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{"sheet":"Hidden","index":0,"n_rows":37,"n_cols":24,"rows_kept":37,"cut":false,"hidden":true,"merged":[]}
["Time period","Claims Table Headding",null,"Time period",null,"AverageList",null,null,null,null,"Column names",null,"ResultsColumnNames",null,null,"PeriodEndForChart",null,"BFColumnNames",null,"Line.of.business",null,"Group",null,"Code"]
["1 month","Line.of.business",null,"1 month",null,"Smpl",null,null,null,null,null,null,"Latest incurred",null,null,{"$f":"YEAR(I2)  & \"-\" & TEXT(MONTH(I2),\"00\")","v":"1900-01"},null,"Premium"]
["1/4 year","Claim.ID",null,null,null,"Vwtd",null,null,null,null,null,null,"Triangle ultimate",null,null,null,null,"Prior ultimate loss ratio"]
["1/2 year","Occurence.date",null,null,null,"Last1",null,null,null,null,null,null,"Triangle extrapolated",null,null,null,null,"Prior ultimate"]
["1 year","Reporting.date",null,null,null,"Last2",null,null,null,null,null,null,"Tail factor",null,null,null,null,"Selected CDF"]
[null,"Booking.date",null,null,null,"Last3",null,null,null,null,null,null,"Tail value",null,null,null,null,"Expected future"]
["Chosen time period","Claims.payment",null,null,null,"Last4",null,null,null,null,null,null,"Total extrapolated",null,null,null,null,"Ultimate derived"]
[{"$f":"IF(TimePeriod=\"1 month\",1,IF(TimePeriod=\"1/4 year\",3,IF(TimePeriod=\"1/2 year\",6,12)))","v":12},"Number.of.paid.claims",null,null,null,"Last5",null,null,null,null,null,null,"Total ultimate"]
[null,"Outstanding.reserve.change",null,null,null,"OccPerSimple"]
[null,"Code",null,null,null,"OccPerVwtd",null,null,null,null,null,null,"ResultsNamesDisc"]
["Chosen time period","Group",null,null,null,"UserDefined",null,null,null,null,null,null,"Triangle extrapolated"]
[{"$f":"IF(TimePeriod_UT=\"1 month\",1,IF(TimePeriod_UT=\"1/4 year\",3,IF(TimePeriod_UT=\"1/2 year\",6,12)))","v":12},null,null,null,null,null,null,null,null,null,null,null,"Tail discount factor"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Tail value"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Total extrapolated"]
[null,null,null,null,null,"AverageRowNames"]
[null,null,null,null,null,"Simple average"]
[null,null,null,null,null,"Std. error",null,null,null,null,null,null,"CFPatternNames"]
[null,null,null,null,null,"Volume weighted average",null,null,null,null,null,null,"Triangle extrapolated"]
[null,null,null,null,null,"Std. error",null,null,null,null,null,null,"From total"]
[null,null,null,null,null,"Last 1 factor",null,null,null,null,null,null,"Tail value"]
[null,null,null,null,null,"Std. error",null,null,null,null,null,null,"Total extrapolated"]
[null,null,null,null,null,"Last 2 volume weighted average",null,null,null,null,null,null,"From total"]
[null,null,null,null,null,"Std. error",null,null,null,null,null,null,"Recoverables from triangle"]
[null,null,null,null,null,"Last 3 volume weighted average",null,null,null,null,null,null,"From total"]
[null,null,null,null,null,"Std. error",null,null,null,null,null,null,"Recoverables from tail"]
[null,null,null,null,null,"Last 4 volume weighted average",null,null,null,null,null,null,"Total recoverables"]
[null,null,null,null,null,"Std. error",null,null,null,null,null,null,"From total"]
[null,null,null,null,null,"Last 5 volume weighted average"]
[null,null,null,null,null,"Std. error",null,null,null,null,null,null,"RecoverablesNames"]
[null,null,null,null,null,"Occurence period weights - simple average",null,null,null,null,null,null,"Triangle extrapolated"]
[null,null,null,null,null,"Std. error",null,null,null,null,null,null,"Tail value"]
[null,null,null,null,null,"Occurence period weights - volume weighted average",null,null,null,null,null,null,"Total extrapolated"]
[null,null,null,null,null,"Std. error"]
[null,null,null,null,null,"User defined factors"]
[null,null,null,null,null,"Std. error"]
[null,null,null,null,null,"Selected option"]
[null,null,null,null,null,"Std. error"]

{"sheet":"Weights","index":1,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"InitialSetting","index":2,"n_rows":12,"n_cols":12,"rows_kept":12,"cut":false,"hidden":false,"merged":[[11,11,11,18],[8,11,8,18],[1,11,2,18],[9,11,9,18],[1,1,2,7],[3,1,3,7],[3,11,3,18],[4,11,4,18],[5,11,5,18],[6,11,6,18],[7,11,7,18],[6,2,6,3],[5,2,5,3],[4,2,4,3]]}
[]
[null,"Claims data specification",null,null,null,null,null,null,null,null,null,"Brief description of the application"]
[]
[null,"Choose the form of the claims data input and use the CREATE INPUTS button to confirm your choice. The claims data can be represented either as a data table (with a pre-specified columns structure) or directly in the form of a claim triangle.",null,null,null,null,null,null,null,null,null,"This tool was developed to help actuaries with the process of claims reserving that is crucial especially for non­life insurance companies. It is based on the analysis of the aggregated data expressed in the form of a development triangle and the extrapolation of the future aggregated values using basically the chain­ladder development factors."]
[null,null,"Get data from a text file",null,null,null,null,null,null,null,null,"Its main functions are as follows:"]
[null,null,"Fill in the data table",null,null,null,null,null,null,null,null,"• To extract the appropriate data from the claims data table and arrange them in a form of development triangle, according to the user’s requirements. The variability consists mainly in the choice of:"]
[null,null,"Fill in the triangle",null,null,null,null,null,null,null,null,"o the valuation date;\no the length of the triangle time period – 1 month, 1/4 year, 1/2 year, 1 year;\no the triangle types to be calculated – 5 different methods of a data aggregation."]
[null,null,null,null,null,null,null,null,null,null,null,"• To calculate several variants of average development factors with their immediate application to the extrapolation of historical triangles."]
[null,null,null,null,null,null,null,null,null,null,null,"Other useful functions of the application:"]
[null,null,null,null,null,null,null,null,null,null,null,"• inflation adjustment of the data;\n• discounting of extrapolated values;\n• loss ratio triangles calculation;\n• graphical expression of the individual development factors and respective residuals;\n• identification of extreme values of individual development factors."]
[]
[null,null,null,null,null,null,null,null,null,null,null,"For the detailed description of the application and its functions see the User guide."]

{"sheet":"ReportedCount","index":3,"n_rows":7,"n_cols":2,"rows_kept":7,"cut":false,"hidden":true,"merged":[[0,0,0,2],[1,1,1,2],[2,1,2,2],[3,1,3,2],[5,0,5,1]]}
["Number of reported claims triangle"]
["Valuation date:",{"$f":"DateTo","v":"2026-06-25"}]
["Time period:",{"$f":"TimePeriod","v":"1 year"}]
["Selected average type:",{"$f":"IFERROR(INDEX(AverageRowNames,2*ReportedCount_II_AvgSelection-1),\"-not chosen-\")","v":"-not chosen-"}]
[]
["Results specification"]
["Tail:",1]

{"sheet":"PmntBookCount","index":4,"n_rows":7,"n_cols":2,"rows_kept":7,"cut":false,"hidden":true,"merged":[[0,0,0,2],[1,1,1,2],[2,1,2,2],[3,1,3,2],[5,0,5,1]]}
["Number of claims paid out"]
["Valuation date:",{"$f":"DateTo","v":"2026-06-25"}]
["Time period:",{"$f":"TimePeriod","v":"1 year"}]
["Selected average type:",{"$f":"IFERROR(INDEX(AverageRowNames,2*PmntBookCount_II_AvgSelection-1),\"-not chosen-\")","v":"-not chosen-"}]
[]
["Results specification"]
["Tail:",1]

{"sheet":"PmntResReport","index":5,"n_rows":9,"n_cols":2,"rows_kept":9,"cut":false,"hidden":true,"merged":[[0,0,0,2],[1,0,1,2],[2,1,2,2],[3,1,3,2],[4,1,4,2],[6,0,6,1]]}
["Incurred value triangle"]
["(occurence vs. reporting)"]
["Valuation date:",{"$f":"DateTo","v":"2026-06-25"}]
["Time period:",{"$f":"TimePeriod","v":"1 year"}]
["Selected average type:",{"$f":"IFERROR(INDEX(AverageRowNames,2*IF(PmntResReport_Infl=\"Ignored\",PmntResReport_II_AvgSelection,PmntResReport_IA_Bas_AvgSelection)-1),\"-not chosen-\")","v":"-not chosen-"}]
[]
["Results specification"]
["Tail:",1]
["Inflation","Ignored"]

{"sheet":"PmntResBook","index":6,"n_rows":9,"n_cols":2,"rows_kept":9,"cut":false,"hidden":true,"merged":[[0,0,0,2],[1,0,1,2],[2,1,2,2],[3,1,3,2],[4,1,4,2],[6,0,6,1]]}
["Incurred value triangle"]
["(occurence vs. booking)"]
["Valuation date:",{"$f":"DateTo","v":"2026-06-25"}]
["Time period:",{"$f":"TimePeriod","v":"1 year"}]
["Selected average type:",{"$f":"IFERROR(INDEX(AverageRowNames,2*IF(PmntResBook_Infl=\"Ignored\",PmntResBook_II_AvgSelection,PmntResBook_IA_Bas_AvgSelection)-1),\"-not chosen-\")","v":"-not chosen-"}]
[]
["Results specification"]
["Tail:",1]
["Inflation","Ignored"]

{"sheet":"PmntBook","index":7,"n_rows":9,"n_cols":2,"rows_kept":9,"cut":false,"hidden":true,"merged":[[0,0,0,2],[1,0,1,2],[2,1,2,2],[3,1,3,2],[4,1,4,2],[6,0,6,1]]}
["Payment triangle "]
["(occurence vs. booking)"]
["Valuation date:",{"$f":"DateTo","v":"2026-06-25"}]
["Time period:",{"$f":"TimePeriod","v":"1 year"}]
["Selected average type:",{"$f":"IFERROR(INDEX(AverageRowNames,2*IF(PmntBook_Infl=\"Ignored\",PmntBook_II_AvgSelection,PmntBook_IA_Bas_AvgSelection)-1),\"-not chosen-\")","v":"-not chosen-"}]
[]
["Results specification"]
["Tail",1]
["Inflation","Ignored"]

{"sheet":"Claims","index":8,"n_rows":1,"n_cols":10,"rows_kept":1,"cut":false,"hidden":true,"merged":[]}
["Line.of.business","Claim.ID","Occurence.date","Reporting.date","Booking.date","Claims.payment","Number.of.paid.claims","Outstanding.reserve.change","Code","Group"]

{"sheet":"OtherData","index":9,"n_rows":6,"n_cols":35,"rows_kept":6,"cut":false,"hidden":true,"merged":[[1,29,1,34],[2,29,2,34],[1,1,1,13],[1,15,1,20],[1,22,1,27],[2,1,2,13],[2,15,2,20],[2,22,2,27]]}
[]
[null,"Premium table",null,null,null,null,null,null,null,null,null,null,null,null,null,"Inflation rates table",null,null,null,null,null,null,"Discount factors table",null,null,null,null,null,null,"Reinsurance rates"]
[null,"Fill in either the monthly premium data (in the left part of the table) or directly the premium values for each occurence period. You can use the \"Calculate premium\" button to pre-fill the PeriodStart and PeriodEnd columns, according to the previously chosen valuation date and input claims data.",null,null,null,null,null,null,null,null,null,null,null,null,null,"Fill in either the yearly inflation rates in the left part of the table (as per annum rates) or directly the inflation adjustment factors for each occurence period (see the User Guide for more detailed specification). You can use the \"Calculate inflation adjustment factors\" button to pre-fill the PeriodStart and PeriodEnd columns, according to the previously chosen valuation date and input claims data.",null,null,null,null,null,null,"Fill in either the yearly interest rates in the left part of the table (as per annum spot rates, valid at valuation date) or directly the discount factors for each occurence period (see the User Guide for more detailed specification). You can use the \"Calculate discount factors\" button to pre-fill the PeriodStart and PeriodEnd columns, according to the previously chosen valuation date and input claims data.",null,null,null,null,null,null,"Fill in either the reinsurance recoverables rates (share of reinsurer on claims payments) for each occurence period and Line of business-Group-Code combination. Use the \"Prepare the table\" button to pre-fill the PeriodStart, PeriodEnd, Line.of.business, Group and Code columns, according to the previously chosen valuation date and input claims data."]
[]
[null,"Year","Month","Line.of.business","Group","Code","Year-Month","Premium","PeriodStart","PeriodEnd","Line.of.business","Group","Code","Premium",null,"Year","Inflation rate","PeriodStart","PeriodEnd","EdgeFactors","Inflation adjustment factors",null,"Years to maturity","Interest rate","PeriodStart","PeriodEnd","PeriodEnd discount factor","Discount factor",null,"PeriodStart","PeriodEnd","Line.of.business","Group","Code","Reinsurance rate"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]

{"sheet":"TrianglesSetting","index":10,"n_rows":23,"n_cols":8,"rows_kept":23,"cut":false,"hidden":true,"merged":[[16,7,16,10],[9,1,9,5],[9,7,9,10],[12,7,12,10],[1,1,2,5],[1,7,2,10],[3,1,5,5],[3,7,5,10],[6,1,6,5],[6,7,6,10]]}
[]
[null,"TRIANGLES SPECIFICATION",null,null,null,null,null,"Optional data"]
[]
[null,"Please specify the time parameters (and confirm the setting after any change you made if you want it to be taken into acount). Further, choose the triangle types you want to be calculated (for detailed description of the triangles, see the Users' Guide).",null,null,null,null,null,"Please fill in the respective data, corresponding to the triangle types required. You have to choose the valuation date and the time period (and confirm your choice) before calculation of these optional data."]
[]
[]
[null,"Time specification",null,null,null,null,null,"Inflation rates"]
[null,"Valuation date: ",{"$f":"TODAY()","v":"2026-06-25"}]
[null,"Period:","1 year"]
[null,"Triangle types",null,null,null,null,null,"Discount rates"]
[null,"Number of claims paid out","Number of reported claims","Payment triangle (occurence vs. booking)","Incurred triangle (occurence vs. reporting)","Incurred triangle (occurence vs. booking)"]
[null,null,null,"(none / all)","(none/all)","(none/all)"]
[null,null,null,"Inflation ignored","Inflation ignored","Inflation ignored",null,"Monthly premium"]
[null,null,null,"Inflation adjusted","Inflation adjusted","Inflation adjusted"]
[null,null,null,"Loss ratio","Loss ratio","Loss ratio"]
[null,null,null,"Discounting","Discounting","Discounting"]
[null,null,null,"Reins. recoverables","Reins. recoverables","Reins. recoverables",null,"Reinsurance rates"]
[null,null,null,"Bornhuetter Ferguson","Bornhuetter Ferguson","Bornhuetter Ferguson"]
[null,"Sheet name: PmntBookCount","Sheet name: ReportedCount","Sheet name: PmntBook","Sheet name: PmntResReport","Sheet name: PmntResBook"]
[null,"Rows: occurence period","Rows: occurence period","Rows: occurence period","Rows: occurence period","Rows: occurence period"]
[null,"Columns: booking development period","Columns: reporting development period","Columns: booking development period","Columns: reporting development period","Columns: booking development period"]
[null,"Cells: number of realized payments in respective period","Cells: number of claims reported in respective period","Cells: total amout of the claims payments realized in the respective period","Cells: sum of all the claims payments realized in respective period and the actual value of the outstanding reserve","Cells: sum of all the claims payments realized in the respective period and the change in the oustanding reserve"]
[null,"Extrapolated triangle: number of payments realized in future periods","Extrapolated triangle: number of claims reported in future periods","Extrapolated triangle: future payments reserve (IBNR + RBNS reserve)","Extrapolated triangle: future costs of not yet reported claims (IBNR reserve)","Extrapolated triangle: not yet reserved future payments (IBNR + IBNER reserve)"]

{"sheet":"ReportedCount_Default","index":11,"n_rows":7,"n_cols":2,"rows_kept":7,"cut":false,"hidden":true,"merged":[[5,0,5,1],[0,0,0,2],[1,1,1,2],[2,1,2,2],[3,1,3,2]]}
["Number of reported claims triangle"]
["Valuation date:",{"$f":"DateTo","v":"2026-06-25"}]
["Time period:",{"$f":"TimePeriod","v":"1 year"}]
["Selected average type:",{"$f":"IFERROR(INDEX(AverageRowNames,2*ReportedCount_II_AvgSelection-1),\"-not chosen-\")","v":"-not chosen-"}]
[]
["Results specification"]
["Tail:",1]

{"sheet":"PmntBook_Default","index":12,"n_rows":9,"n_cols":2,"rows_kept":9,"cut":false,"hidden":true,"merged":[[6,0,6,1],[0,0,0,2],[2,1,2,2],[3,1,3,2],[1,0,1,2],[4,1,4,2]]}
["Payment triangle "]
["(occurence vs. booking)"]
["Valuation date:",{"$f":"DateTo","v":"2026-06-25"}]
["Time period:",{"$f":"TimePeriod","v":"1 year"}]
["Selected average type:",{"$f":"IFERROR(INDEX(AverageRowNames,2*IF(PmntBook_Infl=\"Ignored\",PmntBook_II_AvgSelection,PmntBook_IA_Bas_AvgSelection)-1),\"-not chosen-\")","v":"-not chosen-"}]
[]
["Results specification"]
["Tail",1]
["Inflation","Ignored"]

{"sheet":"PmntResBook_Default","index":13,"n_rows":9,"n_cols":2,"rows_kept":9,"cut":false,"hidden":true,"merged":[[6,0,6,1],[0,0,0,2],[2,1,2,2],[3,1,3,2],[1,0,1,2],[4,1,4,2]]}
["Incurred value triangle"]
["(occurence vs. booking)"]
["Valuation date:",{"$f":"DateTo","v":"2026-06-25"}]
["Time period:",{"$f":"TimePeriod","v":"1 year"}]
["Selected average type:",{"$f":"IFERROR(INDEX(AverageRowNames,2*IF(PmntResBook_Infl=\"Ignored\",PmntResBook_II_AvgSelection,PmntResBook_IA_Bas_AvgSelection)-1),\"-not chosen-\")","v":"-not chosen-"}]
[]
["Results specification"]
["Tail:",1]
["Inflation","Ignored"]

{"sheet":"PmntResReport_Default","index":14,"n_rows":9,"n_cols":2,"rows_kept":9,"cut":false,"hidden":true,"merged":[[6,0,6,1],[0,0,0,2],[2,1,2,2],[3,1,3,2],[1,0,1,2],[4,1,4,2]]}
["Incurred value triangle"]
["(occurence vs. reporting)"]
["Valuation date:",{"$f":"DateTo","v":"2026-06-25"}]
["Time period:",{"$f":"TimePeriod","v":"1 year"}]
["Selected average type:",{"$f":"IFERROR(INDEX(AverageRowNames,2*IF(PmntResReport_Infl=\"Ignored\",PmntResReport_II_AvgSelection,PmntResReport_IA_Bas_AvgSelection)-1),\"-not chosen-\")","v":"-not chosen-"}]
[]
["Results specification"]
["Tail:",1]
["Inflation","Ignored"]

{"sheet":"PmntBookCount_Default","index":15,"n_rows":7,"n_cols":2,"rows_kept":7,"cut":false,"hidden":true,"merged":[[5,0,5,1],[0,0,0,2],[1,1,1,2],[2,1,2,2],[3,1,3,2]]}
["Number of claims paid out"]
["Valuation date:",{"$f":"DateTo","v":"2026-06-25"}]
["Time period:",{"$f":"TimePeriod","v":"1 year"}]
["Selected average type:",{"$f":"IFERROR(INDEX(AverageRowNames,2*PmntBookCount_II_AvgSelection-1),\"-not chosen-\")","v":"-not chosen-"}]
[]
["Results specification"]
["Tail:",1]

{"sheet":"UserTriangle","index":16,"n_rows":22,"n_cols":2,"rows_kept":22,"cut":false,"hidden":true,"merged":[[2,0,2,1],[20,0,20,1],[19,0,19,1],[21,0,21,1],[6,0,6,1],[13,0,13,1]]}
[]
[]
["Time specification"]
["Valuation date: ","2015-12-01"]
["Period:","1 year"]
[]
["Triangle types specification"]
["Inflation adjustment:","NO"]
["Loss ratio:","NO"]
["Bornhuetter Ferguson","NO"]
["Discounting:","NO"]
["Recoverables:","NO"]
[]
["Results specification"]
["Tail:",1]
["Inflation:","Ignored"]
[]
[]
[]
["Input triangle specification"]
["Select..."]
["Monetary"]