╨╧рб▒с>■  #%■    !"                                                                                                                                                                                                                                                                                                                                                                                                                                        ье┴ Ё┐Bpbjbjрр "*ВjВjBl      l6666666JШ[Ш[Ш[Ш[,─[┤J(З|Д^Д^Д^Д^Д^Д^Д^Д^зЖйЖйЖйЖйЖйЖйЖ$дИ ─К╝═Ж6Д^Д^Д^Д^Д^═ЖDa66Д^Д^тЖDaDaDaД^Ъ6Д^6Д^зЖDaД^зЖDa╢Da·cVk@66█kД^x^ Jр╜ W┼JNYШ[_&Wk █k╠°Ж0(ЗckxАЛDaАЛ█kDaJJ6666┘What are the types of finite risk reinsurance transactions? Retrospective [To be provided by regulators]: Adverse Development Cover / Loss Portfolio Transfer addresses old year liabilities, and permits management to focus on ongoing business. Can include transfer of claims management Prospective: Structured Quota Share allows access to traditional pro rata protection while allowing the customer to retain a share of the positive economics ReinsuredABC Ceding Company (the УReinsuredФ)ReinsurerXYZ Reinsurance Company (the УReinsurerФ)TypeQuota Share Reinsurance AgreementBusiness CoveredLosses on policies in force as of December 1, 2002 and classified as workers compensation or employers liabilityTermDecember 1, 2002 to November 30, 2003Quota Share Percentage50%Limit and RetentionThe Reinsured shall cede and the Reinsurer shall accept the Quota Share Percentage of the net retained liability for Ultimate Net Loss as respects the business covered hereunder. The Reinsurer shall not be liable for any Ultimate Net Loss in excess of a loss ratio of 65% until such loss ratio exceeds 70%, whereby the Reinsurer is liable for its quota share percentage of losses excess of 70% loss ratio, not to exceed 100% loss ratio. The Reinsured is liable for net loss in excess of the loss ratio of 100%.PremiumThe Reinsured shall pay the Reinsurer the quota share percentage (50%) of the subject gross net premium the Reinsured charges on the policies reinsured by this Agreement.ReinsurerТs Margin4% of Premium; minimum of $1 million.Ceding CommissionA Ceding Commission will be paid which will vary according to the Ultimate Net Loss. The provisional ceding commission will be 30% of Ceded Premium for Direct Loss Ratios of 65% through 75%, inclusive. As the Loss Ratio decreases from 64% to 55%, the ceded commission rate will increase on percentage-by-percentage basis from 30% to 40%, with 40% being the maximum Ceding Commission percentage. As the Loss Ratio increases from 76% to 80%, the ceded commission rate will decrease on percentage-by-percentage basis from 30% to 25%, with 25% being the minimum Ceding Commission percentage. Experience AccountThe Reinsurer will establish a notional Experience Account for the benefit of the Reinsured. The Experience Account shall be maintained by the Reinsurer and adjusted quarterly as follows: Beginning balance, plus Premium, less Ceding Commission, less ReinsurerТs Margin, less Ceded Ultimate Net Losses Paid, plus Interest Credit The beginning balance at inception will be the unearned premium on in force business at inception less Minimum Ceding Commission and less ReinsurerТs Margin.Interest CreditInterest credit will be 3% per annum.CommutationIf the experience account is positive the Reinsured may commute ant any time after December 1, 2005. The Reinsured will be entitled to 100% if any positive balance in the experience account. If the Experience Account is negative, commutation must be mutual agreement between the Reinsured and the Reinsurer. Type of Contract: Property Quota Share Reinsurance Scope: Reinsurance of all business in force at January 1, 1999, and issued or renewed thereafter, classified by the company as property insurance, including but not limited to the property sections of homeowners, farmowners, businessowners, commercial, earthquake, fire, allied lines, inland marine, and auto physical damage Reinsurers: Reinsurer Participation Company W 25% Company X 25 Company Y 25 Company Z 25 Total 100% Retention: A 70% quota share portion of the subject business in force. The company has the option to change the quota share percentage ceded by up to 5% per quarter up to a maximum reduction of 10% or maximum increase of 20% for the year. Loss Corridor Retention: If the ratio of losses paid to premiums earned exceeds 66% for any calendar year, the company shall retain 100% of all losses greater than 66% of losses paid to premiums earned, up to a ratio of 74% of losses paid to premiums earned. Above 74%, the reinsurers shall resume their full quota share percentage of all liabilities. Coverage: A 30% quota share portion of the subject business in force excluding liability within the loss corridor, which is retained 100% by the company Premiums: The reinsurersТ quota share portion of all premiums on the subject business, less a provisional commission of 37% Commissions: Nominal annual ceding commission of 37% of premium ceded, adjusted annually to a minimum commission of 32% when the subject business loss ratio is 66% or greater, or to a maximum commission of 45% when the loss ratio is less than 45% Effective Date: January 1, 1995, for unlimited contract term Termination: By either party as of any January 1st contract anniversary by providing at least 60 days advance written notice ------------------------------------------------- Type: Quota Share Reinsurer: Reinsurer X Scope: All business written by the company Retention: 90% of the aggregate net and unreinsured losses Coverage: 10% of the aggregate net retained liability by the company, on a paid basis Premium: 10% of net written premium and a reinsurance margin of 4.4% of subject net earned premium (hereinafter SNEP). The company is also subject to maintenance fees equal to 0.5% of SNEP commencing April 1, 2005, 0.6% of SNEP commencing April 1, 2006, and 1.2% of SNEP for each additional twelve month period Commissions: 26% of net written premium and 31% of net written premium if the companyТs net loss ratio is 83% or higher Commutation: Unilaterial right to commute Ц any calendar quarter end if the net funds held account balance equals or exceeds the net unpaid ceded ultimate net loss balance, which includes IBNR; or for a commutation amount equal to the funds held account balance at the date of commutation. ReinsurerТs consent to commute Ц any calendar quarter end on or after the termination of the agreement to commute all ceded ultimate net losses outstanding hereunder for an amount mutually agreed upon. The funds held account is to be established and maintained by the company and is comprised of the following cumulative amounts: The first quarter subject net unearned premium; plus Reinsurance premium credited each quarter thereafter; less ReinsurerТs margin each quarter; less Maintenance fee; less Ceding commissions paid by the reinsurer each quarter; less Ceded ultimate net losses paid by the reinsurer each quarter, plus Interest credit of 1.125% credited quarterly Effective date: October 1, 2003 Termination: October 1, 2004 Example:Pre contract observations:1. Aggressive Growtha. Written Premium in 2003 is fives times the Written Premium in 2000.b. Average annual increase in last 3 years is 73%.2. Company's historical data is no longer valid for projecting future expected losses.a. Even so, mean historical loss ratio is about 77% with standard deviation of 9%.Contract Provisions:1. Type:Finite Quota Share for 2004 policy year2. QS Percentage:60% Capped at 92.5% of Ultimate Loss Ratio3. Reinsurer's Margin:8% of subject premium4. Funds withheld account:Interest Credited at 2.5%5. Commision:Sliding Scale with provisional = 39% (min = 29% at 68% LR and max = 49% at 47% LR)6. Subject Premium:Approximately $170 million.7. Commutation:Company can commute only with the consent of the Reinsurer, all ceded ultimate net loss outstanding. Results of Risk Transfer Analysis:1. There is just a little over 10% (10.2% to be exact) chance that the reinsurer's loss is 10% or more, but never more than 13.5%.2. The reinsurer's maximum loss is about 13.5% when the loss ratio is 92.5% or more and the probability of which is approximately 6%.3. On average, the PV of the reinsurer's profit is 4,149 which is about 7% of ceded premium less provisional commission.Also on average, the PV of the reinsurer's profit is 4,149 which is 5% of PV of the fund withheld balance of 75,653.4. Expected Reinsurer Deficit (ERD) (defined as the average reinsurer deficit over all values where a deficit exits) is -7%Comments:1. If the ultimate loss ratio is over 92.5%, the cedant pays all the losses 100% above 92.5%.2. In general, when a company is growing at an annual rate of about 73%, the loss ratios deteriorate, all else being equal.Which means, one can reasonably expect the loss experience to deteriorate but can not be quantified.3. Since, company is ceding 60%, they get immediate surplus aid or increase in capacity, which in turn enables the company to write even more!4. Although the company passed the so called 10-10 rule, the maximum the reinsurer loses is 13.5% in the worst case scenario.Incidentally, SSAP 62 DOES NOT mention the 10-10 rule. It is a completely made up number.5. Note how close the average reinsure's profit percentage of 7% of ceded premium less margin is to reinsurer's margin percentage of 8% of subject premium. Example:Pre contract observations:1. Unauthorized Offshore Reinsurer2. Reinsurer surplus:$6 million as of 12/31/2003.Note: Company did not provide Financial Statement of Reinsurer as of 12/31/2002, although the effective date of coverage is 1/1/2003.3. Company's mean historical loss ratio is about 84% with standard deviation of 5%.Contract Provisions:1. Type:Excess Layer for Losses incurred in 2003.2. Subject Premium:Approximately $800 million.3. Ceded Premium:$35 million.4. Attachment Point65% of Ultimate Loss Ratio.5. Max Ceded Layer %12% but not in excess of $110 million.6. Funds withheld account:Interest Credited at 6%7. Agreement Date:9/28/2003but policy is effective 1/1/2003Results of Risk Transfer Analysis:1. There is 99.5% chance (virtually guaranteed) that the reinsurer's loss is 10% or more.2. The probability that the reinsurer profits is remote.Comments:1. The offshore reinsure's surplus is only $6 million, while the maximum ceded amount is $115 million.2. The reinsurer is guaranteed of loss, so why would the reinsurer write this contract? Are there side agreements?3. Paragraph 8(c) of SSAP 62 states the requirements for reinsurance agreements, one of which is that there should be no guarantee of profitfrom ceding entity to reinsurer or vice versa. This contact does not even comply with the requirements of reinsurance contract.4. This contract does pass the so called 10-10 rule, which in this case is meaningless.5. The company does not have any documentation including underwriting files, correspondence, etc. Aggregate Stop Loss provides whole account protection against both frequency and severity of loss, a.k.a the УUltimate Cat CoverФ for management Simple Example: Prospective aggregate stop-loss policy: Company A enters into a contract with Reinsurer B. The contract provides that for losses above a 60% loss ratio Reinsurer B will provide coverage. Assuming $100 in premiums and $100 in losses, Reinsurer B would cover $40 in losses. In return, Company A will pay (or hold on behalf of the reinsurer) 50% of the losses ($20).The funds held ($20) are generally some present value of the expected payment stream of the losses reinsured (could be predetermined before the contract is signed). Those funds are expected to accrete (through investment income) to near the original loss amount ($40). As a result, Insurer AТs reported loss ratio is 75% ($60 in losses on net premiums of $80 Ч $100 less the $20 paid to the reinsurer) as opposed to 100%. Stop-Loss treaties . The corporate stop-loss treaties for accident years 1999 through 2004 which are finite risk type contracts covering all business except property. Each contract has two coverage sections. One covers losses per occurrence in excess of a given retention with coverage up to a specified limit. This section is applicable for several specific divisions. The second section provides protection in the event that accident year loss ratio exceeds the retention point. The excess is covered up to the limit of the treaty. The contract is on a funds held basis. The following table provides a synopsis of the coverages for the latter section: Accident yearAttachment point (LR%)Max LimitInterim limit199981.0%$500 millionSum of premiums plus interest income earned to date on funds plus a risk transfer amount.200082.0%$600 million200180.0%$800 million200284.0%$700 million200384.0%$750 million200480.0%$850 millionThe loss cession for each year is capped when the investment income ceases due to the fund balance reaching zero, when maximum limit is achieved, or when the losses ceded reach the level of ultimate loss reflected by the annual statement reserve level whichever comes first. Coverage limits are reduced for any recoveries under the individual occurrence treaty section. The previous 5 years were commuted with funds held balance returned to reinsured minus a fee. ----------------- Type: Aggregate Stop Loss Reinsurer: Company X Scope: All direct lines of business Retention: 10% of the Ultimate Net Loss each Accident Year Excess of the Accident Year Target Loss Ratio Retention each Accident Year. Coverage: 90% of the amount of the Ultimate Net Loss each Accident Year Excess of the Accident Year Target Loss Ratio Retention each Accident Year. Annual Recoverable limited to the greater of $2,750,000 or 200% of annual premium. Term recoverable limited to 165% of term premium. Premium: 6% of subject premium for first Accident Year. 5% remaining years of contract term. Effective date: June 1, 1998 Termination: December 31, 2000, however, the reinsurer may cancel at any December 31st upon 90 daysТ prior written notice to the company or the company may cancel at any December 31st upon 90 daysТ written notice to the reinsurer if the Experience Account is positive. Reinsurance During 1998, Company X executed an aggregate stop loss reinsurance agreement, which covers the period June 1, 1998 through December 31, 2000. This agreement was put in place to provide stability to XТs loss ratio, additional catastrophe coverage, and additional Year 2000 protection. More detail of this agreement is outlined in the section of this report captioned УReinsurance.Ф This agreement was reviewed extensively by the examiners and was determined to adequately transfer risk to the reinsurer. However, other issues arose from the review of the agreement and its accounting. Under this agreement, premium ceded equaled 6% of earned premium for 1998, and will equal 5% of earned premium for 1999 and 2000. The attachment point under this agreement is a 56% loss ratio for 1998 and 66.25% in 1999. The attachment point for 2000 will be determined at year-end 1999. The reinsurerТs annual limit on the agreement is $2.75 million or 200% of the accident year premium whichever is greater. The reinsurerТs aggregate limit is 165% of the premium paid. This agreement also contains an experience account, which does not allow the company to terminate the agreement if the experience account is negative. Due to the significant number of catastrophic events during 1998, X exhausted the limits of the aggregate stop loss agreement for the first year and placed the experience account into a negative position. The experience account was sufficiently negative so that the company cannot terminate the agreement for 1999 nor 2000, and so is obligated to pay the $3.0 million additional premium for the entire agreement. The company should have recorded a liability at year-end 1998 regarding this agreement. Examiners and company personnel reviewed the contractТs premium payments and expected recoveries over the three-year life of the contract, to determine the appropriate portion of the total three-year premiums that should be attributed to the first year. Examiners and company personnel determined that an additional $700,000 of reinsurance premiums should have been attributed to the first year of the contract. Therefore, an adjustment to surplus of $700,000 is reflected in the section of this report captioned УReconciliation of Surplus per Examination.Ф It is recommended that when the company has a multi-year aggregate excess of loss reinsurance agreement with an experience account, under which it is obligated to pay one or more future years of reinsurance premium because the experience account is negative, the company should establish an appropriate liability for the future reinsurance premium payments. --------------- Type: All Lines Whole Account Aggregate Excess of Loss Reinsurer: Reinsurer X (Ireland) 80% Reinsurer Y (Ireland) 20% Scope: Aggregate net losses incurred by the company during the term of this contract on an ultimate accident year (January 1, 2004, through December 31, 2004) basis for any and all business written or assumed by the company. Retention: Excess of 66% of gross net earned premium income or $XXX of aggregate net losses, whichever is greater Coverage: Aggregate net losses paid for business covered, subject to maximum aggregate limit equal to 6.9% of the gross net earned premium income or $YYY, whichever is lesser, which is in excess of retention, whichever is greater, subject to a sub-limit of $25,000,000 for all subject losses and expenses arising from losses assigned a catastrophe number by the Policy Claims Service or from any claims arising out of mold, contractorsТ completed operations property damage or terrorism, or assumed from a mandatory state pool. Premium: Flat deposit premium of $5,000,000, of which $700,000 shall be paid the reinsurer in two equal semi-annual installments of $350,000 each on January 1, 2004, and July 1, 2004, as expense charge, and the balance shall be credited to the funds withheld account as of January 1, 2004. The expense charge shall be fully earned as received except for cancellation due to adverse law or regulatory. Company shall pay via credit to the funds withheld account an additional premium equal to 50% ceded incurred aggregate net losses in excess of $7,500,000. Maintenance Fee: On each April 1, 2006, April 1, 2007, April 1, 2008, April 1, 2009, and April 1, 2010, the company shall pay 1.0% of the funds withheld account balance to the reinsurer. Such maintenance fee shall not be less than zero and shall be payable in addition to the premium, as well as additional premium. At the time of commutation, the company is to receive the amount in the funds withheld account as a return premium. Effective date: January 1, 2004 Termination: December 31, 2004 Reinsurance Contracts Company AAA and Company BBB have each entered into reinsurance agreements which are written as 50% coinsurance on a funds-withheld basis, and cede approximately 50% of the companiesТ accident and health premiums and associated life coverages to reinsurers indicated in the table below. As funds-withheld agreements, all of the assets and liabilities remain with the ceding insurers. 2003 BusinessAAABBBReins %Premium CededReins %Premium CededReinsurer X10$111,988,7136$ 38,624,019Reinsurer Y20223,977,42517173,808,085Reinsurer Z20 223,977,42527 109,434,721 Total50$559,943,56350$321,866,825Expense and Profit Charge$ 3,231,434$ 1,953,571 The contracts establish a target combined ratio of 94%. In the event that the combined ratio is 98% for any three-month period, or 96% for any six-month period, or 94% for any twelve-month period, revised premiums would be implemented by the company as soon as practical to achieve the targeted combined ratio. The following table lists the combined ratios reported on the reinsurance agreements for the past five years. The amount reported for 2004 is a rolling twelve-month ratio through September. AAABBB200089.3%96.7%200185.187.6200279.383.1200378.283.9200471.278.2 The reinsurance agreements have an experience refund which returns all of the profits less an expense and profit charge based on premiums ceded of .58% for AAA and .61% for BBB as long as the combined ratio on the business ceded is less than 98%. For combined ratios between 98% and 100% the profit commission is reduced so that the ceding company and the reinsurers share the profits equally. Coverage under the agreements is provided by the reinsurers when the combined ratio is between 100% and 110% where the reinsurers would pay their participating share (50%) of the losses and expenses. A separate stop-loss premium of .5% of premium ceded is paid by the reinsurers to AAA and BBB as compensation for the 110% cap on coverage. AAA and BBB report this stop-loss premium as reinsurance assumed on their annual statements, even though the subject premium being assumed is on policies directly written by AAA and BBB and separate assumption reinsurance agreements were not established. The companies each reported the experience refund as miscellaneous income in the Summary of Operations. The following table represents the experience refunds reported in the companiesТ financial statements on business reinsured. The amounts reported for 2004 was through September 30. AAABBB2000$ 46,021,055$18,467,117200161,952,35541,628,5762002100,659,09951,808,7392003125,685,55853,662,3352004129,999,56344,972,018 In the event that the experience refund for any period is negative, it is carried forward at interest until it is paid back through future profits. It appears, depending on the method of termination, that payment for a negative profit commission would be due from AAA and BBB to the reinsurers. Risk transfer under the agreements occurs at a 98% combined ratio. Coverage is limited to when the combined ratio is between 100% and 110%. Considering that the combined ratio of the block of business is significantly less than the point at which the reinsurers would participate and that there are provisions in the agreements which address higher loss ratios with rate increases, it is questionable whether the contracts transfer any significant amount of risk. In addition, the contracts cede 50% of the premium to provide coverage for 5% (half of the range between 100% and 110%) of the losses. The agreements in practice work more like a stop-loss agreement than coinsurance. The benefit of the agreements being structured as coinsurance agreements rather than a stop-loss agreement is that AAA and BBB significantly reduce their reported net premium which results in lower required capital for Risk Based Capital and Compulsory and Security Surplus as required by s. 623.11 and s. 623.12, Wis. Stat., and s.аInsа51.80, Wis. Adm. Code. The reinsurance agreements do not misstate total liabilities or surplus since the reserve credit taken for the 50% coinsurance is offset by the additional liability УFunds held under coinsurance.Ф SSAP 61 Life Deposit Type and Accident and Health Reinsurance and FASB Statement 113 Accounting and Reporting for Reinsurance of Short-Duration and Long-Duration Contracts address reinsurance agreements. SSAP 61 indicates that FASB Section 113 is adopted with modification. None of the seven modifications listed in SSAP 61 include differences between GAAP and statutory accounting with regard to the standards for evaluating reinsurance transfer of risk, and the guidance in FASB Statement 113 is applicable to evaluating the 50% coinsurance agreements. FASB Section 113 requires that 1) the reinsurer assume significant insurance risk under the assumed portions of the underlying contracts, and 2) it must be reasonably possible that the assuming entity may realize a significant loss. The company provided an analysis performed by their auditors at the time of entering into the agreements. For the first test, it was indicated that the requirements do not require an exact correlation of results, but some correlation is expected. The analysis determined if the treaties were treated as a stop-loss treaty, once the combined ratio exceeded 100%, the reinsurer would share in the losses, thus meeting the requirement. For the second test, it was indicated that the reinsurer could incur a significant loss at a combined ratio of 110%, their maximum exposure. (This is becoming increasingly unlikely as the table above has shown combined ratio has significantly decreased in the past four years.) The possible scenario identified is that the combined ratio would spike in the last quarter of the year and there would be not enough time to take remedial action on the premium rates to address the increased loss history. (This does not address the fact that the negative result is used as a carry-forward amount in determining future experience refunds.) It was also indicated that the reinsurers would likely cancel the contracts if the combined ratio got closer to 100%. The ultimate conclusion is that for GAAP purposes, the agreements would qualify for reinsurance accounting under FASB Statement 113 only as stop-loss and that only the expense and profit charge should be recognized as the ceded premium. Analysis indicated that the only impact to surplus is the expense and profit charge. The company has reported the reinsurance as stop-loss on its GAAP statements but as proportional coinsurance on its statutory statements. The examinersТ review as well the company auditorТs GAAP basis analysis document that the economic substance of the 50% coinsurance agreement is much more closely aligned with that of an excess of loss reinsurance agreement. Therefore, the examination does not consider agreements to be 50% coinsurance. As a result of the disallowance of the companyТs accounting treatment for the 50% coinsurance agreements, the examination found that the company misclassified $126,322,798 УAggregate reserve for accident and health contractsФ as the liability for УFunds held under coinsurance.Ф The misclassification did not change total liabilities or capital and surplus. As noted above, the agreements provide significant premium leverage which affects capital requirements, as shown in the following table. The pro-forma Risk Based Capital amount is an estimation of the actual amount as it may not have considered all of the changes that retaining the ceded premium would have affected. In neither case would it result in AAA or BBB failing Compulsory Surplus or being at a Risk Based Capital action level. Risk Based Capital as a Percentage of Authorized Control Level AAABBBRisk Based Capital as Filed800%1,013%Pro-Forma Risk Based Capital486769Excess Compulsory Surplus as Filed$67,604,228$98,250,398Pro-Forma Excess Compulsory Surplus41,714,98065,337,482 In December 2004, AAA and BBB terminated their 50% coinsurance agreements effective December 31, 2004. Due to the termination of the agreements subsequent to examination fieldwork, the examination did not make a recommendation regarding the agreements. 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А╥eн!ї$=( -#                #                #                #                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓4                                                    ╓4                                                    ╓4                                                    ╓4                                                    2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 4╓aЎу$$IfФс╓  ё ДF о А╥eн!ї$=( -#                #                #                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓0                                                ╓0                                                ╓0                                                ╓0                                                2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 4╓aЎл$$IfФс╓Ў ё Ce· b╦)ыя7U"э&#                #                #                #                #                #                #                #                #                #                #                Ў .6ЎЎв╓,                                            ╓,                                            ╓,                                            ╓,                                            2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 4╓aЎу$$IfФс╓  ё ╟b║"N'o)Р+ ,Ж,-|-╩-■-#                #                #                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓0                                                ╓0                                                ╓0                                                ╓0                                                2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 4╓aЎ$$IfФс╓" ё А╟b║"N'o)Р+ ,Ж,-|-╩-■-#                #                #                #                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓4                                                    ╓4                                                    ╓4                                                    ╓4                                                    2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 4╓aЎл$$IfФс╓Ў ё b║"N'o)Р+ ,Ж,-|-╩-■-#                #                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓,                                            ╓,                                            ╓,                                            ╓,                                            2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 4╓aЎs$$IfФс╓р ё ║"N'o)Р+ ,Ж,-|-╩-■-#                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓(                                        ╓(                                        ╓(                                        ╓(                                        2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 4╓aЎs$$IfФс╓р ё ╟N'o)Р+ ,Ж,-|-╩-■-#                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓(                                        ╓(                                        ╓(                                        ╓(                                        2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 4╓aЎ$$IfФс╓" ё А╟b║"N'o)Р+ ,Ж,-|-╩-■-#                #                #                #                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓4                                                    ╓4                                                    ╓4                                                    ╓4                                                    2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 4╓aЎу$$IfФс╓  ё ╟b║"N'o)Р+ ,Ж,-|-╩-■-#                #                #                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓0                                                ╓0                                                ╓0                                                ╓0                                                2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 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,Ж,-|-╩-■-#                #                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓,                                            ╓,                                            ╓,                                            ╓,                                            2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 2╓ 2╓ 4╓aЎs$$IfФс╓р ё ╟bo)Р+ ,Ж,-|-╩-■-#                #                #                #                #                #                #                #                #                #                Ў .6ЎЎ╓(                                        ╓(                                        ╓(                                        ╓(                                        2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓2╓ 2╓ 2╓ 2╓ 4╓aЎ$$IfФс╓┤ё bР+ 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