{"text_format":"1","workbook":"xlsx","n_sheets":9,"sheets":["Calculator","Codes","Factors","LumpSumPrint1","LumpSumPrint2","RegularContsPrint1","RegularContsPrint2","Application","GuidanceNotes"],"not_rendered":{"charts":0,"images":5,"macros":1,"external_links":0,"defined_names":8,"comments":1,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Calculator","index":0,"n_rows":45,"n_cols":14,"rows_kept":45,"cut":false,"hidden":false,"merged":[[45,3,45,7],[1,1,1,6],[14,6,17,7],[53,2,53,7],[3,3,3,4],[4,3,4,4],[5,3,5,4],[6,3,6,4],[7,3,7,4],[8,3,8,4],[16,3,16,4]]}
[]
[null,"Fire 2015 Added Pension Benefit Cost Calculator"]
[null,null,"Member Details"]
[null,null,"Surname",null,null,"Title",null,null,null,null,{"$f":"Codes!A23","v":"Mr"},{"$f":"Codes!A20","v":"Male"}]
[null,null,"Former Surname (if applicable)",null,null,null,null,null,null,null,{"$f":"Codes!A24","v":"Dr"},{"$f":"Codes!A21","v":"Female"}]
[null,null,"Forenames (in full)",null,null,null,"Please specify","Rev",null,null,{"$f":"Codes!A25","v":"Ms"}]
[null,null,"Contact Address",null,null,null,null,null,null,null,{"$f":"Codes!A26","v":"Mrs"}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"Codes!A27","v":"Miss"}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"Codes!A28","v":"Other"}]
[null,null,"Postcode"]
[null,null,"Home telephone number"]
[null,null,"Mobile telephone number"]
[null,null,"Email address"]
[null,null,"National insurance number"]
[null,null,"Date of Birth ",null,null,null,{"$f":"IF(Codes!K27=60, \"You may only pay by lump sum. You must be 2 years from NPA to pay by monthly contributions\",\"\")","v":""},null,null,null,"Earliest DOB",{"$f":"Codes!B15","v":"1959-12-12"},"Latest DOB",{"$f":"Codes!B16","v":"2001-12-11T12:00:00"}]
[null,null,"Gender"]
[null,null,"Current employer"]
[null,null,"How would you like to pay for your added pension? ",null,null,null,null,null,null,"Lump Sum"]
[null,null,"Lump Sum Payments"]
[]
[null,null,"Calculation date (if blank, will use today's date) ",null,null,null,null,null,null,null,"Earliest calc date",{"$f":"Codes!G40","v":"2015-04-01"},"Latest calc date",{"$f":"Codes!G41","v":"1959-12-30"}]
[null,null,"What would you like to quote for? "]
[null,null,"Lump sum payment amount",null,null,null,null,null,null,null,"Minimum paymeent",0,"Maximum payment",{"$f":"Codes!G42","v":""}]
[]
[null,null,"It will buy me this much added pension",{"$f":"IF(ISERROR(Codes!G26),\"\",Codes!G26)","v":""}]
[]
[null,null,"If I want to buy this much added pension ",null,null,null,null,null,null,null,"Minimum AP",0,"Maximum AP",{"$f":"Codes!B14","v":6500}]
[]
[null,null,"I will need to pay a lump sum of",{"$f":"IF(ISERROR(Codes!G36),\"\",Codes!G36)","v":""}]
[]
[null,null,"Periodic Payments"]
[]
[null,null,"Start date of periodic payments (if blank, will use today's date)",null,null,null,null,null,null,null,"Earliest start date",{"$f":"Codes!K36","v":"2015-04-01"},"Latest start date",{"$f":"Codes!K37","v":"1959-03-31"}]
[]
[null,null,{"$f":"\"End date of periodic contributions (if blank, will quote to end of scheme year 31 March \"&YEAR(Codes!K17)&\")\"","v":"End date of periodic contributions (if blank, will quote to end of scheme year 31 March 2020)"},null,null,null,null,null,null,null,"Earliest end date",{"$f":"Codes!K33","v":"1959-03-31"},"latest end date",{"$f":"Codes!K34","v":"1959-03-31"}]
[null,null,"What would you like to quote for? "]
[null,null,"What level of monthly contributions would you like to pay?",null,null,null,null,null,null,null,"Smallest contribution",null,"Largest contribution"]
[null,null,{"$f":"IF(OR(D40=\"\",D40<=Codes!B14),\"\",\"*Your added pension balance must not exceed £\"&Codes!B14&\". Please review your contribution period or monthly contribution amount.\")","v":""}]
[null,null,{"$f":"\"In \"&YEAR(Codes!K17)-1&\"/\"&YEAR(Codes!K17)&\" it will buy this much added pension per year\"","v":"In 2019/2020 it will buy this much added pension per year"},{"$f":"IF(ISERROR(Codes!AA8),\"\",Codes!AA8)","v":""}]
[null,null,"Over the contribution period this much will be added to the added pension balance",{"$f":"Codes!AA55","v":0}]
[]
[null,null,"How much would you like to add to your added pension balance each year?"]
[null,null,{"$f":"IF(OR(RegularContsPrint2!F62=\"\",RegularContsPrint2!F62<=Codes!B14),\"\",\"*Your added pension balance must not exceed £\"&Codes!B14&\".Please review your contribution period or amount.\")","v":""}]
[null,null,{"$f":"\"For \"&YEAR(Codes!K17)-1&\"/\"&YEAR(Codes!K17)&\" required monthly instalments will be\"","v":"For 2019/2020 required monthly instalments will be"},{"$f":"IF(ISERROR(Codes!AC8),\"\",Codes!AC8)","v":""}]
[null,null,"Over the contribution period this much will be added to the added pension balance",{"$f":"Codes!AB55","v":0}]

{"sheet":"Codes","index":1,"n_rows":55,"n_cols":29,"rows_kept":55,"cut":false,"hidden":true,"merged":[[10,3,15,3],[2,25,4,26],[2,27,4,28],[5,28,6,28],[5,27,6,27],[5,26,6,26],[5,25,6,25],[5,22,6,22],[5,21,6,21],[3,10,4,10],[11,5,11,6],[10,8,15,8],[7,6,9,6],[8,10,10,10],[5,13,6,13],[5,12,6,12],[1,25,1,26],[5,14,6,14],[5,16,6,16],[5,18,6,18],[5,17,6,17],[5,15,6,15],[5,23,6,23],[5,20,6,20],[5,19,6,19],[5,24,6,24]]}
["Member data",null,null,null,null,null,"Lump Sum",null,null,null,"Regular Contributions  "]
["DOB",{"$f":"Calculator!D15","v":"00:00:00"},null,null,null,null,"Definitions",null,null,null,"Definitions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Level contributions",null,"Contributions required for this much AP "]
["Normal retirement date",{"$f":"DATE(YEAR(Calculator!D15)+60,MONTH(Calculator!D15),DAY(Calculator!D15))","v":"1959-12-31"},null,null,null,"P= ","amount of additional pension purchased",null,null,"C=","Total amount of periodic contributions over scheme year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,". P=(1.025x xC)/(Fx x FyReval)",null,"MP=(P x Fx x FyReval)/(number of monthly conts x 1.025)"]
["31 March that yr",{"$f":"DATE(YEAR(B3),3,31)","v":"1959-03-31"},null,null,null,"LS=","Amount of lump sum payment",null,null,"Adj=","1.025 (equivilent to an addition of half a years interest on contributions payable throughout the scheme year"]
["31 March before NPA",{"$f":"IF(B4>B3,DATE(YEAR(B4)-1,3,31),DATE(YEAR(B4),3,31))","v":"1959-03-31"},null,null,null,"x=","Members age last birthday on calculation date"]
["1 April before NPA",{"$f":"IF(Calculator!D15=\"\",\"\",B5+1)","v":""},null,null,null,null,null,null,null,"x=","members age last birthday at end of scheme year",null,null,"Year","First payment month (April = 4)","First payment month (April = 1)","Last payment month (march = 3)","Last payment month (march = 12)","Start of scheme year","End of scheme year","No of monthly payments","x","Fx","y","FyReval","C = Payments over scheme year","Level contributions of X buy this much AP…","P=amount of AP purchased","Buying X AP will cost contribution of…"]
["18th birthday",{"$f":"DATE(YEAR(Calculator!D15)+18,MONTH(Calculator!D15),DAY(Calculator!D15))","v":"1917-12-31"},null,null,null,"Fx= ","lump sum factor at age x (table 1:lump sum factors)",null,null,"Y=","Number of subsequent scheme years up to NPA"]
["Current age",{"$f":"IF(Calculator!D15=\"\",0,ROUNDDOWN((TODAY()-Calculator!D15)/365.25,0))","v":0},null,null,null,"FyReval=","Relevant revaluation factor for a member with y complete scheme years between calc date and up to and including NPA (table 2:added pension reval factors)",null,null,"Fx= ","regular conts factor at age x (table 1:lump sum factors)",null,{"$f":"IF(Calculator!D15=\"\",\"\",YEAR(Codes!K17)-1&\" / \"&YEAR(Codes!K17))","v":""},1,{"$f":"MONTH(K15)","v":12},{"$f":"IF(OR(O8=1,O8=2,O8=3),O8+9,O8-3)","v":9},3,{"$f":"IF(M8=\"\",\"\",IF(M9=\"\",K$25,IF(OR(Q8=1,Q8=2,Q8=3),Q8+9,Q8-3)))","v":""},{"$f":"DATE(YEAR(T8)-1,4,1)","v":"2019-04-01"},{"$f":"K17","v":"2020-03-31"},{"$f":"IF(M8=\"\",\"\",R8-P8+1)","v":""},{"$f":"IF(Calculator!$D$15=\"\",0,K27)","v":0},{"$f":"IF(V8=\"\",\"\",VLOOKUP(V8,Factors!$A$10:$B$51,2,FALSE))","v":{"$error":"#N/A"}},{"$f":"DATEDIF(K17,B5,\"y\")","v":{"$error":"#NUM!"}},{"$f":"IF(X8=\"\",\"\",VLOOKUP(X8,Factors!$F$10:$G$50,2,FALSE))","v":{"$error":"#NUM!"}},{"$f":"IF(M8=\"\",\"\",Calculator!$D$37*U8)","v":""},{"$f":"IF(M8=\"\",\"\",(1.025*Z8)/(W8*Y8))","v":""},{"$f":"IF(M8=\"\",\"\",Calculator!$D$42)","v":""},{"$f":"IF(M8=\"\",\"\",(AB8*W8*Y8)/(U8*1.025))","v":""}]
[null,null,null,null,null,null,null,null,null,"FyReval=","Relevent revaluation factor for member with y complete scheme years between calc date and up to and including NPA (table 2:added pension reval factors)",null,{"$f":"IF(S9<>\"\",YEAR(Codes!$K$17)+(N9-2)&\" / \"&YEAR(Codes!$K$17)+(N9-1),\"\")","v":""},{"$f":"IF(S9=\"\",\"\",N8+1)","v":""},null,{"$f":"IF(M9=\"\",\"\",1)","v":""},{"$f":"IF(OR(M9=\"\",M10=\"\"),\"\",IF(T9<=K$19,3,MONTH(I$8)))","v":""},"",{"$f":"IF(S8=\"\",\"\",IF(DATE(YEAR(S8)+1,4,1)<K$19,DATE(YEAR(S8)+1,4,1),\"\"))","v":""},{"$f":"IF(M9=\"\",\"\",IF(DATE(YEAR(T8)+1,3,31)<=K$19,DATE(YEAR(T8)+1,3,31),\"\"))","v":""},{"$f":"IF(M9=\"\",\"\",R9-P9+1)","v":""},{"$f":"IF(M9=\"\",\"\",V8+1)","v":""},{"$f":"IF(V9=\"\",\"\",VLOOKUP(V9,Factors!$A$10:$B$51,2,FALSE))","v":""},{"$f":"IF(M9=\"\",\"\",X8-1)","v":""},{"$f":"IF(X9=\"\",\"\",VLOOKUP(X9,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M9=\"\",\"\",Calculator!$D$37*U9)","v":""},"",{"$f":"IF(M9=\"\",\"\",Calculator!$D$42)","v":""},{"$f":"IF(M9=\"\",\"\",(AB9*W9*Y9)/(U9*1.025))","v":""}]
["Today",{"$f":"TODAY()","v":"2019-12-11"},null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S10<>\"\",YEAR(Codes!$K$17)+(N10-2)&\" / \"&YEAR(Codes!$K$17)+(N10-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V10=\"\",\"\",VLOOKUP(V10,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X10=\"\",\"\",VLOOKUP(X10,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M10=\"\",\"\",Calculator!$D$37*U10)","v":""},"",{"$f":"IF(M10=\"\",\"\",Calculator!$D$42)","v":""},""]
["Scheme start date","2015-04-01",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S11<>\"\",YEAR(Codes!$K$17)+(N11-2)&\" / \"&YEAR(Codes!$K$17)+(N11-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V11=\"\",\"\",VLOOKUP(V11,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X11=\"\",\"\",VLOOKUP(X11,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M11=\"\",\"\",Calculator!$D$37*U11)","v":""},"",{"$f":"IF(M11=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"Calculating complete scheme years between calc date and NPA",null,null,null,"P=","amount of AP purchased",null,{"$f":"IF(S12<>\"\",YEAR(Codes!$K$17)+(N12-2)&\" / \"&YEAR(Codes!$K$17)+(N12-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V12=\"\",\"\",VLOOKUP(V12,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X12=\"\",\"\",VLOOKUP(X12,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M12=\"\",\"\",Calculator!$D$37*U12)","v":""},"",{"$f":"IF(M12=\"\",\"\",Calculator!$D$42)","v":""},""]
["Data limits",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S13<>\"\",YEAR(Codes!$K$17)+(N13-2)&\" / \"&YEAR(Codes!$K$17)+(N13-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V13=\"\",\"\",VLOOKUP(V13,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X13=\"\",\"\",VLOOKUP(X13,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M13=\"\",\"\",Calculator!$D$37*U13)","v":""},"",{"$f":"IF(M13=\"\",\"\",Calculator!$D$42)","v":""},""]
["Maximum AP",6500,null,null,null,"Calculation date (today if blank)",{"$f":"IF(Calculator!D21=\"\",TODAY(),Calculator!D21)","v":"2019-12-11"},null,null,null,null,null,{"$f":"IF(S14<>\"\",YEAR(Codes!$K$17)+(N14-2)&\" / \"&YEAR(Codes!$K$17)+(N14-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V14=\"\",\"\",VLOOKUP(V14,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X14=\"\",\"\",VLOOKUP(X14,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M14=\"\",\"\",Calculator!$D$37*U14)","v":""},"",{"$f":"IF(M14=\"\",\"\",Calculator!$D$42)","v":""},""]
["Earliest DOB (60 years ago tomorrow)",{"$f":"TODAY()-(60*365.25)+1","v":"1959-12-12"},null,null,null,"Next scheme year starts",{"$f":"IF(MONTH(G14)>3,DATE(YEAR(G14)+1,4,1),DATE(YEAR(G14),4,1))","v":"2020-04-01"},null,null,"Start date of periodic payments",{"$f":"IF(Calculator!D33=\"\",TODAY(),Calculator!D33)","v":"2019-12-11"},null,{"$f":"IF(S15<>\"\",YEAR(Codes!$K$17)+(N15-2)&\" / \"&YEAR(Codes!$K$17)+(N15-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V15=\"\",\"\",VLOOKUP(V15,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X15=\"\",\"\",VLOOKUP(X15,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M15=\"\",\"\",Calculator!$D$37*U15)","v":""},"",{"$f":"IF(M15=\"\",\"\",Calculator!$D$42)","v":""},""]
["latest DOB (18 years ago today)",{"$f":"TODAY()-(18*365.25-1)","v":"2001-12-11T12:00:00"},null,null,null,"x = Age at calculation date",{"$f":"DATEDIF(Calculator!D15,Codes!G14,\"y\")","v":119},null,null,"31 March that yr",{"$f":"DATE(YEAR(K15),3,31)","v":"2019-03-31"},null,{"$f":"IF(S16<>\"\",YEAR(Codes!$K$17)+(N16-2)&\" / \"&YEAR(Codes!$K$17)+(N16-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V16=\"\",\"\",VLOOKUP(V16,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X16=\"\",\"\",VLOOKUP(X16,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M16=\"\",\"\",Calculator!$D$37*U16)","v":""},"",{"$f":"IF(M16=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"y = Number of complete scheme year between calculation date and NPA",{"$f":"IF(OR(B6=\"\",G15=\"\"),\"\",DATEDIF(G15,B6,\"y\"))","v":""},null,null,"End of scheme year",{"$f":"IF(K16<K15,DATE(YEAR(K16)+1,3,31),DATE(YEAR(K16),3,31))","v":"2020-03-31"},null,{"$f":"IF(S17<>\"\",YEAR(Codes!$K$17)+(N17-2)&\" / \"&YEAR(Codes!$K$17)+(N17-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V17=\"\",\"\",VLOOKUP(V17,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X17=\"\",\"\",VLOOKUP(X17,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M17=\"\",\"\",Calculator!$D$37*U17)","v":""},"",{"$f":"IF(M17=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S18<>\"\",YEAR(Codes!$K$17)+(N18-2)&\" / \"&YEAR(Codes!$K$17)+(N18-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V18=\"\",\"\",VLOOKUP(V18,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X18=\"\",\"\",VLOOKUP(X18,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M18=\"\",\"\",Calculator!$D$37*U18)","v":""},"",{"$f":"IF(M18=\"\",\"\",Calculator!$D$42)","v":""},""]
["Drop down lists",null,null,null,null,"How much additional pension will X by me?",null,null,null,"Contributions end date",{"$f":"IF(Calculator!D35=\"\",K17,Calculator!D35)","v":"2020-03-31"},null,{"$f":"IF(S19<>\"\",YEAR(Codes!$K$17)+(N19-2)&\" / \"&YEAR(Codes!$K$17)+(N19-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V19=\"\",\"\",VLOOKUP(V19,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X19=\"\",\"\",VLOOKUP(X19,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M19=\"\",\"\",Calculator!$D$37*U19)","v":""},"",{"$f":"IF(M19=\"\",\"\",Calculator!$D$42)","v":""},""]
["Male",null,null,null,null,null,null,null,null,"31 March that yr",{"$f":"DATE(YEAR(K19),3,31)","v":"2020-03-31"},null,{"$f":"IF(S20<>\"\",YEAR(Codes!$K$17)+(N20-2)&\" / \"&YEAR(Codes!$K$17)+(N20-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V20=\"\",\"\",VLOOKUP(V20,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X20=\"\",\"\",VLOOKUP(X20,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M20=\"\",\"\",Calculator!$D$37*U20)","v":""},"",{"$f":"IF(M20=\"\",\"\",Calculator!$D$42)","v":""},""]
["Female",null,null,null,null,"LS=",{"$f":"Calculator!D23","v":0},null,null,"End of scheme year",{"$f":"IF(K20<K19,DATE(YEAR(K20)+1,3,31),DATE(YEAR(K20),3,31))","v":"2020-03-31"},null,{"$f":"IF(S21<>\"\",YEAR(Codes!$K$17)+(N21-2)&\" / \"&YEAR(Codes!$K$17)+(N21-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V21=\"\",\"\",VLOOKUP(V21,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X21=\"\",\"\",VLOOKUP(X21,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M21=\"\",\"\",Calculator!$D$37*U21)","v":""},"",{"$f":"IF(M21=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"Fx= ",{"$f":"VLOOKUP(G16,Factors!A10:B51,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"IF(S22<>\"\",YEAR(Codes!$K$17)+(N22-2)&\" / \"&YEAR(Codes!$K$17)+(N22-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V22=\"\",\"\",VLOOKUP(V22,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X22=\"\",\"\",VLOOKUP(X22,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M22=\"\",\"\",Calculator!$D$37*U22)","v":""},"",{"$f":"IF(M22=\"\",\"\",Calculator!$D$42)","v":""},""]
["Mr",null,null,null,null,"FyReval=",{"$f":"VLOOKUP(G17,Factors!F10:G50,2,FALSE)","v":{"$error":"#N/A"}},null,null,"Last payment date",{"$f":"DATE(YEAR(K19),MONTH(K19),DAY(K15))","v":"2020-03-11"},null,{"$f":"IF(S23<>\"\",YEAR(Codes!$K$17)+(N23-2)&\" / \"&YEAR(Codes!$K$17)+(N23-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V23=\"\",\"\",VLOOKUP(V23,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X23=\"\",\"\",VLOOKUP(X23,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M23=\"\",\"\",Calculator!$D$37*U23)","v":""},"",{"$f":"IF(M23=\"\",\"\",Calculator!$D$42)","v":""},""]
["Dr",null,null,null,null,null,null,null,null,"Last payment month (apr=4)",{"$f":"IF(K23>K19,MONTH(K23)-1,MONTH(K23))","v":3},null,{"$f":"IF(S24<>\"\",YEAR(Codes!$K$17)+(N24-2)&\" / \"&YEAR(Codes!$K$17)+(N24-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V24=\"\",\"\",VLOOKUP(V24,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X24=\"\",\"\",VLOOKUP(X24,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M24=\"\",\"\",Calculator!$D$37*U24)","v":""},"",{"$f":"IF(M24=\"\",\"\",Calculator!$D$42)","v":""},""]
["Ms",null,null,null,null,"P =","LS/(Fx x FyReval)",null,null,"Last payment month (apr=1)",{"$f":"IF(OR(K24=0,K24=1,K24=2,K24=3),K24+9,K24-3)","v":12},null,{"$f":"IF(S25<>\"\",YEAR(Codes!$K$17)+(N25-2)&\" / \"&YEAR(Codes!$K$17)+(N25-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V25=\"\",\"\",VLOOKUP(V25,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X25=\"\",\"\",VLOOKUP(X25,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M25=\"\",\"\",Calculator!$D$37*U25)","v":""},"",{"$f":"IF(M25=\"\",\"\",Calculator!$D$42)","v":""},""]
["Mrs",null,null,null,null,"=",{"$f":"G21/(G22*G23)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"IF(S26<>\"\",YEAR(Codes!$K$17)+(N26-2)&\" / \"&YEAR(Codes!$K$17)+(N26-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V26=\"\",\"\",VLOOKUP(V26,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X26=\"\",\"\",VLOOKUP(X26,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M26=\"\",\"\",Calculator!$D$37*U26)","v":""},"",{"$f":"IF(M26=\"\",\"\",Calculator!$D$42)","v":""},""]
["Miss",null,null,null,null,null,null,null,null,"Year 1 X=",{"$f":"DATEDIF(Calculator!$D$15,Codes!K17,\"y\")","v":120},null,{"$f":"IF(S27<>\"\",YEAR(Codes!$K$17)+(N27-2)&\" / \"&YEAR(Codes!$K$17)+(N27-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V27=\"\",\"\",VLOOKUP(V27,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X27=\"\",\"\",VLOOKUP(X27,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M27=\"\",\"\",Calculator!$D$37*U27)","v":""},"",{"$f":"IF(M27=\"\",\"\",Calculator!$D$42)","v":""},""]
["Other",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S28<>\"\",YEAR(Codes!$K$17)+(N28-2)&\" / \"&YEAR(Codes!$K$17)+(N28-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V28=\"\",\"\",VLOOKUP(V28,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X28=\"\",\"\",VLOOKUP(X28,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M28=\"\",\"\",Calculator!$D$37*U28)","v":""},"",{"$f":"IF(M28=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"How much will it cost me to buy X amount of additional pension?",null,null,null,null,null,null,{"$f":"IF(S29<>\"\",YEAR(Codes!$K$17)+(N29-2)&\" / \"&YEAR(Codes!$K$17)+(N29-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V29=\"\",\"\",VLOOKUP(V29,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X29=\"\",\"\",VLOOKUP(X29,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M29=\"\",\"\",Calculator!$D$37*U29)","v":""},"",{"$f":"IF(M29=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S30<>\"\",YEAR(Codes!$K$17)+(N30-2)&\" / \"&YEAR(Codes!$K$17)+(N30-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V30=\"\",\"\",VLOOKUP(V30,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X30=\"\",\"\",VLOOKUP(X30,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M30=\"\",\"\",Calculator!$D$37*U30)","v":""},"",{"$f":"IF(M30=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"p=",{"$f":"Calculator!D27","v":0},null,null,"Monthly contributions data limits",null,null,{"$f":"IF(S31<>\"\",YEAR(Codes!$K$17)+(N31-2)&\" / \"&YEAR(Codes!$K$17)+(N31-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V31=\"\",\"\",VLOOKUP(V31,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X31=\"\",\"\",VLOOKUP(X31,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M31=\"\",\"\",Calculator!$D$37*U31)","v":""},"",{"$f":"IF(M31=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"Fx= ",{"$f":"VLOOKUP(G16,Factors!A10:B51,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"IF(S32<>\"\",YEAR(Codes!$K$17)+(N32-2)&\" / \"&YEAR(Codes!$K$17)+(N32-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V32=\"\",\"\",VLOOKUP(V32,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X32=\"\",\"\",VLOOKUP(X32,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M32=\"\",\"\",Calculator!$D$37*U32)","v":""},"",{"$f":"IF(M32=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"FyReval=",{"$f":"VLOOKUP(G17,Factors!F10:G50,2,FALSE)","v":{"$error":"#N/A"}},null,null,"Earliest contribution end date",{"$f":"IF((K15+1)>=K37,K37,K15+1)","v":"1959-03-31"},null,{"$f":"IF(S33<>\"\",YEAR(Codes!$K$17)+(N33-2)&\" / \"&YEAR(Codes!$K$17)+(N33-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V33=\"\",\"\",VLOOKUP(V33,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X33=\"\",\"\",VLOOKUP(X33,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M33=\"\",\"\",Calculator!$D$37*U33)","v":""},"",{"$f":"IF(M33=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,"Latest contributions end date",{"$f":"B5","v":"1959-03-31"},null,{"$f":"IF(S34<>\"\",YEAR(Codes!$K$17)+(N34-2)&\" / \"&YEAR(Codes!$K$17)+(N34-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V34=\"\",\"\",VLOOKUP(V34,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X34=\"\",\"\",VLOOKUP(X34,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M34=\"\",\"\",Calculator!$D$37*U34)","v":""},"",{"$f":"IF(M34=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"LS =","P x Fx x FyReval",null,null,null,null,null,{"$f":"IF(S35<>\"\",YEAR(Codes!$K$17)+(N35-2)&\" / \"&YEAR(Codes!$K$17)+(N35-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V35=\"\",\"\",VLOOKUP(V35,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X35=\"\",\"\",VLOOKUP(X35,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M35=\"\",\"\",Calculator!$D$37*U35)","v":""},"",{"$f":"IF(M35=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"=",{"$f":"G31*G32*G33","v":{"$error":"#N/A"}},null,null,"Earliest start date allowed",{"$f":"IF(K44>K42,K44,K42)","v":"2015-04-01"},null,{"$f":"IF(S36<>\"\",YEAR(Codes!$K$17)+(N36-2)&\" / \"&YEAR(Codes!$K$17)+(N36-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V36=\"\",\"\",VLOOKUP(V36,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X36=\"\",\"\",VLOOKUP(X36,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M36=\"\",\"\",Calculator!$D$37*U36)","v":""},"",{"$f":"IF(M36=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,"Latest start date allowed",{"$f":"IF(MONTH(K43)>3,DATE(YEAR(Calculator!D15)+59,3,DAY(31)),DATE(YEAR(Calculator!D15)+58,3,DAY(31)))","v":"1959-03-31"},null,{"$f":"IF(S37<>\"\",YEAR(Codes!$K$17)+(N37-2)&\" / \"&YEAR(Codes!$K$17)+(N37-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V37=\"\",\"\",VLOOKUP(V37,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X37=\"\",\"\",VLOOKUP(X37,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M37=\"\",\"\",Calculator!$D$37*U37)","v":""},"",{"$f":"IF(M37=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S38<>\"\",YEAR(Codes!$K$17)+(N38-2)&\" / \"&YEAR(Codes!$K$17)+(N38-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V38=\"\",\"\",VLOOKUP(V38,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X38=\"\",\"\",VLOOKUP(X38,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M38=\"\",\"\",Calculator!$D$37*U38)","v":""},"",{"$f":"IF(M38=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"Lump Sum data limits",null,null,null,null,null,null,{"$f":"IF(S39<>\"\",YEAR(Codes!$K$17)+(N39-2)&\" / \"&YEAR(Codes!$K$17)+(N39-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V39=\"\",\"\",VLOOKUP(V39,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X39=\"\",\"\",VLOOKUP(X39,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M39=\"\",\"\",Calculator!$D$37*U39)","v":""},"",{"$f":"IF(M39=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"Earliest calc date allowed",{"$f":"IF(B11>B7,B11,B7)","v":"2015-04-01"},null,null,"today",{"$f":"TODAY()","v":"2019-12-11"},null,{"$f":"IF(S40<>\"\",YEAR(Codes!$K$17)+(N40-2)&\" / \"&YEAR(Codes!$K$17)+(I51-1),\"\")","v":""},{"$f":"IF(S40=\"\",\"\",N39+1)","v":""},null,"","","","","","",{"$f":"IF(M40=\"\",\"\",V39+1)","v":""},{"$f":"IF(V40=\"\",\"\",VLOOKUP(V40,Factors!$A$10:$B$51,2,FALSE))","v":""},{"$f":"IF(M40=\"\",\"\",X39-1)","v":""},{"$f":"IF(X40=\"\",\"\",VLOOKUP(X40,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M40=\"\",\"\",Calculator!$D$37*U40)","v":""},"",{"$f":"IF(M40=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"Latest calc date allowed",{"$f":"DATE(YEAR(Calculator!D15)+60,MONTH(Calculator!D15),DAY(Calculator!D15)-1)","v":"1959-12-30"},null,null,"10 years from today",{"$f":"DATE(YEAR(K40)+10,MONTH(K40),DAY(K40))","v":"2029-12-11"},null,{"$f":"IF(S41<>\"\",YEAR(Codes!$K$17)+(N41-2)&\" / \"&YEAR(Codes!$K$17)+(I52-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V41=\"\",\"\",VLOOKUP(V41,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X41=\"\",\"\",VLOOKUP(X41,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M41=\"\",\"\",Calculator!$D$37*U41)","v":""},"",{"$f":"IF(M41=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,"Maximum lump sum payment",{"$f":"IF(OR(ISERROR(G22),ISERROR(G23)),\"\",6500*G22*G23)","v":""},null,null,"Date members is 18",{"$f":"DATE(YEAR(Calculator!D15)+18,MONTH(Calculator!D15),DAY(Calculator!D15))","v":"1917-12-31"},null,{"$f":"IF(S42<>\"\",YEAR(Codes!$K$17)+(N42-2)&\" / \"&YEAR(Codes!$K$17)+(I53-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V42=\"\",\"\",VLOOKUP(V42,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X42=\"\",\"\",VLOOKUP(X42,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M42=\"\",\"\",Calculator!$D$37*U42)","v":""},"",{"$f":"IF(M42=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,"Day before member is 60",{"$f":"DATE(YEAR(Calculator!D15)+60,MONTH(Calculator!D15),DAY(Calculator!D15)-1)","v":"1959-12-30"},null,{"$f":"IF(S43<>\"\",YEAR(Codes!$K$17)+(N43-2)&\" / \"&YEAR(Codes!$K$17)+(I54-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V43=\"\",\"\",VLOOKUP(V43,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X43=\"\",\"\",VLOOKUP(X43,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M43=\"\",\"\",Calculator!$D$37*U43)","v":""},"",{"$f":"IF(M43=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,"Scheme start date","2015-04-01",null,{"$f":"IF(S44<>\"\",YEAR(Codes!$K$17)+(N44-2)&\" / \"&YEAR(Codes!$K$17)+(I55-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V44=\"\",\"\",VLOOKUP(V44,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X44=\"\",\"\",VLOOKUP(X44,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M44=\"\",\"\",Calculator!$D$37*U44)","v":""},"",{"$f":"IF(M44=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S45<>\"\",YEAR(Codes!$K$17)+(N45-2)&\" / \"&YEAR(Codes!$K$17)+(I56-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V45=\"\",\"\",VLOOKUP(V45,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X45=\"\",\"\",VLOOKUP(X45,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M45=\"\",\"\",Calculator!$D$37*U45)","v":""},"",{"$f":"IF(M45=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S46<>\"\",YEAR(Codes!$K$17)+(N46-2)&\" / \"&YEAR(Codes!$K$17)+(I57-1),\"\")","v":""},{"$f":"IF(S46=\"\",\"\",N45+1)","v":""},null,"","","","","","",{"$f":"IF(M46=\"\",\"\",V45+1)","v":""},{"$f":"IF(V46=\"\",\"\",VLOOKUP(V46,Factors!$A$10:$B$51,2,FALSE))","v":""},{"$f":"IF(M46=\"\",\"\",X45-1)","v":""},{"$f":"IF(X46=\"\",\"\",VLOOKUP(X46,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M46=\"\",\"\",Calculator!$D$37*U46)","v":""},"",{"$f":"IF(M46=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S47<>\"\",YEAR(Codes!$K$17)+(N47-2)&\" / \"&YEAR(Codes!$K$17)+(I58-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V47=\"\",\"\",VLOOKUP(V47,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X47=\"\",\"\",VLOOKUP(X47,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M47=\"\",\"\",Calculator!$D$37*U47)","v":""},"",{"$f":"IF(M47=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S48<>\"\",YEAR(Codes!$K$17)+(N48-2)&\" / \"&YEAR(Codes!$K$17)+(I59-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V48=\"\",\"\",VLOOKUP(V48,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X48=\"\",\"\",VLOOKUP(X48,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M48=\"\",\"\",Calculator!$D$37*U48)","v":""},"",{"$f":"IF(M48=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S49<>\"\",YEAR(Codes!$K$17)+(N49-2)&\" / \"&YEAR(Codes!$K$17)+(I60-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V49=\"\",\"\",VLOOKUP(V49,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X49=\"\",\"\",VLOOKUP(X49,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M49=\"\",\"\",Calculator!$D$37*U49)","v":""},"",{"$f":"IF(M49=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S50<>\"\",YEAR(Codes!$K$17)+(N50-2)&\" / \"&YEAR(Codes!$K$17)+(I61-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V50=\"\",\"\",VLOOKUP(V50,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X50=\"\",\"\",VLOOKUP(X50,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M50=\"\",\"\",Calculator!$D$37*U50)","v":""},"",{"$f":"IF(M50=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S51<>\"\",YEAR(Codes!$K$17)+(N51-2)&\" / \"&YEAR(Codes!$K$17)+(I62-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V51=\"\",\"\",VLOOKUP(V51,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X51=\"\",\"\",VLOOKUP(X51,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M51=\"\",\"\",Calculator!$D$37*U51)","v":""},"",{"$f":"IF(M51=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S52<>\"\",YEAR(Codes!$K$17)+(N52-2)&\" / \"&YEAR(Codes!$K$17)+(I63-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V52=\"\",\"\",VLOOKUP(V52,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X52=\"\",\"\",VLOOKUP(X52,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M52=\"\",\"\",Calculator!$D$37*U52)","v":""},"",{"$f":"IF(M52=\"\",\"\",Calculator!$D$42)","v":""},""]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S53<>\"\",YEAR(Codes!$K$17)+(N53-2)&\" / \"&YEAR(Codes!$K$17)+(I64-1),\"\")","v":""},"",null,"","","","","","","",{"$f":"IF(V53=\"\",\"\",VLOOKUP(V53,Factors!$A$10:$B$51,2,FALSE))","v":""},"",{"$f":"IF(X53=\"\",\"\",VLOOKUP(X53,Factors!$F$10:$G$50,2,FALSE))","v":""},{"$f":"IF(M53=\"\",\"\",Calculator!$D$37*U53)","v":""},"",{"$f":"IF(M53=\"\",\"\",Calculator!$D$42)","v":""},""]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AA8:AA53)","v":0},{"$f":"SUM(AB8:AB53)","v":0}]

{"sheet":"Factors","index":2,"n_rows":51,"n_cols":8,"rows_kept":51,"cut":false,"hidden":true,"merged":[]}
["Government Actuary's Department",null,null,null,null,null,null,"2015-05-29"]
[]
["GAD Guidance : Firefighters' Pension Scheme (Scotland) 2015 - Purchase of Additional Pension"]
[]
["Table 1: Added Pension Lump Sum Factors",null,null,null,null,"Table 2: Added Pension Revaluation factor"]
["Males and Females",null,null,null,null,"Males and Females"]
[null,"2015 Scheme",null,null,null,null,"2015 Scheme"]
["Age last birthday on relevant date","Lump Sum factor",null,null,null,"Number of Complete Scheme Years before NRA","Revaluation Factor"]
["(1)","(2)",null,null,null,"(1)","(2)"]
[18,3.82,null,null,null,0,1]
[19,3.99,null,null,null,1,1.02]
[20,4.16,null,null,null,2,1.04]
[21,4.34,null,null,null,3,1.06]
[22,4.5199999999999996,null,null,null,4,1.08]
[23,4.71,null,null,null,5,1.1000000000000001]
[24,4.91,null,null,null,6,1.1299999999999999]
[25,5.1100000000000003,null,null,null,7,1.1499999999999999]
[26,5.33,null,null,null,8,1.17]
[27,5.55,null,null,null,9,1.2]
[28,5.79,null,null,null,10,1.22]
[29,6.03,null,null,null,11,1.24]
[30,6.28,null,null,null,12,1.27]
[31,6.54,null,null,null,13,1.29]
[32,6.81,null,null,null,14,1.32]
[33,7.1,null,null,null,15,1.35]
[34,7.39,null,null,null,16,1.37]
[35,7.7,null,null,null,17,1.4]
[36,8.02,null,null,null,18,1.43]
[37,8.35,null,null,null,19,1.46]
[38,8.69,null,null,null,20,1.49]
[39,9.0500000000000007,null,null,null,21,1.52]
[40,9.42,null,null,null,22,1.55]
[41,9.8000000000000007,null,null,null,23,1.58]
[42,10.199999999999999,null,null,null,24,1.61]
[43,10.62,null,null,null,25,1.64]
[44,11.05,null,null,null,26,1.67]
[45,11.49,null,null,null,27,1.71]
[46,11.95,null,null,null,28,1.74]
[47,12.43,null,null,null,29,1.78]
[48,12.93,null,null,null,30,1.81]
[49,13.45,null,null,null,31,1.85]
[50,13.99,null,null,null,32,1.88]
[51,14.54,null,null,null,33,1.92]
[52,15.12,null,null,null,34,1.96]
[53,15.73,null,null,null,35,2]
[54,16.350000000000001,null,null,null,36,2.04]
[55,17.010000000000002,null,null,null,37,2.08]
[56,17.7,null,null,null,38,2.12]
[57,18.43,null,null,null,39,2.16]
[58,19.2,null,null,null,40,2.21]
[59,20.010000000000002]

{"sheet":"LumpSumPrint1","index":3,"n_rows":21,"n_cols":4,"rows_kept":21,"cut":false,"hidden":true,"merged":[[3,2,3,3]]}
[]
[]
[]
[null,null,"Illustration of added pension benefit cost"]
[null,null,{"$f":"Calculator!C3","v":"Member Details"}]
[null,null,{"$f":"Calculator!C15","v":"Date of Birth "},{"$f":"Calculator!D15","v":"00:00:00"}]
[null,null,"Retirement date (Normal Pension Age NPA=60) ",{"$f":"Codes!B3","v":"1959-12-31"}]
[null,null,{"$f":"Calculator!C21","v":"Calculation date (if blank, will use today's date) "},{"$f":"Codes!G14","v":"2019-12-11"}]
[]
[null,null,"Calculation"]
[null,null," Lump sum payment amount (LS) =",{"$f":"Codes!G21","v":0}]
[null,null,"Age at calculation date (X) =",{"$f":"Codes!G16","v":119}]
[null,null," Relevant factor F(x) =",{"$f":"Codes!G22","v":{"$error":"#N/A"}}]
[null,null," Number of complete scheme year between calculation date and NPA (y) = ",{"$f":"Codes!G17","v":""}]
[null,null," Relevant revaluation factor F(yReval) =",{"$f":"Codes!G23","v":{"$error":"#N/A"}}]
[]
[null,null,"Added pension purchased (P) =","LS/(Fx x FyReval)"]
[null,null," =",{"$f":"Codes!G26","v":{"$error":"#N/A"}}]
[null,null,"Results"]
[null,null,{"$f":"Calculator!C23","v":"Lump sum payment amount"},{"$f":"Calculator!D23","v":0}]
[null,null,{"$f":"Calculator!C25","v":"It will buy me this much added pension"},{"$f":"Calculator!D25","v":""}]

{"sheet":"LumpSumPrint2","index":4,"n_rows":21,"n_cols":4,"rows_kept":21,"cut":false,"hidden":true,"merged":[[3,2,3,3]]}
[]
[]
[]
[null,null,"Illustration of added pension benefit cost"]
[null,null,{"$f":"Calculator!C3","v":"Member Details"}]
[null,null,{"$f":"Calculator!C15","v":"Date of Birth "},{"$f":"Calculator!D15","v":"00:00:00"}]
[null,null,"NPA ",{"$f":"Codes!B3","v":"1959-12-31"}]
[null,null,{"$f":"Calculator!C21","v":"Calculation date (if blank, will use today's date) "},{"$f":"Codes!G14","v":"2019-12-11"}]
[]
[null,null,"Calculation:"]
[null,null,"Amount of added pension to be purchased (P) =",{"$f":"Codes!G31","v":0}]
[null,null,"Age at calculation date (X) =",{"$f":"Codes!G16","v":119}]
[null,null," Relevant factor F(x) =",{"$f":"Codes!G32","v":{"$error":"#N/A"}}]
[null,null," Number of complete scheme year between calculation date and NPA (y) = ",{"$f":"Codes!G17","v":""}]
[null,null," Relevant revaluation factor F(yReval) =",{"$f":"Codes!G33","v":{"$error":"#N/A"}}]
[]
[null,null,{"$f":"Codes!F35","v":"LS ="},"P x Fx x FyReval"]
[null,null,{"$f":"Codes!F36","v":"="},{"$f":"Codes!G36","v":{"$error":"#N/A"}}]
[null,null,"Results"]
[null,null,{"$f":"Calculator!C27","v":"If I want to buy this much added pension "},{"$f":"Calculator!D27","v":0}]
[null,null,{"$f":"Calculator!C29","v":"I will need to pay a lump sum of"},{"$f":"Calculator!D29","v":""}]

{"sheet":"RegularContsPrint1","index":5,"n_rows":76,"n_cols":6,"rows_kept":76,"cut":false,"hidden":true,"merged":[[12,2,12,3],[13,2,13,3],[14,2,14,3],[3,2,3,4],[5,2,5,3],[6,2,6,3],[7,2,7,3],[8,2,8,3],[11,2,11,3],[75,2,75,5],[15,2,15,3],[16,2,16,3],[17,2,17,3],[18,2,18,3],[17,4,17,5],[22,2,22,3]]}
[]
[]
[]
[null,null,"Illustration of added pension benefit cost"]
[null,null,{"$f":"Calculator!C3","v":"Member Details"}]
[null,null,{"$f":"Calculator!C15","v":"Date of Birth "},null,{"$f":"Calculator!D15","v":"00:00:00"}]
[null,null,"NPA",null,{"$f":"Codes!B3","v":"1959-12-31"}]
[null,null,{"$f":"Calculator!C33","v":"Start date of periodic payments (if blank, will use today's date)"},null,{"$f":"Codes!K15","v":"2019-12-11"}]
[null,null,{"$f":"Calculator!C35","v":"End date of periodic contributions (if blank, will quote to end of scheme year 31 March 2020)"},null,{"$f":"Codes!K19","v":"2020-03-31"}]
[]
[null,null,"First year calculation"]
[null,null,"Monthly Contributions =",null,{"$f":"Calculator!D37","v":0}]
[null,null,"Total contributions for first year (C) =",null,{"$f":"Codes!Z8","v":""}]
[null,null,"Age at contribution end of start date scheme year (X) =",null,{"$f":"Codes!V8","v":0}]
[null,null," Relevant factor (Fx) =",null,{"$f":"Codes!W8","v":{"$error":"#N/A"}}]
[null,null,"Number of subsequent scheme years up to NPA (y) =",null,{"$f":"Codes!X8","v":{"$error":"#NUM!"}}]
[null,null," Relevant revaluation factor (Fy Reval) =",null,{"$f":"Codes!Y8","v":{"$error":"#NUM!"}}]
[null,null,"Amount of added pension purchased (P) =",null,"(1.025 x C)/(Fx x FyReval)"]
[null,null,"=",null,{"$f":"Codes!AA8","v":""}]
[]
[]
[null,null,"Results"]
[null,null,"Monthly contribution amount",null,{"$f":"Calculator!D37","v":0}]
[null,null,"Contribution period","Number of payments in year","Amount added to balance","Total AP balance"]
[null,null,{"$f":"Codes!M8","v":""},{"$f":"Codes!U8","v":""},{"$f":"Codes!AA8","v":""},{"$f":"IF(E25=\"\",\"\",E25)","v":""}]
[null,null,{"$f":"Codes!M9","v":""},{"$f":"Codes!U9","v":""},{"$f":"Codes!AA9","v":""},{"$f":"IF(E26=\"\",\"\",E26+F25)","v":""}]
[null,null,{"$f":"Codes!M10","v":""},{"$f":"Codes!U10","v":""},{"$f":"Codes!AA10","v":""},{"$f":"IF(E27=\"\",\"\",E27+F26)","v":""}]
[null,null,{"$f":"Codes!M11","v":""},{"$f":"Codes!U11","v":""},{"$f":"Codes!AA11","v":""},{"$f":"IF(E28=\"\",\"\",E28+F27)","v":""}]
[null,null,{"$f":"Codes!M12","v":""},{"$f":"Codes!U12","v":""},{"$f":"Codes!AA12","v":""},{"$f":"IF(E29=\"\",\"\",E29+F28)","v":""}]
[null,null,{"$f":"Codes!M13","v":""},{"$f":"Codes!U13","v":""},{"$f":"Codes!AA13","v":""},{"$f":"IF(E30=\"\",\"\",E30+F29)","v":""}]
[null,null,{"$f":"Codes!M14","v":""},{"$f":"Codes!U14","v":""},{"$f":"Codes!AA14","v":""},""]
[null,null,{"$f":"Codes!M15","v":""},{"$f":"Codes!U15","v":""},{"$f":"Codes!AA15","v":""},""]
[null,null,{"$f":"Codes!M16","v":""},{"$f":"Codes!U16","v":""},{"$f":"Codes!AA16","v":""},""]
[null,null,{"$f":"Codes!M17","v":""},{"$f":"Codes!U17","v":""},{"$f":"Codes!AA17","v":""},""]
[null,null,{"$f":"Codes!M18","v":""},{"$f":"Codes!U18","v":""},{"$f":"Codes!AA18","v":""},""]
[null,null,{"$f":"Codes!M19","v":""},{"$f":"Codes!U19","v":""},{"$f":"Codes!AA19","v":""},{"$f":"IF(E36=\"\",\"\",E36+F35)","v":""}]
[null,null,{"$f":"Codes!M20","v":""},{"$f":"Codes!U20","v":""},{"$f":"Codes!AA20","v":""},""]
[null,null,{"$f":"Codes!M21","v":""},{"$f":"Codes!U21","v":""},{"$f":"Codes!AA21","v":""},""]
[null,null,{"$f":"Codes!M22","v":""},{"$f":"Codes!U22","v":""},{"$f":"Codes!AA22","v":""},""]
[null,null,{"$f":"Codes!M23","v":""},{"$f":"Codes!U23","v":""},{"$f":"Codes!AA23","v":""},""]
[null,null,{"$f":"Codes!M24","v":""},{"$f":"Codes!U24","v":""},{"$f":"Codes!AA24","v":""},""]
[null,null,{"$f":"Codes!M25","v":""},{"$f":"Codes!U25","v":""},{"$f":"Codes!AA25","v":""},""]
[null,null,{"$f":"Codes!M26","v":""},{"$f":"Codes!U26","v":""},{"$f":"Codes!AA26","v":""},{"$f":"IF(E43=\"\",\"\",E43+F42)","v":""}]
[null,null,{"$f":"Codes!M27","v":""},{"$f":"Codes!U27","v":""},{"$f":"Codes!AA27","v":""},""]
[null,null,{"$f":"Codes!M28","v":""},{"$f":"Codes!U28","v":""},{"$f":"Codes!AA28","v":""},""]
[null,null,{"$f":"Codes!M29","v":""},{"$f":"Codes!U29","v":""},{"$f":"Codes!AA29","v":""},""]
[null,null,{"$f":"Codes!M30","v":""},{"$f":"Codes!U30","v":""},{"$f":"Codes!AA30","v":""},""]
[null,null,{"$f":"Codes!M31","v":""},{"$f":"Codes!U31","v":""},{"$f":"Codes!AA31","v":""},""]
[null,null,{"$f":"Codes!M32","v":""},{"$f":"Codes!U32","v":""},{"$f":"Codes!AA32","v":""},{"$f":"IF(E49=\"\",\"\",E49+F48)","v":""}]
[null,null,{"$f":"Codes!M33","v":""},{"$f":"Codes!U33","v":""},{"$f":"Codes!AA33","v":""},""]
[null,null,{"$f":"Codes!M34","v":""},{"$f":"Codes!U34","v":""},{"$f":"Codes!AA34","v":""},""]
[null,null,{"$f":"Codes!M35","v":""},{"$f":"Codes!U35","v":""},{"$f":"Codes!AA35","v":""},""]
[null,null,{"$f":"Codes!M36","v":""},{"$f":"Codes!U36","v":""},{"$f":"Codes!AA36","v":""},""]
[null,null,{"$f":"Codes!M37","v":""},{"$f":"Codes!U37","v":""},{"$f":"Codes!AA37","v":""},""]
[null,null,{"$f":"Codes!M38","v":""},{"$f":"Codes!U38","v":""},{"$f":"Codes!AA38","v":""},""]
[null,null,{"$f":"Codes!M39","v":""},{"$f":"Codes!U39","v":""},{"$f":"Codes!AA39","v":""},""]
[null,null,{"$f":"Codes!M40","v":""},{"$f":"Codes!U40","v":""},{"$f":"Codes!AA40","v":""},{"$f":"IF(E57=\"\",\"\",E57+F56)","v":""}]
[null,null,{"$f":"Codes!M41","v":""},{"$f":"Codes!U41","v":""},{"$f":"Codes!AA41","v":""},""]
[null,null,{"$f":"Codes!M42","v":""},{"$f":"Codes!U42","v":""},{"$f":"Codes!AA42","v":""},""]
[null,null,{"$f":"Codes!M43","v":""},{"$f":"Codes!U43","v":""},{"$f":"Codes!AA43","v":""},""]
[null,null,{"$f":"Codes!M44","v":""},{"$f":"Codes!U44","v":""},{"$f":"Codes!AA44","v":""},""]
[null,null,{"$f":"Codes!M45","v":""},{"$f":"Codes!U45","v":""},{"$f":"Codes!AA45","v":""},""]
[null,null,{"$f":"Codes!M46","v":""},{"$f":"Codes!U46","v":""},{"$f":"Codes!AA46","v":""},""]
[null,null,{"$f":"Codes!M47","v":""},{"$f":"Codes!U47","v":""},{"$f":"Codes!AA47","v":""},""]
[null,null,{"$f":"Codes!M48","v":""},{"$f":"Codes!U48","v":""},{"$f":"Codes!AA48","v":""},""]
[null,null,{"$f":"Codes!M49","v":""},{"$f":"Codes!U49","v":""},{"$f":"Codes!AA49","v":""},""]
[null,null,{"$f":"Codes!M50","v":""},{"$f":"Codes!U50","v":""},{"$f":"Codes!AA50","v":""},""]
[null,null,{"$f":"Codes!M51","v":""},{"$f":"Codes!U51","v":""},{"$f":"Codes!AA51","v":""},""]
[null,null,{"$f":"Codes!M52","v":""},{"$f":"Codes!U52","v":""},{"$f":"Codes!AA52","v":""},""]
[null,null,{"$f":"Codes!M53","v":""},{"$f":"Codes!U53","v":""},{"$f":"Codes!AA53","v":""},""]
[null,null,"Total added pension pa added to balance:-",null,{"$f":"IF(OR(ISERROR(E25),E25=\"\"),\"\",SUM(E25:E70))","v":""}]
[null,null,{"$f":"IF(E71>Codes!B14,\"The maximum added pension balance is currently £\"&Codes!B14&\".\n Please review your purchase amount or contribution period\",\"\")","v":"The maximum added pension balance is currently £6500.\n Please review your purchase amount or contribution period"}]
[]
[]
[]
[null,null,"Note:\nThis calculator can provide an estimate, at todays prices, up to your normal pension date. However please note that amounts will be calculated each year and the factors may change in the future affecting the accuracy of the estimate. \n\nYour added pension balance will be revalued annually to maintain it's purchasing power. If you retire before Normal Pension Age then your added pension purchase (as well as your pension) will be subject to early retirement factors."]

{"sheet":"RegularContsPrint2","index":6,"n_rows":67,"n_cols":6,"rows_kept":67,"cut":false,"hidden":true,"merged":[[3,2,3,4],[18,4,18,5],[11,2,11,3],[12,2,12,3],[13,2,13,3],[14,2,14,3],[15,2,15,3],[16,2,16,3],[17,2,17,3],[18,2,18,3],[66,2,66,5],[61,2,61,4],[19,2,19,3],[21,2,21,3],[5,2,5,3],[6,2,6,3],[7,2,7,3],[8,2,8,3],[62,2,62,5]]}
[]
[]
[]
[null,null,"Illustration of added pension benefit cost"]
[null,null,{"$f":"Calculator!C3","v":"Member Details"}]
[null,null,{"$f":"Calculator!C15","v":"Date of Birth "},null,{"$f":"Calculator!D15","v":"00:00:00"}]
[null,null,"NPA",null,{"$f":"Codes!B3","v":"1959-12-31"}]
[null,null,{"$f":"Calculator!C33","v":"Start date of periodic payments (if blank, will use today's date)"},null,{"$f":"Codes!K15","v":"2019-12-11"}]
[null,null,{"$f":"Calculator!C35","v":"End date of periodic contributions (if blank, will quote to end of scheme year 31 March 2020)"},null,{"$f":"Codes!K19","v":"2020-03-31"}]
[]
[null,null,"Calculation for the first scheme year of contributions"]
[null,null,"Amount of added pension to be purchased (P) =",null,{"$f":"Codes!AB8","v":""}]
[null,null,"Number of payments within the first scheme year =",null,{"$f":"Codes!U8","v":""}]
[null,null,"Age at calculation date (X) =",null,{"$f":"Codes!V8","v":0}]
[null,null," Relevant factor (Fx) =",null,{"$f":"Codes!W8","v":{"$error":"#N/A"}}]
[null,null,"Number of subsequent scheme years up to NPA (y) =",null,{"$f":"Codes!X8","v":{"$error":"#NUM!"}}]
[null,null," Relevant revaluation factor (FyReval) =",null,{"$f":"Codes!Y8","v":{"$error":"#NUM!"}}]
[]
[null,null,"Monthly Payments =",null,"(P x Fx x FyReval)/(number of monthly conts x 1.025)"]
[null,null,"=",null,{"$f":"Codes!AC8","v":""}]
[null,null,"Results"]
[null,null,"Amount added pension balance to increase by each year",null,{"$f":"Calculator!D42","v":0}]
[null,null,"Contribution period","Number of payments in year","Monthly contribution amount required","Total AP balance"]
[{"$f":"IF(E24<>\"\",1,0)","v":0},null,{"$f":"Codes!M8","v":""},{"$f":"Codes!U8","v":""},{"$f":"Codes!AC8","v":""},{"$f":"IF(E24=\"\",\"\",Calculator!$D$42)","v":""}]
[{"$f":"IF(E25<>\"\",1,0)","v":0},null,{"$f":"Codes!M9","v":""},{"$f":"Codes!U9","v":""},{"$f":"Codes!AC9","v":""},{"$f":"IF(E25=\"\",\"\",Calculator!$D$42+F24)","v":""}]
[0,null,{"$f":"Codes!M10","v":""},{"$f":"Codes!U10","v":""},{"$f":"Codes!AC10","v":""},{"$f":"IF(E26=\"\",\"\",Calculator!$D$42+F25)","v":""}]
[0,null,{"$f":"Codes!M11","v":""},{"$f":"Codes!U11","v":""},{"$f":"Codes!AC11","v":""},{"$f":"IF(E27=\"\",\"\",Calculator!$D$42+F26)","v":""}]
[0,null,{"$f":"Codes!M12","v":""},{"$f":"Codes!U12","v":""},{"$f":"Codes!AC12","v":""},{"$f":"IF(E28=\"\",\"\",Calculator!$D$42+F27)","v":""}]
[0,null,{"$f":"Codes!M13","v":""},{"$f":"Codes!U13","v":""},{"$f":"Codes!AC13","v":""},{"$f":"IF(E29=\"\",\"\",Calculator!$D$42+F28)","v":""}]
[0,null,{"$f":"Codes!M14","v":""},{"$f":"Codes!U14","v":""},{"$f":"Codes!AC14","v":""},{"$f":"IF(E30=\"\",\"\",Calculator!$D$42+F29)","v":""}]
[0,null,{"$f":"Codes!M15","v":""},{"$f":"Codes!U15","v":""},{"$f":"Codes!AC15","v":""},{"$f":"IF(E31=\"\",\"\",Calculator!$D$42+F30)","v":""}]
[0,null,{"$f":"Codes!M16","v":""},{"$f":"Codes!U16","v":""},{"$f":"Codes!AC16","v":""},{"$f":"IF(E32=\"\",\"\",Calculator!$D$42+F31)","v":""}]
[0,null,{"$f":"Codes!M17","v":""},{"$f":"Codes!U17","v":""},{"$f":"Codes!AC17","v":""},{"$f":"IF(E33=\"\",\"\",Calculator!$D$42+F32)","v":""}]
[0,null,{"$f":"Codes!M18","v":""},{"$f":"Codes!U18","v":""},{"$f":"Codes!AC18","v":""},{"$f":"IF(E34=\"\",\"\",Calculator!$D$42+F33)","v":""}]
[0,null,{"$f":"Codes!M19","v":""},{"$f":"Codes!U19","v":""},{"$f":"Codes!AC19","v":""},{"$f":"IF(E35=\"\",\"\",Calculator!$D$42+F34)","v":""}]
[0,null,{"$f":"Codes!M20","v":""},{"$f":"Codes!U20","v":""},{"$f":"Codes!AC20","v":""},{"$f":"IF(E36=\"\",\"\",Calculator!$D$42+F35)","v":""}]
[0,null,{"$f":"Codes!M21","v":""},{"$f":"Codes!U21","v":""},{"$f":"Codes!AC21","v":""},{"$f":"IF(E37=\"\",\"\",Calculator!$D$42+F36)","v":""}]
[0,null,{"$f":"Codes!M22","v":""},{"$f":"Codes!U22","v":""},{"$f":"Codes!AC22","v":""},{"$f":"IF(E38=\"\",\"\",Calculator!$D$42+F37)","v":""}]
[0,null,{"$f":"Codes!M23","v":""},{"$f":"Codes!U23","v":""},{"$f":"Codes!AC23","v":""},{"$f":"IF(E39=\"\",\"\",Calculator!$D$42+F38)","v":""}]
[0,null,{"$f":"Codes!M24","v":""},{"$f":"Codes!U24","v":""},{"$f":"Codes!AC24","v":""},{"$f":"IF(E40=\"\",\"\",Calculator!$D$42+F39)","v":""}]
[0,null,{"$f":"Codes!M25","v":""},{"$f":"Codes!U25","v":""},{"$f":"Codes!AC25","v":""},{"$f":"IF(E41=\"\",\"\",Calculator!$D$42+F40)","v":""}]
[0,null,{"$f":"Codes!M26","v":""},{"$f":"Codes!U26","v":""},{"$f":"Codes!AC26","v":""},{"$f":"IF(E42=\"\",\"\",Calculator!$D$42+F41)","v":""}]
[0,null,{"$f":"Codes!M27","v":""},{"$f":"Codes!U27","v":""},{"$f":"Codes!AC27","v":""},{"$f":"IF(E43=\"\",\"\",Calculator!$D$42+F42)","v":""}]
[0,null,{"$f":"Codes!M28","v":""},{"$f":"Codes!U28","v":""},{"$f":"Codes!AC28","v":""},{"$f":"IF(E44=\"\",\"\",Calculator!$D$42+F43)","v":""}]
[0,null,{"$f":"Codes!M29","v":""},{"$f":"Codes!U29","v":""},{"$f":"Codes!AC29","v":""},{"$f":"IF(E45=\"\",\"\",Calculator!$D$42+F44)","v":""}]
[0,null,{"$f":"Codes!M30","v":""},{"$f":"Codes!U30","v":""},{"$f":"Codes!AC30","v":""},{"$f":"IF(E46=\"\",\"\",Calculator!$D$42+F45)","v":""}]
[0,null,{"$f":"Codes!M31","v":""},{"$f":"Codes!U31","v":""},{"$f":"Codes!AC31","v":""},{"$f":"IF(E47=\"\",\"\",Calculator!$D$42+F46)","v":""}]
[0,null,{"$f":"Codes!M32","v":""},{"$f":"Codes!U32","v":""},{"$f":"Codes!AC32","v":""},{"$f":"IF(E48=\"\",\"\",Calculator!$D$42+F47)","v":""}]
[0,null,{"$f":"Codes!M33","v":""},{"$f":"Codes!U33","v":""},{"$f":"Codes!AC33","v":""},{"$f":"IF(E49=\"\",\"\",Calculator!$D$42+F48)","v":""}]
[0,null,{"$f":"Codes!M34","v":""},{"$f":"Codes!U34","v":""},{"$f":"Codes!AC34","v":""},{"$f":"IF(E50=\"\",\"\",Calculator!$D$42+F49)","v":""}]
[0,null,{"$f":"Codes!M35","v":""},{"$f":"Codes!U35","v":""},{"$f":"Codes!AC35","v":""},{"$f":"IF(E51=\"\",\"\",Calculator!$D$42+F50)","v":""}]
[0,null,{"$f":"Codes!M36","v":""},{"$f":"Codes!U36","v":""},{"$f":"Codes!AC36","v":""},{"$f":"IF(E52=\"\",\"\",Calculator!$D$42+F51)","v":""}]
[0,null,{"$f":"Codes!M37","v":""},{"$f":"Codes!U37","v":""},{"$f":"Codes!AC37","v":""},{"$f":"IF(E53=\"\",\"\",Calculator!$D$42+F52)","v":""}]
[0,null,{"$f":"Codes!M38","v":""},{"$f":"Codes!U38","v":""},{"$f":"Codes!AC38","v":""},{"$f":"IF(E54=\"\",\"\",Calculator!$D$42+F53)","v":""}]
[0,null,{"$f":"Codes!M39","v":""},{"$f":"Codes!U39","v":""},{"$f":"Codes!AC39","v":""},{"$f":"IF(E55=\"\",\"\",Calculator!$D$42+F54)","v":""}]
[{"$f":"IF(E56<>\"\",1,0)","v":0},null,{"$f":"Codes!M40","v":""},{"$f":"Codes!U40","v":""},{"$f":"Codes!AC40","v":""},{"$f":"IF(E56=\"\",\"\",Calculator!$D$42+F55)","v":""}]
[0,null,{"$f":"Codes!M41","v":""},{"$f":"Codes!U41","v":""},{"$f":"Codes!AC41","v":""},{"$f":"IF(E57=\"\",\"\",Calculator!$D$42+F56)","v":""}]
[0,null,{"$f":"Codes!M42","v":""},{"$f":"Codes!U42","v":""},{"$f":"Codes!AC42","v":""},{"$f":"IF(E58=\"\",\"\",Calculator!$D$42+F57)","v":""}]
[0,null,{"$f":"Codes!M43","v":""},{"$f":"Codes!U43","v":""},{"$f":"Codes!AC43","v":""},{"$f":"IF(E59=\"\",\"\",Calculator!$D$42+F58)","v":""}]
[0,null,{"$f":"Codes!M44","v":""},{"$f":"Codes!U44","v":""},{"$f":"Codes!AC44","v":""},{"$f":"IF(E60=\"\",\"\",Calculator!$D$42+F59)","v":""}]
[0,null,{"$f":"Codes!M45","v":""},{"$f":"Codes!U45","v":""},{"$f":"Codes!AC45","v":""},{"$f":"IF(E61=\"\",\"\",Calculator!$D$42+F60)","v":""}]
[null,null,"Total added pension balance at the end of the contribution period:",null,null,{"$f":"IF(F24=\"\",\"\",SUM(A24:A61)*Calculator!D42)","v":""}]
[null,null,{"$f":"IF(F62=\"\",\"\",IF(F62>Codes!B14,\"The maximum added pension balance is currently £\"&Codes!B14&\". Please review your purchase amount or contribution period\",\"\"))","v":""}]
[]
[]
[]
[null,null,"Note:\nThis calculator can provide an estimate, at todays prices, up to your normal pension date. However please note that amounts will be calculated each year and the factors may change in the future affecting the accuracy of the estimate. \n\nYour added pension balance will be revalued annually to maintain it's purchasing power. If you retire before Normal Pension Age then your added pension purchase (as well as your pension) will be subject to early retirement factors."]

{"sheet":"Application","index":7,"n_rows":56,"n_cols":13,"rows_kept":56,"cut":false,"hidden":true,"merged":[[11,6,11,14],[13,6,13,14],[15,6,15,14],[46,6,46,14],[47,6,47,14],[26,5,26,6],[24,1,24,15],[27,5,27,6],[14,1,14,2],[16,1,16,2],[17,6,17,14],[18,1,18,2],[28,5,28,6],[30,1,30,15],[32,1,32,15],[37,1,37,15],[48,6,48,14],[38,1,38,15],[49,6,49,14],[43,4,43,5],[59,3,59,10],[46,1,46,4],[48,1,48,4],[55,2,55,4],[50,7,50,14],[6,1,6,4],[8,1,8,4],[10,1,10,4],[1,1,1,15],[4,3,4,7],[4,1,4,2],[6,6,6,14],[7,6,7,14],[8,6,8,14],[9,7,9,14]]}
[]
[null,"APPLICATION FORM FOR ADDED PENSION"]
[]
[null,"SECTION 1 - PERSONAL DETAILS"]
[null,"National Insurance No",null,{"$f":"IF(Calculator!D14=\"\",\"\",Calculator!D14)","v":""}]
[null,"Surname",null,null,null,null,"Contact Address"]
[null,{"$f":"IF(Calculator!D4=\"\",\"\",Calculator!D4)","v":""},null,null,null,null,{"$f":"IF(Calculator!D7=\"\",\"\",Calculator!D7)","v":""}]
[null,"Former surname (if applicable)",null,null,null,null,{"$f":"IF(Calculator!D8=\"\",\"\",Calculator!D8)","v":""}]
[null,{"$f":"IF(Calculator!D5=\"\",\"N/A\",Calculator!D5)","v":"N/A"},null,null,null,null,{"$f":"IF(Calculator!D9=\"\",\"\",Calculator!D9)","v":""}]
[null,"Forenames (in full)",null,null,null,null,"Postcode",{"$f":"IF(Calculator!D10=\"\",\"\",Calculator!D10)","v":""}]
[null,{"$f":"IF(Calculator!D6=\"\",\"\",Calculator!D6)","v":""},null,null,null,null,"Home telephone number (including STD code)"]
[null,"Title",null,null,null,null,{"$f":"IF(Calculator!D11=\"\",\"\",Calculator!D11)","v":""}]
[null,{"$f":"IF(Calculator!G4=\"\",\"\",Calculator!G4)","v":""},null,null,null,null,"Mobile telephone number"]
[null,"If other, please specify",null,null,null,null,{"$f":"IF(Calculator!D12=\"\",\"\",Calculator!D12)","v":""}]
[null,{"$f":"IF(Calculator!G4<>\"Other\",\"N/A\",IF(Calculator!H6=\"\",\"\",Calculator!H6))","v":"N/A"},null,null,null,null,"Email address"]
[null,"Date of birth",null,null,null,null,{"$f":"IF(Calculator!D13=\"\",\"\",Calculator!D13)","v":""}]
[null,{"$f":"IF(Calculator!D15=\"\",\"\",Calculator!D15)","v":""},null,null,null,null,"Current employer"]
[null,"Gender",null,null,null,null,{"$f":"IF(Calculator!D17=\"\",\"\",Calculator!D17)","v":""}]
[null,{"$f":"IF(Calculator!D16=\"\",\"\",Calculator!D16)","v":""}]
[]
[]
[null,"SECTION 2 - OPTIONS"]
[null,{"$f":"\"Maximum limit £\"&Codes!B14&\" added pension for tax year 2015/2016\"","v":"Maximum limit £6500 added pension for tax year 2015/2016"}]
[null,"Option 1 - Lump Sum Payment"]
[null,"You may only pay by lump sum within the first 12 months from joining the scheme."]
[]
[null,"I wish to purchase added pension of:",null,null,null,{"$f":"IF(Calculator!J18=\"Regular Contributions\",\"N/A\",IF(Calculator!D27=\"\",Calculator!D25,Calculator!D27))","v":""}]
[null,"By single payment of:",null,null,null,{"$f":"IF(Calculator!J18=\"Regular Contributions\",\"N/A\",IF(Calculator!D27<>\"\",Calculator!D29,Calculator!D23))","v":0}]
[null,"Calculation date:",null,null,null,{"$f":"IF(Calculator!J18=\"Regular Contributions\",\"N/A\",Codes!G14)","v":"2019-12-11"}]
[]
[null,"Payment must be received within 1 month of the stated calculation date for the estimate to be valid."]
[]
[null,"Please return the completed form to: Police and Fire Team, SPPA , 7 Tweedside Park, Tweedbank, Galashiels, TD1 3TE along with the estimate. Please DO NOT send payment at this time."]
[]
[]
[]
[null,"Option 2 - Monthly Contributions"]
[null,"Please return the completed form to: Police and Fire Team, SPPA , 7 Tweedside Park, Tweedbank, Galashiels, TD1 3TE along with the estimate. The SPPA will review the application and then contact your Payroll team to arrange payment of additional contributions."]
[null,"Contributions must start at least 2 years before you Normal Pension Age."]
[]
[null,"I wish to pay the monthly instalments shown in the attached schedule. I understand that if"]
[null,"the application is processed after this start date my monthly contributions or final Additional"]
[null,"Pension amount will be adjusted."]
[null,"From",{"$f":"IF(Calculator!J18=\"Lump Sum\",\"\",Codes!K15)","v":""},"To",{"$f":"IF(Calculator!J18=\"Lump Sum\",\"\",Codes!K19)","v":""}]
[]
[null,"Name of employer",null,null,null,null,"Contact Address"]
[null,{"$f":"IF(OR(Calculator!J18=\"Lump Sum\",Calculator!D17=\"\"),\"\",Calculator!D17)","v":""}]
[null,"Pay reference Number"]
[]
[]
[null,null,null,null,null,null,"Postcode"]
[]
[]
[null,"SECTION 3 - DECLARATION"]
[]
[null,"Signed",null,null,null,null,"Date",null,null,"/",null,null,"/"]

{"sheet":"GuidanceNotes","index":8,"n_rows":43,"n_cols":6,"rows_kept":43,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Added Pension (AP) guidance notes"]
[null,"Disclaimer:\nThis calculation is intended for illustration purposes only. This is not a statement of you legal entitlement. While every care has been taken in the preparation of this calculator the Scottish Public Pension Agency will accept no responsibility for the accuracy of the information it provides.\n\nPlease refer to pages on the SPPA website for points of contact and other benefits available."]
[null,"Using the calculator\nYou must be a contributing member of the Firefighters’ Pension Scheme (Scotland) 2015.\n\nAP benefits will be paid with your scheme retirement benefits and will be index linked.\n\nThe cost of purchasing AP depends on your age, your Normal Pension Age (NPA) and the amount of AP you wish to receive.\n\nCurrently the maximum AP allowed is £6500, however this is subject to change and will be reviewed annually. "]
[null,"There are two ways you can pay for AP. You can pay by having regular deductions taken from your monthly salary or by paying a one off lump sum. Your added pension balance will be revalued annually to maintain its purchasing power. If you retire before Normal Pension Age then your added pension purchase (as well as your pension) will be subject to early retirement factors. The added pension includes a 50% survivors benefit in the event of your death."]
[null,"Paying by Lump Sum\nIf paying by lump sum, you have the following options:\n     • buy an amount of added pension and we will determine the lump sum cost required\n     • pay a specific lump sum and we will determine how much added pension that will buy\n\nAn election to pay added pension by a lump sum payment may only be made if the member gives notice to the scheme manager not later than 12 months after the date on which the person last became employed by the authority as a firefighter."]
[null,"Paying by Regular Contributions\nIf paying by regular contributions, you have the following options:\n     • pay a specific amount of contributions from the election date to the end of the scheme year and we will determine how \n       much added pension that will buy \n     • buy a specific amount of AP and we will determine the contribution required from the election date to the end of the\n       scheme year\n\nAn election to pay added pension payments by periodical payments may only be made at least two years before  normal pension age and cannot be made once the scheme manager has agreed that the member will leave the scheme with entitlement to a pension or an ill health pension.\n\nThis calculator can provide an estimate, at today's prices, up to your normal pension date. However please note that amounts will be calculated each year and the factors may change in the future affecting the accuracy of the estimate. "]
[null,"Limitations\nThis calculator can provide an estimate, at todays prices, up to your retirement date. However please note that amounts will be calculated each year and the factors may change in the future affecting the accuracy of the estimate. "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,"G"]