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[null,null,null,{"$f":"IF($D$35<>\"\",Scenario6!EJ3,\"\")","v":""},null,{"$f":"IF($D$35<>\"\",IF(OR(Scenario6!EG8=\"Protect/Accum\",Scenario6!EG8=\"SunUniversalLife\",Scenario6!EG8=\"SunSpectrumUL\",Scenario6!EG8=\"Accelerator\",Scenario6!EG8=\"PermLife\"),IF(Calculations!AT3=\"English\",\"Year 1 cash value:\",IF(Calculations!AT3=\"French\",\"A1 valeur de rachat:\")),\"\"),\"\")","v":""},{"$f":"IF(F39=\"\",\"\",IF($D$35<>\"\",Calculations!AM3,\"\"))","v":""}]
[null,null,null,{"$f":"IF(Scenario6!EG2<>\"Empty Scenario\",IF(Calculations!AT3=\"English\",IF(ISNUMBER(Scenario6!EJ4),CONCATENATE(\"Offset at year \",Scenario6!EJ4,\" @ \",IF(Scenario6!EJ6=\"Current\",\"Current\",IF(Scenario6!EJ6=\"Current minus 1%\",\"C -1%\",IF(Scenario6!EJ6=\"Current minus 2%\",\"C -2%\",IF(Scenario6!EJ6=\"Custom\",\"Custom\"))))),IF(Scenario6!EJ6=\"Sun Term - NA\",\"\",Scenario6!EJ6)),IF(Calculations!AT3=\"French\",IF(ISNUMBER(Scenario6!EJ4),CONCATENATE(\"Année du PPP \",Scenario6!EJ4,\" @ \",IF(Scenario6!EJ6=\"Taux actuel\",\"Actuel\",IF(Scenario6!EJ6=\"Taux actuel moins 1%\",\"A -1%\",IF(Scenario6!EJ6=\"Taux actuel moins 2%\",\"A -2%\",IF(Scenario6!EJ6=\"Taux personnalisé\",\"Personnalisé\"))))),IF(Scenario6!EJ6=\"Temporaire - NA\",\"\",Scenario6!EJ6)))),\"\")","v":""},null,null,null,{"$f":"IF($D$35<>\"\",IF(Calculations!AT3=\"English\",\"Cash value\",IF(Calculations!AT3=\"French\",\"Valeur de 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(LE)\"),VLOOKUP(Scenario6!$EG$14,Calculations!$A$3:$AM$102,39,FALSE),IF(N$35=\"\",\"\",IF(N$35=Scenario6!EK11,(VLOOKUP(Scenario6!$EJ$11,Calculations!$A$3:$AM$102,39,FALSE)),VLOOKUP(INT(RIGHT(N$35,2)),Calculations!$A$3:$AM$102,39,FALSE)))),IF(Calculations!$AT$3=\"French\",IF(N$35=CONCATENATE(\"Ann. \",Scenario6!$EG$14,\" (EV)\"),VLOOKUP(Scenario6!$EG$14,Calculations!$A$3:$AM$102,39,FALSE),IF(N$35=\"\",\"\",IF(N$35=Scenario6!EK11,(VLOOKUP(Scenario6!$EJ$11,Calculations!$A$3:$AM$102,39,FALSE)),VLOOKUP(INT(RIGHT(N$35,2)),Calculations!$A$3:$AM$102,39,FALSE)))))),\"\")","v":""},{"$f":"IF($D$35<>\"\",IF(Calculations!$AT$3=\"English\",IF(O$35=CONCATENATE(\"Year \",Scenario6!$EG$14,\" (LE)\"),VLOOKUP(Scenario6!$EG$14,Calculations!$A$3:$AM$102,39,FALSE),IF(O$35=Scenario6!EK11,(VLOOKUP(Scenario6!$EJ$11,Calculations!$A$3:$AM$102,39,FALSE)),VLOOKUP(INT(RIGHT(O$35,2)),Calculations!$A$3:$AM$102,39,FALSE))),IF(Calculations!$AT$3=\"French\",IF(O$35=CONCATENATE(\"Année \",Scenario6!$EG$14,\" (EV)\"),VLOOKUP(Scenario6!$EG$14,Calculations!$A$3:$AM$102,39,FALSE),IF(O$35=Scenario6!EK11,(VLOOKUP(Scenario6!$EJ$11,Calculations!$A$3:$AM$102,39,FALSE)),VLOOKUP(INT(RIGHT(O$35,2)),Calculations!$A$3:$AM$102,39,FALSE))))),\"\")","v":""}]
[]
[]
[null,null,null,{"$f":"IF(Calculations!AT3=\"English\",\"¹Age in brackets beside client information depicts the estimated life expectancy with the associated client.\",IF(Calculations!AT3=\"French\",\"¹L'âge entre crochets affiché à côté des renseignements sur le client indique l'espérance de vie estimée du client.\"))","v":"¹Age in brackets beside client information depicts the estimated life expectancy with the associated client."}]
[null,null,null,"²Present value of cash value and cumulative premiums are calculated using an interest rate of"]
[null,null,null,"Page 1 OF 1"]
[]
[null,null,null,{"$f":"TODAY()","v":"2025-07-28"}]

{"sheet":"BBS Output","index":1,"n_rows":104,"n_cols":11,"rows_kept":104,"cut":false,"hidden":true,"merged":[[2,0,2,4],[2,6,2,10]]}
["M35",null,null,null,null,null,""]
[{"$f":"IF(ISNUMBER(Scenario1!A2),IF(Calculations!AT3=\"French\",CONCATENATE(Scenario1!EG18,\" \",Scenario1!EJ1),Calculations!$B$1),IF(Calculations!$AT$3=\"English\",\"Scenario 1:\",IF(Calculations!AT3=\"French\",\"Scénario 1:\")))","v":"Scenario 1:"},null,null,null,null,null,{"$f":"IF(ISNUMBER(Scenario2!A2),IF(Calculations!AT3=\"French\",CONCATENATE(Scenario2!EG18,\" \",Scenario2!EJ1),Calculations!$I$1),IF(Calculations!$AT$3=\"English\",\"Scenario 2:\",IF(Calculations!AT3=\"French\",\"Scénario 2:\")))","v":"Scenario 2:"}]
[]
["Year","Annual Premium","Total CSV","Impact on balance sheet","Impact on income statement",null,"Year","Annual Premium","Total CSV","Impact on balance sheet","Impact on income statement"]
[1,{"$f":"IFERROR(Calculations!B3,\"\")","v":""},{"$f":"IFERROR(Calculations!D3,\"\")","v":""},{"$f":"IFERROR(C5-SUM(B$5:B5),\"\")","v":""},{"$f":"IFERROR(D5,\"\")","v":""},null,1,{"$f":"IFERROR(Calculations!I3,\"\")","v":""},{"$f":"IFERROR(Calculations!K3,\"\")","v":""},{"$f":"IFERROR(I5-SUM(H$5:H5),\"\")","v":""},{"$f":"IFERROR(J5,\"\")","v":""}]
[{"$f":"A5+1","v":2},{"$f":"IFERROR(Calculations!B4,\"\")","v":""},{"$f":"IFERROR(Calculations!D4,\"\")","v":""},{"$f":"IFERROR(C6-SUM(B$5:B6),\"\")","v":""},{"$f":"IFERROR(D6-D5,\"\")","v":""},null,2,{"$f":"IFERROR(Calculations!I4,\"\")","v":""},{"$f":"IFERROR(Calculations!K4,\"\")","v":""},{"$f":"IFERROR(I6-SUM(H$5:H6),\"\")","v":""},{"$f":"IFERROR(J6-J5,\"\")","v":""}]
[{"$f":"A6+1","v":3},{"$f":"IFERROR(Calculations!B5,\"\")","v":""},{"$f":"IFERROR(Calculations!D5,\"\")","v":""},{"$f":"IFERROR(C7-SUM(B$5:B7),\"\")","v":""},{"$f":"IFERROR(D7-D6,\"\")","v":""},null,3,{"$f":"IFERROR(Calculations!I5,\"\")","v":""},{"$f":"IFERROR(Calculations!K5,\"\")","v":""},{"$f":"IFERROR(I7-SUM(H$5:H7),\"\")","v":""},{"$f":"IFERROR(J7-J6,\"\")","v":""}]
[4,{"$f":"IFERROR(Calculations!B6,\"\")","v":""},{"$f":"IFERROR(Calculations!D6,\"\")","v":""},{"$f":"IFERROR(C8-SUM(B$5:B8),\"\")","v":""},"",null,4,{"$f":"IFERROR(Calculations!I6,\"\")","v":""},{"$f":"IFERROR(Calculations!K6,\"\")","v":""},{"$f":"IFERROR(I8-SUM(H$5:H8),\"\")","v":""},""]
[5,{"$f":"IFERROR(Calculations!B7,\"\")","v":""},{"$f":"IFERROR(Calculations!D7,\"\")","v":""},{"$f":"IFERROR(C9-SUM(B$5:B9),\"\")","v":""},"",null,5,{"$f":"IFERROR(Calculations!I7,\"\")","v":""},{"$f":"IFERROR(Calculations!K7,\"\")","v":""},{"$f":"IFERROR(I9-SUM(H$5:H9),\"\")","v":""},""]
[6,{"$f":"IFERROR(Calculations!B8,\"\")","v":""},{"$f":"IFERROR(Calculations!D8,\"\")","v":""},{"$f":"IFERROR(C10-SUM(B$5:B10),\"\")","v":""},"",null,6,{"$f":"IFERROR(Calculations!I8,\"\")","v":""},{"$f":"IFERROR(Calculations!K8,\"\")","v":""},{"$f":"IFERROR(I10-SUM(H$5:H10),\"\")","v":""},""]
[7,{"$f":"IFERROR(Calculations!B9,\"\")","v":""},{"$f":"IFERROR(Calculations!D9,\"\")","v":""},{"$f":"IFERROR(C11-SUM(B$5:B11),\"\")","v":""},"",null,7,{"$f":"IFERROR(Calculations!I9,\"\")","v":""},{"$f":"IFERROR(Calculations!K9,\"\")","v":""},{"$f":"IFERROR(I11-SUM(H$5:H11),\"\")","v":""},""]
[8,{"$f":"IFERROR(Calculations!B10,\"\")","v":""},{"$f":"IFERROR(Calculations!D10,\"\")","v":""},{"$f":"IFERROR(C12-SUM(B$5:B12),\"\")","v":""},"",null,8,{"$f":"IFERROR(Calculations!I10,\"\")","v":""},{"$f":"IFERROR(Calculations!K10,\"\")","v":""},{"$f":"IFERROR(I12-SUM(H$5:H12),\"\")","v":""},""]
[9,{"$f":"IFERROR(Calculations!B11,\"\")","v":""},{"$f":"IFERROR(Calculations!D11,\"\")","v":""},{"$f":"IFERROR(C13-SUM(B$5:B13),\"\")","v":""},"",null,9,{"$f":"IFERROR(Calculations!I11,\"\")","v":""},{"$f":"IFERROR(Calculations!K11,\"\")","v":""},{"$f":"IFERROR(I13-SUM(H$5:H13),\"\")","v":""},""]
[10,{"$f":"IFERROR(Calculations!B12,\"\")","v":""},{"$f":"IFERROR(Calculations!D12,\"\")","v":""},{"$f":"IFERROR(C14-SUM(B$5:B14),\"\")","v":""},"",null,10,{"$f":"IFERROR(Calculations!I12,\"\")","v":""},{"$f":"IFERROR(Calculations!K12,\"\")","v":""},{"$f":"IFERROR(I14-SUM(H$5:H14),\"\")","v":""},""]
[11,{"$f":"IFERROR(Calculations!B13,\"\")","v":""},{"$f":"IFERROR(Calculations!D13,\"\")","v":""},{"$f":"IFERROR(C15-SUM(B$5:B15),\"\")","v":""},"",null,11,{"$f":"IFERROR(Calculations!I13,\"\")","v":""},{"$f":"IFERROR(Calculations!K13,\"\")","v":""},{"$f":"IFERROR(I15-SUM(H$5:H15),\"\")","v":""},""]
[12,{"$f":"IFERROR(Calculations!B14,\"\")","v":""},{"$f":"IFERROR(Calculations!D14,\"\")","v":""},{"$f":"IFERROR(C16-SUM(B$5:B16),\"\")","v":""},"",null,12,{"$f":"IFERROR(Calculations!I14,\"\")","v":""},{"$f":"IFERROR(Calculations!K14,\"\")","v":""},{"$f":"IFERROR(I16-SUM(H$5:H16),\"\")","v":""},""]
[13,{"$f":"IFERROR(Calculations!B15,\"\")","v":""},{"$f":"IFERROR(Calculations!D15,\"\")","v":""},{"$f":"IFERROR(C17-SUM(B$5:B17),\"\")","v":""},"",null,13,{"$f":"IFERROR(Calculations!I15,\"\")","v":""},{"$f":"IFERROR(Calculations!K15,\"\")","v":""},{"$f":"IFERROR(I17-SUM(H$5:H17),\"\")","v":""},""]
[14,{"$f":"IFERROR(Calculations!B16,\"\")","v":""},{"$f":"IFERROR(Calculations!D16,\"\")","v":""},{"$f":"IFERROR(C18-SUM(B$5:B18),\"\")","v":""},"",null,14,{"$f":"IFERROR(Calculations!I16,\"\")","v":""},{"$f":"IFERROR(Calculations!K16,\"\")","v":""},{"$f":"IFERROR(I18-SUM(H$5:H18),\"\")","v":""},""]
[15,{"$f":"IFERROR(Calculations!B17,\"\")","v":""},{"$f":"IFERROR(Calculations!D17,\"\")","v":""},{"$f":"IFERROR(C19-SUM(B$5:B19),\"\")","v":""},"",null,15,{"$f":"IFERROR(Calculations!I17,\"\")","v":""},{"$f":"IFERROR(Calculations!K17,\"\")","v":""},{"$f":"IFERROR(I19-SUM(H$5:H19),\"\")","v":""},""]
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["Tax Rates 2025"]
[]
["Province","Top marginal tax rate on capital gains","Top marginal tax rate on non-eligible dividends ","Corporate investment income tax for CCPCs","Top marginal tax rate on ordinary income"]
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["AB",24,42.3,46.67,48]
["BC",26.75,48.89,50.67,53.5]
["MB",25.2,46.67,50.67,50.4]
["NB",26.65,46.83,52.67,52.5]
["NL",27.4,48.96,53.67,54.8]
["NS",27,48.27,52.67,54]
["NT",23.53,36.82,50.17,47.05]
["NU",22.25,37.79,50.67,44.5]
["ON",26.77,47.74,50.17,53.53]
["PE",25.69,47.92,54.67,52]
["QC",26.66,48.7,50.17,53.31]
["SK",23.75,41.34,50.67,47.5]
["YT",24,44.05,50.67,48]

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LE?",null,null,null,null,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Grace Jin",{"$f":"TODAY()","v":"2025-07-28"},{"$f":"AU13","v":"2"},{"$f":"Scenario1!EL2","v":false},{"$f":"IF(Scenario1!EL3=FALSE,NA(),Scenario1!EL3)","v":{"$error":"#N/A"}},{"$f":"IF(Scenario1!$EJ$1=FALSE,NA(),Scenario1!$EJ$1)","v":{"$error":"#N/A"}},{"$f":"Scenario1!EJ7","v":{"$error":"#N/A"}},{"$f":"IF(Scenario1!$EJ$8=\"-\",NA(),Scenario1!$EJ$8)","v":{"$error":"#N/A"}},{"$f":"'Comparison Summary'!G7","v":""},{"$f":"IF(OR(LEFT(BN14,7)=\"Sun Par\",RIGHT(BN14,16)=\"participation II\"),Scenario1!$EJ$4)","v":{"$error":"#N/A"}},{"$f":"IF(OR(LEFT(BN14,7)=\"Sun Par\",RIGHT(BN14,16)=\"participation 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secondaire)\",Scenario5!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario5!EG$4=\"Autre taux\",(Scenario5!BL16),HLOOKUP(\"CBR (autre taux)\",Scenario5!$A$1:$EC$100,Calculations!$A17+1,FALSE))))))))))),NA())","v":{"$error":"#N/A"}},{"$f":"IF(ISNUMBER(Scenario5!J16),IF(Scenario5!$EG$10=\"English\",IF(Scenario5!$EG$8=\"Protect/Accum\",IF(Scenario5!EG$4=\"Current\",(Scenario5!BR16),IF(Scenario5!EG$4=\"Current minus 1%\",(Scenario5!BS16),IF(Scenario5!EG$4=\"Custom\",(Scenario5!BS16),IF(Scenario5!EG$4=\"Current minus 2%\",(Scenario5!BT16))))),IF(Scenario5!$EG$8=\"Accelerator\",IF(Scenario5!EG$4=\"Current\",(Scenario5!BF16),IF(Scenario5!EG$4=\"Current minus 1%\",(Scenario5!BG16),IF(Scenario5!EG$4=\"Custom\",(Scenario5!BG16),IF(Scenario5!EG$4=\"Current minus 2%\",(Scenario5!BH16))))),IF(Scenario5!EG$4=\"Sun Term - NA\",HLOOKUP(\"CDA Credit\",Scenario5!$A$1:$S$100,Calculations!$A17+1,FALSE),IF(Scenario5!$EG$8=\"SunSpectrumUL\",(IF(Scenario5!EG$4=\"Primary rate\",(Scenario5!BI16), IF(Scenario5!EG$4=\"Secondary rate\",(Scenario5!BJ16),IF(Scenario5!EG$4=\"Alternate rate\",(Scenario5!BK16))))),IF(Scenario5!$EG$8=\"PermLife\",(Scenario5!AE16),IF(Scenario5!$EG$8=\"SunUniversalLife\",IF(Scenario5!EG$4=\"Primary rate\",HLOOKUP(\"CDA credit (Primary rate)\",Scenario5!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario5!EG$4=\"Secondary rate\",HLOOKUP(\"CDA credit (Secondary rate)\",Scenario5!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario5!EG$4=\"Alternate rate\",HLOOKUP(\"CDA credit (Alternate rate)\",Scenario5!$A$1:$EC$100,Calculations!$A17+1,FALSE)))))))))),IF(Scenario5!$EG$8=\"Protect/Accum\",IF(Scenario5!EG$4=\"Taux actuel\",(Scenario5!BR16),IF(Scenario5!EG$4=\"Taux actuel moins 1%\",(Scenario5!BS16),IF(Scenario5!EG$4=\"Taux personnalisé\",(Scenario5!BS16),IF(Scenario5!EG$4=\"Taux actuel moins 2%\",(Scenario5!BT16))))),IF(Scenario5!$EG$8=\"Accelerator\",IF(Scenario5!EG$4=\"Taux actuel\",(Scenario5!BF16),IF(Scenario5!EG$4=\"Taux actuel moins 1%\",(Scenario5!BG16),IF(Scenario5!EG$4=\"Taux personnalisé\",(Scenario5!BG16),IF(Scenario5!EG$4=\"Taux actuel moins 2%\",(Scenario5!BH16))))),IF(Scenario5!EG$4=\"Temporaire - NA\",HLOOKUP(\"Crédit au CDC\",Scenario5!$A$1:$S$100,Calculations!$A17+1,FALSE),IF(Scenario5!$EG$8=\"PermLife\",(Scenario5!AE16),IF(Scenario5!$EG$8=\"SunSpectrumUL\",(IF(Scenario5!EG$4=\"Taux principal\",(Scenario5!BI16), IF(Scenario5!EG$4=\"Taux secondaire\",(Scenario5!BJ16),IF(Scenario5!EG$4=\"Autre taux\",(Scenario5!BK16))))),IF(Scenario5!$EG$8=\"SunUniversalLife\",IF(Scenario5!EG$4=\"Taux principal\",HLOOKUP(\"Crédit au CDC (taux principal)\",Scenario5!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario5!EG$4=\"Taux secondaire\",HLOOKUP(\"Crédit au CDC (taux secondaire)\",Scenario5!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario5!EG$4=\"Autre taux\",(Scenario5!BL16),HLOOKUP(\"Crédit au CDC (autre taux)\",Scenario5!$A$1:$EC$100,Calculations!$A17+1,FALSE))))))))))),NA())","v":{"$error":"#N/A"}},{"$f":"IF(ISNUMBER(Scenario6!F16),IF(Scenario6!$EG$10=\"English\",IF(Scenario6!$EG$8=\"Protect/Accum\",IF(Scenario6!EG$4=\"Current\",(Scenario6!F16-Scenario6!AJ16),IF(Scenario6!EG$4=\"Current minus 1%\",(Scenario6!G16-Scenario6!AK16),IF(Scenario6!EG$4=\"Custom\",(Scenario6!G16-Scenario6!AK16),IF(Scenario6!EG$4=\"Current minus 2%\",(Scenario6!H16-Scenario6!AL16))))),IF(Scenario6!$EG$8=\"Accelerator\",IF(Scenario6!EG$4=\"Current\",(Scenario6!F16),IF(Scenario6!EG$4=\"Current minus 1%\",(Scenario6!G16),IF(Scenario6!EG$4=\"Custom\",(Scenario6!G16),IF(Scenario6!EG$4=\"Current minus 2%\",(Scenario6!H16))))),IF(Scenario6!EG$4=\"Sun Term - NA\",IF(Scenario6!EG$6=\"Monthly\",(Scenario6!K16),(Scenario6!G16)),IF(Scenario6!EG$4=\"Not applicable\",IF(Scenario6!$EG$8=\"PermLife\",IF(VLOOKUP(\"Premium Frequency\",Scenario6!$A$150:'Scenario6'!$B$170,2,FALSE)=\"Monthly\",(Scenario6!F16*12),(Scenario6!F16))),(Scenario6!C16))))),IF(Scenario6!$EG$8=\"Protect/Accum\",IF(Scenario6!EG$4=\"Taux actuel\",(Scenario6!F16-Scenario6!AJ16),IF(Scenario6!EG$4=\"Taux actuel moins 1%\",(Scenario6!G16-Scenario6!AK16),IF(Scenario6!EG$4=\"Taux personnalisé\",(Scenario6!G16-Scenario6!AK16),IF(Scenario6!EG$4=\"Taux actuel moins 2%\",(Scenario6!H16-Scenario6!AL16))))),IF(Scenario6!$EG$8=\"Accelerator\",IF(Scenario6!EG$4=\"Taux actuel\",(Scenario6!F16),IF(Scenario6!EG$4=\"Taux actuel moins 1%\",(Scenario6!G16),IF(Scenario6!EG$4=\"Taux personnalisé\",(Scenario6!G16),IF(Scenario6!EG$4=\"Taux actuel moins 2%\",(Scenario6!H16))))),IF(Scenario6!EG$4=\"Temporaire - NA\",IF(Scenario6!EG$6=\"Monthly\",(Scenario6!K16),(Scenario6!G16)),IF(Scenario6!EG$4=\"Pas applicable\",IF(Scenario6!$EG$8=\"PermLife\",IF(VLOOKUP(\"Périodicité de la prime\",Scenario6!$A$150:'Scenario6'!$B$170,2,FALSE)=\"Mensuelle\",(Scenario6!F16*12),(Scenario6!F16))),(Scenario6!C16)))))),NA())","v":{"$error":"#N/A"}},{"$f":"SUM($AK$3,NPV($AT$11,AK$4:AK17))","v":{"$error":"#N/A"}},{"$f":"IF(ISNUMBER(Scenario6!J16),IF(Scenario6!$EG$10=\"English\",IF(Scenario6!$EG$8=\"Protect/Accum\",IF(Scenario6!EG$4=\"Current\",(Scenario6!J16),IF(Scenario6!EG$4=\"Current minus 1%\",(Scenario6!K16),IF(Scenario6!EG$4=\"Custom\",(Scenario6!K16),IF(Scenario6!EG$4=\"Current minus 2%\",(Scenario6!L16))))),IF(Scenario6!$EG$8=\"Accelerator\",IF(Scenario6!EG$4=\"Current\",(Scenario6!J16),IF(Scenario6!EG$4=\"Current minus 1%\",(Scenario6!K16),IF(Scenario6!EG$4=\"Custom\",(Scenario6!K16),IF(Scenario6!EG$4=\"Current minus 2%\",(Scenario6!L16))))),IF(Scenario6!EG$4=\"Sun Term - NA\",0,IF(Scenario6!$EG$8=\"SunSpectrumUL\",(IF(Scenario6!EG$4=\"Primary rate\",(Scenario6!M16),IF(Scenario6!EG$4=\"Secondary rate\",(Scenario6!N16),IF(Scenario6!EG$4=\"Alternate rate\",(Scenario6!O16),(Scenario6!C16))))),IF(Scenario6!$EG$8=\"PermLife\",(Scenario6!C16),IF(AND(Scenario6!$EG$8=\"SunUniversalLife\",Scenario6!$EJ$21=1),IF(Scenario6!EG$4=\"Primary rate\",(Scenario6!N16),IF(Scenario6!EG$4=\"Secondary rate\",(Scenario6!O16),IF(Scenario6!EG$4=\"Alternate rate\",(Scenario6!P16)))),IF(Scenario6!EG$4=\"Primary rate\",(Scenario6!M16),IF(Scenario6!EG$4=\"Secondary rate\",(Scenario6!N16),IF(Scenario6!EG$4=\"Alternate rate\",(Scenario6!O16)))))))))),IF(Scenario6!$EG$8=\"Protect/Accum\",IF(Scenario6!EG$4=\"Taux actuel\",(Scenario6!J16),IF(Scenario6!EG$4=\"Taux actuel moins 1%\",(Scenario6!K16),IF(Scenario6!EG$4=\"Taux personnalisé\",(Scenario6!K16),IF(Scenario6!EG$4=\"Taux actuel moins 2%\",(Scenario6!L16))))),IF(Scenario6!$EG$8=\"Accelerator\",IF(Scenario6!EG$4=\"Taux actuel\",(Scenario6!J16),IF(Scenario6!EG$4=\"Taux actuel moins 1%\",(Scenario6!K16),IF(Scenario6!EG$4=\"Taux personnalisé\",(Scenario6!K16),IF(Scenario6!EG$4=\"Taux actuel moins 2%\",(Scenario6!L16))))),IF(Scenario6!EG$4=\"Temporaire - NA\",0,IF(Scenario6!$EG$8=\"SunSpectrumUL\",(IF(Scenario6!EG$4=\"Taux principal\",(Scenario6!M16),IF(Scenario6!EG$4=\"Taux secondaire\",(Scenario6!N16),IF(Scenario6!EG$4=\"Autre taux\",(Scenario6!O16),(Scenario6!C16))))),IF(Scenario6!$EG$8=\"PermLife\",(Scenario6!C16),IF(AND(Scenario6!$EG$8=\"SunUniversalLife\",Scenario6!$EJ$21=1),IF(Scenario6!EG$4=\"Taux principal\",(Scenario6!N16),IF(Scenario6!EG$4=\"Taux secondaire\",(Scenario6!O16),IF(Scenario6!EG$4=\"Autre taux\",(Scenario6!P16),(Scenario6!C16)))),IF(Scenario6!EG$4=\"Taux principal\",(Scenario6!M16),IF(Scenario6!EG$4=\"Taux secondaire\",(Scenario6!N16),IF(Scenario6!EG$4=\"Autre taux\",(Scenario6!O16),(Scenario6!C16))))))))))),NA())","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$f":"IF(ISNUMBER(Scenario6!C16),IF(Scenario6!$EG$10=\"English\",IF(Scenario6!$EG$8=\"Protect/Accum\",IF(Scenario6!EG$4=\"Current\",(Scenario6!O16),IF(Scenario6!EG$4=\"Current minus 1%\",(Scenario6!P16),IF(Scenario6!EG$4=\"Custom\",(Scenario6!P16),IF(Scenario6!EG$4=\"Current minus 2%\",(Scenario6!Q16))))),IF(Scenario6!$EG$8=\"Accelerator\",IF(Scenario6!EG$4=\"Current\",(Scenario6!O16),IF(Scenario6!EG$4=\"Current minus 1%\",(Scenario6!P16),IF(Scenario6!EG$4=\"Custom\",(Scenario6!P16),IF(Scenario6!EG$4=\"Current minus 2%\",(Scenario6!Q16))))),IF(Scenario6!EG$4=\"Sun Term - NA\",HLOOKUP(\"Total Policy Death Benefit\",Scenario6!$A$1:$G$100,Calculations!$A17+1,FALSE),IF(Scenario6!$EG$8=\"SunSpectrumUL\",(IF(Scenario6!EG$4=\"Primary rate\",(Scenario6!Q16),IF(Scenario6!EG$4=\"Secondary rate\",(Scenario6!R16),IF(Scenario6!EG$4=\"Alternate rate\",(Scenario6!S16))))),IF(Scenario6!$EG$8=\"PermLife\",(Scenario6!E16),IF(AND(Scenario6!$EG$8=\"SunUniversalLife\",Scenario6!$EJ$21=1),IF(Scenario6!EG$4=\"Primary rate\",(Scenario6!S16),IF(Scenario6!EG$4=\"Secondary rate\",(Scenario6!T16),IF(Scenario6!EG$4=\"Alternate rate\",(Scenario6!U16)))),IF(Scenario6!EG$4=\"Primary rate\",(Scenario6!R16),IF(Scenario6!EG$4=\"Secondary rate\",(Scenario6!S16),IF(Scenario6!EG$4=\"Alternate rate\",(Scenario6!T16)))))))))),IF(Scenario6!$EG$8=\"Protect/Accum\",IF(Scenario6!EG$4=\"Taux actuel\",(Scenario6!O16),IF(Scenario6!EG$4=\"Taux actuel moins 1%\",(Scenario6!P16),IF(Scenario6!EG$4=\"Taux personnalisé\",(Scenario6!P16),IF(Scenario6!EG$4=\"Taux actuel moins 2%\",(Scenario6!Q16))))),IF(Scenario6!$EG$8=\"Accelerator\",IF(Scenario6!EG$4=\"Taux actuel\",(Scenario6!O16),IF(Scenario6!EG$4=\"Taux actuel moins 1%\",(Scenario6!P16),IF(Scenario6!EG$4=\"Taux personnalisé\",(Scenario6!P16),IF(Scenario6!EG$4=\"Taux actuel moins 2%\",(Scenario6!Q16))))),IF(Scenario6!EG$4=\"Temporaire - NA\",HLOOKUP(\"Capital-décès total du contrat\",Scenario6!$A$1:$G$100,Calculations!$A17+1,FALSE),IF(Scenario6!$EG$8=\"SunSpectrumUL\",(IF(Scenario6!EG$4=\"Taux principal\",(Scenario6!Q16),IF(Scenario6!EG$4=\"Taux secondaire\",(Scenario6!R16),IF(Scenario6!EG$4=\"Autre taux\",(Scenario6!S16))))),IF(Scenario6!$EG$8=\"PermLife\",(Scenario6!E16),IF(AND(Scenario6!$EG$8=\"SunUniversalLife\",Scenario6!$EJ$21=1),IF(Scenario6!EG$4=\"Taux principal\",(Scenario6!S16),IF(Scenario6!EG$4=\"Taux secondaire\",(Scenario6!T16),IF(Scenario6!EG$4=\"Autre taux\",(Scenario6!U16),(Scenario6!E16)))),IF(Scenario6!EG$4=\"Taux principal\",(Scenario6!R16),IF(Scenario6!EG$4=\"Taux secondaire\",(Scenario6!S16),IF(Scenario6!EG$4=\"Autre taux\",(Scenario6!T16),(Scenario6!E16))))))))))),NA())","v":{"$error":"#N/A"}},{"$f":"IF(ISNUMBER(Scenario6!M16),IF(Scenario6!$EG$10=\"English\",IF(Scenario6!$EG$8=\"Protect/Accum\",IF(Scenario6!EG$4=\"Current\",(Scenario6!BO16),IF(Scenario6!EG$4=\"Current minus 1%\",(Scenario6!BP16),IF(Scenario6!EG$4=\"Custom\",(Scenario6!BP16),IF(Scenario6!EG$4=\"Current minus 2%\",(Scenario6!BQ16))))),IF(Scenario6!$EG$8=\"Accelerator\",IF(Scenario6!EG$4=\"Current\",(Scenario6!BC16),IF(Scenario6!EG$4=\"Current minus 1%\",(Scenario6!BD16),IF(Scenario6!EG$4=\"Custom\",(Scenario6!BD16),IF(Scenario6!EG$4=\"Current minus 2%\",(Scenario6!BE16))))),IF(Scenario6!EG$4=\"Sun Term - NA\",HLOOKUP(\"ACB\",Scenario6!$A$1:$S$100,Calculations!$A17+1,FALSE),IF(Scenario6!$EG$8=\"SunSpectrumUL\",(IF(Scenario6!EG$4=\"Primary rate\",(Scenario6!BF16),IF(Scenario6!EG$4=\"Secondary rate\",(Scenario6!BG16),IF(Scenario6!EG$4=\"Alternate rate\",(Scenario6!BH16))))),IF(Scenario6!$EG$8=\"PermLife\",(Scenario6!AD16),IF(Scenario6!$EG$8=\"SunUniversalLife\",IF(Scenario6!EG$4=\"Primary rate\",HLOOKUP(\"ACB (Primary rate)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario6!EG$4=\"Secondary rate\",HLOOKUP(\"ACB (Secondary rate)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario6!EG$4=\"Alternate rate\",HLOOKUP(\"ACB (Alternate rate)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE)))))))))),IF(Scenario6!$EG$8=\"Protect/Accum\",IF(Scenario6!EG$4=\"Taux actuel\",(Scenario6!BO16),IF(Scenario6!EG$4=\"Taux actuel moins 1%\",(Scenario6!BP16),IF(Scenario6!EG$4=\"Taux personnalisé\",(Scenario6!BP16),IF(Scenario6!EG$4=\"Taux actuel moins 2%\",(Scenario6!BQ16))))),IF(Scenario6!$EG$8=\"Accelerator\",IF(Scenario6!EG$4=\"Taux actuel\",(Scenario6!BC16),IF(Scenario6!EG$4=\"Taux actuel moins 1%\",(Scenario6!BD16),IF(Scenario6!EG$4=\"Taux personnalisé\",(Scenario6!BD16),IF(Scenario6!EG$4=\"Taux actuel moins 2%\",(Scenario6!BE16))))),IF(Scenario6!EG$4=\"Temporaire - NA\",HLOOKUP(\"CBR\",Scenario6!$A$1:$S$100,Calculations!$A17+1,FALSE),IF(Scenario6!$EG$8=\"PermLife\",(Scenario6!AD16),IF(Scenario6!$EG$8=\"SunSpectrumUL\",(IF(Scenario6!EG$4=\"Taux principal\",(Scenario6!BF16),IF(Scenario6!EG$4=\"Taux secondaire\",(Scenario6!BG16),IF(Scenario6!EG$4=\"Autre taux\",(Scenario6!BH16))))),IF(Scenario6!$EG$8=\"SunUniversalLife\",IF(Scenario6!EG$4=\"Taux principal\",HLOOKUP(\"CBR (taux principal)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario6!EG$4=\"Taux secondaire\",HLOOKUP(\"CBR (taux secondaire)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario6!EG$4=\"Autre taux\",(Scenario6!BL16),HLOOKUP(\"CBR (autre taux)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE))))))))))),NA())","v":{"$error":"#N/A"}},{"$f":"IF(ISNUMBER(Scenario6!J16),IF(Scenario6!$EG$10=\"English\",IF(Scenario6!$EG$8=\"Protect/Accum\",IF(Scenario6!EG$4=\"Current\",(Scenario6!BR16),IF(Scenario6!EG$4=\"Current minus 1%\",(Scenario6!BS16),IF(Scenario6!EG$4=\"Custom\",(Scenario6!BS16),IF(Scenario6!EG$4=\"Current minus 2%\",(Scenario6!BT16))))),IF(Scenario6!$EG$8=\"Accelerator\",IF(Scenario6!EG$4=\"Current\",(Scenario6!BF16),IF(Scenario6!EG$4=\"Current minus 1%\",(Scenario6!BG16),IF(Scenario6!EG$4=\"Custom\",(Scenario6!BG16),IF(Scenario6!EG$4=\"Current minus 2%\",(Scenario6!BH16))))),IF(Scenario6!EG$4=\"Sun Term - NA\",HLOOKUP(\"CDA Credit\",Scenario6!$A$1:$S$100,Calculations!$A17+1,FALSE),IF(Scenario6!$EG$8=\"SunSpectrumUL\",(IF(Scenario6!EG$4=\"Primary rate\",(Scenario6!BI16), IF(Scenario6!EG$4=\"Secondary rate\",(Scenario6!BJ16),IF(Scenario6!EG$4=\"Alternate rate\",(Scenario6!BK16))))),IF(Scenario6!$EG$8=\"PermLife\",(Scenario6!AE16),IF(Scenario6!$EG$8=\"SunUniversalLife\",IF(Scenario6!EG$4=\"Primary rate\",HLOOKUP(\"CDA credit (Primary rate)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario6!EG$4=\"Secondary rate\",HLOOKUP(\"CDA credit (Secondary rate)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario6!EG$4=\"Alternate rate\",HLOOKUP(\"CDA credit (Alternate rate)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE)))))))))),IF(Scenario6!$EG$8=\"Protect/Accum\",IF(Scenario6!EG$4=\"Taux actuel\",(Scenario6!BR16),IF(Scenario6!EG$4=\"Taux actuel moins 1%\",(Scenario6!BS16),IF(Scenario6!EG$4=\"Taux personnalisé\",(Scenario6!BS16),IF(Scenario6!EG$4=\"Taux actuel moins 2%\",(Scenario6!BT16))))),IF(Scenario6!$EG$8=\"Accelerator\",IF(Scenario6!EG$4=\"Taux actuel\",(Scenario6!BF16),IF(Scenario6!EG$4=\"Taux actuel moins 1%\",(Scenario6!BG16),IF(Scenario6!EG$4=\"Taux personnalisé\",(Scenario6!BG16),IF(Scenario6!EG$4=\"Taux actuel moins 2%\",(Scenario6!BH16))))),IF(Scenario6!EG$4=\"Temporaire - NA\",HLOOKUP(\"Crédit au CDC\",Scenario6!$A$1:$S$100,Calculations!$A17+1,FALSE),IF(Scenario6!$EG$8=\"PermLife\",(Scenario6!AE16),IF(Scenario6!$EG$8=\"SunSpectrumUL\",(IF(Scenario6!EG$4=\"Taux principal\",(Scenario6!BI16), IF(Scenario6!EG$4=\"Taux secondaire\",(Scenario6!BJ16),IF(Scenario6!EG$4=\"Autre taux\",(Scenario6!BK16))))),IF(Scenario6!$EG$8=\"SunUniversalLife\",IF(Scenario6!EG$4=\"Taux principal\",HLOOKUP(\"Crédit au CDC (taux principal)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario6!EG$4=\"Taux secondaire\",HLOOKUP(\"Crédit au CDC (taux secondaire)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE),IF(Scenario6!EG$4=\"Autre taux\",(Scenario6!BL16),HLOOKUP(\"Crédit au CDC (autre taux)\",Scenario6!$A$1:$EC$100,Calculations!$A17+1,FALSE))))))))))),NA())","v":{"$error":"#N/A"}},null,"Comparison Summary",{"$f":"IF(ISNA(Scenario1!$EG$6),IF(Scenario1!$A$1=\"Year\",VLOOKUP(\"P2 Smoker\",Scenario1!A152:B190,2,FALSE),VLOOKUP(\"P2 Fumeur\",Scenario1!A152:B190,2,FALSE)),IF(ISNA(Scenario2!$EG$6),IF(Scenario2!$A$1=\"Year\",VLOOKUP(\"P2 Smoker\",Scenario2!A152:B190,2,FALSE),VLOOKUP(\"P2 Fumeur\",Scenario2!A152:B190,2,FALSE)),IF(ISNA(Scenario3!$EG$6),IF(Scenario3!$A$1=\"Year\",VLOOKUP(\"P2 Smoker\",Scenario3!A152:B190,2,FALSE),VLOOKUP(\"P2 Fumeur\",Scenario3!A152:B190,2,FALSE)),IF(ISNA(Scenario4!$EG$6),IF(Scenario4!$A$1=\"Year\",VLOOKUP(\"P2 Smoker\",Scenario4!A152:B190,2,FALSE),VLOOKUP(\"P2 Fumeur\",Scenario4!A152:B190,2,FALSE)),IF(ISNA(Scenario5!$EG$6),IF(Scenario5!$A$1=\"Year\",VLOOKUP(\"P2 Smoker\",Scenario5!A152:B190,2,FALSE),VLOOKUP(\"P2 Fumeur\",Scenario5!A152:B190,2,FALSE)),IF(ISNA(Scenario6!$EG$6),IF(Scenario6!$A$1=\"Year\",VLOOKUP(\"P2 Smoker\",Scenario6!A152:B190,2,FALSE),VLOOKUP(\"P2 Fumeur\",Scenario6!A152:B190,2,FALSE)),\"\"))))))","v":{"$error":"#N/A"}},1,null,null,null,null,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"HLOOKUP(Calculations!$FO$1,Scenario1!$A$1:$AE$101,Calculations!FA17+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FP$1,Scenario1!$A$1:$AE$101,Calculations!FA17+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FQ$1,Scenario1!$A$1:$AE$101,Calculations!FA17+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FR$1,Scenario1!$A$1:$AE$101,Calculations!FA17+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FS$1,Scenario1!$A$1:$AE$101,Calculations!FA17+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FT$1,Scenario1!$A$1:$AE$101,Calculations!FA17+1,FALSE)","v":{"$error":"#N/A"}}]
[{"$error":"#N/A"},{"$f":"IF(ISNUMBER(Scenario1!F17),IF(Scenario1!$EG$10=\"English\",IF(Scenario1!$EG$8=\"Protect/Accum\",IF(Scenario1!EG$4=\"Current\",(Scenario1!F17-Scenario1!AJ17),IF(Scenario1!EG$4=\"Current minus 1%\",(Scenario1!G17-Scenario1!AK17),IF(Scenario1!EG$4=\"Custom\",(Scenario1!G17-Scenario1!AK17),IF(Scenario1!EG$4=\"Current minus 2%\",(Scenario1!H17-Scenario1!AL17))))),IF(Scenario1!$EG$8=\"Accelerator\",IF(Scenario1!EG$4=\"Current\",(Scenario1!F17),IF(Scenario1!EG$4=\"Current minus 1%\",(Scenario1!G17),IF(Scenario1!EG$4=\"Custom\",(Scenario1!G17),IF(Scenario1!EG$4=\"Current minus 2%\",(Scenario1!H17))))),IF(Scenario1!EG$4=\"Sun Life Evolve Term\",IF(Scenario1!EG$6=\"Monthly\",(Scenario1!K17),(Scenario1!G17)),IF(Scenario1!EG$4=\"Not applicable\",IF(Scenario1!$EG$8=\"PermLife\",IF(VLOOKUP(\"Premium 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prime\",Scenario1!$A$150:'Scenario1'!$B$170,2,FALSE)=\"Mensuelle\",(Scenario1!F17*12),(Scenario1!F17))),(Scenario1!C17)))))),NA())","v":{"$error":"#N/A"}},{"$f":"SUM($B$3,NPV($AT$11,B$4:B18))","v":{"$error":"#N/A"}},{"$f":"IF(ISNUMBER(Scenario1!J17),IF(Scenario1!$EG$10=\"English\",IF(Scenario1!$EG$8=\"Protect/Accum\",IF(Scenario1!EG$4=\"Current\",(Scenario1!J17),IF(Scenario1!EG$4=\"Current minus 1%\",(Scenario1!K17),IF(Scenario1!EG$4=\"Custom\",(Scenario1!K17),IF(Scenario1!EG$4=\"Current minus 2%\",(Scenario1!L17))))),IF(Scenario1!$EG$8=\"Accelerator\",IF(Scenario1!EG$4=\"Current\",(Scenario1!J17),IF(Scenario1!EG$4=\"Current minus 1%\",(Scenario1!K17),IF(Scenario1!EG$4=\"Custom\",(Scenario1!K17),IF(Scenario1!EG$4=\"Current minus 2%\",(Scenario1!L17))))),IF(Scenario1!EG$4=\"Sun Term - NA\",0,IF(Scenario1!$EG$8=\"SunSpectrumUL\",(IF(Scenario1!EG$4=\"Primary rate\",(Scenario1!M17),IF(Scenario1!EG$4=\"Secondary rate\",(Scenario1!N17),IF(Scenario1!EG$4=\"Alternate 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2%\",(Scenario1!L17))))),IF(Scenario1!EG$4=\"Temporaire - NA\",0,IF(Scenario1!$EG$8=\"SunSpectrumUL\",(IF(Scenario1!EG$4=\"Taux principal\",(Scenario1!M17),IF(Scenario1!EG$4=\"Taux secondaire\",(Scenario1!N17),IF(Scenario1!EG$4=\"Autre taux\",(Scenario1!O17),(Scenario1!C17))))),IF(Scenario1!$EG$8=\"PermLife\",(Scenario1!C17),IF(AND(Scenario1!$EG$8=\"SunUniversalLife\",Scenario1!$EJ$21=1),IF(Scenario1!EG$4=\"Taux principal\",(Scenario1!N17),IF(Scenario1!EG$4=\"Taux secondaire\",(Scenario1!O17),IF(Scenario1!EG$4=\"Autre taux\",(Scenario1!P17),(Scenario1!C17)))),IF(Scenario1!EG$4=\"Taux principal\",(Scenario1!M17),IF(Scenario1!EG$4=\"Taux secondaire\",(Scenario1!N17),IF(Scenario1!EG$4=\"Autre taux\",(Scenario1!O17),(Scenario1!C17))))))))))),NA())","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$f":"IF(ISNUMBER(Scenario1!C17),IF(Scenario1!$EG$10=\"English\",IF(Scenario1!$EG$8=\"Protect/Accum\",IF(Scenario1!EG$4=\"Current\",(Scenario1!O17),IF(Scenario1!EG$4=\"Current minus 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rate\",(Scenario1!R17),IF(Scenario1!EG$4=\"Secondary rate\",(Scenario1!S17),IF(Scenario1!EG$4=\"Alternate rate\",(Scenario1!T17)))))))))),IF(Scenario1!$EG$8=\"Protect/Accum\",IF(Scenario1!EG$4=\"Taux actuel\",(Scenario1!O17),IF(Scenario1!EG$4=\"Taux actuel moins 1%\",(Scenario1!P17),IF(Scenario1!EG$4=\"Taux personnalisé\",(Scenario1!P17),IF(Scenario1!EG$4=\"Taux actuel moins 2%\",(Scenario1!Q17))))),IF(Scenario1!$EG$8=\"Accelerator\",IF(Scenario1!EG$4=\"Taux actuel\",(Scenario1!O17),IF(Scenario1!EG$4=\"Taux actuel moins 1%\",(Scenario1!P17),IF(Scenario1!EG$4=\"Taux personnalisé\",(Scenario1!P17),IF(Scenario1!EG$4=\"Taux actuel moins 2%\",(Scenario1!Q17))))),IF(Scenario1!EG$4=\"Assurance-vie temporaire Évolution Sun Life\",HLOOKUP(\"Capital-décès total du contrat\",Scenario1!$A$1:$G$100,Calculations!$A18+1,FALSE),IF(Scenario1!$EG$8=\"SunSpectrumUL\",(IF(Scenario1!EG$4=\"Taux principal\",(Scenario1!Q17),IF(Scenario1!EG$4=\"Taux secondaire\",(Scenario1!R17),IF(Scenario1!EG$4=\"Autre taux\",(Scenario1!S17))))),IF(Scenario1!$EG$8=\"PermLife\",(Scenario1!E17),IF(AND(Scenario1!$EG$8=\"SunUniversalLife\",Scenario1!$EJ$21=1),IF(Scenario1!EG$4=\"Taux principal\",(Scenario1!S17),IF(Scenario1!EG$4=\"Taux secondaire\",(Scenario1!T17),IF(Scenario1!EG$4=\"Autre taux\",(Scenario1!U17),(Scenario1!E17)))),IF(Scenario1!EG$4=\"Taux principal\",(Scenario1!R17),IF(Scenario1!EG$4=\"Taux secondaire\",(Scenario1!S17),IF(Scenario1!EG$4=\"Autre taux\",(Scenario1!T17),(Scenario1!E17))))))))))),NA())","v":{"$error":"#N/A"}},{"$f":"IF(ISNUMBER(Scenario1!M17),IF(Scenario1!$EG$10=\"English\",IF(Scenario1!$EG$8=\"Protect/Accum\",IF(Scenario1!EG$4=\"Current\",(Scenario1!BO17),IF(Scenario1!EG$4=\"Current minus 1%\",(Scenario1!BP17),IF(Scenario1!EG$4=\"Custom\",(Scenario1!BP17),IF(Scenario1!EG$4=\"Current minus 2%\",(Scenario1!BQ17))))),IF(Scenario1!$EG$8=\"Accelerator\",IF(Scenario1!EG$4=\"Current\",(Scenario1!BC17),IF(Scenario1!EG$4=\"Current minus 1%\",(Scenario1!BD17),IF(Scenario1!EG$4=\"Custom\",(Scenario1!BD17),IF(Scenario1!EG$4=\"Current minus 2%\",(Scenario1!BE17))))),IF(Scenario1!EG$4=\"Sun Life Evolve Term\",HLOOKUP(\"ACB\",Scenario1!$A$1:$S$100,Calculations!$A18+1,FALSE),IF(Scenario1!$EG$8=\"SunSpectrumUL\",(IF(Scenario1!EG$4=\"Primary rate\",(Scenario1!BF17),IF(Scenario1!EG$4=\"Secondary rate\",(Scenario1!BG17),IF(Scenario1!EG$4=\"Alternate rate\",(Scenario1!BH17))))),IF(Scenario1!$EG$8=\"PermLife\",(Scenario1!AD17),IF(Scenario1!$EG$8=\"SunUniversalLife\",IF(Scenario1!EG$4=\"Primary rate\",HLOOKUP(\"ACB (Primary rate)\",Scenario1!$A$1:$EC$100,Calculations!$A18+1,FALSE),IF(Scenario1!EG$4=\"Secondary rate\",HLOOKUP(\"ACB (Secondary rate)\",Scenario1!$A$1:$EC$100,Calculations!$A18+1,FALSE),IF(Scenario1!EG$4=\"Alternate rate\",HLOOKUP(\"ACB (Alternate rate)\",Scenario1!$A$1:$EC$100,Calculations!$A18+1,FALSE)))))))))),IF(Scenario1!$EG$8=\"Protect/Accum\",IF(Scenario1!EG$4=\"Taux actuel\",(Scenario1!BO17),IF(Scenario1!EG$4=\"Taux actuel moins 1%\",(Scenario1!BP17),IF(Scenario1!EG$4=\"Taux personnalisé\",(Scenario1!BP17),IF(Scenario1!EG$4=\"Taux actuel moins 2%\",(Scenario1!BQ17))))),IF(Scenario1!$EG$8=\"Accelerator\",IF(Scenario1!EG$4=\"Taux actuel\",(Scenario1!BC17),IF(Scenario1!EG$4=\"Taux actuel moins 1%\",(Scenario1!BD17),IF(Scenario1!EG$4=\"Taux personnalisé\",(Scenario1!BD17),IF(Scenario1!EG$4=\"Taux actuel moins 2%\",(Scenario1!BE17))))),IF(Scenario1!EG$4=\"Assurance-vie temporaire Évolution Sun Life\",HLOOKUP(\"CBR\",Scenario1!$A$1:$S$100,Calculations!$A18+1,FALSE),IF(Scenario1!$EG$8=\"PermLife\",(Scenario1!AD17),IF(Scenario1!$EG$8=\"SunSpectrumUL\",(IF(Scenario1!EG$4=\"Taux principal\",(Scenario1!BF17),IF(Scenario1!EG$4=\"Taux secondaire\",(Scenario1!BG17),IF(Scenario1!EG$4=\"Autre taux\",(Scenario1!BH17))))),IF(Scenario1!$EG$8=\"SunUniversalLife\",IF(Scenario1!EG$4=\"Taux principal\",HLOOKUP(\"CBR (taux principal)\",Scenario1!$A$1:$EC$100,Calculations!$A18+1,FALSE),IF(Scenario1!EG$4=\"Taux secondaire\",HLOOKUP(\"CBR (taux secondaire)\",Scenario1!$A$1:$EC$100,Calculations!$A18+1,FALSE),IF(Scenario1!EG$4=\"Autre taux\",(Scenario1!BL17),HLOOKUP(\"CBR (autre taux)\",Scenario1!$A$1:$EC$100,Calculations!$A18+1,FALSE))))))))))),NA())","v":{"$error":"#N/A"}},{"$f":"IF(ISNUMBER(Scenario1!J17),IF(Scenario1!$EG$10=\"English\",IF(Scenario1!$EG$8=\"Protect/Accum\",IF(Scenario1!EG$4=\"Current\",(Scenario1!BR17),IF(Scenario1!EG$4=\"Current minus 1%\",(Scenario1!BS17),IF(Scenario1!EG$4=\"Custom\",(Scenario1!BS17),IF(Scenario1!EG$4=\"Current minus 2%\",(Scenario1!BT17))))),IF(Scenario1!$EG$8=\"Accelerator\",IF(Scenario1!EG$4=\"Current\",(Scenario1!BF17),IF(Scenario1!EG$4=\"Current minus 1%\",(Scenario1!BG17),IF(Scenario1!EG$4=\"Custom\",(Scenario1!BG17),IF(Scenario1!EG$4=\"Current minus 2%\",(Scenario1!BH17))))),IF(Scenario1!EG$4=\"Sun Life Evolve Term\",HLOOKUP(\"CDA Credit\",Scenario1!$A$1:$S$100,Calculations!$A18+1,FALSE),IF(Scenario1!$EG$8=\"SunSpectrumUL\",(IF(Scenario1!EG$4=\"Primary rate\",(Scenario1!BI17), IF(Scenario1!EG$4=\"Secondary rate\",(Scenario1!BJ17),IF(Scenario1!EG$4=\"Alternate rate\",(Scenario1!BK17))))),IF(Scenario1!$EG$8=\"PermLife\",(Scenario1!AE17),IF(Scenario1!$EG$8=\"SunUniversalLife\",IF(Scenario1!EG$4=\"Primary rate\",HLOOKUP(\"CDA credit (Primary rate)\",Scenario1!$A$1:$EC$100,Calculations!$A18+1,FALSE),IF(Scenario1!EG$4=\"Secondary rate\",HLOOKUP(\"CDA credit (Secondary rate)\",Scenario1!$A$1:$EC$100,Calculations!$A18+1,FALSE),IF(Scenario1!EG$4=\"Alternate rate\",HLOOKUP(\"CDA credit (Alternate rate)\",Scenario1!$A$1:$EC$100,Calculations!$A18+1,FALSE)))))))))),IF(Scenario1!$EG$8=\"Protect/Accum\",IF(Scenario1!EG$4=\"Taux actuel\",(Scenario1!BR17),IF(Scenario1!EG$4=\"Taux actuel moins 1%\",(Scenario1!BS17),IF(Scenario1!EG$4=\"Taux personnalisé\",(Scenario1!BS17),IF(Scenario1!EG$4=\"Taux actuel moins 2%\",(Scenario1!BT17))))),IF(Scenario1!$EG$8=\"Accelerator\",IF(Scenario1!EG$4=\"Taux actuel\",(Scenario1!BF17),IF(Scenario1!EG$4=\"Taux actuel moins 1%\",(Scenario1!BG17),IF(Scenario1!EG$4=\"Taux personnalisé\",(Scenario1!BG17),IF(Scenario1!EG$4=\"Taux actuel moins 2%\",(Scenario1!BH17))))),IF(Scenario1!EG$4=\"Assurance-vie temporaire Évolution Sun Life\",HLOOKUP(\"Crédit au CDC\",Scenario1!$A$1:$S$100,Calculations!$A18+1,FALSE),IF(Scenario1!$EG$8=\"PermLife\",(Scenario1!AE17),IF(Scenario1!$EG$8=\"SunSpectrumUL\",(IF(Scenario1!EG$4=\"Taux principal\",(Scenario1!BI17), IF(Scenario1!EG$4=\"Taux secondaire\",(Scenario1!BJ17),IF(Scenario1!EG$4=\"Autre taux\",(Scenario1!BK17))))),IF(Scenario1!$EG$8=\"SunUniversalLife\",IF(Scenario1!EG$4=\"Taux principal\",HLOOKUP(\"Crédit au CDC (taux principal)\",Scenario1!$A$1:$EC$100,Calculations!$A18+1,FALSE),IF(Scenario1!EG$4=\"Taux secondaire\",HLOOKUP(\"Crédit au CDC (taux 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Install?",null,null,null,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Scenario4!$EJ$1","v":false},{"$f":"IF(OR(OR(DR21=DR20,DR21=DR19,DR21=DR18),DR21=FALSE),0,COUNTIF(DR21:DR23,DR21))","v":{"$error":"#N/A"}},{"$f":"Scenario4!EJ$6","v":false},{"$f":"IF(OR(OR(DT21=DT20,DT21=DT19,DT21=DT18),DT21=FALSE),0,COUNTIF(DT21:DT23,DT21))","v":0},{"$f":"Scenario4!EL1","v":false},{"$f":"IF(OR(OR(DV21=DV20,DV21=DV19,DV21=DV18),DV21=FALSE),0,COUNTIF(DV21:DV23,DV21))","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"HLOOKUP(Calculations!$FO$1,Scenario1!$A$1:$AE$101,Calculations!FA21+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FP$1,Scenario1!$A$1:$AE$101,Calculations!FA21+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FQ$1,Scenario1!$A$1:$AE$101,Calculations!FA21+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FR$1,Scenario1!$A$1:$AE$101,Calculations!FA21+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FS$1,Scenario1!$A$1:$AE$101,Calculations!FA21+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FT$1,Scenario1!$A$1:$AE$101,Calculations!FA21+1,FALSE)","v":{"$error":"#N/A"}}]
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LIFE"},null,null,null,null,null,null,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"HLOOKUP(Calculations!$FO$1,Scenario1!$A$1:$AE$101,Calculations!FA31+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FP$1,Scenario1!$A$1:$AE$101,Calculations!FA31+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FQ$1,Scenario1!$A$1:$AE$101,Calculations!FA31+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FR$1,Scenario1!$A$1:$AE$101,Calculations!FA31+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FS$1,Scenario1!$A$1:$AE$101,Calculations!FA31+1,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(Calculations!$FT$1,Scenario1!$A$1:$AE$101,Calculations!FA31+1,FALSE)","v":{"$error":"#N/A"}}]
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[{"$f":"IF(EG10=\"English\",\"P1 Age\",IF(EG10=\"French\",\"P1 Âge\"))","v":"P1 Age"}]
[{"$f":"IF(EG10=\"English\",\"P1 Gender\",IF(EG10=\"French\",\"P1 Sexe\"))","v":"P1 Gender"},{"$f":"IF(EG10=\"English\",IF(C202=\"H\",\"M\",IF(C202=\"F\",\"F\",C202)),IF(EG10=\"French\",IF(C202=\"M\",\"H\",IF(C202=\"F\",\"F\",C202))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P1 Smoker\",IF(EG10=\"French\",\"P1 Fumeur\"))","v":"P1 Smoker"},{"$f":"IF(EG10=\"English\",IF(C203=\"Oui\",\"Yes\",IF(C203=\"Non\",\"No\",C203)),IF(EG10=\"French\",IF(C203=\"Yes\",\"Oui\",IF(C203=\"No\",\"Non\",C203))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P1 First Name\",IF(EG10=\"French\",\"P1 Prénom\"))","v":"P1 First Name"}]
[{"$f":"IF(EG10=\"English\",\"P1 Last Name\",IF(EG10=\"French\",\"P1 Nom\"))","v":"P1 Last Name"}]
[{"$f":"IF(EG10=\"English\",\"P2 Age\",IF(EG10=\"French\",\"P2 Âge\"))","v":"P2 Age"}]
[{"$f":"IF(EG10=\"English\",\"P2 Gender\",IF(EG10=\"French\",\"P2 Sexe\"))","v":"P2 Gender"},{"$f":"IF(EG10=\"English\",IF(C207=\"H\",\"M\",IF(C207=\"F\",\"F\",C207)),IF(EG10=\"French\",IF(C207=\"M\",\"H\",IF(C207=\"F\",\"F\",C207))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P2 Smoker\",IF(EG10=\"French\",\"P2 Fumeur\"))","v":"P2 Smoker"},{"$f":"IF(EG10=\"English\",IF(C208=\"Oui\",\"Yes\",IF(C208=\"Non\",\"No\",C208)),IF(EG10=\"French\",IF(C208=\"Yes\",\"Oui\",IF(C208=\"No\",\"Non\",C208))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P2 First Name\",IF(EG10=\"French\",\"P2 Prénom\"))","v":"P2 First Name"}]
[{"$f":"IF(EG10=\"English\",\"P2 Last Name\",IF(EG10=\"French\",\"P2 Nom\"))","v":"P2 Last Name"}]
["C2 Amount"]
["A2 Montant"]

{"sheet":"Scenario2","index":10,"n_rows":212,"n_cols":163,"rows_kept":212,"cut":false,"hidden":true,"merged":[]}
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[{"$f":"IF(EG10=\"English\",\"P1 Gender\",IF(EG10=\"French\",\"P1 Sexe\"))","v":"P1 Gender"},{"$f":"IF(EG10=\"English\",IF(C202=\"H\",\"M\",IF(C202=\"F\",\"F\",C202)),IF(EG10=\"French\",IF(C202=\"M\",\"H\",IF(C202=\"F\",\"F\",C202))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P1 Smoker\",IF(EG10=\"French\",\"P1 Fumeur\"))","v":"P1 Smoker"},{"$f":"IF(EG10=\"English\",IF(C203=\"Oui\",\"Yes\",IF(C203=\"Non\",\"No\",C203)),IF(EG10=\"French\",IF(C203=\"Yes\",\"Oui\",IF(C203=\"No\",\"Non\",C203))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P1 First Name\",IF(EG10=\"French\",\"P1 Prénom\"))","v":"P1 First Name"}]
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[{"$f":"IF(EG10=\"English\",\"P2 Age\",IF(EG10=\"French\",\"P2 Âge\"))","v":"P2 Age"}]
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[{"$f":"IF(EG10=\"English\",\"P2 First Name\",IF(EG10=\"French\",\"P2 Prénom\"))","v":"P2 First Name"}]
[{"$f":"IF(EG10=\"English\",\"P2 Last Name\",IF(EG10=\"French\",\"P2 Nom\"))","v":"P2 Last Name"}]
["C2 Amount"]
["A2 Montant"]

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[{"$f":"IF(EG10=\"English\",\"P2 Smoker\",IF(EG10=\"French\",\"P2 Fumeur\"))","v":false},{"$f":"IF(EG10=\"English\",IF(C208=\"Oui\",\"Yes\",IF(C208=\"Non\",\"No\",C208)),IF(EG10=\"French\",IF(C208=\"Yes\",\"Oui\",IF(C208=\"No\",\"Non\",C208))))","v":false}]
[{"$f":"IF(EG10=\"English\",\"P2 First Name\",IF(EG10=\"French\",\"P2 Prénom\"))","v":false}]
[{"$f":"IF(EG10=\"English\",\"P2 Last Name\",IF(EG10=\"French\",\"P2 Nom\"))","v":false}]
["C2 Amount"]
["A2 Montant"]

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[{"$f":"IF(EG10=\"English\",\"P2 Smoker\",IF(EG10=\"French\",\"P2 Fumeur\"))","v":false},{"$f":"IF(EG10=\"English\",IF(C208=\"Oui\",\"Yes\",IF(C208=\"Non\",\"No\",C208)),IF(EG10=\"French\",IF(C208=\"Yes\",\"Oui\",IF(C208=\"No\",\"Non\",C208))))","v":false}]
[{"$f":"IF(EG10=\"English\",\"P2 First Name\",IF(EG10=\"French\",\"P2 Prénom\"))","v":false}]
[{"$f":"IF(EG10=\"English\",\"P2 Last Name\",IF(EG10=\"French\",\"P2 Nom\"))","v":false}]
["C2 Amount"]
["A2 Montant"]

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[{"$f":"IF(EG10=\"English\",\"P2 Smoker\",IF(EG10=\"French\",\"P2 Fumeur\"))","v":false},{"$f":"IF(EG10=\"English\",IF(C208=\"Oui\",\"Yes\",IF(C208=\"Non\",\"No\",C208)),IF(EG10=\"French\",IF(C208=\"Yes\",\"Oui\",IF(C208=\"No\",\"Non\",C208))))","v":false}]
[{"$f":"IF(EG10=\"English\",\"P2 First Name\",IF(EG10=\"French\",\"P2 Prénom\"))","v":false}]
[{"$f":"IF(EG10=\"English\",\"P2 Last Name\",IF(EG10=\"French\",\"P2 Nom\"))","v":false}]
["C2 Amount"]
["A2 Montant"]

{"sheet":"Scenario6","index":14,"n_rows":212,"n_cols":144,"rows_kept":212,"cut":false,"hidden":true,"merged":[]}
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[{"$f":"IF(EG10=\"English\",\"P2 Age\",IF(EG10=\"French\",\"P2 Âge\"))","v":false}]
[{"$f":"IF(EG10=\"English\",\"P2 Gender\",IF(EG10=\"French\",\"P2 Sexe\"))","v":false},{"$f":"IF(EG10=\"English\",IF(C207=\"H\",\"M\",IF(C207=\"F\",\"F\",C207)),IF(EG10=\"French\",IF(C207=\"M\",\"H\",IF(C207=\"F\",\"F\",C207))))","v":false}]
[{"$f":"IF(EG10=\"English\",\"P2 Smoker\",IF(EG10=\"French\",\"P2 Fumeur\"))","v":false},{"$f":"IF(EG10=\"English\",IF(C208=\"Oui\",\"Yes\",IF(C208=\"Non\",\"No\",C208)),IF(EG10=\"French\",IF(C208=\"Yes\",\"Oui\",IF(C208=\"No\",\"Non\",C208))))","v":false}]
[{"$f":"IF(EG10=\"English\",\"P2 First Name\",IF(EG10=\"French\",\"P2 Prénom\"))","v":false}]
[{"$f":"IF(EG10=\"English\",\"P2 Last Name\",IF(EG10=\"French\",\"P2 Nom\"))","v":false}]
["C2 Amount"]
["A2 Montant"]