{"text_format":"1","workbook":"xlsx","n_sheets":15,"sheets":["Landing Page","Instructions","Interpretation","User Parameters","Results Dashboard","Graphs","COC Calculation","Net Income Matrix","RBC Weights","Tax Rates","Drop Downs","Curve Selection Drop Down","Cost of Capital Data","Change Documentation","Macro Populated Cells"],"not_rendered":{"charts":5,"images":0,"macros":1,"external_links":0,"defined_names":158,"comments":3,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Landing Page","index":0,"n_rows":30,"n_cols":3,"rows_kept":30,"cut":false,"hidden":false,"merged":[[10,0,10,2],[29,0,29,2],[0,0,0,2],[1,0,1,2],[2,0,2,2],[5,0,5,2],[6,0,6,2],[8,0,8,2],[7,0,7,2]]}
["Society of Actuaries"]
["Underwriting Margin Model (v.2024)"]
["For Medicaid Managed Care Rate Development"]
[]
["Disclosures and Limitations"]
["This Excel model accompanies the report titled Medicaid Managed Care Underwriting Margin Model. They are intended to be used in their entirety by qualified actuaries setting rates or evaluating rates for Medicaid managed care programs to develop the underwriting margin component of the capitation rates. It should not be relied on for any other purpose. The calculations in the Excel model as well as the methodologies and assumptions discussed in the report are not intended to account for all possible scenarios. Users should use actuarial judgment to determine if the model results are appropriate for the specific circumstances of the program being evaluated. Actual underwriting margin results will vary from the model estimates."]
["The model relies upon historical Medicaid managed care organization statutory financial filings with the National Association of Insurance Commissioners (NAIC). The authors reviewed the data for reasonableness but did not perform an audit of the data."]
["The opinions expressed and conclusions reached by the authors are their own and do not represent any official position or opinion of the Society of Actuaries or its members. The Society of Actuaries makes no representation or warranty to the accuracy of the information."]
["Please refer to the following link for the full report and backup data:"]
["https://www.soa.org/resources/research-reports/2024/medicaid-underwriting-margin-model/"]
[]
["Authors:",null,"Sponsors:"]
["Mardo Atoyan, MBA ",null,"Society of Actuaries"]
["Principal ",null,"SOA Research Institute"]
["HealthCare Analytics                                                                                                                                                                                                                "]
["                                                                                                                                                                                                                                                   "]
["Tom Donlon, FSA, MAAA, FCA                                                                                                                                                                                                   "]
["Managing Director"]
["Legacy 3 Consulting"]
[]
["Grant Porter, PhD"]
["Senior Consultant"]
["Faulkner Consulting Group"]
[]
[null,"Society of Actuaries Research Institute"]
[null,"8770 W Bryn Mawr Ave, Suite 1000"]
[null,"Chicago, IL 60631"]
[null,"www.SOA.org"]
[]
["This model and the accompanying report is the sole property of the SOA. The SOA owns all rights, title and interest in, including, but not limited to, any patent, copyright, trade secret and other proprietary rights therein. The SOA shall have a perpetual, non-exclusive, irrevocable and fully paid-up license to use, modify and copy such materials for its internal business purposes."]

{"sheet":"Instructions","index":1,"n_rows":86,"n_cols":3,"rows_kept":86,"cut":false,"hidden":false,"merged":[[85,0,85,2],[0,0,0,2],[20,0,20,2],[18,0,18,2],[84,0,84,2],[83,0,83,2],[2,0,2,2],[16,0,16,2],[19,0,19,2]]}
["Instructions for the UW Margin Model"]
[]
["The purpose of the model is to help the actuary decide what Underwriting Margin should be used in the premium rate development by enabling the actuary to test the sensitivity of assumptions."]
[]
["I.      Set assumptions for:"]
["*  General Parameters"]
["*  Cost of Capital Parameters"]
["*  Underwriting Margin Curve Activation"]
["*  Risk-Sharing Parameters"]
["*  Managed Care Discounts for RBC Calculation"]
["*  Income Matrix–Interest Income/Interest Expense"]
["*  User-Defined Values"]
[]
["II.      Press Calculate Button"]
[]
["III.      Lock/Unlock Button"]
["Pressing the Lock/Unlock button will initiate a macro that will activate the protection or cancel the protection of the locked cells in the worksheets. When \"Locked,\" only unlocked cells will be available for modifications, i.e., parameter selections and user inputs. This feature is being provided as a convenience utility to prevent the user from unintentionally altering formulas, cell references or preexisting cell contents. At this time there is no password to lock or unlock, but the SOA may at its sole discretion include a password in the future"]
[]
["Note: All input fields in the User Parameters tab are initially shaded in light orange/salmon color, aka \"Orange, Accent 6, Lighter 80%\" in Excel-speak. Selecting \"User-Defined\" in a field where that option is available will change the shading to a light green for that parameter and the corresponding parameter under \"User-Defined Parameter Inputs\" section of the User Parameters tab."]
["For ease of use and reference, the following instructions are laid out and displayed in the same layout as the structure in the User Parameters tab. "]
["User Parameters"]
[]
["General Parameters",null,"MLR Provisions"]
["  1.       Calculation Target: Select the type of target, i.e., Net Income, Risk Margin or Probability of Ruin, and the target level for the UW Margin Model to solve. For the net income and risk margin options, enter a value as a percentage of premium. For the ruin option, enter the probability of ruin",null,"38.   Include Minimum MLR, Maximum MLR Provisions on Rates: Select \"Yes\" to turn on this option and provide those values in no. 38a and no. 38b."]
["  2.       Average Monthly Enrollment: Enter the estimated average monthly enrollment in the benefit plan for the rate period under consideration",null,"38a.   Minimum MLR: Enter minimum applicable MLR parameter, e.g., 85%. If  both the Risk-Sharing Parameters and the MLR are entered, the Risk-Sharing parameters will be applied first and the Minimum MLR will be applied next."]
["  3.       Months in Rate Period: Enter the number of months in the rate period for the rate period under consideration",null,"38b.   Maximum MLR: Enter maximum applicable MLR parameter"]
["  4.       Member Months: This field is automatically calculated with the preceding two parameters and represents the member months for the rate period"]
["  5a.       UW Margin Curve: Include Pandemic Period [CY 2020–CY 2022] in Curve Development?: Select whether the Pandemic Period data should be included in the UW Margin curve development in 5.b. below"]
["  5b.       UW Margin Curve: Standard Deviation: Select the desired UW Margin Curve to be used from the available options",null,"Risk Share (RS) Parameters"]
["i.       If selecting  \"User-Defined Curve,\" input the Standard Deviation of your curve in the related field under the User-Defined Parameter Inputs section",null,"39.    Baseline for Risk Share: Select \"No Risk Share,\" \"MLR\" or \"Medical Baseline\" to indicate the type of risk-sharing arrangement between the state and the MCO "]
["ii.       Note: The model also provides the user with the option to calculate the risk margin, probability of ruin and the likelihood of loss for all the curves, the results of which are summarized in a table in the Results Dashboard. However, the detailed analysis provided in the Results Dashboard applies only to the primary curve selected in no. 5b.",null,"40.    MLR Target: Visible only when \"MLR\" is selected for Baseline for Risk Share in no. 39. Enter the Target MLR specified in the Risk Share provisions of the contract."]
["  6.       Claims Expense PMPM: Enter the estimated Claims Expense PMPM for the rate period under consideration",null,"41.    Intervals: Enter the intervals of the corridors for the risk-sharing arrangement"]
["a.       The model will provide a warning to verify your input when you enter a value that is either below $100 PMPM or above $1,000 PMPM. You may override the warning after verification of your input.",null,"42.    MCO Responsibility: Enter the MCO responsibility % for gains and losses at each of the intervals "]
["  7.      Administrative Expenses PMPM: Enter estimated Administrative Expense PMPM for the rate period under consideration. Note that this amount should include the QI Allowance noted separately below."]
[" 8.       QI Allowance PMPM: Enter the amount of Quality Improvement (QI) to be included in rates as PMPM. This is used to calculate the MLR. The Administrative Expense PMPM provided above should also include this QI PMPM."]
["  9.      Withhold %: Enter the withhold amount, stated as a percent of premium"]
["a.       The model will provide a warning to verify your input when you enter a value that is greater than 25%. You may override this warning."]
["10.      Withhold Earned %: Enter the percent (%) of the withhold that is reasonably expected to be earned by the MCO"]
["a.       Suggested default value is 100%"]
["11.   State Premium Tax %: Enter the state premium tax, if any, as a percent of premium for the rate period under consideration"]
[]
["Cost of Capital (COC) Parameters"]
["Parameters for Risk-Based Capital (RBC) Calculation",null,"17. Managed Care Discounts for RBC Calculation"]
["Per the NAIC, \"The RBC requirement is a statutory minimum level of capital ... the company must hold [capital] in proportion to its risk. RBC is intended to be a regulatory standard and not necessarily the full amount of capital that an insurer would need to hold to meet its objectives.\" The Cost of Capital component of the UW Margin is a way to recognize the opportunity cost of the capital requirements maintained by the insurer.",null,"This section develops the Managed Care discount factor used in the NAIC's RBC calculation formula when \"NAIC Filings + User Parameters\" is selected in no. 15. Enter the estimated percent (%) of claims that fall under the referenced payment arrangement."]
["12.   Minimum RBC Target Threshold: Enter the Minimum Risk-Based Capital (RBC) target for the Cost of Capital calculation",null,"17a.   Category 0:  Arrangements not Included in Other Categories: Worksheet-calculated field, based on the inputs for no. 17b through 17e"]
["a.       Note:",null,"17b.   Category 1:  Payments made according to contractual arrangements: Enter the percent of claims paid according to contractual arrangements"]
["i.       Authorized Control Level (ACL) = 100% RBC",null,"17c.   Category 2a/b:  Payments subject to withhold/bonus: Enter the percent of claims paid that are subject to withholds or bonuses"]
["ii.     For states that have adopted the NAIC RBC model act, the minimum RBC ratio requirement is 200%, below which, depending on the RBC level, regulatory interventions by state regulators are automatically triggered; e.g., levels between 200% and 150% RBC, \"Company Action Level\" is triggered wherein the insurer is required to submit a plan of corrective actions to the regulator. Lower levels may trigger increasingly greater interventions by the regulators. Many states, through regulations, effectively require a minimum \"acceptable\" RBC ratio that is higher than 200% RBC. Actuaries should verify with applicable state regulators the specifics of their requirements in that state. ",null,"17d.   Category 3a/b:  Capitated payments to providers/intermediaries: Enter the percent of claims covered by capitation payments"]
["13.   Maximum RBC Target Threshold: Select from the percentile options provided, which is reflective of the NAIC filings examined for this study, or enter the desired Maximum RBC target for the Cost of Capital calculation. The Maximum RBC Target must be higher than the Minimum RBC Target for the model to develop the probability of ruin. If there is no specific maximum RBC target required, consider using the 50th percentile, with a discount of 0%. If a specific target RBC is desired, enter 100% for the discount in no. 14 to set the minimum and the maximum RBC targets to the same value.",null,"17e.   Category 4:  Expenses paid as salary to providers: Enter the percent of claims covered through provider salaries"]
["14.   Discount to apply to RBC between Thresholds: Enter the desired discount to apply to the Cost of Capital calculation for the RBC level between the minimum and maximum target RBCs. The discount provides for the level to which the model will fund above the minimum RBC in calculating the Cost of Capital. To target the model's calculation towards a specific RBC level, set the discount to 100%, which will effectively set the target at the Minimum RBC Target Threshold.",null,"17f.   Composite Managed Care Discount Factor: This is calculated automatically as a weighted average based on the values in no. 17a through 17e."]
["15.   Calculation of Authorized Control Level (ACL) as % of Premium: Select the method with which the ACL is to be determined. \"NAIC Filings + User Parameters\" will incorporate state/MCO-specific information provided by the user, including Claims, Admin and the information in 17a. through 17e., along with NAIC data on risk classes, i.e., H0 through H41 to determine the ACL RBC as a percent of Premium. \"NAIC Filings (Medicaid-Dominant)\"  uses the average aggregate data for health insurers with 50% or more of premiums composed of Medicaid Title XIX for CY 2019 and 2020. \"NAIC Filings (All)\" uses the average aggregate data for all health insurers for CY 2016 through CY 2020.1 For the \"User-Defined\" options, enter the ACL as a % of premium to be used in the COC calculations in the related field under User-Defined Parameter Inputs section."]
["16.   Selection of NAIC Health Insurer Filings for RBC Risk Factors Weights: Select whether to use Medicaid-dominant (as defined above) health insurers or all health insurers as the source for RBC risk factor weights. Medicaid-dominant health insurers tend to exhibit lower H0 Risk–Affiliate (with RBC) Asset Risk than all health insurers, and higher H2-Underwriting Risk than all health insurers. The user/actuary may consider the participating MCO(s) lines of business when selecting this option."]
["17.   Managed Care Discount Factor (applied to Underwriting Risk): Worksheet-calculated field for the Managed Care Discount factor for H2–Underwriting Risk, as calculated in \"Managed Care Discount for RBC Calculation\" section adjusts for the level of risk borne by the MCO(s), in consideration of  MCOs' financial and contractual arrangements with providers and intermediaries. This option is available only when the user selects \"NAIC Filings + User Parameters\" in no. 15 above."]
[]
["Parameters for Weighted Average Cost of Capital (WACC) Calculation"]
["Per Investopedia, \"The weighted average cost of capital (WACC) represents a firm's average cost of capital from all sources, including common stock, preferred stock, bonds, and other forms of debt. The weighted average cost of capital is a common way to determine required rate of return because it expresses, in a single number, the return that both bondholders and shareholders demand in order to provide the company with capital.\""]
["18.   State Corporate Tax Rate: Select the state corporate tax rate from the drop-down list, or select \"User-Defined\" to enter the state corporate tax rate in the User-Defined Parameter Inputs section. Note that the prepopulated rates available in the drop-down list are an estimate and may not be reflective of your case-use needs."]
["19.   Federal Corporate Tax Rate: Enter the corporate tax rate"]
["20a.   Historical Period for Risk-Free Rate of Return: Select 5-year, 3-year, 1-year or 6-month period for the benchmark reference for the Risk-Free rate to be used in the WACC calculation"]
["20b.   Risk-Free Rate of Return: Select the risk-free rate from the drop-down list or select \"User-Defined\" to enter the risk-free rate in the User-Defined Parameter Inputs section"]
["21.   Historical Period for Benchmark Rates of Returns and Betas: Select 10-year, 5-year or 3-year periods for the Beta2 of the benchmark references to be used in the cost of equity calculation. Suggested default is \"10-Year\" time period."]
["22.   Equity Risk Premium: Select the method by which the Equity Risk Premium will be determined. The \"CAPM Calculated\" [Capital Asset Pricing Model] option will use the S&P 500 returns for the time period selected in no. 21, less the Risk-Free rate selected in no. 20b, the result of which will be multiplied by the Beta selected in no. 23. The \"Implied Eq.[uity] Risk Prem.[ium] (Damodaran)\" option will use the equity risk premium developed by Aswath Damodaran, Professor of Finance at the Stern School of Business at New York University.3  A User-Defined option is also available, the value for which must be provided in the User-Defined Parameter Inputs section."]
["23.   Beta of Benchmark Expected Rate of Return: Select the benchmark from which the beta2 value will be used to calculate the Equity Risk Premium and the Cost of Equity for \"CAPM Calculated\" option in no. 22. Choices include S&P 500, select health insurers (top six in market capitalization), utilities and an option for a user-defined beta, the value for which can be entered in the User-Defined Parameter Inputs section."]
["24.   Calculate Cost of Equity on an After-Tax or Pre-Tax Basis: Select After-Tax to calculate the Cost of Equity using the face value of the selected benchmark market risk premium using CAPM, the Implied Risk Premium (Damodaran) or the User-Defined Equity Risk Premium. Select Pre-Tax to further gross-up the calculated Cost of Equity for the Federal corporate tax rate provided in no. 19. Suggested default is \"After-Tax.\""]
["25.   Cost of Equity: This is a calculated field based on the inputs for no. 19 through no. 24",null,"User-Defined Parameter Inputs"]
["26.   Recognize Debt in Calculation of COC: Select Yes/No on whether to recognize debt in the COC calculation. Select \"No\" If cost of debt is recognized in administrative expenses, i.e., interest payments. Suggested default value is \"Yes.\"",null,"In this section, provide the values for the \"User-Defined\" selections in the General Parameters, Cost of Capital and Income Matrix sections. Note that cells in this section that are highlighted in light green indicate that \"User-Defined\" was selected in the corresponding parameter."]
["27.   Interest Rate for Debt: Select the proxy for interest rate on debt from the drop-down list, or select \"User-Defined\" to provide a specific value to use for interest rate for debt in the User-Defined Parameter Inputs section. Suggested default is \"Low-Cost (Proxy: Aaa/AAA Yield).\"",null,"5.     General Parameter: User-Defined Curve (Standard Deviation %): Enter the standard deviation of the underwriting margin curve to be used in the development of the Underwriting Margin, as an alternative to the options offered in the drop-down list"]
["28.   Percent (%) Debt for MCO Debt/Equity Ratio: Input the percent of Surplus (Reserve) financed by Debt for inclusion in the WACC calculation",null,"15.   COC Parameter: Authorized Control Level (ACL) as a % of Premium: Enter the specific ACL ratio as a percent of Premium to be used as an alternative to the options offered in the drop-down list"]
["29.   Weighted Average Cost of Capital % (WACC%): This is a calculated field based on the values in no. 25 through no. 28",null,"18.   COC Parameter: State Corporate Tax Rate: Enter a state corporate tax rate to be used in the COC calculation, as an alternative to the options offered in the drop-down list"]
["30.   Discount to Cost of Capital (Investment Earnings on Reserves): Select the form of discount, if any, to be applied to the Cost of Capital, to recognize potential investment earnings an MCO receives on its existing capital reserves. The options include a user-defined value, which must be provided in the User-Defined Parameter Inputs section.",null,"20.   COC Parameter: Risk-Free Rate of Return: Enter the risk-free rate to be used in the COC calculation, as an alternative to the options offered in the drop-down list"]
["Parameters for Cash Flow",null,"22.   COC Parameter: Beta of Benchmark Rate of Return: Enter the beta factor to be used in the Cost of Equity calculation, as an alternative to the options offered in the drop-down list"]
["This section recognizes the time value of money as it relates to lag in recoupment of withholds by the MCO, delay in premium payments to the MCO, and the claims payment lag from the MCO to the providers",null,"23.   COC Parameter: Equity Risk Premium: Enter the equity risk premium % to be used in the Cost of Equity calculation, as an alternative to the options offered in the drop-down list"]
["31.   Withhold Lag: Number of Months after the Rate Period before the Withhold is Paid Back: Input average number of month(s), as fraction or whole number, after the end of the rate period, before withhold is paid to MCO. Allowed values are 0 to 24.",null,"27.   COC Paramete:- Interest Rate for Debt (%): Enter the interest rate for debt to be used in the calculation of the WACC, as an alternative to the options offered in the drop-down list"]
["32.   Payment Lag: Number of Months before Monthly Premium Paid: Input average number of month(s), as fraction or whole number, before premium is paid to MCO",null,"30.   COC Parameter: Discount to Cost of Capital: Enter the discount rate to be applied to the COC to account for earning on surplus/reserves, as an alternative to the options offered in the drop-down list"]
["33.   Factor to Apply to MCO Revenue Lag: Select the factor with which the MCO is compensated for the revenue lag related to withholds and premiums, which are in effect the financing cost provided to the state by the MCO for the delay in payments. Suggested default is \"Cost of Debt,\" with a user-defined option available for the user to provide a value in the User Defined Parameter Inputs section.",null,"33.   COC Parameter: Factor to Apply to MCO Revenue Lag: Enter a compensation rate to be used in the COC calculation, as an alternative to the options offered in the drop-down list"]
["34.   Claims Lag: Average Claims Payment Lag (in Months): Input average number of month(s), as fraction or whole number, before claims are paid by MCO. Allowed values are 0 to 24. This will be an offset to the MCO revenue Lag applied above.\nEnter 0 to exclude this provision from the Cost of Capital calculation.",null,"36.   Income Matrix: Interest Income on Gains: Enter the interest rate to be used to calculate interest income on gains in the income matrix, as an alternative to the options offered in the drop-down list"]
["35.   Percent (%) of Claims Subject to Claims Payment Lag: Enter percent (%) of the medical component (claims) that is subject to the claims payment lag entered in no. 34. Suggested default is the % of Claims that are neither capitated (Categories 3 a/b in no. 17d) nor paid as salaries (Category 4 in no. 17e) as indicated in the \"17. Managed Care Discount for RBC Calculation\" section.",null,"37.   Income Matrix: Interest Expense on Losses: Enter the interest rate to be used to calculate interest expense on losses in the income matrix, as an alternative to the options offered in the drop-down list"]
[]
["Income Matrix–Interest Income / Interest Expense"]
["36.   Interest Income on Gains: Select the rate of return for the interest income calculation on the probability of gain scenarios in the bin calculation inside the Income Matrix. A user-defined option is available for the user to provide a specific value in the User Defined Parameter Inputs section."]
["37.   Interest Expense on Losses: Select the rate of return on for the interest expense calculation on the probability of loss scenarios in the bin calculation inside the Income Matrix. A user-defined option is available for the user to provide a specific value in the User Defined Parameter Inputs section."]
[]
[]
["1 Source: NAIC. \"Aggregated Health Risk-Based Capital Data (2016–2020),\" https://content.naic.org/sites/default/files/inline-files/2020%20Health%20RBC%20Statistics_as%20of%202020-06-30.pdf"]
["2 The beta (β) of an investment security (i.e., a stock) is a measurement of its volatility of returns relative to the entire market. It is used as a measure of risk and is an integral part of the Capital Asset Pricing Model (CAPM). A company with a higher beta has greater risk and also greater expected returns. From Corporate Finance Institute online,  https://corporatefinanceinstitute.com/resources/knowledge/valuation/what-is-beta-guide/"]
["3 Refer to the report \"Medicaid Managed Care Underwriting Margin Model\" for additional discussion on the subject, from Damodaran online, https://pages.stern.nyu.edu/~adamodar/New_Home_Page/home.htm"]

{"sheet":"Interpretation","index":2,"n_rows":66,"n_cols":1,"rows_kept":66,"cut":false,"hidden":false,"merged":[]}
["Interpretation of Results Dashboard"]
[]
["     Selected Target Table"]
[]
["This table shows which of the three types of targets (Net Income, Risk Margin or Probability of Ruin) was selected on the User Parameter tab. The model determines the risk margin necessary to achieve the target outcome. The table compares the target percentage to the result generated by the model and provides the variance."]
["• In most cases the variance will be zero. This will not typically be true when a Probability of Ruin target is selected. The result will be close to the target, but the actuary may be able to minimize the variance by trying small changes to the risk margin."]
[]
["Note the Risk Margin target type is provided for convenience. A user would select this type to test a known margin amount as opposed to trying to achieve a Net Income target or a Probability of Ruin target."]
[]
["      Probability of Ruin by RBC Level Table"]
[]
["This table show the probability of ruin: the likelihood of spending all of the RBC Reserve on losses, for various RBC levels. The RBC amount is shown as a dollar amount, PMPM and a percent of premium. The value of excess losses is the expected value of net income losses in excess of the RBC level. This value provides the actuary with a best estimate of the amount to maintain  solvency. The last column shows, assuming a loss in excess of the RBC level, the average loss amount ($M) weighted by the relative probability of occurrence."]
[]
["Additional probability of ruin information is also presented in the form of:"]
["• The probability that the RBC equity will fall below the User-Defined Minimum RBC level, as measured from the Implied Target RBC level."]
["• The probability that the RBC equity will fall below 200% of ACL RBC level, triggering regulatory the Company Action Level."]
[]
["      Gain and Loss Distribution Table and Graph"]
[]
["This table shows the likelihood of a gain or a loss for various percentage intervals.  It also totals how often a gain or a loss will occur for all intervals, what the average gain is given that a gain occurs, and what the average loss is given that a loss occurs. The graph below the table depicts the same information."]
[]
["      Underwriting Margin Table"]
[]
["This table provides the user with the basic components of the Underwriting Margin, the Risk Margin and the Cost of Capital as determined by the model."]
[]
["      Underwriting Margin Accounting Table"]
[]
["This table is an accounting of the components of the Underwriting Margin or how the Underwriting Margin is deployed to meet the flow of gains and costs including the Withhold Not Achieved, Net Transfer Payments for Minimum and Maximum MLR provisions, Risk-Sharing Adjustments and the Net Cost of Capital Infusions. Note that these entries may be positive or negative values depending upon the choice of user parameters. The Net Income is the remainder, or balancing item, after the gains and costs are netted against the Underwriting Margin."]
[]
["Cost of Capital Funding as a % of Target RBC Reserves"]
["This ratio reflects the net result of funding the Cost of Capital with the WACC, along with any assumptions on financing costs related to delays in premiums and withhold payments to the MCO, combined with any offsets for delays in claims payment to providers from the MCO. It also includes any assumptions related to discounting the Cost of Capital for any returns the MCO is receiving on their RBC reserves."]
[]
["     Distribution of Net Income and Underwriting Margin Graph"]
[]
["This graph shows the Underwriting Margin, Net Income and Probability of Occurrence for each loss ratio interval. The probabilities are set using a normal curve, which is defined by the mean and the standard deviation.  The mean is the loss ratio based on the user assumptions.  The standard deviation for the normal curve is set by the user’s selection of available curves on the parameter page. The Underwriting Margin is the Cost of Capital and the Risk Margin for each loss ratio interval.  The Net income is also shown for each loss ratio interval."]
[]
["      Premium Development and Cost of Capital Summary Table"]
[]
["This table shows the components used to build the premium. The premium includes the user-provided assumptions for claims, administrative expenses and premium taxes and the model-generated numbers for cost of capital and risk margin. The results are shown as $M (millions), PMPM and percent of premium."]
["This table also shows the Minimum Loss Ratio as per CMS definition."]
[]
["      Income Statement Table"]
[]
["This table shows the revenues, expenses and net income before taxes associated with the user’s capitation product. The Withhold Not Achieved and Net Transfer Payments are considered adjustments to revenue while the Risk-Sharing Adjustments and Cost of Capital Infusions are considered adjustments to expenses."]
[]
["Analysis of Underwriting Margin Curves"]
[]
["This table shows the standard deviation of the curve option, the risk margin, the probability of ruin based on the target RBC, and likelihood of loss for all of the normal curve options. The target type and target amount are documented in the top line of this table. The curve that is highlighted in pink is the curve of the user-selected goal-seek target in no. 1 on the User Parameters tab. Other curve results are shown only when the user selects \"Yes\" to the prompt asking whether the calculation should proceed on the other available curves. The High/Low column identifies which of the curves produces the highest risk margin and which of the curves produces the lowest risk margin."]
["The standard deviations for the underwriting margin curves were determined as follows:"]
["Composite 2013 to 2022 Curve - based on Medicaid MCO NAIC data for CY2013 through CY2022 adjusted to maximize the fit to the data as measured by the R-squared statistic."]
["Composite 2013 to 2019 Curve - based on Medicaid MCO NAIC data for CY2013 through CY2019 adjusted to maximize the fit to the data as measured by the R-squared statistic."]
["Composite 2013 to 2015 Curve - based on Medicaid MCO NAIC data for CY2013 through CY2015 adjusted to maximize the fit to the data as measured by the R-squared statistic."]
["Composite 2016 to 2019 Curve - based on Medicaid MCO NAIC data for CY2016 through CY2019 adjusted to maximize the fit to the data as measured by the R-squared statistic."]
["Composite 2020 to 2022 Curve - based on Medicaid MCO NAIC data for CY2020 through CY2022 adjusted to maximize the fit to the data as measured by the R-squared statistic."]
[]
["MCO Size Curve: Calculated using the formula (standard deviation) = 1.8703 × (member months)-0.0287  This formula was derived by fitting a curve to the fit-adjusted deciles based on size calculated using the Medicaid MCO NAIC data for CY 2013 to CY 2022. The size deciles were determined using each MCO member month count."]
["MCO Size Curve: Calculated using the formula (standard deviation) = 1.786 × (member months) -0.-0284  This formula was derived by fitting a curve to the fit-adjusted deciles based on size calculated using the Medicaid MCO NAIC data for CY 2013 to CY 2019. The size deciles were determined using each MCO member month count."]
["For-Profit Curves: Based on Medicaid for-profit MCO NAIC data for CY 2013 through CY 2019 and for CY 2013 through CY 2022 adjusted to maximize the fit to the data as measured by the R-squared statistic."]
["Not-For-Profit Curves: Based on Medicaid not-for-profit MCO NAIC data for CY 2013 through CY 2019 and for CY 2013 through CY 2022 adjusted to maximize the fit to the data as measured by the R-squared statistic."]
["Expansion Curves: Based on Medicaid MCO NAIC data for MCOs operating in Medicaid Expansion states during CY 2013 through CY 2019 and during CY 2013 through CY 2022 adjusted to maximize the fit to the data as measured by the R-squared statistic."]
["Non-Expansion Curves: Based on Medicaid MCO NAIC data for MCOs operating in Medicaid Non-Expansion states during CY 2013 through CY 2019 and during CY 2013 through CY 2022 adjusted to maximize the fit to the data as measured by the R-squared statistic."]
["User-Defined Curve: Based on user provided value from the User Parameters tab."]
[]
["     Premium Development Chart"]
[]
["This pie chart delineates the components of the premium as a percentage of the total base premium."]

{"sheet":"User Parameters","index":3,"n_rows":51,"n_cols":11,"rows_kept":51,"cut":false,"hidden":false,"merged":[[47,0,47,2],[34,4,34,9],[24,4,24,7],[23,4,23,9],[16,0,16,2],[0,1,0,2],[2,0,2,2],[0,6,0,7],[9,4,9,9],[2,4,2,9]]}
["SOA Underwriting Margin Model: USER PARAMETERS","Calculation Is Required",null,null,null,null,"Worksheet Locked"]
[]
["General Parameters",null,null,null,"MLR Provisions"]
[" 1. Calculation Target","Net Income Before Taxes",0.02,"i","38. Include Minimum MLR, Maximum MLR Provisions on Rates",null,null,null,null,"No","i"]
[" 2. Average Monthly Enrollment",null,125000,"i","38.a. Minimum MLR",null,null,null,null,0.9]
[" 3. Months in Rating Period",null,12,"i","38.b. Maximum MLR",null,null,null,null,2]
[" 4. Member Months",null,{"$f":"C5*C6","v":1500000},"i"]
[" 5a. UW Margin Curve: Include Pandemic Period [CY 2020–CY 2022] in Curve Development?",null,"Yes","i"]
[" 5b. UW Margin Curve: Standard Deviation","Composite 2016 to 2019 Curve",{"$f":"_xlfn.IFNA(IF(UP_Include_Pandemic_YN =\"Yes\",INDEX('Curve Selection Drop Down'!E6:E16,MATCH(UP_Curve_Name,'Curve Selection Drop Down'!C6:C16,0)),INDEX('Curve Selection Drop Down'!E18:E26,MATCH(UP_Curve_Name,'Curve Selection Drop Down'!C18:C26,0))),\"Reselect Curve\")","v":3.5290503251745854E-2},"i"]
[" 6. Claims Expense PMPM",null,550,"i","Risk-Sharing (RS) Parameters"]
[" 7. Administrative Expenses PMPM",null,50,"i","39. Baseline for Risk Share",null,null,null,null,"No Risk Share","i"]
[" 8. QI Allowance PMPM",null,0,"i","40. MLR Target, if applicable:",null,null,null,null,0.85]
[" 9. Withhold %",null,1.4999999999999999E-2,"i","Gain or Loss","Low Loss Ratio ","41. Intervals","High Loss Ratio","42. MCO Responsibility","State Responsibility"]
["10. Withhold Earned %",null,1,"i","Gain",0,{"$f":"H14-F14","v":0.79999999999999993},{"$f":"F15","v":0.79999999999999993},0.9,{"$f":"1-I14","v":9.9999999999999978E-2}]
["11. State Premium Tax %",null,0.01,"i","Gain",{"$f":"+H15-G15","v":0.79999999999999993},0.03,{"$f":"F16","v":0.83},0.75,0.25]
[null,null,null,null,"Gain",{"$f":"+H16-G16","v":0.83},0.02,{"$f":"IF(UP_RSBasis=\"Medical Baseline\",100%,J12)","v":0.85},1,0]
["Cost of Capital (COC) Parameters",null,null,"i","Loss",{"$f":"H16","v":0.85},0.02,{"$f":"G17+F17","v":0.87},1,0]
["Parameters for Risk-Based Capital (RBC) Calculation",null,null,null,"Loss",{"$f":"H17","v":0.87},0.03,{"$f":"F18+G18","v":0.9},0.25,0.75]
["12. Minimum RBC Target Threshold",null,2.5,"i","Loss",{"$f":"H18","v":0.9},{"$f":"H19-F19","v":1.1000000000000001},2,0.1,0.9]
["13. Maximum RBC Target Threshold","User-Defined",{"$f":"VLOOKUP(B20,'Drop Downs'!A7:B10,2,FALSE)","v":4.5},"i"]
["14. Discount to Apply to Equity between RBC Thresholds",null,0,"i"]
["15. Calculation of Authorized Control Level as % of Premium","NAIC Filings (Medicaid-Dominant)",{"$f":"VLOOKUP(UP_COC_Selection_H0,'Drop Downs'!A91:B94,2,FALSE)","v":3.2191571853645122E-2},"i"]
["16. Selection of NAIC Health Insurer Filings for RBC Risk Factors Weights",null,"Medicaid-Dominant","i"]
["17. Managed Care Discount Factor (applied to Underwriting Risk)",null,{"$f":"J31","v":0.23549999999999999},"i","17. Managed Care Discount for RBC Calculation"]
["Parameters for Weighted Average Cost of Capital (WACC) Calculation",null,null,null,"Categories",null,null,null,"% of Claims","Discount","i"]
["18. State Corporate Tax Rate","New Mexico",{"$f":"VLOOKUP(B26,'Tax Rates'!G8:H59,2,FALSE)","v":5.8999999999999997E-2},"i","17a. Category 0:  Arrangements not included in other categories",null,null,null,{"$f":"1-SUM(I27:I30)","v":3.0000000000000027E-2},0]
["19. Federal Corporate Tax Rate",null,0.21,"i","17b. Category 1:  Payments made according to contractual arrangements",null,null,null,0.75,0.15]
["20a. Historical Period for Risk-Free Rate of Return",null,"1-Year","i","17c. Category 2a/b:  Payments subject to withhold/bonus",null,null,null,0.02,0.15]
["20b. Risk-Free Rate of Return","10-Yr Treasury",{"$f":"VLOOKUP(B29,'Drop Downs'!A20:B23,2,FALSE)","v":3.9699999999999999E-2},"i","17d. Category 3a/b:  Capitated payments to providers/intermediaries",null,null,null,0.2,0.6]
["21. Historical Period for Benchmark Rates of Returns and Betas",null,"3-Year","i","17e. Category 4:  Expenses paid as salary to providers",null,null,null,0,0.75]
["22.  Equity Risk Premium","Implied Eq. Risk Prem. (Damodaran)",{"$f":"VLOOKUP(B31,'Drop Downs'!A34:B36,2,FALSE)","v":4.9000000000000002E-2},"i","17f. Composite Managed Care Discount Factor",null,null,null,null,{"$f":"SUMPRODUCT(J26:J30,I26:I30)","v":0.23549999999999999},"i"]
["---> Expected Market Rate of Return (Informational Only)",null,{"$f":"VLOOKUP(UP_COC_Selection_ExpectedRate,'Drop Downs'!A27:B30,2,0)","v":0.1618},"i"]
["23. Beta of Benchmark Expected Rate of Return","Select Health Insurers",{"$f":"VLOOKUP(B33,'Drop Downs'!A27:C30,3,FALSE)","v":0.53180000000000005},"i"]
["24. Calculate Cost of Equity on an After-Tax or Pre-Tax Basis",null,"After-Tax","i"]
["25. Cost of Equity",null,{"$f":"CostOfEquity","v":8.8700000000000001E-2},"i","User-Defined Parameter Inputs",null,null,null,null,null,"i"]
["26. Recognize Debt in Calculation of WACC",null,"Yes","i","5b. General Parameter: User-Defined Curve (Standard Deviation %) …................................................................",null,null,null,null,2.8750000000000001E-2]
["27. Interest Rate for Debt","Low-Cost (Proxy: Aaa/AAA Yield)",{"$f":"VLOOKUP(B37,'Drop Downs'!A14:B16,2,FALSE)","v":4.8099999999999997E-2},"i","13. COC Parameter: Maximum RBC Target Threshold …................................................................................",null,null,null,null,4.5]
["28. Percent (%) Debt for MCO Debt/Equity Ratio",null,0.2,"i","15. COC Parameter: Authorized Control Level (ACL) as % of Premium ….......................................................",null,null,null,null,0]
["29. Weighted Average Cost of Capital % (WACC %) ",null,{"$f":"(WACC)","v":7.7992220000000015E-2},"i","18. COC Parameter: State Corporate Tax Rate …................................................................................................",null,null,null,null,0]
["30. Discount to Cost of Capital (Investment Earnings on Reserves)","No Discount",{"$f":"VLOOKUP(B40,'Drop Downs'!A47:B50,2,FALSE)","v":0},"i","20b. COC Parameter: Risk-Free Rate of Return ….................................................................................................",null,null,null,null,0]
["Parameters for Cash Flow",null,null,null,"23. COC Parameter: Beta of Benchmark Expected Rate of Return......................................................................",null,null,null,null,1]
["31. Withhold Lag: Number of Months after Rating Period before Withhold Paid",null,6,"i","22. COC Parameter: Equity Risk Premium …........................................................................................................",null,null,null,null,0]
["32. Payment Lag:  Number of Months before Monthly Premium Paid",null,0,"i","27. COC Parameter: Interest Rate for Debt (%) …...............................................................................................",null,null,null,null,0]
["33. Factor to Apply to MCO Revenue Lag","None",{"$f":"VLOOKUP(B44,'Drop Downs'!A39:B42,2,FALSE)","v":0},"i","30. COC Parameter: Discount to Cost of Capital (Investment Earnings on Reserves) …...........................................",null,null,null,null,0]
["34. Claims Lag: Average Claims Payment Lag (in Months)",null,1.5,"i","33. COC Parameter: Factor to Apply to MCO Revenue Lag …..............................................................................",null,null,null,null,0.05]
["35. Percent (%) of Claims Subject to Claims Payment Lag",null,0.25,"i","36. Income Matrix: Interest Income/Interest Expense: Interest Income on Gains ….........................................",null,null,null,null,0]
[null,null,null,null,"37. Income Matrix: Interest Income/Interest Expense: Interest Expense on Losses …......................................",null,null,null,null,0]
["Income Matrix–Interest Income/Interest Expense"]
["Bin Observation of Gain / Loss","Rate Selection","Rate"]
["36. Interest Income on Gains","None",{"$f":"IFERROR(VLOOKUP(B50,'Drop Downs'!$A$74:$B$78,2,FALSE),0)","v":0},"i"]
["37. Interest Expense on Losses","None",{"$f":"IFERROR(VLOOKUP(B51,'Drop Downs'!$A$83:$B$87,2,FALSE),0)","v":0},"i"]

{"sheet":"Results Dashboard","index":4,"n_rows":61,"n_cols":21,"rows_kept":61,"cut":false,"hidden":false,"merged":[[47,14,47,15],[46,14,46,18],[11,14,11,15],[12,14,12,15],[13,14,13,15],[14,14,14,15],[31,0,31,1],[44,0,44,4],[48,0,48,1],[3,0,3,2],[5,0,5,2],[6,0,6,1],[11,4,11,12],[19,0,19,3],[20,0,20,1],[12,0,12,2],[12,4,12,12],[60,0,60,1],[0,4,0,6],[7,14,7,15],[8,14,8,15],[9,14,9,15],[10,14,10,15],[4,4,4,12],[4,14,4,18],[6,14,6,15],[5,4,5,5],[5,14,5,15],[48,3,48,4],[48,5,48,6],[48,7,48,8],[30,0,30,4],[47,0,47,8]]}
["SOA Underwriting Margin Model: RESULTS DASHBOARD",null,null,null,"Calculation Is Required",null,null,"i"]
[]
[]
[{"$f":"\"Results Based on \" & 'User Parameters'!B9","v":"Results Based on Composite 2016 to 2019 Curve"},null,null,"i"]
[null,null,null,null,"Probability of Ruin by RBC Level",null,null,null,null,null,null,null,null,"i","Gain and Loss Distribution",null,null,null,null,"i"]
[{"$f":"\"Selected Target: \"&UP_Target_Type","v":"Selected Target: Net Income Before Taxes"},null,null,"i","RBC Thresholds",null,"RBC %","RBC $M","RBC PMPM","RBC as a % of Premium","Probability of Exceeding the  RBC Threshold","Value of Excess Losses as % of Premium","Given a loss, the average loss ($M) in excess of the  RBC level",null,"Interval",null,"Starting Point","Gain Likelihood","Loss Likelihood"]
["Results",null,{"$f":"IF(UP_Target_Type=\"Probability of Ruin\",\"Probability\",\" % of Premium\")","v":" % of Premium"},null,"Authorized Control Level (ACL)",null,1,{"$f":"I7*'User Parameters'!$C$7","v":30634601.97072288},{"$f":"ACL","v":20.423067980481921},{"$f":"I7/$R$50","v":3.2191571853645122E-2},{"$f":"SUMIF('Net Income Matrix'!$AA$8:$AA$168,\"<= \" & -J7,'Net Income Matrix'!$AD$8:$AD$168)","v":1.6784228434145888E-2},{"$f":"-'Net Income Matrix'!AF5","v":2.3293789977818383E-4},{"$f":"IF(K7=0,0,L7*UP_Enrollment*12*'Results Dashboard'!$R$50/K7)","v":13207141.559675431},"i","0 –2%",null,0,{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">=\" & Q7)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">\" &Q8)","v":0.15693782924555577},{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<=\" & -Q7)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<\" & -Q8)","v":8.3963697694235645E-2}]
["Target",null,{"$f":"'User Parameters'!C4","v":0.02},null,"200% of ACL",null,2,{"$f":"I8*'User Parameters'!$C$7","v":61269203.94144576},{"$f":"G8*I7","v":40.846135960963842},{"$f":"I8/$R$50","v":6.4383143707290244E-2},{"$f":"SUMIF('Net Income Matrix'!$AA$8:$AA$168,\"<= \" & -J8,'Net Income Matrix'!$AD$8:$AD$168)","v":1.4634883213441204E-3},{"$f":"-'Net Income Matrix'!AG5","v":1.3321909506584009E-5},{"$f":"IF(K8=0,0,L8*UP_Enrollment*12*'Results Dashboard'!$R$50/K8)","v":8662580.3740856554},null,"2–4%",null,0.02,{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">=\" & Q8)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">\" &Q9)","v":0.71454938287656511},{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<=\" & -Q8)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<\" & -Q9)","v":3.2850886361290854E-2}]
["Calculated",null,{"$f":"IF(UP_Target_Type=\"Risk Margin\",'Results Dashboard'!E36,IF(UP_Target_Type=\"Net Income Before Taxes\",'Results Dashboard'!S61,'Results Dashboard'!K11))","v":1.4335229662911097E-2},null,"Minimum RBC Selected",null,{"$f":"UP_COC_RBCMinimum","v":2.5},{"$f":"I9*'User Parameters'!$C$7","v":76586504.926807195},{"$f":"G9*I7","v":51.057669951204801},{"$f":"I9/$R$50","v":8.0478929634112795E-2},{"$f":"SUMIF('Net Income Matrix'!$AA$8:$AA$168,\"<= \" & -J9,'Net Income Matrix'!$AD$8:$AD$168)","v":3.3650043326814206E-4},{"$f":"-'Net Income Matrix'!AH5","v":2.3736325793204098E-6},{"$f":"IF(K9=0,0,L9*UP_Enrollment*12*'Results Dashboard'!$R$50/K9)","v":6712710.6210005144},null,"4–6%",null,0.04,{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">=\" & Q9)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">\" &Q10)","v":0},{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<=\" & -Q9)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<\" & -Q10)","v":9.3970279357355052E-3}]
["Variance",null,{"$f":"C8-C9","v":5.6647703370889032E-3},null,"Maximum RBC Selected",null,{"$f":"UP_COC_RBCMaximum","v":4.5},{"$f":"I10*'User Parameters'!$C$7","v":137855708.86825296},{"$f":"G10*I7","v":91.90380591216865},{"$f":"I10/$R$50","v":0.14486207334140305},{"$f":"SUMIF('Net Income Matrix'!$AA$8:$AA$168,\"<= \" & -J10,'Net Income Matrix'!$AD$8:$AD$168)","v":7.9335113094811788E-8},{"$f":"-'Net Income Matrix'!AJ5","v":3.9745314671061804E-10},{"$f":"IF(K10=0,0,L10*UP_Enrollment*12*'Results Dashboard'!$R$50/K10)","v":4767498.3736719033},null,"6–8%",null,0.06,{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">=\" & Q10)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">\" &Q11)","v":0},{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<=\" & -Q10)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<\" & -Q11)","v":1.9646754533491411E-3}]
[null,null,null,null,{"$f":"\"Implied Target RBC (incl. \"&(UP_COC_RBCThresholdDiscount*100&\"% Disc.)\")","v":"Implied Target RBC (incl. 0% Disc.)"},null,{"$f":"(UP_COC_RBCMaximum-UP_COC_RBCMinimum)* (1-UP_COC_RBCThresholdDiscount)+UP_COC_RBCMinimum","v":4.5},{"$f":"I11*'User Parameters'!$C$7","v":137855708.86825296},{"$f":"G11*I7","v":91.90380591216865},{"$f":"I11/$R$50","v":0.14486207334140305},{"$f":"SUMIF('Net Income Matrix'!$AA$8:$AA$168,\"<= \" & -J11,'Net Income Matrix'!$AD$8:$AD$168)","v":7.9335113094811788E-8},{"$f":"-'Net Income Matrix'!AI5","v":3.9745314671061804E-10},{"$f":"IF(K11=0,0,L11*UP_Enrollment*12*'Results Dashboard'!$R$50/K11)","v":4767498.3736719033},null,"8–10%",null,0.08,{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">=\" & Q11)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">\" &Q12)","v":0},{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<=\" & -Q11)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<\" & -Q12)","v":3.0012006624031539E-4}]
[null,null,null,null,{"$f":"\"• Given the Implied Target RBC level of \"&ROUND((G11*100),0)&\"% of ACL, the probability that the RBC equity will be reduced below the selected minimum RBC of \"&UP_COC_RBCMinimum*100&\"% of ACL is \"&ROUND((SUMIF('Net Income Matrix'!$AA$8:$AA$168,\"<= \" & -(J11-J9),'Net Income Matrix'!$AD$8:$AD$168)*100),3)&\"%\"","v":"• Given the Implied Target RBC level of 450% of ACL, the probability that the RBC equity will be reduced below the selected minimum RBC of 250% of ACL is 0.146%"},null,null,null,null,null,null,null,null,"i","10–12%",null,0.1,{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">=\" & Q12)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">\" &Q13)","v":0},{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<=\" & -Q12)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<\" & -Q13)","v":3.3483740187441746E-5}]
["Underwriting Margin",null,null,null,{"$f":"\"• Given the Implied Target RBC level of \"&ROUND((G11*100),0)&\"% of ACL, the probability that the RBC equity will be reduced below the 200% of ACL level is \"&ROUND((SUMIF('Net Income Matrix'!$AA$8:$AA$168,\"<= \" & -(J11-J8),'Net Income Matrix'!$AD$8:$AD$168)*100),3)&\"%\"","v":"• Given the Implied Target RBC level of 450% of ACL, the probability that the RBC equity will be reduced below the 200% of ACL level is 0.034%"},null,null,null,null,null,null,null,null,null,"12–14%",null,0.12,{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">=\" & Q13)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">\" &Q14)","v":0},{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<=\" & -Q13)-SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<\" & -Q14)","v":2.7272681358078457E-6}]
["Components","PMPM","% of Premium",null,null,null,null,null,null,null,null,null,null,null,"14% or More",null,0.14000000000000001,{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\">=\" & Q14)","v":0},{"$f":"SUMIFS('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,\"<=\" & -Q14)","v":1.6935870457706958E-7}]
["Risk Margin",{"$f":"C15*'Results Dashboard'!D43","v":20.942643761588712},{"$f":"Macro_Risk_Margin","v":3.301054582498468E-2},null,null,null,null,null,null,null,null,null,null,null,"Total Likelihood",null,null,{"$f":"SUM(R7:R14)","v":0.87148721212212088},{"$f":"SUM(S7:S14)","v":0.12851278787787929}]
["Cost of Capital",{"$f":"C16*'Results Dashboard'!D43","v":7.135953723475656},{"$f":"'Macro Populated Cells'!F11","v":1.1247946060459247E-2},null,null,null,null,null,null,null,null,null,null,"i","Expected Gain/Loss, Given a Gain or a Loss",null,null,{"$f":"IF(R15=0,0,SUMPRODUCT('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,--('Net Income Matrix'!$AA$8:$AA$168>=0))/R15)","v":1.8803887772523856E-2},{"$f":"IF(S15=0,0,SUMPRODUCT('Net Income Matrix'!$AD$8:$AD$168,'Net Income Matrix'!$AA$8:$AA$168,--('Net Income Matrix'!$AA$8:$AA$168<0))/S15)","v":-1.5968201319959088E-2}]
["UW Margin",{"$f":"B15+B16","v":28.078597485064368},{"$f":"Dash_Risk_Margin+C16","v":4.4258491885443924E-2},null,null,null,null,null,null,null,null,null,null,null,"Net Income before Taxes",null,null,null,{"$f":"R16*R15+S15*S16","v":1.4335229662910877E-2}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"i"]
["Underwriting Margin Accounting",null,null,null,"i"]
["Components",null,"PMPM","% of Premium"]
["UW Margin",null,{"$f":"B17","v":28.078597485064368},{"$f":"C17","v":4.4258491885443924E-2}]
["Withhold Not Achieved",null,{"$f":"D23*'Results Dashboard'!$D$43","v":0},{"$f":"-'Net Income Matrix'!Z5","v":0}]
["Net Transfer Payments (Min/Max MLR)",null,{"$f":"D24*'Results Dashboard'!$D$43","v":-18.984000574652732},{"$f":"-'Net Income Matrix'!W5","v":-2.9923262222532786E-2}]
["Risk-Sharing Adjustments",null,{"$f":"D25*'Results Dashboard'!$D$43","v":0},{"$f":"-'Net Income Matrix'!S5/'Net Income Matrix'!B5","v":0}]
["Net Cost of Capital Infusions",null,{"$f":"D26*'Results Dashboard'!$D$43","v":0},{"$f":"'Net Income Matrix'!Y5","v":0}]
["Net Income before Taxes",null,{"$f":"D27*'Results Dashboard'!$D$43","v":9.0945969104116351},{"$f":"D22+SUM(D23:D26)","v":1.4335229662911137E-2}]
[]
["Cost of Capital Funding as a % of Target RBC Reserves",null,null,{"$f":"B16/I11","v":7.7645900000000004E-2},"i"]
[]
["Premium Development and Cost of Capital Detail",null,null,null,null,"i"]
["Premium Component",null,"$ millions [M]","PMPM","% of Premium"]
["Claims Expense",null,{"$f":"D33*'User Parameters'!$C$7","v":825000000},{"$f":"'User Parameters'!C10","v":550},{"$f":"D33/D43","v":0.86692971577167632}]
["Admin Expense",null,{"$f":"D34*'User Parameters'!$C$7","v":75000000},{"$f":"'User Parameters'!C11","v":50},{"$f":"D34/D43","v":7.8811792342879675E-2}]
["Premium Tax",null,{"$f":"D35*'User Parameters'!$C$7","v":9516342.3861373402},{"$f":"E35*D43","v":6.3442282574248932},{"$f":"'User Parameters'!C15","v":0.01}]
["Risk Margin",null,{"$f":"D36*'User Parameters'!$C$7","v":31413965.642383069},{"$f":"E36*D43","v":20.942643761588712},{"$f":"'Macro Populated Cells'!F12","v":3.301054582498468E-2}]
["Cost of Capital"]
["Cost of RBC Target",null,{"$f":"D38*'User Parameters'!$C$7","v":10751672.774308739},{"$f":"E38*$D$43","v":7.1677818495391596},{"$f":"'COC Calculation'!C86","v":1.1298114693698845E-2}]
["Withholds Payment Delay",null,{"$f":"D39*'User Parameters'!$C$7","v":0},{"$f":"E39*$D$43","v":0},{"$f":"'COC Calculation'!C99","v":0}]
["Premium Payment Delay",null,{"$f":"D40*'User Parameters'!$C$7","v":0},{"$f":"E40*$D$43","v":0},{"$f":"'COC Calculation'!C105","v":0}]
["Claims Lag",null,{"$f":"D41*'User Parameters'!$C$7","v":0},{"$f":"E41*$D$43","v":0},{"$f":"COC_Cost_Claim_Delay","v":0}]
["Subtotal Cost of Capital",null,{"$f":"D42*'User Parameters'!$C$7","v":10751672.774308739},{"$f":"SUM(D38:D41)","v":7.1677818495391596},{"$f":"C42/'Results Dashboard'!$Q$50","v":1.1298114693698845E-2}]
["Base Premium",null,0,{"$f":"SUM(D33:D34)/(1-'Macro Populated Cells'!F13-'User Parameters'!C15)","v":634.42282574248929},{"$f":"D43/D43","v":1}]
["Minimum Loss Ratio: CMS Definition",null,null,null,{"$f":"'Net Income Matrix'!I5","v":0.87568658158755264}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income Statement",null,null,null,null,null,"i"]
[{"$f":"\"Analysis of Underwriting Margin Curves        \"&\" \"&A6&\" = \"&Dash_Target*100&\"% of Premium\"","v":"Analysis of Underwriting Margin Curves         Selected Target: Net Income Before Taxes = 2% of Premium"},null,null,null,null,null,null,null,null,"i",null,null,null,null,"Statement Entries",null,"$M","PMPM","% of Premium"]
["UW Margin Curve Name",null,"Std. Deviation","Risk Margin",null,"Probability of Ruin",null,"Likelihood of Loss",null,null,null,null,null,null,"Revenue"]
["Composite 2013 to 2022 Curve",null,3.6157817692235202E-2,9.999389648437499E-3,"Low",2.5174470245714712E-6,"",0.29008694866924578,"",null,null,null,null,null,"Premium (Incl. UW Margin)",null,{"$f":"R50*'User Parameters'!$C$7","v":951634238.61373389},{"$f":"'Results Dashboard'!D43","v":634.42282574248929},{"$f":"R50/'Results Dashboard'!$D$43","v":1}]
["Composite 2013 to 2019 Curve",null,3.7144889249174973E-2,9.999389648437499E-3,"Low",4.454988633962101E-6,"",0.29513939178846954,"",null,null,null,null,null,"Withhold Unachieved",null,{"$f":"R51*'User Parameters'!$C$7","v":0},{"$f":"S51*$R$50","v":0},{"$f":"D23","v":0}]
["Composite 2013 to 2015 Curve",null,3.8920096212363517E-2,9.999389648437499E-3,"Low",1.1203150610040934E-5,"",0.30367027247816308,"",null,null,null,null,null,"Net Transfer Payments",null,{"$f":"R52*'User Parameters'!$C$7","v":-28476000.861979097},{"$f":"S52*$R$50","v":-18.984000574652732},{"$f":"D24","v":-2.9923262222532786E-2}]
["Composite 2016 to 2019 Curve",null,3.5290503251745854E-2,9.999389648437499E-3,"Low",1.466342828126833E-6,"",0.28545061712343617,"",null,null,null,null,null,"Total Revenue",null,{"$f":"R53*'User Parameters'!$C$7","v":923158237.75175476},{"$f":"SUM(R50:R52)","v":615.43882516783651},{"$f":"SUM(S50:S52)","v":0.97007673777746717}]
["Composite 2020 to 2022 Curve",null,3.227450790092197E-2,9.999389648437499E-3,"Low",1.5905075896779616E-7,"",0.26773288655532035,"",null,null,null,null,null,"Expenses"]
["MCO Size Curve",null,3.1577161079253638E-2,9.999389648437499E-3,"Low",2.903032437785975E-16,"Low",0.16023023532934128,"Low",null,null,null,null,null,"Claims",null,{"$f":"R55*'User Parameters'!$C$7","v":825000000},{"$f":"'User Parameters'!C10","v":550},{"$f":"R55/'Results Dashboard'!$D$43","v":0.86692971577167632}]
["For-Profit Curve",null,3.7489187153317727E-2,9.999389648437499E-3,"Low",5.3809783047198889E-6,"",0.29684819833350923,"",null,null,null,null,null,"Administration",null,{"$f":"R56*'User Parameters'!$C$7","v":75000000},{"$f":"'User Parameters'!C11","v":50},{"$f":"R56/'Results Dashboard'!$D$43","v":7.8811792342879675E-2}]
["Not-For-Profit Curve",null,3.2535744820542931E-2,9.999389648437499E-3,"Low",1.9750654024852772E-7,"",0.26937361147351246,"",null,null,null,null,null,"Premium Tax",null,{"$f":"R57*'User Parameters'!$C$7","v":9516342.3861373402},{"$f":"'Results Dashboard'!D43*'User Parameters'!C15","v":6.3442282574248932},{"$f":"R57/'Results Dashboard'!$D$43","v":0.01}]
["Expansion Curve",null,3.4606301192357497E-2,9.999389648437499E-3,"Low",9.3069840594029612E-7,"",0.28165588170512024,"",null,null,null,null,null,"Risk-Sharing Adjustments",null,{"$f":"R58*'User Parameters'!$C$7","v":0},{"$f":"S58*$R$50","v":0},{"$f":"-D25","v":0}]
["Non-Expansion Curve",null,4.0199431470060817E-2,9.999389648437499E-3,"Low",2.0256388919804823E-5,"High",0.30941138681631442,"High",null,null,null,null,null,"Net Cost of Capital Infusions",null,{"$f":"R59*'User Parameters'!$C$7","v":0},{"$f":"S59*$R$50","v":0},{"$f":"-D26","v":0}]
["User-Defined Curve",null,2.8750000000000001E-2,9.999389648437499E-3,"Low",4.758195781774995E-9,"",0.2433233417830134,"",null,null,null,null,null,"Total Expenses",null,{"$f":"R60*'User Parameters'!$C$7","v":909516342.38613737},{"$f":"SUM(R55:R59)","v":606.3442282574249},{"$f":"R60/'Results Dashboard'!$D$43","v":0.95574150811455605}]
["Include Pandemic Years in Curve?",null,{"$f":"'User Parameters'!C8","v":"Yes"},null,null,null,null,null,null,null,null,null,null,null,"Net Income before Taxes",null,{"$f":"R61*'User Parameters'!$C$7","v":13641895.365617415},{"$f":"R53-R60","v":9.0945969104116102},{"$f":"R61/'Results Dashboard'!$D$43","v":1.4335229662911097E-2}]

{"sheet":"Graphs","index":5,"n_rows":54,"n_cols":9,"rows_kept":54,"cut":false,"hidden":false,"merged":[[19,1,19,4],[4,1,4,4],[44,1,44,4],[45,1,45,2],[46,1,46,2],[49,1,49,2],[48,1,48,2],[50,1,50,2],[51,1,51,2],[20,1,20,2],[47,1,47,2]]}
[]
[]
[]
[]
[null,"Probability of Ruin by Risk-Based Capital (RBC) Level"]
[null,"RBC Thresholds","RBC %","RBC as a % of Premium","Probability > RBC"]
[null,{"$f":"'Results Dashboard'!E7","v":"Authorized Control Level (ACL)"},{"$f":"'Results Dashboard'!G7","v":1},{"$f":"'Results Dashboard'!J7","v":3.2191571853645122E-2},{"$f":"'Results Dashboard'!K7","v":1.6784228434145888E-2}]
[null,{"$f":"'Results Dashboard'!E8","v":"200% of ACL"},{"$f":"'Results Dashboard'!G8","v":2},{"$f":"'Results Dashboard'!J8","v":6.4383143707290244E-2},{"$f":"'Results Dashboard'!K8","v":1.4634883213441204E-3}]
[null,{"$f":"'Results Dashboard'!E9","v":"Minimum RBC Selected"},{"$f":"'Results Dashboard'!G9","v":2.5},{"$f":"'Results Dashboard'!J9","v":8.0478929634112795E-2},{"$f":"'Results Dashboard'!K9","v":3.3650043326814206E-4}]
[null,{"$f":"'Results Dashboard'!E11","v":"Implied Target RBC (incl. 0% Disc.)"},{"$f":"'Results Dashboard'!G11","v":4.5},{"$f":"'Results Dashboard'!J11","v":0.14486207334140305},{"$f":"'Results Dashboard'!K11","v":7.9335113094811788E-8}]
[null,{"$f":"'Results Dashboard'!E10","v":"Maximum RBC Selected"},{"$f":"'Results Dashboard'!G10","v":4.5},{"$f":"'Results Dashboard'!J10","v":0.14486207334140305},{"$f":"'Results Dashboard'!K10","v":7.9335113094811788E-8}]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Income Statement",null,null,null,null,null,{"$f":"B23","v":"Premium"},{"$f":"D23","v":951634238.61373389}]
[null,"Statement Entries",null,"$ millions (M)","% of Premium",null,null,{"$f":"B24","v":"Withhold Unachieved"},{"$f":"D24","v":0}]
[null,"Revenue",null,null,null,null,null,{"$f":"B25","v":"Net Transfer Payments"},{"$f":"D25","v":-28476000.861979097}]
[null,"Premium",null,{"$f":"'Results Dashboard'!Q50","v":951634238.61373389},{"$f":"D23/$D$23","v":1}]
[null,"Withhold Unachieved",null,{"$f":"'Results Dashboard'!Q51","v":0},{"$f":"D24/$D$23","v":0}]
[null,"Net Transfer Payments",null,{"$f":"'Results Dashboard'!Q52","v":-28476000.861979097},{"$f":"D25/$D$23","v":-2.992326222253279E-2},null,null,{"$f":"B28","v":"Claims"},{"$f":"D28*-1","v":-825000000}]
[null,"Total Revenue",null,{"$f":"SUM(D23:D25)","v":923158237.75175476},{"$f":"D26/$D$23","v":0.97007673777746717},null,null,{"$f":"B29","v":"Administration"},{"$f":"D29*-1","v":-75000000}]
[null,"Expenses",null,null,null,null,null,{"$f":"B30","v":"Premium Tax"},{"$f":"D30*-1","v":-9516342.3861373402}]
[null,"Claims",null,{"$f":"'Results Dashboard'!Q55","v":825000000},{"$f":"D28/$D$23","v":0.86692971577167643},null,null,{"$f":"B31","v":"Risk-Sharing Adjustments"},{"$f":"D31*-1","v":0}]
[null,"Administration",null,{"$f":"'Results Dashboard'!Q56","v":75000000},7.8811792342879675E-2,null,null,{"$f":"B32","v":"Cost of Capital Infusions"},{"$f":"D32*-1","v":0}]
[null,"Premium Tax",null,{"$f":"'Results Dashboard'!Q57","v":9516342.3861373402},1.0000000000000002E-2]
[null,"Risk-Sharing Adjustments",null,{"$f":"'Results Dashboard'!Q58","v":0},0,null,null,{"$f":"B34","v":"Net Income before Taxes"},{"$f":"D34","v":13641895.365617415}]
[null,"Cost of Capital Infusions",null,{"$f":"'Results Dashboard'!Q59","v":0},0]
[null,"Total Expenses",null,{"$f":"'Results Dashboard'!Q60","v":909516342.38613737},0.95574150811455605]
[null,"Net Income before Taxes",null,{"$f":"'Results Dashboard'!Q61","v":13641895.365617415},1.4335229662911097E-2]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Premium Development"]
[null,"Premium Component",null,"PMPM","% of Premium"]
[null,"Claims Expense",null,{"$f":"'Results Dashboard'!D33","v":550},{"$f":"D47/$D$52","v":0.86688622527458015}]
[null,"Admin Expense",null,{"$f":"'Results Dashboard'!D34","v":50},{"$f":"D48/$D$52","v":7.8807838661325472E-2}]
[null,"Premium Tax",null,{"$f":"'Results Dashboard'!D35","v":6.3442282574248932},{"$f":"D49/$D$52","v":9.9994983388352592E-3}]
[null,"Risk Margin",null,{"$f":"'Results Dashboard'!D36","v":20.942643761588712},{"$f":"D50/$D$52","v":3.3008889814097948E-2}]
[null,"Cost of Capital",null,{"$f":"'Results Dashboard'!D42","v":7.1677818495391596},{"$f":"D51/$D$52","v":1.1297547911161183E-2}]
[null,"Base Premium",null,{"$f":"SUM(D47:D51)","v":634.45465386855278},{"$f":"SUM(E47:E51)","v":1}]
[null,"Underwriting Margin (before taxes)",null,{"$f":"D52-D47-D48-D49","v":28.110425611127887},{"$f":"D53/$D$52","v":4.4306437725259155E-2}]
[null,"Required Capital (200% ACL RBC)",null,{"$f":"'Results Dashboard'!I8","v":40.846135960963842},{"$f":"D54/$D$52","v":6.4379913855004051E-2}]

{"sheet":"COC Calculation","index":6,"n_rows":115,"n_cols":44,"rows_kept":115,"cut":false,"hidden":false,"merged":[[0,0,0,5],[45,0,45,5],[70,0,70,5],[80,0,80,5],[86,0,86,5],[1,0,1,5],[112,0,112,5],[8,0,8,5],[12,0,12,5],[20,0,20,5],[28,0,28,5],[48,0,48,5],[53,0,53,5],[66,0,66,5],[87,0,87,5],[99,0,99,5],[105,0,105,5],[11,0,11,5],[39,0,39,5],[42,0,42,5]]}
["Cost of Capital Calculation"]
["Shared Inputs:"]
["Member Months",null,{"$f":"UP_Enrollment*UP_MonthsInRatingPeriod","v":1500000},null,{"$f":"_xlfn.FORMULATEXT(C3)","v":"=UP_Enrollment*UP_MonthsInRatingPeriod"},"user parameter: Average Monthly Enrollment × Months in Rating Period"]
["Base Medical PMPM",null,{"$f":"UP_Medical_PMPM","v":550},null,"=UP_Medical_PMPM","user parameter: Medical Component PMPM"]
["Base Administrative PMPM",null,{"$f":"UP_Administrative_PMPM","v":50},null,"=UP_Administrative_PMPM","user parameter: Administrative Component PMPM (excl. UW margin or taxes)"]
["Base Premium PMPM (before taxes)",null,{"$f":"Results_Premium","v":634.42282574248929},null,"=Results_Premium","calculated: Base PMPM"]
["Gross Claims",null,{"$f":"C3*C4","v":825000000},null,{"$f":"_xlfn.FORMULATEXT(C7)","v":"=C3*C4"}]
["Gross Premium",null,{"$f":"C3*C6","v":951634238.61373389},null,{"$f":"_xlfn.FORMULATEXT(C8)","v":"=C3*C6"}]
["Step 1. Determine Authorized Control Level"]
["ACL Determination Methodology",null,{"$f":"UP_COC_Selection_H0","v":"NAIC Filings (Medicaid-Dominant)"},null,null,"user input"]
["Selection Criteria for Weights Risk Factors",null,{"$f":"UP_COC_Selection_H4","v":"Medicaid-Dominant"},null,null,"user input"]
["Step 1.a. - If ACL Determination Methodology = \"NAIC Filings + User Parameters\""]
["Step 1.a.1. Calculate H2–Underwriting Risk"]
["Calculate Underwriting Risk Factor:"]
["Claims under $25,000,000",null,0.14929999999999999,null,null,"Source: NAIC Capital Adequacy Task Force, Adopted 6/30/2021"]
["Claims over $25,000,000",null,8.9300000000000004E-2,null,null,"Source: NAIC Capital Adequacy Task Force, Adopted 6/30/2021"]
["Composite UW RBC Factor",null,{"$f":"(MIN(25000000,C$8)*C15+MAX(0,C$8-25000000)*C16)/C$8","v":9.0876235846857598E-2},null,{"$f":"_xlfn.FORMULATEXT(C17)","v":"=(MIN(25000000,C$8)*C15+MAX(0,C$8-25000000)*C16)/C$8"},"Line 10.3 from RBC Model"]
["Managed Care Discount Factor",null,{"$f":"1-UP_COC_ManagedCareDiscount","v":0.76449999999999996},null,{"$f":"_xlfn.FORMULATEXT(C18)","v":"=1-UP_COC_ManagedCareDiscount"},"user input: calculated \"Managed Care Discount Factor\""]
["Base Underwriting RBC Factor after Managed Care Discount",null,{"$f":"C17*C18","v":6.9474882304922631E-2},null,{"$f":"_xlfn.FORMULATEXT(C19)","v":"=C17*C18"}]
["H2–Underwriting Risk",null,{"$f":"C4*C19","v":38.211185267707449},null,{"$f":"_xlfn.FORMULATEXT(C20)","v":"=C4*C19"}]
["Step 1.a.2. Calculate H4–Business Risk"]
["Calculate Business Risk Factor:"]
["Premiums under $25,000,000",null,7.0000000000000007E-2]
["Premiums over $25,000,000",null,0.04]
["Composite Business Risk Factor",null,{"$f":"(MIN(25000000,C$8)*C23+MAX(0,C$8-25000000)*C24)/C$8","v":4.0788117923428797E-2},null,{"$f":"_xlfn.FORMULATEXT(C25)","v":"=(MIN(25000000,C$8)*C23+MAX(0,C$8-25000000)*C24)/C$8"}]
["\"Calculated\" H4–Business Risk",null,{"$f":"C5*C25","v":2.0394058961714401},null,{"$f":"_xlfn.FORMULATEXT(C26)","v":"=C5*C25"},"calculated using user-provided administrative PMPM"]
["\"Imputed\" H4–Business Risk",null,{"$f":"_H2*'RBC Weights'!B10","v":2.8322730362440911},null,{"$f":"_xlfn.FORMULATEXT(C27)","v":"=_H2*'RBC Weights'!B10"},"average weight of H4 relative to H2"]
["Average H4–Business Risk",null,{"$f":"AVERAGE(C26:C27)","v":2.4358394662077654}]
["Step 1.a.3. Calculate Authorized Control Level"]
["Authorized Control Level for Risk-Based Capital Before Basic Operational Risk ="]
["H0: Asset Risk–Affiliates with RBC",null,{"$f":"_H2*'RBC Weights'!B6","v":0.96815535805747988},null,{"$f":"_xlfn.FORMULATEXT(C31)","v":"=_H2*'RBC Weights'!B6"},"average weight of H0 relative to H2"]
["H1: Asset Risk–Other",null,{"$f":"_H2*'RBC Weights'!B7","v":3.2453503499070613},null,"=_H2*'RBC Weights'!B7","average weight of H1 relative to H2"]
["H2: Underwriting Risk",null,{"$f":"_H2","v":38.211185267707449},null,"=_H2"]
["H3: Credit Risk",null,{"$f":"_H2*'RBC Weights'!B9","v":2.0641522063771918},null,"=_H2*'RBC Weights'!B9","average weight of H3 relative to H2"]
["H4: Business Risk",null,{"$f":"_H4_Average","v":2.4358394662077654},null,"=_H4_Average","average H4"]
["RBC after Covariance before Basic Operational Risk",null,{"$f":"(_H0+SUM(_H1^2+_H2^2+_H3^2+_H4^2)^(1/2))","v":39.449592658305654},null,"=(_H0+SUM(_H1^2+_H2^2+_H3^2+_H4^2)^(1/2))"]
["Basic Operational Risk",null,0.03]
["Calculated Authorized Control Level RBC",null,{"$f":"(1/2)*(1+RBC_Operational_Risk)*RBC_After_Covariance","v":20.316540219027413},null,{"$f":"_xlfn.FORMULATEXT(C38)","v":"=(1/2)*(1+RBC_Operational_Risk)*RBC_After_Covariance"}]
["Calculated ACL as % of Premium",null,{"$f":"C38/COC_Premium","v":3.2023658977355027E-2},null,"=C38/COC_Premium"]
["Step 1.b. - Alternate ACL (If ACL Determination Methodology <> \"NAIC Filings + User Parameters\")"]
["Alternate ACL as % of Premium",null,{"$f":"IF(C10<>\"NAIC Filings + User Parameters\",'User Parameters'!C22,0)","v":3.2191571853645122E-2},null,{"$f":"_xlfn.FORMULATEXT(C41)","v":"=IF(C10<>\"NAIC Filings + User Parameters\",'User Parameters'!C22,0)"}]
["Alternate Authorized Control Level RBC",null,{"$f":"COC_Premium*C41","v":20.423067980481921},null,"=COC_Premium*C41"]
["Step 1.c. Selected ACL"]
["Selected Authorized Control Level RBC",null,{"$f":"IF(C10=\"NAIC Filings + User Parameters\",COC_Calc_ACL,COC_Calc_Alt_ACL)","v":20.423067980481921},null,{"$f":"_xlfn.FORMULATEXT(C44)","v":"=IF(C10=\"NAIC Filings + User Parameters\",COC_Calc_ACL,COC_Calc_Alt_ACL)"}]
["Selected ACL as % of Premium",null,{"$f":"ACL/COC_Premium","v":3.2191571853645122E-2},null,{"$f":"_xlfn.FORMULATEXT(C45)","v":"=ACL/COC_Premium"}]
["Step 2. Calculate Weighted Average Cost of Capital"]
["Federal Corporate Tax Rate",null,{"$f":"UP_COC_FederalTaxRate","v":0.21},null,{"$f":"_xlfn.FORMULATEXT(C47)","v":"=UP_COC_FederalTaxRate"},"top marginal tax rate (federal)"]
["State Corporate Tax Rate",null,{"$f":"UP_COC_StateTaxRate","v":5.8999999999999997E-2},null,{"$f":"_xlfn.FORMULATEXT(C48)","v":"=UP_COC_StateTaxRate"},"top marginal tax rate for user-selected state"]
["Step 2.a. Calculate Cost of Debt"]
["Recognize Debt in Cost of Capital Calculation",null,{"$f":"UP_COC_Selection_RecognizeDebt","v":"Yes"},null,null,"user input"]
["Average Interest Rate for Debt: Source",null,{"$f":"UP_COC_Selection_InterestRate","v":"Low-Cost (Proxy: Aaa/AAA Yield)"},null,null,"user input"]
["Average Interest Rate for Debt %",null,{"$f":"UP_COC_InterestRate","v":4.8099999999999997E-2},null,{"$f":"_xlfn.FORMULATEXT(C52)","v":"=UP_COC_InterestRate"},"from user-selected interest rate"]
["Cost of Debt",null,{"$f":"interestRate*(1-federalTax-stateTax)","v":3.5161100000000001E-2},null,{"$f":"_xlfn.FORMULATEXT(C53)","v":"=interestRate*(1-federalTax-stateTax)"}]
["Step 2.b. Calculate Cost of Equity:"]
["Tax Treatment of Cost of Equity",null,{"$f":"UP_COC_TaxTreatment","v":"After-Tax"}]
["Risk-Free Rate",null,{"$f":"UP_COC_Selection_RiskFreeRate","v":"10-Yr Treasury"},null,null,"user input"]
["Benchmark Expected Rate of Return",null,{"$f":"VLOOKUP(UP_COC_Selection_ExpectedRate,'Drop Downs'!A27:B30,2,FALSE)","v":0.1618}]
["Risk-Free Rate of Return",null,{"$f":"UP_COC_RiskFreeRate","v":3.9699999999999999E-2},null,null,"from user-selected metric for risk-free rate of return"]
["Calculation of Market Risk Premium",null,{"$f":"UP_COC_EquityMethodology","v":"Implied Eq. Risk Prem. (Damodaran)"}]
["Market Rate of Return",null,{"$f":"'Drop Downs'!B27","v":0.1323},null,null,"from user-selected metric for expected return"]
["Beta of Benchmark Expected Rate of Return",null,{"$f":"UP_COC_Beta","v":0.53180000000000005},null,null,"from user-selected metric for Beta"]
["Equity Risk Premium",null,{"$f":"IF(C59=\"CAPM Calculated\",B*((E_Rm)-(Rf)),'User Parameters'!C31)","v":4.9000000000000002E-2},null,{"$f":"CONCATENATE(\"Ke\")&_xlfn.FORMULATEXT(C62)","v":"Ke=IF(C59=\"CAPM Calculated\",B*((E_Rm)-(Rf)),'User Parameters'!C31)"}]
["Cost of Equity After-Tax",null,{"$f":"C62+Rf","v":8.8700000000000001E-2},null,{"$f":"CONCATENATE(\"Ke\")&_xlfn.FORMULATEXT(C63)","v":"Ke=C62+Rf"}]
["After-Tax Yield",null,{"$f":"(1-(federalTax+stateTax*(1-federalTax)))","v":0.74339},null,{"$f":"_xlfn.FORMULATEXT(C64)","v":"=(1-(federalTax+stateTax*(1-federalTax)))"}]
["Cost of Equity Pre-Tax",null,{"$f":"Ke/afterTaxYield","v":0.11931825824937113},null,{"$f":"_xlfn.FORMULATEXT(C65)","v":"=Ke/afterTaxYield"}]
["Selected Cost of Equity",null,{"$f":"IF(C55=\"After-Tax\",Ke,Ke_PreTax)","v":8.8700000000000001E-2}]
["Step 2.c. Weighted Average Cost of Capital"]
["% Debt",null,{"$f":"UP_COC_PercentDebt","v":0.2},null,null,"user input:  % of Debt"]
["% Equity",null,{"$f":"1-C68","v":0.8},null,{"$f":"_xlfn.FORMULATEXT(C69)","v":"=1-C68"}]
[{"$f":"CONCATENATE(\"Weighted Average Cost of Capital\"&IF(C50=\"No\",\" Adjusted for Exclusion of Debt\",\"\"))","v":"Weighted Average Cost of Capital"},null,{"$f":"IF(C50=\"yes\",C68*C53,0)+C69*C66","v":7.7992220000000015E-2},null,{"$f":"_xlfn.FORMULATEXT(C70)","v":"=IF(C50=\"yes\",C68*C53,0)+C69*C66"}]
["Step 3. Apply WACC to Target RBC"]
["Authorized Control Level RBC",null,{"$f":"ACL","v":20.423067980481921},null,{"$f":"_xlfn.FORMULATEXT(C72)","v":"=ACL"}]
["Minimum RBC %",null,{"$f":"UP_COC_RBCMinimum","v":2.5},null,null,"user input:  Minimum RBC"]
["Minimum Target RBC",null,{"$f":"ACL*C73","v":51.057669951204801},null,"=ACL*C73"]
["Maximum RBC %",null,{"$f":"UP_COC_RBCMaximum","v":4.5},null,null,"user input: Maximum RBC"]
["Additional RBC",null,{"$f":"ACL*(C75-C73)","v":40.846135960963842},null,"=ACL*(C75-C73)"]
["Discount to COC on RBC between Min and Max RBC Thresholds",null,{"$f":"UP_COC_RBCThresholdDiscount","v":0},null,"=UP_COC_RBCThresholdDiscount","user input: factor for discounting the cost of capital on RBC between Min and Max Target RBC thresholds"]
["Effective RBC to Finance",null,{"$f":"RBC_LowerThreshold+RBC_UpperThreshold*(1-RBC_ThresholdDiscount)","v":91.90380591216865},null,"=RBC_LowerThreshold+RBC_UpperThreshold*(1-RBC_ThresholdDiscount)"]
["Cost of Capital PMPM",null,{"$f":"C78*WACC","v":7.1677818495391596},null,"=C78*WACC"]
["Cost of Capital as %",null,{"$f":"C79/COC_Premium","v":1.1298114693698845E-2},null,"=C79/COC_Premium"]
["Step 4. Apply a Discount to Cost of Capital for Investment Income",null,"TBD",null,null,null,null,"Calculation of Interest Accrued on Withhold"]
["Discounting Methodology",null,{"$f":"UP_COC_Selection_COCDiscountRate","v":"No Discount"},null,{"$f":"_xlfn.FORMULATEXT(C82)","v":"=UP_COC_Selection_COCDiscountRate"},null,null,"Month No.",1,{"$f":"IF(I82<UP_MonthsInRatingPeriod,I82+1,\"\")","v":2},{"$f":"IF(J82<UP_MonthsInRatingPeriod,J82+1,\"\")","v":3},{"$f":"IF(K82<UP_MonthsInRatingPeriod,K82+1,\"\")","v":4},{"$f":"IF(L82<UP_MonthsInRatingPeriod,L82+1,\"\")","v":5},{"$f":"IF(M82<UP_MonthsInRatingPeriod,M82+1,\"\")","v":6},{"$f":"IF(N82<UP_MonthsInRatingPeriod,N82+1,\"\")","v":7},{"$f":"IF(O82<UP_MonthsInRatingPeriod,O82+1,\"\")","v":8},{"$f":"IF(P82<UP_MonthsInRatingPeriod,P82+1,\"\")","v":9},{"$f":"IF(Q82<UP_MonthsInRatingPeriod,Q82+1,\"\")","v":10},{"$f":"IF(R82<UP_MonthsInRatingPeriod,R82+1,\"\")","v":11},{"$f":"IF(S82<UP_MonthsInRatingPeriod,S82+1,\"\")","v":12},{"$f":"IF(T82<UP_MonthsInRatingPeriod,T82+1,\"\")","v":""},{"$f":"IF(U82<UP_MonthsInRatingPeriod,U82+1,\"\")","v":""},{"$f":"IF(V82<UP_MonthsInRatingPeriod,V82+1,\"\")","v":""},{"$f":"IF(W82<UP_MonthsInRatingPeriod,W82+1,\"\")","v":""},{"$f":"IF(X82<UP_MonthsInRatingPeriod,X82+1,\"\")","v":""},{"$f":"IF(Y82<UP_MonthsInRatingPeriod,Y82+1,\"\")","v":""},{"$f":"IF(Z82<UP_MonthsInRatingPeriod,Z82+1,\"\")","v":""},{"$f":"IF(AA82<UP_MonthsInRatingPeriod,AA82+1,\"\")","v":""},{"$f":"IF(AB82<UP_MonthsInRatingPeriod,AB82+1,\"\")","v":""},{"$f":"IF(AC82<UP_MonthsInRatingPeriod,AC82+1,\"\")","v":""},{"$f":"IF(AD82<UP_MonthsInRatingPeriod,AD82+1,\"\")","v":""},{"$f":"IF(AE82<UP_MonthsInRatingPeriod,AE82+1,\"\")","v":""},{"$f":"IF(AF82<UP_MonthsInRatingPeriod,AF82+1,\"\")","v":""},{"$f":"IF(AG82<UP_MonthsInRatingPeriod,AG82+1,\"\")","v":""},{"$f":"IF(AH82<UP_MonthsInRatingPeriod,AH82+1,\"\")","v":""},{"$f":"IF(AI82<UP_MonthsInRatingPeriod,AI82+1,\"\")","v":""},{"$f":"IF(AJ82<UP_MonthsInRatingPeriod,AJ82+1,\"\")","v":""},{"$f":"IF(AK82<UP_MonthsInRatingPeriod,AK82+1,\"\")","v":""},{"$f":"IF(AL82<UP_MonthsInRatingPeriod,AL82+1,\"\")","v":""},{"$f":"IF(AM82<UP_MonthsInRatingPeriod,AM82+1,\"\")","v":""},{"$f":"IF(AN82<UP_MonthsInRatingPeriod,AN82+1,\"\")","v":""},{"$f":"IF(AO82<UP_MonthsInRatingPeriod,AO82+1,\"\")","v":""},{"$f":"IF(AP82<UP_MonthsInRatingPeriod,AP82+1,\"\")","v":""},{"$f":"IF(AQ82<UP_MonthsInRatingPeriod,AQ82+1,\"\")","v":""}]
["Discount %",null,{"$f":"VLOOKUP(C82,'Drop Downs'!A47:B50,2,FALSE)","v":0},null,null,null,null,"Months of Interest Earned",{"$f":"UP_MonthsInRatingPeriod","v":12},{"$f":"IF(ISNUMBER(J82),I83-1,\"\")","v":11},{"$f":"IF(ISNUMBER(K82),J83-1,\"\")","v":10},{"$f":"IF(ISNUMBER(L82),K83-1,\"\")","v":9},{"$f":"IF(ISNUMBER(M82),L83-1,\"\")","v":8},{"$f":"IF(ISNUMBER(N82),M83-1,\"\")","v":7},{"$f":"IF(ISNUMBER(O82),N83-1,\"\")","v":6},{"$f":"IF(ISNUMBER(P82),O83-1,\"\")","v":5},{"$f":"IF(ISNUMBER(Q82),P83-1,\"\")","v":4},{"$f":"IF(ISNUMBER(R82),Q83-1,\"\")","v":3},{"$f":"IF(ISNUMBER(S82),R83-1,\"\")","v":2},{"$f":"IF(ISNUMBER(T82),S83-1,\"\")","v":1},{"$f":"IF(ISNUMBER(U82),T83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(V82),U83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(W82),V83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(X82),W83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(Y82),X83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(Z82),Y83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AA82),Z83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AB82),AA83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AC82),AB83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AD82),AC83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AE82),AD83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AF82),AE83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AG82),AF83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AH82),AG83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AI82),AH83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AJ82),AI83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AK82),AJ83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AL82),AK83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AM82),AL83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AN82),AM83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AO82),AN83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AP82),AO83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AQ82),AP83-1,\"\")","v":""},{"$f":"IF(ISNUMBER(AR82),AQ83-1,\"\")","v":""}]
["Discount PMPM",null,{"$f":"-1*(C78*C83)+0*-SUM(I86:AR86)/UP_MonthsInRatingPeriod","v":0},null,{"$f":"_xlfn.FORMULATEXT(C84)","v":"=-1*(C78*C83)+0*-SUM(I86:AR86)/UP_MonthsInRatingPeriod"},null,null,"Interest Rate",{"$f":"$C83","v":0},{"$f":"$C83","v":0},0,0,0,0,0,0,0,0,0,0]
["Cost of Capital after Discount PMPM",null,{"$f":"C79+C84","v":7.1677818495391596},null,{"$f":"_xlfn.FORMULATEXT(C85)","v":"=C79+C84"},null,null,"RBC Funded",{"$f":"RBC_LowerThreshold+RBC_UpperThreshold*RBC_ThresholdDiscount","v":51.057669951204801},{"$f":"IF(ISNUMBER(J82),$I85,\"\")","v":51.057669951204801},{"$f":"IF(ISNUMBER(K82),$I85,\"\")","v":51.057669951204801},{"$f":"IF(ISNUMBER(L82),$I85,\"\")","v":51.057669951204801},{"$f":"IF(ISNUMBER(M82),$I85,\"\")","v":51.057669951204801},51.057669951204801,51.057669951204801,51.057669951204801,51.057669951204801,51.057669951204801,51.057669951204801,51.057669951204801,"","","","","","","","","","","","","","","","","","","","","","","",""]
["Cost of Capital after Discount as %",null,{"$f":"C85/COC_Premium","v":1.1298114693698845E-2},null,{"$f":"_xlfn.FORMULATEXT(C86)","v":"=C85/COC_Premium"},null,null,"Interest Payment",{"$f":"I85*(1+I84)^(I83/12)-I85","v":0},{"$f":"IF(ISNUMBER(J82),J85*(1+J84)^(J83/12)-J85,\"\")","v":0},0,0,0,0,0,0,0,0,0,0,"","","","","","","","","","","","","","","","","","","","","","","",""]
["Step 5. Calculate Costs Associated with Cash Flow"]
["Step 5.a. Cost Associated with Withholds"]
["Revised Adjusted PMPM",null,{"$f":"(COC_Premium+C85)","v":641.5906075920285},null,{"$f":"_xlfn.FORMULATEXT(C89)","v":"=(COC_Premium+C85)"}]
["Months in Rating Period",null,{"$f":"UP_MonthsInRatingPeriod","v":12}]
["Months Following Rating Period before Payment",null,{"$f":"UP_COC_WithholdLag","v":6},null,null,"user input: expected delay in resolving withhold with state (in months following rating period)"]
["Withhold %",null,{"$f":"UP_WithholdPercent","v":1.4999999999999999E-2},null,null,"user input: Withhold %"]
["Assumed Withhold Achieved",null,{"$f":"UP_WithholdEarned","v":1},null,null,"user input: % Withhold Achieved",null,"Calculation of Interest Accrued on Withhold"]
["Withhold PMPM",null,{"$f":"(C92*C93)*C89","v":9.6238591138804264},null,{"$f":"_xlfn.FORMULATEXT(C94)","v":"=(C92*C93)*C89"},null,null,"Month No.",1,{"$f":"IF(I94<UP_MonthsInRatingPeriod,I94+1,\"\")","v":2},3,4,5,6,7,8,9,10,11,12,"","","","","","","","","","","","","","","","","","","","","","","",""]
["Factor to Apply to Cost of Withhold",null,{"$f":"UP_COC_Selection_RevenueLagRate","v":"None"},null,null,"user input",null,"Months of Interest Owed",{"$f":"UP_MonthsInRatingPeriod+$C$91","v":18},{"$f":"IF(ISNUMBER(J94),I95-1,\"\")","v":17},{"$f":"IF(ISNUMBER(K94),J95-1,\"\")","v":16},15,14,13,12,11,10,9,8,7,"","","","","","","","","","","","","","","","","","","","","","","",""]
[{"$f":"C95","v":"None"},null,{"$f":"UP_COC_RevenueLagRate","v":0},null,null,"user input",null,"Interest Rate",{"$f":"$C$96","v":0},{"$f":"IF(ISNUMBER(J94),$C$96,\"\")","v":0},{"$f":"IF(ISNUMBER(K94),$C$96,\"\")","v":0},0,0,0,0,0,0,0,0,0,"","","","","","","","","","","","","","","","","","","","","","","",""]
["Cumulative Interest Accrued to MCO",null,{"$f":"-FV((1+C96)^(1/12)-1,C90+C91,C94,,0)-(C94*(C90+C91))","v":0},null,{"$f":"_xlfn.FORMULATEXT(C97)","v":"=-FV((1+C96)^(1/12)-1,C90+C91,C94,,0)-(C94*(C90+C91))"}," Interest owed to MCO for withholds held, including compounding of interest",null,"Withhold PMPM",{"$f":"$C$94","v":9.6238591138804264},{"$f":"IF(ISNUMBER(J94),$C$94,\"\")","v":9.6238591138804264},{"$f":"IF(ISNUMBER(K94),$C$94,\"\")","v":9.6238591138804264},9.6238591138804264,9.6238591138804264,9.6238591138804264,9.6238591138804264,9.6238591138804264,9.6238591138804264,9.6238591138804264,9.6238591138804264,9.6238591138804264,"","","","","","","","","","","","","","","","","","","","","","","",""]
["Monthly Interest Owed on Withhold PMPM",null,{"$f":"C97/12","v":0},null,{"$f":"_xlfn.FORMULATEXT(C98)","v":"=C97/12"},null,null,"Interest Payment",{"$f":"I97*(1+I96)^(I95/12)-I97","v":0},{"$f":"IF(ISNUMBER(J94),J97*(1+J96)^(J95/12)-J97,\"\")","v":0},{"$f":"IF(ISNUMBER(K94),K97*(1+K96)^(K95/12)-K97,\"\")","v":0},{"$f":"IF(ISNUMBER(L94),L97*(1+L96)^(L95/12)-L97,\"\")","v":0},{"$f":"IF(ISNUMBER(M94),M97*(1+M96)^(M95/12)-M97,\"\")","v":0},{"$f":"IF(ISNUMBER(N94),N97*(1+N96)^(N95/12)-N97,\"\")","v":0},{"$f":"IF(ISNUMBER(O94),O97*(1+O96)^(O95/12)-O97,\"\")","v":0},{"$f":"IF(ISNUMBER(P94),P97*(1+P96)^(P95/12)-P97,\"\")","v":0},{"$f":"IF(ISNUMBER(Q94),Q97*(1+Q96)^(Q95/12)-Q97,\"\")","v":0},{"$f":"IF(ISNUMBER(R94),R97*(1+R96)^(R95/12)-R97,\"\")","v":0},{"$f":"IF(ISNUMBER(S94),S97*(1+S96)^(S95/12)-S97,\"\")","v":0},{"$f":"IF(ISNUMBER(T94),T97*(1+T96)^(T95/12)-T97,\"\")","v":0},{"$f":"IF(ISNUMBER(U94),U97*(1+U96)^(U95/12)-U97,\"\")","v":""},{"$f":"IF(ISNUMBER(V94),V97*(1+V96)^(V95/12)-V97,\"\")","v":""},{"$f":"IF(ISNUMBER(W94),W97*(1+W96)^(W95/12)-W97,\"\")","v":""},{"$f":"IF(ISNUMBER(X94),X97*(1+X96)^(X95/12)-X97,\"\")","v":""},{"$f":"IF(ISNUMBER(Y94),Y97*(1+Y96)^(Y95/12)-Y97,\"\")","v":""},{"$f":"IF(ISNUMBER(Z94),Z97*(1+Z96)^(Z95/12)-Z97,\"\")","v":""},{"$f":"IF(ISNUMBER(AA94),AA97*(1+AA96)^(AA95/12)-AA97,\"\")","v":""},{"$f":"IF(ISNUMBER(AB94),AB97*(1+AB96)^(AB95/12)-AB97,\"\")","v":""},{"$f":"IF(ISNUMBER(AC94),AC97*(1+AC96)^(AC95/12)-AC97,\"\")","v":""},{"$f":"IF(ISNUMBER(AD94),AD97*(1+AD96)^(AD95/12)-AD97,\"\")","v":""},{"$f":"IF(ISNUMBER(AE94),AE97*(1+AE96)^(AE95/12)-AE97,\"\")","v":""},{"$f":"IF(ISNUMBER(AF94),AF97*(1+AF96)^(AF95/12)-AF97,\"\")","v":""},{"$f":"IF(ISNUMBER(AG94),AG97*(1+AG96)^(AG95/12)-AG97,\"\")","v":""},{"$f":"IF(ISNUMBER(AH94),AH97*(1+AH96)^(AH95/12)-AH97,\"\")","v":""},{"$f":"IF(ISNUMBER(AI94),AI97*(1+AI96)^(AI95/12)-AI97,\"\")","v":""},{"$f":"IF(ISNUMBER(AJ94),AJ97*(1+AJ96)^(AJ95/12)-AJ97,\"\")","v":""},{"$f":"IF(ISNUMBER(AK94),AK97*(1+AK96)^(AK95/12)-AK97,\"\")","v":""},{"$f":"IF(ISNUMBER(AL94),AL97*(1+AL96)^(AL95/12)-AL97,\"\")","v":""},{"$f":"IF(ISNUMBER(AM94),AM97*(1+AM96)^(AM95/12)-AM97,\"\")","v":""},{"$f":"IF(ISNUMBER(AN94),AN97*(1+AN96)^(AN95/12)-AN97,\"\")","v":""},{"$f":"IF(ISNUMBER(AO94),AO97*(1+AO96)^(AO95/12)-AO97,\"\")","v":""},{"$f":"IF(ISNUMBER(AP94),AP97*(1+AP96)^(AP95/12)-AP97,\"\")","v":""},{"$f":"IF(ISNUMBER(AQ94),AQ97*(1+AQ96)^(AQ95/12)-AQ97,\"\")","v":""},{"$f":"IF(ISNUMBER(AR94),AR97*(1+AR96)^(AR95/12)-AR97,\"\")","v":""}]
["Cost of Interest on Withhold as % of Premium",null,{"$f":"C98/COC_Premium","v":0},null,"=C98/COC_Premium"]
["Step 5.b. Cost Associated with a Delay in Premiums",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(I98:T98)","v":0}]
["Revised Adjusted PMPM with Cost of Capital",null,{"$f":"C89+C98","v":641.5906075920285},null,{"$f":"_xlfn.FORMULATEXT(C101)","v":"=C89+C98"}]
["Months of Average Delay",null,{"$f":"UP_COC_PremiumLag","v":0},null,null,"user input: expected delay in receipt of premiums from state (in months)"]
[{"$f":"C95","v":"None"},null,{"$f":"C96","v":0},null,{"$f":"_xlfn.FORMULATEXT(C103)","v":"=C96"}]
["Accumulative Interest Owed on Premium Delay PMPM",null,{"$f":"(C101*C102)*(1+C103)^(C102/12)-(C102*C101)","v":0},null,{"$f":"_xlfn.FORMULATEXT(C104)","v":"=(C101*C102)*(1+C103)^(C102/12)-(C102*C101)"}]
["Cost of Payment Delay as %",null,{"$f":"C104/COC_Premium","v":0},null,{"$f":"_xlfn.FORMULATEXT(C105)","v":"=C104/COC_Premium"}]
["Step 5.c. Offsets Associated with a Delay in Provider Payments"]
["Medical Premium",null,{"$f":"C4","v":550}]
["Average Lag in Months",null,{"$f":"UP_COC_ClaimLag","v":1.5}]
["% of Claims Subject to Lag",null,{"$f":"UP_COC_ClaimLagPercent","v":0.25}]
[{"$f":"C95","v":"None"},null,{"$f":"C96","v":0},null,{"$f":"_xlfn.FORMULATEXT(C110)","v":"=C96"}]
["Interest Earned on Claims Payment Delay",null,{"$f":"-((C107*C109)*(1+C110)^(C108/12)-(C107*C109))","v":0},null,{"$f":"_xlfn.FORMULATEXT(C111)","v":"=-((C107*C109)*(1+C110)^(C108/12)-(C107*C109))"}]
["Earnings from Reimbursement Delay as %",null,{"$f":"C111/COC_Premium","v":0}]
["Step 6. Total Cost of Capital"]
["Net Cost of Capital PMPM",null,{"$f":"C85+C98+C104+C111","v":7.1677818495391596},null,{"$f":"_xlfn.FORMULATEXT(C114)","v":"=C85+C98+C104+C111"}]
["Net Cost of Capital as %",null,{"$f":"C114/COC_Premium","v":1.1298114693698845E-2},null,{"$f":"_xlfn.FORMULATEXT(C115)","v":"=C114/COC_Premium"}]

{"sheet":"Net Income Matrix","index":7,"n_rows":168,"n_cols":40,"rows_kept":168,"cut":false,"hidden":false,"merged":[[5,31,5,35],[5,1,5,3],[5,4,5,7],[5,27,5,29],[5,23,5,26],[5,19,5,22],[5,10,5,16]]}
["Net Income Matrix",null,null,null,null,null,null,null,null,null,"Risk Corridors:","I","II","III","IV","V","VI",null,null,null,null,null,null,null,null,null,null,null,{"$f":"'User Parameters'!B9","v":"Composite 2016 to 2019 Curve"}]
[null,null,null,null,null,null,null,null,null,null,"Lower Threshold",{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,'User Parameters'!F14)","v":0},{"$f":"L3","v":0},{"$f":"M3","v":0},{"$f":"N3","v":0},{"$f":"O3","v":0},{"$f":"P3","v":0},null,null,null,null,null,null,null,null,null,null,"Mean of Underwriting Margin",null,{"$f":"H88","v":4.4258491885443972E-2}]
[null,null,null,null,null,null,null,null,null,null,"Upper Threshold",{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,'User Parameters'!H14)","v":0},{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,'User Parameters'!H15)","v":0},{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,'User Parameters'!H16)","v":0},{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,'User Parameters'!H17)","v":0},{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,'User Parameters'!H18)","v":0},{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,'User Parameters'!H19)","v":0},null,null,null,null,null,null,null,null,null,null,"Standard Deviation",null,{"$f":"'User Parameters'!C9","v":3.5290503251745854E-2}]
[null,null,null,null,null,null,null,null,null,null,"State Share",{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,1-'User Parameters'!I14)","v":0},{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,1-'User Parameters'!I15)","v":0},{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,1-'User Parameters'!I16)","v":0},{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,1-'User Parameters'!I17)","v":0},{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,1-'User Parameters'!I18)","v":0},{"$f":"IF(UP_RSBasis=\"No Risk Share\",0,1-'User Parameters'!I19)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Excluding lag in CoC infusions"]
["Average/Total",{"$f":"SUMPRODUCT(B$8:B$168,$AD$8:$AD$168)","v":634.42282574248895},550.00000000000011,0.86692971577167666,50.000000000000014,6.3442282574248914,28.078597485064201,4.4258491885443674E-2,0.87568658158755264,0,0,{"$f":"SUMPRODUCT(L$8:L$168,$AD$8:$AD$168)","v":0},0,0,0,0,0,{"$f":"SUMPRODUCT(R$8:R$168,$AD$8:$AD$168)","v":0},0,0.87568658158755264,0.90591209898405045,18.984000574652729,2.9923262222532786E-2,1.4335229662910877E-2,0,0,{"$f":"SUMPRODUCT(AA$8:AA$168,$AD$8:$AD$168)","v":1.4335229662910877E-2},null,{"$f":"SUM(AC$8:AC$168)","v":0.99999999999999878},{"$f":"SUM(AD$8:AD$168)","v":1},null,{"$f":"SUMPRODUCT(AF$8:AF$168,$AD$8:$AD$168)","v":-2.3293789977818383E-4},{"$f":"SUMPRODUCT(AG$8:AG$168,$AD$8:$AD$168)","v":-1.3321909506584009E-5},{"$f":"SUMPRODUCT(AH$8:AH$168,$AD$8:$AD$168)","v":-2.3736325793204098E-6},{"$f":"SUMPRODUCT(AI$8:AI$168,$AD$8:$AD$168)","v":-3.9745314671061804E-10},{"$f":"SUMPRODUCT(AJ$8:AJ$168,$AD$8:$AD$168)","v":-3.9745314671061804E-10},null,{"$f":"SUMPRODUCT(AL$8:AL$168,$AD$8:$AD$168)","v":0},0,{"$f":"SUMPRODUCT(AN$8:AN$168,$AD$8:$AD$168)","v":1.4335229662910877E-2}]
["Bin","Claims Calculation",null,null,"Underwriting Margin Calculation",null,null,null,"MLR","Risk Share Target","Risk Corridor Calculations",null,null,null,null,null,null,null,null,"MLR Limit Calculation",null,null,null,"Net Income Calculation",null,null,null,"Normal Curve",null,null,null,"Probability of Ruin Results"]
["Loss Ratio","Premium PMPM","Claims PMPM","Initial MLR","Admin","Premium Tax","Underwriting Margin","Underwriting Margin Ratio","Alternative:\nFor Purposes of Risk Share Use MLR (as Used for MLR Limit) Not Loss Ratio",{"$f":"IF(UP_RSBasis=\"MLR\",\"Risk Share Target %\",IF(UP_RSBasis=\"Medical Baseline\",\"Claims PMPM\",\"N/A\"))","v":"N/A"},{"$f":"IF(UP_RSBasis=\"MLR\",\"MLR Gain/(Loss)\",IF(UP_RSBasis=\"Medical Baseline\",\"Medical Gain/(Loss)\",\"\"))","v":""},"Corridor I","Corridor II","Corridor III","Corridor IV","Corridor V","Corridor VI",{"$f":"IF(UP_RSBasis=\"MLR\",\"MLR Adjustment\",\"\")","v":""},"Claims Adjustment","Adjusted MLR","Capped MLR","Net Transfer Payment ","Net Transfer Payment as a % of Premium","Gain/Loss as a % of Premium","Cost of Capital Infusion on Gains/Losses before Transfer Payments (as a % of Premium)","Withhold Unachieved as a % of Premium","Net Income as a % of Premium","Density Function","Probability","Adjusted Probability","Adjusted Probability Only for the Dashboard Graph","Authorized Control Level (ACL)","200% of ACL","Minimum Threshold",{"$f":"\"Target  (Discount = \"&UP_COC_RBCThresholdDiscount*100&\"%)\"","v":"Target  (Discount = 0%)"},"Maximum Threshold"]
[{"$f":"A9-0.005","v":0.46692971577167597},{"$f":"$B$88","v":634.42282574248929},{"$f":"B8*A8","v":296.23086970300403},{"$f":"(C8)/(B8)","v":0.46692971577167597},{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B8*'User Parameters'!$C$15","v":6.3442282574248932},{"$f":"B8-E8-C8-F8","v":281.84772778206036},{"$f":"G8/B8","v":0.44425849188544436},{"$f":"($C8+UP_QIPMPM)/($B8-$F8)","v":0.47164617754714744},{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},{"$f":"IF(UP_RSBasis=\"MLR\",J8-I8,IF(UP_RSBasis=\"Medical Baseline\",J8-$C8,0))","v":0},{"$f":"IF($K8>0,MIN(J8*L$3-J8*L$2,$K8-M8-N8),0)","v":0},{"$f":"IF($K8>0,MIN(J8*M$3-J8*M$2,$K8-N8),0)","v":0},{"$f":"IF($K8>0,MIN(J8*N$3-J8*N$2,$K8),0)","v":0},{"$f":"IF($K8<0,MAX(J8*O$2-J8*O$3,$K8),0)","v":0},{"$f":"IF($K8<0,MAX(J8*P$2-J8*P$3,$K8-O8),0)","v":0},{"$f":"IF($K8<0,MAX(J8*Q$2-J8*Q$3,$K8-P8-O8),0)","v":0},{"$f":"IF(UP_RSBasis=\"MLR\",SUMPRODUCT(L$4:Q$4,L8:Q8),\"\")","v":""},{"$f":"IF(UP_RSBasis=\"MLR\",R8*(B8-F8),SUMPRODUCT($L$4:$Q$4,$L8:$Q8))","v":0},{"$f":"(S8+C8+'User Parameters'!$C$12)/(B8-F8)","v":0.47164617754714744},{"$f":"IF(T8<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T8>'User Parameters'!$J$6,'User Parameters'!$J$6,T8))","v":0.9},{"$f":"(U8-T8)*(B8-F8)","v":269.03986803355394},{"$f":"V8/B8","v":0.42407028422832405},{"$f":"(B8-C8-F8-E8-S8-V8)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X8+W8)>0,(X8+W8)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X8+W8)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},{"$f":"Y8+X8-Z8","v":2.0188207657120295E-2},{"$f":"_xlfn.NORM.DIST(H8,$AD$2,$AD$3,TRUE)","v":1},{"$f":"AB8-AB9","v":0},{"$f":"AC8+(1-AC5)/2","v":6.106226635438361E-16},{"$f":"AD8","v":6.106226635438361E-16},{"$f":"IF($AA8<-'Results Dashboard'!$J$7,$AA8+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA8<-'Results Dashboard'!$J$8,$AA8+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA8<-'Results Dashboard'!$J$9,$AA8+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA8<-'Results Dashboard'!$J$11,$AA8+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA8<-'Results Dashboard'!$J$10,$AA8+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X8+W8)>0,(X8+W8)*0.5*'User Parameters'!C$50,(X8+W8)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},{"$f":"-AL8+X8-AM8","v":2.0188207657120295E-2}]
[0.47192971577167597,634.42282574248929,{"$f":"B9*A9","v":299.40298383171648},{"$f":"(C9)/(B9)","v":0.47192971577167597},{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B9*'User Parameters'!$C$15","v":6.3442282574248932},{"$f":"B9-E9-C9-F9","v":278.67561365334791},{"$f":"G9/B9","v":0.43925849188544436},{"$f":"($C9+UP_QIPMPM)/($B9-$F9)","v":0.47669668259765252},{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,{"$f":"IF($K9>0,MIN(J9*L$3-J9*L$2,$K9-M9-N9),0)","v":0},{"$f":"IF($K9>0,MIN(J9*M$3-J9*M$2,$K9-N9),0)","v":0},{"$f":"IF($K9>0,MIN(J9*N$3-J9*N$2,$K9),0)","v":0},{"$f":"IF($K9<0,MAX(J9*O$2-J9*O$3,$K9),0)","v":0},{"$f":"IF($K9<0,MAX(J9*P$2-J9*P$3,$K9-O9),0)","v":0},{"$f":"IF($K9<0,MAX(J9*Q$2-J9*Q$3,$K9-P9-O9),0)","v":0},"",0,{"$f":"(S9+C9+'User Parameters'!$C$12)/(B9-F9)","v":0.47669668259765252},{"$f":"IF(T9<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T9>'User Parameters'!$J$6,'User Parameters'!$J$6,T9))","v":0.9},265.86775390484149,0.41907028422832404,{"$f":"(B9-C9-F9-E9-S9-V9)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X9+W9)>0,(X9+W9)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X9+W9)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},{"$f":"Y9+X9-Z9","v":2.0188207657120295E-2},1,{"$f":"AB9-AB10","v":0},{"$f":"AC9","v":0},{"$f":"AD9","v":0},{"$f":"IF($AA9<-'Results Dashboard'!$J$7,$AA9+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA9<-'Results Dashboard'!$J$8,$AA9+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA9<-'Results Dashboard'!$J$9,$AA9+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA9<-'Results Dashboard'!$J$11,$AA9+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA9<-'Results Dashboard'!$J$10,$AA9+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X9+W9)>0,(X9+W9)*0.5*'User Parameters'!C$50,(X9+W9)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},{"$f":"-AL9+X9-AM9","v":2.0188207657120295E-2}]
[0.47692971577167598,634.42282574248929,302.57509796042893,0.47692971577167598,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B10*'User Parameters'!$C$15","v":6.3442282574248932},275.50349952463546,0.43425849188544435,0.48174718764815755,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S10+C10+'User Parameters'!$C$12)/(B10-F10)","v":0.48174718764815755},{"$f":"IF(T10<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T10>'User Parameters'!$J$6,'User Parameters'!$J$6,T10))","v":0.9},262.69563977612904,0.41407028422832404,{"$f":"(B10-C10-F10-E10-S10-V10)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X10+W10)>0,(X10+W10)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X10+W10)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,1,0,{"$f":"AC10","v":0},0,{"$f":"IF($AA10<-'Results Dashboard'!$J$7,$AA10+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA10<-'Results Dashboard'!$J$8,$AA10+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA10<-'Results Dashboard'!$J$9,$AA10+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA10<-'Results Dashboard'!$J$11,$AA10+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA10<-'Results Dashboard'!$J$10,$AA10+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X10+W10)>0,(X10+W10)*0.5*'User Parameters'!C$50,(X10+W10)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.48192971577167598,634.42282574248929,305.74721208914139,0.48192971577167598,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B11*'User Parameters'!$C$15","v":6.3442282574248932},272.33138539592301,0.42925849188544435,0.48679769269866263,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S11+C11+'User Parameters'!$C$12)/(B11-F11)","v":0.48679769269866263},{"$f":"IF(T11<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T11>'User Parameters'!$J$6,'User Parameters'!$J$6,T11))","v":0.9},259.52352564741659,0.40907028422832403,{"$f":"(B11-C11-F11-E11-S11-V11)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X11+W11)>0,(X11+W11)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X11+W11)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,1,0,0,0,{"$f":"IF($AA11<-'Results Dashboard'!$J$7,$AA11+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA11<-'Results Dashboard'!$J$8,$AA11+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA11<-'Results Dashboard'!$J$9,$AA11+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA11<-'Results Dashboard'!$J$11,$AA11+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA11<-'Results Dashboard'!$J$10,$AA11+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X11+W11)>0,(X11+W11)*0.5*'User Parameters'!C$50,(X11+W11)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.48692971577167599,634.42282574248929,308.91932621785384,0.48692971577167599,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B12*'User Parameters'!$C$15","v":6.3442282574248932},269.15927126721056,0.42425849188544434,0.49184819774916766,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,{"$f":"IF($K12<0,MAX(J12*P$2-J12*P$3,$K12-O12),0)","v":0},0,"",0,{"$f":"(S12+C12+'User Parameters'!$C$12)/(B12-F12)","v":0.49184819774916766},{"$f":"IF(T12<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T12>'User Parameters'!$J$6,'User Parameters'!$J$6,T12))","v":0.9},256.35141151870414,0.40407028422832403,{"$f":"(B12-C12-F12-E12-S12-V12)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X12+W12)>0,(X12+W12)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X12+W12)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,1,0,0,0,{"$f":"IF($AA12<-'Results Dashboard'!$J$7,$AA12+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA12<-'Results Dashboard'!$J$8,$AA12+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA12<-'Results Dashboard'!$J$9,$AA12+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA12<-'Results Dashboard'!$J$11,$AA12+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA12<-'Results Dashboard'!$J$10,$AA12+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X12+W12)>0,(X12+W12)*0.5*'User Parameters'!C$50,(X12+W12)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.49192971577167599,634.42282574248929,312.09144034656629,0.49192971577167599,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B13*'User Parameters'!$C$15","v":6.3442282574248932},265.98715713849811,0.41925849188544434,0.49689870279967274,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S13+C13+'User Parameters'!$C$12)/(B13-F13)","v":0.49689870279967274},{"$f":"IF(T13<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T13>'User Parameters'!$J$6,'User Parameters'!$J$6,T13))","v":0.9},253.17929738999166,0.39907028422832397,{"$f":"(B13-C13-F13-E13-S13-V13)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X13+W13)>0,(X13+W13)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X13+W13)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,1,0,0,0,{"$f":"IF($AA13<-'Results Dashboard'!$J$7,$AA13+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA13<-'Results Dashboard'!$J$8,$AA13+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA13<-'Results Dashboard'!$J$9,$AA13+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA13<-'Results Dashboard'!$J$11,$AA13+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA13<-'Results Dashboard'!$J$10,$AA13+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X13+W13)>0,(X13+W13)*0.5*'User Parameters'!C$50,(X13+W13)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.49692971577167599,634.42282574248929,315.26355447527874,0.49692971577167599,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B14*'User Parameters'!$C$15","v":6.3442282574248932},262.81504300978565,0.41425849188544434,0.50194920785017783,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S14+C14+'User Parameters'!$C$12)/(B14-F14)","v":0.50194920785017783},{"$f":"IF(T14<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T14>'User Parameters'!$J$6,'User Parameters'!$J$6,T14))","v":0.9},250.00718326127921,0.39407028422832396,{"$f":"(B14-C14-F14-E14-S14-V14)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X14+W14)>0,(X14+W14)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X14+W14)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,1,0,0,0,{"$f":"IF($AA14<-'Results Dashboard'!$J$7,$AA14+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA14<-'Results Dashboard'!$J$8,$AA14+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA14<-'Results Dashboard'!$J$9,$AA14+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA14<-'Results Dashboard'!$J$11,$AA14+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA14<-'Results Dashboard'!$J$10,$AA14+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X14+W14)>0,(X14+W14)*0.5*'User Parameters'!C$50,(X14+W14)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.501929715771676,634.42282574248929,318.43566860399119,0.501929715771676,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B15*'User Parameters'!$C$15","v":6.3442282574248932},259.6429288810732,0.40925849188544433,0.5069997129006828,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S15+C15+'User Parameters'!$C$12)/(B15-F15)","v":0.5069997129006828},{"$f":"IF(T15<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T15>'User Parameters'!$J$6,'User Parameters'!$J$6,T15))","v":0.9},246.83506913256682,0.38907028422832407,{"$f":"(B15-C15-F15-E15-S15-V15)/'Results Dashboard'!$D$43","v":2.018820765712025E-2},{"$f":"IF((X15+W15)>0,(X15+W15)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X15+W15)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2,1,0,0,0,{"$f":"IF($AA15<-'Results Dashboard'!$J$7,$AA15+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA15<-'Results Dashboard'!$J$8,$AA15+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA15<-'Results Dashboard'!$J$9,$AA15+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA15<-'Results Dashboard'!$J$11,$AA15+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA15<-'Results Dashboard'!$J$10,$AA15+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X15+W15)>0,(X15+W15)*0.5*'User Parameters'!C$50,(X15+W15)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2]
[0.506929715771676,634.42282574248929,321.60778273270364,0.506929715771676,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B16*'User Parameters'!$C$15","v":6.3442282574248932},256.47081475236075,0.40425849188544433,0.51205021795118788,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S16+C16+'User Parameters'!$C$12)/(B16-F16)","v":0.51205021795118788},{"$f":"IF(T16<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T16>'User Parameters'!$J$6,'User Parameters'!$J$6,T16))","v":0.9},243.66295500385434,0.38407028422832401,{"$f":"(B16-C16-F16-E16-S16-V16)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X16+W16)>0,(X16+W16)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X16+W16)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,1,0,0,0,{"$f":"IF($AA16<-'Results Dashboard'!$J$7,$AA16+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA16<-'Results Dashboard'!$J$8,$AA16+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA16<-'Results Dashboard'!$J$9,$AA16+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA16<-'Results Dashboard'!$J$11,$AA16+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA16<-'Results Dashboard'!$J$10,$AA16+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X16+W16)>0,(X16+W16)*0.5*'User Parameters'!C$50,(X16+W16)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.51192971577167601,634.42282574248929,324.77989686141609,0.51192971577167601,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B17*'User Parameters'!$C$15","v":6.3442282574248932},253.2987006236483,0.39925849188544427,0.51710072300169296,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S17+C17+'User Parameters'!$C$12)/(B17-F17)","v":0.51710072300169296},{"$f":"IF(T17<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T17>'User Parameters'!$J$6,'User Parameters'!$J$6,T17))","v":0.9},240.49084087514188,0.37907028422832401,{"$f":"(B17-C17-F17-E17-S17-V17)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X17+W17)>0,(X17+W17)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X17+W17)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,1,0,0,0,{"$f":"IF($AA17<-'Results Dashboard'!$J$7,$AA17+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA17<-'Results Dashboard'!$J$8,$AA17+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA17<-'Results Dashboard'!$J$9,$AA17+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA17<-'Results Dashboard'!$J$11,$AA17+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA17<-'Results Dashboard'!$J$10,$AA17+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X17+W17)>0,(X17+W17)*0.5*'User Parameters'!C$50,(X17+W17)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.51692971577167601,634.42282574248929,327.95201099012854,0.51692971577167601,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B18*'User Parameters'!$C$15","v":6.3442282574248932},250.12658649493585,0.39425849188544426,0.52215122805219805,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S18+C18+'User Parameters'!$C$12)/(B18-F18)","v":0.52215122805219805},{"$f":"IF(T18<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T18>'User Parameters'!$J$6,'User Parameters'!$J$6,T18))","v":0.9},237.31872674642941,0.37407028422832395,{"$f":"(B18-C18-F18-E18-S18-V18)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X18+W18)>0,(X18+W18)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X18+W18)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,1,0,0,0,{"$f":"IF($AA18<-'Results Dashboard'!$J$7,$AA18+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA18<-'Results Dashboard'!$J$8,$AA18+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA18<-'Results Dashboard'!$J$9,$AA18+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA18<-'Results Dashboard'!$J$11,$AA18+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA18<-'Results Dashboard'!$J$10,$AA18+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X18+W18)>0,(X18+W18)*0.5*'User Parameters'!C$50,(X18+W18)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.52192971577167602,634.42282574248929,331.12412511884099,0.52192971577167602,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B19*'User Parameters'!$C$15","v":6.3442282574248932},246.9544723662234,0.38925849188544426,0.52720173310270313,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S19+C19+'User Parameters'!$C$12)/(B19-F19)","v":0.52720173310270313},{"$f":"IF(T19<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T19>'User Parameters'!$J$6,'User Parameters'!$J$6,T19))","v":0.9},234.14661261771695,0.36907028422832394,{"$f":"(B19-C19-F19-E19-S19-V19)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X19+W19)>0,(X19+W19)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X19+W19)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,1,0,0,0,{"$f":"IF($AA19<-'Results Dashboard'!$J$7,$AA19+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA19<-'Results Dashboard'!$J$8,$AA19+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA19<-'Results Dashboard'!$J$9,$AA19+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA19<-'Results Dashboard'!$J$11,$AA19+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA19<-'Results Dashboard'!$J$10,$AA19+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X19+W19)>0,(X19+W19)*0.5*'User Parameters'!C$50,(X19+W19)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.52692971577167602,634.42282574248929,334.29623924755344,0.52692971577167602,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B20*'User Parameters'!$C$15","v":6.3442282574248932},243.78235823751095,0.38425849188544425,0.5322522381532081,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S20+C20+'User Parameters'!$C$12)/(B20-F20)","v":0.5322522381532081},{"$f":"IF(T20<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T20>'User Parameters'!$J$6,'User Parameters'!$J$6,T20))","v":0.9},230.97449848900453,0.36407028422832399,{"$f":"(B20-C20-F20-E20-S20-V20)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X20+W20)>0,(X20+W20)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X20+W20)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,1,0,0,0,{"$f":"IF($AA20<-'Results Dashboard'!$J$7,$AA20+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA20<-'Results Dashboard'!$J$8,$AA20+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA20<-'Results Dashboard'!$J$9,$AA20+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA20<-'Results Dashboard'!$J$11,$AA20+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA20<-'Results Dashboard'!$J$10,$AA20+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X20+W20)>0,(X20+W20)*0.5*'User Parameters'!C$50,(X20+W20)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.53192971577167603,634.42282574248929,337.4683533762659,0.53192971577167603,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B21*'User Parameters'!$C$15","v":6.3442282574248932},240.6102441087985,0.37925849188544425,0.53730274320371318,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S21+C21+'User Parameters'!$C$12)/(B21-F21)","v":0.53730274320371318},{"$f":"IF(T21<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T21>'User Parameters'!$J$6,'User Parameters'!$J$6,T21))","v":0.9},227.80238436029208,0.35907028422832399,{"$f":"(B21-C21-F21-E21-S21-V21)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X21+W21)>0,(X21+W21)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X21+W21)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,1,0,0,0,{"$f":"IF($AA21<-'Results Dashboard'!$J$7,$AA21+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA21<-'Results Dashboard'!$J$8,$AA21+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA21<-'Results Dashboard'!$J$9,$AA21+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA21<-'Results Dashboard'!$J$11,$AA21+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA21<-'Results Dashboard'!$J$10,$AA21+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X21+W21)>0,(X21+W21)*0.5*'User Parameters'!C$50,(X21+W21)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.53692971577167603,634.42282574248929,340.64046750497835,0.53692971577167603,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B22*'User Parameters'!$C$15","v":6.3442282574248932},237.43812998008605,0.37425849188544424,0.54235324825421827,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S22+C22+'User Parameters'!$C$12)/(B22-F22)","v":0.54235324825421827},{"$f":"IF(T22<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T22>'User Parameters'!$J$6,'User Parameters'!$J$6,T22))","v":0.9},224.6302702315796,0.35407028422832393,{"$f":"(B22-C22-F22-E22-S22-V22)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X22+W22)>0,(X22+W22)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X22+W22)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,1,0,0,0,{"$f":"IF($AA22<-'Results Dashboard'!$J$7,$AA22+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA22<-'Results Dashboard'!$J$8,$AA22+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA22<-'Results Dashboard'!$J$9,$AA22+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA22<-'Results Dashboard'!$J$11,$AA22+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA22<-'Results Dashboard'!$J$10,$AA22+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X22+W22)>0,(X22+W22)*0.5*'User Parameters'!C$50,(X22+W22)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.54192971577167603,634.42282574248929,343.8125816336908,0.54192971577167603,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B23*'User Parameters'!$C$15","v":6.3442282574248932},234.2660158513736,0.36925849188544424,0.54740375330472335,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S23+C23+'User Parameters'!$C$12)/(B23-F23)","v":0.54740375330472335},{"$f":"IF(T23<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T23>'User Parameters'!$J$6,'User Parameters'!$J$6,T23))","v":0.9},221.45815610286715,0.34907028422832392,{"$f":"(B23-C23-F23-E23-S23-V23)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X23+W23)>0,(X23+W23)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X23+W23)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,1,0,0,0,{"$f":"IF($AA23<-'Results Dashboard'!$J$7,$AA23+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA23<-'Results Dashboard'!$J$8,$AA23+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA23<-'Results Dashboard'!$J$9,$AA23+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA23<-'Results Dashboard'!$J$11,$AA23+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA23<-'Results Dashboard'!$J$10,$AA23+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X23+W23)>0,(X23+W23)*0.5*'User Parameters'!C$50,(X23+W23)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.54692971577167604,634.42282574248929,346.98469576240325,0.54692971577167604,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B24*'User Parameters'!$C$15","v":6.3442282574248932},231.09390172266114,0.36425849188544424,0.55245425835522832,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S24+C24+'User Parameters'!$C$12)/(B24-F24)","v":0.55245425835522832},{"$f":"IF(T24<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T24>'User Parameters'!$J$6,'User Parameters'!$J$6,T24))","v":0.9},218.28604197415476,0.34407028422832397,{"$f":"(B24-C24-F24-E24-S24-V24)/'Results Dashboard'!$D$43","v":2.018820765712025E-2},{"$f":"IF((X24+W24)>0,(X24+W24)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X24+W24)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2,1,0,0,0,{"$f":"IF($AA24<-'Results Dashboard'!$J$7,$AA24+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA24<-'Results Dashboard'!$J$8,$AA24+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA24<-'Results Dashboard'!$J$9,$AA24+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA24<-'Results Dashboard'!$J$11,$AA24+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA24<-'Results Dashboard'!$J$10,$AA24+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X24+W24)>0,(X24+W24)*0.5*'User Parameters'!C$50,(X24+W24)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2]
[0.55192971577167604,634.42282574248929,350.1568098911157,0.55192971577167604,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B25*'User Parameters'!$C$15","v":6.3442282574248932},227.92178759394869,0.35925849188544423,0.55750476340573341,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S25+C25+'User Parameters'!$C$12)/(B25-F25)","v":0.55750476340573341},{"$f":"IF(T25<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T25>'User Parameters'!$J$6,'User Parameters'!$J$6,T25))","v":0.9},215.11392784544228,0.33907028422832391,{"$f":"(B25-C25-F25-E25-S25-V25)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X25+W25)>0,(X25+W25)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X25+W25)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,1,0,0,0,{"$f":"IF($AA25<-'Results Dashboard'!$J$7,$AA25+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA25<-'Results Dashboard'!$J$8,$AA25+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA25<-'Results Dashboard'!$J$9,$AA25+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA25<-'Results Dashboard'!$J$11,$AA25+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA25<-'Results Dashboard'!$J$10,$AA25+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X25+W25)>0,(X25+W25)*0.5*'User Parameters'!C$50,(X25+W25)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.55692971577167605,634.42282574248929,353.32892401982815,0.55692971577167605,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B26*'User Parameters'!$C$15","v":6.3442282574248932},224.74967346523624,0.35425849188544423,0.56255526845623849,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S26+C26+'User Parameters'!$C$12)/(B26-F26)","v":0.56255526845623849},{"$f":"IF(T26<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T26>'User Parameters'!$J$6,'User Parameters'!$J$6,T26))","v":0.9},211.94181371672983,0.33407028422832391,{"$f":"(B26-C26-F26-E26-S26-V26)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X26+W26)>0,(X26+W26)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X26+W26)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,1,0,0,0,{"$f":"IF($AA26<-'Results Dashboard'!$J$7,$AA26+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA26<-'Results Dashboard'!$J$8,$AA26+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA26<-'Results Dashboard'!$J$9,$AA26+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA26<-'Results Dashboard'!$J$11,$AA26+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA26<-'Results Dashboard'!$J$10,$AA26+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X26+W26)>0,(X26+W26)*0.5*'User Parameters'!C$50,(X26+W26)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.56192971577167605,634.42282574248929,356.5010381485406,0.56192971577167605,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B27*'User Parameters'!$C$15","v":6.3442282574248932},221.57755933652379,0.34925849188544422,0.56760577350674357,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S27+C27+'User Parameters'!$C$12)/(B27-F27)","v":0.56760577350674357},{"$f":"IF(T27<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T27>'User Parameters'!$J$6,'User Parameters'!$J$6,T27))","v":0.9},208.76969958801735,0.32907028422832391,{"$f":"(B27-C27-F27-E27-S27-V27)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X27+W27)>0,(X27+W27)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X27+W27)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,1,0,0,0,{"$f":"IF($AA27<-'Results Dashboard'!$J$7,$AA27+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA27<-'Results Dashboard'!$J$8,$AA27+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA27<-'Results Dashboard'!$J$9,$AA27+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA27<-'Results Dashboard'!$J$11,$AA27+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA27<-'Results Dashboard'!$J$10,$AA27+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X27+W27)>0,(X27+W27)*0.5*'User Parameters'!C$50,(X27+W27)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.56692971577167606,634.42282574248929,359.673152277253,0.56692971577167606,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B28*'User Parameters'!$C$15","v":6.3442282574248932},218.4054452078114,0.34425849188544433,0.57265627855724854,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S28+C28+'User Parameters'!$C$12)/(B28-F28)","v":0.57265627855724854},{"$f":"IF(T28<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T28>'User Parameters'!$J$6,'User Parameters'!$J$6,T28))","v":0.9},205.59758545930495,0.32407028422832396,{"$f":"(B28-C28-F28-E28-S28-V28)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X28+W28)>0,(X28+W28)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X28+W28)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,1,0,0,0,{"$f":"IF($AA28<-'Results Dashboard'!$J$7,$AA28+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA28<-'Results Dashboard'!$J$8,$AA28+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA28<-'Results Dashboard'!$J$9,$AA28+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA28<-'Results Dashboard'!$J$11,$AA28+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA28<-'Results Dashboard'!$J$10,$AA28+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X28+W28)>0,(X28+W28)*0.5*'User Parameters'!C$50,(X28+W28)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.57192971577167606,634.42282574248929,362.84526640596545,0.57192971577167606,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B29*'User Parameters'!$C$15","v":6.3442282574248932},215.23333107909895,0.33925849188544432,0.57770678360775352,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S29+C29+'User Parameters'!$C$12)/(B29-F29)","v":0.57770678360775352},{"$f":"IF(T29<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T29>'User Parameters'!$J$6,'User Parameters'!$J$6,T29))","v":0.9},202.42547133059256,0.31907028422832406,{"$f":"(B29-C29-F29-E29-S29-V29)/'Results Dashboard'!$D$43","v":2.018820765712025E-2},{"$f":"IF((X29+W29)>0,(X29+W29)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X29+W29)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2,1,0,0,0,{"$f":"IF($AA29<-'Results Dashboard'!$J$7,$AA29+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA29<-'Results Dashboard'!$J$8,$AA29+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA29<-'Results Dashboard'!$J$9,$AA29+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA29<-'Results Dashboard'!$J$11,$AA29+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA29<-'Results Dashboard'!$J$10,$AA29+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X29+W29)>0,(X29+W29)*0.5*'User Parameters'!C$50,(X29+W29)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2]
[0.57692971577167607,634.42282574248929,366.0173805346779,0.57692971577167607,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B30*'User Parameters'!$C$15","v":6.3442282574248932},212.06121695038649,0.33425849188544426,0.5827572886582586,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S30+C30+'User Parameters'!$C$12)/(B30-F30)","v":0.5827572886582586},{"$f":"IF(T30<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T30>'User Parameters'!$J$6,'User Parameters'!$J$6,T30))","v":0.9},199.25335720188008,0.314070284228324,{"$f":"(B30-C30-F30-E30-S30-V30)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X30+W30)>0,(X30+W30)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X30+W30)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99999999999999989,0,0,0,{"$f":"IF($AA30<-'Results Dashboard'!$J$7,$AA30+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA30<-'Results Dashboard'!$J$8,$AA30+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA30<-'Results Dashboard'!$J$9,$AA30+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA30<-'Results Dashboard'!$J$11,$AA30+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA30<-'Results Dashboard'!$J$10,$AA30+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X30+W30)>0,(X30+W30)*0.5*'User Parameters'!C$50,(X30+W30)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.58192971577167607,634.42282574248929,369.18949466339035,0.58192971577167607,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B31*'User Parameters'!$C$15","v":6.3442282574248932},208.88910282167404,0.32925849188544426,0.58780779370876368,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S31+C31+'User Parameters'!$C$12)/(B31-F31)","v":0.58780779370876368},{"$f":"IF(T31<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T31>'User Parameters'!$J$6,'User Parameters'!$J$6,T31))","v":0.9},196.08124307316763,0.309070284228324,{"$f":"(B31-C31-F31-E31-S31-V31)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X31+W31)>0,(X31+W31)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X31+W31)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99999999999999967,0,0,0,{"$f":"IF($AA31<-'Results Dashboard'!$J$7,$AA31+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA31<-'Results Dashboard'!$J$8,$AA31+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA31<-'Results Dashboard'!$J$9,$AA31+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA31<-'Results Dashboard'!$J$11,$AA31+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA31<-'Results Dashboard'!$J$10,$AA31+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X31+W31)>0,(X31+W31)*0.5*'User Parameters'!C$50,(X31+W31)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.58692971577167607,634.42282574248929,372.3616087921028,0.58692971577167607,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B32*'User Parameters'!$C$15","v":6.3442282574248932},205.71698869296159,0.32425849188544426,0.59285829875926876,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S32+C32+'User Parameters'!$C$12)/(B32-F32)","v":0.59285829875926876},{"$f":"IF(T32<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T32>'User Parameters'!$J$6,'User Parameters'!$J$6,T32))","v":0.9},192.90912894445515,0.30407028422832394,{"$f":"(B32-C32-F32-E32-S32-V32)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X32+W32)>0,(X32+W32)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X32+W32)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99999999999999889,2.2204460492503131E-15,2.2204460492503131E-15,2.2204460492503131E-15,{"$f":"IF($AA32<-'Results Dashboard'!$J$7,$AA32+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA32<-'Results Dashboard'!$J$8,$AA32+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA32<-'Results Dashboard'!$J$9,$AA32+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA32<-'Results Dashboard'!$J$11,$AA32+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA32<-'Results Dashboard'!$J$10,$AA32+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X32+W32)>0,(X32+W32)*0.5*'User Parameters'!C$50,(X32+W32)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.59192971577167608,634.42282574248929,375.53372292081525,0.59192971577167608,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B33*'User Parameters'!$C$15","v":6.3442282574248932},202.54487456424914,0.31925849188544425,0.59790880380977385,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S33+C33+'User Parameters'!$C$12)/(B33-F33)","v":0.59790880380977385},{"$f":"IF(T33<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T33>'User Parameters'!$J$6,'User Parameters'!$J$6,T33))","v":0.9},189.7370148157427,0.29907028422832393,{"$f":"(B33-C33-F33-E33-S33-V33)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X33+W33)>0,(X33+W33)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X33+W33)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99999999999999667,6.6613381477509392E-15,6.6613381477509392E-15,6.6613381477509392E-15,{"$f":"IF($AA33<-'Results Dashboard'!$J$7,$AA33+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA33<-'Results Dashboard'!$J$8,$AA33+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA33<-'Results Dashboard'!$J$9,$AA33+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA33<-'Results Dashboard'!$J$11,$AA33+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA33<-'Results Dashboard'!$J$10,$AA33+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X33+W33)>0,(X33+W33)*0.5*'User Parameters'!C$50,(X33+W33)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.59692971577167608,634.42282574248929,378.7058370495277,0.59692971577167608,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B34*'User Parameters'!$C$15","v":6.3442282574248932},199.37276043553669,0.31425849188544425,0.60295930886027882,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S34+C34+'User Parameters'!$C$12)/(B34-F34)","v":0.60295930886027882},{"$f":"IF(T34<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T34>'User Parameters'!$J$6,'User Parameters'!$J$6,T34))","v":0.9},186.56490068703027,0.29407028422832399,{"$f":"(B34-C34-F34-E34-S34-V34)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X34+W34)>0,(X34+W34)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X34+W34)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99999999999999001,1.9761969838327786E-14,1.9761969838327786E-14,1.9761969838327786E-14,{"$f":"IF($AA34<-'Results Dashboard'!$J$7,$AA34+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA34<-'Results Dashboard'!$J$8,$AA34+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA34<-'Results Dashboard'!$J$9,$AA34+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA34<-'Results Dashboard'!$J$11,$AA34+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA34<-'Results Dashboard'!$J$10,$AA34+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X34+W34)>0,(X34+W34)*0.5*'User Parameters'!C$50,(X34+W34)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.60192971577167609,634.42282574248929,381.87795117824015,0.60192971577167609,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B35*'User Parameters'!$C$15","v":6.3442282574248932},196.20064630682424,0.30925849188544424,0.6080098139107839,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S35+C35+'User Parameters'!$C$12)/(B35-F35)","v":0.6080098139107839},{"$f":"IF(T35<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T35>'User Parameters'!$J$6,'User Parameters'!$J$6,T35))","v":0.9},183.39278655831782,0.28907028422832398,{"$f":"(B35-C35-F35-E35-S35-V35)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X35+W35)>0,(X35+W35)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X35+W35)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99999999999997025,5.7176485768195562E-14,5.7176485768195562E-14,5.7176485768195562E-14,{"$f":"IF($AA35<-'Results Dashboard'!$J$7,$AA35+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA35<-'Results Dashboard'!$J$8,$AA35+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA35<-'Results Dashboard'!$J$9,$AA35+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA35<-'Results Dashboard'!$J$11,$AA35+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA35<-'Results Dashboard'!$J$10,$AA35+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X35+W35)>0,(X35+W35)*0.5*'User Parameters'!C$50,(X35+W35)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.60692971577167609,634.42282574248929,385.0500653069526,0.60692971577167609,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B36*'User Parameters'!$C$15","v":6.3442282574248932},193.02853217811179,0.30425849188544424,0.61306031896128899,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S36+C36+'User Parameters'!$C$12)/(B36-F36)","v":0.61306031896128899},{"$f":"IF(T36<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T36>'User Parameters'!$J$6,'User Parameters'!$J$6,T36))","v":0.9},180.22067242960534,0.28407028422832392,{"$f":"(B36-C36-F36-E36-S36-V36)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X36+W36)>0,(X36+W36)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X36+W36)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99999999999991307,1.6231460620019789E-13,1.6231460620019789E-13,1.6231460620019789E-13,{"$f":"IF($AA36<-'Results Dashboard'!$J$7,$AA36+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA36<-'Results Dashboard'!$J$8,$AA36+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA36<-'Results Dashboard'!$J$9,$AA36+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA36<-'Results Dashboard'!$J$11,$AA36+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA36<-'Results Dashboard'!$J$10,$AA36+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X36+W36)>0,(X36+W36)*0.5*'User Parameters'!C$50,(X36+W36)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.6119297157716761,634.42282574248929,388.22217943566505,0.6119297157716761,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B37*'User Parameters'!$C$15","v":6.3442282574248932},189.85641804939934,0.29925849188544423,0.61811082401179407,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S37+C37+'User Parameters'!$C$12)/(B37-F37)","v":0.61811082401179407},{"$f":"IF(T37<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T37>'User Parameters'!$J$6,'User Parameters'!$J$6,T37))","v":0.9},177.04855830089289,0.27907028422832392,{"$f":"(B37-C37-F37-E37-S37-V37)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X37+W37)>0,(X37+W37)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X37+W37)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99999999999975075,4.5075054799781356E-13,4.5075054799781356E-13,4.5075054799781356E-13,{"$f":"IF($AA37<-'Results Dashboard'!$J$7,$AA37+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA37<-'Results Dashboard'!$J$8,$AA37+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA37<-'Results Dashboard'!$J$9,$AA37+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA37<-'Results Dashboard'!$J$11,$AA37+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA37<-'Results Dashboard'!$J$10,$AA37+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X37+W37)>0,(X37+W37)*0.5*'User Parameters'!C$50,(X37+W37)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.6169297157716761,634.42282574248929,391.39429356437751,0.6169297157716761,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B38*'User Parameters'!$C$15","v":6.3442282574248932},186.68430392068689,0.29425849188544423,0.62316132906229904,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S38+C38+'User Parameters'!$C$12)/(B38-F38)","v":0.62316132906229904},{"$f":"IF(T38<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T38>'User Parameters'!$J$6,'User Parameters'!$J$6,T38))","v":0.9},173.8764441721805,0.27407028422832397,{"$f":"(B38-C38-F38-E38-S38-V38)/'Results Dashboard'!$D$43","v":2.018820765712025E-2},{"$f":"IF((X38+W38)>0,(X38+W38)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X38+W38)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2,0.9999999999993,1.2277956429329606E-12,1.2277956429329606E-12,1.2277956429329606E-12,{"$f":"IF($AA38<-'Results Dashboard'!$J$7,$AA38+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA38<-'Results Dashboard'!$J$8,$AA38+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA38<-'Results Dashboard'!$J$9,$AA38+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA38<-'Results Dashboard'!$J$11,$AA38+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA38<-'Results Dashboard'!$J$10,$AA38+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X38+W38)>0,(X38+W38)*0.5*'User Parameters'!C$50,(X38+W38)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2]
[0.62192971577167611,634.42282574248929,394.56640769308996,0.62192971577167611,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B39*'User Parameters'!$C$15","v":6.3442282574248932},183.51218979197444,0.28925849188544422,0.62821183411280412,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S39+C39+'User Parameters'!$C$12)/(B39-F39)","v":0.62821183411280412},{"$f":"IF(T39<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T39>'User Parameters'!$J$6,'User Parameters'!$J$6,T39))","v":0.9},170.70433004346802,0.26907028422832391,{"$f":"(B39-C39-F39-E39-S39-V39)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X39+W39)>0,(X39+W39)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X39+W39)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99999999999807221,3.2779334802057747E-12,3.2779334802057747E-12,3.2779334802057747E-12,{"$f":"IF($AA39<-'Results Dashboard'!$J$7,$AA39+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA39<-'Results Dashboard'!$J$8,$AA39+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA39<-'Results Dashboard'!$J$9,$AA39+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA39<-'Results Dashboard'!$J$11,$AA39+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA39<-'Results Dashboard'!$J$10,$AA39+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X39+W39)>0,(X39+W39)*0.5*'User Parameters'!C$50,(X39+W39)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.62692971577167611,634.42282574248929,397.73852182180241,0.62692971577167611,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B40*'User Parameters'!$C$15","v":6.3442282574248932},180.34007566326198,0.28425849188544422,0.63326233916330921,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},{"$f":"IF(UP_RSBasis=\"MLR\",J40-I40,IF(UP_RSBasis=\"Medical Baseline\",J40-$C40,0))","v":0},0,0,0,0,0,0,{"$f":"IF(UP_RSBasis=\"MLR\",SUMPRODUCT(L$4:Q$4,L40:Q40),\"\")","v":""},{"$f":"IF(UP_RSBasis=\"MLR\",R40*(B40-F40),SUMPRODUCT($L$4:$Q$4,$L40:$Q40))","v":0},{"$f":"(S40+C40+'User Parameters'!$C$12)/(B40-F40)","v":0.63326233916330921},{"$f":"IF(T40<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T40>'User Parameters'!$J$6,'User Parameters'!$J$6,T40))","v":0.9},{"$f":"(U40-T40)*(B40-F40)","v":167.53221591475557},{"$f":"V40/B40","v":0.2640702842283239},{"$f":"(B40-C40-F40-E40-S40-V40)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X40+W40)>0,(X40+W40)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X40+W40)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,{"$f":"_xlfn.NORM.DIST(H40,$AD$2,$AD$3,TRUE)","v":0.99999999999479428},8.5776941105564219E-12,8.5776941105564219E-12,8.5776941105564219E-12,{"$f":"IF($AA40<-'Results Dashboard'!$J$7,$AA40+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA40<-'Results Dashboard'!$J$8,$AA40+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA40<-'Results Dashboard'!$J$9,$AA40+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA40<-'Results Dashboard'!$J$11,$AA40+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA40<-'Results Dashboard'!$J$10,$AA40+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X40+W40)>0,(X40+W40)*0.5*'User Parameters'!C$50,(X40+W40)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.63192971577167611,634.42282574248929,400.91063595051486,0.63192971577167611,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B41*'User Parameters'!$C$15","v":6.3442282574248932},177.16796153454953,0.27925849188544422,0.63831284421381429,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S41+C41+'User Parameters'!$C$12)/(B41-F41)","v":0.63831284421381429},{"$f":"IF(T41<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T41>'User Parameters'!$J$6,'User Parameters'!$J$6,T41))","v":0.9},164.36010178604309,0.2590702842283239,{"$f":"(B41-C41-F41-E41-S41-V41)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X41+W41)>0,(X41+W41)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X41+W41)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99999999998621658,2.200051252287949E-11,2.200051252287949E-11,2.200051252287949E-11,{"$f":"IF($AA41<-'Results Dashboard'!$J$7,$AA41+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA41<-'Results Dashboard'!$J$8,$AA41+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA41<-'Results Dashboard'!$J$9,$AA41+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA41<-'Results Dashboard'!$J$11,$AA41+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA41<-'Results Dashboard'!$J$10,$AA41+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X41+W41)>0,(X41+W41)*0.5*'User Parameters'!C$50,(X41+W41)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.63692971577167612,634.42282574248929,404.08275007922731,0.63692971577167612,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B42*'User Parameters'!$C$15","v":6.3442282574248932},173.99584740583708,0.27425849188544421,0.64336334926431926,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S42+C42+'User Parameters'!$C$12)/(B42-F42)","v":0.64336334926431926},{"$f":"IF(T42<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T42>'User Parameters'!$J$6,'User Parameters'!$J$6,T42))","v":0.9},161.18798765733069,0.25407028422832395,{"$f":"(B42-C42-F42-E42-S42-V42)/'Results Dashboard'!$D$43","v":2.018820765712025E-2},{"$f":"IF((X42+W42)>0,(X42+W42)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X42+W42)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2,0.99999999996421607,5.5308646551566198E-11,5.5308646551566198E-11,5.5308646551566198E-11,{"$f":"IF($AA42<-'Results Dashboard'!$J$7,$AA42+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA42<-'Results Dashboard'!$J$8,$AA42+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA42<-'Results Dashboard'!$J$9,$AA42+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA42<-'Results Dashboard'!$J$11,$AA42+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA42<-'Results Dashboard'!$J$10,$AA42+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X42+W42)>0,(X42+W42)*0.5*'User Parameters'!C$50,(X42+W42)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2]
[0.64192971577167612,634.42282574248929,407.25486420793976,0.64192971577167612,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B43*'User Parameters'!$C$15","v":6.3442282574248932},170.82373327712463,0.26925849188544421,0.64841385431482434,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S43+C43+'User Parameters'!$C$12)/(B43-F43)","v":0.64841385431482434},{"$f":"IF(T43<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T43>'User Parameters'!$J$6,'User Parameters'!$J$6,T43))","v":0.9},158.01587352861822,0.24907028422832389,{"$f":"(B43-C43-F43-E43-S43-V43)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X43+W43)>0,(X43+W43)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X43+W43)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99999999990890742,1.3628498329865124E-10,1.3628498329865124E-10,1.3628498329865124E-10,{"$f":"IF($AA43<-'Results Dashboard'!$J$7,$AA43+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA43<-'Results Dashboard'!$J$8,$AA43+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA43<-'Results Dashboard'!$J$9,$AA43+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA43<-'Results Dashboard'!$J$11,$AA43+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA43<-'Results Dashboard'!$J$10,$AA43+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X43+W43)>0,(X43+W43)*0.5*'User Parameters'!C$50,(X43+W43)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.64692971577167613,634.42282574248929,410.42697833665221,0.64692971577167613,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B44*'User Parameters'!$C$15","v":6.3442282574248932},167.65161914841218,0.2642584918854442,0.65346435936532943,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S44+C44+'User Parameters'!$C$12)/(B44-F44)","v":0.65346435936532943},{"$f":"IF(T44<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T44>'User Parameters'!$J$6,'User Parameters'!$J$6,T44))","v":0.9},154.84375939990576,0.24407028422832389,{"$f":"(B44-C44-F44-E44-S44-V44)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X44+W44)>0,(X44+W44)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X44+W44)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99999999977262244,3.2915448144876791E-10,3.2915448144876791E-10,3.2915448144876791E-10,{"$f":"IF($AA44<-'Results Dashboard'!$J$7,$AA44+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA44<-'Results Dashboard'!$J$8,$AA44+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA44<-'Results Dashboard'!$J$9,$AA44+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA44<-'Results Dashboard'!$J$11,$AA44+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA44<-'Results Dashboard'!$J$10,$AA44+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X44+W44)>0,(X44+W44)*0.5*'User Parameters'!C$50,(X44+W44)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.65192971577167613,634.42282574248929,413.59909246536466,0.65192971577167613,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B45*'User Parameters'!$C$15","v":6.3442282574248932},164.47950501969973,0.2592584918854442,0.65851486441583451,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S45+C45+'User Parameters'!$C$12)/(B45-F45)","v":0.65851486441583451},{"$f":"IF(T45<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T45>'User Parameters'!$J$6,'User Parameters'!$J$6,T45))","v":0.9},151.67164527119328,0.23907028422832385,{"$f":"(B45-C45-F45-E45-S45-V45)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X45+W45)>0,(X45+W45)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X45+W45)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99999999944346796,7.7919770635759278E-10,7.7919770635759278E-10,7.7919770635759278E-10,{"$f":"IF($AA45<-'Results Dashboard'!$J$7,$AA45+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA45<-'Results Dashboard'!$J$8,$AA45+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA45<-'Results Dashboard'!$J$9,$AA45+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA45<-'Results Dashboard'!$J$11,$AA45+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA45<-'Results Dashboard'!$J$10,$AA45+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X45+W45)>0,(X45+W45)*0.5*'User Parameters'!C$50,(X45+W45)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.65692971577167614,634.42282574248929,416.77120659407711,0.65692971577167614,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B46*'User Parameters'!$C$15","v":6.3442282574248932},161.30739089098728,0.25425849188544419,0.66356536946633959,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S46+C46+'User Parameters'!$C$12)/(B46-F46)","v":0.66356536946633959},{"$f":"IF(T46<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T46>'User Parameters'!$J$6,'User Parameters'!$J$6,T46))","v":0.9},148.49953114248083,0.23407028422832385,{"$f":"(B46-C46-F46-E46-S46-V46)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X46+W46)>0,(X46+W46)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X46+W46)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99999999866427025,1.8079722163832912E-9,1.8079722163832912E-9,1.8079722163832912E-9,{"$f":"IF($AA46<-'Results Dashboard'!$J$7,$AA46+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA46<-'Results Dashboard'!$J$8,$AA46+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA46<-'Results Dashboard'!$J$9,$AA46+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA46<-'Results Dashboard'!$J$11,$AA46+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA46<-'Results Dashboard'!$J$10,$AA46+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X46+W46)>0,(X46+W46)*0.5*'User Parameters'!C$50,(X46+W46)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.66192971577167614,634.42282574248929,419.94332072278957,0.66192971577167614,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B47*'User Parameters'!$C$15","v":6.3442282574248932},158.13527676227483,0.24925849188544416,0.66861587451684457,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S47+C47+'User Parameters'!$C$12)/(B47-F47)","v":0.66861587451684457},{"$f":"IF(T47<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T47>'User Parameters'!$J$6,'User Parameters'!$J$6,T47))","v":0.9},145.32741701376844,0.22907028422832393,{"$f":"(B47-C47-F47-E47-S47-V47)/'Results Dashboard'!$D$43","v":2.018820765712025E-2},{"$f":"IF((X47+W47)>0,(X47+W47)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X47+W47)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2,0.99999999685629803,4.1118008997642619E-9,4.1118008997642619E-9,4.1118008997642619E-9,{"$f":"IF($AA47<-'Results Dashboard'!$J$7,$AA47+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA47<-'Results Dashboard'!$J$8,$AA47+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA47<-'Results Dashboard'!$J$9,$AA47+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA47<-'Results Dashboard'!$J$11,$AA47+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA47<-'Results Dashboard'!$J$10,$AA47+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X47+W47)>0,(X47+W47)*0.5*'User Parameters'!C$50,(X47+W47)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2]
[0.66692971577167615,634.42282574248929,423.11543485150202,0.66692971577167615,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B48*'User Parameters'!$C$15","v":6.3442282574248932},154.96316263356238,0.24425849188544416,0.67366637956734965,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S48+C48+'User Parameters'!$C$12)/(B48-F48)","v":0.67366637956734965},{"$f":"IF(T48<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T48>'User Parameters'!$J$6,'User Parameters'!$J$6,T48))","v":0.9},142.15530288505596,0.22407028422832387,{"$f":"(B48-C48-F48-E48-S48-V48)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X48+W48)>0,(X48+W48)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X48+W48)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99999999274449713,9.1657642586895349E-9,9.1657642586895349E-9,9.1657642586895349E-9,{"$f":"IF($AA48<-'Results Dashboard'!$J$7,$AA48+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA48<-'Results Dashboard'!$J$8,$AA48+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA48<-'Results Dashboard'!$J$9,$AA48+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA48<-'Results Dashboard'!$J$11,$AA48+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA48<-'Results Dashboard'!$J$10,$AA48+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X48+W48)>0,(X48+W48)*0.5*'User Parameters'!C$50,(X48+W48)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.67192971577167615,634.42282574248929,426.28754898021447,0.67192971577167615,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B49*'User Parameters'!$C$15","v":6.3442282574248932},151.79104850484993,0.23925849188544415,0.67871688461785473,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S49+C49+'User Parameters'!$C$12)/(B49-F49)","v":0.67871688461785473},{"$f":"IF(T49<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T49>'User Parameters'!$J$6,'User Parameters'!$J$6,T49))","v":0.9},138.98318875634348,0.21907028422832381,{"$f":"(B49-C49-F49-E49-S49-V49)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X49+W49)>0,(X49+W49)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X49+W49)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99999998357873288,2.0026339697665207E-8,2.0026339697665207E-8,2.0026339697665207E-8,{"$f":"IF($AA49<-'Results Dashboard'!$J$7,$AA49+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA49<-'Results Dashboard'!$J$8,$AA49+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA49<-'Results Dashboard'!$J$9,$AA49+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA49<-'Results Dashboard'!$J$11,$AA49+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA49<-'Results Dashboard'!$J$10,$AA49+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X49+W49)>0,(X49+W49)*0.5*'User Parameters'!C$50,(X49+W49)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.67692971577167615,634.42282574248929,429.45966310892692,0.67692971577167615,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B50*'User Parameters'!$C$15","v":6.3442282574248932},148.61893437613747,0.23425849188544415,0.68376738966835982,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S50+C50+'User Parameters'!$C$12)/(B50-F50)","v":0.68376738966835982},{"$f":"IF(T50<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T50>'User Parameters'!$J$6,'User Parameters'!$J$6,T50))","v":0.9},135.81107462763103,0.2140702842283238,{"$f":"(B50-C50-F50-E50-S50-V50)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X50+W50)>0,(X50+W50)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X50+W50)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99999996355239318,4.2887505657951408E-8,4.2887505657951408E-8,4.2887505657951408E-8,{"$f":"IF($AA50<-'Results Dashboard'!$J$7,$AA50+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA50<-'Results Dashboard'!$J$8,$AA50+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA50<-'Results Dashboard'!$J$9,$AA50+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA50<-'Results Dashboard'!$J$11,$AA50+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA50<-'Results Dashboard'!$J$10,$AA50+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X50+W50)>0,(X50+W50)*0.5*'User Parameters'!C$50,(X50+W50)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.68192971577167616,634.42282574248929,432.63177723763937,0.68192971577167616,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B51*'User Parameters'!$C$15","v":6.3442282574248932},145.44682024742502,0.22925849188544414,0.68881789471886479,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S51+C51+'User Parameters'!$C$12)/(B51-F51)","v":0.68881789471886479},{"$f":"IF(T51<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T51>'User Parameters'!$J$6,'User Parameters'!$J$6,T51))","v":0.9},132.63896049891864,0.20907028422832388,{"$f":"(B51-C51-F51-E51-S51-V51)/'Results Dashboard'!$D$43","v":2.018820765712025E-2},{"$f":"IF((X51+W51)>0,(X51+W51)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X51+W51)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2,0.99999992066488752,9.0023591470256292E-8,9.0023591470256292E-8,9.0023591470256292E-8,{"$f":"IF($AA51<-'Results Dashboard'!$J$7,$AA51+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA51<-'Results Dashboard'!$J$8,$AA51+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA51<-'Results Dashboard'!$J$9,$AA51+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA51<-'Results Dashboard'!$J$11,$AA51+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA51<-'Results Dashboard'!$J$10,$AA51+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X51+W51)>0,(X51+W51)*0.5*'User Parameters'!C$50,(X51+W51)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2]
[0.68692971577167616,634.42282574248929,435.80389136635182,0.68692971577167616,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B52*'User Parameters'!$C$15","v":6.3442282574248932},142.27470611871257,0.22425849188544414,0.69386839976936987,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S52+C52+'User Parameters'!$C$12)/(B52-F52)","v":0.69386839976936987},{"$f":"IF(T52<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T52>'User Parameters'!$J$6,'User Parameters'!$J$6,T52))","v":0.9},129.46684637020616,0.20407028422832385,{"$f":"(B52-C52-F52-E52-S52-V52)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X52+W52)>0,(X52+W52)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X52+W52)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99999983064129605,1.8521588784903287E-7,1.8521588784903287E-7,1.8521588784903287E-7,{"$f":"IF($AA52<-'Results Dashboard'!$J$7,$AA52+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA52<-'Results Dashboard'!$J$8,$AA52+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA52<-'Results Dashboard'!$J$9,$AA52+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA52<-'Results Dashboard'!$J$11,$AA52+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA52<-'Results Dashboard'!$J$10,$AA52+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X52+W52)>0,(X52+W52)*0.5*'User Parameters'!C$50,(X52+W52)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.69192971577167617,634.42282574248929,438.97600549506427,0.69192971577167617,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B53*'User Parameters'!$C$15","v":6.3442282574248932},139.10259199000012,0.21925849188544413,0.69891890481987495,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S53+C53+'User Parameters'!$C$12)/(B53-F53)","v":0.69891890481987495},{"$f":"IF(T53<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T53>'User Parameters'!$J$6,'User Parameters'!$J$6,T53))","v":0.9},126.29473224149369,0.19907028422832382,{"$f":"(B53-C53-F53-E53-S53-V53)/'Results Dashboard'!$D$43","v":2.0188207657120316E-2},{"$f":"IF((X53+W53)>0,(X53+W53)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X53+W53)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2,0.9999996454254082,3.7350508341749133E-7,3.7350508341749133E-7,3.7350508341749133E-7,{"$f":"IF($AA53<-'Results Dashboard'!$J$7,$AA53+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA53<-'Results Dashboard'!$J$8,$AA53+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA53<-'Results Dashboard'!$J$9,$AA53+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA53<-'Results Dashboard'!$J$11,$AA53+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA53<-'Results Dashboard'!$J$10,$AA53+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X53+W53)>0,(X53+W53)*0.5*'User Parameters'!C$50,(X53+W53)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2]
[0.69692971577167617,634.42282574248929,442.14811962377672,0.69692971577167617,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B54*'User Parameters'!$C$15","v":6.3442282574248932},135.93047786128767,0.21425849188544413,0.70396940987038004,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S54+C54+'User Parameters'!$C$12)/(B54-F54)","v":0.70396940987038004},{"$f":"IF(T54<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T54>'User Parameters'!$J$6,'User Parameters'!$J$6,T54))","v":0.9},123.12261811278123,0.19407028422832379,{"$f":"(B54-C54-F54-E54-S54-V54)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X54+W54)>0,(X54+W54)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X54+W54)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99999927192032478,7.3826315238889606E-7,7.3826315238889606E-7,7.3826315238889606E-7,{"$f":"IF($AA54<-'Results Dashboard'!$J$7,$AA54+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA54<-'Results Dashboard'!$J$8,$AA54+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA54<-'Results Dashboard'!$J$9,$AA54+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA54<-'Results Dashboard'!$J$11,$AA54+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA54<-'Results Dashboard'!$J$10,$AA54+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X54+W54)>0,(X54+W54)*0.5*'User Parameters'!C$50,(X54+W54)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.70192971577167618,634.42282574248929,445.32023375248917,0.70192971577167618,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B55*'User Parameters'!$C$15","v":6.3442282574248932},132.75836373257522,0.2092584918854441,0.70901991492088512,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S55+C55+'User Parameters'!$C$12)/(B55-F55)","v":0.70901991492088512},{"$f":"IF(T55<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T55>'User Parameters'!$J$6,'User Parameters'!$J$6,T55))","v":0.9},119.95050398406876,0.18907028422832375,{"$f":"(B55-C55-F55-E55-S55-V55)/'Results Dashboard'!$D$43","v":2.0188207657120361E-2},{"$f":"IF((X55+W55)>0,(X55+W55)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X55+W55)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120361E-2,0.99999853365717239,1.4302840121160898E-6,1.4302840121160898E-6,1.4302840121160898E-6,{"$f":"IF($AA55<-'Results Dashboard'!$J$7,$AA55+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA55<-'Results Dashboard'!$J$8,$AA55+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA55<-'Results Dashboard'!$J$9,$AA55+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA55<-'Results Dashboard'!$J$11,$AA55+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA55<-'Results Dashboard'!$J$10,$AA55+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X55+W55)>0,(X55+W55)*0.5*'User Parameters'!C$50,(X55+W55)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120361E-2]
[0.70692971577167618,634.42282574248929,448.49234788120162,0.70692971577167618,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B56*'User Parameters'!$C$15","v":6.3442282574248932},129.58624960386277,0.20425849188544409,0.71407041997139009,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S56+C56+'User Parameters'!$C$12)/(B56-F56)","v":0.71407041997139009},{"$f":"IF(T56<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T56>'User Parameters'!$J$6,'User Parameters'!$J$6,T56))","v":0.9},116.77838985535637,0.18407028422832383,{"$f":"(B56-C56-F56-E56-S56-V56)/'Results Dashboard'!$D$43","v":2.0188207657120271E-2},{"$f":"IF((X56+W56)>0,(X56+W56)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X56+W56)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120271E-2,0.99999710337316028,2.716000276237196E-6,2.716000276237196E-6,2.716000276237196E-6,{"$f":"IF($AA56<-'Results Dashboard'!$J$7,$AA56+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA56<-'Results Dashboard'!$J$8,$AA56+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA56<-'Results Dashboard'!$J$9,$AA56+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA56<-'Results Dashboard'!$J$11,$AA56+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA56<-'Results Dashboard'!$J$10,$AA56+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X56+W56)>0,(X56+W56)*0.5*'User Parameters'!C$50,(X56+W56)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120271E-2]
[0.71192971577167619,634.42282574248929,451.66446200991408,0.71192971577167619,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B57*'User Parameters'!$C$15","v":6.3442282574248932},126.41413547515033,0.19925849188544412,0.71912092502189517,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S57+C57+'User Parameters'!$C$12)/(B57-F57)","v":0.71912092502189517},{"$f":"IF(T57<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T57>'User Parameters'!$J$6,'User Parameters'!$J$6,T57))","v":0.9},113.6062757266439,0.1790702842283238,{"$f":"(B57-C57-F57-E57-S57-V57)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X57+W57)>0,(X57+W57)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X57+W57)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99999438737288404,5.0551469868986842E-6,5.0551469868986842E-6,5.0551469868986842E-6,{"$f":"IF($AA57<-'Results Dashboard'!$J$7,$AA57+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA57<-'Results Dashboard'!$J$8,$AA57+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA57<-'Results Dashboard'!$J$9,$AA57+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA57<-'Results Dashboard'!$J$11,$AA57+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA57<-'Results Dashboard'!$J$10,$AA57+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X57+W57)>0,(X57+W57)*0.5*'User Parameters'!C$50,(X57+W57)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.71692971577167619,634.42282574248929,454.83657613862653,0.71692971577167619,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B58*'User Parameters'!$C$15","v":6.3442282574248932},123.24202134643788,0.19425849188544411,0.72417143007240026,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S58+C58+'User Parameters'!$C$12)/(B58-F58)","v":0.72417143007240026},{"$f":"IF(T58<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T58>'User Parameters'!$J$6,'User Parameters'!$J$6,T58))","v":0.9},110.43416159793144,0.17407028422832377,{"$f":"(B58-C58-F58-E58-S58-V58)/'Results Dashboard'!$D$43","v":2.0188207657120316E-2},{"$f":"IF((X58+W58)>0,(X58+W58)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X58+W58)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2,0.99998933222589714,9.2221936255354464E-6,9.2221936255354464E-6,9.2221936255354464E-6,{"$f":"IF($AA58<-'Results Dashboard'!$J$7,$AA58+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA58<-'Results Dashboard'!$J$8,$AA58+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA58<-'Results Dashboard'!$J$9,$AA58+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA58<-'Results Dashboard'!$J$11,$AA58+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA58<-'Results Dashboard'!$J$10,$AA58+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X58+W58)>0,(X58+W58)*0.5*'User Parameters'!C$50,(X58+W58)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2]
[0.72192971577167619,634.42282574248929,458.00869026733898,0.72192971577167619,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B59*'User Parameters'!$C$15","v":6.3442282574248932},120.06990721772543,0.18925849188544411,0.72922193512290534,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S59+C59+'User Parameters'!$C$12)/(B59-F59)","v":0.72922193512290534},{"$f":"IF(T59<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T59>'User Parameters'!$J$6,'User Parameters'!$J$6,T59))","v":0.9},107.26204746921897,0.16907028422832374,{"$f":"(B59-C59-F59-E59-S59-V59)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X59+W59)>0,(X59+W59)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X59+W59)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99998011003227161,1.6490399298851877E-5,1.6490399298851877E-5,1.6490399298851877E-5,{"$f":"IF($AA59<-'Results Dashboard'!$J$7,$AA59+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA59<-'Results Dashboard'!$J$8,$AA59+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA59<-'Results Dashboard'!$J$9,$AA59+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA59<-'Results Dashboard'!$J$11,$AA59+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA59<-'Results Dashboard'!$J$10,$AA59+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X59+W59)>0,(X59+W59)*0.5*'User Parameters'!C$50,(X59+W59)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.7269297157716762,634.42282574248929,461.18080439605143,0.7269297157716762,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B60*'User Parameters'!$C$15","v":6.3442282574248932},116.89779308901298,0.1842584918854441,0.73427244017341031,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S60+C60+'User Parameters'!$C$12)/(B60-F60)","v":0.73427244017341031},{"$f":"IF(T60<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T60>'User Parameters'!$J$6,'User Parameters'!$J$6,T60))","v":0.9},104.08993334050656,0.16407028422832381,{"$f":"(B60-C60-F60-E60-S60-V60)/'Results Dashboard'!$D$43","v":2.0188207657120271E-2},{"$f":"IF((X60+W60)>0,(X60+W60)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X60+W60)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120271E-2,0.99996361963297276,2.8901781346846178E-5,2.8901781346846178E-5,2.8901781346846178E-5,{"$f":"IF($AA60<-'Results Dashboard'!$J$7,$AA60+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA60<-'Results Dashboard'!$J$8,$AA60+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA60<-'Results Dashboard'!$J$9,$AA60+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA60<-'Results Dashboard'!$J$11,$AA60+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA60<-'Results Dashboard'!$J$10,$AA60+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X60+W60)>0,(X60+W60)*0.5*'User Parameters'!C$50,(X60+W60)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120271E-2]
[0.7319297157716762,634.42282574248929,464.35291852476382,0.7319297157716762,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B61*'User Parameters'!$C$15","v":6.3442282574248932},113.72567896030058,0.17925849188544418,0.73932294522391528,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S61+C61+'User Parameters'!$C$12)/(B61-F61)","v":0.73932294522391528},{"$f":"IF(T61<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T61>'User Parameters'!$J$6,'User Parameters'!$J$6,T61))","v":0.9},100.91781921179417,0.15907028422832389,{"$f":"(B61-C61-F61-E61-S61-V61)/'Results Dashboard'!$D$43","v":2.0188207657120271E-2},{"$f":"IF((X61+W61)>0,(X61+W61)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X61+W61)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120271E-2,0.99993471785162591,4.9649464671785992E-5,4.9649464671785992E-5,4.9649464671785992E-5,{"$f":"IF($AA61<-'Results Dashboard'!$J$7,$AA61+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA61<-'Results Dashboard'!$J$8,$AA61+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA61<-'Results Dashboard'!$J$9,$AA61+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA61<-'Results Dashboard'!$J$11,$AA61+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA61<-'Results Dashboard'!$J$10,$AA61+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X61+W61)>0,(X61+W61)*0.5*'User Parameters'!C$50,(X61+W61)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120271E-2]
[0.73692971577167621,634.42282574248929,467.52503265347627,0.73692971577167621,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B62*'User Parameters'!$C$15","v":6.3442282574248932},110.55356483158813,0.17425849188544418,0.74437345027442037,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S62+C62+'User Parameters'!$C$12)/(B62-F62)","v":0.74437345027442037},{"$f":"IF(T62<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T62>'User Parameters'!$J$6,'User Parameters'!$J$6,T62))","v":0.9},97.745705083081702,0.15407028422832386,{"$f":"(B62-C62-F62-E62-S62-V62)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X62+W62)>0,(X62+W62)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X62+W62)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99988506838695412,8.3598996559852701E-5,8.3598996559852701E-5,8.3598996559852701E-5,{"$f":"IF($AA62<-'Results Dashboard'!$J$7,$AA62+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA62<-'Results Dashboard'!$J$8,$AA62+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA62<-'Results Dashboard'!$J$9,$AA62+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA62<-'Results Dashboard'!$J$11,$AA62+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA62<-'Results Dashboard'!$J$10,$AA62+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X62+W62)>0,(X62+W62)*0.5*'User Parameters'!C$50,(X62+W62)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.74192971577167621,634.42282574248929,470.69714678218872,0.74192971577167621,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B63*'User Parameters'!$C$15","v":6.3442282574248932},107.38145070287568,0.16925849188544417,0.74942395532492545,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S63+C63+'User Parameters'!$C$12)/(B63-F63)","v":0.74942395532492545},{"$f":"IF(T63<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T63>'User Parameters'!$J$6,'User Parameters'!$J$6,T63))","v":0.9},94.573590954369237,0.14907028422832383,{"$f":"(B63-C63-F63-E63-S63-V63)/'Results Dashboard'!$D$43","v":2.0188207657120316E-2},{"$f":"IF((X63+W63)>0,(X63+W63)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X63+W63)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2,0.99980146939039427,1.3796982366176547E-4,1.3796982366176547E-4,1.3796982366176547E-4,{"$f":"IF($AA63<-'Results Dashboard'!$J$7,$AA63+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA63<-'Results Dashboard'!$J$8,$AA63+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA63<-'Results Dashboard'!$J$9,$AA63+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA63<-'Results Dashboard'!$J$11,$AA63+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA63<-'Results Dashboard'!$J$10,$AA63+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X63+W63)>0,(X63+W63)*0.5*'User Parameters'!C$50,(X63+W63)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2]
[0.74692971577167622,634.42282574248929,473.86926091090118,0.74692971577167622,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B64*'User Parameters'!$C$15","v":6.3442282574248932},104.20933657416323,0.16425849188544417,0.75447446037543053,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S64+C64+'User Parameters'!$C$12)/(B64-F64)","v":0.75447446037543053},{"$f":"IF(T64<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T64>'User Parameters'!$J$6,'User Parameters'!$J$6,T64))","v":0.9},91.401476825656772,0.1440702842283238,{"$f":"(B64-C64-F64-E64-S64-V64)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X64+W64)>0,(X64+W64)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X64+W64)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99966349956673251,2.2318433992973841E-4,2.2318433992973841E-4,2.2318433992973841E-4,{"$f":"IF($AA64<-'Results Dashboard'!$J$7,$AA64+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA64<-'Results Dashboard'!$J$8,$AA64+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA64<-'Results Dashboard'!$J$9,$AA64+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA64<-'Results Dashboard'!$J$11,$AA64+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA64<-'Results Dashboard'!$J$10,$AA64+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X64+W64)>0,(X64+W64)*0.5*'User Parameters'!C$50,(X64+W64)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.75192971577167622,634.42282574248929,477.04137503961363,0.75192971577167622,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B65*'User Parameters'!$C$15","v":6.3442282574248932},101.03722244545078,0.15925849188544416,0.75952496542593551,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S65+C65+'User Parameters'!$C$12)/(B65-F65)","v":0.75952496542593551},{"$f":"IF(T65<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T65>'User Parameters'!$J$6,'User Parameters'!$J$6,T65))","v":0.9},88.229362696944378,0.13907028422832388,{"$f":"(B65-C65-F65-E65-S65-V65)/'Results Dashboard'!$D$43","v":2.018820765712025E-2},{"$f":"IF((X65+W65)>0,(X65+W65)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X65+W65)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2,0.99944031522680277,3.5386687104355108E-4,3.5386687104355108E-4,3.5386687104355108E-4,{"$f":"IF($AA65<-'Results Dashboard'!$J$7,$AA65+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA65<-'Results Dashboard'!$J$8,$AA65+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA65<-'Results Dashboard'!$J$9,$AA65+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA65<-'Results Dashboard'!$J$11,$AA65+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA65<-'Results Dashboard'!$J$10,$AA65+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X65+W65)>0,(X65+W65)*0.5*'User Parameters'!C$50,(X65+W65)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712025E-2]
[0.75692971577167623,634.42282574248929,480.21348916832608,0.75692971577167623,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B66*'User Parameters'!$C$15","v":6.3442282574248932},97.865108316738329,0.15425849188544413,0.76457547047644059,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S66+C66+'User Parameters'!$C$12)/(B66-F66)","v":0.76457547047644059},{"$f":"IF(T66<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T66>'User Parameters'!$J$6,'User Parameters'!$J$6,T66))","v":0.9},85.057248568231898,0.13407028422832382,{"$f":"(B66-C66-F66-E66-S66-V66)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X66+W66)>0,(X66+W66)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X66+W66)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99908644835575922,5.4993667710268035E-4,5.4993667710268035E-4,5.4993667710268035E-4,{"$f":"IF($AA66<-'Results Dashboard'!$J$7,$AA66+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA66<-'Results Dashboard'!$J$8,$AA66+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA66<-'Results Dashboard'!$J$9,$AA66+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA66<-'Results Dashboard'!$J$11,$AA66+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA66<-'Results Dashboard'!$J$10,$AA66+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X66+W66)>0,(X66+W66)*0.5*'User Parameters'!C$50,(X66+W66)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.76192971577167623,634.42282574248929,483.38560329703853,0.76192971577167623,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B67*'User Parameters'!$C$15","v":6.3442282574248932},94.692994188025878,0.14925849188544413,0.76962597552694567,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S67+C67+'User Parameters'!$C$12)/(B67-F67)","v":0.76962597552694567},{"$f":"IF(T67<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T67>'User Parameters'!$J$6,'User Parameters'!$J$6,T67))","v":0.9},81.885134439519433,0.12907028422832381,{"$f":"(B67-C67-F67-E67-S67-V67)/'Results Dashboard'!$D$43","v":2.0188207657120316E-2},{"$f":"IF((X67+W67)>0,(X67+W67)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X67+W67)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2,0.99853651167865654,8.376875652732485E-4,8.376875652732485E-4,8.376875652732485E-4,{"$f":"IF($AA67<-'Results Dashboard'!$J$7,$AA67+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA67<-'Results Dashboard'!$J$8,$AA67+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA67<-'Results Dashboard'!$J$9,$AA67+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA67<-'Results Dashboard'!$J$11,$AA67+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA67<-'Results Dashboard'!$J$10,$AA67+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X67+W67)>0,(X67+W67)*0.5*'User Parameters'!C$50,(X67+W67)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2]
[0.76692971577167623,634.42282574248929,486.55771742575098,0.76692971577167623,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B68*'User Parameters'!$C$15","v":6.3442282574248932},91.520880059313427,0.14425849188544412,0.77467648057745075,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S68+C68+'User Parameters'!$C$12)/(B68-F68)","v":0.77467648057745075},{"$f":"IF(T68<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T68>'User Parameters'!$J$6,'User Parameters'!$J$6,T68))","v":0.9},78.713020310806968,0.12407028422832377,{"$f":"(B68-C68-F68-E68-S68-V68)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X68+W68)>0,(X68+W68)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X68+W68)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.99769882411338329,1.250685367666371E-3,1.250685367666371E-3,1.250685367666371E-3,{"$f":"IF($AA68<-'Results Dashboard'!$J$7,$AA68+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA68<-'Results Dashboard'!$J$8,$AA68+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA68<-'Results Dashboard'!$J$9,$AA68+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA68<-'Results Dashboard'!$J$11,$AA68+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA68<-'Results Dashboard'!$J$10,$AA68+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X68+W68)>0,(X68+W68)*0.5*'User Parameters'!C$50,(X68+W68)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.77192971577167624,634.42282574248929,489.72983155446343,0.77192971577167624,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B69*'User Parameters'!$C$15","v":6.3442282574248932},88.348765930600976,0.13925849188544412,0.77972698562795584,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S69+C69+'User Parameters'!$C$12)/(B69-F69)","v":0.77972698562795584},{"$f":"IF(T69<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T69>'User Parameters'!$J$6,'User Parameters'!$J$6,T69))","v":0.9},75.540906182094503,0.11907028422832373,{"$f":"(B69-C69-F69-E69-S69-V69)/'Results Dashboard'!$D$43","v":2.0188207657120361E-2},{"$f":"IF((X69+W69)>0,(X69+W69)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X69+W69)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120361E-2,0.99644813874571692,1.8302511864289883E-3,1.8302511864289883E-3,1.8302511864289883E-3,{"$f":"IF($AA69<-'Results Dashboard'!$J$7,$AA69+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA69<-'Results Dashboard'!$J$8,$AA69+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA69<-'Results Dashboard'!$J$9,$AA69+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA69<-'Results Dashboard'!$J$11,$AA69+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA69<-'Results Dashboard'!$J$10,$AA69+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X69+W69)>0,(X69+W69)*0.5*'User Parameters'!C$50,(X69+W69)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120361E-2]
[0.77692971577167624,634.42282574248929,492.90194568317588,0.77692971577167624,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B70*'User Parameters'!$C$15","v":6.3442282574248932},85.176651801888525,0.13425849188544411,0.78477749067846081,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S70+C70+'User Parameters'!$C$12)/(B70-F70)","v":0.78477749067846081},{"$f":"IF(T70<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T70>'User Parameters'!$J$6,'User Parameters'!$J$6,T70))","v":0.9},72.368792053382109,0.11407028422832383,{"$f":"(B70-C70-F70-E70-S70-V70)/'Results Dashboard'!$D$43","v":2.0188207657120271E-2},{"$f":"IF((X70+W70)>0,(X70+W70)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X70+W70)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120271E-2,0.99461788755928793,2.6252457515716365E-3,2.6252457515716365E-3,2.6252457515716365E-3,{"$f":"IF($AA70<-'Results Dashboard'!$J$7,$AA70+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA70<-'Results Dashboard'!$J$8,$AA70+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA70<-'Results Dashboard'!$J$9,$AA70+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA70<-'Results Dashboard'!$J$11,$AA70+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA70<-'Results Dashboard'!$J$10,$AA70+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X70+W70)>0,(X70+W70)*0.5*'User Parameters'!C$50,(X70+W70)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120271E-2]
[0.78192971577167625,634.42282574248929,496.07405981188833,0.78192971577167625,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B71*'User Parameters'!$C$15","v":6.3442282574248932},82.004537673176074,0.12925849188544411,0.78982799572896589,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S71+C71+'User Parameters'!$C$12)/(B71-F71)","v":0.78982799572896589},{"$f":"IF(T71<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T71>'User Parameters'!$J$6,'User Parameters'!$J$6,T71))","v":0.9},69.196677924669643,0.10907028422832379,{"$f":"(B71-C71-F71-E71-S71-V71)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X71+W71)>0,(X71+W71)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X71+W71)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.99199264180771629,3.6908456300684955E-3,3.6908456300684955E-3,3.6908456300684955E-3,{"$f":"IF($AA71<-'Results Dashboard'!$J$7,$AA71+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA71<-'Results Dashboard'!$J$8,$AA71+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA71<-'Results Dashboard'!$J$9,$AA71+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA71<-'Results Dashboard'!$J$11,$AA71+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA71<-'Results Dashboard'!$J$10,$AA71+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X71+W71)>0,(X71+W71)*0.5*'User Parameters'!C$50,(X71+W71)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[{"$f":"A73-0.005","v":0.78692971577167625},{"$f":"$B$88","v":634.42282574248929},499.24617394060078,0.78692971577167625,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B72*'User Parameters'!$C$15","v":6.3442282574248932},78.832423544463623,0.12425849188544411,0.79487850077947098,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},{"$f":"IF(UP_RSBasis=\"MLR\",J72-I72,IF(UP_RSBasis=\"Medical Baseline\",J72-$C72,0))","v":0},0,0,0,0,0,0,{"$f":"IF(UP_RSBasis=\"MLR\",SUMPRODUCT(L$4:Q$4,L72:Q72),\"\")","v":""},{"$f":"IF(UP_RSBasis=\"MLR\",R72*(B72-F72),SUMPRODUCT($L$4:$Q$4,$L72:$Q72))","v":0},{"$f":"(S72+C72+'User Parameters'!$C$12)/(B72-F72)","v":0.79487850077947098},{"$f":"IF(T72<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T72>'User Parameters'!$J$6,'User Parameters'!$J$6,T72))","v":0.9},{"$f":"(U72-T72)*(B72-F72)","v":66.024563795957178},{"$f":"V72/B72","v":0.10407028422832376},{"$f":"(B72-C72-F72-E72-S72-V72)/'Results Dashboard'!$D$43","v":2.0188207657120316E-2},{"$f":"IF((X72+W72)>0,(X72+W72)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X72+W72)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2,{"$f":"_xlfn.NORM.DIST(H72,$AD$2,$AD$3,TRUE)","v":0.9883017961776478},5.086024611793083E-3,5.086024611793083E-3,5.086024611793083E-3,{"$f":"IF($AA72<-'Results Dashboard'!$J$7,$AA72+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA72<-'Results Dashboard'!$J$8,$AA72+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA72<-'Results Dashboard'!$J$9,$AA72+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA72<-'Results Dashboard'!$J$11,$AA72+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA72<-'Results Dashboard'!$J$10,$AA72+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X72+W72)>0,(X72+W72)*0.5*'User Parameters'!C$50,(X72+W72)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2]
[0.79192971577167626,634.42282574248929,{"$f":"B73*A73","v":502.41828806931323},{"$f":"(C73)/(B73)","v":0.79192971577167626},{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B73*'User Parameters'!$C$15","v":6.3442282574248932},{"$f":"B73-E73-C73-F73","v":75.660309415751172},{"$f":"G73/B73","v":0.11925849188544409},0.79992900582997606,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,{"$f":"IF($K73>0,MIN(J73*L$3-J73*L$2,$K73-M73-N73),0)","v":0},{"$f":"IF($K73>0,MIN(J73*M$3-J73*M$2,$K73-N73),0)","v":0},{"$f":"IF($K73>0,MIN(J73*N$3-J73*N$2,$K73),0)","v":0},{"$f":"IF($K73<0,MAX(J73*O$2-J73*O$3,$K73),0)","v":0},{"$f":"IF($K73<0,MAX(J73*P$2-J73*P$3,$K73-O73),0)","v":0},{"$f":"IF($K73<0,MAX(J73*Q$2-J73*Q$3,$K73-P73-O73),0)","v":0},"",0,{"$f":"(S73+C73+'User Parameters'!$C$12)/(B73-F73)","v":0.79992900582997606},{"$f":"IF(T73<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T73>'User Parameters'!$J$6,'User Parameters'!$J$6,T73))","v":0.9},62.852449667244706,9.9070284228323716E-2,{"$f":"(B73-C73-F73-E73-S73-V73)/'Results Dashboard'!$D$43","v":2.0188207657120372E-2},{"$f":"IF((X73+W73)>0,(X73+W73)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X73+W73)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},{"$f":"Y73+X73-Z73","v":2.0188207657120372E-2},0.98321577156585471,{"$f":"AB73-AB74","v":6.8695407237937545E-3},6.8695407237937545E-3,{"$f":"AD73","v":6.8695407237937545E-3},{"$f":"IF($AA73<-'Results Dashboard'!$J$7,$AA73+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA73<-'Results Dashboard'!$J$8,$AA73+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA73<-'Results Dashboard'!$J$9,$AA73+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA73<-'Results Dashboard'!$J$11,$AA73+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA73<-'Results Dashboard'!$J$10,$AA73+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X73+W73)>0,(X73+W73)*0.5*'User Parameters'!C$50,(X73+W73)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},{"$f":"-AL73+X73-AM73","v":2.0188207657120372E-2}]
[0.79692971577167626,634.42282574248929,505.59040219802569,0.79692971577167626,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B74*'User Parameters'!$C$15","v":6.3442282574248932},72.488195287038721,0.11425849188544408,0.80497951088048103,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S74+C74+'User Parameters'!$C$12)/(B74-F74)","v":0.80497951088048103},{"$f":"IF(T74<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T74>'User Parameters'!$J$6,'User Parameters'!$J$6,T74))","v":0.9},59.680335538532312,9.4070284228323808E-2,{"$f":"(B74-C74-F74-E74-S74-V74)/'Results Dashboard'!$D$43","v":2.0188207657120281E-2},{"$f":"IF((X74+W74)>0,(X74+W74)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X74+W74)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120281E-2,0.97634623084206096,9.0943910586674948E-3,{"$f":"AC74","v":9.0943910586674948E-3},9.0943910586674948E-3,{"$f":"IF($AA74<-'Results Dashboard'!$J$7,$AA74+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA74<-'Results Dashboard'!$J$8,$AA74+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA74<-'Results Dashboard'!$J$9,$AA74+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA74<-'Results Dashboard'!$J$11,$AA74+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA74<-'Results Dashboard'!$J$10,$AA74+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X74+W74)>0,(X74+W74)*0.5*'User Parameters'!C$50,(X74+W74)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120281E-2]
[0.80192971577167627,634.42282574248929,508.76251632673814,0.80192971577167627,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B75*'User Parameters'!$C$15","v":6.3442282574248932},69.31608115832627,0.10925849188544408,0.81003001593098611,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S75+C75+'User Parameters'!$C$12)/(B75-F75)","v":0.81003001593098611},{"$f":"IF(T75<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T75>'User Parameters'!$J$6,'User Parameters'!$J$6,T75))","v":0.9},56.508221409819839,8.9070284228323762E-2,{"$f":"(B75-C75-F75-E75-S75-V75)/'Results Dashboard'!$D$43","v":2.0188207657120316E-2},{"$f":"IF((X75+W75)>0,(X75+W75)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X75+W75)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2,0.96725183978339346,1.1800929967036411E-2,1.1800929967036411E-2,1.1800929967036411E-2,{"$f":"IF($AA75<-'Results Dashboard'!$J$7,$AA75+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA75<-'Results Dashboard'!$J$8,$AA75+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA75<-'Results Dashboard'!$J$9,$AA75+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA75<-'Results Dashboard'!$J$11,$AA75+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA75<-'Results Dashboard'!$J$10,$AA75+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X75+W75)>0,(X75+W75)*0.5*'User Parameters'!C$50,(X75+W75)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2]
[0.80692971577167627,634.42282574248929,511.93463045545059,0.80692971577167627,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B76*'User Parameters'!$C$15","v":6.3442282574248932},66.143967029613819,0.10425849188544407,0.8150805209814912,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S76+C76+'User Parameters'!$C$12)/(B76-F76)","v":0.8150805209814912},{"$f":"IF(T76<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T76>'User Parameters'!$J$6,'User Parameters'!$J$6,T76))","v":0.9},53.336107281107374,8.407028422832373E-2,{"$f":"(B76-C76-F76-E76-S76-V76)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X76+W76)>0,(X76+W76)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X76+W76)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.95545090981635705,1.5009130523600311E-2,1.5009130523600311E-2,1.5009130523600311E-2,{"$f":"IF($AA76<-'Results Dashboard'!$J$7,$AA76+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA76<-'Results Dashboard'!$J$8,$AA76+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA76<-'Results Dashboard'!$J$9,$AA76+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA76<-'Results Dashboard'!$J$11,$AA76+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA76<-'Results Dashboard'!$J$10,$AA76+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X76+W76)>0,(X76+W76)*0.5*'User Parameters'!C$50,(X76+W76)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.81192971577167627,634.42282574248929,515.10674458416304,0.81192971577167627,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B77*'User Parameters'!$C$15","v":6.3442282574248932},{"$f":"B77-E77-C77-F77","v":62.971852900901361},9.9258491885444056E-2,0.82013102603199628,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S77+C77+'User Parameters'!$C$12)/(B77-F77)","v":0.82013102603199628},{"$f":"IF(T77<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T77>'User Parameters'!$J$6,'User Parameters'!$J$6,T77))","v":0.9},50.163993152394909,7.9070284228323698E-2,{"$f":"(B77-C77-F77-E77-S77-V77)/'Results Dashboard'!$D$43","v":2.0188207657120361E-2},{"$f":"IF((X77+W77)>0,(X77+W77)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X77+W77)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120361E-2,0.94044177929275674,1.8710764641603927E-2,1.8710764641603927E-2,1.8710764641603927E-2,{"$f":"IF($AA77<-'Results Dashboard'!$J$7,$AA77+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA77<-'Results Dashboard'!$J$8,$AA77+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA77<-'Results Dashboard'!$J$9,$AA77+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA77<-'Results Dashboard'!$J$11,$AA77+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA77<-'Results Dashboard'!$J$10,$AA77+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X77+W77)>0,(X77+W77)*0.5*'User Parameters'!C$50,(X77+W77)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120361E-2]
[0.81692971577167628,634.42282574248929,518.27885871287549,0.81692971577167628,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B78*'User Parameters'!$C$15","v":6.3442282574248932},59.79973877218891,9.4258491885444051E-2,0.82518153108250125,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S78+C78+'User Parameters'!$C$12)/(B78-F78)","v":0.82518153108250125},{"$f":"IF(T78<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T78>'User Parameters'!$J$6,'User Parameters'!$J$6,T78))","v":0.9},46.991879023682515,7.4070284228323791E-2,{"$f":"(B78-C78-F78-E78-S78-V78)/'Results Dashboard'!$D$43","v":2.0188207657120271E-2},{"$f":"IF((X78+W78)>0,(X78+W78)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X78+W78)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120271E-2,0.92173101465115281,2.2862527670544752E-2,2.2862527670544752E-2,2.2862527670544752E-2,{"$f":"IF($AA78<-'Results Dashboard'!$J$7,$AA78+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA78<-'Results Dashboard'!$J$8,$AA78+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA78<-'Results Dashboard'!$J$9,$AA78+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA78<-'Results Dashboard'!$J$11,$AA78+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA78<-'Results Dashboard'!$J$10,$AA78+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X78+W78)>0,(X78+W78)*0.5*'User Parameters'!C$50,(X78+W78)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120271E-2]
[0.82192971577167628,634.42282574248929,521.45097284158794,0.82192971577167628,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B79*'User Parameters'!$C$15","v":6.3442282574248932},56.627624643476459,8.9258491885444033E-2,0.83023203613300633,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S79+C79+'User Parameters'!$C$12)/(B79-F79)","v":0.83023203613300633},{"$f":"IF(T79<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T79>'User Parameters'!$J$6,'User Parameters'!$J$6,T79))","v":0.9},43.819764894970042,6.9070284228323744E-2,{"$f":"(B79-C79-F79-E79-S79-V79)/'Results Dashboard'!$D$43","v":2.0188207657120306E-2},{"$f":"IF((X79+W79)>0,(X79+W79)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X79+W79)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120306E-2,0.89886848698060806,2.7381274858486737E-2,2.7381274858486737E-2,2.7381274858486737E-2,{"$f":"IF($AA79<-'Results Dashboard'!$J$7,$AA79+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA79<-'Results Dashboard'!$J$8,$AA79+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA79<-'Results Dashboard'!$J$9,$AA79+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA79<-'Results Dashboard'!$J$11,$AA79+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA79<-'Results Dashboard'!$J$10,$AA79+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X79+W79)>0,(X79+W79)*0.5*'User Parameters'!C$50,(X79+W79)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120306E-2]
[0.82692971577167629,634.42282574248929,524.62308697030039,0.82692971577167629,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B80*'User Parameters'!$C$15","v":6.3442282574248932},53.455510514764008,8.4258491885444028E-2,0.83528254118351142,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S80+C80+'User Parameters'!$C$12)/(B80-F80)","v":0.83528254118351142},{"$f":"IF(T80<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T80>'User Parameters'!$J$6,'User Parameters'!$J$6,T80))","v":0.9},40.647650766257577,6.4070284228323712E-2,{"$f":"(B80-C80-F80-E80-S80-V80)/'Results Dashboard'!$D$43","v":2.0188207657120327E-2},{"$f":"IF((X80+W80)>0,(X80+W80)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X80+W80)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120327E-2,0.87148721212212132,3.2142511151717068E-2,3.2142511151717068E-2,3.2142511151717068E-2,{"$f":"IF($AA80<-'Results Dashboard'!$J$7,$AA80+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA80<-'Results Dashboard'!$J$8,$AA80+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA80<-'Results Dashboard'!$J$9,$AA80+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA80<-'Results Dashboard'!$J$11,$AA80+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA80<-'Results Dashboard'!$J$10,$AA80+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X80+W80)>0,(X80+W80)*0.5*'User Parameters'!C$50,(X80+W80)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120327E-2]
[0.83192971577167629,634.42282574248929,527.79520109901284,0.83192971577167629,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B81*'User Parameters'!$C$15","v":6.3442282574248932},50.283396386051557,7.9258491885444024E-2,0.8403330462340165,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S81+C81+'User Parameters'!$C$12)/(B81-F81)","v":0.8403330462340165},{"$f":"IF(T81<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T81>'User Parameters'!$J$6,'User Parameters'!$J$6,T81))","v":0.9},37.475536637545112,5.9070284228323687E-2,{"$f":"(B81-C81-F81-E81-S81-V81)/'Results Dashboard'!$D$43","v":2.0188207657120351E-2},{"$f":"IF((X81+W81)>0,(X81+W81)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X81+W81)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120351E-2,0.83934470097040426,3.6983044846784718E-2,3.6983044846784718E-2,3.6983044846784718E-2,{"$f":"IF($AA81<-'Results Dashboard'!$J$7,$AA81+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA81<-'Results Dashboard'!$J$8,$AA81+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA81<-'Results Dashboard'!$J$9,$AA81+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA81<-'Results Dashboard'!$J$11,$AA81+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA81<-'Results Dashboard'!$J$10,$AA81+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X81+W81)>0,(X81+W81)*0.5*'User Parameters'!C$50,(X81+W81)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120351E-2]
[0.8369297157716763,634.42282574248929,530.96731522772529,0.8369297157716763,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B82*'User Parameters'!$C$15","v":6.3442282574248932},47.111282257339106,7.425849188544402E-2,0.84538355128452158,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S82+C82+'User Parameters'!$C$12)/(B82-F82)","v":0.84538355128452158},{"$f":"IF(T82<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T82>'User Parameters'!$J$6,'User Parameters'!$J$6,T82))","v":0.9},34.303422508832647,5.4070284228323655E-2,{"$f":"(B82-C82-F82-E82-S82-V82)/'Results Dashboard'!$D$43","v":2.0188207657120372E-2},{"$f":"IF((X82+W82)>0,(X82+W82)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X82+W82)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120372E-2,0.80236165612361954,4.1708277229268176E-2,4.1708277229268176E-2,4.1708277229268176E-2,{"$f":"IF($AA82<-'Results Dashboard'!$J$7,$AA82+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA82<-'Results Dashboard'!$J$8,$AA82+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA82<-'Results Dashboard'!$J$9,$AA82+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA82<-'Results Dashboard'!$J$11,$AA82+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA82<-'Results Dashboard'!$J$10,$AA82+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X82+W82)>0,(X82+W82)*0.5*'User Parameters'!C$50,(X82+W82)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120372E-2]
[0.8419297157716763,634.42282574248929,534.13942935643774,0.8419297157716763,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B83*'User Parameters'!$C$15","v":6.3442282574248932},43.939168128626655,6.9258491885444015E-2,0.85043405633502656,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S83+C83+'User Parameters'!$C$12)/(B83-F83)","v":0.85043405633502656},{"$f":"IF(T83<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T83>'User Parameters'!$J$6,'User Parameters'!$J$6,T83))","v":0.9},31.131308380120249,4.9070284228323734E-2,{"$f":"(B83-C83-F83-E83-S83-V83)/'Results Dashboard'!$D$43","v":2.0188207657120288E-2},{"$f":"IF((X83+W83)>0,(X83+W83)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X83+W83)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120288E-2,0.76065337889435136,4.6103996017785698E-2,4.6103996017785698E-2,4.6103996017785698E-2,{"$f":"IF($AA83<-'Results Dashboard'!$J$7,$AA83+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA83<-'Results Dashboard'!$J$8,$AA83+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA83<-'Results Dashboard'!$J$9,$AA83+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA83<-'Results Dashboard'!$J$11,$AA83+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA83<-'Results Dashboard'!$J$10,$AA83+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X83+W83)>0,(X83+W83)*0.5*'User Parameters'!C$50,(X83+W83)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120288E-2]
[0.84692971577167631,634.42282574248929,537.3115434851502,0.84692971577167631,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B84*'User Parameters'!$C$15","v":6.3442282574248932},40.767053999914204,6.4258491885444011E-2,0.85548456138553164,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S84+C84+'User Parameters'!$C$12)/(B84-F84)","v":0.85548456138553164},{"$f":"IF(T84<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T84>'User Parameters'!$J$6,'User Parameters'!$J$6,T84))","v":0.9},27.95919425140778,4.4070284228323701E-2,{"$f":"(B84-C84-F84-E84-S84-V84)/'Results Dashboard'!$D$43","v":2.0188207657120316E-2},{"$f":"IF((X84+W84)>0,(X84+W84)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X84+W84)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2,0.71454938287656566,4.9951854863865885E-2,4.9951854863865885E-2,4.9951854863865885E-2,{"$f":"IF($AA84<-'Results Dashboard'!$J$7,$AA84+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA84<-'Results Dashboard'!$J$8,$AA84+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA84<-'Results Dashboard'!$J$9,$AA84+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA84<-'Results Dashboard'!$J$11,$AA84+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA84<-'Results Dashboard'!$J$10,$AA84+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X84+W84)>0,(X84+W84)*0.5*'User Parameters'!C$50,(X84+W84)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120316E-2]
[0.85192971577167631,634.42282574248929,540.48365761386265,0.85192971577167631,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B85*'User Parameters'!$C$15","v":6.3442282574248932},37.594939871201753,5.9258491885443999E-2,0.86053506643603672,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S85+C85+'User Parameters'!$C$12)/(B85-F85)","v":0.86053506643603672},{"$f":"IF(T85<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T85>'User Parameters'!$J$6,'User Parameters'!$J$6,T85))","v":0.9},24.787080122695315,3.9070284228323669E-2,{"$f":"(B85-C85-F85-E85-S85-V85)/'Results Dashboard'!$D$43","v":2.018820765712034E-2},{"$f":"IF((X85+W85)>0,(X85+W85)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X85+W85)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2,0.66459752801269978,5.304707051793367E-2,5.304707051793367E-2,5.304707051793367E-2,{"$f":"IF($AA85<-'Results Dashboard'!$J$7,$AA85+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA85<-'Results Dashboard'!$J$8,$AA85+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA85<-'Results Dashboard'!$J$9,$AA85+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA85<-'Results Dashboard'!$J$11,$AA85+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA85<-'Results Dashboard'!$J$10,$AA85+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X85+W85)>0,(X85+W85)*0.5*'User Parameters'!C$50,(X85+W85)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712034E-2]
[0.85692971577167631,634.42282574248929,543.6557717425751,0.85692971577167631,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B86*'User Parameters'!$C$15","v":6.3442282574248932},34.422825742489302,5.4258491885443988E-2,0.8655855714865418,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S86+C86+'User Parameters'!$C$12)/(B86-F86)","v":0.8655855714865418},{"$f":"IF(T86<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T86>'User Parameters'!$J$6,'User Parameters'!$J$6,T86))","v":0.9},21.614965993982846,3.4070284228323637E-2,{"$f":"(B86-C86-F86-E86-S86-V86)/'Results Dashboard'!$D$43","v":2.0188207657120368E-2},{"$f":"IF((X86+W86)>0,(X86+W86)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X86+W86)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120368E-2,0.61155045749476611,5.5216379675146809E-2,5.5216379675146809E-2,5.5216379675146809E-2,{"$f":"IF($AA86<-'Results Dashboard'!$J$7,$AA86+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA86<-'Results Dashboard'!$J$8,$AA86+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA86<-'Results Dashboard'!$J$9,$AA86+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA86<-'Results Dashboard'!$J$11,$AA86+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA86<-'Results Dashboard'!$J$10,$AA86+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X86+W86)>0,(X86+W86)*0.5*'User Parameters'!C$50,(X86+W86)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120368E-2]
[{"$f":"A88-0.005","v":0.86192971577167632},634.42282574248929,546.82788587128755,0.86192971577167632,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B87*'User Parameters'!$C$15","v":6.3442282574248932},31.250711613776851,4.9258491885443983E-2,0.87063607653704678,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S87+C87+'User Parameters'!$C$12)/(B87-F87)","v":0.87063607653704678},{"$f":"IF(T87<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T87>'User Parameters'!$J$6,'User Parameters'!$J$6,T87))","v":0.9},18.442851865270448,2.9070284228323709E-2,{"$f":"(B87-C87-F87-E87-S87-V87)/'Results Dashboard'!$D$43","v":2.0188207657120281E-2},{"$f":"IF((X87+W87)>0,(X87+W87)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X87+W87)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120281E-2,0.5563340778196193,5.6334077819619299E-2,5.6334077819619299E-2,5.6334077819619299E-2,{"$f":"IF($AA87<-'Results Dashboard'!$J$7,$AA87+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA87<-'Results Dashboard'!$J$8,$AA87+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA87<-'Results Dashboard'!$J$9,$AA87+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA87<-'Results Dashboard'!$J$11,$AA87+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA87<-'Results Dashboard'!$J$10,$AA87+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X87+W87)>0,(X87+W87)*0.5*'User Parameters'!C$50,(X87+W87)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120281E-2]
[{"$f":"'Results Dashboard'!D33/Results_Premium","v":0.86692971577167632},{"$f":"C88/A88","v":634.42282574248929},{"$f":"'User Parameters'!C10","v":550},0.86692971577167632,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B88*'User Parameters'!$C$15","v":6.3442282574248932},28.0785974850644,4.4258491885443972E-2,0.87568658158755186,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S88+C88+'User Parameters'!$C$12)/(B88-F88)","v":0.87568658158755186},{"$f":"IF(T88<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T88>'User Parameters'!$J$6,'User Parameters'!$J$6,T88))","v":0.9},15.270737736557983,2.407028422832368E-2,{"$f":"(B88-C88-F88-E88-S88-V88)/'Results Dashboard'!$D$43","v":2.0188207657120306E-2},{"$f":"IF((X88+W88)>0,(X88+W88)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X88+W88)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120306E-2,0.5,0,0,{"$f":"AVERAGE(AE87,AE89)","v":5.6334077819619244E-2},{"$f":"IF($AA88<-'Results Dashboard'!$J$7,$AA88+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA88<-'Results Dashboard'!$J$8,$AA88+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA88<-'Results Dashboard'!$J$9,$AA88+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA88<-'Results Dashboard'!$J$11,$AA88+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA88<-'Results Dashboard'!$J$10,$AA88+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X88+W88)>0,(X88+W88)*0.5*'User Parameters'!C$50,(X88+W88)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120306E-2]
[{"$f":"A88+0.005","v":0.87192971577167633},{"$f":"$B$88","v":634.42282574248929},553.17211412871245,0.87192971577167633,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B89*'User Parameters'!$C$15","v":6.3442282574248932},24.906483356351949,3.9258491885443968E-2,0.88073708663805694,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S89+C89+'User Parameters'!$C$12)/(B89-F89)","v":0.88073708663805694},{"$f":"IF(T89<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T89>'User Parameters'!$J$6,'User Parameters'!$J$6,T89))","v":0.9},12.098623607845516,1.9070284228323648E-2,{"$f":"(B89-C89-F89-E89-S89-V89)/'Results Dashboard'!$D$43","v":2.018820765712033E-2},{"$f":"IF((X89+W89)>0,(X89+W89)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X89+W89)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712033E-2,0.44366592218038081,{"$f":"AB88-AB89","v":5.6334077819619188E-2},5.6334077819619188E-2,5.6334077819619188E-2,{"$f":"IF($AA89<-'Results Dashboard'!$J$7,$AA89+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA89<-'Results Dashboard'!$J$8,$AA89+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA89<-'Results Dashboard'!$J$9,$AA89+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA89<-'Results Dashboard'!$J$11,$AA89+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA89<-'Results Dashboard'!$J$10,$AA89+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X89+W89)>0,(X89+W89)*0.5*'User Parameters'!C$50,(X89+W89)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.018820765712033E-2]
[{"$f":"A89+0.005","v":0.87692971577167633},634.42282574248929,556.3442282574249,0.87692971577167633,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B90*'User Parameters'!$C$15","v":6.3442282574248932},21.734369227639498,3.4258491885443963E-2,0.88578759168856203,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S90+C90+'User Parameters'!$C$12)/(B90-F90)","v":0.88578759168856203},{"$f":"IF(T90<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T90>'User Parameters'!$J$6,'User Parameters'!$J$6,T90))","v":0.9},8.926509479133049,1.4070284228323616E-2,{"$f":"(B90-C90-F90-E90-S90-V90)/'Results Dashboard'!$D$43","v":2.0188207657120354E-2},{"$f":"IF((X90+W90)>0,(X90+W90)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X90+W90)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120354E-2,0.38844954250523406,{"$f":"AB89-AB90","v":5.5216379675146754E-2},5.5216379675146754E-2,5.5216379675146754E-2,{"$f":"IF($AA90<-'Results Dashboard'!$J$7,$AA90+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA90<-'Results Dashboard'!$J$8,$AA90+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA90<-'Results Dashboard'!$J$9,$AA90+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA90<-'Results Dashboard'!$J$11,$AA90+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA90<-'Results Dashboard'!$J$10,$AA90+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X90+W90)>0,(X90+W90)*0.5*'User Parameters'!C$50,(X90+W90)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120354E-2]
[0.88192971577167634,634.42282574248929,559.51634238613735,0.88192971577167634,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B91*'User Parameters'!$C$15","v":6.3442282574248932},18.562255098927047,2.9258491885443955E-2,0.89083809673906711,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S91+C91+'User Parameters'!$C$12)/(B91-F91)","v":0.89083809673906711},{"$f":"IF(T91<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T91>'User Parameters'!$J$6,'User Parameters'!$J$6,T91))","v":0.9},5.754395350420582,9.0702842283235836E-3,{"$f":"(B91-C91-F91-E91-S91-V91)/'Results Dashboard'!$D$43","v":2.0188207657120382E-2},{"$f":"IF((X91+W91)>0,(X91+W91)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X91+W91)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120382E-2,0.33540247198730033,5.3047070517933725E-2,5.3047070517933725E-2,5.3047070517933725E-2,{"$f":"IF($AA91<-'Results Dashboard'!$J$7,$AA91+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA91<-'Results Dashboard'!$J$8,$AA91+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA91<-'Results Dashboard'!$J$9,$AA91+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA91<-'Results Dashboard'!$J$11,$AA91+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA91<-'Results Dashboard'!$J$10,$AA91+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X91+W91)>0,(X91+W91)*0.5*'User Parameters'!C$50,(X91+W91)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120382E-2]
[0.88692971577167634,634.42282574248929,562.6884565148498,0.88692971577167634,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B92*'User Parameters'!$C$15","v":6.3442282574248932},15.390140970214597,2.4258491885443951E-2,0.89588860178957208,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S92+C92+'User Parameters'!$C$12)/(B92-F92)","v":0.89588860178957208},{"$f":"IF(T92<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T92>'User Parameters'!$J$6,'User Parameters'!$J$6,T92))","v":0.9},2.5822812217081847,4.0702842283236616E-3,{"$f":"(B92-C92-F92-E92-S92-V92)/'Results Dashboard'!$D$43","v":2.0188207657120295E-2},{"$f":"IF((X92+W92)>0,(X92+W92)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X92+W92)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2,0.28545061712343445,4.9951854863865885E-2,4.9951854863865885E-2,4.9951854863865885E-2,{"$f":"IF($AA92<-'Results Dashboard'!$J$7,$AA92+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA92<-'Results Dashboard'!$J$8,$AA92+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA92<-'Results Dashboard'!$J$9,$AA92+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA92<-'Results Dashboard'!$J$11,$AA92+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA92<-'Results Dashboard'!$J$10,$AA92+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X92+W92)>0,(X92+W92)*0.5*'User Parameters'!C$50,(X92+W92)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},2.0188207657120295E-2]
[0.89192971577167635,634.42282574248929,565.86057064356226,0.89192971577167635,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B93*'User Parameters'!$C$15","v":6.3442282574248932},12.218026841502146,1.9258491885443943E-2,0.90093910684007716,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S93+C93+'User Parameters'!$C$12)/(B93-F93)","v":0.90093910684007716},{"$f":"IF(T93<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T93>'User Parameters'!$J$6,'User Parameters'!$J$6,T93))","v":0.90093910684007716},0,0,{"$f":"(B93-C93-F93-E93-S93-V93)/'Results Dashboard'!$D$43","v":1.925849188544394E-2},{"$f":"IF((X93+W93)>0,(X93+W93)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X93+W93)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},1.925849188544394E-2,0.23934662110564889,4.6103996017785559E-2,4.6103996017785559E-2,4.6103996017785559E-2,{"$f":"IF($AA93<-'Results Dashboard'!$J$7,$AA93+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA93<-'Results Dashboard'!$J$8,$AA93+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA93<-'Results Dashboard'!$J$9,$AA93+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA93<-'Results Dashboard'!$J$11,$AA93+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA93<-'Results Dashboard'!$J$10,$AA93+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X93+W93)>0,(X93+W93)*0.5*'User Parameters'!C$50,(X93+W93)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},1.925849188544394E-2]
[0.89692971577167635,634.42282574248929,569.03268477227471,0.89692971577167635,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B94*'User Parameters'!$C$15","v":6.3442282574248932},9.0459127127896952,1.4258491885443935E-2,0.90598961189058225,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S94+C94+'User Parameters'!$C$12)/(B94-F94)","v":0.90598961189058225},{"$f":"IF(T94<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T94>'User Parameters'!$J$6,'User Parameters'!$J$6,T94))","v":0.90598961189058225},0,0,{"$f":"(B94-C94-F94-E94-S94-V94)/'Results Dashboard'!$D$43","v":1.4258491885443932E-2},{"$f":"IF((X94+W94)>0,(X94+W94)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X94+W94)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},1.4258491885443932E-2,0.19763834387638043,4.1708277229268453E-2,4.1708277229268453E-2,4.1708277229268453E-2,{"$f":"IF($AA94<-'Results Dashboard'!$J$7,$AA94+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA94<-'Results Dashboard'!$J$8,$AA94+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA94<-'Results Dashboard'!$J$9,$AA94+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA94<-'Results Dashboard'!$J$11,$AA94+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA94<-'Results Dashboard'!$J$10,$AA94+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X94+W94)>0,(X94+W94)*0.5*'User Parameters'!C$50,(X94+W94)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},1.4258491885443932E-2]
[0.90192971577167635,634.42282574248929,572.20479890098716,0.90192971577167635,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B95*'User Parameters'!$C$15","v":6.3442282574248932},5.8737985840772442,9.2584918854439271E-3,0.91104011694108733,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S95+C95+'User Parameters'!$C$12)/(B95-F95)","v":0.91104011694108733},{"$f":"IF(T95<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T95>'User Parameters'!$J$6,'User Parameters'!$J$6,T95))","v":0.91104011694108733},0,0,{"$f":"(B95-C95-F95-E95-S95-V95)/'Results Dashboard'!$D$43","v":9.2584918854439254E-3},{"$f":"IF((X95+W95)>0,(X95+W95)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X95+W95)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},9.2584918854439254E-3,0.16065529902959577,3.6983044846784663E-2,3.6983044846784663E-2,3.6983044846784663E-2,{"$f":"IF($AA95<-'Results Dashboard'!$J$7,$AA95+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA95<-'Results Dashboard'!$J$8,$AA95+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA95<-'Results Dashboard'!$J$9,$AA95+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA95<-'Results Dashboard'!$J$11,$AA95+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA95<-'Results Dashboard'!$J$10,$AA95+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X95+W95)>0,(X95+W95)*0.5*'User Parameters'!C$50,(X95+W95)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},9.2584918854439254E-3]
[0.90692971577167636,634.42282574248929,575.37691302969961,0.90692971577167636,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B96*'User Parameters'!$C$15","v":6.3442282574248932},2.7016844553647932,4.258491885443921E-3,0.9160906219915923,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S96+C96+'User Parameters'!$C$12)/(B96-F96)","v":0.9160906219915923},{"$f":"IF(T96<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T96>'User Parameters'!$J$6,'User Parameters'!$J$6,T96))","v":0.9160906219915923},0,0,{"$f":"(B96-C96-F96-E96-S96-V96)/'Results Dashboard'!$D$43","v":4.2584918854439175E-3},{"$f":"IF((X96+W96)>0,(X96+W96)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X96+W96)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},4.2584918854439175E-3,0.1285127878778787,3.2142511151717068E-2,3.2142511151717068E-2,3.2142511151717068E-2,{"$f":"IF($AA96<-'Results Dashboard'!$J$7,$AA96+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA96<-'Results Dashboard'!$J$8,$AA96+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA96<-'Results Dashboard'!$J$9,$AA96+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA96<-'Results Dashboard'!$J$11,$AA96+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA96<-'Results Dashboard'!$J$10,$AA96+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X96+W96)>0,(X96+W96)*0.5*'User Parameters'!C$50,(X96+W96)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},4.2584918854439175E-3]
[0.91192971577167636,634.42282574248929,578.54902715841206,0.91192971577167636,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B97*'User Parameters'!$C$15","v":6.3442282574248932},-0.47042967334765784,-7.415081145560865E-4,0.92114112704209739,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S97+C97+'User Parameters'!$C$12)/(B97-F97)","v":0.92114112704209739},{"$f":"IF(T97<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T97>'User Parameters'!$J$6,'User Parameters'!$J$6,T97))","v":0.92114112704209739},0,0,{"$f":"(B97-C97-F97-E97-S97-V97)/'Results Dashboard'!$D$43","v":-7.4150811455608932E-4},{"$f":"IF((X97+W97)>0,(X97+W97)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X97+W97)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-7.4150811455608932E-4,0.10113151301939192,2.7381274858486779E-2,2.7381274858486779E-2,2.7381274858486779E-2,{"$f":"IF($AA97<-'Results Dashboard'!$J$7,$AA97+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA97<-'Results Dashboard'!$J$8,$AA97+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA97<-'Results Dashboard'!$J$9,$AA97+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA97<-'Results Dashboard'!$J$11,$AA97+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA97<-'Results Dashboard'!$J$10,$AA97+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X97+W97)>0,(X97+W97)*0.5*'User Parameters'!C$50,(X97+W97)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-7.4150811455608932E-4]
[0.91692971577167637,634.42282574248929,581.72114128712451,0.91692971577167648,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B98*'User Parameters'!$C$15","v":6.3442282574248932},-3.6425438020601089,-5.741508114556094E-3,0.92619163209260247,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S98+C98+'User Parameters'!$C$12)/(B98-F98)","v":0.92619163209260247},{"$f":"IF(T98<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T98>'User Parameters'!$J$6,'User Parameters'!$J$6,T98))","v":0.92619163209260247},0,0,{"$f":"(B98-C98-F98-E98-S98-V98)/'Results Dashboard'!$D$43","v":-5.7415081145560966E-3},{"$f":"IF((X98+W98)>0,(X98+W98)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X98+W98)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-5.7415081145560966E-3,7.8268985348847187E-2,2.2862527670544738E-2,2.2862527670544738E-2,2.2862527670544738E-2,{"$f":"IF($AA98<-'Results Dashboard'!$J$7,$AA98+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA98<-'Results Dashboard'!$J$8,$AA98+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA98<-'Results Dashboard'!$J$9,$AA98+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA98<-'Results Dashboard'!$J$11,$AA98+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA98<-'Results Dashboard'!$J$10,$AA98+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X98+W98)>0,(X98+W98)*0.5*'User Parameters'!C$50,(X98+W98)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-5.7415081145560966E-3]
[0.92192971577167637,634.42282574248929,584.89325541583696,0.92192971577167648,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B99*'User Parameters'!$C$15","v":6.3442282574248932},-6.8146579307725599,-1.0741508114556101E-2,0.93124213714310755,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S99+C99+'User Parameters'!$C$12)/(B99-F99)","v":0.93124213714310755},{"$f":"IF(T99<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T99>'User Parameters'!$J$6,'User Parameters'!$J$6,T99))","v":0.93124213714310755},0,0,{"$f":"(B99-C99-F99-E99-S99-V99)/'Results Dashboard'!$D$43","v":-1.0741508114556103E-2},{"$f":"IF((X99+W99)>0,(X99+W99)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X99+W99)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-1.0741508114556103E-2,5.9558220707243273E-2,1.8710764641603914E-2,1.8710764641603914E-2,1.8710764641603914E-2,{"$f":"IF($AA99<-'Results Dashboard'!$J$7,$AA99+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA99<-'Results Dashboard'!$J$8,$AA99+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA99<-'Results Dashboard'!$J$9,$AA99+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA99<-'Results Dashboard'!$J$11,$AA99+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA99<-'Results Dashboard'!$J$10,$AA99+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X99+W99)>0,(X99+W99)*0.5*'User Parameters'!C$50,(X99+W99)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-1.0741508114556103E-2]
[0.92692971577167638,634.42282574248929,588.06536954454941,0.92692971577167649,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B100*'User Parameters'!$C$15","v":6.3442282574248932},-9.9867720594850109,-1.5741508114556109E-2,0.93629264219361252,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S100+C100+'User Parameters'!$C$12)/(B100-F100)","v":0.93629264219361252},{"$f":"IF(T100<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T100>'User Parameters'!$J$6,'User Parameters'!$J$6,T100))","v":0.93629264219361252},0,0,{"$f":"(B100-C100-F100-E100-S100-V100)/'Results Dashboard'!$D$43","v":-1.5741508114556112E-2},{"$f":"IF((X100+W100)>0,(X100+W100)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X100+W100)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-1.5741508114556112E-2,4.4549090183643038E-2,1.5009130523600235E-2,1.5009130523600235E-2,1.5009130523600235E-2,{"$f":"IF($AA100<-'Results Dashboard'!$J$7,$AA100+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA100<-'Results Dashboard'!$J$8,$AA100+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA100<-'Results Dashboard'!$J$9,$AA100+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA100<-'Results Dashboard'!$J$11,$AA100+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA100<-'Results Dashboard'!$J$10,$AA100+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X100+W100)>0,(X100+W100)*0.5*'User Parameters'!C$50,(X100+W100)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-1.5741508114556112E-2]
[0.93192971577167638,634.42282574248929,591.23748367326186,0.93192971577167649,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B101*'User Parameters'!$C$15","v":6.3442282574248932},-13.158886188197462,-2.0741508114556117E-2,0.94134314724411761,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S101+C101+'User Parameters'!$C$12)/(B101-F101)","v":0.94134314724411761},{"$f":"IF(T101<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T101>'User Parameters'!$J$6,'User Parameters'!$J$6,T101))","v":0.94134314724411761},0,0,{"$f":"(B101-C101-F101-E101-S101-V101)/'Results Dashboard'!$D$43","v":-2.0741508114556117E-2},{"$f":"IF((X101+W101)>0,(X101+W101)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X101+W101)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-2.0741508114556117E-2,3.2748160216606585E-2,1.1800929967036453E-2,1.1800929967036453E-2,1.1800929967036453E-2,{"$f":"IF($AA101<-'Results Dashboard'!$J$7,$AA101+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA101<-'Results Dashboard'!$J$8,$AA101+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA101<-'Results Dashboard'!$J$9,$AA101+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA101<-'Results Dashboard'!$J$11,$AA101+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA101<-'Results Dashboard'!$J$10,$AA101+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X101+W101)>0,(X101+W101)*0.5*'User Parameters'!C$50,(X101+W101)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-2.0741508114556117E-2]
[0.93692971577167639,634.42282574248929,594.40959780197431,0.9369297157716765,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B102*'User Parameters'!$C$15","v":6.3442282574248932},-16.331000316909915,-2.5741508114556125E-2,0.94639365229462269,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S102+C102+'User Parameters'!$C$12)/(B102-F102)","v":0.94639365229462269},{"$f":"IF(T102<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T102>'User Parameters'!$J$6,'User Parameters'!$J$6,T102))","v":0.94639365229462269},0,0,{"$f":"(B102-C102-F102-E102-S102-V102)/'Results Dashboard'!$D$43","v":-2.5741508114556125E-2},{"$f":"IF((X102+W102)>0,(X102+W102)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X102+W102)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-2.5741508114556125E-2,2.3653769157939125E-2,9.0943910586674601E-3,9.0943910586674601E-3,9.0943910586674601E-3,{"$f":"IF($AA102<-'Results Dashboard'!$J$7,$AA102+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA102<-'Results Dashboard'!$J$8,$AA102+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA102<-'Results Dashboard'!$J$9,$AA102+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA102<-'Results Dashboard'!$J$11,$AA102+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA102<-'Results Dashboard'!$J$10,$AA102+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X102+W102)>0,(X102+W102)*0.5*'User Parameters'!C$50,(X102+W102)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-2.5741508114556125E-2]
[0.94192971577167639,634.42282574248929,597.58171193068677,0.9419297157716765,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B103*'User Parameters'!$C$15","v":6.3442282574248932},-19.503114445622366,-3.0741508114556133E-2,{"$f":"($C103+UP_QIPMPM)/($B103-$F103)","v":0.95144415734512777},{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S103+C103+'User Parameters'!$C$12)/(B103-F103)","v":0.95144415734512777},{"$f":"IF(T103<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T103>'User Parameters'!$J$6,'User Parameters'!$J$6,T103))","v":0.95144415734512777},0,0,{"$f":"(B103-C103-F103-E103-S103-V103)/'Results Dashboard'!$D$43","v":-3.0741508114556133E-2},{"$f":"IF((X103+W103)>0,(X103+W103)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X103+W103)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-3.0741508114556133E-2,1.678422843414527E-2,6.8695407237938551E-3,6.8695407237938551E-3,6.8695407237938551E-3,{"$f":"IF($AA103<-'Results Dashboard'!$J$7,$AA103+'Results Dashboard'!$J$7,0)","v":0},{"$f":"IF($AA103<-'Results Dashboard'!$J$8,$AA103+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA103<-'Results Dashboard'!$J$9,$AA103+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA103<-'Results Dashboard'!$J$11,$AA103+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA103<-'Results Dashboard'!$J$10,$AA103+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X103+W103)>0,(X103+W103)*0.5*'User Parameters'!C$50,(X103+W103)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-3.0741508114556133E-2]
[0.94692971577167639,634.42282574248929,600.75382605939922,0.94692971577167651,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B104*'User Parameters'!$C$15","v":6.3442282574248932},-22.675228574334817,-3.5741508114556141E-2,0.95649466239563286,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},{"$f":"IF(UP_RSBasis=\"MLR\",J104-I104,IF(UP_RSBasis=\"Medical Baseline\",J104-$C104,0))","v":0},0,0,0,0,0,0,{"$f":"IF(UP_RSBasis=\"MLR\",SUMPRODUCT(L$4:Q$4,L104:Q104),\"\")","v":""},{"$f":"IF(UP_RSBasis=\"MLR\",R104*(B104-F104),SUMPRODUCT($L$4:$Q$4,$L104:$Q104))","v":0},{"$f":"(S104+C104+'User Parameters'!$C$12)/(B104-F104)","v":0.95649466239563286},{"$f":"IF(T104<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T104>'User Parameters'!$J$6,'User Parameters'!$J$6,T104))","v":0.95649466239563286},{"$f":"(U104-T104)*(B104-F104)","v":0},{"$f":"V104/B104","v":0},{"$f":"(B104-C104-F104-E104-S104-V104)/'Results Dashboard'!$D$43","v":-3.5741508114556141E-2},{"$f":"IF((X104+W104)>0,(X104+W104)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X104+W104)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-3.5741508114556141E-2,{"$f":"_xlfn.NORM.DIST(H104,$AD$2,$AD$3,TRUE)","v":1.1698203822352178E-2},5.0860246117930916E-3,5.0860246117930916E-3,5.0860246117930916E-3,{"$f":"IF($AA104<-'Results Dashboard'!$J$7,$AA104+'Results Dashboard'!$J$7,0)","v":-3.5499362609110185E-3},{"$f":"IF($AA104<-'Results Dashboard'!$J$8,$AA104+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA104<-'Results Dashboard'!$J$9,$AA104+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA104<-'Results Dashboard'!$J$11,$AA104+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA104<-'Results Dashboard'!$J$10,$AA104+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X104+W104)>0,(X104+W104)*0.5*'User Parameters'!C$50,(X104+W104)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-3.5741508114556141E-2]
[0.9519297157716764,634.42282574248929,603.92594018811167,0.95192971577167651,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B105*'User Parameters'!$C$15","v":6.3442282574248932},-25.847342703047268,-4.0741508114556145E-2,0.96154516744613783,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S105+C105+'User Parameters'!$C$12)/(B105-F105)","v":0.96154516744613783},{"$f":"IF(T105<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T105>'User Parameters'!$J$6,'User Parameters'!$J$6,T105))","v":0.96154516744613783},0,0,{"$f":"(B105-C105-F105-E105-S105-V105)/'Results Dashboard'!$D$43","v":-4.0741508114556145E-2},{"$f":"IF((X105+W105)>0,(X105+W105)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X105+W105)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-4.0741508114556145E-2,8.0073581922837454E-3,3.6908456300684331E-3,3.6908456300684331E-3,3.6908456300684331E-3,{"$f":"IF($AA105<-'Results Dashboard'!$J$7,$AA105+'Results Dashboard'!$J$7,0)","v":-8.549936260911023E-3},{"$f":"IF($AA105<-'Results Dashboard'!$J$8,$AA105+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA105<-'Results Dashboard'!$J$9,$AA105+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA105<-'Results Dashboard'!$J$11,$AA105+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA105<-'Results Dashboard'!$J$10,$AA105+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X105+W105)>0,(X105+W105)*0.5*'User Parameters'!C$50,(X105+W105)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-4.0741508114556145E-2]
[0.9569297157716764,634.42282574248929,607.09805431682412,0.95692971577167651,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B106*'User Parameters'!$C$15","v":6.3442282574248932},-29.019456831759719,-4.5741508114556156E-2,0.96659567249664291,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S106+C106+'User Parameters'!$C$12)/(B106-F106)","v":0.96659567249664291},{"$f":"IF(T106<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T106>'User Parameters'!$J$6,'User Parameters'!$J$6,T106))","v":0.96659567249664291},0,0,{"$f":"(B106-C106-F106-E106-S106-V106)/'Results Dashboard'!$D$43","v":-4.5741508114556156E-2},{"$f":"IF((X106+W106)>0,(X106+W106)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X106+W106)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-4.5741508114556156E-2,5.3821124407120698E-3,2.6252457515716756E-3,2.6252457515716756E-3,2.6252457515716756E-3,{"$f":"IF($AA106<-'Results Dashboard'!$J$7,$AA106+'Results Dashboard'!$J$7,0)","v":-1.3549936260911034E-2},{"$f":"IF($AA106<-'Results Dashboard'!$J$8,$AA106+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA106<-'Results Dashboard'!$J$9,$AA106+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA106<-'Results Dashboard'!$J$11,$AA106+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA106<-'Results Dashboard'!$J$10,$AA106+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X106+W106)>0,(X106+W106)*0.5*'User Parameters'!C$50,(X106+W106)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-4.5741508114556156E-2]
[0.96192971577167641,634.42282574248929,610.27016844553657,0.96192971577167652,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B107*'User Parameters'!$C$15","v":6.3442282574248932},-32.19157096047217,-5.0741508114556161E-2,0.97164617754714799,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S107+C107+'User Parameters'!$C$12)/(B107-F107)","v":0.97164617754714799},{"$f":"IF(T107<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T107>'User Parameters'!$J$6,'User Parameters'!$J$6,T107))","v":0.97164617754714799},0,0,{"$f":"(B107-C107-F107-E107-S107-V107)/'Results Dashboard'!$D$43","v":-5.0741508114556161E-2},{"$f":"IF((X107+W107)>0,(X107+W107)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X107+W107)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-5.0741508114556161E-2,3.5518612542830975E-3,1.8302511864289723E-3,1.8302511864289723E-3,1.8302511864289723E-3,{"$f":"IF($AA107<-'Results Dashboard'!$J$7,$AA107+'Results Dashboard'!$J$7,0)","v":-1.8549936260911039E-2},{"$f":"IF($AA107<-'Results Dashboard'!$J$8,$AA107+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA107<-'Results Dashboard'!$J$9,$AA107+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA107<-'Results Dashboard'!$J$11,$AA107+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA107<-'Results Dashboard'!$J$10,$AA107+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X107+W107)>0,(X107+W107)*0.5*'User Parameters'!C$50,(X107+W107)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-5.0741508114556161E-2]
[0.96692971577167641,634.42282574248929,613.44228257424902,0.96692971577167652,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B108*'User Parameters'!$C$15","v":6.3442282574248932},-35.363685089184621,-5.5741508114556165E-2,0.97669668259765308,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S108+C108+'User Parameters'!$C$12)/(B108-F108)","v":0.97669668259765308},{"$f":"IF(T108<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T108>'User Parameters'!$J$6,'User Parameters'!$J$6,T108))","v":0.97669668259765308},0,0,{"$f":"(B108-C108-F108-E108-S108-V108)/'Results Dashboard'!$D$43","v":-5.5741508114556165E-2},{"$f":"IF((X108+W108)>0,(X108+W108)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X108+W108)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-5.5741508114556165E-2,2.3011758866166724E-3,1.2506853676664252E-3,1.2506853676664252E-3,1.2506853676664252E-3,{"$f":"IF($AA108<-'Results Dashboard'!$J$7,$AA108+'Results Dashboard'!$J$7,0)","v":-2.3549936260911043E-2},{"$f":"IF($AA108<-'Results Dashboard'!$J$8,$AA108+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA108<-'Results Dashboard'!$J$9,$AA108+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA108<-'Results Dashboard'!$J$11,$AA108+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA108<-'Results Dashboard'!$J$10,$AA108+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X108+W108)>0,(X108+W108)*0.5*'User Parameters'!C$50,(X108+W108)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-5.5741508114556165E-2]
[0.97192971577167642,634.42282574248929,616.61439670296147,0.97192971577167653,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B109*'User Parameters'!$C$15","v":6.3442282574248932},-38.535799217897072,-6.0741508114556177E-2,0.98174718764815805,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S109+C109+'User Parameters'!$C$12)/(B109-F109)","v":0.98174718764815805},{"$f":"IF(T109<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T109>'User Parameters'!$J$6,'User Parameters'!$J$6,T109))","v":0.98174718764815805},0,0,{"$f":"(B109-C109-F109-E109-S109-V109)/'Results Dashboard'!$D$43","v":-6.0741508114556177E-2},{"$f":"IF((X109+W109)>0,(X109+W109)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X109+W109)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-6.0741508114556177E-2,1.4634883213435102E-3,8.376875652731622E-4,8.376875652731622E-4,8.376875652731622E-4,{"$f":"IF($AA109<-'Results Dashboard'!$J$7,$AA109+'Results Dashboard'!$J$7,0)","v":-2.8549936260911055E-2},{"$f":"IF($AA109<-'Results Dashboard'!$J$8,$AA109+'Results Dashboard'!$J$8,0)","v":0},{"$f":"IF($AA109<-'Results Dashboard'!$J$9,$AA109+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA109<-'Results Dashboard'!$J$11,$AA109+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA109<-'Results Dashboard'!$J$10,$AA109+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X109+W109)>0,(X109+W109)*0.5*'User Parameters'!C$50,(X109+W109)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-6.0741508114556177E-2]
[0.97692971577167642,634.42282574248929,619.78651083167392,0.97692971577167653,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B110*'User Parameters'!$C$15","v":6.3442282574248932},-41.707913346609523,-6.5741508114556188E-2,0.98679769269866313,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S110+C110+'User Parameters'!$C$12)/(B110-F110)","v":0.98679769269866313},{"$f":"IF(T110<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T110>'User Parameters'!$J$6,'User Parameters'!$J$6,T110))","v":0.98679769269866313},0,0,{"$f":"(B110-C110-F110-E110-S110-V110)/'Results Dashboard'!$D$43","v":-6.5741508114556188E-2},{"$f":"IF((X110+W110)>0,(X110+W110)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X110+W110)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-6.5741508114556188E-2,9.1355164424074937E-4,5.499366771027608E-4,5.499366771027608E-4,5.499366771027608E-4,{"$f":"IF($AA110<-'Results Dashboard'!$J$7,$AA110+'Results Dashboard'!$J$7,0)","v":-3.3549936260911066E-2},{"$f":"IF($AA110<-'Results Dashboard'!$J$8,$AA110+'Results Dashboard'!$J$8,0)","v":-1.358364407265944E-3},{"$f":"IF($AA110<-'Results Dashboard'!$J$9,$AA110+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA110<-'Results Dashboard'!$J$11,$AA110+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA110<-'Results Dashboard'!$J$10,$AA110+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X110+W110)>0,(X110+W110)*0.5*'User Parameters'!C$50,(X110+W110)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-6.5741508114556188E-2]
[0.98192971577167643,634.42282574248929,622.95862496038626,0.98192971577167631,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B111*'User Parameters'!$C$15","v":6.3442282574248932},-44.88002747532186,-7.0741508114556012E-2,0.99184819774916799,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S111+C111+'User Parameters'!$C$12)/(B111-F111)","v":0.99184819774916799},{"$f":"IF(T111<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T111>'User Parameters'!$J$6,'User Parameters'!$J$6,T111))","v":0.99184819774916799},0,0,{"$f":"(B111-C111-F111-E111-S111-V111)/'Results Dashboard'!$D$43","v":-7.0741508114556012E-2},{"$f":"IF((X111+W111)>0,(X111+W111)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X111+W111)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-7.0741508114556012E-2,5.5968477319719677E-4,3.538668710435526E-4,3.538668710435526E-4,3.538668710435526E-4,{"$f":"IF($AA111<-'Results Dashboard'!$J$7,$AA111+'Results Dashboard'!$J$7,0)","v":-3.854993626091089E-2},{"$f":"IF($AA111<-'Results Dashboard'!$J$8,$AA111+'Results Dashboard'!$J$8,0)","v":-6.358364407265768E-3},{"$f":"IF($AA111<-'Results Dashboard'!$J$9,$AA111+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA111<-'Results Dashboard'!$J$11,$AA111+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA111<-'Results Dashboard'!$J$10,$AA111+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X111+W111)>0,(X111+W111)*0.5*'User Parameters'!C$50,(X111+W111)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-7.0741508114556012E-2]
[0.98692971577167643,634.42282574248929,626.13073908909871,0.98692971577167632,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B112*'User Parameters'!$C$15","v":6.3442282574248932},-48.052141604034311,-7.5741508114556017E-2,0.99689870279967308,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S112+C112+'User Parameters'!$C$12)/(B112-F112)","v":0.99689870279967308},{"$f":"IF(T112<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T112>'User Parameters'!$J$6,'User Parameters'!$J$6,T112))","v":0.99689870279967308},0,0,{"$f":"(B112-C112-F112-E112-S112-V112)/'Results Dashboard'!$D$43","v":-7.5741508114556017E-2},{"$f":"IF((X112+W112)>0,(X112+W112)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X112+W112)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-7.5741508114556017E-2,3.3650043326753155E-4,2.2318433992966522E-4,2.2318433992966522E-4,2.2318433992966522E-4,{"$f":"IF($AA112<-'Results Dashboard'!$J$7,$AA112+'Results Dashboard'!$J$7,0)","v":-4.3549936260910894E-2},{"$f":"IF($AA112<-'Results Dashboard'!$J$8,$AA112+'Results Dashboard'!$J$8,0)","v":-1.1358364407265772E-2},{"$f":"IF($AA112<-'Results Dashboard'!$J$9,$AA112+'Results Dashboard'!$J$9,0)","v":0},{"$f":"IF($AA112<-'Results Dashboard'!$J$11,$AA112+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA112<-'Results Dashboard'!$J$10,$AA112+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X112+W112)>0,(X112+W112)*0.5*'User Parameters'!C$50,(X112+W112)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-7.5741508114556017E-2]
[0.99192971577167643,634.42282574248929,629.30285321781116,0.99192971577167632,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B113*'User Parameters'!$C$15","v":6.3442282574248932},-51.224255732746762,-8.0741508114556021E-2,1.0019492078501782,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S113+C113+'User Parameters'!$C$12)/(B113-F113)","v":1.0019492078501782},{"$f":"IF(T113<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T113>'User Parameters'!$J$6,'User Parameters'!$J$6,T113))","v":1.0019492078501782},0,0,{"$f":"(B113-C113-F113-E113-S113-V113)/'Results Dashboard'!$D$43","v":-8.0741508114556021E-2},{"$f":"IF((X113+W113)>0,(X113+W113)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X113+W113)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-8.0741508114556021E-2,1.985306096057355E-4,1.3796982366179604E-4,1.3796982366179604E-4,1.3796982366179604E-4,{"$f":"IF($AA113<-'Results Dashboard'!$J$7,$AA113+'Results Dashboard'!$J$7,0)","v":-4.8549936260910899E-2},{"$f":"IF($AA113<-'Results Dashboard'!$J$8,$AA113+'Results Dashboard'!$J$8,0)","v":-1.6358364407265777E-2},{"$f":"IF($AA113<-'Results Dashboard'!$J$9,$AA113+'Results Dashboard'!$J$9,0)","v":-2.6257848044322629E-4},{"$f":"IF($AA113<-'Results Dashboard'!$J$11,$AA113+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA113<-'Results Dashboard'!$J$10,$AA113+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X113+W113)>0,(X113+W113)*0.5*'User Parameters'!C$50,(X113+W113)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-8.0741508114556021E-2]
[0.99692971577167644,634.42282574248929,632.47496734652361,0.99692971577167633,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B114*'User Parameters'!$C$15","v":6.3442282574248932},-54.396369861459213,-8.5741508114556025E-2,1.0069997129006831,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S114+C114+'User Parameters'!$C$12)/(B114-F114)","v":1.0069997129006831},{"$f":"IF(T114<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T114>'User Parameters'!$J$6,'User Parameters'!$J$6,T114))","v":1.0069997129006831},0,0,{"$f":"(B114-C114-F114-E114-S114-V114)/'Results Dashboard'!$D$43","v":-8.5741508114556025E-2},{"$f":"IF((X114+W114)>0,(X114+W114)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X114+W114)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-8.5741508114556025E-2,1.149316130459251E-4,8.3598996559810403E-5,8.3598996559810403E-5,8.3598996559810403E-5,{"$f":"IF($AA114<-'Results Dashboard'!$J$7,$AA114+'Results Dashboard'!$J$7,0)","v":-5.3549936260910903E-2},{"$f":"IF($AA114<-'Results Dashboard'!$J$8,$AA114+'Results Dashboard'!$J$8,0)","v":-2.1358364407265781E-2},{"$f":"IF($AA114<-'Results Dashboard'!$J$9,$AA114+'Results Dashboard'!$J$9,0)","v":-5.2625784804432307E-3},{"$f":"IF($AA114<-'Results Dashboard'!$J$11,$AA114+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA114<-'Results Dashboard'!$J$10,$AA114+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X114+W114)>0,(X114+W114)*0.5*'User Parameters'!C$50,(X114+W114)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-8.5741508114556025E-2]
[1.0019297157716764,634.42282574248929,635.64708147523606,1.0019297157716764,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B115*'User Parameters'!$C$15","v":6.3442282574248932},-57.568483990171664,-9.0741508114556044E-2,1.0120502179511883,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S115+C115+'User Parameters'!$C$12)/(B115-F115)","v":1.0120502179511883},{"$f":"IF(T115<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T115>'User Parameters'!$J$6,'User Parameters'!$J$6,T115))","v":1.0120502179511883},0,0,{"$f":"(B115-C115-F115-E115-S115-V115)/'Results Dashboard'!$D$43","v":-9.0741508114556044E-2},{"$f":"IF((X115+W115)>0,(X115+W115)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X115+W115)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-9.0741508114556044E-2,6.5282148374039227E-5,4.9649464671885874E-5,4.9649464671885874E-5,4.9649464671885874E-5,{"$f":"IF($AA115<-'Results Dashboard'!$J$7,$AA115+'Results Dashboard'!$J$7,0)","v":-5.8549936260910922E-2},{"$f":"IF($AA115<-'Results Dashboard'!$J$8,$AA115+'Results Dashboard'!$J$8,0)","v":-2.63583644072658E-2},{"$f":"IF($AA115<-'Results Dashboard'!$J$9,$AA115+'Results Dashboard'!$J$9,0)","v":-1.0262578480443249E-2},{"$f":"IF($AA115<-'Results Dashboard'!$J$11,$AA115+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA115<-'Results Dashboard'!$J$10,$AA115+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X115+W115)>0,(X115+W115)*0.5*'User Parameters'!C$50,(X115+W115)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-9.0741508114556044E-2]
[1.0069297157716763,634.42282574248929,638.81919560394851,1.0069297157716763,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B116*'User Parameters'!$C$15","v":6.3442282574248932},-60.740598118884115,-9.5741508114556048E-2,1.0171007230016933,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S116+C116+'User Parameters'!$C$12)/(B116-F116)","v":1.0171007230016933},{"$f":"IF(T116<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T116>'User Parameters'!$J$6,'User Parameters'!$J$6,T116))","v":1.0171007230016933},0,0,{"$f":"(B116-C116-F116-E116-S116-V116)/'Results Dashboard'!$D$43","v":-9.5741508114556048E-2},{"$f":"IF((X116+W116)>0,(X116+W116)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X116+W116)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-9.5741508114556048E-2,3.6380367027216047E-5,2.890178134682318E-5,2.890178134682318E-5,2.890178134682318E-5,{"$f":"IF($AA116<-'Results Dashboard'!$J$7,$AA116+'Results Dashboard'!$J$7,0)","v":-6.3549936260910933E-2},{"$f":"IF($AA116<-'Results Dashboard'!$J$8,$AA116+'Results Dashboard'!$J$8,0)","v":-3.1358364407265804E-2},{"$f":"IF($AA116<-'Results Dashboard'!$J$9,$AA116+'Results Dashboard'!$J$9,0)","v":-1.5262578480443253E-2},{"$f":"IF($AA116<-'Results Dashboard'!$J$11,$AA116+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA116<-'Results Dashboard'!$J$10,$AA116+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X116+W116)>0,(X116+W116)*0.5*'User Parameters'!C$50,(X116+W116)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-9.5741508114556048E-2]
[1.0119297157716762,634.42282574248929,641.99130973266085,1.0119297157716762,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B117*'User Parameters'!$C$15","v":6.3442282574248932},-63.912712247596453,-0.10074150811455587,1.0221512280521983,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S117+C117+'User Parameters'!$C$12)/(B117-F117)","v":1.0221512280521983},{"$f":"IF(T117<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T117>'User Parameters'!$J$6,'User Parameters'!$J$6,T117))","v":1.0221512280521983},0,0,{"$f":"(B117-C117-F117-E117-S117-V117)/'Results Dashboard'!$D$43","v":-0.10074150811455587},{"$f":"IF((X117+W117)>0,(X117+W117)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X117+W117)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.10074150811455587,1.9889967728403561E-5,1.6490399298812486E-5,1.6490399298812486E-5,1.6490399298812486E-5,{"$f":"IF($AA117<-'Results Dashboard'!$J$7,$AA117+'Results Dashboard'!$J$7,0)","v":-6.8549936260910743E-2},{"$f":"IF($AA117<-'Results Dashboard'!$J$8,$AA117+'Results Dashboard'!$J$8,0)","v":-3.6358364407265628E-2},{"$f":"IF($AA117<-'Results Dashboard'!$J$9,$AA117+'Results Dashboard'!$J$9,0)","v":-2.0262578480443078E-2},{"$f":"IF($AA117<-'Results Dashboard'!$J$11,$AA117+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA117<-'Results Dashboard'!$J$10,$AA117+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X117+W117)>0,(X117+W117)*0.5*'User Parameters'!C$50,(X117+W117)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.10074150811455587]
[1.0169297157716761,634.42282574248929,645.1634238613733,1.0169297157716761,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B118*'User Parameters'!$C$15","v":6.3442282574248932},-67.084826376308897,-0.10574150811455588,1.0272017331027032,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S118+C118+'User Parameters'!$C$12)/(B118-F118)","v":1.0272017331027032},{"$f":"IF(T118<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T118>'User Parameters'!$J$6,'User Parameters'!$J$6,T118))","v":1.0272017331027032},0,0,{"$f":"(B118-C118-F118-E118-S118-V118)/'Results Dashboard'!$D$43","v":-0.10574150811455589},{"$f":"IF((X118+W118)>0,(X118+W118)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X118+W118)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.10574150811455589,1.0667774102869743E-5,9.2221936255338184E-6,9.2221936255338184E-6,9.2221936255338184E-6,{"$f":"IF($AA118<-'Results Dashboard'!$J$7,$AA118+'Results Dashboard'!$J$7,0)","v":-7.3549936260910775E-2},{"$f":"IF($AA118<-'Results Dashboard'!$J$8,$AA118+'Results Dashboard'!$J$8,0)","v":-4.1358364407265646E-2},{"$f":"IF($AA118<-'Results Dashboard'!$J$9,$AA118+'Results Dashboard'!$J$9,0)","v":-2.5262578480443096E-2},{"$f":"IF($AA118<-'Results Dashboard'!$J$11,$AA118+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA118<-'Results Dashboard'!$J$10,$AA118+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X118+W118)>0,(X118+W118)*0.5*'User Parameters'!C$50,(X118+W118)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.10574150811455589]
[1.021929715771676,634.42282574248929,648.33553799008564,1.021929715771676,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B119*'User Parameters'!$C$15","v":6.3442282574248932},-70.256940505021234,-0.1107415081145557,1.0322522381532082,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S119+C119+'User Parameters'!$C$12)/(B119-F119)","v":1.0322522381532082},{"$f":"IF(T119<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T119>'User Parameters'!$J$6,'User Parameters'!$J$6,T119))","v":1.0322522381532082},0,0,{"$f":"(B119-C119-F119-E119-S119-V119)/'Results Dashboard'!$D$43","v":-0.11074150811455571},{"$f":"IF((X119+W119)>0,(X119+W119)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X119+W119)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.11074150811455571,5.6126271159952218E-6,5.0551469868745209E-6,5.0551469868745209E-6,5.0551469868745209E-6,{"$f":"IF($AA119<-'Results Dashboard'!$J$7,$AA119+'Results Dashboard'!$J$7,0)","v":-7.8549936260910586E-2},{"$f":"IF($AA119<-'Results Dashboard'!$J$8,$AA119+'Results Dashboard'!$J$8,0)","v":-4.635836440726547E-2},{"$f":"IF($AA119<-'Results Dashboard'!$J$9,$AA119+'Results Dashboard'!$J$9,0)","v":-3.026257848044292E-2},{"$f":"IF($AA119<-'Results Dashboard'!$J$11,$AA119+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA119<-'Results Dashboard'!$J$10,$AA119+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X119+W119)>0,(X119+W119)*0.5*'User Parameters'!C$50,(X119+W119)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.11074150811455571]
[1.0269297157716759,634.42282574248929,651.50765211879798,1.0269297157716759,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B120*'User Parameters'!$C$15","v":6.3442282574248932},-73.429054633733571,-0.11574150811455552,1.037302743203713,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S120+C120+'User Parameters'!$C$12)/(B120-F120)","v":1.037302743203713},{"$f":"IF(T120<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T120>'User Parameters'!$J$6,'User Parameters'!$J$6,T120))","v":1.037302743203713},0,0,{"$f":"(B120-C120-F120-E120-S120-V120)/'Results Dashboard'!$D$43","v":-0.11574150811455555},{"$f":"IF((X120+W120)>0,(X120+W120)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X120+W120)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.11574150811455555,2.8966268397742923E-6,2.7160002762209296E-6,2.7160002762209296E-6,2.7160002762209296E-6,{"$f":"IF($AA120<-'Results Dashboard'!$J$7,$AA120+'Results Dashboard'!$J$7,0)","v":-8.3549936260910423E-2},{"$f":"IF($AA120<-'Results Dashboard'!$J$8,$AA120+'Results Dashboard'!$J$8,0)","v":-5.1358364407265308E-2},{"$f":"IF($AA120<-'Results Dashboard'!$J$9,$AA120+'Results Dashboard'!$J$9,0)","v":-3.5262578480442758E-2},{"$f":"IF($AA120<-'Results Dashboard'!$J$11,$AA120+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA120<-'Results Dashboard'!$J$10,$AA120+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X120+W120)>0,(X120+W120)*0.5*'User Parameters'!C$50,(X120+W120)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.11574150811455555]
[1.0319297157716758,634.42282574248929,654.67976624751043,1.0319297157716758,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B121*'User Parameters'!$C$15","v":6.3442282574248932},-76.601168762446022,-0.12074150811455553,1.0423532482542182,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S121+C121+'User Parameters'!$C$12)/(B121-F121)","v":1.0423532482542182},{"$f":"IF(T121<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T121>'User Parameters'!$J$6,'User Parameters'!$J$6,T121))","v":1.0423532482542182},0,0,{"$f":"(B121-C121-F121-E121-S121-V121)/'Results Dashboard'!$D$43","v":-0.12074150811455556},{"$f":"IF((X121+W121)>0,(X121+W121)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X121+W121)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.12074150811455556,1.4663428275714938E-6,1.4302840122027984E-6,1.4302840122027984E-6,1.4302840122027984E-6,{"$f":"IF($AA121<-'Results Dashboard'!$J$7,$AA121+'Results Dashboard'!$J$7,0)","v":-8.8549936260910428E-2},{"$f":"IF($AA121<-'Results Dashboard'!$J$8,$AA121+'Results Dashboard'!$J$8,0)","v":-5.6358364407265313E-2},{"$f":"IF($AA121<-'Results Dashboard'!$J$9,$AA121+'Results Dashboard'!$J$9,0)","v":-4.0262578480442762E-2},{"$f":"IF($AA121<-'Results Dashboard'!$J$11,$AA121+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA121<-'Results Dashboard'!$J$10,$AA121+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X121+W121)>0,(X121+W121)*0.5*'User Parameters'!C$50,(X121+W121)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.12074150811455556]
[1.0369297157716757,634.42282574248929,657.85188037622277,1.0369297157716757,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B122*'User Parameters'!$C$15","v":6.3442282574248932},-79.77328289115836,-0.12574150811455537,1.0474037533047229,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S122+C122+'User Parameters'!$C$12)/(B122-F122)","v":1.0474037533047229},{"$f":"IF(T122<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T122>'User Parameters'!$J$6,'User Parameters'!$J$6,T122))","v":1.0474037533047229},0,0,{"$f":"(B122-C122-F122-E122-S122-V122)/'Results Dashboard'!$D$43","v":-0.12574150811455539},{"$f":"IF((X122+W122)>0,(X122+W122)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X122+W122)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.12574150811455539,7.2807967526749145E-7,7.3826315230400239E-7,7.3826315230400239E-7,7.3826315230400239E-7,{"$f":"IF($AA122<-'Results Dashboard'!$J$7,$AA122+'Results Dashboard'!$J$7,0)","v":-9.3549936260910266E-2},{"$f":"IF($AA122<-'Results Dashboard'!$J$8,$AA122+'Results Dashboard'!$J$8,0)","v":-6.1358364407265151E-2},{"$f":"IF($AA122<-'Results Dashboard'!$J$9,$AA122+'Results Dashboard'!$J$9,0)","v":-4.52625784804426E-2},{"$f":"IF($AA122<-'Results Dashboard'!$J$11,$AA122+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA122<-'Results Dashboard'!$J$10,$AA122+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X122+W122)>0,(X122+W122)*0.5*'User Parameters'!C$50,(X122+W122)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.12574150811455539]
[1.0419297157716756,634.42282574248929,661.0239945049351,1.0419297157716756,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B123*'User Parameters'!$C$15","v":6.3442282574248932},-82.945397019870697,-0.13074150811455518,1.0524542583552279,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S123+C123+'User Parameters'!$C$12)/(B123-F123)","v":1.0524542583552279},{"$f":"IF(T123<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T123>'User Parameters'!$J$6,'User Parameters'!$J$6,T123))","v":1.0524542583552279},0,0,{"$f":"(B123-C123-F123-E123-S123-V123)/'Results Dashboard'!$D$43","v":-0.1307415081145552},{"$f":"IF((X123+W123)>0,(X123+W123)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X123+W123)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.1307415081145552,3.5457459178500304E-7,3.7350508348248841E-7,3.7350508348248841E-7,3.7350508348248841E-7,{"$f":"IF($AA123<-'Results Dashboard'!$J$7,$AA123+'Results Dashboard'!$J$7,0)","v":-9.8549936260910076E-2},{"$f":"IF($AA123<-'Results Dashboard'!$J$8,$AA123+'Results Dashboard'!$J$8,0)","v":-6.6358364407264961E-2},{"$f":"IF($AA123<-'Results Dashboard'!$J$9,$AA123+'Results Dashboard'!$J$9,0)","v":-5.026257848044241E-2},{"$f":"IF($AA123<-'Results Dashboard'!$J$11,$AA123+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA123<-'Results Dashboard'!$J$10,$AA123+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X123+W123)>0,(X123+W123)*0.5*'User Parameters'!C$50,(X123+W123)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.1307415081145552]
[1.0469297157716755,634.42282574248929,664.19610863364755,1.0469297157716755,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B124*'User Parameters'!$C$15","v":6.3442282574248932},-86.117511148583148,-0.13574150811455521,1.0575047634057329,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S124+C124+'User Parameters'!$C$12)/(B124-F124)","v":1.0575047634057329},{"$f":"IF(T124<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T124>'User Parameters'!$J$6,'User Parameters'!$J$6,T124))","v":1.0575047634057329},0,0,{"$f":"(B124-C124-F124-E124-S124-V124)/'Results Dashboard'!$D$43","v":-0.13574150811455521},{"$f":"IF((X124+W124)>0,(X124+W124)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X124+W124)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.13574150811455521,1.6935870396644689E-7,1.8521588781855615E-7,1.8521588781855615E-7,1.8521588781855615E-7,{"$f":"IF($AA124<-'Results Dashboard'!$J$7,$AA124+'Results Dashboard'!$J$7,0)","v":-0.10354993626091008},{"$f":"IF($AA124<-'Results Dashboard'!$J$8,$AA124+'Results Dashboard'!$J$8,0)","v":-7.1358364407264965E-2},{"$f":"IF($AA124<-'Results Dashboard'!$J$9,$AA124+'Results Dashboard'!$J$9,0)","v":-5.5262578480442415E-2},{"$f":"IF($AA124<-'Results Dashboard'!$J$11,$AA124+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA124<-'Results Dashboard'!$J$10,$AA124+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X124+W124)>0,(X124+W124)*0.5*'User Parameters'!C$50,(X124+W124)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.13574150811455521]
[1.0519297157716754,634.42282574248929,667.36822276235989,1.0519297157716754,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B125*'User Parameters'!$C$15","v":6.3442282574248932},-89.289625277295485,-0.14074150811455502,1.0625552684562378,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S125+C125+'User Parameters'!$C$12)/(B125-F125)","v":1.0625552684562378},{"$f":"IF(T125<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T125>'User Parameters'!$J$6,'User Parameters'!$J$6,T125))","v":1.0625552684562378},0,0,{"$f":"(B125-C125-F125-E125-S125-V125)/'Results Dashboard'!$D$43","v":-0.14074150811455505},{"$f":"IF((X125+W125)>0,(X125+W125)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X125+W125)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.14074150811455505,7.9335112484189137E-8,9.0023591482257757E-8,9.0023591482257757E-8,9.0023591482257757E-8,{"$f":"IF($AA125<-'Results Dashboard'!$J$7,$AA125+'Results Dashboard'!$J$7,0)","v":-0.10854993626090992},{"$f":"IF($AA125<-'Results Dashboard'!$J$8,$AA125+'Results Dashboard'!$J$8,0)","v":-7.6358364407264803E-2},{"$f":"IF($AA125<-'Results Dashboard'!$J$9,$AA125+'Results Dashboard'!$J$9,0)","v":-6.0262578480442253E-2},{"$f":"IF($AA125<-'Results Dashboard'!$J$11,$AA125+'Results Dashboard'!$J$11,0)","v":0},{"$f":"IF($AA125<-'Results Dashboard'!$J$10,$AA125+'Results Dashboard'!$J$10,0)","v":0},null,{"$f":"IF((X125+W125)>0,(X125+W125)*0.5*'User Parameters'!C$50,(X125+W125)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.14074150811455505]
[1.0569297157716753,634.42282574248929,670.54033689107223,1.0569297157716753,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B126*'User Parameters'!$C$15","v":6.3442282574248932},-92.461739406007823,-0.14574150811455486,1.0676057735067426,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S126+C126+'User Parameters'!$C$12)/(B126-F126)","v":1.0676057735067426},{"$f":"IF(T126<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T126>'User Parameters'!$J$6,'User Parameters'!$J$6,T126))","v":1.0676057735067426},0,0,{"$f":"(B126-C126-F126-E126-S126-V126)/'Results Dashboard'!$D$43","v":-0.14574150811455489},{"$f":"IF((X126+W126)>0,(X126+W126)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X126+W126)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.14574150811455489,3.6447606778058217E-8,4.288750570613092E-8,4.288750570613092E-8,4.288750570613092E-8,{"$f":"IF($AA126<-'Results Dashboard'!$J$7,$AA126+'Results Dashboard'!$J$7,0)","v":-0.11354993626090976},{"$f":"IF($AA126<-'Results Dashboard'!$J$8,$AA126+'Results Dashboard'!$J$8,0)","v":-8.1358364407264641E-2},{"$f":"IF($AA126<-'Results Dashboard'!$J$9,$AA126+'Results Dashboard'!$J$9,0)","v":-6.5262578480442091E-2},{"$f":"IF($AA126<-'Results Dashboard'!$J$11,$AA126+'Results Dashboard'!$J$11,0)","v":-8.7943477315183261E-4},{"$f":"IF($AA126<-'Results Dashboard'!$J$10,$AA126+'Results Dashboard'!$J$10,0)","v":-8.7943477315183261E-4},null,{"$f":"IF((X126+W126)>0,(X126+W126)*0.5*'User Parameters'!C$50,(X126+W126)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.14574150811455489]
[1.0619297157716752,634.42282574248929,673.71245101978468,1.0619297157716752,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B127*'User Parameters'!$C$15","v":6.3442282574248932},-95.633853534720274,-0.15074150811455486,1.0726562785572478,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S127+C127+'User Parameters'!$C$12)/(B127-F127)","v":1.0726562785572478},{"$f":"IF(T127<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T127>'User Parameters'!$J$6,'User Parameters'!$J$6,T127))","v":1.0726562785572478},0,0,{"$f":"(B127-C127-F127-E127-S127-V127)/'Results Dashboard'!$D$43","v":-0.15074150811455489},{"$f":"IF((X127+W127)>0,(X127+W127)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X127+W127)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.15074150811455489,1.6421267098634208E-8,2.0026339679424009E-8,2.0026339679424009E-8,2.0026339679424009E-8,{"$f":"IF($AA127<-'Results Dashboard'!$J$7,$AA127+'Results Dashboard'!$J$7,0)","v":-0.11854993626090976},{"$f":"IF($AA127<-'Results Dashboard'!$J$8,$AA127+'Results Dashboard'!$J$8,0)","v":-8.6358364407264646E-2},{"$f":"IF($AA127<-'Results Dashboard'!$J$9,$AA127+'Results Dashboard'!$J$9,0)","v":-7.0262578480442095E-2},{"$f":"IF($AA127<-'Results Dashboard'!$J$11,$AA127+'Results Dashboard'!$J$11,0)","v":-5.879434773151837E-3},{"$f":"IF($AA127<-'Results Dashboard'!$J$10,$AA127+'Results Dashboard'!$J$10,0)","v":-5.879434773151837E-3},null,{"$f":"IF((X127+W127)>0,(X127+W127)*0.5*'User Parameters'!C$50,(X127+W127)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.15074150811455489]
[1.0669297157716751,634.42282574248929,676.88456514849702,1.0669297157716751,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B128*'User Parameters'!$C$15","v":6.3442282574248932},-98.805967663432611,-0.1557415081145547,1.0777067836077525,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S128+C128+'User Parameters'!$C$12)/(B128-F128)","v":1.0777067836077525},{"$f":"IF(T128<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T128>'User Parameters'!$J$6,'User Parameters'!$J$6,T128))","v":1.0777067836077525},0,0,{"$f":"(B128-C128-F128-E128-S128-V128)/'Results Dashboard'!$D$43","v":-0.1557415081145547},{"$f":"IF((X128+W128)>0,(X128+W128)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X128+W128)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.1557415081145547,7.2555028639885499E-9,9.1657642346456577E-9,9.1657642346456577E-9,9.1657642346456577E-9,{"$f":"IF($AA128<-'Results Dashboard'!$J$7,$AA128+'Results Dashboard'!$J$7,0)","v":-0.12354993626090957},{"$f":"IF($AA128<-'Results Dashboard'!$J$8,$AA128+'Results Dashboard'!$J$8,0)","v":-9.1358364407264456E-2},{"$f":"IF($AA128<-'Results Dashboard'!$J$9,$AA128+'Results Dashboard'!$J$9,0)","v":-7.5262578480441905E-2},{"$f":"IF($AA128<-'Results Dashboard'!$J$11,$AA128+'Results Dashboard'!$J$11,0)","v":-1.0879434773151647E-2},{"$f":"IF($AA128<-'Results Dashboard'!$J$10,$AA128+'Results Dashboard'!$J$10,0)","v":-1.0879434773151647E-2},null,{"$f":"IF((X128+W128)>0,(X128+W128)*0.5*'User Parameters'!C$50,(X128+W128)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.1557415081145547]
[{"$f":"A128+0.005","v":1.071929715771675},634.42282574248929,680.05667927720947,1.071929715771675,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B129*'User Parameters'!$C$15","v":6.3442282574248932},-101.97808179214506,-0.1607415081145547,1.0827572886582577,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S129+C129+'User Parameters'!$C$12)/(B129-F129)","v":1.0827572886582577},{"$f":"IF(T129<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T129>'User Parameters'!$J$6,'User Parameters'!$J$6,T129))","v":1.0827572886582577},0,0,{"$f":"(B129-C129-F129-E129-S129-V129)/'Results Dashboard'!$D$43","v":-0.1607415081145547},{"$f":"IF((X129+W129)>0,(X129+W129)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X129+W129)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.1607415081145547,3.1437019548450632E-9,4.1118009091434867E-9,4.1118009091434867E-9,4.1118009091434867E-9,{"$f":"IF($AA129<-'Results Dashboard'!$J$7,$AA129+'Results Dashboard'!$J$7,0)","v":-0.12854993626090958},{"$f":"IF($AA129<-'Results Dashboard'!$J$8,$AA129+'Results Dashboard'!$J$8,0)","v":-9.635836440726446E-2},{"$f":"IF($AA129<-'Results Dashboard'!$J$9,$AA129+'Results Dashboard'!$J$9,0)","v":-8.026257848044191E-2},{"$f":"IF($AA129<-'Results Dashboard'!$J$11,$AA129+'Results Dashboard'!$J$11,0)","v":-1.5879434773151652E-2},{"$f":"IF($AA129<-'Results Dashboard'!$J$10,$AA129+'Results Dashboard'!$J$10,0)","v":-1.5879434773151652E-2},null,{"$f":"IF((X129+W129)>0,(X129+W129)*0.5*'User Parameters'!C$50,(X129+W129)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.1607415081145547]
[1.0769297157716748,634.42282574248929,683.22879340592181,1.0769297157716748,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B130*'User Parameters'!$C$15","v":6.3442282574248932},-105.1501959208574,-0.16574150811455451,1.0878077937087625,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S130+C130+'User Parameters'!$C$12)/(B130-F130)","v":1.0878077937087625},{"$f":"IF(T130<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T130>'User Parameters'!$J$6,'User Parameters'!$J$6,T130))","v":1.0878077937087625},0,0,{"$f":"(B130-C130-F130-E130-S130-V130)/'Results Dashboard'!$D$43","v":-0.16574150811455454},{"$f":"IF((X130+W130)>0,(X130+W130)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X130+W130)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.16574150811455454,1.3357297698255146E-9,1.8079721850195486E-9,1.8079721850195486E-9,1.8079721850195486E-9,{"$f":"IF($AA130<-'Results Dashboard'!$J$7,$AA130+'Results Dashboard'!$J$7,0)","v":-0.13354993626090941},{"$f":"IF($AA130<-'Results Dashboard'!$J$8,$AA130+'Results Dashboard'!$J$8,0)","v":-0.1013583644072643},{"$f":"IF($AA130<-'Results Dashboard'!$J$9,$AA130+'Results Dashboard'!$J$9,0)","v":-8.5262578480441747E-2},{"$f":"IF($AA130<-'Results Dashboard'!$J$11,$AA130+'Results Dashboard'!$J$11,0)","v":-2.087943477315149E-2},{"$f":"IF($AA130<-'Results Dashboard'!$J$10,$AA130+'Results Dashboard'!$J$10,0)","v":-2.087943477315149E-2},null,{"$f":"IF((X130+W130)>0,(X130+W130)*0.5*'User Parameters'!C$50,(X130+W130)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.16574150811455454]
[1.0819297157716747,634.42282574248929,686.40090753463414,1.0819297157716747,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B131*'User Parameters'!$C$15","v":6.3442282574248932},-108.32231004956974,-0.17074150811455435,1.0928582987592674,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S131+C131+'User Parameters'!$C$12)/(B131-F131)","v":1.0928582987592674},{"$f":"IF(T131<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T131>'User Parameters'!$J$6,'User Parameters'!$J$6,T131))","v":1.0928582987592674},0,0,{"$f":"(B131-C131-F131-E131-S131-V131)/'Results Dashboard'!$D$43","v":-0.17074150811455438},{"$f":"IF((X131+W131)>0,(X131+W131)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X131+W131)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.17074150811455438,5.5653207568245387E-10,7.7919769414306077E-10,7.7919769414306077E-10,7.7919769414306077E-10,{"$f":"IF($AA131<-'Results Dashboard'!$J$7,$AA131+'Results Dashboard'!$J$7,0)","v":-0.13854993626090925},{"$f":"IF($AA131<-'Results Dashboard'!$J$8,$AA131+'Results Dashboard'!$J$8,0)","v":-0.10635836440726414},{"$f":"IF($AA131<-'Results Dashboard'!$J$9,$AA131+'Results Dashboard'!$J$9,0)","v":-9.0262578480441585E-2},{"$f":"IF($AA131<-'Results Dashboard'!$J$11,$AA131+'Results Dashboard'!$J$11,0)","v":-2.5879434773151327E-2},{"$f":"IF($AA131<-'Results Dashboard'!$J$10,$AA131+'Results Dashboard'!$J$10,0)","v":-2.5879434773151327E-2},null,{"$f":"IF((X131+W131)>0,(X131+W131)*0.5*'User Parameters'!C$50,(X131+W131)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.17074150811455438]
[1.0869297157716746,634.42282574248929,689.57302166334659,1.0869297157716746,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B132*'User Parameters'!$C$15","v":6.3442282574248932},-111.49442417828219,-0.17574150811455436,1.0979088038097724,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S132+C132+'User Parameters'!$C$12)/(B132-F132)","v":1.0979088038097724},{"$f":"IF(T132<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T132>'User Parameters'!$J$6,'User Parameters'!$J$6,T132))","v":1.0979088038097724},0,0,{"$f":"(B132-C132-F132-E132-S132-V132)/'Results Dashboard'!$D$43","v":-0.17574150811455438},{"$f":"IF((X132+W132)>0,(X132+W132)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X132+W132)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.17574150811455438,2.2737757576506366E-10,3.2915449991739023E-10,3.2915449991739023E-10,3.2915449991739023E-10,{"$f":"IF($AA132<-'Results Dashboard'!$J$7,$AA132+'Results Dashboard'!$J$7,0)","v":-0.14354993626090926},{"$f":"IF($AA132<-'Results Dashboard'!$J$8,$AA132+'Results Dashboard'!$J$8,0)","v":-0.11135836440726414},{"$f":"IF($AA132<-'Results Dashboard'!$J$9,$AA132+'Results Dashboard'!$J$9,0)","v":-9.526257848044159E-2},{"$f":"IF($AA132<-'Results Dashboard'!$J$11,$AA132+'Results Dashboard'!$J$11,0)","v":-3.0879434773151332E-2},{"$f":"IF($AA132<-'Results Dashboard'!$J$10,$AA132+'Results Dashboard'!$J$10,0)","v":-3.0879434773151332E-2},null,{"$f":"IF((X132+W132)>0,(X132+W132)*0.5*'User Parameters'!C$50,(X132+W132)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.17574150811455438]
[1.0919297157716745,634.42282574248929,692.74513579205893,1.0919297157716745,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B133*'User Parameters'!$C$15","v":6.3442282574248932},-114.66653830699452,-0.18074150811455419,1.1029593088602774,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S133+C133+'User Parameters'!$C$12)/(B133-F133)","v":1.1029593088602774},{"$f":"IF(T133<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T133>'User Parameters'!$J$6,'User Parameters'!$J$6,T133))","v":1.1029593088602774},0,0,{"$f":"(B133-C133-F133-E133-S133-V133)/'Results Dashboard'!$D$43","v":-0.18074150811455419},{"$f":"IF((X133+W133)>0,(X133+W133)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X133+W133)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.18074150811455419,9.1092551691508347E-11,1.362850240735553E-10,1.362850240735553E-10,1.362850240735553E-10,{"$f":"IF($AA133<-'Results Dashboard'!$J$7,$AA133+'Results Dashboard'!$J$7,0)","v":-0.14854993626090907},{"$f":"IF($AA133<-'Results Dashboard'!$J$8,$AA133+'Results Dashboard'!$J$8,0)","v":-0.11635836440726395},{"$f":"IF($AA133<-'Results Dashboard'!$J$9,$AA133+'Results Dashboard'!$J$9,0)","v":-0.1002625784804414},{"$f":"IF($AA133<-'Results Dashboard'!$J$11,$AA133+'Results Dashboard'!$J$11,0)","v":-3.5879434773151142E-2},{"$f":"IF($AA133<-'Results Dashboard'!$J$10,$AA133+'Results Dashboard'!$J$10,0)","v":-3.5879434773151142E-2},null,{"$f":"IF((X133+W133)>0,(X133+W133)*0.5*'User Parameters'!C$50,(X133+W133)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.18074150811455419]
[1.0969297157716744,634.42282574248929,695.91724992077127,1.0969297157716744,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B134*'User Parameters'!$C$15","v":6.3442282574248932},-117.83865243570686,-0.185741508114554,1.1080098139107821,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S134+C134+'User Parameters'!$C$12)/(B134-F134)","v":1.1080098139107821},{"$f":"IF(T134<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T134>'User Parameters'!$J$6,'User Parameters'!$J$6,T134))","v":1.1080098139107821},0,0,{"$f":"(B134-C134-F134-E134-S134-V134)/'Results Dashboard'!$D$43","v":-0.185741508114554},{"$f":"IF((X134+W134)>0,(X134+W134)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X134+W134)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.185741508114554,3.5783953698545625E-11,5.5308597992962721E-11,5.5308597992962721E-11,5.5308597992962721E-11,{"$f":"IF($AA134<-'Results Dashboard'!$J$7,$AA134+'Results Dashboard'!$J$7,0)","v":-0.15354993626090888},{"$f":"IF($AA134<-'Results Dashboard'!$J$8,$AA134+'Results Dashboard'!$J$8,0)","v":-0.12135836440726376},{"$f":"IF($AA134<-'Results Dashboard'!$J$9,$AA134+'Results Dashboard'!$J$9,0)","v":-0.10526257848044121},{"$f":"IF($AA134<-'Results Dashboard'!$J$11,$AA134+'Results Dashboard'!$J$11,0)","v":-4.0879434773150952E-2},{"$f":"IF($AA134<-'Results Dashboard'!$J$10,$AA134+'Results Dashboard'!$J$10,0)","v":-4.0879434773150952E-2},null,{"$f":"IF((X134+W134)>0,(X134+W134)*0.5*'User Parameters'!C$50,(X134+W134)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.185741508114554]
[1.1019297157716743,634.42282574248929,699.08936404948372,1.1019297157716743,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B135*'User Parameters'!$C$15","v":6.3442282574248932},-121.01076656441931,-0.19074150811455401,1.1130603189612873,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S135+C135+'User Parameters'!$C$12)/(B135-F135)","v":1.1130603189612873},{"$f":"IF(T135<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T135>'User Parameters'!$J$6,'User Parameters'!$J$6,T135))","v":1.1130603189612873},0,0,{"$f":"(B135-C135-F135-E135-S135-V135)/'Results Dashboard'!$D$43","v":-0.19074150811455401},{"$f":"IF((X135+W135)>0,(X135+W135)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X135+W135)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.19074150811455401,1.3783414965707981E-11,2.2000538732837644E-11,2.2000538732837644E-11,2.2000538732837644E-11,{"$f":"IF($AA135<-'Results Dashboard'!$J$7,$AA135+'Results Dashboard'!$J$7,0)","v":-0.15854993626090888},{"$f":"IF($AA135<-'Results Dashboard'!$J$8,$AA135+'Results Dashboard'!$J$8,0)","v":-0.12635836440726378},{"$f":"IF($AA135<-'Results Dashboard'!$J$9,$AA135+'Results Dashboard'!$J$9,0)","v":-0.11026257848044121},{"$f":"IF($AA135<-'Results Dashboard'!$J$11,$AA135+'Results Dashboard'!$J$11,0)","v":-4.5879434773150957E-2},{"$f":"IF($AA135<-'Results Dashboard'!$J$10,$AA135+'Results Dashboard'!$J$10,0)","v":-4.5879434773150957E-2},null,{"$f":"IF((X135+W135)>0,(X135+W135)*0.5*'User Parameters'!C$50,(X135+W135)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.19074150811455401]
[1.1069297157716742,634.42282574248929,702.26147817819606,1.1069297157716742,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B136*'User Parameters'!$C$15","v":6.3442282574248932},-124.18288069313165,-0.19574150811455385,1.1181108240117921,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},{"$f":"IF(UP_RSBasis=\"MLR\",J136-I136,IF(UP_RSBasis=\"Medical Baseline\",J136-$C136,0))","v":0},0,0,0,0,0,0,{"$f":"IF(UP_RSBasis=\"MLR\",SUMPRODUCT(L$4:Q$4,L136:Q136),\"\")","v":""},{"$f":"IF(UP_RSBasis=\"MLR\",R136*(B136-F136),SUMPRODUCT($L$4:$Q$4,$L136:$Q136))","v":0},{"$f":"(S136+C136+'User Parameters'!$C$12)/(B136-F136)","v":1.1181108240117921},{"$f":"IF(T136<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T136>'User Parameters'!$J$6,'User Parameters'!$J$6,T136))","v":1.1181108240117921},{"$f":"(U136-T136)*(B136-F136)","v":0},{"$f":"V136/B136","v":0},{"$f":"(B136-C136-F136-E136-S136-V136)/'Results Dashboard'!$D$43","v":-0.19574150811455385},{"$f":"IF((X136+W136)>0,(X136+W136)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X136+W136)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.19574150811455385,{"$f":"_xlfn.NORM.DIST(H136,$AD$2,$AD$3,TRUE)","v":5.205729687456664E-12},8.5776852782513175E-12,8.5776852782513175E-12,8.5776852782513175E-12,{"$f":"IF($AA136<-'Results Dashboard'!$J$7,$AA136+'Results Dashboard'!$J$7,0)","v":-0.16354993626090872},{"$f":"IF($AA136<-'Results Dashboard'!$J$8,$AA136+'Results Dashboard'!$J$8,0)","v":-0.13135836440726362},{"$f":"IF($AA136<-'Results Dashboard'!$J$9,$AA136+'Results Dashboard'!$J$9,0)","v":-0.11526257848044105},{"$f":"IF($AA136<-'Results Dashboard'!$J$11,$AA136+'Results Dashboard'!$J$11,0)","v":-5.0879434773150795E-2},{"$f":"IF($AA136<-'Results Dashboard'!$J$10,$AA136+'Results Dashboard'!$J$10,0)","v":-5.0879434773150795E-2},null,{"$f":"IF((X136+W136)>0,(X136+W136)*0.5*'User Parameters'!C$50,(X136+W136)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.19574150811455385]
[1.1119297157716741,634.42282574248929,{"$f":"B137*A137","v":705.43359230690839},{"$f":"(C137)/(B137)","v":1.1119297157716741},{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B137*'User Parameters'!$C$15","v":6.3442282574248932},{"$f":"B137-E137-C137-F137","v":-127.35499482184399},{"$f":"G137/B137","v":-0.20074150811455369},1.123161329062297,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,{"$f":"IF($K137>0,MIN(J137*L$3-J137*L$2,$K137-M137-N137),0)","v":0},{"$f":"IF($K137>0,MIN(J137*M$3-J137*M$2,$K137-N137),0)","v":0},{"$f":"IF($K137>0,MIN(J137*N$3-J137*N$2,$K137),0)","v":0},{"$f":"IF($K137<0,MAX(J137*O$2-J137*O$3,$K137),0)","v":0},{"$f":"IF($K137<0,MAX(J137*P$2-J137*P$3,$K137-O137),0)","v":0},{"$f":"IF($K137<0,MAX(J137*Q$2-J137*Q$3,$K137-P137-O137),0)","v":0},"",0,{"$f":"(S137+C137+'User Parameters'!$C$12)/(B137-F137)","v":1.123161329062297},{"$f":"IF(T137<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T137>'User Parameters'!$J$6,'User Parameters'!$J$6,T137))","v":1.123161329062297},0,0,{"$f":"(B137-C137-F137-E137-S137-V137)/'Results Dashboard'!$D$43","v":-0.20074150811455369},{"$f":"IF((X137+W137)>0,(X137+W137)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X137+W137)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},{"$f":"Y137+X137-Z137","v":-0.20074150811455369},1.9277745914900295E-12,3.2779550959666345E-12,3.2779550959666345E-12,{"$f":"AD137","v":3.2779550959666345E-12},{"$f":"IF($AA137<-'Results Dashboard'!$J$7,$AA137+'Results Dashboard'!$J$7,0)","v":-0.16854993626090856},{"$f":"IF($AA137<-'Results Dashboard'!$J$8,$AA137+'Results Dashboard'!$J$8,0)","v":-0.13635836440726345},{"$f":"IF($AA137<-'Results Dashboard'!$J$9,$AA137+'Results Dashboard'!$J$9,0)","v":-0.12026257848044089},{"$f":"IF($AA137<-'Results Dashboard'!$J$11,$AA137+'Results Dashboard'!$J$11,0)","v":-5.5879434773150632E-2},{"$f":"IF($AA137<-'Results Dashboard'!$J$10,$AA137+'Results Dashboard'!$J$10,0)","v":-5.5879434773150632E-2},null,{"$f":"IF((X137+W137)>0,(X137+W137)*0.5*'User Parameters'!C$50,(X137+W137)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},{"$f":"-AL137+X137-AM137","v":-0.20074150811455369}]
[1.116929715771674,634.42282574248929,708.60570643562085,1.116929715771674,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B138*'User Parameters'!$C$15","v":6.3442282574248932},-130.52710895055645,-0.20574150811455372,1.128211834112802,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S138+C138+'User Parameters'!$C$12)/(B138-F138)","v":1.128211834112802},{"$f":"IF(T138<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T138>'User Parameters'!$J$6,'User Parameters'!$J$6,T138))","v":1.128211834112802},0,0,{"$f":"(B138-C138-F138-E138-S138-V138)/'Results Dashboard'!$D$43","v":-0.20574150811455372},{"$f":"IF((X138+W138)>0,(X138+W138)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X138+W138)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.20574150811455372,6.9996232883257992E-13,1.2278122626574496E-12,{"$f":"AC138","v":1.2278122626574496E-12},1.2278122626574496E-12,{"$f":"IF($AA138<-'Results Dashboard'!$J$7,$AA138+'Results Dashboard'!$J$7,0)","v":-0.17354993626090859},{"$f":"IF($AA138<-'Results Dashboard'!$J$8,$AA138+'Results Dashboard'!$J$8,0)","v":-0.14135836440726346},{"$f":"IF($AA138<-'Results Dashboard'!$J$9,$AA138+'Results Dashboard'!$J$9,0)","v":-0.12526257848044092},{"$f":"IF($AA138<-'Results Dashboard'!$J$11,$AA138+'Results Dashboard'!$J$11,0)","v":-6.0879434773150665E-2},{"$f":"IF($AA138<-'Results Dashboard'!$J$10,$AA138+'Results Dashboard'!$J$10,0)","v":-6.0879434773150665E-2},null,{"$f":"IF((X138+W138)>0,(X138+W138)*0.5*'User Parameters'!C$50,(X138+W138)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.20574150811455372]
[1.1219297157716739,634.42282574248929,711.77782056433318,1.1219297157716739,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B139*'User Parameters'!$C$15","v":6.3442282574248932},-133.69922307926879,-0.21074150811455353,1.133262339163307,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S139+C139+'User Parameters'!$C$12)/(B139-F139)","v":1.133262339163307},{"$f":"IF(T139<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T139>'User Parameters'!$J$6,'User Parameters'!$J$6,T139))","v":1.133262339163307},0,0,{"$f":"(B139-C139-F139-E139-S139-V139)/'Results Dashboard'!$D$43","v":-0.21074150811455353},{"$f":"IF((X139+W139)>0,(X139+W139)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X139+W139)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.21074150811455353,2.4919027800827588E-13,4.5077205082430404E-13,4.5077205082430404E-13,4.5077205082430404E-13,{"$f":"IF($AA139<-'Results Dashboard'!$J$7,$AA139+'Results Dashboard'!$J$7,0)","v":-0.1785499362609084},{"$f":"IF($AA139<-'Results Dashboard'!$J$8,$AA139+'Results Dashboard'!$J$8,0)","v":-0.1463583644072633},{"$f":"IF($AA139<-'Results Dashboard'!$J$9,$AA139+'Results Dashboard'!$J$9,0)","v":-0.13026257848044073},{"$f":"IF($AA139<-'Results Dashboard'!$J$11,$AA139+'Results Dashboard'!$J$11,0)","v":-6.5879434773150475E-2},{"$f":"IF($AA139<-'Results Dashboard'!$J$10,$AA139+'Results Dashboard'!$J$10,0)","v":-6.5879434773150475E-2},null,{"$f":"IF((X139+W139)>0,(X139+W139)*0.5*'User Parameters'!C$50,(X139+W139)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.21074150811455353]
[1.1269297157716738,634.42282574248929,714.94993469304563,1.1269297157716738,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B140*'User Parameters'!$C$15","v":6.3442282574248932},-136.87133720798124,-0.21574150811455353,1.138312844213812,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S140+C140+'User Parameters'!$C$12)/(B140-F140)","v":1.138312844213812},{"$f":"IF(T140<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T140>'User Parameters'!$J$6,'User Parameters'!$J$6,T140))","v":1.138312844213812},0,0,{"$f":"(B140-C140-F140-E140-S140-V140)/'Results Dashboard'!$D$43","v":-0.21574150811455353},{"$f":"IF((X140+W140)>0,(X140+W140)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X140+W140)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.21574150811455353,8.6980131962362929E-14,1.6221014604591295E-13,1.6221014604591295E-13,1.6221014604591295E-13,{"$f":"IF($AA140<-'Results Dashboard'!$J$7,$AA140+'Results Dashboard'!$J$7,0)","v":-0.1835499362609084},{"$f":"IF($AA140<-'Results Dashboard'!$J$8,$AA140+'Results Dashboard'!$J$8,0)","v":-0.1513583644072633},{"$f":"IF($AA140<-'Results Dashboard'!$J$9,$AA140+'Results Dashboard'!$J$9,0)","v":-0.13526257848044074},{"$f":"IF($AA140<-'Results Dashboard'!$J$11,$AA140+'Results Dashboard'!$J$11,0)","v":-7.0879434773150479E-2},{"$f":"IF($AA140<-'Results Dashboard'!$J$10,$AA140+'Results Dashboard'!$J$10,0)","v":-7.0879434773150479E-2},null,{"$f":"IF((X140+W140)>0,(X140+W140)*0.5*'User Parameters'!C$50,(X140+W140)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.21574150811455353]
[1.1319297157716737,634.42282574248929,718.12204882175797,1.1319297157716737,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B141*'User Parameters'!$C$15","v":6.3442282574248932},-140.04345133669358,-0.22074150811455337,1.1433633492643169,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S141+C141+'User Parameters'!$C$12)/(B141-F141)","v":1.1433633492643169},{"$f":"IF(T141<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T141>'User Parameters'!$J$6,'User Parameters'!$J$6,T141))","v":1.1433633492643169},0,0,{"$f":"(B141-C141-F141-E141-S141-V141)/'Results Dashboard'!$D$43","v":-0.22074150811455337},{"$f":"IF((X141+W141)>0,(X141+W141)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X141+W141)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.22074150811455337,2.9767089545263178E-14,5.7213042417099751E-14,5.7213042417099751E-14,5.7213042417099751E-14,{"$f":"IF($AA141<-'Results Dashboard'!$J$7,$AA141+'Results Dashboard'!$J$7,0)","v":-0.18854993626090824},{"$f":"IF($AA141<-'Results Dashboard'!$J$8,$AA141+'Results Dashboard'!$J$8,0)","v":-0.15635836440726314},{"$f":"IF($AA141<-'Results Dashboard'!$J$9,$AA141+'Results Dashboard'!$J$9,0)","v":-0.14026257848044058},{"$f":"IF($AA141<-'Results Dashboard'!$J$11,$AA141+'Results Dashboard'!$J$11,0)","v":-7.5879434773150317E-2},{"$f":"IF($AA141<-'Results Dashboard'!$J$10,$AA141+'Results Dashboard'!$J$10,0)","v":-7.5879434773150317E-2},null,{"$f":"IF((X141+W141)>0,(X141+W141)*0.5*'User Parameters'!C$50,(X141+W141)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.22074150811455337]
[1.1369297157716736,634.42282574248929,721.29416295047031,1.1369297157716736,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B142*'User Parameters'!$C$15","v":6.3442282574248932},-143.21556546540592,-0.22574150811455321,1.1484138543148217,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S142+C142+'User Parameters'!$C$12)/(B142-F142)","v":1.1484138543148217},{"$f":"IF(T142<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T142>'User Parameters'!$J$6,'User Parameters'!$J$6,T142))","v":1.1484138543148217},0,0,{"$f":"(B142-C142-F142-E142-S142-V142)/'Results Dashboard'!$D$43","v":-0.22574150811455321},{"$f":"IF((X142+W142)>0,(X142+W142)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X142+W142)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.22574150811455321,9.9879208158620528E-15,1.9779168729401124E-14,1.9779168729401124E-14,1.9779168729401124E-14,{"$f":"IF($AA142<-'Results Dashboard'!$J$7,$AA142+'Results Dashboard'!$J$7,0)","v":-0.19354993626090808},{"$f":"IF($AA142<-'Results Dashboard'!$J$8,$AA142+'Results Dashboard'!$J$8,0)","v":-0.16135836440726298},{"$f":"IF($AA142<-'Results Dashboard'!$J$9,$AA142+'Results Dashboard'!$J$9,0)","v":-0.14526257848044041},{"$f":"IF($AA142<-'Results Dashboard'!$J$11,$AA142+'Results Dashboard'!$J$11,0)","v":-8.0879434773150155E-2},{"$f":"IF($AA142<-'Results Dashboard'!$J$10,$AA142+'Results Dashboard'!$J$10,0)","v":-8.0879434773150155E-2},null,{"$f":"IF((X142+W142)>0,(X142+W142)*0.5*'User Parameters'!C$50,(X142+W142)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.22574150811455321]
[1.1419297157716735,634.42282574248929,724.46627707918276,1.1419297157716735,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B143*'User Parameters'!$C$15","v":6.3442282574248932},-146.38767959411837,-0.23074150811455321,1.1534643593653269,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S143+C143+'User Parameters'!$C$12)/(B143-F143)","v":1.1534643593653269},{"$f":"IF(T143<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T143>'User Parameters'!$J$6,'User Parameters'!$J$6,T143))","v":1.1534643593653269},0,0,{"$f":"(B143-C143-F143-E143-S143-V143)/'Results Dashboard'!$D$43","v":-0.23074150811455321},{"$f":"IF((X143+W143)>0,(X143+W143)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X143+W143)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.23074150811455321,3.2857272858647378E-15,6.702193529997315E-15,6.702193529997315E-15,6.702193529997315E-15,{"$f":"IF($AA143<-'Results Dashboard'!$J$7,$AA143+'Results Dashboard'!$J$7,0)","v":-0.19854993626090808},{"$f":"IF($AA143<-'Results Dashboard'!$J$8,$AA143+'Results Dashboard'!$J$8,0)","v":-0.16635836440726298},{"$f":"IF($AA143<-'Results Dashboard'!$J$9,$AA143+'Results Dashboard'!$J$9,0)","v":-0.15026257848044042},{"$f":"IF($AA143<-'Results Dashboard'!$J$11,$AA143+'Results Dashboard'!$J$11,0)","v":-8.5879434773150159E-2},{"$f":"IF($AA143<-'Results Dashboard'!$J$10,$AA143+'Results Dashboard'!$J$10,0)","v":-8.5879434773150159E-2},null,{"$f":"IF((X143+W143)>0,(X143+W143)*0.5*'User Parameters'!C$50,(X143+W143)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.23074150811455321]
[1.1469297157716734,634.42282574248929,727.6383912078951,1.1469297157716734,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B144*'User Parameters'!$C$15","v":6.3442282574248932},-149.5597937228307,-0.23574150811455302,1.1585148644158316,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S144+C144+'User Parameters'!$C$12)/(B144-F144)","v":1.1585148644158316},{"$f":"IF(T144<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T144>'User Parameters'!$J$6,'User Parameters'!$J$6,T144))","v":1.1585148644158316},0,0,{"$f":"(B144-C144-F144-E144-S144-V144)/'Results Dashboard'!$D$43","v":-0.23574150811455302},{"$f":"IF((X144+W144)>0,(X144+W144)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X144+W144)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.23574150811455302,1.0597445042157945E-15,2.2259827816489436E-15,2.2259827816489436E-15,2.2259827816489436E-15,{"$f":"IF($AA144<-'Results Dashboard'!$J$7,$AA144+'Results Dashboard'!$J$7,0)","v":-0.20354993626090789},{"$f":"IF($AA144<-'Results Dashboard'!$J$8,$AA144+'Results Dashboard'!$J$8,0)","v":-0.17135836440726276},{"$f":"IF($AA144<-'Results Dashboard'!$J$9,$AA144+'Results Dashboard'!$J$9,0)","v":-0.15526257848044023},{"$f":"IF($AA144<-'Results Dashboard'!$J$11,$AA144+'Results Dashboard'!$J$11,0)","v":-9.087943477314997E-2},{"$f":"IF($AA144<-'Results Dashboard'!$J$10,$AA144+'Results Dashboard'!$J$10,0)","v":-9.087943477314997E-2},null,{"$f":"IF((X144+W144)>0,(X144+W144)*0.5*'User Parameters'!C$50,(X144+W144)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.23574150811455302]
[1.1519297157716732,634.42282574248929,730.81050533660743,1.1519297157716732,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B145*'User Parameters'!$C$15","v":6.3442282574248932},-152.73190785154304,-0.24074150811455286,1.1635653694663366,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S145+C145+'User Parameters'!$C$12)/(B145-F145)","v":1.1635653694663366},{"$f":"IF(T145<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T145>'User Parameters'!$J$6,'User Parameters'!$J$6,T145))","v":1.1635653694663366},0,0,{"$f":"(B145-C145-F145-E145-S145-V145)/'Results Dashboard'!$D$43","v":-0.24074150811455286},{"$f":"IF((X145+W145)>0,(X145+W145)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X145+W145)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.24074150811455286,3.3510415042697269E-16,7.2464035378882183E-16,7.2464035378882183E-16,7.2464035378882183E-16,{"$f":"IF($AA145<-'Results Dashboard'!$J$7,$AA145+'Results Dashboard'!$J$7,0)","v":-0.20854993626090773},{"$f":"IF($AA145<-'Results Dashboard'!$J$8,$AA145+'Results Dashboard'!$J$8,0)","v":-0.1763583644072626},{"$f":"IF($AA145<-'Results Dashboard'!$J$9,$AA145+'Results Dashboard'!$J$9,0)","v":-0.16026257848044007},{"$f":"IF($AA145<-'Results Dashboard'!$J$11,$AA145+'Results Dashboard'!$J$11,0)","v":-9.5879434773149808E-2},{"$f":"IF($AA145<-'Results Dashboard'!$J$10,$AA145+'Results Dashboard'!$J$10,0)","v":-9.5879434773149808E-2},null,{"$f":"IF((X145+W145)>0,(X145+W145)*0.5*'User Parameters'!C$50,(X145+W145)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.24074150811455286]
[1.1569297157716731,634.42282574248929,733.98261946531989,1.1569297157716731,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B146*'User Parameters'!$C$15","v":6.3442282574248932},-155.90402198025549,-0.24574150811455286,1.1686158745168416,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S146+C146+'User Parameters'!$C$12)/(B146-F146)","v":1.1686158745168416},{"$f":"IF(T146<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T146>'User Parameters'!$J$6,'User Parameters'!$J$6,T146))","v":1.1686158745168416},0,0,{"$f":"(B146-C146-F146-E146-S146-V146)/'Results Dashboard'!$D$43","v":-0.24574150811455286},{"$f":"IF((X146+W146)>0,(X146+W146)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X146+W146)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.24574150811455286,1.0388751428926311E-16,2.312166361377096E-16,2.312166361377096E-16,2.312166361377096E-16,{"$f":"IF($AA146<-'Results Dashboard'!$J$7,$AA146+'Results Dashboard'!$J$7,0)","v":-0.21354993626090774},{"$f":"IF($AA146<-'Results Dashboard'!$J$8,$AA146+'Results Dashboard'!$J$8,0)","v":-0.18135836440726261},{"$f":"IF($AA146<-'Results Dashboard'!$J$9,$AA146+'Results Dashboard'!$J$9,0)","v":-0.16526257848044007},{"$f":"IF($AA146<-'Results Dashboard'!$J$11,$AA146+'Results Dashboard'!$J$11,0)","v":-0.10087943477314981},{"$f":"IF($AA146<-'Results Dashboard'!$J$10,$AA146+'Results Dashboard'!$J$10,0)","v":-0.10087943477314981},null,{"$f":"IF((X146+W146)>0,(X146+W146)*0.5*'User Parameters'!C$50,(X146+W146)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.24574150811455286]
[1.161929715771673,634.42282574248929,737.15473359403222,1.161929715771673,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B147*'User Parameters'!$C$15","v":6.3442282574248932},-159.07613610896783,-0.2507415081145527,1.1736663795673465,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S147+C147+'User Parameters'!$C$12)/(B147-F147)","v":1.1736663795673465},{"$f":"IF(T147<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T147>'User Parameters'!$J$6,'User Parameters'!$J$6,T147))","v":1.1736663795673465},0,0,{"$f":"(B147-C147-F147-E147-S147-V147)/'Results Dashboard'!$D$43","v":-0.2507415081145527},{"$f":"IF((X147+W147)>0,(X147+W147)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X147+W147)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.2507415081145527,3.1575333360146452E-17,7.2312180929116664E-17,7.2312180929116664E-17,7.2312180929116664E-17,{"$f":"IF($AA147<-'Results Dashboard'!$J$7,$AA147+'Results Dashboard'!$J$7,0)","v":-0.21854993626090757},{"$f":"IF($AA147<-'Results Dashboard'!$J$8,$AA147+'Results Dashboard'!$J$8,0)","v":-0.18635836440726244},{"$f":"IF($AA147<-'Results Dashboard'!$J$9,$AA147+'Results Dashboard'!$J$9,0)","v":-0.17026257848043991},{"$f":"IF($AA147<-'Results Dashboard'!$J$11,$AA147+'Results Dashboard'!$J$11,0)","v":-0.10587943477314965},{"$f":"IF($AA147<-'Results Dashboard'!$J$10,$AA147+'Results Dashboard'!$J$10,0)","v":-0.10587943477314965},null,{"$f":"IF((X147+W147)>0,(X147+W147)*0.5*'User Parameters'!C$50,(X147+W147)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.2507415081145527]
[1.1669297157716729,634.42282574248929,740.32684772274456,1.1669297157716729,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B148*'User Parameters'!$C$15","v":6.3442282574248932},-162.24825023768017,-0.25574150811455254,1.1787168846178513,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S148+C148+'User Parameters'!$C$12)/(B148-F148)","v":1.1787168846178513},{"$f":"IF(T148<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T148>'User Parameters'!$J$6,'User Parameters'!$J$6,T148))","v":1.1787168846178513},0,0,{"$f":"(B148-C148-F148-E148-S148-V148)/'Results Dashboard'!$D$43","v":-0.25574150811455254},{"$f":"IF((X148+W148)>0,(X148+W148)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X148+W148)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.25574150811455254,9.4087055568097821E-18,2.216662780333667E-17,2.216662780333667E-17,2.216662780333667E-17,{"$f":"IF($AA148<-'Results Dashboard'!$J$7,$AA148+'Results Dashboard'!$J$7,0)","v":-0.22354993626090741},{"$f":"IF($AA148<-'Results Dashboard'!$J$8,$AA148+'Results Dashboard'!$J$8,0)","v":-0.19135836440726228},{"$f":"IF($AA148<-'Results Dashboard'!$J$9,$AA148+'Results Dashboard'!$J$9,0)","v":-0.17526257848043975},{"$f":"IF($AA148<-'Results Dashboard'!$J$11,$AA148+'Results Dashboard'!$J$11,0)","v":-0.11087943477314949},{"$f":"IF($AA148<-'Results Dashboard'!$J$10,$AA148+'Results Dashboard'!$J$10,0)","v":-0.11087943477314949},null,{"$f":"IF((X148+W148)>0,(X148+W148)*0.5*'User Parameters'!C$50,(X148+W148)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.25574150811455254]
[1.1719297157716728,634.42282574248929,743.49896185145701,1.1719297157716728,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B149*'User Parameters'!$C$15","v":6.3442282574248932},-165.42036436639262,-0.26074150811455254,1.1837673896683565,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S149+C149+'User Parameters'!$C$12)/(B149-F149)","v":1.1837673896683565},{"$f":"IF(T149<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T149>'User Parameters'!$J$6,'User Parameters'!$J$6,T149))","v":1.1837673896683565},0,0,{"$f":"(B149-C149-F149-E149-S149-V149)/'Results Dashboard'!$D$43","v":-0.26074150811455254},{"$f":"IF((X149+W149)>0,(X149+W149)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X149+W149)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.26074150811455254,2.7485625420843792E-18,6.6601430147254026E-18,6.6601430147254026E-18,6.6601430147254026E-18,{"$f":"IF($AA149<-'Results Dashboard'!$J$7,$AA149+'Results Dashboard'!$J$7,0)","v":-0.22854993626090742},{"$f":"IF($AA149<-'Results Dashboard'!$J$8,$AA149+'Results Dashboard'!$J$8,0)","v":-0.19635836440726229},{"$f":"IF($AA149<-'Results Dashboard'!$J$9,$AA149+'Results Dashboard'!$J$9,0)","v":-0.18026257848043975},{"$f":"IF($AA149<-'Results Dashboard'!$J$11,$AA149+'Results Dashboard'!$J$11,0)","v":-0.11587943477314949},{"$f":"IF($AA149<-'Results Dashboard'!$J$10,$AA149+'Results Dashboard'!$J$10,0)","v":-0.11587943477314949},null,{"$f":"IF((X149+W149)>0,(X149+W149)*0.5*'User Parameters'!C$50,(X149+W149)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.26074150811455254]
[1.1769297157716727,634.42282574248929,746.67107598016935,1.1769297157716727,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B150*'User Parameters'!$C$15","v":6.3442282574248932},-168.59247849510496,-0.26574150811455238,1.1888178947188612,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S150+C150+'User Parameters'!$C$12)/(B150-F150)","v":1.1888178947188612},{"$f":"IF(T150<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T150>'User Parameters'!$J$6,'User Parameters'!$J$6,T150))","v":1.1888178947188612},0,0,{"$f":"(B150-C150-F150-E150-S150-V150)/'Results Dashboard'!$D$43","v":-0.26574150811455238},{"$f":"IF((X150+W150)>0,(X150+W150)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X150+W150)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.26574150811455238,7.8717593263658021E-19,1.9613866094477991E-18,1.9613866094477991E-18,1.9613866094477991E-18,{"$f":"IF($AA150<-'Results Dashboard'!$J$7,$AA150+'Results Dashboard'!$J$7,0)","v":-0.23354993626090725},{"$f":"IF($AA150<-'Results Dashboard'!$J$8,$AA150+'Results Dashboard'!$J$8,0)","v":-0.20135836440726212},{"$f":"IF($AA150<-'Results Dashboard'!$J$9,$AA150+'Results Dashboard'!$J$9,0)","v":-0.18526257848043959},{"$f":"IF($AA150<-'Results Dashboard'!$J$11,$AA150+'Results Dashboard'!$J$11,0)","v":-0.12087943477314933},{"$f":"IF($AA150<-'Results Dashboard'!$J$10,$AA150+'Results Dashboard'!$J$10,0)","v":-0.12087943477314933},null,{"$f":"IF((X150+W150)>0,(X150+W150)*0.5*'User Parameters'!C$50,(X150+W150)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.26574150811455238]
[1.1819297157716726,634.42282574248929,749.8431901088818,1.1819297157716726,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B151*'User Parameters'!$C$15","v":6.3442282574248932},-171.76459262381741,-0.27074150811455239,1.1938683997693664,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S151+C151+'User Parameters'!$C$12)/(B151-F151)","v":1.1938683997693664},{"$f":"IF(T151<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T151>'User Parameters'!$J$6,'User Parameters'!$J$6,T151))","v":1.1938683997693664},0,0,{"$f":"(B151-C151-F151-E151-S151-V151)/'Results Dashboard'!$D$43","v":-0.27074150811455239},{"$f":"IF((X151+W151)>0,(X151+W151)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X151+W151)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.27074150811455239,2.2101675673972258E-19,5.6615917589685767E-19,5.6615917589685767E-19,5.6615917589685767E-19,{"$f":"IF($AA151<-'Results Dashboard'!$J$7,$AA151+'Results Dashboard'!$J$7,0)","v":-0.23854993626090726},{"$f":"IF($AA151<-'Results Dashboard'!$J$8,$AA151+'Results Dashboard'!$J$8,0)","v":-0.20635836440726213},{"$f":"IF($AA151<-'Results Dashboard'!$J$9,$AA151+'Results Dashboard'!$J$9,0)","v":-0.19026257848043959},{"$f":"IF($AA151<-'Results Dashboard'!$J$11,$AA151+'Results Dashboard'!$J$11,0)","v":-0.12587943477314933},{"$f":"IF($AA151<-'Results Dashboard'!$J$10,$AA151+'Results Dashboard'!$J$10,0)","v":-0.12587943477314933},null,{"$f":"IF((X151+W151)>0,(X151+W151)*0.5*'User Parameters'!C$50,(X151+W151)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.27074150811455239]
[1.1869297157716725,634.42282574248929,753.01530423759414,1.1869297157716725,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B152*'User Parameters'!$C$15","v":6.3442282574248932},-174.93670675252974,-0.27574150811455217,1.1989189048198712,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S152+C152+'User Parameters'!$C$12)/(B152-F152)","v":1.1989189048198712},{"$f":"IF(T152<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T152>'User Parameters'!$J$6,'User Parameters'!$J$6,T152))","v":1.1989189048198712},0,0,{"$f":"(B152-C152-F152-E152-S152-V152)/'Results Dashboard'!$D$43","v":-0.27574150811455217},{"$f":"IF((X152+W152)>0,(X152+W152)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X152+W152)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.27574150811455217,6.083628954728531E-20,1.6018046719243726E-19,1.6018046719243726E-19,1.6018046719243726E-19,{"$f":"IF($AA152<-'Results Dashboard'!$J$7,$AA152+'Results Dashboard'!$J$7,0)","v":-0.24354993626090704},{"$f":"IF($AA152<-'Results Dashboard'!$J$8,$AA152+'Results Dashboard'!$J$8,0)","v":-0.21135836440726191},{"$f":"IF($AA152<-'Results Dashboard'!$J$9,$AA152+'Results Dashboard'!$J$9,0)","v":-0.19526257848043937},{"$f":"IF($AA152<-'Results Dashboard'!$J$11,$AA152+'Results Dashboard'!$J$11,0)","v":-0.13087943477314912},{"$f":"IF($AA152<-'Results Dashboard'!$J$10,$AA152+'Results Dashboard'!$J$10,0)","v":-0.13087943477314912},null,{"$f":"IF((X152+W152)>0,(X152+W152)*0.5*'User Parameters'!C$50,(X152+W152)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.27574150811455217]
[1.1919297157716724,{"$f":"$B$88","v":634.42282574248929},756.18741836630647,1.1919297157716724,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B153*'User Parameters'!$C$15","v":6.3442282574248932},-178.10882088124208,-0.28074150811455201,1.2039694098703762,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S153+C153+'User Parameters'!$C$12)/(B153-F153)","v":1.2039694098703762},{"$f":"IF(T153<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T153>'User Parameters'!$J$6,'User Parameters'!$J$6,T153))","v":1.2039694098703762},0,0,{"$f":"(B153-C153-F153-E153-S153-V153)/'Results Dashboard'!$D$43","v":-0.28074150811455201},{"$f":"IF((X153+W153)>0,(X153+W153)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X153+W153)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.28074150811455201,1.6416531347508509E-20,4.4419758199776804E-20,4.4419758199776804E-20,4.4419758199776804E-20,{"$f":"IF($AA153<-'Results Dashboard'!$J$7,$AA153+'Results Dashboard'!$J$7,0)","v":-0.24854993626090688},{"$f":"IF($AA153<-'Results Dashboard'!$J$8,$AA153+'Results Dashboard'!$J$8,0)","v":-0.21635836440726175},{"$f":"IF($AA153<-'Results Dashboard'!$J$9,$AA153+'Results Dashboard'!$J$9,0)","v":-0.20026257848043921},{"$f":"IF($AA153<-'Results Dashboard'!$J$11,$AA153+'Results Dashboard'!$J$11,0)","v":-0.13587943477314895},{"$f":"IF($AA153<-'Results Dashboard'!$J$10,$AA153+'Results Dashboard'!$J$10,0)","v":-0.13587943477314895},null,{"$f":"IF((X153+W153)>0,(X153+W153)*0.5*'User Parameters'!C$50,(X153+W153)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.28074150811455201]
[1.1969297157716723,634.42282574248929,759.35953249501893,1.1969297157716723,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B154*'User Parameters'!$C$15","v":6.3442282574248932},-181.28093500995453,-0.28574150811455201,1.2090199149208811,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S154+C154+'User Parameters'!$C$12)/(B154-F154)","v":1.2090199149208811},{"$f":"IF(T154<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T154>'User Parameters'!$J$6,'User Parameters'!$J$6,T154))","v":1.2090199149208811},0,0,{"$f":"(B154-C154-F154-E154-S154-V154)/'Results Dashboard'!$D$43","v":-0.28574150811455201},{"$f":"IF((X154+W154)>0,(X154+W154)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X154+W154)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.28574150811455201,4.3428858599679809E-21,{"$f":"AB153-AB154","v":1.2073645487540528E-20},1.2073645487540528E-20,1.2073645487540528E-20,{"$f":"IF($AA154<-'Results Dashboard'!$J$7,$AA154+'Results Dashboard'!$J$7,0)","v":-0.25354993626090688},{"$f":"IF($AA154<-'Results Dashboard'!$J$8,$AA154+'Results Dashboard'!$J$8,0)","v":-0.22135836440726175},{"$f":"IF($AA154<-'Results Dashboard'!$J$9,$AA154+'Results Dashboard'!$J$9,0)","v":-0.20526257848043922},{"$f":"IF($AA154<-'Results Dashboard'!$J$11,$AA154+'Results Dashboard'!$J$11,0)","v":-0.14087943477314896},{"$f":"IF($AA154<-'Results Dashboard'!$J$10,$AA154+'Results Dashboard'!$J$10,0)","v":-0.14087943477314896},null,{"$f":"IF((X154+W154)>0,(X154+W154)*0.5*'User Parameters'!C$50,(X154+W154)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.28574150811455201]
[1.2019297157716722,634.42282574248929,762.53164662373126,1.2019297157716722,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B155*'User Parameters'!$C$15","v":6.3442282574248932},-184.45304913866687,-0.29074150811455185,1.2140704199713861,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S155+C155+'User Parameters'!$C$12)/(B155-F155)","v":1.2140704199713861},{"$f":"IF(T155<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T155>'User Parameters'!$J$6,'User Parameters'!$J$6,T155))","v":1.2140704199713861},0,0,{"$f":"(B155-C155-F155-E155-S155-V155)/'Results Dashboard'!$D$43","v":-0.29074150811455185},{"$f":"IF((X155+W155)>0,(X155+W155)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X155+W155)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.29074150811455185,1.1262921271389313E-21,3.2165937328290498E-21,3.2165937328290498E-21,3.2165937328290498E-21,{"$f":"IF($AA155<-'Results Dashboard'!$J$7,$AA155+'Results Dashboard'!$J$7,0)","v":-0.25854993626090672},{"$f":"IF($AA155<-'Results Dashboard'!$J$8,$AA155+'Results Dashboard'!$J$8,0)","v":-0.22635836440726159},{"$f":"IF($AA155<-'Results Dashboard'!$J$9,$AA155+'Results Dashboard'!$J$9,0)","v":-0.21026257848043906},{"$f":"IF($AA155<-'Results Dashboard'!$J$11,$AA155+'Results Dashboard'!$J$11,0)","v":-0.1458794347731488},{"$f":"IF($AA155<-'Results Dashboard'!$J$10,$AA155+'Results Dashboard'!$J$10,0)","v":-0.1458794347731488},null,{"$f":"IF((X155+W155)>0,(X155+W155)*0.5*'User Parameters'!C$50,(X155+W155)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.29074150811455185]
[1.2069297157716721,634.42282574248929,765.7037607524436,1.2069297157716721,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B156*'User Parameters'!$C$15","v":6.3442282574248932},-187.62516326737921,-0.29574150811455169,1.2191209250218908,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S156+C156+'User Parameters'!$C$12)/(B156-F156)","v":1.2191209250218908},{"$f":"IF(T156<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T156>'User Parameters'!$J$6,'User Parameters'!$J$6,T156))","v":1.2191209250218908},0,0,{"$f":"(B156-C156-F156-E156-S156-V156)/'Results Dashboard'!$D$43","v":-0.29574150811455169},{"$f":"IF((X156+W156)>0,(X156+W156)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X156+W156)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.29574150811455169,2.8634967567891704E-22,8.3994245146001427E-22,8.3994245146001427E-22,8.3994245146001427E-22,{"$f":"IF($AA156<-'Results Dashboard'!$J$7,$AA156+'Results Dashboard'!$J$7,0)","v":-0.26354993626090656},{"$f":"IF($AA156<-'Results Dashboard'!$J$8,$AA156+'Results Dashboard'!$J$8,0)","v":-0.23135836440726143},{"$f":"IF($AA156<-'Results Dashboard'!$J$9,$AA156+'Results Dashboard'!$J$9,0)","v":-0.21526257848043889},{"$f":"IF($AA156<-'Results Dashboard'!$J$11,$AA156+'Results Dashboard'!$J$11,0)","v":-0.15087943477314864},{"$f":"IF($AA156<-'Results Dashboard'!$J$10,$AA156+'Results Dashboard'!$J$10,0)","v":-0.15087943477314864},null,{"$f":"IF((X156+W156)>0,(X156+W156)*0.5*'User Parameters'!C$50,(X156+W156)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.29574150811455169]
[1.211929715771672,634.42282574248929,768.87587488115605,1.211929715771672,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B157*'User Parameters'!$C$15","v":6.3442282574248932},-190.79727739609166,-0.30074150811455169,1.224171430072396,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S157+C157+'User Parameters'!$C$12)/(B157-F157)","v":1.224171430072396},{"$f":"IF(T157<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T157>'User Parameters'!$J$6,'User Parameters'!$J$6,T157))","v":1.224171430072396},0,0,{"$f":"(B157-C157-F157-E157-S157-V157)/'Results Dashboard'!$D$43","v":-0.30074150811455169},{"$f":"IF((X157+W157)>0,(X157+W157)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X157+W157)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.30074150811455169,7.1369533569240539E-23,2.149801421096765E-22,2.149801421096765E-22,2.149801421096765E-22,{"$f":"IF($AA157<-'Results Dashboard'!$J$7,$AA157+'Results Dashboard'!$J$7,0)","v":-0.26854993626090656},{"$f":"IF($AA157<-'Results Dashboard'!$J$8,$AA157+'Results Dashboard'!$J$8,0)","v":-0.23635836440726143},{"$f":"IF($AA157<-'Results Dashboard'!$J$9,$AA157+'Results Dashboard'!$J$9,0)","v":-0.2202625784804389},{"$f":"IF($AA157<-'Results Dashboard'!$J$11,$AA157+'Results Dashboard'!$J$11,0)","v":-0.15587943477314864},{"$f":"IF($AA157<-'Results Dashboard'!$J$10,$AA157+'Results Dashboard'!$J$10,0)","v":-0.15587943477314864},null,{"$f":"IF((X157+W157)>0,(X157+W157)*0.5*'User Parameters'!C$50,(X157+W157)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.30074150811455169]
[1.2169297157716719,634.42282574248929,772.04798900986839,1.2169297157716719,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B158*'User Parameters'!$C$15","v":6.3442282574248932},-193.969391524804,-0.30574150811455153,1.2292219351229008,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S158+C158+'User Parameters'!$C$12)/(B158-F158)","v":1.2292219351229008},{"$f":"IF(T158<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T158>'User Parameters'!$J$6,'User Parameters'!$J$6,T158))","v":1.2292219351229008},0,0,{"$f":"(B158-C158-F158-E158-S158-V158)/'Results Dashboard'!$D$43","v":-0.30574150811455153},{"$f":"IF((X158+W158)>0,(X158+W158)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X158+W158)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.30574150811455153,1.7438018675405339E-23,5.3931514893835203E-23,5.3931514893835203E-23,5.3931514893835203E-23,{"$f":"IF($AA158<-'Results Dashboard'!$J$7,$AA158+'Results Dashboard'!$J$7,0)","v":-0.2735499362609064},{"$f":"IF($AA158<-'Results Dashboard'!$J$8,$AA158+'Results Dashboard'!$J$8,0)","v":-0.24135836440726127},{"$f":"IF($AA158<-'Results Dashboard'!$J$9,$AA158+'Results Dashboard'!$J$9,0)","v":-0.22526257848043874},{"$f":"IF($AA158<-'Results Dashboard'!$J$11,$AA158+'Results Dashboard'!$J$11,0)","v":-0.16087943477314848},{"$f":"IF($AA158<-'Results Dashboard'!$J$10,$AA158+'Results Dashboard'!$J$10,0)","v":-0.16087943477314848},null,{"$f":"IF((X158+W158)>0,(X158+W158)*0.5*'User Parameters'!C$50,(X158+W158)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.30574150811455153]
[1.2219297157716718,634.42282574248929,775.22010313858073,1.2219297157716718,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B159*'User Parameters'!$C$15","v":6.3442282574248932},-197.14150565351633,-0.31074150811455137,1.2342724401734058,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S159+C159+'User Parameters'!$C$12)/(B159-F159)","v":1.2342724401734058},{"$f":"IF(T159<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T159>'User Parameters'!$J$6,'User Parameters'!$J$6,T159))","v":1.2342724401734058},0,0,{"$f":"(B159-C159-F159-E159-S159-V159)/'Results Dashboard'!$D$43","v":-0.31074150811455137},{"$f":"IF((X159+W159)>0,(X159+W159)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X159+W159)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.31074150811455137,4.1768341548527783E-24,1.3261184520552561E-23,1.3261184520552561E-23,1.3261184520552561E-23,{"$f":"IF($AA159<-'Results Dashboard'!$J$7,$AA159+'Results Dashboard'!$J$7,0)","v":-0.27854993626090624},{"$f":"IF($AA159<-'Results Dashboard'!$J$8,$AA159+'Results Dashboard'!$J$8,0)","v":-0.24635836440726111},{"$f":"IF($AA159<-'Results Dashboard'!$J$9,$AA159+'Results Dashboard'!$J$9,0)","v":-0.23026257848043857},{"$f":"IF($AA159<-'Results Dashboard'!$J$11,$AA159+'Results Dashboard'!$J$11,0)","v":-0.16587943477314832},{"$f":"IF($AA159<-'Results Dashboard'!$J$10,$AA159+'Results Dashboard'!$J$10,0)","v":-0.16587943477314832},null,{"$f":"IF((X159+W159)>0,(X159+W159)*0.5*'User Parameters'!C$50,(X159+W159)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.31074150811455137]
[1.2269297157716716,634.42282574248929,778.39221726729318,1.2269297157716716,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B160*'User Parameters'!$C$15","v":6.3442282574248932},-200.31361978222878,-0.31574150811455137,1.2393229452239107,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S160+C160+'User Parameters'!$C$12)/(B160-F160)","v":1.2393229452239107},{"$f":"IF(T160<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T160>'User Parameters'!$J$6,'User Parameters'!$J$6,T160))","v":1.2393229452239107},0,0,{"$f":"(B160-C160-F160-E160-S160-V160)/'Results Dashboard'!$D$43","v":-0.31574150811455137},{"$f":"IF((X160+W160)>0,(X160+W160)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X160+W160)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.31574150811455137,9.8075588692198549E-25,3.1960782679307928E-24,3.1960782679307928E-24,3.1960782679307928E-24,{"$f":"IF($AA160<-'Results Dashboard'!$J$7,$AA160+'Results Dashboard'!$J$7,0)","v":-0.28354993626090624},{"$f":"IF($AA160<-'Results Dashboard'!$J$8,$AA160+'Results Dashboard'!$J$8,0)","v":-0.25135836440726111},{"$f":"IF($AA160<-'Results Dashboard'!$J$9,$AA160+'Results Dashboard'!$J$9,0)","v":-0.23526257848043858},{"$f":"IF($AA160<-'Results Dashboard'!$J$11,$AA160+'Results Dashboard'!$J$11,0)","v":-0.17087943477314832},{"$f":"IF($AA160<-'Results Dashboard'!$J$10,$AA160+'Results Dashboard'!$J$10,0)","v":-0.17087943477314832},null,{"$f":"IF((X160+W160)>0,(X160+W160)*0.5*'User Parameters'!C$50,(X160+W160)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.31574150811455137]
[1.2319297157716715,634.42282574248929,781.56433139600551,1.2319297157716715,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B161*'User Parameters'!$C$15","v":6.3442282574248932},-203.48573391094112,-0.32074150811455121,1.2443734502744157,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S161+C161+'User Parameters'!$C$12)/(B161-F161)","v":1.2443734502744157},{"$f":"IF(T161<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T161>'User Parameters'!$J$6,'User Parameters'!$J$6,T161))","v":1.2443734502744157},0,0,{"$f":"(B161-C161-F161-E161-S161-V161)/'Results Dashboard'!$D$43","v":-0.32074150811455121},{"$f":"IF((X161+W161)>0,(X161+W161)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X161+W161)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.32074150811455121,2.2575432845596746E-25,7.5500155846601808E-25,7.5500155846601808E-25,7.5500155846601808E-25,{"$f":"IF($AA161<-'Results Dashboard'!$J$7,$AA161+'Results Dashboard'!$J$7,0)","v":-0.28854993626090608},{"$f":"IF($AA161<-'Results Dashboard'!$J$8,$AA161+'Results Dashboard'!$J$8,0)","v":-0.25635836440726095},{"$f":"IF($AA161<-'Results Dashboard'!$J$9,$AA161+'Results Dashboard'!$J$9,0)","v":-0.24026257848043842},{"$f":"IF($AA161<-'Results Dashboard'!$J$11,$AA161+'Results Dashboard'!$J$11,0)","v":-0.17587943477314816},{"$f":"IF($AA161<-'Results Dashboard'!$J$10,$AA161+'Results Dashboard'!$J$10,0)","v":-0.17587943477314816},null,{"$f":"IF((X161+W161)>0,(X161+W161)*0.5*'User Parameters'!C$50,(X161+W161)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.32074150811455121]
[1.2369297157716714,634.42282574248929,784.73644552471796,1.2369297157716714,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B162*'User Parameters'!$C$15","v":6.3442282574248932},-206.65784803965357,-0.32574150811455121,1.2494239553249207,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S162+C162+'User Parameters'!$C$12)/(B162-F162)","v":1.2494239553249207},{"$f":"IF(T162<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T162>'User Parameters'!$J$6,'User Parameters'!$J$6,T162))","v":1.2494239553249207},0,0,{"$f":"(B162-C162-F162-E162-S162-V162)/'Results Dashboard'!$D$43","v":-0.32574150811455121},{"$f":"IF((X162+W162)>0,(X162+W162)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X162+W162)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.32574150811455121,5.0941375876049286E-26,1.7481295257991816E-25,1.7481295257991816E-25,1.7481295257991816E-25,{"$f":"IF($AA162<-'Results Dashboard'!$J$7,$AA162+'Results Dashboard'!$J$7,0)","v":-0.29354993626090609},{"$f":"IF($AA162<-'Results Dashboard'!$J$8,$AA162+'Results Dashboard'!$J$8,0)","v":-0.26135836440726096},{"$f":"IF($AA162<-'Results Dashboard'!$J$9,$AA162+'Results Dashboard'!$J$9,0)","v":-0.24526257848043842},{"$f":"IF($AA162<-'Results Dashboard'!$J$11,$AA162+'Results Dashboard'!$J$11,0)","v":-0.18087943477314816},{"$f":"IF($AA162<-'Results Dashboard'!$J$10,$AA162+'Results Dashboard'!$J$10,0)","v":-0.18087943477314816},null,{"$f":"IF((X162+W162)>0,(X162+W162)*0.5*'User Parameters'!C$50,(X162+W162)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.32574150811455121]
[1.2419297157716713,634.42282574248929,787.9085596534303,1.2419297157716713,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B163*'User Parameters'!$C$15","v":6.3442282574248932},-209.82996216836591,-0.330741508114551,1.2544744603754256,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S163+C163+'User Parameters'!$C$12)/(B163-F163)","v":1.2544744603754256},{"$f":"IF(T163<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T163>'User Parameters'!$J$6,'User Parameters'!$J$6,T163))","v":1.2544744603754256},0,0,{"$f":"(B163-C163-F163-E163-S163-V163)/'Results Dashboard'!$D$43","v":-0.330741508114551},{"$f":"IF((X163+W163)>0,(X163+W163)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X163+W163)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.330741508114551,1.12684117315422E-26,3.9672964144507082E-26,3.9672964144507082E-26,3.9672964144507082E-26,{"$f":"IF($AA163<-'Results Dashboard'!$J$7,$AA163+'Results Dashboard'!$J$7,0)","v":-0.29854993626090587},{"$f":"IF($AA163<-'Results Dashboard'!$J$8,$AA163+'Results Dashboard'!$J$8,0)","v":-0.26635836440726074},{"$f":"IF($AA163<-'Results Dashboard'!$J$9,$AA163+'Results Dashboard'!$J$9,0)","v":-0.2502625784804382},{"$f":"IF($AA163<-'Results Dashboard'!$J$11,$AA163+'Results Dashboard'!$J$11,0)","v":-0.18587943477314794},{"$f":"IF($AA163<-'Results Dashboard'!$J$10,$AA163+'Results Dashboard'!$J$10,0)","v":-0.18587943477314794},null,{"$f":"IF((X163+W163)>0,(X163+W163)*0.5*'User Parameters'!C$50,(X163+W163)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.330741508114551]
[1.2469297157716712,634.42282574248929,791.08067378214264,1.2469297157716712,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B164*'User Parameters'!$C$15","v":6.3442282574248932},-213.00207629707825,-0.33574150811455084,1.2595249654259304,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S164+C164+'User Parameters'!$C$12)/(B164-F164)","v":1.2595249654259304},{"$f":"IF(T164<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T164>'User Parameters'!$J$6,'User Parameters'!$J$6,T164))","v":1.2595249654259304},0,0,{"$f":"(B164-C164-F164-E164-S164-V164)/'Results Dashboard'!$D$43","v":-0.33574150811455084},{"$f":"IF((X164+W164)>0,(X164+W164)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X164+W164)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.33574150811455084,2.4434884912610478E-27,8.8249232402811523E-27,8.8249232402811523E-27,8.8249232402811523E-27,{"$f":"IF($AA164<-'Results Dashboard'!$J$7,$AA164+'Results Dashboard'!$J$7,0)","v":-0.30354993626090571},{"$f":"IF($AA164<-'Results Dashboard'!$J$8,$AA164+'Results Dashboard'!$J$8,0)","v":-0.27135836440726058},{"$f":"IF($AA164<-'Results Dashboard'!$J$9,$AA164+'Results Dashboard'!$J$9,0)","v":-0.25526257848043804},{"$f":"IF($AA164<-'Results Dashboard'!$J$11,$AA164+'Results Dashboard'!$J$11,0)","v":-0.19087943477314778},{"$f":"IF($AA164<-'Results Dashboard'!$J$10,$AA164+'Results Dashboard'!$J$10,0)","v":-0.19087943477314778},null,{"$f":"IF((X164+W164)>0,(X164+W164)*0.5*'User Parameters'!C$50,(X164+W164)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.33574150811455084]
[1.2519297157716711,634.42282574248929,794.25278791085509,1.2519297157716711,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B165*'User Parameters'!$C$15","v":6.3442282574248932},-216.1741904257907,-0.34074150811455084,1.2645754704764356,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S165+C165+'User Parameters'!$C$12)/(B165-F165)","v":1.2645754704764356},{"$f":"IF(T165<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T165>'User Parameters'!$J$6,'User Parameters'!$J$6,T165))","v":1.2645754704764356},0,0,{"$f":"(B165-C165-F165-E165-S165-V165)/'Results Dashboard'!$D$43","v":-0.34074150811455084},{"$f":"IF((X165+W165)>0,(X165+W165)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X165+W165)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.34074150811455084,5.1941156506128806E-28,1.9240769261997596E-27,1.9240769261997596E-27,1.9240769261997596E-27,{"$f":"IF($AA165<-'Results Dashboard'!$J$7,$AA165+'Results Dashboard'!$J$7,0)","v":-0.30854993626090571},{"$f":"IF($AA165<-'Results Dashboard'!$J$8,$AA165+'Results Dashboard'!$J$8,0)","v":-0.27635836440726058},{"$f":"IF($AA165<-'Results Dashboard'!$J$9,$AA165+'Results Dashboard'!$J$9,0)","v":-0.26026257848043804},{"$f":"IF($AA165<-'Results Dashboard'!$J$11,$AA165+'Results Dashboard'!$J$11,0)","v":-0.19587943477314779},{"$f":"IF($AA165<-'Results Dashboard'!$J$10,$AA165+'Results Dashboard'!$J$10,0)","v":-0.19587943477314779},null,{"$f":"IF((X165+W165)>0,(X165+W165)*0.5*'User Parameters'!C$50,(X165+W165)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.34074150811455084]
[1.256929715771671,634.42282574248929,797.42490203956743,1.256929715771671,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B166*'User Parameters'!$C$15","v":6.3442282574248932},-219.34630455450304,-0.34574150811455068,1.2696259755269403,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S166+C166+'User Parameters'!$C$12)/(B166-F166)","v":1.2696259755269403},{"$f":"IF(T166<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T166>'User Parameters'!$J$6,'User Parameters'!$J$6,T166))","v":1.2696259755269403},0,0,{"$f":"(B166-C166-F166-E166-S166-V166)/'Results Dashboard'!$D$43","v":-0.34574150811455068},{"$f":"IF((X166+W166)>0,(X166+W166)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X166+W166)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.34574150811455068,1.0823429636063253E-28,4.1117726870065554E-28,4.1117726870065554E-28,4.1117726870065554E-28,{"$f":"IF($AA166<-'Results Dashboard'!$J$7,$AA166+'Results Dashboard'!$J$7,0)","v":-0.31354993626090555},{"$f":"IF($AA166<-'Results Dashboard'!$J$8,$AA166+'Results Dashboard'!$J$8,0)","v":-0.28135836440726042},{"$f":"IF($AA166<-'Results Dashboard'!$J$9,$AA166+'Results Dashboard'!$J$9,0)","v":-0.26526257848043788},{"$f":"IF($AA166<-'Results Dashboard'!$J$11,$AA166+'Results Dashboard'!$J$11,0)","v":-0.20087943477314762},{"$f":"IF($AA166<-'Results Dashboard'!$J$10,$AA166+'Results Dashboard'!$J$10,0)","v":-0.20087943477314762},null,{"$f":"IF((X166+W166)>0,(X166+W166)*0.5*'User Parameters'!C$50,(X166+W166)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.34574150811455068]
[1.2619297157716709,634.42282574248929,800.59701616827977,1.2619297157716709,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B167*'User Parameters'!$C$15","v":6.3442282574248932},-222.51841868321537,-0.35074150811455052,{"$f":"($C167+UP_QIPMPM)/($B167-$F167)","v":1.2746764805774453},{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},0,0,0,0,0,0,0,"",0,{"$f":"(S167+C167+'User Parameters'!$C$12)/(B167-F167)","v":1.2746764805774453},{"$f":"IF(T167<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T167>'User Parameters'!$J$6,'User Parameters'!$J$6,T167))","v":1.2746764805774453},0,0,{"$f":"(B167-C167-F167-E167-S167-V167)/'Results Dashboard'!$D$43","v":-0.35074150811455052},{"$f":"IF((X167+W167)>0,(X167+W167)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X167+W167)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.35074150811455052,2.2108966846444624E-29,8.6125329514187908E-29,8.6125329514187908E-29,8.6125329514187908E-29,{"$f":"IF($AA167<-'Results Dashboard'!$J$7,$AA167+'Results Dashboard'!$J$7,0)","v":-0.31854993626090539},{"$f":"IF($AA167<-'Results Dashboard'!$J$8,$AA167+'Results Dashboard'!$J$8,0)","v":-0.28635836440726026},{"$f":"IF($AA167<-'Results Dashboard'!$J$9,$AA167+'Results Dashboard'!$J$9,0)","v":-0.27026257848043772},{"$f":"IF($AA167<-'Results Dashboard'!$J$11,$AA167+'Results Dashboard'!$J$11,0)","v":-0.20587943477314746},{"$f":"IF($AA167<-'Results Dashboard'!$J$10,$AA167+'Results Dashboard'!$J$10,0)","v":-0.20587943477314746},null,{"$f":"IF((X167+W167)>0,(X167+W167)*0.5*'User Parameters'!C$50,(X167+W167)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.35074150811455052]
[1.2669297157716708,634.42282574248929,803.76913029699222,1.2669297157716708,{"$f":"'User Parameters'!$C$11","v":50},{"$f":"B168*'User Parameters'!$C$15","v":6.3442282574248932},-225.69053281192782,-0.35574150811455052,1.2797269856279503,{"$f":"IF(UP_RSBasis=\"MLR\",UP_RSTarget_MLR,IF(UP_RSBasis=\"Medical Baseline\",UP_RSTarget_Medlcal,0))","v":0},{"$f":"IF(UP_RSBasis=\"MLR\",J168-I168,IF(UP_RSBasis=\"Medical Baseline\",J168-$C168,0))","v":0},0,0,0,0,0,0,{"$f":"IF(UP_RSBasis=\"MLR\",SUMPRODUCT(L$4:Q$4,L168:Q168),\"\")","v":""},{"$f":"IF(UP_RSBasis=\"MLR\",R168*(B168-F168),SUMPRODUCT($L$4:$Q$4,$L168:$Q168))","v":0},{"$f":"(S168+C168+'User Parameters'!$C$12)/(B168-F168)","v":1.2797269856279503},{"$f":"IF(T168<'User Parameters'!$J$5,'User Parameters'!$J$5,IF(T168>'User Parameters'!$J$6,'User Parameters'!$J$6,T168))","v":1.2797269856279503},{"$f":"(U168-T168)*(B168-F168)","v":0},{"$f":"V168/B168","v":0},{"$f":"(B168-C168-F168-E168-S168-V168)/'Results Dashboard'!$D$43","v":-0.35574150811455052},{"$f":"IF((X168+W168)>0,(X168+W168)*0.5*((1+'User Parameters'!C$50)^((12+UP_COC_WithholdLag)/12)-1),(X168+W168)*0.5*((1+'User Parameters'!$C$51)^((12+UP_COC_WithholdLag)/12)-1))","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.35574150811455052,4.4271132180516714E-30,1.7681853628392954E-29,{"$f":"AC168+(1-AC5)/2","v":6.1062266354385375E-16},6.1062266354385375E-16,{"$f":"IF($AA168<-'Results Dashboard'!$J$7,$AA168+'Results Dashboard'!$J$7,0)","v":-0.32354993626090539},{"$f":"IF($AA168<-'Results Dashboard'!$J$8,$AA168+'Results Dashboard'!$J$8,0)","v":-0.29135836440726026},{"$f":"IF($AA168<-'Results Dashboard'!$J$9,$AA168+'Results Dashboard'!$J$9,0)","v":-0.27526257848043773},{"$f":"IF($AA168<-'Results Dashboard'!$J$11,$AA168+'Results Dashboard'!$J$11,0)","v":-0.21087943477314747},{"$f":"IF($AA168<-'Results Dashboard'!$J$10,$AA168+'Results Dashboard'!$J$10,0)","v":-0.21087943477314747},null,{"$f":"IF((X168+W168)>0,(X168+W168)*0.5*'User Parameters'!C$50,(X168+W168)*0.5*'User Parameters'!$C$51)","v":0},{"$f":"-'User Parameters'!$C$13*('User Parameters'!$C$14-1)","v":0},-0.35574150811455052]

{"sheet":"RBC Weights","index":8,"n_rows":62,"n_cols":11,"rows_kept":62,"cut":false,"hidden":true,"merged":[[20,1,20,6],[20,8,20,10],[15,0,15,2]]}
["Calculation of Relative Weights of RBC Risk Factors"]
[]
["Selection Criteria:",{"$f":"UP_COC_Selection_H4","v":"Medicaid-Dominant"}]
[]
["Relative Contribution to ACL:","SELECTED","ALL FILINGS","MEDICAID-DOMINANT FILINGS"]
["H0",{"$f":"IF($B$3=\"Medicaid-Dominant\",D6,C6)","v":2.5336962234345423E-2},{"$f":"B32","v":0.1127281279261159},{"$f":"I32","v":2.5336962234345423E-2}]
["H1^2",{"$f":"IF($B$3=\"Medicaid-Dominant\",D7,C7)","v":8.4931946684462842E-2},{"$f":"B33","v":0.22199950203609375},{"$f":"I33","v":8.4931946684462842E-2}]
["H2^2",{"$f":"IF($B$3=\"Medicaid-Dominant\",D8,C8)","v":1},{"$f":"B34","v":1},{"$f":"I34","v":1}]
["H3^2",{"$f":"IF($B$3=\"Medicaid-Dominant\",D9,C9)","v":5.4019580704334283E-2},{"$f":"B35","v":8.4041647614931658E-2},{"$f":"I35","v":5.4019580704334283E-2}]
["H4^2",{"$f":"IF($B$3=\"Medicaid-Dominant\",D10,C10)","v":7.4121569807405724E-2},{"$f":"B36","v":0.15588864942248731},{"$f":"I36","v":7.4121569807405724E-2}]
[]
["ACL % of Revenue",{"$f":"IF($B$3=\"Medicaid-Dominant\",D12,C12)","v":3.2191571853645122E-2},{"$f":"B47","v":3.5029674312779695E-2},{"$f":"I47","v":3.2191571853645122E-2}]
["Aggregate RBC%",{"$f":"IF($B$3=\"Medicaid-Dominant\",D13,C13)","v":4.3611916172156286},{"$f":"B58","v":5.8739999999999997},{"$f":"I58","v":4.3611916172156286}]
["Median RBC%",{"$f":"IF($B$3=\"Medicaid-Dominant\",D14,C14)","v":4.1950000000000003},{"$f":"B59","v":6.418000000000001},{"$f":"I59","v":4.1950000000000003}]
[]
["\"ALL FILINGS\" data from NAIC (2021, June 30) \"Aggregated Health Risk-Based Capital Data\" Retrieved on March 21, 2022, from: https://content.naic.org/sites/default/files/inline-files/2020%20Health%20RBC%20Statistics_as%20of%202020-06-30.pdf"]
["\"MEDICAID-DOMINANT FILINGS\" from NAIC via Kevin Russell FSA, MAAA (Mercer). Received on February 15, 2022. "]
[]
["Include CY 2020","Yes"]
[]
[null,"Health RBC excluding ACA Fees",null,null,null,null,null,null,"Medicaid Dominant Health RBC Only excluding ACA Fees"]
[null,"Selected Period Average",2020,2019,2018,2017,2016,null,"2-Year Average",2020,2019]
[]
["H0 - ASSET RISK - AFFILIATES W/RBC",{"$f":"IF($B$19=\"Yes\",AVERAGE(C24:G24),AVERAGE(D24:G24))","v":4657710234.6000004},5192392682,4782424393,4487634571,4332880131,4493219396,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J24:K24),AVERAGE(K24))","v":335724340},324883630,346565050]
["H1 - ASSET RISK - OTHER",{"$f":"IF($B$19=\"Yes\",AVERAGE(C25:G25),AVERAGE(D25:G25))","v":9172594025.3999996},11292103225,9743938557,8589245210,8315790867,7921892268,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J25:K25),AVERAGE(K25))","v":1125380441.5},1017470455,1233290428]
["H2 - UNDERWRITING RISK",{"$f":"IF($B$19=\"Yes\",AVERAGE(C26:G26),AVERAGE(D26:G26))","v":41318083785.199997},45819164666,44037638071,40572604055,38787031590,37373980544,null,13250378514,12847292785,13653464243]
["H3 - CREDIT RISK",{"$f":"IF($B$19=\"Yes\",AVERAGE(C27:G27),AVERAGE(D27:G27))","v":3472439837.5999999},4199732859,3626933231,3408034022,3143155975,2984343101,null,715779891.5,619818601,811741182]
["H4 - BUSINESS RISK",{"$f":"IF($B$19=\"Yes\",AVERAGE(C28:G28),AVERAGE(D28:G28))","v":6441020278},7481764896,6571143274,6468297728,5739438653,5944456839,null,982138856,861166718,1103110994]
["TOTAL RBC BEFORE COVARIANCE",{"$f":"SUM(B24:B28)","v":65061848160.799995},73985158328,68762077526,63525815586,60318297216,58717892148,null,16409402043,{"$f":"SUM(J24:J28)","v":15670632189},17148171897]
[]
["Weights of Risks Relative to (H2) Underwriting Risk"]
["H0 - ASSET RISK - AFFILIATES W/RBC",{"$f":"B24/B$26","v":0.1127281279261159},{"$f":"C24/C$26","v":0.11332359984844949},{"$f":"D24/D$26","v":0.10859856710047668},0.11060750660511184,0.11170950581629699,0.12022319620759098,null,{"$f":"I24/I$26","v":2.5336962234345423E-2},0,0]
["H1 - ASSET RISK - OTHER",{"$f":"B25/B$26","v":0.22199950203609375},{"$f":"C25/C$26","v":0.24644934728326198},{"$f":"D25/D$26","v":0.221263877533356},0.21170061449239161,0.21439616609237924,0.21196276534348912,null,{"$f":"I25/I$26","v":8.4931946684462842E-2},{"$f":"J25/J$26","v":7.9197265293740243E-2},9.0328022694481813E-2]
["H2 - UNDERWRITING RISK",{"$f":"B26/B$26","v":1},1,{"$f":"D26/D$26","v":1},1,1,1,null,{"$f":"I26/I$26","v":1},1,1]
["H3 - CREDIT RISK",{"$f":"B27/B$26","v":8.4041647614931658E-2},9.1658870029911341E-2,{"$f":"D27/D$26","v":8.2359849207908259E-2},8.3998404868962512E-2,8.1036259959897591E-2,7.9850822886969819E-2,null,{"$f":"I27/I$26","v":5.4019580704334283E-2},4.8245074769657004E-2,5.9453129810346256E-2]
["H4 - BUSINESS RISK",{"$f":"B28/B$26","v":0.15588864942248731},0.16328898509037695,{"$f":"D28/D$26","v":0.14921652390633727},0.15942525451981368,0.1479731347752771,0.15905335081987459,null,{"$f":"I28/I$26","v":7.4121569807405724E-2},6.7030987182409726E-2,8.0793487598984595E-2]
[]
["Calculation of RBC After Covariance"]
["H0",{"$f":"IF($B$19=\"Yes\",AVERAGE(C24:G24),AVERAGE(D24:G24))","v":4657710234.6000004},{"$f":"C24","v":5192392682},{"$f":"D24","v":4782424393},{"$f":"E24","v":4487634571},{"$f":"F24","v":4332880131},{"$f":"G24","v":4493219396},null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J24:K24),AVERAGE(K24))","v":335724340},{"$f":"J24","v":324883630},{"$f":"K24","v":346565050}]
["H1^2",{"$f":"IF($B$19=\"Yes\",AVERAGE(C25:G25)^2,AVERAGE(D25:G25)^2)","v":8.4136481154803761E+19},{"$f":"C25^2","v":1.275115952440554E+20},9.494433860259124E+19,7.3775133277507944E+19,6.915237774368061E+19,6.2756377105798185E+19,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J25:K25)^2,AVERAGE(K25)^2)","v":1.2664811381107348E+18},{"$f":"J25^2","v":1.0352461267979071E+18},1.5210052797964232E+18]
["H2^2",{"$f":"IF($B$19=\"Yes\",AVERAGE(C26:G26)^2,AVERAGE(D26:G26)^2)","v":1.707184047680807E+21},2.0993958506900229E+21,1.9393135668723885E+21,1.6461361998038025E+21,1.5044338195636581E+21,1.3968144217032905E+21,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J26:K26)^2,AVERAGE(K26)^2)","v":1.7557253076427286E+20},1.6505293190351307E+20,1.8641708583487957E+20]
["H3^2",{"$f":"IF($B$19=\"Yes\",AVERAGE(C27:G27)^2,AVERAGE(D27:G27)^2)","v":1.2057838425751513E+19},1.7637756086964314E+19,1.3154644662132099E+19,1.1614695895109497E+19,9.8794294831782011E+18,8.9063037444862966E+18,null,5.1234085307575174E+17,3.8417509814559718E+17,6.5892374655475712E+17]
["H4^2",{"$f":"IF($B$19=\"Yes\",AVERAGE(C28:G28)^2,AVERAGE(D28:G28)^2)","v":4.1486742221607199E+19},5.597680595901789E+19,4.3179923927435436E+19,4.1838875498049962E+19,3.2941156051550454E+19,3.5336567110733873E+19,null,9.6459673246498867E+17,7.4160811619089152E+17,1.216853865083668E+18]
["Risk Based Capital After Covariance",{"$f":"B39+SUM(B40:B43)^(1/2)*1.03","v":48898159991.021805},54595062632.783493,51877111521.540077,47862314133.585419,45743578699.330742,44435626961.729752,null,{"$f":"I39+SUM(I40:I43)^(1/2)*1.03","v":14089828847.809256},{"$f":"J39+SUM(J40:J43)^(1/2)*1.03","v":13643941084.806873},14537179319.007069]
[]
["Authorized Control Level",{"$f":"B44/2","v":24449079995.510902},27297531316.391747,25938555760.770039,23931157066.792709,22871789349.665371,22217813480.864876,null,{"$f":"I44/2","v":7044914423.9046278},6821970542.4034367,7268589659.5035343]
["ACL % of Revenue",{"$f":"B46/B56","v":3.5029674312779695E-2},{"$f":"C46/C56","v":3.3837981342457996E-2},3.5444858781453446E-2,3.4716661587408104E-2,3.5523141309025771E-2,3.5947070856342959E-2,null,{"$f":"I46/I56","v":3.2191571853645122E-2},{"$f":"J46/J56","v":3.3582457514536257E-2},3.0990040300924126E-2]
[]
["Relative Contribution to ACL"]
["H0",{"$f":"IF($B$19=\"Yes\",AVERAGE(C50:G50),AVERAGE(D50:G50))","v":9.537896406555009E-2},{"$f":"C39/C44","v":9.510736743586129E-2},{"$f":"D39/D44","v":9.2187561194772241E-2},9.3761337123709737E-2,9.4721057123223998E-2,0.1011174974501832,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J50:N50),AVERAGE(K50:N50))","v":2.3825739082248637E-2},{"$f":"J39/J44","v":2.3811567931920505E-2},{"$f":"K39/K44","v":2.3839910232576769E-2}]
["H1^2",{"$f":"IF($B$19=\"Yes\",AVERAGE(C51:G51),AVERAGE(D51:G51))","v":4.1065222841940453E-2},{"$f":"(1-C$50)*(C40/SUM(C$40:C$43))","v":5.0155704967220757E-2},4.1228337252163336E-2,3.7701139774581241E-2,3.8729230838256933E-2,3.7511701377479986E-2,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J51:N51),AVERAGE(K51:N51))","v":6.9329169680419338E-3},{"$f":"(1-J$50)*(J40/SUM(J$40:J$43))","v":6.0437255705270854E-3},7.8221083655567823E-3]
["H2^2",{"$f":"IF($B$19=\"Yes\",AVERAGE(C52:G52),AVERAGE(D52:G52))","v":0.83732341372012087},0.82578120597644367,0.84212155194821181,0.8412212652108072,0.842567769610583,0.83492527585455834,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J52:N52),AVERAGE(K52:N52))","v":0.96113190316930219},0.96357242902340157,0.95869137731520271]
["H3^2",{"$f":"IF($B$19=\"Yes\",AVERAGE(C53:G53),AVERAGE(D53:G53))","v":5.8883979040033445E-3},6.9376756591305053E-3,5.7122323936853528E-3,5.9354318172987735E-3,5.5330375829232472E-3,5.3236120669788401E-3,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J53:N53),AVERAGE(K53:N53))","v":2.8157304966054042E-3},2.2427988901575985E-3,3.3886621030532098E-3]
["H4^2",{"$f":"IF($B$19=\"Yes\",AVERAGE(C54:G54),AVERAGE(D54:G54))","v":2.0344001468385275E-2},2.2018045961343699E-2,1.8750317211167333E-2,2.1380826073603077E-2,1.8448904845012763E-2,2.1121913250799512E-2,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J54:N54),AVERAGE(K54:N54))","v":5.2937102838017166E-3},4.3294785839930695E-3,6.2579419836103628E-3]
[]
["Revenue",{"$f":"IF($B$19=\"Yes\",AVERAGE(C56:G56),AVERAGE(D56:G56))","v":697953391664.59998},806712759846,731800228651,689327716795,643856047265,618070205766,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J56:N56),AVERAGE(K56:N56))","v":218843443120.25},203140896983.20999,234545989257.29001]
[]
["Aggregate RBC%",{"$f":"IF($B$19=\"Yes\",AVERAGE(C58:G58),AVERAGE(D58:G58))","v":5.8739999999999997},6.72,5.48,6.26,5.26,5.65,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J58:K58),AVERAGE(K58:K58))","v":4.3611916172156286},4.0593406572191517,4.6630425772121056]
["Median RBC%",6.418000000000001,7.06,6.4,6.68,6.09,5.86,null,{"$f":"IF($B$19=\"Yes\",AVERAGE(J59:K59),AVERAGE(K59:K59))","v":4.1950000000000003},3.82,4.57]
[]
[]
["Source: NAIC. \"Aggregated Health Risk-Based Capital Data\" (2016-2020) Internet: https://content.naic.org/sites/default/files/inline-files/2020%20Health%20RBC%20Statistics_as%20of%202020-06-30.pdf"]

{"sheet":"Tax Rates","index":9,"n_rows":69,"n_cols":11,"rows_kept":69,"cut":false,"hidden":true,"merged":[[66,0,66,5],[66,6,66,10],[67,0,67,5],[67,6,67,10],[68,0,68,5],[68,6,68,10],[63,0,63,5],[63,6,63,10],[64,0,64,5],[64,6,64,10],[65,0,65,5],[65,6,65,10],[2,1,2,4],[2,7,2,10],[61,0,61,5],[61,6,61,10],[62,0,62,5],[62,6,62,10]]}
["State Corporate Tax Rates"]
[]
["Source:","Tax Foundation. \"State Corporate Income Tax Rates and Brackets for 2021\" Internet: https://taxfoundation.org/state-corporate-tax-rates-2021/",null,null,null,null,"Source:","Tax Foundation. \"State Corporate Income Tax Rates and Brackets for 2024\" Internet: https://taxfoundation.org/data/all/state/state-corporate-income-tax-rates-brackets-2024/"]
[]
["Period",2021,null,null,null,null,"Period",2024]
[]
["STATE","Rate (%)","Federal Tax Deduction","Top Bracket","Note",null,"STATE","Rate (%)","Federal Tax Deduction","Top Bracket","Note"]
["Alabama",6.5000000000000002E-2,1,0,null,null,"Alabama",6.5000000000000002E-2]
["Alaska",9.4E-2,null,222000,null,null,"Alaska",9.4E-2,null,222000]
["Arizona",4.9000000000000002E-2,null,0,null,null,"Arizona",4.9000000000000002E-2]
["Arkansas",6.2E-2,null,100000,null,null,"Arkansas",4.8000000000000001E-2,null,11000]
["California",8.8400000000000006E-2,null,0,null,null,"California",8.8399999999999992E-2]
["Colorado",4.5499999999999999E-2,null,0,null,null,"Colorado",4.4000000000000004E-2]
["Connecticut",7.4999999999999997E-2,null,0,null,null,"Connecticut",7.4999999999999997E-2,null,null,"a"]
["Delaware",8.6999999999999994E-2,null,0,"a",null,"Delaware",8.6999999999999994E-2,null,null,"b"]
["Florida",4.4580000000000002E-2,null,0,"b",null,"Florida",5.5E-2]
["Georgia",5.7500000000000002E-2,null,0,"c",null,"Georgia",5.7500000000000002E-2,null,null,"c"]
["Hawaii",6.4000000000000001E-2,null,100000,null,null,"Hawaii",6.4000000000000001E-2,null,100000]
["Idaho",6.9250000000000006E-2,null,0,null,null,"Idaho",5.7999999999999996E-2]
["Illinois",9.5000000000000001E-2,null,0,"d",null,"Illinois",9.5000000000000001E-2,null,null,"d"]
["Indiana",5.2499999999999998E-2,null,0,"e",null,"Indiana",4.9000000000000002E-2]
["Iowa",9.8000000000000004E-2,0.5,250000,null,null,"Iowa",7.3999999999999996E-2,null,100000]
["Kansas",7.0000000000000007E-2,null,50000,null,null,"Kansas",6.5000000000000002E-2,null,50000]
["Kentucky",0.05,null,0,null,null,"Kentucky",0.05]
["Louisiana",0.08,1,200000,null,null,"Louisiana",7.4999999999999997E-2,null,150000]
["Maine",8.9300000000000004E-2,null,3500000,null,null,"Maine",8.9300000000000004E-2,null,3500000]
["Maryland",8.2500000000000004E-2,null,0,null,null,"Maryland",8.2500000000000004E-2]
["Massachusetts",0.08,null,0,null,null,"Massachusetts",0.08]
["Michigan",0.06,null,0,null,null,"Michigan",0.06]
["Minnesota",9.8000000000000004E-2,null,0,null,null,"Minnesota",9.8000000000000004E-2]
["Mississippi",0.05,null,10000,"f",null,"Mississippi",0.05,null,10000]
["Missouri",0.04,0.5,0,null,null,"Missouri",0.04]
["Montana",6.7500000000000004E-2,null,0,null,null,"Montana",6.7500000000000004E-2]
["Nebraska",7.8100000000000003E-2,null,100000,null,null,"Nebraska",5.8400000000000001E-2,null,100000]
["Nevada",0,null,0,null,null,"Nevada",0,null,null,"b"]
["New Hampshire",7.6999999999999999E-2,null,0,"a",null,"New Hampshire",7.4999999999999997E-2]
["New Jersey",0.115,null,1000000,null,null,"New Jersey",0.09,null,100000,"e"]
["New Mexico",5.8999999999999997E-2,null,500000,"g",null,"New Mexico",5.8999999999999997E-2,null,500000]
["New York",6.5000000000000002E-2,null,0,null,null,"New York",7.2499999999999995E-2,null,5000000]
["North Carolina",2.5000000000000001E-2,null,0,null,null,"North Carolina",2.5000000000000001E-2]
["North Dakota",4.3099999999999999E-2,null,50000,null,null,"North Dakota",4.3099999999999999E-2,null,50000]
["Ohio",0,null,0,null,null,"Ohio",0,null,null,"b"]
["Oklahoma",0.06,null,0,"a",null,"Oklahoma",0.04]
["Oregon",7.5999999999999998E-2,null,1000000,null,null,"Oregon",7.5999999999999998E-2,null,1000000,"b"]
["Pennsylvania",9.9900000000000003E-2,null,0,"a",null,"Pennsylvania",8.4900000000000003E-2]
["Rhode Island",7.0000000000000007E-2,null,0,null,null,"Rhode Island",7.0000000000000007E-2]
["South Carolina",0.05,null,0,null,null,"South Carolina",0.05]
["South Dakota",0,null,0,null,null,"South Dakota",0]
["Tennessee",6.5000000000000002E-2,null,0,null,null,"Tennessee",6.5000000000000002E-2,null,null,"b"]
["Texas",0,null,0,"a",null,"Texas",0,null,null,"b"]
["Utah",4.9500000000000002E-2,null,0,"a",null,"Utah",4.6500000000000007E-2]
["Vermont",8.5000000000000006E-2,null,25000,null,null,"Vermont",8.5000000000000006E-2,null,25000]
["Virginia",0.06,null,0,null,null,"Virginia",0.06]
["Washington",0,null,0,null,null,"Washington",0,null,null,"b"]
["West Virginia",6.5000000000000002E-2,null,0,"a",null,"West Virginia",6.5000000000000002E-2]
["Wisconsin",7.9000000000000001E-2,null,0,null,null,"Wisconsin",7.9000000000000001E-2]
["Wyoming",0,null,0,null,null,"Wyoming",0]
["District of Columbia",8.2500000000000004E-2,null,0,null,null,"District of Columbia",8.2500000000000004E-2]
["User-Defined",{"$f":"'User Parameters'!J39","v":0},"n/a","n/a","n/a",null,"User-Defined",{"$f":"'User Parameters'!J39","v":0},"n/a","n/a","n/a"]
[]
["Specific Notes:"]
["(a) Nevada, Ohio, Texas, and Washington do not have a corporate income tax but do have a gross receipts tax with rates not strictly comparable to corporate income tax rates. See Table 18 for more information. Delaware, Oregon, and Tennessee have gross receipts taxes in addition to corporate income taxes, as do several states like Pennsylvania, Virginia, and West Virginia, which permit gross receipts taxes at the local (but not state) level.",null,null,null,null,null,"(a) Connecticut charges a 10% surtax on a business's tax liability if it has gross proceeds of $100 million or more, or if it files as part of a combined unitary group. This surtax was recently extended and is scheduled to expire on January 1, 2026."]
["(b) Florida's corporate income tax rate will return to 5.5% for tax years beginning on or after Jan. 1, 2022.",null,null,null,null,null,"(b) Nevada, Ohio, Texas, and Washington do not have a corporate income tax but do have a gross receipts tax with rates not strictly comparable to corporate income tax rates. Delaware, Oregon, and Tennessee have gross receipts taxes in addition to corporate income taxes, as do several states like Pennsylvania, Virginia, and West Virginia, which permit gross receipts taxes at the local (but not state) level."]
["(c) Georgia's corporate income tax rate will revert to 6% on January 1, 2026.",null,null,null,null,null,"(c) Georgia's corporate income tax rate is scheduled to revert to 6% on January 1, 2026."]
["(d) Illinois' rate includes two separate corporate income taxes, one at a 7% rate and one at a 2.5% rate. ",null,null,null,null,null,"(d) Illinois' rate includes two separate corporate income taxes, one at a 7% rate and one at a 2.5% rate."]
["(e) Indiana's rate will change to 4.9% on July 1, 2021.",null,null,null,null,null,"(e) In New Jersey, the rates indicated apply to a corporation's entire net income rather than just income over the threshold."]
["(f) Mississippi continues to phase out the 3 percent bracket by increasing the exemption by $1,000 a year. By the start of 2022, the 3% bracket will be fully eliminated.",null,null,null,null,null,"Note: In addition to regular income taxes, many states impose other taxes on corporations such as gross receipts taxes and capital stock taxes. Some states also impose an alternative minimum tax and special rates on financial institutions."]
["(g) In New Jersey, the rates indicated apply to a corporation's entire net income rather than just income over the threshold. A temporary and retroactive surcharge is in effect from 2020 to 2023, bringing the rate to 11.5% for businesses with income over $1 million."]
["General note: In addition to regular income taxes, many states impose other taxes on corporations such as gross receipts taxes and capital stock taxes. Some states also impose an alternative minimum tax and special rates on financial institutions.",null,null,null,null,null,"Sources: Tax Foundation; state tax statutes, forms, and instructions; Bloomberg Tax."]

{"sheet":"Drop Downs","index":10,"n_rows":124,"n_cols":5,"rows_kept":124,"cut":false,"hidden":true,"merged":[]}
[]
["Yes/No Toggle"]
["Yes"]
["No"]
[]
["Risk Based Capital (RBC) % Thresholds"]
["25th Percentile",{"$f":"ROUND(_xlfn.XLOOKUP(\"RBC %\"&\"5-Year\",data_coc[METRIC]&data_coc[Period],data_coc[25th Percentile],0),2)","v":3.56}]
["50th Percentile",{"$f":"ROUND(_xlfn.XLOOKUP(\"RBC %\"&\"5-Year\",data_coc[METRIC]&data_coc[Period],data_coc[50th Percentile],0),2)","v":4.59}]
["75th Percentile",{"$f":"ROUND(_xlfn.XLOOKUP(\"RBC %\"&\"5-Year\",data_coc[METRIC]&data_coc[Period],data_coc[75th Percentile],0),2)","v":6.29}]
["User-Defined",{"$f":"'User Parameters'!J37","v":4.5}]
[]
[]
["Interest Rate for Cost of Debt (%)"]
["Moderate (Proxy: Baa/BAA Yield)",{"$f":"'Cost of Capital Data'!B15","v":5.8599999999999999E-2}]
["Low-Cost (Proxy: Aaa/AAA Yield)",{"$f":"'Cost of Capital Data'!B14","v":4.8099999999999997E-2}]
["User-Defined",{"$f":"'User Parameters'!J43","v":0}]
[]
[]
["Risk-Free Rate (%)"]
["3-Month Treasury",{"$f":"'Cost of Capital Data'!B10","v":5.0700000000000002E-2},{"$f":"'Cost of Capital Data'!C10","v":2.3800000000000002E-2}]
["10-Yr Treasury",{"$f":"'Cost of Capital Data'!B11","v":3.9699999999999999E-2},{"$f":"'Cost of Capital Data'!C11","v":2.7400000000000001E-2}]
["20-Yr Treasury",{"$f":"'Cost of Capital Data'!B12","v":4.2700000000000002E-2},{"$f":"'Cost of Capital Data'!C12","v":3.1399999999999997E-2}]
["User-Defined",{"$f":"'User Parameters'!J40","v":0}]
[]
[]
["Benchmark Expected Rates of Returns & Beta","Return","Beta"]
["S&P 500",{"$f":"'Cost of Capital Data'!B18+'Cost of Capital Data'!C18","v":0.1323},{"$f":"'Cost of Capital Data'!D18","v":1}]
["Select Health Insurers",{"$f":"'Cost of Capital Data'!B19+'Cost of Capital Data'!C19","v":0.1618},{"$f":"'Cost of Capital Data'!D19","v":0.53180000000000005}]
["Select U.S. Utilities",{"$f":"'Cost of Capital Data'!B20+'Cost of Capital Data'!C20","v":5.0799999999999998E-2},{"$f":"'Cost of Capital Data'!D20","v":0.53410000000000002}]
["User-Defined",null,{"$f":"'User Parameters'!J41","v":1}]
[]
[]
["Equity Premium"]
["CAPM Calculated",{"$f":"UP_COC_Beta*((B27)-_xlfn.XLOOKUP(UP_COC_Selection_RiskFreeRate,A20:A22,C20:C22,B23))","v":5.578582E-2}]
["Implied Eq. Risk Prem. (Damodaran)",{"$f":"'Cost of Capital Data'!B22","v":4.9000000000000002E-2}]
["User-Defined",{"$f":"'User Parameters'!J42","v":0}]
[]
["Factor to Apply to Calculate Cost of Withhold, Payment Lag & Claims Lag"]
["None",0]
["Interest Rate for Debt",{"$f":"UP_COC_InterestRate","v":4.8099999999999997E-2}]
["Risk-Free Rate",{"$f":"Rf","v":3.9699999999999999E-2}]
["User-Defined",{"$f":"'User Parameters'!J45","v":0.05}]
[]
[]
[]
["Discounting Methodology"]
["No Discount",0]
["Risk-Free Rate (Relative to % Equity)",{"$f":"'COC Calculation'!C58*'COC Calculation'!C69","v":3.1760000000000004E-2},null,"Value of risk-free rate relative to % of equity held"]
["Investment Earnings",{"$f":"'Cost of Capital Data'!B24","v":3.5900000000000001E-2},null,"Source: NAIC filings, 2015-2019 average from S&P Global: [KeyField:230370, NET_INVEST_INC_EARNED_ANNUITY] / [KeyField:123210, ADJ_CAPITAL]; from NAIC:"]
["User-Defined",{"$f":"'User Parameters'!J44","v":0},null,null,"2020 Annual: P4, Row 25, Col 2;; P15, Row 17, Col 2;; PSupp 214.1, Row 3"]
[null,null,null,null,"2020 Annual: P29, Row 14, Col 1"]
[]
["Calculation Targets"]
["Probability of Ruin"]
["Net Income Before Taxes"]
["Risk Margin"]
[]
[]
[]
["Data For Ruin Calculations:"]
["Probability of Ruin Target",{"$f":"UP_Target_Level","v":0.02}]
["Estimated RBC as % of Premium at the Ruin Target",{"$f":"TREND('Results Dashboard'!J9:J10,'Results Dashboard'!K9:K10,B61)","v":-3.6826558004287242}]
["Difference between Target RBC and Ruin RBC",{"$f":"B62-'Results Dashboard'!J11","v":-3.8275178737701272}]
[]
[]
["Risk Share Target"]
["No Risk Share"]
["MLR"]
["Medical Baseline"]
[]
[]
["Income Matrix - Interest Income on Gains"]
["None",0]
["3-Month Treasury",{"$f":"'Cost of Capital Data'!B10","v":5.0700000000000002E-2}]
["Cost of Debt",{"$f":"B40","v":4.8099999999999997E-2}]
["Cost of Equity",{"$f":"'User Parameters'!C35","v":8.8700000000000001E-2}]
["Weighted Average Cost of Capital",{"$f":"'User Parameters'!C39","v":7.7992220000000015E-2}]
["User-Defined",{"$f":"'User Parameters'!J46","v":0}]
[]
[]
["Income Matrix - Interest Expense on Losses"]
["None",0]
["3-Month Treasury",{"$f":"'Cost of Capital Data'!B10","v":5.0700000000000002E-2}]
["Cost of Debt",{"$f":"B75","v":4.8099999999999997E-2}]
["Cost of Equity",{"$f":"B76","v":8.8700000000000001E-2}]
["Weighted Average Cost of Capital",{"$f":"B77","v":7.7992220000000015E-2}]
["User-Defined",{"$f":"'User Parameters'!J47","v":0}]
[]
[]
["Authorized Control Level Prompt"]
["NAIC Filings + User Parameters",{"$f":"ACL_Percent","v":3.2191571853645122E-2}]
["NAIC Filings (Medicaid-Dominant)",{"$f":"'RBC Weights'!D12","v":3.2191571853645122E-2}]
["NAIC Filings (All)",{"$f":"'RBC Weights'!C12","v":3.5029674312779695E-2}]
["User-Defined",{"$f":"'User Parameters'!J38","v":0}]
[]
[]
["Authorized Control Level Source"]
["NAIC Average (Medicaid-Dominant)"]
["NAIC Average (All)"]
["User-Defined"]
[]
[]
["NAIC Filings"]
["Medicaid-Dominant"]
["All Filings"]
[]
[]
["Historical Time Horizons for Risk Free Rate"]
["5-Year"]
["3-Year"]
["1-Year"]
["6-Month"]
[]
[]
["Historical Time Horizons for Expected Rates of Returns & Betas"]
["10-Year"]
["5-Year"]
["3-Year"]
["1-Year"]
[]
[]
["Tax Treatment of Cost of Equity"]
["After-Tax"]
["Pre-Tax"]

{"sheet":"Curve Selection Drop Down","index":11,"n_rows":26,"n_cols":11,"rows_kept":26,"cut":false,"hidden":true,"merged":[[2,5,2,6],[2,7,2,8],[2,9,2,10],[3,2,3,3]]}
[]
["UW Margin Adjusted Standard Deviations"]
[null,null,null,null,null,"Risk Margin",null,"Probability of Ruin",null,"Likelihood of Loss"]
["Include Pandemic Years in Curve?","Y/N","Curves",null,"Stand Dev.","% of Prem.","High/ Low","%","High/ Low","%","High/ Low"]
[]
[1,"Y","Composite 2013 to 2022 Curve",null,3.6157817692235202E-2,9.999389648437499E-3,{"$f":"IF(F6=MIN($F$6:$F$16),\"Low\",IF(F6=MAX($F$6:$F$16),\"High\",\"\"))","v":"Low"},2.5174470245714712E-6,{"$f":"IF(H6=MIN($H$6:$H$16),\"Low\",IF(H6=MAX($H$6:$H$16),\"High\",\"\"))","v":""},0.29008694866924578,{"$f":"IF(J6=MIN($J$5:$J$16),\"Low\",IF(J6=MAX($J$5:$J$16),\"High\",\"\"))","v":""}]
[2,"Y","Composite 2013 to 2019 Curve",null,3.7144889249174973E-2,9.999389648437499E-3,"Low",4.454988633962101E-6,{"$f":"IF(H7=MIN($H$6:$H$16),\"Low\",IF(H7=MAX($H$6:$H$16),\"High\",\"\"))","v":""},0.29513939178846954,{"$f":"IF(J7=MIN($J$5:$J$16),\"Low\",IF(J7=MAX($J$5:$J$16),\"High\",\"\"))","v":""}]
[3,"Y","Composite 2013 to 2015 Curve",null,3.8920096212363517E-2,9.999389648437499E-3,"Low",1.1203150610040934E-5,"",0.30367027247816308,""]
[4,"Y","Composite 2016 to 2019 Curve",null,3.5290503251745854E-2,9.999389648437499E-3,"Low",1.466342828126833E-6,"",0.28545061712343617,""]
[5,"Y","Composite 2020 to 2022 Curve",null,3.227450790092197E-2,9.999389648437499E-3,"Low",1.5905075896779616E-7,"",0.26773288655532035,""]
[6,"Y","MCO Size Curve",null,{"$f":"1.8703*UP_MemberMonths^-0.287","v":3.1577161079253638E-2},9.999389648437499E-3,"Low",2.903032437785975E-16,"Low",0.16023023532934128,"Low"]
[7,"Y","For-Profit Curve",null,3.7489187153317727E-2,9.999389648437499E-3,"Low",5.3809783047198889E-6,"",0.29684819833350923,""]
[8,"Y","Not-For-Profit Curve",null,3.2535744820542931E-2,9.999389648437499E-3,"Low",1.9750654024852772E-7,"",0.26937361147351246,""]
[9,"Y","Expansion Curve",null,3.4606301192357497E-2,9.999389648437499E-3,"Low",9.3069840594029612E-7,"",0.28165588170512024,""]
[10,"Y","Non-Expansion Curve",null,4.0199431470060817E-2,9.999389648437499E-3,"Low",2.0256388919804823E-5,"High",0.30941138681631442,"High"]
[11,"Y","User-Defined Curve",null,{"$f":"'User Parameters'!J36","v":2.8750000000000001E-2},9.999389648437499E-3,"Low",4.758195781774995E-9,"",0.2433233417830134,""]
[]
[1,"N","Composite 2013 to 2019 Curve",null,3.7144889249174973E-2,9.999389648437499E-3,{"$f":"IF(F18=MIN($F$18:$F$26),\"Low\",IF(F18=MAX($F$18:$F$26),\"High\",\"\"))","v":"Low"},4.454988633962101E-6,{"$f":"IF(H18=MIN($H$18:$H$26),\"Low\",IF(H18=MAX($H$18:$H$26),\"High\",\"\"))","v":""},0.29513939178846954,{"$f":"IF(J18=MIN($J$18:$J$26),\"Low\",IF(J18=MAX($J$18:$J$26),\"High\",\"\"))","v":""}]
[2,"N","Composite 2013 to 2015 Curve",null,3.8920096212363517E-2,9.999389648437499E-3,"Low",1.1203150610040934E-5,{"$f":"IF(H19=MIN($H$18:$H$26),\"Low\",IF(H19=MAX($H$18:$H$26),\"High\",\"\"))","v":""},0.30367027247816308,{"$f":"IF(J19=MIN($J$18:$J$26),\"Low\",IF(J19=MAX($J$18:$J$26),\"High\",\"\"))","v":""}]
[3,"N","Composite 2016 to 2019 Curve",null,3.5290503251745854E-2,9.999389648437499E-3,"Low",1.466342828126833E-6,"",0.28545061712343617,""]
[4,"N","MCO Size Curve",null,{"$f":"1.786*UP_MemberMonths^-0.284","v":3.1468173571826533E-2},9.999389648437499E-3,"Low",1.347476019535588E-16,"Low",0.16053229900385585,"Low"]
[5,"N","For-Profit Curve",null,3.9758538541824137E-2,9.999389648437499E-3,"Low",1.6619991958920953E-5,"High",0.30746927041220151,"High"]
[6,"N","Not-For-Profit Curve",null,3.3752994518637974E-2,9.999389648437499E-3,"Low",5.0815171365507276E-7,"",0.27674451558102225,""]
[7,"N","Expansion Curve",null,3.6247217226758444E-2,9.999389648437499E-3,"Low",2.6559874477464931E-6,"",0.29055417272178097,""]
[8,"N","Non-Expansion Curve",null,3.8910270206128104E-2,9.999389648437499E-3,"Low",1.1149846007047889E-5,"",0.30362490722899677,""]
[9,"N","User-Defined Curve",null,{"$f":"'User Parameters'!J36","v":2.8750000000000001E-2},9.999389648437499E-3,"Low",4.758195781774995E-9,"",0.2433233417830134,""]

{"sheet":"Cost of Capital Data","index":12,"n_rows":65,"n_cols":17,"rows_kept":65,"cut":false,"hidden":true,"merged":[]}
[]
["Selected Time Period"]
[null,"Time Period","Metric"]
["Risk Free Rate",{"$f":"UP_COC_Selection_RiskFreeTimePeriod","v":"1-Year"},{"$f":"UP_COC_Selection_RiskFreeRate","v":"10-Yr Treasury"}]
["Equity Rate",{"$f":"UP_COC_Selection_EquityTimePeriod","v":"3-Year"},{"$f":"UP_COC_Selection_ExpectedRate","v":"Select Health Insurers"}]
["Debt Rate",{"$f":"B4","v":"1-Year"},{"$f":"UP_COC_Selection_InterestRate","v":"Low-Cost (Proxy: Aaa/AAA Yield)"}]
["Investment Yield",{"$f":"B5","v":"3-Year"}]
[]
[null,"Yield","Yield to Use in CAPM Formula",null,"Vlookup"]
["3-Month Treasury",{"$f":"ROUND(VLOOKUP($B$4,$B$44:$Q$48,$E10,FALSE),4)","v":5.0700000000000002E-2},{"$f":"ROUND(VLOOKUP($B$5,$B$44:$Q$48,$E10,FALSE),4)","v":2.3800000000000002E-2},null,7]
["10-Year Treasury",{"$f":"ROUND(VLOOKUP($B$4,$B$44:$Q$48,$E11,FALSE),4)","v":3.9699999999999999E-2},{"$f":"ROUND(VLOOKUP($B$5,$B$44:$Q$48,$E11,FALSE),4)","v":2.7400000000000001E-2},null,8]
["20-Year Treasury",4.2700000000000002E-2,{"$f":"ROUND(VLOOKUP($B$5,$B$44:$Q$48,$E12,FALSE),4)","v":3.1399999999999997E-2},null,9]
[]
["Corporate Aaa/AAA",4.8099999999999997E-2,null,null,10]
["Corporate Baa/BAA",5.8599999999999999E-2,null,null,11]
[]
[null,"Average TTM Return","Dividend Yield","Beta","Vlookup"]
["S&P 500",{"$f":"ROUND(VLOOKUP($B$5,$B$40:$Q$43,$E18,FALSE),4)","v":0.1181},{"$f":"ROUND(VLOOKUP($B$5,$B$32:$Q$35,$E18,FALSE),4)","v":1.4200000000000001E-2},{"$f":"ROUND(VLOOKUP($B$5,$B$36:$Q$39,$E18,FALSE),4)","v":1},2]
["Select Health Insurers",{"$f":"ROUND(VLOOKUP($B$5,$B$40:$Q$43,$E19,FALSE),4)","v":0.1492},{"$f":"ROUND(VLOOKUP($B$5,$B$32:$Q$35,$E19,FALSE),4)","v":1.26E-2},{"$f":"ROUND(VLOOKUP($B$5,$B$36:$Q$39,$E19,FALSE),4)","v":0.53180000000000005},3]
["Select U.S. Utilities",{"$f":"ROUND(VLOOKUP($B$5,$B$40:$Q$43,$E20,FALSE),4)","v":2.06E-2},3.0200000000000001E-2,0.53410000000000002,4]
["Select High-Yield Dividend ETFs",{"$f":"ROUND(VLOOKUP($B$5,$B$40:$Q$43,$E21,FALSE),4)","v":9.4299999999999995E-2},2.7699999999999999E-2,0.77700000000000002,5]
["Implied Equity Risk Premium",{"$f":"ROUND(VLOOKUP($B$5,$B$40:$Q$43,$E22,FALSE),4)","v":4.9000000000000002E-2},0,0,6]
[]
["Health Insurer's Investment Gain as % of RBC",{"$f":"ROUND(VLOOKUP($B$5,$B$53:$Q$56,$E24,FALSE),4)","v":3.5900000000000001E-2},null,null,15]
[]
[null,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16]
["METRIC","Period","S&P 500","Health Insurers","US Utilities","High-Yield Dividends","Equity Risk Premium","Treasury 3-Mon","Treasury 10-Yr","Treasury 20-Yr","Corporate Aaa","Corporate Baa","Investment Yield","25th Percentile","50th Percentile","75th Percentile","Average"]
["Annualized Return (CAGR)","10-Year",0.10874676232967917,0.16716693707771912,4.9387267286438608E-2,8.6423412392280463E-2]
["Annualized Return (CAGR)","5-Year",0.13341510906767939,0.14042261499919406,2.1259452906571275E-2,9.849053286162035E-2]
["Annualized Return (CAGR)","3-Year",9.7224560419717942E-2,9.1277516915299062E-2,-1.0525293081766196E-2,5.8250231504312744E-2]
["Annualized Return (CAGR)","1-Year",0.32221941354903949,8.3877224437035602E-2,-4.6143840561908567E-2,0.18267562713714036]
["Dividend Yield","10-Year",1.7319777042910278E-2,1.2874398525814562E-2,3.2921825650956783E-2,2.9359639866030823E-2]
["Dividend Yield","5-Year",1.5038591550129477E-2,1.2864074804393359E-2,3.1038555365730785E-2,2.7549582806406472E-2]
["Dividend Yield","3-Year",1.4171198456149378E-2,1.2567268893581719E-2,3.0218165651136723E-2,2.7703699291005787E-2]
["Dividend Yield","1-Year",1.3955102985420041E-2,1.3785325601415535E-2,3.3561758123241144E-2,2.9578293128081051E-2]
["Beta","10-Year",1,0.86524426272244181,0.63030623264612695,0.86973848206138049]
["Beta","5-Year",1,0.84900002864036073,0.73625360987478572,0.87396057523234683]
["Beta","3-Year",0.99999999999999989,0.53179187611095136,0.53411716998302849,0.77702437591648998]
["Beta","1-Year",0.99999999999999989,0.32511855112264126,0.4849653020545312,0.77698847948923]
["Average TTM Return","10-Year",0.1089492168617243,0.1849059162388908,7.2409851246697507E-2,8.611443264452999E-2,5.3348333333333338E-2]
["Average TTM Return","5-Year",0.11679978659028359,0.1195352858103455,6.0816151302768462E-2,9.134174731601058E-2,5.1095000000000008E-2]
["Average TTM Return","3-Year",0.1180988961900222,0.14923722173357315,2.0566367000553289E-2,9.4283828128033889E-2,4.9024999999999992E-2]
["Average TTM Return","1-Year",0.13502914798313911,-5.2374133977025755E-2,-0.11895920076668727,3.5626188874049482E-2,5.1691666666666664E-2]
["Average Yield","10-Year",null,null,null,null,null,1.28325E-2,2.3015833333333333E-2,2.668750000000001E-2,3.6839999999999984E-2,4.611249999999998E-2,1.5365477590839741E-2]
["Average Yield","5-Year",null,null,null,null,null,1.9119999999999995E-2,2.2514999999999997E-2,2.6341666666666673E-2,3.4903333333333342E-2,4.4603333333333335E-2,1.8894004390992852E-2]
["Average Yield","3-Year",null,null,null,null,null,2.3780555555555551E-2,2.7397222222222219E-2,3.138055555555555E-2,3.8625000000000013E-2,4.7747222222222219E-2,1.6766349117241387E-2]
["Average Yield","1-Year",null,null,null,null,null,5.068333333333333E-2,3.9658333333333337E-2,4.2658333333333333E-2,4.8100000000000011E-2,5.8608333333333332E-2,2.0846861562499989E-2]
["Average Yield","6-Month",null,null,null,null,null,5.2816666666666665E-2,4.2966666666666667E-2,4.6125000000000006E-2,5.0966666666666667E-2,6.0700000000000004E-2,"n/a"]
["RBC %","10-Year",null,null,null,null,null,null,null,null,null,null,null,3.3363999999999998,4.2808000000000002,5.8086000000000002,4.5750000000000002]
["RBC %","5-Year",null,null,null,null,null,null,null,null,null,null,null,3.5568,4.5873999999999997,6.2881999999999998,4.9546000000000001]
["RBC %","3-Year",null,null,null,null,null,null,null,null,null,null,null,3.7722000000000002,4.9436999999999998,6.7276999999999996,5.3078000000000003]
["RBC %","1-Year",null,null,null,null,null,null,null,null,null,null,null,3.7484000000000002,4.8129,6.7317999999999998,5.3182999999999998]
["Investment Yield","10-Year",null,null,null,null,null,null,null,null,null,null,null,1.3180000000000001E-2,2.4255555555555555E-2,3.4999999999999996E-2,2.6543243364501552E-2]
["Investment Yield","5-Year",null,null,null,null,null,null,null,null,null,null,null,1.9019999999999999E-2,2.9139999999999999E-2,3.9979999999999995E-2,3.1845302281621725E-2]
["Investment Yield","3-Year",null,null,null,null,null,null,null,null,null,null,null,1.4199999999999999E-2,2.5433333333333336E-2,3.5866666666666665E-2,2.6366863736411117E-2]
["Investment Yield","1-Year",null,null,null,null,null,null,null,null,null,null,null,2.4E-2,3.5400000000000001E-2,4.65E-2,3.5206454571077621E-2]
["Source:",null,"SPY","CI, CVS, CNC, ELV, HUM, UNH; excl. CNC from 10-year due to stock split","NEE, DUK, SO, D, AEP, SRE, EXC, XEL, IDU","SDY, VIG, DVY, SCHD","Aswath Damodaran (NYU Stern)","3-Month Treasury Bill Secondary Market Rate, Percent, Monthly, Not Seasonally Adjusted (TB3MS)","Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity Vintage: 2022-02-01, Percent, Monthly, Not Seasonally Adjusted (DGS10)","Market Yield on U.S. Treasury Securities at 20-Year Constant Maturity Vintage: 2022-02-01, Percent, Monthly, Not Seasonally Adjusted (DGS20)","Moody's Seasoned Aaa Corporate Bond Yield Vintage: 2022-02-01, Percent, Monthly, Not Seasonally Adjusted (AAA)","Moody's Seasoned Baa Corporate Bond Yield Vintage: 2022-02-01, Percent, Monthly, Not Seasonally Adjusted (BAA)","S&P Global NAIC Annual - Net Yield on Invested Assets (%) - KeyField:123253, NET_YLD_INVESTED_ASSETS_ANNUAL - [SNL Highlight Pages] / [Investment Analysis (Annual)] / [Net Yield on Invested Assets]","S&P Global NAIC Annual - Authorized Control Level RBC Ratio - KeyField:123212; S&P Global NAIC Annual - Net Yield on Invested Assets (%) - KeyField:123253 - [SNL Highlight Pages] / [Investment Analysis (Annual)] / [Net Yield on Invested Assets]","S&P Global NAIC Annual - Authorized Control Level RBC Ratio - KeyField:123212; S&P Global NAIC Annual - Net Yield on Invested Assets (%) - KeyField:123253 - [SNL Highlight Pages] / [Investment Analysis (Annual)] / [Net Yield on Invested Assets]","S&P Global NAIC Annual - Authorized Control Level RBC Ratio - KeyField:123212; S&P Global NAIC Annual - Net Yield on Invested Assets (%) - KeyField:123253 - [SNL Highlight Pages] / [Investment Analysis (Annual)] / [Net Yield on Invested Assets]","S&P Global NAIC Annual - Authorized Control Level RBC Ratio - KeyField:123212; S&P Global NAIC Annual - Net Yield on Invested Assets (%) - KeyField:123253 - [SNL Highlight Pages] / [Investment Analysis (Annual)] / [Net Yield on Invested Assets]"]
[]
[]
[]
[]
["Sources: "," Federal Reserve Bank of St. Louis, Economic Research Division. ALFRED (Archival Federal Reserve Economic Data). Internet: https://alfred.stlouisfed.org"]
[null,"Annual Return and Trailing 12-Mon (TTM) Return derived from Daily Close data from Excel's stockhistory() function"]
[null,"Dividends reflects historical dividend payments, from Dividend Investor (Internet: https://www.dividendinvestor.com/dividend-history/)"]
[null,"For \"Equity Risk Premium\" proxy, data reflects  ERP T12m field (replaced with ERP T12m with COVID Adjustment where applicable), from Damodaran Online (Internet: http://people.stern.nyu.edu/adamodar/New_Home_Page/home.htm)"]

{"sheet":"Change Documentation","index":13,"n_rows":23,"n_cols":8,"rows_kept":23,"cut":false,"hidden":true,"merged":[]}
["Date of Change","Version before change","Version after change","Nature of the change ","Tabs and Macros affected","Author of change","Checker of change","Date of checking"]
["2024-02-02","2022-inderwriting-margin-model","2024 UM Model 02-2-24","added Change Documentation Tab","Change Documentation","Tom"]
["2024-02-03","2024 UM Model 02-2-24","2024 UM Model 02-3-24","deleted Premium allocation pie chart from Dashboard","Results Dashboard","Tom"]
["2024-02-03","2024 UM Model 02-2-24","2024 UM Model 02-3-24","Reduced print range of x axis for Distribution of Net Income and Underwriting Margin Chart ","Results Dashboard","Tom"]
["2024-02-03","2024 UM Model 02-2-24","2024 UM Model 02-3-24","Inserted column AE for displaying normal curve on Net Income and Underwriting Margin Chart","Results Dashboard, Net Income Matrix","Tom"]
["2024-02-05","2024 UM Model 02-3-24","2024 UM Model 02-5-24","Updated, all standard devs for curves, added two curves, updated size curve formula","User Parameters, Results Dashboard, Interpretation, Risk Macro","Tom"]
["2024-02-12","2024 UM Model 02-5-24","2024 UM Model 02-12-24","Added Yes/No toggle to Underwriting Margin Curve selection re: inclusion of Pandemic Period data","User Parameters","Mardo","Tom","2024-02-13"]
["2024-02-12","2024 UM Model 02-5-24","2024 UM Model 02-12-24","changed reference to curves with and w/o pandemic period data to \"Drop Downs\" tab","User Parameters, Results Dashboard","Mardo","Tom","2024-02-13"]
["2024-02-13","2024 UM Model 02-12-24","2024 UM Model 02-13-24","added curve standard deviations and size curve formulas from background workbook","Drop Downs","Tom"]
["2024-02-14","2024 UM Model 02-13-24","2024 UM Model 02-14-24","Edited all curves routine in Risk macro","Drop Downs, Risk Macro, Results Dashboard","Tom"]
["2024-02-15","2024 UM Model 02-14-24","2024 UM Model 02-15-24","Added logic to curve selection to direct user to \"Reselect Curve\" when selected curve period and pandemic period inclusion conflict ","User Parameters","Mardo","Tom","2024-02-19"]
["2024-02-15","2024 UM Model 02-14-24","2024 UM Model 02-15-24","Changed the color of the header \"Analysis of Underwriting Margin Curves\" table in the Results Dashboard indicating inclusion or exclusion of pandemic period data so that it stands out from all other information","Results Dashboard","Mardo","Tom","2024-02-19"]
["2024-02-19","2024 UM Model 02-19-24","2024 UM Model 02-15-24","Updated the Tax Rates tab to pull in 2024 state corporate tax rates. Kept the 2021 tax rates in the sheet","Tax Rates","Mardo"]
["2024-02-19","2024 UM Model 02-19-24","2024 UM Model 02-15-24","Updated the line #18 on the User Parameters sheet, setting of the State Corporate Tax Rate to reference the 2024 tax rates in the Tax Rates tab","User Parameters","Mardo"]
["2024-03-18","2024 UM Model 03-12-24","2024 UM Model 03-19-24","Added Estimated Implied Return on RBC reserves, after 3-way call w/Grant & Tom re: showing that MCOs are getting a reasonable ROI on their reserves","Results Dashboard","Mardo"]
["2024-03-21","2024 UM Model 03-19-24","2024 UM Model 03-22-24","Added buttons in the listed tabs for ease of use and navigation purposes","Landing Page, Instructions, Interpretation, User Parameters, Results Dashboard","Mardo"]
["2024-03-25","2024 UM Model 03-22-24","2024 UM Model 03-25-24","cleaned up buttons discussed above; changed ROI calculation on Results Dashboard to measure ROI expressed on the cost of capital only relative to the target RBC","Drop Downs, Landing Page, Instructions, Interpretation, User Parameters, Results Dashboard","Mardo"]
["2024-03-25","2024 UM Model 03-22-24","2024 UM Model 03-25-24","Fixed profit/non-profit standard deviations (they were reversed) for No Pandemic Period option. This was feedback from Bryan.","Drop Downs","Mardo"]
["2024-03-26","2024 UM Model 03-25-24","2024 UM Model 03-26-24","Debugged macro for when workbook is in Locked position - this was a feedback from one of the POG members. I also added logic to unlock and relock the workbook before and after the \"risk\" macro. Noticed that the range names for the curves on the results dashboard were excluding the top row, fixed all \"Dash_Curves_xxxxx\" range names to reference rows 50 to 60 on the results dashboard. Also \"unlocked\" rows 59-60 in case the Lock and unlock procedure in the risk macro is disabled.","Drop Downs, Landing Page, Instructions, Interpretation, User Parameters, Results Dashboard, Risk Macro, Range names beginning with \"Dash_Curves_xxxx\"","Mardo"]
["2024-03-26","2024 UM Model 03-26-24","2024 UM Model 03-26-24","Noticed Aaa & Baa yields on User Parameters were reversed, indicating higher returns for Aaa. Changed the cell references for Aaa and Baa yields in Drop Downs to refer to the appropriate ones in the Cost of Capital Data tab.","Drop Downs","Mardo"]
["2024-03-28","2024 UM Model 03-26-24","2024 UM Model 03-28-24","Per Achilles, updated SOA address on the landing page","Landing Page","Mardo"]
["2024-03-28","2024 UM Model 03-28-24","2024 UM Model 03-28-24","Included a button on Results Dashboard to navigate to Graphs page. Correspondingly, included buttons for Landing Page, User Input, Results Dashboard and Exit on Graphs page","Results Dashboard, Graphs","Mardo"]
["2024-03-28","2024 UM Model 03-28-24","2024 UM Model 03-28-24","Added a save to pdf macro button labeled \"Save Session as a PDF File\" on the Results Dashboard","Results Dashboard","Mardo"]

{"sheet":"Macro Populated Cells","index":14,"n_rows":17,"n_cols":6,"rows_kept":17,"cut":false,"hidden":true,"merged":[[3,1,3,5],[15,1,15,5]]}
["Macro Populated Cells"]
[]
[]
[null,"Underwriting Margin Cells"]
[null,"Underwriting Margin Components"]
[null,"Cost of Capital for:"]
[null,"Target Capital",null,null,1.1247946060459247E-2]
[null,"Withholds Payment Delay",null,null,0]
[null,"Premium Payment Delay",null,null,0]
[null,"Claims Delay",null,null,0]
[null,"Total COC",null,null,null,{"$f":"SUM(E7:E10)","v":1.1247946060459247E-2}]
[null,"Risk Margin",null,null,null,3.301054582498468E-2]
[null,"Total Underwriting Margin",null,null,null,{"$f":"SUM(F11:F12)","v":4.4258491885443924E-2}]
[]
[]
[null,"Initial Curve Storage"]
[null,"Saving the Initial curve",null,"Composite 2016 to 2019 Curve"]