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{"sheet":"Sheet1","index":1,"n_rows":14,"n_cols":8,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
[]
[null,"New Commission Rate","New Fee Rate","New Net Rate",null,"Renewal Commission Rate","Renewal Fee Rate","Renewal Net Rate"]
["21C",0.12,1.4999999999999999E-2,{"$f":"B3-C3","v":0.105}]
["ASI",0.15,0.03,{"$f":"B4-C4","v":0.12},null,0.15,0.03,{"$f":"F4-G4","v":0.12}]
["DRL",0.12,1.4999999999999999E-2,{"$f":"B5-C5","v":0.105},null,0.12,1.4999999999999999E-2,{"$f":"F5-G5","v":0.105}]
["ESU",0.12,1.4999999999999999E-2,{"$f":"B6-C6","v":0.105}]
["GNL",0.12,null,0.12,null,0.12,null,{"$f":"F7-G7","v":0.12}]
["INF",0.125,1.4999999999999999E-2,0.11,null,0.08,1.4999999999999999E-2,{"$f":"F8-G8","v":6.5000000000000002E-2}]
["MET",0.15,null,0.15,null,0.14000000000000001,null,{"$f":"F9-G9","v":0.14000000000000001}]
["PLR",0.35,null,{"$f":"B10-C10","v":0.35}]
["PRO",0.09,0.01,0.08,null,0.09,0.01,{"$f":"F11-G11","v":0.08}]
["SFC",0.15,0.02,0.13,null,0.15,0.02,{"$f":"F12-G12","v":0.13}]
["TRV",0.15,null,0.15,null,0.12,null,{"$f":"F13-G13","v":0.12}]
["TWIA",0.12,1.4999999999999999E-2,{"$f":"B14-C14","v":0.105},null,0.12,1.4999999999999999E-2,{"$f":"F14-G14","v":0.105}]

{"sheet":"12ASI","index":2,"n_rows":123,"n_cols":12,"rows_kept":123,"cut":false,"hidden":false,"merged":[]}
[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"J4","v":42.72},null,{"$f":"C3-D3","v":42.72},"Year 0",{"$f":"E3","v":42.72},null,null,"New Commission","Renewal Commission"]
["Month 1",{"$f":"'Retention Curves'!B3","v":0.97},null,{"$f":"(B3-B4)*C3*(11/12)","v":1.174800000000001},{"$f":"C4-D4","v":-1.174800000000001},"Year 1",{"$f":"SUM(E4:E15)","v":27.3764},null,null,42.72,42.72,121.03]
["Month 2",{"$f":"'Retention Curves'!B4","v":0.94},null,{"$f":"(B4-B5)*C3*(10/12)","v":1.0680000000000009},-1.0680000000000009,"Year 2",{"$f":"SUM(E16:E27)","v":24.232406834978139}]
["Month 3",{"$f":"'Retention Curves'!B5","v":0.91},null,{"$f":"(B5-B6)*C3*(9/12)","v":0.96119999999999717},-0.96119999999999717,"Year 3",{"$f":"SUM(E28:E39)","v":18.965007818864912}]
["Month 4",{"$f":"'Retention Curves'!B6","v":0.89},null,{"$f":"(B6-B7)*C3*(8/12)","v":0.56960000000000044},-0.56960000000000044,"Year 4",{"$f":"SUM(E40:E51)","v":14.091536010607484}]
["Month 5",{"$f":"'Retention Curves'!B7","v":0.88},null,{"$f":"(B7-B8)*C3*(7/12)","v":0.24920000000000023},-0.24920000000000023,"Year 5",{"$f":"SUM(E52:E63)","v":9.653716995112525}]
["Month 6",{"$f":"'Retention Curves'!B8","v":0.86},null,{"$f":"(B8-B9)*C3*(6/12)","v":0.42720000000000036},-0.42720000000000036,"Year 6",{"$f":"SUM(E64:E75)","v":5.0103475157653108}]
["Month 7",{"$f":"'Retention Curves'!B9","v":0.82},null,{"$f":"(B9-B10)*C3*(5/12)","v":0.71200000000000063},-0.71200000000000063,"Year 7",{"$f":"SUM(E76:E87)","v":1.2919547280765022}]
["Month 8",{"$f":"'Retention Curves'!B10","v":0.81},null,{"$f":"(B10-B11)*C3*(4/12)","v":0.14239999999999853},-0.14239999999999853,"Year 8",{"$f":"SUM(E88:E99)","v":1.5674608622689159}]
["Month 9",{"$f":"'Retention Curves'!B11","v":0.8},null,{"$f":"(B11-B12)*C3*(3/12)","v":0.10680000000000009},-0.10680000000000009,"Year 9",{"$f":"SUM(E100:E111)","v":1.4760535504084147}]
["Month 10",{"$f":"'Retention Curves'!B12","v":0.79},null,{"$f":"(B12-B13)*C3*(2/12)","v":7.1200000000000055E-2},-7.1200000000000055E-2,"Year 10",{"$f":"SUM(E112:E123)","v":1.1927152422607645}]
["Month 11",{"$f":"'Retention Curves'!B13","v":0.78},null,{"$f":"(B13-B14)*C3*(1/12)","v":3.5600000000000027E-2},-3.5600000000000027E-2,"Discount Rate",0]
["Month 12",{"$f":"'Retention Curves'!B14","v":0.77},{"$f":"B15*$K$4","v":32.894399999999997},{"$f":"(B14-B15)*C3*(0/12)","v":0},32.894399999999997,"NPV",{"$f":"NPV(G14,G4:G13)+G3","v":147.57759955834297}]
["Month 13",{"$f":"'Retention Curves'!B15","v":0.72},null,{"$f":"(B15-B16)*C15*(11/12)","v":1.5076600000000011},-1.5076600000000011]
["Month 14",{"$f":"'Retention Curves'!B16","v":0.70567500000000005},null,{"$f":"(B16-B17)*C15*(10/12)","v":0.39267689999999783},-0.39267689999999783]
["Month 15",{"$f":"'Retention Curves'!B17","v":0.70214662500000002},null,{"$f":"(B17-B18)*C15*(9/12)","v":8.704783395000068E-2},-8.704783395000068E-2]
["Month 16",{"$f":"'Retention Curves'!B18","v":0.69863589187499997},null,{"$f":"(B18-B19)*C15*(8/12)","v":7.6988973138001168E-2},-7.6988973138001168E-2]
["Month 17",{"$f":"'Retention Curves'!B19","v":0.69514271241562497},null,{"$f":"(B19-B20)*C15*(7/12)","v":6.7028524738271159E-2},-6.7028524738271159E-2]
["Month 18",{"$f":"'Retention Curves'!B20","v":0.69166699885354688},null,{"$f":"(B20-B21)*C15*(6/12)","v":5.7165756098210882E-2},-5.7165756098210882E-2]
["Month 19",{"$f":"'Retention Curves'!B21","v":0.65},null,{"$f":"(B21-B22)*C15*(5/12)","v":0.57108788628671314},-0.57108788628671314]
["Month 20",{"$f":"'Retention Curves'!B22","v":0.64675000000000005},null,{"$f":"(B22-B23)*C15*(4/12)","v":3.5635599999999726E-2},-3.5635599999999726E-2]
["Month 21",{"$f":"'Retention Curves'!B23","v":0.64351625000000001},null,{"$f":"(B23-B24)*C15*(3/12)","v":2.6593066500000286E-2},-2.6593066500000286E-2]
["Month 22",{"$f":"'Retention Curves'!B24","v":0.64029866874999997},null,{"$f":"(B24-B25)*C15*(2/12)","v":1.7640067445000247E-2},-1.7640067445000247E-2]
["Month 23",{"$f":"'Retention Curves'!B25","v":0.63709717540624999},null,{"$f":"(B25-B26)*C15*(1/12)","v":8.7759335538874234E-3},-8.7759335538874234E-3]
["Month 24",{"$f":"'Retention Curves'!B26","v":0.63391168952921872},{"$f":"B27*$K$4","v":27.080707376688224},{"$f":"(B26-B27)*C15*(0/12)","v":0},27.080707376688224]
["Month 25",{"$f":"'Retention Curves'!B27","v":0.57999999999999996},null,{"$f":"(B27-B28)*C27*(11/12)","v":1.3383027976300033},-1.3383027976300033]
["Month 26",{"$f":"'Retention Curves'!B28","v":0.57709999999999995},null,{"$f":"(B28-B29)*C27*(10/12)","v":6.5445042826996855E-2},-6.5445042826996855E-2]
["Month 27",{"$f":"'Retention Curves'!B29","v":0.57421449999999996},null,{"$f":"(B29-B30)*C27*(9/12)","v":5.8606035851575103E-2},-5.8606035851575103E-2]
["Month 28",{"$f":"'Retention Curves'!B30","v":0.5713434275},null,{"$f":"(B30-B31)*C27*(8/12)","v":5.1833782819837082E-2},-5.1833782819837082E-2]
["Month 29",{"$f":"'Retention Curves'!B31","v":0.56848671036249998},null,{"$f":"(B31-B32)*C27*(7/12)","v":4.5127787167521603E-2},-4.5127787167521603E-2]
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["Month 32",{"$f":"'Retention Curves'!B34","v":0.50744999999999996},null,{"$f":"(B34-B35)*C27*(4/12)","v":2.301860127018546E-2},-2.301860127018546E-2]
["Month 33",{"$f":"'Retention Curves'!B35","v":0.50491274999999991},null,{"$f":"(B35-B36)*C27*(3/12)","v":1.7177631197875864E-2},-1.7177631197875864E-2]
["Month 34",{"$f":"'Retention Curves'!B36","v":0.50238818624999992},null,{"$f":"(B36-B37)*C27*(2/12)","v":1.1394495361257384E-2},-1.1394495361257384E-2]
["Month 35",{"$f":"'Retention Curves'!B37","v":0.49987624531874991},null,{"$f":"(B37-B38)*C27*(1/12)","v":5.6687614422256064E-3},-5.6687614422256064E-3]
["Month 36",{"$f":"'Retention Curves'!B38","v":0.49737686409215615},{"$f":"B39*$K$4","v":21.247939634016909},{"$f":"(B38-B39)*C27*(0/12)","v":0},21.247939634016909]
["Month 37",{"$f":"'Retention Curves'!B39","v":0.44},null,{"$f":"(B39-B40)*C39*(11/12)","v":1.1175451325677157},-1.1175451325677157]
["Month 38",{"$f":"'Retention Curves'!B40","v":0.43780000000000002},null,{"$f":"(B40-B41)*C39*(10/12)","v":3.8954555995697311E-2},-3.8954555995697311E-2]
["Month 39",{"$f":"'Retention Curves'!B41","v":0.43561100000000003},null,{"$f":"(B41-B42)*C39*(9/12)","v":3.4883804894147205E-2},-3.4883804894147205E-2]
["Month 40",{"$f":"'Retention Curves'!B42","v":0.43343294500000001},null,{"$f":"(B42-B43)*C39*(8/12)","v":3.0852787439712637E-2},-3.0852787439712637E-2]
["Month 41",{"$f":"'Retention Curves'!B43","v":0.43126578027500001},null,{"$f":"(B43-B44)*C39*(7/12)","v":2.6861208064699715E-2},-2.6861208064699715E-2]
["Month 42",{"$f":"'Retention Curves'!B44","v":0.42910945137362499},null,{"$f":"(B44-B45)*C39*(6/12)","v":2.2908773163751162E-2},-2.2908773163751162E-2]
["Month 43",{"$f":"'Retention Curves'!B45","v":0.38},null,{"$f":"(B45-B46)*C39*(5/12)","v":0.43478110760269689},-0.43478110760269689]
["Month 44",{"$f":"'Retention Curves'!B46","v":0.37809999999999999},null,{"$f":"(B46-B47)*C39*(4/12)","v":1.3457028434877465E-2},-1.3457028434877465E-2]
["Month 45",{"$f":"'Retention Curves'!B47","v":0.37620949999999997},null,{"$f":"(B47-B48)*C39*(3/12)","v":1.0042307469527332E-2},-1.0042307469527332E-2]
["Month 46",{"$f":"'Retention Curves'!B48","v":0.37432845249999996},null,{"$f":"(B48-B49)*C39*(2/12)","v":6.661397288119774E-3},-6.661397288119774E-3]
["Month 47",{"$f":"'Retention Curves'!B49","v":0.37245681023749994},null,{"$f":"(B49-B50)*C39*(1/12)","v":3.3140451508396193E-3},-3.3140451508396193E-3]
["Month 48",{"$f":"'Retention Curves'!B50","v":0.37059452618631245},{"$f":"B51*$K$4","v":15.831798158679268},{"$f":"(B50-B51)*C39*(0/12)","v":0},15.831798158679268]
["Month 49",{"$f":"'Retention Curves'!B51","v":0.32},null,{"$f":"(B51-B52)*C51*(11/12)","v":0.73425213263940192},-0.73425213263940192]
["Month 50",{"$f":"'Retention Curves'!B52","v":0.31840000000000002},null,{"$f":"(B52-B53)*C51*(10/12)","v":2.1109064211572229E-2},-2.1109064211572229E-2]
["Month 51",{"$f":"'Retention Curves'!B53","v":0.31680800000000003},null,{"$f":"(B53-B54)*C51*(9/12)","v":1.8903167001462835E-2},-1.8903167001462835E-2]
["Month 52",{"$f":"'Retention Curves'!B54","v":0.31522396000000003},null,{"$f":"(B54-B55)*C51*(8/12)","v":1.6718801036849629E-2},-1.6718801036849629E-2]
["Month 53",{"$f":"'Retention Curves'!B55","v":0.31364784020000003},null,{"$f":"(B55-B56)*C51*(7/12)","v":1.455580615270711E-2},-1.455580615270711E-2]
["Month 54",{"$f":"'Retention Curves'!B56","v":0.31207960099900001},null,{"$f":"(B56-B57)*C51*(6/12)","v":1.2414023247380392E-2},-1.2414023247380392E-2]
["Month 55",{"$f":"'Retention Curves'!B57","v":0.26},null,{"$f":"(B57-B58)*C51*(5/12)","v":0.34354738800029966},-0.34354738800029966]
["Month 56",{"$f":"'Retention Curves'!B58","v":0.25869999999999999},null,{"$f":"(B58-B59)*C51*(4/12)","v":6.8604458687611392E-3},-6.8604458687611392E-3]
["Month 57",{"$f":"'Retention Curves'!B59","v":0.25740649999999998},null,{"$f":"(B59-B60)*C51*(3/12)","v":5.1196077295629205E-3},-5.1196077295629205E-3]
["Month 58",{"$f":"'Retention Curves'!B60","v":0.25611946749999998},null,{"$f":"(B60-B61)*C51*(2/12)","v":3.3960064606100814E-3},-3.3960064606100814E-3]
["Month 59",{"$f":"'Retention Curves'!B61","v":0.25483887016249995},null,{"$f":"(B61-B62)*C51*(1/12)","v":1.6895132141535355E-3},-1.6895132141535355E-3]
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["Month 61",{"$f":"'Retention Curves'!B63","v":0.2},null,{"$f":"(B63-B64)*C63*(11/12)","v":0.53187541417394157},-0.53187541417394157]
["Month 62",{"$f":"'Retention Curves'!B64","v":0.19900000000000001},null,{"$f":"(B64-B65)*C63*(10/12)","v":9.0269024588960824E-3},-9.0269024588960824E-3]
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["Month 64",{"$f":"'Retention Curves'!B66","v":0.19701497500000001},null,{"$f":"(B66-B67)*C63*(8/12)","v":7.1494872854949067E-3},-7.1494872854949067E-3]
["Month 65",{"$f":"'Retention Curves'!B67","v":0.19602990012500002},null,{"$f":"(B67-B68)*C63*(7/12)","v":6.2245223679339165E-3},{"$f":"C68-D68","v":-6.2245223679339165E-3}]
["Month 66",{"$f":"'Retention Curves'!B68","v":0.19504975062437502},null,{"$f":"(B68-B69)*C63*(6/12)","v":5.3086283623665388E-3},-5.3086283623665388E-3]
["Month 67",{"$f":"'Retention Curves'!B69","v":0.14000000000000001},null,{"$f":"(B69-B70)*C63*(5/12)","v":0.24846436463639318},-0.24846436463639318]
["Month 68",{"$f":"'Retention Curves'!B70","v":0.13930000000000001},null,{"$f":"(B70-B71)*C63*(4/12)","v":2.5275326884909226E-3},-2.5275326884909226E-3]
["Month 69",{"$f":"'Retention Curves'!B71","v":0.13860350000000002},null,{"$f":"(B71-B72)*C63*(3/12)","v":1.886171268786304E-3},-1.886171268786304E-3]
["Month 70",{"$f":"'Retention Curves'!B72","v":0.13791048250000001},null,{"$f":"(B72-B73)*C63*(2/12)","v":1.2511602749616087E-3},-1.2511602749616087E-3]
["Month 71",{"$f":"'Retention Curves'!B73","v":0.13722093008750003},null,{"$f":"(B73-B74)*C63*(1/12)","v":6.2245223679338656E-4},-6.2245223679338656E-4]
["Month 72",{"$f":"'Retention Curves'!B74","v":0.13653482543706252},{"$f":"B75*$K$4","v":5.8327677426713107},{"$f":"(B74-B75)*C63*(0/12)","v":0},5.8327677426713107]
["Month 73",{"$f":"'Retention Curves'!B75","v":0.09},null,{"$f":"(B75-B76)*C75*(11/12)","v":0.24880792632679377},-0.24880792632679377]
["Month 74",{"$f":"'Retention Curves'!B76","v":8.9549999999999991E-2},null,{"$f":"(B76-B77)*C75*(10/12)","v":2.1872879035017704E-3},-2.1872879035017704E-3]
["Month 75",{"$f":"'Retention Curves'!B77","v":8.9102249999999994E-2},null,{"$f":"(B77-B78)*C75*(9/12)","v":1.9587163175857954E-3},-1.9587163175857954E-3]
["Month 76",{"$f":"'Retention Curves'!B78","v":8.8656738749999991E-2},null,{"$f":"(B78-B79)*C75*(8/12)","v":1.7323757653314588E-3},-1.7323757653314588E-3]
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["Month 78",{"$f":"'Retention Curves'!B80","v":8.7772387780968741E-2},null,{"$f":"(B80-B81)*C75*(6/12)","v":1.2863214878041881E-3},-1.2863214878041881E-3]
["Month 79",{"$f":"'Retention Curves'!B81","v":0.04},null,{"$f":"(B81-B82)*C75*(5/12)","v":0.11610218434967483},-0.11610218434967483]
["Month 80",{"$f":"'Retention Curves'!B82","v":3.9800000000000002E-2},null,{"$f":"(B82-B83)*C75*(4/12)","v":3.8885118284475166E-4},-3.8885118284475166E-4]
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["Month 82",{"$f":"'Retention Curves'!B84","v":3.9402995000000003E-2},null,{"$f":"(B84-B85)*C75*(2/12)","v":1.9248619614793986E-4},-1.9248619614793986E-4]
["Month 83",{"$f":"'Retention Curves'!B85","v":3.9205980025000003E-2},null,{"$f":"(B85-B86)*C75*(1/12)","v":9.5761882583599405E-5},-9.5761882583599405E-5]
["Month 84",{"$f":"'Retention Curves'!B86","v":3.9009950124875001E-2},{"$f":"B87*$K$4","v":1.6665050693346599},{"$f":"(B86-B87)*C75*(0/12)","v":0},1.6665050693346599]
["Month 85",{"$f":"'Retention Curves'!B87","v":3.8814900374250623E-2},null,{"$f":"(B87-B88)*C87*(11/12)","v":2.9796378167232137E-4},-2.9796378167232137E-4]
["Month 86",{"$f":"'Retention Curves'!B88","v":3.8620825872379368E-2},null,{"$f":"(B88-B89)*C87*(10/12)","v":2.6952178433087157E-4},-2.6952178433087157E-4]
["Month 87",{"$f":"'Retention Curves'!B89","v":3.8427721743017472E-2},null,{"$f":"(B89-B90)*C87*(9/12)","v":2.4135675786829134E-4},-2.4135675786829134E-4]
["Month 88",{"$f":"'Retention Curves'!B90","v":3.8235583134302385E-2},null,{"$f":"(B90-B91)*C87*(8/12)","v":2.1346664362573376E-4},-2.1346664362573376E-4]
["Month 89",{"$f":"'Retention Curves'!B91","v":3.8044405218630874E-2},null,{"$f":"(B91-B92)*C87*(7/12)","v":1.8584939660665475E-4},-1.8584939660665475E-4]
["Month 90",{"$f":"'Retention Curves'!B92","v":3.7854183192537721E-2},null,{"$f":"(B92-B93)*C87*(6/12)","v":1.5850298539167408E-4},-1.5850298539167408E-4]
["Month 91",{"$f":"'Retention Curves'!B93","v":3.7664912276575035E-2},null,{"$f":"(B93-B94)*C87*(5/12)","v":1.3142539205392942E-4},-1.3142539205392942E-4]
["Month 92",{"$f":"'Retention Curves'!B94","v":3.7476587715192161E-2},null,{"$f":"(B94-B95)*C87*(4/12)","v":1.046146120749288E-4},-1.046146120749288E-4]
["Month 93",{"$f":"'Retention Curves'!B95","v":3.7289204776616201E-2},null,{"$f":"(B95-B96)*C87*(3/12)","v":7.8068654260915571E-5},-7.8068654260915571E-5]
["Month 94",{"$f":"'Retention Curves'!B96","v":3.7102758752733118E-2},null,{"$f":"(B96-B97)*C87*(2/12)","v":5.1785540659741444E-5},-5.1785540659741444E-5]
["Month 95",{"$f":"'Retention Curves'!B97","v":3.6917244958969454E-2},null,{"$f":"(B97-B98)*C87*(1/12)","v":2.5763306478220912E-5},-2.5763306478220912E-5]
["Month 96",{"$f":"'Retention Curves'!B98","v":3.6732658734174604E-2},{"$f":"B99*$K$4","v":1.5692191811239391},{"$f":"(B98-B99)*C87*(0/12)","v":0},1.5692191811239391]
["Month 97",{"$f":"'Retention Curves'!B99","v":3.6548995440503732E-2},null,{"$f":"(B99-B100)*C99*(11/12)","v":2.6419063302200502E-4},-2.6419063302200502E-4]
["Month 98",{"$f":"'Retention Curves'!B100","v":3.6366250463301213E-2},null,{"$f":"(B100-B101)*C99*(10/12)","v":2.3897243623354132E-4},-2.3897243623354132E-4]
["Month 99",{"$f":"'Retention Curves'!B101","v":3.6184419210984704E-2},null,{"$f":"(B101-B102)*C99*(9/12)","v":2.1399981664713862E-4},-2.1399981664713862E-4]
["Month 100",{"$f":"'Retention Curves'!B102","v":3.6003497114929783E-2},null,{"$f":"(B102-B103)*C99*(8/12)","v":1.8927094894568652E-4},-1.8927094894568652E-4]
["Month 101",{"$f":"'Retention Curves'!B103","v":3.5823479629355136E-2},null,{"$f":"(B103-B104)*C99*(7/12)","v":1.6478401992583939E-4},-1.6478401992583939E-4]
["Month 102",{"$f":"'Retention Curves'!B104","v":3.5644362231208357E-2},null,{"$f":"(B104-B105)*C99*(6/12)","v":1.4053722842246948E-4},-1.4053722842246948E-4]
["Month 103",{"$f":"'Retention Curves'!B105","v":3.5466140420052313E-2},null,{"$f":"(B105-B106)*C99*(5/12)","v":1.1652878523363051E-4},-1.1652878523363051E-4]
["Month 104",{"$f":"'Retention Curves'!B106","v":3.5288809717952049E-2},null,{"$f":"(B106-B107)*C99*(4/12)","v":9.2756913045969401E-5},-9.2756913045969401E-5]
["Month 105",{"$f":"'Retention Curves'!B107","v":3.5112365669362287E-2},null,{"$f":"(B107-B108)*C99*(3/12)","v":6.9219846360554709E-5},-6.9219846360554709E-5]
["Month 106",{"$f":"'Retention Curves'!B108","v":3.4936803841015475E-2},null,{"$f":"(B108-B109)*C99*(2/12)","v":4.5915831419167762E-5},-4.5915831419167762E-5]
["Month 107",{"$f":"'Retention Curves'!B109","v":3.4762119821810399E-2},null,{"$f":"(B109-B110)*C99*(1/12)","v":2.2843126131035698E-5},-2.2843126131035698E-5]
["Month 108",{"$f":"'Retention Curves'!B110","v":3.4588309222701348E-2},{"$f":"B111*$K$4","v":1.4776125699938016},{"$f":"(B110-B111)*C99*(0/12)","v":0},1.4776125699938016]
["Month 109",{"$f":"'Retention Curves'!B111","v":3.4415367676587844E-2},null,{"$f":"(B111-B112)*C111*(11/12)","v":2.3424555221052051E-4},-2.3424555221052051E-4]
["Month 110",{"$f":"'Retention Curves'!B112","v":3.4243290838204904E-2},null,{"$f":"(B112-B113)*C111*(10/12)","v":2.1188574949951959E-4},-2.1188574949951959E-4]
["Month 111",{"$f":"'Retention Curves'!B113","v":3.4072074384013877E-2},null,{"$f":"(B113-B114)*C111*(9/12)","v":1.8974368867682193E-4},-1.8974368867682193E-4]
["Month 112",{"$f":"'Retention Curves'!B114","v":3.3901714012093805E-2},null,{"$f":"(B114-B115)*C111*(8/12)","v":1.678177513186121E-4},-1.678177513186121E-4]
["Month 113",{"$f":"'Retention Curves'!B115","v":3.3732205442033335E-2},null,{"$f":"(B115-B116)*C111*(7/12)","v":1.461063297417647E-4},-1.461063297417647E-4]
["Month 114",{"$f":"'Retention Curves'!B116","v":3.356354441482317E-2},null,{"$f":"(B116-B117)*C111*(6/12)","v":1.2460782693690333E-4},-1.2460782693690333E-4]
["Month 115",{"$f":"'Retention Curves'!B117","v":3.3395726692749053E-2},null,{"$f":"(B117-B118)*C111*(5/12)","v":1.0332065650185031E-4},-1.0332065650185031E-4]
["Month 116",{"$f":"'Retention Curves'!B118","v":3.3228748059285308E-2},null,{"$f":"(B118-B119)*C111*(4/12)","v":8.2243242575472382E-5},-8.2243242575472382E-5]
["Month 117",{"$f":"'Retention Curves'!B119","v":3.3062604318988879E-2},null,{"$f":"(B119-B120)*C111*(3/12)","v":6.1374019771947248E-5},-6.1374019771947248E-5]
["Month 118",{"$f":"'Retention Curves'!B120","v":3.2897291297393938E-2},null,{"$f":"(B120-B121)*C111*(2/12)","v":4.0711433115390351E-5},-4.0711433115390351E-5]
["Month 119",{"$f":"'Retention Curves'!B121","v":3.2732804840906966E-2},null,{"$f":"(B121-B122)*C111*(1/12)","v":2.0253937974907313E-5},-2.0253937974907313E-5]
["Month 120",{"$f":"'Retention Curves'!B122","v":2.7951721733358807E-2},{"$f":"B123*$K$4","v":1.1940975524490882},{"$f":"(B122-B123)*C111*(0/12)","v":0},1.1940975524490882]

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[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"J4/12","v":7.4217500000000003},null,{"$f":"C3-D3","v":7.4217500000000003},"Year 0",{"$f":"E3","v":7.4217500000000003},null,null,"New Commission","Renewal Commission"]
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{"sheet":"6DRL","index":4,"n_rows":123,"n_cols":12,"rows_kept":123,"cut":false,"hidden":false,"merged":[]}
[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"J4/6","v":5.7399999999999993},null,{"$f":"C3-D3","v":5.7399999999999993},"Year 0",{"$f":"E3","v":5.7399999999999993},null,null,"New Commission","Renewal Commission"]
["Month 1",{"$f":"'Retention Curves'!C3","v":0.77059412550066753},{"$f":"($K$4/6)*B4","v":4.4232102803738309},null,{"$f":"C4-D4","v":4.4232102803738309},"Year 1",{"$f":"SUM(E4:E15)","v":28.238654205607475},null,null,34.44,34.44,37.573199999999993]
["Month 2",{"$f":"'Retention Curves'!C4","v":0.6505006675567423},3.7338738317757003,null,3.7338738317757003,"Year 2",{"$f":"SUM(E16:E27)","v":10.952850273710093}]
["Month 3",{"$f":"'Retention Curves'!C5","v":0.55607476635514019},3.1918691588785042,null,3.1918691588785042,"Year 3",{"$f":"SUM(E28:E39)","v":3.4102419395519998}]
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["Month 89",{"$f":"'Retention Curves'!C91","v":9.4843499315374682E-3},5.4440168607025059E-2,null,5.4440168607025059E-2]
["Month 90",{"$f":"'Retention Curves'!C92","v":9.2946629329067193E-3},5.3351365234884561E-2,null,5.3351365234884561E-2]
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["Month 101",{"$f":"'Retention Curves'!C103","v":7.4425280050304556E-3},4.2720110748874808E-2,null,4.2720110748874808E-2]
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{"sheet":"12GNL","index":5,"n_rows":123,"n_cols":12,"rows_kept":123,"cut":false,"hidden":false,"merged":[]}
[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"J4/12","v":15.62},null,{"$f":"C3-D3","v":15.62},"Year 0",{"$f":"E3","v":15.62},null,null,"New Commission","Renewal Commission"]
["Month 1",{"$f":"'Retention Curves'!D3","v":0.9747561980176972},{"$f":"B4*($K$4/12)","v":15.225691813036429},null,{"$f":"C4-D4","v":15.225691813036429},"Year 1",{"$f":"SUM(E4:E15)","v":92.490017721520957},null,null,187.44,187.44,18.96]
["Month 2",{"$f":"'Retention Curves'!D4","v":0.85253380752760111},13.316578073581129,null,13.316578073581129,"Year 2",{"$f":"SUM(E16:E27)","v":30.60563873644686}]
["Month 3",{"$f":"'Retention Curves'!D5","v":0.70513769908234147},11.014250859666173,null,11.014250859666173,"Year 3",{"$f":"SUM(E28:E39)","v":9.2801357309760011}]
["Month 4",{"$f":"'Retention Curves'!D6","v":0.59608458905564077},9.3108412810491075,null,9.3108412810491075,"Year 4",{"$f":"SUM(E40:E51)","v":4.5594552874114642}]
["Month 5",{"$f":"'Retention Curves'!D7","v":0.52267942489617258},8.1642526168782155,null,8.1642526168782155,"Year 5",{"$f":"SUM(E52:E63)","v":3.5778808151528354}]
["Month 6",{"$f":"'Retention Curves'!D8","v":0.46585285032399382},7.2766215220607826,null,7.2766215220607826,"Year 6",{"$f":"SUM(E64:E75)","v":2.8076229111803284}]
["Month 7",{"$f":"'Retention Curves'!D9","v":0.39309447548639936},6.1401357070975582,null,6.1401357070975582,"Year 7",{"$f":"SUM(E76:E87)","v":2.2031886523441884}]
["Month 8",{"$f":"'Retention Curves'!D10","v":0.32830529664578328},5.1281287336071344,null,5.1281287336071344,"Year 8",{"$f":"SUM(E88:E99)","v":1.7288789810372205}]
["Month 9",{"$f":"'Retention Curves'!D11","v":0.30110168084843381},4.7032082548525356,null,4.7032082548525356,"Year 9",{"$f":"SUM(E100:E111)","v":1.3566802497334864}]
["Month 10",{"$f":"'Retention Curves'!D12","v":0.27886187051404893},4.3558224174294438,null,4.3558224174294438,"Year 10",{"$f":"SUM(E112:E123)","v":1.0646096807265719}]
["Month 11",{"$f":"'Retention Curves'!D13","v":0.25960368334989481},4.0550095339253565,null,4.0550095339253565,"Discount Rate",0]
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{"sheet":"6GNL","index":6,"n_rows":123,"n_cols":12,"rows_kept":123,"cut":false,"hidden":false,"merged":[]}
[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"J4/6","v":16.64},null,{"$f":"C3-D3","v":16.64},"Year 0",{"$f":"E3","v":16.64},null,null,"New Commission","Renewal Commission"]
["Month 1",{"$f":"'Retention Curves'!D3","v":0.9747561980176972},{"$f":"($K$4/6)*B4","v":16.219943135014482},null,{"$f":"C4-D4","v":16.219943135014482},"Year 1",{"$f":"SUM(E4:E15)","v":98.529698776319393},null,null,99.84,99.84,37.573199999999993]
["Month 2",{"$f":"'Retention Curves'!D4","v":0.85253380752760111},14.186162557259284,null,14.186162557259284,"Year 2",{"$f":"SUM(E16:E27)","v":32.6042143773672}]
["Month 3",{"$f":"'Retention Curves'!D5","v":0.70513769908234147},11.733491312730163,null,11.733491312730163,"Year 3",{"$f":"SUM(E28:E39)","v":9.8861369118720006}]
["Month 4",{"$f":"'Retention Curves'!D6","v":0.59608458905564077},9.9188475618858636,null,9.9188475618858636,"Year 4",{"$f":"SUM(E40:E51)","v":4.8571918042590774}]
["Month 5",{"$f":"'Retention Curves'!D7","v":0.52267942489617258},8.6973856302723114,null,8.6973856302723114,"Year 5",{"$f":"SUM(E52:E63)","v":3.8115196391897048}]
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["Month 7",{"$f":"'Retention Curves'!D9","v":0.39309447548639936},6.5410920720936856,null,6.5410920720936856,"Year 7",{"$f":"SUM(E76:E87)","v":2.3470588460311963}]
["Month 8",{"$f":"'Retention Curves'!D10","v":0.32830529664578328},5.4630001361858342,null,5.4630001361858342,"Year 8",{"$f":"SUM(E88:E99)","v":1.8417763280703805}]
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["Month 10",{"$f":"'Retention Curves'!D12","v":0.27886187051404893},4.6402615253537745,null,4.6402615253537745,"Year 10",{"$f":"SUM(E112:E123)","v":1.1341296470736335}]
["Month 11",{"$f":"'Retention Curves'!D13","v":0.25960368334989481},4.3198052909422495,null,4.3198052909422495,"Discount Rate",0]
["Month 12",{"$f":"'Retention Curves'!D14","v":0.24324436032887872},4.0475861558725423,null,4.0475861558725423,"NPV",{"$f":"NPV(G14,G4:G13)+G3","v":176.08796221991406}]
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["Month 67",{"$f":"'Retention Curves'!D69","v":1.4792238618542342E-2},0.24614285061254457,null,0.24614285061254457]
["Month 68",{"$f":"'Retention Curves'!D70","v":1.4496393846171494E-2},0.24121999360029367,null,0.24121999360029367]
["Month 69",{"$f":"'Retention Curves'!D71","v":1.4206465969248063E-2},0.23639559372828778,null,0.23639559372828778]
["Month 70",{"$f":"'Retention Curves'!D72","v":1.3922336649863101E-2},0.23166768185372202,null,0.23166768185372202]
["Month 71",{"$f":"'Retention Curves'!D73","v":1.364388991686584E-2},0.22703432821664757,null,0.22703432821664757]
["Month 72",{"$f":"'Retention Curves'!D74","v":1.3371012118528522E-2},0.22249364165231461,null,0.22249364165231461]
["Month 73",{"$f":"'Retention Curves'!D75","v":1.3103591876157951E-2},0.21804376881926832,null,0.21804376881926832]
["Month 74",{"$f":"'Retention Curves'!D76","v":1.2841520038634792E-2},0.21368289344288294,null,0.21368289344288294]
["Month 75",{"$f":"'Retention Curves'!D77","v":1.2584689637862096E-2},0.2094092355740253,null,0.2094092355740253]
["Month 76",{"$f":"'Retention Curves'!D78","v":1.2332995845104854E-2},0.20522105086254477,null,0.20522105086254477]
["Month 77",{"$f":"'Retention Curves'!D79","v":1.2086335928202756E-2},0.20111662984529388,null,0.20111662984529388]
["Month 78",{"$f":"'Retention Curves'!D80","v":1.1844609209638701E-2},0.19709429724838801,null,0.19709429724838801]
["Month 79",{"$f":"'Retention Curves'!D81","v":1.1607717025445927E-2},0.19315241130342023,null,0.19315241130342023]
["Month 80",{"$f":"'Retention Curves'!D82","v":1.1375562684937009E-2},0.18928936307735184,null,0.18928936307735184]
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["Month 83",{"$f":"'Retention Curves'!D85","v":1.0706588594561233E-2},0.17815763421349892,null,0.17815763421349892]
["Month 84",{"$f":"'Retention Curves'!D86","v":1.0492456822670007E-2},0.17459448152922893,null,0.17459448152922893]
["Month 85",{"$f":"'Retention Curves'!D87","v":1.0282607686216607E-2},0.17110259189864435,null,0.17110259189864435]
["Month 86",{"$f":"'Retention Curves'!D88","v":1.0076955532492275E-2},0.16768054006067146,null,0.16768054006067146]
["Month 87",{"$f":"'Retention Curves'!D89","v":9.8754164218424288E-3},0.16432692925945802,null,0.16432692925945802]
["Month 88",{"$f":"'Retention Curves'!D90","v":9.6779080934055808E-3},0.16104039067426887,null,0.16104039067426887]
["Month 89",{"$f":"'Retention Curves'!D91","v":9.4843499315374682E-3},0.15781958286078349,null,0.15781958286078349]
["Month 90",{"$f":"'Retention Curves'!D92","v":9.2946629329067193E-3},0.15466319120356781,null,0.15466319120356781]
["Month 91",{"$f":"'Retention Curves'!D93","v":9.108769674248585E-3},0.15156992737949646,null,0.15156992737949646]
["Month 92",{"$f":"'Retention Curves'!D94","v":8.9265942807636132E-3},0.14853852883190652,null,0.14853852883190652]
["Month 93",{"$f":"'Retention Curves'!D95","v":8.7480623951483403E-3},0.14556775825526838,null,0.14556775825526838]
["Month 94",{"$f":"'Retention Curves'!D96","v":8.5731011472453735E-3},0.14265640309016303,null,0.14265640309016303]
["Month 95",{"$f":"'Retention Curves'!D97","v":8.4016391243004664E-3},0.13980327502835976,null,0.13980327502835976]
["Month 96",{"$f":"'Retention Curves'!D98","v":8.2336063418144562E-3},0.13700720952779255,null,0.13700720952779255]
["Month 97",{"$f":"'Retention Curves'!D99","v":8.068934214978167E-3},0.1342670653372367,null,0.1342670653372367]
["Month 98",{"$f":"'Retention Curves'!D100","v":7.9075555306786036E-3},0.13158172403049198,null,0.13158172403049198]
["Month 99",{"$f":"'Retention Curves'!D101","v":7.749404420065031E-3},0.12895008954988213,null,0.12895008954988213]
["Month 100",{"$f":"'Retention Curves'!D102","v":7.59441633166373E-3},0.12637108775888448,null,0.12637108775888448]
["Month 101",{"$f":"'Retention Curves'!D103","v":7.4425280050304556E-3},0.12384366600370679,null,0.12384366600370679]
["Month 102",{"$f":"'Retention Curves'!D104","v":7.2936774449298466E-3},0.12136679268363265,null,0.12136679268363265]
["Month 103",{"$f":"'Retention Curves'!D105","v":7.1478038960312495E-3},0.11893945682996,null,0.11893945682996]
["Month 104",{"$f":"'Retention Curves'!D106","v":7.0048478181106242E-3},0.11656066769336079,null,0.11656066769336079]
["Month 105",{"$f":"'Retention Curves'!D107","v":6.8647508617484115E-3},0.11422945433949357,null,0.11422945433949357]
["Month 106",{"$f":"'Retention Curves'!D108","v":6.7274558445134429E-3},0.1119448652527037,null,0.1119448652527037]
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{"sheet":"12INF","index":7,"n_rows":123,"n_cols":12,"rows_kept":123,"cut":false,"hidden":false,"merged":[]}
[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"B3*J4","v":35.64},null,{"$f":"C3-D3","v":35.64},"Year 0",{"$f":"E3","v":35.64},null,null,"New Commission","Renewal Commission"]
["Month 1",0.9747561980176972,null,{"$f":"(B3-B4)*C3*(11/12)","v":0.82471501076183262},{"$f":"C4-D4","v":-0.82471501076183262},"Year 1",{"$f":"SUM(E4:E15)","v":-10.683579391502231},null,null,35.64,21.060000000000002,94.08]
["Month 2",0.85253380752760111,null,{"$f":"(B4-B5)*C3*(10/12)","v":3.6300049975558544},-3.6300049975558544,"Year 2",{"$f":"SUM(E16:E27)","v":2.2434710646274039}]
["Month 3",0.70513769908234147,null,{"$f":"(B5-B6)*C3*(9/12)","v":3.93989797874179},-3.93989797874179,"Year 3",{"$f":"SUM(E28:E39)","v":0.41088567423431915}]
["Month 4",0.59608458905564077,null,{"$f":"(B6-B7)*C3*(8/12)","v":2.5911018942344084},-2.5911018942344084,"Year 4",{"$f":"SUM(E40:E51)","v":0.45563470767936154}]
["Month 5",0.52267942489617258,null,{"$f":"(B7-B8)*C3*(7/12)","v":1.5260933628753437},-1.5260933628753437,"Year 5",{"$f":"SUM(E52:E63)","v":0.3578247263690495}]
["Month 6",0.46585285032399382,null,{"$f":"(B8-B9)*C3*(6/12)","v":1.0126495588762257},-1.0126495588762257,"Year 6",{"$f":"SUM(E64:E75)","v":0.28096380494558243}]
["Month 7",0.39309447548639936,null,{"$f":"(B9-B10)*C3*(5/12)","v":1.0804618663382777},-1.0804618663382777,"Year 7",{"$f":"SUM(E76:E87)","v":0.22058337748307971}]
["Month 8",0.32830529664578328,null,{"$f":"(B10-B11)*C3*(4/12)","v":0.76969544462651895},-0.76969544462651895,"Year 8",{"$f":"SUM(E88:E99)","v":0.17316097260338312}]
["Month 9",0.30110168084843381,null,{"$f":"(B11-B12)*C3*(3/12)","v":0.24238421675438385},-0.24238421675438385,"Year 9",{"$f":"SUM(E100:E111)","v":0.13592264921622746}]
["Month 10",0.27886187051404893,null,{"$f":"(B12-B13)*C3*(2/12)","v":0.13210447338624617},-0.13210447338624617,"Year 10",{"$f":"SUM(E112:E123)","v":0.10668561539306129}]
["Month 11",0.25960368334989481,null,{"$f":"(B13-B14)*C3*(1/12)","v":5.7196815877537728E-2},-5.7196815877537728E-2,"Discount Rate",0]
["Month 12",0.24324436032887872,{"$f":"B15*$K$4","v":5.1227262285261865},null,5.1227262285261865,"NPV",{"$f":"NPV(G14,G4:G13)+G3","v":29.341553201049237}]
["Month 13",0.2208028855652503,null,{"$f":"(B15-B16)*C15*(11/12)","v":0.10538140376357719},-0.10538140376357719]
["Month 14",0.20177025949653826,null,{"$f":"(B16-B17)*C15*(10/12)","v":8.1249110633268645E-2},-8.1249110633268645E-2]
["Month 15",0.19149508681028282,null,{"$f":"(B17-B18)*C15*(9/12)","v":3.9477672466887465E-2},-3.9477672466887465E-2]
["Month 16",0.18199946267092995,null,{"$f":"(B18-B19)*C15*(8/12)","v":3.2428988556592896E-2},-3.2428988556592896E-2]
["Month 17",0.17321553000147019,null,{"$f":"(B19-B20)*C15*(7/12)","v":2.6248647994012237E-2},-2.6248647994012237E-2]
["Month 18",0.16499298788872435,null,{"$f":"(B20-B21)*C15*(6/12)","v":2.1060916073062118E-2},-2.1060916073062118E-2]
["Month 19",0.15423139408111458,null,{"$f":"(B21-B22)*C15*(5/12)","v":2.2970291191244819E-2},-2.2970291191244819E-2]
["Month 20",0.14478940544870714,null,{"$f":"(B22-B23)*C15*(4/12)","v":1.6122907605559903E-2},-1.6122907605559903E-2]
["Month 21",0.13936074195951717,null,{"$f":"(B23-B24)*C15*(3/12)","v":6.9523892104789813E-3},-6.9523892104789813E-3]
["Month 22",0.13425131018098152,null,{"$f":"(B24-B25)*C15*(2/12)","v":4.3623700307949629E-3},-4.3623700307949629E-3]
["Month 23",0.12892712765397493,null,{"$f":"(B25-B26)*C15*(1/12)","v":2.2728607897131233E-3},-2.2728607897131233E-3]
["Month 24",0.1235516914977491,{"$f":"B27*$K$4","v":2.6019986229425962},null,2.6019986229425962]
["Month 25",0.08,null,{"$f":"(B27-B28)*C27*(11/12)","v":0.10387798786196692},-0.10387798786196692]
["Month 26",7.0000000000000007E-2,null,{"$f":"(B28-B29)*C27*(10/12)","v":2.1683321857854959E-2},-2.1683321857854959E-2]
["Month 27",7.0000000000000007E-2,null,{"$f":"(B29-B30)*C27*(9/12)","v":0},0]
["Month 28",7.0000000000000007E-2,null,{"$f":"(B30-B31)*C27*(8/12)","v":0},0]
["Month 29",7.0000000000000007E-2,null,{"$f":"(B31-B32)*C27*(7/12)","v":0},0]
["Month 30",0.05,null,{"$f":"(B32-B33)*C27*(6/12)","v":2.6019986229425966E-2},-2.6019986229425966E-2]
["Month 31",0.04,null,{"$f":"(B33-B34)*C27*(5/12)","v":1.0841660928927487E-2},-1.0841660928927487E-2]
["Month 32",0.03,null,{"$f":"(B34-B35)*C27*(4/12)","v":8.6733287431419882E-3},-8.6733287431419882E-3]
["Month 33",2.9399999999999999E-2,null,{"$f":"(B35-B36)*C27*(3/12)","v":3.9029979344138934E-4},-3.9029979344138934E-4]
["Month 34",2.8811999999999997E-2,null,{"$f":"(B36-B37)*C27*(2/12)","v":2.5499586504837516E-4},-2.5499586504837516E-4]
["Month 35",2.8235759999999995E-2,null,{"$f":"(B37-B38)*C27*(1/12)","v":1.2494797387370394E-4},-1.2494797387370394E-4]
["Month 36",2.7671044799999996E-2,{"$f":"B39*$K$4","v":0.58275220348799994},null,0.58275220348799994]
["Month 37",2.7117623903999997E-2,null,{"$f":"(B39-B40)*C39*(11/12)","v":2.9563164271694399E-4},-2.9563164271694399E-4]
["Month 38",2.6575271425919995E-2,null,{"$f":"(B40-B41)*C39*(10/12)","v":2.6338091805691534E-4},-2.6338091805691534E-4]
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["Month 45",2.3070671677803113E-2,null,{"$f":"(B47-B48)*C39*(3/12)","v":6.8594309980550737E-5},-6.8594309980550737E-5]
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["Month 52",2.0028239152652828E-2,null,{"$f":"(B54-B55)*C51*(8/12)","v":1.2460981812260059E-4},-1.2460981812260059E-4]
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["Month 56",1.8473410095272348E-2,null,{"$f":"(B58-B59)*C51*(4/12)","v":5.7468064329838981E-5},-5.7468064329838981E-5]
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["Month 58",1.774186305549956E-2,null,{"$f":"(B60-B61)*C51*(2/12)","v":2.7596164491188789E-5},-2.7596164491188789E-5]
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["Month 73",1.3103591876157951E-2,null,{"$f":"(B75-B76)*C75*(11/12)","v":6.9028488915008363E-5},-6.9028488915008363E-5]
["Month 74",1.2841520038634792E-2,null,{"$f":"(B76-B77)*C75*(10/12)","v":6.1498108306098383E-5},-6.1498108306098383E-5]
["Month 75",1.2584689637862096E-2,null,{"$f":"(B77-B78)*C75*(9/12)","v":5.4241331525978705E-5},-5.4241331525978705E-5]
["Month 76",1.2332995845104854E-2,null,{"$f":"(B78-B79)*C75*(8/12)","v":4.7250226573741563E-5},-4.7250226573741563E-5]
["Month 77",1.2086335928202756E-2,null,{"$f":"(B79-B80)*C75*(7/12)","v":4.0517069286983349E-5},-4.0517069286983349E-5]
["Month 78",1.1844609209638701E-2,null,{"$f":"(B80-B81)*C75*(6/12)","v":3.4034338201065934E-5},-3.4034338201065934E-5]
["Month 79",1.1607717025445927E-2,null,{"$f":"(B81-B82)*C75*(5/12)","v":2.7794709530870606E-5},-2.7794709530870606E-5]
["Month 80",1.1375562684937009E-2,null,{"$f":"(B82-B83)*C75*(4/12)","v":2.1791052272202448E-5},-2.1791052272202448E-5]
["Month 81",1.1148051431238268E-2,null,{"$f":"(B83-B84)*C75*(3/12)","v":1.6016423420068864E-5},-1.6016423420068864E-5]
["Month 82",1.0925090402613503E-2,null,{"$f":"(B84-B85)*C75*(2/12)","v":1.0464063301111609E-5},-1.0464063301111609E-5]
["Month 83",1.0706588594561233E-2,null,{"$f":"(B85-B86)*C75*(1/12)","v":5.1273910175447101E-6},-5.1273910175447101E-6]
["Month 84",1.0492456822670007E-2,{"$f":"B87*$K$4","v":0.22097114068543039},null,0.22097114068543039]
["Month 85",1.0282607686216607E-2,null,{"$f":"(B87-B88)*C87*(11/12)","v":4.2506386132797058E-5},-4.2506386132797058E-5]
["Month 86",1.0076955532492275E-2,null,{"$f":"(B88-B89)*C87*(10/12)","v":3.7869325827401029E-5},-3.7869325827401029E-5]
["Month 87",9.8754164218424288E-3,null,{"$f":"(B89-B90)*C87*(9/12)","v":3.3400745379767693E-5},-3.3400745379767693E-5]
["Month 88",9.6779080934055808E-3,null,{"$f":"(B90-B91)*C87*(8/12)","v":2.9095760419708604E-5},-2.9095760419708604E-5]
["Month 89",9.4843499315374682E-3,null,{"$f":"(B91-B92)*C87*(7/12)","v":2.4949614559900343E-5},-2.4949614559900343E-5]
["Month 90",9.2946629329067193E-3,null,{"$f":"(B92-B93)*C87*(6/12)","v":2.0957676230316134E-5},-2.0957676230316134E-5]
["Month 91",9.108769674248585E-3,null,{"$f":"(B93-B94)*C87*(5/12)","v":1.7115435588091544E-5},-1.7115435588091544E-5]
["Month 92",8.9265942807636132E-3,null,{"$f":"(B94-B95)*C87*(4/12)","v":1.3418501501063775E-5},-1.3418501501063775E-5]
["Month 93",8.7480623951483403E-3,null,{"$f":"(B95-B96)*C87*(3/12)","v":9.8625986032819124E-6},-9.8625986032819124E-6]
["Month 94",8.5731011472453735E-3,null,{"$f":"(B96-B97)*C87*(2/12)","v":6.443564420810822E-6},-6.443564420810822E-6]
["Month 95",8.4016391243004664E-3,null,{"$f":"(B97-B98)*C87*(1/12)","v":3.157346566197296E-6},-3.157346566197296E-6]
["Month 96",8.2336063418144562E-3,{"$f":"B99*$K$4","v":0.17339974955861245},null,0.17339974955861245]
["Month 97",8.068934214978167E-3,null,{"$f":"(B99-B100)*C99*(11/12)","v":2.6174596756638547E-5},-2.6174596756638547E-5]
["Month 98",7.9075555306786036E-3,null,{"$f":"(B100-B101)*C99*(10/12)","v":2.33191862013689E-5},-2.33191862013689E-5]
["Month 99",7.749404420065031E-3,null,{"$f":"(B101-B102)*C99*(9/12)","v":2.0567522229607429E-5},-2.0567522229607429E-5]
["Month 100",7.59441633166373E-3,null,{"$f":"(B102-B103)*C99*(8/12)","v":1.7916597142235791E-5},-1.7916597142235791E-5]
["Month 101",7.4425280050304556E-3,null,{"$f":"(B103-B104)*C99*(7/12)","v":1.5363482049467134E-5},-1.5363482049467134E-5]
["Month 102",7.2936774449298466E-3,null,{"$f":"(B104-B105)*C99*(6/12)","v":1.2905324921552394E-5},-1.2905324921552394E-5]
["Month 103",7.1478038960312495E-3,null,{"$f":"(B105-B106)*C99*(5/12)","v":1.0539348685934474E-5},-1.0539348685934474E-5]
["Month 104",7.0048478181106242E-3,null,{"$f":"(B106-B107)*C99*(4/12)","v":8.2628493697726386E-6},-8.2628493697726386E-6]
["Month 105",6.8647508617484115E-3,null,{"$f":"(B107-B108)*C99*(3/12)","v":6.0731942867828833E-6},-6.0731942867828833E-6]
["Month 106",6.7274558445134429E-3,null,{"$f":"(B108-B109)*C99*(2/12)","v":3.9678202673648225E-6},-3.9678202673648225E-6]
["Month 107",6.5929067276231743E-3,null,{"$f":"(B109-B110)*C99*(1/12)","v":1.9442319310087539E-6},-1.9442319310087539E-6]
["Month 108",6.4610485930707111E-3,{"$f":"B111*$K$4","v":0.13606968337006919},null,0.13606968337006919]
["Month 109",6.3318276212092966E-3,null,{"$f":"(B111-B112)*C111*(11/12)","v":1.6117801998792347E-5},-1.6117801998792347E-5]
["Month 110",6.2051910687851109E-3,null,{"$f":"(B112-B113)*C111*(10/12)","v":1.4359496326196761E-5},-1.4359496326196761E-5]
["Month 111",6.0810872474094087E-3,null,{"$f":"(B113-B114)*C111*(9/12)","v":1.2665075759705572E-5},-1.2665075759705572E-5]
["Month 112",5.9594655024612208E-3,null,{"$f":"(B114-B115)*C111*(8/12)","v":1.1032688217343493E-5},-1.1032688217343493E-5]
["Month 113",5.8402761924119962E-3,null,{"$f":"(B115-B116)*C111*(7/12)","v":9.4605301463720814E-6},-9.4605301463720814E-6]
["Month 114",5.723470668563756E-3,null,{"$f":"(B116-B117)*C111*(6/12)","v":7.9468453229525527E-6},-7.9468453229525527E-6]
["Month 115",5.6090012551924806E-3,null,{"$f":"(B117-B118)*C111*(5/12)","v":6.4899236804112563E-6},-6.4899236804112563E-6]
["Month 116",5.4968212300886311E-3,null,{"$f":"(B118-B119)*C111*(4/12)","v":5.0881001654424037E-6},-5.0881001654424037E-6]
["Month 117",5.3868848054868584E-3,null,{"$f":"(B119-B120)*C111*(3/12)","v":3.7397536216001749E-6},-3.7397536216001749E-6]
["Month 118",5.2791471093771207E-3,null,{"$f":"(B120-B121)*C111*(2/12)","v":2.4433056994454567E-6},-2.4433056994454567E-6]
["Month 119",5.1735641671895784E-3,null,{"$f":"(B121-B122)*C111*(1/12)","v":1.1972197927282666E-6},-1.1972197927282666E-6]
["Month 120",5.0700928838457865E-3,{"$f":"B123*$K$4","v":0.10677615613379228},null,0.10677615613379228]

{"sheet":"6INF","index":8,"n_rows":123,"n_cols":12,"rows_kept":123,"cut":false,"hidden":false,"merged":[]}
[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"B3*J4","v":108.02},null,{"$f":"C3-D3","v":108.02},"Year 0",{"$f":"E3","v":108.02},null,null,"New Commission","Renewal Commission"]
["Month 1",0.9747561980176972,null,{"$f":"(B3-B4)*C3*(5/6)","v":2.2723629084402908},{"$f":"C4-D4","v":-2.2723629084402908},"Year 1",{"$f":"SUM(E4:E15)","v":17.171027156207145},null,null,108.02,63.830000000000005,253.74999999999997]
["Month 2",0.85253380752760111,null,{"$f":"(B4-B5)*C3*(4/6)","v":8.8016417471601187},-8.8016417471601187,"Year 2",{"$f":"SUM(E16:E27)","v":17.562193721315182}]
["Month 3",0.70513769908234147,null,{"$f":"(B5-B6)*C3*(3/6)","v":7.9608638171284722},-7.9608638171284722,"Year 3",{"$f":"SUM(E28:E39)","v":4.5691871814180089}]
["Month 4",0.59608458905564077,null,{"$f":"(B6-B7)*C3*(2/6)","v":3.9266389816947367},-3.9266389816947367,"Year 4",{"$f":"SUM(E40:E51)","v":2.9463662506830781}]
["Month 5",0.52267942489617258,null,{"$f":"(B7-B8)*C3*(1/6)","v":1.3215376387509588},-1.3215376387509588,"Year 5",{"$f":"SUM(E52:E63)","v":2.3127802970966682}]
["Month 6",0.46585285032399382,{"$f":"B9*$K$4","v":29.735387436180527},null,29.735387436180527,"Year 6",{"$f":"SUM(E64:E75)","v":1.8153191542415277}]
["Month 7",0.39309447548639936,null,{"$f":"(B9-B10)*C9*(5/6)","v":1.802915387518933},-1.802915387518933,"Year 7",{"$f":"SUM(E76:E87)","v":1.4247833367070353}]
["Month 8",0.32830529664578328,null,{"$f":"(B10-B11)*C9*(4/6)","v":1.2843542229984724},-1.2843542229984724,"Year 8",{"$f":"SUM(E88:E99)","v":1.1182188273298626}]
["Month 9",0.30110168084843381,null,{"$f":"(B11-B12)*C9*(3/6)","v":0.40445502769959391},-0.40445502769959391,"Year 9",{"$f":"SUM(E100:E111)","v":0.87758816723924415}]
["Month 10",0.27886187051404893,null,{"$f":"(B12-B13)*C9*(2/6)","v":0.22043645893336866},-0.22043645893336866,"Year 10",{"$f":"SUM(E112:E123)","v":0.68872163075078363}]
["Month 11",0.25960368334989481,null,{"$f":"(B13-B14)*C9*(1/6)","v":9.5441609440766906E-2},-9.5441609440766906E-2,"Discount Rate",0]
["Month 12",0.24324436032887872,{"$f":"B15*$K$4","v":15.52628751979233},null,15.52628751979233,"NPV",{"$f":"NPV(G14,G4:G13)+G3","v":158.50618572298853}]
["Month 13",0.2208028855652503,null,{"$f":"(B15-B16)*C15*(5/6)","v":0.29036065795688215},-0.29036065795688215]
["Month 14",0.20177025949653826,null,{"$f":"(B16-B17)*C15*(4/6)","v":0.19700401639967852},-0.19700401639967852]
["Month 15",0.19149508681028282,null,{"$f":"(B17-B18)*C15*(3/6)","v":7.9767642721159437E-2},-7.9767642721159437E-2]
["Month 16",0.18199946267092995,null,{"$f":"(B18-B19)*C15*(2/6)","v":4.9143930189157754E-2},-4.9143930189157754E-2]
["Month 17",0.17321553000147019,null,{"$f":"(B19-B20)*C15*(1/6)","v":2.2730310696754866E-2},-2.2730310696754866E-2]
["Month 18",0.16499298788872435,{"$f":"B21*$K$4","v":10.531502416937276},null,10.531502416937276]
["Month 19",0.15423139408111458,null,{"$f":"(B21-B22)*C21*(5/6)","v":9.4446459329116272E-2},-9.4446459329116272E-2]
["Month 20",0.14478940544870714,null,{"$f":"(B22-B23)*C21*(4/6)","v":6.6292217401928852E-2},-6.6292217401928852E-2]
["Month 21",0.13936074195951717,null,{"$f":"(B23-B24)*C21*(3/6)","v":2.8585991328571637E-2},-2.8585991328571637E-2]
["Month 22",0.13425131018098152,null,{"$f":"(B24-B25)*C21*(2/6)","v":1.793666437494144E-2},-1.793666437494144E-2]
["Month 23",0.12892712765397493,null,{"$f":"(B25-B26)*C21*(1/6)","v":9.3452735252308478E-3},-9.3452735252308478E-3]
["Month 24",0.1235516914977491,{"$f":"B27*$K$4","v":7.8863044683013257},null,7.8863044683013257]
["Month 25",0.08,null,{"$f":"(B27-B28)*C27*(5/6)","v":0.28621824938398294},-0.28621824938398294]
["Month 26",7.0000000000000007E-2,null,{"$f":"(B28-B29)*C27*(4/6)","v":5.2575363122008813E-2},-5.2575363122008813E-2]
["Month 27",7.0000000000000007E-2,null,{"$f":"(B29-B30)*C27*(3/6)","v":0},0]
["Month 28",7.0000000000000007E-2,null,{"$f":"(B30-B31)*C27*(2/6)","v":0},0]
["Month 29",7.0000000000000007E-2,null,{"$f":"(B31-B32)*C27*(1/6)","v":0},0]
["Month 30",0.05,{"$f":"B33*$K$4","v":3.1915000000000004},null,3.1915000000000004]
["Month 31",0.04,null,{"$f":"(B33-B34)*C33*(5/6)","v":2.6595833333333346E-2},-2.6595833333333346E-2]
["Month 32",0.03,null,{"$f":"(B34-B35)*C33*(4/6)","v":2.1276666666666673E-2},-2.1276666666666673E-2]
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[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
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["Month 49",{"$f":"'Retention Curves'!F51","v":0.10389556178840807},null,null,0]
["Month 50",{"$f":"'Retention Curves'!F52","v":9.9739739316871745E-2},null,null,0]
["Month 51",{"$f":"'Retention Curves'!F53","v":9.5750149744196877E-2},null,null,0]
["Month 52",{"$f":"'Retention Curves'!F54","v":9.1920143754429001E-2},null,null,0]
["Month 53",{"$f":"'Retention Curves'!F55","v":8.8243338004251839E-2},null,null,0]
["Month 54",{"$f":"'Retention Curves'!F56","v":8.4713604484081759E-2},null,null,0]
["Month 55",{"$f":"'Retention Curves'!F57","v":8.1325060304718491E-2},null,null,0]
["Month 56",{"$f":"'Retention Curves'!F58","v":7.8072057892529759E-2},null,null,0]
["Month 57",{"$f":"'Retention Curves'!F59","v":7.494917557682855E-2},null,null,0]
["Month 58",{"$f":"'Retention Curves'!F60","v":7.1951208553755405E-2},null,null,0]
["Month 59",{"$f":"'Retention Curves'!F61","v":6.9073160211605186E-2},null,null,0]
["Month 60",{"$f":"'Retention Curves'!F62","v":6.9073160211605186E-2},null,null,0]
["Month 61",{"$f":"'Retention Curves'!F63","v":6.7691697007373083E-2},null,null,0]
["Month 62",{"$f":"'Retention Curves'!F64","v":6.6337863067225625E-2},null,null,0]
["Month 63",{"$f":"'Retention Curves'!F65","v":6.5011105805881098E-2},null,null,0]
["Month 64",{"$f":"'Retention Curves'!F66","v":6.3710883689763478E-2},null,null,0]
["Month 65",{"$f":"'Retention Curves'!F67","v":6.2436666015968201E-2},null,null,{"$f":"C68-D68","v":0}]
["Month 66",{"$f":"'Retention Curves'!F68","v":6.1187932695648845E-2},null,null,0]
["Month 67",{"$f":"'Retention Curves'!F69","v":5.9964174041735867E-2},null,null,0]
["Month 68",{"$f":"'Retention Curves'!F70","v":5.8764890560901152E-2},null,null,0]
["Month 69",{"$f":"'Retention Curves'!F71","v":5.7589592749683123E-2},null,null,0]
["Month 70",{"$f":"'Retention Curves'!F72","v":5.6437800894689465E-2},null,null,0]
["Month 71",{"$f":"'Retention Curves'!F73","v":5.5309044876795679E-2},null,null,0]
["Month 72",{"$f":"'Retention Curves'!F74","v":5.4202863979259761E-2},null,null,0]
["Month 73",{"$f":"'Retention Curves'!F75","v":5.3118806699674566E-2},null,null,0]
["Month 74",{"$f":"'Retention Curves'!F76","v":5.2056430565681072E-2},null,null,0]
["Month 75",{"$f":"'Retention Curves'!F77","v":5.1015301954367459E-2},null,null,0]
["Month 76",{"$f":"'Retention Curves'!F78","v":4.9994995915280102E-2},null,null,0]
["Month 77",{"$f":"'Retention Curves'!F79","v":4.8995095996974505E-2},null,null,0]
["Month 78",{"$f":"'Retention Curves'!F80","v":4.8015194077035014E-2},null,null,0]
["Month 79",{"$f":"'Retention Curves'!F81","v":4.705489019549431E-2},null,null,0]
["Month 80",{"$f":"'Retention Curves'!F82","v":4.6113792391584425E-2},null,null,0]
["Month 81",{"$f":"'Retention Curves'!F83","v":4.5191516543752731E-2},null,null,0]
["Month 82",{"$f":"'Retention Curves'!F84","v":4.4287686212877674E-2},null,null,0]
["Month 83",{"$f":"'Retention Curves'!F85","v":4.3401932488620121E-2},null,null,0]
["Month 84",{"$f":"'Retention Curves'!F86","v":4.2533893838847717E-2},null,null,0]
["Month 85",{"$f":"'Retention Curves'!F87","v":4.1683215962070766E-2},null,null,0]
["Month 86",{"$f":"'Retention Curves'!F88","v":4.0849551642829343E-2},null,null,0]
["Month 87",{"$f":"'Retention Curves'!F89","v":4.0032560609972755E-2},null,null,0]
["Month 88",{"$f":"'Retention Curves'!F90","v":3.9231909397773303E-2},null,null,0]
["Month 89",{"$f":"'Retention Curves'!F91","v":3.8447271209817835E-2},null,null,0]
["Month 90",{"$f":"'Retention Curves'!F92","v":3.7678325785621476E-2},null,null,0]
["Month 91",{"$f":"'Retention Curves'!F93","v":3.6924759269909048E-2},null,null,0]
["Month 92",{"$f":"'Retention Curves'!F94","v":3.6186264084510866E-2},null,null,0]
["Month 93",{"$f":"'Retention Curves'!F95","v":3.5462538802820652E-2},null,null,0]
["Month 94",{"$f":"'Retention Curves'!F96","v":3.4753288026764237E-2},null,null,0]
["Month 95",{"$f":"'Retention Curves'!F97","v":3.4058222266228955E-2},null,null,0]
["Month 96",{"$f":"'Retention Curves'!F98","v":3.3377057820904374E-2},null,null,0]
["Month 97",{"$f":"'Retention Curves'!F99","v":3.2709516664486293E-2},null,null,0]
["Month 98",{"$f":"'Retention Curves'!F100","v":3.2055326331196565E-2},null,null,0]
["Month 99",{"$f":"'Retention Curves'!F101","v":3.1414219804572638E-2},null,null,0]
["Month 100",{"$f":"'Retention Curves'!F102","v":3.0785935408481183E-2},null,null,0]
["Month 101",{"$f":"'Retention Curves'!F103","v":3.0170216700311558E-2},null,null,0]
["Month 102",{"$f":"'Retention Curves'!F104","v":2.9566812366305328E-2},null,null,0]
["Month 103",{"$f":"'Retention Curves'!F105","v":2.8975476118979219E-2},null,null,0]
["Month 104",{"$f":"'Retention Curves'!F106","v":2.8395966596599636E-2},null,null,0]
["Month 105",{"$f":"'Retention Curves'!F107","v":2.782804726466764E-2},null,null,0]
["Month 106",{"$f":"'Retention Curves'!F108","v":2.7271486319374288E-2},null,null,0]
["Month 107",{"$f":"'Retention Curves'!F109","v":2.67260565929868E-2},null,null,0]
["Month 108",{"$f":"'Retention Curves'!F110","v":2.6191535461127062E-2},null,null,0]
["Month 109",{"$f":"'Retention Curves'!F111","v":2.5667704751904521E-2},null,null,0]
["Month 110",{"$f":"'Retention Curves'!F112","v":2.5154350656866428E-2},null,null,0]
["Month 111",{"$f":"'Retention Curves'!F113","v":2.4651263643729101E-2},null,null,0]
["Month 112",{"$f":"'Retention Curves'!F114","v":2.4158238370854519E-2},null,null,0]
["Month 113",{"$f":"'Retention Curves'!F115","v":2.3675073603437426E-2},null,null,0]
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["Month 119",{"$f":"'Retention Curves'!F121","v":2.0972383567999447E-2},null,null,0]
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{"sheet":"12PRO","index":10,"n_rows":123,"n_cols":12,"rows_kept":123,"cut":false,"hidden":false,"merged":[]}
[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"B3*J4","v":6},null,{"$f":"C3-D3","v":6},"Year 0",{"$f":"E3","v":6},null,null,"New Commission","Renewal Commission"]
["Month 1",{"$f":"'Retention Curves'!G3","v":0.93034213246387687},null,{"$f":"(B3-B4)*C3*(11/12)","v":0.38311827144867722},{"$f":"C4-D4","v":-0.38311827144867722},"Year 1",{"$f":"SUM(E4:E15)","v":0.58316890487064699},null,null,6,6,253.74999999999997]
["Month 2",{"$f":"'Retention Curves'!G4","v":0.88772367847019051},null,{"$f":"(B4-B5)*C3*(10/12)","v":0.21309226996843178},-0.21309226996843178,"Year 2",{"$f":"SUM(E16:E27)","v":1.3805240673157593}]
["Month 3",{"$f":"'Retention Curves'!G5","v":0.78412391316543728},null,{"$f":"(B5-B6)*C3*(9/12)","v":0.46619894387138955},-0.46619894387138955,"Year 3",{"$f":"SUM(E28:E39)","v":1.0611786625295572}]
["Month 4",{"$f":"'Retention Curves'!G6","v":0.71144921927295679},null,{"$f":"(B6-B7)*C3*(8/12)","v":0.29069877556992196},-0.29069877556992196,"Year 4",{"$f":"SUM(E40:E51)","v":0.82964396143367025}]
["Month 5",{"$f":"'Retention Curves'!G7","v":0.66163191257687815},null,{"$f":"(B7-B8)*C3*(7/12)","v":0.17436057343627526},-0.17436057343627526,"Year 5",{"$f":"SUM(E52:E63)","v":0.64933033550646246}]
["Month 6",{"$f":"'Retention Curves'!G8","v":0.62148874520685016},null,{"$f":"(B8-B9)*C3*(6/12)","v":0.12042950211008396},-0.12042950211008396,"Year 6",{"$f":"SUM(E64:E75)","v":0.39902051077287437}]
["Month 7",{"$f":"'Retention Curves'!G9","v":0.52985371491074174},null,{"$f":"(B9-B10)*C3*(5/12)","v":0.22908757574027105},-0.22908757574027105,"Year 7",{"$f":"SUM(E76:E87)","v":0.32226903395712064}]
["Month 8",{"$f":"'Retention Curves'!G10","v":0.50813346746716903},null,{"$f":"(B10-B11)*C3*(4/12)","v":4.3440494887145409E-2},-4.3440494887145409E-2,"Year 8",{"$f":"SUM(E88:E99)","v":0.25338795028423144}]
["Month 9",{"$f":"'Retention Curves'!G11","v":0.48687537907878009},null,{"$f":"(B11-B12)*C3*(3/12)","v":3.1887132582583411E-2},-3.1887132582583411E-2,"Year 9",{"$f":"SUM(E100:E111)","v":0.19914445145203352}]
["Month 10",{"$f":"'Retention Curves'!G12","v":0.4683422115510823},null,{"$f":"(B12-B13)*C3*(2/12)","v":1.8533167527697791E-2},-1.8533167527697791E-2,"Year 10",{"$f":"SUM(E112:E123)","v":0.15646083471597461}]
["Month 11",{"$f":"'Retention Curves'!G13","v":0.44654099394289481},null,{"$f":"(B13-B14)*C3*(1/12)","v":1.0900608804093742E-2},-1.0900608804093742E-2,"Discount Rate",0]
["Month 12",{"$f":"'Retention Curves'!G14","v":0.42748603680286967},{"$f":"B15*$K$4","v":2.564916220817218},null,2.564916220817218,"NPV",{"$f":"NPV(G14,G4:G13)+G3","v":11.834128712838332}]
["Month 13",{"$f":"'Retention Curves'!G15","v":0.38637294298393821},null,{"$f":"(B15-B16)*C15*(11/12)","v":9.666400445547764E-2},-9.666400445547764E-2]
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["Month 16",{"$f":"'Retention Curves'!G18","v":0.35180919924685222},null,{"$f":"(B18-B19)*C15*(8/12)","v":1.7740227227518647E-2},-1.7740227227518647E-2]
["Month 17",{"$f":"'Retention Curves'!G19","v":0.34157310248516642},null,{"$f":"(B19-B20)*C15*(7/12)","v":1.5315259529443126E-2},-1.5315259529443126E-2]
["Month 18",{"$f":"'Retention Curves'!G20","v":0.33125595814125725},null,{"$f":"(B20-B21)*C15*(6/12)","v":1.3231305440102634E-2},-1.3231305440102634E-2]
["Month 19",{"$f":"'Retention Curves'!G21","v":0.30473701283004451},null,{"$f":"(B21-B22)*C15*(5/12)","v":2.834119707820594E-2},-2.834119707820594E-2]
["Month 20",{"$f":"'Retention Curves'!G22","v":0.29683024789829204},null,{"$f":"(B22-B23)*C15*(4/12)","v":6.760063209213546E-3},-6.760063209213546E-3]
["Month 21",{"$f":"'Retention Curves'!G23","v":0.29026287132005252},null,{"$f":"(B23-B24)*C15*(3/12)","v":4.2111926784354093E-3},-4.2111926784354093E-3]
["Month 22",{"$f":"'Retention Curves'!G24","v":0.28335129259791386},null,{"$f":"(B24-B25)*C15*(2/12)","v":2.9546033959780963E-3},-2.9546033959780963E-3]
["Month 23",{"$f":"'Retention Curves'!G25","v":0.27645597322925275},null,{"$f":"(B25-B26)*C15*(1/12)","v":1.473826374699502E-3},-1.473826374699502E-3]
["Month 24",{"$f":"'Retention Curves'!G26","v":0.26940661666401106},{"$f":"B27*$K$4","v":1.6164396999840664},null,1.6164396999840664]
["Month 25",{"$f":"'Retention Curves'!G27","v":0.25069826657384647},null,{"$f":"(B27-B28)*C27*(11/12)","v":2.7720843156363976E-2},-2.7720843156363976E-2]
["Month 26",{"$f":"'Retention Curves'!G28","v":0.24388996006367383},null,{"$f":"(B28-B29)*C27*(10/12)","v":9.1710141105858581E-3},-9.1710141105858581E-3]
["Month 27",{"$f":"'Retention Curves'!G29","v":0.2375495189089715},null,{"$f":"(B29-B30)*C27*(9/12)","v":7.6867055984052544E-3},-7.6867055984052544E-3]
["Month 28",{"$f":"'Retention Curves'!G30","v":0.2329586128065736},null,{"$f":"(B30-B31)*C27*(8/12)","v":4.9472819218767221E-3},-4.9472819218767221E-3]
["Month 29",{"$f":"'Retention Curves'!G31","v":0.22721604485586563},null,{"$f":"(B31-B32)*C27*(7/12)","v":5.4148003089719531E-3},-5.4148003089719531E-3]
["Month 30",{"$f":"'Retention Curves'!G32","v":0.22186096468540206},null,{"$f":"(B32-B33)*C27*(6/12)","v":4.3280820920673802E-3},-4.3280820920673802E-3]
["Month 31",{"$f":"'Retention Curves'!G33","v":0.20885610651155848},null,{"$f":"(B33-B34)*C27*(5/12)","v":8.7589871020262756E-3},-8.7589871020262756E-3]
["Month 32",{"$f":"'Retention Curves'!G34","v":0.20483671136772452},null,{"$f":"(B34-B35)*C27*(4/12)","v":2.1657032934721231E-3},-2.1657032934721231E-3]
["Month 33",{"$f":"'Retention Curves'!G35","v":0.20046218843986405},null,{"$f":"(B35-B36)*C27*(3/12)","v":1.7677881322710515E-3},-1.7677881322710515E-3]
["Month 34",{"$f":"'Retention Curves'!G36","v":0.19714812558306705},null,{"$f":"(B36-B37)*C27*(2/12)","v":8.9283046166154705E-4},-8.9283046166154705E-4]
["Month 35",{"$f":"'Retention Curves'!G37","v":0.19304479094597193},null,{"$f":"(B37-B38)*C27*(1/12)","v":5.5273275081002104E-4},-5.5273275081002104E-4]
["Month 36",{"$f":"'Retention Curves'!G38","v":0.18909757190967824},{"$f":"B39*$K$4","v":1.1345854314580694},null,1.1345854314580694]
["Month 37",{"$f":"'Retention Curves'!G39","v":0.17703051196274044},null,{"$f":"(B39-B40)*C39*(11/12)","v":1.2550184548299575E-2},-1.2550184548299575E-2]
["Month 38",{"$f":"'Retention Curves'!G40","v":0.17406962873578832},null,{"$f":"(B40-B41)*C39*(10/12)","v":2.7994791446236946E-3},-2.7994791446236946E-3]
["Month 39",{"$f":"'Retention Curves'!G41","v":0.17134053611064951},null,{"$f":"(B41-B42)*C39*(9/12)","v":2.3222915501866209E-3},-2.3222915501866209E-3]
["Month 40",{"$f":"'Retention Curves'!G42","v":0.16889393526211616},null,{"$f":"(B42-B43)*C39*(8/12)","v":1.850585119559258E-3},-1.850585119559258E-3]
["Month 41",{"$f":"'Retention Curves'!G43","v":0.16668542218514057},null,{"$f":"(B43-B44)*C39*(7/12)","v":1.4616856113539962E-3},-1.4616856113539962E-3]
["Month 42",{"$f":"'Retention Curves'!G44","v":0.16371273513526069},null,{"$f":"(B44-B45)*C39*(6/12)","v":1.6863837095388895E-3},-1.6863837095388895E-3]
["Month 43",{"$f":"'Retention Curves'!G45","v":0.15574311046228728},null,{"$f":"(B45-B46)*C39*(5/12)","v":3.7675916867268371E-3},-3.7675916867268371E-3]
["Month 44",{"$f":"'Retention Curves'!G46","v":0.1528979947603282},null,{"$f":"(B46-B47)*C39*(4/12)","v":1.0760089420851248E-3},-1.0760089420851248E-3]
["Month 45",{"$f":"'Retention Curves'!G47","v":0.15062464095890124},null,{"$f":"(B47-B48)*C39*(3/12)","v":6.4482852591221196E-4},-6.4482852591221196E-4]
["Month 46",{"$f":"'Retention Curves'!G48","v":0.14829471491968946},null,{"$f":"(B48-B49)*C39*(2/12)","v":4.4058335674408185E-4},-4.4058335674408185E-4]
["Month 47",{"$f":"'Retention Curves'!G49","v":0.14552675815349048},null,{"$f":"(B49-B50)*C39*(1/12)","v":2.6170695181959613E-4},-2.6170695181959613E-4]
["Month 48",{"$f":"'Retention Curves'!G50","v":0.14308421509675337},{"$f":"B51*$K$4","v":0.85850529058052016},null,0.85850529058052016]
["Month 49",{"$f":"'Retention Curves'!G51","v":0.13626198406172399},null,{"$f":"(B51-B52)*C51*(11/12)","v":5.3688446507073962E-3},-5.3688446507073962E-3]
["Month 50",{"$f":"'Retention Curves'!G52","v":0.13339861111457399},null,{"$f":"(B52-B53)*C51*(10/12)","v":2.0485173533611764E-3},-2.0485173533611764E-3]
["Month 51",{"$f":"'Retention Curves'!G53","v":0.13122349096341504},null,{"$f":"(B53-B54)*C51*(9/12)","v":1.4005141180636941E-3},-1.4005141180636941E-3]
["Month 52",{"$f":"'Retention Curves'!G54","v":0.12896954962473464},null,{"$f":"(B54-B55)*C51*(8/12)","v":1.2900137092768413E-3},-1.2900137092768413E-3]
["Month 53",{"$f":"'Retention Curves'!G55","v":0.12743317774852872},null,{"$f":"(B55-B56)*C51*(7/12)","v":7.6940697401277737E-4},-7.6940697401277737E-4]
["Month 54",{"$f":"'Retention Curves'!G56","v":0.12555178361161964},null,{"$f":"(B56-B57)*C51*(6/12)","v":8.0759341010180658E-4},-8.0759341010180658E-4]
["Month 55",{"$f":"'Retention Curves'!G57","v":0.12002398712265737},null,{"$f":"(B57-B58)*C51*(5/12)","v":1.9773510545943902E-3},-1.9773510545943902E-3]
["Month 56",{"$f":"'Retention Curves'!G58","v":0.11781740772135267},null,{"$f":"(B58-B59)*C51*(4/12)","v":6.3145336336869334E-4},-6.3145336336869334E-4]
["Month 57",{"$f":"'Retention Curves'!G59","v":0.11562783064384123},null,{"$f":"(B59-B60)*C51*(3/12)","v":4.6994087629435117E-4},-4.6994087629435117E-4]
["Month 58",{"$f":"'Retention Curves'!G60","v":0.11428850945919906},null,{"$f":"(B60-B61)*C51*(2/12)","v":1.9163572046697834E-4},-1.9163572046697834E-4]
["Month 59",{"$f":"'Retention Curves'!G61","v":0.11240737708115021},null,{"$f":"(B61-B62)*C51*(1/12)","v":1.345801749031044E-4},-1.345801749031044E-4]
["Month 60",{"$f":"'Retention Curves'!G62","v":0.11073669781860228},{"$f":"B63*$K$4","v":0.66442018691161364},null,0.66442018691161364]
["Month 61",{"$f":"'Retention Curves'!G63","v":0.10389556178840807},null,{"$f":"(B63-B64)*C63*(11/12)","v":4.1666064732136252E-3},-4.1666064732136252E-3]
["Month 62",{"$f":"'Retention Curves'!G64","v":9.9739739316871745E-2},null,{"$f":"(B64-B65)*C63*(10/12)","v":2.3010102860913759E-3},-2.3010102860913759E-3]
["Month 63",{"$f":"'Retention Curves'!G65","v":9.5750149744196877E-2},null,{"$f":"(B65-B66)*C63*(9/12)","v":1.9880728871829456E-3},-1.9880728871829456E-3]
["Month 64",{"$f":"'Retention Curves'!G66","v":9.1920143754429001E-2},null,{"$f":"(B66-B67)*C63*(8/12)","v":1.6964888637294479E-3},-1.6964888637294479E-3]
["Month 65",{"$f":"'Retention Curves'!G67","v":8.8243338004251839E-2},null,{"$f":"(B67-B68)*C63*(7/12)","v":1.4250506455327366E-3},{"$f":"C68-D68","v":-1.4250506455327366E-3}]
["Month 66",{"$f":"'Retention Curves'!G68","v":8.4713604484081759E-2},null,{"$f":"(B68-B69)*C63*(6/12)","v":1.1726131026097966E-3},-1.1726131026097966E-3]
["Month 67",{"$f":"'Retention Curves'!G69","v":8.1325060304718491E-2},null,{"$f":"(B69-B70)*C63*(5/12)","v":9.3809048208783454E-4},-9.3809048208783454E-4]
["Month 68",{"$f":"'Retention Curves'!G70","v":7.8072057892529759E-2},null,{"$f":"(B70-B71)*C63*(4/12)","v":7.2045349024345588E-4},-7.2045349024345588E-4]
["Month 69",{"$f":"'Retention Curves'!G71","v":7.494917557682855E-2},null,{"$f":"(B71-B72)*C63*(3/12)","v":5.1872651297529251E-4},-5.1872651297529251E-4]
["Month 70",{"$f":"'Retention Curves'!G72","v":7.1951208553755405E-2},null,{"$f":"(B72-B73)*C63*(2/12)","v":3.3198496830418543E-4},-3.3198496830418543E-4]
["Month 71",{"$f":"'Retention Curves'!G73","v":6.9073160211605186E-2},null,{"$f":"(B73-B74)*C63*(1/12)","v":1.5935278478600902E-4},-1.5935278478600902E-4]
["Month 72",{"$f":"'Retention Curves'!G74","v":6.9073160211605186E-2},{"$f":"B75*$K$4","v":0.41443896126963109},null,0.41443896126963109]
["Month 73",{"$f":"'Retention Curves'!G75","v":6.7691697007373083E-2},null,{"$f":"(B75-B76)*C75*(11/12)","v":5.2482116077798822E-4},-5.2482116077798822E-4]
["Month 74",{"$f":"'Retention Curves'!G76","v":6.6337863067225625E-2},null,{"$f":"(B76-B77)*C75*(10/12)","v":4.6756794323857053E-4},-4.6756794323857053E-4]
["Month 75",{"$f":"'Retention Curves'!G77","v":6.5011105805881098E-2},null,{"$f":"(B77-B78)*C75*(9/12)","v":4.1239492593642471E-4},-4.1239492593642471E-4]
["Month 76",{"$f":"'Retention Curves'!G78","v":6.3710883689763478E-2},null,{"$f":"(B78-B79)*C75*(8/12)","v":3.5924180214905849E-4},-3.5924180214905849E-4]
["Month 77",{"$f":"'Retention Curves'!G79","v":6.2436666015968201E-2},null,{"$f":"(B79-B80)*C75*(7/12)","v":3.0804984534282028E-4},-3.0804984534282028E-4]
["Month 78",{"$f":"'Retention Curves'!G80","v":6.1187932695648845E-2},null,{"$f":"(B80-B81)*C75*(6/12)","v":2.5876187008796575E-4},-2.5876187008796575E-4]
["Month 79",{"$f":"'Retention Curves'!G81","v":5.9964174041735867E-2},null,{"$f":"(B81-B82)*C75*(5/12)","v":2.113221939051735E-4},-2.113221939051735E-4]
["Month 80",{"$f":"'Retention Curves'!G82","v":5.8764890560901152E-2},null,{"$f":"(B82-B83)*C75*(4/12)","v":1.6567660002165556E-4},-1.6567660002165556E-4]
["Month 81",{"$f":"'Retention Curves'!G83","v":5.7589592749683123E-2},null,{"$f":"(B83-B84)*C75*(3/12)","v":1.2177230101591773E-4},-1.2177230101591773E-4]
["Month 82",{"$f":"'Retention Curves'!G84","v":5.6437800894689465E-2},null,{"$f":"(B84-B85)*C75*(2/12)","v":7.9557903330398883E-5},-7.9557903330398883E-5]
["Month 83",{"$f":"'Retention Curves'!G85","v":5.5309044876795679E-2},null,{"$f":"(B85-B86)*C75*(1/12)","v":3.8983372631895456E-5},-3.8983372631895456E-5]
["Month 84",{"$f":"'Retention Curves'!G86","v":5.4202863979259761E-2},{"$f":"B87*$K$4","v":0.32521718387555854},null,0.32521718387555854]
["Month 85",{"$f":"'Retention Curves'!G87","v":5.3118806699674566E-2},null,{"$f":"(B87-B88)*C87*(11/12)","v":3.2317455099095465E-4},-3.2317455099095465E-4]
["Month 86",{"$f":"'Retention Curves'!G88","v":5.2056430565681072E-2},null,{"$f":"(B88-B89)*C87*(10/12)","v":2.8791914542830588E-4},-2.8791914542830588E-4]
["Month 87",{"$f":"'Retention Curves'!G89","v":5.1015301954367459E-2},null,{"$f":"(B89-B90)*C87*(9/12)","v":2.5394468626776319E-4},-2.5394468626776319E-4]
["Month 88",{"$f":"'Retention Curves'!G90","v":4.9994995915280102E-2},null,{"$f":"(B90-B91)*C87*(8/12)","v":2.2121403781547719E-4},-2.2121403781547719E-4]
["Month 89",{"$f":"'Retention Curves'!G91","v":4.8995095996974505E-2},null,{"$f":"(B91-B92)*C87*(7/12)","v":1.8969103742676923E-4},-1.8969103742676923E-4]
["Month 90",{"$f":"'Retention Curves'!G92","v":4.8015194077035014E-2},null,{"$f":"(B92-B93)*C87*(6/12)","v":1.5934047143848713E-4},-1.5934047143848713E-4]
["Month 91",{"$f":"'Retention Curves'!G93","v":4.705489019549431E-2},null,{"$f":"(B93-B94)*C87*(5/12)","v":1.3012805167476492E-4},-1.3012805167476492E-4]
["Month 92",{"$f":"'Retention Curves'!G94","v":4.6113792391584425E-2},null,{"$f":"(B94-B95)*C87*(4/12)","v":1.0202039251301512E-4},-1.0202039251301512E-4]
["Month 93",{"$f":"'Retention Curves'!G95","v":4.5191516543752731E-2},null,{"$f":"(B95-B96)*C87*(3/12)","v":7.4984988497066657E-5},-7.4984988497066657E-5]
["Month 94",{"$f":"'Retention Curves'!G96","v":4.4287686212877674E-2},null,{"$f":"(B96-B97)*C87*(2/12)","v":4.89901924847501E-5},-4.89901924847501E-5]
["Month 95",{"$f":"'Retention Curves'!G97","v":4.3401932488620121E-2},null,{"$f":"(B97-B98)*C87*(1/12)","v":2.4005194317527443E-5},-2.4005194317527443E-5]
["Month 96",{"$f":"'Retention Curves'!G98","v":4.2533893838847717E-2},{"$f":"B99*$K$4","v":0.25520336303308633},null,0.25520336303308633]
["Month 97",{"$f":"'Retention Curves'!G99","v":4.1683215962070766E-2},null,{"$f":"(B99-B100)*C99*(11/12)","v":1.9900453376037964E-4},-1.9900453376037964E-4]
["Month 98",{"$f":"'Retention Curves'!G100","v":4.0849551642829343E-2},null,{"$f":"(B100-B101)*C99*(10/12)","v":1.7729494825924967E-4},-1.7729494825924967E-4]
["Month 99",{"$f":"'Retention Curves'!G101","v":4.0032560609972755E-2},null,{"$f":"(B101-B102)*C99*(9/12)","v":1.5637414436465709E-4},-1.5637414436465709E-4]
["Month 100",{"$f":"'Retention Curves'!G102","v":3.9231909397773303E-2},null,{"$f":"(B102-B103)*C99*(8/12)","v":1.362192546465449E-4},-1.362192546465449E-4]
["Month 101",{"$f":"'Retention Curves'!G103","v":3.8447271209817835E-2},null,{"$f":"(B103-B104)*C99*(7/12)","v":1.1680801085941302E-4},-1.1680801085941302E-4]
["Month 102",{"$f":"'Retention Curves'!G104","v":3.7678325785621476E-2},null,{"$f":"(B104-B105)*C99*(6/12)","v":9.8118729121906932E-5},-9.8118729121906932E-5]
["Month 103",{"$f":"'Retention Curves'!G105","v":3.6924759269909048E-2},null,{"$f":"(B105-B106)*C99*(5/12)","v":8.0130295449556998E-5},-8.0130295449556998E-5]
["Month 104",{"$f":"'Retention Curves'!G106","v":3.6186264084510866E-2},null,{"$f":"(B106-B107)*C99*(4/12)","v":6.2822151632452853E-5},-6.2822151632452853E-5]
["Month 105",{"$f":"'Retention Curves'!G107","v":3.5462538802820652E-2},null,{"$f":"(B107-B108)*C99*(3/12)","v":4.6174281449852602E-5},-4.6174281449852602E-5]
["Month 106",{"$f":"'Retention Curves'!G108","v":3.4753288026764237E-2},null,{"$f":"(B108-B109)*C99*(2/12)","v":3.0167197213903917E-5},-3.0167197213903917E-5]
["Month 107",{"$f":"'Retention Curves'!G109","v":3.4058222266228955E-2},null,{"$f":"(B109-B110)*C99*(1/12)","v":1.4781926634812823E-5},-1.4781926634812823E-5]
["Month 108",{"$f":"'Retention Curves'!G110","v":3.3377057820904374E-2},{"$f":"B111*$K$4","v":0.20026234692542624},null,0.20026234692542624]
["Month 109",{"$f":"'Retention Curves'!G111","v":3.2709516664486293E-2},null,{"$f":"(B111-B112)*C111*(11/12)","v":1.2254307876579805E-4},-1.2254307876579805E-4]
["Month 110",{"$f":"'Retention Curves'!G112","v":3.2055326331196565E-2},null,{"$f":"(B112-B113)*C111*(10/12)","v":1.091747429004398E-4},-1.091747429004398E-4]
["Month 111",{"$f":"'Retention Curves'!G113","v":3.1414219804572638E-2},null,{"$f":"(B113-B114)*C111*(9/12)","v":9.6292123238186982E-5},-9.6292123238186982E-5]
["Month 112",{"$f":"'Retention Curves'!G114","v":3.0785935408481183E-2},null,{"$f":"(B114-B115)*C111*(8/12)","v":8.3881138465265856E-5},-8.3881138465265856E-5]
["Month 113",{"$f":"'Retention Curves'!G115","v":3.0170216700311558E-2},null,{"$f":"(B115-B116)*C111*(7/12)","v":7.1928076233965409E-5},-7.1928076233965409E-5]
["Month 114",{"$f":"'Retention Curves'!G116","v":2.9566812366305328E-2},null,{"$f":"(B116-B117)*C111*(6/12)","v":6.0419584036530779E-5},-6.0419584036530779E-5]
["Month 115",{"$f":"'Retention Curves'!G117","v":2.8975476118979219E-2},null,{"$f":"(B117-B118)*C111*(5/12)","v":4.9342660296500368E-5},-4.9342660296500368E-5]
["Month 116",{"$f":"'Retention Curves'!G118","v":2.8395966596599636E-2},null,{"$f":"(B118-B119)*C111*(4/12)","v":3.868464567245603E-5},-3.868464567245603E-5]
["Month 117",{"$f":"'Retention Curves'!G119","v":2.782804726466764E-2},null,{"$f":"(B119-B120)*C111*(3/12)","v":2.8433214569255413E-5},-2.8433214569255413E-5]
["Month 118",{"$f":"'Retention Curves'!G120","v":2.7271486319374288E-2},null,{"$f":"(B120-B121)*C111*(2/12)","v":1.8576366851913393E-5},-1.8576366851913393E-5]
["Month 119",{"$f":"'Retention Curves'!G121","v":2.67260565929868E-2},null,{"$f":"(B121-B122)*C111*(1/12)","v":9.1024197574376254E-6},-9.1024197574376254E-6]
["Month 120",{"$f":"'Retention Curves'!G122","v":2.6191535461127062E-2},{"$f":"B123*$K$4","v":0.15714921276676236},null,0.15714921276676236]

{"sheet":"6PRO","index":11,"n_rows":123,"n_cols":12,"rows_kept":123,"cut":false,"hidden":false,"merged":[]}
[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"B3*J4","v":123.92},null,{"$f":"C3-D3","v":123.92},"Year 0",{"$f":"E3","v":123.92},null,null,"New Commission","Renewal Commission"]
["Month 1",{"$f":"'Retention Curves'!G3","v":0.93034213246387687},null,{"$f":"(B3-B4)*C3*(5/6)","v":7.1933357875636483},{"$f":"C4-D4","v":-7.1933357875636483},"Year 1",{"$f":"SUM(E4:E15)","v":100.25443544186911},null,null,123.92,123.92,253.74999999999997]
["Month 2",{"$f":"'Retention Curves'!G4","v":0.88772367847019051},null,{"$f":"(B4-B5)*C3*(4/6)","v":3.5208525459317421},-3.5208525459317421,"Year 2",{"$f":"SUM(E16:E27)","v":70.19363776569196}]
["Month 3",{"$f":"'Retention Curves'!G5","v":0.78412391316543728},null,{"$f":"(B5-B6)*C3*(3/6)","v":6.4190414582825106},-6.4190414582825106,"Year 3",{"$f":"SUM(E28:E39)","v":49.584163410214941}]
["Month 4",{"$f":"'Retention Curves'!G6","v":0.71144921927295679},null,{"$f":"(B6-B7)*C3*(2/6)","v":3.0019493557187276},-3.0019493557187276,"Year 4",{"$f":"SUM(E40:E51)","v":37.455283011412583}]
["Month 5",{"$f":"'Retention Curves'!G7","v":0.66163191257687815},null,{"$f":"(B7-B8)*C3*(1/6)","v":1.0288934409630108},-1.0288934409630108,"Year 5",{"$f":"SUM(E52:E63)","v":28.985658495341237}]
["Month 6",{"$f":"'Retention Curves'!G8","v":0.62148874520685016},{"$f":"B9*$K$4","v":77.014885306032866},null,77.014885306032866,"Year 6",{"$f":"SUM(E64:E75)","v":18.803377092992413}]
["Month 7",{"$f":"'Retention Curves'!G9","v":0.52985371491074174},null,{"$f":"(B9-B10)*C9*(5/6)","v":5.8810511235580307},-5.8810511235580307,"Year 7",{"$f":"SUM(E76:E87)","v":14.247854164150315}]
["Month 8",{"$f":"'Retention Curves'!G10","v":0.50813346746716903},null,{"$f":"(B10-B11)*C9*(4/6)","v":1.1151882437902703},-1.1151882437902703,"Year 8",{"$f":"SUM(E88:E99)","v":11.189208269748256}]
["Month 9",{"$f":"'Retention Curves'!G11","v":0.48687537907878009},null,{"$f":"(B11-B12)*C9*(3/6)","v":0.81859461952864165},-0.81859461952864165,"Year 9",{"$f":"SUM(E100:E111)","v":8.785703107361007}]
["Month 10",{"$f":"'Retention Curves'!G12","v":0.4683422115510823},null,{"$f":"(B12-B13)*C9*(2/6)","v":0.47577659050104604},-0.47577659050104604,"Year 10",{"$f":"SUM(E112:E123)","v":6.897579043864269}]
["Month 11",{"$f":"'Retention Curves'!G13","v":0.44654099394289481},null,{"$f":"(B13-B14)*C9*(1/6)","v":0.27983637893773716},-0.27983637893773716,"Discount Rate",0]
["Month 12",{"$f":"'Retention Curves'!G14","v":0.42748603680286967},{"$f":"B15*$K$4","v":52.974069680611613},null,52.974069680611613,"NPV",{"$f":"NPV(G14,G4:G13)+G3","v":470.31689980264611}]
["Month 13",{"$f":"'Retention Curves'!G15","v":0.38637294298393821},null,{"$f":"(B15-B16)*C15*(5/6)","v":1.8149399139579985},-1.8149399139579985]
["Month 14",{"$f":"'Retention Curves'!G16","v":0.37377894712967646},null,{"$f":"(B16-B17)*C15*(4/6)","v":0.44477014262733017},-0.44477014262733017]
["Month 15",{"$f":"'Retention Curves'!G17","v":0.36218393999873516},null,{"$f":"(B17-B18)*C15*(3/6)","v":0.3071173578508366},-0.3071173578508366]
["Month 16",{"$f":"'Retention Curves'!G18","v":0.35180919924685222},null,{"$f":"(B18-B19)*C15*(2/6)","v":0.18319741316950922},-0.18319741316950922]
["Month 17",{"$f":"'Retention Curves'!G19","v":0.34157310248516642},null,{"$f":"(B19-B20)*C15*(1/6)","v":9.0374617185171049E-2},-9.0374617185171049E-2]
["Month 18",{"$f":"'Retention Curves'!G20","v":0.33125595814125725},{"$f":"B21*$K$4","v":41.049238332864597},null,41.049238332864597]
["Month 19",{"$f":"'Retention Curves'!G21","v":0.30473701283004451},null,{"$f":"(B21-B22)*C21*(5/6)","v":0.90715208868014485},-0.90715208868014485]
["Month 20",{"$f":"'Retention Curves'!G22","v":0.29683024789829204},null,{"$f":"(B22-B23)*C21*(4/6)","v":0.21637778541696184},-0.21637778541696184]
["Month 21",{"$f":"'Retention Curves'!G23","v":0.29026287132005252},null,{"$f":"(B23-B24)*C21*(3/6)","v":0.13479290319091353},-0.13479290319091353]
["Month 22",{"$f":"'Retention Curves'!G24","v":0.28335129259791386},null,{"$f":"(B24-B25)*C21*(2/6)","v":9.4571680740475131E-2},-9.4571680740475131E-2]
["Month 23",{"$f":"'Retention Curves'!G25","v":0.27645597322925275},null,{"$f":"(B25-B26)*C21*(1/6)","v":4.7174601357564572E-2},-4.7174601357564572E-2]
["Month 24",{"$f":"'Retention Curves'!G26","v":0.26940661666401106},{"$f":"B27*$K$4","v":33.384867937004252},null,33.384867937004252]
["Month 25",{"$f":"'Retention Curves'!G27","v":0.25069826657384647},null,{"$f":"(B27-B28)*C27*(5/6)","v":0.52047983089948846},-0.52047983089948846]
["Month 26",{"$f":"'Retention Curves'!G28","v":0.24388996006367383},null,{"$f":"(B28-B29)*C27*(4/6)","v":0.15152960914450658},-0.15152960914450658]
["Month 27",{"$f":"'Retention Curves'!G29","v":0.2375495189089715},null,{"$f":"(B29-B30)*C27*(3/6)","v":0.10583739530604212},-0.10583739530604212]
["Month 28",{"$f":"'Retention Curves'!G30","v":0.2329586128065736},null,{"$f":"(B30-B31)*C27*(2/6)","v":5.1088931313246946E-2},-5.1088931313246946E-2]
["Month 29",{"$f":"'Retention Curves'!G31","v":0.22721604485586563},null,{"$f":"(B31-B32)*C27*(1/6)","v":3.1952478775609736E-2},-3.1952478775609736E-2]
["Month 30",{"$f":"'Retention Curves'!G32","v":0.22186096468540206},{"$f":"B33*$K$4","v":27.493010743815024},null,27.493010743815024]
["Month 31",{"$f":"'Retention Curves'!G33","v":0.20885610651155848},null,{"$f":"(B33-B34)*C33*(5/6)","v":0.29795225457939362},-0.29795225457939362]
["Month 32",{"$f":"'Retention Curves'!G34","v":0.20483671136772452},null,{"$f":"(B34-B35)*C33*(4/6)","v":7.3670182582043206E-2},-7.3670182582043206E-2]
["Month 33",{"$f":"'Retention Curves'!G35","v":0.20046218843986405},null,{"$f":"(B35-B36)*C33*(3/6)","v":6.013440292736659E-2},-6.013440292736659E-2]
["Month 34",{"$f":"'Retention Curves'!G36","v":0.19714812558306705},null,{"$f":"(B36-B37)*C33*(2/6)","v":3.0371188575866084E-2},-3.0371188575866084E-2]
["Month 35",{"$f":"'Retention Curves'!G37","v":0.19304479094597193},null,{"$f":"(B37-B38)*C33*(1/6)","v":1.8802170543854042E-2},-1.8802170543854042E-2]
["Month 36",{"$f":"'Retention Curves'!G38","v":0.18909757190967824},{"$f":"B39*$K$4","v":23.43297111104733},null,23.43297111104733]
["Month 37",{"$f":"'Retention Curves'!G39","v":0.17703051196274044},null,{"$f":"(B39-B40)*C39*(5/6)","v":0.23563922260989145},-0.23563922260989145]
["Month 38",{"$f":"'Retention Curves'!G40","v":0.17406962873578832},null,{"$f":"(B40-B41)*C39*(4/6)","v":4.6254860746902438E-2},-4.6254860746902438E-2]
["Month 39",{"$f":"'Retention Curves'!G41","v":0.17134053611064951},null,{"$f":"(B41-B42)*C39*(3/6)","v":3.1975374322125119E-2},-3.1975374322125119E-2]
["Month 40",{"$f":"'Retention Curves'!G42","v":0.16889393526211616},null,{"$f":"(B42-B43)*C39*(2/6)","v":1.9110375667981939E-2},-1.9110375667981939E-2]
["Month 41",{"$f":"'Retention Curves'!G43","v":0.16668542218514057},null,{"$f":"(B43-B44)*C39*(1/6)","v":8.6253371885231991E-3},-8.6253371885231991E-3]
["Month 42",{"$f":"'Retention Curves'!G44","v":0.16371273513526069},{"$f":"B45*$K$4","v":20.287282137961505},null,20.287282137961505]
["Month 43",{"$f":"'Retention Curves'!G45","v":0.15574311046228728},null,{"$f":"(B45-B46)*C45*(5/6)","v":0.13473502022855893},-0.13473502022855893]
["Month 44",{"$f":"'Retention Curves'!G46","v":0.1528979947603282},null,{"$f":"(B46-B47)*C45*(4/6)","v":3.8479776640525543E-2},-3.8479776640525543E-2]
["Month 45",{"$f":"'Retention Curves'!G47","v":0.15062464095890124},null,{"$f":"(B47-B48)*C45*(3/6)","v":2.3060084984478008E-2},-2.3060084984478008E-2]
["Month 46",{"$f":"'Retention Curves'!G48","v":0.14829471491968946},null,{"$f":"(B48-B49)*C45*(2/6)","v":1.5755955639357531E-2},-1.5755955639357531E-2]
["Month 47",{"$f":"'Retention Curves'!G49","v":0.14552675815349048},null,{"$f":"(B49-B50)*C45*(1/6)","v":9.3590533102597129E-3},-9.3590533102597129E-3]
["Month 48",{"$f":"'Retention Curves'!G50","v":0.14308421509675337},{"$f":"B51*$K$4","v":17.730995934789679},null,17.730995934789679]
["Month 49",{"$f":"'Retention Curves'!G51","v":0.13626198406172399},null,{"$f":"(B51-B52)*C51*(5/6)","v":0.10080412562358494},-0.10080412562358494]
["Month 50",{"$f":"'Retention Curves'!G52","v":0.13339861111457399},null,{"$f":"(B52-B53)*C51*(4/6)","v":3.3846969390468926E-2},-3.3846969390468926E-2]
["Month 51",{"$f":"'Retention Curves'!G53","v":0.13122349096341504},null,{"$f":"(B53-B54)*C51*(3/6)","v":1.9283523278939219E-2},-1.9283523278939219E-2]
["Month 52",{"$f":"'Retention Curves'!G54","v":0.12896954962473464},null,{"$f":"(B54-B55)*C51*(2/6)","v":1.3321541571132184E-2},-1.3321541571132184E-2]
["Month 53",{"$f":"'Retention Curves'!G55","v":0.12743317774852872},null,{"$f":"(B55-B56)*C51*(1/6)","v":4.5402339152220651E-3},-4.5402339152220651E-3]
["Month 54",{"$f":"'Retention Curves'!G56","v":0.12555178361161964},{"$f":"B57*$K$4","v":15.558377025151907},null,15.558377025151907]
["Month 55",{"$f":"'Retention Curves'!G57","v":0.12002398712265737},null,{"$f":"(B57-B58)*C57*(5/6)","v":7.1669618244655037E-2},-7.1669618244655037E-2]
["Month 56",{"$f":"'Retention Curves'!G58","v":0.11781740772135267},null,{"$f":"(B58-B59)*C57*(4/6)","v":2.2887196174288308E-2},-2.2887196174288308E-2]
["Month 57",{"$f":"'Retention Curves'!G59","v":0.11562783064384123},null,{"$f":"(B59-B60)*C57*(3/6)","v":1.7033132848776621E-2},-1.7033132848776621E-2]
["Month 58",{"$f":"'Retention Curves'!G60","v":0.11428850945919906},null,{"$f":"(B60-B61)*C57*(2/6)","v":6.9458879828119763E-3},-6.9458879828119763E-3]
["Month 59",{"$f":"'Retention Curves'!G61","v":0.11240737708115021},null,{"$f":"(B61-B62)*C57*(1/6)","v":4.8778944619840992E-3},-4.8778944619840992E-3]
["Month 60",{"$f":"'Retention Curves'!G62","v":0.11073669781860228},{"$f":"B63*$K$4","v":13.722491593681195},null,13.722491593681195]
["Month 61",{"$f":"'Retention Curves'!G63","v":0.10389556178840807},null,{"$f":"(B63-B64)*C63*(5/6)","v":7.8231193054641282E-2},-7.8231193054641282E-2]
["Month 62",{"$f":"'Retention Curves'!G64","v":9.9739739316871745E-2},null,{"$f":"(B64-B65)*C63*(4/6)","v":3.8018825953659102E-2},-3.8018825953659102E-2]
["Month 63",{"$f":"'Retention Curves'!G65","v":9.5750149744196877E-2},null,{"$f":"(B65-B66)*C63*(3/6)","v":2.7373554686634511E-2},-2.7373554686634511E-2]
["Month 64",{"$f":"'Retention Curves'!G66","v":9.1920143754429001E-2},null,{"$f":"(B66-B67)*C63*(2/6)","v":1.7519074999446101E-2},-1.7519074999446101E-2]
["Month 65",{"$f":"'Retention Curves'!G67","v":8.8243338004251839E-2},null,{"$f":"(B67-B68)*C63*(1/6)","v":8.4091559997341303E-3},{"$f":"C68-D68","v":-8.4091559997341303E-3}]
["Month 66",{"$f":"'Retention Curves'!G68","v":8.4713604484081759E-2},{"$f":"B69*$K$4","v":10.497709867667412},null,10.497709867667412]
["Month 67",{"$f":"'Retention Curves'!G69","v":8.1325060304718491E-2},null,{"$f":"(B69-B70)*C69*(5/6)","v":2.9643294723940627E-2},-2.9643294723940627E-2]
["Month 68",{"$f":"'Retention Curves'!G70","v":7.8072057892529759E-2},null,{"$f":"(B70-B71)*C69*(4/6)","v":2.2766050347986365E-2},-2.2766050347986365E-2]
["Month 69",{"$f":"'Retention Curves'!G71","v":7.494917557682855E-2},null,{"$f":"(B71-B72)*C69*(3/6)","v":1.6391556250550318E-2},-1.6391556250550318E-2]
["Month 70",{"$f":"'Retention Curves'!G72","v":7.1951208553755405E-2},null,{"$f":"(B72-B73)*C69*(2/6)","v":1.0490596000352148E-2},-1.0490596000352148E-2]
["Month 71",{"$f":"'Retention Curves'!G73","v":6.9073160211605186E-2},null,{"$f":"(B73-B74)*C69*(1/6)","v":5.0354860801690316E-3},-5.0354860801690316E-3]
["Month 72",{"$f":"'Retention Curves'!G74","v":6.9073160211605186E-2},{"$f":"B75*$K$4","v":8.5595460134221142},null,8.5595460134221142]
["Month 73",{"$f":"'Retention Curves'!G75","v":6.7691697007373083E-2},null,{"$f":"(B75-B76)*C75*(5/6)","v":9.8539148853951982E-3},-9.8539148853951982E-3]
["Month 74",{"$f":"'Retention Curves'!G76","v":6.6337863067225625E-2},null,{"$f":"(B76-B77)*C75*(4/6)","v":7.7254692701498213E-3},-7.7254692701498213E-3]
["Month 75",{"$f":"'Retention Curves'!G77","v":6.5011105805881098E-2},null,{"$f":"(B77-B78)*C75*(3/6)","v":5.6782199135601953E-3},-5.6782199135601953E-3]
["Month 76",{"$f":"'Retention Curves'!G78","v":6.3710883689763478E-2},null,{"$f":"(B78-B79)*C75*(2/6)","v":3.7097703435259441E-3},-3.7097703435259441E-3]
["Month 77",{"$f":"'Retention Curves'!G79","v":6.2436666015968201E-2},null,{"$f":"(B79-B80)*C75*(1/6)","v":1.8177874683277279E-3},-1.8177874683277279E-3]
["Month 78",{"$f":"'Retention Curves'!G80","v":6.1187932695648845E-2},{"$f":"B81*$K$4","v":7.5824086196448048},null,7.5824086196448048]
["Month 79",{"$f":"'Retention Curves'!G81","v":5.9964174041735867E-2},null,{"$f":"(B81-B82)*C81*(5/6)","v":7.7325318048289049E-3},-7.7325318048289049E-3]
["Month 80",{"$f":"'Retention Curves'!G82","v":5.8764890560901152E-2},null,{"$f":"(B82-B83)*C81*(4/6)","v":6.0623049349858441E-3},-6.0623049349858441E-3]
["Month 81",{"$f":"'Retention Curves'!G83","v":5.7589592749683123E-2},null,{"$f":"(B83-B84)*C81*(3/6)","v":4.4557941272146276E-3},-4.4557941272146276E-3]
["Month 82",{"$f":"'Retention Curves'!G84","v":5.6437800894689465E-2},null,{"$f":"(B84-B85)*C81*(2/6)","v":2.9111188297801984E-3},-2.9111188297801984E-3]
["Month 83",{"$f":"'Retention Curves'!G85","v":5.5309044876795679E-2},null,{"$f":"(B85-B86)*C81*(1/6)","v":1.4264482265922973E-3},-1.4264482265922973E-3]
["Month 84",{"$f":"'Retention Curves'!G86","v":5.4202863979259761E-2},{"$f":"B87*$K$4","v":6.7168189043098696},null,6.7168189043098696]
["Month 85",{"$f":"'Retention Curves'!G87","v":5.3118806699674566E-2},null,{"$f":"(B87-B88)*C87*(5/6)","v":6.067847024060471E-3},-6.067847024060471E-3]
["Month 86",{"$f":"'Retention Curves'!G88","v":5.2056430565681072E-2},null,{"$f":"(B88-B89)*C87*(4/6)","v":4.7571920668634214E-3},-4.7571920668634214E-3]
["Month 87",{"$f":"'Retention Curves'!G89","v":5.1015301954367459E-2},null,{"$f":"(B89-B90)*C87*(3/6)","v":3.4965361691445796E-3},-3.4965361691445796E-3]
["Month 88",{"$f":"'Retention Curves'!G90","v":4.9994995915280102E-2},null,{"$f":"(B90-B91)*C87*(2/6)","v":2.2844036305078278E-3},-2.2844036305078278E-3]
["Month 89",{"$f":"'Retention Curves'!G91","v":4.8995095996974505E-2},null,{"$f":"(B91-B92)*C87*(1/6)","v":1.1193577789488209E-3},-1.1193577789488209E-3]
["Month 90",{"$f":"'Retention Curves'!G92","v":4.8015194077035014E-2},{"$f":"B93*$K$4","v":5.9500428500261791},null,5.9500428500261791]
["Month 91",{"$f":"'Retention Curves'!G93","v":4.705489019549431E-2},null,{"$f":"(B93-B94)*C93*(5/6)","v":4.7615410368447115E-3},-4.7615410368447115E-3]
["Month 92",{"$f":"'Retention Curves'!G94","v":4.6113792391584425E-2},null,{"$f":"(B94-B95)*C93*(4/6)","v":3.7330481728862332E-3},-3.7330481728862332E-3]
["Month 93",{"$f":"'Retention Curves'!G95","v":4.5191516543752731E-2},null,{"$f":"(B95-B96)*C93*(3/6)","v":2.7437904070714012E-3},-2.7437904070714012E-3]
["Month 94",{"$f":"'Retention Curves'!G96","v":4.4287686212877674E-2},null,{"$f":"(B96-B97)*C93*(2/6)","v":1.7926097326199776E-3},-1.7926097326199776E-3]
["Month 95",{"$f":"'Retention Curves'!G97","v":4.3401932488620121E-2},null,{"$f":"(B97-B98)*C93*(1/6)","v":8.7837876898378526E-4},-8.7837876898378526E-4]
["Month 96",{"$f":"'Retention Curves'!G98","v":4.2533893838847717E-2},{"$f":"B99*$K$4","v":5.2708001245100089},null,5.2708001245100089]
["Month 97",{"$f":"'Retention Curves'!G99","v":4.1683215962070766E-2},null,{"$f":"(B99-B100)*C99*(5/6)","v":3.7364608823615519E-3},-3.7364608823615519E-3]
["Month 98",{"$f":"'Retention Curves'!G100","v":4.0849551642829343E-2},null,{"$f":"(B100-B101)*C99*(4/6)","v":2.9293853317714953E-3},-2.9293853317714953E-3]
["Month 99",{"$f":"'Retention Curves'!G101","v":4.0032560609972755E-2},null,{"$f":"(B101-B102)*C99*(3/6)","v":2.1530982188520337E-3},-2.1530982188520337E-3]
["Month 100",{"$f":"'Retention Curves'!G102","v":3.9231909397773303E-2},null,{"$f":"(B102-B103)*C99*(2/6)","v":1.4066908363166535E-3},-1.4066908363166535E-3]
["Month 101",{"$f":"'Retention Curves'!G103","v":3.8447271209817835E-2},null,{"$f":"(B103-B104)*C99*(1/6)","v":6.8927850979516462E-4},-6.8927850979516462E-4]
["Month 102",{"$f":"'Retention Curves'!G104","v":3.7678325785621476E-2},{"$f":"B105*$K$4","v":4.6690981313542137},null,4.6690981313542137]
["Month 103",{"$f":"'Retention Curves'!G105","v":3.6924759269909048E-2},null,{"$f":"(B105-B106)*C105*(5/6)","v":2.9320633419700039E-3},-2.9320633419700039E-3]
["Month 104",{"$f":"'Retention Curves'!G106","v":3.6186264084510866E-2},null,{"$f":"(B106-B107)*C105*(4/6)","v":2.2987376601044888E-3},-2.2987376601044888E-3]
["Month 105",{"$f":"'Retention Curves'!G107","v":3.5462538802820652E-2},null,{"$f":"(B107-B108)*C105*(3/6)","v":1.6895721801767907E-3},-1.6895721801767907E-3]
["Month 106",{"$f":"'Retention Curves'!G108","v":3.4753288026764237E-2},null,{"$f":"(B108-B109)*C105*(2/6)","v":1.1038538243821779E-3},-1.1038538243821779E-3]
["Month 107",{"$f":"'Retention Curves'!G109","v":3.4058222266228955E-2},null,{"$f":"(B109-B110)*C105*(1/6)","v":5.4088837394726356E-4},-5.4088837394726356E-4]
["Month 108",{"$f":"'Retention Curves'!G110","v":3.3377057820904374E-2},{"$f":"B111*$K$4","v":4.1360850051664704},null,4.1360850051664704]
["Month 109",{"$f":"'Retention Curves'!G111","v":3.2709516664486293E-2},null,{"$f":"(B111-B112)*C111*(5/6)","v":2.3008391394935901E-3},-2.3008391394935901E-3]
["Month 110",{"$f":"'Retention Curves'!G112","v":3.2055326331196565E-2},null,{"$f":"(B112-B113)*C111*(4/6)","v":1.803857885363E-3},-1.803857885363E-3]
["Month 111",{"$f":"'Retention Curves'!G113","v":3.1414219804572638E-2},null,{"$f":"(B113-B114)*C111*(3/6)","v":1.3258355457417923E-3},-1.3258355457417923E-3]
["Month 112",{"$f":"'Retention Curves'!G114","v":3.0785935408481183E-2},null,{"$f":"(B114-B115)*C111*(2/6)","v":8.6621255655131208E-4},-8.6621255655131208E-4]
["Month 113",{"$f":"'Retention Curves'!G115","v":3.0170216700311558E-2},null,{"$f":"(B115-B116)*C111*(1/6)","v":4.244441527101425E-4},-4.244441527101425E-4]
["Month 114",{"$f":"'Retention Curves'!G116","v":2.9566812366305328E-2},{"$f":"B117*$K$4","v":3.6639193884325563},null,3.6639193884325563]
["Month 115",{"$f":"'Retention Curves'!G117","v":2.8975476118979219E-2},null,{"$f":"(B117-B118)*C117*(5/6)","v":1.805506951384233E-3},-1.805506951384233E-3]
["Month 116",{"$f":"'Retention Curves'!G118","v":2.8395966596599636E-2},null,{"$f":"(B118-B119)*C117*(4/6)","v":1.4155174498852296E-3},-1.4155174498852296E-3]
["Month 117",{"$f":"'Retention Curves'!G119","v":2.782804726466764E-2},null,{"$f":"(B119-B120)*C117*(3/6)","v":1.0404053256656521E-3},-1.0404053256656521E-3]
["Month 118",{"$f":"'Retention Curves'!G120","v":2.7271486319374288E-2},null,{"$f":"(B120-B121)*C117*(2/6)","v":6.7973147943488745E-4},-6.7973147943488745E-4]
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["Month 120",{"$f":"'Retention Curves'!G122","v":2.6191535461127062E-2},{"$f":"B123*$K$4","v":3.2456550743428654},null,3.2456550743428654]

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[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"B3*J4","v":28.6},null,{"$f":"C3-D3","v":28.6},"Year 0",{"$f":"E3","v":28.6},null,null,"New Commission","Renewal Commission"]
["Month 1",{"$f":"'Retention Curves'!H3","v":0.97626510219936247},null,{"$f":"(B3-B4)*C3*(11/12)","v":0.62224990400671398},{"$f":"C4-D4","v":-0.62224990400671398},"Year 1",{"$f":"SUM(E4:E15)","v":11.176524580090053},null,null,28.6,28.6,253.74999999999997]
["Month 2",{"$f":"'Retention Curves'!H4","v":0.93433648806938374},null,{"$f":"(B4-B5)*C3*(10/12)","v":0.99929863676449293},-0.99929863676449293,"Year 2",{"$f":"SUM(E16:E27)","v":10.102849269904311}]
["Month 3",{"$f":"'Retention Curves'!H5","v":0.88154806201156077},null,{"$f":"(B5-B6)*C3*(9/12)","v":1.1323117389403028},-1.1323117389403028,"Year 3",{"$f":"SUM(E28:E39)","v":8.1056967206840653}]
["Month 4",{"$f":"'Retention Curves'!H6","v":0.8367916045836169},null,{"$f":"(B6-B7)*C3*(8/12)","v":0.85335645495946322},-0.85335645495946322,"Year 4",{"$f":"SUM(E40:E51)","v":5.0694339688154759}]
["Month 5",{"$f":"'Retention Curves'!H7","v":0.79935308382046211},null,{"$f":"(B7-B8)*C3*(7/12)","v":0.6245993213986325},-0.6245993213986325,"Year 5",{"$f":"SUM(E52:E63)","v":2.1611013779264785}]
["Month 6",{"$f":"'Retention Curves'!H8","v":0.76602749380410562},null,{"$f":"(B8-B9)*C3*(6/12)","v":0.47655593723389778},-0.47655593723389778,"Year 6",{"$f":"SUM(E64:E75)","v":0.9847451244502391}]
["Month 7",{"$f":"'Retention Curves'!H9","v":0.71643022061943007},null,{"$f":"(B9-B10)*C3*(5/12)","v":0.59103417211738374},-0.59103417211738374,"Year 7",{"$f":"SUM(E76:E87)","v":1.0234319165231007}]
["Month 8",{"$f":"'Retention Curves'!H10","v":0.67870626211169338},null,{"$f":"(B10-B11)*C3*(4/12)","v":0.35963507110708975},-0.35963507110708975,"Year 8",{"$f":"SUM(E88:E99)","v":0.96374837759468324}]
["Month 9",{"$f":"'Retention Curves'!H11","v":0.6569701934680402},null,{"$f":"(B11-B12)*C3*(3/12)","v":0.15541289080212026},-0.15541289080212026,"Year 9",{"$f":"SUM(E100:E111)","v":0.56683688114466058}]
["Month 10",{"$f":"'Retention Curves'!H12","v":0.6377327006885174},null,{"$f":"(B12-B13)*C3*(2/12)","v":9.1698715582392024E-2},-9.1698715582392024E-2,"Year 10",{"$f":"SUM(E112:E123)","v":0.28266333333333338}]
["Month 11",{"$f":"'Retention Curves'!H13","v":0.61906616462709574},null,{"$f":"(B13-B14)*C3*(1/12)","v":4.4488577613054948E-2},-4.4488577613054948E-2,"Discount Rate",0]
["Month 12",{"$f":"'Retention Curves'!H14","v":0.59885195806348235},{"$f":"B15*$K$4","v":17.127166000615595},{"$f":"(B14-B15)*C3*(0/12)","v":0},17.127166000615595,"NPV",{"$f":"NPV(G14,G4:G13)+G3","v":69.037031550466395}]
["Month 13",{"$f":"'Retention Curves'!H15","v":0.56690833599909973},null,{"$f":"(B15-B16)*C15*(11/12)","v":0.5015117412778074},-0.5015117412778074]
["Month 14",{"$f":"'Retention Curves'!H16","v":0.54246294047186117},null,{"$f":"(B16-B17)*C15*(10/12)","v":0.3489002892881008},-0.3489002892881008]
["Month 15",{"$f":"'Retention Curves'!H17","v":0.52803773734374859},null,{"$f":"(B17-B18)*C15*(9/12)","v":0.18529713642583756},-0.18529713642583756]
["Month 16",{"$f":"'Retention Curves'!H18","v":0.51515820314927063},null,{"$f":"(B18-B19)*C15*(8/12)","v":0.14705994677295259},-0.14705994677295259]
["Month 17",{"$f":"'Retention Curves'!H19","v":0.50283935280801739},null,{"$f":"(B19-B20)*C15*(7/12)","v":0.12307574692664086},-0.12307574692664086]
["Month 18",{"$f":"'Retention Curves'!H20","v":0.49059314947543953},null,{"$f":"(B20-B21)*C15*(6/12)","v":0.10487137867717651},-0.10487137867717651]
["Month 19",{"$f":"'Retention Curves'!H21","v":0.47095262875186022},null,{"$f":"(B21-B22)*C15*(5/12)","v":0.14016102448803061},-0.14016102448803061]
["Month 20",{"$f":"'Retention Curves'!H22","v":0.4547644225782696},null,{"$f":"(B22-B23)*C15*(4/12)","v":9.2419364795758935E-2},-9.2419364795758935E-2]
["Month 21",{"$f":"'Retention Curves'!H23","v":0.44445461628663469},null,{"$f":"(B23-B24)*C15*(3/12)","v":4.4144440947755569E-2},-4.4144440947755569E-2]
["Month 22",{"$f":"'Retention Curves'!H24","v":0.43542694927223091},null,{"$f":"(B24-B25)*C15*(2/12)","v":2.5769725258995867E-2},-2.5769725258995867E-2]
["Month 23",{"$f":"'Retention Curves'!H25","v":0.42547381624299396},null,{"$f":"(B25-B26)*C15*(1/12)","v":1.4205746801495932E-2},-1.4205746801495932E-2]
["Month 24",{"$f":"'Retention Curves'!H26","v":0.41364565774702322},{"$f":"B27*$K$4","v":11.830265811564864},{"$f":"(B26-B27)*C15*(0/12)","v":0},11.830265811564864]
["Month 25",{"$f":"'Retention Curves'!H27","v":0.39487268455684599},null,{"$f":"(B27-B28)*C27*(11/12)","v":0.20358182433707939},-0.20358182433707939]
["Month 26",{"$f":"'Retention Curves'!H28","v":0.38071813478587663},null,{"$f":"(B28-B29)*C27*(10/12)","v":0.13954340519466008},-0.13954340519466008]
["Month 27",{"$f":"'Retention Curves'!H29","v":0.37367480202164821},null,{"$f":"(B29-B30)*C27*(9/12)","v":6.2493374100094555E-2},-6.2493374100094555E-2]
["Month 28",{"$f":"'Retention Curves'!H30","v":0.36675174939367122},null,{"$f":"(B30-B31)*C27*(8/12)","v":5.4601035210946974E-2},-5.4601035210946974E-2]
["Month 29",{"$f":"'Retention Curves'!H31","v":0.35956346485146906},null,{"$f":"(B31-B32)*C27*(7/12)","v":4.9606268170325075E-2},-4.9606268170325075E-2]
["Month 30",{"$f":"'Retention Curves'!H32","v":0.35176722780998698},null,{"$f":"(B32-B33)*C27*(6/12)","v":4.6115778265350522E-2},-4.6115778265350522E-2]
["Month 31",{"$f":"'Retention Curves'!H33","v":0.33959748355906122},null,{"$f":"(B33-B34)*C27*(5/12)","v":5.9988045561339631E-2},-5.9988045561339631E-2]
["Month 32",{"$f":"'Retention Curves'!H34","v":0.33099402866242067},null,{"$f":"(B34-B35)*C27*(4/12)","v":3.3927052775022337E-2},-3.3927052775022337E-2]
["Month 33",{"$f":"'Retention Curves'!H35","v":0.32527585939649184},null,{"$f":"(B35-B36)*C27*(3/12)","v":1.6911865592864696E-2},-1.6911865592864696E-2]
["Month 34",{"$f":"'Retention Curves'!H36","v":0.32023347068882096},null,{"$f":"(B36-B37)*C27*(2/12)","v":9.9421331228299152E-3},-9.9421331228299152E-3]
["Month 35",{"$f":"'Retention Curves'!H37","v":0.31449431693673913},null,{"$f":"(B37-B38)*C27*(1/12)","v":5.6579762017139983E-3},-5.6579762017139983E-3]
["Month 36",{"$f":"'Retention Curves'!H38","v":0.30727501675581442},{"$f":"B39*$K$4","v":8.7880654792162929},{"$f":"(B38-B39)*C27*(0/12)","v":0},8.7880654792162929]
["Month 37",{"$f":"'Retention Curves'!H39","v":0.31207960099900001},null,{"$f":"(B39-B40)*C39*(11/12)","v":-3.8704417518731951E-2},3.8704417518731951E-2]
["Month 38",{"$f":"'Retention Curves'!H40","v":0.26},null,{"$f":"(B40-B41)*C39*(10/12)","v":0.3813991197588919},-0.3813991197588919]
["Month 39",{"$f":"'Retention Curves'!H41","v":0.25869999999999999},null,{"$f":"(B41-B42)*C39*(9/12)","v":8.5683638422360386E-3},-8.5683638422360386E-3]
["Month 40",{"$f":"'Retention Curves'!H42","v":0.25740649999999998},null,{"$f":"(B42-B43)*C39*(8/12)","v":7.5782417982442002E-3},-7.5782417982442002E-3]
["Month 41",{"$f":"'Retention Curves'!H43","v":0.25611946749999998},null,{"$f":"(B43-B44)*C39*(7/12)","v":6.5978067655963792E-3},-6.5978067655963792E-3]
["Month 42",{"$f":"'Retention Curves'!H44","v":0.25483887016249995},null,{"$f":"(B44-B45)*C39*(6/12)","v":5.6269866272301216E-3},-5.6269866272301216E-3]
["Month 43",{"$f":"'Retention Curves'!H45","v":0.25356467581168746},null,{"$f":"(B45-B46)*C39*(5/12)","v":4.6657097450782149E-3},-4.6657097450782149E-3]
["Month 44",{"$f":"'Retention Curves'!H46","v":0.2},null,{"$f":"(B46-B47)*C39*(4/12)","v":0.15690995946870079},-0.15690995946870079]
["Month 45",{"$f":"'Retention Curves'!H47","v":0.19900000000000001},null,{"$f":"(B47-B48)*C39*(3/12)","v":2.1970163698040754E-3},-2.1970163698040754E-3]
["Month 46",{"$f":"'Retention Curves'!H48","v":0.19800500000000001},null,{"$f":"(B48-B49)*C39*(2/12)","v":1.457354191970029E-3},-1.457354191970029E-3]
["Month 47",{"$f":"'Retention Curves'!H49","v":0.19701497500000001},null,{"$f":"(B49-B50)*C39*(1/12)","v":7.2503371050509653E-4},-7.2503371050509653E-4]
["Month 48",{"$f":"'Retention Curves'!H50","v":0.19602990012500002},{"$f":"B51*$K$4","v":5.6064551435750012},{"$f":"(B50-B51)*C39*(0/12)","v":0},5.6064551435750012]
["Month 49",{"$f":"'Retention Curves'!H51","v":0.19504975062437502},null,{"$f":"(B51-B52)*C51*(11/12)","v":5.0372338584805387E-3},-5.0372338584805387E-3]
["Month 50",{"$f":"'Retention Curves'!H52","v":0.14000000000000001},null,{"$f":"(B52-B53)*C51*(10/12)","v":0.25719496461712366},-0.25719496461712366]
["Month 51",{"$f":"'Retention Curves'!H53","v":0.13930000000000001},null,{"$f":"(B53-B54)*C51*(9/12)","v":2.9433889503769021E-3},-2.9433889503769021E-3]
["Month 52",{"$f":"'Retention Curves'!H54","v":0.13860350000000002},null,{"$f":"(B54-B55)*C51*(8/12)","v":2.6032640049999502E-3},-2.6032640049999502E-3]
["Month 53",{"$f":"'Retention Curves'!H55","v":0.13791048250000001},null,{"$f":"(B55-B56)*C51*(7/12)","v":2.2664667243531308E-3},-2.2664667243531308E-3]
["Month 54",{"$f":"'Retention Curves'!H56","v":0.13722093008750003},null,{"$f":"(B56-B57)*C51*(6/12)","v":1.9329723349125558E-3},-1.9329723349125558E-3]
["Month 55",{"$f":"'Retention Curves'!H57","v":0.13653482543706252},null,{"$f":"(B57-B58)*C51*(5/12)","v":1.6027562276983598E-3},-1.6027562276983598E-3]
["Month 56",{"$f":"'Retention Curves'!H58","v":0.09},null,{"$f":"(B58-B59)*C51*(4/12)","v":8.6965137142328008E-2},-8.6965137142328008E-2]
["Month 57",{"$f":"'Retention Curves'!H59","v":8.9549999999999991E-2},null,{"$f":"(B59-B60)*C51*(3/12)","v":6.3072620365219598E-4},-6.3072620365219598E-4]
["Month 58",{"$f":"'Retention Curves'!H60","v":8.9102249999999994E-2},null,{"$f":"(B60-B61)*C51*(2/12)","v":4.1838171508928141E-4},-4.1838171508928141E-4]
["Month 59",{"$f":"'Retention Curves'!H61","v":8.8656738749999991E-2},null,{"$f":"(B61-B62)*C51*(1/12)","v":2.0814490325692016E-4},-2.0814490325692016E-4]
["Month 60",{"$f":"'Retention Curves'!H62","v":8.8213455056249987E-2},{"$f":"B63*$K$4","v":2.5229048146087498},{"$f":"(B62-B63)*C51*(0/12)","v":0},2.5229048146087498]
["Month 61",{"$f":"'Retention Curves'!H63","v":8.7772387780968741E-2},null,{"$f":"(B63-B64)*C63*(11/12)","v":1.0200398563422991E-3},-1.0200398563422991E-3]
["Month 62",{"$f":"'Retention Curves'!H64","v":0.04},null,{"$f":"(B64-B65)*C63*(10/12)","v":0.10043765594830187},-0.10043765594830187]
["Month 63",{"$f":"'Retention Curves'!H65","v":3.9800000000000002E-2},null,{"$f":"(B65-B66)*C63*(9/12)","v":3.7843572219131022E-4},-3.7843572219131022E-4]
["Month 64",{"$f":"'Retention Curves'!H66","v":3.9601000000000004E-2},null,{"$f":"(B66-B67)*C63*(8/12)","v":3.3470537207142372E-4},-3.3470537207142372E-4]
["Month 65",{"$f":"'Retention Curves'!H67","v":3.9402995000000003E-2},null,{"$f":"(B67-B68)*C63*(7/12)","v":2.9140286455968818E-4},{"$f":"C68-D68","v":-2.9140286455968818E-4}]
["Month 66",{"$f":"'Retention Curves'!H68","v":3.9205980025000003E-2},null,{"$f":"(B68-B69)*C63*(6/12)","v":2.4852501448876087E-4},-2.4852501448876087E-4]
["Month 67",{"$f":"'Retention Curves'!H69","v":3.9009950124875001E-2},null,{"$f":"(B69-B70)*C63*(5/12)","v":2.06068657846934E-4},-2.06068657846934E-4]
["Month 68",{"$f":"'Retention Curves'!H70","v":3.8814900374250623E-2},null,{"$f":"(B70-B71)*C63*(4/12)","v":1.6403065164615963E-4},-1.6403065164615963E-4]
["Month 69",{"$f":"'Retention Curves'!H71","v":3.8620825872379368E-2},null,{"$f":"(B71-B72)*C63*(3/12)","v":1.224078737909462E-4},-1.224078737909462E-4]
["Month 70",{"$f":"'Retention Curves'!H72","v":3.8427721743017472E-2},null,{"$f":"(B72-B73)*C63*(2/12)","v":8.1197222947992914E-5},-8.1197222947992914E-5]
["Month 71",{"$f":"'Retention Curves'!H73","v":3.8235583134302385E-2},null,{"$f":"(B73-B74)*C63*(1/12)","v":4.0395618416626578E-5},-4.0395618416626578E-5]
["Month 72",{"$f":"'Retention Curves'!H74","v":3.8044405218630874E-2},{"$f":"B75*$K$4","v":1.0880699892528432},{"$f":"(B74-B75)*C63*(0/12)","v":0},1.0880699892528432]
["Month 73",{"$f":"'Retention Curves'!H75","v":3.7854183192537721E-2},null,{"$f":"(B75-B76)*C75*(11/12)","v":1.8972697139626102E-4},-1.8972697139626102E-4]
["Month 74",{"$f":"'Retention Curves'!H76","v":3.7664912276575035E-2},null,{"$f":"(B76-B77)*C75*(10/12)","v":1.7161666958116293E-4},-1.7161666958116293E-4]
["Month 75",{"$f":"'Retention Curves'!H77","v":3.7476587715192161E-2},null,{"$f":"(B77-B78)*C75*(9/12)","v":1.5368272760993287E-4},-1.5368272760993287E-4]
["Month 76",{"$f":"'Retention Curves'!H78","v":3.7289204776616201E-2},null,{"$f":"(B78-B79)*C75*(8/12)","v":1.3592383464167384E-4},-1.3592383464167384E-4]
["Month 77",{"$f":"'Retention Curves'!H79","v":3.7102758752733118E-2},null,{"$f":"(B79-B80)*C75*(7/12)","v":1.1833868853490909E-4},-1.1833868853490909E-4]
["Month 78",{"$f":"'Retention Curves'!H80","v":3.6917244958969454E-2},null,{"$f":"(B80-B81)*C75*(6/12)","v":1.0092599579334211E-4},-1.0092599579334211E-4]
["Month 79",{"$f":"'Retention Curves'!H81","v":3.6732658734174604E-2},null,{"$f":"(B81-B82)*C75*(5/12)","v":8.3684471511981335E-5},-8.3684471511981335E-5]
["Month 80",{"$f":"'Retention Curves'!H82","v":3.6548995440503732E-2},null,{"$f":"(B82-B83)*C75*(4/12)","v":6.6612839323536147E-5},-6.6612839323536147E-5]
["Month 81",{"$f":"'Retention Curves'!H83","v":3.6366250463301213E-2},null,{"$f":"(B83-B84)*C75*(3/12)","v":4.9709831345188939E-5},-4.9709831345188939E-5]
["Month 82",{"$f":"'Retention Curves'!H84","v":3.6184419210984704E-2},null,{"$f":"(B84-B85)*C75*(2/12)","v":3.297418812564237E-5},-3.297418812564237E-5]
["Month 83",{"$f":"'Retention Curves'!H85","v":3.6003497114929783E-2},null,{"$f":"(B85-B86)*C75*(1/12)","v":1.6404658592506642E-5},-1.6404658592506642E-5]
["Month 84",{"$f":"'Retention Curves'!H86","v":3.5823479629355136E-2},{"$f":"B87*$K$4","v":1.024551517399557},{"$f":"(B86-B87)*C75*(0/12)","v":0},1.024551517399557]
["Month 85",{"$f":"'Retention Curves'!H87","v":3.5644362231208357E-2},null,{"$f":"(B87-B88)*C87*(11/12)","v":1.68222085225281E-4},-1.68222085225281E-4]
["Month 86",{"$f":"'Retention Curves'!H88","v":3.5466140420052313E-2},null,{"$f":"(B88-B89)*C87*(10/12)","v":1.5216452254468543E-4},-1.5216452254468543E-4]
["Month 87",{"$f":"'Retention Curves'!H89","v":3.5288809717952049E-2},null,{"$f":"(B89-B90)*C87*(9/12)","v":1.3626332993876508E-4},-1.3626332993876508E-4]
["Month 88",{"$f":"'Retention Curves'!H90","v":3.5112365669362287E-2},null,{"$f":"(B90-B91)*C87*(8/12)","v":1.2051734514584119E-4},-1.2051734514584119E-4]
["Month 89",{"$f":"'Retention Curves'!H91","v":3.4936803841015475E-2},null,{"$f":"(B91-B92)*C87*(7/12)","v":1.0492541361759757E-4},-1.0492541361759757E-4]
["Month 90",{"$f":"'Retention Curves'!H92","v":3.4762119821810399E-2},null,{"$f":"(B92-B93)*C87*(6/12)","v":8.948638847100717E-5},-8.948638847100717E-5]
["Month 91",{"$f":"'Retention Curves'!H93","v":3.4588309222701348E-2},null,{"$f":"(B93-B94)*C87*(5/12)","v":7.419913044054324E-5},-7.419913044054324E-5]
["Month 92",{"$f":"'Retention Curves'!H94","v":3.4415367676587844E-2},null,{"$f":"(B94-B95)*C87*(4/12)","v":5.9062507830672158E-5},-5.9062507830672158E-5]
["Month 93",{"$f":"'Retention Curves'!H95","v":3.4243290838204904E-2},null,{"$f":"(B95-B96)*C87*(3/12)","v":4.4075396468639779E-5},-4.4075396468639779E-5]
["Month 94",{"$f":"'Retention Curves'!H96","v":3.4072074384013877E-2},null,{"$f":"(B96-B97)*C87*(2/12)","v":2.9236679657531389E-5},-2.9236679657531389E-5]
["Month 95",{"$f":"'Retention Curves'!H97","v":3.3901714012093805E-2},null,{"$f":"(B97-B98)*C87*(1/12)","v":1.4545248129621925E-5},-1.4545248129621925E-5]
["Month 96",{"$f":"'Retention Curves'!H98","v":3.3732205442033335E-2},{"$f":"B99*$K$4","v":0.96474107564215339},{"$f":"(B98-B99)*C87*(0/12)","v":0},0.96474107564215339]
["Month 97",{"$f":"'Retention Curves'!H99","v":3.356354441482317E-2},null,{"$f":"(B99-B100)*C99*(11/12)","v":1.4915470240884149E-4},-1.4915470240884149E-4]
["Month 98",{"$f":"'Retention Curves'!H100","v":3.3395726692749053E-2},null,{"$f":"(B100-B101)*C99*(10/12)","v":1.3491720808799919E-4},-1.3491720808799919E-4]
["Month 99",{"$f":"'Retention Curves'!H101","v":3.3228748059285308E-2},null,{"$f":"(B101-B102)*C99*(9/12)","v":1.208183598428026E-4},-1.208183598428026E-4]
["Month 100",{"$f":"'Retention Curves'!H102","v":3.3062604318988879E-2},null,{"$f":"(B102-B103)*C99*(8/12)","v":1.0685712714985824E-4},-1.0685712714985824E-4]
["Month 101",{"$f":"'Retention Curves'!H103","v":3.2897291297393938E-2},null,{"$f":"(B103-B104)*C99*(7/12)","v":9.3032486324842335E-5},-9.3032486324842335E-5]
["Month 102",{"$f":"'Retention Curves'!H104","v":3.2732804840906966E-2},null,{"$f":"(B104-B105)*C99*(6/12)","v":7.9343420479903638E-5},-7.9343420479903638E-5]
["Month 103",{"$f":"'Retention Curves'!H105","v":2.7951721733358807E-2},null,{"$f":"(B105-B106)*C99*(5/12)","v":1.9218780249627256E-3},-1.9218780249627256E-3]
["Month 104",{"$f":"'Retention Curves'!H106","v":0.02},null,{"$f":"(B106-B107)*C99*(4/12)","v":2.5571175260825541E-3},-2.5571175260825541E-3]
["Month 105",{"$f":"'Retention Curves'!H107","v":0.02},null,{"$f":"(B107-B108)*C99*(3/12)","v":0},0]
["Month 106",{"$f":"'Retention Curves'!H108","v":0.02},null,{"$f":"(B108-B109)*C99*(2/12)","v":0},0]
["Month 107",{"$f":"'Retention Curves'!H109","v":0.02},null,{"$f":"(B109-B110)*C99*(1/12)","v":0},0]
["Month 108",{"$f":"'Retention Curves'!H110","v":0.02},{"$f":"B111*$K$4","v":0.57200000000000006},{"$f":"(B110-B111)*C99*(0/12)","v":0},0.57200000000000006]
["Month 109",{"$f":"'Retention Curves'!H111","v":0.02},null,{"$f":"(B111-B112)*C111*(11/12)","v":0},0]
["Month 110",{"$f":"'Retention Curves'!H112","v":0.02},null,{"$f":"(B112-B113)*C111*(10/12)","v":0},0]
["Month 111",{"$f":"'Retention Curves'!H113","v":0.02},null,{"$f":"(B113-B114)*C111*(9/12)","v":0},0]
["Month 112",{"$f":"'Retention Curves'!H114","v":0.02},null,{"$f":"(B114-B115)*C111*(8/12)","v":0},0]
["Month 113",{"$f":"'Retention Curves'!H115","v":0.01},null,{"$f":"(B115-B116)*C111*(7/12)","v":3.3366666666666675E-3},-3.3366666666666675E-3]
["Month 114",{"$f":"'Retention Curves'!H116","v":0.01},null,{"$f":"(B116-B117)*C111*(6/12)","v":0},0]
["Month 115",{"$f":"'Retention Curves'!H117","v":0.01},null,{"$f":"(B117-B118)*C111*(5/12)","v":0},0]
["Month 116",{"$f":"'Retention Curves'!H118","v":0.01},null,{"$f":"(B118-B119)*C111*(4/12)","v":0},0]
["Month 117",{"$f":"'Retention Curves'!H119","v":0.01},null,{"$f":"(B119-B120)*C111*(3/12)","v":0},0]
["Month 118",{"$f":"'Retention Curves'!H120","v":0.01},null,{"$f":"(B120-B121)*C111*(2/12)","v":0},0]
["Month 119",{"$f":"'Retention Curves'!H121","v":0.01},null,{"$f":"(B121-B122)*C111*(1/12)","v":0},0]
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[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"B3*J4","v":156.13},null,{"$f":"C3-D3","v":156.13},"Year 0",{"$f":"E3","v":156.13},null,null,"New Commission","Renewal Commission"]
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["Month 3",{"$f":"'Retention Curves'!H5","v":0.88154806201156077},null,{"$f":"(B5-B6)*C3*(3/6)","v":4.1209284802039496},-4.1209284802039496,"Year 3",{"$f":"SUM(E28:E39)","v":99.648794004094157}]
["Month 4",{"$f":"'Retention Curves'!H6","v":0.8367916045836169},null,{"$f":"(B6-B7)*C3*(2/6)","v":2.3292752327416255},-2.3292752327416255,"Year 4",{"$f":"SUM(E40:E51)","v":67.355665941153205}]
["Month 5",{"$f":"'Retention Curves'!H7","v":0.79935308382046211},null,{"$f":"(B7-B8)*C3*(1/6)","v":0.97421270779189284},-0.97421270779189284,"Year 5",{"$f":"SUM(E52:E63)","v":33.340969090465592}]
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["Month 8",{"$f":"'Retention Curves'!H10","v":0.67870626211169338},null,{"$f":"(B10-B11)*C9*(4/6)","v":3.0078537545206778},-3.0078537545206778,"Year 8",{"$f":"SUM(E88:E99)","v":10.689188385497351}]
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["Month 16",{"$f":"'Retention Curves'!H18","v":0.51515820314927063},null,{"$f":"(B18-B19)*C15*(2/6)","v":0.40140680925980915},-0.40140680925980915]
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["Month 21",{"$f":"'Retention Curves'!H23","v":0.44445461628663469},null,{"$f":"(B23-B24)*C21*(3/6)","v":0.39484655127144141},-0.39484655127144141]
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["Month 24",{"$f":"'Retention Curves'!H26","v":0.41364565774702322},{"$f":"B27*$K$4","v":64.582496544042741},null,64.582496544042741]
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["Month 30",{"$f":"'Retention Curves'!H32","v":0.35176722780998698},{"$f":"B33*$K$4","v":54.921417277973269},null,54.921417277973269]
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["Month 32",{"$f":"'Retention Curves'!H34","v":0.33099402866242067},null,{"$f":"(B34-B35)*C33*(4/6)","v":0.31500929094041197},-0.31500929094041197]
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["Month 34",{"$f":"'Retention Curves'!H36","v":0.32023347068882096},null,{"$f":"(B36-B37)*C33*(2/6)","v":9.2311711430577495E-2},-9.2311711430577495E-2]
["Month 35",{"$f":"'Retention Curves'!H37","v":0.31449431693673913},null,{"$f":"(B37-B38)*C33*(1/6)","v":5.253374300675543E-2},-5.253374300675543E-2]
["Month 36",{"$f":"'Retention Curves'!H38","v":0.30727501675581442},{"$f":"B39*$K$4","v":47.974848366085304},null,47.974848366085304]
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["Month 38",{"$f":"'Retention Curves'!H40","v":0.26},null,{"$f":"(B40-B41)*C39*(4/6)","v":1.6656739739288329},-1.6656739739288329]
["Month 39",{"$f":"'Retention Curves'!H41","v":0.25869999999999999},null,{"$f":"(B41-B42)*C39*(3/6)","v":3.1183651437956008E-2},-3.1183651437956008E-2]
["Month 40",{"$f":"'Retention Curves'!H42","v":0.25740649999999998},null,{"$f":"(B42-B43)*C39*(2/6)","v":2.0685155453843827E-2},-2.0685155453843827E-2]
["Month 41",{"$f":"'Retention Curves'!H43","v":0.25611946749999998},null,{"$f":"(B43-B44)*C39*(1/6)","v":1.0290864838287337E-2},-1.0290864838287337E-2]
["Month 42",{"$f":"'Retention Curves'!H44","v":0.25483887016249995},{"$f":"B45*$K$4","v":39.787992798471116},null,39.787992798471116]
["Month 43",{"$f":"'Retention Curves'!H45","v":0.25356467581168746},null,{"$f":"(B45-B46)*C45*(5/6)","v":4.2248029711650155E-2},-4.2248029711650155E-2]
["Month 44",{"$f":"'Retention Curves'!H46","v":0.2},null,{"$f":"(B46-B47)*C45*(4/6)","v":1.4208206236319065},-1.4208206236319065]
["Month 45",{"$f":"'Retention Curves'!H47","v":0.19900000000000001},null,{"$f":"(B47-B48)*C45*(3/6)","v":1.9893996399235576E-2},-1.9893996399235576E-2]
["Month 46",{"$f":"'Retention Curves'!H48","v":0.19800500000000001},null,{"$f":"(B48-B49)*C45*(2/6)","v":1.3196350944826199E-2},-1.3196350944826199E-2]
["Month 47",{"$f":"'Retention Curves'!H49","v":0.19701497500000001},null,{"$f":"(B49-B50)*C45*(1/6)","v":6.5651845950510969E-3},-6.5651845950510969E-3]
["Month 48",{"$f":"'Retention Curves'!H50","v":0.19602990012500002},{"$f":"B51*$K$4","v":30.606148306516253},null,30.606148306516253]
["Month 49",{"$f":"'Retention Curves'!H51","v":0.19504975062437502},null,{"$f":"(B51-B52)*C51*(5/6)","v":2.4998834148905483E-2},-2.4998834148905483E-2]
["Month 50",{"$f":"'Retention Curves'!H52","v":0.14000000000000001},null,{"$f":"(B52-B53)*C51*(4/6)","v":1.1232405545642381},-1.1232405545642381]
["Month 51",{"$f":"'Retention Curves'!H53","v":0.13930000000000001},null,{"$f":"(B53-B54)*C51*(3/6)","v":1.0712151907280783E-2},-1.0712151907280783E-2]
["Month 52",{"$f":"'Retention Curves'!H54","v":0.13860350000000002},null,{"$f":"(B54-B55)*C51*(2/6)","v":7.1057274318294091E-3},-7.1057274318294091E-3]
["Month 53",{"$f":"'Retention Curves'!H55","v":0.13791048250000001},null,{"$f":"(B55-B56)*C51*(1/6)","v":3.5350993973352072E-3},-3.5350993973352072E-3]
["Month 54",{"$f":"'Retention Curves'!H56","v":0.13722093008750003},{"$f":"B57*$K$4","v":21.424303814561377},null,21.424303814561377]
["Month 55",{"$f":"'Retention Curves'!H57","v":0.13653482543706252},null,{"$f":"(B57-B58)*C57*(5/6)","v":1.2249428732963735E-2},-1.2249428732963735E-2]
["Month 56",{"$f":"'Retention Curves'!H58","v":0.09},null,{"$f":"(B58-B59)*C57*(4/6)","v":0.66465082541413767},-0.66465082541413767]
["Month 57",{"$f":"'Retention Curves'!H59","v":8.9549999999999991E-2},null,{"$f":"(B59-B60)*C57*(3/6)","v":4.8204683582763735E-3},-4.8204683582763735E-3]
["Month 58",{"$f":"'Retention Curves'!H60","v":8.9102249999999994E-2},null,{"$f":"(B60-B61)*C57*(2/6)","v":3.1975773443232618E-3},-3.1975773443232618E-3]
["Month 59",{"$f":"'Retention Curves'!H61","v":8.8656738749999991E-2},null,{"$f":"(B61-B62)*C57*(1/6)","v":1.5907947288008432E-3},-1.5907947288008432E-3]
["Month 60",{"$f":"'Retention Curves'!H62","v":8.8213455056249987E-2},{"$f":"B63*$K$4","v":13.77276673793231},null,13.77276673793231]
["Month 61",{"$f":"'Retention Curves'!H63","v":8.7772387780968741E-2},null,{"$f":"(B63-B64)*C63*(5/6)","v":5.0622639151533108E-3},-5.0622639151533108E-3]
["Month 62",{"$f":"'Retention Curves'!H64","v":0.04},null,{"$f":"(B64-B65)*C63*(4/6)","v":0.43863863561422006},-0.43863863561422006]
["Month 63",{"$f":"'Retention Curves'!H65","v":3.9800000000000002E-2},null,{"$f":"(B65-B66)*C63*(3/6)","v":1.3772766737932226E-3},-1.3772766737932226E-3]
["Month 64",{"$f":"'Retention Curves'!H66","v":3.9601000000000004E-2},null,{"$f":"(B66-B67)*C63*(2/6)","v":9.1359352694949964E-4},-9.1359352694949964E-4]
["Month 65",{"$f":"'Retention Curves'!H67","v":3.9402995000000003E-2},null,{"$f":"(B67-B68)*C63*(1/6)","v":4.5451277965738364E-4},{"$f":"C68-D68","v":-4.5451277965738364E-4}]
["Month 66",{"$f":"'Retention Curves'!H68","v":3.9205980025000003E-2},{"$f":"B69*$K$4","v":6.12122966130325},null,6.12122966130325]
["Month 67",{"$f":"'Retention Curves'!H69","v":3.9009950124875001E-2},null,{"$f":"(B69-B70)*C69*(5/6)","v":9.9995336595623324E-4},-9.9995336595623324E-4]
["Month 68",{"$f":"'Retention Curves'!H70","v":3.8814900374250623E-2},null,{"$f":"(B70-B71)*C69*(4/6)","v":7.9596287930116258E-4},-7.9596287930116258E-4]
["Month 69",{"$f":"'Retention Curves'!H71","v":3.8620825872379368E-2},null,{"$f":"(B71-B72)*C69*(3/6)","v":5.939872986784905E-4},-5.939872986784905E-4]
["Month 70",{"$f":"'Retention Curves'!H72","v":3.8427721743017472E-2},null,{"$f":"(B72-B73)*C69*(2/6)","v":3.9401157479005859E-4},-3.9401157479005859E-4]
["Month 71",{"$f":"'Retention Curves'!H73","v":3.8235583134302385E-2},null,{"$f":"(B73-B74)*C69*(1/6)","v":1.9602075845805462E-4},-1.9602075845805462E-4]
["Month 72",{"$f":"'Retention Curves'!H74","v":3.8044405218630874E-2},{"$f":"B75*$K$4","v":5.9398729867848381},null,5.9398729867848381]
["Month 73",{"$f":"'Retention Curves'!H75","v":3.7854183192537721E-2},null,{"$f":"(B75-B76)*C75*(5/6)","v":9.4157889523516301E-4},-9.4157889523516301E-4]
["Month 74",{"$f":"'Retention Curves'!H76","v":3.7664912276575035E-2},null,{"$f":"(B76-B77)*C75*(4/6)","v":7.4949680060718764E-4},-7.4949680060718764E-4]
["Month 75",{"$f":"'Retention Curves'!H77","v":3.7476587715192161E-2},null,{"$f":"(B77-B78)*C75*(3/6)","v":5.5931198745311922E-4},-5.5931198745311922E-4]
["Month 76",{"$f":"'Retention Curves'!H78","v":3.7289204776616201E-2},null,{"$f":"(B78-B79)*C75*(2/6)","v":3.7101028501056876E-4},-3.7101028501056876E-4]
["Month 77",{"$f":"'Retention Curves'!H79","v":3.7102758752733118E-2},null,{"$f":"(B79-B80)*C75*(1/6)","v":1.8457761679276075E-4},-1.8457761679276075E-4]
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["Month 79",{"$f":"'Retention Curves'!H81","v":3.6732658734174604E-2},null,{"$f":"(B81-B82)*C81*(5/6)","v":8.866121622626939E-4},-8.866121622626939E-4]
["Month 80",{"$f":"'Retention Curves'!H82","v":3.6548995440503732E-2},null,{"$f":"(B82-B83)*C81*(4/6)","v":7.0574328116109397E-4},-7.0574328116109397E-4]
["Month 81",{"$f":"'Retention Curves'!H83","v":3.6366250463301213E-2},null,{"$f":"(B83-B84)*C81*(3/6)","v":5.2666092356646731E-4},-5.2666092356646731E-4]
["Month 82",{"$f":"'Retention Curves'!H84","v":3.6184419210984704E-2},null,{"$f":"(B84-B85)*C81*(2/6)","v":3.4935174596576054E-4},-3.4935174596576054E-4]
["Month 83",{"$f":"'Retention Curves'!H85","v":3.6003497114929783E-2},null,{"$f":"(B85-B86)*C81*(1/6)","v":1.7380249361796126E-4},-1.7380249361796126E-4]
["Month 84",{"$f":"'Retention Curves'!H86","v":3.5823479629355136E-2},{"$f":"B87*$K$4","v":5.593119874531217},null,5.593119874531217]
["Month 85",{"$f":"'Retention Curves'!H87","v":3.5644362231208357E-2},null,{"$f":"(B87-B88)*C87*(5/6)","v":8.34854232874225E-4},-8.34854232874225E-4]
["Month 86",{"$f":"'Retention Curves'!H88","v":3.5466140420052313E-2},null,{"$f":"(B88-B89)*C87*(4/6)","v":6.6454396936788075E-4},-6.6454396936788075E-4]
["Month 87",{"$f":"'Retention Curves'!H89","v":3.5288809717952049E-2},null,{"$f":"(B89-B90)*C87*(3/6)","v":4.9591593714077837E-4},-4.9591593714077837E-4]
["Month 88",{"$f":"'Retention Curves'!H90","v":3.5112365669362287E-2},null,{"$f":"(B90-B91)*C87*(2/6)","v":3.2895757163671648E-4},-3.2895757163671648E-4]
["Month 89",{"$f":"'Retention Curves'!H91","v":3.4936803841015475E-2},null,{"$f":"(B91-B92)*C87*(1/6)","v":1.6365639188926576E-4},-1.6365639188926576E-4]
["Month 90",{"$f":"'Retention Curves'!H92","v":3.4762119821810399E-2},{"$f":"B93*$K$4","v":5.427409767779257},null,5.427409767779257]
["Month 91",{"$f":"'Retention Curves'!H93","v":3.4588309222701348E-2},null,{"$f":"(B93-B94)*C93*(5/6)","v":7.8611778612335448E-4},-7.8611778612335448E-4]
["Month 92",{"$f":"'Retention Curves'!H94","v":3.4415367676587844E-2},null,{"$f":"(B94-B95)*C93*(4/6)","v":6.2574975775418729E-4},-6.2574975775418729E-4]
["Month 93",{"$f":"'Retention Curves'!H95","v":3.4243290838204904E-2},null,{"$f":"(B95-B96)*C93*(3/6)","v":4.6696575672406959E-4},-4.6696575672406959E-4]
["Month 94",{"$f":"'Retention Curves'!H96","v":3.4072074384013877E-2},null,{"$f":"(B96-B97)*C93*(2/6)","v":3.0975395196030297E-4},-3.0975395196030297E-4]
["Month 95",{"$f":"'Retention Curves'!H97","v":3.3901714012093805E-2},null,{"$f":"(B97-B98)*C93*(1/6)","v":1.5410259110025138E-4},-1.5410259110025138E-4]
["Month 96",{"$f":"'Retention Curves'!H98","v":3.3732205442033335E-2},{"$f":"B99*$K$4","v":5.2666092356646645},null,5.2666092356646645]
["Month 97",{"$f":"'Retention Curves'!H99","v":3.356354441482317E-2},null,{"$f":"(B99-B100)*C99*(5/6)","v":7.4022643633478772E-4},-7.4022643633478772E-4]
["Month 98",{"$f":"'Retention Curves'!H100","v":3.3395726692749053E-2},null,{"$f":"(B100-B101)*C99*(4/6)","v":5.8922024332249833E-4},-5.8922024332249833E-4]
["Month 99",{"$f":"'Retention Curves'!H101","v":3.3228748059285308E-2},null,{"$f":"(B101-B102)*C99*(3/6)","v":4.3970560657941189E-4},-4.3970560657941189E-4]
["Month 100",{"$f":"'Retention Curves'!H102","v":3.3062604318988879E-2},null,{"$f":"(B102-B103)*C99*(2/6)","v":2.9167138569768122E-4},-2.9167138569768122E-4]
["Month 101",{"$f":"'Retention Curves'!H103","v":3.2897291297393938E-2},null,{"$f":"(B103-B104)*C99*(1/6)","v":1.4510651438459171E-4},-1.4510651438459171E-4]
["Month 102",{"$f":"'Retention Curves'!H104","v":3.2732804840906966E-2},{"$f":"B105*$K$4","v":5.1105728198108045},null,5.1105728198108045]
["Month 103",{"$f":"'Retention Curves'!H105","v":2.7951721733358807E-2},null,{"$f":"(B105-B106)*C105*(5/6)","v":2.0361727815576838E-2},-2.0361727815576838E-2]
["Month 104",{"$f":"'Retention Curves'!H106","v":0.02},null,{"$f":"(B106-B107)*C105*(4/6)","v":2.7091901974134913E-2},-2.7091901974134913E-2]
["Month 105",{"$f":"'Retention Curves'!H107","v":0.02},null,{"$f":"(B107-B108)*C105*(3/6)","v":0},0]
["Month 106",{"$f":"'Retention Curves'!H108","v":0.02},null,{"$f":"(B108-B109)*C105*(2/6)","v":0},0]
["Month 107",{"$f":"'Retention Curves'!H109","v":0.02},null,{"$f":"(B109-B110)*C105*(1/6)","v":0},0]
["Month 108",{"$f":"'Retention Curves'!H110","v":0.02},{"$f":"B111*$K$4","v":3.1225999999999998},null,3.1225999999999998]
["Month 109",{"$f":"'Retention Curves'!H111","v":0.02},null,{"$f":"(B111-B112)*C111*(5/6)","v":0},0]
["Month 110",{"$f":"'Retention Curves'!H112","v":0.02},null,{"$f":"(B112-B113)*C111*(4/6)","v":0},0]
["Month 111",{"$f":"'Retention Curves'!H113","v":0.02},null,{"$f":"(B113-B114)*C111*(3/6)","v":0},0]
["Month 112",{"$f":"'Retention Curves'!H114","v":0.02},null,{"$f":"(B114-B115)*C111*(2/6)","v":0},0]
["Month 113",{"$f":"'Retention Curves'!H115","v":0.01},null,{"$f":"(B115-B116)*C111*(1/6)","v":5.2043333333333334E-3},-5.2043333333333334E-3]
["Month 114",{"$f":"'Retention Curves'!H116","v":0.01},{"$f":"B117*$K$4","v":1.5612999999999999},null,1.5612999999999999]
["Month 115",{"$f":"'Retention Curves'!H117","v":0.01},null,{"$f":"(B117-B118)*C117*(5/6)","v":0},0]
["Month 116",{"$f":"'Retention Curves'!H118","v":0.01},null,{"$f":"(B118-B119)*C117*(4/6)","v":0},0]
["Month 117",{"$f":"'Retention Curves'!H119","v":0.01},null,{"$f":"(B119-B120)*C117*(3/6)","v":0},0]
["Month 118",{"$f":"'Retention Curves'!H120","v":0.01},null,{"$f":"(B120-B121)*C117*(2/6)","v":0},0]
["Month 119",{"$f":"'Retention Curves'!H121","v":0.01},null,{"$f":"(B121-B122)*C117*(1/6)","v":0},0]
["Month 120",{"$f":"'Retention Curves'!H122","v":0.01},{"$f":"B123*$K$4","v":1.5612999999999999},null,1.5612999999999999]

{"sheet":"12TRV","index":14,"n_rows":123,"n_cols":12,"rows_kept":123,"cut":false,"hidden":false,"merged":[]}
[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"B3*J4","v":278.55},null,{"$f":"C3-D3","v":278.55},"Year 0",{"$f":"E3","v":278.55},null,null,"New Commission","Renewal Commission"]
["Month 1",{"$f":"'Retention Curves'!I3","v":0.97626510219936247},null,{"$f":"(B3-B4)*C3*(11/12)","v":6.0604094671702864},{"$f":"C4-D4","v":-6.0604094671702864},"Year 1",{"$f":"SUM(E4:E15)","v":75.491835800342272},null,null,278.55,222.84,253.74999999999997]
["Month 2",{"$f":"'Retention Curves'!I4","v":0.93433648806938374},null,{"$f":"(B4-B5)*C3*(10/12)","v":9.7326795549213134},-9.7326795549213134,"Year 2",{"$f":"SUM(E16:E27)","v":78.717445150541138}]
["Month 3",{"$f":"'Retention Curves'!I5","v":0.88154806201156077},null,{"$f":"(B5-B6)*C3*(9/12)","v":11.028162058804941},-11.028162058804941,"Year 3",{"$f":"SUM(E28:E39)","v":63.156414588714583}]
["Month 4",{"$f":"'Retention Curves'!I6","v":0.8367916045836169},null,{"$f":"(B6-B7)*C3*(8/12)","v":8.3112741443691771},-8.3112741443691771,"Year 4",{"$f":"SUM(E40:E51)","v":39.499044252127291}]
["Month 5",{"$f":"'Retention Curves'!I7","v":0.79935308382046211},null,{"$f":"(B7-B8)*C3*(7/12)","v":6.0832916425031156},-6.0832916425031156,"Year 5",{"$f":"SUM(E52:E63)","v":16.838455631368408}]
["Month 6",{"$f":"'Retention Curves'!I8","v":0.76602749380410562},null,{"$f":"(B8-B9)*C3*(6/12)","v":4.64142154952805},-4.64142154952805,"Year 6",{"$f":"SUM(E64:E75)","v":7.672748375261933}]
["Month 7",{"$f":"'Retention Curves'!I9","v":0.71643022061943007},null,{"$f":"(B9-B10)*C3*(5/12)","v":5.7563835189964063},-5.7563835189964063,"Year 7",{"$f":"SUM(E76:E87)","v":7.9741807090212511}]
["Month 8",{"$f":"'Retention Curves'!I10","v":0.67870626211169338},null,{"$f":"(B10-B11)*C3*(4/12)","v":3.5026695474433511},-3.5026695474433511,"Year 8",{"$f":"SUM(E88:E99)","v":7.5091499462657065}]
["Month 9",{"$f":"'Retention Curves'!I11","v":0.6569701934680402},null,{"$f":"(B11-B12)*C3*(3/12)","v":1.5136454801723986},-1.5136454801723986,"Year 9",{"$f":"SUM(E100:E111)","v":4.4165709997998652}]
["Month 10",{"$f":"'Retention Curves'!I12","v":0.6377327006885174},null,{"$f":"(B12-B13)*C3*(2/12)","v":0.89310060228934607},-0.89310060228934607,"Year 10",{"$f":"SUM(E112:E123)","v":2.2024020000000002}]
["Month 11",{"$f":"'Retention Curves'!I13","v":0.61906616462709574},null,{"$f":"(B13-B14)*C3*(1/12)","v":0.43329696832575021},-0.43329696832575021,"Discount Rate",0]
["Month 12",{"$f":"'Retention Curves'!I14","v":0.59885195806348235},{"$f":"B15*$K$4","v":133.4481703348664},{"$f":"(B14-B15)*C3*(0/12)","v":0},133.4481703348664,"NPV",{"$f":"NPV(G14,G4:G13)+G3","v":582.02824745344253}]
["Month 13",{"$f":"'Retention Curves'!I15","v":0.56690833599909973},null,{"$f":"(B15-B16)*C15*(11/12)","v":3.9075830918303009},-3.9075830918303009]
["Month 14",{"$f":"'Retention Curves'!I16","v":0.54246294047186117},null,{"$f":"(B16-B17)*C15*(10/12)","v":2.7184944218517617},-2.7184944218517617]
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["Month 18",{"$f":"'Retention Curves'!I20","v":0.49059314947543953},null,{"$f":"(B20-B21)*C15*(6/12)","v":0.81711671414062981},-0.81711671414062981]
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["Month 20",{"$f":"'Retention Curves'!I22","v":0.4547644225782696},null,{"$f":"(B22-B23)*C15*(4/12)","v":0.7200954982897525},-0.7200954982897525]
["Month 21",{"$f":"'Retention Curves'!I23","v":0.44445461628663469},null,{"$f":"(B23-B24)*C15*(3/12)","v":0.34395619653139337},-0.34395619653139337]
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["Month 24",{"$f":"'Retention Curves'!I26","v":0.41364565774702322},{"$f":"B27*$K$4","v":92.176798372346653},{"$f":"(B26-B27)*C15*(0/12)","v":0},92.176798372346653]
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["Month 30",{"$f":"'Retention Curves'!I32","v":0.35176722780998698},null,{"$f":"(B32-B33)*C27*(6/12)","v":0.35931608491785699},-0.35931608491785699]
["Month 31",{"$f":"'Retention Curves'!I33","v":0.33959748355906122},null,{"$f":"(B33-B34)*C27*(5/12)","v":0.46740335919192044},-0.46740335919192044]
["Month 32",{"$f":"'Retention Curves'!I34","v":0.33099402866242067},null,{"$f":"(B34-B35)*C27*(4/12)","v":0.26434630910440482},-0.26434630910440482]
["Month 33",{"$f":"'Retention Curves'!I35","v":0.32527585939649184},null,{"$f":"(B35-B36)*C27*(3/12)","v":0.13177063387111779},-0.13177063387111779]
["Month 34",{"$f":"'Retention Curves'!I36","v":0.32023347068882096},null,{"$f":"(B36-B37)*C27*(2/12)","v":7.7465207870329303E-2},-7.7465207870329303E-2]
["Month 35",{"$f":"'Retention Curves'!I37","v":0.31449431693673913},null,{"$f":"(B37-B38)*C27*(1/12)","v":4.4084734852795363E-2},-4.4084734852795363E-2]
["Month 36",{"$f":"'Retention Curves'!I38","v":0.30727501675581442},{"$f":"B39*$K$4","v":68.473164733865687},{"$f":"(B38-B39)*C27*(0/12)","v":0},68.473164733865687]
["Month 37",{"$f":"'Retention Curves'!I39","v":0.31207960099900001},null,{"$f":"(B39-B40)*C39*(11/12)","v":-0.3015696643312667},0.3015696643312667]
["Month 38",{"$f":"'Retention Curves'!I40","v":0.26},null,{"$f":"(B40-B41)*C39*(10/12)","v":2.9717125820654355},-2.9717125820654355]
["Month 39",{"$f":"'Retention Curves'!I41","v":0.25869999999999999},null,{"$f":"(B41-B42)*C39*(9/12)","v":6.6761335615520251E-2},-6.6761335615520251E-2]
["Month 40",{"$f":"'Retention Curves'!I42","v":0.25740649999999998},null,{"$f":"(B42-B43)*C39*(8/12)","v":5.9046692388836981E-2},-5.9046692388836981E-2]
["Month 41",{"$f":"'Retention Curves'!I43","v":0.25611946749999998},null,{"$f":"(B43-B44)*C39*(7/12)","v":5.1407526561031362E-2},-5.1407526561031362E-2]
["Month 42",{"$f":"'Retention Curves'!I44","v":0.25483887016249995},null,{"$f":"(B44-B45)*C39*(6/12)","v":4.3843276224194414E-2},-4.3843276224194414E-2]
["Month 43",{"$f":"'Retention Curves'!I45","v":0.25356467581168746},null,{"$f":"(B45-B46)*C39*(5/12)","v":3.6353383202560464E-2},-3.6353383202560464E-2]
["Month 44",{"$f":"'Retention Curves'!I46","v":0.2},null,{"$f":"(B46-B47)*C39*(4/12)","v":1.2225809569232617},-1.2225809569232617]
["Month 45",{"$f":"'Retention Curves'!I47","v":0.19900000000000001},null,{"$f":"(B47-B48)*C39*(3/12)","v":1.7118291183466437E-2},-1.7118291183466437E-2]
["Month 46",{"$f":"'Retention Curves'!I48","v":0.19800500000000001},null,{"$f":"(B48-B49)*C39*(2/12)","v":1.1355133151699346E-2},-1.1355133151699346E-2]
["Month 47",{"$f":"'Retention Curves'!I49","v":0.19701497500000001},null,{"$f":"(B49-B50)*C39*(1/12)","v":5.6491787429704789E-3},-5.6491787429704789E-3]
["Month 48",{"$f":"'Retention Curves'!I50","v":0.19602990012500002},{"$f":"B51*$K$4","v":43.683302943855004},{"$f":"(B50-B51)*C39*(0/12)","v":0},43.683302943855004]
["Month 49",{"$f":"'Retention Curves'!I51","v":0.19504975062437502},null,{"$f":"(B51-B52)*C51*(11/12)","v":3.9248153602230877E-2},-3.9248153602230877E-2]
["Month 50",{"$f":"'Retention Curves'!I52","v":0.14000000000000001},null,{"$f":"(B52-B53)*C51*(10/12)","v":2.0039624445902038},-2.0039624445902038]
["Month 51",{"$f":"'Retention Curves'!I53","v":0.13930000000000001},null,{"$f":"(B53-B54)*C51*(9/12)","v":2.2933734045524078E-2},-2.2933734045524078E-2]
["Month 52",{"$f":"'Retention Curves'!I54","v":0.13860350000000002},null,{"$f":"(B54-B55)*C51*(8/12)","v":2.0283613666929681E-2},-2.0283613666929681E-2]
["Month 53",{"$f":"'Retention Curves'!I55","v":0.13791048250000001},null,{"$f":"(B55-B56)*C51*(7/12)","v":1.7659421148771035E-2},-1.7659421148771035E-2]
["Month 54",{"$f":"'Retention Curves'!I56","v":0.13722093008750003},null,{"$f":"(B56-B57)*C51*(6/12)","v":1.5060963465451535E-2},-1.5060963465451535E-2]
["Month 55",{"$f":"'Retention Curves'!I57","v":0.13653482543706252},null,{"$f":"(B57-B58)*C51*(5/12)","v":1.2488048873437149E-2},-1.2488048873437149E-2]
["Month 56",{"$f":"'Retention Curves'!I58","v":0.09},null,{"$f":"(B58-B59)*C51*(4/12)","v":0.67759829233553737},-0.67759829233553737]
["Month 57",{"$f":"'Retention Curves'!I59","v":8.9549999999999991E-2},null,{"$f":"(B59-B60)*C51*(3/12)","v":4.9143715811837529E-3},-4.9143715811837529E-3]
["Month 58",{"$f":"'Retention Curves'!I60","v":8.9102249999999994E-2},null,{"$f":"(B60-B61)*C51*(2/12)","v":3.2598664821851557E-3},-3.2598664821851557E-3]
["Month 59",{"$f":"'Retention Curves'!I61","v":8.8656738749999991E-2},null,{"$f":"(B61-B62)*C51*(1/12)","v":1.6217835748871356E-3},-1.6217835748871356E-3]
["Month 60",{"$f":"'Retention Curves'!I62","v":8.8213455056249987E-2},{"$f":"B63*$K$4","v":19.657486324734748},{"$f":"(B62-B63)*C51*(0/12)","v":0},19.657486324734748]
["Month 61",{"$f":"'Retention Curves'!I63","v":8.7772387780968741E-2},null,{"$f":"(B63-B64)*C63*(11/12)","v":7.9477511044516759E-3},-7.9477511044516759E-3]
["Month 62",{"$f":"'Retention Curves'!I64","v":0.04},null,{"$f":"(B64-B65)*C63*(10/12)","v":0.78257088292026533},-0.78257088292026533]
["Month 63",{"$f":"'Retention Curves'!I65","v":3.9800000000000002E-2},null,{"$f":"(B65-B66)*C63*(9/12)","v":2.9486229487101943E-3},-2.9486229487101943E-3]
["Month 64",{"$f":"'Retention Curves'!I66","v":3.9601000000000004E-2},null,{"$f":"(B66-B67)*C63*(8/12)","v":2.607893185748114E-3},-2.607893185748114E-3]
["Month 65",{"$f":"'Retention Curves'!I67","v":3.9402995000000003E-2},null,{"$f":"(B67-B68)*C63*(7/12)","v":2.2704970048419899E-3},{"$f":"C68-D68","v":-2.2704970048419899E-3}]
["Month 66",{"$f":"'Retention Curves'!I68","v":3.9205980025000003E-2},null,{"$f":"(B68-B69)*C63*(6/12)","v":1.9364095884152263E-3},-1.9364095884152263E-3]
["Month 67",{"$f":"'Retention Curves'!I69","v":3.9009950124875001E-2},null,{"$f":"(B69-B70)*C63*(5/12)","v":1.6056062837276493E-3},-1.6056062837276493E-3]
["Month 68",{"$f":"'Retention Curves'!I70","v":3.8814900374250623E-2},null,{"$f":"(B70-B71)*C63*(4/12)","v":1.27806260184721E-3},-1.27806260184721E-3]
["Month 69",{"$f":"'Retention Curves'!I71","v":3.8620825872379368E-2},null,{"$f":"(B71-B72)*C63*(3/12)","v":9.5375421662847733E-4},-9.5375421662847733E-4]
["Month 70",{"$f":"'Retention Curves'!I72","v":3.8427721743017472E-2},null,{"$f":"(B72-B73)*C63*(2/12)","v":6.3265696369687902E-4},-6.3265696369687902E-4]
["Month 71",{"$f":"'Retention Curves'!I73","v":3.8235583134302385E-2},null,{"$f":"(B73-B74)*C63*(1/12)","v":3.1474683943919814E-4},-3.1474683943919814E-4]
["Month 72",{"$f":"'Retention Curves'!I74","v":3.8044405218630874E-2},{"$f":"B75*$K$4","v":8.4778152589197049},{"$f":"(B74-B75)*C63*(0/12)","v":0},8.4778152589197049]
["Month 73",{"$f":"'Retention Curves'!I75","v":3.7854183192537721E-2},null,{"$f":"(B75-B76)*C75*(11/12)","v":1.4782782624455527E-3},-1.4782782624455527E-3]
["Month 74",{"$f":"'Retention Curves'!I76","v":3.7664912276575035E-2},null,{"$f":"(B76-B77)*C75*(10/12)","v":1.3371698828484736E-3},-1.3371698828484736E-3]
["Month 75",{"$f":"'Retention Curves'!I77","v":3.7476587715192161E-2},null,{"$f":"(B77-B78)*C75*(9/12)","v":1.1974356300908195E-3},-1.1974356300908195E-3]
["Month 76",{"$f":"'Retention Curves'!I78","v":3.7289204776616201E-2},null,{"$f":"(B78-B79)*C75*(8/12)","v":1.0590652906136574E-3},-1.0590652906136574E-3]
["Month 77",{"$f":"'Retention Curves'!I79","v":3.7102758752733118E-2},null,{"$f":"(B79-B80)*C75*(7/12)","v":9.2204871864052932E-4},-9.2204871864052932E-4]
["Month 78",{"$f":"'Retention Curves'!I80","v":3.6917244958969454E-2},null,{"$f":"(B80-B81)*C75*(6/12)","v":7.863758357548377E-4},-7.863758357548377E-4]
["Month 79",{"$f":"'Retention Curves'!I81","v":3.6732658734174604E-2},null,{"$f":"(B81-B82)*C75*(5/12)","v":6.5203663048006707E-4},-6.5203663048006707E-4]
["Month 80",{"$f":"'Retention Curves'!I82","v":3.6548995440503732E-2},null,{"$f":"(B82-B83)*C75*(4/12)","v":5.1902115786212576E-4},-5.1902115786212576E-4]
["Month 81",{"$f":"'Retention Curves'!I83","v":3.6366250463301213E-2},null,{"$f":"(B83-B84)*C75*(3/12)","v":3.8731953905461199E-4},-3.8731953905461199E-4]
["Month 82",{"$f":"'Retention Curves'!I84","v":3.6184419210984704E-2},null,{"$f":"(B84-B85)*C75*(2/12)","v":2.5692196090622884E-4},-2.5692196090622884E-4]
["Month 83",{"$f":"'Retention Curves'!I85","v":3.6003497114929783E-2},null,{"$f":"(B85-B86)*C75*(1/12)","v":1.2781867555084546E-4},-1.2781867555084546E-4]
["Month 84",{"$f":"'Retention Curves'!I86","v":3.5823479629355136E-2},{"$f":"B87*$K$4","v":7.9829042006054989},{"$f":"(B86-B87)*C75*(0/12)","v":0},7.9829042006054989]
["Month 85",{"$f":"'Retention Curves'!I87","v":3.5644362231208357E-2},null,{"$f":"(B87-B88)*C87*(11/12)","v":1.3107206108951615E-3},-1.3107206108951615E-3]
["Month 86",{"$f":"'Retention Curves'!I88","v":3.5466140420052313E-2},null,{"$f":"(B88-B89)*C87*(10/12)","v":1.1856063707642553E-3},-1.1856063707642553E-3]
["Month 87",{"$f":"'Retention Curves'!I89","v":3.5288809717952049E-2},null,{"$f":"(B89-B90)*C87*(9/12)","v":1.061710505019385E-3},-1.061710505019385E-3]
["Month 88",{"$f":"'Retention Curves'!I90","v":3.5112365669362287E-2},null,{"$f":"(B90-B91)*C87*(8/12)","v":9.3902395777270098E-4},-9.3902395777270098E-4]
["Month 89",{"$f":"'Retention Curves'!I91","v":3.4936803841015475E-2},null,{"$f":"(B91-B92)*C87*(7/12)","v":8.1753773323585454E-4},-8.1753773323585454E-4]
["Month 90",{"$f":"'Retention Curves'!I92","v":3.4762119821810399E-2},null,{"$f":"(B92-B93)*C87*(6/12)","v":6.9724289534542794E-4},-6.9724289534542794E-4]
["Month 91",{"$f":"'Retention Curves'!I93","v":3.4588309222701348E-2},null,{"$f":"(B93-B94)*C87*(5/12)","v":5.7813056739058238E-4},-5.7813056739058238E-4]
["Month 92",{"$f":"'Retention Curves'!I94","v":3.4415367676587844E-2},null,{"$f":"(B94-B95)*C87*(4/12)","v":4.6019193164290148E-4},-4.6019193164290148E-4]
["Month 93",{"$f":"'Retention Curves'!I95","v":3.4243290838204904E-2},null,{"$f":"(B95-B96)*C87*(3/12)","v":3.4341822898852059E-4},-3.4341822898852059E-4]
["Month 94",{"$f":"'Retention Curves'!I96","v":3.4072074384013877E-2},null,{"$f":"(B96-B97)*C87*(2/12)","v":2.2780075856238788E-4},-2.2780075856238788E-4]
["Month 95",{"$f":"'Retention Curves'!I97","v":3.3901714012093805E-2},null,{"$f":"(B97-B98)*C87*(1/12)","v":1.1333087738478847E-4},-1.1333087738478847E-4]
["Month 96",{"$f":"'Retention Curves'!I98","v":3.3732205442033335E-2},{"$f":"B99*$K$4","v":7.5168846607027087},{"$f":"(B98-B99)*C87*(0/12)","v":0},7.5168846607027087]
["Month 97",{"$f":"'Retention Curves'!I99","v":3.356354441482317E-2},null,{"$f":"(B99-B100)*C99*(11/12)","v":1.1621550309365816E-3},-1.1621550309365816E-3]
["Month 98",{"$f":"'Retention Curves'!I100","v":3.3395726692749053E-2},null,{"$f":"(B100-B101)*C99*(10/12)","v":1.0512220507108302E-3},-1.0512220507108302E-3]
["Month 99",{"$f":"'Retention Curves'!I101","v":3.3228748059285308E-2},null,{"$f":"(B101-B102)*C99*(9/12)","v":9.4136934641154317E-4},-9.4136934641154317E-4]
["Month 100",{"$f":"'Retention Curves'!I102","v":3.3062604318988879E-2},null,{"$f":"(B102-B103)*C99*(8/12)","v":8.3258888860400038E-4},-8.3258888860400038E-4]
["Month 101",{"$f":"'Retention Curves'!I103","v":3.2897291297393938E-2},null,{"$f":"(B103-B104)*C99*(7/12)","v":7.2487270114083451E-4},-7.2487270114083451E-4]
["Month 102",{"$f":"'Retention Curves'!I104","v":3.2732804840906966E-2},null,{"$f":"(B104-B105)*C99*(6/12)","v":6.1821286083013031E-4},-6.1821286083013031E-4]
["Month 103",{"$f":"'Retention Curves'!I105","v":2.7951721733358807E-2},null,{"$f":"(B105-B106)*C99*(5/12)","v":1.4974520946947335E-2},-1.4974520946947335E-2]
["Month 104",{"$f":"'Retention Curves'!I106","v":0.02},null,{"$f":"(B106-B107)*C99*(4/12)","v":1.9924058374553719E-2},-1.9924058374553719E-2]
["Month 105",{"$f":"'Retention Curves'!I107","v":0.02},null,{"$f":"(B107-B108)*C99*(3/12)","v":0},0]
["Month 106",{"$f":"'Retention Curves'!I108","v":0.02},null,{"$f":"(B108-B109)*C99*(2/12)","v":0},0]
["Month 107",{"$f":"'Retention Curves'!I109","v":0.02},null,{"$f":"(B109-B110)*C99*(1/12)","v":0},0]
["Month 108",{"$f":"'Retention Curves'!I110","v":0.02},{"$f":"B111*$K$4","v":4.4568000000000003},{"$f":"(B110-B111)*C99*(0/12)","v":0},4.4568000000000003]
["Month 109",{"$f":"'Retention Curves'!I111","v":0.02},null,{"$f":"(B111-B112)*C111*(11/12)","v":0},0]
["Month 110",{"$f":"'Retention Curves'!I112","v":0.02},null,{"$f":"(B112-B113)*C111*(10/12)","v":0},0]
["Month 111",{"$f":"'Retention Curves'!I113","v":0.02},null,{"$f":"(B113-B114)*C111*(9/12)","v":0},0]
["Month 112",{"$f":"'Retention Curves'!I114","v":0.02},null,{"$f":"(B114-B115)*C111*(8/12)","v":0},0]
["Month 113",{"$f":"'Retention Curves'!I115","v":0.01},null,{"$f":"(B115-B116)*C111*(7/12)","v":2.5998000000000004E-2},-2.5998000000000004E-2]
["Month 114",{"$f":"'Retention Curves'!I116","v":0.01},null,{"$f":"(B116-B117)*C111*(6/12)","v":0},0]
["Month 115",{"$f":"'Retention Curves'!I117","v":0.01},null,{"$f":"(B117-B118)*C111*(5/12)","v":0},0]
["Month 116",{"$f":"'Retention Curves'!I118","v":0.01},null,{"$f":"(B118-B119)*C111*(4/12)","v":0},0]
["Month 117",{"$f":"'Retention Curves'!I119","v":0.01},null,{"$f":"(B119-B120)*C111*(3/12)","v":0},0]
["Month 118",{"$f":"'Retention Curves'!I120","v":0.01},null,{"$f":"(B120-B121)*C111*(2/12)","v":0},0]
["Month 119",{"$f":"'Retention Curves'!I121","v":0.01},null,{"$f":"(B121-B122)*C111*(1/12)","v":0},0]
["Month 120",{"$f":"'Retention Curves'!I122","v":0.01},{"$f":"B123*$K$4","v":2.2284000000000002},{"$f":"(B122-B123)*C111*(0/12)","v":0},2.2284000000000002]

{"sheet":"6TRV","index":15,"n_rows":123,"n_cols":12,"rows_kept":123,"cut":false,"hidden":false,"merged":[]}
[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"B3*J4","v":109.35},null,{"$f":"C3-D3","v":109.35},"Year 0",{"$f":"E3","v":109.35},null,null,"New Commission","Renewal Commission"]
["Month 1",{"$f":"'Retention Curves'!I3","v":0.97626510219936247},null,{"$f":"(B3-B4)*C3*(5/6)","v":2.1628425620830956},{"$f":"C4-D4","v":-2.1628425620830956},"Year 1",{"$f":"SUM(E4:E15)","v":103.15884575617034},null,null,109.35,87.47999999999999,253.74999999999997]
["Month 2",{"$f":"'Retention Curves'!I4","v":0.93433648806938374},null,{"$f":"(B4-B5)*C3*(4/6)","v":3.056595970075449},-3.056595970075449,"Year 2",{"$f":"SUM(E16:E27)","v":74.557025585169654}]
["Month 3",{"$f":"'Retention Curves'!I5","v":0.88154806201156077},null,{"$f":"(B5-B6)*C3*(3/6)","v":2.8862071947114707},-2.8862071947114707,"Year 3",{"$f":"SUM(E28:E39)","v":55.833449686019058}]
["Month 4",{"$f":"'Retention Curves'!I6","v":0.8367916045836169},null,{"$f":"(B6-B7)*C3*(2/6)","v":1.6313728732485542},-1.6313728732485542,"Year 4",{"$f":"SUM(E40:E51)","v":37.739535364965619}]
["Month 5",{"$f":"'Retention Curves'!I7","v":0.79935308382046211},null,{"$f":"(B7-B8)*C3*(1/6)","v":0.68231704090849599},-0.68231704090849599,"Year 5",{"$f":"SUM(E52:E63)","v":18.681022071568119}]
["Month 6",{"$f":"'Retention Curves'!I8","v":0.76602749380410562},{"$f":"B9*$K$4","v":67.012085157983151},null,67.012085157983151,"Year 6",{"$f":"SUM(E64:E75)","v":6.5060491517982122}]
["Month 7",{"$f":"'Retention Curves'!I9","v":0.71643022061943007},null,{"$f":"(B9-B10)*C9*(5/6)","v":2.7696805785460272},-2.7696805785460272,"Year 7",{"$f":"SUM(E76:E87)","v":6.3603059780783688}]
["Month 8",{"$f":"'Retention Curves'!I10","v":0.67870626211169338},null,{"$f":"(B10-B11)*C9*(4/6)","v":1.6853074133444492},-1.6853074133444492,"Year 8",{"$f":"SUM(E88:E99)","v":5.9891769676763467}]
["Month 9",{"$f":"'Retention Curves'!I11","v":0.6569701934680402},null,{"$f":"(B11-B12)*C9*(3/6)","v":0.72828964147412723},-0.72828964147412723,"Year 9",{"$f":"SUM(E100:E111)","v":4.5852414012063409}]
["Month 10",{"$f":"'Retention Curves'!I12","v":0.6377327006885174},null,{"$f":"(B12-B13)*C9*(2/6)","v":0.42971483478915601},-0.42971483478915601,"Year 10",{"$f":"SUM(E112:E123)","v":1.7466839999999997}]
["Month 11",{"$f":"'Retention Curves'!I13","v":0.61906616462709574},null,{"$f":"(B13-B14)*C9*(1/6)","v":0.20848058402542524},-0.20848058402542524,"Discount Rate",0]
["Month 12",{"$f":"'Retention Curves'!I14","v":0.59885195806348235},{"$f":"B15*$K$4","v":52.387569291393433},null,52.387569291393433,"NPV",{"$f":"NPV(G14,G4:G13)+G3","v":424.50733596265218}]
["Month 13",{"$f":"'Retention Curves'!I15","v":0.56690833599909973},null,{"$f":"(B15-B16)*C15*(5/6)","v":1.3945405952632737},-1.3945405952632737]
["Month 14",{"$f":"'Retention Curves'!I16","v":0.54246294047186117},null,{"$f":"(B16-B17)*C15*(4/6)","v":0.85375656802581967},-0.85375656802581967]
["Month 15",{"$f":"'Retention Curves'!I17","v":0.52803773734374859},null,{"$f":"(B17-B18)*C15*(3/6)","v":0.3778506642082114},-0.3778506642082114]
["Month 16",{"$f":"'Retention Curves'!I18","v":0.51515820314927063},null,{"$f":"(B18-B19)*C15*(2/6)","v":0.22490916335136171},-0.22490916335136171]
["Month 17",{"$f":"'Retention Curves'!I19","v":0.50283935280801739},null,{"$f":"(B19-B20)*C15*(1/6)","v":0.10755910430711829},-0.10755910430711829]
["Month 18",{"$f":"'Retention Curves'!I20","v":0.49059314947543953},{"$f":"B21*$K$4","v":42.917088716111444},null,42.917088716111444]
["Month 19",{"$f":"'Retention Curves'!I21","v":0.47095262875186022},null,{"$f":"(B21-B22)*C21*(5/6)","v":0.70242830860373184},-0.70242830860373184]
["Month 20",{"$f":"'Retention Curves'!I22","v":0.4547644225782696},null,{"$f":"(B22-B23)*C21*(4/6)","v":0.4631671203377945},-0.4631671203377945]
["Month 21",{"$f":"'Retention Curves'!I23","v":0.44445461628663469},null,{"$f":"(B23-B24)*C21*(3/6)","v":0.22123343563200978},-0.22123343563200978]
["Month 22",{"$f":"'Retention Curves'!I24","v":0.43542694927223091},null,{"$f":"(B24-B25)*C21*(2/6)","v":0.12914706205222654},-0.12914706205222654]
["Month 23",{"$f":"'Retention Curves'!I25","v":0.42547381624299396},null,{"$f":"(B25-B26)*C21*(1/6)","v":7.1193248869836856E-2},-7.1193248869836856E-2]
["Month 24",{"$f":"'Retention Curves'!I26","v":0.41364565774702322},{"$f":"B27*$K$4","v":36.18572213970959},null,36.18572213970959]
["Month 25",{"$f":"'Retention Curves'!I27","v":0.39487268455684599},null,{"$f":"(B27-B28)*C27*(5/6)","v":0.56609465966330919},-0.56609465966330919]
["Month 26",{"$f":"'Retention Curves'!I28","v":0.38071813478587663},null,{"$f":"(B28-B29)*C27*(4/6)","v":0.34146173668332486},-0.34146173668332486]
["Month 27",{"$f":"'Retention Curves'!I29","v":0.37367480202164821},null,{"$f":"(B29-B30)*C27*(3/6)","v":0.12743404117194107},-0.12743404117194107]
["Month 28",{"$f":"'Retention Curves'!I30","v":0.36675174939367122},null,{"$f":"(B30-B31)*C27*(2/6)","v":8.3505219584853865E-2},-8.3505219584853865E-2]
["Month 29",{"$f":"'Retention Curves'!I31","v":0.35956346485146906},null,{"$f":"(B31-B32)*C27*(1/6)","v":4.3352211184216158E-2},-4.3352211184216158E-2]
["Month 30",{"$f":"'Retention Curves'!I32","v":0.35176722780998698},{"$f":"B33*$K$4","v":30.772597088817658},null,30.772597088817658]
["Month 31",{"$f":"'Retention Curves'!I33","v":0.33959748355906122},null,{"$f":"(B33-B34)*C33*(5/6)","v":0.31207886375641131},-0.31207886375641131]
["Month 32",{"$f":"'Retention Curves'!I34","v":0.33099402866242067},null,{"$f":"(B34-B35)*C33*(4/6)","v":0.17650043407075666},-0.17650043407075666]
["Month 33",{"$f":"'Retention Curves'!I35","v":0.32527585939649184},null,{"$f":"(B35-B36)*C33*(3/6)","v":8.7981459453044059E-2},-8.7981459453044059E-2]
["Month 34",{"$f":"'Retention Curves'!I36","v":0.32023347068882096},null,{"$f":"(B36-B37)*C33*(2/6)","v":5.1722465355453259E-2},-5.1722465355453259E-2]
["Month 35",{"$f":"'Retention Curves'!I37","v":0.31449431693673913},null,{"$f":"(B37-B38)*C33*(1/6)","v":2.9434777673931753E-2},-2.9434777673931753E-2]
["Month 36",{"$f":"'Retention Curves'!I38","v":0.30727501675581442},{"$f":"B39*$K$4","v":26.880418465798641},null,26.880418465798641]
["Month 37",{"$f":"'Retention Curves'!I39","v":0.31207960099900001},null,{"$f":"(B39-B40)*C39*(5/6)","v":-0.10762436250917579},0.10762436250917579]
["Month 38",{"$f":"'Retention Curves'!I40","v":0.26},null,{"$f":"(B40-B41)*C39*(4/6)","v":0.93328097892329653},-0.93328097892329653]
["Month 39",{"$f":"'Retention Curves'!I41","v":0.25869999999999999},null,{"$f":"(B41-B42)*C39*(3/6)","v":1.7472272002769431E-2},-1.7472272002769431E-2]
["Month 40",{"$f":"'Retention Curves'!I42","v":0.25740649999999998},null,{"$f":"(B42-B43)*C39*(2/6)","v":1.158994042850354E-2},-1.158994042850354E-2]
["Month 41",{"$f":"'Retention Curves'!I43","v":0.25611946749999998},null,{"$f":"(B43-B44)*C39*(1/6)","v":5.7659953631805302E-3},-5.7659953631805302E-3]
["Month 42",{"$f":"'Retention Curves'!I44","v":0.25483887016249995},{"$f":"B45*$K$4","v":22.293304361815494},null,22.293304361815494]
["Month 43",{"$f":"'Retention Curves'!I45","v":0.25356467581168746},null,{"$f":"(B45-B46)*C45*(5/6)","v":2.3671668732307409E-2},-2.3671668732307409E-2]
["Month 44",{"$f":"'Retention Curves'!I46","v":0.2},null,{"$f":"(B46-B47)*C45*(4/6)","v":0.7960890806079497},-0.7960890806079497]
["Month 45",{"$f":"'Retention Curves'!I47","v":0.19900000000000001},null,{"$f":"(B47-B48)*C45*(3/6)","v":1.1146652180907757E-2},-1.1146652180907757E-2]
["Month 46",{"$f":"'Retention Curves'!I48","v":0.19800500000000001},null,{"$f":"(B48-B49)*C45*(2/6)","v":7.3939459466687745E-3},-7.3939459466687745E-3]
["Month 47",{"$f":"'Retention Curves'!I49","v":0.19701497500000001},null,{"$f":"(B49-B50)*C45*(1/6)","v":3.678488108467751E-3},-3.678488108467751E-3]
["Month 48",{"$f":"'Retention Curves'!I50","v":0.19602990012500002},{"$f":"B51*$K$4","v":17.148695662935001},null,17.148695662935001]
["Month 49",{"$f":"'Retention Curves'!I51","v":0.19504975062437502},null,{"$f":"(B51-B52)*C51*(5/6)","v":1.4006904575329862E-2},-1.4006904575329862E-2]
["Month 50",{"$f":"'Retention Curves'!I52","v":0.14000000000000001},null,{"$f":"(B52-B53)*C51*(4/6)","v":0.62935427985191528},-0.62935427985191528]
["Month 51",{"$f":"'Retention Curves'!I53","v":0.13930000000000001},null,{"$f":"(B53-B54)*C51*(3/6)","v":6.0020434820273029E-3},-6.0020434820273029E-3]
["Month 52",{"$f":"'Retention Curves'!I54","v":0.13860350000000002},null,{"$f":"(B54-B55)*C51*(2/6)","v":3.9813555097446785E-3},-3.9813555097446785E-3]
["Month 53",{"$f":"'Retention Curves'!I55","v":0.13791048250000001},null,{"$f":"(B55-B56)*C51*(1/6)","v":1.9807243660980205E-3},-1.9807243660980205E-3]
["Month 54",{"$f":"'Retention Curves'!I56","v":0.13722093008750003},{"$f":"B57*$K$4","v":12.004086964054501},null,12.004086964054501]
["Month 55",{"$f":"'Retention Curves'!I57","v":0.13653482543706252},null,{"$f":"(B57-B58)*C57*(5/6)","v":6.8633832419116598E-3},-6.8633832419116598E-3]
["Month 56",{"$f":"'Retention Curves'!I58","v":0.09},null,{"$f":"(B58-B59)*C57*(4/6)","v":0.37240539426906272},-0.37240539426906272]
["Month 57",{"$f":"'Retention Curves'!I59","v":8.9549999999999991E-2},null,{"$f":"(B59-B60)*C57*(3/6)","v":2.7009195669122983E-3},-2.7009195669122983E-3]
["Month 58",{"$f":"'Retention Curves'!I60","v":8.9102249999999994E-2},null,{"$f":"(B60-B61)*C57*(2/6)","v":1.7916099793851214E-3},-1.7916099793851214E-3]
["Month 59",{"$f":"'Retention Curves'!I61","v":8.8656738749999991E-2},null,{"$f":"(B61-B62)*C57*(1/6)","v":8.9132596474410914E-4},-8.9132596474410914E-4]
["Month 60",{"$f":"'Retention Curves'!I62","v":8.8213455056249987E-2},{"$f":"B63*$K$4","v":7.7169130483207482},null,7.7169130483207482]
["Month 61",{"$f":"'Retention Curves'!I63","v":8.7772387780968741E-2},null,{"$f":"(B63-B64)*C63*(5/6)","v":2.8363981765042695E-3},-2.8363981765042695E-3]
["Month 62",{"$f":"'Retention Curves'!I64","v":0.04},null,{"$f":"(B64-B65)*C63*(4/6)","v":0.24577024174426423},-0.24577024174426423]
["Month 63",{"$f":"'Retention Curves'!I65","v":3.9800000000000002E-2},null,{"$f":"(B65-B66)*C63*(3/6)","v":7.716913048320702E-4},-7.716913048320702E-4]
["Month 64",{"$f":"'Retention Curves'!I66","v":3.9601000000000004E-2},null,{"$f":"(B66-B67)*C63*(2/6)","v":5.1188856553860385E-4},-5.1188856553860385E-4]
["Month 65",{"$f":"'Retention Curves'!I67","v":3.9402995000000003E-2},null,{"$f":"(B67-B68)*C63*(1/6)","v":2.5466456135545966E-4},{"$f":"C68-D68","v":-2.5466456135545966E-4}]
["Month 66",{"$f":"'Retention Curves'!I68","v":3.9205980025000003E-2},{"$f":"B69*$K$4","v":3.4297391325869997},null,3.4297391325869997]
["Month 67",{"$f":"'Retention Curves'!I69","v":3.9009950124875001E-2},null,{"$f":"(B69-B70)*C69*(5/6)","v":5.6027618301320232E-4},-5.6027618301320232E-4]
["Month 68",{"$f":"'Retention Curves'!I70","v":3.8814900374250623E-2},null,{"$f":"(B70-B71)*C69*(4/6)","v":4.4597984167850949E-4},-4.4597984167850949E-4]
["Month 69",{"$f":"'Retention Curves'!I71","v":3.8620825872379368E-2},null,{"$f":"(B71-B72)*C69*(3/6)","v":3.3281245685258662E-4},-3.3281245685258662E-4]
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["Month 71",{"$f":"'Retention Curves'!I73","v":3.8235583134302385E-2},null,{"$f":"(B73-B74)*C69*(1/6)","v":1.0983088419849239E-4},-1.0983088419849239E-4]
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["Month 73",{"$f":"'Retention Curves'!I75","v":3.7854183192537721E-2},null,{"$f":"(B75-B76)*C75*(5/6)","v":5.2756883209615106E-4},-5.2756883209615106E-4]
["Month 74",{"$f":"'Retention Curves'!I76","v":3.7664912276575035E-2},null,{"$f":"(B76-B77)*C75*(4/6)","v":4.1994479034853499E-4},-4.1994479034853499E-4]
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["Month 76",{"$f":"'Retention Curves'!I78","v":3.7289204776616201E-2},null,{"$f":"(B78-B79)*C75*(2/6)","v":2.0787792053240605E-4},-2.0787792053240605E-4]
["Month 77",{"$f":"'Retention Curves'!I79","v":3.7102758752733118E-2},null,{"$f":"(B79-B80)*C75*(1/6)","v":1.0341926546487356E-4},-1.0341926546487356E-4]
["Month 78",{"$f":"'Retention Curves'!I80","v":3.6917244958969454E-2},{"$f":"B81*$K$4","v":3.2295205890106473},null,3.2295205890106473]
["Month 79",{"$f":"'Retention Curves'!I81","v":3.6732658734174604E-2},null,{"$f":"(B81-B82)*C81*(5/6)","v":4.967708445189294E-4},-4.967708445189294E-4]
["Month 80",{"$f":"'Retention Curves'!I82","v":3.6548995440503732E-2},null,{"$f":"(B82-B83)*C81*(4/6)","v":3.95429592237062E-4},-3.95429592237062E-4]
["Month 81",{"$f":"'Retention Curves'!I83","v":3.6366250463301213E-2},null,{"$f":"(B83-B84)*C81*(3/6)","v":2.9508933320690804E-4},-2.9508933320690804E-4]
["Month 82",{"$f":"'Retention Curves'!I84","v":3.6184419210984704E-2},null,{"$f":"(B84-B85)*C81*(2/6)","v":1.957425910272512E-4},-1.957425910272512E-4]
["Month 83",{"$f":"'Retention Curves'!I85","v":3.6003497114929783E-2},null,{"$f":"(B85-B86)*C81*(1/6)","v":9.7381939036054883E-5},-9.7381939036054883E-5]
["Month 84",{"$f":"'Retention Curves'!I86","v":3.5823479629355136E-2},{"$f":"B87*$K$4","v":3.1338379979759869},null,3.1338379979759869]
["Month 85",{"$f":"'Retention Curves'!I87","v":3.5644362231208357E-2},null,{"$f":"(B87-B88)*C87*(5/6)","v":4.6777075700914114E-4},-4.6777075700914114E-4]
["Month 86",{"$f":"'Retention Curves'!I88","v":3.5466140420052313E-2},null,{"$f":"(B88-B89)*C87*(4/6)","v":3.7234552257927494E-4},-3.7234552257927494E-4]
["Month 87",{"$f":"'Retention Curves'!I89","v":3.5288809717952049E-2},null,{"$f":"(B89-B90)*C87*(3/6)","v":2.778628462247825E-4},-2.778628462247825E-4]
["Month 88",{"$f":"'Retention Curves'!I90","v":3.5112365669362287E-2},null,{"$f":"(B90-B91)*C87*(2/6)","v":1.8431568799577247E-4},-1.8431568799577247E-4]
["Month 89",{"$f":"'Retention Curves'!I91","v":3.4936803841015475E-2},null,{"$f":"(B91-B92)*C87*(1/6)","v":9.1697054777896425E-5},-9.1697054777896425E-5]
["Month 90",{"$f":"'Retention Curves'!I92","v":3.4762119821810399E-2},{"$f":"B93*$K$4","v":3.0409902420119734},null,3.0409902420119734]
["Month 91",{"$f":"'Retention Curves'!I93","v":3.4588309222701348E-2},null,{"$f":"(B93-B94)*C93*(5/6)","v":4.4046361320739799E-4},-4.4046361320739799E-4]
["Month 92",{"$f":"'Retention Curves'!I94","v":3.4415367676587844E-2},null,{"$f":"(B94-B95)*C93*(4/6)","v":3.5060903611308723E-4},-3.5060903611308723E-4]
["Month 93",{"$f":"'Retention Curves'!I95","v":3.4243290838204904E-2},null,{"$f":"(B95-B96)*C93*(3/6)","v":2.6164199319939541E-4},-2.6164199319939541E-4]
["Month 94",{"$f":"'Retention Curves'!I96","v":3.4072074384013877E-2},null,{"$f":"(B96-B97)*C93*(2/6)","v":1.7355585548893424E-4},-1.7355585548893424E-4]
["Month 95",{"$f":"'Retention Curves'!I97","v":3.3901714012093805E-2},null,{"$f":"(B97-B98)*C93*(1/6)","v":8.6344038105745161E-5},-8.6344038105745161E-5]
["Month 96",{"$f":"'Retention Curves'!I98","v":3.3732205442033335E-2},{"$f":"B99*$K$4","v":2.9508933320690756},null,2.9508933320690756]
["Month 97",{"$f":"'Retention Curves'!I99","v":3.356354441482317E-2},null,{"$f":"(B99-B100)*C99*(5/6)","v":4.1475058381199779E-4},-4.1475058381199779E-4]
["Month 98",{"$f":"'Retention Curves'!I100","v":3.3395726692749053E-2},null,{"$f":"(B100-B101)*C99*(4/6)","v":3.3014146471435429E-4},-3.3014146471435429E-4]
["Month 99",{"$f":"'Retention Curves'!I101","v":3.3228748059285308E-2},null,{"$f":"(B101-B102)*C99*(3/6)","v":2.4636806804308555E-4},-2.4636806804308555E-4]
["Month 100",{"$f":"'Retention Curves'!I102","v":3.3062604318988879E-2},null,{"$f":"(B102-B103)*C99*(2/6)","v":1.6342415180191602E-4},-1.6342415180191602E-4]
["Month 101",{"$f":"'Retention Curves'!I103","v":3.2897291297393938E-2},null,{"$f":"(B103-B104)*C99*(1/6)","v":8.1303515521450605E-5},-8.1303515521450605E-5]
["Month 102",{"$f":"'Retention Curves'!I104","v":3.2732804840906966E-2},{"$f":"B105*$K$4","v":2.8634657674825412},null,2.8634657674825412]
["Month 103",{"$f":"'Retention Curves'!I105","v":2.7951721733358807E-2},null,{"$f":"(B105-B106)*C105*(5/6)","v":1.1408723174961005E-2},-1.1408723174961005E-2]
["Month 104",{"$f":"'Retention Curves'!I106","v":0.02},null,{"$f":"(B106-B107)*C105*(4/6)","v":1.5179655317346583E-2},-1.5179655317346583E-2]
["Month 105",{"$f":"'Retention Curves'!I107","v":0.02},null,{"$f":"(B107-B108)*C105*(3/6)","v":0},0]
["Month 106",{"$f":"'Retention Curves'!I108","v":0.02},null,{"$f":"(B108-B109)*C105*(2/6)","v":0},0]
["Month 107",{"$f":"'Retention Curves'!I109","v":0.02},null,{"$f":"(B109-B110)*C105*(1/6)","v":0},0]
["Month 108",{"$f":"'Retention Curves'!I110","v":0.02},{"$f":"B111*$K$4","v":1.7495999999999998},null,1.7495999999999998]
["Month 109",{"$f":"'Retention Curves'!I111","v":0.02},null,{"$f":"(B111-B112)*C111*(5/6)","v":0},0]
["Month 110",{"$f":"'Retention Curves'!I112","v":0.02},null,{"$f":"(B112-B113)*C111*(4/6)","v":0},0]
["Month 111",{"$f":"'Retention Curves'!I113","v":0.02},null,{"$f":"(B113-B114)*C111*(3/6)","v":0},0]
["Month 112",{"$f":"'Retention Curves'!I114","v":0.02},null,{"$f":"(B114-B115)*C111*(2/6)","v":0},0]
["Month 113",{"$f":"'Retention Curves'!I115","v":0.01},null,{"$f":"(B115-B116)*C111*(1/6)","v":2.9159999999999993E-3},-2.9159999999999993E-3]
["Month 114",{"$f":"'Retention Curves'!I116","v":0.01},{"$f":"B117*$K$4","v":0.87479999999999991},null,0.87479999999999991]
["Month 115",{"$f":"'Retention Curves'!I117","v":0.01},null,{"$f":"(B117-B118)*C117*(5/6)","v":0},0]
["Month 116",{"$f":"'Retention Curves'!I118","v":0.01},null,{"$f":"(B118-B119)*C117*(4/6)","v":0},0]
["Month 117",{"$f":"'Retention Curves'!I119","v":0.01},null,{"$f":"(B119-B120)*C117*(3/6)","v":0},0]
["Month 118",{"$f":"'Retention Curves'!I120","v":0.01},null,{"$f":"(B120-B121)*C117*(2/6)","v":0},0]
["Month 119",{"$f":"'Retention Curves'!I121","v":0.01},null,{"$f":"(B121-B122)*C117*(1/6)","v":0},0]
["Month 120",{"$f":"'Retention Curves'!I122","v":0.01},{"$f":"B123*$K$4","v":0.87479999999999991},null,0.87479999999999991]

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[]
["Lifetime Value","Customer Left","Premium","Chargeback","Net"]
["Month 0",1,{"$f":"B3*J4","v":66.3},null,{"$f":"C3-D3","v":66.3},"Year 0",{"$f":"E3","v":66.3},null,null,"New Commission","Renewal Commission"]
["Month 1",{"$f":"'Retention Curves'!J3","v":0.97},null,{"$f":"(B3-B4)*C3*(5/6)","v":1.6575000000000015},{"$f":"C4-D4","v":-1.6575000000000015},"Year 1",{"$f":"SUM(E4:E15)","v":93.673060000000021},null,null,66.3,61.88,253.74999999999997]
["Month 2",{"$f":"'Retention Curves'!J4","v":0.94},null,{"$f":"(B4-B5)*C3*(4/6)","v":1.326000000000001},-1.326000000000001,"Year 2",{"$f":"SUM(E16:E27)","v":77.70208486860399}]
["Month 3",{"$f":"'Retention Curves'!J5","v":0.91},null,{"$f":"(B5-B6)*C3*(3/6)","v":0.99449999999999716},-0.99449999999999716,"Year 3",{"$f":"SUM(E28:E39)","v":62.057724722623156}]
["Month 4",{"$f":"'Retention Curves'!J6","v":0.89},null,{"$f":"(B6-B7)*C3*(2/6)","v":0.44200000000000039},-0.44200000000000039,"Year 4",{"$f":"SUM(E40:E51)","v":46.731440412631692}]
["Month 5",{"$f":"'Retention Curves'!J7","v":0.88},null,{"$f":"(B7-B8)*C3*(1/6)","v":0.1105000000000001},-0.1105000000000001,"Year 5",{"$f":"SUM(E52:E63)","v":33.094597078377305}]
["Month 6",{"$f":"'Retention Curves'!J8","v":0.86},{"$f":"B9*$K$4","v":53.216799999999999},null,53.216799999999999,"Year 6",{"$f":"SUM(E64:E75)","v":19.224343846275282}]
["Month 7",{"$f":"'Retention Curves'!J9","v":0.82},null,{"$f":"(B9-B10)*C9*(5/6)","v":1.7738933333333349},-1.7738933333333349,"Year 7",{"$f":"SUM(E76:E87)","v":7.2933254334016206}]
["Month 8",{"$f":"'Retention Curves'!J10","v":0.81},null,{"$f":"(B10-B11)*C9*(4/6)","v":0.35477866666666302},-0.35477866666666302,"Year 8",{"$f":"SUM(E88:E99)","v":4.6131634855275134}]
["Month 9",{"$f":"'Retention Curves'!J11","v":0.8},null,{"$f":"(B11-B12)*C9*(3/6)","v":0.26608400000000021},-0.26608400000000021,"Year 9",{"$f":"SUM(E100:E111)","v":4.3439847464005457}]
["Month 10",{"$f":"'Retention Curves'!J12","v":0.79},null,{"$f":"(B12-B13)*C9*(2/6)","v":0.17738933333333345},-0.17738933333333345,"Year 10",{"$f":"SUM(E112:E123)","v":3.8047798683906278}]
["Month 11",{"$f":"'Retention Curves'!J13","v":0.78},null,{"$f":"(B13-B14)*C9*(1/6)","v":8.8694666666666727E-2},-8.8694666666666727E-2,"Discount Rate",0]
["Month 12",{"$f":"'Retention Curves'!J14","v":0.77},{"$f":"B15*$K$4","v":47.647600000000004},null,47.647600000000004,"NPV",{"$f":"NPV(G14,G4:G13)+G3","v":418.83850446223187}]
["Month 13",{"$f":"'Retention Curves'!J15","v":0.72},null,{"$f":"(B15-B16)*C15*(5/6)","v":1.9853166666666686},-1.9853166666666686]
["Month 14",{"$f":"'Retention Curves'!J16","v":0.70567500000000005},null,{"$f":"(B16-B17)*C15*(4/6)","v":0.45503457999999752},-0.45503457999999752]
["Month 15",{"$f":"'Retention Curves'!J17","v":0.70214662500000002},null,{"$f":"(B17-B18)*C15*(3/6)","v":8.4059300325000669E-2},-8.4059300325000669E-2]
["Month 16",{"$f":"'Retention Curves'!J18","v":0.69863589187499997},null,{"$f":"(B18-B19)*C15*(2/6)","v":5.5759335882250856E-2},-5.5759335882250856E-2]
["Month 17",{"$f":"'Retention Curves'!J19","v":0.69514271241562497},null,{"$f":"(B19-B20)*C15*(1/6)","v":2.7740269601419343E-2},-2.7740269601419343E-2]
["Month 18",{"$f":"'Retention Curves'!J20","v":0.69166699885354688},{"$f":"B21*$K$4","v":42.800353889057483},null,42.800353889057483]
["Month 19",{"$f":"'Retention Curves'!J21","v":0.65},null,{"$f":"(B21-B22)*C21*(5/6)","v":1.4861352470222984},-1.4861352470222984]
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[1,0.97,0.77059412550066753,0.9747561980176972,0.9747561980176972,0.97,0.93034213246387687,0.97626510219936247,0.97626510219936247,0.97,null,null,null,0.88,0.83653846153846156,0.81]
[2,0.94,0.6505006675567423,0.85253380752760111,0.85253380752760111,0.93,0.88772367847019051,0.93433648806938374,0.93433648806938374,0.94,null,null,null,0.63,0.83076923076923082,0.65]
[3,0.91,0.55607476635514019,0.70513769908234147,0.70513769908234147,0.89,0.78412391316543728,0.88154806201156077,0.88154806201156077,0.91,null,null,null,0.44,0.82,0.67]
[4,0.89,0.50075100133511352,0.59608458905564077,0.59608458905564077,0.85,0.71144921927295679,0.8367916045836169,0.8367916045836169,0.89,null,null,null,0.33,0.81,0.45]
[5,0.88,0.45205273698264353,0.52267942489617258,0.52267942489617258,0.78,0.66163191257687815,0.79935308382046211,0.79935308382046211,0.88,null,null,null,0.27,0.77,0.43]
[6,0.86,0.34779706275033379,0.46585285032399382,0.46585285032399382,0.74,0.62148874520685016,0.76602749380410562,0.76602749380410562,0.86,null,null,null,0.24,0.75,0.41]
[7,0.82,0.3313417890520694,0.39309447548639936,0.39309447548639936,0.68,0.52985371491074174,0.71643022061943007,0.71643022061943007,0.82,null,null,null,0.22,0.55000000000000004,0.4]
[8,0.81,0.30575767690253669,0.32830529664578328,0.32830529664578328,0.61999999999999966,0.50813346746716903,0.67870626211169338,0.67870626211169338,0.81,null,null,null,0.19,0.55000000000000004,0.39]
[9,0.8,0.28391188251001337,0.30110168084843381,0.30110168084843381,0.57999999999999963,0.48687537907878009,0.6569701934680402,0.6569701934680402,0.8,null,null,null,0.17,0.54,0.38]
[10,0.79,0.26408544726301736,0.27886187051404893,0.27886187051404893,0.53999999999999959,0.4683422115510823,0.6377327006885174,0.6377327006885174,0.79,null,null,null,0.16,0.53,0.37]
[11,0.78,0.24909879839786381,0.25960368334989481,0.25960368334989481,0.49999999999999961,0.44654099394289481,0.61906616462709574,0.61906616462709574,0.78,null,null,null,0.16,0.52,0.36]
[12,0.77,0.20766021361815754,0.24324436032887872,0.24324436032887872,0.45999999999999963,0.42748603680286967,0.59885195806348235,0.59885195806348235,0.77,null,null,null,0.15,0.51,0.35]
[13,0.72,0.20275367156208277,0.2208028855652503,0.2208028855652503,0.40683995257276195,0.38637294298393821,0.56690833599909973,0.56690833599909973,0.72,null,null,null,0.15,0.5,0.28999999999999998]
[14,0.70567500000000005,0.19307409879839788,0.20177025949653826,0.20177025949653826,0.38332144487545078,0.37377894712967646,0.54246294047186117,0.54246294047186117,0.70567500000000005,null,null,null,0.14000000000000001,0.4,0.28000000000000003]
[15,0.70214662500000002,0.18304405874499333,0.19149508681028282,0.19149508681028282,0.36991822102552752,0.36218393999873516,0.52803773734374859,0.52803773734374859,0.70214662500000002,null,null,null,0.14000000000000001,0.35,0.27]
[16,0.69863589187499997,0.17409879839786382,0.18199946267092995,0.18199946267092995,0.35641048417105026,0.35180919924685222,0.51515820314927063,0.51515820314927063,0.69863589187499997,null,null,null,0.13,0.34,0.26]
[17,0.69514271241562497,0.16508678237650201,0.17321553000147019,0.17321553000147019,0.34463773246363361,0.34157310248516642,0.50283935280801739,0.50283935280801739,0.69514271241562497,null,null,null,0.13,0.32,0.25]
[18,0.69166699885354688,0.16499298788872435,0.16499298788872435,0.16499298788872435,0.33505553600129506,0.33125595814125725,0.49059314947543953,0.49059314947543953,0.69166699885354688,null,null,null,0.12,0.31,0.24]
[19,0.65,0.15423139408111458,0.15423139408111458,0.15423139408111458,0.31861836803124327,0.30473701283004451,0.47095262875186022,0.47095262875186022,0.65,null,null,null,0.12,0.3,0.23]
[20,0.64675000000000005,0.14478940544870714,0.14478940544870714,0.14478940544870714,0.30527255614132603,0.29683024789829204,0.4547644225782696,0.4547644225782696,0.64675000000000005,null,null,null,0.11,0.25,0.22]
[21,0.64351625000000001,0.13936074195951717,0.13936074195951717,0.13936074195951717,0.29662069830735732,0.29026287132005252,0.44445461628663469,0.44445461628663469,0.64351625000000001,null,null,null,0.11,0.22,0.21]
[22,0.64029866874999997,0.13425131018098152,0.13425131018098152,0.13425131018098152,0.28986715067922908,0.28335129259791386,0.43542694927223091,0.43542694927223091,0.64029866874999997,null,null,null,0.1,0.21,0.2]
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[24,0.63391168952921872,0.1235516914977491,0.1235516914977491,0.1235516914977491,0.27369756431834069,0.26940661666401106,0.41364565774702322,0.41364565774702322,0.63391168952921872,null,null,null,0.1,0.16,0.19]
[25,0.57999999999999996,0.08,0.08,0.08,0.27674985551037978,0.25069826657384647,0.39487268455684599,0.39487268455684599,0.57999999999999996,null,null,null,0.09,0.14000000000000001,0.13]
[26,0.57709999999999995,7.0000000000000007E-2,7.0000000000000007E-2,7.0000000000000007E-2,0.26567986128996457,0.24388996006367383,0.38071813478587663,0.38071813478587663,0.57709999999999995,null,null,null,0.08,0.12,0.12]
[27,0.57421449999999996,7.0000000000000007E-2,7.0000000000000007E-2,7.0000000000000007E-2,0.25505266683836603,0.2375495189089715,0.37367480202164821,0.37367480202164821,0.57421449999999996,null,null,null,7.0000000000000007E-2,0.11,0.11]
[28,0.5713434275,7.0000000000000007E-2,7.0000000000000007E-2,7.0000000000000007E-2,0.24485056016483134,0.2329586128065736,0.36675174939367122,0.36675174939367122,0.5713434275,null,null,null,7.0000000000000007E-2,0.11,0.11]
[29,0.56848671036249998,7.0000000000000007E-2,7.0000000000000007E-2,7.0000000000000007E-2,0.23505653775823812,0.22721604485586563,0.35956346485146906,0.35956346485146906,0.56848671036249998,null,null,null,7.0000000000000007E-2,0.1,0.1]
[30,0.56564427681068752,0.05,0.05,0.05,0.22565427624790854,0.22186096468540206,0.35176722780998698,0.35176722780998698,0.56564427681068752,null,null,null,0.05,0.1,0.1]
[31,0.51,0.04,0.04,0.04,0.21662810519799219,0.20885610651155848,0.33959748355906122,0.33959748355906122,0.51,null,null,null,0.04,0.09,0.09]
[32,0.50744999999999996,0.03,0.03,0.03,0.20796298099007252,0.20483671136772452,0.33099402866242067,0.33099402866242067,0.50744999999999996,null,null,null,0.03,0.08,0.08]
[33,0.50491274999999991,2.9399999999999999E-2,2.9399999999999999E-2,2.9399999999999999E-2,0.1996444617504696,0.20046218843986405,0.32527585939649184,0.32527585939649184,0.50491274999999991,null,null,null,2.9399999999999999E-2,7.0000000000000007E-2,7.0000000000000007E-2]
[34,0.50238818624999992,2.8811999999999997E-2,2.8811999999999997E-2,2.8811999999999997E-2,0.19165868328045083,0.19714812558306705,0.32023347068882096,0.32023347068882096,0.50238818624999992,null,null,null,2.8811999999999997E-2,7.0000000000000007E-2,7.0000000000000007E-2]
[35,0.49987624531874991,2.8235759999999995E-2,2.8235759999999995E-2,2.8235759999999995E-2,0.18399233594923278,0.19304479094597193,0.31449431693673913,0.31449431693673913,0.49987624531874991,null,null,null,2.8235759999999995E-2,0.05,0.05]
[36,0.49737686409215615,2.7671044799999996E-2,2.7671044799999996E-2,2.7671044799999996E-2,0.17663264251126348,0.18909757190967824,0.30727501675581442,0.30727501675581442,0.49737686409215615,null,null,null,2.7671044799999996E-2,0.04,0.04]
[37,0.44,2.7117623903999997E-2,2.7117623903999997E-2,2.7117623903999997E-2,0.1695673368108129,0.17703051196274044,0.31207960099900001,0.31207960099900001,0.44,null,null,null,2.7117623903999997E-2,2.7117623903999997E-2,2.7117623903999997E-2]
[38,0.43780000000000002,2.6575271425919995E-2,2.6575271425919995E-2,2.6575271425919995E-2,0.16278464333838039,0.17406962873578832,0.26,0.26,0.43780000000000002,null,null,null,2.6575271425919995E-2,2.6575271425919995E-2,2.6575271425919995E-2]
[39,0.43561100000000003,2.6043765997401595E-2,2.6043765997401595E-2,2.6043765997401595E-2,0.15627325760484517,0.17134053611064951,0.25869999999999999,0.25869999999999999,0.43561100000000003,null,null,null,2.6043765997401595E-2,2.6043765997401595E-2,2.6043765997401595E-2]
[40,0.43343294500000001,2.5522890677453561E-2,2.5522890677453561E-2,2.5522890677453561E-2,0.15002232730065138,0.16889393526211616,0.25740649999999998,0.25740649999999998,0.43343294500000001,null,null,null,2.5522890677453561E-2,2.5522890677453561E-2,2.5522890677453561E-2]
[41,0.43126578027500001,2.5012432863904491E-2,2.5012432863904491E-2,2.5012432863904491E-2,0.14402143420862532,0.16668542218514057,0.25611946749999998,0.25611946749999998,0.43126578027500001,null,null,null,2.5012432863904491E-2,2.5012432863904491E-2,2.5012432863904491E-2]
[42,0.42910945137362499,2.4512184206626399E-2,2.4512184206626399E-2,2.4512184206626399E-2,0.13826057684028031,0.16371273513526069,0.25483887016249995,0.25483887016249995,0.42910945137362499,null,null,null,2.4512184206626399E-2,2.4512184206626399E-2,2.4512184206626399E-2]
[43,0.38,2.402194052249387E-2,2.402194052249387E-2,2.402194052249387E-2,0.13273015376666908,0.15574311046228728,0.25356467581168746,0.25356467581168746,0.38,null,null,null,2.402194052249387E-2,2.402194052249387E-2,2.402194052249387E-2]
[44,0.37809999999999999,2.3541501712043993E-2,2.3541501712043993E-2,2.3541501712043993E-2,0.12742094761600234,0.1528979947603282,0.2,0.2,0.37809999999999999,null,null,null,2.3541501712043993E-2,2.3541501712043993E-2,2.3541501712043993E-2]
[45,0.37620949999999997,2.3070671677803113E-2,2.3070671677803113E-2,2.3070671677803113E-2,0.12232410971136222,0.15062464095890124,0.19900000000000001,0.19900000000000001,0.37620949999999997,null,null,null,2.3070671677803113E-2,2.3070671677803113E-2,2.3070671677803113E-2]
[46,0.37432845249999996,2.260925824424705E-2,2.260925824424705E-2,2.260925824424705E-2,0.11743114532290773,0.14829471491968946,0.19800500000000001,0.19800500000000001,0.37432845249999996,null,null,null,2.260925824424705E-2,2.260925824424705E-2,2.260925824424705E-2]
[47,0.37245681023749994,2.215707307936211E-2,2.215707307936211E-2,2.215707307936211E-2,0.11273389950999142,0.14552675815349048,0.19701497500000001,0.19701497500000001,0.37245681023749994,null,null,null,2.215707307936211E-2,2.215707307936211E-2,2.215707307936211E-2]
[48,0.37059452618631245,2.1713931617774868E-2,2.1713931617774868E-2,2.1713931617774868E-2,0.10822454352959175,0.14308421509675337,0.19602990012500002,0.19602990012500002,0.37059452618631245,null,null,null,2.1713931617774868E-2,2.1713931617774868E-2,2.1713931617774868E-2]
[49,0.32,2.1279652985419371E-2,2.1279652985419371E-2,2.1279652985419371E-2,0.10389556178840807,0.13626198406172399,0.19504975062437502,0.19504975062437502,0.32,null,null,null,2.1279652985419371E-2,2.1279652985419371E-2,2.1279652985419371E-2]
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[51,0.31680800000000003,2.0436978727196763E-2,2.0436978727196763E-2,2.0436978727196763E-2,9.5750149744196877E-2,0.13122349096341504,0.13930000000000001,0.13930000000000001,0.31680800000000003,null,null,null,2.0436978727196763E-2,2.0436978727196763E-2,2.0436978727196763E-2]
[52,0.31522396000000003,2.0028239152652828E-2,2.0028239152652828E-2,2.0028239152652828E-2,9.1920143754429001E-2,0.12896954962473464,0.13860350000000002,0.13860350000000002,0.31522396000000003,null,null,null,2.0028239152652828E-2,2.0028239152652828E-2,2.0028239152652828E-2]
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[54,0.31207960099900001,1.9235120882207777E-2,1.9235120882207777E-2,1.9235120882207777E-2,8.4713604484081759E-2,0.12555178361161964,0.13722093008750003,0.13722093008750003,0.31207960099900001,null,null,null,1.9235120882207777E-2,1.9235120882207777E-2,1.9235120882207777E-2]
[55,0.26,1.8850418464563621E-2,1.8850418464563621E-2,1.8850418464563621E-2,8.1325060304718491E-2,0.12002398712265737,0.13653482543706252,0.13653482543706252,0.26,null,null,null,1.8850418464563621E-2,1.8850418464563621E-2,1.8850418464563621E-2]
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[null,null,null,"Month 55",{"$f":"'Retention Curves'!N57","v":1.8850418464563621E-2},0.32611223943695067,null,0.32611223943695067,null,null,null,"Month 55",{"$f":"'Retention Curves'!O57","v":1.8850418464563621E-2},null,{"$f":"(M57-M58)*N51*(5/12)","v":2.0082970617427552E-4},-2.0082970617427552E-4,null,null,null,"Month 55",{"$f":"'Retention Curves'!P57","v":1.8850418464563621E-2},null,{"$f":"(U57-U58)*V51*(5/12)","v":4.28111851983291E-4},-4.28111851983291E-4]
[null,null,null,"Month 56",{"$f":"'Retention Curves'!N58","v":1.8473410095272348E-2},0.31958999464821164,null,0.31958999464821164,null,null,null,"Month 56",{"$f":"'Retention Curves'!O58","v":1.8473410095272348E-2},null,{"$f":"(M58-M59)*N51*(4/12)","v":1.5745048964063195E-4},-1.5745048964063195E-4,null,null,null,"Month 56",{"$f":"'Retention Curves'!P58","v":1.8473410095272348E-2},null,{"$f":"(U58-U59)*V51*(4/12)","v":3.3563969195489994E-4},-3.3563969195489994E-4]
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[null,null,null,"Month 58",{"$f":"'Retention Curves'!N60","v":1.774186305549956E-2},0.30693423086014238,null,0.30693423086014238,null,null,null,"Month 58",{"$f":"'Retention Curves'!O60","v":1.774186305549956E-2},null,{"$f":"(M60-M61)*N51*(2/12)","v":7.5607725125431755E-5},-7.5607725125431755E-5,null,null,null,"Month 58",{"$f":"'Retention Curves'!P60","v":1.774186305549956E-2},null,{"$f":"(U60-U61)*V51*(2/12)","v":1.611741800767436E-4},-1.611741800767436E-4]
[null,null,null,"Month 59",{"$f":"'Retention Curves'!N61","v":1.7387025794389568E-2},0.30079554624293953,null,0.30079554624293953,null,null,null,"Month 59",{"$f":"'Retention Curves'!O61","v":1.7387025794389568E-2},null,{"$f":"(M61-M62)*N51*(1/12)","v":3.7047785311461408E-5},-3.7047785311461408E-5,null,null,null,"Month 59",{"$f":"'Retention Curves'!P61","v":1.7387025794389568E-2},null,{"$f":"(U61-U62)*V51*(1/12)","v":7.8975348237604018E-5},-7.8975348237604018E-5]
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[null,null,null,"Month 62",{"$f":"'Retention Curves'!N64","v":1.6364529581473108E-2},0.28310636175948478,null,0.28310636175948478,null,null,null,"Month 62",{"$f":"'Retention Curves'!O64","v":1.6364529581473108E-2},null,{"$f":"(M64-M65)*N63*(10/12)","v":2.7362349552485522E-4},-2.7362349552485522E-4,null,null,null,"Month 62",{"$f":"'Retention Curves'!P64","v":1.6364529581473108E-2},null,{"$f":"(U64-U65)*V63*(10/12)","v":5.8328752078955269E-4},-5.8328752078955269E-4]
[null,null,null,"Month 63",{"$f":"'Retention Curves'!N65","v":1.6037238989843647E-2},0.27744423452429512,null,0.27744423452429512,null,null,null,"Month 63",{"$f":"'Retention Curves'!O65","v":1.6037238989843647E-2},null,{"$f":"(M65-M66)*N63*(9/12)","v":2.4133592305292261E-4},-2.4133592305292261E-4,null,null,null,"Month 63",{"$f":"'Retention Curves'!P65","v":1.6037238989843647E-2},null,{"$f":"(U65-U66)*V63*(9/12)","v":5.144595933363862E-4},-5.144595933363862E-4]
[null,null,null,"Month 64",{"$f":"'Retention Curves'!N66","v":1.5716494210046773E-2},{"$f":"E67*17.3","v":0.2718953498338092},null,0.2718953498338092,null,null,null,"Month 64",{"$f":"'Retention Curves'!O66","v":1.5716494210046773E-2},null,{"$f":"(M66-M67)*N63*(8/12)","v":2.1023040408165819E-4},-2.1023040408165819E-4,null,null,null,"Month 64",{"$f":"'Retention Curves'!P66","v":1.5716494210046773E-2},null,{"$f":"(U66-U67)*V63*(8/12)","v":4.4815146797303222E-4},-4.4815146797303222E-4]
[null,null,null,"Month 65",{"$f":"'Retention Curves'!N67","v":1.5402164325845838E-2},0.26645744283713302,null,{"$f":"F68-G68","v":0.26645744283713302},null,null,null,"Month 65",{"$f":"'Retention Curves'!O67","v":1.5402164325845838E-2},null,{"$f":"(M67-M68)*N63*(7/12)","v":1.8027257150002096E-4},{"$f":"N68-O68","v":-1.8027257150002096E-4},null,null,null,"Month 65",{"$f":"'Retention Curves'!P67","v":1.5402164325845838E-2},null,{"$f":"(U67-U68)*V63*(7/12)","v":3.8428988378687312E-4},{"$f":"V68-W68","v":-3.8428988378687312E-4}]
[null,null,null,"Month 66",{"$f":"'Retention Curves'!N68","v":1.5094121039328921E-2},0.26112829398039034,null,0.26112829398039034,null,null,null,"Month 66",{"$f":"'Retention Curves'!O68","v":1.5094121039328921E-2},{"$f":"M69*57.7","v":0.87093078396927881},{"$f":"(M68-M69)*N63*(6/12)","v":1.5142896006001792E-4},0.87077935500921877,null,null,null,"Month 66",{"$f":"'Retention Curves'!P68","v":1.5094121039328921E-2},null,{"$f":"(U68-U69)*V63*(6/12)","v":3.2280350238097409E-4},-3.2280350238097409E-4]
[null,null,null,"Month 67",{"$f":"'Retention Curves'!N69","v":1.4792238618542342E-2},0.25590572810078249,null,0.25590572810078249,null,null,null,"Month 67",{"$f":"'Retention Curves'!O69","v":1.4792238618542342E-2},null,{"$f":"(M69-M70)*N63*(5/12)","v":1.2366698404901478E-4},-1.2366698404901478E-4,null,null,null,"Month 67",{"$f":"'Retention Curves'!P69","v":1.4792238618542342E-2},null,{"$f":"(U69-U70)*V63*(5/12)","v":2.6362286027779586E-4},-2.6362286027779586E-4]
[null,null,null,"Month 68",{"$f":"'Retention Curves'!N70","v":1.4496393846171494E-2},0.25078761353876683,null,0.25078761353876683,null,null,null,"Month 68",{"$f":"'Retention Curves'!O70","v":1.4496393846171494E-2},null,{"$f":"(M70-M71)*N63*(4/12)","v":9.6954915494427697E-5},-9.6954915494427697E-5,null,null,null,"Month 68",{"$f":"'Retention Curves'!P70","v":1.4496393846171494E-2},null,{"$f":"(U70-U71)*V63*(4/12)","v":2.0668032245779218E-4},-2.0668032245779218E-4]
[null,null,null,"Month 69",{"$f":"'Retention Curves'!N71","v":1.4206465969248063E-2},0.2457718612679915,null,0.2457718612679915,null,null,null,"Month 69",{"$f":"'Retention Curves'!O71","v":1.4206465969248063E-2},null,{"$f":"(M71-M72)*N63*(3/12)","v":7.1261862888404224E-5},-7.1261862888404224E-5,null,null,null,"Month 69",{"$f":"'Retention Curves'!P71","v":1.4206465969248063E-2},null,{"$f":"(U71-U72)*V63*(3/12)","v":1.5191003700647696E-4},-1.5191003700647696E-4]
[null,null,null,"Month 70",{"$f":"'Retention Curves'!N72","v":1.3922336649863101E-2},0.24085642404263166,null,0.24085642404263166,null,null,null,"Month 70",{"$f":"'Retention Curves'!O72","v":1.3922336649863101E-2},null,{"$f":"(M72-M73)*N63*(2/12)","v":4.655775042042418E-5},-4.655775042042418E-5,null,null,null,"Month 70",{"$f":"'Retention Curves'!P72","v":1.3922336649863101E-2},null,{"$f":"(U72-U73)*V63*(2/12)","v":9.9247890844231791E-5},-9.9247890844231791E-5]
[null,null,null,"Month 71",{"$f":"'Retention Curves'!N73","v":1.364388991686584E-2},0.23603929556177902,null,0.23603929556177902,null,null,null,"Month 71",{"$f":"'Retention Curves'!O73","v":1.364388991686584E-2},null,{"$f":"(M73-M74)*N63*(1/12)","v":2.2813297706007748E-5},-2.2813297706007748E-5,null,null,null,"Month 71",{"$f":"'Retention Curves'!P73","v":1.364388991686584E-2},null,{"$f":"(U73-U74)*V63*(1/12)","v":4.8631466513673363E-5},-4.8631466513673363E-5]
[null,null,null,"Month 72",{"$f":"'Retention Curves'!N74","v":1.3371012118528522E-2},0.23131850965054343,null,0.23131850965054343,null,null,null,"Month 72",{"$f":"'Retention Curves'!O74","v":1.3371012118528522E-2},{"$f":"M75*57.7","v":0.77150739923909573},{"$f":"(M74-M75)*N63*(0/12)","v":0},0.77150739923909573,null,null,null,"Month 72",{"$f":"'Retention Curves'!P74","v":1.3371012118528522E-2},{"$f":"U75*123","v":1.6446344905790082},{"$f":"(U74-U75)*V63*(0/12)","v":0},1.6446344905790082]
[null,null,null,"Month 73",{"$f":"'Retention Curves'!N75","v":1.3103591876157951E-2},0.22669213945753255,null,0.22669213945753255,null,null,null,"Month 73",{"$f":"'Retention Curves'!O75","v":1.3103591876157951E-2},null,{"$f":"(M75-M76)*N75*(11/12)","v":1.8912363772060695E-4},-1.8912363772060695E-4,null,null,null,"Month 73",{"$f":"'Retention Curves'!P75","v":1.3103591876157951E-2},null,{"$f":"(U75-U76)*V75*(11/12)","v":4.0315784124150182E-4},-4.0315784124150182E-4]
[null,null,null,"Month 74",{"$f":"'Retention Curves'!N76","v":1.2841520038634792E-2},0.22215829666838191,null,0.22215829666838191,null,null,null,"Month 74",{"$f":"'Retention Curves'!O76","v":1.2841520038634792E-2},null,{"$f":"(M76-M77)*N75*(10/12)","v":1.6849196815108629E-4},-1.6849196815108629E-4,null,null,null,"Month 74",{"$f":"'Retention Curves'!P76","v":1.2841520038634792E-2},null,{"$f":"(U76-U77)*V75*(10/12)","v":3.5917698583333814E-4},-3.5917698583333814E-4]
[null,null,null,"Month 75",{"$f":"'Retention Curves'!N77","v":1.2584689637862096E-2},0.21771513073501428,null,0.21771513073501428,null,null,null,"Month 75",{"$f":"'Retention Curves'!O77","v":1.2584689637862096E-2},null,{"$f":"(M77-M78)*N75*(9/12)","v":1.486099159092579E-4},-1.486099159092579E-4,null,null,null,"Month 75",{"$f":"'Retention Curves'!P77","v":1.2584689637862096E-2},null,{"$f":"(U77-U78)*V75*(9/12)","v":3.1679410150500385E-4},-3.1679410150500385E-4]
[null,null,null,"Month 76",{"$f":"'Retention Curves'!N78","v":1.2332995845104854E-2},0.21336082812031398,null,0.21336082812031398,null,null,null,"Month 76",{"$f":"'Retention Curves'!O78","v":1.2332995845104854E-2},null,{"$f":"(M78-M79)*N75*(8/12)","v":1.2945574896984274E-4},-1.2945574896984274E-4,null,null,null,"Month 76",{"$f":"'Retention Curves'!P78","v":1.2332995845104854E-2},null,{"$f":"(U78-U79)*V75*(8/12)","v":2.7596286175547068E-4},-2.7596286175547068E-4]
[null,null,null,"Month 77",{"$f":"'Retention Curves'!N79","v":1.2086335928202756E-2},0.20909361155790768,null,0.20909361155790768,null,null,null,"Month 77",{"$f":"'Retention Curves'!O79","v":1.2086335928202756E-2},null,{"$f":"(M79-M80)*N75*(7/12)","v":1.1100830474164006E-4},-1.1100830474164006E-4,null,null,null,"Month 77",{"$f":"'Retention Curves'!P79","v":1.2086335928202756E-2},null,{"$f":"(U79-U80)*V75*(7/12)","v":2.3663815395531587E-4},-2.3663815395531587E-4]
[null,null,null,"Month 78",{"$f":"'Retention Curves'!N80","v":1.1844609209638701E-2},0.20491173932674955,null,0.20491173932674955,null,null,null,"Month 78",{"$f":"'Retention Curves'!O80","v":1.1844609209638701E-2},{"$f":"M81*57.7","v":0.68343395139615315},{"$f":"(M80-M81)*N75*(6/12)","v":9.3246975982977414E-5},0.68334070442017014,null,null,null,"Month 78",{"$f":"'Retention Curves'!P80","v":1.1844609209638701E-2},null,{"$f":"(U80-U81)*V75*(6/12)","v":1.9877604932246485E-4},-1.9877604932246485E-4]
[null,null,null,"Month 79",{"$f":"'Retention Curves'!N81","v":1.1607717025445927E-2},0.20081350454021454,null,0.20081350454021454,null,null,null,"Month 79",{"$f":"'Retention Curves'!O81","v":1.1607717025445927E-2},null,{"$f":"(M81-M82)*N75*(5/12)","v":7.6151697052765141E-5},-7.6151697052765141E-5,null,null,null,"Month 79",{"$f":"'Retention Curves'!P81","v":1.1607717025445927E-2},null,{"$f":"(U81-U82)*V75*(5/12)","v":1.6233377361334685E-4},-1.6233377361334685E-4]
[null,null,null,"Month 80",{"$f":"'Retention Curves'!N82","v":1.1375562684937009E-2},0.19679723444941025,null,0.19679723444941025,null,null,null,"Month 80",{"$f":"'Retention Curves'!O82","v":1.1375562684937009E-2},null,{"$f":"(M82-M83)*N75*(4/12)","v":5.9702930489367582E-5},-5.9702930489367582E-5,null,null,null,"Month 80",{"$f":"'Retention Curves'!P82","v":1.1375562684937009E-2},null,{"$f":"(U82-U83)*V75*(4/12)","v":1.272696785128633E-4},-1.272696785128633E-4]
[null,null,null,"Month 81",{"$f":"'Retention Curves'!N83","v":1.1148051431238268E-2},0.19286128976042205,null,0.19286128976042205,null,null,null,"Month 81",{"$f":"'Retention Curves'!O83","v":1.1148051431238268E-2},null,{"$f":"(M83-M84)*N75*(3/12)","v":4.3881653909685347E-5},-4.3881653909685347E-5,null,null,null,"Month 81",{"$f":"'Retention Curves'!P83","v":1.1148051431238268E-2},null,{"$f":"(U83-U84)*V75*(3/12)","v":9.3543213706954905E-5},-9.3543213706954905E-5]
[null,null,null,"Month 82",{"$f":"'Retention Curves'!N84","v":1.0925090402613503E-2},0.18900406396521363,null,0.18900406396521363,null,null,null,"Month 82",{"$f":"'Retention Curves'!O84","v":1.0925090402613503E-2},null,{"$f":"(M84-M85)*N75*(2/12)","v":2.86693472209943E-5},-2.86693472209943E-5,null,null,null,"Month 82",{"$f":"'Retention Curves'!P84","v":1.0925090402613503E-2},null,{"$f":"(U84-U85)*V75*(2/12)","v":6.1114899621876923E-5},-6.1114899621876923E-5]
[null,null,null,"Month 83",{"$f":"'Retention Curves'!N85","v":1.0706588594561233E-2},0.18522398268590934,null,0.18522398268590934,null,null,null,"Month 83",{"$f":"'Retention Curves'!O85","v":1.0706588594561233E-2},null,{"$f":"(M85-M86)*N75*(1/12)","v":1.4047980138287267E-5},-1.4047980138287267E-5,null,null,null,"Month 83",{"$f":"'Retention Curves'!P85","v":1.0706588594561233E-2},null,{"$f":"(U85-U86)*V75*(1/12)","v":2.9946300814719821E-5},-2.9946300814719821E-5]
[null,null,null,"Month 84",{"$f":"'Retention Curves'!N86","v":1.0492456822670007E-2},0.18151950303219114,null,0.18151950303219114,null,null,null,"Month 84",{"$f":"'Retention Curves'!O86","v":1.0492456822670007E-2},{"$f":"M87*57.7","v":0.60541475866805949},{"$f":"(M86-M87)*N75*(0/12)","v":0},0.60541475866805949,null,null,null,"Month 84",{"$f":"'Retention Curves'!P86","v":1.0492456822670007E-2},{"$f":"U87*123","v":1.290572189188411},{"$f":"(U86-U87)*V75*(0/12)","v":0},1.290572189188411]
[null,null,null,"Month 85",{"$f":"'Retention Curves'!N87","v":1.0282607686216607E-2},0.1778891129715473,null,0.1778891129715473,null,null,null,"Month 85",{"$f":"'Retention Curves'!O87","v":1.0282607686216607E-2},null,{"$f":"(M87-M88)*N87*(11/12)","v":1.1645861727741644E-4},-1.1645861727741644E-4,null,null,null,"Month 85",{"$f":"'Retention Curves'!P87","v":1.0282607686216607E-2},null,{"$f":"(U87-U88)*V87*(11/12)","v":2.4825667114596571E-4},-2.4825667114596571E-4]
[null,null,null,"Month 86",{"$f":"'Retention Curves'!N88","v":1.0076955532492275E-2},0.17433133071211634,null,0.17433133071211634,null,null,null,"Month 86",{"$f":"'Retention Curves'!O88","v":1.0076955532492275E-2},null,{"$f":"(M88-M89)*N87*(10/12)","v":1.0375404084715287E-4},-1.0375404084715287E-4,null,null,null,"Month 86",{"$f":"'Retention Curves'!P88","v":1.0076955532492275E-2},null,{"$f":"(U88-U89)*V87*(10/12)","v":2.2117412520276949E-4},-2.2117412520276949E-4]
[null,null,null,"Month 87",{"$f":"'Retention Curves'!N89","v":9.8754164218424288E-3},0.17084470409787403,null,0.17084470409787403,null,null,null,"Month 87",{"$f":"'Retention Curves'!O89","v":9.8754164218424288E-3},null,{"$f":"(M89-M90)*N87*(9/12)","v":9.1511064027188782E-5},-9.1511064027188782E-5,null,null,null,"Month 87",{"$f":"'Retention Curves'!P89","v":9.8754164218424288E-3},null,{"$f":"(U89-U90)*V87*(9/12)","v":1.9507557842884265E-4},-1.9507557842884265E-4]
[null,null,null,"Month 88",{"$f":"'Retention Curves'!N90","v":9.6779080934055808E-3},0.16742781001591656,null,0.16742781001591656,null,null,null,"Month 88",{"$f":"'Retention Curves'!O90","v":9.6779080934055808E-3},null,{"$f":"(M90-M91)*N87*(8/12)","v":7.9716304663684072E-5},-7.9716304663684072E-5,null,null,null,"Month 88",{"$f":"'Retention Curves'!P90","v":9.6779080934055808E-3},null,{"$f":"(U90-U91)*V87*(8/12)","v":1.69932503875791E-4},-1.69932503875791E-4]
[null,null,null,"Month 89",{"$f":"'Retention Curves'!N91","v":9.4843499315374682E-3},0.16407925381559821,null,0.16407925381559821,null,null,null,"Month 89",{"$f":"'Retention Curves'!O91","v":9.4843499315374682E-3},null,{"$f":"(M91-M92)*N87*(7/12)","v":6.835673124910968E-5},-6.835673124910968E-5,null,null,null,"Month 89",{"$f":"'Retention Curves'!P91","v":9.4843499315374682E-3},null,{"$f":"(U91-U92)*V87*(7/12)","v":1.4571712207349201E-4},-1.4571712207349201E-4]
[null,null,null,"Month 90",{"$f":"'Retention Curves'!N92","v":9.2946629329067193E-3},0.16079766873928625,null,0.16079766873928625,null,null,null,"Month 90",{"$f":"'Retention Curves'!O92","v":9.2946629329067193E-3},{"$f":"M93*57.7","v":0.53630205122871777},{"$f":"(M92-M93)*N87*(6/12)","v":5.7419654249251706E-5},0.53624463157446856,null,null,null,"Month 90",{"$f":"'Retention Curves'!P92","v":9.2946629329067193E-3},null,{"$f":"(U92-U93)*V87*(6/12)","v":1.2240238254173239E-4},-1.2240238254173239E-4]
[null,null,null,"Month 91",{"$f":"'Retention Curves'!N93","v":9.108769674248585E-3},0.15758171536450052,null,0.15758171536450052,null,null,null,"Month 91",{"$f":"'Retention Curves'!O93","v":9.108769674248585E-3},null,{"$f":"(M93-M94)*N87*(5/12)","v":4.6892717636888978E-5},-4.6892717636888978E-5,null,null,null,"Month 91",{"$f":"'Retention Curves'!P93","v":9.108769674248585E-3},null,{"$f":"(U93-U94)*V87*(5/12)","v":9.9961945742414979E-5},-9.9961945742414979E-5]
[null,null,null,"Month 92",{"$f":"'Retention Curves'!N94","v":8.9265942807636132E-3},0.15443008105721051,null,0.15443008105721051,null,null,null,"Month 92",{"$f":"'Retention Curves'!O94","v":8.9265942807636132E-3},null,{"$f":"(M94-M95)*N87*(4/12)","v":3.6763890627320978E-5},-3.6763890627320978E-5,null,null,null,"Month 92",{"$f":"'Retention Curves'!P94","v":8.9265942807636132E-3},null,{"$f":"(U94-U95)*V87*(4/12)","v":7.8370165462053384E-5},-7.8370165462053384E-5]
[null,null,null,"Month 93",{"$f":"'Retention Curves'!N95","v":8.7480623951483403E-3},0.1513414794360663,null,0.1513414794360663,null,null,null,"Month 93",{"$f":"'Retention Curves'!O95","v":8.7480623951483403E-3},null,{"$f":"(M95-M96)*N87*(3/12)","v":2.702145961108102E-5},-2.702145961108102E-5,null,null,null,"Month 93",{"$f":"'Retention Curves'!P95","v":8.7480623951483403E-3},null,{"$f":"(U95-U96)*V87*(3/12)","v":5.7602071614609454E-5},-5.7602071614609454E-5]
[null,null,null,"Month 94",{"$f":"'Retention Curves'!N96","v":8.5731011472453735E-3},0.14831464984734496,null,0.14831464984734496,null,null,null,"Month 94",{"$f":"'Retention Curves'!O96","v":8.5731011472453735E-3},null,{"$f":"(M96-M97)*N87*(2/12)","v":1.7654020279239524E-5},-1.7654020279239524E-5,null,null,null,"Month 94",{"$f":"'Retention Curves'!P96","v":8.5731011472453735E-3},null,{"$f":"(U96-U97)*V87*(2/12)","v":3.7633353454878013E-5},-3.7633353454878013E-5]
[null,null,null,"Month 95",{"$f":"'Retention Curves'!N97","v":8.4016391243004664E-3},0.14534835685039807,null,0.14534835685039807,null,null,null,"Month 95",{"$f":"'Retention Curves'!O97","v":8.4016391243004664E-3},null,{"$f":"(M97-M98)*N87*(1/12)","v":8.6504699368273502E-6},-8.6504699368273502E-6,null,null,null,"Month 95",{"$f":"'Retention Curves'!P97","v":8.4016391243004664E-3},null,{"$f":"(U97-U98)*V87*(1/12)","v":1.844034319289019E-5},-1.844034319289019E-5]
[null,null,null,"Month 96",{"$f":"'Retention Curves'!N98","v":8.2336063418144562E-3},0.1424413897133901,null,0.1424413897133901,null,null,null,"Month 96",{"$f":"'Retention Curves'!O98","v":8.2336063418144562E-3},{"$f":"M99*57.7","v":0.47507908592269416},{"$f":"(M98-M99)*N87*(0/12)","v":0},0.47507908592269416,null,null,null,"Month 96",{"$f":"'Retention Curves'!P98","v":8.2336063418144562E-3},{"$f":"U99*123","v":1.012733580043178},{"$f":"(U98-U99)*V87*(0/12)","v":0},1.012733580043178]
[null,null,null,"Month 97",{"$f":"'Retention Curves'!N99","v":8.068934214978167E-3},0.13959256191912228,null,0.13959256191912228,null,null,null,"Month 97",{"$f":"'Retention Curves'!O99","v":8.068934214978167E-3},null,{"$f":"(M99-M100)*N99*(11/12)","v":7.1712926536469341E-5},-7.1712926536469341E-5,null,null,null,"Month 97",{"$f":"'Retention Curves'!P99","v":8.068934214978167E-3},null,{"$f":"(U99-U100)*V99*(11/12)","v":1.5287157649888607E-4},-1.5287157649888607E-4]
[null,null,null,"Month 98",{"$f":"'Retention Curves'!N100","v":7.9075555306786036E-3},0.13680071068073985,null,0.13680071068073985,null,null,null,"Month 98",{"$f":"'Retention Curves'!O100","v":7.9075555306786036E-3},null,{"$f":"(M100-M101)*N99*(10/12)","v":6.3889698187036354E-5},-6.3889698187036354E-5,null,null,null,"Month 98",{"$f":"'Retention Curves'!P100","v":7.9075555306786036E-3},null,{"$f":"(U100-U101)*V99*(10/12)","v":1.3619467724446222E-4},-1.3619467724446222E-4]
[null,null,null,"Month 99",{"$f":"'Retention Curves'!N101","v":7.749404420065031E-3},0.13406469646712504,null,0.13406469646712504,null,null,null,"Month 99",{"$f":"'Retention Curves'!O101","v":7.749404420065031E-3},null,{"$f":"(M101-M102)*N99*(9/12)","v":5.6350713800966225E-5},-5.6350713800966225E-5,null,null,null,"Month 99",{"$f":"'Retention Curves'!P101","v":7.749404420065031E-3},null,{"$f":"(U101-U102)*V99*(9/12)","v":1.2012370532961602E-4},-1.2012370532961602E-4]
[null,null,null,"Month 100",{"$f":"'Retention Curves'!N102","v":7.59441633166373E-3},0.13138340253778252,null,0.13138340253778252,null,null,null,"Month 100",{"$f":"'Retention Curves'!O102","v":7.59441633166373E-3},null,{"$f":"(M102-M103)*N99*(8/12)","v":4.9087732911063869E-5},-4.9087732911063869E-5,null,null,null,"Month 100",{"$f":"'Retention Curves'!P102","v":7.59441633166373E-3},null,{"$f":"(U102-U103)*V99*(8/12)","v":1.0464109442046543E-4},-1.0464109442046543E-4]
[null,null,null,"Month 101",{"$f":"'Retention Curves'!N103","v":7.4425280050304556E-3},0.12875573448702687,null,0.12875573448702687,null,null,null,"Month 101",{"$f":"'Retention Curves'!O103","v":7.4425280050304556E-3},null,{"$f":"(M103-M104)*N99*(7/12)","v":4.2092730971237115E-5},-4.2092730971237115E-5,null,null,null,"Month 101",{"$f":"'Retention Curves'!P103","v":7.4425280050304556E-3},null,{"$f":"(U103-U104)*V99*(7/12)","v":8.9729738465548783E-5},-8.9729738465548783E-5]
[null,null,null,"Month 102",{"$f":"'Retention Curves'!N104","v":7.2936774449298466E-3},0.12618061979728634,null,0.12618061979728634,null,null,null,"Month 102",{"$f":"'Retention Curves'!O104","v":7.2936774449298466E-3},{"$f":"M105*57.7","v":0.42084518857245218},{"$f":"(M104-M105)*N99*(6/12)","v":3.5357894015839183E-5},0.42080983067843636,null,null,null,"Month 102",{"$f":"'Retention Curves'!P104","v":7.2936774449298466E-3},null,{"$f":"(U104-U105)*V99*(6/12)","v":7.5372980311060975E-5},-7.5372980311060975E-5]
[null,null,null,"Month 103",{"$f":"'Retention Curves'!N105","v":7.1478038960312495E-3},0.12365700740134063,null,0.12365700740134063,null,null,null,"Month 103",{"$f":"'Retention Curves'!O105","v":7.1478038960312495E-3},null,{"$f":"(M105-M106)*N99*(5/12)","v":2.8875613446268718E-5},-2.8875613446268718E-5,null,null,null,"Month 103",{"$f":"'Retention Curves'!P105","v":7.1478038960312495E-3},null,{"$f":"(U105-U106)*V99*(5/12)","v":6.1554600587366583E-5},-6.1554600587366583E-5]
[null,null,null,"Month 104",{"$f":"'Retention Curves'!N106","v":7.0048478181106242E-3},0.1211838672533138,null,0.1211838672533138,null,null,null,"Month 104",{"$f":"'Retention Curves'!O106","v":7.0048478181106242E-3},null,{"$f":"(M106-M107)*N99*(4/12)","v":2.2638480941874703E-5},-2.2638480941874703E-5,null,null,null,"Month 104",{"$f":"'Retention Curves'!P106","v":7.0048478181106242E-3},null,{"$f":"(U106-U107)*V99*(4/12)","v":4.8258806860495468E-5},-4.8258806860495468E-5]
[null,null,null,"Month 105",{"$f":"'Retention Curves'!N107","v":6.8647508617484115E-3},0.11876018990824752,null,0.11876018990824752,null,null,null,"Month 105",{"$f":"'Retention Curves'!O107","v":6.8647508617484115E-3},null,{"$f":"(M107-M108)*N99*(3/12)","v":1.6639283492277889E-5},-1.6639283492277889E-5,null,null,null,"Month 105",{"$f":"'Retention Curves'!P107","v":6.8647508617484115E-3},null,{"$f":"(U107-U108)*V99*(3/12)","v":3.5470223042464127E-5},-3.5470223042464127E-5]
[null,null,null,"Month 106",{"$f":"'Retention Curves'!N108","v":6.7274558445134429E-3},0.11638498611008256,null,0.11638498611008256,null,null,null,"Month 106",{"$f":"'Retention Curves'!O108","v":6.7274558445134429E-3},null,{"$f":"(M108-M109)*N99*(2/12)","v":1.0870998548288238E-5},-1.0870998548288238E-5,null,null,null,"Month 106",{"$f":"'Retention Curves'!P108","v":6.7274558445134429E-3},null,{"$f":"(U108-U109)*V99*(2/12)","v":2.3173879054409932E-5},-2.3173879054409932E-5]
[null,null,null,"Month 107",{"$f":"'Retention Curves'!N109","v":6.5929067276231743E-3},0.11405728638788092,null,0.11405728638788092,null,null,null,"Month 107",{"$f":"'Retention Curves'!O109","v":6.5929067276231743E-3},null,{"$f":"(M109-M110)*N99*(1/12)","v":5.3267892886612105E-6},-5.3267892886612105E-6,null,null,null,"Month 107",{"$f":"'Retention Curves'!P109","v":6.5929067276231743E-3},null,{"$f":"(U109-U110)*V99*(1/12)","v":1.1355200736660811E-5},-1.1355200736660811E-5]
[null,null,null,"Month 108",{"$f":"'Retention Curves'!N110","v":6.4610485930707111E-3},0.11177614066012331,null,0.11177614066012331,null,null,null,"Month 108",{"$f":"'Retention Curves'!O110","v":6.4610485930707111E-3},{"$f":"M111*57.7","v":0.37280250382018004},{"$f":"(M110-M111)*N99*(0/12)","v":0},0.37280250382018004,null,null,null,"Month 108",{"$f":"'Retention Curves'!P110","v":6.4610485930707111E-3},{"$f":"U111*123","v":0.79470897694769749},{"$f":"(U110-U111)*V99*(0/12)","v":0},0.79470897694769749]
[null,null,null,"Month 109",{"$f":"'Retention Curves'!N111","v":6.3318276212092966E-3},0.10954061784692083,null,0.10954061784692083,null,null,null,"Month 109",{"$f":"'Retention Curves'!O111","v":6.3318276212092966E-3},null,{"$f":"(M111-M112)*N111*(11/12)","v":4.415941003467798E-5},-4.415941003467798E-5,null,null,null,"Month 109",{"$f":"'Retention Curves'!P111","v":6.3318276212092966E-3},null,{"$f":"(U111-U112)*V111*(11/12)","v":9.4135310819157568E-5},-9.4135310819157568E-5]
[null,null,null,"Month 110",{"$f":"'Retention Curves'!N112","v":6.2051910687851109E-3},0.10734980548998242,null,0.10734980548998242,null,null,null,"Month 110",{"$f":"'Retention Curves'!O112","v":6.2051910687851109E-3},null,{"$f":"(M112-M113)*N111*(10/12)","v":3.9342019849076596E-5},-3.9342019849076596E-5,null,null,null,"Month 110",{"$f":"'Retention Curves'!P112","v":6.2051910687851109E-3},null,{"$f":"(U112-U113)*V111*(10/12)","v":8.3866004184340049E-5},-8.3866004184340049E-5]
[null,null,null,"Month 111",{"$f":"'Retention Curves'!N113","v":6.0810872474094087E-3},0.10520280938018277,null,0.10520280938018277,null,null,null,"Month 111",{"$f":"'Retention Curves'!O113","v":6.0810872474094087E-3},null,{"$f":"(M113-M114)*N111*(9/12)","v":3.4699661506885633E-5},-3.4699661506885633E-5,null,null,null,"Month 111",{"$f":"'Retention Curves'!P113","v":6.0810872474094087E-3},null,{"$f":"(U113-U114)*V111*(9/12)","v":7.3969815690588082E-5},-7.3969815690588082E-5]
[null,null,null,"Month 112",{"$f":"'Retention Curves'!N114","v":5.9594655024612208E-3},0.10309875319257912,null,0.10309875319257912,null,null,null,"Month 112",{"$f":"'Retention Curves'!O114","v":5.9594655024612208E-3},null,{"$f":"(M114-M115)*N111*(8/12)","v":3.0227260690442524E-5},-3.0227260690442524E-5,null,null,null,"Month 112",{"$f":"'Retention Curves'!P114","v":5.9594655024612208E-3},null,{"$f":"(U114-U115)*V111*(8/12)","v":6.4435928334912146E-5},-6.4435928334912146E-5]
[null,null,null,"Month 113",{"$f":"'Retention Curves'!N115","v":5.8402761924119962E-3},0.10103677812872754,null,0.10103677812872754,null,null,null,"Month 113",{"$f":"'Retention Curves'!O115","v":5.8402761924119962E-3},null,{"$f":"(M115-M116)*N111*(7/12)","v":2.5919876042054559E-5},-2.5919876042054559E-5,null,null,null,"Month 113",{"$f":"'Retention Curves'!P115","v":5.8402761924119962E-3},null,{"$f":"(U115-U116)*V111*(7/12)","v":5.5253808547187361E-5},-5.5253808547187361E-5]
[null,null,null,"Month 114",{"$f":"'Retention Curves'!N116","v":5.723470668563756E-3},9.9016042566152984E-2,null,9.9016042566152984E-2,null,null,null,"Month 114",{"$f":"'Retention Curves'!O116","v":5.723470668563756E-3},{"$f":"M117*57.7","v":0.33024425757612874},{"$f":"(M116-M117)*N111*(6/12)","v":2.1772695875325842E-5},0.33022248488025341,null,null,null,"Month 114",{"$f":"'Retention Curves'!P116","v":5.723470668563756E-3},null,{"$f":"(U116-U117)*V111*(6/12)","v":4.6413199179637415E-5},-4.6413199179637415E-5]
[null,null,null,"Month 115",{"$f":"'Retention Curves'!N117","v":5.6090012551924806E-3},9.7035721714829923E-2,null,9.7035721714829923E-2,null,null,null,"Month 115",{"$f":"'Retention Curves'!O117","v":5.6090012551924806E-3},null,{"$f":"(M117-M118)*N111*(5/12)","v":1.7781034964849451E-5},-1.7781034964849451E-5,null,null,null,"Month 115",{"$f":"'Retention Curves'!P117","v":5.6090012551924806E-3},null,{"$f":"(U117-U118)*V111*(5/12)","v":3.7904112663370578E-5},-3.7904112663370578E-5]
[null,null,null,"Month 116",{"$f":"'Retention Curves'!N118","v":5.4968212300886311E-3},9.5095007280533328E-2,null,9.5095007280533328E-2,null,null,null,"Month 116",{"$f":"'Retention Curves'!O118","v":5.4968212300886311E-3},null,{"$f":"(M118-M119)*N111*(4/12)","v":1.3940331412441912E-5},-1.3940331412441912E-5,null,null,null,"Month 116",{"$f":"'Retention Curves'!P118","v":5.4968212300886311E-3},null,{"$f":"(U118-U119)*V111*(4/12)","v":2.9716824328082412E-5},-2.9716824328082412E-5]
[null,null,null,"Month 117",{"$f":"'Retention Curves'!N119","v":5.3868848054868584E-3},9.3193107134922654E-2,null,9.3193107134922654E-2,null,null,null,"Month 117",{"$f":"'Retention Curves'!O119","v":5.3868848054868584E-3},null,{"$f":"(M119-M120)*N111*(3/12)","v":1.0246143588144828E-5},-1.0246143588144828E-5,null,null,null,"Month 117",{"$f":"'Retention Curves'!P119","v":5.3868848054868584E-3},null,{"$f":"(U119-U120)*V111*(3/12)","v":2.1841865881140622E-5},-2.1841865881140622E-5]
[null,null,null,"Month 118",{"$f":"'Retention Curves'!N120","v":5.2791471093771207E-3},9.1329244992224196E-2,null,9.1329244992224196E-2,null,null,null,"Month 118",{"$f":"'Retention Curves'!O120","v":5.2791471093771207E-3},null,{"$f":"(M120-M121)*N111*(2/12)","v":6.6941471442546451E-6},-6.6941471442546451E-6,null,null,null,"Month 118",{"$f":"'Retention Curves'!P120","v":5.2791471093771207E-3},null,{"$f":"(U120-U121)*V111*(2/12)","v":1.4270019042345257E-5},-1.4270019042345257E-5]
[null,null,null,"Month 119",{"$f":"'Retention Curves'!N121","v":5.1735641671895784E-3},8.9502660092379713E-2,null,8.9502660092379713E-2,null,null,null,"Month 119",{"$f":"'Retention Curves'!O121","v":5.1735641671895784E-3},null,{"$f":"(M121-M122)*N111*(1/12)","v":3.2801321006847568E-6},-3.2801321006847568E-6,null,null,null,"Month 119",{"$f":"'Retention Curves'!P121","v":5.1735641671895784E-3},null,{"$f":"(U121-U122)*V111*(1/12)","v":6.9923093307491343E-6},-6.9923093307491343E-6]
[null,null,null,"Month 120",{"$f":"'Retention Curves'!N122","v":5.0700928838457865E-3},8.7712606890532105E-2,null,8.7712606890532105E-2,null,null,null,"Month 120",{"$f":"'Retention Curves'!O122","v":5.0700928838457865E-3},{"$f":"M123*57.7","v":0.29254435939790191},{"$f":"(M122-M123)*N111*(0/12)","v":0},0.29254435939790191,null,null,null,"Month 120",{"$f":"'Retention Curves'!P122","v":5.0700928838457865E-3},{"$f":"U123*123","v":0.62362142471303172},{"$f":"(U122-U123)*V111*(0/12)","v":0},0.62362142471303172]