{"text_format":"1","workbook":"xlsx","n_sheets":23,"sheets":["General","Financials & Capital","P & C - Summary","P & C - Details","P & C - Reinsurance","L & H - Summary ","L & H - Details ","L & H  - Reinsurance","P & C - Solvency Assessment","L & H - Solvency Assessment","P & C + L & H - Solvency Assess","Policyholders & Claims","PI Coverage","F&P","Meetings, Internal Audit, etc.","Employees","Outsourcing","Client Base (Geo)","Business Continuity, etc.","Other Activities & Issues","Financial Soundness Indicators","Declaration","Answer Key"],"not_rendered":{"charts":0,"images":3,"macros":1,"external_links":2,"defined_names":2,"comments":2,"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":"General","index":0,"n_rows":53,"n_cols":11,"rows_kept":53,"cut":false,"hidden":false,"merged":[[43,2,43,8],[59,0,59,14],[50,4,50,13],[48,4,48,13],[46,4,46,8],[52,9,52,13],[53,9,53,13],[54,9,54,13],[55,9,55,13],[37,2,37,8],[40,2,40,8],[41,2,41,8],[42,2,42,8],[23,10,23,13],[34,2,34,8],[35,2,35,8],[36,2,36,8],[24,10,24,13],[29,5,29,11],[31,5,31,11],[13,4,13,13],[15,4,15,8],[22,10,22,13],[0,0,0,14],[10,0,10,14],[11,0,11,14],[9,0,9,14]]}
["BRITISH VIRGIN ISLANDS FINANCIAL SERVICES COMMISSION"]
[]
[]
[]
[]
[]
[]
[]
[]
["DOMESTIC INSURANCE BUSINESS ANNUAL RETURN"]
["Insurance Act, 2008"]
["Financial Services (Prudential and Statistical Returns) Order, 2009"]
[]
[null,"Licensee Name:"]
[]
[null,"Licence Number:"]
[]
[null,"Authorised Class of Insurance Business (Tick as applicable): "]
[]
[null,"Property and Casualty Insurance Business",null,null,null,null,null,null,null,"Life and Health Insurance Business"]
[null,null,"Class 1: Motor Insurance",null,null,null,null,null,null,null,"Class 9: Annuity Business"]
[null,null,"Class 2: Property Insurance",null,null,null,null,null,null,null,"Class 10: Life Insurance"]
[null,null,"Class 3: Liability Insurance",null,null,null,null,null,null,null,"Class 11: Life Insurance (Investment Related)"]
[null,null,"Class 4: Financial Loss Insurance",null,null,null,null,null,null,null,"Class 12: Permanent Health Insurance"]
[null,null,"Class 5: Marine and Aviation",null,null,null,null,null,null,null,"Class 13: Other Life and Health Insurance"]
[null,null,"Class 6: Goods in Transit"]
[null,null,"Class 7: Accidental and Health Insurance"]
[null,null,"Class 8: Other Property and Casualty Insurance"]
[]
[null,"Name of Main Agent in the VI: "]
[]
[null,"Name of Principal Office in the VI:"]
[]
[null,"Name of Insurance Intermediary(ies) that are representing the Insurer "]
[null,"1."]
[null,"2."]
[null,"3."]
[null,"4."]
[]
[null,"Name of Insurance Broker(s) that place(s) business with the Insurer"]
[null,"1."]
[null,"2."]
[null,"3."]
[null,"4."]
[]
[]
[null,"Reporting Period: "]
[]
[null,"Registered Agent:"]
[]
[null,"Registered Office Address:"]
[]
[null,"Jurisdictions in which the licensee's operations are primarily based:"]

{"sheet":"Financials & Capital","index":1,"n_rows":77,"n_cols":9,"rows_kept":77,"cut":false,"hidden":false,"merged":[[1,2,1,3],[35,3,36,7],[35,2,36,2],[47,5,47,6],[38,3,43,8],[80,3,80,8],[53,5,53,8],[55,5,56,8],[36,1,37,1],[49,5,50,8]]}
[]
[null,"1.","FINANCIAL INFORMATION"]
[]
[null,null,"Summary of Statutory Balance Sheet information: Report in US Dollars ONLY"]
[null,null,"ASSETS",null,null,null,"LIABILITIES"]
[null,null,1.1000000000000001,"Cash and cash equivalents",0,null,1.23,"Unearned Premium and Fees Reserves",0]
[null,null,1.2,"Bonds and Debentures",0,null,1.24,"Claims Reserves",0]
[null,null,1.3,"Preferred and Common Stocks",0,null,1.25,"Catastrophe Reserves",0]
[null,null,1.4,"Investment in Real Estate",0,null,1.26,"Life Insurance and Annuity Reserves",0]
[null,null,1.5,"Unit Trusts and Mutual Funds",0,null,1.27,"Accident and Health Reserves",0]
[null,null,1.6,"Alternative Investments",0,null,1.28,"Property and Casualty Reserves",0]
[null,null,1.7,"Derivative Instruments",0,null,1.29,"Other Insurance Reserves",0]
[null,null,1.8,"Secured Loans",0,null,1.3,"Total Insurance Reserves (Sum of Rows 1.23 to 1.29)",{"$f":"SUM(I6:I12)","v":0}]
[null,null,1.9,"Mortgage Loans",0,null,1.31,"Insurance and Reinsurance Payable ",0]
[null,null,1.1000000000000001,"Policy Loans",0,null,1.32,"Commissions Payable ",0]
[null,null,1.1100000000000001,"Investments in Affiliates and Advances to Affiliates",0,null,1.33,"Bank Loans, Overdrafts and Notes Payable",0]
[null,null,1.1200000000000001,"Other Investments and Advances",0,null,1.34,"Amounts due to Parents and Affiliates ",0]
[null,null,1.1299999999999999,"Total Cash, Loans & Investments (Sum of Rows 1.1 to 1.12)",{"$f":"SUM(E6:E17)","v":0},null,1.35,"Accounts Payable and Accrued Liabilities",0]
[null,null,1.1399999999999999,"Investments Income Due and Accrued",0,null,1.36,"Funds Held Under Reinsurance Agreement",0]
[null,null,1.1499999999999999,"Premium and Fees Receivable ",0,null,1.37,"Dividends Payable",0]
[null,null,1.1599999999999999,"Reinsurance Balances Recoverable",0,null,1.38,"Derivatives Instruments",0]
[null,null,1.17,"Funds Held by Ceding Reinsurers",0,null,1.39,"Policyholders' Amounts on Deposit ",0]
[null,null,1.18,"Receivables from Parent and Affiliates",0,null,1.4,"Other Liabilities ",0]
[null,null,1.19,"Fixed Assets",0,null,1.41,"Total Liabilities (Sum of Rows 1.30 to 1.40)",{"$f":"SUM(I13:I23)","v":0}]
[null,null,1.2,"Deferred Policy Acquisitions Costs",0]
[null,null,1.21,"Other Assets",0,null,"SHAREHOLDERS' EQUITY"]
[null,null,1.22,"Total Assets (Sum of Rows 1.13 to 1.21)",{"$f":"SUM(E18:E26)","v":0},null,1.42,"Paid-up Share Capital",0]
[null,null,null,null,null,null,1.43,"Retained Earnings",0]
[null,null,null,null,null,null,1.44,"Other Reserves",0]
[]
[null,null,null,null,null,null,1.45,"Total Liabilities and Shareholders' Equity (Sum of Rows 1.42 to 1.45)",{"$f":"I27+I28+I29","v":0}]
[]
[]
[]
[null,null,"Contingent Liabilities",null,null,null,null,null,"Select (Yes or No)"]
[null,null,1.46,"Are there any Contingent Liabilities (e.g. pending litigation) which were not reported in the licensee's last audited financial statements or otherwise reported to the Commission?"]
[]
[null,null,1.47,"If yes, please provide details below:"]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"2. ","CAPITAL"]
[null,null,"2.1","Total number of shares issued:"]
[]
[null,null,"2.2","Form(s) in which Share Capital (Capital Stock) is contributed:"]
[]
[]
[null,null,"2.3","Institution where Share Capital (Capital Stock) is being held:"]
[null,null,null,null,"Name:"]
[]
[null,null,null,null,"Address:"]
[]
[]
[]
[null,null,"Summary of Statement of Changes in Capital and Surplus information: Report in US Dollars ONLY "]
[]
[null,null,null,"Share Capital"]
[null,null,"2.4","Share Capital- beginning of  year",0]
[null,null,"2.5","Share Capital Issued for the year",0]
[null,null,"2.6","Share Capital - end of year",{"$f":"E63+E64","v":0}]
[]
[null,null,null,"Contributed Surplus"]
[null,null,"2.7","Balance at the beginning of the year",0]
[null,null,"2.8","Additional contributed surplus/grants",0]
[null,null,"2.9","Contributed Surplus - end of year",{"$f":"SUM(E68:E69)","v":0}]
[]
[null,null,null,"Retained Earnings"]
[null,null,"2.10","Balance at beginning of year",0]
[null,null,"2.11","Net Profit for the year",0]
[null,null,"2.12","Retained Earnings - end of year",{"$f":"SUM(E73:E74)","v":0}]
[]
[null,null,"2.13","Total Shareholders' Equity",{"$f":"SUM(E65+E70+E75)","v":0}]

{"sheet":"P & C - Summary","index":2,"n_rows":40,"n_cols":17,"rows_kept":40,"cut":false,"hidden":false,"merged":[[5,6,5,8],[5,10,5,12],[5,14,5,16]]}
[]
[null,"3.","FINANCIAL INFORMATION FOR PROPERTY & CASULATY INSURER"]
[]
[null,null,"Summary of Income Sheet Information - Property & Casualty: Report in US Dollars ONLY"]
[]
[null,null,null,null,null,null,"VI Jurisdiction, Only",null,null,null,"World-Wide (incl. VI Jurisdiction)",null,null,null,"VI Operations as a % age of Worldwide Operations"]
[null,null,null,null,null,null,"Current Year",null,"Prior Year",null,"Current Year",null,"Prior Year",null,"Current Year",null,"Prior Year"]
[null,null,"Premiums"]
[null,null,null,"Direct Premiums Written (Gross)",null,null,null,null,0,null,0,null,0]
[null,null,null,"Premiums Assumed (Gross)",null,null,null,null,0,null,0,null,0]
[null,null,null,"Premiums Ceded",null,null,null,null,0,null,0,null,0]
[]
[null,null,null,"Net Written Premiums",null,null,{"$f":"(G9+G10) - G11","v":0},null,{"$f":"SUM(I9:I10) - I11","v":0},null,{"$f":"SUM(K9:K10) - K11","v":0},null,{"$f":"SUM(M9:M10) - M11","v":0}]
[]
[null,null,null,"Premiums Ceded: Premiums Written (Ratio)",null,null,{"$f":"G11/(SUM(G9:G10))","v":{"$error":"#DIV/0!"}},null,{"$f":"I11/(I9+I10)","v":{"$error":"#DIV/0!"}},null,{"$f":"K11/(K9+K10)","v":{"$error":"#DIV/0!"}},null,{"$f":"M11/(M9+M10)","v":{"$error":"#DIV/0!"}}]
[]
[null,null,"Claims/Losses"]
[null,null,null,"Claims/Losses Incurred (Gross)"]
[null,null,null,null,"Incurred & Paid",null,0,null,0,null,0,null,0]
[null,null,null,null,"Incurred, Reported But Not Yet Paid",null,0,null,0,null,0,null,0]
[null,null,null,null,"Incurred But Not Reported (IBNR)",null,0,null,0,null,0,null,0]
[]
[null,null,null,"Claims/Losses Recoverable From Reinsurance"]
[null,null,null,null,"Recovered & Received",null,0,null,0,null,0,null,0]
[null,null,null,null,"Recoverable (Reported, Not Yet Received)",null,0,null,0,null,0,null,0]
[null,null,null,null,"Recoverable (IBNR)",null,0,null,0,null,0,null,0]
[]
[null,null,null,"Net Claims/Losses Incurred",null,null,{"$f":"SUM(G19:G21)-SUM(G24:G26)","v":0},null,{"$f":"SUM(I19:I21)-SUM(I24:I26)","v":0},null,{"$f":"SUM(K19:K21) - SUM(K24:K26)","v":0},null,{"$f":"SUM(M19:M21) - SUM(M24:M26)","v":0}]
[]
[null,null,"Commissions"]
[null,null,null,"Commissions Paid on Business Written/Assumed"]
[null,null,null,"Commissions Received on Business Ceded"]
[]
[null,null,"Net Underwriting Income ",null,null,null,{"$f":"G13-G28-G31+G32","v":0},null,{"$f":"I13-I28-I31+I32","v":0},null,{"$f":"K13-K28-K31+K32","v":0},null,{"$f":"M13-M28-M31+M32","v":0}]
[]
[null,null,"General Expenses "]
[]
[null,null,"Investment Income, Net"]
[]
[null,null,"Net Income ",null,null,null,{"$f":"G34-G36+G38","v":0},null,{"$f":"I34-I36+I38","v":0},null,{"$f":"K34-K36+K38","v":0},null,{"$f":"M34-M36+M38","v":0}]

{"sheet":"P & C - Details","index":3,"n_rows":80,"n_cols":18,"rows_kept":80,"cut":false,"hidden":false,"merged":[[35,3,35,17]]}
[]
[null,"4.","FINANCIAL INFORMATION FOR PROPERTY & CASUALTY INSURER"]
[]
[null,null,"Details of Income sheet Information - Property & Casualty: Report in US Dollars ONLY"]
[]
[null,null,null,null,null,"Motor","Property","Liability","Financial Loss","Marine ","Aviation","Goods In Transit","Accident ","Health","Other Property & Casualty ",null,"Previous Year Totals","Current Year Totals"]
[null,null,"Operational - VI Jurisdiction, Only"]
[null,null,null,"Direct Premiums Written (Gross)",null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F8:O8)","v":0}]
[null,null,null,"Premiums Assumed (Gross)",null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F9:O9)","v":0}]
[null,null,null,"Premiums Ceded",null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F10:O10)","v":0}]
[]
[null,null,null,"Net Written Premiums",null,{"$f":"F8+F9-F10","v":0},{"$f":"G8+G9-G10","v":0},0,0,0,0,0,0,0,0,null,0,{"$f":"SUM(F12:O12)","v":0}]
[]
[null,null,null,"Claims/Losses Incurred (Gross)"]
[null,null,null,null,"Incurred & Paid",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F15:O15)","v":0}]
[null,null,null,null,"Incurred, Reported But Not Yet Paid",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F16:O16)","v":0}]
[null,null,null,null,"Incurred But Not Reported (IBNR)",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F17:O17)","v":0}]
[]
[null,null,null,null,null,{"$f":"SUM(F15:F17)","v":0},{"$f":"SUM(G15:G17)","v":0},0,0,0,0,0,0,0,0,null,0,{"$f":"SUM(F19:O19)","v":0}]
[null,null,null,"Claims/Losses Recoverable From Reinsurance"]
[null,null,null,null,"Recovered & Received",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F21:O21)","v":0}]
[null,null,null,null,"Recoverable (Reported, Not Yet Received)",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F22:O22)","v":0}]
[null,null,null,null,"Recoverable (IBNR) - Footnote 1",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F23:O23)","v":0}]
[]
[null,null,null,"Net Claims/Losses Incurred",null,{"$f":"F19-SUM(F21:F23)","v":0},{"$f":"G19-SUM(G21:G23)","v":0},0,0,0,0,0,0,0,0,null,0,{"$f":"SUM(F25:O25)","v":0}]
[]
[null,null,null,"Commissions Paid on Business Written/Assumed",null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F27:O27)","v":0}]
[null,null,null,"Commissions Received on Business Ceded",null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F28:O28)","v":0}]
[]
[]
[null,null,null,"Net Underwriting Income ",null,{"$f":"F12-F25-F27+F28","v":0},{"$f":"G12-G25-G27+G28","v":0},0,0,0,0,0,0,0,0,null,0,{"$f":"SUM(F31:O31)","v":0}]
[]
[]
[null,null,null,"Unearned Premium Reserve",null,0,0,0,0,0,0,0,0,0,0,null,0,{"$f":"SUM(F34:O34)","v":0}]
[]
[null,null,null,"Footnote 1 - since business written is reinsured, management should know, based upon the reinsurance arrangements in effect, the extent to which the IBNR amount should it crystalise, is recoverable from reinsurers and therefore an assessment of this amount is required."]
[]
[]
[null,null,"Gross Claims/Losses  - VI Jurisdiction, Only"]
[null,null,null,"Outstanding Claims/Losses Brought Forward"]
[null,null,null,null,"Less than 1 year old",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F41:O41)","v":0}]
[null,null,null,null,"2 - 5 years old",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F42:O42)","v":0}]
[null,null,null,null,"More than 5 years old",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F43:O43)","v":0}]
[]
[null,null,null,"Claims/Losses Incurred"]
[null,null,null,null,"Incurred in the current year",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F46:O46)","v":0}]
[null,null,null,null,"Changes concerning claims/losses of prior years",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F47:O47)","v":0}]
[null,null,null,null,"Changes concerning IBNR",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F48:O48)","v":0}]
[]
[null,null,null,"Claims/Losses Paid"]
[null,null,null,null,"Current year claims",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F51:O51)","v":0}]
[null,null,null,null,"Prior year claims",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F52:O52)","v":0}]
[]
[]
[null,null,null,"Outstanding Claims/Losses Carried Forward",null,{"$f":"SUM(F41:F43)+SUM(F46:F48)-SUM(F51:F52)","v":0},{"$f":"SUM(G41:G43)+SUM(G46:G48)-SUM(G51:G52)","v":0},0,0,0,0,0,0,0,0,null,0,{"$f":"SUM(F55:O55)","v":0}]
[]
[null,null,null,null,"Less than 1 year old",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F57:O57)","v":0}]
[null,null,null,null,"2 - 5 years old",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F58:O58)","v":0}]
[null,null,null,null,"More than 5 years old",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F59:O59)","v":0}]
[]
[]
[null,null,null,null,null,{"$f":"SUM(F57:F59)","v":0},{"$f":"SUM(G57:G59)","v":0},0,0,0,0,0,0,0,0,null,0,{"$f":"SUM(F62:O62)","v":0}]
[]
[null,null,"Amounts Recoverable From Reinsurers  - VI Jurisdiction, Only"]
[null,null,null,null,"Less than 1 year old",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F65:O65)","v":0}]
[null,null,null,null,"2 - 5 years old",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F66:O66)","v":0}]
[null,null,null,null,"More than 5 years old",null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F67:O67)","v":0}]
[]
[]
[null,null,null,null,null,{"$f":"SUM(F65:F67)","v":0},{"$f":"SUM(G65:G67)","v":0},0,0,0,0,0,0,0,0,null,0,{"$f":"SUM(F70:O70)","v":0}]
[]
[]
[null,null,"Statistical Data - VI Jurisdiction, Only"]
[null,null,null,"No. of New Business",null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F74:O74)","v":0}]
[]
[null,null,null,"Rate of Renewals (in % age)",null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F76:O76)","v":0}]
[]
[null,null,null,"Aggregate Sums Insured (\"ASI\")",null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F78:O78)","v":0}]
[null,null,null,"Aggregate Sums Insured, Reinsured (\"ASIR\")",null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F79:O79)","v":0}]
[null,null,null,"Ratio - ASIR : ASI",null,{"$f":"F79/F78","v":{"$error":"#DIV/0!"}},{"$f":"G79/G78","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"L79/L78","v":{"$error":"#DIV/0!"}},{"$f":"M79/M78","v":{"$error":"#DIV/0!"}},{"$f":"N79/N78","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},null,null,{"$f":"R79/R78","v":{"$error":"#DIV/0!"}}]

{"sheet":"P & C - Reinsurance","index":4,"n_rows":56,"n_cols":20,"rows_kept":56,"cut":false,"hidden":false,"merged":[[49,5,53,5],[43,3,47,3],[49,3,53,3],[19,4,23,4],[25,4,29,4],[31,4,35,4],[37,4,41,4],[43,4,47,4],[49,4,53,4],[19,5,23,5],[25,5,29,5],[19,3,23,3],[25,3,29,3],[31,3,35,3],[37,3,41,3],[19,6,23,6],[25,6,29,6],[31,6,35,6],[37,6,41,6],[43,5,47,5],[7,3,11,3],[7,4,11,4],[7,5,11,5],[7,6,11,6],[7,7,11,7],[55,6,56,8],[13,3,17,3],[13,4,17,4],[13,5,17,5],[13,6,17,6],[13,7,17,7],[43,6,47,6],[49,6,53,6],[19,7,23,7],[25,7,29,7],[31,7,35,7],[37,7,41,7],[43,7,47,7],[49,7,53,7],[31,5,35,5],[37,5,41,5]]}
[]
[null,"5.","PROPERTY & CASUALTY INSURER - REINSURANCE ARRANGEMENT"]
[null,"(Where the licensee has reinsurance arrangements with more than 8 reinsurers for property and casualty, it may submit in a separate sheet or document with this return, with all the required details specified below, labelled \"Item 5\".)"]
[]
[null,null,"VI Jurisdiction Only"]
[null,null,null,"Full Legal Name of Reinsurer ","Home Regulator","Rating","Rating Agency","Date of Rating","Type of Reinsurance","Motor ","Property","Liability","Financial Loss","Marine ","Aviation","Goods In Transit","Accident ","Health ","Other Property & Casualty","Licensee's Credit & Liquidity Risk Assessment of Reinsurer"]
[null,null,null,null,null,null,null,null,null,"US$","US$","US$","US$","US$","US$","US$","US$","US$","US$"]
[null,null,1,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,"Excess of Loss"]
[null,null,null,null,null,null,null,null,"Facultative, Etc"]
[]
[null,null,2,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,"Excess of Loss"]
[null,null,null,null,null,null,null,null,"Facultative, Etc"]
[]
[null,null,3,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,"Excess of Loss"]
[null,null,null,null,null,null,null,null,"Facultative, Etc"]
[]
[null,null,4,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,"Excess of Loss"]
[null,null,null,null,null,null,null,null,"Facultative, Etc"]
[]
[null,null,5,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,"Excess of Loss"]
[null,null,null,null,null,null,null,null,"Facultative, Etc"]
[]
[null,null,6,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,"Excess of Loss"]
[null,null,null,null,null,null,null,null,"Facultative, Etc"]
[]
[null,null,7,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,"Excess of Loss"]
[null,null,null,null,null,null,null,null,"Facultative, Etc"]
[]
[null,null,8,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,"Excess of Loss"]
[null,null,null,null,null,null,null,null,"Facultative, Etc"]
[]
[null,null,null,null,null,null,"% Value of Premium by Class of Insurance Business Reinsured (Reinsurance Share of Premiums)",null,null,{"$f":"'P & C - Details'!F10/SUM('P & C - Details'!F8:F9)","v":{"$error":"#DIV/0!"}},{"$f":"'P & C - Details'!G10/SUM('P & C - Details'!G8:G9)","v":{"$error":"#DIV/0!"}},{"$f":"'P & C - Details'!H10/SUM('P & C - Details'!H8:H9)","v":{"$error":"#DIV/0!"}},{"$f":"'P & C - Details'!I10/SUM('P & C - Details'!I8:I9)","v":{"$error":"#DIV/0!"}},{"$f":"'P & C - Details'!J10/SUM('P & C - Details'!J8:J9)","v":{"$error":"#DIV/0!"}},{"$f":"'P & C - Details'!K10/SUM('P & C - Details'!K8:K9)","v":{"$error":"#DIV/0!"}},{"$f":"'P & C - Details'!L10/SUM('P & C - Details'!L8:L9)","v":{"$error":"#DIV/0!"}},{"$f":"'P & C - Details'!M10/SUM('P & C - Details'!M8:M9)","v":{"$error":"#DIV/0!"}},{"$f":"'P & C - Details'!N10/SUM('P & C - Details'!N8:N9)","v":{"$error":"#DIV/0!"}},{"$f":"'P & C - Details'!O10/SUM('P & C - Details'!O8:O9)","v":{"$error":"#DIV/0!"}}]

{"sheet":"L & H - Summary ","index":5,"n_rows":40,"n_cols":17,"rows_kept":40,"cut":false,"hidden":false,"merged":[[5,6,5,8],[5,10,5,12],[5,14,5,16]]}
[]
[null,"6.","FINANCIAL INFORMATION FOR LIFE & HEALTH INSURER"]
[]
[null,null,"Summary of Income Sheet Information - Life & Health: Report in US Dollars ONLY"]
[]
[null,null,null,null,null,null,"VI Jurisdiction, Only",null,null,null,"World-Wide (incl. VI Jurisdiction)",null,null,null,"VI Operations as a % age of Worldwide Operations"]
[null,null,null,null,null,null,"Current Year",null,"Prior Year",null,"Current Year",null,"Prior Year",null,"Current Year",null,"Prior Year"]
[null,null,"Premiums"]
[null,null,null,"Direct Premiums Written (Gross)",null,null,0,null,0,null,0,null,0]
[null,null,null,"Premiums Assumed (Gross)",null,null,0,null,0,null,0,null,0]
[null,null,null,"Premiums Ceded",null,null,0,null,0,null,0,null,0]
[]
[null,null,null,"Net Written Premiums",null,null,{"$f":"(G9+G10) - G11","v":0},null,{"$f":"SUM(I9:I10) - I11","v":0},null,{"$f":"SUM(K9:K10) - K11","v":0},null,{"$f":"SUM(M9:M10) - M11","v":0}]
[]
[null,null,null,"Premiums Ceded: Premiums Written (Ratio)",null,null,{"$f":"G11/(SUM(G9:G10))","v":{"$error":"#DIV/0!"}},null,{"$f":"I11/(I9+I10)","v":{"$error":"#DIV/0!"}},null,{"$f":"K11/(K9+K10)","v":{"$error":"#DIV/0!"}},null,{"$f":"M11/(M9+M10)","v":{"$error":"#DIV/0!"}}]
[]
[null,null,"Claims/Losses"]
[null,null,null,"Claims/Losses Incurred (Gross)"]
[null,null,null,null,"Incurred & Paid",null,0,null,0,null,0,null,0]
[null,null,null,null,"Incurred, Reported But Not Yet Paid",null,0,null,0,null,0,null,0]
[null,null,null,null,"Incurred But Not Reported (IBNR)",null,0,null,0,null,0,null,0]
[]
[null,null,null,"Claims/Losses Recoverable From Reinsurance"]
[null,null,null,null,"Recovered & Received",null,0,null,0,null,0,null,0]
[null,null,null,null,"Recoverable (Reported, Not Yet Received)",null,0,null,0,null,0,null,0]
[null,null,null,null,"Recoverable (IBNR)",null,0,null,0,null,0,null,0]
[]
[null,null,null,"Net Claims/Losses Incurred",null,null,{"$f":"SUM(G19:G21)-SUM(G24:G26)","v":0},null,{"$f":"SUM(I19:I21)-SUM(I24:I26)","v":0},null,{"$f":"SUM(K19:K21) - SUM(K24:K26)","v":0},null,{"$f":"SUM(M19:M21) - SUM(M24:M26)","v":0}]
[]
[null,null,"Commissions"]
[null,null,null,"Commissions Paid on Business Written/Assumed",null,null,0,null,0,null,0,null,0]
[null,null,null,"Commissions Received on Business Ceded",null,null,0,null,0,null,0,null,0]
[]
[null,null,"Net Underwriting Income ",null,null,null,{"$f":"G13-G28-G31+G32","v":0},null,{"$f":"I13-I28-I31+I32","v":0},null,{"$f":"K13-K28-K31+K32","v":0},null,{"$f":"M13-M28-M31+M32","v":0}]
[]
[null,null,"General Expenses ",null,null,null,0,null,0,null,0,null,0]
[]
[null,null,"Investment Income, Net",null,null,null,0,null,0,null,0,null,0]
[]
[null,null,"Net Income ",null,null,null,{"$f":"G34-G36+G38","v":0},null,{"$f":"I34-I36+I38","v":0},null,{"$f":"K34-K36+K38","v":0},null,{"$f":"M34-M36+M38","v":0}]

{"sheet":"L & H - Details ","index":6,"n_rows":92,"n_cols":16,"rows_kept":92,"cut":false,"hidden":false,"merged":[]}
[]
[null,"7.","FINANCIAL INFORMATION FOR LIFE & HEALTH INSURER"]
[]
[null,null,"Details of Income Sheet Information - Life & Health: Report in US Dollars ONLY"]
[]
[null,null,null,null,null,"Annuities (Lifetime)","Annuities (Fixed-Term)","Life Insurance (Term Life)","Life Insurance (Whole Life)","Life Insurance  (Endowment)","Life Insurance Investment Related ","Permanent Health","Other Life & Health",null,"Previous Year Totals","Current Year Totals"]
[]
[null,null,"Operational - VI Jurisdiction, Only"]
[null,null,null,"Direct Premiums Written (Gross)",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F9:M9)","v":0}]
[null,null,null,"Premiums Assumed (Gross)",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F10:M10)","v":0}]
[null,null,null,"Premiums Ceded",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F11:M11)","v":0}]
[]
[null,null,null,"Net Written Premiums",null,{"$f":"F9+F10-F11","v":0},0,0,0,0,0,0,0,null,0,{"$f":"SUM(F13:M13)","v":0}]
[]
[null,null,null,"Claims/Losses Incurred (Gross)"]
[null,null,null,null,"Incurred & Paid",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F16:M16)","v":0}]
[null,null,null,null,"Incurred, Reported But Not Yet Paid",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F17:M17)","v":0}]
[null,null,null,null,"Incurred But Not Reported (IBNR)",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F18:M18)","v":0}]
[]
[null,null,null,null,null,{"$f":"SUM(F16:F18)","v":0},0,0,0,0,0,0,0,null,0,{"$f":"SUM(F20:M20)","v":0}]
[null,null,null,"Claims/Losses Recoverable From Reinsurance"]
[null,null,null,null,"Recovered & Received",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F22:M22)","v":0}]
[null,null,null,null,"Recoverable (Reported, Not Yet Received)",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F23:M23)","v":0}]
[null,null,null,null,"Recoverable (IBNR) - Footnote 1",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F24:M24)","v":0}]
[]
[null,null,null,"Net Claims/Losses Incurred",null,{"$f":"F20-SUM(F22:F24)","v":0},0,0,0,0,0,0,0,null,0,{"$f":"SUM(F26:M26)","v":0}]
[]
[null,null,null,"Commissions Paid on Business Written/Assumed",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F28:M28)","v":0}]
[null,null,null,"Commissions Received on Business Ceded",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F29:M29)","v":0}]
[]
[]
[null,null,null,"Net Underwriting Income ",null,{"$f":"F13-F26-F28+F29","v":0},{"$f":"G13-G26-G28+G29","v":0},0,0,0,0,0,0,null,0,{"$f":"SUM(F32:M32)","v":0}]
[]
[null,null,null,"Unearned Premium Reserve",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F34:M34)","v":0}]
[]
[null,null,null,"Footnote 1 - since business written is reinsured, management should know, based upon the reinsurance arrangements in effect, the extent to which the IBNR amount should it crystalise, is recoverable from reinsurers and therefore an assessment of this amount is required."]
[]
[null,null,"Gross Claims/Loss"]
[null,null,null,"Outstanding Claims/Loss Brought Forward"]
[null,null,null,null,"Less than 1 year old",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F40:M40)","v":0}]
[null,null,null,null,"2 - 5 years old",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F41:M41)","v":0}]
[null,null,null,null,"More than 5 years old",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F42:M42)","v":0}]
[]
[]
[null,null,null,"Claims/Losses Incurred"]
[null,null,null,null,"Incurred in the current year",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F46:M46)","v":0}]
[null,null,null,null,"Changes in relation to claim/losses of prior years",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F47:M47)","v":0}]
[null,null,null,null,"Changes in relation to IBNR",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F48:M48)","v":0}]
[]
[null,null,null,"Claims/Losses Paid"]
[null,null,null,null,"Current year claims",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F51:M51)","v":0}]
[null,null,null,null,"Prior year claims",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F52:M52)","v":0}]
[]
[]
[null,null,null,"Outstanding Claims/Losses Carried Forward ",null,{"$f":"SUM(F40:F42)+SUM(F46:F48)-SUM(F51:F52)","v":0},{"$f":"SUM(G40:G42)+SUM(G46:G48)-SUM(G51:G52)","v":0},0,0,0,0,0,0,null,0,{"$f":"SUM(F55:N55)","v":0}]
[]
[null,null,null,null,"Less than 1 year old ",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F57:M57)","v":0}]
[null,null,null,null,"2 - 5 years old",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F58:M58)","v":0}]
[null,null,null,null,"More than 5 years old",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F59:M59)","v":0}]
[]
[]
[null,null,null,null,null,{"$f":"SUM(F57:F59)","v":0},{"$f":"SUM(G57:G59)","v":0},0,0,0,0,0,0,null,0,{"$f":"SUM(F62:M62)","v":0}]
[]
[null,null,"Amounts Recoverable From Reinsurers"]
[null,null,null,null,"Less than 1 year old",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F65:M65)","v":0}]
[null,null,null,null,"2 - 5 years old",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F66:M66)","v":0}]
[null,null,null,null,"More than 5 years old",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F67:M67)","v":0}]
[]
[]
[null,null,null,null,null,{"$f":"SUM(F65:F67)","v":0},{"$f":"SUM(G65:G67)","v":0},0,0,0,0,0,0,null,0,{"$f":"SUM(F70:M70)","v":0}]
[]
[]
[null,null,"Statistical Data - VI Jurisdiction, Only"]
[null,null,null,"No. of New Business",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F74:M74)","v":0}]
[]
[null,null,null,"Rate of Renewals (in %)",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F76:M76)","v":0}]
[]
[null,null,null,"No. of Policy Surrenders",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F78:M78)","v":0}]
[null,null,null,"US$ Value of Surrenders",null,0,0,0,0,0,0,0,0,null,0,{"$f":"SUM(F79:M79)","v":0}]
[]
[null,null,null,"No. of Policy Terminations"]
[null,null,null,null,"Contract based",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F82:M82)","v":0}]
[null,null,null,null,"Other (incl. non-payment by policyholder)",null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F83:M83)","v":0}]
[]
[null,null,null,"No. of Policy Payouts on Death",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F85:M85)","v":0}]
[null,null,null,"US$ Value of Death Payouts",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F86:M86)","v":0}]
[]
[null,null,null,"Aggregate Reserves - Gross - Current Year",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F88:M88)","v":0}]
[null,null,null,"Aggregate Reserves - Ceded - Current Year",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F89:M89)","v":0}]
[]
[null,null,null,"Aggregate Reserves - Gross - Prior Year",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F91:M91)","v":0}]
[null,null,null,"Aggregate Reserves - Ceded - Prior Year",null,null,null,null,null,null,null,null,null,null,0,{"$f":"SUM(F92:M92)","v":0}]

{"sheet":"L & H  - Reinsurance","index":7,"n_rows":49,"n_cols":19,"rows_kept":49,"cut":false,"hidden":false,"merged":[[5,3,5,5],[7,3,10,5],[53,3,53,5],[21,3,21,5],[50,3,50,5],[51,3,51,5],[52,3,52,5],[27,3,30,5],[32,3,35,5],[37,3,40,5],[42,3,45,5],[11,3,11,5],[16,3,16,5],[7,6,10,6],[7,7,10,7],[7,8,10,8],[12,3,15,5],[12,6,15,6],[12,7,15,7],[12,8,15,8],[17,8,20,8],[17,7,20,7],[17,6,20,6],[22,3,25,5],[17,3,20,5],[22,6,25,6],[22,7,25,7],[22,8,25,8],[27,6,30,6],[27,7,30,7],[27,8,30,8],[32,8,35,8],[32,7,35,7],[32,6,35,6],[48,7,49,9],[37,6,40,6],[42,6,45,6],[42,7,45,7],[37,7,40,7],[37,8,40,8],[42,8,45,8]]}
[]
[null,"8.","LIFE & HEALTH INSURER - REINSURANCE ARRANGEMENT"]
[null,"(Where the licensee has reinsurance arrangements with more than 8 reinsurers for life and health, it may submit in a separate sheet or document with this return, with all the required details specified below, labelled \"Item 6\".)"]
[]
[null,null,"VI Jurisdiction Only "]
[null,null,null,"Full Legal Name of Reinsurer",null,null,"Home Regulator","Rating ","Date of Rating","Type of Reinsurance ","Annuities (Lifetime)","Annuities (Fixed-Term)","Life Insurance (Term Life)","Life Insurance (Whole Life)","Life Insurance  (Endowment)","Life Insurance Investment Related","Permanent Health","Other Life & Health ","Licensee's Credit & Liquidity Risk Assessment of Reinsurer"]
[null,null,null,null,null,null,null,null,null,null,"US$","US$","US$","US$","US$","US$","US$","US$"]
[null,null,1,null,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,null,"Facultative, Etc."]
[]
[null,null,"2",null,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,null,"Facultative, Etc."]
[]
[null,null,"3",null,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,null,"Facultative, Etc."]
[]
[null,null,"4",null,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,null,"Facultative, Etc."]
[]
[null,null,"5",null,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,null,"Facultative, Etc."]
[]
[null,null,"6",null,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,null,"Facultative, Etc."]
[]
[null,null,"7",null,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,null,"Facultative, Etc."]
[]
[null,null,"8",null,null,null,null,null,null,"Quota Share Treaty"]
[null,null,null,null,null,null,null,null,null,"Stop Loss"]
[null,null,null,null,null,null,null,null,null,"Surplus"]
[null,null,null,null,null,null,null,null,null,"Facultative, Etc."]
[]
[]
[null,null,null,null,null,null,null,"% Value of Premium by Class of Insurance Business Reinsured (Reinsurance Share of Premiums)",null,null,{"$f":"'L & H - Details '!F11/SUM('L & H - Details '!F9:F10)","v":{"$error":"#DIV/0!"}},{"$f":"'L & H - Details '!G11/SUM('L & H - Details '!G9:G10)","v":{"$error":"#DIV/0!"}},{"$f":"'L & H - Details '!H11/SUM('L & H - Details '!H9:H10)","v":{"$error":"#DIV/0!"}},{"$f":"'L & H - Details '!I11/SUM('L & H - Details '!I9:I10)","v":{"$error":"#DIV/0!"}},{"$f":"'L & H - Details '!J11/SUM('L & H - Details '!J9:J10)","v":{"$error":"#DIV/0!"}},{"$f":"'L & H - Details '!K11/SUM('L & H - Details '!K9:K10)","v":{"$error":"#DIV/0!"}},{"$f":"'L & H - Details '!L11/SUM('L & H - Details '!L9:L10)","v":{"$error":"#DIV/0!"}},{"$f":"'L & H - Details '!M11/SUM('L & H - Details '!M9:M10)","v":{"$error":"#DIV/0!"}}]

{"sheet":"P & C - Solvency Assessment","index":8,"n_rows":28,"n_cols":10,"rows_kept":28,"cut":false,"hidden":false,"merged":[]}
[]
[null,"9.","BVI INSURER'S SOLVENCY ASSESSMENT FOR PROPERTY & CASUALTY  (CATEGORY A LICENCE)"]
[]
[]
[null,null,"A.  Calculation of Actual Solvency Margin (ASM)"]
[]
[null,null,"1.  Aggregate value of Allowable Assets at the end of the reporting period",null,null,null,null,null,0]
[]
[null,null,"2.  Aggregate value of Liabilities at the end of the reporting period (minus)",null,null,null,null,null,0]
[]
[null,null,"3.  Actual Solvency Margin A. (1) - A.(2)",null,null,null,null,null,{"$f":"I7-I9","v":0}]
[null,null,"   (N.B. See Regulatory Code for Non-Allowable/Allowable Assets)"]
[]
[]
[null,null,"B. Calculation of Minimum Solvency Margin (MSM)"]
[]
[null,null,"1.  20% if Annual Net Written Premium (ANWP) up to US$5M",null,null,null,null,null,0]
[]
[null,null,"2.  Where ANWP over US$5M: US$1M plus 10% of ANWP in excess of US$5M",null,null,null,null,null,0]
[]
[null,null,"   Total B.(1) + B.(2) (MSM)",null,null,null,null,null,{"$f":"I17+I19","v":0}]
[]
[null,null,"C.  A.(3) (ASM) above as a percentage of B. (MSM)",null,null,null,null,null,{"$f":"I11/I21","v":{"$error":"#DIV/0!"}},"%"]
[]
[]
[null,null,"Calculation Sheet for:"]
[null,null,null,"Consolidated Business"]
[null,null,null,"Domestic Business"]

{"sheet":"L & H - Solvency Assessment","index":9,"n_rows":26,"n_cols":10,"rows_kept":26,"cut":false,"hidden":false,"merged":[]}
[]
[null,"10.","BVI INSURER'S SOLVENCY ASSESSMENT FOR LIFE & HEALTH (CATEGORY A LICENCE)"]
[]
[]
[null,null,"A.  Calculation of Actual Solvency Margin (ASM)"]
[]
[null,null,"1.  Aggregate value of Allowable Assets at the end of the reporting period",null,null,null,null,null,0]
[]
[null,null,"2.  Aggregate value of Liabilities at the end of the reporting period (minus)",null,null,null,null,null,0]
[]
[null,null,"3.  Actual Solvency Margin A. (1) - A.(2)",null,null,null,null,null,{"$f":"I7-I9","v":0}]
[null,null,"   (N.B. See Regulatory Code for Non-Allowable/Allowable Assets)"]
[]
[]
[null,null,"B. Calculation of Minimum Solvency Margin (MSM)"]
[]
[null,null,"1.  Life and Health only - Net Worth US$250,000",null,null,null,null,null,250000]
[]
[null,null,"   MSM",null,null,null,null,null,{"$f":"I17","v":250000}]
[]
[null,null,"C.  A.(3) (ASM) above as a percentage of B. (MSM)",null,null,null,null,null,{"$f":"I11/I19","v":0},"%"]
[]
[]
[null,null,"Calculation Sheet for:"]
[null,null,null,"Consolidated Business"]
[null,null,null,"Domestic Business"]

{"sheet":"P & C + L & H - Solvency Assess","index":10,"n_rows":30,"n_cols":10,"rows_kept":30,"cut":false,"hidden":false,"merged":[]}
[]
[null,"11.","BVI INSURER'S SOLVENCY ASSESSMENT FOR LIFE & HEALTH AND PROPERTY & CASUALTY (CATEGORY A LICENCE)"]
[]
[]
[null,null,"A.  Calculation of Actual Solvency Margin (ASM)"]
[]
[null,null,"1.  Aggregate value of Allowable Assets at the end of the reporting period",null,null,null,null,null,0]
[]
[null,null,"2.  Aggregate value of Liabilities at the end of the reporting period (minus)",null,null,null,null,null,0]
[]
[null,null,"3.  Actual Solvency Margin A. (1) - A.(2)",null,null,null,null,null,{"$f":"I7-I9","v":0}]
[null,null,"   (N.B. See Regulatory Code for Non-Allowable/Allowable Assets)"]
[]
[]
[null,null,"B. Calculation of Minimum Solvency Margin (MSM)"]
[]
[null,null,"1.  20% if Annual Net Written Premium (ANWP) up to US$5M",null,null,null,null,null,0]
[]
[null,null,"2.  Where ANWP over US$5M: US$1M plus 10% of ANWP in excess of US$5M",null,null,null,null,null,0]
[]
[null,null,"3.  Life and Health only - Net Worth US$250,000",null,null,null,null,null,250000]
[]
[null,null,"   Total B.(1) + B.(2) + B.(3) (MSM)",null,null,null,null,null,{"$f":"I17+I19+I21","v":250000}]
[]
[null,null,"C.  A.(3) (ASM) above as a percentage of B. (MSM)",null,null,null,null,null,{"$f":"I11/I23","v":0},"%"]
[]
[]
[null,null,"Calculation Sheet for:"]
[null,null,null,"Consolidated Business"]
[null,null,null,"Domestic Business"]

{"sheet":"Policyholders & Claims","index":11,"n_rows":94,"n_cols":9,"rows_kept":94,"cut":false,"hidden":false,"merged":[[84,4,84,5],[59,3,59,5],[35,3,35,7],[37,5,37,6],[38,5,38,6],[39,5,39,6],[40,5,40,6],[41,5,41,6],[42,5,42,6],[44,3,44,7],[46,3,46,5],[60,3,60,5],[61,3,61,5],[62,3,62,5],[63,3,63,5],[64,3,64,5],[22,3,22,5],[7,3,7,9],[9,3,9,5],[81,4,81,5],[82,4,82,5],[47,3,47,5],[48,3,48,5],[49,3,49,5],[50,3,50,5],[52,3,52,5],[53,3,53,5],[55,3,55,5],[56,3,56,5],[10,3,10,5],[11,3,11,5],[12,3,12,5],[13,3,13,5],[15,3,15,5],[16,3,16,5],[18,3,18,5],[19,3,19,5],[83,4,83,5],[23,3,23,5],[24,3,24,5],[25,3,25,5],[26,3,26,5],[27,3,27,5]]}
[]
[null,"12.","POLICYHOLDERS IN THE VIRGIN ISLANDS"]
[]
[null,null,12.1,"Total number of policyholders in the Virgin Islands as at the end of the reporting period: "]
[]
[null,null,12.2,"Total premium of policyholders in the Virgin Islands as at the end of the reporting period:",null,null,null,null,0]
[]
[null,null,12.3,"Indicate below the total number of policyholders and total premiums by class of insurance:"]
[]
[null,null,null,"Property and Casualty Insurance Business",null,null,"No. of Policies","Total Premium"]
[null,null,null,"Class 1 - Motor Insurance",null,null,null,0]
[null,null,null,"Class 2 - Property Insurance",null,null,null,0]
[null,null,null,"Class 3 - Liability  Insurance",null,null,null,0]
[null,null,null,"Class 4 - Financial Loss Insurance",null,null,null,0]
[null,null,null,"Class 5 - Marine  ",null,null,null,0]
[null,null,null,"Class 5 - Aviation",null,null,null,0]
[null,null,null,"Class 6 - Good in Transit",null,null,null,0]
[null,null,null,"Class 7 - Accident   ",null,null,null,0]
[null,null,null,"Class 7 - Health",null,null,null,0]
[null,null,null,"Class 8 - Other General Insurance",null,null,null,0]
[]
[]
[null,null,null,"Life and Health Insurance Business",null,null,"No. of Policies","Total Premium"]
[null,null,null,"Class 9 - Annuity Business",null,null,null,0]
[null,null,null,"Class 10 - Life Insurance",null,null,null,0]
[null,null,null,"Class 11 - Life Insurance (Investment Related)",null,null,null,0]
[null,null,null,"Class 12 - Permanent Health Insurance",null,null,null,0]
[null,null,null,"Class 13 - Other Long-Term Insurance",null,null,null,0]
[]
[null,"13.","CLAIMS"]
[]
[null,null,13.1,"Total number of claims filed in the Virgin Islands within the reporting period: "]
[]
[null,null,13.2,"Total amount claimed within the reporting period:",null,null,null,null,0]
[]
[null,null,13.3,"Submit a report with this return labelled \"Item 13.3\" indicating the following with respect to each claim filed within the reporting period:"]
[]
[null,null,null,"Claim Number","Deductible","Reserve Amount",null,"Amount Paid"]
[null,null,null,null,0,0,null,0]
[null,null,null,null,0,0,null,0]
[null,null,null,null,0,0,null,0]
[null,null,null,null,0,0,null,0]
[null,null,null,null,0,0,null,0]
[]
[null,null,13.4,"Indicate the total number of claims and total paid in the Virgin Islands by class of insurance in the reporting period below:"]
[]
[null,null,null,"Property and Casualty Insurance Business",null,null,"Total No. of Claims","Total Paid"]
[null,null,null,"Class 1 - Motor Insurance",null,null,null,0]
[null,null,null,"Class 2 - Property Insurance",null,null,null,0]
[null,null,null,"Class 3 - Liability  Insurance",null,null,null,0]
[null,null,null,"Class 4 - Financial Loss Insurance",null,null,null,0]
[null,null,null,"Class 5 - Marine   ",null,null,null,0]
[null,null,null,"Class 5 - Aviation",null,null,null,0]
[null,null,null,"Class 6 - Good in Transit",null,null,null,0]
[null,null,null,"Class 7 - Accident  ",null,null,null,0]
[null,null,null,"Class 7 - Health",null,null,null,0]
[null,null,null,"Class 8 - Other General Insurance",null,null,null,0]
[]
[]
[null,null,null,"Life and Health Insurance Business",null,null,"Total No. of Claims","Total Paid"]
[null,null,null,"Class 9 - Annuity Business",null,null,null,0]
[null,null,null,"Class 10 - Life Insurance",null,null,null,0]
[null,null,null,"Class 11 - Life Insurance (Investment Related)",null,null,null,0]
[null,null,null,"Class 12 - Permanent Health Insurance",null,null,null,0]
[null,null,null,"Class 13 - Other Long-Term Insurance",null,null,null,0]
[]
[null,null,13.5,"Total number of claims settled/closed within the reporting period:"]
[]
[null,null,13.6,"Total number of claims that remained open as of the end of the reporting period:"]
[]
[null,null,13.7,"Total number of claims denied within the reporting period:"]
[]
[]
[null,"14.","ASSETS MAINTAINED IN THE VIRGIN ISLANDS"]
[null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,14.1,"Are the assets maintained in the Virgin Islands in accordance with section 15 of the Insurance Act, 2008?"]
[]
[null,null,14.2,"If the response to 14.1 is yes, complete the tables below based on the type of assets maintained:"]
[]
[null,null,null,"Domestic Business Trust"]
[]
[null,null,null,"Amount (US$)","Name of Trustee",null,"Date Established"]
[null,null,null,0]
[null,null,null,0]
[null,null,null,0]
[]
[null,null,null,"Regulatory Deposit"]
[]
[null,null,null,"Amount (US$)","Date Established"]
[null,null,null,0]
[]
[null,null,14.3,"Total domestic liabilities as at the end of the reporting period:",null,null,null,null,0]
[]
[null,null,null,"Please provide a breakdown of calculations relating to domestic liabilities. (click button)"]

{"sheet":"PI Coverage","index":12,"n_rows":48,"n_cols":10,"rows_kept":48,"cut":false,"hidden":false,"merged":[[9,3,9,8],[40,3,40,8],[42,3,42,8],[47,3,47,8],[35,3,36,8],[11,4,11,9],[19,4,20,9],[22,4,23,9],[29,4,31,9],[13,4,13,9],[33,3,33,5]]}
[]
[null,"15.","PROFESSIONAL INDEMNITY INSURANCE"]
[null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,15.1,"Does the licensee maintain professional indemnity insurance?"]
[]
[null,null,15.2,"If the response to 15.1 is yes, complete items 15.2.1 to 15.2.6 below:"]
[null,null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,"15.2.1","Has the licensee's professional indemnity insurance coverage changed from the previous reporting period?"]
[]
[null,null,"15.2.2","Provide details the licensee's professional indemnity insurance (PII) coverage during the reporting period below:"]
[]
[null,null,null,"Name of Insurer"]
[]
[null,null,null,"Jurisdiction of Insurer"]
[]
[null,null,null,"Level of cover (USD)",0]
[]
[null,null,null,"Level of excess Payable",0]
[]
[null,null,null,"Territorial limits"]
[]
[]
[null,null,null,"Details of any exclusions"]
[]
[]
[null,null,null,"Policy Effective Date"]
[]
[null,null,null,"Policy Expiration Date"]
[]
[null,null,null,"Details of any reinstatement "]
[]
[]
[]
[null,null,null,"Please provide a copy of your existing PII Coverage (click button)"]
[]
[null,null,"15.2.3","Has the PII coverage been reassessed to ensure that it is appropriate, taking into account the nature, size, complexity, structure and diversity of the licensee's business, during the reporting period?",null,null,null,null,null,"Select (Yes or No)"]
[]
[]
[null,null,null,"Policy Last Assessment Date"]
[]
[null,null,"15.2.4","Number of notifications made by the licensee to the insurer relating to potential claims during the reporting period:"]
[]
[null,null,"15.2.5","Detals of claims paid to the licensee by the licensee's insurer for the reporting period:"]
[null,null,null,null,null,"No. of Claims:"]
[]
[null,null,null,null,null,"Total Value of Claims:",0]
[null,null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,"15.2.6","Has the licensee's PII coverage lapsed at any times during the reporting period?"]

{"sheet":"F&P","index":13,"n_rows":32,"n_cols":8,"rows_kept":32,"cut":false,"hidden":false,"merged":[[32,3,52,7],[20,2,21,2],[20,3,21,6],[23,2,25,2],[23,3,25,6],[27,2,29,2],[27,3,29,6],[11,2,12,2],[11,3,12,6],[14,2,15,2],[14,3,15,6],[17,2,18,2],[17,3,18,6],[2,2,3,2],[2,3,3,6],[5,2,6,2],[5,3,6,6],[8,2,9,2],[8,3,9,6]]}
[]
[null,"16.","FITNESS AND PROPRIETY"]
[null,null,16.100000000000001,"Was the licensee or any of its directors, senior officers, shareholders, controllers or ultimate beneficial owners convicted of any criminal offence by a court of Law during the reporting period?",null,null,null,"Select (Yes or No)"]
[]
[]
[null,null,16.2,"Was the licensee or any of its directors, senior officers, shareholders, controllers or ultimate beneficial owners the subject of a criminal investigation or extradition request during the reporting period? "]
[]
[]
[null,null,16.3,"Was the licensee or any of its directors, senior officers, shareholders or ultimate beneficial owners censured or disciplined by any professional body to which they belong or belonged during the reporting period?"]
[]
[]
[null,null,16.399999999999999,"Were any of the licensee's directors, senior officers, shareholders, controllers or ultimate beneficial owners dismissed from office or employment or refused entry to any profession or occupation, during the reporting period? "]
[]
[]
[null,null,16.5,"Did the licensee or any of its directors, senior officers, shareholders, controllers or ultimate beneficial owners file for bankruptcy or were adjudicated bankrupt by any court, during the reporting period?"]
[]
[]
[null,null,16.600000000000001,"Did the licensee or any of its directors, senior officers, shareholders or ultimate beneficial owners fail to satisfy any debt due and payable as a judgement-debtor under any court order, during the reporting period?"]
[]
[]
[null,null,16.7,"Was the licensee or any of its directors, senior officers, shareholders, controllers or ultimate beneficial owners found liable in a civil suit which elicited dishonest or unlawful conduct, during the reporting period?"]
[]
[]
[null,null,16.8,"Was the licensee or any of its directors, officers, shareholders, controllers or beneficial owners, in connection with the formation, control or management of any corporate, partnership or unincorporated institution, adjudged by a court in any jurisdiction civilly liable for any fraud, malfeasance or other misconduct towards such a body or company, or towards any members thereof, during the reporting period?"]
[]
[]
[]
[null,null,16.899999999999999,"Has any body corporate, partnership or unincorporated institution with which the licensee was associated as director, shareholder or controller, anywhere, been compulsorily wound up or made any compromise or arrangement with its creditors where they did not receive or have not yet received a full settlement of their claims, during the reporting period?"]
[]
[]
[]
[null,null,16.100000000000001,"If the licensee has responded yes to any of the questions above, please provide full details including dates below: "]

{"sheet":"Meetings, Internal Audit, etc.","index":14,"n_rows":24,"n_cols":4,"rows_kept":24,"cut":false,"hidden":false,"merged":[[23,3,24,9],[18,3,19,9],[6,6,6,10],[7,6,7,10],[11,6,11,10],[12,6,12,10],[8,6,8,10],[10,6,10,10]]}
[]
[null,"17.","BOARD MEETINGS"]
[null,null,"(Insert responses or select applicable responses from the drop boxes as required)"]
[]
[null,null,"17.1","No. of Board meetings held during the reporting period:"]
[]
[null,null,"17.2","Location(s) of Board meetings held during the reporting period:"]
[]
[]
[]
[]
[]
[]
[]
[null,null,"17.3","No. of senior management reports submitted to the Board during the reporting period:"]
[]
[null,"18.","INTERNAL AUDIT"]
[]
[null,null,"18.1","Has the licensee carried out an internal audit during the reporting period in accordance with section 34(2) (b) of the Regulatory Code, 2009?"]
[]
[]
[null,"19.","ACTUARY "]
[]
[null,null,"19.1","Has the licensee's actuary assessed the licensee's solvency during the reporting period in accordance with section 146(1) of the Regulatory Code, 2009?"]

{"sheet":"Employees","index":15,"n_rows":48,"n_cols":8,"rows_kept":48,"cut":false,"hidden":false,"merged":[[33,3,33,4],[0,6,0,8],[4,3,4,7],[11,3,11,7],[13,3,14,5],[13,6,14,6],[15,3,15,5],[17,3,17,7],[19,3,19,4],[25,3,25,4],[31,3,31,7],[48,3,48,4],[55,3,55,4],[56,3,56,4],[57,3,57,4],[34,3,34,4],[41,3,41,4],[42,3,42,4],[43,3,43,4],[45,3,45,7],[47,3,47,4],[35,3,35,4],[36,3,36,4],[37,3,37,4],[38,3,38,4],[39,3,39,4],[40,3,40,4],[54,3,54,4],[49,3,49,4],[50,3,50,4],[51,3,51,4],[52,3,52,4],[53,3,53,4]]}
[]
[]
[null,"20.","EMPLOYEES"]
[]
[null,null,20.100000000000001,"Please state the number of staff employed to carry on the licensee's regulated insurance business activities and any other activities in the table below. "]
[]
[null,null,null,"Type of Activities","Number of Full-time (permanent/temporary) Staff (In the VI)","Number of Part-time (permanent/temporary) Staff (In the VI)","Number of Full-time  (permanent/temporary) Staff (Outside the VI)","Number of Part-time (permanent/temporary) Staff (Outside the VI)"]
[null,null,null,"Regulated insurance business activities:"]
[null,null,null,"Any other activities:"]
[null,null,null,"TOTAL ",{"$f":"SUM(E8:E9)","v":0},{"$f":"SUM(F8:F9)","v":0},{"$f":"SUM(G8:G9)","v":0},{"$f":"SUM(H8:H9)","v":0}]
[]
[null,null,20.2,"Please state the physical address of the licensee’s principal office or principal place of business outside the Virgin Islands and the number of staff employed at that location in the table below."]
[]
[null,null,null,"Address of Principal Office or Principal Place of Business Outside the Virgin Islands",null,null,"No. of Staff"]
[]
[]
[]
[null,null,20.3,"If any individual, in the Virgin Islands or elsewhere carries out regulated or any other activities on behalf of the licensee who is not an employee of the licensee, please state the number of individuals and country where they are located."]
[]
[null,null,null,"Property and Casualty Business Only"]
[]
[null,null,null,"Type of Activities","Number of Individual(s)","Location of Individual(s)"]
[null,null,null,"Regulated property and casualty business activities:"]
[null,null,null,"Any other activities:"]
[]
[null,null,null,"Life and Health Business Only"]
[]
[null,null,null,"Type of Activities","Number of Individual(s)","Location of Individual(s)"]
[null,null,null,"Regulated life and health business activities:"]
[null,null,null,"Any other activities:"]
[]
[null,null,20.399999999999999,"Indicate the number of staff in the Virgin Islands that joined the licensee during the reporting period by position held."]
[]
[null,null,null,"Position held ",null,"Number of Staff"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,20.5,"Indicate the number of staff in the Virgin Islands that left the licensee during the reporting period by position held."]
[]
[null,null,null,"Position held ",null,"Number of Staff"]

{"sheet":"Outsourcing","index":16,"n_rows":11,"n_cols":9,"rows_kept":11,"cut":false,"hidden":false,"merged":[[21,7,21,8],[15,7,15,8],[16,7,16,8],[17,7,17,8],[18,7,18,8],[19,7,19,8],[20,7,20,8],[10,4,10,6],[21,4,21,6],[11,4,11,6],[12,4,12,6],[13,4,13,6],[14,4,14,6],[18,4,18,6],[19,4,19,6],[20,4,20,6],[15,4,15,6],[16,4,16,6],[17,4,17,6],[11,7,11,8],[12,7,12,8],[13,7,13,8],[14,7,14,8],[10,7,10,8]]}
[]
[]
[null,"21.","OUTSOURCING"]
[null,null,"(Refer to the Explanatory Notes of section 50 of the Regulatory Code, 2009 for guidance on \"Outsourcing\".)"]
[]
[null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,"21.1","Did the licensee have any agreements in place to outsource any of its activities during the reporting period?"]
[]
[null,null,"21.1.1","If yes, please provide below, in relation to each entity to which activities have been outsourced, the name of the entity, the activities outsourced to the entity and the entity’s jurisdiction:"]
[]
[null,null,null,"Name of Entity","Outsourced Activities",null,null,"Jurisdiction of Entity"]

{"sheet":"Client Base (Geo)","index":17,"n_rows":260,"n_cols":19,"rows_kept":260,"cut":false,"hidden":false,"merged":[[3,4,3,10],[259,4,259,5],[6,6,6,18]]}
[]
[null,"22.","CLIENT BASE"]
[]
[null,null,22.1,null,"Number of clients from each jurisdiction, per applicable class of insurance business (as at the end of the reporting period):"]
[]
[null,null,null,null,null,null,"Class 1","Class 2","Class 3","Class 4","Class 5","Class 6","Class 7 ","Class 8","Class 9 ","Class 10","Class 11","Class 12","Class 13"]
[null,null,null,null,"Jurisdiction","Country Code","No. of Clients "]
[null,null,null,null,"Afghanistan","AFG",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Åland Islands","ALA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Albania","ALB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Algeria","DZA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"American Samoa","ASM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Andorra","AND",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Angola","AGO",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Anguilla","AIA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Antarctica","ATA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Antigua and Barbuda","ATG",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Argentina","ARG",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Armenia","ARM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Aruba","ABW",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Australia","AUS",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Austria","AUT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Azerbaijan","AZE",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Bahamas (the)","BHS",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Bahrain","BHR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Bangladesh","BGD",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Barbados","BRB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Belarus","BLR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Belgium","BEL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Belize","BLZ",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Benin","BEN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Bermuda","BMU",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Bhutan","BTN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Bolivia (Plurinational State of)","BOL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Bonaire, Sint Eustatius and Saba","BES",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Bosnia and Herzegovina","BIH",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Botswana","BWA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Bouvet Island","BVT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Brazil","BRA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"British Indian Ocean Territory (the)","IOT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Brunei Darussalam","BRN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Bulgaria","BGR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Burkina Faso","BFA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Burundi","BDI",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Cabo Verde","CPV",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Cambodia","KHM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Cameroon","CMR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Canada","CAN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Cayman Islands (the)","CYM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Central African Republic (the)","CAF",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Chad","TCD",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Chile","CHL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"China","CHN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Christmas Island","CXR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Cocos (Keeling) Islands (the)","CCK",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Colombia","COL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Comoros (the)","COM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Congo (the Democratic Republic of the)","COD",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Congo (the)","COG",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Cook Islands (the)","COK",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Costa Rica","CRI",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Côte d'Ivoire","CIV",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Croatia","HRV",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Cuba","CUB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Curaçao","CUW",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Cyprus","CYP",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Czech Republic","CZE",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Denmark","DNK",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Djibouti","DJI",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Dominica","DMA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Dominican Republic (the)","DOM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Ecuador","ECU",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Egypt","EGY",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"El Salvador","SLV",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Equatorial Guinea","GNQ",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Eritrea","ERI",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Estonia","EST",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Ethiopia","ETH",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Falkland Islands (the) [Malvinas]","FLK",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Faroe Islands (the)","FRO",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Fiji","FJI",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Finland","FIN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"France","FRA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"French Guiana","GUF",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"French Polynesia","PYF",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"French Southern Territories (the)","ATF",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Gabon","GAB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Gambia (the)","GMB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Georgia","GEO",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Germany","DEU",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Ghana","GHA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Gibraltar","GIB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Greece","GRC",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Greenland","GRL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Grenada","GRD",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Guadeloupe","GLP",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Guam","GUM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Guatemala","GTM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Guernsey","GGY",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Guinea","GIN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Guinea-Bissau","GNB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Guyana","GUY",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Haiti","HTI",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Heard Island and McDonald Islands","HMD",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Honduras","HND",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Hong Kong","HKG",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Hungary","HUN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Iceland","ISL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"India","IND",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Indonesia","IDN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Iran (Islamic Republic of)","IRN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Iraq","IRQ",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Ireland","IRL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Isle of Man","IMN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Israel","ISR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Italy","ITA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Jamaica","JAM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Japan","JPN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Jersey","JEY",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Jordan","JOR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Kazakhstan","KAZ",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Kenya","KEN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Kiribati","KIR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Korea (the Democratic People's Republic of)","PRK",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Korea (the Republic of)","KOR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Kosovo (the Republic of)","XKX",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Kuwait","KWT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Kyrgyzstan","KGZ",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Lao People's Democratic Republic (the)","LAO",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Latvia","LVA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Lebanon","LBN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Lesotho","LSO",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Liberia","LBR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Libya","LBY",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Liechtenstein","LIE",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Lithuania","LTU",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Luxembourg","LUX",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Macao","MAC",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Macedonia (the former Yugoslav Republic of)","MKD",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Madagascar","MDG",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Malawi","MWI",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Malaysia","MYS",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Maldives","MDV",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Mali","MLI",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Malta","MLT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Marshall Islands (the)","MHL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Martinique","MTQ",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Mauritania","MRT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Mauritius","MUS",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Mayotte","MYT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Mexico","MEX",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Micronesia (Federated States of)","FSM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Moldova (the Republic of)","MDA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Monaco","MCO",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Mongolia","MNG",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Montenegro","MNE",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Montserrat","MSR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Morocco","MAR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Mozambique","MOZ",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Myanmar","MMR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Namibia","NAM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Nauru","NRU",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Nepal","NPL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Netherlands (the)","NLD",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"New Caledonia","NCL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"New Zealand","NZL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Nicaragua","NIC",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Niger (the)","NER",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Nigeria","NGA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Niue","NIU",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Norfolk Island","NFK",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Northern Mariana Islands (the)","MNP",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Norway","NOR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Oman","OMN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Pakistan","PAK",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Palau","PLW",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Palestine, State of","PSE",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Panama","PAN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Papua New Guinea","PNG",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Paraguay","PRY",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Peru","PER",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Philippines (the)","PHL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Pitcairn Islands","PCN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Poland","POL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Portugal","PRT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Puerto Rico","PRI",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Qatar","QAT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Réunion","REU",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Romania","ROU",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Russian Federation (the)","RUS",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Rwanda","RWA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Saint Barthélemy","BLM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Saint Helena, Ascension and Tristan da Cunha","SHN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Saint Kitts and Nevis","KNA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Saint Lucia","LCA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Saint Martin (French part)","MAF",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Saint Pierre and Miquelon","SPM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Saint Vincent and the Grenadines","VCT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Samoa","WSM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"San Marino","SMR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Sao Tome and Principe","STP",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Saudi Arabia","SAU",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Senegal","SEN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Serbia","SRB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Seychelles","SYC",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Sierra Leone","SLE",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Singapore","SGP",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Sint Maarten (Dutch part)","SXM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Slovakia","SVK",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Slovenia","SVN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Solomon Islands","SLB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Somalia","SOM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"South Africa","ZAF",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"South Georgia and the South Sandwich Islands","SGS",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"South Sudan","SSD",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Spain","ESP",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Sri Lanka","LKA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Sudan (the)","SDN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Suriname","SUR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Svalbard and Jan Mayen","SJM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Swaziland","SWZ",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Sweden","SWE",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Switzerland","CHE",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Syrian Arab Republic","SYR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Taiwan (Province of China)","TWN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Tajikistan","TJK",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Tanzania, United Republic of","TZA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Thailand","THA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Timor-Leste","TLS",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Togo","TGO",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Tokelau","TKL",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Tonga","TON",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Trinidad and Tobago","TTO",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Tunisia","TUN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Turkey","TUR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Turkmenistan","TKM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Turks and Caicos Islands (the)","TCA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Tuvalu","TUV",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Uganda","UGA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Ukraine","UKR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"United Arab Emirates (the)","ARE",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"United Kingdom of Great Britain and Northern Ireland (the)","GBR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"United States Minor Outlying Islands (the)","UMI",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"United States of America (the)","USA",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Uruguay","URY",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Uzbekistan","UZB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Vanuatu","VUT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Vatican City State (Holy See)","VAT",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Venezuela (Bolivarian Republic of)","VEN",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Vietnam","VNM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Virgin Islands (British)","VGB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Virgin Islands (U.S.)","VIR",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Wallis and Futuna","WLF",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Western Sahara","ESH",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Yemen","YEM",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Zambia","ZMB",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Zimbabwe","ZWE",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"Unknown",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"TOTAL",null,{"$f":"SUM(G8:G259)","v":0},{"$f":"SUM(H8:H259)","v":0},{"$f":"SUM(I8:I259)","v":0},0,0,0,0,0,0,0,0,0,0]

{"sheet":"Business Continuity, etc.","index":18,"n_rows":12,"n_cols":8,"rows_kept":12,"cut":false,"hidden":false,"merged":[[0,7,0,8],[8,3,9,6],[11,3,12,6]]}
[]
[null,"23.","BUSINESS CONTINUITY AND USE OF TECHNOLOGY"]
[]
[null,null,23.1,"Date when the licensee's Business Continuity Plan was reviewed and updated:"]
[]
[null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,23.2,"Has the licensee's Business Continuity Plan been tested during the reporting period?"]
[]
[null,null,23.3,"Does the licensee have appropriate policies and procedures in place for the proper use of its IT (technological) infrastructure to guard against internal abuses and misuse?"]
[]
[]
[null,null,23.4,"Does the licensee have appropriate policies and procedures in place to guard against external threats of its IT (technological) infrastructure?"]

{"sheet":"Other Activities & Issues","index":19,"n_rows":21,"n_cols":9,"rows_kept":21,"cut":false,"hidden":false,"merged":[[18,3,18,7],[3,3,4,7],[7,3,14,8],[21,3,36,8]]}
[]
[null,"24.","OTHER BUSINESS ACTIVITIES"]
[null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,24.1,"Does the licensee perform activities other than those licensed to perform under the Insurance Act or any relevant financial services legislation?"]
[]
[]
[null,null,"24.1.1","If response to 24.1 is yes, describe these activities below:"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"25.","OTHER ISSUES"]
[null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,25.1,"Are there any industry and/or market-related issues to which you wish to draw to the Commission's attention?"]
[]
[null,null,"25.1.1","If response to 25.1 is yes, provide details below. "]

{"sheet":"Financial Soundness Indicators","index":20,"n_rows":35,"n_cols":6,"rows_kept":35,"cut":false,"hidden":false,"merged":[[9,2,9,3],[3,2,3,4],[4,2,4,4],[5,5,6,5],[33,5,34,5],[10,5,11,5],[12,2,12,3],[13,5,14,5],[15,2,15,3],[17,2,17,3],[29,2,29,3],[30,5,31,5],[18,5,19,5],[20,2,20,3],[21,5,22,5],[24,5,25,5],[26,2,26,3],[27,5,28,5]]}
[]
[null,"26.","FINANCIAL SOUNDNESS INDICATORS (BVI ONLY)"]
[]
[null,null,"LIQUIDITY RATIO"]
[null,1,"Liquid Assets to Current Liabilities"]
[null,null,null,"Current Assets",0,{"$f":"E6/E7","v":{"$error":"#DIV/0!"}}]
[null,null,null,"Current Liabilities",0]
[]
[null,null,"EARNINGS AND PROFITABILITY RATIOS"]
[null,2,"Loss Ratio"]
[null,null,null,"Net Losses Incurred",0,{"$f":"(E11/E12)*100","v":{"$error":"#DIV/0!"}}]
[null,null,null,"Net Premium Earned",0]
[null,3,"Expense Ratio"]
[null,null,null,"Total Underwriting Expenses",0,{"$f":"(E14/E15)*100","v":{"$error":"#DIV/0!"}}]
[null,null,null,"Net Premium Earned",0]
[null,4,"Combined Ratio"]
[null,null,null,"Loss Ratio + Expense Ratio ",{"$f":"F11+F14","v":{"$error":"#DIV/0!"}},{"$f":"F11+F14","v":{"$error":"#DIV/0!"}}]
[null,5,"Return on Investments"]
[null,null,null,"Net Investment Income",0,{"$f":"E19/E20","v":{"$error":"#DIV/0!"}}]
[null,null,null,"Total Investments",0]
[null,6,"Return on Equity "]
[null,null,null,"Net Income",0,{"$f":"E22/E23","v":{"$error":"#DIV/0!"}}]
[null,null,null,"Capital and Surplus",0]
[null,7,"Investment Income Ratio"]
[null,null,null,"Investment Income",0,{"$f":"E25/E26","v":{"$error":"#DIV/0!"}}]
[null,null,null,"Net Premium Earned",0]
[null,8,"Risk Retention Ratio"]
[null,null,null,"Net Premium Written",0,{"$f":"E28/E29","v":{"$error":"#DIV/0!"}}]
[null,null,null,"Gross Premium Written (GPW)",0]
[null,9,"Premium Growth Ratio"]
[null,null,null,"Current Year GPW - Previous Year GPW",0,{"$f":"E31/E32","v":{"$error":"#DIV/0!"}}]
[null,null,null,"Previous Year GPW",0]
[null,10,"Operating Ratio"]
[null,null,null,"Combined Ratio",{"$f":"F17","v":{"$error":"#DIV/0!"}},{"$f":"E34/E35","v":{"$error":"#DIV/0!"}}]
[null,null,null,"Investment Income Ratio",{"$f":"F25","v":{"$error":"#DIV/0!"}}]

{"sheet":"Declaration","index":21,"n_rows":19,"n_cols":12,"rows_kept":19,"cut":false,"hidden":false,"merged":[[3,2,3,13],[4,3,4,13],[6,3,6,6],[6,8,6,12],[14,3,14,6],[14,8,14,12],[12,4,12,12]]}
[]
[null,"26. DECLARATION"]
[]
[null,null,"DECLARATION"]
[null,null,null,"I am authorised to complete this declaration on behalf of the licensee. I certify that this return represents an accurate and fair view of the licensee's position at the above reporting period. I undertake that if there are other material facts affecting the licensee's affairs which, in my judgement should be disclosed, I will advise the Financial Services Commission.   I understand that the Commission may take enforcement action against the licensee under the Financial Services Commission Act where false, inaccurate or misleading information is submitted within this return."]
[]
[]
[null,null,null,"Name (Last Name, First Name)",null,null,null,null,"Name of Organisation (if not within Licensee)"]
[]
[null,null,null,"Relationship to Licensee: "]
[null,null,null,"       Insurance Agent ",null,"       Registered Agent",null,null,"Director/Senior Officer",null,null,"Employee"]
[]
[null,null,null,"Other (please specify): "]
[]
[]
[null,null,null,"Email Address",null,null,null,null,"Telephone Number"]
[]
[]
[null,null,null,"Date"]

{"sheet":"Answer Key","index":22,"n_rows":11,"n_cols":2,"rows_kept":11,"cut":false,"hidden":true,"merged":[[1,0,2,0]]}
[]
["Answer Key for Questions","Yes"]
[null,"No"]
[null,"N/A"]
[]
[]
[null,0]
[null,"1 to 4 "]
[null,"5 to 8 "]
[null,"9 to 12 "]
[null,"more than 12"]