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[null,null,null,null,null,null,null,null,null,null,null,null,null," "]
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[null,"Version","2022-07-21"]

{"sheet":"Guide","index":1,"n_rows":32,"n_cols":11,"rows_kept":32,"cut":false,"hidden":false,"merged":[[0,10,1,16]]}
[null,null,null,null,null,null,null,null,null,null,"How To Guide - 3 Easy Steps"]
[]
[null,null,"STEP 1"]
[]
[null,null,"Obtain 30 day average rate from XE.com - copy and past the  FX Rate proof page  (see how to obtain rate and table to be used below)"]
[null,null,"Foreign Currency Exchange Rate - www.xe.com "]
[]
[]
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[]
[null,null,"STEP 2 "]
[null,null,"2) Complete the Rate table. Enter all the currencies and rates you will be using (obtained from XE.com and in proof page). Exchange rates provided in this section will be populated for the rest of the relative currency conversions."]
[null,null,"3) In ALL Cases, complete the  Base FX Income fields"]
[null,null,"4) FX Bonus: use this section if applicant earned bonuses for 2 consecutive years OR if you will be using the bonus and base income to calculate overtime (note - if 2 years overtime is to be calculated and NIL bonuses earnt then place \"0\" in the relative bonus fields)"]
[null,null,"5) Overtime: only use one of the three sections:  regular OT , OT by hour or OT by base and bonus. "]
[null,null,"6) Foreign Rental Income: complete as necessary "]
[null,null,"7) \"Other FX Conversions\" Will NOT pre-populate into the serviceability calculator.  All manual conversions will need to be manually input and combined with any other expenses where appropriate.  "]
[null,null," E.g..  You convert a Foreign Loan which results in AUD Limit of $100,000 and Monthly Repayment of $1,200 per month and in addition to that, the client has a loan in AUS with Limit of $250,000 and repayments of $2,800 per month. "]
[null,null,"  Total Limit to be expensed would be $350,000 and total monthly repayment to be entered would be $4,000 per month."]
[]
[]
[null,null,"STEP 3"]
[null,null,"1) Fields in YELLOW are to be completed where appropriate"]
[null,null,"2) 5% HEM To be \"YES\" where foreign income is involved"]
[null,null,"3) All YELLOW fields under the \"Annual Income\" Section is for any AUD income earnt by applicants"]
[null,null,"4) All Converted and FX shaded Foreign Income will automatically be pulled into the serviceability calculator.  This section is in GREY and can not be amended in the serviceability section"]
[null,null,"5) All expenses are to be manually input (remember you can convert any foreign expenses and liabilities in the FX calculator to then manually input)"]
[null,null,"6) All figures input in the Serviceability section are in AUD"]

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[null,"Foreign Currency Exchange Rate - www.xe.com "]
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[null,null,null,null,null,null,null,null,null,null,null,"PASTE RATES HERE"]

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[{"$f":"Guide!Z1","v":0},null,"Version: 26 Oct 2018"]
[]
["Applicant 1"]
["Applicant 2",null,null,"Rate Table"]
["Applicant 3",null,null,"Currency","30-D Avg Rate (Base=AUD)"]
["Applicant 4",null,null,"Select"]
["Select",null,null,"Select"]
["AED",8.3539820174679966E-2,80,"Select"]
["BDT",null,80,"Select"]
["BND","wrong",90,"Select"]
["CAD",6.2756955910968207E-2,90,"Foreign Currency Exchange Rate - www.xe.com "]
["CHF",8.0407995668574622E-2,90]
["CNY",7.9805182345515743E-2,90,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4"]
["DKK",6.1699999999999998E-2,90,"1. Base FX Income"]
["EUR",6.7376081918175304E-2,90,"Currency","Select","Select","Select","Select"]
["FJD"," ",90,"30-D Avg Rate",{"$f":"IF(E15=\"Select\",\"\",IFERROR(VLOOKUP(E15,$D$6:$E$10,2,FALSE),\"RATE TABLE\"))","v":""},{"$f":"IF(F15=\"Select\",\"\",IFERROR(VLOOKUP(F15,$D$6:$E$10,2,FALSE),\"RATE TABLE\"))","v":""},"",""]
["GBP",8.9953254343893604E-2,90,"Income Cycle","Select","Select","Select","Select"]
["HKD",8.3122723356967396E-2,90,"Pay Per Cycle"]
["IDR",9.5355306729240585E-2,90,"Annualized Income",{"$f":"IFERROR(VLOOKUP(E17,$A$54:$B$58,2,FALSE)*E18,\"\")","v":""},{"$f":"IFERROR(VLOOKUP(F17,$A$54:$B$58,2,FALSE)*F18,\"\")","v":""},{"$f":"IFERROR(VLOOKUP(G17,$A$54:$B$58,2,FALSE)*G18,\"\")","v":""},{"$f":"IFERROR(VLOOKUP(H17,$A$54:$B$58,2,FALSE)*H18,\"\")","v":""}]
["INR",8.4628678109924249E-2,90,"Shading",{"$f":"VLOOKUP(E15,$A$7:$C$45,3,FALSE)","v":0},{"$f":"VLOOKUP(F15,$A$7:$C$45,3,FALSE)","v":0},0,0]
["JPY",9.5264237923991454E-2,90,"Shaded Income",{"$f":"IFERROR(E20*E19/100,\"\")","v":""},{"$f":"IFERROR(F20*F19/100,\"\")","v":""},"",""]
["KRW",null,90,"Shaded income - AUD",{"$f":"IFERROR(E21/E$16,0)","v":0},{"$f":"IFERROR(F21/F$16,0)","v":0},0,0]
["KWD",7.17,90]
["LKR",null,90,"2. FX Bonus (Annual)"]
["MNT",8.01,90,"Previous Bonus"]
["MOP",8.2351636903904929E-2,90,"Latest Bonus"]
["MXN",8.9599999999999999E-2,90,"Lowest Bonus from the last 2 periods",{"$f":"IFERROR(MIN(E25:E26),\"\")","v":0},{"$f":"IFERROR(MIN(F25:F26),\"\")","v":0},0,0]
["MYR",8.5869007712452497E-2,90,"Shading",{"$f":"E20","v":0},{"$f":"F20","v":0},0,0]
["NOK",6.3,90,"Shaded Income",{"$f":"IFERROR(E28*E27/100,\"\")","v":0},{"$f":"IFERROR(F28*F27/100,\"\")","v":0},0,0]
["NZD",6.0485965607416252E-2,90,"Shaded Income - AUD",{"$f":"IFERROR(E29/E$16,0)","v":0},{"$f":"IFERROR(F29/F$16,0)","v":0},{"$f":"IFERROR(G29/G$16,0)","v":0},{"$f":"IFERROR(H29/H$16,0)","v":0}]
["OMR",6.85,90]
["PGK",null,90,"3. FX Overtime (Complete one section only)"]
["PHP",8.5580016813709997E-2,90,"Overtime Cycle","Select","Select","Select","Select"]
["QAR",null,90,"Regular Overtime"]
["RUB",null,90,"OR",{"$f":"IFERROR(VLOOKUP(E33,$A$54:$B$58,2,FALSE)*E34,0)","v":0},{"$f":"IFERROR(VLOOKUP(F33,$A$54:$B$58,2,FALSE)*F34,0)","v":0},{"$f":"IFERROR(VLOOKUP(G33,$A$54:$B$58,2,FALSE)*G34,0)","v":0},{"$f":"IFERROR(VLOOKUP(H33,$A$54:$B$58,2,FALSE)*H34,0)","v":0}]
["SAR",8.3372547992401472E-2,90,"Overtime Cycle","Select","Select","Select","Select"]
["SGD",5.5068772376540495E-2,90,"Minimum OT Hours"]
["THB",null,90,"OT Hourly"]
["USD",8.3473579245048432E-2,90,"OR",{"$f":"IFERROR(VLOOKUP(E36,$A$54:$B$58,2,FALSE)*E37*E38,0)","v":0},{"$f":"IFERROR(VLOOKUP(F36,$A$54:$B$58,2,FALSE)*F37*F38,0)","v":0},{"$f":"IFERROR(VLOOKUP(G36,$A$54:$B$58,2,FALSE)*G37*G38,0)","v":0},{"$f":"IFERROR(VLOOKUP(H36,$A$54:$B$58,2,FALSE)*H37*H38,0)","v":0}]
["VND",8.4597330584581257E-2,90,"Prior Total Income (Annual)"]
["XPF",null,90,"-Prior Bonus",{"$f":"IF(E40=\"\",\"\",E25*-1)","v":""},{"$f":"IF(F40=\"\",\"\",F25*-1)","v":""},{"$f":"IF(G40=\"\",\"\",G25*-1)","v":""},""]
["ZAR",0.13351279614900219,90,"-Base",{"$f":"IF(E40=\"\",\"\",E19*-1)","v":""},{"$f":"IF(F40=\"\",\"\",F19*-1)","v":""},"",""]
[null,null,null,"Prior OT (A)",{"$f":"SUM(E40:E42)","v":0},{"$f":"SUM(F40:F42)","v":0},0,0]
[null,null,null,"AND"]
[null,null,null,"Current Total Income (Annual)"]
[null,null,null,"-Current Bonus",{"$f":"IF(E45=\"\",0,E26*-1)","v":0},{"$f":"IF(F45=\"\",0,F26*-1)","v":0},0,0]
[null,null,null,"-Base",{"$f":"IF(E45=\"\",\"\",E19*-1)","v":""},{"$f":"IF(F45=\"\",\"\",F19*-1)","v":""},"",""]
[null,null,null,"Current OT (B)",{"$f":"SUM(E45:E47)","v":0},{"$f":"SUM(F45:F47)","v":0},{"$f":"SUM(G45:G47)","v":0},0]
[null,null,null,"Average OT (A&B)",{"$f":"IF(OR(E43<0,E48<0),\"ERROR\",AVERAGE(E43,E48))","v":0},{"$f":"IF(OR(F43<0,F48<0),\"ERROR\",AVERAGE(F43,F48))","v":0},0,0]
[]
[null,null,null,"Annualized OT",{"$f":"IFERROR(E49+E39+E35,\"\")","v":0},{"$f":"IFERROR(F49+F39+F35,\"\")","v":0},{"$f":"IFERROR(G49+G39+G35,\"\")","v":0},{"$f":"IFERROR(H49+H39+H35,\"\")","v":0}]
[null,null,null,"Shading ",{"$f":"E28","v":0},{"$f":"F28","v":0},{"$f":"G28","v":0},{"$f":"H28","v":0}]
[null,null,null,"Shaded Overtime",{"$f":"IFERROR(E52*E51/100,\"\")","v":0},{"$f":"IFERROR(F52*F51/100,\"\")","v":0},0,0]
["Select ",null,null,"Shaded Overtime - AUD",{"$f":"IFERROR(E53/E$16,0)","v":0},{"$f":"IFERROR(F53/F$16,0)","v":0},{"$f":"IFERROR(G53/G$16,0)","v":0},{"$f":"IFERROR(H53/H$16,0)","v":0}]
["Weekly",52]
["Fortnightly",26]
["Monthly",12,null,"Foreign Rental Income"]
["Bi-Monthly",24,null,"Applicant","Currency","30-D Avg Rate","Rent Cycle","Rent Per Cycle","Annual Rent","Shading","Shaded Rent","Shaded Rent - AUD"]
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[null,null,null,"Select","Select","","Select",null,"",{"$f":"VLOOKUP(E60,$A$7:$C$45,3,FALSE)","v":0},{"$f":"IFERROR(J60*I60/100,0)","v":0},{"$f":"IFERROR(K60/F60,0)","v":0}]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[null,null,null,"Select","Select","","Select",null,"",0,0,0]
[]
[]
[null,null,null,"Other FX Conversions (e.g. loan repayment, rental expense etc.)"]
[null,null,null,"Description","Currency","30-D Avg Rate","Amount ","Amount in AUD"]
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[null,null,null,null,"Select","",null,{"$f":"IFERROR(G84/F84,0)","v":0}]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]
[null,null,null,null,"Select","",null,0]

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[null,"Proposed Loan",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","Low","End","Accu","Rate","Applicant 1","Applicant 2","Applicant 3","Applicant 4","Low","End","Rate"]
[null,null,null,null,null,null,"ADD INTEREST RATE BELOW:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"D43","v":0},{"$f":"E43","v":0},{"$f":"F43","v":0},{"$f":"G43","v":0},0,18200,0,0,{"$f":"IF(AND(S4>=$W4,S4<=$X4),1,0)","v":1},{"$f":"IF(AND(T4>=$W4,T4<=$X4),1,0)","v":1},{"$f":"IF(AND(U4>=$W4,U4<=$X4),1,0)","v":1},{"$f":"IF(AND(V4>=$W4,V4<=$X4),1,0)","v":1},{"$f":"W4","v":0},{"$f":"X4","v":18200},0]
[null,"Loan Amount ",null,null,null,"Interest Rate",4.7800000000000002E-2,null,null,null,null,null,null,null,null,null,null,null,{"$f":"S4","v":0},{"$f":"T4","v":0},{"$f":"U4","v":0},{"$f":"V4","v":0},18200,37000,0,0.19,{"$f":"IF(AND(S5>$W5,S5<=$X5),1,0)","v":0},0,0,0,{"$f":"W5","v":18200},37000,0.19]
[null,"Loan Term (years)","Select",null,"EXPAT? BOOL",{"$f":"IFERROR(FIND(\"EXPAT\",#REF!),0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"S5","v":0},0,0,0,37000,90000,3572,0.32500000000000001,0,0,0,0,37000,90000,0.32500000000000001]
[null,"Margin",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,90000,180000,20797,0.37,0,0,0,0,90000,180000,0.37]
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[null,"Actual Interest Rate",{"$f":"G5+C7","v":4.7800000000000002E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUMPRODUCT(--(AA4:AA8=1)*Y4:Y8)+VLOOKUP(1,AA4:AH8,7,FALSE)*(S4-VLOOKUP(1,AA4:AH8,5,FALSE))","v":0},{"$f":"SUMPRODUCT(--(AB4:AB8=1)*Y4:Y8)+VLOOKUP(1,AB4:AI8,6,FALSE)*(T4-VLOOKUP(1,AB4:AI8,4,FALSE))","v":0},{"$f":"SUMPRODUCT(--(AC4:AC8=1)*Y4:Y8)+VLOOKUP(1,AC4:AJ8,5,FALSE)*(U4-VLOOKUP(1,AC4:AJ8,3,FALSE))","v":0},{"$f":"SUMPRODUCT(--(AD4:AD8=1)*Y4:Y8)+VLOOKUP(1,AD4:AK8,4,FALSE)*(V4-VLOOKUP(1,AD4:AK8,2,FALSE))","v":0}]
[null,"Actual  Repayment ",{"$f":"IFERROR(PMT(C9/12,C6*12,C5,0),0)","v":0}]
[null,"Assessment Rate ",{"$f":"References!B30","v":7.7800000000000008E-2}]
[null,"Assessed Monthly Repayment ",null,{"$f":"IFERROR('Calculations '!A6,0)","v":0}]
[]
[null,"Living Expenses "]
[]
[null,"Select","Description","Has at least one child <14? (Family allowance)","HEM Monthly Living Expense","Declared Living Expense","Assessed Living Expense"]
[null,"Household 1","Select","Select",{"$f":"IFERROR(HLOOKUP(C17,'HEM Drop In Tables'!$C$1:$J$15,'HEM Drop In Tables'!P16+1,FALSE)*52/12,0)","v":0},null,{"$f":"MAX(E17,F17)","v":0},null,null,{"$f":"SUMIF($D$24:$G$24,B17,$D$48:$G$48)","v":0},{"$f":"IF(AND(F17<>\"\",F17<E17),\"WARNING - The monthly living expenses are below benchmark. Detailed explanation required\",\"\")","v":""}]
[null,"Household 2","Select","Select",{"$f":"IFERROR(HLOOKUP(C18,'HEM Drop In Tables'!$C$1:$J$15,'HEM Drop In Tables'!P17+1,FALSE)*52/12,0)","v":0},null,{"$f":"MAX(E18,F18)","v":0},null,null,{"$f":"SUMIF($D$24:$G$24,B18,$D$48:$G$48)","v":0},{"$f":"IF(AND(F18<>\"\",F18<E18),\"WARNING - The monthly living expenses are below benchmark. Detailed explanation required\",\"\")","v":""}]
[null,"Household 3","Select","Select",{"$f":"IFERROR(HLOOKUP(C19,'HEM Drop In Tables'!$C$1:$J$15,'HEM Drop In Tables'!P18+1,FALSE)*52/12,0)","v":0},null,0,null,null,{"$f":"SUMIF($D$24:$G$24,B19,$D$48:$G$48)","v":0},""]
[null,"Household 4","Select","Select",{"$f":"IFERROR(HLOOKUP(C20,'HEM Drop In Tables'!$C$1:$J$15,'HEM Drop In Tables'!P19+1,FALSE)*52/12,0)","v":0},null,0,null,null,{"$f":"SUMIF($D$24:$G$24,B20,$D$48:$G$48)","v":0},""]
[]
[null,"Monthly Living Expenses used for Assessment",null,{"$f":"SUM(G17:G20)","v":0}]
[null,null,null,"SELECT HOUSEHOLD BELOW","SELECT HOUSEHOLD BELOW","SELECT HOUSEHOLD BELOW","SELECT HOUSEHOLD BELOW"]
[null,"Annual Income",null,"Select","Select","Select","Select",null,null,"Taxed"]
[null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","% Accepted "]
[null,"Gross PAYG (Full time, part time, contract)",null,null,null,null,null,{"$f":"References!B4","v":1},null,1]
[null,"Gross Casual or Temp Income",null,null,null,null,null,{"$f":"References!B5","v":1},null,1]
[null,"Gross Overtime ",null,null,null,null,null,0.8,null,1]
[null,"Gross Bonuses ",null,null,null,null,null,0.8,null,1]
[null,"Gross Commissions",null,null,null,null,null,0.8,null,1]
[null,"Employer allowances",null,null,null,null,null,{"$f":"References!B9","v":1},null,1]
[null,"Rental Income",null,null,null,null,null,0.8,null,0]
[null,"Investment Income ",null,null,null,null,null,0.8,null,1]
[null,"Government Pension",null,null,null,null,null,{"$f":"References!B13","v":1},null,0]
[null,"Family Allowance/Childcare support/Child maintenance",null,null,null,null,null,{"$f":"References!B14","v":1},null,0]
[null,"Foreign Gross PAYG ",null,{"$f":"'2_FX_CALCULATOR'!E22","v":0},{"$f":"'2_FX_CALCULATOR'!F22","v":0},{"$f":"'2_FX_CALCULATOR'!G22","v":0},{"$f":"'2_FX_CALCULATOR'!H22","v":0},{"$f":"H26","v":1},null,1]
[null,"Foreign Gross Overtime ",null,{"$f":"'2_FX_CALCULATOR'!E54","v":0},{"$f":"'2_FX_CALCULATOR'!F54","v":0},{"$f":"'2_FX_CALCULATOR'!G54","v":0},{"$f":"'2_FX_CALCULATOR'!H54","v":0},{"$f":"H28","v":0.8},null,1]
[null,"Foreign Gross Bonuses ",null,{"$f":"'2_FX_CALCULATOR'!E30","v":0},{"$f":"'2_FX_CALCULATOR'!F30","v":0},{"$f":"'2_FX_CALCULATOR'!G30","v":0},{"$f":"'2_FX_CALCULATOR'!H30","v":0},{"$f":"H37","v":0.8},null,1]
[null,"Foreign Rental Income",null,{"$f":"IFERROR(SUMIF('2_FX_CALCULATOR'!$D$59:$D$78,'3_SERVICE'!D25,'2_FX_CALCULATOR'!$L$59:$L$78),0)","v":0},{"$f":"IFERROR(SUMIF('2_FX_CALCULATOR'!$D$59:$D$78,'3_SERVICE'!E25,'2_FX_CALCULATOR'!$L$59:$L$78),0)","v":0},{"$f":"IFERROR(SUMIF('2_FX_CALCULATOR'!$D$59:$D$78,'3_SERVICE'!F25,'2_FX_CALCULATOR'!$L$59:$L$78),0)","v":0},{"$f":"IFERROR(SUMIF('2_FX_CALCULATOR'!$D$59:$D$78,'3_SERVICE'!G25,'2_FX_CALCULATOR'!$L$59:$L$78),0)","v":0},{"$f":"H38","v":0.8},null,0]
[null,null,null,null,null,null,null,{"$f":"References!B15","v":0}]
[null,"Other Income ",null,null,null,null,null,{"$f":"References!B16","v":0.9}]
[null,"Gross Annual Eligible Income ",null,{"$f":"SUMPRODUCT(D26:D39,$H$26:$H$39)","v":0},{"$f":"SUMPRODUCT(E26:E39,$H$26:$H$39)","v":0},0,0]
[null,"Gross Annual Eligible Taxable Income ",null,{"$f":"SUMPRODUCT(($J$26:$J$39=1)*(D26:D39),--$H$26:$H$39)","v":0},{"$f":"SUMPRODUCT(($J$26:$J$39=1)*(E26:E39),--$H$26:$H$39)","v":0},{"$f":"SUMPRODUCT(($J$26:$J$39=1)*(F26:F39),--$H$26:$H$39)","v":0},{"$f":"SUMPRODUCT(($J$26:$J$39=1)*(G26:G39),--$H$26:$H$39)","v":0}]
[null,"Income Tax",null,{"$f":"S9","v":0},{"$f":"T9","v":0},{"$f":"U9","v":0},{"$f":"V9","v":0}]
[null,"Medicare Levy ",null,{"$f":"0.02*D43","v":0},{"$f":"0.02*E43","v":0},0,0]
[null,"Tax Free Income ",null,{"$f":"SUMPRODUCT(($J$26:$J$39=0)*(D26:D39),--$H$26:$H$39)","v":0},{"$f":"SUMPRODUCT(($J$26:$J$39=0)*(E26:E39),--$H$26:$H$39)","v":0},{"$f":"SUMPRODUCT(($J$26:$J$39=0)*(F26:F39),--$H$26:$H$39)","v":0},{"$f":"SUMPRODUCT(($J$26:$J$39=0)*(G26:G39),--$H$26:$H$39)","v":0}]
[null,"Net Annual Income Used For Assessment",null,{"$f":"D43-D44-D45+D46","v":0},{"$f":"E43-E44-E45+E46","v":0},0,{"$f":"G43-G44-G45+G46","v":0}]
[null,null,"Unweighted",{"$f":"SUM(D26:D41)","v":0},{"$f":"SUM(E26:E41)","v":0},0,0]
[null,"Total Combined Net Annual Income ",null,{"$f":"SUM(D47:G47)","v":0}]
[null,null,null,{"$f":"IF(D53>0,'Calculations '!L52*D51/12,0)","v":0},{"$f":"IF(E53>0,'Calculations '!M52*E51/12,0)","v":0},{"$f":"IF(F53>0,'Calculations '!N52*F51/12,0)","v":0},{"$f":"IF(G53>0,'Calculations '!O52*G51/12,0)","v":0}]
[null,"Individual Expenses",null,{"$f":"SUMPRODUCT(($J$26:$J$39=1)*(D26:D39))","v":0},{"$f":"SUMPRODUCT(($J$26:$J$39=1)*(E26:E39))","v":0},0,0]
[null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4"]
[null,"HECS/HELP - amount owing"]
[null,"HECS/HELP - expected repayment per month",null,0,{"$f":"IF(E50>E53,0,E50)","v":0},{"$f":"IF(F50>F53,0,F50)","v":0},0]
[]
[null,"Total Individual Monthly Expenses",null,{"$f":"SUM(D54:G54)","v":0}]
[]
[null,"Ongoing Liabilities & Expenses "]
[]
[null,"Liability Expense Type",null,"Limit ","Balance","Monthly Repayment ","Assessed Monthly Repayment "]
[null,"Combined Mortgages ",null,null,null,null,{"$f":"MAX(F61,-PMT($C$11/12,30*12,D61,0))","v":0}]
[null,"Combined Credit Card",null,null,null,null,{"$f":"D62*References!$B$26","v":0}]
[null,"Combined Personal Loan",null,null,null,null,{"$f":"IF(\"Y\"=\"Y\",MAX(F63,-PMT((VLOOKUP(\"Average Personal Loan Rate\",References!$AG$3:$AI$31,2,FALSE)+0%)/100/12,7*12,D63,0)),MAX(F63,-PMT((VLOOKUP(\"Average Personal Loan Rate\",References!$AG$4:$AI$31,2,FALSE)+2.25%)/100/12,7*12,D63,0)))","v":0}]
[null,"Combined Overdraft ",null,null,null,null,{"$f":"D64*References!$B$26","v":0}]
[null,"Combined Lease",null,null,null,null,{"$f":"IF(\"Y\"=\"Y\",MAX(F65,-PMT((VLOOKUP(\"Average Personal Loan Rate\",References!$AG$3:$AI$31,2,FALSE)+0%)/100/12,7*12,D65,0)),MAX(F65,-PMT((VLOOKUP(\"Average Personal Loan Rate\",References!$AG$4:$AI$31,2,FALSE)+2.25%)/100/12,7*12,D65,0)))","v":0}]
[null,"Combined Other Loan",null,null,null,null,{"$f":"F66","v":0}]
[null,"Combined Contractual Non Basic Expenses (E.g. Rent)",null,null,null,null,{"$f":"F67","v":0}]
[null,"Child Support Payments",null,null,null,null,{"$f":"F68","v":0}]
[]
[null,"Total Combined Monthly Expenses",null,{"$f":"SUM(G61:G68)","v":0}]
[]
[null,"Capacity to Repay Test"]
[null,null,null,"Annual equivalents"]
[null,"Total Monthly Income",{"$f":"D49/12","v":0},{"$f":"C74*12","v":0}]
[null,"Total Existing Financial Expenses",{"$f":"D70+D56","v":0},{"$f":"C75*12","v":0}]
[null,"Assessed Monthly Repayment",{"$f":"D12","v":0},{"$f":"C76*12","v":0},{"$f":"SUM(D75:D76)","v":0},"TOTAL FINANCIAL COMMITMENTS"]
[null,"Monthly Living Expenses",{"$f":"D22","v":0},{"$f":"C77*12","v":0},{"$f":"SUM(D75:D77)","v":0},"TOTAL COMMITMENTS INCL. LIVING"]
[null,"Surplus / Deficit ",{"$f":"C74-C75-C76-C77","v":0},{"$f":"C78*12","v":0},{"$f":"D74-E77","v":0}]
[]
[]
[null,"Result"]
[]
[null,"NDI Ratio",{"$f":"IFERROR(C86/C87,0)","v":0}]
[null,"Pass ",{"$f":"IF(C83>C85, \"Pass\", \"Fail\")","v":"Fail"}]
[null,"Min Surplus Required",1.1000000000000001]
[null,"NDI",{"$f":"D74-D77","v":0}]
[null,"Commitment after new loan",{"$f":"E76","v":0}]
[null,"Max Borrowing Cap.",{"$f":"IFERROR(PV(C11/12,C6*12,-1*D88,0),0)","v":0},{"$f":"(C86/C85-D75)/12","v":0}]

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["Assessed Monthly Repayment",null,null,null,null,null,null,null,null,"Actual Repayment"]
["Loan Amount ",{"$f":"'3_SERVICE'!C5","v":0},null,null,null,null,null,null,null,"Loan Amount ",{"$f":"'3_SERVICE'!C5","v":0}]
["Loan Term (years)",{"$f":"'3_SERVICE'!C6","v":"Select"},{"$f":"B3*12","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,"Loan Term (years)",{"$f":"'3_SERVICE'!C6","v":"Select"},{"$f":"K3*12","v":{"$error":"#VALUE!"}}]
["Assessment Rate ",{"$f":"'3_SERVICE'!C11","v":7.7800000000000008E-2},{"$f":"B4/12","v":6.483333333333334E-3},null,null,null,null,null,null,"Actual Rate",{"$f":"'3_SERVICE'!C9","v":4.7800000000000002E-2},{"$f":"K4/12","v":3.9833333333333335E-3}]
["Repayment",null,null,null,null,null,null,null,null,"Repayment"]
[{"$f":"-PMT(C4,C3,B2,0)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,{"$f":"-PMT(L4,L3,K2)","v":{"$error":"#VALUE!"}}]
[]
["MBC "]
["Loan Term (years)",{"$f":"'3_SERVICE'!C6","v":"Select"},{"$f":"B9*12","v":{"$error":"#VALUE!"}}]
["Assessment Rate ",{"$f":"'3_SERVICE'!C11","v":7.7800000000000008E-2},{"$f":"B10/12","v":6.483333333333334E-3}]
["Surplus / Deficit",{"$f":"'3_SERVICE'!C78","v":0},{"$f":"'3_SERVICE'!C74-'3_SERVICE'!C75-'3_SERVICE'!C77-1","v":-1}]
["Maximum Borrowing Capacity "]
[{"$f":"-PV(C10,C9,C11)","v":{"$error":"#VALUE!"}}]
[]
[]
["Income "]
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[]
["Annual Income"]
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[{"$f":"References!A4","v":"Gross PAYG (Full time, part time, contract)"},null,{"$f":"'3_SERVICE'!D26*References!B4","v":0},{"$f":"'3_SERVICE'!E26*References!B4","v":0},{"$f":"'3_SERVICE'!F26*References!B4","v":0},{"$f":"'3_SERVICE'!G26*References!B4","v":0},{"$f":"References!C4","v":"Yes"},null,null,{"$f":"IF(G21=\"YES\", C21, \"0\")","v":0},{"$f":"IF(G21=\"YES\", D21, \"0\")","v":0},{"$f":"IF(G21=\"YES\", E21, \"0\")","v":0},{"$f":"IF(G21=\"YES\", F21, \"0\")","v":0},null,null,{"$f":"IF(G21=\"No\", C21, \"0\")","v":"0"},{"$f":"IF(G21=\"No\", D21, \"0\")","v":"0"},{"$f":"IF(G21=\"No\", E21, \"0\")","v":"0"},{"$f":"IF(G21=\"No\", F21, \"0\")","v":"0"}]
[{"$f":"References!A5","v":"Gross Casual or Temp Income"},null,{"$f":"'3_SERVICE'!D27*References!B5","v":0},{"$f":"'3_SERVICE'!E27*References!B5","v":0},{"$f":"'3_SERVICE'!F27*References!B5","v":0},{"$f":"'3_SERVICE'!G27*References!B5","v":0},{"$f":"References!C5","v":"Yes"},null,null,0,{"$f":"IF(G22=\"YES\", D22, \"0\")","v":0},0,0,null,null,"0","0","0","0"]
[{"$f":"References!A6","v":"Gross Overtime "},null,{"$f":"'3_SERVICE'!D28*References!B6","v":0},{"$f":"'3_SERVICE'!E28*References!B6","v":0},{"$f":"'3_SERVICE'!F28*References!B6","v":0},{"$f":"'3_SERVICE'!G28*References!B6","v":0},{"$f":"References!C6","v":"Yes"},null,null,0,0,0,0,null,null,"0","0","0","0"]
[{"$f":"References!A7","v":"Gross Bonuses "},null,{"$f":"'3_SERVICE'!D29*References!B7","v":0},{"$f":"'3_SERVICE'!E29*References!B7","v":0},{"$f":"'3_SERVICE'!F29*References!B7","v":0},{"$f":"'3_SERVICE'!G29*References!B7","v":0},{"$f":"References!C7","v":"Yes"},null,null,0,0,0,0,null,null,"0","0","0","0"]
[{"$f":"References!A8","v":"Gross Commissions"},null,{"$f":"'3_SERVICE'!D30*References!B8","v":0},{"$f":"'3_SERVICE'!E30*References!B8","v":0},{"$f":"'3_SERVICE'!F30*References!B8","v":0},{"$f":"'3_SERVICE'!G30*References!B8","v":0},{"$f":"References!C8","v":"Yes"},null,null,0,0,0,0,null,null,"0","0","0","0"]
[{"$f":"References!A9","v":"Employer allowances"},null,{"$f":"'3_SERVICE'!D31*References!B9","v":0},{"$f":"'3_SERVICE'!E31*References!B9","v":0},{"$f":"'3_SERVICE'!F31*References!B9","v":0},{"$f":"'3_SERVICE'!G31*References!B9","v":0},{"$f":"References!C9","v":"Yes"},null,null,0,0,0,0,null,null,"0","0","0","0"]
[{"$f":"References!A10","v":"Rental Income"},null,{"$f":"'3_SERVICE'!D32*References!B10","v":0},{"$f":"'3_SERVICE'!E32*References!B10","v":0},{"$f":"'3_SERVICE'!F32*References!B10","v":0},{"$f":"'3_SERVICE'!G32*References!B10","v":0},{"$f":"References!C10","v":"No"},null,null,"0","0","0","0",null,null,0,0,0,0]
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[{"$f":"References!A12","v":"Investment Income "},null,{"$f":"'3_SERVICE'!D33*References!B12","v":0},{"$f":"'3_SERVICE'!E33*References!B12","v":0},{"$f":"'3_SERVICE'!F33*References!B12","v":0},{"$f":"'3_SERVICE'!G33*References!B12","v":0},{"$f":"References!C12","v":"Yes"},null,null,{"$f":"IF(G29=\"YES\", C29, \"0\")","v":0},0,0,0,null,null,{"$f":"IF(G29=\"No\", C29, \"0\")","v":"0"},"0","0","0"]
[{"$f":"References!A13","v":"Government Pension"},null,{"$f":"'3_SERVICE'!D34*References!B13","v":0},{"$f":"'3_SERVICE'!E34*References!B13","v":0},{"$f":"'3_SERVICE'!F34*References!B13","v":0},{"$f":"'3_SERVICE'!G34*References!B13","v":0},{"$f":"References!C13","v":"No"},null,null,{"$f":"IF(G30=\"YES\", C30, \"0\")","v":"0"},{"$f":"IF(G30=\"YES\", D30, \"0\")","v":"0"},{"$f":"IF(G30=\"YES\", E30, \"0\")","v":"0"},{"$f":"IF(G30=\"YES\", F30, \"0\")","v":"0"},null,null,{"$f":"IF(G30=\"No\", C30, \"0\")","v":0},{"$f":"IF(G30=\"No\", D30, \"0\")","v":0},{"$f":"IF(G30=\"No\", E30, \"0\")","v":0},{"$f":"IF(G30=\"No\", F30, \"0\")","v":0}]
[{"$f":"References!A14","v":"Family Allowance/Childcare support/Child maintenance"},null,{"$f":"'3_SERVICE'!D35*References!B14","v":0},{"$f":"'3_SERVICE'!E35*References!B14","v":0},{"$f":"'3_SERVICE'!F35*References!B14","v":0},{"$f":"'3_SERVICE'!G35*References!B14","v":0},{"$f":"References!C14","v":"No"},null,null,{"$f":"IF(G31=\"YES\", C31, \"0\")","v":"0"},"0","0","0",null,null,0,0,0,0]
[{"$f":"References!A15","v":0},null,{"$f":"'3_SERVICE'!D40*References!B15","v":0},{"$f":"'3_SERVICE'!E40*References!B15","v":0},{"$f":"'3_SERVICE'!F40*References!B15","v":0},{"$f":"'3_SERVICE'!G40*References!B15","v":0},{"$f":"References!C15","v":"Yes"},null,null,0,0,0,0,null,null,"0","0","0","0"]
[{"$f":"References!A16","v":"Other Income "},null,{"$f":"'3_SERVICE'!D41*References!B16","v":0},{"$f":"'3_SERVICE'!E41*References!B16","v":0},{"$f":"'3_SERVICE'!F41*References!B16","v":0},{"$f":"'3_SERVICE'!G41*References!B16","v":0},{"$f":"References!C16","v":"Yes"},null,null,0,0,0,0,null,null,"0","0","0","0"]
[null,null,null,null,null,null,null,null,"Taxable",{"$f":"SUM(J20:J33)","v":0},{"$f":"SUM(K21:K33)","v":0},{"$f":"SUM(L21:L33)","v":0},{"$f":"SUM(M21:M33)","v":0},null,"Non Taxable",{"$f":"SUM(P21:P33)","v":0},{"$f":"SUM(Q21:Q33)","v":0},{"$f":"SUM(R21:R33)","v":0},{"$f":"SUM(S21:S33)","v":0}]
[]
[]
["Calculating Tax Payable "]
[null,null,null,null,null,null,null,null,null,"Income From","Income To","Tax"]
["Applicant","Gross ","Tax ","Medicare ",null,null,null,null,1,0,18200,"Nil"]
["Applicant 1",{"$f":"'3_SERVICE'!D43","v":0},{"$f":"A62","v":0},{"$f":"E125","v":0},null,null,null,null,2,18201,37000,"19 cents for  each $1 over $18,200 - 445"]
["Applicant 2 ",{"$f":"'3_SERVICE'!E43","v":0},{"$f":"A81","v":0},{"$f":"E126","v":0},null,null,null,null,3,37001,87000,"3,572 plus 32.5 c for each dollar over 37,000 - ($445 less 1.5 excess over $37,000) "]
["Applicant 3",{"$f":"'3_SERVICE'!F43","v":0},{"$f":"A100","v":0},{"$f":"E127","v":0},null,null,null,null,4,87001,180000,"$13,213 plus 32.5c for each $1 over $66,666"]
["Applicant 4",{"$f":"'3_SERVICE'!G43","v":0},{"$f":"A119","v":{"$error":"#VALUE!"}},{"$f":"E128","v":0},null,null,null,null,5,18001,"plus","$17,547 plus 37c for each $1 over $80,000"]
[null,null,null,null,null,null,null,null,6,null,null,"$54,547 plus 45c for each $1 over $180,000"]
[]
["Applicant 1 Calcs ",null,null,null,null,null,null,null,"HECS/HELP"]
[null,null,null,null,"Calc Result",null,null,null,"2016-2017 Repayment income"]
[{"$f":"IF(AND(B40>=J39,B40<=K39),\"1\",\"0\")","v":"1"},"Tier 1",0,null,0]
[{"$f":"IF(AND(B40>=J40,B40<=K40),\"2\",\"0\")","v":"0"},"Tier 2",{"$f":"B40-K39","v":-18200},null,{"$f":"C49*19%-445","v":-3903},null,"Result ",{"$f":"A48+A49+A50+A51+A52+A53","v":7},"Repayment % rate",null,null,"Applicant 1 Income","Applicant 2 income","Applicant 3 income","Applicant 4 income"]
[{"$f":"IF(AND(B40>=J41,B40<=K41),\"3\",\"0\")","v":"0"},"Tier 3",{"$f":"B40-K40","v":-37000},{"$f":"445-(B40-37000)*1.5%","v":1000},{"$f":"C50*32.5%+3572-D50","v":-9453},null,null,null,null,null,null,{"$f":"'3_SERVICE'!D43","v":0},{"$f":"'3_SERVICE'!E43","v":0},{"$f":"'3_SERVICE'!F43","v":0},{"$f":"'3_SERVICE'!G43","v":0}]
[{"$f":"IF(AND(B40>=J42,B40<=K42),\"4\",\"0\")","v":"0"},"Tier 4",{"$f":"B40-K41","v":-87000},null,{"$f":"C51*32.5%+13213","v":-15062},null,null,1,0,51957,0,{"$f":"MATCH(L50,$I$51:$I$61,1)","v":1},{"$f":"MATCH(M50,$I$51:$I$61,1)","v":1},{"$f":"MATCH(N50,$I$51:$I$61,1)","v":1},1]
[{"$f":"IF(AND(B40>=J43, B40<=K43),\"5\",\"0\")","v":"0"},"Tier 5",{"$f":"B40-K42","v":-180000},null,{"$f":"C52*37%+17547","v":-49053},null,null,2,{"$f":"J51","v":51957},57729,0.02,{"$f":"VLOOKUP(L51,$H$51:$K$61,4,FALSE)","v":0},{"$f":"VLOOKUP(M51,$H$51:$K$61,4,FALSE)","v":0},0,0]
[{"$f":"IF(B40>=J44,6,0)","v":6},"Tier 6",{"$f":"B40-K43","v":{"$error":"#VALUE!"}},null,{"$f":"C53*45%+54547","v":{"$error":"#VALUE!"}},null,null,3,{"$f":"J52","v":57729},64306,0.04]
[null,null,null,null,null,null,null,4,64306,70881,4.4999999999999998E-2]
["Taxable ",null,null,null,null,null,null,5,70881,74607,0.05]
[{"$f":"IF(H49=1,E48,0)","v":0},null,null,null,null,null,null,6,74607,80197,5.5E-2]
[{"$f":"IF(H49=2,E49,0)","v":0},null,null,null,null,null,null,7,80197,86855,0.06]
[{"$f":"IF(H49=3,E50,0)","v":0},null,null,null,null,null,null,8,86855,91425,6.5000000000000002E-2]
[{"$f":"IF(H49=4,E51,0)","v":0},null,null,null,null,null,null,9,91425,100613,7.0000000000000007E-2]
[{"$f":"IF(H49=5,E52,0)","v":0},null,null,null,null,null,null,10,100613,107213,7.4999999999999997E-2]
[{"$f":"IF(H49=6,E53,0)","v":0},null,null,null,null,null,null,11,107213,9999999999,0.08]
[{"$f":"SUM(A56:A61)","v":0}]
[]
[]
["Applicant 2 Calcs"]
[null,null,null,null,"Calc Result"]
[{"$f":"IF(AND(B41>=J39,B41<=K39),\"1\",\"0\")","v":"1"},"Tier 1",0,null,0]
[{"$f":"IF(AND(B41>=J40,B41<=K40),\"2\",\"0\")","v":"0"},"Tier 2",{"$f":"B41-K39","v":-18200},null,{"$f":"C68*19%-445","v":-3903},null,"Result ",{"$f":"A67+A68+A69+A70+A71+A72","v":7}]
[{"$f":"IF(AND(B41>=J41,B41<=K41),\"3\",\"0\")","v":"0"},"Tier 3",{"$f":"B41-K40","v":-37000},{"$f":"445-(B41-37000)*1.5%","v":1000},{"$f":"C69*32.5%+3572-D69","v":-9453}]
[{"$f":"IF(AND(B41>=J42,B41<=K42),\"4\",\"0\")","v":"0"},"Tier 4",{"$f":"B41-K41","v":-87000},null,{"$f":"C70*32.5%+13213","v":-15062}]
[{"$f":"IF(AND(B41>=J43, B41<=K43),\"5\",\"0\")","v":"0"},"Tier 5",{"$f":"B41-K42","v":-180000},null,{"$f":"C71*37%+17547","v":-49053}]
[{"$f":"IF(B41>=J44,6,0)","v":6},"Tier 6",{"$f":"B41-K43","v":{"$error":"#VALUE!"}},null,{"$f":"C72*45%+54547","v":{"$error":"#VALUE!"}}]
[]
["Taxable "]
[{"$f":"IF(H68=1,E67,0)","v":0}]
[{"$f":"IF(H68=2,E68,0)","v":0}]
[{"$f":"IF(H68=3,E69,0)","v":0}]
[{"$f":"IF(H68=4,E70,0)","v":0}]
[{"$f":"IF(H68=5,E71,0)","v":0}]
[{"$f":"IF(H68=6,E72,0)","v":0}]
[{"$f":"SUM(A75:A80)","v":0}]
[]
[]
["Applicant 3 Calcs "]
[null,null,null,null,"Calc Result"]
[{"$f":"IF(AND(B42>=J39,B42<=K39),\"1\",\"0\")","v":"1"},"Tier 1",0,null,0,null,"Result",{"$f":"A86+A87+A88+A89+A90+A91","v":7}]
[{"$f":"IF(AND(B42>=J40,B42<=K40),\"2\",\"0\")","v":"0"},"Tier 2",{"$f":"B42-K39","v":-18200},null,{"$f":"C87*19%-445","v":-3903}]
[{"$f":"IF(AND(B42>=J41,B42<=K41),\"3\",\"0\")","v":"0"},"Tier 3",{"$f":"B42-K40","v":-37000},{"$f":"445-(B42-37000)*1.5%","v":1000},{"$f":"C88*32.5%+3572-D88","v":-9453}]
[{"$f":"IF(AND(B42>=J42,B42<=K42),\"4\",\"0\")","v":"0"},"Tier 4",{"$f":"B42-K41","v":-87000},null,{"$f":"C89*32.5%+13213","v":-15062}]
[{"$f":"IF(AND(B42>=J43,B42<=K43),\"5\",\"0\")","v":"0"},"Tier 5",{"$f":"B42-K42","v":-180000},null,{"$f":"C90*37%+17547","v":-49053}]
[{"$f":"IF(B42>=J44,6,0)","v":6},"Tier 6",{"$f":"B42-K43","v":{"$error":"#VALUE!"}},null,{"$f":"C91*45%+54547","v":{"$error":"#VALUE!"}}]
[]
["Taxable "]
[{"$f":"IF(H86=1,0,0)","v":0}]
[{"$f":"IF(H86=2,E87,0)","v":0}]
[{"$f":"IF(H86=3,E88,0)","v":0}]
[{"$f":"IF(H86=4,E89,0)","v":0}]
[{"$f":"IF(H86=5,E90,0)","v":0}]
[{"$f":"IF(H86=6,E91,0)","v":0}]
[{"$f":"SUM(A94:A99)","v":0}]
[]
[]
["Applicant 4 Calcs "]
[null,null,null,null,"Calc Result"]
[{"$f":"IF(AND(B43>=J39,B43<=K39),\"1\",\"0\")","v":"1"},"Tier 1",0,null,0,null,"Result ",{"$f":"A105+A106+A107+A108+A109+A110","v":6}]
[{"$f":"IF(AND(B43>=J40,B43<=K40),\"2\",\"0\")","v":"0"},"Tier 2",{"$f":"B43-K39","v":-18200},null,{"$f":"C106*19%-445","v":-3903}]
[{"$f":"IF(AND(B43>=J41,B43<=K41),\"3\",\"0\")","v":"0"},"Tier 3",{"$f":"B43-K40","v":-37000},{"$f":"445-(B43-37000)*1.5%","v":1000},{"$f":"C107*32.5%+3572-D107","v":-9453}]
[{"$f":"IF(AND(B43>=J42,B43<=K42),\"4\",\"0\")","v":"0"},"Tier 4",{"$f":"B43-K41","v":-87000},null,{"$f":"C108*32.5%+13213","v":-15062}]
[{"$f":"IF(AND(B43>=J43,B43<=K43),\"5\",\"0\")","v":"0"},"Tier 5",{"$f":"B43-K42","v":-180000},null,{"$f":"C109*37%+17547","v":-49053}]
[{"$f":"IF(B43>=J44,\"5\",\"0\")","v":"5"},"Tier 6",{"$f":"B43-K43","v":{"$error":"#VALUE!"}},null,{"$f":"C110*45%+54547","v":{"$error":"#VALUE!"}}]
[]
["Taxable "]
[{"$f":"IF(H105=1,0,0)","v":0}]
[{"$f":"IF(H105=2,E106,0)","v":0}]
[{"$f":"IF(H105=3,E107,0)","v":0}]
[{"$f":"IF(H105=4,E108,0)","v":0},null,null,null,null,null,null,null,null,"Income From","Income To","Tax"]
[{"$f":"IF(H105=5,E109,0)","v":0},null,null,null,null,null,null,null,null,0,26120,"Nil"]
[{"$f":"IF(H105=6,E110,0)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,26121,"plus","2% of total gross income"]
[{"$f":"SUM(A113:A118)","v":{"$error":"#VALUE!"}}]
[]
[]
["Calculating Medicare Levy "]
[]
["Applicant","Gross","Medicare @2%",null,"Medicare "]
["Applicant 1",{"$f":"'3_SERVICE'!D43","v":0},{"$f":"B125*2%","v":0},null,{"$f":"IF(AND(B125>=J117,B125<=K117),0,C125)","v":0}]
["Applicant 2",{"$f":"'3_SERVICE'!E43","v":0},{"$f":"B126*2%","v":0},null,{"$f":"IF(AND(B126>=J117,B126<=K117),0,C126)","v":0}]
["Applicant 3",{"$f":"'3_SERVICE'!F43","v":0},{"$f":"B127*2%","v":0},null,{"$f":"IF(AND(B127>=J117,B127<=K117),0,C127)","v":0}]
["Applicant 4",{"$f":"'3_SERVICE'!G43","v":0},{"$f":"B128*2%","v":0},null,{"$f":"IF(AND(B128>=J117,B128<=K117),0,C128)","v":0}]
[]
[]
[]
[]
["Living Expneses "]
[]
[]
[null,"Single"]
[]
[null,null,"NSW","VIC","TAS","NT","QLD","WA","SA","ACT "]
[null,0,1000,1011,1022,1033,1044,1055,1066,1077]
[null,1,1001,1012,1023,1034,1045,1056,1067,1078]
[null,2,1002,1013,1024,1035,1046,1057,1068,1079]
[null,3,1003,1014,1025,1036,1047,1058,1069,1080]
[null,4,1004,1015,1026,1037,1048,1059,1070,1081]
[null,5,1005,1016,1027,1038,1049,1060,1071,1082]
[null,6,1006,1017,1028,1039,1050,1061,1072,1083]
[null,7,1007,1018,1029,1040,1051,1062,1073,1084]
[null,8,1008,1019,1030,1041,1052,1063,1074,1085]
[null,9,1009,1020,1031,1042,1053,1064,1075,1086]
[null,"10+",1010,1021,1032,1043,1054,1065,1076,1087]
[]
[null,"Couple "]
[]
[null,null,"NSW","VIC","TAS","NT","QLD","WA","SA","ACT "]
[null,0,2000,2011,2022,2033,2044,2055,2066,2077]
[null,1,2001,2012,2023,2034,2045,2056,2067,2078]
[null,2,2002,2013,2024,2035,2046,2057,2068,2079]
[null,3,2003,2014,2025,2036,2047,2058,2069,2080]
[null,4,2004,2015,2026,2037,2048,2059,2070,2081]
[null,5,2005,2016,2027,2038,2049,2060,2071,2082]
[null,6,2006,2017,2028,2039,2050,2061,2072,2083]
[null,7,2007,2018,2029,2040,2051,2062,2073,2084]
[null,8,2008,2019,2030,2041,2052,2063,2074,2085]
[null,9,2009,2020,2031,2042,2053,2064,2075,2086]
[null,"10+",2010,2021,2032,2043,2054,2065,2076,2087]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4"]
[null,null,null,"Marital Status ","Spouse","Dep","State","Couple ","NSW,0",{"$f":"IF(AND(F170=0, G170=\"NSW\"), C154, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"NSW\"), C154, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"NSW\"), C154, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"NSW\"), C154, 0)","v":0}]
[null,null,"Applicant 1",{"$f":"'3_SERVICE'!C17","v":"Select"},{"$f":"'3_SERVICE'!#REF!","v":{"$error":"#REF!"}},{"$f":"'3_SERVICE'!E17","v":0},{"$f":"'3_SERVICE'!F17","v":0},"Couple ","NSW,1",{"$f":"IF(AND(F170=1, G170=\"NSW\"), C155, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"NSW\"), C155, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"NSW\"), C155, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"NSW\"), C155, 0)","v":0}]
[null,null,"Applicant 2",{"$f":"'3_SERVICE'!C18","v":"Select"},{"$f":"'3_SERVICE'!#REF!","v":{"$error":"#REF!"}},{"$f":"'3_SERVICE'!E18","v":0},{"$f":"'3_SERVICE'!F18","v":0},"Couple ","NSW,2",{"$f":"IF(AND(F170=2, G170=\"NSW\"), C156, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"NSW\"), C156, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"NSW\"), C156, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"NSW\"), C156, 0)","v":0}]
[null,null,"Applicant 3",{"$f":"'3_SERVICE'!C19","v":"Select"},{"$f":"'3_SERVICE'!#REF!","v":{"$error":"#REF!"}},{"$f":"'3_SERVICE'!E19","v":0},{"$f":"'3_SERVICE'!F19","v":0},"Couple ","NSW,3",{"$f":"IF(AND(F170=3, G170=\"NSW\"), C157, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"NSW\"), C157, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"NSW\"), C157, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"NSW\"), C157, 0)","v":0}]
[null,null,"Applicant 4",{"$f":"'3_SERVICE'!C20","v":"Select"},{"$f":"'3_SERVICE'!#REF!","v":{"$error":"#REF!"}},{"$f":"'3_SERVICE'!E20","v":0},{"$f":"'3_SERVICE'!F20","v":0},"Couple ","NSW,4",{"$f":"IF(AND(F170=4, G170=\"NSW\"), C158, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"NSW\"), C158, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"NSW\"), C158, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"NSW\"), C158, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","NSW,5",{"$f":"IF(AND(F170=5, G170=\"NSW\"), C159, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"NSW\"), C159, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"NSW\"), C159, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"NSW\"), C159, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","NSW,6",{"$f":"IF(AND(F170=6, G170=\"NSW\"), C160, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"NSW\"), C160, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"NSW\"), C160, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"NSW\"), C160, 0)","v":0}]
[null,null,"Living Expenses","App 1",{"$f":"A199","v":0},null,null,"Couple ","NSW,7",{"$f":"IF(AND(F170=7, G170=\"NSW\"), C161, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"NSW\"), C161, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"NSW\"), C161, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"NSW\"), C161, 0)","v":0}]
[null,null,null,"App 2",{"$f":"B199","v":{"$error":"#REF!"}},null,null,"Couple ","NSW,8",{"$f":"IF(AND(F170=8, G170=\"NSW\"), C162, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"NSW\"), C162, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"NSW\"), C162, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"NSW\"), C162, 0)","v":0}]
[null,null,null,"App 3 ",{"$f":"C199","v":{"$error":"#REF!"}},null,null,"Couple ","NSW,9",{"$f":"IF(AND(F170=9, G170=\"NSW\"), C163, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"NSW\"), C163, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"NSW\"), C163, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"NSW\"), C163, 0)","v":0}]
[null,null,null,"App 4 ",{"$f":"D199","v":{"$error":"#REF!"}},null,null,"Couple ","NSW,10",{"$f":"IF(AND(F170=10, G170=\"NSW\"), C164, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"NSW\"), C164, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"NSW\"), C164, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"NSW\"), C164, 0)","v":0}]
[null,null,"Total",null,{"$f":"SUM(E176:E179)","v":{"$error":"#REF!"}},null,null,"Couple ","VIC,0",{"$f":"IF(AND(F170=0, G170=\"VIC\"), D154, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"VIC\"), D154, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"VIC\"), D154, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"VIC\"), D154, 0)","v":0}]
[null,null,"Customer Dec",null,{"$f":"'3_SERVICE'!#REF!","v":{"$error":"#REF!"}},null,null,"Couple ","VIC,1",{"$f":"IF(AND(F170=1, G170=\"VIC\"), D155, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"VIC\"), D155, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"VIC\"), D155, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"VIC\"), D155, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","VIC,2",{"$f":"IF(AND(F170=2, G170=\"VIC\"), D156, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"VIC\"), D156, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"VIC\"), D156, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"VIC\"), D156, 0)","v":0}]
["Applicant 1","Applicant 2","Applicant 3","Applicant 4",null,null,null,"Couple ","VIC,3",{"$f":"IF(AND(F170=3, G170=\"VIC\"), D157, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"VIC\"), D157, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"VIC\"), D157, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"VIC\"), D157, 0)","v":0}]
[{"$f":"IF(D170=\"Married\", J258,0)","v":0},{"$f":"IF(D171=\"Divorced\", K350,0)","v":0},{"$f":"IF(D172=\"Divorced\", L350,0)","v":0},{"$f":"IF(D173=\"Divorced\", M350,0)","v":0},null,null,null,"Couple ","VIC,4",{"$f":"IF(AND(F170=4, G170=\"VIC\"), D158, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"VIC\"), D158, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"VIC\"), D158, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"VIC\"), D158, 0)","v":0}]
[{"$f":"IF(D170=\"De-Facto\", J258,0)","v":0},{"$f":"IF(D171=\"Single\", K350,0)","v":0},{"$f":"IF(D172=\"Single\", L350,0)","v":0},{"$f":"IF(D173=\"Single\", M350,0)","v":0},null,null,null,"Couple ","VIC,5",{"$f":"IF(AND(F170=5, G170=\"VIC\"), D159, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"VIC\"), D159, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"VIC\"), D159, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"VIC\"), D159, 0)","v":0}]
[{"$f":"IF(D170=\"Single\", J350,0)","v":0},{"$f":"IF(D171=\"Widowed\", K350,0)","v":0},{"$f":"IF(D172=\"Widowed\", L350,0)","v":0},{"$f":"IF(D173=\"Widowed\", M350,0)","v":0},null,null,null,"Couple ","VIC,6",{"$f":"IF(AND(F170=6, G170=\"VIC\"), D160, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"VIC\"), D160, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"VIC\"), D160, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"VIC\"), D160, 0)","v":0}]
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[{"$f":"IF(D170=\"Separated\", J350,0)","v":0},{"$f":"IF(AND(D171=\"Married\", E171=\"Not In Application\"), K258,0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(D172=\"De-Facto\", E172=\"Not In Application\"), L258,0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(D173=\"De-Facto\", E173=\"Not In Application\"), M258,0)","v":{"$error":"#REF!"}},null,null,null,"Couple ","VIC,8",{"$f":"IF(AND(F170=8, G170=\"VIC\"), D162, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"VIC\"), D162, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"VIC\"), D162, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"VIC\"), D162, 0)","v":0}]
[{"$f":"IF(D170=\"Divorced\", J350,0)","v":0},{"$f":"IF(AND(D171=\"De-Facto\", E171=\"Not In Application\"), K258,0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(D172=\"Married\", E172=\"Not In Application\"), L258,0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(D173=\"Married\", E173=\"Not In Application\"), M258,0)","v":{"$error":"#REF!"}},null,null,null,"Couple ","VIC,9",{"$f":"IF(AND(F170=9, G170=\"VIC\"), D163, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"VIC\"), D163, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"VIC\"), D163, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"VIC\"), D163, 0)","v":0}]
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[null,{"$f":"IF(AND(D171=\"Married\",E171=\"Applicant 3\"),K258,0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(D172=\"Married\", E172=\"Applicant 2\"), 0,0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(D173=\"Married\", E173=\"Applicant 2\"), 0,0)","v":{"$error":"#REF!"}},null,null,null,"Couple ","TAS,2",{"$f":"IF(AND(F170=2, G170=\"TAS\"), E156, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"TAS\"), E156, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"TAS\"), E156, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"TAS\"), E156, 0)","v":0}]
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[null,{"$f":"IF(AND(D171=\"Married\",E171=\"Applicant 4\"),K258,0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(D172=\"De-Facto\",E172=\"Applicant 4\"),L258,0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(D173=\"Married\", E173=\"Applicant 3\"), 0,0)","v":{"$error":"#REF!"}},null,null,null,"Couple ","TAS,4",{"$f":"IF(AND(F170=4, G170=\"TAS\"), E158, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"TAS\"), E158, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"TAS\"), E158, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"TAS\"), E158, 0)","v":0}]
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[null,{"$f":"IF(AND(D171=\"Married\",E171=\"0\"),K258,0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(D172=\"De-Facto\",E172=\"0\"),L258,0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(D173=\"Married\", E173=\"0\"), M258,0)","v":{"$error":"#REF!"}},null,null,null,"Couple ","TAS,6",{"$f":"IF(AND(F170=6, G170=\"TAS\"), E160, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"TAS\"), E160, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"TAS\"), E160, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"TAS\"), E160, 0)","v":0}]
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[{"$f":"SUM(A184:A189)","v":0},{"$f":"SUM(B184:B197)","v":{"$error":"#REF!"}},{"$f":"SUM(C184:C195)","v":{"$error":"#REF!"}},{"$f":"SUM(D184:D197)","v":{"$error":"#REF!"}},null,null,null,"Couple ","TAS,8",{"$f":"IF(AND(F170=8, G170=\"TAS\"), E162, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"TAS\"), E162, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"TAS\"), E162, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"TAS\"), E162, 0)","v":0}]
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[null,"Living Expenses used for servicing ",null,null,{"$f":"IF(E181>E180,E181,E180)","v":{"$error":"#REF!"}},null,null,"Couple ","TAS,10",{"$f":"IF(AND(F170=10, G170=\"TAS\"), E164, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"TAS\"), E164, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"TAS\"), E164, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"TAS\"), E164, 0)","v":0}]
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[null,null,null,null,null,null,null,"Couple ","NT,5",{"$f":"IF(AND(F170=5, G170=\"NT\"), F159, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"NT\"), F159, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"NT\"), F159, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"NT\"), F159, 0)","v":0}]
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[null,null,null,null,null,null,null,"Couple ","NT,7",{"$f":"IF(AND(F170=7, G170=\"NT\"), F161, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"NT\"), F161, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"NT\"), F161, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"NT\"), F161, 0)","v":0}]
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[null,null,null,null,null,null,null,"Couple ","NT,10",{"$f":"IF(AND(F170=10, G170=\"NT\"), F164, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"NT\"), F164, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"NT\"), F164, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"NT\"), F164, 0)","v":0}]
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[null,null,null,null,null,null,null,"Couple ","QLD,8",{"$f":"IF(AND(F170=8, G170=\"QLD\"), G162, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"QLD\"), G162, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"QLD\"), G162, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"QLD\"), G162, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","QLD,9",{"$f":"IF(AND(F170=9, G170=\"QLD\"), G163, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"QLD\"), G163, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"QLD\"), G163, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"QLD\"), G163, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","QLD,10",{"$f":"IF(AND(F170=10, G170=\"QLD\"), G164, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"QLD\"), G164, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"QLD\"), G164, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"QLD\"), G164, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,0",{"$f":"IF(AND(F170=0, G170=\"WA\"), H154, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"WA\"), H154, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"WA\"), H154, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"WA\"), H154, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,1",{"$f":"IF(AND(F170=1, G170=\"WA\"), H155, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"WA\"), H155, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"WA\"), H155, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"WA\"), H155, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,2",{"$f":"IF(AND(F170=2, G170=\"WA\"), H156, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"WA\"), H156, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"WA\"), H156, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"WA\"), H156, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,3",{"$f":"IF(AND(F170=3, G170=\"WA\"), H157, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"WA\"), H157, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"WA\"), H157, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"WA\"), H157, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,4",{"$f":"IF(AND(F170=4, G170=\"WA\"), H158, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"WA\"), H158, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"WA\"), H158, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"WA\"), H158, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,5",{"$f":"IF(AND(F170=5, G170=\"WA\"), H159, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"WA\"), H159, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"WA\"), H159, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"WA\"), H159, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,6",{"$f":"IF(AND(F170=6, G170=\"WA\"), H160, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"WA\"), H160, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"WA\"), H160, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"WA\"), H160, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,7",{"$f":"IF(AND(F170=7, G170=\"WA\"), H161, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"WA\"), H161, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"WA\"), H161, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"WA\"), H161, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,8",{"$f":"IF(AND(F170=8, G170=\"WA\"), H162, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"WA\"), H162, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"WA\"), H162, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"WA\"), H162, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,9",{"$f":"IF(AND(F170=9, G170=\"WA\"), H163, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"WA\"), H163, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"WA\"), H163, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"WA\"), H163, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","WA,10",{"$f":"IF(AND(F170=10, G170=\"WA\"), H164, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"WA\"), H164, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"WA\"), H164, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"WA\"), H164, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,0",{"$f":"IF(AND(F170=0, G170=\"SA\"), I154, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"SA\"), I154, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"SA\"), I154, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"SA\"), I154, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,1",{"$f":"IF(AND(F170=1, G170=\"SA\"), I155, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"SA\"), I155, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"SA\"), I155, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"SA\"), I155, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,2",{"$f":"IF(AND(F170=2, G170=\"SA\"), I156, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"SA\"), I156, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"SA\"), I156, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"SA\"), I156, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,3",{"$f":"IF(AND(F170=3, G170=\"SA\"), I157, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"SA\"), I157, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"SA\"), I157, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"SA\"), I157, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,4",{"$f":"IF(AND(F170=4, G170=\"SA\"), I158, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"SA\"), I158, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"SA\"), I158, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"SA\"), I158, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,5",{"$f":"IF(AND(F170=5, G170=\"SA\"), I159, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"SA\"), I159, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"SA\"), I159, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"SA\"), I159, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,6",{"$f":"IF(AND(F170=6, G170=\"SA\"), I160, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"SA\"), I160, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"SA\"), I160, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"SA\"), I160, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,7",{"$f":"IF(AND(F170=7, G170=\"SA\"), I161, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"SA\"), I161, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"SA\"), I161, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"SA\"), I161, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,8",{"$f":"IF(AND(F170=8, G170=\"SA\"), I162, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"SA\"), I162, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"SA\"), I162, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"SA\"), I162, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,9",{"$f":"IF(AND(F170=9, G170=\"SA\"), I163, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"SA\"), I163, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"SA\"), I163, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"SA\"), I163, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","SA,10",{"$f":"IF(AND(F170=10, G170=\"SA\"), I164, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"SA\"), I164, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"SA\"), I164, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"SA\"), I164, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,0",{"$f":"IF(AND(F170=0, G170=\"ACT\"), J154, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"ACT\"), J154, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"ACT\"), I165, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"ACT\"), J154, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,1",{"$f":"IF(AND(F170=1, G170=\"ACT\"), J155, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"ACT\"), J155, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"ACT\"), I166, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"ACT\"), J155, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,2",{"$f":"IF(AND(F170=2, G170=\"ACT\"), J156, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"ACT\"), J156, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"ACT\"), I167, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"ACT\"), J156, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,3",{"$f":"IF(AND(F170=3, G170=\"ACT\"), J157, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"ACT\"), J157, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"ACT\"), I168, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"ACT\"), J157, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,4",{"$f":"IF(AND(F170=4, G170=\"ACT\"), J158, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"ACT\"), J158, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"ACT\"), I169, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"ACT\"), J158, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,5",{"$f":"IF(AND(F170=5, G170=\"ACT\"), J159, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"ACT\"), J159, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"ACT\"), I170, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"ACT\"), J159, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,6",{"$f":"IF(AND(F170=6, G170=\"ACT\"), J160, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"ACT\"), J160, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"ACT\"), I171, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"ACT\"), J160, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,7",{"$f":"IF(AND(F170=7, G170=\"ACT\"), J161, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"ACT\"), J161, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"ACT\"), I172, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"ACT\"), J161, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,8",{"$f":"IF(AND(F170=8, G170=\"ACT\"), J162, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"ACT\"), J162, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"ACT\"), I173, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"ACT\"), J162, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,9",{"$f":"IF(AND(F170=9, G170=\"ACT\"), J163, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"ACT\"), J163, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"ACT\"), I174, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"ACT\"), J163, 0)","v":0}]
[null,null,null,null,null,null,null,"Couple ","ACT,10",{"$f":"IF(AND(F170=10, G170=\"ACT\"), J164, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"ACT\"), J164, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"ACT\"), I175, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"ACT\"), J164, 0)","v":0}]
[]
[null,null,null,null,null,null,null,null,"Result ",{"$f":"SUM(J169:J256)","v":0},{"$f":"SUM(K169:K256)","v":0},{"$f":"SUM(L169:L256)","v":0},{"$f":"SUM(M169:M256)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4"]
[null,null,null,null,null,null,null,"Single ","NSW,0",{"$f":"IF(AND(F170=0, G170=\"NSW\"), C139, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"NSW\"), C139, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"NSW\"), C139, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"NSW\"), C139, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NSW,1",{"$f":"IF(AND(F170=1, G170=\"NSW\"), C140, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"NSW\"), C140, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"NSW\"), C140, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"NSW\"), C140, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NSW,2",{"$f":"IF(AND(F170=2, G170=\"NSW\"), C141, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"NSW\"), C141, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"NSW\"), C141, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"NSW\"), C141, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NSW,3",{"$f":"IF(AND(F170=3, G170=\"NSW\"), C142, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"NSW\"), C142, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"NSW\"), C142, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"NSW\"), C142, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NSW,4",{"$f":"IF(AND(F170=4, G170=\"NSW\"), C143, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"NSW\"), C143, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"NSW\"), C143, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"NSW\"), C143, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NSW,5",{"$f":"IF(AND(F170=5, G170=\"NSW\"), C144, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"NSW\"), C144, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"NSW\"), C144, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"NSW\"), C144, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NSW,6",{"$f":"IF(AND(F170=6, G170=\"NSW\"), C145, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"NSW\"), C145, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"NSW\"), C145, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"NSW\"), C145, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NSW,7",{"$f":"IF(AND(F170=7, G170=\"NSW\"), C146, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"NSW\"), C146, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"NSW\"), C146, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"NSW\"), C146, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NSW,8",{"$f":"IF(AND(F170=8, G170=\"NSW\"), C147, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"NSW\"), C147, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"NSW\"), C147, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"NSW\"), C147, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NSW,9",{"$f":"IF(AND(F170=9, G170=\"NSW\"), C148, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"NSW\"), C148, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"NSW\"), C148, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"NSW\"), C148, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NSW,10",{"$f":"IF(AND(F170=10, G170=\"NSW\"), C149, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"NSW\"), C149, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"NSW\"), C149, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"NSW\"), C149, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,0",{"$f":"IF(AND(F170=0, G170=\"VIC\"), D139, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"VIC\"), D139, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"VIC\"), D139, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"VIC\"), D139, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,1",{"$f":"IF(AND(F170=1, G170=\"VIC\"), D140, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"VIC\"), D140, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"VIC\"), D140, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"VIC\"), D140, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,2",{"$f":"IF(AND(F170=2, G170=\"VIC\"), D141, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"VIC\"), D141, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"VIC\"), D141, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"VIC\"), D141, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,3",{"$f":"IF(AND(F170=3, G170=\"VIC\"), D142, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"VIC\"), D142, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"VIC\"), D142, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"VIC\"), D142, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,4",{"$f":"IF(AND(F170=4, G170=\"VIC\"), D143, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"VIC\"), D143, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"VIC\"), D143, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"VIC\"), D143, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,5",{"$f":"IF(AND(F170=5, G170=\"VIC\"), D144, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"VIC\"), D144, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"VIC\"), D144, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"VIC\"), D144, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,6",{"$f":"IF(AND(F170=6, G170=\"VIC\"), D145, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"VIC\"), D145, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"VIC\"), D145, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"VIC\"), D145, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,7",{"$f":"IF(AND(F170=7, G170=\"VIC\"), D146, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"VIC\"), D146, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"VIC\"), D146, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"VIC\"), D146, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,8",{"$f":"IF(AND(F170=8, G170=\"VIC\"), D147, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"VIC\"), D147, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"VIC\"), D147, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"VIC\"), D147, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,9",{"$f":"IF(AND(F170=9, G170=\"VIC\"), D148, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"VIC\"), D148, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"VIC\"), D148, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"VIC\"), D148, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","VIC,10",{"$f":"IF(AND(F170=10, G170=\"VIC\"), D149, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"VIC\"), D149, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"VIC\"), D149, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"VIC\"), D149, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,0",{"$f":"IF(AND(F170=0, G170=\"TAS\"), E139, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"TAS\"), E139, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"TAS\"), E139, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"TAS\"), E139, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,1",{"$f":"IF(AND(F170=1, G170=\"TAS\"), E140, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"TAS\"), E140, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"TAS\"), E140, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"TAS\"), E140, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,2",{"$f":"IF(AND(F170=2, G170=\"TAS\"), E141, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"TAS\"), E141, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"TAS\"), E141, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"TAS\"), E141, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,3",{"$f":"IF(AND(F170=3, G170=\"TAS\"), E142, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"TAS\"), E142, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"TAS\"), E142, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"TAS\"), E142, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,4",{"$f":"IF(AND(F170=4, G170=\"TAS\"), E143, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"TAS\"), E143, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"TAS\"), E143, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"TAS\"), E143, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,5",{"$f":"IF(AND(F170=5, G170=\"TAS\"), E144, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"TAS\"), E144, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"TAS\"), E144, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"TAS\"), E144, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,6",{"$f":"IF(AND(F170=6, G170=\"TAS\"), E145, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"TAS\"), E145, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"TAS\"), E145, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"TAS\"), E145, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,7",{"$f":"IF(AND(F170=7, G170=\"TAS\"), E146, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"TAS\"), E146, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"TAS\"), E146, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"TAS\"), E146, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,8",{"$f":"IF(AND(F170=8, G170=\"TAS\"), E147, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"TAS\"), E147, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"TAS\"), E147, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"TAS\"), E147, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,9",{"$f":"IF(AND(F170=9, G170=\"TAS\"), E148, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"TAS\"), E148, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"TAS\"), E148, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"TAS\"), E148, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","TAS,10",{"$f":"IF(AND(F170=10, G170=\"TAS\"), E149, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"TAS\"), E149, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"TAS\"), E149, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"TAS\"), E149, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,0",{"$f":"IF(AND(F170=0, G170=\"NT\"), F139, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"NT\"), F139, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"NT\"), F139, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"NT\"), F139, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,1",{"$f":"IF(AND(F170=1, G170=\"NT\"), F140, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"NT\"), F140, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"NT\"), F140, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"NT\"), F140, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,2",{"$f":"IF(AND(F170=2, G170=\"NT\"), F141, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"NT\"), F141, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"NT\"), F141, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"NT\"), F141, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,3",{"$f":"IF(AND(F170=3, G170=\"NT\"), F142, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"NT\"), F142, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"NT\"), F142, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"NT\"), F142, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,4",{"$f":"IF(AND(F170=4, G170=\"NT\"), F143, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"NT\"), F143, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"NT\"), F143, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"NT\"), F143, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,5",{"$f":"IF(AND(F170=5, G170=\"NT\"), F144, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"NT\"), F144, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"NT\"), F144, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"NT\"), F144, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,6",{"$f":"IF(AND(F170=6, G170=\"NT\"), F145, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"NT\"), F145, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"NT\"), F145, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"NT\"), F145, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,7",{"$f":"IF(AND(F170=7, G170=\"NT\"), F146, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"NT\"), F146, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"NT\"), F146, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"NT\"), F146, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,8",{"$f":"IF(AND(F170=8, G170=\"NT\"), F147, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"NT\"), F147, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"NT\"), F147, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"NT\"), F147, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,9",{"$f":"IF(AND(F170=9, G170=\"NT\"), F148, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"NT\"), F148, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"NT\"), F148, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"NT\"), F148, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","NT,10",{"$f":"IF(AND(F170=10, G170=\"NT\"), F149, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"NT\"), F149, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"NT\"), F149, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"NT\"), F149, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,0",{"$f":"IF(AND(F170=0, G170=\"QLD\"), G139, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"QLD\"), G139, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"QLD\"), G139, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"QLD\"), G139, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,1",{"$f":"IF(AND(F170=1, G170=\"QLD\"), G140, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"QLD\"), G140, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"QLD\"), G140, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"QLD\"), G140, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,2",{"$f":"IF(AND(F170=2, G170=\"QLD\"), G141, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"QLD\"), G141, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"QLD\"), G141, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"QLD\"), G141, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,3",{"$f":"IF(AND(F170=3, G170=\"QLD\"), G142, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"QLD\"), G142, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"QLD\"), G142, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"QLD\"), G142, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,4",{"$f":"IF(AND(F170=4, G170=\"QLD\"), G143, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"QLD\"), G143, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"QLD\"), G143, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"QLD\"), G143, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,5",{"$f":"IF(AND(F170=5, G170=\"QLD\"), G144, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"QLD\"), G144, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"QLD\"), G144, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"QLD\"), G144, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,6",{"$f":"IF(AND(F170=6, G170=\"QLD\"), G145, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"QLD\"), G145, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"QLD\"), G145, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"QLD\"), G145, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,7",{"$f":"IF(AND(F170=7, G170=\"QLD\"), G146, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"QLD\"), G146, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"QLD\"), G146, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"QLD\"), G146, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,8",{"$f":"IF(AND(F170=8, G170=\"QLD\"), G147, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"QLD\"), G147, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"QLD\"), G147, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"QLD\"), G147, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,9",{"$f":"IF(AND(F170=9, G170=\"QLD\"), G148, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"QLD\"), G148, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"QLD\"), G148, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"QLD\"), G148, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","QLD,10",{"$f":"IF(AND(F170=10, G170=\"QLD\"), G149, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"QLD\"), G149, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"QLD\"), G149, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"QLD\"), G149, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,0",{"$f":"IF(AND(F170=0, G170=\"WA\"), H139, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"WA\"), H139, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"WA\"), H139, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"WA\"), H139, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,1",{"$f":"IF(AND(F170=1, G170=\"WA\"), H140, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"WA\"), H140, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"WA\"), H140, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"WA\"), H140, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,2",{"$f":"IF(AND(F170=2, G170=\"WA\"), H141, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"WA\"), H141, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"WA\"), H141, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"WA\"), H141, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,3",{"$f":"IF(AND(F170=3, G170=\"WA\"), H142, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"WA\"), H142, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"WA\"), H142, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"WA\"), H142, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,4",{"$f":"IF(AND(F170=4, G170=\"WA\"), H143, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"WA\"), H143, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"WA\"), H143, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"WA\"), H143, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,5",{"$f":"IF(AND(F170=5, G170=\"WA\"), H144, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"WA\"), H144, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"WA\"), H144, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"WA\"), H144, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,6",{"$f":"IF(AND(F170=6, G170=\"WA\"), H145, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"WA\"), H145, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"WA\"), H145, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"WA\"), H145, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,7",{"$f":"IF(AND(F170=7, G170=\"WA\"), H146, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"WA\"), H146, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"WA\"), H146, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"WA\"), H146, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,8",{"$f":"IF(AND(F170=8, G170=\"WA\"), H147, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"WA\"), H147, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"WA\"), H147, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"WA\"), H147, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,9",{"$f":"IF(AND(F170=9, G170=\"WA\"), H148, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"WA\"), H148, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"WA\"), H148, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"WA\"), H148, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","WA,10",{"$f":"IF(AND(F170=10, G170=\"WA\"), H149, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"WA\"), H149, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"WA\"), H149, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"WA\"), H149, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,0",{"$f":"IF(AND(F170=0, G170=\"SA\"), I139, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"SA\"), I139, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"SA\"), I139, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"SA\"), I139, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,1",{"$f":"IF(AND(F170=1, G170=\"SA\"), I140, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"SA\"), I140, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"SA\"), I140, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"SA\"), I140, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,2",{"$f":"IF(AND(F170=2, G170=\"SA\"), I141, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"SA\"), I141, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"SA\"), I141, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"SA\"), I141, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,3",{"$f":"IF(AND(F170=3, G170=\"SA\"), I142, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"SA\"), I142, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"SA\"), I142, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"SA\"), I142, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,4",{"$f":"IF(AND(F170=4, G170=\"SA\"), I143, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"SA\"), I143, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"SA\"), I143, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"SA\"), I143, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,5",{"$f":"IF(AND(F170=5, G170=\"SA\"), I144, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"SA\"), I144, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"SA\"), I144, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"SA\"), I144, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,6",{"$f":"IF(AND(F170=6, G170=\"SA\"), I145, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"SA\"), I145, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"SA\"), I145, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"SA\"), I145, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,7",{"$f":"IF(AND(F170=7, G170=\"SA\"), I146, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"SA\"), I146, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"SA\"), I146, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"SA\"), I146, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,8",{"$f":"IF(AND(F170=8, G170=\"SA\"), I147, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"SA\"), I147, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"SA\"), I147, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"SA\"), I147, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,9",{"$f":"IF(AND(F170=9, G170=\"SA\"), I148, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"SA\"), I148, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"SA\"), I148, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"SA\"), I148, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","SA,10",{"$f":"IF(AND(F170=10, G170=\"SA\"), I149, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"SA\"), I149, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"SA\"), I149, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"SA\"), I149, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,0",{"$f":"IF(AND(F170=0, G170=\"ACT\"), J154, 0)","v":0},{"$f":"IF(AND(F171=0, G171=\"ACT\"), J139, 0)","v":0},{"$f":"IF(AND(F172=0, G172=\"ACT\"), J139, 0)","v":0},{"$f":"IF(AND(F173=0, G173=\"ACT\"), J139, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,1",{"$f":"IF(AND(F170=1, G170=\"ACT\"), J155, 0)","v":0},{"$f":"IF(AND(F171=1, G171=\"ACT\"), J140, 0)","v":0},{"$f":"IF(AND(F172=1, G172=\"ACT\"), J140, 0)","v":0},{"$f":"IF(AND(F173=1, G173=\"ACT\"), J140, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,2",{"$f":"IF(AND(F170=2, G170=\"ACT\"), J156, 0)","v":0},{"$f":"IF(AND(F171=2, G171=\"ACT\"), J141, 0)","v":0},{"$f":"IF(AND(F172=2, G172=\"ACT\"), J141, 0)","v":0},{"$f":"IF(AND(F173=2, G173=\"ACT\"), J141, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,3",{"$f":"IF(AND(F170=3, G170=\"ACT\"), J157, 0)","v":0},{"$f":"IF(AND(F171=3, G171=\"ACT\"), J142, 0)","v":0},{"$f":"IF(AND(F172=3, G172=\"ACT\"), J142, 0)","v":0},{"$f":"IF(AND(F173=3, G173=\"ACT\"), J142, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,4",{"$f":"IF(AND(F170=4, G170=\"ACT\"), J158, 0)","v":0},{"$f":"IF(AND(F171=4, G171=\"ACT\"), J143, 0)","v":0},{"$f":"IF(AND(F172=4, G172=\"ACT\"), J143, 0)","v":0},{"$f":"IF(AND(F173=4, G173=\"ACT\"), J143, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,5",{"$f":"IF(AND(F170=5, G170=\"ACT\"), J159, 0)","v":0},{"$f":"IF(AND(F171=5, G171=\"ACT\"), J144, 0)","v":0},{"$f":"IF(AND(F172=5, G172=\"ACT\"), J144, 0)","v":0},{"$f":"IF(AND(F173=5, G173=\"ACT\"), J144, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,6",{"$f":"IF(AND(F170=6, G170=\"ACT\"), J160, 0)","v":0},{"$f":"IF(AND(F171=6, G171=\"ACT\"), J145, 0)","v":0},{"$f":"IF(AND(F172=6, G172=\"ACT\"), J145, 0)","v":0},{"$f":"IF(AND(F173=6, G173=\"ACT\"), J145, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,7",{"$f":"IF(AND(F170=7, G170=\"ACT\"), J161, 0)","v":0},{"$f":"IF(AND(F171=7, G171=\"ACT\"), J146, 0)","v":0},{"$f":"IF(AND(F172=7, G172=\"ACT\"), J146, 0)","v":0},{"$f":"IF(AND(F173=7, G173=\"ACT\"), J146, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,8",{"$f":"IF(AND(F170=8, G170=\"ACT\"), J162, 0)","v":0},{"$f":"IF(AND(F171=8, G171=\"ACT\"), J147, 0)","v":0},{"$f":"IF(AND(F172=8, G172=\"ACT\"), J147, 0)","v":0},{"$f":"IF(AND(F173=8, G173=\"ACT\"), J147, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,9",{"$f":"IF(AND(F170=9, G170=\"ACT\"), J163, 0)","v":0},{"$f":"IF(AND(F171=9, G171=\"ACT\"), J148, 0)","v":0},{"$f":"IF(AND(F172=9, G172=\"ACT\"), J148, 0)","v":0},{"$f":"IF(AND(F173=9, G173=\"ACT\"), J148, 0)","v":0}]
[null,null,null,null,null,null,null,"Single ","ACT,10",{"$f":"IF(AND(F170=10, G170=\"ACT\"), J164, 0)","v":0},{"$f":"IF(AND(F171=10, G171=\"ACT\"), J149, 0)","v":0},{"$f":"IF(AND(F172=10, G172=\"ACT\"), J149, 0)","v":0},{"$f":"IF(AND(F173=10, G173=\"ACT\"), J149, 0)","v":0}]
[]
[null,null,null,null,null,null,null,null,"Result ",{"$f":"SUM(J261:J348)","v":0},{"$f":"SUM(K261:K348)","v":0},{"$f":"SUM(L261:L348)","v":0},{"$f":"SUM(M261:M348)","v":0}]

{"sheet":"References","index":7,"n_rows":62,"n_cols":42,"rows_kept":62,"cut":false,"hidden":true,"merged":[[0,4,0,7]]}
["Foreign Exchange Haircut",0.9,null,null,"Dropdowns ",null,null,null,null,"Spouse ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Promo Codes"]
["Income",null,null,null,null,"No of Dependants ","TAX Deductible ","Select",null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4",null,"Marital Status ",null,"Loan Purpose",null,null,null,"Employment Type",null,"Assets",null,"None",null,"Income Type",null,"Product Type",null,"Applicant Type",null,"Product Definition","Base Rate","Is PL","Residency Status",null,"Applicant",null,"Repayment Type",null,"Frequency"]
["Type","Percentage Accepted of Gross","Taxed ",null,null,0,"Yes ",30,null,"Applicant 2","Applicant 1","Applicant 1","Applicant 1",null,"NA",null,"Home Extension / Improvement",null,null,null,"Full time PAYG",null,"Owner Occupied Property",null,"Establishment Fee Waiver - Promo til 30-6-17",null,"Gross",null,"Personal Loan Unsecured",null,"Internal Pioneer",null,"Select",0,"N","Aust/NZ citizen",null,"Applicant 1",null,"Interest Only",null,"Weekly"]
[{"$f":"'3_SERVICE'!B26","v":"Gross PAYG (Full time, part time, contract)"},{"$f":"100%","v":1},"Yes",null,null,1,"No",29,null,"Applicant 3","Applicant 3","Applicant 2","Applicant 2",null,"Single",null,"Household Appliances / Furniture",null,null,null,"Part time PAYG",null,"Investment Property",null,"Establishment Fee Waiver- GMY CEO",null,"Net",null,"Personal Loan Mortgage Secured",null,"External Pioneer",null,"CAR.LOAN.3Y",5.99,"Y","Permanent Resident",null,"Applicant 2",null,"Principal and Interest",null,"Fortnightly"]
[{"$f":"'3_SERVICE'!B27","v":"Gross Casual or Temp Income"},{"$f":"100%","v":1},"Yes",null,null,2,null,28,null,"Applicant 4","Applicant 4","Applicant 4","Applicant 3",null,"Married",null,"Debt Consolidation",null,null,null,"Casual",null,"Vehicle",null,null,null,null,null,"Personal Loan Other Secured",null,"Staff Pioneer",null,"CAR.LOAN.3Y.MORE",7.49,"Y","Temporary Resident",null,"Applicant 1 and 2",null,null,null,"Monthly"]
[{"$f":"'3_SERVICE'!B28","v":"Gross Overtime "},0.8,"Yes",null,null,3,null,27,null,"Not in application","Not in application","Not in application","Not in application",null,"De-Facto",null,"Travel",null,null,null,"Contract",null,"Contents",null,null,null,null,null,"Home Loans/Investment Pty Loan",null,"Bare Money",null,"PL.MORTGAGE.SEC",5.5,"Y","Non resident",null,null,null,null,null,"Quarterly"]
[{"$f":"'3_SERVICE'!B29","v":"Gross Bonuses "},0.8,"Yes",null,null,4,null,26,null,null,null,null,null,null,"Divorced",null,"Education",null,null,null,"Temp",null,"Savings",null,null,null,null,null,null,null,null,null,"PL.OTHER.SEC",10.3,"Y",null,null,null,null,null,null,"Annual"]
[{"$f":"'3_SERVICE'!B30","v":"Gross Commissions"},0.8,"Yes",null,null,5,null,25,null,null,null,null,null,null,"Separated",null,"Litigation costs",null,null,null,"Self Employed",null,"Investments",null,null,null,null,null,null,null,null,null,"PL.UNSECURED",12.99,"Y"]
[{"$f":"'3_SERVICE'!B31","v":"Employer allowances"},{"$f":"100%","v":1},"Yes",null,null,6,null,24,null,null,null,null,null,null,"Widowed",null,"Living Expenses",null,null,null,null,null,"Super",null,null,null,null,null,null,null,null,null,"HL.OWNER.OCCUPIER",4.75,"N"]
[{"$f":"'3_SERVICE'!B32","v":"Rental Income"},0.8,"No",null,null,7,null,23,null,null,null,null,null,null,null,null,"Wedding/Honeymoon",null,null,null,null,null,"Other",null,null,null,null,null,null,null,null,null,"HL.INVESTMENT",4.95,"N"]
[{"$f":"'3_SERVICE'!#REF!","v":{"$error":"#REF!"}},0.8,"No",null,null,8,null,22,null,null,"State",null,null,null,null,null,"Deposit for house",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HL.BRIDGING",4.75,"N"]
[{"$f":"'3_SERVICE'!B33","v":"Investment Income "},0.8,"Yes",null,null,9,null,21,null,null,"ACT",null,null,null,null,null,"Owner occupied property purchase",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HL.CONSTRUCTION",4.75,"N"]
[{"$f":"'3_SERVICE'!B34","v":"Government Pension"},1,"No",null,null,10,null,20,null,null,"NSW",null,null,null,null,null,"Property construction",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SMSF.LOAN.RESIDENTIAL",4.75,"N"]
[{"$f":"'3_SERVICE'!B35","v":"Family Allowance/Childcare support/Child maintenance"},1,"No",null,null,11,null,19,null,null,"NT",null,null,null,null,null,"Investment property",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SMSF.LOAN.COMMERCIAL",5.99,"N"]
[{"$f":"'3_SERVICE'!B40","v":0},0,"Yes",null,null,12,null,18,null,null,"QLD",null,null,null,null,null,"Vacant Land",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BUSINESS.LOAN.COMM",5.99,"N"]
[{"$f":"'3_SERVICE'!B41","v":"Other Income "},{"$f":"100%*B1","v":0.9},"Yes",null,null,null,null,17,null,null,"SA",null,null,null,null,null,"Refinance",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BUSINESS.LOAN.RESDENT",4.75,"N"]
["NPBT",1,"Yes",null,null,null,null,16,null,null,"TAS",null,null,null,null,null,"Bridging finance",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Better Choice Owner Occ 90%",3.8,"N"]
["Interest Add Back",1,"No",null,null,null,null,15,null,null,"VIC",null,null,null,null,null,"Other",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<EXPAT>Better Choice Inv P&I 80%",2.89,"N"]
["Depreciation Add Back",0.5,"No",null,null,null,null,14,null,null,"WA",null,null,null,null,null,"Business Purpose",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<EXPAT>Better Choice Inv I/O 80%",3.14,"N"]
["Gross Salary Add Back",1,"Yes",null,null,null,null,13,null,null,null,null,null,null,null,null,"Investment - Non residential property",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<EXPAT>Better Choice Owner Occ 80%",3.39,"N"]
["Non Recurring Expenses ",1,"Yes",null,null,null,null,12,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<EXPAT>Better Choice Inv P&I 70%",2.69,"N"]
["Other Add Back",1,"No",null,null,null,null,11,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<EXPAT>Better Choice Inv I/O 70%",2.94,"N"]
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["Liabilities ",null,null,null,null,null,null,9,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fixed Rate 4 Year Owner Occ",4.3899999999999997,"N"]
["Type","Buffer Percentage ","Of ",null,null,null,null,8,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fixed Rate 5 Year Owner Occ",4.49,"N"]
["Credit Card / Overdraft",3.7999999999999999E-2,"Limit ",null,null,null,null,7,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fixed Rate 1 Year Investor Loan",4.34,"N"]
["Mortgage ",null,"Monthly Repayment ",null,null,null,null,6,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fixed Rate 2 Year Investor Loan",4.34,"N"]
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["New Mortgage",null,null,null,null,null,null,4,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fixed Rate 4 Year Investor Loan",4.74,"N"]
["Assessment Rate ",{"$f":"MAX(5.25%,'3_SERVICE'!C9+3%)","v":7.7800000000000008E-2},null,null,null,null,null,3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fixed Rate 5 Year Investor Loan",4.8899999999999997,"N"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<EXPAT>Better Choice Inv IO 80% 2Y Fixed",3.34]
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[]
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["Living Expenses ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<EXPAT>Better Choice Inv P&I 80% 2Y Fixed"]
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["Select",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"<EXPAT>Better Choice Inv IO 80% 3Y Fixed"]
["Y"]
["N"]
["Awaiting Credit Check"]
[]
["Residential Status"]
["Renting"]
["Boarding"]
["Living with parents"]
["Home owner"]
[]
[]
["No - Sole Borrower"]
["Yes - With Partner"]
["Yes - With Non Partner"]

{"sheet":"Version Control","index":8,"n_rows":8,"n_cols":6,"rows_kept":8,"cut":false,"hidden":true,"merged":[]}
["Version","Date","Change Requestor","Changee","Change Requests","Changes"]
[1.1000000000000001,"2020-12-01","Gloria Mudge","Jake Miller","Could you please look to adjust the servicing calculator so shading at converted rate is now at 90% as per standard Expat policy? \n\nThe following will also need to be adjusted \n\n Assessment rate 5.25% \n Please review the HEM figures (I think there was a 5% loading which should remain in place)\n","Assessment Rate changed from 5.4% to 5.25% on references sheet cell B30\nFor HEM as if Q2 Figures, average HEM over couple across all income bands actually reduced, therefore not greater than 5% tolerance level and does not need to be updated.\nUpdated shading for foreign income, C10:C54 changing from 80 to 90 to reducing shading on foreign incomes.\n"]
[1.1200000000000001,"2021-03-04","Gloria Mudge","Nick Chong","Please see below updated rates to amend …\n \n•\tINV PI 70% = 2.90%\n•\tINV IO 70% = 3.10%\n•\tINV PI 80% = 3.10%\n•\tINV IO 80% = 3.30%","Updated rates"]
[1.2,"2021-08-25","Kevin Lee","Jake Miller","From: Kevin Lee | Better Choice <Kevin.L@betterchoice.com.au> \nSent: Thursday, 12 August 2021 6:13 AM\nTo: Jake Miller <jake.miller@bnk.com.au>\nSubject: Expat Servicing Calculator \nImportance: High\n \nHi Jake,\n \nOverlooked getting the Gold Expat Servicing Calculator rates updated with the last rate change.\n \nAre you able to update please to below rates at your earliest convenience as always we have a deal in to progress.\n \n ","Updated references sheet to change Base rate of core products as per picture on the right."]
[1.3,"2021-10-21","Gloria Mudge","Jean du Plessis","Jira ticket: https://betterchoice.atlassian.net/jira/servicedesk/projects/SD/queues/custom/49/SD-1069\nChange requested by Gloria Mudge.\nAssesment rate to be increased from 5.25% to 5.75%","Updated References Cell B30. Left percentage of 5.25 AS IS.\nUpdated 2.5% to 3%\nFormula changed from:\n=MAX(5.25%,'3_SERVICE'!C9+2.5%)\nTO:\n=MAX(5.25%,'3_SERVICE'!C9+3%)\n\nUpdated Rates on References sheet (AG32:AH35)\nFROM:\n<EXPAT>Better Choice Inv P&I 80% 2Y Fixed:\t2.49\n<EXPAT>Better Choice Inv IO 80% 2Y Fixed:\t2.79\n<EXPAT>Better Choice Inv P&I 80% 3Y Fixed:\t2.69\n<EXPAT>Better Choice Inv IO 80% 3Y Fixed:\t2.99\n\nTO:\n<EXPAT>Better Choice Inv P&I 80% 2Y Fixed:\t2.59\n<EXPAT>Better Choice Inv IO 80% 2Y Fixed:\t2.89\n<EXPAT>Better Choice Inv P&I 80% 3Y Fixed:\t2.79\n<EXPAT>Better Choice Inv IO 80% 3Y Fixed:\t3.04\n\n"]
[4.0999999999999996,"2022-03-01",null,"BCHL","See Ticket SD-1080","Cap at zero"]
[4.2,"2022-07-07","Gloria Mudge","Nick Chong","•\tHEM Income thresholds to be updated on each calculator as these have adjusted since the last HEM update (2022 figures) \n•\tVersion control numbers to be updated on each calculator \n•\tPlease also update the internal Ultimate calculator which includes the subordination calculator with the 3% buffer and HEM figures. \n•\tAll calculators are to be locked once finalised. ","Updated HEM according to the 2022 figures"]
[4.2,"2022-07-21","Jake Miller","Jake Miller","Fix #Ref Issue and reset button","Appears that a row was deleted out of the calculator where you could toggle between yes and no, this was used in the vlookups for 3_service in range G61:68, therefore updated the if statements to always be \"Y\"\n\nIn the defined named range, the range \"Service drop down\" also referenced this space, so the code would not execute, so within the defined name range deleted the reference to the #ref cell."]