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{"sheet":"Home","index":0,"n_rows":34,"n_cols":31,"rows_kept":34,"cut":false,"hidden":false,"merged":[[22,7,22,8],[23,7,23,8],[25,1,34,9],[0,1,0,2],[0,4,0,5],[5,1,5,2],[6,1,21,10]]}
[null,"Bond Gain Tool \nBuilt by M&G",null,null,null,null,null,null,null,"Tax Year 2026/27"]
[]
[]
[null,"This tool is for UK financial profesionals only. "]
[]
[null,"Important information about this tool"]
[null,"This calculator is designed to give an estimation of the likely chargeable event gain on a full and/or partial withdrawal from an insurance bond. For gains arising on death input as a full surrender using the surrender value immediately before death. \n\nIt is assumed the person liable is a UK resident taxpayer, time apportionment relief does not apply and there has been no previous assignments impacting the gain calculation i.e. transaction related gain calculations (\"s546 calcs\") are not needed.\n\nIt should not be taken as offering advice or any recommendation. You should be satisfied that the information you have entered into the calculator is correct. Every care has been taken as to its accuracy, but it must be appreciated that neither M&G nor its representatives can accept any responsibility for loss, however caused, suffered by any person who has acted or refrained from acting as a result of material contained in this tool. \n\nIn certain circumstances, the tool can show a negative gain arising on a full surrender/death.  There is however no relief under the chargeable event regime for an investment loss and instead this represents a £Nil gain. Deficiency relief may however be available in certain circumstances where there have been previous gains on excess events. For further information please refer to our \"UK investment bonds: taxation facts\" or \"Offshore Bonds Taxation explained\" articles in Pruadviser.\n\nThe information in this tool is based on our current understanding of legislation and HMRC practice as at March 2026 all which is subject to change without notice.\n\nPlease note that this tool will cease to operate at the end of the tax year displayed above. If you require a copy for your records we suggest you print a PDF of the pages required.\n "]
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[null,"Important information about the calculations"]
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[null,"Two methods can be used:\n1. Enter the original amount of segments, premiums and withdrawals from outset and then factor in subsequent segment surrenders, or\n2. Use the current amount of segments with the premium and withdrawal history for those segments from outset.\n\nFor partial surrender calculations, values used are to the end of the policy year on which the calculation date falls. As such, the full amount of withdrawals for the policy year i.e. including withdrawals post the calculation date should be included.\n\nAdviser charging is normally included as a withdrawal.\n\nIn any policy year where there is a surrender of segments you must separately enter the amount of premiums and withdrawals made after the surrender date. \n\nThe calculations are limited to 40 policy years."]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CRIT Relief at Source - GROSS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross RAS Cont",0,null,"Check on Contn:",null,null,"SRIT Relief at Source - GROSS","CRIT Gross RAS Cont 1",0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Exist Gross Cont",{"$f":"J19","v":0},null,"Relief at Source - GROSS","SRIT Gross RAS Cont 1",0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(J19<500000,\"OK\",\"Error, contribution exceeds maximum of £500,000 allowed\")","v":"OK"}]

{"sheet":"Inputs","index":1,"n_rows":50,"n_cols":96,"rows_kept":50,"cut":false,"hidden":false,"merged":[[0,80,0,86],[34,1,34,3],[1,1,1,4],[17,1,17,2],[6,7,6,9],[11,1,11,2],[12,1,13,2],[12,3,13,3],[5,13,5,18],[21,1,21,4],[5,1,6,2],[47,1,50,5],[38,1,38,4],[29,1,29,4],[5,3,5,9],[19,1,19,2],[18,1,18,2],[15,1,15,2]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Suicide Code",null,null,null,null,null,null,null,null,"Final Policy Year Stuff"]
[null,"Bond Gain Tool \nBuilt by M&G",null,null,null,null,null,null,null,null,null,"Inputs",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Final Policy Year",null,null,null,null,null,{"$f":"Workings!F50","v":{"$error":"#VALUE!"}},null,"Final Policy year w/d"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year With Last Excess",null,null,null,null,null,{"$f":"Workings!S50","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,"year end factor",null,{"$f":"SUM(CK11:CK50)","v":{"$error":"#VALUE!"}}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Could Final year Rule Apply?",null,null,null,null,null,{"$f":"IF(CI2-CI3<=1,\"Yes\",\"No\")","v":{"$error":"#VALUE!"}},null,null,null,null,"Withdrawal adjustment final year"]
[null,"Please navigate between inputs and outputs using Tabs below\n\nHover over the red tags beside fields for further information.",null,"If you need to account for segment surrenders from outset click EXPAND. Click RESET to startover",null,null,null,null,null,null,null,null,null,"Please input values of premiums paid and withdrawals taken over the policy year, in order,  between segment surrender events and prior to the calculation date.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2026-05-15"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(CJ11:CJ50)*CR3","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,null,"Policy year",null,null,"Segments Surrendered?","Premiums","Partial Withdrawals (include applicable adviser charges)","Surrender 1\n(segment number)","Premiums paid","Partial Withdrawals (include applicable adviser charges)","Surrender 2\n(segment number)","Premiums paid","Partial Withdrawals (include applicable adviser charges)","Segments\nremaining","Cum Premium (in year)","Premium per segment","5% Per segment",1,{"$f":"X7+1","v":2},{"$f":"Y7+1","v":3},4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,null,"Segments\nsurrendered",null,"Factor",null,null,"Logic for blanking",{"$f":"VLOOKUP(\"Yes\",K11:K49,1,FALSE)","v":{"$error":"#N/A"}},"2027-04-05",null,null,null,null,null,null,null,null,"Final year","Tax Month","TYS","Date For TYE check","Is prev poilcy year end before or after?","Date surrende must be done by for FPY","Calc date before TYE?","Gain Adjustment Adjustment"]
[]
[null,null,{"$f":"DAY(D10)","v":0},{"$f":"MONTH(D10)","v":1},{"$f":"YEAR(D10)","v":1900},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AND(BT6>BT7)","v":false}]
[null,"Policy start"]
[null,null,null,null,null,null,null,1,{"$f":"Workings!G9","v":""},{"$f":"Workings!H9","v":"1900-12-30"},{"$f":"IF(N11+Q11>0,\"Yes\",\"No\")","v":"No"},null,null,null,null,null,null,null,null,{"$f":"D16-BM11","v":0},{"$f":"'In year surrender summary'!AJ6","v":0},{"$f":"IF(T11=0,0,U11/T11)","v":0},{"$f":"V11*5%","v":0},{"$f":"$W$11*T11","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(X11:BK11)","v":0},{"$f":"'In year surrender summary'!AB6","v":0},null,{"$f":"T11/D16","v":{"$error":"#DIV/0!"}},null,{"$f":"AND($D$18>I11)","v":false},{"$f":"IF($D$18>I11,\"True\",\"False\")","v":"False"}]
[null,"Policy Type (Onshore/Offshore)",null,null,null,null,null,2,{"$f":"Workings!G10","v":"1900-12-31"},{"$f":"Workings!H10","v":"1901-12-30"},{"$f":"IF(N12+Q12>0,\"Yes\",\"No\")","v":"No"},null,null,null,null,null,null,null,null,{"$f":"T11-BM12","v":0},{"$f":"'In year surrender summary'!AH7","v":0},0,{"$f":"V12*5%","v":0},0,{"$f":"$W$12*T12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(X12:BK12)","v":0},{"$f":"'In year surrender summary'!AB7","v":0},null,{"$f":"T12/T11","v":{"$error":"#DIV/0!"}},null,false,"False",null,null,null,null,null,"Is bond offshore?",{"$f":"IF(D12=\"Offshore Bond\",1,0)","v":0},null,null,null,{"$f":"IF(AND(H12=$CI$2,$CI$5=\"Yes\"),YEAR(J11),0)","v":{"$error":"#VALUE!"}},{"$f":"IF(CC12>0,4,\"\")","v":{"$error":"#VALUE!"}},{"$f":"IF(CC12>0,6,\"\")","v":{"$error":"#VALUE!"}},{"$f":"IF(CC12>0,DATE(CC12,CD12,CE12),0)","v":{"$error":"#VALUE!"}},{"$f":"IF(J11<CF12,1,0)","v":{"$error":"#VALUE!"}},{"$f":"IF(CG12=1,CF12,DATE(YEAR(CF12)+1,MONTH(CF12),DAY(CF12)))","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(CC12>0,$D$18<CH12),1,\"\")","v":{"$error":"#VALUE!"}},{"$f":"IF(CI12=1,Workings!P9*BO11,0)","v":{"$error":"#VALUE!"}},{"$f":"IF(CI12=1,BO12,\"\")","v":{"$error":"#VALUE!"}}]
[null,"Policy varied on or after 6/4/13? (see notes)",null,null,null,null,null,3,{"$f":"Workings!G11","v":"1901-12-31"},{"$f":"Workings!H11","v":"1902-12-30"},"No",null,null,null,null,null,null,null,null,{"$f":"T12-BM13","v":0},{"$f":"'In year surrender summary'!AH8","v":0},0,0,0,0,{"$f":"$W$13*T13","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB8","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,"Prior to 06/04/13",{"$f":"IF(BZ13>Workings!G9,1,0)","v":0},"2013-04-06",null,null,{"$error":"#VALUE!"},{"$f":"IF(CC13>0,4,\"\")","v":{"$error":"#VALUE!"}},{"$f":"IF(CC13>0,6,\"\")","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"IF(J12<CF13,1,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI13=1,Workings!P10*BO12,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,4,{"$f":"Workings!G12","v":"1902-12-31"},{"$f":"Workings!H12","v":"1903-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH9","v":0},0,0,0,0,0,{"$f":"$W$14*T14","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB9","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,{"$f":"BY12+BY13","v":0},null,null,null,{"$error":"#VALUE!"},{"$f":"IF(CC14>0,4,\"\")","v":{"$error":"#VALUE!"}},{"$f":"IF(CC14>0,6,\"\")","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"IF(J13<CF14,1,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI14=1,Workings!P11*BO13,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,5,{"$f":"Workings!G13","v":"1903-12-31"},{"$f":"Workings!H13","v":"1904-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH10","v":0},0,0,0,0,0,0,{"$f":"$W$15*T15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(X15:BK15)","v":0},{"$f":"'In year surrender summary'!AB10","v":0},null,{"$error":"#DIV/0!"},null,{"$f":"AND($D$18>I15)","v":false},"False",null,null,null,null,null,"Varied Since?",{"$f":"IF(D13=\"No\",1,0)","v":0},null,null,null,{"$error":"#VALUE!"},{"$f":"IF(CC15>0,4,\"\")","v":{"$error":"#VALUE!"}},{"$f":"IF(CC15>0,6,\"\")","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"IF(J14<CF15,1,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI15=1,Workings!P12*BO14,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Initial Segments",null,null,{"$f":"IF(D16>0,1,0)","v":0},null,null,6,{"$f":"Workings!G14","v":"1904-12-31"},{"$f":"Workings!H14","v":"1905-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH11","v":0},0,0,0,0,0,0,0,{"$f":"$W$16*T16","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(X16:BK16)","v":0},{"$f":"'In year surrender summary'!AB11","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,{"$f":"BY14+BY15","v":0},null,null,null,{"$error":"#VALUE!"},{"$f":"IF(CC16>0,4,\"\")","v":{"$error":"#VALUE!"}},{"$f":"IF(CC16>0,6,\"\")","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"IF(J15<CF16,1,0)","v":{"$error":"#VALUE!"}},{"$f":"IF(CG16=1,CF16,DATE(YEAR(CF16)+1,MONTH(CF16),DAY(CF16)))","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"IF(CI16=1,Workings!P13*BO15,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,7,{"$f":"Workings!G15","v":"1905-12-31"},{"$f":"Workings!H15","v":"1906-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH12","v":0},0,0,0,0,0,0,0,0,{"$f":"$W$17*T17","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB12","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,"Date of calc",null,null,null,null,{"$error":"#VALUE!"},{"$f":"IF(CC17>0,4,\"\")","v":{"$error":"#VALUE!"}},{"$f":"IF(CC17>0,6,\"\")","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"IF(J16<=CF17,1,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI17=1,Workings!P14*BO16,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Calculation Date",null,null,{"$f":"IF(D18>0,1,0)","v":0},null,null,8,{"$f":"Workings!G16","v":"1906-12-31"},{"$f":"Workings!H16","v":"1907-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH13","v":0},0,0,0,0,0,0,0,0,0,{"$f":"$W$18*T18","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB13","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,"Need to check if we allow before 2013",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CC18>0,DATE(CC18,CD18,CE18),0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI18=1,Workings!P15*BO17,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Current Surrender Value",null,null,{"$f":"IF(D19>0,1,0)","v":0},null,null,9,{"$f":"Workings!G17","v":"1907-12-31"},{"$f":"Workings!H17","v":"1908-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH14","v":0},0,0,0,0,0,0,0,0,0,0,{"$f":"$W$19*T19","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB14","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CC19>0,DATE(CC19,CD19,CE19),0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI19=1,Workings!P16*BO18,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Segments at calculation date",null,{"$f":"T50","v":0},{"$f":"SUM(E16:E19)","v":0},{"$f":"E20","v":0},null,10,{"$f":"Workings!G18","v":"1908-12-31"},{"$f":"Workings!H18","v":"1909-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH15","v":0},0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$20*T20","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB15","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI20=1,Workings!P17*BO19,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,11,{"$f":"Workings!G19","v":"1909-12-31"},{"$f":"Workings!H19","v":"1910-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH16","v":0},0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$21*T21","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB16","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,{"$f":"I11","v":""},40,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI21=1,Workings!P18*BO20,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Full Surrender Values",null,null,null,null,null,12,{"$f":"Workings!G20","v":"1910-12-31"},{"$f":"Workings!H20","v":"1911-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH17","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$22*T22","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB17","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,{"$f":"DATE(YEAR(BY21)+BZ21,MONTH(BY21),(DAY(BY21)-1))","v":{"$error":"#VALUE!"}},1,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI22=1,Workings!P19*BO21,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,13,{"$f":"Workings!G21","v":"1911-12-31"},{"$f":"Workings!H21","v":"1912-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH18","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$23*T23","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB18","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,{"$f":"BY21+BZ22","v":{"$error":"#VALUE!"}},null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI23=1,Workings!P20*BO22,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Segments",{"$f":"Summary!C11","v":0},{"$f":"Summary!D11","v":1},null,null,null,14,{"$f":"Workings!G22","v":"1912-12-31"},{"$f":"Workings!H22","v":"1913-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH19","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$24*T24","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB19","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI24=1,Workings!P21*BO23,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Surrender Value",{"$f":"Summary!C13","v":0},{"$f":"Summary!D13","v":""},null,null,null,15,{"$f":"Workings!G23","v":"1913-12-31"},{"$f":"Workings!H23","v":"1914-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH20","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$25*T25","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB20","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI25=1,Workings!P22*BO24,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Gain",{"$f":"IF(D19<=0,\"\",Summary!C20)","v":""},{"$f":"IF(D19<=0,\"\",Summary!D20)","v":""},null,null,null,16,{"$f":"Workings!G24","v":"1914-12-31"},{"$f":"Workings!H24","v":"1915-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH21","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$26*T26","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB21","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI26=1,Workings!P23*BO25,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"\"N\"",{"$f":"IF(D19<=0,\"\",Summary!D40)","v":""},{"$f":"C27","v":""},null,null,null,17,{"$f":"Workings!G25","v":"1915-12-31"},{"$f":"Workings!H25","v":"1916-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH22","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$27*T27","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB22","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI27=1,Workings!P24*BO26,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Slice",{"$f":"IF(D19<=0,\"\",Summary!C22)","v":""},{"$f":"IF(D19<=0,\"\",Summary!D22)","v":""},null,null,null,18,{"$f":"Workings!G26","v":"1916-12-31"},{"$f":"Workings!H26","v":"1917-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH23","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$28*T28","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB23","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI28=1,Workings!P25*BO27,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,19,{"$f":"Workings!G27","v":"1917-12-31"},{"$f":"Workings!H27","v":"1918-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH24","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$29*T29","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB24","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI29=1,Workings!P26*BO28,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Proposed Withdrawal",null,null,null,null,null,20,{"$f":"Workings!G28","v":"1918-12-31"},{"$f":"Workings!H28","v":"1919-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH25","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$30*T30","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB25","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI30=1,Workings!P27*BO29,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,"(NOT required for full surrender of all segments)",null,null,null,null,21,{"$f":"Workings!G29","v":"1919-12-31"},{"$f":"Workings!H29","v":"1920-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH26","v":0},0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$31*T31","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB26","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI31=1,Workings!P28*BO30,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Amount required",null,null,null,null,null,22,{"$f":"Workings!G30","v":"1920-12-31"},{"$f":"Workings!H30","v":"1921-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH27","v":0},0,0,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$32*T32","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB27","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI32=1,Workings!P29*BO31,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Full segment surrender",null,{"$f":"IF(E20=3,Summary!D29,\"\")","v":""},null,null,null,23,{"$f":"Workings!G31","v":"1921-12-31"},{"$f":"Workings!H31","v":"1922-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH28","v":0},0,0,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$33*T33","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB28","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CC33>0,DATE(CC33,CD33,CE33),0)","v":{"$error":"#VALUE!"}},{"$f":"IF(J32<=CF33,1,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI33=1,Workings!P30*BO32,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Partial surrender ",null,{"$f":"IF(E20=3,D32-D33,\"\")","v":""},null,null,null,24,{"$f":"Workings!G32","v":"1922-12-31"},{"$f":"Workings!H32","v":"1923-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH29","v":0},0,0,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$34*T34","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB29","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CC34>0,DATE(CC34,CD34,CE34),0)","v":{"$error":"#VALUE!"}},{"$f":"IF(J33<=CF34,1,0)","v":{"$error":"#VALUE!"}},{"$f":"IF(CG34=1,CF34,DATE(YEAR(CF34)+1,MONTH(CF34),DAY(CF34)))","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"IF(CI34=1,Workings!P31*BO33,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,{"$f":"IF(D34<0,\"Segment surrender value is greater than withdrawal required\",\"\")","v":""},null,null,null,null,null,25,{"$f":"Workings!G33","v":"1923-12-31"},{"$f":"Workings!H33","v":"1924-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH30","v":0},0,0,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$35*T35","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB30","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(J34<=CF35,1,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI35=1,Workings!P32*BO34,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Segments to get close",{"$f":"IF(E20=3,MAX(0,D36),\"\")","v":""},{"$f":"ROUNDDOWN((D32/D25),0)","v":{"$error":"#VALUE!"}},null,null,null,26,{"$f":"Workings!G34","v":"1924-12-31"},{"$f":"Workings!H34","v":"1925-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH31","v":0},0,0,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$36*T36","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB31","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI36=1,Workings!P33*BO35,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,27,{"$f":"Workings!G35","v":"1925-12-31"},{"$f":"Workings!H35","v":"1926-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH32","v":0},0,0,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$37*T37","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB32","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI37=1,Workings!P34*BO36,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,28,{"$f":"Workings!G36","v":"1926-12-31"},{"$f":"Workings!H36","v":"1927-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH33","v":0},0,0,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$38*T38","v":0},null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB33","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI38=1,Workings!P35*BO37,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Gains after proposed withdrawal",null,null,null,null,null,29,{"$f":"Workings!G37","v":"1927-12-31"},{"$f":"Workings!H37","v":"1928-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH34","v":0},0,0,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$39*T39","v":0},null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB34","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI39=1,Workings!P36*BO38,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,30,{"$f":"Workings!G38","v":"1928-12-31"},{"$f":"Workings!H38","v":"1929-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH35","v":0},0,0,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$40*T40","v":0},null,null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB35","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI40=1,Workings!P37*BO39,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,"Full Segments","Partial",null,null,null,31,{"$f":"Workings!G39","v":"1929-12-31"},{"$f":"Workings!H39","v":"1930-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH36","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$41*T41","v":0},null,null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB36","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI41=1,Workings!P38*BO40,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Gain",{"$f":"IF(D19<=0,0,Summary!D37)","v":0},{"$f":"IF(D19<=0,0,Summary!G37)","v":0},null,null,null,32,{"$f":"Workings!G40","v":"1930-12-31"},{"$f":"Workings!H40","v":"1931-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH37","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$42*T42","v":0},null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB37","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI42=1,Workings!P39*BO41,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"\"N\"",{"$f":"IF(D19<=0,\"\",Summary!D40)","v":""},{"$f":"IF(D19<=0,\"\",Summary!G39)","v":""},"Yes",null,null,33,{"$f":"Workings!G41","v":"1931-12-31"},{"$f":"Workings!H41","v":"1932-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH38","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$43*T43","v":0},null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB38","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI43=1,Workings!P40*BO42,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Slice",{"$f":"IF(D19<=0,\"\",C42/C43)","v":""},{"$f":"IF(D42=0,\"\",IF(D43=0,D42,D42/D43))","v":""},"No",null,null,34,{"$f":"Workings!G42","v":"1932-12-31"},{"$f":"Workings!H42","v":"1933-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH39","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$44*T44","v":0},null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB39","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI44=1,Workings!P41*BO43,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Tax year assessed",{"$f":"IF(D19<=0,\"\",Summary!D42)","v":""},{"$f":"IF(D19<=0,\"\",Summary!G42)","v":""},null,null,null,35,{"$f":"Workings!G43","v":"1933-12-31"},{"$f":"Workings!H43","v":"1934-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH40","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$45*T45","v":0},null,null,null,null,null,0,{"$f":"'In year surrender summary'!AB40","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI45=1,Workings!P42*BO44,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,36,{"$f":"Workings!G44","v":"1934-12-31"},{"$f":"Workings!H44","v":"1935-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH41","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$46*T46","v":0},null,null,null,null,0,{"$f":"'In year surrender summary'!AB41","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI46=1,Workings!P43*BO45,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,37,{"$f":"Workings!G45","v":"1935-12-31"},{"$f":"Workings!H45","v":"1936-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH42","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$46*T47","v":0},{"$f":"$W$47*T47","v":0},null,null,null,0,{"$f":"'In year surrender summary'!AB42","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI47=1,Workings!P44*BO46,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,"Important Information\nBefore using this tool you should read the Important information about this tool and Important information about the calculations included on the \"Home\" tab.\n",null,null,null,null,null,38,{"$f":"Workings!G46","v":"1936-12-31"},{"$f":"Workings!H46","v":"1937-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH43","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$46*T48","v":0},{"$f":"$W$47*T48","v":0},{"$f":"$W$48*T48","v":0},null,null,0,{"$f":"'In year surrender summary'!AB43","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI48=1,Workings!P45*BO47,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,39,{"$f":"Workings!G47","v":"1937-12-31"},{"$f":"Workings!H47","v":"1938-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH44","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$46*T49","v":0},{"$f":"$W$47*T49","v":0},{"$f":"$W$48*T49","v":0},{"$f":"$W$49*T49","v":0},null,0,{"$f":"'In year surrender summary'!AB44","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI49=1,Workings!P46*BO48,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,40,{"$f":"Workings!G48","v":"1938-12-31"},{"$f":"Workings!H48","v":"1939-12-30"},"No",null,null,null,null,null,null,null,null,0,{"$f":"'In year surrender summary'!AH45","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"$W$46*T50","v":0},{"$f":"$W$47*T50","v":0},{"$f":"$W$48*T50","v":0},{"$f":"$W$49*T50","v":0},{"$f":"$W$50*T50","v":0},0,{"$f":"'In year surrender summary'!AB45","v":0},null,{"$error":"#DIV/0!"},null,false,"False",null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"IF(CI50=1,Workings!P47*BO49,0)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]

{"sheet":"In year surrender summary","index":2,"n_rows":46,"n_cols":37,"rows_kept":46,"cut":false,"hidden":true,"merged":[[1,1,1,11],[3,33,3,34],[4,1,4,2],[3,4,3,26],[3,29,3,31]]}
[]
[null,"Chargeable Gain Modelling Inputs for in year surrenders"]
[]
[null,null,null,null,"Please input values of premiums paid and withdrawals taken over the policy year, in order,between surrender events and prior to the calculation date.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"End of year segment values",null,null,null,"Values for calcs",null,"Cum Values for workings"]
[null,{"$f":"Inputs!H7","v":"Policy year"},null,"Segments at\n start of year","Premiums paid","Withdrawals","Surrender 1\n(segment number)","Segs remaining","Seg Fac 1","Pre x seg Fac","W'dwl x seg fac","Premiums paid","Withdrawals","Surrender 2\n(segment number)","Segs remianing","Seg Fac 2","Pre xseg Fac","W'dwl x seg fac","Premiums paid","Withdrawals","Surrender 3\n(segment number)","Segs Remaining","Seg Fac 3","Pre xseg Fac","W'dwl x seg fac","Premiums paid","Withdrawals","Segs surr in year","Yr end seg factor","Number \nremaining","Premium","Withdrawals",null,"Premium","Withdrawals","Premium","Withdrawals"]
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[null,{"$f":"Inputs!BR33","v":"False"},0,1,1922,23,"1921-12-31","1922-12-30",{"$f":"'In year surrender summary'!AJ28","v":0},{"$f":"Inputs!BL33","v":0},{"$f":"'In year surrender summary'!AI28","v":0},{"$f":"'In year surrender summary'!AK28","v":0},0,0,0,0,0,23,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC28","v":0},{"$f":"'In year surrender summary'!AD28","v":0}]
[null,{"$f":"Inputs!BR34","v":"False"},0,1,1923,24,"1922-12-31","1923-12-30",{"$f":"'In year surrender summary'!AJ29","v":0},{"$f":"Inputs!BL34","v":0},{"$f":"'In year surrender summary'!AI29","v":0},{"$f":"'In year surrender summary'!AK29","v":0},0,0,0,0,0,24,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC29","v":0},{"$f":"'In year surrender summary'!AD29","v":0}]
[null,{"$f":"Inputs!BR35","v":"False"},0,1,1924,25,"1923-12-31","1924-12-30",{"$f":"'In year surrender summary'!AJ30","v":0},{"$f":"Inputs!BL35","v":0},{"$f":"'In year surrender summary'!AI30","v":0},{"$f":"'In year surrender summary'!AK30","v":0},0,0,0,0,0,25,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC30","v":0},{"$f":"'In year surrender summary'!AD30","v":0}]
[null,{"$f":"Inputs!BR36","v":"False"},0,1,1925,26,"1924-12-31","1925-12-30",{"$f":"'In year surrender summary'!AJ31","v":0},{"$f":"Inputs!BL36","v":0},{"$f":"'In year surrender summary'!AI31","v":0},{"$f":"'In year surrender summary'!AK31","v":0},0,0,0,0,0,26,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC31","v":0},{"$f":"'In year surrender summary'!AD31","v":0}]
[null,{"$f":"Inputs!BR37","v":"False"},0,1,1926,27,"1925-12-31","1926-12-30",{"$f":"'In year surrender summary'!AJ32","v":0},{"$f":"Inputs!BL37","v":0},{"$f":"'In year surrender summary'!AI32","v":0},{"$f":"'In year surrender summary'!AK32","v":0},0,0,0,0,0,27,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC32","v":0},{"$f":"'In year surrender summary'!AD32","v":0}]
[null,{"$f":"Inputs!BR38","v":"False"},0,1,1927,28,"1926-12-31","1927-12-30",{"$f":"'In year surrender summary'!AJ33","v":0},{"$f":"Inputs!BL38","v":0},{"$f":"'In year surrender summary'!AI33","v":0},{"$f":"'In year surrender summary'!AK33","v":0},0,0,0,0,0,28,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC33","v":0},{"$f":"'In year surrender summary'!AD33","v":0}]
[null,{"$f":"Inputs!BR39","v":"False"},{"$f":"C36","v":0},{"$f":"D36","v":1},{"$f":"E36+1","v":1928},{"$f":"F36+1","v":29},"1927-12-31","1928-12-30",{"$f":"'In year surrender summary'!AJ34","v":0},{"$f":"Inputs!BL39","v":0},{"$f":"'In year surrender summary'!AI34","v":0},{"$f":"'In year surrender summary'!AK34","v":0},0,0,0,0,0,{"$f":"R36+1","v":29},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC34","v":0},{"$f":"'In year surrender summary'!AD34","v":0}]
[null,{"$f":"Inputs!BR40","v":"False"},0,1,1929,30,"1928-12-31","1929-12-30",{"$f":"'In year surrender summary'!AJ35","v":0},{"$f":"Inputs!BL40","v":0},{"$f":"'In year surrender summary'!AI35","v":0},{"$f":"'In year surrender summary'!AK35","v":0},0,0,0,0,0,30,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC35","v":0},{"$f":"'In year surrender summary'!AD35","v":0}]
[null,{"$f":"Inputs!BR41","v":"False"},0,1,1930,31,"1929-12-31","1930-12-30",{"$f":"'In year surrender summary'!AJ36","v":0},{"$f":"Inputs!BL41","v":0},{"$f":"'In year surrender summary'!AI36","v":0},{"$f":"'In year surrender summary'!AK36","v":0},0,0,0,0,0,31,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC36","v":0},{"$f":"'In year surrender summary'!AD36","v":0}]
[null,{"$f":"Inputs!BR42","v":"False"},0,1,1931,32,"1930-12-31","1931-12-30",{"$f":"'In year surrender summary'!AJ37","v":0},{"$f":"Inputs!BL42","v":0},{"$f":"'In year surrender summary'!AI37","v":0},{"$f":"'In year surrender summary'!AK37","v":0},0,0,0,0,0,32,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC37","v":0},{"$f":"'In year surrender summary'!AD37","v":0}]
[null,{"$f":"Inputs!BR43","v":"False"},0,1,1932,33,"1931-12-31","1932-12-30",{"$f":"'In year surrender summary'!AJ38","v":0},{"$f":"Inputs!BL43","v":0},{"$f":"'In year surrender summary'!AI38","v":0},{"$f":"'In year surrender summary'!AK38","v":0},0,0,0,0,0,33,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC38","v":0},{"$f":"'In year surrender summary'!AD38","v":0}]
[null,{"$f":"Inputs!BR44","v":"False"},0,1,1933,34,"1932-12-31","1933-12-30",{"$f":"'In year surrender summary'!AJ39","v":0},{"$f":"Inputs!BL44","v":0},{"$f":"'In year surrender summary'!AI39","v":0},{"$f":"'In year surrender summary'!AK39","v":0},0,0,0,0,0,34,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC39","v":0},{"$f":"'In year surrender summary'!AD39","v":0}]
[null,{"$f":"Inputs!BR45","v":"False"},{"$f":"C42","v":0},1,{"$f":"E42+1","v":1934},35,"1933-12-31","1934-12-30",{"$f":"'In year surrender summary'!AJ40","v":0},{"$f":"Inputs!BL45","v":0},{"$f":"'In year surrender summary'!AI40","v":0},{"$f":"'In year surrender summary'!AK40","v":0},0,0,0,0,0,35,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC40","v":0},{"$f":"'In year surrender summary'!AD40","v":0}]
[null,{"$f":"Inputs!BR46","v":"False"},0,1,1935,36,"1934-12-31","1935-12-30",{"$f":"'In year surrender summary'!AJ41","v":0},{"$f":"Inputs!BL46","v":0},{"$f":"'In year surrender summary'!AI41","v":0},{"$f":"'In year surrender summary'!AK41","v":0},0,0,0,0,0,36,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC41","v":0},{"$f":"'In year surrender summary'!AD41","v":0}]
[null,{"$f":"Inputs!BR47","v":"False"},0,1,1936,37,"1935-12-31","1936-12-30",{"$f":"'In year surrender summary'!AJ42","v":0},{"$f":"Inputs!BL47","v":0},{"$f":"'In year surrender summary'!AI42","v":0},{"$f":"'In year surrender summary'!AK42","v":0},0,0,0,0,0,37,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC42","v":0},{"$f":"'In year surrender summary'!AD42","v":0}]
[null,{"$f":"Inputs!BR48","v":"False"},0,1,1937,38,"1936-12-31","1937-12-30",{"$f":"'In year surrender summary'!AJ43","v":0},{"$f":"Inputs!BL48","v":0},{"$f":"'In year surrender summary'!AI43","v":0},{"$f":"'In year surrender summary'!AK43","v":0},0,0,0,0,0,38,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC43","v":0},{"$f":"'In year surrender summary'!AD43","v":0}]
[null,{"$f":"Inputs!BR49","v":"False"},0,1,1938,39,"1937-12-31","1938-12-30",{"$f":"'In year surrender summary'!AJ44","v":0},{"$f":"Inputs!BL49","v":0},{"$f":"'In year surrender summary'!AI44","v":0},{"$f":"'In year surrender summary'!AK44","v":0},0,0,0,0,0,39,{"$f":"IF(R47=$F$50,\"\",IF(P47>0,R47,\"\"))","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC44","v":0},{"$f":"'In year surrender summary'!AD44","v":0}]
[null,{"$f":"Inputs!BR50","v":"False"},0,1,1939,40,"1938-12-31","1939-12-30",{"$f":"'In year surrender summary'!AJ45","v":0},{"$f":"Inputs!BL50","v":0},{"$f":"'In year surrender summary'!AI45","v":0},{"$f":"'In year surrender summary'!AK45","v":0},0,0,0,0,0,40,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"'In year surrender summary'!AC45","v":0},{"$f":"'In year surrender summary'!AD45","v":0}]
[null,{"$f":"Inputs!BR51","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(T9:T48)","v":{"$error":"#VALUE!"}},{"$f":"SUM(U9:U48)","v":{"$error":"#VALUE!"}}]
[null,null,null,"Calc date",{"$f":"Inputs!D18","v":"00:00:00"},{"$f":"ROUNDUP(YEARFRAC(G9,E50,0),0)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,"Last excess event year",{"$f":"MAX(S9:S48)","v":{"$error":"#VALUE!"}}]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Q22-P22","v":0}]

{"sheet":"IYS summary (printer friendly)","index":5,"n_rows":45,"n_cols":37,"rows_kept":45,"cut":false,"hidden":true,"merged":[[1,1,1,11],[3,4,3,26],[3,29,3,31],[3,33,3,34],[4,1,4,2]]}
[]
[null,"Chargeable Gain Modelling Inputs for in year surrenders"]
[]
[null,null,null,null,"Please input values of premiums paid and withdrawals taken over the policy year and between surrender events prior to the calculation date.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"End of year segment values",null,null,null,"Values for calcs",null,"Cum Values for workings"]
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[null,"Segments",null,{"$f":"Inputs!D16","v":0},null,6,null,{"$f":"Inputs!I16","v":"1904-12-31"},{"$f":"Inputs!J16","v":"1905-12-30"},{"$f":"Inputs!K16","v":"No"},{"$f":"Inputs!L16","v":0},{"$f":"Inputs!M16","v":0},{"$f":"Inputs!N16","v":0},{"$f":"Inputs!O16","v":0},{"$f":"Inputs!P16","v":0},{"$f":"Inputs!Q16","v":0},{"$f":"Inputs!R16","v":0},{"$f":"Inputs!S16","v":0},{"$f":"Inputs!T16","v":0}]
[null,"Calculation Date",null,{"$f":"Inputs!D18","v":"00:00:00"},null,7,null,{"$f":"Inputs!I17","v":"1905-12-31"},{"$f":"Inputs!J17","v":"1906-12-30"},{"$f":"Inputs!K17","v":"No"},{"$f":"Inputs!L17","v":0},{"$f":"Inputs!M17","v":0},{"$f":"Inputs!N17","v":0},{"$f":"Inputs!O17","v":0},{"$f":"Inputs!P17","v":0},{"$f":"Inputs!Q17","v":0},{"$f":"Inputs!R17","v":0},{"$f":"Inputs!S17","v":0},{"$f":"Inputs!T17","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Please input values of premiums paid and withdrawals taken over the policy year, in order,  between surrender events and prior to the calculation date."]
[null,"Current Surrender Value",null,{"$f":"Inputs!D19","v":0},null,8,null,{"$f":"Inputs!I18","v":"1906-12-31"},{"$f":"Inputs!J18","v":"1907-12-30"},{"$f":"Inputs!K18","v":"No"},{"$f":"Inputs!L18","v":0},{"$f":"Inputs!M18","v":0},{"$f":"Inputs!N18","v":0},{"$f":"Inputs!O18","v":0},{"$f":"Inputs!P18","v":0},{"$f":"Inputs!Q18","v":0},{"$f":"Inputs!R18","v":0},{"$f":"Inputs!S18","v":0},{"$f":"Inputs!T18","v":0}]
[null,"Current Segments",null,{"$f":"Inputs!D20","v":0},null,9,null,{"$f":"Inputs!I19","v":"1907-12-31"},{"$f":"Inputs!J19","v":"1908-12-30"},{"$f":"Inputs!K19","v":"No"},{"$f":"Inputs!L19","v":0},{"$f":"Inputs!M19","v":0},{"$f":"Inputs!N19","v":0},{"$f":"Inputs!O19","v":0},{"$f":"Inputs!P19","v":0},{"$f":"Inputs!Q19","v":0},{"$f":"Inputs!R19","v":0},{"$f":"Inputs!S19","v":0},{"$f":"Inputs!T19","v":0}]
[null,null,null,null,null,10,null,{"$f":"Inputs!I20","v":"1908-12-31"},{"$f":"Inputs!J20","v":"1909-12-30"},{"$f":"Inputs!K20","v":"No"},{"$f":"Inputs!L20","v":0},{"$f":"Inputs!M20","v":0},{"$f":"Inputs!N20","v":0},{"$f":"Inputs!O20","v":0},{"$f":"Inputs!P20","v":0},{"$f":"Inputs!Q20","v":0},{"$f":"Inputs!R20","v":0},{"$f":"Inputs!S20","v":0},{"$f":"Inputs!T20","v":0}]
[null,"Before Withdrawal",null,null,null,11,null,{"$f":"Inputs!I21","v":"1909-12-31"},{"$f":"Inputs!J21","v":"1910-12-30"},{"$f":"Inputs!K21","v":"No"},{"$f":"Inputs!L21","v":0},{"$f":"Inputs!M21","v":0},{"$f":"Inputs!N21","v":0},{"$f":"Inputs!O21","v":0},{"$f":"Inputs!P21","v":0},{"$f":"Inputs!Q21","v":0},{"$f":"Inputs!R21","v":0},{"$f":"Inputs!S21","v":0},{"$f":"Inputs!T21","v":0}]
[null,null,null,null,null,12,null,{"$f":"Inputs!I22","v":"1910-12-31"},{"$f":"Inputs!J22","v":"1911-12-30"},{"$f":"Inputs!K22","v":"No"},{"$f":"Inputs!L22","v":0},{"$f":"Inputs!M22","v":0},{"$f":"Inputs!N22","v":0},{"$f":"Inputs!O22","v":0},{"$f":"Inputs!P22","v":0},{"$f":"Inputs!Q22","v":0},{"$f":"Inputs!R22","v":0},{"$f":"Inputs!S22","v":0},{"$f":"Inputs!T22","v":0}]
[null,"Segments",{"$f":"Inputs!C24","v":0},{"$f":"Inputs!D24","v":1},null,13,null,{"$f":"Inputs!I23","v":"1911-12-31"},{"$f":"Inputs!J23","v":"1912-12-30"},{"$f":"Inputs!K23","v":"No"},{"$f":"Inputs!L23","v":0},{"$f":"Inputs!M23","v":0},{"$f":"Inputs!N23","v":0},{"$f":"Inputs!O23","v":0},{"$f":"Inputs!P23","v":0},{"$f":"Inputs!Q23","v":0},{"$f":"Inputs!R23","v":0},{"$f":"Inputs!S23","v":0},{"$f":"Inputs!T23","v":0}]
[null,"Surrender Value",{"$f":"Inputs!C25","v":0},{"$f":"Inputs!D25","v":""},null,14,null,{"$f":"Inputs!I24","v":"1912-12-31"},{"$f":"Inputs!J24","v":"1913-12-30"},{"$f":"Inputs!K24","v":"No"},{"$f":"Inputs!L24","v":0},{"$f":"Inputs!M24","v":0},{"$f":"Inputs!N24","v":0},{"$f":"Inputs!O24","v":0},{"$f":"Inputs!P24","v":0},{"$f":"Inputs!Q24","v":0},{"$f":"Inputs!R24","v":0},{"$f":"Inputs!S24","v":0},{"$f":"Inputs!T24","v":0}]
[null,"Gain",{"$f":"Inputs!C26","v":""},{"$f":"Inputs!D26","v":""},null,15,null,{"$f":"Inputs!I25","v":"1913-12-31"},{"$f":"Inputs!J25","v":"1914-12-30"},{"$f":"Inputs!K25","v":"No"},{"$f":"Inputs!L25","v":0},{"$f":"Inputs!M25","v":0},{"$f":"Inputs!N25","v":0},{"$f":"Inputs!O25","v":0},{"$f":"Inputs!P25","v":0},{"$f":"Inputs!Q25","v":0},{"$f":"Inputs!R25","v":0},{"$f":"Inputs!S25","v":0},{"$f":"Inputs!T25","v":0}]
[null,"\"N\"",{"$f":"Inputs!C27","v":""},{"$f":"Inputs!D27","v":""},null,16,null,{"$f":"Inputs!I26","v":"1914-12-31"},{"$f":"Inputs!J26","v":"1915-12-30"},{"$f":"Inputs!K26","v":"No"},{"$f":"Inputs!L26","v":0},{"$f":"Inputs!M26","v":0},{"$f":"Inputs!N26","v":0},{"$f":"Inputs!O26","v":0},{"$f":"Inputs!P26","v":0},{"$f":"Inputs!Q26","v":0},{"$f":"Inputs!R26","v":0},{"$f":"Inputs!S26","v":0},{"$f":"Inputs!T26","v":0}]
[null,"Slice",{"$f":"Inputs!C28","v":""},{"$f":"Inputs!D28","v":""},null,17,null,{"$f":"Inputs!I27","v":"1915-12-31"},{"$f":"Inputs!J27","v":"1916-12-30"},{"$f":"Inputs!K27","v":"No"},{"$f":"Inputs!L27","v":0},{"$f":"Inputs!M27","v":0},{"$f":"Inputs!N27","v":0},{"$f":"Inputs!O27","v":0},{"$f":"Inputs!P27","v":0},{"$f":"Inputs!Q27","v":0},{"$f":"Inputs!R27","v":0},{"$f":"Inputs!S27","v":0},{"$f":"Inputs!T27","v":0}]
[null,null,null,null,null,18,null,{"$f":"Inputs!I28","v":"1916-12-31"},{"$f":"Inputs!J28","v":"1917-12-30"},{"$f":"Inputs!K28","v":"No"},{"$f":"Inputs!L28","v":0},{"$f":"Inputs!M28","v":0},{"$f":"Inputs!N28","v":0},{"$f":"Inputs!O28","v":0},{"$f":"Inputs!P28","v":0},{"$f":"Inputs!Q28","v":0},{"$f":"Inputs!R28","v":0},{"$f":"Inputs!S28","v":0},{"$f":"Inputs!T28","v":0}]
[null,"Proposed Withdrawal",null,null,null,19,null,{"$f":"Inputs!I29","v":"1917-12-31"},{"$f":"Inputs!J29","v":"1918-12-30"},{"$f":"Inputs!K29","v":"No"},{"$f":"Inputs!L29","v":0},{"$f":"Inputs!M29","v":0},{"$f":"Inputs!N29","v":0},{"$f":"Inputs!O29","v":0},{"$f":"Inputs!P29","v":0},{"$f":"Inputs!Q29","v":0},{"$f":"Inputs!R29","v":0},{"$f":"Inputs!S29","v":0},{"$f":"Inputs!T29","v":0}]
[null,null,null,null,null,20,null,{"$f":"Inputs!I30","v":"1918-12-31"},{"$f":"Inputs!J30","v":"1919-12-30"},{"$f":"Inputs!K30","v":"No"},{"$f":"Inputs!L30","v":0},{"$f":"Inputs!M30","v":0},{"$f":"Inputs!N30","v":0},{"$f":"Inputs!O30","v":0},{"$f":"Inputs!P30","v":0},{"$f":"Inputs!Q30","v":0},{"$f":"Inputs!R30","v":0},{"$f":"Inputs!S30","v":0},{"$f":"Inputs!T30","v":0}]
[null,"Amount required",null,{"$f":"Inputs!D32","v":0},null,21,null,{"$f":"Inputs!I31","v":"1919-12-31"},{"$f":"Inputs!J31","v":"1920-12-30"},{"$f":"Inputs!K31","v":"No"},{"$f":"Inputs!L31","v":0},{"$f":"Inputs!M31","v":0},{"$f":"Inputs!N31","v":0},{"$f":"Inputs!O31","v":0},{"$f":"Inputs!P31","v":0},{"$f":"Inputs!Q31","v":0},{"$f":"Inputs!R31","v":0},{"$f":"Inputs!S31","v":0},{"$f":"Inputs!T31","v":0}]
[null,"Full segment surrender",{"$f":"Inputs!C33","v":0},{"$f":"Inputs!D33","v":""},null,22,null,{"$f":"Inputs!I32","v":"1920-12-31"},{"$f":"Inputs!J32","v":"1921-12-30"},{"$f":"Inputs!K32","v":"No"},{"$f":"Inputs!L32","v":0},{"$f":"Inputs!M32","v":0},{"$f":"Inputs!N32","v":0},{"$f":"Inputs!O32","v":0},{"$f":"Inputs!P32","v":0},{"$f":"Inputs!Q32","v":0},{"$f":"Inputs!R32","v":0},{"$f":"Inputs!S32","v":0},{"$f":"Inputs!T32","v":0}]
[null,"Partial surrender ",null,{"$f":"Inputs!D34","v":""},null,23,null,{"$f":"Inputs!I33","v":"1921-12-31"},{"$f":"Inputs!J33","v":"1922-12-30"},{"$f":"Inputs!K33","v":"No"},{"$f":"Inputs!L33","v":0},{"$f":"Inputs!M33","v":0},{"$f":"Inputs!N33","v":0},{"$f":"Inputs!O33","v":0},{"$f":"Inputs!P33","v":0},{"$f":"Inputs!Q33","v":0},{"$f":"Inputs!R33","v":0},{"$f":"Inputs!S33","v":0},{"$f":"Inputs!T33","v":0}]
[null,null,null,null,null,24,null,{"$f":"Inputs!I34","v":"1922-12-31"},{"$f":"Inputs!J34","v":"1923-12-30"},{"$f":"Inputs!K34","v":"No"},{"$f":"Inputs!L34","v":0},{"$f":"Inputs!M34","v":0},{"$f":"Inputs!N34","v":0},{"$f":"Inputs!O34","v":0},{"$f":"Inputs!P34","v":0},{"$f":"Inputs!Q34","v":0},{"$f":"Inputs!R34","v":0},{"$f":"Inputs!S34","v":0},{"$f":"Inputs!T34","v":0}]
[null,"Segments to get close",{"$f":"Inputs!C36","v":""},null,null,25,null,{"$f":"Inputs!I35","v":"1923-12-31"},{"$f":"Inputs!J35","v":"1924-12-30"},{"$f":"Inputs!K35","v":"No"},{"$f":"Inputs!L35","v":0},{"$f":"Inputs!M35","v":0},{"$f":"Inputs!N35","v":0},{"$f":"Inputs!O35","v":0},{"$f":"Inputs!P35","v":0},{"$f":"Inputs!Q35","v":0},{"$f":"Inputs!R35","v":0},{"$f":"Inputs!S35","v":0},{"$f":"Inputs!T35","v":0}]
[null,null,null,null,null,26,null,{"$f":"Inputs!I36","v":"1924-12-31"},{"$f":"Inputs!J36","v":"1925-12-30"},{"$f":"Inputs!K36","v":"No"},{"$f":"Inputs!L36","v":0},{"$f":"Inputs!M36","v":0},{"$f":"Inputs!N36","v":0},{"$f":"Inputs!O36","v":0},{"$f":"Inputs!P36","v":0},{"$f":"Inputs!Q36","v":0},{"$f":"Inputs!R36","v":0},{"$f":"Inputs!S36","v":0},{"$f":"Inputs!T36","v":0}]
[null,"Values after proposed withdrawal",null,null,null,27,null,{"$f":"Inputs!I37","v":"1925-12-31"},{"$f":"Inputs!J37","v":"1926-12-30"},{"$f":"Inputs!K37","v":"No"},{"$f":"Inputs!L37","v":0},{"$f":"Inputs!M37","v":0},{"$f":"Inputs!N37","v":0},{"$f":"Inputs!O37","v":0},{"$f":"Inputs!P37","v":0},{"$f":"Inputs!Q37","v":0},{"$f":"Inputs!R37","v":0},{"$f":"Inputs!S37","v":0},{"$f":"Inputs!T37","v":0}]
[null,null,null,null,null,28,null,{"$f":"Inputs!I38","v":"1926-12-31"},{"$f":"Inputs!J38","v":"1927-12-30"},{"$f":"Inputs!K38","v":"No"},{"$f":"Inputs!L38","v":0},{"$f":"Inputs!M38","v":0},{"$f":"Inputs!N38","v":0},{"$f":"Inputs!O38","v":0},{"$f":"Inputs!P38","v":0},{"$f":"Inputs!Q38","v":0},{"$f":"Inputs!R38","v":0},{"$f":"Inputs!S38","v":0},{"$f":"Inputs!T38","v":0}]
[null,null,"Full Segments","Partial",null,29,null,{"$f":"Inputs!I39","v":"1927-12-31"},{"$f":"Inputs!J39","v":"1928-12-30"},{"$f":"Inputs!K39","v":"No"},{"$f":"Inputs!L39","v":0},{"$f":"Inputs!M39","v":0},{"$f":"Inputs!N39","v":0},{"$f":"Inputs!O39","v":0},{"$f":"Inputs!P39","v":0},{"$f":"Inputs!Q39","v":0},{"$f":"Inputs!R39","v":0},{"$f":"Inputs!S39","v":0},{"$f":"Inputs!T39","v":0}]
[null,"Gain",{"$f":"Inputs!C42","v":0},{"$f":"Inputs!D42","v":0},null,30,null,{"$f":"Inputs!I40","v":"1928-12-31"},{"$f":"Inputs!J40","v":"1929-12-30"},{"$f":"Inputs!K40","v":"No"},{"$f":"Inputs!L40","v":0},{"$f":"Inputs!M40","v":0},{"$f":"Inputs!N40","v":0},{"$f":"Inputs!O40","v":0},{"$f":"Inputs!P40","v":0},{"$f":"Inputs!Q40","v":0},{"$f":"Inputs!R40","v":0},{"$f":"Inputs!S40","v":0},{"$f":"Inputs!T40","v":0}]
[null,"\"N\"",{"$f":"Inputs!C43","v":""},{"$f":"Inputs!D43","v":""},null,31,null,{"$f":"Inputs!I41","v":"1929-12-31"},{"$f":"Inputs!J41","v":"1930-12-30"},{"$f":"Inputs!K41","v":"No"},{"$f":"Inputs!L41","v":0},{"$f":"Inputs!M41","v":0},{"$f":"Inputs!N41","v":0},{"$f":"Inputs!O41","v":0},{"$f":"Inputs!P41","v":0},{"$f":"Inputs!Q41","v":0},{"$f":"Inputs!R41","v":0},{"$f":"Inputs!S41","v":0},{"$f":"Inputs!T41","v":0}]
[null,"Slice",{"$f":"Inputs!C44","v":""},{"$f":"Inputs!D44","v":""},null,32,null,{"$f":"Inputs!I42","v":"1930-12-31"},{"$f":"Inputs!J42","v":"1931-12-30"},{"$f":"Inputs!K42","v":"No"},{"$f":"Inputs!L42","v":0},{"$f":"Inputs!M42","v":0},{"$f":"Inputs!N42","v":0},{"$f":"Inputs!O42","v":0},{"$f":"Inputs!P42","v":0},{"$f":"Inputs!Q42","v":0},{"$f":"Inputs!R42","v":0},{"$f":"Inputs!S42","v":0},{"$f":"Inputs!T42","v":0}]
[null,"Tax year assessed",{"$f":"Inputs!C45","v":""},{"$f":"Inputs!D45","v":""},null,33,null,{"$f":"Inputs!I43","v":"1931-12-31"},{"$f":"Inputs!J43","v":"1932-12-30"},{"$f":"Inputs!K43","v":"No"},{"$f":"Inputs!L43","v":0},{"$f":"Inputs!M43","v":0},{"$f":"Inputs!N43","v":0},{"$f":"Inputs!O43","v":0},{"$f":"Inputs!P43","v":0},{"$f":"Inputs!Q43","v":0},{"$f":"Inputs!R43","v":0},{"$f":"Inputs!S43","v":0},{"$f":"Inputs!T43","v":0}]
[null,null,null,null,null,34,null,{"$f":"Inputs!I44","v":"1932-12-31"},{"$f":"Inputs!J44","v":"1933-12-30"},{"$f":"Inputs!K44","v":"No"},{"$f":"Inputs!L44","v":0},{"$f":"Inputs!M44","v":0},{"$f":"Inputs!N44","v":0},{"$f":"Inputs!O44","v":0},{"$f":"Inputs!P44","v":0},{"$f":"Inputs!Q44","v":0},{"$f":"Inputs!R44","v":0},{"$f":"Inputs!S44","v":0},{"$f":"Inputs!T44","v":0}]
[null,null,null,null,null,35,null,{"$f":"Inputs!I45","v":"1933-12-31"},{"$f":"Inputs!J45","v":"1934-12-30"},{"$f":"Inputs!K45","v":"No"},{"$f":"Inputs!L45","v":0},{"$f":"Inputs!M45","v":0},{"$f":"Inputs!N45","v":0},{"$f":"Inputs!O45","v":0},{"$f":"Inputs!P45","v":0},{"$f":"Inputs!Q45","v":0},{"$f":"Inputs!R45","v":0},{"$f":"Inputs!S45","v":0},{"$f":"Inputs!T45","v":0}]
[null,"Important Information\nBefore using this tool you should read the Important information about this tool and Important information about the calculations included on the \"Home\" tab.\nHover over the red tags beside fields for further information.",null,null,null,36,null,{"$f":"Inputs!I46","v":"1934-12-31"},{"$f":"Inputs!J46","v":"1935-12-30"},{"$f":"Inputs!K46","v":"No"},{"$f":"Inputs!L46","v":0},{"$f":"Inputs!M46","v":0},{"$f":"Inputs!N46","v":0},{"$f":"Inputs!O46","v":0},{"$f":"Inputs!P46","v":0},{"$f":"Inputs!Q46","v":0},{"$f":"Inputs!R46","v":0},{"$f":"Inputs!S46","v":0},{"$f":"Inputs!T46","v":0}]
[null,null,null,null,null,37,null,{"$f":"Inputs!I47","v":"1935-12-31"},{"$f":"Inputs!J47","v":"1936-12-30"},{"$f":"Inputs!K47","v":"No"},{"$f":"Inputs!L47","v":0},{"$f":"Inputs!M47","v":0},{"$f":"Inputs!N47","v":0},{"$f":"Inputs!O47","v":0},{"$f":"Inputs!P47","v":0},{"$f":"Inputs!Q47","v":0},{"$f":"Inputs!R47","v":0},{"$f":"Inputs!S47","v":0},{"$f":"Inputs!T47","v":0}]
[null,null,null,null,null,38,null,{"$f":"Inputs!I48","v":"1936-12-31"},{"$f":"Inputs!J48","v":"1937-12-30"},{"$f":"Inputs!K48","v":"No"},{"$f":"Inputs!L48","v":0},{"$f":"Inputs!M48","v":0},{"$f":"Inputs!N48","v":0},{"$f":"Inputs!O48","v":0},{"$f":"Inputs!P48","v":0},{"$f":"Inputs!Q48","v":0},{"$f":"Inputs!R48","v":0},{"$f":"Inputs!S48","v":0},{"$f":"Inputs!T48","v":0}]
[null,null,null,null,null,39,null,{"$f":"Inputs!I49","v":"1937-12-31"},{"$f":"Inputs!J49","v":"1938-12-30"},{"$f":"Inputs!K49","v":"No"},{"$f":"Inputs!L49","v":0},{"$f":"Inputs!M49","v":0},{"$f":"Inputs!N49","v":0},{"$f":"Inputs!O49","v":0},{"$f":"Inputs!P49","v":0},{"$f":"Inputs!Q49","v":0},{"$f":"Inputs!R49","v":0},{"$f":"Inputs!S49","v":0},{"$f":"Inputs!T49","v":0}]
[null,null,null,null,null,40,null,{"$f":"Inputs!I50","v":"1938-12-31"},{"$f":"Inputs!J50","v":"1939-12-30"},{"$f":"Inputs!K50","v":"No"},{"$f":"Inputs!L50","v":0},{"$f":"Inputs!M50","v":0},{"$f":"Inputs!N50","v":0},{"$f":"Inputs!O50","v":0},{"$f":"Inputs!P50","v":0},{"$f":"Inputs!Q50","v":0},{"$f":"Inputs!R50","v":0},{"$f":"Inputs!S50","v":0},{"$f":"Inputs!T50","v":0}]
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[null,"Before using this tool you should read the Important information about this tool and Important information about the calculations included on the \"Home\" tab."]
[null,"Hover over the red tags beside fields for further information."]

{"sheet":"Quicktool","index":7,"n_rows":25,"n_cols":6,"rows_kept":25,"cut":false,"hidden":false,"merged":[[1,1,1,3]]}
[]
[null,"Quick Tool\nBuilt by M&G"]
[]
[]
[]
[null,null,"DD MM YYYY"]
[null,"Policy Start date"]
[]
[null,"Calculation Date"]
[]
[null,"Surrender Value"]
[null,"plus"]
[null,"Total Withdrawals"]
[null,"less"]
[null,"Total Premiums"]
[null,"less"]
[null,"Previous Excess Gains",null,null,{"$f":"-C17","v":0},"Prev Gains"]
[null,null,null,null,{"$f":"C11+C13-C15-C17","v":0},"Usual Calc"]
[null,{"$f":"IF(C19>=0,\"Total Gain\",\"Total deficiency\")","v":"Total Gain"},{"$f":"MAX(E17,C11+C13-C15-C17)","v":0}]
[]
[null,"\"N\"",{"$f":"IF(C19<0,0,ROUNDDOWN(YEARFRAC(C9,C7,0),0))","v":0}]
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