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{"sheet":"Settings","index":0,"n_rows":26,"n_cols":2,"rows_kept":26,"cut":false,"hidden":true,"merged":[]}
["For Department Use Only"]
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["Password:","DrGv9EjE"]
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["Enter Edition Date here=>","07/14/2025"]
["Click button below to update footers for each sheet of the application with new edition date."]
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["Click button below to hide sheets that are for Department use only, i.e. Input sheet."]
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[]
["RangeNames"]
["Edition_Date",{"$f":"B10&\" Edition\"","v":"07/14/2025 Edition"}]
["Co_Name",{"$f":"IF(ISBLANK('1.General'!$C$12),\"\",'1.General'!$C$12)","v":""}]
["General_Line",{"$f":"INDEX(List_GeneralLine,References!$F$5,1)","v":0}]
["CDI_FileNo",{"$f":"IF(ISBLANK('1.General'!$B$10),\"\",'1.General'!$B$10)","v":""}]
["Completed_By",{"$f":"IF(ISBLANK('1.General'!$B$8),\"\",'1.General'!$B$8)","v":""}]
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{"sheet":"Instructions","index":1,"n_rows":17,"n_cols":5,"rows_kept":17,"cut":false,"hidden":false,"merged":[]}
["Instructions for Completing Standard SIS Exhibit 9 (Catastrophe)",null,null,"Instructions for Completing Standard SIS Exhibit 12 (NCOR)"]
["Accompanying the Prior Approval Rate Application",null,null,"Accompanying the Prior Approval Rate Application"]
[]
[null,"Note:  For information on populating the application in its entirety, including the Prior Approval Rate Application, Prior Approval Rate Template, Standard Exhibits Template, and Standard SIS Exhibits Template, refer to the complete Prior Approval Rate Filing Instructions posted in PDF format on the CDI website, below:",null,null,"Note:  For information on populating the application in its entirety, including the Prior Approval Rate Application, Prior Approval Rate Template, Standard Exhibits Template, and Standard SIS  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 separate Standard SIS Exhibit 9 is required to be completed for each form (e.g., HO-3, HO-4, HO-6, etc.) or program using a Catastrophe Adjustment Factor in the  Prior Approval Rate Template.  Catastrophe models for certain perils may only be utilized if the insurer complies with the insurer commitments defined in CCR §2644.4.8. For each new filing submitted, download a new template - do not \"recycle\" a template from a previously approved filing.",null,"1)","A separate Standard SIS Exhibit 12 is required to be completed for each form or program and for all filing types with rate impact where the Standard NCOR is considered, as indicated on Page 1 of the Rate Template. Standard NCOR Calculations may only be utilized if the insurer complies with the insurer commitments defined in CCR §2644.25.3. [Note: Rows for Standard NCOR information are hidden at the bottom of Pages 6 to 7 of the Rate Template unless unless Standard NCOR is selected on page 1 of the Rate Template.] For each new filing submitted, download a new template - do not \"recycle\" a template from a previously approved filing."]
["2)","Areas of insurer input are generally identified with blue font text and/or light blue outlined boxes. ",null,"2)","Areas of insurer input are generally identified with blue font text and/or light blue outlined boxes. "]
["3) ","In addition to identifying the form or program included in this template, enter the insurer information common to all forms as well as information specific to the insurer’s treatment of catastrophes in the \"1.General\" page, including, but not limited to, Company Name; General Line; Definitions of Catastrophe and Wildfire; and Catastrophe Models if any.",null,"3)","In addition to identifying the form or program included in this template, enter the insurer information common to all forms in the \"1.General\" page, including, but not limited to, Company Name; General Line; Compliance with Insurer Commitments; Variance Request; and Catastrophe Model Consistency."]
["4)","On pages 3 through 5 of this template ('3.Ex9b_HistCatEvnts', '4.Ex9b_HistCatAdj' and '5.Ex9b_HistData'), enter historical catastrophe events, historical AIY and alternate weightings by year, historical catastrophe and non-catastrophe data by year, including paid, case-incurred, IBNR, subrogation and salvage detail.  This historical data must be entered separately for perils modeled and perils not modeled.",null,"4)","If the Company is afilliated with an insurer group, as determined by the NAIC, enter the NAIC Group Code.  If the Company is not affiliated with an insurer group, as determined by the NAIC, enter the NAIC Company Code. Property Direct Written Premiums for the Most Recently Available Calendar Year will automatically be populated based on the NAIC code entered."]
["5)","On pages 6 through 8 of this template ('6.Ex9c_Mod_WF', '6.Ex9c_Mod_FFEQ', and '8.Ex9c_Mod_Terrorism'), provide the model name and version for each model considered, and enter the average annual losses for each model used, both with and without demand surge. Enter the weights used in the determination of the selected average annual losses.  Identify whether the Company's in-force exposures were used to run each model, or if Variance 10 was applied.  Identify the number of in-force exposures used in the model run and the AIY associated with those exposures.",null,"5)","On the '13.Exhibit 12b_NCOR_in_Layer' page, for each form or program and modeled catastrophe peril, enter the in-force exposure count input into the model(s). Explain how the selected model was chosen/derived in the Filing Memorandum. \nProvide the model name and version for each model considered. Enter the following data by loss probability layer for the Selected Model, as well as each model considered for selection: Attachment Point; Exhaustion Point; and Expected Loss in Layer.  If the Selected Model is based on a combination of models, provide a separate additional exhibit showing the derivation of the expected loss in layer by return period range with formulae intact."]
["6)","On the '9.Exh9c_DCCE_to_Loss' page, enter the selected DCCE-to-Loss ratio. Justify the selection in the Filing Memoradum.  The selected DCCE ratios on this page should be consistent with the selected DCCE ratios shown in Exhibit 12b.",null,null,"The company must provide the following inputs separately for each model, modeled peril and line of business/program/form:\ni. PMLs associated with each of the return periods for the Standard NCOR, which should be calculated on an occurrence exceedance basis."]
["7)","On the '10.Ex9d_Proj_AIY' page, enter the earned exposures and earned AIY for the 27 quarters that generate the 24 rolling 4-quarter average AIY.  Enter the selected trend fit.  Note, the number of points selected for the trend fit must be the same for AIY, premium and loss.  Selections and assumptions must be justified in the Filing Memorandum.",null,null,"ii. Modeled losses by layer, which should reflect losses from multiple events (e.g. from AEP curve). \nSimilar to per-occurrence reinsurance contracts where the modeled loss recoveries are calculated based on each event’s loss penetration into the layer, the modeled losses by layer should reflect losses from multiple events (e.g. from AEP curve). "]
["8)","On the '11.Ex9e_Proj_Ult_NonCAT' page, enter the insurer input identified from the corresponding '6.x Ratemaking Data' page of the Rate Template.  This information is used in the final calculation of the insurer’s total catastrophe load on '2.Ex9a_TotCatAdj'  to convert the catastrophe adjustment from a quantity expressed as a ratio to earned exposure to a quantity expressed as a ratio to projected ultimate non-catastrophe losses and DCCE. ",null,null,"While per-occurrence reinsurance contracts may only include coverage for a specific number of events (including reinstatements), all events should be included in the modeled losses by layer for the Standard NCOR. This ensures that the sum of modeled losses by layer equals the total AAL.\nThese calculations should be performed separately for each modeled peril for a given line/program. In the line/program’s rate filing, the by-peril results will be combined across perils using a simple square root rule (as reflected in Exhibit 12a)"]
["9)","Refer to the complete Prior Approval Rate Filing Instructions for additional information.",null,"6)","Refer to the complete Prior Approval Rate Filing Instructions for additional information."]
[]
[null,null,null,null,"07/14/2025 Edition"]

{"sheet":"References","index":2,"n_rows":44,"n_cols":24,"rows_kept":44,"cut":false,"hidden":true,"merged":[]}
["For Department Use Only"]
[null,"Y/N Indicator",null,"Line Type",null,"General Line (Page 1)",null,null,"Detailed Line Description/AS Line Number (Page 1)",null,null,"Data Aggregation Method (Page 1)",null,"Exhibits to Print (Page 1)",null,"Detailed Line Description(s) Converter",null,null,"Peril (Page 1)",null,"CAT Methodology",null,null,"AAL Options"]
[null,"Y/N/na Indicator",null,null,null,null,null,null,null,null,null,null,null,null,null,"(Index to text)"]
[null,"(Not Used)"]
["Combo Box controls listed to the right on this row, if applicable=>",null,null,3,null,1,{"$f":"INDEX($F$30:$F$39,F5)","v":0},null,null,null,null,{"$f":"MATCH('1.General'!C20,List_AggMethod,0)","v":{"$error":"#N/A"}},null,4,null,null,null,null,2]
[null,"Yes",null,"Commercial",null,null,null,null,null,null,null,"Accident Year Data",null,"Exhibit 5",null,1,1,null,null,null,null,null,null,"Average Annual Loss with Demand Surge"]
[null,"No",null,"Personal",null,"Aircraft",null,null,"Aircraft",22,null,"Report Year Data (Claims-Made policies only)",null,"Exhibit 7",null,2,1,null,"Severe Convective Storm",null,"Auto Liability and Physical Damage","CAT to non-CAT",null,"Average Annual Loss without Demand Surge"]
[null,"n/a",null,null,null,"Allied Lines",null,null,"Allied Lines",2.1,null,"Policy Year Data (Multi-Year policies only)",null,"Exhibit 8",null,3,1,null,"Winterstorm",null,"Earthquake","CAT to AIY"]
[null,null,null,null,null,"Allied Lines & Other Liability",null,null,"Boiler & Machinery",27,null,null,null,"All Exhibits",null,4,1,null,"Wind",null,"Flood","CAT to AIY"]
[null,null,null,null,null,"Auto Liability and Physical Damage",null,null,"Burglary & Theft",26,null,null,null,null,null,5,1,null,"Water",null,"Homeowners","CAT to AIY"]
[null,null,null,null,null,"Boiler & Machinery",null,null,"Commercial Auto Liability",19.399999999999999,null,null,null,null,null,6,1,null,"All Other Perils",null,"Multiple Peril","CAT to AIY"]
[null,null,null,null,null,"Burglary & Theft",null,null,"Commercial Auto Physical Damage",21.2,null,null,null,null,null,7,1]
[null,null,null,null,null,"Earthquake",null,null,"Commercial Multiple Peril (Combined)",5,null,null,null,null,null,8,1]
[null,null,null,null,null,"Farmowners",null,null,"Commercial Multiple Peril (Liability)",5.2,null,null,null,null,null,9,1]
[null,null,null,null,null,"Fidelity",null,null,"Commercial Multiple Peril (Non-Liability)",5.0999999999999996,null,null,null,null,null,10,1]
[null,null,null,null,null,"Fire",null,null,"Earthquake",12]
[null,null,null,null,null,"Fire & Allied Lines",null,null,"Earthquake w/consideration for the cost of reinsurance","12.0R"]
[null,null,null,null,null,"Fire, Allied Lines & Other Liability",null,null,"Farmowners Multiple Peril",3]
[null,null,null,null,null,"Fire & Other Liability",null,null,"Fidelity",23]
[null,null,null,null,null,"Flood",null,null,"Fire",1]
[null,null,null,null,null,"Homeowners",null,null,"Homeowners Multiple Peril",4]
[null,null,null,null,null,"Inland Marine",null,null,"Inland Marine",9]
[null,null,null,null,null,"Medical Malpractice",null,null,"Medical Malpractice",11]
[null,null,null,null,null,"Multiple Peril",null,null,"Medical Malpractice (Claims-Made)",11.2]
[null,null,null,null,null,"Other Liability",null,null,"Medical Malpractice (Occurrence)",11.1]
[null,null,null,null,null,"Products Liability",null,null,"Medical Malpractice - incl. reinsurance costs","11.0R"]
[null,null,null,null,null,"Products Liability & Other Liability",null,null,"Medical Malpractice (Claims-Made) - incl. reinsurance costs","11.2R"]
[null,null,null,null,null,"Surety",null,null,"Medical Malpractice (Occurrence) - incl. reinsurance costs","11.1R"]
[null,null,null,null,null,"General Line Options for Selected Line Type",null,null,"Other Liability",17]
[null,null,null,null,null,null,null,null,"Other Liability (Claims-Made)",17.2]
[null,null,null,null,null,"Allied Lines",null,null,"Other Liability (Occurrence)",17.100000000000001,null,null,null,null,null,null,null,null,"Peril 1"]
[null,null,null,null,null,"Fire",null,null,"Private Passenger Auto Liability",19.2,null,null,null,null,null,null,null,null,2]
[null,null,null,null,null,"Fire & Allied Lines",null,null,"Private Passenger Auto Physical Damage",21.1,null,null,null,null,null,null,null,null,{"$f":"INDEX(List_Perils,S32)","v":"Severe Convective Storm"}]
[null,null,null,null,null,"Homeowners",null,null,"Products Liability",18]
[null,null,null,null,null,"Multiple Peril",null,null,"Products Liability (Claims-Made)",18.2,null,null,null,null,null,null,null,null,"Historical CAT to AIY ratio"]
[null,null,null,null,null,null,null,null,"Products Liability (Occurrence)",18.100000000000001,null,null,null,null,null,null,null,null,{"$f":"IF(S32=2,\"Modeled\",\"\")","v":"Modeled"}]
[null,null,null,null,null,null,null,null,"Surety",24]
[null,null,null,null,null,null,null,null,"Detailed Line Description for Selected General Line"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Peril 2"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX(List_Perils,S40)","v":"Winterstorm"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Historical CAT to AIY ratio"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S40=2,\"Modeled\",\"\")","v":""}]

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["State of California",null,null,null,null,"Company:",{"$f":"Co_Name","v":""},null,"Error Messages, if Any, Associated with General to the Left"]
["Department of Insurance (CDI)",null,null,null,null,"Line:",{"$f":"General_Line","v":0},null,"(DEPARTMENT USE ONLY)"]
[]
[]
["STANDARD EXHIBIT 9 TEMPLATE"]
["GENERAL INFORMATION"]
[]
["Completed by:",null,"Date:"]
[]
["Proposed Effective Date:"]
[]
["Company Name:"]
[]
["Line Type:",null,null,null,null,null,null,null,{"$f":"IF(INDEX(List_LineType,Index_Line_Type,1)=\"\",\"← ERROR! Select a Line from the pull-down menu.\",\"\")","v":"← ERROR! Select a Line from the pull-down menu."}]
[]
["General Line:",null,null,null,null,null,null,null,{"$f":"IF(INDEX(List_GeneralLine,Index_General_Line,1)=\"\",\"← ERROR! Select a General Line from the pull-down menu.\",\"\")","v":"← ERROR! Select a General Line from the pull-down menu."}]
[]
["Coverage/Form/Program:",null,null,null,null,null,null,null,{"$f":"IF(C18=\"\",\"← ERROR! Enter the Coverage/Form/Program.\",\"\")","v":"← ERROR! Enter the Coverage/Form/Program."}]
[]
["Data Aggregation Method for Loss & DCCE Development"]
[]
["Most Recent Fiscal Period in Historical Catastrophe Data (Enter in YYYYQ format.)",null,null,null,null,null,null,null,{"$f":"IF(FYQtr_CATnonmdl=\"\",\"← ERROR! Enter the most recent fiscal period in YYYYQ format.\",IF(OR(RIGHT(FYQtr_CATnonmdl,1)*1>4,RIGHT(FYQtr_CATnonmdl,1)*1<1,LEFT(FYQtr_CATnonmdl,4)*1<YEAR(TODAY())-10,LEFT(FYQtr_CATnonmdl,4)*1>YEAR(TODAY())+1,LEN(FYQtr_CATnonmdl)<>5),\"← ERROR! Enter the most recent fiscal period in YYYYQ format.\",IF(FYQtr_CATnonmdl<>FYQtr_CATmdl,\"← ERROR! Most Recent Fiscal Period for Historical and Modeled Catastrophe Data must be identical.\",\"\")))","v":"← ERROR! Enter the most recent fiscal period in YYYYQ format."}]
["Most Recent Fiscal Period in Modeled Catastrophe Data (Enter in YYYYQ format.)",null,null,null,null,null,null,null,{"$f":"IF(FYQtr_CATmdl=\"\",\"← ERROR! Enter the most recent fiscal period in YYYYQ format.\",IF(OR(RIGHT(FYQtr_CATmdl,1)*1>4,RIGHT(FYQtr_CATmdl,1)*1<1,LEFT(FYQtr_CATmdl,4)*1<YEAR(TODAY())-10,LEFT(FYQtr_CATmdl,4)*1>YEAR(TODAY())+1,LEN(FYQtr_CATmdl)<>5),\"← ERROR! Enter the most recent fiscal period in YYYYQ format.\",\"\"))","v":"← ERROR! Enter the most recent fiscal period in YYYYQ format."}]
["Most Recent Fiscal Period in AIY Data (Enter in YYYYQ format.)",null,null,null,null,null,null,null,{"$f":"IF(FYQtr_AIY=\"\",\"← ERROR! Enter the most recent fiscal period in YYYYQ format.\",IF(OR(RIGHT(FYQtr_AIY,1)*1>4,RIGHT(FYQtr_AIY,1)*1<1,LEFT(FYQtr_AIY,4)*1<YEAR(TODAY())-10,LEFT(FYQtr_AIY,4)*1>YEAR(TODAY())+1,LEN(FYQtr_AIY)<>5),\"← ERROR! Enter the most recent fiscal period in YYYYQ format.\",IF(FYQtr_AIY<>FYQtr_CATnonmdl,\"Most Recent Fiscal Period in AIY Data must match the Most Recent Fiscal Period in Historical CAT Data\",\"\")))","v":"← ERROR! Enter the most recent fiscal period in YYYYQ format."}]
["(Most Recent Fiscal Period in AIY Data must be the same as the most Recent Fiscal Period in Loss and Premium Trend Data in the Standard Exhibits.)"]
[]
["Are you using modeled losses for the following perils?"]
["Wildfire",null,null,null,null,null,null,null,{"$f":"IF(C28=\"\",\"← ERROR! Select Yes or No.\",\"\")","v":"← ERROR! Select Yes or No."}]
["Fire Following Earthquake (FFEQ)",null,null,null,null,null,null,null,{"$f":"IF(C29=\"\",\"← ERROR! Select Yes or No.\",\"\")","v":"← ERROR! Select Yes or No."}]
["Terrorism",null,null,null,null,null,null,null,{"$f":"IF(C30=\"\",\"← ERROR! Select Yes or No.\",\"\")","v":"← ERROR! Select Yes or No."}]
[]
["Definition of \"catastrophe\" used by insurer to classify claims:",null,null,null,null,"Date Range in use:"]
[]
[null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(A34),\"← ERROR! Provide the catastrophe definition used to classify claims.\",IF(ISBLANK(F34),\"← ERROR! Enter Date Range in use.\",\"\"))","v":"← ERROR! Provide the catastrophe definition used to classify claims."}]
[]
["Definition of \"wildfire\" used by insurer to classify claims:",null,null,null,null,"Date Range in use:"]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(ind_model_wf=\"Yes\",ISBLANK(A37)),\"← ERROR! Provide the catastrophe definition used to classify claims.\",IF(AND(ind_model_wf=\"Yes\",ISBLANK(F37)),\"← ERROR! Enter Date Range in use.\",\"\"))","v":""}]
[]
["If modeled losses are used for wildfire peril, please explain how wildfire losses that are not classified as catastrophe are treated in the insurer's data."]
["Include a discussion of how those losses are not double counted in the development of the maximum permitted earned premium:"]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(ind_model_wf=\"Yes\",ISBLANK(A41)),\"← ERROR! Provide an explanation.\",\"\")","v":""}]
[]
["Is the Company complying with the insurer commitments for the NCOR?",null,null,null,null,null,null,null,{"$f":"IF(C43=\"\",\"← ERROR! Select Yes or No.\",\"\")","v":"← ERROR! Select Yes or No."}]
["If No, this template should not be used per CCR §2644.25.1(c)."]
["Is the Company requesting a variance from the Standard NCOR?",null,null,null,null,null,null,null,{"$f":"IF(C45=\"\",\"← ERROR! Select Yes or No.\",\"\")","v":"← ERROR! Select Yes or No."}]
["If Yes, the Company should calculate and provide a proposed NCOR provision based on its executed reinsurance agreements per CCR §2644.27(f)(11)."]
[]
["Are the catastrophe model(s) used to calculate NCOR the same as those used in "]
["   the catastrophe adjustment factor?",null,null,null,null,null,null,null,{"$f":"IF(C49=\"\",\"← ERROR! Select Yes or No.\",\"\")","v":"← ERROR! Select Yes or No."}]
["If No, provide explanation in Filing Memorandum. Discuss how consistency is achieved pursuant to CCR §2644.25.2(k)."]
[]
["Is the Company affiliated with an insurer group, as determined by the NAIC?",null,null,null,null,null,null,null,{"$f":"IF(C52=\"\",\"← ERROR! Select Yes or No.\",\"\")","v":"← ERROR! Select Yes or No."}]
["If Yes, enter values below based on NAIC Group Code. If No, enter values below based on NAIC Company Code."]
["NAIC Code"]
["Most Recent Calendar Year in NAIC Data (Enter in YYYY format.)",null,2024]
["Direct Written Premium for Property Lines in 50 U.S. States (Enter in dollar format.)",null,{"$f":"VLOOKUP($C$54*1,'Annual Statement'!$A$11:$E$200,4,FALSE)","v":{"$error":"#N/A"}}]
["Direct Written Premium for Property Lines in California (Enter in dollar format.)",null,{"$f":"VLOOKUP($C$54*1,'Annual Statement'!$A$11:$E$200,3,FALSE)","v":{"$error":"#N/A"}}]
["For premium values above, include the following Property Lines: ASL 1 (Fire), 2 (Allied), 3 (Homeowners), 4 (Farmowners), and 5.1 (CMP Non-Liability)."]
[]
["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."]

{"sheet":"2.Ex9a_TotCatAdj","index":4,"n_rows":25,"n_cols":7,"rows_kept":25,"cut":false,"hidden":false,"merged":[]}
[{"$f":"Co_Name","v":""},null,null,null,null,null,"Error Messages, if Any, Associated with General to the Left"]
[{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "},null,null,null,null,null,"(DEPARTMENT USE ONLY)"]
[]
["Catastrophe Exhibit Summary"]
[{"$f":"\"\"&'1.General'!$C$18","v":""}]
[]
[]
[null,{"$f":"\"Catastrophe Loss & DCCE per Exposure based on Historical Data\"&(IF(OR(ind_model_wf=\"Yes\",ind_model_ffeq=\"Yes\",ind_model_terr=\"Yes\"),\" excl Modeled Perils\",\"\"))","v":"Catastrophe Loss & DCCE per Exposure based on Historical Data"}]
[null,"   Earned Exposure Units",null,{"$f":"+'10.Ex9d_Proj_AIY'!H37","v":""}]
[null,"   Projected AIY",null,{"$f":"'10.Ex9d_Proj_AIY'!E51","v":{"$error":"#VALUE!"}}]
[null,"   Catastrophe Loss & DCCE to AIY",null,{"$f":"'4.Ex9b_HistCatAdj'!$E$52","v":0}]
[null,{"$f":"\"Projected Catastrophe Loss & DCCE per Exposure for Historical Data \"&(IF(OR(ind_model_wf=\"Yes\",ind_model_ffeq=\"Yes\",ind_model_terr=\"Yes\"),\" excl Modeled Perils\",\"\"))","v":"Projected Catastrophe Loss & DCCE per Exposure for Historical Data "},null,{"$f":"D10*D11/D9","v":{"$error":"#VALUE!"}}]
[]
[null,"Catastrophe Loss & DCCE per Exposure for Modeled Perils"]
[null,"   Wildfire",null,{"$f":"'6.Ex9c_Mod_WF'!$C$46*('1.General'!C28=\"Yes\")","v":0}]
[null,"   Fire Following Earthquake (FFEQ)",null,{"$f":"'7.Ex9c_Mod_FFEQ'!$C$46*('1.General'!C29=\"Yes\")","v":0}]
[null,"   Terrorism",null,{"$f":"'8.Ex9c_Mod_Terrorism'!$C$46*('1.General'!C30=\"Yes\")","v":0}]
[null,"Projected Catastrophe Loss & DCCE per Exposure for Modeled Perils",null,{"$f":"D15+D16+D17","v":0}]
[]
[null,"Projected Catastrophe Loss & DCCE per Exposure",null,{"$f":"+D12+D18","v":{"$error":"#VALUE!"}}]
[]
[null,"Projected Ultimate Trended Non-Catastrophe Loss & DCCE per Exposure",null,{"$f":"'11.Ex9e_Proj_Ult_NonCAT'!H18","v":{"$error":"#DIV/0!"}}]
[]
[null,"Catastrophe Adjustment Factor",null,{"$f":"1+D20/D22","v":{"$error":"#VALUE!"}}]
[null,"Enter this factor on Line 13 of the Rate Template for each year in the recorded period."]

{"sheet":"3.Ex9b_HistCatEvnts","index":5,"n_rows":8,"n_cols":11,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
["State of California",null,null,null,null,"                                                  Company:",null,null,null,{"$f":"Co_Name","v":""},"Error Messages, if Any, Associated with General to the Left"]
["Department of Insurance (CDI)",null,null,null,null,"                                                  Line:",null,null,null,{"$f":"General_Line","v":0},"(DEPARTMENT USE ONLY)"]
[]
[]
[]
["List of major events contributing to catastrophe losses:"]
[]
[null,"Name of Event:",null,"Peril(s) Impacted:",null,"Date(s):",null,"Was there a Subrogration Recovery?",null,"Was there a sale of Subrogation Rights?"]

{"sheet":"4.Ex9b_HistCatAdj","index":6,"n_rows":52,"n_cols":15,"rows_kept":52,"cut":false,"hidden":false,"merged":[]}
[{"$f":"Co_Name","v":""},null,null,null,null,null,null,null,{"$f":"Co_Name","v":""}]
[{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "},null,null,null,null,null,null,null,{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "}]
[]
["Catastrophe Loss and DCCE to AIY",null,null,null,null,null,null,null,"Catastrophe Loss and DCCE to AIY"]
[{"$f":"'1.General'!$C$18&\" - \"&\"All Perils\"&(IF(OR(ind_model_wf=\"Yes\",ind_model_ffeq=\"Yes\",ind_model_terr=\"Yes\"),\" excl \"&_xlfn.TEXTJOIN(\",\",TRUE,IF('1.General'!$C$28:$C$30=\"Yes\",'1.General'!$A$28:$A$30,\"\")),\"\"))","v":" - All Perils"},null,null,null,null,null,null,null,{"$f":"'1.General'!$C$18&\" - \"&\"All Perils\"","v":" - All Perils"}]
[]
[]
[]
[{"$f":"\"Fiscal \"&AggMethod&\" Ending\"","v":{"$error":"#N/A"}},null,"Non-Catastrophe Ultimate Loss & DCCE","Catastrophe Ultimate Loss & DCCE","Catastrophe Loss & DCCE to AIY","Alternate Weighting","AIY",null,{"$f":"\"Fiscal \"&AggMethod&\" Ending\"","v":{"$error":"#N/A"}},null,"Non-Catastrophe Ultimate Loss & DCCE","Catastrophe Ultimate Loss & DCCE","Catastrophe Loss & DCCE to AIY","Alternate Weighting","AIY"]
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[]
["Totals",null,{"$f":"SUM(C10:C44)","v":0},{"$f":"SUM(D10:D44)","v":0},null,{"$f":"SUM(F10:F44)","v":0},{"$f":"SUM(G10:G44)","v":0},null,"Totals",null,{"$f":"SUM(K10:K44)","v":0},{"$f":"SUM(L10:L44)","v":0},null,{"$f":"SUM(N10:N44)","v":0},{"$f":"SUM(O10:O44)","v":0}]
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["Straight Average",null,null,null,{"$f":"AVERAGE(E10:E44)","v":{"$error":"#DIV/0!"}},null,null,null,"Straight Average",null,null,null,{"$f":"AVERAGE(M10:M44)","v":{"$error":"#DIV/0!"}}]
["Exposure-Weighted Average",null,null,null,{"$f":"IF(G46=0,0,D46/G46)","v":0},{"$f":"IF(AND('5.Ex9b_HistData'!AF46=\"ERROR\",D46=\"ERROR\"),\"Total Non-Wildfire Perils on this tab should match the total perils in 9b.Hist_NonWildfire_Details\",\"\")","v":""},null,null,"Exposure-Weighted Average",null,null,null,{"$f":"IF(O46=0,0,L46/O46)","v":0},{"$f":"IF(AND('5.Ex9b_HistData'!AN46=\"ERROR\",L46=\"ERROR\"),\"Total Non-Wildfire Perils on this tab should match the total perils in 9b.Hist_NonWildfire_Details\",\"\")","v":""}]
["Alternate-Weighted Average",null,null,null,{"$f":"SUMPRODUCT(E10:E44,$F10:$F44)","v":0},null,null,null,"Alternate-Weighted Average",null,null,null,{"$f":"SUMPRODUCT(M10:M44,$N10:$N44)","v":0}]
[]
["Selected (Justify in Filing Memorandum)"]

{"sheet":"5.Ex9b_HistData","index":7,"n_rows":46,"n_cols":32,"rows_kept":46,"cut":false,"hidden":false,"merged":[]}
[{"$f":"Co_Name","v":""},null,null,null,null,null,null,null,null,null,null,{"$f":"Co_Name","v":""},null,null,null,null,null,null,null,null,null,null,{"$f":"Co_Name","v":""}]
[{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "},null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "},null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "}]
[]
["Historical Non-Catastrophe Loss and DCCE Data",null,null,null,null,null,null,null,null,null,null,"Historical Catastrophe Loss and DCCE Data",null,null,null,null,null,null,null,null,null,null,"Historical Catastrophe Loss and DCCE Data"]
[{"$f":"'1.General'!$C$18","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(ind_model_wf=\"Yes\",ind_model_ffeq=\"Yes\",ind_model_terr=\"Yes\"),'1.General'!$C$18 &\" - \"&\"Perils\"&\": \"&_xlfn.TEXTJOIN(\",\",TRUE,IF('1.General'!$C$28:$C$30=\"Yes\",'1.General'!$A$28:$A$30,\"\")),\"No need to complete this section\")","v":"No need to complete this section"},null,null,null,null,null,null,null,null,null,null,{"$f":"'1.General'!$C$18&\" - \"&\"All Perils\"&(IF(OR(ind_model_wf=\"Yes\",ind_model_ffeq=\"Yes\",ind_model_terr=\"Yes\"),\" excl \"&_xlfn.TEXTJOIN(\",\",TRUE,IF('1.General'!$C$28:$C$30=\"Yes\",'1.General'!$A$28:$A$30,\"\")),\"\"))","v":" - All Perils"}]
[null,null,null,null,null,null,null,null,null,null," "]
[]
[null,"Loss Net of Subrogration/Salvage",null,null,"DCCE",null,null," ",null," ",null,null,"Loss Net of Subrogration/Salvage",null,null,"DCCE",null,null,null,null," ",null,null,"Loss Net of Subrogration/Salvage",null,null,"DCCE",null,null,null,null," "]
[{"$f":"\"Fiscal \"&AggMethod&\" Ending\"","v":{"$error":"#N/A"}},"Paid Loss","Case-Incurred Loss\n(Paid Loss + \nCase Loss Reserves)","IBNR Loss","Paid DCCE","Case-Incurred DCCE\n(Paid DCCE + \nCase DCCE Reserves)","IBNR DCCE","Salvage & Subrogation Received","Salvage & Subrogation Anticipated","Total Non-Catastrophe Net Loss & DCCE",null,{"$f":"\"Fiscal \"&AggMethod&\" Ending\"","v":{"$error":"#N/A"}},"Paid Loss","Case-Incurred Loss\n(Paid Loss + \nCase Loss Reserves)","IBNR Loss","Paid DCCE","Case-Incurred DCCE\n(Paid DCCE + \nCase DCCE Reserves)","IBNR DCCE","Salvage & Subrogation Received","Salvage & Subrogation Anticipated",{"$f":"\"Total \"&_xlfn.TEXTJOIN(\",\",TRUE,IF('1.General'!$C$28:$C$30=\"Yes\",'1.General'!$A$28:$A$30,\"\"))&\" Catastrophe Net Loss & DCCE\"","v":"Total  Catastrophe Net Loss & DCCE"},null,{"$f":"\"Fiscal \"&AggMethod&\" Ending\"","v":{"$error":"#N/A"}},"Paid Loss","Case-Incurred Loss\n(Paid Loss + \nCase Loss Reserves)","IBNR Loss","Paid DCCE","Case-Incurred DCCE\n(Paid DCCE + \nCase DCCE Reserves)","IBNR DCCE","Salvage & Subrogation Received","Salvage & Subrogation Anticipated",{"$f":"\"Total Catastrophe Net Loss & DCCE\"&(IF(OR(ind_model_wf=\"Yes\",ind_model_ffeq=\"Yes\",ind_model_terr=\"Yes\"),\" excl \"&_xlfn.TEXTJOIN(\",\",TRUE,IF('1.General'!$C$28:$C$30=\"Yes\",'1.General'!$A$28:$A$30,\"\")),\"\"))","v":"Total Catastrophe Net Loss & DCCE"}]
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[-330,null,null,null,null,null,null,null,null,{"$f":"SUM(C11:D11,F11:G11)","v":0},null,-330,null,null,null,null,null,null,null,null,{"$f":"SUM(N11:O11,Q11:R11)","v":0},null,-330,null,null,null,null,null,null,null,null,{"$f":"SUM(Y11:Z11,AB11:AC11)","v":0}]
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[-310,null,null,null,null,null,null,null,null,0,null,-310,null,null,null,null,null,null,null,null,0,null,-310,null,null,null,null,null,null,null,null,0]
[-300,null,null,null,null,null,null,null,null,0,null,-300,null,null,null,null,null,null,null,null,0,null,-300,null,null,null,null,null,null,null,null,0]
[-290,null,null,null,null,null,null,null,null,0,null,-290,null,null,null,null,null,null,null,null,0,null,-290,null,null,null,null,null,null,null,null,0]
[-280,null,null,null,null,null,null,null,null,0,null,-280,null,null,null,null,null,null,null,null,0,null,-280,null,null,null,null,null,null,null,null,0]
[-270,null,null,null,null,null,null,null,null,0,null,-270,null,null,null,null,null,null,null,null,0,null,-270,null,null,null,null,null,null,null,null,0]
[-260,null,null,null,null,null,null,null,null,0,null,-260,null,null,null,null,null,null,null,null,0,null,-260,null,null,null,null,null,null,null,null,0]
[-250,null,null,null,null,null,null,null,null,0,null,-250,null,null,null,null,null,null,null,null,0,null,-250,null,null,null,null,null,null,null,null,0]
[-240,null,null,null,null,null,null,null,null,0,null,-240,null,null,null,null,null,null,null,null,0,null,-240,null,null,null,null,null,null,null,null,0]
[-230,null,null,null,null,null,null,null,null,0,null,-230,null,null,null,null,null,null,null,null,0,null,-230,null,null,null,null,null,null,null,null,0]
[-220,null,null,null,null,null,null,null,null,0,null,-220,null,null,null,null,null,null,null,null,0,null,-220,null,null,null,null,null,null,null,null,0]
[-210,null,null,null,null,null,null,null,null,0,null,-210,null,null,null,null,null,null,null,null,0,null,-210,null,null,null,null,null,null,null,null,0]
[-200,null,null,null,null,null,null,null,null,0,null,-200,null,null,null,null,null,null,null,null,0,null,-200,null,null,null,null,null,null,null,null,0]
[-190,null,null,null,null,null,null,null,null,0,null,-190,null,null,null,null,null,null,null,null,0,null,-190,null,null,null,null,null,null,null,null,0]
[-180,null,null,null,null,null,null,null,null,0,null,-180,null,null,null,null,null,null,null,null,0,null,-180,null,null,null,null,null,null,null,null,0]
[-170,null,null,null,null,null,null,null,null,0,null,-170,null,null,null,null,null,null,null,null,0,null,-170,null,null,null,null,null,null,null,null,0]
[-160,null,null,null,null,null,null,null,null,0,null,-160,null,null,null,null,null,null,null,null,0,null,-160,null,null,null,null,null,null,null,null,0]
[-150,null,null,null,null,null,null,null,null,0,null,-150,null,null,null,null,null,null,null,null,0,null,-150,null,null,null,null,null,null,null,null,0]
[-140,null,null,null,null,null,null,null,null,0,null,-140,null,null,null,null,null,null,null,null,0,null,-140,null,null,null,null,null,null,null,null,0]
[-130,null,null,null,null,null,null,null,null,0,null,-130,null,null,null,null,null,null,null,null,0,null,-130,null,null,null,null,null,null,null,null,0]
[-120,null,null,null,null,null,null,null,null,0,null,-120,null,null,null,null,null,null,null,null,0,null,-120,null,null,null,null,null,null,null,null,0]
[-110,null,null,null,null,null,null,null,null,0,null,-110,null,null,null,null,null,null,null,null,0,null,-110,null,null,null,null,null,null,null,null,0]
[-100,null,null,null,null,null,null,null,null,0,null,-100,null,null,null,null,null,null,null,null,0,null,-100,null,null,null,null,null,null,null,null,0]
[-90,null,null,null,null,null,null,null,null,0,null,-90,null,null,null,null,null,null,null,null,0,null,-90,null,null,null,null,null,null,null,null,0]
[-80,null,null,null,null,null,null,null,null,0,null,-80,null,null,null,null,null,null,null,null,0,null,-80,null,null,null,null,null,null,null,null,0]
[-70,null,null,null,null,null,null,null,null,0,null,-70,null,null,null,null,null,null,null,null,0,null,-70,null,null,null,null,null,null,null,null,0]
[-60,null,null,null,null,null,null,null,null,0,null,-60,null,null,null,null,null,null,null,null,0,null,-60,null,null,null,null,null,null,null,null,0]
[-50,null,null,null,null,null,null,null,null,0,null,-50,null,null,null,null,null,null,null,null,0,null,-50,null,null,null,null,null,null,null,null,0]
[-40,null,null,null,null,null,null,null,null,0,null,-40,null,null,null,null,null,null,null,null,0,null,-40,null,null,null,null,null,null,null,null,0]
[-30,null,null,null,null,null,null,null,null,0,null,-30,null,null,null,null,null,null,null,null,0,null,-30,null,null,null,null,null,null,null,null,0]
[-20,null,null,null,null,null,null,null,null,0,null,-20,null,null,null,null,null,null,null,null,0,null,-20,null,null,null,null,null,null,null,null,0]
[-10,null,null,null,null,null,null,null,null,0,null,-10,null,null,null,null,null,null,null,null,0,null,-10,null,null,null,null,null,null,null,null,0]
[{"$f":"FYQtr_CATnonmdl","v":0},null,null,null,null,null,null,null,null,0,null,{"$f":"FYQtr_CATnonmdl","v":0},null,null,null,null,null,null,null,null,0,null,{"$f":"FYQtr_CATnonmdl","v":0},null,null,null,null,null,null,null,null,0]
[]
[null,{"$f":"SUM(B10:B44)","v":0},0,0,0,0,0,{"$f":"SUM(H10:H44)","v":0},0,0,null,null,{"$f":"SUM(M10:M44)","v":0},{"$f":"SUM(N10:N44)","v":0},{"$f":"SUM(O10:O44)","v":0},0,0,0,0,0,0,null,null,{"$f":"SUM(X10:X44)","v":0},0,0,0,0,0,0,0,0]

{"sheet":"6.Ex9c_Mod_WF","index":8,"n_rows":46,"n_cols":9,"rows_kept":46,"cut":false,"hidden":true,"merged":[[21,2,21,6]]}
[{"$f":"Co_Name","v":""},null,null,null,null,null,null,null,"Error Messages, if Any, Associated with General to the Left"]
[{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "},null,null,null,null,null,null,null,"(DEPARTMENT USE ONLY)"]
[]
["Projected Average Annual Loss and DCCE for Modeled Catastrophes"]
[{"$f":"'1.General'!$C$18","v":0}]
[]
["Wildfire Peril"]
["Model Information",null,"Model #1",null,"Model #2",null,"Model #3"]
[]
["Model Name:"]
["Version:"]
[]
[{"$f":"\"Run on In-Force as of \"&FYQtr_CATmdl&\"?\"","v":"Run on In-Force as of ?"},null,null,null,null,null,null,null,{"$f":"IF(AND($C$13=\"N\",$C$14=\"N\"),\"← ERROR! Submit a Variance filing.\",\"\")","v":""}]
["Variance 10 Applies?"]
[]
["Average Annual Loss with Demand Surge"]
["Average Annual Loss without Demand Surge"]
["Selected Model Weights (Justify in Filing Memorandum)",null,null,null,null,null,null,null,{"$f":"IF((ind_model_wf=\"Yes\")+(ind_model_ffeq=\"Yes\")+(ind_model_terr=\"Yes\")>0,IF(SUM('6.Ex9c_Mod_WF'!C18,'6.Ex9c_Mod_WF'!E18,'6.Ex9c_Mod_WF'!G18)<>1,\"← Error! The sum of model weights should be equal 100%.\",\"\"),\"\")","v":""}]
[]
["Selected Average Annual Loss",null,{"$f":"(C16*C18+E16*E18+G16*G18)","v":0}]
[]
["Was Subrogration considered in the development of the AAL estimate?  \nIf so, please describe how it was incorporated.",null,null,null,null,null,null,null,{"$f":"IF(C22=\"\",\"← Error! Cannot be blank.\",\"\")","v":"← Error! Cannot be blank."}]
[]
["Total AIY Associated with In-Force Exposures in Model Input ($000)"]
[]
["Number of In-Force Exposures in Model Input",null,null,null,null,null,null,null,{"$f":"IF('6.Ex9c_Mod_WF'!C14=\"N\",IF(ABS(C26/C28-1)>0.05,\"← WARNING! Number of Exposures used in Model Input and Latest Year Earned Exposures in Exhibit 9a is more than 5% different\",\"\"),\"\")","v":""}]
[]
["Latest Year Earned Exposure",null,{"$f":"'10.Ex9d_Proj_AIY'!H37","v":""}]
[]
["Projected Modeled Loss per AIY",null,{"$f":"C20/C24","v":{"$error":"#DIV/0!"}}]
[]
["Catastrophe DCCE to Loss Ratio",null,{"$f":"'9.Ex9c_DCCE_to_Loss'!$E$52","v":0}]
[]
["Projected Modeled Loss & DCCE per AIY",null,{"$f":"C30*(1+C32)","v":{"$error":"#DIV/0!"}}]
[]
["Latest Year Earned AIY ($000)",null,{"$f":"+'10.Ex9d_Proj_AIY'!I37","v":""}]
[]
["AIY Annual Trend",null,{"$f":"AIYTrnd","v":{"$error":"#N/A"}}]
[]
["AIY Trend Factor",null,{"$f":"(1+C38)^'10.Ex9d_Proj_AIY'!F42","v":{"$error":"#N/A"}}]
[]
["Projected AIY ($000)",null,{"$f":"C36*C40","v":{"$error":"#VALUE!"}}]
[]
[{"$f":"\"Projected Average Annual Loss & DCCE for \"&A7","v":"Projected Average Annual Loss & DCCE for Wildfire Peril"},null,{"$f":"IFERROR(C34*C42,0)","v":0}]
[]
[{"$f":"\"Projected \"&A7&\" Loss & DCCE per Earned Exposure\"","v":"Projected Wildfire Peril Loss & DCCE per Earned Exposure"},null,{"$f":"IFERROR(C44/C28,0)","v":0}]

{"sheet":"7.Ex9c_Mod_FFEQ","index":9,"n_rows":46,"n_cols":9,"rows_kept":46,"cut":false,"hidden":true,"merged":[[21,2,21,6]]}
[{"$f":"Co_Name","v":""},null,null,null,null,null,null,null,"Error Messages, if Any, Associated with General to the Left"]
[{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "},null,null,null,null,null,null,null,"(DEPARTMENT USE ONLY)"]
[]
["Projected Average Annual Loss and DCCE for Modeled Catastrophes"]
[{"$f":"'1.General'!$C$18","v":0}]
[]
["Fire Following Earthquake (FFEQ) Peril"]
["Model Information",null,"Model #1",null,"Model #2",null,"Model #3"]
[]
["Model Name:"]
["Version:"]
[]
[{"$f":"\"Run on In-Force as of \"&FYQtr_CATmdl&\"?\"","v":"Run on In-Force as of ?"},null,null,null,null,null,null,null,{"$f":"IF(AND($C$13=\"N\",$C$14=\"N\"),\"← ERROR! Submit a Variance filing.\",\"\")","v":""}]
["Variance 10 Applies?"]
[]
["Average Annual Loss with Demand Surge"]
["Average Annual Loss without Demand Surge"]
["Selected Model Weights (Justify in Filing Memorandum)",null,null,null,null,null,null,null,{"$f":"IF((ind_model_wf=\"Yes\")+(ind_model_ffeq=\"Yes\")+(ind_model_terr=\"Yes\")>0,IF(SUM('7.Ex9c_Mod_FFEQ'!C18,'7.Ex9c_Mod_FFEQ'!E18,'7.Ex9c_Mod_FFEQ'!G18)<>1,\"← Error! The sum of model weights should be equal 100%\",\"\"),\"\")","v":""}]
[]
["Selected Average Annual Loss",null,{"$f":"(C16*C18+E16*E18+G16*G18)","v":0}]
[]
["Was Subrogration considered in the development of the AAL estimate?  \nIf so, please describe how it was incorporated.",null,null,null,null,null,null,null,{"$f":"IF(C22=\"\",\"← Error! Cannot be blank.\",\"\")","v":"← Error! Cannot be blank."}]
[]
["Total AIY Associated with In-Force Exposures in Model Input ($000)"]
[]
["Number of In-Force Exposures in Model Input",null,null,null,null,null,null,null,{"$f":"IF('7.Ex9c_Mod_FFEQ'!C14=\"N\",IF(ABS(C26/C28-1)>0.05,\"← WARNING! Number of Exposures used in Model Input and Latest Year Earned Exposures in Exhibit 9c is more than 5% different\",\"\"),\"\")","v":""}]
[]
["Latest Year Earned Exposure",null,{"$f":"'10.Ex9d_Proj_AIY'!H37","v":""}]
[]
["Projected Modeled Loss per AIY",null,{"$f":"C20/C24","v":{"$error":"#DIV/0!"}}]
[]
["Catastrophe DCCE to Loss Ratio",null,{"$f":"'9.Ex9c_DCCE_to_Loss'!$E$52","v":0}]
[]
["Projected Modeled Loss & DCCE per AIY",null,{"$f":"C30*(1+C32)","v":{"$error":"#DIV/0!"}}]
[]
["Latest Year Earned AIY ($000)",null,{"$f":"+'10.Ex9d_Proj_AIY'!I37","v":""}]
[]
["AIY Annual Trend",null,{"$f":"AIYTrnd","v":{"$error":"#N/A"}}]
[]
["AIY Trend Factor",null,{"$f":"(1+C38)^'10.Ex9d_Proj_AIY'!F42","v":{"$error":"#N/A"}}]
[]
["Projected AIY ($000)",null,{"$f":"C36*C40","v":{"$error":"#VALUE!"}}]
[]
[{"$f":"\"Projected Average Annual Loss & DCCE for \"&A7","v":"Projected Average Annual Loss & DCCE for Fire Following Earthquake (FFEQ) Peril"},null,{"$f":"IFERROR(C34*C42,0)","v":0}]
[]
[{"$f":"\"Projected \"&A7&\" Loss & DCCE per Earned Exposure\"","v":"Projected Fire Following Earthquake (FFEQ) Peril Loss & DCCE per Earned Exposure"},null,{"$f":"IFERROR(C44/C28,0)","v":0}]

{"sheet":"8.Ex9c_Mod_Terrorism","index":10,"n_rows":46,"n_cols":9,"rows_kept":46,"cut":false,"hidden":true,"merged":[[21,2,21,6]]}
[{"$f":"Co_Name","v":""},null,null,null,null,null,null,null,"Error Messages, if Any, Associated with General to the Left"]
[{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "},null,null,null,null,null,null,null,"(DEPARTMENT USE ONLY)"]
[]
["Projected Average Annual Loss and DCCE for Modeled Catastrophes"]
[{"$f":"'1.General'!$C$18","v":0}]
[]
["Terrorism Peril"]
["Model Information",null,"Model #1",null,"Model #2",null,"Model #3"]
[]
["Model Name:"]
["Version:"]
[]
[{"$f":"\"Run on In-Force as of \"&FYQtr_CATmdl&\"?\"","v":"Run on In-Force as of ?"},null,null,null,null,null,null,null,{"$f":"IF(AND($C$13=\"N\",$C$14=\"N\"),\"← ERROR! Submit a Variance filing.\",\"\")","v":""}]
["Variance 10 Applies?"]
[]
["Average Annual Loss with Demand Surge"]
["Average Annual Loss without Demand Surge"]
["Selected Model Weights (Justify in Filing Memorandum)",null,null,null,null,null,null,null,{"$f":"IF((ind_model_wf=\"Yes\")+(ind_model_ffeq=\"Yes\")+(ind_model_terr=\"Yes\")>0,IF(SUM('8.Ex9c_Mod_Terrorism'!C18,'8.Ex9c_Mod_Terrorism'!E18,'8.Ex9c_Mod_Terrorism'!G18)<>1,\"← Error! The sum of model weights should be equal 100%\",\"\"),\"\")","v":""}]
[]
["Selected Average Annual Loss",null,{"$f":"(C16*C18+E16*E18+G16*G18)","v":0}]
[]
["Was Subrogration considered in the development of the AAL estimate?  \nIf so, please describe how it was incorporated.",null,null,null,null,null,null,null,{"$f":"IF(C22=\"\",\"← Error! Cannot be blank.\",\"\")","v":"← Error! Cannot be blank."}]
[]
["Total AIY Associated with In-Force Exposures in Model Input ($000)"]
[]
["Number of In-Force Exposures in Model Input",null,null,null,null,null,null,null,{"$f":"IF('8.Ex9c_Mod_Terrorism'!C14=\"N\",IF(ABS(C26/C28-1)>0.05,\"← WARNING! Number of Exposures used in Model Input and Latest Year Earned Exposures in Exhibit 9c is more than 5% different\",\"\"),\"\")","v":""}]
[]
["Latest Year Earned Exposure",null,{"$f":"'10.Ex9d_Proj_AIY'!H37","v":""}]
[]
["Projected Modeled Loss per AIY",null,{"$f":"C20/C24","v":{"$error":"#DIV/0!"}}]
[]
["Catastrophe DCCE to Loss Ratio",null,{"$f":"'9.Ex9c_DCCE_to_Loss'!$E$52","v":0}]
[]
["Projected Modeled Loss & DCCE per AIY",null,{"$f":"C30*(1+C32)","v":{"$error":"#DIV/0!"}}]
[]
["Latest Year Earned AIY ($000)",null,{"$f":"+'10.Ex9d_Proj_AIY'!I37","v":""}]
[]
["AIY Annual Trend",null,{"$f":"AIYTrnd","v":{"$error":"#N/A"}}]
[]
["AIY Trend Factor",null,{"$f":"(1+C38)^'10.Ex9d_Proj_AIY'!F42","v":{"$error":"#N/A"}}]
[]
["Projected AIY ($000)",null,{"$f":"C36*C40","v":{"$error":"#VALUE!"}}]
[]
[{"$f":"\"Projected Average Annual Loss & DCCE for \"&A7","v":"Projected Average Annual Loss & DCCE for Terrorism Peril"},null,{"$f":"IFERROR(C34*C42,0)","v":0}]
[]
[{"$f":"\"Projected \"&A7&\" Loss & DCCE per Earned Exposure\"","v":"Projected Terrorism Peril Loss & DCCE per Earned Exposure"},null,{"$f":"IFERROR(C44/C28,0)","v":0}]

{"sheet":"9.Ex9c_DCCE_to_Loss","index":11,"n_rows":52,"n_cols":6,"rows_kept":52,"cut":false,"hidden":true,"merged":[]}
[{"$f":"Co_Name","v":""}]
[{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "}]
[]
["DCCE Ratio Applied to Modeled Catastrophes"]
[{"$f":"'1.General'!$C$18","v":0}]
[]
["Based on CAT or Non-CAT data?"]
[]
[]
[{"$f":"\"Fiscal \"&AggMethod&\" Ending\"","v":{"$error":"#N/A"}},null,{"$f":"E$7&\" Loss\"","v":" Loss"},{"$f":"E$7&\" DCCE\"","v":" DCCE"},{"$f":"\"Ratio of \"&E$7&\" DCCE to \"&E$7&\" Loss\"","v":"Ratio of  DCCE to  Loss"},"Alternate Weighting"]
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[-270,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N17:$O17)+SUM('5.Ex9b_HistData'!$Y17:$Z17),SUM('5.Ex9b_HistData'!$C17:$D17))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q17:$R17)+SUM('5.Ex9b_HistData'!$AB17:$AC17),SUM('5.Ex9b_HistData'!$F17:$G17))","v":0},""]
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[-150,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N29:$O29)+SUM('5.Ex9b_HistData'!$Y29:$Z29),SUM('5.Ex9b_HistData'!$C29:$D29))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q29:$R29)+SUM('5.Ex9b_HistData'!$AB29:$AC29),SUM('5.Ex9b_HistData'!$F29:$G29))","v":0},""]
[-140,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N30:$O30)+SUM('5.Ex9b_HistData'!$Y30:$Z30),SUM('5.Ex9b_HistData'!$C30:$D30))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q30:$R30)+SUM('5.Ex9b_HistData'!$AB30:$AC30),SUM('5.Ex9b_HistData'!$F30:$G30))","v":0},""]
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[-120,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N32:$O32)+SUM('5.Ex9b_HistData'!$Y32:$Z32),SUM('5.Ex9b_HistData'!$C32:$D32))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q32:$R32)+SUM('5.Ex9b_HistData'!$AB32:$AC32),SUM('5.Ex9b_HistData'!$F32:$G32))","v":0},""]
[-110,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N33:$O33)+SUM('5.Ex9b_HistData'!$Y33:$Z33),SUM('5.Ex9b_HistData'!$C33:$D33))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q33:$R33)+SUM('5.Ex9b_HistData'!$AB33:$AC33),SUM('5.Ex9b_HistData'!$F33:$G33))","v":0},""]
[-100,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N34:$O34)+SUM('5.Ex9b_HistData'!$Y34:$Z34),SUM('5.Ex9b_HistData'!$C34:$D34))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q34:$R34)+SUM('5.Ex9b_HistData'!$AB34:$AC34),SUM('5.Ex9b_HistData'!$F34:$G34))","v":0},""]
[-90,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N35:$O35)+SUM('5.Ex9b_HistData'!$Y35:$Z35),SUM('5.Ex9b_HistData'!$C35:$D35))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q35:$R35)+SUM('5.Ex9b_HistData'!$AB35:$AC35),SUM('5.Ex9b_HistData'!$F35:$G35))","v":0},""]
[-80,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N36:$O36)+SUM('5.Ex9b_HistData'!$Y36:$Z36),SUM('5.Ex9b_HistData'!$C36:$D36))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q36:$R36)+SUM('5.Ex9b_HistData'!$AB36:$AC36),SUM('5.Ex9b_HistData'!$F36:$G36))","v":0},""]
[-70,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N37:$O37)+SUM('5.Ex9b_HistData'!$Y37:$Z37),SUM('5.Ex9b_HistData'!$C37:$D37))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q37:$R37)+SUM('5.Ex9b_HistData'!$AB37:$AC37),SUM('5.Ex9b_HistData'!$F37:$G37))","v":0},""]
[-60,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N38:$O38)+SUM('5.Ex9b_HistData'!$Y38:$Z38),SUM('5.Ex9b_HistData'!$C38:$D38))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q38:$R38)+SUM('5.Ex9b_HistData'!$AB38:$AC38),SUM('5.Ex9b_HistData'!$F38:$G38))","v":0},""]
[-50,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N39:$O39)+SUM('5.Ex9b_HistData'!$Y39:$Z39),SUM('5.Ex9b_HistData'!$C39:$D39))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q39:$R39)+SUM('5.Ex9b_HistData'!$AB39:$AC39),SUM('5.Ex9b_HistData'!$F39:$G39))","v":0},""]
[-40,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N40:$O40)+SUM('5.Ex9b_HistData'!$Y40:$Z40),SUM('5.Ex9b_HistData'!$C40:$D40))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q40:$R40)+SUM('5.Ex9b_HistData'!$AB40:$AC40),SUM('5.Ex9b_HistData'!$F40:$G40))","v":0},""]
[-30,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N41:$O41)+SUM('5.Ex9b_HistData'!$Y41:$Z41),SUM('5.Ex9b_HistData'!$C41:$D41))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q41:$R41)+SUM('5.Ex9b_HistData'!$AB41:$AC41),SUM('5.Ex9b_HistData'!$F41:$G41))","v":0},""]
[-20,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N42:$O42)+SUM('5.Ex9b_HistData'!$Y42:$Z42),SUM('5.Ex9b_HistData'!$C42:$D42))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q42:$R42)+SUM('5.Ex9b_HistData'!$AB42:$AC42),SUM('5.Ex9b_HistData'!$F42:$G42))","v":0},""]
[-10,null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N43:$O43)+SUM('5.Ex9b_HistData'!$Y43:$Z43),SUM('5.Ex9b_HistData'!$C43:$D43))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q43:$R43)+SUM('5.Ex9b_HistData'!$AB43:$AC43),SUM('5.Ex9b_HistData'!$F43:$G43))","v":0},""]
[{"$f":"FYQtr_CATmdl","v":0},null,{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$N44:$O44)+SUM('5.Ex9b_HistData'!$Y44:$Z44),SUM('5.Ex9b_HistData'!$C44:$D44))","v":0},{"$f":"IF($E$7=\"CAT\",SUM('5.Ex9b_HistData'!$Q44:$R44)+SUM('5.Ex9b_HistData'!$AB44:$AC44),SUM('5.Ex9b_HistData'!$F44:$G44))","v":0},""]
[]
["Totals",null,{"$f":"SUM(C11:C45)","v":0},{"$f":"SUM(D11:D45)","v":0},null,{"$f":"SUM(F11:F45)","v":0}]
[null,null,null,null,{"$f":"IF(SUM(F11:F45)=0,\"\",IF(F47<>100%,\"Error! Weighs must sum to 100%\",\"\"))","v":""}]
["Straight Average",null,null,null,{"$f":"AVERAGE(E11:E45)","v":{"$error":"#DIV/0!"}}]
["Exposure-Weighted Average",null,null,null,{"$f":"D47/C47","v":{"$error":"#DIV/0!"}}]
["Alternate-Weighted Average",null,null,null,{"$f":"SUMPRODUCT(E11:E45,$F11:$F45)","v":0}]
["Selected (Justify in Filing Memorandum)"]

{"sheet":"10.Ex9d_Proj_AIY","index":12,"n_rows":51,"n_cols":10,"rows_kept":51,"cut":false,"hidden":false,"merged":[]}
[null,{"$f":"Co_Name","v":""}]
[null,{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "}]
[]
[null,"AIY Trend"]
[null,{"$f":"\"California Company-Specific AIY Trend Data - \"&'1.General'!$C$18","v":"California Company-Specific AIY Trend Data - "}]
[]
[]
[]
[null,null,null,"Quarterly Data",null,null,null,"Rolling 4-Quarter Data"]
[null,"Calendar YYYYQ",null,"Earned Exposures","Earned AIY\n($000)","AIY/ Exposures",null,{"$f":"D10","v":"Earned Exposures"},{"$f":"E10","v":"Earned AIY\n($000)"},{"$f":"F10","v":"AIY/ Exposures"}]
[9,{"$f":"IF(RIGHT(B12,1)=\"1\",B12-7,B12-1)","v":-68},null,null,null,{"$f":"E11/D11","v":{"$error":"#DIV/0!"}}]
[10,-61,null,null,null,{"$error":"#DIV/0!"}]
[11,-60,null,null,null,{"$error":"#DIV/0!"}]
[null,-59,null,null,null,{"$error":"#DIV/0!"},null,{"$f":"IF(COUNT(D11:D14)<4,\"\",SUM(D11:D14))","v":""},{"$f":"IF(COUNT(E11:E14)<4,\"\",SUM(E11:E14))","v":""},{"$f":"IFERROR(I14/H14,0)","v":0}]
[null,-58,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[null,-51,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[null,-50,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[null,-49,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[null,-48,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[null,-41,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[null,-40,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[null,-39,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[12,-38,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[13,-31,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[14,-30,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[15,-29,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[16,-28,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[17,-21,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[18,-20,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[19,-19,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[20,-18,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[21,-11,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[22,-10,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[23,-9,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[24,-8,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[25,-1,null,null,null,{"$error":"#DIV/0!"},null,"","",0]
[26,{"$f":"FYQtr_CATnonmdl","v":0},null,null,null,{"$error":"#DIV/0!"},null,"",{"$f":"IF(COUNT(E34:E37)<4,\"\",SUM(E34:E37))","v":""},0]
[null,null,null,"(Justify Selection and Trend Period in Filing Memorandum)"]
[null,null,null,null,"Trend",null,null,null,"Rolling 4-Qtr","Annual Trend"]
[null,"Selected:",null,null,{"$f":"VLOOKUP($D$40,$I$40:$J$44,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,"8 pt",{"$f":"LOGEST(J30:J$37)^4-1","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,"12 pt",{"$f":"LOGEST(J26:J$37)^4-1","v":{"$error":"#NUM!"}}]
[null,"Trend Period (Years) for Most Recent Year in Experience Period:",null,null,null,null,null,null,"16 pt",{"$f":"LOGEST(J22:J$37)^4-1","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,"20 pt",{"$f":"LOGEST(J18:J$37)^4-1","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,"24 pt",{"$f":"LOGEST(J14:J$37)^4-1","v":{"$error":"#NUM!"}}]
[null,"Trend Factor:",null,null,"Projected AIY"]
[null,"6th Prior Year",null,{"$f":"(1+AIYTrnd)^(F$42+5)","v":{"$error":"#N/A"}},{"$f":"I17*D46","v":{"$error":"#VALUE!"}}]
[null,"5th Prior Year",null,{"$f":"(1+AIYTrnd)^(F$42+4)","v":{"$error":"#N/A"}},{"$f":"I21*D47","v":{"$error":"#VALUE!"}}]
[null,"4th Prior Year",null,{"$f":"(1+AIYTrnd)^(F$42+3)","v":{"$error":"#N/A"}},{"$f":"I25*D48","v":{"$error":"#VALUE!"}}]
[null,"3rd Prior Year",null,{"$f":"(1+AIYTrnd)^(F$42+2)","v":{"$error":"#N/A"}},{"$f":"I29*D49","v":{"$error":"#VALUE!"}}]
[null,"2nd Prior Year",null,{"$f":"(1+AIYTrnd)^(F$42+1)","v":{"$error":"#N/A"}},{"$f":"I33*D50","v":{"$error":"#VALUE!"}}]
[null,"Most Recent Year",null,{"$f":"(1+AIYTrnd)^(F$42+0)","v":{"$error":"#N/A"}},{"$f":"I37*D51","v":{"$error":"#VALUE!"}}]

{"sheet":"11.Ex9e_Proj_Ult_NonCAT","index":13,"n_rows":18,"n_cols":8,"rows_kept":18,"cut":false,"hidden":false,"merged":[]}
[{"$f":"Co_Name","v":""}]
[{"$f":"INDEX(List_LineType,Index_Line_Type)&\" \"&INDEX(List_GeneralLine,Index_General_Line)","v":" "}]
[{"$f":"\"\"&'1.General'!$C$18","v":""}]
["Projected Ultimate Trended Non-Catastrophe Loss & DCCE per Exposure"]
[]
[]
["Description","Source","5th Prior Year Ending","4th Prior Year Ending","3rd Prior Year Ending","2nd Prior Year Ending","1st Prior Year Ending","Most Recent Year Ending"]
["Year",null,{"$f":"+D8-10","v":-50},-40,-30,-20,{"$f":"+H8-10","v":-10},{"$f":"+FYQtr_CATnonmdl","v":0}]
["Earned Exposure Units","Rate Tl Pg6 Ln 6"]
["Historic Losses","Rate Tl Pg6 Ln 7"]
["Historic Defense and Cost \nContainment Expense (DCCE)","Rate Tl Pg6 Ln 8"]
["Loss Development Factor","Rate Tl Pg6 Ln 9"]
["DCCE Development Factor","Rate Tl Pg6 Ln 10"]
["Loss Trend Factor","Rate Tl Pg6 Ln 11"]
["DCCE Trend Factor","Rate Tl Pg6 Ln 12"]
[]
[]
["Projected Ultimate Trended Non-Catastrophe Loss & DCCE per Exposure",null,null,null,null,null,null,{"$f":"(SUMPRODUCT(C10:H10,C12:H12,C14:H14)+SUMPRODUCT(C11:H11,C13:H13,C15:H15))/SUM(C9:H9)","v":{"$error":"#DIV/0!"}}]

{"sheet":"12.Ex12a_TotNCOR","index":14,"n_rows":14,"n_cols":10,"rows_kept":14,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
["Standard Net Cost of Reinsurance for Modeled Catastrophes"]
[{"$f":"'1.General'!$C$18","v":0}]
[]
[null,"Peril",null,"Calculated NCOR",null,"Selected DCCE-to-Loss",null,"Standard NCOR",null,"Total Standard NCOR"]
[null,"Description",null,"per Exposure",null,"Ratio (Exhibit 9c)",null,"per Exposure",null,"per Exposure"]
[null,"Wildfire",null,{"$f":"'13.Ex12b_NCOR_in_Layer'!$N$31","v":0},null,{"$f":"'9.Ex9c_DCCE_to_Loss'!$E$52","v":0},null,{"$f":"D9*(1+F9)","v":0},null,{"$f":"H9/H13*H14","v":{"$error":"#DIV/0!"}}]
[null,"Fire Following Earthquake",null,{"$f":"'13.Ex12b_NCOR_in_Layer'!$N$63","v":0},null,{"$f":"'9.Ex9c_DCCE_to_Loss'!$E$52","v":0},null,{"$f":"D10*(1+F10)","v":0},null,{"$f":"H10/H13*H14","v":{"$error":"#DIV/0!"}}]
[]
[]
[null,"Total",null,{"$f":"SUM(D9:D11)","v":0},null,{"$f":"'9.Ex9c_DCCE_to_Loss'!$E$52","v":0},null,{"$f":"SUM(H9:H11)","v":0},null,{"$f":"SUM(J9:J11)","v":{"$error":"#DIV/0!"}}]
[null,"Covariance Adjusted",null,{"$f":"SQRT(SUMPRODUCT(D9:D11,D9:D11))","v":0},null,{"$f":"H14/D14-1","v":{"$error":"#DIV/0!"}},null,{"$f":"SQRT(SUMPRODUCT(H9:H11,H9:H11))","v":0}]

{"sheet":"13.Ex12b_NCOR_in_Layer","index":15,"n_rows":63,"n_cols":77,"rows_kept":63,"cut":false,"hidden":true,"merged":[[26,73,26,76],[8,23,8,29],[8,31,8,37],[40,23,40,29],[40,31,40,37],[25,19,25,21],[8,59,8,65],[8,7,8,13],[8,15,8,21],[40,7,40,13],[40,15,40,21],[8,51,8,57]]}
[]
[]
[]
[null,null,null,null,null,null,null,"Calculated Net Cost of Reinsurance for Modeled Catastrophes by Peril",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Calculated Net Cost of Reinsurance for Modeled Catastrophes by Peril",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Calculated Net Cost of Reinsurance for Modeled Catastrophes by Peril"]
[null,null,null,null,null,null,null,"Wildfire",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Wildfire",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,{"$f":"'1.General'!$C$18","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'1.General'!$C$18","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'1.General'!$C$18","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(DEPARTMENT USE ONLY)"]
[null,null,null,null,null,null,null,"Selected Model",null,null,null,null,null,null,null,"Model #1",null,null,null,null,null,null,null,"Model #2",null,null,null,null,null,null,null,"Model #3",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Selected Model",null,null,null,null,null,null,null,"Model #1"]
[null,"CDI Parameters",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CDI Parameters",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CDI Parameters"]
[null,"Attachment",null,"Exhaustion",null,"Return Multiple",null,"Attachment Point",null,"Exhaustion Point",null,"Expected Loss",null,"Standard NCOR",null,"Attachment Point",null,"Exhaustion Point",null,"Expected Loss",null,"Standard NCOR",null,"Attachment Point",null,"Exhaustion Point",null,"Expected Loss",null,"Standard NCOR",null,"Attachment Point",null,"Exhaustion Point",null,"Expected Loss",null,"Standard NCOR",null,null,null,null,null,null,null,"Attachment",null,"Exhaustion",null,"Return Multiple",null,"Attachment Point",null,"Exhaustion Point",null,"Expected Loss",null,"Standard NCOR",null,"Attachment Point",null,"Exhaustion Point",null,"Expected Loss",null,"Standard NCOR",null,"Attachment",null,"Exhaustion",null,"Return Multiple"]
[null,"Point (%)",null,"Point (%)",null,"in Layer",null,"($)",null,"($)",null,"in Layer",null,"in Layer",null,"($)",null,"($)",null,"in Layer",null,"in Layer",null,"($)",null,"($)",null,"in Layer",null,"in Layer",null,"($)",null,"($)",null,"in Layer",null,"in Layer",null,null,null,null,null,null,null,"Point (%)",null,"Point (%)",null,"in Layer",null,"($)",null,"($)",null,"in Layer",null,"in Layer",null,"($)",null,"($)",null,"in Layer",null,"in Layer",null,"Point (%)",null,"Point (%)",null,"in Layer",null,"Modeled Return Multiple by U.S. Property Premium Size"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less than $5B","$5B to $10B","$10B to $20B","More than $20B"]
[null,{"$f":"$BP$13","v":1},null,{"$f":"$BR$13","v":0.2},null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(L13<>\"\",$F13<>\"\"),L13*$F13,\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(AND(T13<>\"\",$F13<>\"\"),T13*$F13,\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(AND(AB13<>\"\",$F13<>\"\"),AB13*$F13,\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(AND(AJ13<>\"\",$F13<>\"\"),AJ13*$F13,\"\")","v":""},null,null,null,null,null,null,null,{"$f":"$BP$13","v":1},null,{"$f":"$BR$13","v":0.2},null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(BD13<>\"\",$AX13<>\"\"),BD13*$AX13,\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(AND(BL13<>\"\",$AX13<>\"\"),BL13*$AX13,\"\")","v":""},null,1,null,0.2,null,"N/A",null,0.7367350982132872,0.68623380620618202,0.60963986344913268,0.48114486289912684]
[null,{"$f":"$BP$14","v":0.2},null,{"$f":"$BR$14","v":0.1},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,{"$f":"$BP$14","v":0.2},null,{"$f":"$BR$14","v":0.1},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,0.2,null,0.1,null,"N/A",null,1.2879794935772351,1.1996918191308132,1.0657882928259645,0.84114998505840033]
[null,{"$f":"$BP$15","v":0.1},null,{"$f":"$BR$15","v":0.05},null,{"$f":"$BT$15","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$f":"$BP$15","v":0.1},null,{"$f":"$BR$15","v":0.05},null,{"$f":"$BT$15","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,0.1,null,0.05,null,{"$f":"INDEX(BV15:BY15,MATCH($BT$26,$BV$12:$BY$12,0))*$BT$27^$BV$27","v":{"$error":"#N/A"}},null,1.7411127411636762,1.6217639505711823,1.4407508700844804,1.1370809578242669]
[null,{"$f":"$BP$16","v":0.05},null,{"$f":"$BR$16","v":0.04},null,{"$f":"$BT$16","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$f":"$BP$16","v":0.05},null,{"$f":"$BR$16","v":0.04},null,{"$f":"$BT$16","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,0.05,null,0.04,null,{"$f":"INDEX(BV16:BY16,MATCH($BT$26,$BV$12:$BY$12,0))*$BT$27^$BV$27","v":{"$error":"#N/A"}},null,2.1509618777093342,2.0035189852154263,1.7798963407487605,1.4047440664379642]
[null,{"$f":"$BP$17","v":0.04},null,{"$f":"$BR$17","v":0.02},null,{"$f":"$BT$17","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$f":"$BP$17","v":0.04},null,{"$f":"$BR$17","v":0.02},null,{"$f":"$BT$17","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,0.04,null,0.02,null,{"$error":"#N/A"},null,2.5935283723397733,2.4157486873785379,2.1461150508495686,1.6937741342318342]
[null,{"$f":"$BP$18","v":0.02},null,{"$f":"$BR$18","v":0.01},null,{"$f":"$BT$18","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$f":"$BP$18","v":0.02},null,{"$f":"$BR$18","v":0.01},null,{"$f":"$BT$18","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,0.02,null,0.01,null,{"$error":"#N/A"},null,3.505976078166094,3.2656504548548333,2.90115508645188,2.2896728872397034]
[null,{"$f":"$BP$19","v":0.01},null,{"$f":"$BR$19","v":5.0000000000000001E-3},null,{"$f":"$BT$19","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$f":"$BP$19","v":0.01},null,{"$f":"$BR$19","v":5.0000000000000001E-3},null,{"$f":"$BT$19","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,0.01,null,5.0000000000000001E-3,null,{"$error":"#N/A"},null,4.7394385161800647,4.4145622220605212,3.921831139627745,3.0952190286801398]
[null,{"$f":"$BP$20","v":5.0000000000000001E-3},null,{"$f":"$BR$20","v":4.0000000000000001E-3},null,{"$f":"$BT$20","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$f":"$BP$20","v":5.0000000000000001E-3},null,{"$f":"$BR$20","v":4.0000000000000001E-3},null,{"$f":"$BT$20","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,5.0000000000000001E-3,null,4.0000000000000001E-3,null,{"$error":"#N/A"},null,5.8550783812179654,5.4537278499734585,4.8450103618876472,3.8238179392115619]
[null,{"$f":"$BP$21","v":4.0000000000000001E-3},null,{"$f":"$BR$21","v":2E-3},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,{"$f":"$BP$21","v":4.0000000000000001E-3},null,{"$f":"$BR$21","v":2E-3},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,4.0000000000000001E-3,null,2E-3,null,"N/A",null,7.0597773309370195,6.5758477918673659,5.8418849576347016,4.6105793035106331]
[null,{"$f":"$BP$22","v":2E-3},null,{"$f":"$BR$22","v":1E-3},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,{"$f":"$BP$22","v":2E-3},null,{"$f":"$BR$22","v":1E-3},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,2E-3,null,1E-3,null,"N/A",null,9.5435279225863017,8.8893436824634513,7.8971601511295644,6.2326600769024694]
[null,{"$f":"$BP$23","v":1E-3},null,{"$f":"$BR$23","v":0},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,{"$f":"$BP$23","v":1E-3},null,{"$f":"$BR$23","v":0},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,1E-3,null,0,null,"N/A",null,19.903494974629766,18.539161696476736,16.469914339524202,12.998517898775715]
[]
[null,null,null,null,null,null,null,null,null,"Total",null,{"$f":"SUM(L13:L23)","v":0},null,{"$f":"SUM(N13:N23)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"SUM(T13:T23)","v":0},null,{"$f":"SUM(V13:V23)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"SUM(AB13:AB23)","v":0},null,{"$f":"SUM(AD13:AD23)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"SUM(AJ13:AJ23)","v":0},null,{"$f":"SUM(AL13:AL23)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,{"$f":"SUM(BD13:BD23)","v":0},null,{"$f":"SUM(BF13:BF23)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"SUM(BL13:BL23)","v":0},null,{"$f":"SUM(BN13:BN23)","v":{"$error":"#N/A"}},null,"Company Values"]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ABS(ROUND($L$25/'6.Ex9c_Mod_WF'!$C$20,3))>0.005,\"                           ↑ WARNING! Must match AAL from 6.Ex9c_Mod_WF\",\"\")","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,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,"U.S. Property Premium Size",null,null,null,{"$f":"_xlfn.LET(_xlpm.size_billions,'1.General'!$C$56/1000000000,IF(_xlpm.size_billions<5,\"Less than $5B\",IF(_xlpm.size_billions<10,\"$5B to $10B\",IF(_xlpm.size_billions<20,\"$10B to $20B\", \"More than $20B\"))))","v":{"$error":"#N/A"}},null,"Modeled Power Coefficient for California Concentration"]
[null,null,null,null,null,null,null,null,null,null,null,"Inforce Exposures",null,null,{"$f":"IF(ABS(ROUND($N$27/'6.Ex9c_Mod_WF'!$C$26,3))>0.005,\"← WARNING! Must match Exposures from 6.Ex9c_Mod_WF\",\"\")","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inforce Exposures",null,null,null,null,null,null,null,null,null,null,null,"California Concentration",null,null,null,{"$f":"'1.General'!$C$57/'1.General'!$C$56","v":{"$error":"#N/A"}},null,0.3649]
[]
[null,null,null,null,null,null,null,null,null,"Total per Exposure",null,{"$f":"L25/N27","v":{"$error":"#DIV/0!"}},null,{"$f":"N25/N27","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"T25/N27","v":{"$error":"#DIV/0!"}},null,{"$f":"V25/N27","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"AB25/N27","v":{"$error":"#DIV/0!"}},null,{"$f":"AD25/N27","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"AJ25/N27","v":{"$error":"#DIV/0!"}},null,{"$f":"AL25/N27","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total per Exposure",null,{"$f":"BD25/BF27","v":{"$error":"#DIV/0!"}},null,{"$f":"BF25/BF27","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"BL25/BF27","v":{"$error":"#DIV/0!"}},null,{"$f":"BN25/BF27","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Calculated NCOR per Exposure",null,{"$f":"IF(N27=0,0,N29)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Calculated NCOR per Exposure",null,{"$f":"IF(BF27=0,0,BF29)","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,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,"Model #2",null,null,null,null,null,null,null,"Model #3"]
[]
[null,null,null,null,null,null,null,"Calculated Net Cost of Reinsurance for Modeled Catastrophes by Peril",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Calculated Net Cost of Reinsurance for Modeled Catastrophes by Peril"]
[null,null,null,null,null,null,null,"Fire Following Earthquake",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fire Following Earthquake"]
[null,null,null,null,null,null,null,{"$f":"'1.General'!$C$18","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'1.General'!$C$18","v":0}]
[]
[null,null,null,null,null,null,null,"Selected Model",null,null,null,null,null,null,null,"Model #1",null,null,null,null,null,null,null,"Model #2",null,null,null,null,null,null,null,"Model #3"]
[null,"CDI Parameters"]
[null,"Attachment",null,"Exhaustion",null,"Return Multiple",null,"Attachment Point",null,"Exhaustion Point",null,"Expected Loss",null,"Standard NCOR",null,"Attachment Point",null,"Exhaustion Point",null,"Expected Loss",null,"Standard NCOR",null,"Attachment Point",null,"Exhaustion Point",null,"Expected Loss",null,"Standard NCOR",null,"Attachment Point",null,"Exhaustion Point",null,"Expected Loss",null,"Standard NCOR"]
[null,"Point (%)",null,"Point (%)",null,"in Layer",null,"($)",null,"($)",null,"in Layer",null,"in Layer",null,"($)",null,"($)",null,"in Layer",null,"in Layer",null,"($)",null,"($)",null,"in Layer",null,"in Layer",null,"($)",null,"($)",null,"in Layer",null,"in Layer"]
[]
[null,{"$f":"$BP$13","v":1},null,{"$f":"$BR$13","v":0.2},null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(L45<>\"\",$F45<>\"\"),L45*$F45,\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(AND(T45<>\"\",$F45<>\"\"),T45*$F45,\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(AND(AB45<>\"\",$F45<>\"\"),AB45*$F45,\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(AND(AJ45<>\"\",$F45<>\"\"),AJ45*$F45,\"\")","v":""}]
[null,{"$f":"$BP$14","v":0.2},null,{"$f":"$BR$14","v":0.1},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,""]
[null,{"$f":"$BP$15","v":0.1},null,{"$f":"$BR$15","v":0.05},null,{"$f":"$BT$15","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"}]
[null,{"$f":"$BP$16","v":0.05},null,{"$f":"$BR$16","v":0.04},null,{"$f":"$BT$16","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"}]
[null,{"$f":"$BP$17","v":0.04},null,{"$f":"$BR$17","v":0.02},null,{"$f":"$BT$17","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"}]
[null,{"$f":"$BP$18","v":0.02},null,{"$f":"$BR$18","v":0.01},null,{"$f":"$BT$18","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"}]
[null,{"$f":"$BP$19","v":0.01},null,{"$f":"$BR$19","v":5.0000000000000001E-3},null,{"$f":"$BT$19","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"}]
[null,{"$f":"$BP$20","v":5.0000000000000001E-3},null,{"$f":"$BR$20","v":4.0000000000000001E-3},null,{"$f":"$BT$20","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"},null,null,null,null,null,null,null,{"$error":"#N/A"}]
[null,{"$f":"$BP$21","v":4.0000000000000001E-3},null,{"$f":"$BR$21","v":2E-3},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,""]
[null,{"$f":"$BP$22","v":2E-3},null,{"$f":"$BR$22","v":1E-3},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,""]
[null,{"$f":"$BP$23","v":1E-3},null,{"$f":"$BR$23","v":0},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,""]
[]
[null,null,null,null,null,null,null,null,null,"Total",null,{"$f":"SUM(L45:L55)","v":0},null,{"$f":"SUM(N45:N55)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"SUM(T45:T55)","v":0},null,{"$f":"SUM(V45:V55)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"SUM(AB45:AB55)","v":0},null,{"$f":"SUM(AD45:AD55)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"SUM(AJ45:AJ55)","v":0},null,{"$f":"SUM(AL45:AL55)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ABS(ROUND($L$57/'7.Ex9c_Mod_FFEQ'!$C$20,3))>0.005,\"                           ↑ WARNING! Must match AAL from 7.Ex9c_Mod_FFEQ\",\"\")","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,null,null,"Inforce Exposures",null,null,{"$f":"IF(ABS(ROUND($N$59/'7.Ex9c_Mod_FFEQ'!$C$26,3))>0.005,\"← WARNING! Must match Exposures from 7.Ex9c_Mod_FFEQ\",\"\")","v":{"$error":"#DIV/0!"}}]
[]
[null,null,null,null,null,null,null,null,null,"Total per Exposure",null,{"$f":"L57/N59","v":{"$error":"#DIV/0!"}},null,{"$f":"N57/N59","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"T57/N59","v":{"$error":"#DIV/0!"}},null,{"$f":"V57/N59","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"AB57/N59","v":{"$error":"#DIV/0!"}},null,{"$f":"AD57/N59","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"AJ57/N59","v":{"$error":"#DIV/0!"}},null,{"$f":"AL57/N59","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Calculated NCOR per Exposure",null,{"$f":"IF(N59=0,0,N61)","v":0}]

{"sheet":"Annual Statement","index":16,"n_rows":158,"n_cols":5,"rows_kept":158,"cut":false,"hidden":true,"merged":[]}
["California Concentration"]
["Source:","Annual Statements - Page 14 and Exhibit 1B"]
["Edition:",2024]
["Last year of data:",2024]
["Prepared by:","Rate Regulation Branch"]
["Last revised:","2025-06-26"]
[]
[]
[]
["Group Code","Group Name","CA Property DWP","CW Property DWP","CA Concentration"]
[5092,"5B Alliance Grp",46194895,283761528,0.1628]
[5077,"Accredited Ins Holdings Grp",50426153,343098252,0.14699999999999999]
[4997,"ACP Ins Mgmt LLC Grp",220035294,642290775,0.34260000000000002]
[313,"AEGIS GRP",41136638,83532006,0.49249999999999999]
[3299,"AJK Holdings Grp",8459146,31508898,0.26850000000000002]
[761,"ALLIANZ INS GRP",207551949,1500130482,0.1384]
[8,"ALLSTATE INS GRP",943800484,16873124048,5.5899999999999998E-2]
[79,"Ally Ins Holdings Grp",1203985,5590036,0.21540000000000001]
[17091,"AM Specialty Ins Co",1311655,4135215,0.31719999999999998]
[1248,"Ambac Financial Grp",67072,380852,0.17610000000000001]
[473,"AMERICAN FAMILY INS GRP",600621352,9584198254,6.2700000000000006E-2]
[84,"American Financial Grp",115228955,592938127,0.1943]
[12,"AMERICAN INTL GRP",506887287,4549915403,0.1114]
[124,"AMERISURE CO GRP",44867,76175522,5.9999999999999995E-4]
[17565,"Amherst Specialty Ins Co",3514736,78189032,4.4999999999999998E-2]
[28,"AMICA MUT GRP",91873608,1265743623,7.2599999999999998E-2]
[2538,"AmTrust Financial Serv Grp",99810454,536941385,0.18590000000000001]
[4734,"Apollo Global Mgmt Grp",19440980,142371192,0.1366]
[1279,"Arch Ins Grp",59087937,748264317,7.9000000000000001E-2]
[41459,"Armed Forces Ins Exch",6125876,70651189,8.6699999999999999E-2]
[4908,"Ascot Ins US Grp",11814951,102252739,0.11550000000000001]
[19,"Assurant Inc Grp",318820361,2822791023,0.1129]
[16427,"Ategrity Specialty Ins Co",43137887,171163989,0.252]
[4962,"AU Holding Co Grp",1203084,29978973,4.0099999999999997E-2]
[1318,"Auto Club Enterprises Ins Grp",1042892815,1655637229,0.62990000000000002]
[280,"AUTO OWNERS GRP",298665597,6020304859,4.9599999999999998E-2]
[968,"AXA INS GRP",68314872,871008044,7.8399999999999997E-2]
[3416,"AXIS Capital Grp",81323378,854754298,9.5100000000000004E-2]
[572,"BCBS of MI Grp",76646183,458854439,0.16700000000000001]
[4942,"Beazley Grp",92522040,484853471,0.1908]
[4886,"Benchmark Holding Grp",40749,235353184,2.0000000000000001E-4]
[31,"BERKSHIRE HATHAWAY GRP",516461319,5447287814,9.4799999999999995E-2]
[408,"Brookfield Wealth Solutions Grp",68871161,955302266,7.2099999999999997E-2]
[13528,"Brotherhood Mut Ins Co",26014462,609022665,4.2700000000000002E-2]
[10830,"Business Alliance Ins Co",4480657,4480657,1]
[4857,"Cabrillo Holding Grp",8980246,209467491,4.2900000000000001E-2]
[33,"CALIFORNIA CAS MGMT GRP",94343554,115076306,0.81979999999999997]
[27480,"California Mut Ins Co",15771121,15771121,1]
[12961,"Canopius US Ins",12827231,94167439,0.13619999999999999]
[4935,"Chandler Ins Grp",2754,13959402,2.0000000000000001E-4]
[626,"Chubb Ltd Grp",1043173166,9428076473,0.1106]
[4851,"Church Mut Grp",50138756,633884275,7.9100000000000004E-2]
[244,"CINCINNATI FIN GRP",182531528,3259342064,5.6000000000000001E-2]
[323,"CIVIL SERV EMPLOYEE GRP",5358732,5331702,1.0051000000000001]
[4850,"Clear Blue Financial Grp",1636472,399485623,4.1000000000000003E-3]
[218,"CNA Ins Grp",159156038,1556531534,0.1023]
[256,"Coaction Global Inc GRP",29123618,185333005,0.15709999999999999]
[5015,"Concert Grp Holdings Inc Grp",2348595,23913796,9.8199999999999996E-2]
[4720,"Conifer Holdings Grp",2423,49466277,0]
[4485,"Copperpoint Grp",126160,32034120,3.8999999999999998E-3]
[4990,"Core Specialty Ins Holdings Grp",70034786,669805948,0.1046]
[1278,"CSAA Ins Grp",1167302279,1748960133,0.66739999999999999]
[17332,"Dellwood Specialty Ins Co",246686,7671605,3.2199999999999999E-2]
[40975,"Dentists Ins Co",20649108,26097957,0.79120000000000001]
[4672,"Dongbu Ins Grp",148461001,324311019,0.45779999999999998]
[33499,"Dorinco Reins Co",560061,121084147,4.5999999999999999E-3]
[4761,"ECM Ins Grp",158866,158144507,1E-3]
[62,"EMC Ins Co Grp",7477783,527130182,1.4200000000000001E-2]
[5080,"Emerald Bay Grp",25813269,39765179,0.64910000000000001]
[1120,"EVEREST REINS HOLDINGS GRP",53820379,518154548,0.10390000000000001]
[158,"FAIRFAX FIN GRP",182711144,1173305990,0.15570000000000001]
[69,"FARMERS INS GRP",3361357527,12714878868,0.26440000000000002]
[7,"FEDERATED MUT GRP",30171837,493893755,6.1100000000000002E-2]
[11118,"Federated Rural Electric Ins Exch",368832,71805533,5.1000000000000004E-3]
[65,"FM GLOBAL GRP",276726551,4168682564,6.6400000000000001E-2]
[3829,"GeoVera Holdings Inc Grp",12800055,498813452,2.5700000000000001E-2]
[920,"Global Ind Grp",24475847,153543307,0.15939999999999999]
[39861,"Golden Bear Ins Co",16906113,33722819,0.50129999999999997]
[5049,"Granada Fin Grp",32551643,55637633,0.58509999999999995]
[83,"GRANGE INS GRP",32248761,101424074,0.318]
[4794,"Group 1001 Ins Holdings Grp",156368,1810239,8.6400000000000005E-2]
[303,"GUIDEONE INS GRP",24393395,391289674,6.2300000000000001E-2]
[517,"HANNOVER GRP",26308183,366494309,7.1800000000000003E-2]
[91,"HARTFORD FIRE & CAS GRP",535782994,4050405348,0.1323]
[4861,"Heritage Ins Holdings Grp",38018249,1410424035,2.7E-2]
[4666,"Hiscox Ins Grp",11573710,37921908,0.30520000000000003]
[300,"HORACE MANN GRP",40870892,296895097,0.13769999999999999]
[4359,"Housing Authority Prop Grp",11171544,204695727,5.4600000000000003E-2]
[10048,"Hyundai Marine & Fire Ins Co Ltd",1576592,102792412,1.5299999999999999E-2]
[225,"IAT Reins Co Grp",7456881,758984055,9.7999999999999997E-3]
[479,"IFG CO GRP",964369,8087768,0.1192]
[4987,"Incline Ins Grp LLC Grp ",2769771,74152748,3.7400000000000003E-2]
[4904,"Intact Financial Grp",41011735,351903410,0.11650000000000001]
[5031,"Iron Family Holdings Grp",52972163,1091309054,4.8500000000000001E-2]
[3494,"James River Grp",6263114,119050773,5.2600000000000001E-2]
[4889,"Jewelers Mut Grp",2433128,25831683,9.4200000000000006E-2]
[215,"Kemper Corp Grp",4280969,82726632,5.1700000000000003E-2]
[38920,"Kinsale Ins Co",106784228,565652795,0.1888]
[1316,"KnightBrook Ins Grp ",29085790,63019221,0.46150000000000002]
[37800,"Kookmin Best Ins Co Ltd",3117373,3118590,0.99960000000000004]
[16255,"KW Specialty Ins Co",56535256,108512301,0.52100000000000002]
[5032,"Lemonade Inc Grp",105996969,499880984,0.21199999999999999]
[111,"LIBERTY MUT GRP",1407755478,14931941797,9.4299999999999995E-2]
[5034,"LIO Holdings Co Grp",670954,16586925,4.0500000000000001E-2]
[411,"MAPFRE INS GRP",15530964,739006231,2.1000000000000001E-2]
[785,"Markel Grp",162862833,1274246687,0.1278]
[660,"MERCURY GEN GRP",1205686303,1601639759,0.75280000000000002]
[4980,"MGI Holdings Grp",15933649,272421174,5.8500000000000003E-2]
[5087,"MGT Grp",411535,25440720,1.6199999999999999E-2]
[4715,"MS & AD Ins Grp",112602825,1425230537,7.9000000000000001E-2]
[361,"Munich Re Grp",271447876,2945462968,9.2200000000000004E-2]
[140,"NATIONWIDE CORP GRP",794094674,6488855243,0.12239999999999999]
[4982,"OBS Holdings Grp",16594095,109089501,0.15210000000000001]
[150,"OLD REPUBLIC GRP",35754826,313182185,0.1142]
[645,"OREGON MUT GRP",32487044,66291772,0.49009999999999998]
[17327,"Palms Specialty Ins Co Inc",1889589,101945114,1.8499999999999999E-2]
[4977,"Palomar Holdings Grp",3653686,161882812,2.2599999999999999E-2]
[14974,"Pennsylvania Lumbermens Mut Ins",16169930,222565985,7.2700000000000001E-2]
[775,"PHARMACISTS MUT GRP",4880217,55073068,8.8599999999999998E-2]
[4131,"Prime Holdings Ins Grp",4087226,16629726,0.24579999999999999]
[155,"PROGRESSIVE GRP",59997444,3465564326,1.7299999999999999E-2]
[796,"QBE Ins Grp",94341332,917329206,0.1028]
[5075,"Riverstone Intl Grp",378199,7021810,5.3900000000000003E-2]
[783,"RLI INS GRP",41256295,513868481,8.0299999999999996E-2]
[899,"ROCKINGHAM GRP",3426549,56695223,6.0400000000000002E-2]
[38300,"Samsung Fire & Marine Ins Co Ltd",43040,47853427,8.9999999999999998E-4]
[749,"SCOR Grp",25799694,351565461,7.3400000000000007E-2]
[242,"SELECTIVE INS GRP",25157046,1262110711,1.9900000000000001E-2]
[169,"SENTRY INS GRP",29639366,273309805,0.1084]
[5010,"SH1 Holdings Grp",134864822,650948284,0.2072]
[5001,"SiriusPoint Grp",9114902,15274760,0.59670000000000001]
[4381,"Skyward Specialty Ins Grp Inc Grp",17144957,175848527,9.7500000000000003E-2]
[3219,"Sompo Grp",108392679,923955763,0.1173]
[4670,"Starr Grp",228104951,2407729983,9.4700000000000006E-2]
[176,"STATE FARM GRP",3500332313,34149230993,0.10249999999999999]
[5065,"Sutton Natl Grp",488992764,829265834,0.5897]
[181,"SWISS RE GRP",67064061,859808935,7.8E-2]
[88,"The Hanover Ins Grp",137496796,2150999996,6.3899999999999998E-2]
[4718,"Tiptree Fin Grp",117334487,366203027,0.32040000000000002]
[3098,"Tokio Marine Holdings Inc GRP",414022515,3551667837,0.1166]
[161,"TOPA EQUITIES LTD GRP",312,134850752,0]
[3548,"Travelers Grp",1573728904,15106705774,0.1042]
[4969,"Trisura Grp",95064403,390354636,0.24349999999999999]
[306,"TruStage GRP",6093927,107953038,5.6399999999999999E-2]
[248,"UNITED FIRE & CAS GRP",14186497,192627703,7.3599999999999999E-2]
[200,"UNITED SERV AUTOMOBILE ASSN GRP",932666082,12850418908,7.2599999999999998E-2]
[5020,"Universal Shield Ins Grp",8220305,23383280,0.35149999999999998]
[28497,"Usplate Glass Ins Co",399302,10686557,3.7400000000000003E-2]
[201,"UTICA GRP",4898,443720990,0]
[5013,"Vantage Grp",5236999,133765801,3.9199999999999999E-2]
[5000,"Vault Holdings Grp",36339518,187828339,0.19350000000000001]
[39640,"Velocity Specialty Ins Co",6731871,184862816,3.6400000000000002E-2]
[800,"WESTERN MUT INS GRP",71671888,108975109,0.65769999999999995]
[2898,"Western Serv Contract Grp",215140638,254719673,0.84460000000000002]
[228,"WESTFIELD Grp",20020089,1188704266,1.6799999999999999E-2]
[98,"WR Berkley Corp GRP",58425413,1159524246,5.04E-2]
[4869,"WT Holdings Grp",142731664,424852459,0.33600000000000002]
[212,"ZURICH INS GRP",358901979,3197581235,0.11219999999999999]