return & FIT Values as of \"&'3.2YieldFIT'!G48","v":"Yields, Rate of Return & FIT Values as of April 2025"}]
[null,null,null,null,null,{"$f":"IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),\"(Variance 3 applied)\",\"(Variance 3 not applied)\")","v":"(Variance 3 not applied)"}]
["Detailed Line Description","Line Code","Coverage/Form/ Program","Unearned Premium Reserves","Loss Reserves","Raw Factor","Variance Adjustment","Final Adjusted Leverage Factor","Yield",{"$f":"'3.2YieldFIT'!D42","v":{"$error":"#DIV/0!"}}]
[{"$f":"Detailed_LineDesc01","v":""},{"$f":"B11","v":""},{"$f":"IF(Covg01=\"\",\"\",Covg01)","v":""},{"$f":"IF(Covg01=\"\",\"\",VLOOKUP(Detailed_LineCode01,Table_ResRatio,2,FALSE))","v":""},{"$f":"IF(Covg01=\"\",\"\",VLOOKUP(Detailed_LineCode01,Table_ResRatio,3,FALSE))","v":""},{"$f":"IF(Covg01=\"\",\"\",VLOOKUP(Detailed_LineCode01,Table_LevFact,2,FALSE))","v":""},{"$f":"IF(Covg01=\"\",\"\",IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),0.85,1))","v":""},{"$f":"IF(Covg01=\"\",\"\",F26*G26)","v":""},"FIT",{"$f":"'3.2YieldFIT'!F34","v":{"$error":"#DIV/0!"}}]
[{"$f":"Detailed_LineDesc02","v":""},{"$f":"B12","v":""},{"$f":"IF(Covg02=\"\",\"\",Covg02)","v":""},{"$f":"IF(Covg02=\"\",\"\",VLOOKUP(Detailed_LineCode02,Table_ResRatio,2,FALSE))","v":""},{"$f":"IF(Covg02=\"\",\"\",VLOOKUP(Detailed_LineCode02,Table_ResRatio,3,FALSE))","v":""},{"$f":"IF(Covg02=\"\",\"\",VLOOKUP(Detailed_LineCode02,Table_LevFact,2,FALSE))","v":""},{"$f":"IF(Covg02=\"\",\"\",IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),0.85,1))","v":""},{"$f":"IF(Covg02=\"\",\"\",F27*G27)","v":""}]
[{"$f":"Detailed_LineDesc03","v":""},{"$f":"B13","v":""},{"$f":"IF(Covg03=\"\",\"\",Covg03)","v":""},{"$f":"IF(Covg03=\"\",\"\",VLOOKUP(Detailed_LineCode03,Table_ResRatio,2,FALSE))","v":""},{"$f":"IF(Covg03=\"\",\"\",VLOOKUP(Detailed_LineCode03,Table_ResRatio,3,FALSE))","v":""},{"$f":"IF(Covg03=\"\",\"\",VLOOKUP(Detailed_LineCode03,Table_LevFact,2,FALSE))","v":""},{"$f":"IF(Covg03=\"\",\"\",IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),0.85,1))","v":""},{"$f":"IF(Covg03=\"\",\"\",F28*G28)","v":""},"Premium Tax Rate",2.35E-2]
[{"$f":"Detailed_LineDesc04","v":""},"",{"$f":"IF(Covg04=\"\",\"\",Covg04)","v":""},{"$f":"IF(Covg04=\"\",\"\",VLOOKUP(Detailed_LineCode04,Table_ResRatio,2,FALSE))","v":""},{"$f":"IF(Covg04=\"\",\"\",VLOOKUP(Detailed_LineCode04,Table_ResRatio,3,FALSE))","v":""},{"$f":"IF(Covg04=\"\",\"\",VLOOKUP(Detailed_LineCode04,Table_LevFact,2,FALSE))","v":""},{"$f":"IF(Covg04=\"\",\"\",IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),0.85,1))","v":""},{"$f":"IF(Covg04=\"\",\"\",F29*G29)","v":""}]
[{"$f":"Detailed_LineDesc05","v":""},"",{"$f":"IF(Covg05=\"\",\"\",Covg05)","v":""},{"$f":"IF(Covg05=\"\",\"\",VLOOKUP(Detailed_LineCode05,Table_ResRatio,2,FALSE))","v":""},{"$f":"IF(Covg05=\"\",\"\",VLOOKUP(Detailed_LineCode05,Table_ResRatio,3,FALSE))","v":""},{"$f":"IF(Covg05=\"\",\"\",VLOOKUP(Detailed_LineCode05,Table_LevFact,2,FALSE))","v":""},{"$f":"IF(Covg05=\"\",\"\",IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),0.85,1))","v":""},{"$f":"IF(Covg05=\"\",\"\",F30*G30)","v":""}]
[{"$f":"Detailed_LineDesc06","v":""},"",{"$f":"IF(Covg06=\"\",\"\",Covg06)","v":""},{"$f":"IF(Covg06=\"\",\"\",VLOOKUP(Detailed_LineCode06,Table_ResRatio,2,FALSE))","v":""},{"$f":"IF(Covg06=\"\",\"\",VLOOKUP(Detailed_LineCode06,Table_ResRatio,3,FALSE))","v":""},{"$f":"IF(Covg06=\"\",\"\",VLOOKUP(Detailed_LineCode06,Table_LevFact,2,FALSE))","v":""},{"$f":"IF(Covg06=\"\",\"\",IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),0.85,1))","v":""},{"$f":"IF(Covg06=\"\",\"\",F31*G31)","v":""},"Risk Free Rate of Return",{"$f":"[1]Apr2025!$E$6","v":4.3800000000000006E-2}]
[{"$f":"Detailed_LineDesc07","v":""},"",{"$f":"IF(Covg07=\"\",\"\",Covg07)","v":""},{"$f":"IF(Covg07=\"\",\"\",VLOOKUP(Detailed_LineCode07,Table_ResRatio,2,FALSE))","v":""},{"$f":"IF(Covg07=\"\",\"\",VLOOKUP(Detailed_LineCode07,Table_ResRatio,3,FALSE))","v":""},{"$f":"IF(Covg07=\"\",\"\",VLOOKUP(Detailed_LineCode07,Table_LevFact,2,FALSE))","v":""},{"$f":"IF(Covg07=\"\",\"\",IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),0.85,1))","v":""},{"$f":"IF(Covg07=\"\",\"\",F32*G32)","v":""},null,null,"Note: To ensure latest yield/ROR information is used, go to Data menu "]
[{"$f":"Detailed_LineDesc08","v":""},"",{"$f":"IF(Covg08=\"\",\"\",Covg08)","v":""},{"$f":"IF(Covg08=\"\",\"\",VLOOKUP(Detailed_LineCode08,Table_ResRatio,2,FALSE))","v":""},{"$f":"IF(Covg08=\"\",\"\",VLOOKUP(Detailed_LineCode08,Table_ResRatio,3,FALSE))","v":""},{"$f":"IF(Covg08=\"\",\"\",VLOOKUP(Detailed_LineCode08,Table_LevFact,2,FALSE))","v":""},{"$f":"IF(Covg08=\"\",\"\",IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),0.85,1))","v":""},{"$f":"IF(Covg08=\"\",\"\",F33*G33)","v":""},null,null,"within Excel ribbon, click \"Edit Links\" and then click \"Open Source\"."]
[{"$f":"Detailed_LineDesc09","v":""},"",{"$f":"IF(Covg09=\"\",\"\",Covg09)","v":""},{"$f":"IF(Covg09=\"\",\"\",VLOOKUP(Detailed_LineCode09,Table_ResRatio,2,FALSE))","v":""},{"$f":"IF(Covg09=\"\",\"\",VLOOKUP(Detailed_LineCode09,Table_ResRatio,3,FALSE))","v":""},{"$f":"IF(Covg09=\"\",\"\",VLOOKUP(Detailed_LineCode09,Table_LevFact,2,FALSE))","v":""},{"$f":"IF(Covg09=\"\",\"\",IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),0.85,1))","v":""},{"$f":"IF(Covg09=\"\",\"\",F34*G34)","v":""}]
[{"$f":"Detailed_LineDesc10","v":""},{"$f":"B20","v":""},{"$f":"IF(Covg10=\"\",\"\",Covg10)","v":""},{"$f":"IF(Covg10=\"\",\"\",VLOOKUP(Detailed_LineCode10,Table_ResRatio,2,FALSE))","v":""},{"$f":"IF(Covg10=\"\",\"\",VLOOKUP(Detailed_LineCode10,Table_ResRatio,3,FALSE))","v":""},{"$f":"IF(Covg10=\"\",\"\",VLOOKUP(Detailed_LineCode10,Table_LevFact,2,FALSE))","v":""},{"$f":"IF(Covg10=\"\",\"\",IF(AND('1.General'!$I$47*'1.General'!$I$48=1,FIND({3},'1.General'!$E$47&\"3\")<=LEN('1.General'!$E$47)),0.85,1))","v":""},{"$f":"IF(Covg10=\"\",\"\",F35*G35)","v":""}]
[]
[]
["Standard Net Cost of Reinsurance (NCOR) Parameters"]
["Marketing System Distribution","Commission Rate","Variable Expense Factor"]
["Captive",{"$f":"VLOOKUP(Detailed_LineCode01,Table_Comm,D$21+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"$B$43+$J$28","v":{"$error":"#N/A"}}]
["Direct",{"$f":"VLOOKUP(Detailed_LineCode01,Table_Comm,E$21+1,FALSE)","v":{"$error":"#N/A"}}]
["Independent",{"$f":"VLOOKUP(Detailed_LineCode01,Table_Comm,F$21+1,FALSE)","v":{"$error":"#N/A"}}]
["Weighted Average",{"$f":"(B40*D9+B41*E9+B42*F9)","v":{"$error":"#N/A"}}]

{"sheet":"6.1Ratemaking Data","index":10,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[56,7,56,10]]}
["State of California",null,null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Ratemaking Data Input Page to the Left"]
["Department of Insurance (CDI)",null,null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["RATEMAKING DATA"]
[]
[null,"Completed by:",null,null,null,null,{"$f":"Completed_By","v":""},null,null,"Variance #(s):"]
[null,"Date Completed:",null,null,null,null,{"$f":"Completed_Date","v":""}]
[]
[null,"Detailed Line Description:",null,null,null,null,{"$f":"Detailed_LineDesc01","v":""}]
[null,"Coverage:",null,null,null,null,{"$f":"Covg01","v":""}]
[]
["Line","Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending","Projected1","New Program2"]
["(0)","Year",null,{"$f":"LEFT(MstRcntDataYr,4)-5&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-4&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-3&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-2&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-1&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"MstRcntDataYr","v":0}]
[-1,"California Direct Written Premium",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$15)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-2,"California Direct Earned Premium",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($K$15),\"\",$K$15)","v":""},null,{"$f":"IF(AND(New_Program=TRUE,$K$16<>$K$15),\"← ERROR! For New Programs, Earned Premium must equal Written Premium. Refer to Section III.C. of Prior Approval Rate Filing Instructions.\",\"\")","v":""}]
[-3,"Premium Adjustment Factor","Exh 4"]
[-4,"Premium Trend Factor1","Exh 5",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$18)),\"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column.\",\"\")","v":"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column."}]
[-5,"Miscellaneous Fees and Flat Charges","Exh 6",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$19)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-6,"Earned Exposure Units",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$20)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-7,"Historic Losses",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$21)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-8,"Historic Defense and Cost Containment Expense (DCCE)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$22)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-9,"Loss Development Factor","Exh 7"]
[-10,"DCCE Development Factor","Exh 7"]
[-11,"Loss Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$25)),\"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column"}]
[-12,"DCCE Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$26)),\"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column"}]
[-13,"Catastrophe Adjustment Factor","Exh 9"]
[-14,"Experience Credibility","Exh 10"]
[-15,"Ancillary Income","Exh 11",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$29)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[null,null,null,{"$f":"IF(COUNTBLANK(D15:D27)+COUNTBLANK(D29)=14,1,IF(COUNT(D15:D27)+COUNT(D29)=14,1,\"D \"))","v":1},{"$f":"IF(COUNTBLANK(E15:E27)+COUNTBLANK(E29)=14,1,IF(COUNT(E15:E27)+COUNT(E29)=14,1,\"E \"))","v":1},{"$f":"IF(COUNTBLANK(F15:F27)+COUNTBLANK(F29)=14,1,IF(COUNT(F15:F27)+COUNT(F29)=14,1,\"F \"))","v":1},{"$f":"IF(COUNTBLANK(G15:G27)+COUNTBLANK(G29)=14,1,IF(COUNT(G15:G27)+COUNT(G29)=14,1,\"G \"))","v":1},{"$f":"IF(COUNTBLANK(H15:H27)+COUNTBLANK(H29)=14,1,IF(COUNT(H15:H27)+COUNT(H29)=14,1,\"H \"))","v":1},{"$f":"IF(COUNTBLANK(I15:I27)+COUNTBLANK(I29)=14,1,IF(COUNT(I15:I27)+COUNT(I29)=14,1,\"I \"))","v":1},{"$f":"IF(COUNTBLANK(J15:J29)=15,1,IF(COUNT(J18,J25,J26,J28)=4,1,\"J \"))","v":1},{"$f":"IF(COUNTBLANK(K15)+COUNTBLANK(K17:K29)=14,1,IF(COUNT(K15,K19,K20,K21,K22,K29)=6,1,\"K \"))","v":1}]
[null,"Lines 16-18 link directly to pages 3 and 4 of the rate template.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program,IF(K30=1,\"\",\"← WARNING! Column K contains blank input cell(s). Please enter numeric values into these cell(s).\"),IF(SUM(D30:J30)=7,\"\",\"← WARNING! Column(s) \"&SUBSTITUTE(TRIM(SUBSTITUTE(CONCATENATE(D30,E30,F30,G30,H30,I30,J30),1,\"\")),\" \",\", \")&\" contain blank input cell(s). Please enter numeric values into these cell(s).\"))","v":""}]
[]
[-16,"Excluded Expense Ratio","Pg 4.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,ExpRatio_Excluded,\"\")","v":0},{"$f":"IF(New_Program=TRUE,ExpRatio_Excluded,\"\")","v":""}]
[-17,"Projected Federal Income Tax Rate on Investment Income","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,FIT_Inv,\"\")","v":""},{"$f":"IF(New_Program=TRUE,FIT_Inv,\"\")","v":""}]
[-18,"Projected Yield","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,Yield,\"\")","v":""},{"$f":"IF(New_Program=TRUE,Yield,\"\")","v":""}]
[]
[null,"Complete Lines 19 and 20 if a Request for Variance (1A, 1B, 2A, 2B, 2C or 4) accompanies this filing (see instructions)."]
[]
[-19,"Change to Efficiency Standard3","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$39)=FALSE,'1.General'!$I$47=2),\"← ERROR! No efficiency standard variance will be applied unless 'Y' is selected in pull-down menu on Page '1.General'.\",\"\")","v":""}]
[-20,"Most Recent Year Total Expense Ratio (excluding DCCE)4","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF('1.General'!$I$47=2,\"\",IF(AND(ExpRatio_Actual01<=EffStd_Wtd01,EffStd_VarReq01>0),\"← ERROR: Based on insurer's stated most recent year expense ratio, no relief from efficiency standard variances is allowed.  Insurer's stated most recent year expense ratio is already less than or equal to the efficiency standard.\",IF(AND(ROUND(EffStd_Wtd01+EffStd_VarReq01,3)>ExpRatio_Actual01,EffStd_VarReq01>0),\"← ERROR! Assuming the calculation of the insurer's most recent year expense ratio is justified, relief from the efficiency standard will be limited to the difference between that ratio and the efficiency standard, or, \"&ROUND(ExpRatio_Actual01-EffStd_Wtd01,3)*100&\"%, subject to CDI approval.\",\"\")))","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Earthquake and certain Medical Malpractice with Reinsurance Only (see instructions)."]
[]
[-19,"Direct Commission Rate",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$44),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter direct commission rate.\",\"\")","v":""}]
[-20,"Reinsurance Premium","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$45),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[-21,"Reinsurance Recoverable","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$46),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Qualifying Residential and Commercial Property Lines with Reinsurance Only (see instructions)."]
[]
[-19,"Commission Rate",null,null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
[-20,"Variable Expense Factor",null,null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
[-21,"Standard NCOR per Exposure","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$52),NCOR=TRUE),\"← ERROR! Enter the standard NCOR per exposure.\",\"\")","v":""}]
["1  The Projected column should reflect the annual trend expressed as a percentage for premium, loss and DCCE trends, and credibility."]
["2  Refer to Section III.C. of the Prior Approval Rate Filing Instructions for New Program requirements."]
["3  Applicable if any of Variance 1A, 1B, 2A, 2B, 2C or 4 (or any combination thereof) is being requested.  Subject to CDI approval."]
["4  Refer to CCR §2644.27 (h)."]
[null,null,null,null,null,null,null,"Go to 7.1Rate Change Calculation"]

{"sheet":"6.2Ratemaking Data","index":11,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[56,7,56,10]]}
["State of California",null,null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Ratemaking Data Input Page to the Left"]
["Department of Insurance (CDI)",null,null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["RATEMAKING DATA"]
[]
[null,"Completed by:",null,null,null,null,{"$f":"Completed_By","v":""},null,null,"Variance #(s):"]
[null,"Date Completed:",null,null,null,null,{"$f":"Completed_Date","v":""}]
[]
[null,"Detailed Line Description:",null,null,null,null,{"$f":"Detailed_LineDesc02","v":""}]
[null,"Coverage:",null,null,null,null,{"$f":"Covg02","v":""}]
[]
["Line","Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending","Projected1","New Program2"]
["(0)","Year",null,{"$f":"LEFT(MstRcntDataYr,4)-5&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-4&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-3&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-2&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-1&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"MstRcntDataYr","v":0}]
[-1,"California Direct Written Premium",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$15)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-2,"California Direct Earned Premium",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($K$15),\"\",$K$15)","v":""},null,{"$f":"IF(AND(New_Program=TRUE,$K$16<>$K$15),\"← ERROR! For New Programs, Earned Premium must equal Written Premium. Refer to Section III.C. of Prior Approval Rate Filing Instructions.\",\"\")","v":""}]
[-3,"Premium Adjustment Factor","Exh 4"]
[-4,"Premium Trend Factor1","Exh 5",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$18)),\"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column.\",\"\")","v":"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column."}]
[-5,"Miscellaneous Fees and Flat Charges","Exh 6",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$19)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-6,"Earned Exposure Units",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$20)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-7,"Historic Losses",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$21)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-8,"Historic Defense and Cost Containment Expense (DCCE)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$22)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-9,"Loss Development Factor","Exh 7"]
[-10,"DCCE Development Factor","Exh 7"]
[-11,"Loss Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$25)),\"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column"}]
[-12,"DCCE Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$26)),\"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column"}]
[-13,"Catastrophe Adjustment Factor","Exh 9"]
[-14,"Experience Credibility","Exh 10"]
[-15,"Ancillary Income","Exh 11",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$29)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[null,null,null,{"$f":"IF(COUNTBLANK(D15:D27)+COUNTBLANK(D29)=14,1,IF(COUNT(D15:D27)+COUNT(D29)=14,1,\"D \"))","v":1},{"$f":"IF(COUNTBLANK(E15:E27)+COUNTBLANK(E29)=14,1,IF(COUNT(E15:E27)+COUNT(E29)=14,1,\"E \"))","v":1},{"$f":"IF(COUNTBLANK(F15:F27)+COUNTBLANK(F29)=14,1,IF(COUNT(F15:F27)+COUNT(F29)=14,1,\"F \"))","v":1},{"$f":"IF(COUNTBLANK(G15:G27)+COUNTBLANK(G29)=14,1,IF(COUNT(G15:G27)+COUNT(G29)=14,1,\"G \"))","v":1},{"$f":"IF(COUNTBLANK(H15:H27)+COUNTBLANK(H29)=14,1,IF(COUNT(H15:H27)+COUNT(H29)=14,1,\"H \"))","v":1},{"$f":"IF(COUNTBLANK(I15:I27)+COUNTBLANK(I29)=14,1,IF(COUNT(I15:I27)+COUNT(I29)=14,1,\"I \"))","v":1},{"$f":"IF(COUNTBLANK(J15:J29)=15,1,IF(COUNT(J18,J25,J26,J28)=4,1,\"J \"))","v":1},{"$f":"IF(COUNTBLANK(K15)+COUNTBLANK(K17:K29)=14,1,IF(COUNT(K15,K19,K20,K21,K22,K29)=6,1,\"K \"))","v":1}]
[null,"Lines 16-18 link directly to pages 3 and 4 of the rate template.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program,IF(K30=1,\"\",\"← WARNING! Column K contains blank input cell(s). Please enter numeric values into these cell(s).\"),IF(SUM(D30:J30)=7,\"\",\"← WARNING! Column(s) \"&SUBSTITUTE(TRIM(SUBSTITUTE(CONCATENATE(D30,E30,F30,G30,H30,I30,J30),1,\"\")),\" \",\", \")&\" contain blank input cell(s). Please enter numeric values into these cell(s).\"))","v":""}]
[]
[-16,"Excluded Expense Ratio","Pg 4.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,ExpRatio_Excluded,\"\")","v":0},{"$f":"IF(New_Program=TRUE,ExpRatio_Excluded,\"\")","v":""}]
[-17,"Projected Federal Income Tax Rate on Investment Income","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,FIT_Inv,\"\")","v":""},{"$f":"IF(New_Program=TRUE,FIT_Inv,\"\")","v":""}]
[-18,"Projected Yield","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,Yield,\"\")","v":""},{"$f":"IF(New_Program=TRUE,Yield,\"\")","v":""}]
[]
[null,"Complete Lines 19 and 20 if a Request for Variance (1A, 1B, 2A, 2B, 2C or 4) accompanies this filing (see instructions)."]
[]
[-19,"Change to Efficiency Standard3","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$39)=FALSE,'1.General'!$I$47=2),\"← ERROR! No efficiency standard variance will be applied unless 'Y' is selected in pull-down menu on Page '1.General'.\",\"\")","v":""}]
[-20,"Most Recent Year Total Expense Ratio (excluding DCCE)4","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF('1.General'!$I$47=2,\"\",IF(AND(ExpRatio_Actual02<=EffStd_Wtd02,EffStd_VarReq02>0),\"← ERROR: Based on insurer's stated most recent year expense ratio, no relief from efficiency standard variances is allowed.  Insurer's stated most recent year expense ratio is already less than or equal to the efficiency standard.\",IF(AND(ROUND(EffStd_Wtd02+EffStd_VarReq02,3)>ExpRatio_Actual02,EffStd_VarReq02>0),\"← ERROR! Assuming the calculation of the insurer's most recent year expense ratio is justified, relief from the efficiency standard will be limited to the difference between that ratio and the efficiency standard, or, \"&ROUND(ExpRatio_Actual02-EffStd_Wtd02,3)*100&\"%, subject to CDI approval.\",\"\")))","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Earthquake and certain Medical Malpractice with Reinsurance Only (see instructions)."]
[]
[-19,"Direct Commission Rate",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$44),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter direct commission rate.\",\"\")","v":""}]
[-20,"Reinsurance Premium","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$45),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[-21,"Reinsurance Recoverable","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$46),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Qualifying Residential and Commercial Property Lines with Reinsurance Only (see instructions)."]
[]
[-19,"Commission Rate",null,null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
[-20,"Variable Expense Factor",null,null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
[-21,"Standard NCOR per Exposure","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$52),NCOR=TRUE),\"← ERROR! Enter the standard NCOR per exposure.\",\"\")","v":""}]
["1  The Projected column should reflect the annual trend expressed as a percentage for premium, loss and DCCE trends, and credibility."]
["2  Refer to Section III.C. of the Prior Approval Rate Filing Instructions for New Program requirements."]
["3  Applicable if any of Variance 1A, 1B, 2A, 2B, 2C or 4 (or any combination thereof) is being requested.  Subject to CDI approval."]
["4  Refer to CCR §2644.27 (h)."]
[null,null,null,null,null,null,null,"Go to 7.2Rate Change Calculation"]

{"sheet":"6.3Ratemaking Data","index":12,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[56,7,56,10]]}
["State of California",null,null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Ratemaking Data Input Page to the Left"]
["Department of Insurance (CDI)",null,null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["RATEMAKING DATA"]
[]
[null,"Completed by:",null,null,null,null,{"$f":"Completed_By","v":""},null,null,"Variance #(s):"]
[null,"Date Completed:",null,null,null,null,{"$f":"Completed_Date","v":""}]
[]
[null,"Detailed Line Description:",null,null,null,null,{"$f":"Detailed_LineDesc03","v":""}]
[null,"Coverage:",null,null,null,null,{"$f":"Covg03","v":""}]
[]
["Line","Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending","Projected1","New Program2"]
["(0)","Year",null,{"$f":"LEFT(MstRcntDataYr,4)-5&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-4&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-3&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-2&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-1&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"MstRcntDataYr","v":0}]
[-1,"California Direct Written Premium",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$15)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-2,"California Direct Earned Premium",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($K$15),\"\",$K$15)","v":""},null,{"$f":"IF(AND(New_Program=TRUE,$K$16<>$K$15),\"← ERROR! For New Programs, Earned Premium must equal Written Premium. Refer to Section III.C. of Prior Approval Rate Filing Instructions.\",\"\")","v":""}]
[-3,"Premium Adjustment Factor","Exh 4"]
[-4,"Premium Trend Factor1","Exh 5",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$18)),\"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column.\",\"\")","v":"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column."}]
[-5,"Miscellaneous Fees and Flat Charges","Exh 6",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$19)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-6,"Earned Exposure Units",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$20)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-7,"Historic Losses",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$21)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-8,"Historic Defense and Cost Containment Expense (DCCE)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$22)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-9,"Loss Development Factor","Exh 7"]
[-10,"DCCE Development Factor","Exh 7"]
[-11,"Loss Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$25)),\"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column"}]
[-12,"DCCE Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$26)),\"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column"}]
[-13,"Catastrophe Adjustment Factor","Exh 9"]
[-14,"Experience Credibility","Exh 10"]
[-15,"Ancillary Income","Exh 11",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$29)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[null,null,null,{"$f":"IF(COUNTBLANK(D15:D27)+COUNTBLANK(D29)=14,1,IF(COUNT(D15:D27)+COUNT(D29)=14,1,\"D \"))","v":1},{"$f":"IF(COUNTBLANK(E15:E27)+COUNTBLANK(E29)=14,1,IF(COUNT(E15:E27)+COUNT(E29)=14,1,\"E \"))","v":1},{"$f":"IF(COUNTBLANK(F15:F27)+COUNTBLANK(F29)=14,1,IF(COUNT(F15:F27)+COUNT(F29)=14,1,\"F \"))","v":1},{"$f":"IF(COUNTBLANK(G15:G27)+COUNTBLANK(G29)=14,1,IF(COUNT(G15:G27)+COUNT(G29)=14,1,\"G \"))","v":1},{"$f":"IF(COUNTBLANK(H15:H27)+COUNTBLANK(H29)=14,1,IF(COUNT(H15:H27)+COUNT(H29)=14,1,\"H \"))","v":1},{"$f":"IF(COUNTBLANK(I15:I27)+COUNTBLANK(I29)=14,1,IF(COUNT(I15:I27)+COUNT(I29)=14,1,\"I \"))","v":1},{"$f":"IF(COUNTBLANK(J15:J29)=15,1,IF(COUNT(J18,J25,J26,J28)=4,1,\"J \"))","v":1},{"$f":"IF(COUNTBLANK(K15)+COUNTBLANK(K17:K29)=14,1,IF(COUNT(K15,K19,K20,K21,K22,K29)=6,1,\"K \"))","v":1}]
[null,"Lines 16-18 link directly to pages 3 and 4 of the rate template.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program,IF(K30=1,\"\",\"← WARNING! Column K contains blank input cell(s). Please enter numeric values into these cell(s).\"),IF(SUM(D30:J30)=7,\"\",\"← WARNING! Column(s) \"&SUBSTITUTE(TRIM(SUBSTITUTE(CONCATENATE(D30,E30,F30,G30,H30,I30,J30),1,\"\")),\" \",\", \")&\" contain blank input cell(s). Please enter numeric values into these cell(s).\"))","v":""}]
[]
[-16,"Excluded Expense Ratio","Pg 4.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,ExpRatio_Excluded,\"\")","v":0},{"$f":"IF(New_Program=TRUE,ExpRatio_Excluded,\"\")","v":""}]
[-17,"Projected Federal Income Tax Rate on Investment Income","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,FIT_Inv,\"\")","v":""},{"$f":"IF(New_Program=TRUE,FIT_Inv,\"\")","v":""}]
[-18,"Projected Yield","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,Yield,\"\")","v":""},{"$f":"IF(New_Program=TRUE,Yield,\"\")","v":""}]
[]
[null,"Complete Lines 19 and 20 if a Request for Variance (1A, 1B, 2A, 2B, 2C or 4) accompanies this filing (see instructions)."]
[]
[-19,"Change to Efficiency Standard3","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$39)=FALSE,'1.General'!$I$47=2),\"← ERROR! No efficiency standard variance will be applied unless 'Y' is selected in pull-down menu on Page '1.General'.\",\"\")","v":""}]
[-20,"Most Recent Year Total Expense Ratio (excluding DCCE)4","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF('1.General'!$I$47=2,\"\",IF(AND(ExpRatio_Actual03<=EffStd_Wtd03,EffStd_VarReq03>0),\"← ERROR: Based on insurer's stated most recent year expense ratio, no relief from efficiency standard variances is allowed.  Insurer's stated most recent year expense ratio is already less than or equal to the efficiency standard.\",IF(AND(ROUND(EffStd_Wtd03+EffStd_VarReq03,3)>ExpRatio_Actual03,EffStd_VarReq03>0),\"← ERROR! Assuming the calculation of the insurer's most recent year expense ratio is justified, relief from the efficiency standard will be limited to the difference between that ratio and the efficiency standard, or, \"&ROUND(ExpRatio_Actual03-EffStd_Wtd03,3)*100&\"%, subject to CDI approval.\",\"\")))","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Earthquake and certain Medical Malpractice with Reinsurance Only (see instructions)."]
[]
[-19,"Direct Commission Rate",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$44),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter direct commission rate.\",\"\")","v":""}]
[-20,"Reinsurance Premium","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$45),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[-21,"Reinsurance Recoverable","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$46),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Qualifying Residential and Commercial Property Lines with Reinsurance Only (see instructions)."]
[]
[-19,"Commission Rate",null,null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
[-20,"Variable Expense Factor",null,null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
[-21,"Standard NCOR per Exposure","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$52),NCOR=TRUE),\"← ERROR! Enter the standard NCOR per exposure.\",\"\")","v":""}]
["1  The Projected column should reflect the annual trend expressed as a percentage for premium, loss and DCCE trends, and credibility."]
["2  Refer to Section III.C. of the Prior Approval Rate Filing Instructions for New Program requirements."]
["3  Applicable if any of Variance 1A, 1B, 2A, 2B, 2C or 4 (or any combination thereof) is being requested.  Subject to CDI approval."]
["4  Refer to CCR §2644.27 (h)."]
[null,null,null,null,null,null,null,"Go to 7.3Rate Change Calculation"]

{"sheet":"6.4Ratemaking Data","index":13,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[56,7,56,10]]}
["State of California",null,null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Ratemaking Data Input Page to the Left"]
["Department of Insurance (CDI)",null,null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["RATEMAKING DATA"]
[]
[null,"Completed by:",null,null,null,null,{"$f":"Completed_By","v":""},null,null,"Variance #(s):"]
[null,"Date Completed:",null,null,null,null,{"$f":"Completed_Date","v":""}]
[]
[null,"Detailed Line Description:",null,null,null,null,{"$f":"Detailed_LineDesc04","v":""}]
[null,"Coverage:",null,null,null,null,{"$f":"Covg04","v":""}]
[]
["Line","Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending","Projected1","New Program2"]
["(0)","Year",null,{"$f":"LEFT(MstRcntDataYr,4)-5&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-4&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-3&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-2&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-1&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"MstRcntDataYr","v":0}]
[-1,"California Direct Written Premium",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$15)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-2,"California Direct Earned Premium",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($K$15),\"\",$K$15)","v":""},null,{"$f":"IF(AND(New_Program=TRUE,$K$16<>$K$15),\"← ERROR! For New Programs, Earned Premium must equal Written Premium. Refer to Section III.C. of Prior Approval Rate Filing Instructions.\",\"\")","v":""}]
[-3,"Premium Adjustment Factor","Exh 4"]
[-4,"Premium Trend Factor1","Exh 5",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$18)),\"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column.\",\"\")","v":"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column."}]
[-5,"Miscellaneous Fees and Flat Charges","Exh 6",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$19)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-6,"Earned Exposure Units",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$20)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-7,"Historic Losses",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$21)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-8,"Historic Defense and Cost Containment Expense (DCCE)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$22)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-9,"Loss Development Factor","Exh 7"]
[-10,"DCCE Development Factor","Exh 7"]
[-11,"Loss Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$25)),\"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column"}]
[-12,"DCCE Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$26)),\"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column"}]
[-13,"Catastrophe Adjustment Factor","Exh 9"]
[-14,"Experience Credibility","Exh 10"]
[-15,"Ancillary Income","Exh 11",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$29)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[null,null,null,{"$f":"IF(COUNTBLANK(D15:D27)+COUNTBLANK(D29)=14,1,IF(COUNT(D15:D27)+COUNT(D29)=14,1,\"D \"))","v":1},{"$f":"IF(COUNTBLANK(E15:E27)+COUNTBLANK(E29)=14,1,IF(COUNT(E15:E27)+COUNT(E29)=14,1,\"E \"))","v":1},{"$f":"IF(COUNTBLANK(F15:F27)+COUNTBLANK(F29)=14,1,IF(COUNT(F15:F27)+COUNT(F29)=14,1,\"F \"))","v":1},{"$f":"IF(COUNTBLANK(G15:G27)+COUNTBLANK(G29)=14,1,IF(COUNT(G15:G27)+COUNT(G29)=14,1,\"G \"))","v":1},{"$f":"IF(COUNTBLANK(H15:H27)+COUNTBLANK(H29)=14,1,IF(COUNT(H15:H27)+COUNT(H29)=14,1,\"H \"))","v":1},{"$f":"IF(COUNTBLANK(I15:I27)+COUNTBLANK(I29)=14,1,IF(COUNT(I15:I27)+COUNT(I29)=14,1,\"I \"))","v":1},{"$f":"IF(COUNTBLANK(J15:J29)=15,1,IF(COUNT(J18,J25,J26,J28)=4,1,\"J \"))","v":1},{"$f":"IF(COUNTBLANK(K15)+COUNTBLANK(K17:K29)=14,1,IF(COUNT(K15,K19,K20,K21,K22,K29)=6,1,\"K \"))","v":1}]
[null,"Lines 16-18 link directly to pages 3 and 4 of the rate template.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program,IF(K30=1,\"\",\"← WARNING! Column K contains blank input cell(s). Please enter numeric values into these cell(s).\"),IF(SUM(D30:J30)=7,\"\",\"← WARNING! Column(s) \"&SUBSTITUTE(TRIM(SUBSTITUTE(CONCATENATE(D30,E30,F30,G30,H30,I30,J30),1,\"\")),\" \",\", \")&\" contain blank input cell(s). Please enter numeric values into these cell(s).\"))","v":""}]
[]
[-16,"Excluded Expense Ratio","Pg 4.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,ExpRatio_Excluded,\"\")","v":0},{"$f":"IF(New_Program=TRUE,ExpRatio_Excluded,\"\")","v":""}]
[-17,"Projected Federal Income Tax Rate on Investment Income","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,FIT_Inv,\"\")","v":""},{"$f":"IF(New_Program=TRUE,FIT_Inv,\"\")","v":""}]
[-18,"Projected Yield","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,Yield,\"\")","v":""},{"$f":"IF(New_Program=TRUE,Yield,\"\")","v":""}]
[]
[null,"Complete Lines 19 and 20 if a Request for Variance (1A, 1B, 2A, 2B, 2C or 4) accompanies this filing (see instructions)."]
[]
[-19,"Change to Efficiency Standard3","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$39)=FALSE,'1.General'!$I$47=2),\"← ERROR! No efficiency standard variance will be applied unless 'Y' is selected in pull-down menu on Page '1.General'.\",\"\")","v":""}]
[-20,"Most Recent Year Total Expense Ratio (excluding DCCE)4","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF('1.General'!$I$47=2,\"\",IF(AND(ExpRatio_Actual04<=EffStd_Wtd04,EffStd_VarReq04>0),\"← ERROR: Based on insurer's stated most recent year expense ratio, no relief from efficiency standard variances is allowed.  Insurer's stated most recent year expense ratio is already less than or equal to the efficiency standard.\",IF(AND(ROUND(EffStd_Wtd04+EffStd_VarReq04,3)>ExpRatio_Actual04,EffStd_VarReq04>0),\"← ERROR! Assuming the calculation of the insurer's most recent year expense ratio is justified, relief from the efficiency standard will be limited to the difference between that ratio and the efficiency standard, or, \"&ROUND(ExpRatio_Actual04-EffStd_Wtd04,3)*100&\"%, subject to CDI approval.\",\"\")))","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Earthquake and certain Medical Malpractice with Reinsurance Only (see instructions)."]
[]
[-19,"Direct Commission Rate",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$44),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter direct commission rate.\",\"\")","v":""}]
[-20,"Reinsurance Premium","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$45),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[-21,"Reinsurance Recoverable","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$46),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Qualifying Residential and Commercial Property Lines with Reinsurance Only (see instructions)."]
[]
[-19,"Commission Rate",null,null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
[-20,"Variable Expense Factor",null,null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
[-21,"Standard NCOR per Exposure","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$52),NCOR=TRUE),\"← ERROR! Enter the standard NCOR per exposure.\",\"\")","v":""}]
["1  The Projected column should reflect the annual trend expressed as a percentage for premium, loss and DCCE trends, and credibility."]
["2  Refer to Section III.C. of the Prior Approval Rate Filing Instructions for New Program requirements."]
["3  Applicable if any of Variance 1A, 1B, 2A, 2B, 2C or 4 (or any combination thereof) is being requested.  Subject to CDI approval."]
["4  Refer to CCR §2644.27 (h)."]
[null,null,null,null,null,null,null,"Go to 7.4Rate Change Calculation"]

{"sheet":"6.5Ratemaking Data","index":14,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[56,7,56,10]]}
["State of California",null,null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Ratemaking Data Input Page to the Left"]
["Department of Insurance (CDI)",null,null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["RATEMAKING DATA"]
[]
[null,"Completed by:",null,null,null,null,{"$f":"Completed_By","v":""},null,null,"Variance #(s):"]
[null,"Date Completed:",null,null,null,null,{"$f":"Completed_Date","v":""}]
[]
[null,"Detailed Line Description:",null,null,null,null,{"$f":"Detailed_LineDesc05","v":""}]
[null,"Coverage:",null,null,null,null,{"$f":"Covg05","v":""}]
[]
["Line","Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending","Projected1","New Program2"]
["(0)","Year",null,{"$f":"LEFT(MstRcntDataYr,4)-5&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-4&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-3&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-2&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-1&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"MstRcntDataYr","v":0}]
[-1,"California Direct Written Premium",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$15)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-2,"California Direct Earned Premium",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($K$15),\"\",$K$15)","v":""},null,{"$f":"IF(AND(New_Program=TRUE,$K$16<>$K$15),\"← ERROR! For New Programs, Earned Premium must equal Written Premium. Refer to Section III.C. of Prior Approval Rate Filing Instructions.\",\"\")","v":""}]
[-3,"Premium Adjustment Factor","Exh 4"]
[-4,"Premium Trend Factor1","Exh 5",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$18)),\"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column.\",\"\")","v":"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column."}]
[-5,"Miscellaneous Fees and Flat Charges","Exh 6",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$19)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-6,"Earned Exposure Units",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$20)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-7,"Historic Losses",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$21)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-8,"Historic Defense and Cost Containment Expense (DCCE)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$22)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-9,"Loss Development Factor","Exh 7"]
[-10,"DCCE Development Factor","Exh 7"]
[-11,"Loss Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$25)),\"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column"}]
[-12,"DCCE Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$26)),\"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column"}]
[-13,"Catastrophe Adjustment Factor","Exh 9"]
[-14,"Experience Credibility","Exh 10"]
[-15,"Ancillary Income","Exh 11",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$29)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[null,null,null,{"$f":"IF(COUNTBLANK(D15:D27)+COUNTBLANK(D29)=14,1,IF(COUNT(D15:D27)+COUNT(D29)=14,1,\"D \"))","v":1},{"$f":"IF(COUNTBLANK(E15:E27)+COUNTBLANK(E29)=14,1,IF(COUNT(E15:E27)+COUNT(E29)=14,1,\"E \"))","v":1},{"$f":"IF(COUNTBLANK(F15:F27)+COUNTBLANK(F29)=14,1,IF(COUNT(F15:F27)+COUNT(F29)=14,1,\"F \"))","v":1},{"$f":"IF(COUNTBLANK(G15:G27)+COUNTBLANK(G29)=14,1,IF(COUNT(G15:G27)+COUNT(G29)=14,1,\"G \"))","v":1},{"$f":"IF(COUNTBLANK(H15:H27)+COUNTBLANK(H29)=14,1,IF(COUNT(H15:H27)+COUNT(H29)=14,1,\"H \"))","v":1},{"$f":"IF(COUNTBLANK(I15:I27)+COUNTBLANK(I29)=14,1,IF(COUNT(I15:I27)+COUNT(I29)=14,1,\"I \"))","v":1},{"$f":"IF(COUNTBLANK(J15:J29)=15,1,IF(COUNT(J18,J25,J26,J28)=4,1,\"J \"))","v":1},{"$f":"IF(COUNTBLANK(K15)+COUNTBLANK(K17:K29)=14,1,IF(COUNT(K15,K19,K20,K21,K22,K29)=6,1,\"K \"))","v":1}]
[null,"Lines 16-18 link directly to pages 3 and 4 of the rate template.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program,IF(K30=1,\"\",\"← WARNING! Column K contains blank input cell(s). Please enter numeric values into these cell(s).\"),IF(SUM(D30:J30)=7,\"\",\"← WARNING! Column(s) \"&SUBSTITUTE(TRIM(SUBSTITUTE(CONCATENATE(D30,E30,F30,G30,H30,I30,J30),1,\"\")),\" \",\", \")&\" contain blank input cell(s). Please enter numeric values into these cell(s).\"))","v":""}]
[]
[-16,"Excluded Expense Ratio","Pg 4.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,ExpRatio_Excluded,\"\")","v":0},{"$f":"IF(New_Program=TRUE,ExpRatio_Excluded,\"\")","v":""}]
[-17,"Projected Federal Income Tax Rate on Investment Income","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,FIT_Inv,\"\")","v":""},{"$f":"IF(New_Program=TRUE,FIT_Inv,\"\")","v":""}]
[-18,"Projected Yield","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,Yield,\"\")","v":""},{"$f":"IF(New_Program=TRUE,Yield,\"\")","v":""}]
[]
[null,"Complete Lines 19 and 20 if a Request for Variance (1A, 1B, 2A, 2B, 2C or 4) accompanies this filing (see instructions)."]
[]
[-19,"Change to Efficiency Standard3","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$39)=FALSE,'1.General'!$I$47=2),\"← ERROR! No efficiency standard variance will be applied unless 'Y' is selected in pull-down menu on Page '1.General'.\",\"\")","v":""}]
[-20,"Most Recent Year Total Expense Ratio (excluding DCCE)4","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF('1.General'!$I$47=2,\"\",IF(AND(ExpRatio_Actual05<=EffStd_Wtd05,EffStd_VarReq05>0),\"← ERROR: Based on insurer's stated most recent year expense ratio, no relief from efficiency standard variances is allowed.  Insurer's stated most recent year expense ratio is already less than or equal to the efficiency standard.\",IF(AND(ROUND(EffStd_Wtd05+EffStd_VarReq05,3)>ExpRatio_Actual05,EffStd_VarReq05>0),\"← ERROR! Assuming the calculation of the insurer's most recent year expense ratio is justified, relief from the efficiency standard will be limited to the difference between that ratio and the efficiency standard, or, \"&ROUND(ExpRatio_Actual05-EffStd_Wtd05,3)*100&\"%, subject to CDI approval.\",\"\")))","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Earthquake and certain Medical Malpractice with Reinsurance Only (see instructions)."]
[]
[-19,"Direct Commission Rate",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$44),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter direct commission rate.\",\"\")","v":""}]
[-20,"Reinsurance Premium","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$45),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[-21,"Reinsurance Recoverable","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$46),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Qualifying Residential and Commercial Property Lines with Reinsurance Only (see instructions)."]
[]
[-19,"Commission Rate",null,null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
[-20,"Variable Expense Factor",null,null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
[-21,"Standard NCOR per Exposure","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$52),NCOR=TRUE),\"← ERROR! Enter the standard NCOR per exposure.\",\"\")","v":""}]
["1  The Projected column should reflect the annual trend expressed as a percentage for premium, loss and DCCE trends, and credibility."]
["2  Refer to Section III.C. of the Prior Approval Rate Filing Instructions for New Program requirements."]
["3  Applicable if any of Variance 1A, 1B, 2A, 2B, 2C or 4 (or any combination thereof) is being requested.  Subject to CDI approval."]
["4  Refer to CCR §2644.27 (h)."]
[null,null,null,null,null,null,null,"Go to 7.5Rate Change Calculation"]

{"sheet":"6.6Ratemaking Data","index":15,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[56,7,56,10]]}
["State of California",null,null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Ratemaking Data Input Page to the Left"]
["Department of Insurance (CDI)",null,null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["RATEMAKING DATA"]
[]
[null,"Completed by:",null,null,null,null,{"$f":"Completed_By","v":""},null,null,"Variance #(s):"]
[null,"Date Completed:",null,null,null,null,{"$f":"Completed_Date","v":""}]
[]
[null,"Detailed Line Description:",null,null,null,null,{"$f":"Detailed_LineDesc06","v":""}]
[null,"Coverage:",null,null,null,null,{"$f":"Covg06","v":""}]
[]
["Line","Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending","Projected1","New Program2"]
["(0)","Year",null,{"$f":"LEFT(MstRcntDataYr,4)-5&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-4&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-3&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-2&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-1&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"MstRcntDataYr","v":0}]
[-1,"California Direct Written Premium",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$15)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-2,"California Direct Earned Premium",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($K$15),\"\",$K$15)","v":""},null,{"$f":"IF(AND(New_Program=TRUE,$K$16<>$K$15),\"← ERROR! For New Programs, Earned Premium must equal Written Premium. Refer to Section III.C. of Prior Approval Rate Filing Instructions.\",\"\")","v":""}]
[-3,"Premium Adjustment Factor","Exh 4"]
[-4,"Premium Trend Factor1","Exh 5",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$18)),\"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column.\",\"\")","v":"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column."}]
[-5,"Miscellaneous Fees and Flat Charges","Exh 6",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$19)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-6,"Earned Exposure Units",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$20)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-7,"Historic Losses",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$21)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-8,"Historic Defense and Cost Containment Expense (DCCE)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$22)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-9,"Loss Development Factor","Exh 7"]
[-10,"DCCE Development Factor","Exh 7"]
[-11,"Loss Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$25)),\"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column"}]
[-12,"DCCE Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$26)),\"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column"}]
[-13,"Catastrophe Adjustment Factor","Exh 9"]
[-14,"Experience Credibility","Exh 10"]
[-15,"Ancillary Income","Exh 11",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$29)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[null,null,null,{"$f":"IF(COUNTBLANK(D15:D27)+COUNTBLANK(D29)=14,1,IF(COUNT(D15:D27)+COUNT(D29)=14,1,\"D \"))","v":1},{"$f":"IF(COUNTBLANK(E15:E27)+COUNTBLANK(E29)=14,1,IF(COUNT(E15:E27)+COUNT(E29)=14,1,\"E \"))","v":1},{"$f":"IF(COUNTBLANK(F15:F27)+COUNTBLANK(F29)=14,1,IF(COUNT(F15:F27)+COUNT(F29)=14,1,\"F \"))","v":1},{"$f":"IF(COUNTBLANK(G15:G27)+COUNTBLANK(G29)=14,1,IF(COUNT(G15:G27)+COUNT(G29)=14,1,\"G \"))","v":1},{"$f":"IF(COUNTBLANK(H15:H27)+COUNTBLANK(H29)=14,1,IF(COUNT(H15:H27)+COUNT(H29)=14,1,\"H \"))","v":1},{"$f":"IF(COUNTBLANK(I15:I27)+COUNTBLANK(I29)=14,1,IF(COUNT(I15:I27)+COUNT(I29)=14,1,\"I \"))","v":1},{"$f":"IF(COUNTBLANK(J15:J29)=15,1,IF(COUNT(J18,J25,J26,J28)=4,1,\"J \"))","v":1},{"$f":"IF(COUNTBLANK(K15)+COUNTBLANK(K17:K29)=14,1,IF(COUNT(K15,K19,K20,K21,K22,K29)=6,1,\"K \"))","v":1}]
[null,"Lines 16-18 link directly to pages 3 and 4 of the rate template.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program,IF(K30=1,\"\",\"← WARNING! Column K contains blank input cell(s). Please enter numeric values into these cell(s).\"),IF(SUM(D30:J30)=7,\"\",\"← WARNING! Column(s) \"&SUBSTITUTE(TRIM(SUBSTITUTE(CONCATENATE(D30,E30,F30,G30,H30,I30,J30),1,\"\")),\" \",\", \")&\" contain blank input cell(s). Please enter numeric values into these cell(s).\"))","v":""}]
[]
[-16,"Excluded Expense Ratio","Pg 4.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,ExpRatio_Excluded,\"\")","v":0},{"$f":"IF(New_Program=TRUE,ExpRatio_Excluded,\"\")","v":""}]
[-17,"Projected Federal Income Tax Rate on Investment Income","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,FIT_Inv,\"\")","v":""},{"$f":"IF(New_Program=TRUE,FIT_Inv,\"\")","v":""}]
[-18,"Projected Yield","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,Yield,\"\")","v":""},{"$f":"IF(New_Program=TRUE,Yield,\"\")","v":""}]
[]
[null,"Complete Lines 19 and 20 if a Request for Variance (1A, 1B, 2A, 2B, 2C or 4) accompanies this filing (see instructions)."]
[]
[-19,"Change to Efficiency Standard3","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$39)=FALSE,'1.General'!$I$47=2),\"← ERROR! No efficiency standard variance will be applied unless 'Y' is selected in pull-down menu on Page '1.General'.\",\"\")","v":""}]
[-20,"Most Recent Year Total Expense Ratio (excluding DCCE)4","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF('1.General'!$I$47=2,\"\",IF(AND(ExpRatio_Actual06<=EffStd_Wtd06,EffStd_VarReq06>0),\"← ERROR: Based on insurer's stated most recent year expense ratio, no relief from efficiency standard variances is allowed.  Insurer's stated most recent year expense ratio is already less than or equal to the efficiency standard.\",IF(AND(ROUND(EffStd_Wtd06+EffStd_VarReq06,3)>ExpRatio_Actual06,EffStd_VarReq06>0),\"← ERROR! Assuming the calculation of the insurer's most recent year expense ratio is justified, relief from the efficiency standard will be limited to the difference between that ratio and the efficiency standard, or, \"&ROUND(ExpRatio_Actual06-EffStd_Wtd06,3)*100&\"%, subject to CDI approval.\",\"\")))","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Earthquake and certain Medical Malpractice with Reinsurance Only (see instructions)."]
[]
[-19,"Direct Commission Rate",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$44),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter direct commission rate.\",\"\")","v":""}]
[-20,"Reinsurance Premium","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$45),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[-21,"Reinsurance Recoverable","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$46),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Qualifying Residential and Commercial Property Lines with Reinsurance Only (see instructions)."]
[]
[-19,"Commission Rate",null,null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
[-20,"Variable Expense Factor",null,null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
[-21,"Standard NCOR per Exposure","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$52),NCOR=TRUE),\"← ERROR! Enter the standard NCOR per exposure.\",\"\")","v":""}]
["1  The Projected column should reflect the annual trend expressed as a percentage for premium, loss and DCCE trends, and credibility."]
["2  Refer to Section III.C. of the Prior Approval Rate Filing Instructions for New Program requirements."]
["3  Applicable if any of Variance 1A, 1B, 2A, 2B, 2C or 4 (or any combination thereof) is being requested.  Subject to CDI approval."]
["4  Refer to CCR §2644.27 (h)."]
[null,null,null,null,null,null,null,"Go to 7.6Rate Change Calculation"]

{"sheet":"6.7Ratemaking Data","index":16,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[56,7,56,10]]}
["State of California",null,null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Ratemaking Data Input Page to the Left"]
["Department of Insurance (CDI)",null,null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["RATEMAKING DATA"]
[]
[null,"Completed by:",null,null,null,null,{"$f":"Completed_By","v":""},null,null,"Variance #(s):"]
[null,"Date Completed:",null,null,null,null,{"$f":"Completed_Date","v":""}]
[]
[null,"Detailed Line Description:",null,null,null,null,{"$f":"Detailed_LineDesc07","v":""}]
[null,"Coverage:",null,null,null,null,{"$f":"Covg07","v":""}]
[]
["Line","Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending","Projected1","New Program2"]
["(0)","Year",null,{"$f":"LEFT(MstRcntDataYr,4)-5&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-4&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-3&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-2&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-1&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"MstRcntDataYr","v":0}]
[-1,"California Direct Written Premium",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$15)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-2,"California Direct Earned Premium",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($K$15),\"\",$K$15)","v":""},null,{"$f":"IF(AND(New_Program=TRUE,$K$16<>$K$15),\"← ERROR! For New Programs, Earned Premium must equal Written Premium. Refer to Section III.C. of Prior Approval Rate Filing Instructions.\",\"\")","v":""}]
[-3,"Premium Adjustment Factor","Exh 4"]
[-4,"Premium Trend Factor1","Exh 5",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$18)),\"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column.\",\"\")","v":"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column."}]
[-5,"Miscellaneous Fees and Flat Charges","Exh 6",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$19)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-6,"Earned Exposure Units",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$20)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-7,"Historic Losses",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$21)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-8,"Historic Defense and Cost Containment Expense (DCCE)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$22)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-9,"Loss Development Factor","Exh 7"]
[-10,"DCCE Development Factor","Exh 7"]
[-11,"Loss Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$25)),\"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column"}]
[-12,"DCCE Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$26)),\"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column"}]
[-13,"Catastrophe Adjustment Factor","Exh 9"]
[-14,"Experience Credibility","Exh 10"]
[-15,"Ancillary Income","Exh 11",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$29)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[null,null,null,{"$f":"IF(COUNTBLANK(D15:D27)+COUNTBLANK(D29)=14,1,IF(COUNT(D15:D27)+COUNT(D29)=14,1,\"D \"))","v":1},{"$f":"IF(COUNTBLANK(E15:E27)+COUNTBLANK(E29)=14,1,IF(COUNT(E15:E27)+COUNT(E29)=14,1,\"E \"))","v":1},{"$f":"IF(COUNTBLANK(F15:F27)+COUNTBLANK(F29)=14,1,IF(COUNT(F15:F27)+COUNT(F29)=14,1,\"F \"))","v":1},{"$f":"IF(COUNTBLANK(G15:G27)+COUNTBLANK(G29)=14,1,IF(COUNT(G15:G27)+COUNT(G29)=14,1,\"G \"))","v":1},{"$f":"IF(COUNTBLANK(H15:H27)+COUNTBLANK(H29)=14,1,IF(COUNT(H15:H27)+COUNT(H29)=14,1,\"H \"))","v":1},{"$f":"IF(COUNTBLANK(I15:I27)+COUNTBLANK(I29)=14,1,IF(COUNT(I15:I27)+COUNT(I29)=14,1,\"I \"))","v":1},{"$f":"IF(COUNTBLANK(J15:J29)=15,1,IF(COUNT(J18,J25,J26,J28)=4,1,\"J \"))","v":1},{"$f":"IF(COUNTBLANK(K15)+COUNTBLANK(K17:K29)=14,1,IF(COUNT(K15,K19,K20,K21,K22,K29)=6,1,\"K \"))","v":1}]
[null,"Lines 16-18 link directly to pages 3 and 4 of the rate template.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program,IF(K30=1,\"\",\"← WARNING! Column K contains blank input cell(s). Please enter numeric values into these cell(s).\"),IF(SUM(D30:J30)=7,\"\",\"← WARNING! Column(s) \"&SUBSTITUTE(TRIM(SUBSTITUTE(CONCATENATE(D30,E30,F30,G30,H30,I30,J30),1,\"\")),\" \",\", \")&\" contain blank input cell(s). Please enter numeric values into these cell(s).\"))","v":""}]
[]
[-16,"Excluded Expense Ratio","Pg 4.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,ExpRatio_Excluded,\"\")","v":0},{"$f":"IF(New_Program=TRUE,ExpRatio_Excluded,\"\")","v":""}]
[-17,"Projected Federal Income Tax Rate on Investment Income","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,FIT_Inv,\"\")","v":""},{"$f":"IF(New_Program=TRUE,FIT_Inv,\"\")","v":""}]
[-18,"Projected Yield","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,Yield,\"\")","v":""},{"$f":"IF(New_Program=TRUE,Yield,\"\")","v":""}]
[]
[null,"Complete Lines 19 and 20 if a Request for Variance (1A, 1B, 2A, 2B, 2C or 4) accompanies this filing (see instructions)."]
[]
[-19,"Change to Efficiency Standard3","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$39)=FALSE,'1.General'!$I$47=2),\"← ERROR! No efficiency standard variance will be applied unless 'Y' is selected in pull-down menu on Page '1.General'.\",\"\")","v":""}]
[-20,"Most Recent Year Total Expense Ratio (excluding DCCE)4","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF('1.General'!$I$47=2,\"\",IF(AND(ExpRatio_Actual07<=EffStd_Wtd07,EffStd_VarReq07>0),\"← ERROR: Based on insurer's stated most recent year expense ratio, no relief from efficiency standard variances is allowed.  Insurer's stated most recent year expense ratio is already less than or equal to the efficiency standard.\",IF(AND(ROUND(EffStd_Wtd07+EffStd_VarReq07,3)>ExpRatio_Actual07,EffStd_VarReq07>0),\"← ERROR! Assuming the calculation of the insurer's most recent year expense ratio is justified, relief from the efficiency standard will be limited to the difference between that ratio and the efficiency standard, or, \"&ROUND(ExpRatio_Actual07-EffStd_Wtd07,3)*100&\"%, subject to CDI approval.\",\"\")))","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Earthquake and certain Medical Malpractice with Reinsurance Only (see instructions)."]
[]
[-19,"Direct Commission Rate",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$44),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter direct commission rate.\",\"\")","v":""}]
[-20,"Reinsurance Premium","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$45),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[-21,"Reinsurance Recoverable","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$46),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Qualifying Residential and Commercial Property Lines with Reinsurance Only (see instructions)."]
[]
[-19,"Commission Rate",null,null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
[-20,"Variable Expense Factor",null,null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
[-21,"Standard NCOR per Exposure","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$52),NCOR=TRUE),\"← ERROR! Enter the standard NCOR per exposure.\",\"\")","v":""}]
["1  The Projected column should reflect the annual trend expressed as a percentage for premium, loss and DCCE trends, and credibility."]
["2  Refer to Section III.C. of the Prior Approval Rate Filing Instructions for New Program requirements."]
["3  Applicable if any of Variance 1A, 1B, 2A, 2B, 2C or 4 (or any combination thereof) is being requested.  Subject to CDI approval."]
["4  Refer to CCR §2644.27 (h)."]
[null,null,null,null,null,null,null,"Go to 7.7Rate Change Calculation"]

{"sheet":"6.8Ratemaking Data","index":17,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[56,7,56,10]]}
["State of California",null,null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Ratemaking Data Input Page to the Left"]
["Department of Insurance (CDI)",null,null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["RATEMAKING DATA"]
[]
[null,"Completed by:",null,null,null,null,{"$f":"Completed_By","v":""},null,null,"Variance #(s):"]
[null,"Date Completed:",null,null,null,null,{"$f":"Completed_Date","v":""}]
[]
[null,"Detailed Line Description:",null,null,null,null,{"$f":"Detailed_LineDesc08","v":""}]
[null,"Coverage:",null,null,null,null,{"$f":"Covg08","v":""}]
[]
["Line","Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending","Projected1","New Program2"]
["(0)","Year",null,{"$f":"LEFT(MstRcntDataYr,4)-5&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-4&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-3&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-2&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-1&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"MstRcntDataYr","v":0}]
[-1,"California Direct Written Premium",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$15)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-2,"California Direct Earned Premium",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($K$15),\"\",$K$15)","v":""},null,{"$f":"IF(AND(New_Program=TRUE,$K$16<>$K$15),\"← ERROR! For New Programs, Earned Premium must equal Written Premium. Refer to Section III.C. of Prior Approval Rate Filing Instructions.\",\"\")","v":""}]
[-3,"Premium Adjustment Factor","Exh 4"]
[-4,"Premium Trend Factor1","Exh 5",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$18)),\"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column.\",\"\")","v":"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column."}]
[-5,"Miscellaneous Fees and Flat Charges","Exh 6",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$19)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-6,"Earned Exposure Units",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$20)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-7,"Historic Losses",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$21)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-8,"Historic Defense and Cost Containment Expense (DCCE)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$22)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-9,"Loss Development Factor","Exh 7"]
[-10,"DCCE Development Factor","Exh 7"]
[-11,"Loss Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$25)),\"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column"}]
[-12,"DCCE Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$26)),\"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column"}]
[-13,"Catastrophe Adjustment Factor","Exh 9"]
[-14,"Experience Credibility","Exh 10"]
[-15,"Ancillary Income","Exh 11",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$29)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[null,null,null,{"$f":"IF(COUNTBLANK(D15:D27)+COUNTBLANK(D29)=14,1,IF(COUNT(D15:D27)+COUNT(D29)=14,1,\"D \"))","v":1},{"$f":"IF(COUNTBLANK(E15:E27)+COUNTBLANK(E29)=14,1,IF(COUNT(E15:E27)+COUNT(E29)=14,1,\"E \"))","v":1},{"$f":"IF(COUNTBLANK(F15:F27)+COUNTBLANK(F29)=14,1,IF(COUNT(F15:F27)+COUNT(F29)=14,1,\"F \"))","v":1},{"$f":"IF(COUNTBLANK(G15:G27)+COUNTBLANK(G29)=14,1,IF(COUNT(G15:G27)+COUNT(G29)=14,1,\"G \"))","v":1},{"$f":"IF(COUNTBLANK(H15:H27)+COUNTBLANK(H29)=14,1,IF(COUNT(H15:H27)+COUNT(H29)=14,1,\"H \"))","v":1},{"$f":"IF(COUNTBLANK(I15:I27)+COUNTBLANK(I29)=14,1,IF(COUNT(I15:I27)+COUNT(I29)=14,1,\"I \"))","v":1},{"$f":"IF(COUNTBLANK(J15:J29)=15,1,IF(COUNT(J18,J25,J26,J28)=4,1,\"J \"))","v":1},{"$f":"IF(COUNTBLANK(K15)+COUNTBLANK(K17:K29)=14,1,IF(COUNT(K15,K19,K20,K21,K22,K29)=6,1,\"K \"))","v":1}]
[null,"Lines 16-18 link directly to pages 3 and 4 of the rate template.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program,IF(K30=1,\"\",\"← WARNING! Column K contains blank input cell(s). Please enter numeric values into these cell(s).\"),IF(SUM(D30:J30)=7,\"\",\"← WARNING! Column(s) \"&SUBSTITUTE(TRIM(SUBSTITUTE(CONCATENATE(D30,E30,F30,G30,H30,I30,J30),1,\"\")),\" \",\", \")&\" contain blank input cell(s). Please enter numeric values into these cell(s).\"))","v":""}]
[]
[-16,"Excluded Expense Ratio","Pg 4.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,ExpRatio_Excluded,\"\")","v":0},{"$f":"IF(New_Program=TRUE,ExpRatio_Excluded,\"\")","v":""}]
[-17,"Projected Federal Income Tax Rate on Investment Income","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,FIT_Inv,\"\")","v":""},{"$f":"IF(New_Program=TRUE,FIT_Inv,\"\")","v":""}]
[-18,"Projected Yield","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,Yield,\"\")","v":""},{"$f":"IF(New_Program=TRUE,Yield,\"\")","v":""}]
[]
[null,"Complete Lines 19 and 20 if a Request for Variance (1A, 1B, 2A, 2B, 2C or 4) accompanies this filing (see instructions)."]
[]
[-19,"Change to Efficiency Standard3","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$39)=FALSE,'1.General'!$I$47=2),\"← ERROR! No efficiency standard variance will be applied unless 'Y' is selected in pull-down menu on Page '1.General'.\",\"\")","v":""}]
[-20,"Most Recent Year Total Expense Ratio (excluding DCCE)4","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF('1.General'!$I$47=2,\"\",IF(AND(ExpRatio_Actual08<=EffStd_Wtd08,EffStd_VarReq08>0),\"← ERROR: Based on insurer's stated most recent year expense ratio, no relief from efficiency standard variances is allowed.  Insurer's stated most recent year expense ratio is already less than or equal to the efficiency standard.\",IF(AND(ROUND(EffStd_Wtd08+EffStd_VarReq08,3)>ExpRatio_Actual08,EffStd_VarReq08>0),\"← ERROR! Assuming the calculation of the insurer's most recent year expense ratio is justified, relief from the efficiency standard will be limited to the difference between that ratio and the efficiency standard, or, \"&ROUND(ExpRatio_Actual08-EffStd_Wtd08,3)*100&\"%, subject to CDI approval.\",\"\")))","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Earthquake and certain Medical Malpractice with Reinsurance Only (see instructions)."]
[]
[-19,"Direct Commission Rate",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$44),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter direct commission rate.\",\"\")","v":""}]
[-20,"Reinsurance Premium","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$45),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[-21,"Reinsurance Recoverable","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$46),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Qualifying Residential and Commercial Property Lines with Reinsurance Only (see instructions)."]
[]
[-19,"Commission Rate",null,null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
[-20,"Variable Expense Factor",null,null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
[-21,"Standard NCOR per Exposure","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$52),NCOR=TRUE),\"← ERROR! Enter the standard NCOR per exposure.\",\"\")","v":""}]
["1  The Projected column should reflect the annual trend expressed as a percentage for premium, loss and DCCE trends, and credibility."]
["2  Refer to Section III.C. of the Prior Approval Rate Filing Instructions for New Program requirements."]
["3  Applicable if any of Variance 1A, 1B, 2A, 2B, 2C or 4 (or any combination thereof) is being requested.  Subject to CDI approval."]
["4  Refer to CCR §2644.27 (h)."]
[null,null,null,null,null,null,null,"Go to 7.8Rate Change Calculation"]

{"sheet":"6.9Ratemaking Data","index":18,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[56,7,56,10]]}
["State of California",null,null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Ratemaking Data Input Page to the Left"]
["Department of Insurance (CDI)",null,null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["RATEMAKING DATA"]
[]
[null,"Completed by:",null,null,null,null,{"$f":"Completed_By","v":""},null,null,"Variance #(s):"]
[null,"Date Completed:",null,null,null,null,{"$f":"Completed_Date","v":""}]
[]
[null,"Detailed Line Description:",null,null,null,null,{"$f":"Detailed_LineDesc09","v":""}]
[null,"Coverage:",null,null,null,null,{"$f":"Covg09","v":""}]
[]
["Line","Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending","Projected1","New Program2"]
["(0)","Year",null,{"$f":"LEFT(MstRcntDataYr,4)-5&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-4&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-3&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-2&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-1&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"MstRcntDataYr","v":0}]
[-1,"California Direct Written Premium",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$15)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-2,"California Direct Earned Premium",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($K$15),\"\",$K$15)","v":""},null,{"$f":"IF(AND(New_Program=TRUE,$K$16<>$K$15),\"← ERROR! For New Programs, Earned Premium must equal Written Premium. Refer to Section III.C. of Prior Approval Rate Filing Instructions.\",\"\")","v":""}]
[-3,"Premium Adjustment Factor","Exh 4"]
[-4,"Premium Trend Factor1","Exh 5",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$18)),\"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column.\",\"\")","v":"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column."}]
[-5,"Miscellaneous Fees and Flat Charges","Exh 6",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$19)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-6,"Earned Exposure Units",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$20)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-7,"Historic Losses",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$21)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-8,"Historic Defense and Cost Containment Expense (DCCE)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$22)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-9,"Loss Development Factor","Exh 7"]
[-10,"DCCE Development Factor","Exh 7"]
[-11,"Loss Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$25)),\"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column"}]
[-12,"DCCE Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$26)),\"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column"}]
[-13,"Catastrophe Adjustment Factor","Exh 9"]
[-14,"Experience Credibility","Exh 10"]
[-15,"Ancillary Income","Exh 11",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$29)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[null,null,null,{"$f":"IF(COUNTBLANK(D15:D27)+COUNTBLANK(D29)=14,1,IF(COUNT(D15:D27)+COUNT(D29)=14,1,\"D \"))","v":1},{"$f":"IF(COUNTBLANK(E15:E27)+COUNTBLANK(E29)=14,1,IF(COUNT(E15:E27)+COUNT(E29)=14,1,\"E \"))","v":1},{"$f":"IF(COUNTBLANK(F15:F27)+COUNTBLANK(F29)=14,1,IF(COUNT(F15:F27)+COUNT(F29)=14,1,\"F \"))","v":1},{"$f":"IF(COUNTBLANK(G15:G27)+COUNTBLANK(G29)=14,1,IF(COUNT(G15:G27)+COUNT(G29)=14,1,\"G \"))","v":1},{"$f":"IF(COUNTBLANK(H15:H27)+COUNTBLANK(H29)=14,1,IF(COUNT(H15:H27)+COUNT(H29)=14,1,\"H \"))","v":1},{"$f":"IF(COUNTBLANK(I15:I27)+COUNTBLANK(I29)=14,1,IF(COUNT(I15:I27)+COUNT(I29)=14,1,\"I \"))","v":1},{"$f":"IF(COUNTBLANK(J15:J29)=15,1,IF(COUNT(J18,J25,J26,J28)=4,1,\"J \"))","v":1},{"$f":"IF(COUNTBLANK(K15)+COUNTBLANK(K17:K29)=14,1,IF(COUNT(K15,K19,K20,K21,K22,K29)=6,1,\"K \"))","v":1}]
[null,"Lines 16-18 link directly to pages 3 and 4 of the rate template.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program,IF(K30=1,\"\",\"← WARNING! Column K contains blank input cell(s). Please enter numeric values into these cell(s).\"),IF(SUM(D30:J30)=7,\"\",\"← WARNING! Column(s) \"&SUBSTITUTE(TRIM(SUBSTITUTE(CONCATENATE(D30,E30,F30,G30,H30,I30,J30),1,\"\")),\" \",\", \")&\" contain blank input cell(s). Please enter numeric values into these cell(s).\"))","v":""}]
[]
[-16,"Excluded Expense Ratio","Pg 4.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,ExpRatio_Excluded,\"\")","v":0},{"$f":"IF(New_Program=TRUE,ExpRatio_Excluded,\"\")","v":""}]
[-17,"Projected Federal Income Tax Rate on Investment Income","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,FIT_Inv,\"\")","v":""},{"$f":"IF(New_Program=TRUE,FIT_Inv,\"\")","v":""}]
[-18,"Projected Yield","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,Yield,\"\")","v":""},{"$f":"IF(New_Program=TRUE,Yield,\"\")","v":""}]
[]
[null,"Complete Lines 19 and 20 if a Request for Variance (1A, 1B, 2A, 2B, 2C or 4) accompanies this filing (see instructions)."]
[]
[-19,"Change to Efficiency Standard3","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$39)=FALSE,'1.General'!$I$47=2),\"← ERROR! No efficiency standard variance will be applied unless 'Y' is selected in pull-down menu on Page '1.General'.\",\"\")","v":""}]
[-20,"Most Recent Year Total Expense Ratio (excluding DCCE)4","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF('1.General'!$I$47=2,\"\",IF(AND(ExpRatio_Actual09<=EffStd_Wtd09,EffStd_VarReq09>0),\"← ERROR: Based on insurer's stated most recent year expense ratio, no relief from efficiency standard variances is allowed.  Insurer's stated most recent year expense ratio is already less than or equal to the efficiency standard.\",IF(AND(ROUND(EffStd_Wtd09+EffStd_VarReq09,3)>ExpRatio_Actual09,EffStd_VarReq09>0),\"← ERROR! Assuming the calculation of the insurer's most recent year expense ratio is justified, relief from the efficiency standard will be limited to the difference between that ratio and the efficiency standard, or, \"&ROUND(ExpRatio_Actual09-EffStd_Wtd09,3)*100&\"%, subject to CDI approval.\",\"\")))","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Earthquake and certain Medical Malpractice with Reinsurance Only (see instructions)."]
[]
[-19,"Direct Commission Rate",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$44),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter direct commission rate.\",\"\")","v":""}]
[-20,"Reinsurance Premium","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$45),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[-21,"Reinsurance Recoverable","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$46),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Qualifying Residential and Commercial Property Lines with Reinsurance Only (see instructions)."]
[]
[-19,"Commission Rate",null,null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
[-20,"Variable Expense Factor",null,null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
[-21,"Standard NCOR per Exposure","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$52),NCOR=TRUE),\"← ERROR! Enter the standard NCOR per exposure.\",\"\")","v":""}]
["1  The Projected column should reflect the annual trend expressed as a percentage for premium, loss and DCCE trends, and credibility."]
["2  Refer to Section III.C. of the Prior Approval Rate Filing Instructions for New Program requirements."]
["3  Applicable if any of Variance 1A, 1B, 2A, 2B, 2C or 4 (or any combination thereof) is being requested.  Subject to CDI approval."]
["4  Refer to CCR §2644.27 (h)."]
[null,null,null,null,null,null,null,"Go to 7.9Rate Change Calculation"]

{"sheet":"6.10Ratemaking Data","index":19,"n_rows":57,"n_cols":13,"rows_kept":57,"cut":false,"hidden":true,"merged":[[56,7,56,10]]}
["State of California",null,null,null,null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with Ratemaking Data Input Page to the Left"]
["Department of Insurance (CDI)",null,null,null,null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["RATEMAKING DATA"]
[]
[null,"Completed by:",null,null,null,null,{"$f":"Completed_By","v":""},null,null,"Variance #(s):"]
[null,"Date Completed:",null,null,null,null,{"$f":"Completed_Date","v":""}]
[]
[null,"Detailed Line Description:",null,null,null,null,{"$f":"Detailed_LineDesc10","v":""}]
[null,"Coverage:",null,null,null,null,{"$f":"Covg10","v":""}]
[]
["Line","Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending","Projected1","New Program2"]
["(0)","Year",null,{"$f":"LEFT(MstRcntDataYr,4)-5&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-4&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-3&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-2&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"LEFT(MstRcntDataYr,4)-1&RIGHT(MstRcntDataYr,1)","v":{"$error":"#VALUE!"}},{"$f":"MstRcntDataYr","v":0}]
[-1,"California Direct Written Premium",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$15)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-2,"California Direct Earned Premium",null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($K$15),\"\",$K$15)","v":""},null,{"$f":"IF(AND(New_Program=TRUE,$K$16<>$K$15),\"← ERROR! For New Programs, Earned Premium must equal Written Premium. Refer to Section III.C. of Prior Approval Rate Filing Instructions.\",\"\")","v":""}]
[-3,"Premium Adjustment Factor","Exh 4"]
[-4,"Premium Trend Factor1","Exh 5",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$18)),\"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column.\",\"\")","v":"← ERROR! Enter Annual Premium Trend as a percentage in the 'Projected' column."}]
[-5,"Miscellaneous Fees and Flat Charges","Exh 6",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$19)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-6,"Earned Exposure Units",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$20)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-7,"Historic Losses",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$21)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-8,"Historic Defense and Cost Containment Expense (DCCE)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$22)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[-9,"Loss Development Factor","Exh 7"]
[-10,"DCCE Development Factor","Exh 7"]
[-11,"Loss Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$25)),\"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual Loss Trend as a percentage in the 'Projected' column"}]
[-12,"DCCE Trend Factor1","Exh 8",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=FALSE,ISBLANK($J$26)),\"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column\",\"\")","v":"← ERROR! Enter Annual DCCE Trend as a percentage in the 'Projected' column"}]
[-13,"Catastrophe Adjustment Factor","Exh 9"]
[-14,"Experience Credibility","Exh 10"]
[-15,"Ancillary Income","Exh 11",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$29)),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '1.General'.\",\"\")","v":""}]
[null,null,null,{"$f":"IF(COUNTBLANK(D15:D27)+COUNTBLANK(D29)=14,1,IF(COUNT(D15:D27)+COUNT(D29)=14,1,\"D \"))","v":1},{"$f":"IF(COUNTBLANK(E15:E27)+COUNTBLANK(E29)=14,1,IF(COUNT(E15:E27)+COUNT(E29)=14,1,\"E \"))","v":1},{"$f":"IF(COUNTBLANK(F15:F27)+COUNTBLANK(F29)=14,1,IF(COUNT(F15:F27)+COUNT(F29)=14,1,\"F \"))","v":1},{"$f":"IF(COUNTBLANK(G15:G27)+COUNTBLANK(G29)=14,1,IF(COUNT(G15:G27)+COUNT(G29)=14,1,\"G \"))","v":1},{"$f":"IF(COUNTBLANK(H15:H27)+COUNTBLANK(H29)=14,1,IF(COUNT(H15:H27)+COUNT(H29)=14,1,\"H \"))","v":1},{"$f":"IF(COUNTBLANK(I15:I27)+COUNTBLANK(I29)=14,1,IF(COUNT(I15:I27)+COUNT(I29)=14,1,\"I \"))","v":1},{"$f":"IF(COUNTBLANK(J15:J29)=15,1,IF(COUNT(J18,J25,J26,J28)=4,1,\"J \"))","v":1},{"$f":"IF(COUNTBLANK(K15)+COUNTBLANK(K17:K29)=14,1,IF(COUNT(K15,K19,K20,K21,K22,K29)=6,1,\"K \"))","v":1}]
[null,"Lines 16-18 link directly to pages 3 and 4 of the rate template.",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(New_Program,IF(K30=1,\"\",\"← WARNING! Column K contains blank input cell(s). Please enter numeric values into these cell(s).\"),IF(SUM(D30:J30)=7,\"\",\"← WARNING! Column(s) \"&SUBSTITUTE(TRIM(SUBSTITUTE(CONCATENATE(D30,E30,F30,G30,H30,I30,J30),1,\"\")),\" \",\", \")&\" contain blank input cell(s). Please enter numeric values into these cell(s).\"))","v":""}]
[]
[-16,"Excluded Expense Ratio","Pg 4.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,ExpRatio_Excluded,\"\")","v":0},{"$f":"IF(New_Program=TRUE,ExpRatio_Excluded,\"\")","v":""}]
[-17,"Projected Federal Income Tax Rate on Investment Income","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,FIT_Inv,\"\")","v":""},{"$f":"IF(New_Program=TRUE,FIT_Inv,\"\")","v":""}]
[-18,"Projected Yield","Pg 3.2",null,null,null,null,null,null,{"$f":"IF(New_Program=FALSE,Yield,\"\")","v":""},{"$f":"IF(New_Program=TRUE,Yield,\"\")","v":""}]
[]
[null,"Complete Lines 19 and 20 if a Request for Variance (1A, 1B, 2A, 2B, 2C or 4) accompanies this filing (see instructions)."]
[]
[-19,"Change to Efficiency Standard3","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$39)=FALSE,'1.General'!$I$47=2),\"← ERROR! No efficiency standard variance will be applied unless 'Y' is selected in pull-down menu on Page '1.General'.\",\"\")","v":""}]
[-20,"Most Recent Year Total Expense Ratio (excluding DCCE)4","Exh 13",null,null,null,null,null,null,null,null,null,{"$f":"IF('1.General'!$I$47=2,\"\",IF(AND(ExpRatio_Actual10<=EffStd_Wtd10,EffStd_VarReq10>0),\"← ERROR: Based on insurer's stated most recent year expense ratio, no relief from efficiency standard variances is allowed.  Insurer's stated most recent year expense ratio is already less than or equal to the efficiency standard.\",IF(AND(ROUND(EffStd_Wtd10+EffStd_VarReq10,3)>ExpRatio_Actual10,EffStd_VarReq10>0),\"← ERROR! Assuming the calculation of the insurer's most recent year expense ratio is justified, relief from the efficiency standard will be limited to the difference between that ratio and the efficiency standard, or, \"&ROUND(ExpRatio_Actual10-EffStd_Wtd10,3)*100&\"%, subject to CDI approval.\",\"\")))","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Earthquake and certain Medical Malpractice with Reinsurance Only (see instructions)."]
[]
[-19,"Direct Commission Rate",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$44),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter direct commission rate.\",\"\")","v":""}]
[-20,"Reinsurance Premium","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$45),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[-21,"Reinsurance Recoverable","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(New_Program=TRUE,ISBLANK($K$46),OR(General_Line=\"Medical Malpractice\",General_Line=\"Earthquake\")),\"← ERROR! Enter projected figure for new program, or deselect 'New Program' on Page '3.Filing Type' of the Prior Approval Rate Application.\",\"\")","v":""}]
[]
[null,"Complete Lines 19, 20 & 21 for Qualifying Residential and Commercial Property Lines with Reinsurance Only (see instructions)."]
[]
[-19,"Commission Rate",null,null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
[-20,"Variable Expense Factor",null,null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
[-21,"Standard NCOR per Exposure","Exh 12",null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK($J$52),NCOR=TRUE),\"← ERROR! Enter the standard NCOR per exposure.\",\"\")","v":""}]
["1  The Projected column should reflect the annual trend expressed as a percentage for premium, loss and DCCE trends, and credibility."]
["2  Refer to Section III.C. of the Prior Approval Rate Filing Instructions for New Program requirements."]
["3  Applicable if any of Variance 1A, 1B, 2A, 2B, 2C or 4 (or any combination thereof) is being requested.  Subject to CDI approval."]
["4  Refer to CCR §2644.27 (h)."]
[null,null,null,null,null,null,null,"Go to 7.10Rate Change Calculation"]

{"sheet":"7.1Rate Change Calculation","index":20,"n_rows":87,"n_cols":9,"rows_kept":87,"cut":false,"hidden":true,"merged":[[86,5,86,7]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[{"$f":"IF('6.1Ratemaking Data'!$K$7=\"\",\"VARIANCE - NONE\",\"VARIANCE \"&'6.1Ratemaking Data'!$K$7)","v":"VARIANCE - NONE"}]
["RATE CHANGE CALCULATION"]
[]
["Completed by:",null,null,null,null,null,null,{"$f":"Completed_By","v":""}]
["Date Completed:",null,null,null,null,null,null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Prior01","v":""}]
["Proposed Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Proposed","v":""}]
["Detailed Line Description:",null,null,null,null,null,null,{"$f":"Detailed_LineDesc01","v":""}]
["Coverage:",null,null,null,null,null,null,{"$f":"Covg01","v":""}]
[]
[]
["Data Provided by Filer",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0},"Projected"]
["Prem_Written",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D15),\"\",'6.1Ratemaking Data'!D15)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E15),\"\",'6.1Ratemaking Data'!E15)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F15),\"\",'6.1Ratemaking Data'!F15)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G15),\"\",'6.1Ratemaking Data'!G15)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H15),\"\",'6.1Ratemaking Data'!H15)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I15),\"\",'6.1Ratemaking Data'!I15)","v":""},{"$f":"IF(New_Program=TRUE,'6.1Ratemaking Data'!$K$15,SUM($B16:$G16))","v":0}]
["Prem_Earned",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D16),\"\",'6.1Ratemaking Data'!D16)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E16),\"\",'6.1Ratemaking Data'!E16)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F16),\"\",'6.1Ratemaking Data'!F16)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G16),\"\",'6.1Ratemaking Data'!G16)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H16),\"\",'6.1Ratemaking Data'!H16)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I16),\"\",'6.1Ratemaking Data'!I16)","v":""},{"$f":"IF(New_Program=TRUE,'6.1Ratemaking Data'!$K$16,SUM($B17:$G17))","v":0}]
["Prem_Adj",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D17),\"\",'6.1Ratemaking Data'!D17)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E17),\"\",'6.1Ratemaking Data'!E17)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F17),\"\",'6.1Ratemaking Data'!F17)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G17),\"\",'6.1Ratemaking Data'!G17)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H17),\"\",'6.1Ratemaking Data'!H17)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I17),\"\",'6.1Ratemaking Data'!I17)","v":""}]
["Prem_Trend",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D18),\"\",'6.1Ratemaking Data'!D18)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E18),\"\",'6.1Ratemaking Data'!E18)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F18),\"\",'6.1Ratemaking Data'!F18)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G18),\"\",'6.1Ratemaking Data'!G18)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H18),\"\",'6.1Ratemaking Data'!H18)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I18),\"\",'6.1Ratemaking Data'!I18)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.1Ratemaking Data'!$J$18)","v":0}]
["Misc_Fees",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D19),\"\",'6.1Ratemaking Data'!D19)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E19),\"\",'6.1Ratemaking Data'!E19)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F19),\"\",'6.1Ratemaking Data'!F19)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G19),\"\",'6.1Ratemaking Data'!G19)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H19),\"\",'6.1Ratemaking Data'!H19)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I19),\"\",'6.1Ratemaking Data'!I19)","v":""},{"$f":"IF(New_Program=TRUE,'6.1Ratemaking Data'!$K$19,SUM($B20:$G20))","v":0}]
["Exposures_Earned",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D20),\"\",'6.1Ratemaking Data'!D20)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E20),\"\",'6.1Ratemaking Data'!E20)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F20),\"\",'6.1Ratemaking Data'!F20)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G20),\"\",'6.1Ratemaking Data'!G20)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H20),\"\",'6.1Ratemaking Data'!H20)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I20),\"\",'6.1Ratemaking Data'!I20)","v":""},{"$f":"IF(New_Program=TRUE,'6.1Ratemaking Data'!$K$20,SUM($B21:$G21))","v":0}]
["Losses",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D21),\"\",'6.1Ratemaking Data'!D21)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E21),\"\",'6.1Ratemaking Data'!E21)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F21),\"\",'6.1Ratemaking Data'!F21)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G21),\"\",'6.1Ratemaking Data'!G21)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H21),\"\",'6.1Ratemaking Data'!H21)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I21),\"\",'6.1Ratemaking Data'!I21)","v":""},{"$f":"IF(New_Program=TRUE,'6.1Ratemaking Data'!$K$21,SUM($B22:$G22))","v":0}]
["DCCE",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D22),\"\",'6.1Ratemaking Data'!D22)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E22),\"\",'6.1Ratemaking Data'!E22)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F22),\"\",'6.1Ratemaking Data'!F22)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G22),\"\",'6.1Ratemaking Data'!G22)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H22),\"\",'6.1Ratemaking Data'!H22)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I22),\"\",'6.1Ratemaking Data'!I22)","v":""},{"$f":"IF(New_Program=TRUE,'6.1Ratemaking Data'!$K$22,SUM($B23:$G23))","v":0}]
["Loss_Devt",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D23),\"\",'6.1Ratemaking Data'!D23)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E23),\"\",'6.1Ratemaking Data'!E23)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F23),\"\",'6.1Ratemaking Data'!F23)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G23),\"\",'6.1Ratemaking Data'!G23)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H23),\"\",'6.1Ratemaking Data'!H23)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I23),\"\",'6.1Ratemaking Data'!I23)","v":""}]
["DCCE_Devt",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D24),\"\",'6.1Ratemaking Data'!D24)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E24),\"\",'6.1Ratemaking Data'!E24)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F24),\"\",'6.1Ratemaking Data'!F24)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G24),\"\",'6.1Ratemaking Data'!G24)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H24),\"\",'6.1Ratemaking Data'!H24)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I24),\"\",'6.1Ratemaking Data'!I24)","v":""}]
["Loss_Trend",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D25),\"\",'6.1Ratemaking Data'!D25)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E25),\"\",'6.1Ratemaking Data'!E25)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F25),\"\",'6.1Ratemaking Data'!F25)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G25),\"\",'6.1Ratemaking Data'!G25)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H25),\"\",'6.1Ratemaking Data'!H25)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I25),\"\",'6.1Ratemaking Data'!I25)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.1Ratemaking Data'!$J$25)","v":0}]
["DCCE_Trend",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D26),\"\",'6.1Ratemaking Data'!D26)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E26),\"\",'6.1Ratemaking Data'!E26)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F26),\"\",'6.1Ratemaking Data'!F26)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G26),\"\",'6.1Ratemaking Data'!G26)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H26),\"\",'6.1Ratemaking Data'!H26)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I26),\"\",'6.1Ratemaking Data'!I26)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.1Ratemaking Data'!$J$26)","v":0}]
["CAT_Adj",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D27),\"\",'6.1Ratemaking Data'!D27)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E27),\"\",'6.1Ratemaking Data'!E27)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F27),\"\",'6.1Ratemaking Data'!F27)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G27),\"\",'6.1Ratemaking Data'!G27)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H27),\"\",'6.1Ratemaking Data'!H27)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I27),\"\",'6.1Ratemaking Data'!I27)","v":""}]
["Anc_Income",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D29),\"\",'6.1Ratemaking Data'!D29)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E29),\"\",'6.1Ratemaking Data'!E29)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F29),\"\",'6.1Ratemaking Data'!F29)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G29),\"\",'6.1Ratemaking Data'!G29)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H29),\"\",'6.1Ratemaking Data'!H29)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I29),\"\",'6.1Ratemaking Data'!I29)","v":""},{"$f":"IF(New_Program=TRUE,'6.1Ratemaking Data'!$K$29,SUM($B29:$G29))","v":0}]
["Credibility",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,100%,'6.1Ratemaking Data'!$J$28)","v":0}]
["ExpRatio_Excluded",null,null,null,null,null,null,{"$f":"ExpRatio_Excluded","v":0}]
["FIT_Inv",null,null,null,null,null,null,{"$f":"FIT_Inv","v":""}]
["Yield",null,null,null,null,null,null,{"$f":"Yield","v":""}]
[]
["CDI Parameters"]
["FIT_UW",null,null,null,null,null,null,{"$f":"FIT_UW","v":0.21}]
["EffStd_Final",null,null,null,null,"Data as of:",{"$f":"update_effstd","v":2023},{"$f":"EffStd_Final01","v":""}]
["LevFact_Final",null,null,null,null,"Data as of:",{"$f":"update_leverage","v":2023},{"$f":"LevFact_Final01","v":""}]
["PremTaxRate",null,null,null,null,null,null,{"$f":"PremTaxRate","v":2.35E-2}]
["SurplusRatio",null,null,null,null,null,null,{"$f":"1/LevFact_Final01","v":{"$error":"#VALUE!"}}]
["ResRatio_UPR",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_UPR01","v":""}]
["ResRatio_Loss",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_Loss01","v":""}]
["ROR_RiskFree",null,null,null,null,"Data as of:",{"$f":"ROR_RiskFree_Date","v":"April 2025"},{"$f":"ROR_RiskFree","v":4.3800000000000006E-2},"Note: The latest ROR information can be found in the CDI Parameters tab. "]
["ROR_Min",null,null,null,null,null,null,{"$f":"ROR_Min","v":-0.06}]
["ROR_Max",null,null,null,null,null,null,{"$f":"ROR_Max","v":0.1038}]
[]
["Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["Prem_Adjusted",{"$f":"IF(ISERROR(Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees),\"\",Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,(Prem_Earned+Misc_Fees),SUM($B48:$G48))","v":0}]
["Losses_Adjusted",{"$f":"IF(ISERROR(Losses*Loss_Devt*CAT_Adj*Loss_Trend),\"\",Losses*Loss_Devt*CAT_Adj*Loss_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,Losses,SUM($B49:$G49))","v":0}]
["DCCE_Adjusted",{"$f":"IF(ISERROR(DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend),\"\",DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,DCCE,SUM($B50:$G50))","v":0}]
["LossDCCERatio_Adjusted",{"$f":"IF(ISERROR((B49+B50)/B48),\"\",(B49+B50)/B48)","v":""},"","","","","",""]
["TCRLP_perExp",{"$f":"IF(ISERROR(Prem_Adjusted/Exposures_Earned),\"\",Prem_Adjusted/Exposures_Earned)","v":""},"","","","","",""]
["LossDCCE_perExp",{"$f":"IF(ISERROR((Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned),\"\",(Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned)","v":""},"","","","","",""]
["CompLossDCCE_perExp",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed))","v":""},"","","","","",""]
["CredLoss_perExp",{"$f":"IF(ISERROR(Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp),\"\",Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp)","v":""},"","","","","",""]
["Anc_Inc_perExp",{"$f":"IF(ISERROR(Anc_Income/Exposures_Earned),\"\",Anc_Income/Exposures_Earned)","v":""},"","","","","",""]
["InvInc_Fixed",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*ResRatio_Loss01","v":{"$error":"#VALUE!"}}]
["InvInc_Variable",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*(ResRatio_UPR01+SurplusRatio)","v":{"$error":"#VALUE!"}}]
["Net_AnnualTrend",null,null,null,null,null,null,{"$f":"(1+Loss_AnnualTrend)/(1+Prem_AnnualTrend)-1","v":0}]
["Comp_Trend",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,0,(1+Net_AnnualTrend)^MIN(4,((EffDate_Proposed-EffDate_Prior01)/365.25))-1)","v":{"$error":"#VALUE!"}}]
["Max_Profit",null,null,null,null,null,null,{"$f":"(ROR_Max)/(LevFact_Final01*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["Min_Profit",null,null,null,null,null,null,{"$f":"(ROR_Min)/(LevFact_Final01*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["UW_Profit",null,null,null,null,null,null,{"$f":"1-CredLossDCCE_perExp/Max_Premium-EffStd_Final01","v":{"$error":"#VALUE!"}}]
["Min_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final01-Min_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}}]
["Max_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final01-Max_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error35=\"\",Error36=\"\"),\"\",\"See Column H of Page '3.2YieldFIT' for errors that must be corrected.\")","v":"See Column H of Page '3.2YieldFIT' for errors that must be corrected."}]
["Min_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Min_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error38=\"\",\"\",\"See Column F of Page '4.2Excluded Exp' for errors that must be corrected.\")","v":"See Column F of Page '4.2Excluded Exp' for errors that must be corrected."}]
["Max_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error34=\"\",\"\",\"See Column I of Page '2.Summary' for errors that must be corrected.\")","v":"See Column I of Page '2.Summary' for errors that must be corrected."}]
["CHANGE_AT_MIN",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Min_Premium-Prem_Current)/Prem_Current,\"Error\")","v":"Error"},{"$f":"IF(AND(Error00=\"\",Error01=\"\",Error02=\"\",Error03=\"\",Error04=\"\",Error05=\"\",Error06=\"\",Error07=\"\",Error08=\"\",Error09=\"\",Error10=\"\",Error11=\"\",Error12=\"\",Error13=\"\",Error14=\"\",Error15=\"\",Error16=\"\",Error37=\"\"),\"\",\"See Column J of Page '1.General' for errors that must be corrected.\")","v":"See Column J of Page '1.General' for errors that must be corrected."}]
["CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Max_Premium-Prem_Current)/Prem_Current, \"Error\")","v":"Error"},{"$f":"IF(AND('6.1Ratemaking Data'!Error17=\"\",'6.1Ratemaking Data'!Error18=\"\",'6.1Ratemaking Data'!Error19=\"\",'6.1Ratemaking Data'!Error20=\"\",'6.1Ratemaking Data'!Error21=\"\",'6.1Ratemaking Data'!Error22=\"\",'6.1Ratemaking Data'!Error23=\"\",'6.1Ratemaking Data'!Error24=\"\",'6.1Ratemaking Data'!Error25=\"\",'6.1Ratemaking Data'!Error26=\"\",'6.1Ratemaking Data'!Error27=\"\",'6.1Ratemaking Data'!Error28=\"\",'6.1Ratemaking Data'!Error29=\"\"),\"\",\"See Column M of Page '6.1Ratemaking Data' for errors that must be corrected.\")","v":"See Column M of Page '6.1Ratemaking Data' for errors that must be corrected."}]
[]
["Reinsurance Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["Comm_Rate",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.1Ratemaking Data'!J44),\"\",'6.1Ratemaking Data'!J44)","v":""}]
["Rein_Prem",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D45),\"\",'6.1Ratemaking Data'!D45)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E45),\"\",'6.1Ratemaking Data'!E45)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F45),\"\",'6.1Ratemaking Data'!F45)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G45),\"\",'6.1Ratemaking Data'!G45)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H45),\"\",'6.1Ratemaking Data'!H45)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I45),\"\",'6.1Ratemaking Data'!I45)","v":""},{"$f":"IF(RIGHT(Detailed_LineCode01,1)=\"R\",IF(New_Program=TRUE,'6.1Ratemaking Data'!$K$45,SUM($B73:$G73)),\"\")","v":""}]
["Rein_Recov",{"$f":"IF(ISBLANK('6.1Ratemaking Data'!D46),\"\",'6.1Ratemaking Data'!D46)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!E46),\"\",'6.1Ratemaking Data'!E46)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!F46),\"\",'6.1Ratemaking Data'!F46)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!G46),\"\",'6.1Ratemaking Data'!G46)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!H46),\"\",'6.1Ratemaking Data'!H46)","v":""},{"$f":"IF(ISBLANK('6.1Ratemaking Data'!I46),\"\",'6.1Ratemaking Data'!I46)","v":""},{"$f":"IF(New_Program=TRUE,'6.1Ratemaking Data'!$K$46,SUM($B74:$G74))","v":0}]
["ReinPrem_perExp",{"$f":"IF(ISERROR(Rein_Prem/Exposures_Earned),\"\",Rein_Prem/Exposures_Earned)","v":""},"","","","","",""]
["ReinRec_perExp",{"$f":"IF(ISERROR(Rein_Recov/Exposures_Earned),\"\",Rein_Recov/Exposures_Earned)","v":""},"","","","","",""]
["CompLoss_Rein",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed))","v":""},"","","","","",""]
["ReinMax_Premium",null,null,null,null,null,null,{"$f":"IF(H73=0,NA(),((((Credibility*(LossDCCE_perExp-ReinRec_perExp))+(1-Credibility)*CompLoss_Rein)*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom)+ReinPrem_perExp/(1-Comm_Rate-PremTaxRate))","v":{"$error":"#VALUE!"}}]
["Rein_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I79=\"\",IF($H$73=0,NA(),(ReinMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND('6.1Ratemaking Data'!Error30=\"\",'6.1Ratemaking Data'!Error31=\"\",'6.1Ratemaking Data'!Error32=\"\"),\"\",\"See Column M of Page '6.1Ratemaking Data' for errors that must be corrected.\")","v":""}]
[]
["Standard NCOR Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["CommBrkRate_Wtd",null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
["ExpFact_Var",null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
["Std_NCOR_perExp",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.1Ratemaking Data'!J52),\"\",'6.1Ratemaking Data'!J52)","v":""}]
["NCORMax_Premium",null,null,null,null,null,null,{"$f":"IF(H84=0,NA(),Max_Premium+Std_NCOR_perExp/(1-ExpFact_Var))","v":{"$error":"#VALUE!"}}]
["NCOR_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I86=\"\",IF($H$85=0,NA(),(NCORMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error40=\"\",'6.1Ratemaking Data'!Error39=\"\"),\"\",\"See either Column M of Page '6.1Ratemaking Data' or '1.General' for errors that must be corrected.\")","v":""}]
[null,null,null,null,null,"Go to 6.1Ratemaking Data"]

{"sheet":"7.2Rate Change Calculation","index":21,"n_rows":87,"n_cols":9,"rows_kept":87,"cut":false,"hidden":true,"merged":[[86,5,86,7]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[{"$f":"IF('6.2Ratemaking Data'!$K$7=\"\",\"VARIANCE - NONE\",\"VARIANCE \"&'6.2Ratemaking Data'!$K$7)","v":"VARIANCE - NONE"}]
["RATE CHANGE CALCULATION"]
[]
["Completed by:",null,null,null,null,null,null,{"$f":"Completed_By","v":""}]
["Date Completed:",null,null,null,null,null,null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Prior02","v":""}]
["Proposed Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Proposed","v":""}]
["Detailed Line Description:",null,null,null,null,null,null,{"$f":"Detailed_LineDesc02","v":""}]
["Coverage:",null,null,null,null,null,null,{"$f":"Covg02","v":""}]
[]
[]
["Data Provided by Filer",{"$f":"'6.2Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!I$14","v":0},"Projected"]
["Prem_Written",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D15),\"\",'6.2Ratemaking Data'!D15)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E15),\"\",'6.2Ratemaking Data'!E15)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F15),\"\",'6.2Ratemaking Data'!F15)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G15),\"\",'6.2Ratemaking Data'!G15)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H15),\"\",'6.2Ratemaking Data'!H15)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I15),\"\",'6.2Ratemaking Data'!I15)","v":""},{"$f":"IF(New_Program=TRUE,'6.2Ratemaking Data'!$K$15,SUM($B16:$G16))","v":0}]
["Prem_Earned",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D16),\"\",'6.2Ratemaking Data'!D16)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E16),\"\",'6.2Ratemaking Data'!E16)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F16),\"\",'6.2Ratemaking Data'!F16)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G16),\"\",'6.2Ratemaking Data'!G16)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H16),\"\",'6.2Ratemaking Data'!H16)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I16),\"\",'6.2Ratemaking Data'!I16)","v":""},{"$f":"IF(New_Program=TRUE,'6.2Ratemaking Data'!$K$16,SUM($B17:$G17))","v":0}]
["Prem_Adj",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D17),\"\",'6.2Ratemaking Data'!D17)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E17),\"\",'6.2Ratemaking Data'!E17)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F17),\"\",'6.2Ratemaking Data'!F17)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G17),\"\",'6.2Ratemaking Data'!G17)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H17),\"\",'6.2Ratemaking Data'!H17)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I17),\"\",'6.2Ratemaking Data'!I17)","v":""}]
["Prem_Trend",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D18),\"\",'6.2Ratemaking Data'!D18)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E18),\"\",'6.2Ratemaking Data'!E18)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F18),\"\",'6.2Ratemaking Data'!F18)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G18),\"\",'6.2Ratemaking Data'!G18)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H18),\"\",'6.2Ratemaking Data'!H18)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I18),\"\",'6.2Ratemaking Data'!I18)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.2Ratemaking Data'!$J$18)","v":0}]
["Misc_Fees",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D19),\"\",'6.2Ratemaking Data'!D19)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E19),\"\",'6.2Ratemaking Data'!E19)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F19),\"\",'6.2Ratemaking Data'!F19)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G19),\"\",'6.2Ratemaking Data'!G19)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H19),\"\",'6.2Ratemaking Data'!H19)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I19),\"\",'6.2Ratemaking Data'!I19)","v":""},{"$f":"IF(New_Program=TRUE,'6.2Ratemaking Data'!$K$19,SUM($B20:$G20))","v":0}]
["Exposures_Earned",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D20),\"\",'6.2Ratemaking Data'!D20)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E20),\"\",'6.2Ratemaking Data'!E20)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F20),\"\",'6.2Ratemaking Data'!F20)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G20),\"\",'6.2Ratemaking Data'!G20)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H20),\"\",'6.2Ratemaking Data'!H20)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I20),\"\",'6.2Ratemaking Data'!I20)","v":""},{"$f":"IF(New_Program=TRUE,'6.2Ratemaking Data'!$K$20,SUM($B21:$G21))","v":0}]
["Losses",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D21),\"\",'6.2Ratemaking Data'!D21)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E21),\"\",'6.2Ratemaking Data'!E21)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F21),\"\",'6.2Ratemaking Data'!F21)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G21),\"\",'6.2Ratemaking Data'!G21)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H21),\"\",'6.2Ratemaking Data'!H21)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I21),\"\",'6.2Ratemaking Data'!I21)","v":""},{"$f":"IF(New_Program=TRUE,'6.2Ratemaking Data'!$K$21,SUM($B22:$G22))","v":0}]
["DCCE",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D22),\"\",'6.2Ratemaking Data'!D22)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E22),\"\",'6.2Ratemaking Data'!E22)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F22),\"\",'6.2Ratemaking Data'!F22)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G22),\"\",'6.2Ratemaking Data'!G22)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H22),\"\",'6.2Ratemaking Data'!H22)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I22),\"\",'6.2Ratemaking Data'!I22)","v":""},{"$f":"IF(New_Program=TRUE,'6.2Ratemaking Data'!$K$22,SUM($B23:$G23))","v":0}]
["Loss_Devt",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D23),\"\",'6.2Ratemaking Data'!D23)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E23),\"\",'6.2Ratemaking Data'!E23)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F23),\"\",'6.2Ratemaking Data'!F23)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G23),\"\",'6.2Ratemaking Data'!G23)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H23),\"\",'6.2Ratemaking Data'!H23)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I23),\"\",'6.2Ratemaking Data'!I23)","v":""}]
["DCCE_Devt",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D24),\"\",'6.2Ratemaking Data'!D24)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E24),\"\",'6.2Ratemaking Data'!E24)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F24),\"\",'6.2Ratemaking Data'!F24)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G24),\"\",'6.2Ratemaking Data'!G24)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H24),\"\",'6.2Ratemaking Data'!H24)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I24),\"\",'6.2Ratemaking Data'!I24)","v":""}]
["Loss_Trend",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D25),\"\",'6.2Ratemaking Data'!D25)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E25),\"\",'6.2Ratemaking Data'!E25)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F25),\"\",'6.2Ratemaking Data'!F25)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G25),\"\",'6.2Ratemaking Data'!G25)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H25),\"\",'6.2Ratemaking Data'!H25)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I25),\"\",'6.2Ratemaking Data'!I25)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.2Ratemaking Data'!$J$25)","v":0}]
["DCCE_Trend",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D26),\"\",'6.2Ratemaking Data'!D26)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E26),\"\",'6.2Ratemaking Data'!E26)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F26),\"\",'6.2Ratemaking Data'!F26)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G26),\"\",'6.2Ratemaking Data'!G26)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H26),\"\",'6.2Ratemaking Data'!H26)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I26),\"\",'6.2Ratemaking Data'!I26)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.2Ratemaking Data'!$J$26)","v":0}]
["CAT_Adj",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D27),\"\",'6.2Ratemaking Data'!D27)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E27),\"\",'6.2Ratemaking Data'!E27)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F27),\"\",'6.2Ratemaking Data'!F27)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G27),\"\",'6.2Ratemaking Data'!G27)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H27),\"\",'6.2Ratemaking Data'!H27)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I27),\"\",'6.2Ratemaking Data'!I27)","v":""}]
["Anc_Income",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D29),\"\",'6.2Ratemaking Data'!D29)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E29),\"\",'6.2Ratemaking Data'!E29)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F29),\"\",'6.2Ratemaking Data'!F29)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G29),\"\",'6.2Ratemaking Data'!G29)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H29),\"\",'6.2Ratemaking Data'!H29)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I29),\"\",'6.2Ratemaking Data'!I29)","v":""},{"$f":"IF(New_Program=TRUE,'6.2Ratemaking Data'!$K$29,SUM($B29:$G29))","v":0}]
["Credibility",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,100%,'6.2Ratemaking Data'!$J$28)","v":0}]
["ExpRatio_Excluded",null,null,null,null,null,null,{"$f":"ExpRatio_Excluded","v":0}]
["FIT_Inv",null,null,null,null,null,null,{"$f":"FIT_Inv","v":""}]
["Yield",null,null,null,null,null,null,{"$f":"Yield","v":""}]
[]
["CDI Parameters"]
["FIT_UW",null,null,null,null,null,null,{"$f":"FIT_UW","v":0.21}]
["EffStd_Final",null,null,null,null,"Data as of:",{"$f":"update_effstd","v":2023},{"$f":"EffStd_Final02","v":""}]
["LevFact_Final",null,null,null,null,"Data as of:",{"$f":"update_leverage","v":2023},{"$f":"LevFact_Final02","v":""}]
["PremTaxRate",null,null,null,null,null,null,{"$f":"PremTaxRate","v":2.35E-2}]
["SurplusRatio",null,null,null,null,null,null,{"$f":"1/LevFact_Final02","v":{"$error":"#VALUE!"}}]
["ResRatio_UPR",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_UPR02","v":""}]
["ResRatio_Loss",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_Loss02","v":""}]
["ROR_RiskFree",null,null,null,null,"Data as of:",{"$f":"ROR_RiskFree_Date","v":"April 2025"},{"$f":"ROR_RiskFree","v":4.3800000000000006E-2},"Note: The latest ROR information can be found in the CDI Parameters tab. "]
["ROR_Min",null,null,null,null,null,null,{"$f":"ROR_Min","v":-0.06}]
["ROR_Max",null,null,null,null,null,null,{"$f":"ROR_Max","v":0.1038}]
[]
["Calculations",{"$f":"'6.2Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!I$14","v":0}]
["Prem_Adjusted",{"$f":"IF(ISERROR(Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees),\"\",Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,(Prem_Earned+Misc_Fees),SUM($B48:$G48))","v":0}]
["Losses_Adjusted",{"$f":"IF(ISERROR(Losses*Loss_Devt*CAT_Adj*Loss_Trend),\"\",Losses*Loss_Devt*CAT_Adj*Loss_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,Losses,SUM($B49:$G49))","v":0}]
["DCCE_Adjusted",{"$f":"IF(ISERROR(DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend),\"\",DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,DCCE,SUM($B50:$G50))","v":0}]
["LossDCCERatio_Adjusted",{"$f":"IF(ISERROR((B49+B50)/B48),\"\",(B49+B50)/B48)","v":""},"","","","","",""]
["TCRLP_perExp",{"$f":"IF(ISERROR(Prem_Adjusted/Exposures_Earned),\"\",Prem_Adjusted/Exposures_Earned)","v":""},"","","","","",""]
["LossDCCE_perExp",{"$f":"IF(ISERROR((Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned),\"\",(Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned)","v":""},"","","","","",""]
["CompLossDCCE_perExp",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed))","v":""},"","","","","",""]
["CredLoss_perExp",{"$f":"IF(ISERROR(Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp),\"\",Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp)","v":""},"","","","","",""]
["Anc_Inc_perExp",{"$f":"IF(ISERROR(Anc_Income/Exposures_Earned),\"\",Anc_Income/Exposures_Earned)","v":""},"","","","","",""]
["InvInc_Fixed",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*ResRatio_Loss02","v":{"$error":"#VALUE!"}}]
["InvInc_Variable",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*(ResRatio_UPR02+SurplusRatio)","v":{"$error":"#VALUE!"}}]
["Net_AnnualTrend",null,null,null,null,null,null,{"$f":"(1+Loss_AnnualTrend)/(1+Prem_AnnualTrend)-1","v":0}]
["Comp_Trend",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,0,(1+Net_AnnualTrend)^MIN(4,((EffDate_Proposed-EffDate_Prior02)/365.25))-1)","v":{"$error":"#VALUE!"}}]
["Max_Profit",null,null,null,null,null,null,{"$f":"(ROR_Max)/(LevFact_Final02*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["Min_Profit",null,null,null,null,null,null,{"$f":"(ROR_Min)/(LevFact_Final02*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["UW_Profit",null,null,null,null,null,null,{"$f":"1-CredLossDCCE_perExp/Max_Premium-EffStd_Final02","v":{"$error":"#VALUE!"}}]
["Min_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final02-Min_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}}]
["Max_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final02-Max_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error35=\"\",Error36=\"\"),\"\",\"See Column H of Page '3.2YieldFIT' for errors that must be corrected.\")","v":"See Column H of Page '3.2YieldFIT' for errors that must be corrected."}]
["Min_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Min_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error38=\"\",\"\",\"See Column F of Page '4.2Excluded Exp' for errors that must be corrected.\")","v":"See Column F of Page '4.2Excluded Exp' for errors that must be corrected."}]
["Max_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error34=\"\",\"\",\"See Column I of Page '2.Summary' for errors that must be corrected.\")","v":"See Column I of Page '2.Summary' for errors that must be corrected."}]
["CHANGE_AT_MIN",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Min_Premium-Prem_Current)/Prem_Current,\"Error\")","v":"Error"},{"$f":"IF(AND(Error00=\"\",Error01=\"\",Error02=\"\",Error03=\"\",Error04=\"\",Error05=\"\",Error06=\"\",Error07=\"\",Error08=\"\",Error09=\"\",Error10=\"\",Error11=\"\",Error12=\"\",Error13=\"\",Error14=\"\",Error15=\"\",Error16=\"\",Error37=\"\"),\"\",\"See Column J of Page '1.General' for errors that must be corrected.\")","v":"See Column J of Page '1.General' for errors that must be corrected."}]
["CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Max_Premium-Prem_Current)/Prem_Current, \"Error\")","v":"Error"},{"$f":"IF(AND('6.2Ratemaking Data'!Error17=\"\",'6.2Ratemaking Data'!Error18=\"\",'6.2Ratemaking Data'!Error19=\"\",'6.2Ratemaking Data'!Error20=\"\",'6.2Ratemaking Data'!Error21=\"\",'6.2Ratemaking Data'!Error22=\"\",'6.2Ratemaking Data'!Error23=\"\",'6.2Ratemaking Data'!Error24=\"\",'6.2Ratemaking Data'!Error25=\"\",'6.2Ratemaking Data'!Error26=\"\",'6.2Ratemaking Data'!Error27=\"\",'6.2Ratemaking Data'!Error28=\"\",'6.2Ratemaking Data'!Error29=\"\"),\"\",\"See Column M of Page '6.2Ratemaking Data' for errors that must be corrected.\")","v":"See Column M of Page '6.2Ratemaking Data' for errors that must be corrected."}]
[]
["Reinsurance Calculations",{"$f":"'6.2Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.2Ratemaking Data'!I$14","v":0}]
["Comm_Rate",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.2Ratemaking Data'!J44),\"\",'6.2Ratemaking Data'!J44)","v":""}]
["Rein_Prem",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D45),\"\",'6.2Ratemaking Data'!D45)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E45),\"\",'6.2Ratemaking Data'!E45)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F45),\"\",'6.2Ratemaking Data'!F45)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G45),\"\",'6.2Ratemaking Data'!G45)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H45),\"\",'6.2Ratemaking Data'!H45)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I45),\"\",'6.2Ratemaking Data'!I45)","v":""},{"$f":"IF(RIGHT(Detailed_LineCode02,1)=\"R\",IF(New_Program=TRUE,'6.2Ratemaking Data'!$K$45,SUM($B73:$G73)),\"\")","v":""}]
["Rein_Recov",{"$f":"IF(ISBLANK('6.2Ratemaking Data'!D46),\"\",'6.2Ratemaking Data'!D46)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!E46),\"\",'6.2Ratemaking Data'!E46)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!F46),\"\",'6.2Ratemaking Data'!F46)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!G46),\"\",'6.2Ratemaking Data'!G46)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!H46),\"\",'6.2Ratemaking Data'!H46)","v":""},{"$f":"IF(ISBLANK('6.2Ratemaking Data'!I46),\"\",'6.2Ratemaking Data'!I46)","v":""},{"$f":"IF(New_Program=TRUE,'6.2Ratemaking Data'!$K$46,SUM($B74:$G74))","v":0}]
["ReinPrem_perExp",{"$f":"IF(ISERROR(Rein_Prem/Exposures_Earned),\"\",Rein_Prem/Exposures_Earned)","v":""},"","","","","",""]
["ReinRec_perExp",{"$f":"IF(ISERROR(Rein_Recov/Exposures_Earned),\"\",Rein_Recov/Exposures_Earned)","v":""},"","","","","",""]
["CompLoss_Rein",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed))","v":""},"","","","","",""]
["ReinMax_Premium",null,null,null,null,null,null,{"$f":"IF(H73=0,NA(),((((Credibility*(LossDCCE_perExp-ReinRec_perExp))+(1-Credibility)*CompLoss_Rein)*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom)+ReinPrem_perExp/(1-Comm_Rate-PremTaxRate))","v":{"$error":"#VALUE!"}}]
["Rein_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I79=\"\",IF($H$73=0,NA(),(ReinMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND('6.2Ratemaking Data'!Error30=\"\",'6.2Ratemaking Data'!Error31=\"\",'6.2Ratemaking Data'!Error32=\"\"),\"\",\"See Column M of Page '6.2Ratemaking Data' for errors that must be corrected.\")","v":""}]
[]
["Standard NCOR Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["CommBrkRate_Wtd",null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
["ExpFact_Var",null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
["Std_NCOR_perExp",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.2Ratemaking Data'!J52),\"\",'6.2Ratemaking Data'!J52)","v":""}]
["NCORMax_Premium",null,null,null,null,null,null,{"$f":"IF(H84=0,NA(),Max_Premium+Std_NCOR_perExp/(1-ExpFact_Var))","v":{"$error":"#VALUE!"}}]
["NCOR_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I86=\"\",IF($H$85=0,NA(),(NCORMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error40=\"\",'6.2Ratemaking Data'!Error39=\"\"),\"\",\"See either Column M of Page '6.2Ratemaking Data' or '1.General' for errors that must be corrected.\")","v":""}]
[null,null,null,null,null,"Go to 6.2Ratemaking Data"]

{"sheet":"7.3Rate Change Calculation","index":22,"n_rows":87,"n_cols":9,"rows_kept":87,"cut":false,"hidden":true,"merged":[[86,5,86,7]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[{"$f":"IF('6.3Ratemaking Data'!$K$7=\"\",\"VARIANCE - NONE\",\"VARIANCE \"&'6.3Ratemaking Data'!$K$7)","v":"VARIANCE - NONE"}]
["RATE CHANGE CALCULATION"]
[]
["Completed by:",null,null,null,null,null,null,{"$f":"Completed_By","v":""}]
["Date Completed:",null,null,null,null,null,null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Prior03","v":""}]
["Proposed Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Proposed","v":""}]
["Detailed Line Description:",null,null,null,null,null,null,{"$f":"Detailed_LineDesc03","v":""}]
["Coverage:",null,null,null,null,null,null,{"$f":"Covg03","v":""}]
[]
[]
["Data Provided by Filer",{"$f":"'6.3Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!I$14","v":0},"Projected"]
["Prem_Written",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D15),\"\",'6.3Ratemaking Data'!D15)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E15),\"\",'6.3Ratemaking Data'!E15)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F15),\"\",'6.3Ratemaking Data'!F15)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G15),\"\",'6.3Ratemaking Data'!G15)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H15),\"\",'6.3Ratemaking Data'!H15)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I15),\"\",'6.3Ratemaking Data'!I15)","v":""},{"$f":"IF(New_Program=TRUE,'6.3Ratemaking Data'!$K$15,SUM($B16:$G16))","v":0}]
["Prem_Earned",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D16),\"\",'6.3Ratemaking Data'!D16)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E16),\"\",'6.3Ratemaking Data'!E16)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F16),\"\",'6.3Ratemaking Data'!F16)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G16),\"\",'6.3Ratemaking Data'!G16)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H16),\"\",'6.3Ratemaking Data'!H16)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I16),\"\",'6.3Ratemaking Data'!I16)","v":""},{"$f":"IF(New_Program=TRUE,'6.3Ratemaking Data'!$K$16,SUM($B17:$G17))","v":0}]
["Prem_Adj",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D17),\"\",'6.3Ratemaking Data'!D17)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E17),\"\",'6.3Ratemaking Data'!E17)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F17),\"\",'6.3Ratemaking Data'!F17)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G17),\"\",'6.3Ratemaking Data'!G17)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H17),\"\",'6.3Ratemaking Data'!H17)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I17),\"\",'6.3Ratemaking Data'!I17)","v":""}]
["Prem_Trend",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D18),\"\",'6.3Ratemaking Data'!D18)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E18),\"\",'6.3Ratemaking Data'!E18)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F18),\"\",'6.3Ratemaking Data'!F18)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G18),\"\",'6.3Ratemaking Data'!G18)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H18),\"\",'6.3Ratemaking Data'!H18)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I18),\"\",'6.3Ratemaking Data'!I18)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.3Ratemaking Data'!$J$18)","v":0}]
["Misc_Fees",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D19),\"\",'6.3Ratemaking Data'!D19)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E19),\"\",'6.3Ratemaking Data'!E19)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F19),\"\",'6.3Ratemaking Data'!F19)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G19),\"\",'6.3Ratemaking Data'!G19)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H19),\"\",'6.3Ratemaking Data'!H19)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I19),\"\",'6.3Ratemaking Data'!I19)","v":""},{"$f":"IF(New_Program=TRUE,'6.3Ratemaking Data'!$K$19,SUM($B20:$G20))","v":0}]
["Exposures_Earned",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D20),\"\",'6.3Ratemaking Data'!D20)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E20),\"\",'6.3Ratemaking Data'!E20)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F20),\"\",'6.3Ratemaking Data'!F20)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G20),\"\",'6.3Ratemaking Data'!G20)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H20),\"\",'6.3Ratemaking Data'!H20)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I20),\"\",'6.3Ratemaking Data'!I20)","v":""},{"$f":"IF(New_Program=TRUE,'6.3Ratemaking Data'!$K$20,SUM($B21:$G21))","v":0}]
["Losses",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D21),\"\",'6.3Ratemaking Data'!D21)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E21),\"\",'6.3Ratemaking Data'!E21)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F21),\"\",'6.3Ratemaking Data'!F21)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G21),\"\",'6.3Ratemaking Data'!G21)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H21),\"\",'6.3Ratemaking Data'!H21)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I21),\"\",'6.3Ratemaking Data'!I21)","v":""},{"$f":"IF(New_Program=TRUE,'6.3Ratemaking Data'!$K$21,SUM($B22:$G22))","v":0}]
["DCCE",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D22),\"\",'6.3Ratemaking Data'!D22)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E22),\"\",'6.3Ratemaking Data'!E22)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F22),\"\",'6.3Ratemaking Data'!F22)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G22),\"\",'6.3Ratemaking Data'!G22)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H22),\"\",'6.3Ratemaking Data'!H22)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I22),\"\",'6.3Ratemaking Data'!I22)","v":""},{"$f":"IF(New_Program=TRUE,'6.3Ratemaking Data'!$K$22,SUM($B23:$G23))","v":0}]
["Loss_Devt",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D23),\"\",'6.3Ratemaking Data'!D23)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E23),\"\",'6.3Ratemaking Data'!E23)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F23),\"\",'6.3Ratemaking Data'!F23)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G23),\"\",'6.3Ratemaking Data'!G23)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H23),\"\",'6.3Ratemaking Data'!H23)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I23),\"\",'6.3Ratemaking Data'!I23)","v":""}]
["DCCE_Devt",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D24),\"\",'6.3Ratemaking Data'!D24)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E24),\"\",'6.3Ratemaking Data'!E24)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F24),\"\",'6.3Ratemaking Data'!F24)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G24),\"\",'6.3Ratemaking Data'!G24)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H24),\"\",'6.3Ratemaking Data'!H24)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I24),\"\",'6.3Ratemaking Data'!I24)","v":""}]
["Loss_Trend",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D25),\"\",'6.3Ratemaking Data'!D25)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E25),\"\",'6.3Ratemaking Data'!E25)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F25),\"\",'6.3Ratemaking Data'!F25)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G25),\"\",'6.3Ratemaking Data'!G25)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H25),\"\",'6.3Ratemaking Data'!H25)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I25),\"\",'6.3Ratemaking Data'!I25)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.3Ratemaking Data'!$J$25)","v":0}]
["DCCE_Trend",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D26),\"\",'6.3Ratemaking Data'!D26)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E26),\"\",'6.3Ratemaking Data'!E26)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F26),\"\",'6.3Ratemaking Data'!F26)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G26),\"\",'6.3Ratemaking Data'!G26)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H26),\"\",'6.3Ratemaking Data'!H26)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I26),\"\",'6.3Ratemaking Data'!I26)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.3Ratemaking Data'!$J$26)","v":0}]
["CAT_Adj",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D27),\"\",'6.3Ratemaking Data'!D27)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E27),\"\",'6.3Ratemaking Data'!E27)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F27),\"\",'6.3Ratemaking Data'!F27)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G27),\"\",'6.3Ratemaking Data'!G27)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H27),\"\",'6.3Ratemaking Data'!H27)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I27),\"\",'6.3Ratemaking Data'!I27)","v":""}]
["Anc_Income",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D29),\"\",'6.3Ratemaking Data'!D29)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E29),\"\",'6.3Ratemaking Data'!E29)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F29),\"\",'6.3Ratemaking Data'!F29)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G29),\"\",'6.3Ratemaking Data'!G29)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H29),\"\",'6.3Ratemaking Data'!H29)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I29),\"\",'6.3Ratemaking Data'!I29)","v":""},{"$f":"IF(New_Program=TRUE,'6.3Ratemaking Data'!$K$29,SUM($B29:$G29))","v":0}]
["Credibility",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,100%,'6.3Ratemaking Data'!$J$28)","v":0}]
["ExpRatio_Excluded",null,null,null,null,null,null,{"$f":"ExpRatio_Excluded","v":0}]
["FIT_Inv",null,null,null,null,null,null,{"$f":"FIT_Inv","v":""}]
["Yield",null,null,null,null,null,null,{"$f":"Yield","v":""}]
[]
["CDI Parameters"]
["FIT_UW",null,null,null,null,null,null,{"$f":"FIT_UW","v":0.21}]
["EffStd_Final",null,null,null,null,"Data as of:",{"$f":"update_effstd","v":2023},{"$f":"EffStd_Final03","v":""}]
["LevFact_Final",null,null,null,null,"Data as of:",{"$f":"update_leverage","v":2023},{"$f":"LevFact_Final03","v":""}]
["PremTaxRate",null,null,null,null,null,null,{"$f":"PremTaxRate","v":2.35E-2}]
["SurplusRatio",null,null,null,null,null,null,{"$f":"1/LevFact_Final03","v":{"$error":"#VALUE!"}}]
["ResRatio_UPR",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_UPR03","v":""}]
["ResRatio_Loss",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_Loss03","v":""}]
["ROR_RiskFree",null,null,null,null,"Data as of:",{"$f":"ROR_RiskFree_Date","v":"April 2025"},{"$f":"ROR_RiskFree","v":4.3800000000000006E-2},"Note: The latest ROR information can be found in the CDI Parameters tab. "]
["ROR_Min",null,null,null,null,null,null,{"$f":"ROR_Min","v":-0.06}]
["ROR_Max",null,null,null,null,null,null,{"$f":"ROR_Max","v":0.1038}]
[]
["Calculations",{"$f":"'6.3Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!I$14","v":0}]
["Prem_Adjusted",{"$f":"IF(ISERROR(Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees),\"\",Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,(Prem_Earned+Misc_Fees),SUM($B48:$G48))","v":0}]
["Losses_Adjusted",{"$f":"IF(ISERROR(Losses*Loss_Devt*CAT_Adj*Loss_Trend),\"\",Losses*Loss_Devt*CAT_Adj*Loss_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,Losses,SUM($B49:$G49))","v":0}]
["DCCE_Adjusted",{"$f":"IF(ISERROR(DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend),\"\",DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,DCCE,SUM($B50:$G50))","v":0}]
["LossDCCERatio_Adjusted",{"$f":"IF(ISERROR((B49+B50)/B48),\"\",(B49+B50)/B48)","v":""},"","","","","",""]
["TCRLP_perExp",{"$f":"IF(ISERROR(Prem_Adjusted/Exposures_Earned),\"\",Prem_Adjusted/Exposures_Earned)","v":""},"","","","","",""]
["LossDCCE_perExp",{"$f":"IF(ISERROR((Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned),\"\",(Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned)","v":""},"","","","","",""]
["CompLossDCCE_perExp",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed))","v":""},"","","","","",""]
["CredLoss_perExp",{"$f":"IF(ISERROR(Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp),\"\",Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp)","v":""},"","","","","",""]
["Anc_Inc_perExp",{"$f":"IF(ISERROR(Anc_Income/Exposures_Earned),\"\",Anc_Income/Exposures_Earned)","v":""},"","","","","",""]
["InvInc_Fixed",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*ResRatio_Loss03","v":{"$error":"#VALUE!"}}]
["InvInc_Variable",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*(ResRatio_UPR03+SurplusRatio)","v":{"$error":"#VALUE!"}}]
["Net_AnnualTrend",null,null,null,null,null,null,{"$f":"(1+Loss_AnnualTrend)/(1+Prem_AnnualTrend)-1","v":0}]
["Comp_Trend",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,0,(1+Net_AnnualTrend)^MIN(4,((EffDate_Proposed-EffDate_Prior03)/365.25))-1)","v":{"$error":"#VALUE!"}}]
["Max_Profit",null,null,null,null,null,null,{"$f":"(ROR_Max)/(LevFact_Final03*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["Min_Profit",null,null,null,null,null,null,{"$f":"(ROR_Min)/(LevFact_Final03*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["UW_Profit",null,null,null,null,null,null,{"$f":"1-CredLossDCCE_perExp/Max_Premium-EffStd_Final03","v":{"$error":"#VALUE!"}}]
["Min_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final03-Min_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}}]
["Max_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final03-Max_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error35=\"\",Error36=\"\"),\"\",\"See Column H of Page '3.2YieldFIT' for errors that must be corrected.\")","v":"See Column H of Page '3.2YieldFIT' for errors that must be corrected."}]
["Min_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Min_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error38=\"\",\"\",\"See Column F of Page '4.2Excluded Exp' for errors that must be corrected.\")","v":"See Column F of Page '4.2Excluded Exp' for errors that must be corrected."}]
["Max_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error34=\"\",\"\",\"See Column I of Page '2.Summary' for errors that must be corrected.\")","v":"See Column I of Page '2.Summary' for errors that must be corrected."}]
["CHANGE_AT_MIN",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Min_Premium-Prem_Current)/Prem_Current,\"Error\")","v":"Error"},{"$f":"IF(AND(Error00=\"\",Error01=\"\",Error02=\"\",Error03=\"\",Error04=\"\",Error05=\"\",Error06=\"\",Error07=\"\",Error08=\"\",Error09=\"\",Error10=\"\",Error11=\"\",Error12=\"\",Error13=\"\",Error14=\"\",Error15=\"\",Error16=\"\",Error37=\"\"),\"\",\"See Column J of Page '1.General' for errors that must be corrected.\")","v":"See Column J of Page '1.General' for errors that must be corrected."}]
["CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Max_Premium-Prem_Current)/Prem_Current, \"Error\")","v":"Error"},{"$f":"IF(AND('6.3Ratemaking Data'!Error17=\"\",'6.3Ratemaking Data'!Error18=\"\",'6.3Ratemaking Data'!Error19=\"\",'6.3Ratemaking Data'!Error20=\"\",'6.3Ratemaking Data'!Error21=\"\",'6.3Ratemaking Data'!Error22=\"\",'6.3Ratemaking Data'!Error23=\"\",'6.3Ratemaking Data'!Error24=\"\",'6.3Ratemaking Data'!Error25=\"\",'6.3Ratemaking Data'!Error26=\"\",'6.3Ratemaking Data'!Error27=\"\",'6.3Ratemaking Data'!Error28=\"\",'6.3Ratemaking Data'!Error29=\"\"),\"\",\"See Column M of Page '6.3Ratemaking Data' for errors that must be corrected.\")","v":"See Column M of Page '6.3Ratemaking Data' for errors that must be corrected."}]
[]
["Reinsurance Calculations",{"$f":"'6.3Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.3Ratemaking Data'!I$14","v":0}]
["Comm_Rate",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.3Ratemaking Data'!J44),\"\",'6.3Ratemaking Data'!J44)","v":""}]
["Rein_Prem",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D45),\"\",'6.3Ratemaking Data'!D45)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E45),\"\",'6.3Ratemaking Data'!E45)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F45),\"\",'6.3Ratemaking Data'!F45)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G45),\"\",'6.3Ratemaking Data'!G45)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H45),\"\",'6.3Ratemaking Data'!H45)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I45),\"\",'6.3Ratemaking Data'!I45)","v":""},{"$f":"IF(RIGHT(Detailed_LineCode03,1)=\"R\",IF(New_Program=TRUE,'6.3Ratemaking Data'!$K$45,SUM($B73:$G73)),\"\")","v":""}]
["Rein_Recov",{"$f":"IF(ISBLANK('6.3Ratemaking Data'!D46),\"\",'6.3Ratemaking Data'!D46)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!E46),\"\",'6.3Ratemaking Data'!E46)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!F46),\"\",'6.3Ratemaking Data'!F46)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!G46),\"\",'6.3Ratemaking Data'!G46)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!H46),\"\",'6.3Ratemaking Data'!H46)","v":""},{"$f":"IF(ISBLANK('6.3Ratemaking Data'!I46),\"\",'6.3Ratemaking Data'!I46)","v":""},{"$f":"IF(New_Program=TRUE,'6.3Ratemaking Data'!$K$46,SUM($B74:$G74))","v":0}]
["ReinPrem_perExp",{"$f":"IF(ISERROR(Rein_Prem/Exposures_Earned),\"\",Rein_Prem/Exposures_Earned)","v":""},"","","","","",""]
["ReinRec_perExp",{"$f":"IF(ISERROR(Rein_Recov/Exposures_Earned),\"\",Rein_Recov/Exposures_Earned)","v":""},"","","","","",""]
["CompLoss_Rein",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed))","v":""},"","","","","",""]
["ReinMax_Premium",null,null,null,null,null,null,{"$f":"IF(H73=0,NA(),((((Credibility*(LossDCCE_perExp-ReinRec_perExp))+(1-Credibility)*CompLoss_Rein)*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom)+ReinPrem_perExp/(1-Comm_Rate-PremTaxRate))","v":{"$error":"#VALUE!"}}]
["Rein_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I79=\"\",IF($H$73=0,NA(),(ReinMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND('6.3Ratemaking Data'!Error30=\"\",'6.3Ratemaking Data'!Error31=\"\",'6.3Ratemaking Data'!Error32=\"\"),\"\",\"See Column M of Page '6.3Ratemaking Data' for errors that must be corrected.\")","v":""}]
[]
["Standard NCOR Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["CommBrkRate_Wtd",null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
["ExpFact_Var",null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
["Std_NCOR_perExp",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.3Ratemaking Data'!J52),\"\",'6.3Ratemaking Data'!J52)","v":""}]
["NCORMax_Premium",null,null,null,null,null,null,{"$f":"IF(H84=0,NA(),Max_Premium+Std_NCOR_perExp/(1-ExpFact_Var))","v":{"$error":"#VALUE!"}}]
["NCOR_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I86=\"\",IF($H$85=0,NA(),(NCORMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error40=\"\",'6.3Ratemaking Data'!Error39=\"\"),\"\",\"See either Column M of Page '6.3Ratemaking Data' or '1.General' for errors that must be corrected.\")","v":""}]
[null,null,null,null,null,"Go to 6.3Ratemaking Data"]

{"sheet":"7.4Rate Change Calculation","index":23,"n_rows":87,"n_cols":9,"rows_kept":87,"cut":false,"hidden":true,"merged":[[86,5,86,7]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[{"$f":"IF('6.4Ratemaking Data'!$K$7=\"\",\"VARIANCE - NONE\",\"VARIANCE \"&'6.4Ratemaking Data'!$K$7)","v":"VARIANCE - NONE"}]
["RATE CHANGE CALCULATION"]
[]
["Completed by:",null,null,null,null,null,null,{"$f":"Completed_By","v":""}]
["Date Completed:",null,null,null,null,null,null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Prior04","v":""}]
["Proposed Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Proposed","v":""}]
["Detailed Line Description:",null,null,null,null,null,null,{"$f":"Detailed_LineDesc04","v":""}]
["Coverage:",null,null,null,null,null,null,{"$f":"Covg04","v":""}]
[]
[]
["Data Provided by Filer",{"$f":"'6.4Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!I$14","v":0},"Projected"]
["Prem_Written",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D15),\"\",'6.4Ratemaking Data'!D15)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E15),\"\",'6.4Ratemaking Data'!E15)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F15),\"\",'6.4Ratemaking Data'!F15)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G15),\"\",'6.4Ratemaking Data'!G15)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H15),\"\",'6.4Ratemaking Data'!H15)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I15),\"\",'6.4Ratemaking Data'!I15)","v":""},{"$f":"IF(New_Program=TRUE,'6.4Ratemaking Data'!$K$15,SUM($B16:$G16))","v":0}]
["Prem_Earned",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D16),\"\",'6.4Ratemaking Data'!D16)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E16),\"\",'6.4Ratemaking Data'!E16)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F16),\"\",'6.4Ratemaking Data'!F16)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G16),\"\",'6.4Ratemaking Data'!G16)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H16),\"\",'6.4Ratemaking Data'!H16)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I16),\"\",'6.4Ratemaking Data'!I16)","v":""},{"$f":"IF(New_Program=TRUE,'6.4Ratemaking Data'!$K$16,SUM($B17:$G17))","v":0}]
["Prem_Adj",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D17),\"\",'6.4Ratemaking Data'!D17)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E17),\"\",'6.4Ratemaking Data'!E17)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F17),\"\",'6.4Ratemaking Data'!F17)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G17),\"\",'6.4Ratemaking Data'!G17)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H17),\"\",'6.4Ratemaking Data'!H17)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I17),\"\",'6.4Ratemaking Data'!I17)","v":""}]
["Prem_Trend",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D18),\"\",'6.4Ratemaking Data'!D18)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E18),\"\",'6.4Ratemaking Data'!E18)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F18),\"\",'6.4Ratemaking Data'!F18)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G18),\"\",'6.4Ratemaking Data'!G18)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H18),\"\",'6.4Ratemaking Data'!H18)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I18),\"\",'6.4Ratemaking Data'!I18)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.4Ratemaking Data'!$J$18)","v":0}]
["Misc_Fees",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D19),\"\",'6.4Ratemaking Data'!D19)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E19),\"\",'6.4Ratemaking Data'!E19)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F19),\"\",'6.4Ratemaking Data'!F19)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G19),\"\",'6.4Ratemaking Data'!G19)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H19),\"\",'6.4Ratemaking Data'!H19)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I19),\"\",'6.4Ratemaking Data'!I19)","v":""},{"$f":"IF(New_Program=TRUE,'6.4Ratemaking Data'!$K$19,SUM($B20:$G20))","v":0}]
["Exposures_Earned",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D20),\"\",'6.4Ratemaking Data'!D20)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E20),\"\",'6.4Ratemaking Data'!E20)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F20),\"\",'6.4Ratemaking Data'!F20)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G20),\"\",'6.4Ratemaking Data'!G20)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H20),\"\",'6.4Ratemaking Data'!H20)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I20),\"\",'6.4Ratemaking Data'!I20)","v":""},{"$f":"IF(New_Program=TRUE,'6.4Ratemaking Data'!$K$20,SUM($B21:$G21))","v":0}]
["Losses",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D21),\"\",'6.4Ratemaking Data'!D21)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E21),\"\",'6.4Ratemaking Data'!E21)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F21),\"\",'6.4Ratemaking Data'!F21)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G21),\"\",'6.4Ratemaking Data'!G21)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H21),\"\",'6.4Ratemaking Data'!H21)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I21),\"\",'6.4Ratemaking Data'!I21)","v":""},{"$f":"IF(New_Program=TRUE,'6.4Ratemaking Data'!$K$21,SUM($B22:$G22))","v":0}]
["DCCE",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D22),\"\",'6.4Ratemaking Data'!D22)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E22),\"\",'6.4Ratemaking Data'!E22)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F22),\"\",'6.4Ratemaking Data'!F22)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G22),\"\",'6.4Ratemaking Data'!G22)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H22),\"\",'6.4Ratemaking Data'!H22)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I22),\"\",'6.4Ratemaking Data'!I22)","v":""},{"$f":"IF(New_Program=TRUE,'6.4Ratemaking Data'!$K$22,SUM($B23:$G23))","v":0}]
["Loss_Devt",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D23),\"\",'6.4Ratemaking Data'!D23)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E23),\"\",'6.4Ratemaking Data'!E23)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F23),\"\",'6.4Ratemaking Data'!F23)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G23),\"\",'6.4Ratemaking Data'!G23)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H23),\"\",'6.4Ratemaking Data'!H23)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I23),\"\",'6.4Ratemaking Data'!I23)","v":""}]
["DCCE_Devt",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D24),\"\",'6.4Ratemaking Data'!D24)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E24),\"\",'6.4Ratemaking Data'!E24)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F24),\"\",'6.4Ratemaking Data'!F24)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G24),\"\",'6.4Ratemaking Data'!G24)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H24),\"\",'6.4Ratemaking Data'!H24)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I24),\"\",'6.4Ratemaking Data'!I24)","v":""}]
["Loss_Trend",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D25),\"\",'6.4Ratemaking Data'!D25)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E25),\"\",'6.4Ratemaking Data'!E25)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F25),\"\",'6.4Ratemaking Data'!F25)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G25),\"\",'6.4Ratemaking Data'!G25)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H25),\"\",'6.4Ratemaking Data'!H25)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I25),\"\",'6.4Ratemaking Data'!I25)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.4Ratemaking Data'!$J$25)","v":0}]
["DCCE_Trend",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D26),\"\",'6.4Ratemaking Data'!D26)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E26),\"\",'6.4Ratemaking Data'!E26)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F26),\"\",'6.4Ratemaking Data'!F26)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G26),\"\",'6.4Ratemaking Data'!G26)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H26),\"\",'6.4Ratemaking Data'!H26)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I26),\"\",'6.4Ratemaking Data'!I26)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.4Ratemaking Data'!$J$26)","v":0}]
["CAT_Adj",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D27),\"\",'6.4Ratemaking Data'!D27)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E27),\"\",'6.4Ratemaking Data'!E27)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F27),\"\",'6.4Ratemaking Data'!F27)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G27),\"\",'6.4Ratemaking Data'!G27)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H27),\"\",'6.4Ratemaking Data'!H27)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I27),\"\",'6.4Ratemaking Data'!I27)","v":""}]
["Anc_Income",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D29),\"\",'6.4Ratemaking Data'!D29)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E29),\"\",'6.4Ratemaking Data'!E29)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F29),\"\",'6.4Ratemaking Data'!F29)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G29),\"\",'6.4Ratemaking Data'!G29)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H29),\"\",'6.4Ratemaking Data'!H29)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I29),\"\",'6.4Ratemaking Data'!I29)","v":""},{"$f":"IF(New_Program=TRUE,'6.4Ratemaking Data'!$K$29,SUM($B29:$G29))","v":0}]
["Credibility",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,100%,'6.4Ratemaking Data'!$J$28)","v":0}]
["ExpRatio_Excluded",null,null,null,null,null,null,{"$f":"ExpRatio_Excluded","v":0}]
["FIT_Inv",null,null,null,null,null,null,{"$f":"FIT_Inv","v":""}]
["Yield",null,null,null,null,null,null,{"$f":"Yield","v":""}]
[]
["CDI Parameters"]
["FIT_UW",null,null,null,null,null,null,{"$f":"FIT_UW","v":0.21}]
["EffStd_Final",null,null,null,null,"Data as of:",{"$f":"update_effstd","v":2023},{"$f":"EffStd_Final04","v":""}]
["LevFact_Final",null,null,null,null,"Data as of:",{"$f":"update_leverage","v":2023},{"$f":"LevFact_Final04","v":""}]
["PremTaxRate",null,null,null,null,null,null,{"$f":"PremTaxRate","v":2.35E-2}]
["SurplusRatio",null,null,null,null,null,null,{"$f":"1/LevFact_Final04","v":{"$error":"#VALUE!"}}]
["ResRatio_UPR",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_UPR04","v":""}]
["ResRatio_Loss",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_Loss04","v":""}]
["ROR_RiskFree",null,null,null,null,"Data as of:",{"$f":"ROR_RiskFree_Date","v":"April 2025"},{"$f":"ROR_RiskFree","v":4.3800000000000006E-2},"Note: The latest ROR information can be found in the CDI Parameters tab. "]
["ROR_Min",null,null,null,null,null,null,{"$f":"ROR_Min","v":-0.06}]
["ROR_Max",null,null,null,null,null,null,{"$f":"ROR_Max","v":0.1038}]
[]
["Calculations",{"$f":"'6.4Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!I$14","v":0}]
["Prem_Adjusted",{"$f":"IF(ISERROR(Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees),\"\",Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,(Prem_Earned+Misc_Fees),SUM($B48:$G48))","v":0}]
["Losses_Adjusted",{"$f":"IF(ISERROR(Losses*Loss_Devt*CAT_Adj*Loss_Trend),\"\",Losses*Loss_Devt*CAT_Adj*Loss_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,Losses,SUM($B49:$G49))","v":0}]
["DCCE_Adjusted",{"$f":"IF(ISERROR(DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend),\"\",DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,DCCE,SUM($B50:$G50))","v":0}]
["LossDCCERatio_Adjusted",{"$f":"IF(ISERROR((B49+B50)/B48),\"\",(B49+B50)/B48)","v":""},"","","","","",""]
["TCRLP_perExp",{"$f":"IF(ISERROR(Prem_Adjusted/Exposures_Earned),\"\",Prem_Adjusted/Exposures_Earned)","v":""},"","","","","",""]
["LossDCCE_perExp",{"$f":"IF(ISERROR((Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned),\"\",(Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned)","v":""},"","","","","",""]
["CompLossDCCE_perExp",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed))","v":""},"","","","","",""]
["CredLoss_perExp",{"$f":"IF(ISERROR(Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp),\"\",Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp)","v":""},"","","","","",""]
["Anc_Inc_perExp",{"$f":"IF(ISERROR(Anc_Income/Exposures_Earned),\"\",Anc_Income/Exposures_Earned)","v":""},"","","","","",""]
["InvInc_Fixed",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*ResRatio_Loss04","v":{"$error":"#VALUE!"}}]
["InvInc_Variable",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*(ResRatio_UPR04+SurplusRatio)","v":{"$error":"#VALUE!"}}]
["Net_AnnualTrend",null,null,null,null,null,null,{"$f":"(1+Loss_AnnualTrend)/(1+Prem_AnnualTrend)-1","v":0}]
["Comp_Trend",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,0,(1+Net_AnnualTrend)^MIN(4,((EffDate_Proposed-EffDate_Prior04)/365.25))-1)","v":{"$error":"#VALUE!"}}]
["Max_Profit",null,null,null,null,null,null,{"$f":"(ROR_Max)/(LevFact_Final04*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["Min_Profit",null,null,null,null,null,null,{"$f":"(ROR_Min)/(LevFact_Final04*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["UW_Profit",null,null,null,null,null,null,{"$f":"1-CredLossDCCE_perExp/Max_Premium-EffStd_Final04","v":{"$error":"#VALUE!"}}]
["Min_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final04-Min_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}}]
["Max_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final04-Max_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error35=\"\",Error36=\"\"),\"\",\"See Column H of Page '3.2YieldFIT' for errors that must be corrected.\")","v":"See Column H of Page '3.2YieldFIT' for errors that must be corrected."}]
["Min_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Min_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error38=\"\",\"\",\"See Column F of Page '4.2Excluded Exp' for errors that must be corrected.\")","v":"See Column F of Page '4.2Excluded Exp' for errors that must be corrected."}]
["Max_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error34=\"\",\"\",\"See Column I of Page '2.Summary' for errors that must be corrected.\")","v":"See Column I of Page '2.Summary' for errors that must be corrected."}]
["CHANGE_AT_MIN",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Min_Premium-Prem_Current)/Prem_Current,\"Error\")","v":"Error"},{"$f":"IF(AND(Error00=\"\",Error01=\"\",Error02=\"\",Error03=\"\",Error04=\"\",Error05=\"\",Error06=\"\",Error07=\"\",Error08=\"\",Error09=\"\",Error10=\"\",Error11=\"\",Error12=\"\",Error13=\"\",Error14=\"\",Error15=\"\",Error16=\"\",Error37=\"\"),\"\",\"See Column J of Page '1.General' for errors that must be corrected.\")","v":"See Column J of Page '1.General' for errors that must be corrected."}]
["CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Max_Premium-Prem_Current)/Prem_Current, \"Error\")","v":"Error"},{"$f":"IF(AND('6.4Ratemaking Data'!Error17=\"\",'6.4Ratemaking Data'!Error18=\"\",'6.4Ratemaking Data'!Error19=\"\",'6.4Ratemaking Data'!Error20=\"\",'6.4Ratemaking Data'!Error21=\"\",'6.4Ratemaking Data'!Error22=\"\",'6.4Ratemaking Data'!Error23=\"\",'6.4Ratemaking Data'!Error24=\"\",'6.4Ratemaking Data'!Error25=\"\",'6.4Ratemaking Data'!Error26=\"\",'6.4Ratemaking Data'!Error27=\"\",'6.4Ratemaking Data'!Error28=\"\",'6.4Ratemaking Data'!Error29=\"\"),\"\",\"See Column M of Page '6.4Ratemaking Data' for errors that must be corrected.\")","v":"See Column M of Page '6.4Ratemaking Data' for errors that must be corrected."}]
[]
["Reinsurance Calculations",{"$f":"'6.4Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.4Ratemaking Data'!I$14","v":0}]
["Comm_Rate",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.4Ratemaking Data'!J44),\"\",'6.4Ratemaking Data'!J44)","v":""}]
["Rein_Prem",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D45),\"\",'6.4Ratemaking Data'!D45)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E45),\"\",'6.4Ratemaking Data'!E45)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F45),\"\",'6.4Ratemaking Data'!F45)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G45),\"\",'6.4Ratemaking Data'!G45)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H45),\"\",'6.4Ratemaking Data'!H45)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I45),\"\",'6.4Ratemaking Data'!I45)","v":""},{"$f":"IF(RIGHT(Detailed_LineCode04,1)=\"R\",IF(New_Program=TRUE,'6.4Ratemaking Data'!$K$45,SUM($B73:$G73)),\"\")","v":""}]
["Rein_Recov",{"$f":"IF(ISBLANK('6.4Ratemaking Data'!D46),\"\",'6.4Ratemaking Data'!D46)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!E46),\"\",'6.4Ratemaking Data'!E46)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!F46),\"\",'6.4Ratemaking Data'!F46)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!G46),\"\",'6.4Ratemaking Data'!G46)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!H46),\"\",'6.4Ratemaking Data'!H46)","v":""},{"$f":"IF(ISBLANK('6.4Ratemaking Data'!I46),\"\",'6.4Ratemaking Data'!I46)","v":""},{"$f":"IF(New_Program=TRUE,'6.4Ratemaking Data'!$K$46,SUM($B74:$G74))","v":0}]
["ReinPrem_perExp",{"$f":"IF(ISERROR(Rein_Prem/Exposures_Earned),\"\",Rein_Prem/Exposures_Earned)","v":""},"","","","","",""]
["ReinRec_perExp",{"$f":"IF(ISERROR(Rein_Recov/Exposures_Earned),\"\",Rein_Recov/Exposures_Earned)","v":""},"","","","","",""]
["CompLoss_Rein",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed))","v":""},"","","","","",""]
["ReinMax_Premium",null,null,null,null,null,null,{"$f":"IF(H73=0,NA(),((((Credibility*(LossDCCE_perExp-ReinRec_perExp))+(1-Credibility)*CompLoss_Rein)*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom)+ReinPrem_perExp/(1-Comm_Rate-PremTaxRate))","v":{"$error":"#VALUE!"}}]
["Rein_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I79=\"\",IF($H$73=0,NA(),(ReinMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND('6.4Ratemaking Data'!Error30=\"\",'6.4Ratemaking Data'!Error31=\"\",'6.4Ratemaking Data'!Error32=\"\"),\"\",\"See Column M of Page '6.4Ratemaking Data' for errors that must be corrected.\")","v":""}]
[]
["Standard NCOR Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["CommBrkRate_Wtd",null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
["ExpFact_Var",null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
["Std_NCOR_perExp",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.4Ratemaking Data'!J52),\"\",'6.4Ratemaking Data'!J52)","v":""}]
["NCORMax_Premium",null,null,null,null,null,null,{"$f":"IF(H84=0,NA(),Max_Premium+Std_NCOR_perExp/(1-ExpFact_Var))","v":{"$error":"#VALUE!"}}]
["NCOR_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I86=\"\",IF($H$85=0,NA(),(NCORMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error40=\"\",'6.4Ratemaking Data'!Error39=\"\"),\"\",\"See either Column M of Page '6.4Ratemaking Data' or '1.General' for errors that must be corrected.\")","v":""}]
[null,null,null,null,null,"Go to 6.4Ratemaking Data"]

{"sheet":"7.5Rate Change Calculation","index":24,"n_rows":87,"n_cols":9,"rows_kept":87,"cut":false,"hidden":true,"merged":[[86,5,86,7]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[{"$f":"IF('6.5Ratemaking Data'!$K$7=\"\",\"VARIANCE - NONE\",\"VARIANCE \"&'6.5Ratemaking Data'!$K$7)","v":"VARIANCE - NONE"}]
["RATE CHANGE CALCULATION"]
[]
["Completed by:",null,null,null,null,null,null,{"$f":"Completed_By","v":""}]
["Date Completed:",null,null,null,null,null,null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Prior05","v":""}]
["Proposed Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Proposed","v":""}]
["Detailed Line Description:",null,null,null,null,null,null,{"$f":"Detailed_LineDesc05","v":""}]
["Coverage:",null,null,null,null,null,null,{"$f":"Covg05","v":""}]
[]
[]
["Data Provided by Filer",{"$f":"'6.5Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!I$14","v":0},"Projected"]
["Prem_Written",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D15),\"\",'6.5Ratemaking Data'!D15)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E15),\"\",'6.5Ratemaking Data'!E15)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F15),\"\",'6.5Ratemaking Data'!F15)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G15),\"\",'6.5Ratemaking Data'!G15)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H15),\"\",'6.5Ratemaking Data'!H15)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I15),\"\",'6.5Ratemaking Data'!I15)","v":""},{"$f":"IF(New_Program=TRUE,'6.5Ratemaking Data'!$K$15,SUM($B16:$G16))","v":0}]
["Prem_Earned",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D16),\"\",'6.5Ratemaking Data'!D16)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E16),\"\",'6.5Ratemaking Data'!E16)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F16),\"\",'6.5Ratemaking Data'!F16)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G16),\"\",'6.5Ratemaking Data'!G16)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H16),\"\",'6.5Ratemaking Data'!H16)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I16),\"\",'6.5Ratemaking Data'!I16)","v":""},{"$f":"IF(New_Program=TRUE,'6.5Ratemaking Data'!$K$16,SUM($B17:$G17))","v":0}]
["Prem_Adj",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D17),\"\",'6.5Ratemaking Data'!D17)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E17),\"\",'6.5Ratemaking Data'!E17)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F17),\"\",'6.5Ratemaking Data'!F17)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G17),\"\",'6.5Ratemaking Data'!G17)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H17),\"\",'6.5Ratemaking Data'!H17)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I17),\"\",'6.5Ratemaking Data'!I17)","v":""}]
["Prem_Trend",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D18),\"\",'6.5Ratemaking Data'!D18)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E18),\"\",'6.5Ratemaking Data'!E18)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F18),\"\",'6.5Ratemaking Data'!F18)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G18),\"\",'6.5Ratemaking Data'!G18)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H18),\"\",'6.5Ratemaking Data'!H18)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I18),\"\",'6.5Ratemaking Data'!I18)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.5Ratemaking Data'!$J$18)","v":0}]
["Misc_Fees",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D19),\"\",'6.5Ratemaking Data'!D19)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E19),\"\",'6.5Ratemaking Data'!E19)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F19),\"\",'6.5Ratemaking Data'!F19)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G19),\"\",'6.5Ratemaking Data'!G19)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H19),\"\",'6.5Ratemaking Data'!H19)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I19),\"\",'6.5Ratemaking Data'!I19)","v":""},{"$f":"IF(New_Program=TRUE,'6.5Ratemaking Data'!$K$19,SUM($B20:$G20))","v":0}]
["Exposures_Earned",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D20),\"\",'6.5Ratemaking Data'!D20)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E20),\"\",'6.5Ratemaking Data'!E20)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F20),\"\",'6.5Ratemaking Data'!F20)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G20),\"\",'6.5Ratemaking Data'!G20)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H20),\"\",'6.5Ratemaking Data'!H20)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I20),\"\",'6.5Ratemaking Data'!I20)","v":""},{"$f":"IF(New_Program=TRUE,'6.5Ratemaking Data'!$K$20,SUM($B21:$G21))","v":0}]
["Losses",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D21),\"\",'6.5Ratemaking Data'!D21)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E21),\"\",'6.5Ratemaking Data'!E21)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F21),\"\",'6.5Ratemaking Data'!F21)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G21),\"\",'6.5Ratemaking Data'!G21)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H21),\"\",'6.5Ratemaking Data'!H21)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I21),\"\",'6.5Ratemaking Data'!I21)","v":""},{"$f":"IF(New_Program=TRUE,'6.5Ratemaking Data'!$K$21,SUM($B22:$G22))","v":0}]
["DCCE",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D22),\"\",'6.5Ratemaking Data'!D22)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E22),\"\",'6.5Ratemaking Data'!E22)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F22),\"\",'6.5Ratemaking Data'!F22)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G22),\"\",'6.5Ratemaking Data'!G22)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H22),\"\",'6.5Ratemaking Data'!H22)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I22),\"\",'6.5Ratemaking Data'!I22)","v":""},{"$f":"IF(New_Program=TRUE,'6.5Ratemaking Data'!$K$22,SUM($B23:$G23))","v":0}]
["Loss_Devt",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D23),\"\",'6.5Ratemaking Data'!D23)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E23),\"\",'6.5Ratemaking Data'!E23)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F23),\"\",'6.5Ratemaking Data'!F23)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G23),\"\",'6.5Ratemaking Data'!G23)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H23),\"\",'6.5Ratemaking Data'!H23)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I23),\"\",'6.5Ratemaking Data'!I23)","v":""}]
["DCCE_Devt",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D24),\"\",'6.5Ratemaking Data'!D24)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E24),\"\",'6.5Ratemaking Data'!E24)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F24),\"\",'6.5Ratemaking Data'!F24)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G24),\"\",'6.5Ratemaking Data'!G24)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H24),\"\",'6.5Ratemaking Data'!H24)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I24),\"\",'6.5Ratemaking Data'!I24)","v":""}]
["Loss_Trend",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D25),\"\",'6.5Ratemaking Data'!D25)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E25),\"\",'6.5Ratemaking Data'!E25)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F25),\"\",'6.5Ratemaking Data'!F25)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G25),\"\",'6.5Ratemaking Data'!G25)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H25),\"\",'6.5Ratemaking Data'!H25)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I25),\"\",'6.5Ratemaking Data'!I25)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.5Ratemaking Data'!$J$25)","v":0}]
["DCCE_Trend",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D26),\"\",'6.5Ratemaking Data'!D26)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E26),\"\",'6.5Ratemaking Data'!E26)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F26),\"\",'6.5Ratemaking Data'!F26)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G26),\"\",'6.5Ratemaking Data'!G26)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H26),\"\",'6.5Ratemaking Data'!H26)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I26),\"\",'6.5Ratemaking Data'!I26)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.5Ratemaking Data'!$J$26)","v":0}]
["CAT_Adj",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D27),\"\",'6.5Ratemaking Data'!D27)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E27),\"\",'6.5Ratemaking Data'!E27)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F27),\"\",'6.5Ratemaking Data'!F27)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G27),\"\",'6.5Ratemaking Data'!G27)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H27),\"\",'6.5Ratemaking Data'!H27)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I27),\"\",'6.5Ratemaking Data'!I27)","v":""}]
["Anc_Income",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D29),\"\",'6.5Ratemaking Data'!D29)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E29),\"\",'6.5Ratemaking Data'!E29)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F29),\"\",'6.5Ratemaking Data'!F29)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G29),\"\",'6.5Ratemaking Data'!G29)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H29),\"\",'6.5Ratemaking Data'!H29)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I29),\"\",'6.5Ratemaking Data'!I29)","v":""},{"$f":"IF(New_Program=TRUE,'6.5Ratemaking Data'!$K$29,SUM($B29:$G29))","v":0}]
["Credibility",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,100%,'6.5Ratemaking Data'!$J$28)","v":0}]
["ExpRatio_Excluded",null,null,null,null,null,null,{"$f":"ExpRatio_Excluded","v":0}]
["FIT_Inv",null,null,null,null,null,null,{"$f":"FIT_Inv","v":""}]
["Yield",null,null,null,null,null,null,{"$f":"Yield","v":""}]
[]
["CDI Parameters"]
["FIT_UW",null,null,null,null,null,null,{"$f":"FIT_UW","v":0.21}]
["EffStd_Final",null,null,null,null,"Data as of:",{"$f":"update_effstd","v":2023},{"$f":"EffStd_Final05","v":""}]
["LevFact_Final",null,null,null,null,"Data as of:",{"$f":"update_leverage","v":2023},{"$f":"LevFact_Final05","v":""}]
["PremTaxRate",null,null,null,null,null,null,{"$f":"PremTaxRate","v":2.35E-2}]
["SurplusRatio",null,null,null,null,null,null,{"$f":"1/LevFact_Final05","v":{"$error":"#VALUE!"}}]
["ResRatio_UPR",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_UPR05","v":""}]
["ResRatio_Loss",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_Loss05","v":""}]
["ROR_RiskFree",null,null,null,null,"Data as of:",{"$f":"ROR_RiskFree_Date","v":"April 2025"},{"$f":"ROR_RiskFree","v":4.3800000000000006E-2},"Note: The latest ROR information can be found in the CDI Parameters tab. "]
["ROR_Min",null,null,null,null,null,null,{"$f":"ROR_Min","v":-0.06}]
["ROR_Max",null,null,null,null,null,null,{"$f":"ROR_Max","v":0.1038}]
[]
["Calculations",{"$f":"'6.5Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!I$14","v":0}]
["Prem_Adjusted",{"$f":"IF(ISERROR(Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees),\"\",Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,(Prem_Earned+Misc_Fees),SUM($B48:$G48))","v":0}]
["Losses_Adjusted",{"$f":"IF(ISERROR(Losses*Loss_Devt*CAT_Adj*Loss_Trend),\"\",Losses*Loss_Devt*CAT_Adj*Loss_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,Losses,SUM($B49:$G49))","v":0}]
["DCCE_Adjusted",{"$f":"IF(ISERROR(DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend),\"\",DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,DCCE,SUM($B50:$G50))","v":0}]
["LossDCCERatio_Adjusted",{"$f":"IF(ISERROR((B49+B50)/B48),\"\",(B49+B50)/B48)","v":""},"","","","","",""]
["TCRLP_perExp",{"$f":"IF(ISERROR(Prem_Adjusted/Exposures_Earned),\"\",Prem_Adjusted/Exposures_Earned)","v":""},"","","","","",""]
["LossDCCE_perExp",{"$f":"IF(ISERROR((Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned),\"\",(Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned)","v":""},"","","","","",""]
["CompLossDCCE_perExp",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed))","v":""},"","","","","",""]
["CredLoss_perExp",{"$f":"IF(ISERROR(Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp),\"\",Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp)","v":""},"","","","","",""]
["Anc_Inc_perExp",{"$f":"IF(ISERROR(Anc_Income/Exposures_Earned),\"\",Anc_Income/Exposures_Earned)","v":""},"","","","","",""]
["InvInc_Fixed",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*ResRatio_Loss05","v":{"$error":"#VALUE!"}}]
["InvInc_Variable",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*(ResRatio_UPR05+SurplusRatio)","v":{"$error":"#VALUE!"}}]
["Net_AnnualTrend",null,null,null,null,null,null,{"$f":"(1+Loss_AnnualTrend)/(1+Prem_AnnualTrend)-1","v":0}]
["Comp_Trend",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,0,(1+Net_AnnualTrend)^MIN(4,((EffDate_Proposed-EffDate_Prior05)/365.25))-1)","v":{"$error":"#VALUE!"}}]
["Max_Profit",null,null,null,null,null,null,{"$f":"(ROR_Max)/(LevFact_Final05*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["Min_Profit",null,null,null,null,null,null,{"$f":"(ROR_Min)/(LevFact_Final05*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["UW_Profit",null,null,null,null,null,null,{"$f":"1-CredLossDCCE_perExp/Max_Premium-EffStd_Final05","v":{"$error":"#VALUE!"}}]
["Min_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final05-Min_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}}]
["Max_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final05-Max_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error35=\"\",Error36=\"\"),\"\",\"See Column H of Page '3.2YieldFIT' for errors that must be corrected.\")","v":"See Column H of Page '3.2YieldFIT' for errors that must be corrected."}]
["Min_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Min_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error38=\"\",\"\",\"See Column F of Page '4.2Excluded Exp' for errors that must be corrected.\")","v":"See Column F of Page '4.2Excluded Exp' for errors that must be corrected."}]
["Max_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error34=\"\",\"\",\"See Column I of Page '2.Summary' for errors that must be corrected.\")","v":"See Column I of Page '2.Summary' for errors that must be corrected."}]
["CHANGE_AT_MIN",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Min_Premium-Prem_Current)/Prem_Current,\"Error\")","v":"Error"},{"$f":"IF(AND(Error00=\"\",Error01=\"\",Error02=\"\",Error03=\"\",Error04=\"\",Error05=\"\",Error06=\"\",Error07=\"\",Error08=\"\",Error09=\"\",Error10=\"\",Error11=\"\",Error12=\"\",Error13=\"\",Error14=\"\",Error15=\"\",Error16=\"\",Error37=\"\"),\"\",\"See Column J of Page '1.General' for errors that must be corrected.\")","v":"See Column J of Page '1.General' for errors that must be corrected."}]
["CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Max_Premium-Prem_Current)/Prem_Current, \"Error\")","v":"Error"},{"$f":"IF(AND('6.5Ratemaking Data'!Error17=\"\",'6.5Ratemaking Data'!Error18=\"\",'6.5Ratemaking Data'!Error19=\"\",'6.5Ratemaking Data'!Error20=\"\",'6.5Ratemaking Data'!Error21=\"\",'6.5Ratemaking Data'!Error22=\"\",'6.5Ratemaking Data'!Error23=\"\",'6.5Ratemaking Data'!Error24=\"\",'6.5Ratemaking Data'!Error25=\"\",'6.5Ratemaking Data'!Error26=\"\",'6.5Ratemaking Data'!Error27=\"\",'6.5Ratemaking Data'!Error28=\"\",'6.5Ratemaking Data'!Error29=\"\"),\"\",\"See Column M of Page '6.5Ratemaking Data' for errors that must be corrected.\")","v":"See Column M of Page '6.5Ratemaking Data' for errors that must be corrected."}]
[]
["Reinsurance Calculations",{"$f":"'6.5Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.5Ratemaking Data'!I$14","v":0}]
["Comm_Rate",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.5Ratemaking Data'!J44),\"\",'6.5Ratemaking Data'!J44)","v":""}]
["Rein_Prem",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D45),\"\",'6.5Ratemaking Data'!D45)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E45),\"\",'6.5Ratemaking Data'!E45)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F45),\"\",'6.5Ratemaking Data'!F45)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G45),\"\",'6.5Ratemaking Data'!G45)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H45),\"\",'6.5Ratemaking Data'!H45)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I45),\"\",'6.5Ratemaking Data'!I45)","v":""},{"$f":"IF(RIGHT(Detailed_LineCode05,1)=\"R\",IF(New_Program=TRUE,'6.5Ratemaking Data'!$K$45,SUM($B73:$G73)),\"\")","v":""}]
["Rein_Recov",{"$f":"IF(ISBLANK('6.5Ratemaking Data'!D46),\"\",'6.5Ratemaking Data'!D46)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!E46),\"\",'6.5Ratemaking Data'!E46)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!F46),\"\",'6.5Ratemaking Data'!F46)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!G46),\"\",'6.5Ratemaking Data'!G46)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!H46),\"\",'6.5Ratemaking Data'!H46)","v":""},{"$f":"IF(ISBLANK('6.5Ratemaking Data'!I46),\"\",'6.5Ratemaking Data'!I46)","v":""},{"$f":"IF(New_Program=TRUE,'6.5Ratemaking Data'!$K$46,SUM($B74:$G74))","v":0}]
["ReinPrem_perExp",{"$f":"IF(ISERROR(Rein_Prem/Exposures_Earned),\"\",Rein_Prem/Exposures_Earned)","v":""},"","","","","",""]
["ReinRec_perExp",{"$f":"IF(ISERROR(Rein_Recov/Exposures_Earned),\"\",Rein_Recov/Exposures_Earned)","v":""},"","","","","",""]
["CompLoss_Rein",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed))","v":""},"","","","","",""]
["ReinMax_Premium",null,null,null,null,null,null,{"$f":"IF(H73=0,NA(),((((Credibility*(LossDCCE_perExp-ReinRec_perExp))+(1-Credibility)*CompLoss_Rein)*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom)+ReinPrem_perExp/(1-Comm_Rate-PremTaxRate))","v":{"$error":"#VALUE!"}}]
["Rein_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I79=\"\",IF($H$73=0,NA(),(ReinMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND('6.5Ratemaking Data'!Error30=\"\",'6.5Ratemaking Data'!Error31=\"\",'6.5Ratemaking Data'!Error32=\"\"),\"\",\"See Column M of Page '6.5Ratemaking Data' for errors that must be corrected.\")","v":""}]
[]
["Standard NCOR Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["CommBrkRate_Wtd",null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
["ExpFact_Var",null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
["Std_NCOR_perExp",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.5Ratemaking Data'!J52),\"\",'6.5Ratemaking Data'!J52)","v":""}]
["NCORMax_Premium",null,null,null,null,null,null,{"$f":"IF(H84=0,NA(),Max_Premium+Std_NCOR_perExp/(1-ExpFact_Var))","v":{"$error":"#VALUE!"}}]
["NCOR_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I86=\"\",IF($H$85=0,NA(),(NCORMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error40=\"\",'6.5Ratemaking Data'!Error39=\"\"),\"\",\"See either Column M of Page '6.5Ratemaking Data' or '1.General' for errors that must be corrected.\")","v":""}]
[null,null,null,null,null,"Go to 6.5Ratemaking Data"]

{"sheet":"7.6Rate Change Calculation","index":25,"n_rows":87,"n_cols":9,"rows_kept":87,"cut":false,"hidden":true,"merged":[[86,5,86,7]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[{"$f":"IF('6.6Ratemaking Data'!$K$7=\"\",\"VARIANCE - NONE\",\"VARIANCE \"&'6.6Ratemaking Data'!$K$7)","v":"VARIANCE - NONE"}]
["RATE CHANGE CALCULATION"]
[]
["Completed by:",null,null,null,null,null,null,{"$f":"Completed_By","v":""}]
["Date Completed:",null,null,null,null,null,null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Prior06","v":""}]
["Proposed Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Proposed","v":""}]
["Detailed Line Description:",null,null,null,null,null,null,{"$f":"Detailed_LineDesc06","v":""}]
["Coverage:",null,null,null,null,null,null,{"$f":"Covg06","v":""}]
[]
[]
["Data Provided by Filer",{"$f":"'6.6Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!I$14","v":0},"Projected"]
["Prem_Written",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D15),\"\",'6.6Ratemaking Data'!D15)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E15),\"\",'6.6Ratemaking Data'!E15)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F15),\"\",'6.6Ratemaking Data'!F15)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G15),\"\",'6.6Ratemaking Data'!G15)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H15),\"\",'6.6Ratemaking Data'!H15)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I15),\"\",'6.6Ratemaking Data'!I15)","v":""},{"$f":"IF(New_Program=TRUE,'6.6Ratemaking Data'!$K$15,SUM($B16:$G16))","v":0}]
["Prem_Earned",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D16),\"\",'6.6Ratemaking Data'!D16)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E16),\"\",'6.6Ratemaking Data'!E16)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F16),\"\",'6.6Ratemaking Data'!F16)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G16),\"\",'6.6Ratemaking Data'!G16)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H16),\"\",'6.6Ratemaking Data'!H16)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I16),\"\",'6.6Ratemaking Data'!I16)","v":""},{"$f":"IF(New_Program=TRUE,'6.6Ratemaking Data'!$K$16,SUM($B17:$G17))","v":0}]
["Prem_Adj",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D17),\"\",'6.6Ratemaking Data'!D17)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E17),\"\",'6.6Ratemaking Data'!E17)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F17),\"\",'6.6Ratemaking Data'!F17)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G17),\"\",'6.6Ratemaking Data'!G17)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H17),\"\",'6.6Ratemaking Data'!H17)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I17),\"\",'6.6Ratemaking Data'!I17)","v":""}]
["Prem_Trend",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D18),\"\",'6.6Ratemaking Data'!D18)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E18),\"\",'6.6Ratemaking Data'!E18)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F18),\"\",'6.6Ratemaking Data'!F18)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G18),\"\",'6.6Ratemaking Data'!G18)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H18),\"\",'6.6Ratemaking Data'!H18)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I18),\"\",'6.6Ratemaking Data'!I18)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.6Ratemaking Data'!$J$18)","v":0}]
["Misc_Fees",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D19),\"\",'6.6Ratemaking Data'!D19)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E19),\"\",'6.6Ratemaking Data'!E19)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F19),\"\",'6.6Ratemaking Data'!F19)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G19),\"\",'6.6Ratemaking Data'!G19)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H19),\"\",'6.6Ratemaking Data'!H19)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I19),\"\",'6.6Ratemaking Data'!I19)","v":""},{"$f":"IF(New_Program=TRUE,'6.6Ratemaking Data'!$K$19,SUM($B20:$G20))","v":0}]
["Exposures_Earned",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D20),\"\",'6.6Ratemaking Data'!D20)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E20),\"\",'6.6Ratemaking Data'!E20)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F20),\"\",'6.6Ratemaking Data'!F20)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G20),\"\",'6.6Ratemaking Data'!G20)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H20),\"\",'6.6Ratemaking Data'!H20)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I20),\"\",'6.6Ratemaking Data'!I20)","v":""},{"$f":"IF(New_Program=TRUE,'6.6Ratemaking Data'!$K$20,SUM($B21:$G21))","v":0}]
["Losses",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D21),\"\",'6.6Ratemaking Data'!D21)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E21),\"\",'6.6Ratemaking Data'!E21)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F21),\"\",'6.6Ratemaking Data'!F21)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G21),\"\",'6.6Ratemaking Data'!G21)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H21),\"\",'6.6Ratemaking Data'!H21)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I21),\"\",'6.6Ratemaking Data'!I21)","v":""},{"$f":"IF(New_Program=TRUE,'6.6Ratemaking Data'!$K$21,SUM($B22:$G22))","v":0}]
["DCCE",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D22),\"\",'6.6Ratemaking Data'!D22)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E22),\"\",'6.6Ratemaking Data'!E22)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F22),\"\",'6.6Ratemaking Data'!F22)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G22),\"\",'6.6Ratemaking Data'!G22)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H22),\"\",'6.6Ratemaking Data'!H22)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I22),\"\",'6.6Ratemaking Data'!I22)","v":""},{"$f":"IF(New_Program=TRUE,'6.6Ratemaking Data'!$K$22,SUM($B23:$G23))","v":0}]
["Loss_Devt",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D23),\"\",'6.6Ratemaking Data'!D23)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E23),\"\",'6.6Ratemaking Data'!E23)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F23),\"\",'6.6Ratemaking Data'!F23)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G23),\"\",'6.6Ratemaking Data'!G23)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H23),\"\",'6.6Ratemaking Data'!H23)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I23),\"\",'6.6Ratemaking Data'!I23)","v":""}]
["DCCE_Devt",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D24),\"\",'6.6Ratemaking Data'!D24)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E24),\"\",'6.6Ratemaking Data'!E24)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F24),\"\",'6.6Ratemaking Data'!F24)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G24),\"\",'6.6Ratemaking Data'!G24)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H24),\"\",'6.6Ratemaking Data'!H24)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I24),\"\",'6.6Ratemaking Data'!I24)","v":""}]
["Loss_Trend",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D25),\"\",'6.6Ratemaking Data'!D25)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E25),\"\",'6.6Ratemaking Data'!E25)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F25),\"\",'6.6Ratemaking Data'!F25)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G25),\"\",'6.6Ratemaking Data'!G25)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H25),\"\",'6.6Ratemaking Data'!H25)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I25),\"\",'6.6Ratemaking Data'!I25)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.6Ratemaking Data'!$J$25)","v":0}]
["DCCE_Trend",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D26),\"\",'6.6Ratemaking Data'!D26)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E26),\"\",'6.6Ratemaking Data'!E26)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F26),\"\",'6.6Ratemaking Data'!F26)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G26),\"\",'6.6Ratemaking Data'!G26)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H26),\"\",'6.6Ratemaking Data'!H26)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I26),\"\",'6.6Ratemaking Data'!I26)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.6Ratemaking Data'!$J$26)","v":0}]
["CAT_Adj",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D27),\"\",'6.6Ratemaking Data'!D27)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E27),\"\",'6.6Ratemaking Data'!E27)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F27),\"\",'6.6Ratemaking Data'!F27)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G27),\"\",'6.6Ratemaking Data'!G27)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H27),\"\",'6.6Ratemaking Data'!H27)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I27),\"\",'6.6Ratemaking Data'!I27)","v":""}]
["Anc_Income",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D29),\"\",'6.6Ratemaking Data'!D29)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E29),\"\",'6.6Ratemaking Data'!E29)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F29),\"\",'6.6Ratemaking Data'!F29)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G29),\"\",'6.6Ratemaking Data'!G29)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H29),\"\",'6.6Ratemaking Data'!H29)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I29),\"\",'6.6Ratemaking Data'!I29)","v":""},{"$f":"IF(New_Program=TRUE,'6.6Ratemaking Data'!$K$29,SUM($B29:$G29))","v":0}]
["Credibility",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,100%,'6.6Ratemaking Data'!$J$28)","v":0}]
["ExpRatio_Excluded",null,null,null,null,null,null,{"$f":"ExpRatio_Excluded","v":0}]
["FIT_Inv",null,null,null,null,null,null,{"$f":"FIT_Inv","v":""}]
["Yield",null,null,null,null,null,null,{"$f":"Yield","v":""}]
[]
["CDI Parameters"]
["FIT_UW",null,null,null,null,null,null,{"$f":"FIT_UW","v":0.21}]
["EffStd_Final",null,null,null,null,"Data as of:",{"$f":"update_effstd","v":2023},{"$f":"EffStd_Final06","v":""}]
["LevFact_Final",null,null,null,null,"Data as of:",{"$f":"update_leverage","v":2023},{"$f":"LevFact_Final06","v":""}]
["PremTaxRate",null,null,null,null,null,null,{"$f":"PremTaxRate","v":2.35E-2}]
["SurplusRatio",null,null,null,null,null,null,{"$f":"1/LevFact_Final06","v":{"$error":"#VALUE!"}}]
["ResRatio_UPR",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_UPR06","v":""}]
["ResRatio_Loss",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_Loss06","v":""}]
["ROR_RiskFree",null,null,null,null,"Data as of:",{"$f":"ROR_RiskFree_Date","v":"April 2025"},{"$f":"ROR_RiskFree","v":4.3800000000000006E-2},"Note: The latest ROR information can be found in the CDI Parameters tab. "]
["ROR_Min",null,null,null,null,null,null,{"$f":"ROR_Min","v":-0.06}]
["ROR_Max",null,null,null,null,null,null,{"$f":"ROR_Max","v":0.1038}]
[]
["Calculations",{"$f":"'6.6Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!I$14","v":0}]
["Prem_Adjusted",{"$f":"IF(ISERROR(Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees),\"\",Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,(Prem_Earned+Misc_Fees),SUM($B48:$G48))","v":0}]
["Losses_Adjusted",{"$f":"IF(ISERROR(Losses*Loss_Devt*CAT_Adj*Loss_Trend),\"\",Losses*Loss_Devt*CAT_Adj*Loss_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,Losses,SUM($B49:$G49))","v":0}]
["DCCE_Adjusted",{"$f":"IF(ISERROR(DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend),\"\",DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,DCCE,SUM($B50:$G50))","v":0}]
["LossDCCERatio_Adjusted",{"$f":"IF(ISERROR((B49+B50)/B48),\"\",(B49+B50)/B48)","v":""},"","","","","",""]
["TCRLP_perExp",{"$f":"IF(ISERROR(Prem_Adjusted/Exposures_Earned),\"\",Prem_Adjusted/Exposures_Earned)","v":""},"","","","","",""]
["LossDCCE_perExp",{"$f":"IF(ISERROR((Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned),\"\",(Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned)","v":""},"","","","","",""]
["CompLossDCCE_perExp",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed))","v":""},"","","","","",""]
["CredLoss_perExp",{"$f":"IF(ISERROR(Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp),\"\",Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp)","v":""},"","","","","",""]
["Anc_Inc_perExp",{"$f":"IF(ISERROR(Anc_Income/Exposures_Earned),\"\",Anc_Income/Exposures_Earned)","v":""},"","","","","",""]
["InvInc_Fixed",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*ResRatio_Loss06","v":{"$error":"#VALUE!"}}]
["InvInc_Variable",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*(ResRatio_UPR06+SurplusRatio)","v":{"$error":"#VALUE!"}}]
["Net_AnnualTrend",null,null,null,null,null,null,{"$f":"(1+Loss_AnnualTrend)/(1+Prem_AnnualTrend)-1","v":0}]
["Comp_Trend",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,0,(1+Net_AnnualTrend)^MIN(4,((EffDate_Proposed-EffDate_Prior06)/365.25))-1)","v":{"$error":"#VALUE!"}}]
["Max_Profit",null,null,null,null,null,null,{"$f":"(ROR_Max)/(LevFact_Final06*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["Min_Profit",null,null,null,null,null,null,{"$f":"(ROR_Min)/(LevFact_Final06*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["UW_Profit",null,null,null,null,null,null,{"$f":"1-CredLossDCCE_perExp/Max_Premium-EffStd_Final06","v":{"$error":"#VALUE!"}}]
["Min_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final06-Min_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}}]
["Max_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final06-Max_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error35=\"\",Error36=\"\"),\"\",\"See Column H of Page '3.2YieldFIT' for errors that must be corrected.\")","v":"See Column H of Page '3.2YieldFIT' for errors that must be corrected."}]
["Min_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Min_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error38=\"\",\"\",\"See Column F of Page '4.2Excluded Exp' for errors that must be corrected.\")","v":"See Column F of Page '4.2Excluded Exp' for errors that must be corrected."}]
["Max_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error34=\"\",\"\",\"See Column I of Page '2.Summary' for errors that must be corrected.\")","v":"See Column I of Page '2.Summary' for errors that must be corrected."}]
["CHANGE_AT_MIN",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Min_Premium-Prem_Current)/Prem_Current,\"Error\")","v":"Error"},{"$f":"IF(AND(Error00=\"\",Error01=\"\",Error02=\"\",Error03=\"\",Error04=\"\",Error05=\"\",Error06=\"\",Error07=\"\",Error08=\"\",Error09=\"\",Error10=\"\",Error11=\"\",Error12=\"\",Error13=\"\",Error14=\"\",Error15=\"\",Error16=\"\",Error37=\"\"),\"\",\"See Column J of Page '1.General' for errors that must be corrected.\")","v":"See Column J of Page '1.General' for errors that must be corrected."}]
["CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Max_Premium-Prem_Current)/Prem_Current, \"Error\")","v":"Error"},{"$f":"IF(AND('6.6Ratemaking Data'!Error17=\"\",'6.6Ratemaking Data'!Error18=\"\",'6.6Ratemaking Data'!Error19=\"\",'6.6Ratemaking Data'!Error20=\"\",'6.6Ratemaking Data'!Error21=\"\",'6.6Ratemaking Data'!Error22=\"\",'6.6Ratemaking Data'!Error23=\"\",'6.6Ratemaking Data'!Error24=\"\",'6.6Ratemaking Data'!Error25=\"\",'6.6Ratemaking Data'!Error26=\"\",'6.6Ratemaking Data'!Error27=\"\",'6.6Ratemaking Data'!Error28=\"\",'6.6Ratemaking Data'!Error29=\"\"),\"\",\"See Column M of Page '6.6Ratemaking Data' for errors that must be corrected.\")","v":"See Column M of Page '6.6Ratemaking Data' for errors that must be corrected."}]
[]
["Reinsurance Calculations",{"$f":"'6.6Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.6Ratemaking Data'!I$14","v":0}]
["Comm_Rate",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.6Ratemaking Data'!J44),\"\",'6.6Ratemaking Data'!J44)","v":""}]
["Rein_Prem",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D45),\"\",'6.6Ratemaking Data'!D45)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E45),\"\",'6.6Ratemaking Data'!E45)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F45),\"\",'6.6Ratemaking Data'!F45)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G45),\"\",'6.6Ratemaking Data'!G45)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H45),\"\",'6.6Ratemaking Data'!H45)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I45),\"\",'6.6Ratemaking Data'!I45)","v":""},{"$f":"IF(RIGHT(Detailed_LineCode06,1)=\"R\",IF(New_Program=TRUE,'6.6Ratemaking Data'!$K$45,SUM($B73:$G73)),\"\")","v":""}]
["Rein_Recov",{"$f":"IF(ISBLANK('6.6Ratemaking Data'!D46),\"\",'6.6Ratemaking Data'!D46)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!E46),\"\",'6.6Ratemaking Data'!E46)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!F46),\"\",'6.6Ratemaking Data'!F46)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!G46),\"\",'6.6Ratemaking Data'!G46)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!H46),\"\",'6.6Ratemaking Data'!H46)","v":""},{"$f":"IF(ISBLANK('6.6Ratemaking Data'!I46),\"\",'6.6Ratemaking Data'!I46)","v":""},{"$f":"IF(New_Program=TRUE,'6.6Ratemaking Data'!$K$46,SUM($B74:$G74))","v":0}]
["ReinPrem_perExp",{"$f":"IF(ISERROR(Rein_Prem/Exposures_Earned),\"\",Rein_Prem/Exposures_Earned)","v":""},"","","","","",""]
["ReinRec_perExp",{"$f":"IF(ISERROR(Rein_Recov/Exposures_Earned),\"\",Rein_Recov/Exposures_Earned)","v":""},"","","","","",""]
["CompLoss_Rein",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed))","v":""},"","","","","",""]
["ReinMax_Premium",null,null,null,null,null,null,{"$f":"IF(H73=0,NA(),((((Credibility*(LossDCCE_perExp-ReinRec_perExp))+(1-Credibility)*CompLoss_Rein)*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom)+ReinPrem_perExp/(1-Comm_Rate-PremTaxRate))","v":{"$error":"#VALUE!"}}]
["Rein_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I79=\"\",IF($H$73=0,NA(),(ReinMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND('6.6Ratemaking Data'!Error30=\"\",'6.6Ratemaking Data'!Error31=\"\",'6.6Ratemaking Data'!Error32=\"\"),\"\",\"See Column M of Page '6.6Ratemaking Data' for errors that must be corrected.\")","v":""}]
[]
["Standard NCOR Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["CommBrkRate_Wtd",null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
["ExpFact_Var",null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
["Std_NCOR_perExp",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.6Ratemaking Data'!J52),\"\",'6.6Ratemaking Data'!J52)","v":""}]
["NCORMax_Premium",null,null,null,null,null,null,{"$f":"IF(H84=0,NA(),Max_Premium+Std_NCOR_perExp/(1-ExpFact_Var))","v":{"$error":"#VALUE!"}}]
["NCOR_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I86=\"\",IF($H$85=0,NA(),(NCORMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error40=\"\",'6.6Ratemaking Data'!Error39=\"\"),\"\",\"See either Column M of Page '6.6Ratemaking Data' or '1.General' for errors that must be corrected.\")","v":""}]
[null,null,null,null,null,"Go to 6.6Ratemaking Data"]

{"sheet":"7.7Rate Change Calculation","index":26,"n_rows":87,"n_cols":9,"rows_kept":87,"cut":false,"hidden":true,"merged":[[86,5,86,7]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[{"$f":"IF('6.7Ratemaking Data'!$K$7=\"\",\"VARIANCE - NONE\",\"VARIANCE \"&'6.7Ratemaking Data'!$K$7)","v":"VARIANCE - NONE"}]
["RATE CHANGE CALCULATION"]
[]
["Completed by:",null,null,null,null,null,null,{"$f":"Completed_By","v":""}]
["Date Completed:",null,null,null,null,null,null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Prior07","v":""}]
["Proposed Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Proposed","v":""}]
["Detailed Line Description:",null,null,null,null,null,null,{"$f":"Detailed_LineDesc07","v":""}]
["Coverage:",null,null,null,null,null,null,{"$f":"Covg07","v":""}]
[]
[]
["Data Provided by Filer",{"$f":"'6.7Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!I$14","v":0},"Projected"]
["Prem_Written",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D15),\"\",'6.7Ratemaking Data'!D15)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E15),\"\",'6.7Ratemaking Data'!E15)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F15),\"\",'6.7Ratemaking Data'!F15)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G15),\"\",'6.7Ratemaking Data'!G15)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H15),\"\",'6.7Ratemaking Data'!H15)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I15),\"\",'6.7Ratemaking Data'!I15)","v":""},{"$f":"IF(New_Program=TRUE,'6.7Ratemaking Data'!$K$15,SUM($B16:$G16))","v":0}]
["Prem_Earned",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D16),\"\",'6.7Ratemaking Data'!D16)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E16),\"\",'6.7Ratemaking Data'!E16)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F16),\"\",'6.7Ratemaking Data'!F16)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G16),\"\",'6.7Ratemaking Data'!G16)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H16),\"\",'6.7Ratemaking Data'!H16)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I16),\"\",'6.7Ratemaking Data'!I16)","v":""},{"$f":"IF(New_Program=TRUE,'6.7Ratemaking Data'!$K$16,SUM($B17:$G17))","v":0}]
["Prem_Adj",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D17),\"\",'6.7Ratemaking Data'!D17)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E17),\"\",'6.7Ratemaking Data'!E17)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F17),\"\",'6.7Ratemaking Data'!F17)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G17),\"\",'6.7Ratemaking Data'!G17)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H17),\"\",'6.7Ratemaking Data'!H17)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I17),\"\",'6.7Ratemaking Data'!I17)","v":""}]
["Prem_Trend",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D18),\"\",'6.7Ratemaking Data'!D18)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E18),\"\",'6.7Ratemaking Data'!E18)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F18),\"\",'6.7Ratemaking Data'!F18)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G18),\"\",'6.7Ratemaking Data'!G18)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H18),\"\",'6.7Ratemaking Data'!H18)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I18),\"\",'6.7Ratemaking Data'!I18)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.7Ratemaking Data'!$J$18)","v":0}]
["Misc_Fees",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D19),\"\",'6.7Ratemaking Data'!D19)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E19),\"\",'6.7Ratemaking Data'!E19)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F19),\"\",'6.7Ratemaking Data'!F19)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G19),\"\",'6.7Ratemaking Data'!G19)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H19),\"\",'6.7Ratemaking Data'!H19)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I19),\"\",'6.7Ratemaking Data'!I19)","v":""},{"$f":"IF(New_Program=TRUE,'6.7Ratemaking Data'!$K$19,SUM($B20:$G20))","v":0}]
["Exposures_Earned",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D20),\"\",'6.7Ratemaking Data'!D20)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E20),\"\",'6.7Ratemaking Data'!E20)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F20),\"\",'6.7Ratemaking Data'!F20)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G20),\"\",'6.7Ratemaking Data'!G20)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H20),\"\",'6.7Ratemaking Data'!H20)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I20),\"\",'6.7Ratemaking Data'!I20)","v":""},{"$f":"IF(New_Program=TRUE,'6.7Ratemaking Data'!$K$20,SUM($B21:$G21))","v":0}]
["Losses",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D21),\"\",'6.7Ratemaking Data'!D21)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E21),\"\",'6.7Ratemaking Data'!E21)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F21),\"\",'6.7Ratemaking Data'!F21)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G21),\"\",'6.7Ratemaking Data'!G21)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H21),\"\",'6.7Ratemaking Data'!H21)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I21),\"\",'6.7Ratemaking Data'!I21)","v":""},{"$f":"IF(New_Program=TRUE,'6.7Ratemaking Data'!$K$21,SUM($B22:$G22))","v":0}]
["DCCE",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D22),\"\",'6.7Ratemaking Data'!D22)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E22),\"\",'6.7Ratemaking Data'!E22)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F22),\"\",'6.7Ratemaking Data'!F22)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G22),\"\",'6.7Ratemaking Data'!G22)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H22),\"\",'6.7Ratemaking Data'!H22)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I22),\"\",'6.7Ratemaking Data'!I22)","v":""},{"$f":"IF(New_Program=TRUE,'6.7Ratemaking Data'!$K$22,SUM($B23:$G23))","v":0}]
["Loss_Devt",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D23),\"\",'6.7Ratemaking Data'!D23)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E23),\"\",'6.7Ratemaking Data'!E23)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F23),\"\",'6.7Ratemaking Data'!F23)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G23),\"\",'6.7Ratemaking Data'!G23)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H23),\"\",'6.7Ratemaking Data'!H23)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I23),\"\",'6.7Ratemaking Data'!I23)","v":""}]
["DCCE_Devt",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D24),\"\",'6.7Ratemaking Data'!D24)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E24),\"\",'6.7Ratemaking Data'!E24)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F24),\"\",'6.7Ratemaking Data'!F24)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G24),\"\",'6.7Ratemaking Data'!G24)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H24),\"\",'6.7Ratemaking Data'!H24)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I24),\"\",'6.7Ratemaking Data'!I24)","v":""}]
["Loss_Trend",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D25),\"\",'6.7Ratemaking Data'!D25)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E25),\"\",'6.7Ratemaking Data'!E25)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F25),\"\",'6.7Ratemaking Data'!F25)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G25),\"\",'6.7Ratemaking Data'!G25)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H25),\"\",'6.7Ratemaking Data'!H25)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I25),\"\",'6.7Ratemaking Data'!I25)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.7Ratemaking Data'!$J$25)","v":0}]
["DCCE_Trend",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D26),\"\",'6.7Ratemaking Data'!D26)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E26),\"\",'6.7Ratemaking Data'!E26)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F26),\"\",'6.7Ratemaking Data'!F26)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G26),\"\",'6.7Ratemaking Data'!G26)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H26),\"\",'6.7Ratemaking Data'!H26)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I26),\"\",'6.7Ratemaking Data'!I26)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.7Ratemaking Data'!$J$26)","v":0}]
["CAT_Adj",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D27),\"\",'6.7Ratemaking Data'!D27)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E27),\"\",'6.7Ratemaking Data'!E27)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F27),\"\",'6.7Ratemaking Data'!F27)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G27),\"\",'6.7Ratemaking Data'!G27)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H27),\"\",'6.7Ratemaking Data'!H27)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I27),\"\",'6.7Ratemaking Data'!I27)","v":""}]
["Anc_Income",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D29),\"\",'6.7Ratemaking Data'!D29)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E29),\"\",'6.7Ratemaking Data'!E29)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F29),\"\",'6.7Ratemaking Data'!F29)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G29),\"\",'6.7Ratemaking Data'!G29)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H29),\"\",'6.7Ratemaking Data'!H29)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I29),\"\",'6.7Ratemaking Data'!I29)","v":""},{"$f":"IF(New_Program=TRUE,'6.7Ratemaking Data'!$K$29,SUM($B29:$G29))","v":0}]
["Credibility",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,100%,'6.7Ratemaking Data'!$J$28)","v":0}]
["ExpRatio_Excluded",null,null,null,null,null,null,{"$f":"ExpRatio_Excluded","v":0}]
["FIT_Inv",null,null,null,null,null,null,{"$f":"FIT_Inv","v":""}]
["Yield",null,null,null,null,null,null,{"$f":"Yield","v":""}]
[]
["CDI Parameters"]
["FIT_UW",null,null,null,null,null,null,{"$f":"FIT_UW","v":0.21}]
["EffStd_Final",null,null,null,null,"Data as of:",{"$f":"update_effstd","v":2023},{"$f":"EffStd_Final07","v":""}]
["LevFact_Final",null,null,null,null,"Data as of:",{"$f":"update_leverage","v":2023},{"$f":"LevFact_Final07","v":""}]
["PremTaxRate",null,null,null,null,null,null,{"$f":"PremTaxRate","v":2.35E-2}]
["SurplusRatio",null,null,null,null,null,null,{"$f":"1/LevFact_Final07","v":{"$error":"#VALUE!"}}]
["ResRatio_UPR",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_UPR07","v":""}]
["ResRatio_Loss",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_Loss07","v":""}]
["ROR_RiskFree",null,null,null,null,"Data as of:",{"$f":"ROR_RiskFree_Date","v":"April 2025"},{"$f":"ROR_RiskFree","v":4.3800000000000006E-2},"Note: The latest ROR information can be found in the CDI Parameters tab. "]
["ROR_Min",null,null,null,null,null,null,{"$f":"ROR_Min","v":-0.06}]
["ROR_Max",null,null,null,null,null,null,{"$f":"ROR_Max","v":0.1038}]
[]
["Calculations",{"$f":"'6.7Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!I$14","v":0}]
["Prem_Adjusted",{"$f":"IF(ISERROR(Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees),\"\",Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,(Prem_Earned+Misc_Fees),SUM($B48:$G48))","v":0}]
["Losses_Adjusted",{"$f":"IF(ISERROR(Losses*Loss_Devt*CAT_Adj*Loss_Trend),\"\",Losses*Loss_Devt*CAT_Adj*Loss_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,Losses,SUM($B49:$G49))","v":0}]
["DCCE_Adjusted",{"$f":"IF(ISERROR(DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend),\"\",DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,DCCE,SUM($B50:$G50))","v":0}]
["LossDCCERatio_Adjusted",{"$f":"IF(ISERROR((B49+B50)/B48),\"\",(B49+B50)/B48)","v":""},"","","","","",""]
["TCRLP_perExp",{"$f":"IF(ISERROR(Prem_Adjusted/Exposures_Earned),\"\",Prem_Adjusted/Exposures_Earned)","v":""},"","","","","",""]
["LossDCCE_perExp",{"$f":"IF(ISERROR((Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned),\"\",(Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned)","v":""},"","","","","",""]
["CompLossDCCE_perExp",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed))","v":""},"","","","","",""]
["CredLoss_perExp",{"$f":"IF(ISERROR(Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp),\"\",Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp)","v":""},"","","","","",""]
["Anc_Inc_perExp",{"$f":"IF(ISERROR(Anc_Income/Exposures_Earned),\"\",Anc_Income/Exposures_Earned)","v":""},"","","","","",""]
["InvInc_Fixed",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*ResRatio_Loss07","v":{"$error":"#VALUE!"}}]
["InvInc_Variable",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*(ResRatio_UPR07+SurplusRatio)","v":{"$error":"#VALUE!"}}]
["Net_AnnualTrend",null,null,null,null,null,null,{"$f":"(1+Loss_AnnualTrend)/(1+Prem_AnnualTrend)-1","v":0}]
["Comp_Trend",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,0,(1+Net_AnnualTrend)^MIN(4,((EffDate_Proposed-EffDate_Prior07)/365.25))-1)","v":{"$error":"#VALUE!"}}]
["Max_Profit",null,null,null,null,null,null,{"$f":"(ROR_Max)/(LevFact_Final07*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["Min_Profit",null,null,null,null,null,null,{"$f":"(ROR_Min)/(LevFact_Final07*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["UW_Profit",null,null,null,null,null,null,{"$f":"1-CredLossDCCE_perExp/Max_Premium-EffStd_Final07","v":{"$error":"#VALUE!"}}]
["Min_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final07-Min_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}}]
["Max_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final07-Max_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error35=\"\",Error36=\"\"),\"\",\"See Column H of Page '3.2YieldFIT' for errors that must be corrected.\")","v":"See Column H of Page '3.2YieldFIT' for errors that must be corrected."}]
["Min_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Min_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error38=\"\",\"\",\"See Column F of Page '4.2Excluded Exp' for errors that must be corrected.\")","v":"See Column F of Page '4.2Excluded Exp' for errors that must be corrected."}]
["Max_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error34=\"\",\"\",\"See Column I of Page '2.Summary' for errors that must be corrected.\")","v":"See Column I of Page '2.Summary' for errors that must be corrected."}]
["CHANGE_AT_MIN",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Min_Premium-Prem_Current)/Prem_Current,\"Error\")","v":"Error"},{"$f":"IF(AND(Error00=\"\",Error01=\"\",Error02=\"\",Error03=\"\",Error04=\"\",Error05=\"\",Error06=\"\",Error07=\"\",Error08=\"\",Error09=\"\",Error10=\"\",Error11=\"\",Error12=\"\",Error13=\"\",Error14=\"\",Error15=\"\",Error16=\"\",Error37=\"\"),\"\",\"See Column J of Page '1.General' for errors that must be corrected.\")","v":"See Column J of Page '1.General' for errors that must be corrected."}]
["CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Max_Premium-Prem_Current)/Prem_Current, \"Error\")","v":"Error"},{"$f":"IF(AND('6.7Ratemaking Data'!Error17=\"\",'6.7Ratemaking Data'!Error18=\"\",'6.7Ratemaking Data'!Error19=\"\",'6.7Ratemaking Data'!Error20=\"\",'6.7Ratemaking Data'!Error21=\"\",'6.7Ratemaking Data'!Error22=\"\",'6.7Ratemaking Data'!Error23=\"\",'6.7Ratemaking Data'!Error24=\"\",'6.7Ratemaking Data'!Error25=\"\",'6.7Ratemaking Data'!Error26=\"\",'6.7Ratemaking Data'!Error27=\"\",'6.7Ratemaking Data'!Error28=\"\",'6.7Ratemaking Data'!Error29=\"\"),\"\",\"See Column M of Page '6.7Ratemaking Data' for errors that must be corrected.\")","v":"See Column M of Page '6.7Ratemaking Data' for errors that must be corrected."}]
[]
["Reinsurance Calculations",{"$f":"'6.7Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.7Ratemaking Data'!I$14","v":0}]
["Comm_Rate",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.7Ratemaking Data'!J44),\"\",'6.7Ratemaking Data'!J44)","v":""}]
["Rein_Prem",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D45),\"\",'6.7Ratemaking Data'!D45)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E45),\"\",'6.7Ratemaking Data'!E45)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F45),\"\",'6.7Ratemaking Data'!F45)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G45),\"\",'6.7Ratemaking Data'!G45)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H45),\"\",'6.7Ratemaking Data'!H45)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I45),\"\",'6.7Ratemaking Data'!I45)","v":""},{"$f":"IF(RIGHT(Detailed_LineCode07,1)=\"R\",IF(New_Program=TRUE,'6.7Ratemaking Data'!$K$45,SUM($B73:$G73)),\"\")","v":""}]
["Rein_Recov",{"$f":"IF(ISBLANK('6.7Ratemaking Data'!D46),\"\",'6.7Ratemaking Data'!D46)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!E46),\"\",'6.7Ratemaking Data'!E46)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!F46),\"\",'6.7Ratemaking Data'!F46)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!G46),\"\",'6.7Ratemaking Data'!G46)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!H46),\"\",'6.7Ratemaking Data'!H46)","v":""},{"$f":"IF(ISBLANK('6.7Ratemaking Data'!I46),\"\",'6.7Ratemaking Data'!I46)","v":""},{"$f":"IF(New_Program=TRUE,'6.7Ratemaking Data'!$K$46,SUM($B74:$G74))","v":0}]
["ReinPrem_perExp",{"$f":"IF(ISERROR(Rein_Prem/Exposures_Earned),\"\",Rein_Prem/Exposures_Earned)","v":""},"","","","","",""]
["ReinRec_perExp",{"$f":"IF(ISERROR(Rein_Recov/Exposures_Earned),\"\",Rein_Recov/Exposures_Earned)","v":""},"","","","","",""]
["CompLoss_Rein",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed))","v":""},"","","","","",""]
["ReinMax_Premium",null,null,null,null,null,null,{"$f":"IF(H73=0,NA(),((((Credibility*(LossDCCE_perExp-ReinRec_perExp))+(1-Credibility)*CompLoss_Rein)*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom)+ReinPrem_perExp/(1-Comm_Rate-PremTaxRate))","v":{"$error":"#VALUE!"}}]
["Rein_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I79=\"\",IF($H$73=0,NA(),(ReinMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND('6.7Ratemaking Data'!Error30=\"\",'6.7Ratemaking Data'!Error31=\"\",'6.7Ratemaking Data'!Error32=\"\"),\"\",\"See Column M of Page '6.7Ratemaking Data' for errors that must be corrected.\")","v":""}]
[]
["Standard NCOR Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["CommBrkRate_Wtd",null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
["ExpFact_Var",null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
["Std_NCOR_perExp",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.7Ratemaking Data'!J52),\"\",'6.7Ratemaking Data'!J52)","v":""}]
["NCORMax_Premium",null,null,null,null,null,null,{"$f":"IF(H84=0,NA(),Max_Premium+Std_NCOR_perExp/(1-ExpFact_Var))","v":{"$error":"#VALUE!"}}]
["NCOR_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I86=\"\",IF($H$85=0,NA(),(NCORMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error40=\"\",'6.7Ratemaking Data'!Error39=\"\"),\"\",\"See either Column M of Page '6.7Ratemaking Data' or '1.General' for errors that must be corrected.\")","v":""}]
[null,null,null,null,null,"Go to 6.7Ratemaking Data"]

{"sheet":"7.8Rate Change Calculation","index":27,"n_rows":87,"n_cols":9,"rows_kept":87,"cut":false,"hidden":true,"merged":[[86,5,86,7]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[{"$f":"IF('6.8Ratemaking Data'!$K$7=\"\",\"VARIANCE - NONE\",\"VARIANCE \"&'6.8Ratemaking Data'!$K$7)","v":"VARIANCE - NONE"}]
["RATE CHANGE CALCULATION"]
[]
["Completed by:",null,null,null,null,null,null,{"$f":"Completed_By","v":""}]
["Date Completed:",null,null,null,null,null,null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Prior08","v":""}]
["Proposed Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Proposed","v":""}]
["Detailed Line Description:",null,null,null,null,null,null,{"$f":"Detailed_LineDesc08","v":""}]
["Coverage:",null,null,null,null,null,null,{"$f":"Covg08","v":""}]
[]
[]
["Data Provided by Filer",{"$f":"'6.8Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!I$14","v":0},"Projected"]
["Prem_Written",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D15),\"\",'6.8Ratemaking Data'!D15)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E15),\"\",'6.8Ratemaking Data'!E15)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F15),\"\",'6.8Ratemaking Data'!F15)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G15),\"\",'6.8Ratemaking Data'!G15)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H15),\"\",'6.8Ratemaking Data'!H15)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I15),\"\",'6.8Ratemaking Data'!I15)","v":""},{"$f":"IF(New_Program=TRUE,'6.8Ratemaking Data'!$K$15,SUM($B16:$G16))","v":0}]
["Prem_Earned",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D16),\"\",'6.8Ratemaking Data'!D16)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E16),\"\",'6.8Ratemaking Data'!E16)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F16),\"\",'6.8Ratemaking Data'!F16)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G16),\"\",'6.8Ratemaking Data'!G16)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H16),\"\",'6.8Ratemaking Data'!H16)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I16),\"\",'6.8Ratemaking Data'!I16)","v":""},{"$f":"IF(New_Program=TRUE,'6.8Ratemaking Data'!$K$16,SUM($B17:$G17))","v":0}]
["Prem_Adj",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D17),\"\",'6.8Ratemaking Data'!D17)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E17),\"\",'6.8Ratemaking Data'!E17)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F17),\"\",'6.8Ratemaking Data'!F17)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G17),\"\",'6.8Ratemaking Data'!G17)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H17),\"\",'6.8Ratemaking Data'!H17)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I17),\"\",'6.8Ratemaking Data'!I17)","v":""}]
["Prem_Trend",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D18),\"\",'6.8Ratemaking Data'!D18)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E18),\"\",'6.8Ratemaking Data'!E18)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F18),\"\",'6.8Ratemaking Data'!F18)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G18),\"\",'6.8Ratemaking Data'!G18)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H18),\"\",'6.8Ratemaking Data'!H18)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I18),\"\",'6.8Ratemaking Data'!I18)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.8Ratemaking Data'!$J$18)","v":0}]
["Misc_Fees",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D19),\"\",'6.8Ratemaking Data'!D19)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E19),\"\",'6.8Ratemaking Data'!E19)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F19),\"\",'6.8Ratemaking Data'!F19)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G19),\"\",'6.8Ratemaking Data'!G19)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H19),\"\",'6.8Ratemaking Data'!H19)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I19),\"\",'6.8Ratemaking Data'!I19)","v":""},{"$f":"IF(New_Program=TRUE,'6.8Ratemaking Data'!$K$19,SUM($B20:$G20))","v":0}]
["Exposures_Earned",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D20),\"\",'6.8Ratemaking Data'!D20)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E20),\"\",'6.8Ratemaking Data'!E20)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F20),\"\",'6.8Ratemaking Data'!F20)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G20),\"\",'6.8Ratemaking Data'!G20)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H20),\"\",'6.8Ratemaking Data'!H20)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I20),\"\",'6.8Ratemaking Data'!I20)","v":""},{"$f":"IF(New_Program=TRUE,'6.8Ratemaking Data'!$K$20,SUM($B21:$G21))","v":0}]
["Losses",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D21),\"\",'6.8Ratemaking Data'!D21)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E21),\"\",'6.8Ratemaking Data'!E21)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F21),\"\",'6.8Ratemaking Data'!F21)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G21),\"\",'6.8Ratemaking Data'!G21)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H21),\"\",'6.8Ratemaking Data'!H21)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I21),\"\",'6.8Ratemaking Data'!I21)","v":""},{"$f":"IF(New_Program=TRUE,'6.8Ratemaking Data'!$K$21,SUM($B22:$G22))","v":0}]
["DCCE",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D22),\"\",'6.8Ratemaking Data'!D22)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E22),\"\",'6.8Ratemaking Data'!E22)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F22),\"\",'6.8Ratemaking Data'!F22)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G22),\"\",'6.8Ratemaking Data'!G22)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H22),\"\",'6.8Ratemaking Data'!H22)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I22),\"\",'6.8Ratemaking Data'!I22)","v":""},{"$f":"IF(New_Program=TRUE,'6.8Ratemaking Data'!$K$22,SUM($B23:$G23))","v":0}]
["Loss_Devt",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D23),\"\",'6.8Ratemaking Data'!D23)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E23),\"\",'6.8Ratemaking Data'!E23)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F23),\"\",'6.8Ratemaking Data'!F23)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G23),\"\",'6.8Ratemaking Data'!G23)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H23),\"\",'6.8Ratemaking Data'!H23)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I23),\"\",'6.8Ratemaking Data'!I23)","v":""}]
["DCCE_Devt",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D24),\"\",'6.8Ratemaking Data'!D24)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E24),\"\",'6.8Ratemaking Data'!E24)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F24),\"\",'6.8Ratemaking Data'!F24)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G24),\"\",'6.8Ratemaking Data'!G24)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H24),\"\",'6.8Ratemaking Data'!H24)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I24),\"\",'6.8Ratemaking Data'!I24)","v":""}]
["Loss_Trend",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D25),\"\",'6.8Ratemaking Data'!D25)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E25),\"\",'6.8Ratemaking Data'!E25)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F25),\"\",'6.8Ratemaking Data'!F25)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G25),\"\",'6.8Ratemaking Data'!G25)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H25),\"\",'6.8Ratemaking Data'!H25)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I25),\"\",'6.8Ratemaking Data'!I25)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.8Ratemaking Data'!$J$25)","v":0}]
["DCCE_Trend",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D26),\"\",'6.8Ratemaking Data'!D26)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E26),\"\",'6.8Ratemaking Data'!E26)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F26),\"\",'6.8Ratemaking Data'!F26)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G26),\"\",'6.8Ratemaking Data'!G26)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H26),\"\",'6.8Ratemaking Data'!H26)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I26),\"\",'6.8Ratemaking Data'!I26)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.8Ratemaking Data'!$J$26)","v":0}]
["CAT_Adj",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D27),\"\",'6.8Ratemaking Data'!D27)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E27),\"\",'6.8Ratemaking Data'!E27)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F27),\"\",'6.8Ratemaking Data'!F27)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G27),\"\",'6.8Ratemaking Data'!G27)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H27),\"\",'6.8Ratemaking Data'!H27)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I27),\"\",'6.8Ratemaking Data'!I27)","v":""}]
["Anc_Income",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D29),\"\",'6.8Ratemaking Data'!D29)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E29),\"\",'6.8Ratemaking Data'!E29)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F29),\"\",'6.8Ratemaking Data'!F29)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G29),\"\",'6.8Ratemaking Data'!G29)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H29),\"\",'6.8Ratemaking Data'!H29)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I29),\"\",'6.8Ratemaking Data'!I29)","v":""},{"$f":"IF(New_Program=TRUE,'6.8Ratemaking Data'!$K$29,SUM($B29:$G29))","v":0}]
["Credibility",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,100%,'6.8Ratemaking Data'!$J$28)","v":0}]
["ExpRatio_Excluded",null,null,null,null,null,null,{"$f":"ExpRatio_Excluded","v":0}]
["FIT_Inv",null,null,null,null,null,null,{"$f":"FIT_Inv","v":""}]
["Yield",null,null,null,null,null,null,{"$f":"Yield","v":""}]
[]
["CDI Parameters"]
["FIT_UW",null,null,null,null,null,null,{"$f":"FIT_UW","v":0.21}]
["EffStd_Final",null,null,null,null,"Data as of:",{"$f":"update_effstd","v":2023},{"$f":"EffStd_Final08","v":""}]
["LevFact_Final",null,null,null,null,"Data as of:",{"$f":"update_leverage","v":2023},{"$f":"LevFact_Final08","v":""}]
["PremTaxRate",null,null,null,null,null,null,{"$f":"PremTaxRate","v":2.35E-2}]
["SurplusRatio",null,null,null,null,null,null,{"$f":"1/LevFact_Final08","v":{"$error":"#VALUE!"}}]
["ResRatio_UPR",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_UPR08","v":""}]
["ResRatio_Loss",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_Loss08","v":""}]
["ROR_RiskFree",null,null,null,null,"Data as of:",{"$f":"ROR_RiskFree_Date","v":"April 2025"},{"$f":"ROR_RiskFree","v":4.3800000000000006E-2},"Note: The latest ROR information can be found in the CDI Parameters tab. "]
["ROR_Min",null,null,null,null,null,null,{"$f":"ROR_Min","v":-0.06}]
["ROR_Max",null,null,null,null,null,null,{"$f":"ROR_Max","v":0.1038}]
[]
["Calculations",{"$f":"'6.8Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!I$14","v":0}]
["Prem_Adjusted",{"$f":"IF(ISERROR(Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees),\"\",Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,(Prem_Earned+Misc_Fees),SUM($B48:$G48))","v":0}]
["Losses_Adjusted",{"$f":"IF(ISERROR(Losses*Loss_Devt*CAT_Adj*Loss_Trend),\"\",Losses*Loss_Devt*CAT_Adj*Loss_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,Losses,SUM($B49:$G49))","v":0}]
["DCCE_Adjusted",{"$f":"IF(ISERROR(DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend),\"\",DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,DCCE,SUM($B50:$G50))","v":0}]
["LossDCCERatio_Adjusted",{"$f":"IF(ISERROR((B49+B50)/B48),\"\",(B49+B50)/B48)","v":""},"","","","","",""]
["TCRLP_perExp",{"$f":"IF(ISERROR(Prem_Adjusted/Exposures_Earned),\"\",Prem_Adjusted/Exposures_Earned)","v":""},"","","","","",""]
["LossDCCE_perExp",{"$f":"IF(ISERROR((Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned),\"\",(Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned)","v":""},"","","","","",""]
["CompLossDCCE_perExp",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed))","v":""},"","","","","",""]
["CredLoss_perExp",{"$f":"IF(ISERROR(Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp),\"\",Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp)","v":""},"","","","","",""]
["Anc_Inc_perExp",{"$f":"IF(ISERROR(Anc_Income/Exposures_Earned),\"\",Anc_Income/Exposures_Earned)","v":""},"","","","","",""]
["InvInc_Fixed",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*ResRatio_Loss08","v":{"$error":"#VALUE!"}}]
["InvInc_Variable",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*(ResRatio_UPR08+SurplusRatio)","v":{"$error":"#VALUE!"}}]
["Net_AnnualTrend",null,null,null,null,null,null,{"$f":"(1+Loss_AnnualTrend)/(1+Prem_AnnualTrend)-1","v":0}]
["Comp_Trend",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,0,(1+Net_AnnualTrend)^MIN(4,((EffDate_Proposed-EffDate_Prior08)/365.25))-1)","v":{"$error":"#VALUE!"}}]
["Max_Profit",null,null,null,null,null,null,{"$f":"(ROR_Max)/(LevFact_Final08*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["Min_Profit",null,null,null,null,null,null,{"$f":"(ROR_Min)/(LevFact_Final08*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["UW_Profit",null,null,null,null,null,null,{"$f":"1-CredLossDCCE_perExp/Max_Premium-EffStd_Final08","v":{"$error":"#VALUE!"}}]
["Min_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final08-Min_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}}]
["Max_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final08-Max_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error35=\"\",Error36=\"\"),\"\",\"See Column H of Page '3.2YieldFIT' for errors that must be corrected.\")","v":"See Column H of Page '3.2YieldFIT' for errors that must be corrected."}]
["Min_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Min_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error38=\"\",\"\",\"See Column F of Page '4.2Excluded Exp' for errors that must be corrected.\")","v":"See Column F of Page '4.2Excluded Exp' for errors that must be corrected."}]
["Max_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error34=\"\",\"\",\"See Column I of Page '2.Summary' for errors that must be corrected.\")","v":"See Column I of Page '2.Summary' for errors that must be corrected."}]
["CHANGE_AT_MIN",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Min_Premium-Prem_Current)/Prem_Current,\"Error\")","v":"Error"},{"$f":"IF(AND(Error00=\"\",Error01=\"\",Error02=\"\",Error03=\"\",Error04=\"\",Error05=\"\",Error06=\"\",Error07=\"\",Error08=\"\",Error09=\"\",Error10=\"\",Error11=\"\",Error12=\"\",Error13=\"\",Error14=\"\",Error15=\"\",Error16=\"\",Error37=\"\"),\"\",\"See Column J of Page '1.General' for errors that must be corrected.\")","v":"See Column J of Page '1.General' for errors that must be corrected."}]
["CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Max_Premium-Prem_Current)/Prem_Current, \"Error\")","v":"Error"},{"$f":"IF(AND('6.8Ratemaking Data'!Error17=\"\",'6.8Ratemaking Data'!Error18=\"\",'6.8Ratemaking Data'!Error19=\"\",'6.8Ratemaking Data'!Error20=\"\",'6.8Ratemaking Data'!Error21=\"\",'6.8Ratemaking Data'!Error22=\"\",'6.8Ratemaking Data'!Error23=\"\",'6.8Ratemaking Data'!Error24=\"\",'6.8Ratemaking Data'!Error25=\"\",'6.8Ratemaking Data'!Error26=\"\",'6.8Ratemaking Data'!Error27=\"\",'6.8Ratemaking Data'!Error28=\"\",'6.8Ratemaking Data'!Error29=\"\"),\"\",\"See Column M of Page '6.8Ratemaking Data' for errors that must be corrected.\")","v":"See Column M of Page '6.8Ratemaking Data' for errors that must be corrected."}]
[]
["Reinsurance Calculations",{"$f":"'6.8Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.8Ratemaking Data'!I$14","v":0}]
["Comm_Rate",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.8Ratemaking Data'!J44),\"\",'6.8Ratemaking Data'!J44)","v":""}]
["Rein_Prem",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D45),\"\",'6.8Ratemaking Data'!D45)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E45),\"\",'6.8Ratemaking Data'!E45)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F45),\"\",'6.8Ratemaking Data'!F45)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G45),\"\",'6.8Ratemaking Data'!G45)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H45),\"\",'6.8Ratemaking Data'!H45)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I45),\"\",'6.8Ratemaking Data'!I45)","v":""},{"$f":"IF(RIGHT(Detailed_LineCode08,1)=\"R\",IF(New_Program=TRUE,'6.8Ratemaking Data'!$K$45,SUM($B73:$G73)),\"\")","v":""}]
["Rein_Recov",{"$f":"IF(ISBLANK('6.8Ratemaking Data'!D46),\"\",'6.8Ratemaking Data'!D46)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!E46),\"\",'6.8Ratemaking Data'!E46)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!F46),\"\",'6.8Ratemaking Data'!F46)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!G46),\"\",'6.8Ratemaking Data'!G46)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!H46),\"\",'6.8Ratemaking Data'!H46)","v":""},{"$f":"IF(ISBLANK('6.8Ratemaking Data'!I46),\"\",'6.8Ratemaking Data'!I46)","v":""},{"$f":"IF(New_Program=TRUE,'6.8Ratemaking Data'!$K$46,SUM($B74:$G74))","v":0}]
["ReinPrem_perExp",{"$f":"IF(ISERROR(Rein_Prem/Exposures_Earned),\"\",Rein_Prem/Exposures_Earned)","v":""},"","","","","",""]
["ReinRec_perExp",{"$f":"IF(ISERROR(Rein_Recov/Exposures_Earned),\"\",Rein_Recov/Exposures_Earned)","v":""},"","","","","",""]
["CompLoss_Rein",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed))","v":""},"","","","","",""]
["ReinMax_Premium",null,null,null,null,null,null,{"$f":"IF(H73=0,NA(),((((Credibility*(LossDCCE_perExp-ReinRec_perExp))+(1-Credibility)*CompLoss_Rein)*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom)+ReinPrem_perExp/(1-Comm_Rate-PremTaxRate))","v":{"$error":"#VALUE!"}}]
["Rein_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I79=\"\",IF($H$73=0,NA(),(ReinMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND('6.8Ratemaking Data'!Error30=\"\",'6.8Ratemaking Data'!Error31=\"\",'6.8Ratemaking Data'!Error32=\"\"),\"\",\"See Column M of Page '6.8Ratemaking Data' for errors that must be corrected.\")","v":""}]
[]
["Standard NCOR Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["CommBrkRate_Wtd",null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
["ExpFact_Var",null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
["Std_NCOR_perExp",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.8Ratemaking Data'!J52),\"\",'6.8Ratemaking Data'!J52)","v":""}]
["NCORMax_Premium",null,null,null,null,null,null,{"$f":"IF(H84=0,NA(),Max_Premium+Std_NCOR_perExp/(1-ExpFact_Var))","v":{"$error":"#VALUE!"}}]
["NCOR_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I86=\"\",IF($H$85=0,NA(),(NCORMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error40=\"\",'6.8Ratemaking Data'!Error39=\"\"),\"\",\"See either Column M of Page '6.8Ratemaking Data' or '1.General' for errors that must be corrected.\")","v":""}]
[null,null,null,null,null,"Go to 6.8Ratemaking Data"]

{"sheet":"7.9Rate Change Calculation","index":28,"n_rows":87,"n_cols":9,"rows_kept":87,"cut":false,"hidden":true,"merged":[[86,5,86,7]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[{"$f":"IF('6.9Ratemaking Data'!$K$7=\"\",\"VARIANCE - NONE\",\"VARIANCE \"&'6.9Ratemaking Data'!$K$7)","v":"VARIANCE - NONE"}]
["RATE CHANGE CALCULATION"]
[]
["Completed by:",null,null,null,null,null,null,{"$f":"Completed_By","v":""}]
["Date Completed:",null,null,null,null,null,null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Prior09","v":""}]
["Proposed Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Proposed","v":""}]
["Detailed Line Description:",null,null,null,null,null,null,{"$f":"Detailed_LineDesc09","v":""}]
["Coverage:",null,null,null,null,null,null,{"$f":"Covg09","v":""}]
[]
[]
["Data Provided by Filer",{"$f":"'6.9Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!I$14","v":0},"Projected"]
["Prem_Written",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D15),\"\",'6.9Ratemaking Data'!D15)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E15),\"\",'6.9Ratemaking Data'!E15)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F15),\"\",'6.9Ratemaking Data'!F15)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G15),\"\",'6.9Ratemaking Data'!G15)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H15),\"\",'6.9Ratemaking Data'!H15)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I15),\"\",'6.9Ratemaking Data'!I15)","v":""},{"$f":"IF(New_Program=TRUE,'6.9Ratemaking Data'!$K$15,SUM($B16:$G16))","v":0}]
["Prem_Earned",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D16),\"\",'6.9Ratemaking Data'!D16)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E16),\"\",'6.9Ratemaking Data'!E16)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F16),\"\",'6.9Ratemaking Data'!F16)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G16),\"\",'6.9Ratemaking Data'!G16)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H16),\"\",'6.9Ratemaking Data'!H16)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I16),\"\",'6.9Ratemaking Data'!I16)","v":""},{"$f":"IF(New_Program=TRUE,'6.9Ratemaking Data'!$K$16,SUM($B17:$G17))","v":0}]
["Prem_Adj",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D17),\"\",'6.9Ratemaking Data'!D17)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E17),\"\",'6.9Ratemaking Data'!E17)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F17),\"\",'6.9Ratemaking Data'!F17)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G17),\"\",'6.9Ratemaking Data'!G17)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H17),\"\",'6.9Ratemaking Data'!H17)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I17),\"\",'6.9Ratemaking Data'!I17)","v":""}]
["Prem_Trend",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D18),\"\",'6.9Ratemaking Data'!D18)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E18),\"\",'6.9Ratemaking Data'!E18)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F18),\"\",'6.9Ratemaking Data'!F18)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G18),\"\",'6.9Ratemaking Data'!G18)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H18),\"\",'6.9Ratemaking Data'!H18)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I18),\"\",'6.9Ratemaking Data'!I18)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.9Ratemaking Data'!$J$18)","v":0}]
["Misc_Fees",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D19),\"\",'6.9Ratemaking Data'!D19)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E19),\"\",'6.9Ratemaking Data'!E19)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F19),\"\",'6.9Ratemaking Data'!F19)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G19),\"\",'6.9Ratemaking Data'!G19)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H19),\"\",'6.9Ratemaking Data'!H19)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I19),\"\",'6.9Ratemaking Data'!I19)","v":""},{"$f":"IF(New_Program=TRUE,'6.9Ratemaking Data'!$K$19,SUM($B20:$G20))","v":0}]
["Exposures_Earned",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D20),\"\",'6.9Ratemaking Data'!D20)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E20),\"\",'6.9Ratemaking Data'!E20)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F20),\"\",'6.9Ratemaking Data'!F20)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G20),\"\",'6.9Ratemaking Data'!G20)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H20),\"\",'6.9Ratemaking Data'!H20)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I20),\"\",'6.9Ratemaking Data'!I20)","v":""},{"$f":"IF(New_Program=TRUE,'6.9Ratemaking Data'!$K$20,SUM($B21:$G21))","v":0}]
["Losses",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D21),\"\",'6.9Ratemaking Data'!D21)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E21),\"\",'6.9Ratemaking Data'!E21)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F21),\"\",'6.9Ratemaking Data'!F21)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G21),\"\",'6.9Ratemaking Data'!G21)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H21),\"\",'6.9Ratemaking Data'!H21)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I21),\"\",'6.9Ratemaking Data'!I21)","v":""},{"$f":"IF(New_Program=TRUE,'6.9Ratemaking Data'!$K$21,SUM($B22:$G22))","v":0}]
["DCCE",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D22),\"\",'6.9Ratemaking Data'!D22)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E22),\"\",'6.9Ratemaking Data'!E22)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F22),\"\",'6.9Ratemaking Data'!F22)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G22),\"\",'6.9Ratemaking Data'!G22)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H22),\"\",'6.9Ratemaking Data'!H22)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I22),\"\",'6.9Ratemaking Data'!I22)","v":""},{"$f":"IF(New_Program=TRUE,'6.9Ratemaking Data'!$K$22,SUM($B23:$G23))","v":0}]
["Loss_Devt",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D23),\"\",'6.9Ratemaking Data'!D23)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E23),\"\",'6.9Ratemaking Data'!E23)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F23),\"\",'6.9Ratemaking Data'!F23)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G23),\"\",'6.9Ratemaking Data'!G23)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H23),\"\",'6.9Ratemaking Data'!H23)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I23),\"\",'6.9Ratemaking Data'!I23)","v":""}]
["DCCE_Devt",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D24),\"\",'6.9Ratemaking Data'!D24)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E24),\"\",'6.9Ratemaking Data'!E24)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F24),\"\",'6.9Ratemaking Data'!F24)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G24),\"\",'6.9Ratemaking Data'!G24)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H24),\"\",'6.9Ratemaking Data'!H24)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I24),\"\",'6.9Ratemaking Data'!I24)","v":""}]
["Loss_Trend",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D25),\"\",'6.9Ratemaking Data'!D25)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E25),\"\",'6.9Ratemaking Data'!E25)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F25),\"\",'6.9Ratemaking Data'!F25)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G25),\"\",'6.9Ratemaking Data'!G25)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H25),\"\",'6.9Ratemaking Data'!H25)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I25),\"\",'6.9Ratemaking Data'!I25)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.9Ratemaking Data'!$J$25)","v":0}]
["DCCE_Trend",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D26),\"\",'6.9Ratemaking Data'!D26)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E26),\"\",'6.9Ratemaking Data'!E26)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F26),\"\",'6.9Ratemaking Data'!F26)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G26),\"\",'6.9Ratemaking Data'!G26)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H26),\"\",'6.9Ratemaking Data'!H26)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I26),\"\",'6.9Ratemaking Data'!I26)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.9Ratemaking Data'!$J$26)","v":0}]
["CAT_Adj",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D27),\"\",'6.9Ratemaking Data'!D27)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E27),\"\",'6.9Ratemaking Data'!E27)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F27),\"\",'6.9Ratemaking Data'!F27)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G27),\"\",'6.9Ratemaking Data'!G27)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H27),\"\",'6.9Ratemaking Data'!H27)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I27),\"\",'6.9Ratemaking Data'!I27)","v":""}]
["Anc_Income",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D29),\"\",'6.9Ratemaking Data'!D29)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E29),\"\",'6.9Ratemaking Data'!E29)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F29),\"\",'6.9Ratemaking Data'!F29)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G29),\"\",'6.9Ratemaking Data'!G29)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H29),\"\",'6.9Ratemaking Data'!H29)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I29),\"\",'6.9Ratemaking Data'!I29)","v":""},{"$f":"IF(New_Program=TRUE,'6.9Ratemaking Data'!$K$29,SUM('7.9Rate Change Calculation'!$B29:$G29))","v":0}]
["Credibility",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,100%,'6.9Ratemaking Data'!$J$28)","v":0}]
["ExpRatio_Excluded",null,null,null,null,null,null,{"$f":"ExpRatio_Excluded","v":0}]
["FIT_Inv",null,null,null,null,null,null,{"$f":"FIT_Inv","v":""}]
["Yield",null,null,null,null,null,null,{"$f":"Yield","v":""}]
[]
["CDI Parameters"]
["FIT_UW",null,null,null,null,null,null,{"$f":"FIT_UW","v":0.21}]
["EffStd_Final",null,null,null,null,"Data as of:",{"$f":"update_effstd","v":2023},{"$f":"EffStd_Final09","v":""}]
["LevFact_Final",null,null,null,null,"Data as of:",{"$f":"update_leverage","v":2023},{"$f":"LevFact_Final09","v":""}]
["PremTaxRate",null,null,null,null,null,null,{"$f":"PremTaxRate","v":2.35E-2}]
["SurplusRatio",null,null,null,null,null,null,{"$f":"1/LevFact_Final09","v":{"$error":"#VALUE!"}}]
["ResRatio_UPR",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_UPR09","v":""}]
["ResRatio_Loss",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_Loss09","v":""}]
["ROR_RiskFree",null,null,null,null,"Data as of:",{"$f":"ROR_RiskFree_Date","v":"April 2025"},{"$f":"ROR_RiskFree","v":4.3800000000000006E-2},"Note: The latest ROR information can be found in the CDI Parameters tab. "]
["ROR_Min",null,null,null,null,null,null,{"$f":"ROR_Min","v":-0.06}]
["ROR_Max",null,null,null,null,null,null,{"$f":"ROR_Max","v":0.1038}]
[]
["Calculations",{"$f":"'6.9Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!I$14","v":0}]
["Prem_Adjusted",{"$f":"IF(ISERROR(Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees),\"\",Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,(Prem_Earned+Misc_Fees),SUM($B48:$G48))","v":0}]
["Losses_Adjusted",{"$f":"IF(ISERROR(Losses*Loss_Devt*CAT_Adj*Loss_Trend),\"\",Losses*Loss_Devt*CAT_Adj*Loss_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,Losses,SUM($B49:$G49))","v":0}]
["DCCE_Adjusted",{"$f":"IF(ISERROR(DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend),\"\",DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,DCCE,SUM($B50:$G50))","v":0}]
["LossDCCERatio_Adjusted",{"$f":"IF(ISERROR((B49+B50)/B48),\"\",(B49+B50)/B48)","v":""},"","","","","",""]
["TCRLP_perExp",{"$f":"IF(ISERROR(Prem_Adjusted/Exposures_Earned),\"\",Prem_Adjusted/Exposures_Earned)","v":""},"","","","","",""]
["LossDCCE_perExp",{"$f":"IF(ISERROR((Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned),\"\",(Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned)","v":""},"","","","","",""]
["CompLossDCCE_perExp",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed))","v":""},"","","","","",""]
["CredLoss_perExp",{"$f":"IF(ISERROR(Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp),\"\",Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp)","v":""},"","","","","",""]
["Anc_Inc_perExp",{"$f":"IF(ISERROR(Anc_Income/Exposures_Earned),\"\",Anc_Income/Exposures_Earned)","v":""},"","","","","",""]
["InvInc_Fixed",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*ResRatio_Loss09","v":{"$error":"#VALUE!"}}]
["InvInc_Variable",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*(ResRatio_UPR09+SurplusRatio)","v":{"$error":"#VALUE!"}}]
["Net_AnnualTrend",null,null,null,null,null,null,{"$f":"(1+Loss_AnnualTrend)/(1+Prem_AnnualTrend)-1","v":0}]
["Comp_Trend",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,0,(1+Net_AnnualTrend)^MIN(4,((EffDate_Proposed-EffDate_Prior09)/365.25))-1)","v":{"$error":"#VALUE!"}}]
["Max_Profit",null,null,null,null,null,null,{"$f":"(ROR_Max)/(LevFact_Final09*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["Min_Profit",null,null,null,null,null,null,{"$f":"(ROR_Min)/(LevFact_Final09*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["UW_Profit",null,null,null,null,null,null,{"$f":"1-CredLossDCCE_perExp/Max_Premium-EffStd_Final09","v":{"$error":"#VALUE!"}}]
["Min_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final09-Min_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}}]
["Max_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final09-Max_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error35=\"\",Error36=\"\"),\"\",\"See Column H of Page '3.2YieldFIT' for errors that must be corrected.\")","v":"See Column H of Page '3.2YieldFIT' for errors that must be corrected."}]
["Min_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Min_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error38=\"\",\"\",\"See Column F of Page '4.2Excluded Exp' for errors that must be corrected.\")","v":"See Column F of Page '4.2Excluded Exp' for errors that must be corrected."}]
["Max_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error34=\"\",\"\",\"See Column I of Page '2.Summary' for errors that must be corrected.\")","v":"See Column I of Page '2.Summary' for errors that must be corrected."}]
["CHANGE_AT_MIN",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Min_Premium-Prem_Current)/Prem_Current,\"Error\")","v":"Error"},{"$f":"IF(AND(Error00=\"\",Error01=\"\",Error02=\"\",Error03=\"\",Error04=\"\",Error05=\"\",Error06=\"\",Error07=\"\",Error08=\"\",Error09=\"\",Error10=\"\",Error11=\"\",Error12=\"\",Error13=\"\",Error14=\"\",Error15=\"\",Error16=\"\",Error37=\"\"),\"\",\"See Column J of Page '1.General' for errors that must be corrected.\")","v":"See Column J of Page '1.General' for errors that must be corrected."}]
["CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Max_Premium-Prem_Current)/Prem_Current, \"Error\")","v":"Error"},{"$f":"IF(AND('6.9Ratemaking Data'!Error17=\"\",'6.9Ratemaking Data'!Error18=\"\",'6.9Ratemaking Data'!Error19=\"\",'6.9Ratemaking Data'!Error20=\"\",'6.9Ratemaking Data'!Error21=\"\",'6.9Ratemaking Data'!Error22=\"\",'6.9Ratemaking Data'!Error23=\"\",'6.9Ratemaking Data'!Error24=\"\",'6.9Ratemaking Data'!Error25=\"\",'6.9Ratemaking Data'!Error26=\"\",'6.9Ratemaking Data'!Error27=\"\",'6.9Ratemaking Data'!Error28=\"\",'6.9Ratemaking Data'!Error29=\"\"),\"\",\"See Column M of Page '6.9Ratemaking Data' for errors that must be corrected.\")","v":"See Column M of Page '6.9Ratemaking Data' for errors that must be corrected."}]
[]
["Reinsurance Calculations",{"$f":"'6.9Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.9Ratemaking Data'!I$14","v":0}]
["Comm_Rate",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.9Ratemaking Data'!J44),\"\",'6.9Ratemaking Data'!J44)","v":""}]
["Rein_Prem",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D45),\"\",'6.9Ratemaking Data'!D45)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E45),\"\",'6.9Ratemaking Data'!E45)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F45),\"\",'6.9Ratemaking Data'!F45)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G45),\"\",'6.9Ratemaking Data'!G45)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H45),\"\",'6.9Ratemaking Data'!H45)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I45),\"\",'6.9Ratemaking Data'!I45)","v":""},{"$f":"IF(RIGHT(Detailed_LineCode09,1)=\"R\",IF(New_Program=TRUE,'6.9Ratemaking Data'!$K$45,SUM($B73:$G73)),\"\")","v":""}]
["Rein_Recov",{"$f":"IF(ISBLANK('6.9Ratemaking Data'!D46),\"\",'6.9Ratemaking Data'!D46)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!E46),\"\",'6.9Ratemaking Data'!E46)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!F46),\"\",'6.9Ratemaking Data'!F46)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!G46),\"\",'6.9Ratemaking Data'!G46)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!H46),\"\",'6.9Ratemaking Data'!H46)","v":""},{"$f":"IF(ISBLANK('6.9Ratemaking Data'!I46),\"\",'6.9Ratemaking Data'!I46)","v":""},{"$f":"IF(New_Program=TRUE,'6.9Ratemaking Data'!$K$46,SUM($B74:$G74))","v":0}]
["ReinPrem_perExp",{"$f":"IF(ISERROR(Rein_Prem/Exposures_Earned),\"\",Rein_Prem/Exposures_Earned)","v":""},"","","","","",""]
["ReinRec_perExp",{"$f":"IF(ISERROR(Rein_Recov/Exposures_Earned),\"\",Rein_Recov/Exposures_Earned)","v":""},"","","","","",""]
["CompLoss_Rein",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed))","v":""},"","","","","",""]
["ReinMax_Premium",null,null,null,null,null,null,{"$f":"IF(H73=0,NA(),((((Credibility*(LossDCCE_perExp-ReinRec_perExp))+(1-Credibility)*CompLoss_Rein)*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom)+ReinPrem_perExp/(1-Comm_Rate-PremTaxRate))","v":{"$error":"#VALUE!"}}]
["Rein_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I79=\"\",IF($H$73=0,NA(),(ReinMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND('6.9Ratemaking Data'!Error30=\"\",'6.9Ratemaking Data'!Error31=\"\",'6.9Ratemaking Data'!Error32=\"\"),\"\",\"See Column M of Page '6.9Ratemaking Data' for errors that must be corrected.\")","v":""}]
[]
["Standard NCOR Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["CommBrkRate_Wtd",null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
["ExpFact_Var",null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
["Std_NCOR_perExp",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.9Ratemaking Data'!J52),\"\",'6.9Ratemaking Data'!J52)","v":""}]
["NCORMax_Premium",null,null,null,null,null,null,{"$f":"IF(H84=0,NA(),Max_Premium+Std_NCOR_perExp/(1-ExpFact_Var))","v":{"$error":"#VALUE!"}}]
["NCOR_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I86=\"\",IF($H$85=0,NA(),(NCORMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error40=\"\",'6.9Ratemaking Data'!Error39=\"\"),\"\",\"See either Column M of Page '6.9Ratemaking Data' or '1.General' for errors that must be corrected.\")","v":""}]
[null,null,null,null,null,"Go to 6.9Ratemaking Data"]

{"sheet":"7.10Rate Change Calculation","index":29,"n_rows":87,"n_cols":9,"rows_kept":87,"cut":false,"hidden":true,"merged":[[86,5,86,7]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""}]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0}]
[null,null,null,null,"CDI File # (Department Use Only):",null,null,{"$f":"CDI_FileNo","v":""}]
[{"$f":"IF('6.10Ratemaking Data'!$K$7=\"\",\"VARIANCE - NONE\",\"VARIANCE \"&'6.10Ratemaking Data'!$K$7)","v":"VARIANCE - NONE"}]
["RATE CHANGE CALCULATION"]
[]
["Completed by:",null,null,null,null,null,null,{"$f":"Completed_By","v":""}]
["Date Completed:",null,null,null,null,null,null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Prior10","v":""}]
["Proposed Effective Date:",null,null,null,null,null,null,{"$f":"EffDate_Proposed","v":""}]
["Detailed Line Description:",null,null,null,null,null,null,{"$f":"Detailed_LineDesc10","v":""}]
["Coverage:",null,null,null,null,null,null,{"$f":"Covg10","v":""}]
[]
[]
["Data Provided by Filer",{"$f":"'6.10Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!I$14","v":0},"Projected"]
["Prem_Written",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D15),\"\",'6.10Ratemaking Data'!D15)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E15),\"\",'6.10Ratemaking Data'!E15)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F15),\"\",'6.10Ratemaking Data'!F15)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G15),\"\",'6.10Ratemaking Data'!G15)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H15),\"\",'6.10Ratemaking Data'!H15)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I15),\"\",'6.10Ratemaking Data'!I15)","v":""},{"$f":"IF(New_Program=TRUE,'6.10Ratemaking Data'!$K$15,SUM($B16:$G16))","v":0}]
["Prem_Earned",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D16),\"\",'6.10Ratemaking Data'!D16)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E16),\"\",'6.10Ratemaking Data'!E16)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F16),\"\",'6.10Ratemaking Data'!F16)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G16),\"\",'6.10Ratemaking Data'!G16)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H16),\"\",'6.10Ratemaking Data'!H16)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I16),\"\",'6.10Ratemaking Data'!I16)","v":""},{"$f":"IF(New_Program=TRUE,'6.10Ratemaking Data'!$K$16,SUM($B17:$G17))","v":0}]
["Prem_Adj",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D17),\"\",'6.10Ratemaking Data'!D17)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E17),\"\",'6.10Ratemaking Data'!E17)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F17),\"\",'6.10Ratemaking Data'!F17)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G17),\"\",'6.10Ratemaking Data'!G17)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H17),\"\",'6.10Ratemaking Data'!H17)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I17),\"\",'6.10Ratemaking Data'!I17)","v":""}]
["Prem_Trend",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D18),\"\",'6.10Ratemaking Data'!D18)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E18),\"\",'6.10Ratemaking Data'!E18)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F18),\"\",'6.10Ratemaking Data'!F18)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G18),\"\",'6.10Ratemaking Data'!G18)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H18),\"\",'6.10Ratemaking Data'!H18)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I18),\"\",'6.10Ratemaking Data'!I18)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.10Ratemaking Data'!$J$18)","v":0}]
["Misc_Fees",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D19),\"\",'6.10Ratemaking Data'!D19)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E19),\"\",'6.10Ratemaking Data'!E19)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F19),\"\",'6.10Ratemaking Data'!F19)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G19),\"\",'6.10Ratemaking Data'!G19)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H19),\"\",'6.10Ratemaking Data'!H19)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I19),\"\",'6.10Ratemaking Data'!I19)","v":""},{"$f":"IF(New_Program=TRUE,'6.10Ratemaking Data'!$K$19,SUM($B20:$G20))","v":0}]
["Exposures_Earned",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D20),\"\",'6.10Ratemaking Data'!D20)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E20),\"\",'6.10Ratemaking Data'!E20)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F20),\"\",'6.10Ratemaking Data'!F20)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G20),\"\",'6.10Ratemaking Data'!G20)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H20),\"\",'6.10Ratemaking Data'!H20)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I20),\"\",'6.10Ratemaking Data'!I20)","v":""},{"$f":"IF(New_Program=TRUE,'6.10Ratemaking Data'!$K$20,SUM($B21:$G21))","v":0}]
["Losses",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D21),\"\",'6.10Ratemaking Data'!D21)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E21),\"\",'6.10Ratemaking Data'!E21)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F21),\"\",'6.10Ratemaking Data'!F21)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G21),\"\",'6.10Ratemaking Data'!G21)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H21),\"\",'6.10Ratemaking Data'!H21)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I21),\"\",'6.10Ratemaking Data'!I21)","v":""},{"$f":"IF(New_Program=TRUE,'6.10Ratemaking Data'!$K$21,SUM($B22:$G22))","v":0}]
["DCCE",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D22),\"\",'6.10Ratemaking Data'!D22)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E22),\"\",'6.10Ratemaking Data'!E22)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F22),\"\",'6.10Ratemaking Data'!F22)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G22),\"\",'6.10Ratemaking Data'!G22)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H22),\"\",'6.10Ratemaking Data'!H22)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I22),\"\",'6.10Ratemaking Data'!I22)","v":""},{"$f":"IF(New_Program=TRUE,'6.10Ratemaking Data'!$K$22,SUM($B23:$G23))","v":0}]
["Loss_Devt",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D23),\"\",'6.10Ratemaking Data'!D23)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E23),\"\",'6.10Ratemaking Data'!E23)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F23),\"\",'6.10Ratemaking Data'!F23)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G23),\"\",'6.10Ratemaking Data'!G23)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H23),\"\",'6.10Ratemaking Data'!H23)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I23),\"\",'6.10Ratemaking Data'!I23)","v":""}]
["DCCE_Devt",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D24),\"\",'6.10Ratemaking Data'!D24)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E24),\"\",'6.10Ratemaking Data'!E24)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F24),\"\",'6.10Ratemaking Data'!F24)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G24),\"\",'6.10Ratemaking Data'!G24)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H24),\"\",'6.10Ratemaking Data'!H24)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I24),\"\",'6.10Ratemaking Data'!I24)","v":""}]
["Loss_Trend",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D25),\"\",'6.10Ratemaking Data'!D25)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E25),\"\",'6.10Ratemaking Data'!E25)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F25),\"\",'6.10Ratemaking Data'!F25)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G25),\"\",'6.10Ratemaking Data'!G25)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H25),\"\",'6.10Ratemaking Data'!H25)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I25),\"\",'6.10Ratemaking Data'!I25)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.10Ratemaking Data'!$J$25)","v":0}]
["DCCE_Trend",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D26),\"\",'6.10Ratemaking Data'!D26)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E26),\"\",'6.10Ratemaking Data'!E26)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F26),\"\",'6.10Ratemaking Data'!F26)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G26),\"\",'6.10Ratemaking Data'!G26)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H26),\"\",'6.10Ratemaking Data'!H26)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I26),\"\",'6.10Ratemaking Data'!I26)","v":""},{"$f":"IF(New_Program=TRUE,0,'6.10Ratemaking Data'!$J$26)","v":0}]
["CAT_Adj",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D27),\"\",'6.10Ratemaking Data'!D27)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E27),\"\",'6.10Ratemaking Data'!E27)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F27),\"\",'6.10Ratemaking Data'!F27)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G27),\"\",'6.10Ratemaking Data'!G27)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H27),\"\",'6.10Ratemaking Data'!H27)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I27),\"\",'6.10Ratemaking Data'!I27)","v":""}]
["Anc_Income",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D29),\"\",'6.10Ratemaking Data'!D29)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E29),\"\",'6.10Ratemaking Data'!E29)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F29),\"\",'6.10Ratemaking Data'!F29)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G29),\"\",'6.10Ratemaking Data'!G29)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H29),\"\",'6.10Ratemaking Data'!H29)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I29),\"\",'6.10Ratemaking Data'!I29)","v":""},{"$f":"IF(New_Program=TRUE,'6.10Ratemaking Data'!$K$29,SUM($B29:$G29))","v":0}]
["Credibility",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,100%,'6.10Ratemaking Data'!$J$28)","v":0}]
["ExpRatio_Excluded",null,null,null,null,null,null,{"$f":"ExpRatio_Excluded","v":0}]
["FIT_Inv",null,null,null,null,null,null,{"$f":"FIT_Inv","v":""}]
["Yield",null,null,null,null,null,null,{"$f":"Yield","v":""}]
[]
["CDI Parameters"]
["FIT_UW",null,null,null,null,null,null,{"$f":"FIT_UW","v":0.21}]
["EffStd_Final",null,null,null,null,"Data as of:",{"$f":"update_effstd","v":2023},{"$f":"EffStd_Final10","v":""}]
["LevFact_Final",null,null,null,null,"Data as of:",{"$f":"update_leverage","v":2023},{"$f":"LevFact_Final10","v":""}]
["PremTaxRate",null,null,null,null,null,null,{"$f":"PremTaxRate","v":2.35E-2}]
["SurplusRatio",null,null,null,null,null,null,{"$f":"1/LevFact_Final10","v":{"$error":"#VALUE!"}}]
["ResRatio_UPR",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_UPR10","v":""}]
["ResRatio_Loss",null,null,null,null,"Data as of:",{"$f":"update_reserveratios","v":2023},{"$f":"ResRatio_Loss10","v":""}]
["ROR_RiskFree",null,null,null,null,"Data as of:",{"$f":"ROR_RiskFree_Date","v":"April 2025"},{"$f":"ROR_RiskFree","v":4.3800000000000006E-2},"Note: The latest ROR information can be found in the CDI Parameters tab. "]
["ROR_Min",null,null,null,null,null,null,{"$f":"ROR_Min","v":-0.06}]
["ROR_Max",null,null,null,null,null,null,{"$f":"ROR_Max","v":0.1038}]
[]
["Calculations",{"$f":"'6.10Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!I$14","v":0}]
["Prem_Adjusted",{"$f":"IF(ISERROR(Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees),\"\",Prem_Earned*Prem_Adj*Prem_Trend+Misc_Fees)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,(Prem_Earned+Misc_Fees),SUM($B48:$G48))","v":0}]
["Losses_Adjusted",{"$f":"IF(ISERROR(Losses*Loss_Devt*CAT_Adj*Loss_Trend),\"\",Losses*Loss_Devt*CAT_Adj*Loss_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,Losses,SUM($B49:$G49))","v":0}]
["DCCE_Adjusted",{"$f":"IF(ISERROR(DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend),\"\",DCCE*DCCE_Devt*CAT_Adj*DCCE_Trend)","v":""},"","","","","",{"$f":"IF(New_Program=TRUE,DCCE,SUM($B50:$G50))","v":0}]
["LossDCCERatio_Adjusted",{"$f":"IF(ISERROR((B49+B50)/B48),\"\",(B49+B50)/B48)","v":""},"","","","","",""]
["TCRLP_perExp",{"$f":"IF(ISERROR(Prem_Adjusted/Exposures_Earned),\"\",Prem_Adjusted/Exposures_Earned)","v":""},"","","","","",""]
["LossDCCE_perExp",{"$f":"IF(ISERROR((Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned),\"\",(Losses_Adjusted+DCCE_Adjusted)/Exposures_Earned)","v":""},"","","","","",""]
["CompLossDCCE_perExp",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp)/(1-InvInc_Fixed))","v":""},"","","","","",""]
["CredLoss_perExp",{"$f":"IF(ISERROR(Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp),\"\",Credibility*LossDCCE_perExp+(1-Credibility)*CompLossDCCE_perExp)","v":""},"","","","","",""]
["Anc_Inc_perExp",{"$f":"IF(ISERROR(Anc_Income/Exposures_Earned),\"\",Anc_Income/Exposures_Earned)","v":""},"","","","","",""]
["InvInc_Fixed",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*ResRatio_Loss10","v":{"$error":"#VALUE!"}}]
["InvInc_Variable",null,null,null,null,null,null,{"$f":"Yield*((1-FIT_Inv)/(1-FIT_UW))*(ResRatio_UPR10+SurplusRatio)","v":{"$error":"#VALUE!"}}]
["Net_AnnualTrend",null,null,null,null,null,null,{"$f":"(1+Loss_AnnualTrend)/(1+Prem_AnnualTrend)-1","v":0}]
["Comp_Trend",null,null,null,null,null,null,{"$f":"IF(New_Program=TRUE,0,(1+Net_AnnualTrend)^MIN(4,((EffDate_Proposed-EffDate_Prior10)/365.25))-1)","v":{"$error":"#VALUE!"}}]
["Max_Profit",null,null,null,null,null,null,{"$f":"(ROR_Max)/(LevFact_Final10*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["Min_Profit",null,null,null,null,null,null,{"$f":"(ROR_Min)/(LevFact_Final10*(1-FIT_UW))","v":{"$error":"#VALUE!"}}]
["UW_Profit",null,null,null,null,null,null,{"$f":"1-CredLossDCCE_perExp/Max_Premium-EffStd_Final10","v":{"$error":"#VALUE!"}}]
["Min_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final10-Min_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}}]
["Max_Denom",null,null,null,null,null,null,{"$f":"1-EffStd_Final10-Max_Profit+InvInc_Variable","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error35=\"\",Error36=\"\"),\"\",\"See Column H of Page '3.2YieldFIT' for errors that must be corrected.\")","v":"See Column H of Page '3.2YieldFIT' for errors that must be corrected."}]
["Min_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Min_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error38=\"\",\"\",\"See Column F of Page '4.2Excluded Exp' for errors that must be corrected.\")","v":"See Column F of Page '4.2Excluded Exp' for errors that must be corrected."}]
["Max_Premium",null,null,null,null,null,null,{"$f":"(CredLossDCCE_perExp*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom","v":{"$error":"#VALUE!"}},{"$f":"IF(Error34=\"\",\"\",\"See Column I of Page '2.Summary' for errors that must be corrected.\")","v":"See Column I of Page '2.Summary' for errors that must be corrected."}]
["CHANGE_AT_MIN",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Min_Premium-Prem_Current)/Prem_Current,\"Error\")","v":"Error"},{"$f":"IF(AND(Error00=\"\",Error01=\"\",Error02=\"\",Error03=\"\",Error04=\"\",Error05=\"\",Error06=\"\",Error07=\"\",Error08=\"\",Error09=\"\",Error10=\"\",Error11=\"\",Error12=\"\",Error13=\"\",Error14=\"\",Error15=\"\",Error16=\"\",Error37=\"\"),\"\",\"See Column J of Page '1.General' for errors that must be corrected.\")","v":"See Column J of Page '1.General' for errors that must be corrected."}]
["CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(AND(I65=\"\",I66=\"\",I67=\"\",I68=\"\",I69=\"\"),(Max_Premium-Prem_Current)/Prem_Current, \"Error\")","v":"Error"},{"$f":"IF(AND('6.10Ratemaking Data'!Error17=\"\",'6.10Ratemaking Data'!Error18=\"\",'6.10Ratemaking Data'!Error19=\"\",'6.10Ratemaking Data'!Error20=\"\",'6.10Ratemaking Data'!Error21=\"\",'6.10Ratemaking Data'!Error22=\"\",'6.10Ratemaking Data'!Error23=\"\",'6.10Ratemaking Data'!Error24=\"\",'6.10Ratemaking Data'!Error25=\"\",'6.10Ratemaking Data'!Error26=\"\",'6.10Ratemaking Data'!Error27=\"\",'6.10Ratemaking Data'!Error28=\"\",'6.10Ratemaking Data'!Error29=\"\"),\"\",\"See Column M of Page '6.10Ratemaking Data' for errors that must be corrected.\")","v":"See Column M of Page '6.10Ratemaking Data' for errors that must be corrected."}]
[]
["Reinsurance Calculations",{"$f":"'6.10Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.10Ratemaking Data'!I$14","v":0}]
["Comm_Rate",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.10Ratemaking Data'!J44),\"\",'6.10Ratemaking Data'!J44)","v":""}]
["Rein_Prem",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D45),\"\",'6.10Ratemaking Data'!D45)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E45),\"\",'6.10Ratemaking Data'!E45)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F45),\"\",'6.10Ratemaking Data'!F45)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G45),\"\",'6.10Ratemaking Data'!G45)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H45),\"\",'6.10Ratemaking Data'!H45)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I45),\"\",'6.10Ratemaking Data'!I45)","v":""},{"$f":"IF(RIGHT(Detailed_LineCode10,1)=\"R\",IF(New_Program=TRUE,'6.10Ratemaking Data'!$K$45,SUM($B73:$G73)),\"\")","v":""}]
["Rein_Recov",{"$f":"IF(ISBLANK('6.10Ratemaking Data'!D46),\"\",'6.10Ratemaking Data'!D46)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!E46),\"\",'6.10Ratemaking Data'!E46)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!F46),\"\",'6.10Ratemaking Data'!F46)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!G46),\"\",'6.10Ratemaking Data'!G46)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!H46),\"\",'6.10Ratemaking Data'!H46)","v":""},{"$f":"IF(ISBLANK('6.10Ratemaking Data'!I46),\"\",'6.10Ratemaking Data'!I46)","v":""},{"$f":"IF(New_Program=TRUE,'6.10Ratemaking Data'!$K$46,SUM($B74:$G74))","v":0}]
["ReinPrem_perExp",{"$f":"IF(ISERROR(Rein_Prem/Exposures_Earned),\"\",Rein_Prem/Exposures_Earned)","v":""},"","","","","",""]
["ReinRec_perExp",{"$f":"IF(ISERROR(Rein_Recov/Exposures_Earned),\"\",Rein_Recov/Exposures_Earned)","v":""},"","","","","",""]
["CompLoss_Rein",{"$f":"IF(ISERROR((TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed)),\"\",(TCRLP_perExp*(1+Comp_Trend)*Max_Denom+Anc_Inc_perExp-ReinPrem_perExp*Max_Denom/(1-Comm_Rate-PremTaxRate))/(1-InvInc_Fixed))","v":""},"","","","","",""]
["",null,null,null,null,null,null,{"$f":"IF(H73=0,NA(),((((Credibility*(LossDCCE_perExp-ReinRec_perExp))+(1-Credibility)*CompLoss_Rein)*(1-InvInc_Fixed)-Anc_Inc_perExp)/Max_Denom)+ReinPrem_perExp/(1-Comm_Rate-PremTaxRate))","v":{"$error":"#VALUE!"}}]
["Rein_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I79=\"\",IF($H$73=0,NA(),(ReinMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND('6.10Ratemaking Data'!Error30=\"\",'6.10Ratemaking Data'!Error31=\"\",'6.10Ratemaking Data'!Error32=\"\"),\"\",\"See Column M of Page '6.10Ratemaking Data' for errors that must be corrected.\")","v":""}]
[]
["Standard NCOR Calculations",{"$f":"'6.1Ratemaking Data'!D$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!E$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!F$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!G$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!H$14","v":{"$error":"#VALUE!"}},{"$f":"'6.1Ratemaking Data'!I$14","v":0}]
["CommBrkRate_Wtd",null,null,null,null,null,null,{"$f":"CommBrkRate_Wtd","v":{"$error":"#N/A"}}]
["ExpFact_Var",null,null,null,null,null,null,{"$f":"ExpFact_Var","v":{"$error":"#N/A"}}]
["Std_NCOR_perExp",null,null,null,null,null,null,{"$f":"IF(ISBLANK('6.10Ratemaking Data'!J52),\"\",'6.10Ratemaking Data'!J52)","v":""}]
["NCORMax_Premium",null,null,null,null,null,null,{"$f":"IF(H84=0,NA(),Max_Premium+Std_NCOR_perExp/(1-ExpFact_Var))","v":{"$error":"#VALUE!"}}]
["NCOR_CHANGE_AT_MAX",null,null,null,null,null,null,{"$f":"IF(I86=\"\",IF($H$85=0,NA(),(NCORMax_Premium-Prem_Current)/Prem_Current),\"Error\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Error40=\"\",'6.10Ratemaking Data'!Error39=\"\"),\"\",\"See either Column M of Page '6.10Ratemaking Data' or '1.General' for errors that must be corrected.\")","v":""}]
[null,null,null,null,null,"Go to 6.10Ratemaking Data"]

{"sheet":"8.1LCM Calculation","index":30,"n_rows":42,"n_cols":14,"rows_kept":42,"cut":false,"hidden":true,"merged":[[29,2,29,4],[36,2,36,4]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with LCM Calculation Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["LOSS COST MULTIPLIER (LCM) CALCULATION"]
[]
["Detailed Line Description:",null,null,{"$f":"Detailed_LineDesc01","v":""},null,"Completed by:",null,{"$f":"Completed_By","v":""}]
["Coverage:",null,null,{"$f":"Covg01","v":""},null,"Date Completed:",null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,{"$f":"EffDate_Prior01","v":""},null,"Proposed Effective Date:",null,{"$f":"EffDate_Proposed","v":""}]
[]
["(1)","New Program Filings",null,null,null,null,null,null,null,null,"Conversion of Advisory Organization's AOE Load into a Ratio to Loss and DCCE"]
[]
[null,"1.1","CDI Advisory Organization (AO) File # underlying proposed loss costs",null,null,null,null,null,null,null,null,"[A]","[B]","[C]"]
[null,null,null,null,null,null,null,null,null,null,null,"If Formula for Load is:","Conversion to AOE/(Loss + DCCE) is:","Calculated "]
[null,"1.2","AOE or LAE load approved for line or coverage",null,null,null,null,null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""}]
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[null,"1.3","Basis of load listed in line 1.2.",null,null,null,"AOE/(Loss+DCCE)",null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""},null,2,"(DCCE+AOE)/Loss","([A] x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(DCCE+AOE)/Loss\",($G$15*$M$21-$M$22)/($M$21+$M$22),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,3,"(Loss+DCCE+AOE)/Loss","(([A] - 1) x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(Loss+DCCE+AOE)/Loss\",(($G$15-1)*M21-M22)/(M21+M22),\"\")","v":""}]
[null,"1.4","AO's AOE as a percent of loss and DCCE (derived from 1.3 and",null,null,null,{"$f":"$N$21","v":0}]
[null,null,"U.S. P&C industry loss and DCCE experience by line)",null,null,null,null,null,null,null,null,null,{"$f":"\"Total \"&'Incurred Loss & DCCE'!$B$5&\" Line \"&Detailed_LineCode01&\" Industry P&C\"","v":"Total 2023 Line  Industry P&C"},"AOE Load"]
[null,null,null,null,null,null,null,null,null,null,null,"Incurred Losses1",{"$f":"VLOOKUP(Detailed_LineCode01,Table_IncdLossDCCE,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($G$17,$L$16:$N$18,3,FALSE)","v":0}]
[null,"1.5","Maximum Permitted LCM, based on efficiency standard",null,null,null,{"$f":"IF(ISBLANK($G$15),NA(),'7.1Rate Change Calculation'!Projected '7.1Rate Change Calculation'!Max_Premium/(('7.1Rate Change Calculation'!CredLossDCCE_perExp)*(1+AOE_Load)))","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERROR(MAX_LCM),IF(ISBLANK($G$42),\"\",IF(ISERROR(Max_EffStdBasedLCM),\"\",IF($G$42>$G$22,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM, based on efficiency standard.\",\"\"))),\"\")","v":""},null,null,"DCCE1",{"$f":"VLOOKUP(Detailed_LineCode01,Table_IncdLossDCCE,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,"1 Source: ",{"$f":"'Incurred Loss & DCCE'!$B$2&\", \"&'Incurred Loss & DCCE'!$B$4&\" Edition\"","v":"Best's Aggregates and Averages, Property & Casualty, 2024 Edition"}]
["(2)","Existing Program Filings",null,null,null,null,null,null,null,null,null,{"$f":"'Incurred Loss & DCCE'!$B$3","v":"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"}]
[]
[null,"2.1","CDI AO File # underlying current loss costs"]
[]
[null,"2.2","Current Company LCM"]
[]
[null,"2.3","CDI AO File #(s) underlying proposed loss costs (enter all applicable file numbers, separated by commas)"]
[]
[null,"2.3.i","Cumulative AO loss cost percent change approved for line or coverage "]
[]
[null,"2.3.ii","Cumulative AO loss cost percent change approved for line or coverage,"]
[null,null,"adjusted for Company's distribution"]
[]
[null,2.4,"Rate impact to the insurer's book from changes other than updating the loss cost or"]
[null,null,"LCM (rule changes, updating rating factors, etc.)"]
[]
[null,"2.5","Maximum Permitted LCM",null,null,null,{"$f":"IF(OR(ISBLANK(Curr_LCM),ISBLANK(LossCost_PctChg_Co)),NA(),(1+'7.1Rate Change Calculation'!CHANGE_AT_MAX)*(Curr_LCM)/(1+LossCost_PctChg_Co))/(1+Other_RateImpact)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISBLANK($G$42),\"\",IF(ISERROR(MAX_LCM),\"\",IF($G$42>$G$40,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM.\",\"\")))","v":""}]
[]
["(3)","Proposed Company LCM"]

{"sheet":"8.2LCM Calculation","index":31,"n_rows":42,"n_cols":14,"rows_kept":42,"cut":false,"hidden":true,"merged":[[29,2,29,4]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with LCM Calculation Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["LOSS COST MULTIPLIER (LCM) CALCULATION"]
[]
["Detailed Line Description:",null,null,{"$f":"Detailed_LineDesc02","v":""},null,"Completed by:",null,{"$f":"Completed_By","v":""}]
["Coverage:",null,null,{"$f":"Covg02","v":""},null,"Date Completed:",null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,{"$f":"EffDate_Prior02","v":""},null,"Proposed Effective Date:",null,{"$f":"EffDate_Proposed","v":""}]
[]
["(1)","New Program Filings",null,null,null,null,null,null,null,null,"Conversion of Advisory Organization's AOE Load into a Ratio to Loss and DCCE"]
[]
[null,"1.1","CDI Advisory Organization (AO) File # underlying proposed loss costs",null,null,null,null,null,null,null,null,"[A]","[B]","[C]"]
[null,null,null,null,null,null,null,null,null,null,null,"If Formula for Load is:","Conversion to AOE/(Loss + DCCE) is:","Calculated "]
[null,"1.2","AOE or LAE load approved for line or coverage",null,null,null,null,null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""}]
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[null,"1.3","Basis of load listed in line 1.2.",null,null,null,"AOE/(Loss+DCCE)",null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""},null,2,"(DCCE+AOE)/Loss","([A] x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(DCCE+AOE)/Loss\",($G$15*$M$21-$M$22)/($M$21+$M$22),\"\")","v":""}]
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[null,"1.4","AO's AOE as a percent of loss and DCCE (derived from 1.3 and",null,null,null,{"$f":"$N$21","v":0}]
[null,null,"U.S. P&C industry loss and DCCE experience by line)",null,null,null,null,null,null,null,null,null,{"$f":"\"Total \"&'Incurred Loss & DCCE'!$B$5&\" Line \"&Detailed_LineCode02&\" Industry P&C\"","v":"Total 2023 Line  Industry P&C"},"AOE Load"]
[null,null,null,null,null,null,null,null,null,null,null,"Incurred Losses1",{"$f":"VLOOKUP(Detailed_LineCode02,Table_IncdLossDCCE,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($G$17,$L$16:$N$18,3,FALSE)","v":0}]
[null,"1.5","Maximum Permitted LCM, based on efficiency standard",null,null,null,{"$f":"IF(ISBLANK($G$15),NA(),'7.2Rate Change Calculation'!Projected '7.2Rate Change Calculation'!Max_Premium/(('7.2Rate Change Calculation'!CredLossDCCE_perExp)*(1+AOE_Load)))","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERROR(MAX_LCM),IF(ISBLANK($G$42),\"\",IF(ISERROR(Max_EffStdBasedLCM),\"\",IF($G$42>$G$22,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM, based on efficiency standard.\",\"\"))),\"\")","v":""},null,null,"DCCE1",{"$f":"VLOOKUP(Detailed_LineCode02,Table_IncdLossDCCE,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,"1 Source: ",{"$f":"'Incurred Loss & DCCE'!$B$2&\", \"&'Incurred Loss & DCCE'!$B$4&\" Edition\"","v":"Best's Aggregates and Averages, Property & Casualty, 2024 Edition"}]
["(2)","Existing Program Filings",null,null,null,null,null,null,null,null,null,{"$f":"'Incurred Loss & DCCE'!$B$3","v":"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"}]
[]
[null,"2.1","CDI AO File # underlying current loss costs"]
[]
[null,"2.2","Current Company LCM"]
[]
[null,"2.3","CDI AO File #(s) underlying proposed loss costs (enter all applicable file numbers, separated by commas)"]
[]
[null,"2.3.i","Cumulative AO loss cost percent change approved for line or coverage "]
[]
[null,"2.3.ii","Cumulative AO loss cost percent change approved for line or coverage,"]
[null,null,"adjusted for Company's distribution"]
[]
[null,2.4,"Rate impact to the insurer's book from changes other than updating the loss cost or"]
[null,null,"LCM (rule changes, updating rating factors, etc.)"]
[]
[null,"2.5","Maximum Permitted LCM",null,null,null,{"$f":"IF(OR(ISBLANK(Curr_LCM),ISBLANK(LossCost_PctChg_Co)),NA(),(1+'7.2Rate Change Calculation'!CHANGE_AT_MAX)*(Curr_LCM)/(1+LossCost_PctChg_Co))/(1+Other_RateImpact)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISBLANK($G$42),\"\",IF(ISERROR(MAX_LCM),\"\",IF($G$42>$G$40,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM.\",\"\")))","v":""}]
[]
["(3)","Proposed Company LCM"]

{"sheet":"8.3LCM Calculation","index":32,"n_rows":42,"n_cols":14,"rows_kept":42,"cut":false,"hidden":true,"merged":[[29,2,29,4]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with LCM Calculation Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["LOSS COST MULTIPLIER (LCM) CALCULATION"]
[]
["Detailed Line Description:",null,null,{"$f":"Detailed_LineDesc03","v":""},null,"Completed by:",null,{"$f":"Completed_By","v":""}]
["Coverage:",null,null,{"$f":"Covg03","v":""},null,"Date Completed:",null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,{"$f":"EffDate_Prior03","v":""},null,"Proposed Effective Date:",null,{"$f":"EffDate_Proposed","v":""}]
[]
["(1)","New Program Filings",null,null,null,null,null,null,null,null,"Conversion of Advisory Organization's AOE Load into a Ratio to Loss and DCCE"]
[]
[null,"1.1","CDI Advisory Organization (AO) File # underlying proposed loss costs",null,null,null,null,null,null,null,null,"[A]","[B]","[C]"]
[null,null,null,null,null,null,null,null,null,null,null,"If Formula for Load is:","Conversion to AOE/(Loss + DCCE) is:","Calculated "]
[null,"1.2","AOE or LAE load approved for line or coverage",null,null,null,null,null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""}]
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[null,"1.3","Basis of load listed in line 1.2.",null,null,null,"AOE/(Loss+DCCE)",null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""},null,2,"(DCCE+AOE)/Loss","([A] x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(DCCE+AOE)/Loss\",($G$15*$M$21-$M$22)/($M$21+$M$22),\"\")","v":""}]
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[null,"1.4","AO's AOE as a percent of loss and DCCE (derived from 1.3 and",null,null,null,{"$f":"$N$21","v":0}]
[null,null,"U.S. P&C industry loss and DCCE experience by line)",null,null,null,null,null,null,null,null,null,{"$f":"\"Total \"&'Incurred Loss & DCCE'!$B$5&\" Line \"&Detailed_LineCode03&\" Industry P&C\"","v":"Total 2023 Line  Industry P&C"},"AOE Load"]
[null,null,null,null,null,null,null,null,null,null,null,"Incurred Losses1",{"$f":"VLOOKUP(Detailed_LineCode03,Table_IncdLossDCCE,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($G$17,$L$16:$N$18,3,FALSE)","v":0}]
[null,"1.5","Maximum Permitted LCM, based on efficiency standard",null,null,null,{"$f":"IF(ISBLANK($G$15),NA(),'7.3Rate Change Calculation'!Projected '7.3Rate Change Calculation'!Max_Premium/(('7.3Rate Change Calculation'!CredLossDCCE_perExp)*(1+AOE_Load)))","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERROR(MAX_LCM),IF(ISBLANK($G$42),\"\",IF(ISERROR(Max_EffStdBasedLCM),\"\",IF($G$42>$G$22,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM, based on efficiency standard.\",\"\"))),\"\")","v":""},null,null,"DCCE1",{"$f":"VLOOKUP(Detailed_LineCode03,Table_IncdLossDCCE,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,"1 Source: ",{"$f":"'Incurred Loss & DCCE'!$B$2&\", \"&'Incurred Loss & DCCE'!$B$4&\" Edition\"","v":"Best's Aggregates and Averages, Property & Casualty, 2024 Edition"}]
["(2)","Existing Program Filings",null,null,null,null,null,null,null,null,null,{"$f":"'Incurred Loss & DCCE'!$B$3","v":"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"}]
[]
[null,"2.1","CDI AO File # underlying current loss costs"]
[]
[null,"2.2","Current Company LCM"]
[]
[null,"2.3","CDI AO File #(s) underlying proposed loss costs (enter all applicable file numbers, separated by commas)"]
[]
[null,"2.3.i","Cumulative AO loss cost percent change approved for line or coverage "]
[]
[null,"2.3.ii","Cumulative AO loss cost percent change approved for line or coverage,"]
[null,null,"adjusted for Company's distribution"]
[]
[null,2.4,"Rate impact to the insurer's book from changes other than updating the loss cost or"]
[null,null,"LCM (rule changes, updating rating factors, etc.)"]
[]
[null,"2.5","Maximum Permitted LCM",null,null,null,{"$f":"IF(OR(ISBLANK(Curr_LCM),ISBLANK(LossCost_PctChg_Co)),NA(),(1+'7.3Rate Change Calculation'!CHANGE_AT_MAX)*(Curr_LCM)/(1+LossCost_PctChg_Co))/(1+Other_RateImpact)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISBLANK($G$42),\"\",IF(ISERROR(MAX_LCM),\"\",IF($G$42>$G$40,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM.\",\"\")))","v":""}]
[]
["(3)","Proposed Company LCM"]

{"sheet":"8.4LCM Calculation","index":33,"n_rows":42,"n_cols":14,"rows_kept":42,"cut":false,"hidden":true,"merged":[[29,2,29,4]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with LCM Calculation Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["LOSS COST MULTIPLIER (LCM) CALCULATION"]
[]
["Detailed Line Description:",null,null,{"$f":"Detailed_LineDesc04","v":""},null,"Completed by:",null,{"$f":"Completed_By","v":""}]
["Coverage:",null,null,{"$f":"Covg04","v":""},null,"Date Completed:",null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,{"$f":"EffDate_Prior04","v":""},null,"Proposed Effective Date:",null,{"$f":"EffDate_Proposed","v":""}]
[]
["(1)","New Program Filings",null,null,null,null,null,null,null,null,"Conversion of Advisory Organization's AOE Load into a Ratio to Loss and DCCE"]
[]
[null,"1.1","CDI Advisory Organization (AO) File # underlying proposed loss costs",null,null,null,null,null,null,null,null,"[A]","[B]","[C]"]
[null,null,null,null,null,null,null,null,null,null,null,"If Formula for Load is:","Conversion to AOE/(Loss + DCCE) is:","Calculated "]
[null,"1.2","AOE or LAE load approved for line or coverage",null,null,null,null,null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""}]
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[null,"1.3","Basis of load listed in line 1.2.",null,null,null,"AOE/(Loss+DCCE)",null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""},null,2,"(DCCE+AOE)/Loss","([A] x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(DCCE+AOE)/Loss\",($G$15*$M$21-$M$22)/($M$21+$M$22),\"\")","v":""}]
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[null,"1.4","AO's AOE as a percent of loss and DCCE (derived from 1.3 and",null,null,null,{"$f":"$N$21","v":0}]
[null,null,"U.S. P&C industry loss and DCCE experience by line)",null,null,null,null,null,null,null,null,null,{"$f":"\"Total \"&'Incurred Loss & DCCE'!$B$5&\" Line \"&Detailed_LineCode04&\" Industry P&C\"","v":"Total 2023 Line  Industry P&C"},"AOE Load"]
[null,null,null,null,null,null,null,null,null,null,null,"Incurred Losses1",{"$f":"VLOOKUP(Detailed_LineCode04,Table_IncdLossDCCE,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($G$17,$L$16:$N$18,3,FALSE)","v":0}]
[null,"1.5","Maximum Permitted LCM, based on efficiency standard",null,null,null,{"$f":"IF(ISBLANK($G$15),NA(),'7.4Rate Change Calculation'!Projected '7.4Rate Change Calculation'!Max_Premium/(('7.4Rate Change Calculation'!CredLossDCCE_perExp)*(1+AOE_Load)))","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERROR(MAX_LCM),IF(ISBLANK($G$42),\"\",IF(ISERROR(Max_EffStdBasedLCM),\"\",IF($G$42>$G$22,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM, based on efficiency standard.\",\"\"))),\"\")","v":""},null,null,"DCCE1",{"$f":"VLOOKUP(Detailed_LineCode04,Table_IncdLossDCCE,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,"1 Source: ",{"$f":"'Incurred Loss & DCCE'!$B$2&\", \"&'Incurred Loss & DCCE'!$B$4&\" Edition\"","v":"Best's Aggregates and Averages, Property & Casualty, 2024 Edition"}]
["(2)","Existing Program Filings",null,null,null,null,null,null,null,null,null,{"$f":"'Incurred Loss & DCCE'!$B$3","v":"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"}]
[]
[null,"2.1","CDI AO File # underlying current loss costs"]
[]
[null,"2.2","Current Company LCM"]
[]
[null,"2.3","CDI AO File #(s) underlying proposed loss costs (enter all applicable file numbers, separated by commas)"]
[]
[null,"2.3.i","Cumulative AO loss cost percent change approved for line or coverage "]
[]
[null,"2.3.ii","Cumulative AO loss cost percent change approved for line or coverage,"]
[null,null,"adjusted for Company's distribution"]
[]
[null,2.4,"Rate impact to the insurer's book from changes other than updating the loss cost or"]
[null,null,"LCM (rule changes, updating rating factors, etc.)"]
[]
[null,"2.5","Maximum Permitted LCM",null,null,null,{"$f":"IF(OR(ISBLANK(Curr_LCM),ISBLANK(LossCost_PctChg_Co)),NA(),(1+'7.4Rate Change Calculation'!CHANGE_AT_MAX)*(Curr_LCM)/(1+LossCost_PctChg_Co))/(1+Other_RateImpact)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISBLANK($G$42),\"\",IF(ISERROR(MAX_LCM),\"\",IF($G$42>$G$40,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM.\",\"\")))","v":""}]
[]
["(3)","Proposed Company LCM"]

{"sheet":"8.5LCM Calculation","index":34,"n_rows":42,"n_cols":14,"rows_kept":42,"cut":false,"hidden":true,"merged":[[29,2,29,4]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with LCM Calculation Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["LOSS COST MULTIPLIER (LCM) CALCULATION"]
[]
["Detailed Line Description:",null,null,{"$f":"Detailed_LineDesc05","v":""},null,"Completed by:",null,{"$f":"Completed_By","v":""}]
["Coverage:",null,null,{"$f":"Covg05","v":""},null,"Date Completed:",null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,{"$f":"EffDate_Prior05","v":""},null,"Proposed Effective Date:",null,{"$f":"EffDate_Proposed","v":""}]
[]
["(1)","New Program Filings",null,null,null,null,null,null,null,null,"Conversion of Advisory Organization's AOE Load into a Ratio to Loss and DCCE"]
[]
[null,"1.1","CDI Advisory Organization (AO) File # underlying proposed loss costs",null,null,null,null,null,null,null,null,"[A]","[B]","[C]"]
[null,null,null,null,null,null,null,null,null,null,null,"If Formula for Load is:","Conversion to AOE/(Loss + DCCE) is:","Calculated "]
[null,"1.2","AOE or LAE load approved for line or coverage",null,null,null,null,null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,1,"AOE/(Loss+DCCE)","[A]",{"$f":"IF($G$17=\"AOE/(Loss+DCCE)\",$G$15,\"\")","v":0}]
[null,"1.3","Basis of load listed in line 1.2.",null,null,null,"AOE/(Loss+DCCE)",null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""},null,2,"(DCCE+AOE)/Loss","([A] x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(DCCE+AOE)/Loss\",($G$15*$M$21-$M$22)/($M$21+$M$22),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,3,"(Loss+DCCE+AOE)/Loss","(([A] - 1) x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(Loss+DCCE+AOE)/Loss\",(($G$15-1)*M21-M22)/(M21+M22),\"\")","v":""}]
[null,"1.4","AO's AOE as a percent of loss and DCCE (derived from 1.3 and",null,null,null,{"$f":"$N$21","v":0}]
[null,null,"U.S. P&C industry loss and DCCE experience by line)",null,null,null,null,null,null,null,null,null,{"$f":"\"Total \"&'Incurred Loss & DCCE'!$B$5&\" Line \"&Detailed_LineCode05&\" Industry P&C\"","v":"Total 2023 Line  Industry P&C"},"AOE Load"]
[null,null,null,null,null,null,null,null,null,null,null,"Incurred Losses1",{"$f":"VLOOKUP(Detailed_LineCode05,Table_IncdLossDCCE,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($G$17,$L$16:$N$18,3,FALSE)","v":0}]
[null,"1.5","Maximum Permitted LCM, based on efficiency standard",null,null,null,{"$f":"IF(ISBLANK($G$15),NA(),'7.5Rate Change Calculation'!Projected '7.5Rate Change Calculation'!Max_Premium/(('7.5Rate Change Calculation'!CredLossDCCE_perExp)*(1+AOE_Load)))","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERROR(MAX_LCM),IF(ISBLANK($G$42),\"\",IF(ISERROR(Max_EffStdBasedLCM),\"\",IF($G$42>$G$22,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM, based on efficiency standard.\",\"\"))),\"\")","v":""},null,null,"DCCE1",{"$f":"VLOOKUP(Detailed_LineCode05,Table_IncdLossDCCE,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,"1 Source: ",{"$f":"'Incurred Loss & DCCE'!$B$2&\", \"&'Incurred Loss & DCCE'!$B$4&\" Edition\"","v":"Best's Aggregates and Averages, Property & Casualty, 2024 Edition"}]
["(2)","Existing Program Filings",null,null,null,null,null,null,null,null,null,{"$f":"'Incurred Loss & DCCE'!$B$3","v":"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"}]
[]
[null,"2.1","CDI AO File # underlying current loss costs"]
[]
[null,"2.2","Current Company LCM"]
[]
[null,"2.3","CDI AO File #(s) underlying proposed loss costs (enter all applicable file numbers, separated by commas)"]
[]
[null,"2.3.i","Cumulative AO loss cost percent change approved for line or coverage "]
[]
[null,"2.3.ii","Cumulative AO loss cost percent change approved for line or coverage,"]
[null,null,"adjusted for Company's distribution"]
[]
[null,2.4,"Rate impact to the insurer's book from changes other than updating the loss cost or"]
[null,null,"LCM (rule changes, updating rating factors, etc.)"]
[]
[null,"2.5","Maximum Permitted LCM",null,null,null,{"$f":"IF(OR(ISBLANK(Curr_LCM),ISBLANK(LossCost_PctChg_Co)),NA(),(1+'7.5Rate Change Calculation'!CHANGE_AT_MAX)*(Curr_LCM)/(1+LossCost_PctChg_Co))/(1+Other_RateImpact)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISBLANK($G$42),\"\",IF(ISERROR(MAX_LCM),\"\",IF($G$42>$G$40,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM.\",\"\")))","v":""}]
[]
["(3)","Proposed Company LCM"]

{"sheet":"8.6LCM Calculation","index":35,"n_rows":42,"n_cols":14,"rows_kept":42,"cut":false,"hidden":true,"merged":[[29,2,29,4]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with LCM Calculation Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["LOSS COST MULTIPLIER (LCM) CALCULATION"]
[]
["Detailed Line Description:",null,null,{"$f":"Detailed_LineDesc06","v":""},null,"Completed by:",null,{"$f":"Completed_By","v":""}]
["Coverage:",null,null,{"$f":"Covg06","v":""},null,"Date Completed:",null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,{"$f":"EffDate_Prior06","v":""},null,"Proposed Effective Date:",null,{"$f":"EffDate_Proposed","v":""}]
[]
["(1)","New Program Filings",null,null,null,null,null,null,null,null,"Conversion of Advisory Organization's AOE Load into a Ratio to Loss and DCCE"]
[]
[null,"1.1","CDI Advisory Organization (AO) File # underlying proposed loss costs",null,null,null,null,null,null,null,null,"[A]","[B]","[C]"]
[null,null,null,null,null,null,null,null,null,null,null,"If Formula for Load is:","Conversion to AOE/(Loss + DCCE) is:","Calculated "]
[null,"1.2","AOE or LAE load approved for line or coverage",null,null,null,null,null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,1,"AOE/(Loss+DCCE)","[A]",{"$f":"IF($G$17=\"AOE/(Loss+DCCE)\",$G$15,\"\")","v":0}]
[null,"1.3","Basis of load listed in line 1.2.",null,null,null,"AOE/(Loss+DCCE)",null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""},null,2,"(DCCE+AOE)/Loss","([A] x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(DCCE+AOE)/Loss\",($G$15*$M$21-$M$22)/($M$21+$M$22),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,3,"(Loss+DCCE+AOE)/Loss","(([A] - 1) x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(Loss+DCCE+AOE)/Loss\",(($G$15-1)*M21-M22)/(M21+M22),\"\")","v":""}]
[null,"1.4","AO's AOE as a percent of loss and DCCE (derived from 1.3 and",null,null,null,{"$f":"$N$21","v":0}]
[null,null,"U.S. P&C industry loss and DCCE experience by line)",null,null,null,null,null,null,null,null,null,{"$f":"\"Total \"&'Incurred Loss & DCCE'!$B$5&\" Line \"&Detailed_LineCode06&\" Industry P&C\"","v":"Total 2023 Line  Industry P&C"},"AOE Load"]
[null,null,null,null,null,null,null,null,null,null,null,"Incurred Losses1",{"$f":"VLOOKUP(Detailed_LineCode06,Table_IncdLossDCCE,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($G$17,$L$16:$N$18,3,FALSE)","v":0}]
[null,"1.5","Maximum Permitted LCM, based on efficiency standard",null,null,null,{"$f":"IF(ISBLANK($G$15),NA(),'7.6Rate Change Calculation'!Projected '7.6Rate Change Calculation'!Max_Premium/(('7.6Rate Change Calculation'!CredLossDCCE_perExp)*(1+AOE_Load)))","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERROR(MAX_LCM),IF(ISBLANK($G$42),\"\",IF(ISERROR(Max_EffStdBasedLCM),\"\",IF($G$42>$G$22,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM, based on efficiency standard.\",\"\"))),\"\")","v":""},null,null,"DCCE1",{"$f":"VLOOKUP(Detailed_LineCode06,Table_IncdLossDCCE,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,"1 Source: ",{"$f":"'Incurred Loss & DCCE'!$B$2&\", \"&'Incurred Loss & DCCE'!$B$4&\" Edition\"","v":"Best's Aggregates and Averages, Property & Casualty, 2024 Edition"}]
["(2)","Existing Program Filings",null,null,null,null,null,null,null,null,null,{"$f":"'Incurred Loss & DCCE'!$B$3","v":"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"}]
[]
[null,"2.1","CDI AO File # underlying current loss costs"]
[]
[null,"2.2","Current Company LCM"]
[]
[null,"2.3","CDI AO File #(s) underlying proposed loss costs (enter all applicable file numbers, separated by commas)"]
[]
[null,"2.3.i","Cumulative AO loss cost percent change approved for line or coverage "]
[]
[null,"2.3.ii","Cumulative AO loss cost percent change approved for line or coverage,"]
[null,null,"adjusted for Company's distribution"]
[]
[null,2.4,"Rate impact to the insurer's book from changes other than updating the loss cost or"]
[null,null,"LCM (rule changes, updating rating factors, etc.)"]
[]
[null,"2.5","Maximum Permitted LCM",null,null,null,{"$f":"IF(OR(ISBLANK(Curr_LCM),ISBLANK(LossCost_PctChg_Co)),NA(),(1+'7.6Rate Change Calculation'!CHANGE_AT_MAX)*(Curr_LCM)/(1+LossCost_PctChg_Co))/(1+Other_RateImpact)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISBLANK($G$42),\"\",IF(ISERROR(MAX_LCM),\"\",IF($G$42>$G$40,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM.\",\"\")))","v":""}]
[]
["(3)","Proposed Company LCM"]

{"sheet":"8.7LCM Calculation","index":36,"n_rows":42,"n_cols":14,"rows_kept":42,"cut":false,"hidden":true,"merged":[[29,2,29,4]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with LCM Calculation Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["LOSS COST MULTIPLIER (LCM) CALCULATION"]
[]
["Detailed Line Description:",null,null,{"$f":"Detailed_LineDesc07","v":""},null,"Completed by:",null,{"$f":"Completed_By","v":""}]
["Coverage:",null,null,{"$f":"Covg07","v":""},null,"Date Completed:",null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,{"$f":"EffDate_Prior07","v":""},null,"Proposed Effective Date:",null,{"$f":"EffDate_Proposed","v":""}]
[]
["(1)","New Program Filings",null,null,null,null,null,null,null,null,"Conversion of Advisory Organization's AOE Load into a Ratio to Loss and DCCE"]
[]
[null,"1.1","CDI Advisory Organization (AO) File # underlying proposed loss costs",null,null,null,null,null,null,null,null,"[A]","[B]","[C]"]
[null,null,null,null,null,null,null,null,null,null,null,"If Formula for Load is:","Conversion to AOE/(Loss + DCCE) is:","Calculated "]
[null,"1.2","AOE or LAE load approved for line or coverage",null,null,null,null,null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,1,"AOE/(Loss+DCCE)","[A]",{"$f":"IF($G$17=\"AOE/(Loss+DCCE)\",$G$15,\"\")","v":0}]
[null,"1.3","Basis of load listed in line 1.2.",null,null,null,"AOE/(Loss+DCCE)",null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""},null,2,"(DCCE+AOE)/Loss","([A] x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(DCCE+AOE)/Loss\",($G$15*$M$21-$M$22)/($M$21+$M$22),\"\")","v":""}]
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[null,"1.4","AO's AOE as a percent of loss and DCCE (derived from 1.3 and",null,null,null,{"$f":"$N$21","v":0}]
[null,null,"U.S. P&C industry loss and DCCE experience by line)",null,null,null,null,null,null,null,null,null,{"$f":"\"Total \"&'Incurred Loss & DCCE'!$B$5&\" Line \"&Detailed_LineCode07&\" Industry P&C\"","v":"Total 2023 Line  Industry P&C"},"AOE Load"]
[null,null,null,null,null,null,null,null,null,null,null,"Incurred Losses1",{"$f":"VLOOKUP(Detailed_LineCode07,Table_IncdLossDCCE,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($G$17,$L$16:$N$18,3,FALSE)","v":0}]
[null,"1.5","Maximum Permitted LCM, based on efficiency standard",null,null,null,{"$f":"IF(ISBLANK($G$15),NA(),'7.7Rate Change Calculation'!Projected '7.7Rate Change Calculation'!Max_Premium/(('7.7Rate Change Calculation'!CredLossDCCE_perExp)*(1+AOE_Load)))","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERROR(MAX_LCM),IF(ISBLANK($G$42),\"\",IF(ISERROR(Max_EffStdBasedLCM),\"\",IF($G$42>$G$22,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM, based on efficiency standard.\",\"\"))),\"\")","v":""},null,null,"DCCE1",{"$f":"VLOOKUP(Detailed_LineCode07,Table_IncdLossDCCE,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,"1 Source: ",{"$f":"'Incurred Loss & DCCE'!$B$2&\", \"&'Incurred Loss & DCCE'!$B$4&\" Edition\"","v":"Best's Aggregates and Averages, Property & Casualty, 2024 Edition"}]
["(2)","Existing Program Filings",null,null,null,null,null,null,null,null,null,{"$f":"'Incurred Loss & DCCE'!$B$3","v":"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"}]
[]
[null,"2.1","CDI AO File # underlying current loss costs"]
[]
[null,"2.2","Current Company LCM"]
[]
[null,"2.3","CDI AO File #(s) underlying proposed loss costs (enter all applicable file numbers, separated by commas)"]
[]
[null,"2.3.i","Cumulative AO loss cost percent change approved for line or coverage "]
[]
[null,"2.3.ii","Cumulative AO loss cost percent change approved for line or coverage,"]
[null,null,"adjusted for Company's distribution"]
[]
[null,2.4,"Rate impact to the insurer's book from changes other than updating the loss cost or"]
[null,null,"LCM (rule changes, updating rating factors, etc.)"]
[]
[null,"2.5","Maximum Permitted LCM",null,null,null,{"$f":"IF(OR(ISBLANK(Curr_LCM),ISBLANK(LossCost_PctChg_Co)),NA(),(1+'7.7Rate Change Calculation'!CHANGE_AT_MAX)*(Curr_LCM)/(1+LossCost_PctChg_Co))/(1+Other_RateImpact)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISBLANK($G$42),\"\",IF(ISERROR(MAX_LCM),\"\",IF($G$42>$G$40,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM.\",\"\")))","v":""}]
[]
["(3)","Proposed Company LCM"]

{"sheet":"8.8LCM Calculation","index":37,"n_rows":42,"n_cols":14,"rows_kept":42,"cut":false,"hidden":true,"merged":[[29,2,29,4]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with LCM Calculation Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["LOSS COST MULTIPLIER (LCM) CALCULATION"]
[]
["Detailed Line Description:",null,null,{"$f":"Detailed_LineDesc08","v":""},null,"Completed by:",null,{"$f":"Completed_By","v":""}]
["Coverage:",null,null,{"$f":"Covg08","v":""},null,"Date Completed:",null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,{"$f":"EffDate_Prior08","v":""},null,"Proposed Effective Date:",null,{"$f":"EffDate_Proposed","v":""}]
[]
["(1)","New Program Filings",null,null,null,null,null,null,null,null,"Conversion of Advisory Organization's AOE Load into a Ratio to Loss and DCCE"]
[]
[null,"1.1","CDI Advisory Organization (AO) File # underlying proposed loss costs",null,null,null,null,null,null,null,null,"[A]","[B]","[C]"]
[null,null,null,null,null,null,null,null,null,null,null,"If Formula for Load is:","Conversion to AOE/(Loss + DCCE) is:","Calculated "]
[null,"1.2","AOE or LAE load approved for line or coverage",null,null,null,null,null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,1,"AOE/(Loss+DCCE)","[A]",{"$f":"IF($G$17=\"AOE/(Loss+DCCE)\",$G$15,\"\")","v":0}]
[null,"1.3","Basis of load listed in line 1.2.",null,null,null,"AOE/(Loss+DCCE)",null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""},null,2,"(DCCE+AOE)/Loss","([A] x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(DCCE+AOE)/Loss\",($G$15*$M$21-$M$22)/($M$21+$M$22),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,3,"(Loss+DCCE+AOE)/Loss","(([A] - 1) x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(Loss+DCCE+AOE)/Loss\",(($G$15-1)*M21-M22)/(M21+M22),\"\")","v":""}]
[null,"1.4","AO's AOE as a percent of loss and DCCE (derived from 1.3 and",null,null,null,{"$f":"$N$21","v":0}]
[null,null,"U.S. P&C industry loss and DCCE experience by line)",null,null,null,null,null,null,null,null,null,{"$f":"\"Total \"&'Incurred Loss & DCCE'!$B$5&\" Line \"&Detailed_LineCode08&\" Industry P&C\"","v":"Total 2023 Line  Industry P&C"},"AOE Load"]
[null,null,null,null,null,null,null,null,null,null,null,"Incurred Losses1",{"$f":"VLOOKUP(Detailed_LineCode08,Table_IncdLossDCCE,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($G$17,$L$16:$N$18,3,FALSE)","v":0}]
[null,"1.5","Maximum Permitted LCM, based on efficiency standard",null,null,null,{"$f":"IF(ISBLANK($G$15),NA(),'7.8Rate Change Calculation'!Projected '7.8Rate Change Calculation'!Max_Premium/(('7.8Rate Change Calculation'!CredLossDCCE_perExp)*(1+AOE_Load)))","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERROR(MAX_LCM),IF(ISBLANK($G$42),\"\",IF(ISERROR(Max_EffStdBasedLCM),\"\",IF($G$42>$G$22,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM, based on efficiency standard.\",\"\"))),\"\")","v":""},null,null,"DCCE1",{"$f":"VLOOKUP(Detailed_LineCode08,Table_IncdLossDCCE,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,"1 Source: ",{"$f":"'Incurred Loss & DCCE'!$B$2&\", \"&'Incurred Loss & DCCE'!$B$4&\" Edition\"","v":"Best's Aggregates and Averages, Property & Casualty, 2024 Edition"}]
["(2)","Existing Program Filings",null,null,null,null,null,null,null,null,null,{"$f":"'Incurred Loss & DCCE'!$B$3","v":"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"}]
[]
[null,"2.1","CDI AO File # underlying current loss costs"]
[]
[null,"2.2","Current Company LCM"]
[]
[null,"2.3","CDI AO File #(s) underlying proposed loss costs (enter all applicable file numbers, separated by commas)"]
[]
[null,"2.3.i","Cumulative AO loss cost percent change approved for line or coverage "]
[]
[null,"2.3.ii","Cumulative AO loss cost percent change approved for line or coverage,"]
[null,null,"adjusted for Company's distribution"]
[]
[null,2.4,"Rate impact to the insurer's book from changes other than updating the loss cost or"]
[null,null,"LCM (rule changes, updating rating factors, etc.)"]
[]
[null,"2.5","Maximum Permitted LCM",null,null,null,{"$f":"IF(OR(ISBLANK(Curr_LCM),ISBLANK(LossCost_PctChg_Co)),NA(),(1+'7.8Rate Change Calculation'!CHANGE_AT_MAX)*(Curr_LCM)/(1+LossCost_PctChg_Co))/(1+Other_RateImpact)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISBLANK($G$42),\"\",IF(ISERROR(MAX_LCM),\"\",IF($G$42>$G$40,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM.\",\"\")))","v":""}]
[]
["(3)","Proposed Company LCM"]

{"sheet":"8.9LCM Calculation","index":38,"n_rows":42,"n_cols":14,"rows_kept":42,"cut":false,"hidden":true,"merged":[[29,2,29,4]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with LCM Calculation Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["LOSS COST MULTIPLIER (LCM) CALCULATION"]
[]
["Detailed Line Description:",null,null,{"$f":"Detailed_LineDesc09","v":""},null,"Completed by:",null,{"$f":"Completed_By","v":""}]
["Coverage:",null,null,{"$f":"Covg09","v":""},null,"Date Completed:",null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,{"$f":"EffDate_Prior09","v":""},null,"Proposed Effective Date:",null,{"$f":"EffDate_Proposed","v":""}]
[]
["(1)","New Program Filings",null,null,null,null,null,null,null,null,"Conversion of Advisory Organization's AOE Load into a Ratio to Loss and DCCE"]
[]
[null,"1.1","CDI Advisory Organization (AO) File # underlying proposed loss costs",null,null,null,null,null,null,null,null,"[A]","[B]","[C]"]
[null,null,null,null,null,null,null,null,null,null,null,"If Formula for Load is:","Conversion to AOE/(Loss + DCCE) is:","Calculated "]
[null,"1.2","AOE or LAE load approved for line or coverage",null,null,null,null,null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,1,"AOE/(Loss+DCCE)","[A]",{"$f":"IF($G$17=\"AOE/(Loss+DCCE)\",$G$15,\"\")","v":0}]
[null,"1.3","Basis of load listed in line 1.2.",null,null,null,"AOE/(Loss+DCCE)",null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""},null,2,"(DCCE+AOE)/Loss","([A] x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(DCCE+AOE)/Loss\",($G$15*$M$21-$M$22)/($M$21+$M$22),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,3,"(Loss+DCCE+AOE)/Loss","(([A] - 1) x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(Loss+DCCE+AOE)/Loss\",(($G$15-1)*M21-M22)/(M21+M22),\"\")","v":""}]
[null,"1.4","AO's AOE as a percent of loss and DCCE (derived from 1.3 and",null,null,null,{"$f":"$N$21","v":0}]
[null,null,"U.S. P&C industry loss and DCCE experience by line)",null,null,null,null,null,null,null,null,null,{"$f":"\"Total \"&'Incurred Loss & DCCE'!$B$5&\" Line \"&Detailed_LineCode09&\" Industry P&C\"","v":"Total 2023 Line  Industry P&C"},"AOE Load"]
[null,null,null,null,null,null,null,null,null,null,null,"Incurred Losses1",{"$f":"VLOOKUP(Detailed_LineCode09,Table_IncdLossDCCE,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($G$17,$L$16:$N$18,3,FALSE)","v":0}]
[null,"1.5","Maximum Permitted LCM, based on efficiency standard",null,null,null,{"$f":"IF(ISBLANK($G$15),NA(),'7.9Rate Change Calculation'!Projected '7.9Rate Change Calculation'!Max_Premium/(('7.9Rate Change Calculation'!CredLossDCCE_perExp)*(1+AOE_Load)))","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERROR(MAX_LCM),IF(ISBLANK($G$42),\"\",IF(ISERROR(Max_EffStdBasedLCM),\"\",IF($G$42>$G$22,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM, based on efficiency standard.\",\"\"))),\"\")","v":""},null,null,"DCCE1",{"$f":"VLOOKUP(Detailed_LineCode09,Table_IncdLossDCCE,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,"1 Source: ",{"$f":"'Incurred Loss & DCCE'!$B$2&\", \"&'Incurred Loss & DCCE'!$B$4&\" Edition\"","v":"Best's Aggregates and Averages, Property & Casualty, 2024 Edition"}]
["(2)","Existing Program Filings",null,null,null,null,null,null,null,null,null,{"$f":"'Incurred Loss & DCCE'!$B$3","v":"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"}]
[]
[null,"2.1","CDI AO File # underlying current loss costs"]
[]
[null,"2.2","Current Company LCM"]
[]
[null,"2.3","CDI AO File #(s) underlying proposed loss costs (enter all applicable file numbers, separated by commas)"]
[]
[null,"2.3.i","Cumulative AO loss cost percent change approved for line or coverage "]
[]
[null,"2.3.ii","Cumulative AO loss cost percent change approved for line or coverage,"]
[null,null,"adjusted for Company's distribution"]
[]
[null,2.4,"Rate impact to the insurer's book from changes other than updating the loss cost or"]
[null,null,"LCM (rule changes, updating rating factors, etc.)"]
[]
[null,"2.5","Maximum Permitted LCM",null,null,null,{"$f":"IF(OR(ISBLANK(Curr_LCM),ISBLANK(LossCost_PctChg_Co)),NA(),(1+'7.9Rate Change Calculation'!CHANGE_AT_MAX)*(Curr_LCM)/(1+LossCost_PctChg_Co))/(1+Other_RateImpact)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISBLANK($G$42),\"\",IF(ISERROR(MAX_LCM),\"\",IF($G$42>$G$40,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM.\",\"\")))","v":""}]
[]
["(3)","Proposed Company LCM"]

{"sheet":"8.10LCM Calculation","index":39,"n_rows":42,"n_cols":14,"rows_kept":42,"cut":false,"hidden":true,"merged":[[29,2,29,4]]}
["State of California",null,null,null,"Company:",null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with LCM Calculation Page to the Left"]
["Department of Insurance (CDI)",null,null,null,"Line:",null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[null,null,null,null,"CDI File #:",null,null,{"$f":"CDI_FileNo","v":""}]
[]
["LOSS COST MULTIPLIER (LCM) CALCULATION"]
[]
["Detailed Line Description:",null,null,{"$f":"Detailed_LineDesc10","v":""},null,"Completed by:",null,{"$f":"Completed_By","v":""}]
["Coverage:",null,null,{"$f":"Covg10","v":""},null,"Date Completed:",null,{"$f":"Completed_Date","v":""}]
["Prior Effective Date:",null,null,{"$f":"EffDate_Prior10","v":""},null,"Proposed Effective Date:",null,{"$f":"EffDate_Proposed","v":""}]
[]
["(1)","New Program Filings",null,null,null,null,null,null,null,null,"Conversion of Advisory Organization's AOE Load into a Ratio to Loss and DCCE"]
[]
[null,"1.1","CDI Advisory Organization (AO) File # underlying proposed loss costs",null,null,null,null,null,null,null,null,"[A]","[B]","[C]"]
[null,null,null,null,null,null,null,null,null,null,null,"If Formula for Load is:","Conversion to AOE/(Loss + DCCE) is:","Calculated "]
[null,"1.2","AOE or LAE load approved for line or coverage",null,null,null,null,null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,1,"AOE/(Loss+DCCE)","[A]",{"$f":"IF($G$17=\"AOE/(Loss+DCCE)\",$G$15,\"\")","v":0}]
[null,"1.3","Basis of load listed in line 1.2.",null,null,null,"AOE/(Loss+DCCE)",null,{"$f":"IF(AND($G$17=\"(Loss+DCCE+AOE)/Loss\",$G$15<1),\"← ERROR! AOE or LAE load must be ≥ 1.00 for selected load basis.\",\"\")","v":""},null,2,"(DCCE+AOE)/Loss","([A] x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(DCCE+AOE)/Loss\",($G$15*$M$21-$M$22)/($M$21+$M$22),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,3,"(Loss+DCCE+AOE)/Loss","(([A] - 1) x Loss - DCCE)/(Loss + DCCE)",{"$f":"IF($G$17=\"(Loss+DCCE+AOE)/Loss\",(($G$15-1)*M21-M22)/(M21+M22),\"\")","v":""}]
[null,"1.4","AO's AOE as a percent of loss and DCCE (derived from 1.3 and",null,null,null,{"$f":"$N$21","v":0}]
[null,null,"U.S. P&C industry loss and DCCE experience by line)",null,null,null,null,null,null,null,null,null,{"$f":"\"Total \"&'Incurred Loss & DCCE'!$B$5&\" Line \"&Detailed_LineCode10&\" Industry P&C\"","v":"Total 2023 Line  Industry P&C"},"AOE Load"]
[null,null,null,null,null,null,null,null,null,null,null,"Incurred Losses1",{"$f":"VLOOKUP(Detailed_LineCode10,Table_IncdLossDCCE,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($G$17,$L$16:$N$18,3,FALSE)","v":0}]
[null,"1.5","Maximum Permitted LCM, based on efficiency standard",null,null,null,{"$f":"IF(ISBLANK($G$15),NA(),'7.10Rate Change Calculation'!Projected '7.10Rate Change Calculation'!Max_Premium/(('7.10Rate Change Calculation'!CredLossDCCE_perExp)*(1+AOE_Load)))","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERROR(MAX_LCM),IF(ISBLANK($G$42),\"\",IF(ISERROR(Max_EffStdBasedLCM),\"\",IF($G$42>$G$22,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM, based on efficiency standard.\",\"\"))),\"\")","v":""},null,null,"DCCE1",{"$f":"VLOOKUP(Detailed_LineCode10,Table_IncdLossDCCE,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,"1 Source: ",{"$f":"'Incurred Loss & DCCE'!$B$2&\", \"&'Incurred Loss & DCCE'!$B$4&\" Edition\"","v":"Best's Aggregates and Averages, Property & Casualty, 2024 Edition"}]
["(2)","Existing Program Filings",null,null,null,null,null,null,null,null,null,{"$f":"'Incurred Loss & DCCE'!$B$3","v":"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"}]
[]
[null,"2.1","CDI AO File # underlying current loss costs"]
[]
[null,"2.2","Current Company LCM"]
[]
[null,"2.3","CDI AO File #(s) underlying proposed loss costs (enter all applicable file numbers, separated by commas)"]
[]
[null,"2.3.i","Cumulative AO loss cost percent change approved for line or coverage "]
[]
[null,"2.3.ii","Cumulative AO loss cost percent change approved for line or coverage,"]
[null,null,"adjusted for Company's distribution"]
[]
[null,2.4,"Rate impact to the insurer's book from changes other than updating the loss cost or"]
[null,null,"LCM (rule changes, updating rating factors, etc.)"]
[]
[null,"2.5","Maximum Permitted LCM",null,null,null,{"$f":"IF(OR(ISBLANK(Curr_LCM),ISBLANK(LossCost_PctChg_Co)),NA(),(1+'7.10Rate Change Calculation'!CHANGE_AT_MAX)*(Curr_LCM)/(1+LossCost_PctChg_Co))/(1+Other_RateImpact)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISBLANK($G$42),\"\",IF(ISERROR(MAX_LCM),\"\",IF($G$42>$G$40,\"← WARNING! Proposed Company LCM exceeds Maximum Permitted LCM.\",\"\")))","v":""}]
[]
["(3)","Proposed Company LCM"]

{"sheet":"Efficiency Standard","index":40,"n_rows":41,"n_cols":5,"rows_kept":41,"cut":false,"hidden":true,"merged":[]}
["Efficiency Standards: 3-Year Industry Average"]
["Sources:","California Marketing System Survey"]
[null,"Annual Statement - Statutory Page 14 for California"]
["Last year of data:",2023]
["Prepared by:","Rate Regulation Branch - Rate Services Bureau"]
["Last revised:","2025-02-21"]
[]
[null,1,2,3,4]
["Line","Captive","Direct","Independent","Line Description"]
["1.0P",0.27469667828527911,0.27469667828527911,0.367258447725687,"Fire - Personal"]
["1.0C",0.27085371338251063,0.27085371338251063,0.27085371338251063,"Fire - Commercial"]
[2.1,0.30231903253528009,0.29190940136802906,0.30231903253528009,"Allied Lines"]
[3,0.35924534598045299,0.35924534598045299,0.34735214523777996,"Farmowners Multiple Peril"]
[4,0.33000426437280966,0.26564433207521737,0.35285637022422994,"Homeowners Multiple Peril"]
[5,0.35941141045463132,0.30250460292275466,0.36322669213385317,"Commercial Multiple Peril (Lines 5.1 & 5.2 combined)"]
[5.0999999999999996,0.35354069984040964,0.3122254686139237,0.35353630667461727,"Commercial Multiple Peril (Non-Liability)"]
[5.2,0.37265482486348517,0.29444694706971103,0.37860964979701217,"Commercial Multiple Peril (Liability)"]
[9,0.29785964389513275,0.23012311828289231,0.29785964389513275,"Inland Marine"]
[11,0.36453721820359858,0.2309048238552078,0.34433711894853647,"Medical Malpractice"]
[11.1,0.29539053638299501,0.21585717983446578,0.39789041827347899,"Medical Malpractice (Occurrence)"]
[11.2,0.34820266544600098,0.28039561533972229,0.35920669189971999,"Medical Malpractice (Claims-Made)"]
["11.0R",0.36453721820359858,0.2309048238552078,0.34433711894853647,"Medical Malpractice - incl. reinsurance costs"]
["11.1R",0.29539053638299501,0.21585717983446578,0.39789041827347899,"Medical Malpractice (Occurrence) - incl. reinsurance costs"]
["11.2R",0.34820266544600098,0.28039561533972229,0.35920669189971999,"Medical Malpractice (Claims-Made) - incl. reinsurance costs"]
[12,0.20197185634145409,0.23082584255341509,0.26741822642852614,"Earthquake"]
["12.0R",0.20197185634145409,0.23082584255341509,0.26741822642852614,"Earthquake w/consideration for the cost of reinsurance"]
[17,0.32877256879560718,0.30376760122188728,0.31395843576684557,"Other Liability"]
[17.100000000000001,0.32230989472083543,0.25698494277087564,0.29443015228305769,"Other Liability (Occurrence)"]
[17.2,0.39532988863263113,0.48784048994392454,0.33190185323465915,"Other Liability (Claims-Made)"]
[18,0.30730634263928958,0.30730634263928958,0.30730634263928958,"Products Liability"]
[18.100000000000001,0.33292817646574002,0.33292817646574002,0.33292817646574002,"Products Liability (Occurrence)"]
[18.2,0.36251923847204998,0.36251923847204998,0.36251923847204998,"Products Liability (Claims-Made)"]
[19.2,0.30186774667760602,0.19780265619990503,0.34773315958722034,"Private Passenger Auto Liability"]
[19.399999999999999,0.334925472363169,0.234280214384363,0.31538964495445365,"Commercial Auto Liability"]
[21.1,0.3253791690369523,0.22229974117374732,0.35160733295186936,"Private Passenger Auto Physical Damage"]
[21.2,0.35302522786995133,0.32606083805591068,0.33414344612200364,"Commercial Auto Physical Damage"]
[22,0.29917337268404304,0.29469479484013966,0.29926460825829732,"Aircraft"]
[23,0.38121384770419264,0.289702777596756,0.38543785158722138,"Fidelity"]
[24,0.450965003012824,0.450965003012824,0.450965003012824,"Surety"]
[26,0.38782168251805815,0.38782168251805815,0.38782168251805815,"Burglary & Theft"]
[27,0.29532057974895143,0.26046594914477988,0.31714924511536796,"Boiler & Machinery"]

{"sheet":"Leverage Factor","index":41,"n_rows":43,"n_cols":3,"rows_kept":43,"cut":false,"hidden":true,"merged":[]}
["Leverage Factor"]
["Source:","Best's Aggregates and Averages"]
["Edition:",2024]
["Last year of data:",2023]
["Prepared by:","Rate Regulation Branch - Rate Services Bureau"]
["Last revised:","2024-12-19"]
[]
[]
[null,1,2]
["Line","Leverage Factor","Line Description"]
[1,0.9379665997042248,"Fire"]
["1.0P",{"$f":"B11","v":0.9379665997042248},"Fire"]
["1.0C",{"$f":"B11","v":0.9379665997042248},"Fire"]
[2.1,0.9196445355750289,"Allied Lines"]
[3,1.1151149058948489,"Farmowners Multiple Peril"]
[4,1.029488003570576,"Homeowners Multiple Peril"]
[5,0.75219043974676825,"Commercial Multiple Peril (Lines 5.1 & 5.2 combined)"]
[5.0999999999999996,0.98574890486226641,"Commercial Multiple Peril (Non-Liability)"]
[5.2,0.51462011320325329,"Commercial Multiple Peril (Liability)"]
[9,1.1343251356557122,"Inland Marine"]
[11,0.42859997495984575,"Medical Malpractice"]
[11.1,0.32871939044809262,"Medical Malpractice (Occurrence)"]
[11.2,0.47321336816174242,"Medical Malpractice (Claims-Made)"]
["11.0R",0.42859997495984575,"Medical Malpractice - incl. reinsurance costs"]
["11.1R",0.32871939044809262,"Medical Malpractice (Occurrence) - incl. reinsurance costs"]
["11.2R",0.47321336816174242,"Medical Malpractice (Claims-Made) - incl. reinsurance costs"]
[12,1,"Earthquake"]
["12.0R",1,"Earthquake w/consideration for the cost of reinsurance"]
[17,0.51302822319366437,"Other Liability"]
[17.100000000000001,0.51616513707814182,"Other Liability (Occurrence)"]
[17.2,0.53912726856688908,"Other Liability (Claims-Made)"]
[18,0.38442688850531964,"Products Liability"]
[18.100000000000001,0.36773724535505581,"Products Liability (Occurrence)"]
[18.2,0.51697284198750437,"Products Liability (Claims-Made)"]
[19.2,0.88339481681191467,"Private Passenger Auto Liability"]
[19.399999999999999,0.65474400234576635,"Commercial Auto Liability"]
[21.1,1.4460524212465977,"Private Passenger Auto Physical Damage"]
[21.2,1.1918392947538066,"Commercial Auto Physical Damage"]
[22,0.680484281605649,"Aircraft"]
[23,0.74301832747552243,"Fidelity"]
[24,0.88730007457891669,"Surety"]
[26,0.80730366080616189,"Burglary & Theft"]
[27,1.0736957351807124,"Boiler & Machinery"]

{"sheet":"Reserves Ratio","index":42,"n_rows":43,"n_cols":4,"rows_kept":43,"cut":false,"hidden":true,"merged":[]}
["Reserves Ratio"]
["Source:","Best's Aggregates and Averages, Property & Casualty"]
["Editions:","2024"]
["Last year of data:",2023]
["Prepared by:","Rate Regulation Branch - Rate Services Bureau"]
["Last revised:","2024-12-19"]
[]
[]
[null,1,2,3]
["Line","Unearned Premium Reserves","Loss Reserves","Line Description"]
[1,0.52541995019804855,1.217203288775877,"Fire"]
["1.0P",{"$f":"B11","v":0.52541995019804855},{"$f":"C11","v":1.217203288775877},"Fire"]
["1.0C",{"$f":"B11","v":0.52541995019804855},{"$f":"C11","v":1.217203288775877},"Fire"]
[2.1,0.49118843171863774,0.86467854854619275,"Allied Lines"]
[3,0.4700939859558797,1.8351818783416221,"Farmowners Multiple Peril"]
[4,0.51914910395942715,0.69369535755178713,"Homeowners Multiple Peril"]
[5,0.47524707358279666,1.5859944999997346,"Commercial Multiple Peril (Lines 5.1 & 5.2 combined)"]
[5.0999999999999996,0.47773809081926982,0.87851940614463531,"Commercial Multiple Peril (Non-Liability)"]
[5.2,0.47068295800519105,2.2544286211470324,"Commercial Multiple Peril (Liability)"]
[9,0.29717561146930349,0.5427200924347505,"Inland Marine"]
[11,0.51647817778929583,3.2710364223074029,"Medical Malpractice"]
[11.1,0.62248375751173246,5.0910437774671404,"Medical Malpractice (Occurrence)"]
[11.2,0.48358686374734028,2.7521700271076122,"Medical Malpractice (Claims-Made)"]
["11.0R",{"$f":"B21","v":0.51647817778929583},3.2710364223074029,"Medical Malpractice - incl. reinsurance costs"]
["11.1R",0.62248375751173246,5.0910437774671404,"Medical Malpractice (Occurrence) - incl. reinsurance costs"]
["11.2R",0.48358686374734028,2.7521700271076122,"Medical Malpractice (Claims-Made) - incl. reinsurance costs"]
[12,0.49205532890028719,1,"Earthquake"]
["12.0R",{"$f":"B27","v":0.49205532890028719},{"$f":"C27","v":1},"Earthquake w/consideration for the cost of reinsurance"]
[17,0.56168284100543475,3.1025717747237693,"Other Liability"]
[17.100000000000001,0.52925824712011971,2.9190225703315522,"Other Liability (Occurrence)"]
[17.2,0.61741951356032865,3.5494878878576213,"Other Liability (Claims-Made)"]
[18,0.4853730125085276,4.2168184734518546,"Products Liability"]
[18.100000000000001,0.48499017430005764,4.2848855330223685,"Products Liability (Occurrence)"]
[18.2,0.48753575387732939,3.6999132768738634,"Products Liability (Claims-Made)"]
[19.2,0.32001635557602631,1.164791959049003,"Private Passenger Auto Liability"]
[19.399999999999999,0.46645442548469224,1.6369464830932685,"Commercial Auto Liability"]
[21.1,0.32616038423229848,0.10384378696571227,"Private Passenger Auto Physical Damage"]
[21.2,0.43411593673825694,0.3265790706863988,"Commercial Auto Physical Damage"]
[22,0.38130192748351516,1.6247533549300519,"Aircraft"]
[23,0.58197332525593237,3.1223318778492652,"Fidelity"]
[24,0.59059536484686503,3.4889299317558362,"Surety"]
[26,0.52348901504974987,0.79001222558553053,"Burglary & Theft"]
[27,0.53187614321796872,1.3610726433678431,"Boiler & Machinery"]

{"sheet":"Incurred Loss & DCCE","index":43,"n_rows":46,"n_cols":4,"rows_kept":46,"cut":false,"hidden":true,"merged":[]}
["Incurred Loss and DCCE"]
["Source:","Best's Aggregates and Averages, Property & Casualty"]
[null,"Statement File Supplement - Exhibit of Premiums and Losses -Total US PC Industry"]
["Edition:",2024]
["Last year of data:",2023]
["Prepared by:","Rate Regulation Branch"]
["Last revised:","2024-12-19"]
[]
[null,1,2,3]
["Line","Incurred Loss (000s)","DCCE (000s)","Line Description"]
[1,11392772,390697,"Fire"]
["1.0P",11392772,390697,"Fire"]
["1.0C",11392772,390697,"Fire"]
[2.1,12796115,384816,"Allied Lines"]
[3,4441275,61283,"Farmowners Multiple Peril"]
[4,100727633,2354735,"Homeowners Multiple Peril"]
[5,{"$f":"B18+B19","v":36033507},{"$f":"C18+C19","v":3586618},"Commercial Multiple Peril (Lines 5.1 & 5.2 combined)"]
[5.0999999999999996,24180694,636227,"Commercial Multiple Peril (Non-Liability)"]
[5.2,11852813,2950391,"Commercial Multiple Peril (Liability)"]
[9,15527017,341299,"Inland Marine"]
[11,{"$f":"B22+B23","v":6548668},{"$f":"C22+C23","v":2344336},"Medical Malpractice"]
[11.1,1330858,425140,"Medical Malpractice (Occurrence)1"]
[11.2,5217810,1919196,"Medical Malpractice (Claims-Made)1"]
["11.0R",{"$f":"B21","v":6548668},2344336,"Medical Malpractice - incl. reinsurance costs"]
["11.1R",1330858,425140,"Medical Malpractice (Occurrence) - incl. reinsurance costs1"]
["11.2R",5217810,1919196,"Medical Malpractice (Claims-Made) - incl. reinsurance costs1"]
[12,22756,3137,"Earthquake"]
["12.0R",{"$f":"B27","v":22756},{"$f":"C27","v":3137},"Earthquake w/consideration for the cost of reinsurance"]
[17,{"$f":"B30+B31","v":71654461},{"$f":"C30+C31","v":10356252},"Other Liability"]
[17.100000000000001,50938597,6403478,"Other Liability (Occurrence)1"]
[17.2,20715864,3952774,"Other Liability (Claims-Made)1"]
[18,{"$f":"B33+B34","v":2753355},{"$f":"C33+C34","v":946899},"Products Liability"]
[18.100000000000001,2370768,838895,"Products Liability (Occurrence)1"]
[18.2,382587,108004,"Products Liability (Claims-Made)1"]
[19.2,120108958,5286665,"Private Passenger Auto Liability"]
[19.399999999999999,35721847,3531084,"Commercial Auto Liability"]
[21.1,98583791,385135,"Private Passenger Auto Physical Damage"]
[21.2,9394573,174639,"Commercial Auto Physical Damage"]
[22,1385335,173130,"Aircraft"]
[23,503940,22177,"Fidelity"]
[24,1977948,235673,"Surety"]
[26,180506,12309,"Burglary & Theft"]
[27,969342,14389,"Boiler & Machinery"]
[]
["1  Claims-Made and Occurrence policies use figures based on line totals "]
["(i.e., 11.0 for Medical Malpractice, 17.0 for Other Liability and 18.0 for Products Liability)"]

{"sheet":"Federal Income Tax Rate","index":44,"n_rows":33,"n_cols":2,"rows_kept":33,"cut":false,"hidden":true,"merged":[]}
["Federal Income Tax Rate"]
["Source:","2018 Federal Tax Bill"]
["Edition:",2018]
["Prepared by:","Rate Regulation Branch"]
["Last revised:","2018-02-23"]
[]
[null,1]
[null,"2018 Federal Tax Bill"]
[null,0.21]
["U.S. Government Bonds"]
["(i) Short-Term",0.21]
["(ii) Intermediate-Term",0.21]
["(iii) Long-Term",0.21]
["Other Taxable Bonds"]
["(i) Short-Term",0.21]
["(ii) Intermediate-Term",0.21]
["(iii) Long-Term",0.21]
["Tax-Exempt Bonds"]
["(i) Short-Term",{"$f":"0.25*21%","v":5.2499999999999998E-2}]
["(ii) Intermediate-Term",{"$f":"0.25*21%","v":5.2499999999999998E-2}]
["(iii) Long-Term",{"$f":"0.25*21%","v":5.2499999999999998E-2}]
["Common Stock"]
["(i) Dividends",0.13125000000000001]
["(ii) Capital Gains",0.21]
["Preferred Stock Dividends",0.13125000000000001]
["Mortgage Loans",0.21]
["Real Estate",0.21]
["Cash",0.21]
["Other"]
["(i) Dividends",0.13125000000000001]
["(ii) Capital Gains",0.21]
["Total Gross Invested Assets"]
["Investment Expense",0.21]

{"sheet":"Commission Rates","index":45,"n_rows":41,"n_cols":5,"rows_kept":41,"cut":false,"hidden":true,"merged":[]}
["Efficiency Standards: 3-Year Industry Average"]
["Sources:","California Marketing System Survey"]
[null,"Annual Statement - Statutory Page 14 for California"]
["Last year of data:",2023]
["Prepared by:","Rate Regulation Branch - Rate Services Bureau"]
["Last revised:","2025-02-21"]
[]
[null,1,2,3,4]
["Line","Captive","Direct","Independent","Line Description"]
["1.0P",0.11820380701806933,0.11820380701806933,0.16021932912189632,"Fire - Personal"]
["1.0C",0.1073256853637774,0.1073256853637774,0.1073256853637774,"Fire - Commercial"]
[2.1,0.1029466846121173,4.9911448054470045E-3,0.1029466846121173,"Allied Lines"]
[3,0.17741524623748731,0.17741524623748731,0.18160264446243257,"Farmowners Multiple Peril"]
[4,0.11620183025894167,7.4963264668109833E-3,0.17704493642258748,"Homeowners Multiple Peril"]
[5,0.13242830483114224,7.5370341546996998E-3,0.17396909702441279,"Commercial Multiple Peril (Lines 5.1 & 5.2 combined)"]
[5.0999999999999996,0.13099267464063008,9.44536451858719E-3,0.16863247238109755,"Commercial Multiple Peril (Non-Liability)"]
[5.2,0.13566087071575056,6.6653951499728997E-3,0.18248584732283168,"Commercial Multiple Peril (Liability)"]
[9,0.15346554935200868,2.4326755535772213E-2,0.15346554935200868,"Inland Marine"]
[11,4.309086508653942E-2,2.1251943187244478E-3,0.15504373984802641,"Medical Malpractice"]
[11.1,5.0899432655404302E-2,1.5055801649074183E-3,0.24774201359412101,"Medical Malpractice (Occurrence)"]
[11.2,3.7441309822217002E-2,4.6473657178806079E-3,0.116804202813814,"Medical Malpractice (Claims-Made)"]
["11.0R",3.7441309822217002E-2,4.6473657178806079E-3,0.116804202813814,"Medical Malpractice - incl. reinsurance costs"]
["11.1R",3.7441309822217002E-2,4.6473657178806079E-3,0.116804202813814,"Medical Malpractice (Occurrence) - incl. reinsurance costs"]
["11.2R",3.7441309822217002E-2,4.6473657178806079E-3,0.116804202813814,"Medical Malpractice (Claims-Made) - incl. reinsurance costs"]
[12,0.1055842744121769,6.0213990277330355E-2,0.13202023072395042,"Earthquake"]
["12.0R",0.1055842744121769,6.0213990277330355E-2,0.13202023072395042,"Earthquake w/consideration for the cost of reinsurance"]
[17,0.14313465869291045,1.2821631417121136E-2,0.15473824509219203,"Other Liability"]
[17.100000000000001,0.12706986498405262,1.0092881277358837E-2,0.13645902917894126,"Other Liability (Occurrence)"]
[17.2,0.30868860487828959,2.3561534327871749E-2,0.17128617823696005,"Other Liability (Claims-Made)"]
[18,0.13267202259503963,0.13267202259503963,0.13267202259503963,"Products Liability"]
[18.100000000000001,0.130295042910057,0.130295042910057,0.130295042910057,"Products Liability (Occurrence)"]
[18.2,0.15059332558153701,0.15059332558153701,0.15059332558153701,"Products Liability (Claims-Made)"]
[19.2,7.1650484439350237E-2,4.989795498719897E-3,0.13499669242495799,"Private Passenger Auto Liability"]
[19.399999999999999,0.11400239843037101,1.4812239347262232E-2,0.14491253459397133,"Commercial Auto Liability"]
[21.1,8.6156444504777774E-2,4.9061179594787167E-3,0.13753812385386399,"Private Passenger Auto Physical Damage"]
[21.2,0.11612398448366333,1.4016202626667473E-2,0.15656122332863734,"Commercial Auto Physical Damage"]
[22,0.17824782132321002,0,0.18154271837280134,"Aircraft"]
[23,0.18363016113995934,2.9039231588301554E-4,0.19322513496767468,"Fidelity"]
[24,0.25597895279040267,0.25597895279040267,0.25597895279040267,"Surety"]
[26,0.25212034202793021,0.25212034202793021,0.25212034202793021,"Burglary & Theft"]
[27,0.12868701968601737,8.3365787830663241E-4,0.11898480454354188,"Boiler & Machinery"]