// RateCalculator.js /* History: Created originally DRH; Global mods 03/08/2001 ROD to mimic legacy UW and TitlePolicy, provide foundation for multiple states, and generally tighten code. */ /* Init Rate Matrix into global array; order is significant for any graduated level (e.g. MOLx) Note: tables values may differ significantly from legacy UW, such as TN's OWN and MTG levels Many values defined below are unused in this web version since we're only concerned with the most frequently used rate methods. Refer to TitlePolicy Rate Generator instead of UW for determining most recent changes. 07/17/02 ROD cleaned out rate matrix removing those rows not currently in use */ var applyNY15PercentDiscount=true // Region Code MinLimit MaxLimit Rate Additional var gaMatrix = [[ "AL", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "AL", "MTG1", 0.00, 100000.00, 2.500, 0.00], // Mortgagee Level 1 [ "AL", "MTG2", 100000.01, 500000.00, 2.000, 0.00], // Mortgagee Level 2 [ "AL", "MTG3", 500000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 3 [ "AL", "MTG4", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 4 [ "AL", "MTG5", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 5 [ "AL", "OWN1", 0.00, 50000.00, 3.500, 0.00], // Owner Level 1 [ "AL", "OWN2", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 2 [ "AL", "OWN3", 100000.01, 1000000.00, 2.000, 0.00], // Owner Level 3 [ "AL", "OWN4", 1000000.01, 10000000.00, 1.750, 0.00], // Owner Level 4 [ "AL", "OWN5", 10000000.01, 999999999.99, 1.250, 0.00], // Owner Level 5 [ "AL", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "AL", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue [ "AL", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue; flat rate [ "AL", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "AR", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "AR", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "AR", "MTG2", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 2 [ "AR", "MTG3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee Level 3 [ "AR", "MTG4", 500000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "AR", "MTG5", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "AR", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "AR", "OWN1", 0.00, 50000.00, 3.500, 0.00], // Owner Level 1 [ "AR", "OWN2", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 2 [ "AR", "OWN3", 100000.01, 5000000.00, 2.000, 0.00], // Owner Level 3 [ "AR", "OWN4", 5000000.01, 10000000.00, 1.750, 0.00], // Owner Level 4 [ "AR", "OWN5", 10000000.01, 15000000.00, 1.500, 0.00], // Owner Level 5 [ "AR", "OWN6", 15000000.01, 999999999.99, 1.250, 0.00], // Owner Level 6 [ "AR", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "AR", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue [ "AR", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue; flat rate [ "AR", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "DC", "MINP", 0.00, 0.00, 150.000, 100.00], // Rate = OWNER minimum Prem; Mtgee Min premium [ "DC", "MTG1", 0.00, 250000.00, 2.500, 0.00], // Mortgagee Level 1 [ "DC", "MTG2", 250000.01, 500000.00, 2.000, 0.00], // Mortgagee Level 2 [ "DC", "MTG3", 500000.01, 1000000.00, 1.750, 0.00], // Mortgagee Level 3 [ "DC", "MTG4", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "DC", "MTG5", 5000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "DC", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "DC", "OWN1", 0.00, 250000.00, 3.500, 0.00], // Mortgagee Level 1 [ "DC", "OWN2", 250000.01, 500000.00, 3.000, 0.00], // Mortgagee Level 2 [ "DC", "OWN3", 500000.01, 1000000.00, 2.500, 0.00], // Mortgagee Level 3 [ "DC", "OWN4", 1000000.01, 5000000.00, 2.000, 0.00], // Mortgagee Level 4 [ "DC", "OWN5", 5000000.01, 15000000.00, 1.750, 0.00], // Mortgagee Level 5 [ "DC", "OWN6", 15000000.01, 999999999.99, 1.500, 0.00], // Mortgagee Level 6 [ "DC", "REFI", 0.00, 10.00, 40.000, 0.00], // Refinance [ "DC", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "DC", "SIOM", 0.00, 0.00, 150.000, 50.00], // Simultaneous Issue/Owner-Mtgee; max = flat fee; additional = rate [ "DC", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "FL", "CEIL", 0.00, 0.00, 3.000, 0.00], // Reissue age ceiling in years [ "FL", "MINP", 0.00, 0.00, 100.000, 60.00], // Minimum Premium Amount; addt'l = min prem amount for Reg Multiple Conveyance [ "FL", "MOL1", 0.00, 100000.00, 5.750, 0.00], // Mortgagee/Owner Level 1 [ "FL", "MOL2", 100000.01, 1000000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "FL", "MOL3", 1000000.01, 5000000.00, 2.500, 0.00], // Mortgagee/Owner Level 3 [ "FL", "MOL4", 5000000.01, 10000000.00, 2.250, 0.00], // Mortgagee/Owner Level 4 [ "FL", "MOL5", 10000000.01, 999999999.99, 2.000, 0.00], // Mortgagee/Owner Level 5 [ "FL", "REI1", 0.00, 100000.00, 3.300, 0.00], // reissue Mortgagee/Owner Level 1 [ "FL", "REI2", 100000.01, 1000000.00, 3.000, 0.00], // reissue Mortgagee/Owner Level 2 [ "FL", "REI3", 1000000.01, 10000000.00, 2.000, 0.00], // reissue Mortgagee/Owner Level 3 [ "FL", "REI4", 10000000.01, 999999999.99, 1.500, 0.00], // reissue Mortgagee/Owner Level 4 [ "FL", "SIOM", 0.00, 0.00, 25.000, 0.00], // Simultaneous Issue; flat rate [ "GM", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "GM", "MTG1", 0.00, 50000.00, 2.000, 0.00], // Mortgagee Level 1 [ "GM", "MTG2", 50000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 2 [ "GM", "MTG3", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 3 [ "GM", "MTG4", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 4 [ "GM", "OWN1", 0.00, 25000.00, 3.000, 0.00], // Owner Level 1 [ "GM", "OWN2", 25000.01, 50000.00, 2.500, 0.00], // Owner Level 2 [ "GM", "OWN3", 50000.01, 10000000.00, 1.500, 0.00], // Owner Level 3 [ "GM", "OWN4", 10000000.01, 15000000.00, 1.250, 0.00], // Owner Level 4 [ "GM", "OWN5", 15000000.01, 999999999.99, 1.000, 0.00], // Owner Level 5 [ "GM", "REFI", 0.00, 5.00, 50.000, 0.00], // Refinance [ "GM", "REFI", 6.00, 10.00, 60.000, 0.00], // Refinance [ "GM", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue [ "GM", "SIOM", 0.00, 0.00, 25.000, 0.00], // Simultaneous Mtgee/Owner [ "GM", "TCON", 0.00, 0.00, 1.000, 0.00], // Mortgagee Construction [ "GS", "MINP", 0.00, 0.00, 100.000, 0.00], // Minimum Premium [ "GS", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "GS", "MTG2", 50000.01, 100000.00, 2.500, 0.00], // Mortgagee Level 2 [ "GS", "MTG3", 100000.01, 500000.00, 2.000, 0.00], // Mortgagee Level 3 [ "GS", "MTG4", 500000.01, 10000000.00, 1.750, 0.00], // Mortgagee Level 4 [ "GS", "MTG5", 10000000.01, 15000000.00, 1.750, 0.00], // Mortgagee Level 5 [ "GS", "MTG6", 15000000.01, 999999999.99, 1.750, 0.00], // Mortgagee Level 6 [ "GS", "OWN1", 0.00, 50000.00, 3.500, 0.00], // Owner Level 1 [ "GS", "OWN2", 50000.01, 100000.00, 3.500, 0.00], // Owner Level 2 [ "GS", "OWN3", 100000.01, 5000000.00, 3.000, 0.00], // Owner Level 3 [ "GS", "OWN4", 5000000.01, 10000000.00, 2.500, 0.00], // Owner Level 4 [ "GS", "OWN5", 10000000.01, 15000000.00, 2.500, 0.00], // Owner Level 5 [ "GS", "OWN6", 15000000.01, 999999999.99, 2.500, 0.00], // Owner Level 6 [ "GS", "REFI", 0.00, 5.00, 50.000, 0.00], // Refinance [ "GS", "REFI", 6.00, 10.00, 60.000, 0.00], // Refinance [ "GS", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue [ "GS", "SIOM", 0.00, 0.00, 100.000, 0.00], // Simultaneous Mtgee/Owner [ "GS", "TCON", 0.00, 0.00, 1.000, 0.00], // Mortgagee Construction [ "IL", "MINP", 0.00, 0.00, 100.000, 0.00], // Rate = minimum Prem [ "IL", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "IL", "MTG2", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 2 [ "IL", "MTG3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee Level 3 [ "IL", "MTG4", 500000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "IL", "MTG5", 10000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "IL", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "IL", "OWN1", 0.00, 50000.00, 3.500, 0.00], // Owner Level 1 [ "IL", "OWN2", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 2 [ "IL", "OWN3", 100000.01, 5000000.00, 2.000, 0.00], // Owner Level 3 [ "IL", "OWN4", 5000000.01, 10000000.00, 1.750, 0.00], // Owner Level 4 [ "IL", "OWN5", 10000000.01, 15000000.00, 1.500, 0.00], // Owner Level 5 [ "IL", "OWN6", 15000000.01, 999999999.99, 1.250, 0.00], // Owenr Level 6 [ "IL", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "IL", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "IL", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "IL", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "IN1", "MINP", 0.00, 0.00, 75.000, 0.00], // Minimum Prem - Reg Rates [ "IN1", "MOL1", 0.00, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 1 [ "IN1", "MOL2", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 2 [ "IN1", "MOL3", 100000.01, 150000.00, 2.000, 0.00], // Mortgagee/Owner Level 3 [ "IN1", "MOL4", 150000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 5 [ "IN1", "REFI", 0.00, 10.00, 60.000, 0.00], // Refinance [ "IN1", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "IN1", "SIOM", 0.00, 0.00, 75.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "IN1", "TCON", 0.00, 0.00, 1.000, 0.00], // Temp Construction [ "IN2", "MINP", 0.00, 0.00, 60.000, 0.00], // Minimum Prem - Reg Rates [ "IN2", "MOL1", 0.00, 50000.00, 2.900, 0.00], // Mortgagee/Owner Level 2 [ "IN2", "MOL2", 50000.01, 100000.00, 2.300, 0.00], // Mortgagee/Owner Level 3 [ "IN2", "MOL3", 100000.01, 500000.00, 2.000, 0.00], // Mortgagee/Owner Level 4 [ "IN2", "MOL4", 500000.01, 10000000.00, 1.750, 0.00], // Mortgagee/Owner Level 5 [ "IN2", "MOL5", 10000000.01, 15000000.00, 1.500, 0.00], // Mortgagee/Owner Level 6 [ "IN2", "MOL6", 15000000.01, 999999999.99, 1.250, 0.00], // Mortgagee/Owner Level 7 [ "IN2", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "IN2", "SIOM", 0.00, 0.00, 60.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "IN2", "SURE", 0.00, 10.00, 60.000, 0.00], // Substitution-Refinance [ "IN2", "TCON", 0.00, 0.00, 1.000, 0.00], // Temp Constr. Binder [ "IN3", "MINP", 0.00, 0.00, 75.000, 0.00], // Minimum Prem - Reg Rates [ "IN3", "MOL1", 0.00, 50000.00, 4.500, 0.00], // Mortgagee/Owner Level 2 [ "IN3", "MOL2", 50000.01, 75000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "IN3", "MOL3", 75000.01, 150000.00, 2.000, 0.00], // Mortgagee/Owner Level 4 [ "IN3", "MOL4", 150000.01, 200000.00, 1.500, 0.00], // Mortgagee/Owner Level 5 [ "IN3", "MOL5", 200000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 6 [ "IN3", "REFI", 0.00, 10.00, 50.000, 0.00], // Refinance [ "IN3", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "IN3", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "IN3", "TCON", 0.00, 0.00, 1.000, 0.00], // Temp Construction [ "KY", "MINP", 0.00, 0.00, 25.000, 0.00], // Rate = minimum Prem [ "KY", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "KY", "MTG2", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 2 [ "KY", "MTG3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee Level 3 [ "KY", "MTG4", 500000.01, 1000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "KY", "MTG5", 1000000.01, 15000000.00, 1.250, 0.00], // Mortgagee Level 5 [ "KY", "MTG6", 15000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "KY", "OWN1", 0.00, 50000.00, 4.000, 0.00], // Owner Level 1 [ "KY", "OWN2", 50000.01, 100000.00, 3.500, 0.00], // Owner Level 2 [ "KY", "OWN3", 100000.01, 1000000.00, 2.500, 0.00], // Owner Level 3 [ "KY", "OWN4", 1000000.01, 10000000.00, 2.000, 0.00], // Owner Level 4 [ "KY", "OWN5", 10000000.01, 999999999.99, 1.500, 0.00], // Owenr Level 5 [ "KY", "REFI", 0.00, 10.00, 60.000, 0.00], // Refinance [ "KY", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "KY", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "KY", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "LA", "MINP", 0.00, 0.00, 58.000, 49.00], // Rate = O minimum Prem; Additional = M Min Prem [ "LA", "MTG1", 0.00, 12000.00, 100.000, 0.00], // Mortgagee Level 1 [ "LA", "MTG2", 12000.01, 50000.00, 4.200, 0.00], // Mortgagee Level 2 [ "LA", "MTG3", 50000.01, 100000.00, 3.600, 0.00], // Mortgagee Level 3 [ "LA", "MTG4", 100000.01, 500000.00, 3.300, 0.00], // Mortgagee Level 4 [ "LA", "MTG5", 500000.01, 1000000.00, 2.700, 0.00], // Mortgagee Level 5 [ "LA", "MTG6", 1000000.01, 2000000.00, 2.400, 0.00], // Mortgagee Level 6 [ "LA", "MTG7", 2000000.01, 15000000.00, 2.100, 0.00], // Mortgagee Level 7 [ "LA", "MTG8", 15000000.01, 25000000.00, 1.800, 0.00], // Mortgagee Level 8 [ "LA", "MTG9", 25000000.01, 35000000.00, 1.500, 0.00], // Mortgagee Level 9 [ "LA", "MTG10",35000000.01, 999999999.99, 1.200, 0.00], // Mortgagee Level 10 [ "LA", "OWN1", 0.00, 12000.00, 58.000, 0.00], // Owner Level 1 [ "LA", "OWN2", 12000.01, 50000.00, 4.500, 0.00], // Owner Level 2 [ "LA", "OWN3", 50000.01, 100000.00, 4.000, 0.00], // Owner Level 3 [ "LA", "OWN4", 100000.01, 500000.00, 3.750, 0.00], // Owner Level 4 [ "LA", "OWN5", 500000.01, 1000000.00, 3.000, 0.00], // Owner Level 5 [ "LA", "OWN6", 1000000.01, 2000000.00, 2.500, 0.00], // Owner Level 6 [ "LA", "OWN7", 2000000.01, 10000000.00, 2.250, 0.00], // Owner Level 7 [ "LA", "OWN8", 10000000.01, 15000000.00, 2.000, 0.00], // Owner Level 8 [ "LA", "OWN9", 15000000.01, 25000000.00, 1.750, 0.00], // Owner Level 9 [ "LA", "OWN10",25000000.01, 35000000.00, 1.500, 0.00], // Owner Level 10 [ "LA", "OWN11",35000000.01, 999999999.99, 1.250, 0.00], // Owner Level 11 [ "LA", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "LA", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "LA", "SIOM", 0.00, 0.00, 30.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "LA", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "MD", "MINP", 0.00, 0.00, 140.000, 111.20], // Rate = O minimum Prem; Additional = M Min Prem [ "MD", "MTG1", 0.00, 250000.00, 2.780, 0.00], // Mortgagee Level 1 [ "MD", "MTG2", 250000.01, 500000.00, 2.210, 0.00], // Mortgagee Level 2 [ "MD", "MTG3", 500000.01, 1000000.00, 1.940, 0.00], // Mortgagee Level 3 [ "MD", "MTG4", 1000000.01, 5000000.00, 1.680, 0.00], // Mortgagee Level 4 [ "MD", "MTG5", 5000000.01, 15000000.00, 1.310, 0.00], // Mortgagee Level 5 [ "MD", "MTG6", 15000000.01, 999999999.99, 1.050, 0.00], // Mortgagee Level 6 [ "MD", "OWN1", 0.00, 250000.00, 3.500, 0.00], // Owner Level 1 [ "MD", "OWN2", 250000.01, 500000.00, 3.000, 0.00], // Owner Level 2 [ "MD", "OWN3", 500000.01, 1000000.00, 2.500, 0.00], // Owner Level 3 [ "MD", "OWN4", 1000000.01, 5000000.00, 2.000, 0.00], // Owner Level 4 [ "MD", "OWN5", 5000000.01, 15000000.00, 1.750, 0.00], // Owner Level 5 [ "MD", "OWN6", 15000000.01, 999999999.99, 1.500, 0.00], // Owner Level 6 [ "MD", "REFI", 0.00, 10.00, 40.000, 0.00], // Refinance [ "MD", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "MD", "SIOM", 0.00, 0.00, 35.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "MD", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "MI1", "MINP", 0.00, 0.00, 190.000, 0.00], // Minimum Premium [ "MI1", "MOL1", 0.00, 10000.00, 190.000, 0.00], // Mortgagee/Owner Level 1 [ "MI1", "MOL2", 10000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MI1", "MOL3", 50000.01, 100000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MI1", "MOL4", 100000.01, 200000.00, 3.500, 0.00], // Mortgagee/Owner Level 4 [ "MI1", "MOL5", 200000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 5 [ "MI1", "MOL6", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 6 [ "MI1", "MOL7", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 7 [ "MI1", "MOL8", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 8 [ "MI1", "MOL9", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 9 [ "MI1", "MTG1", 0.00, 14000.00, 190.000, 0.00], // Mortgagee Level 1 [ "MI1", "MTG2", 14000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MI1", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MI1", "MTG4", 100000.01, 200000.00, 2.750, 0.00], // Mortgagee Level 4 [ "MI1", "MTG5", 200000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 5 [ "MI1", "MTG6", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 6 [ "MI1", "MTG7", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 7 [ "MI1", "MTG8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 8 [ "MI1", "OWN1", 0.00, 10000.00, 190.000, 0.00], // Owner Level 1 [ "MI1", "OWN2", 10000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MI1", "OWN3", 50000.01, 100000.00, 4.000, 0.00], // Owner Level 3 [ "MI1", "OWN4", 100000.01, 200000.00, 3.500, 0.00], // Owner Level 4 [ "MI1", "OWN5", 200000.01, 300000.00, 3.000, 0.00], // Owner Level 5 [ "MI1", "OWN6", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 6 [ "MI1", "OWN7", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 7 [ "MI1", "OWN8", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 8 [ "MI1", "OWN9", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 9 [ "MI1", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI1", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI1", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI1", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI1", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI1", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI1", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MI2", "MINP", 0.00, 0.00, 190.000, 0.00], // Minimum Premium [ "MI2", "MOL1", 0.00, 11000.00, 190.000, 0.00], // Mortgagee/Owner Level 1 [ "MI2", "MOL2", 11000.01, 50000.00, 4.000, 0.00], // Mortgagee/Owner Level 2 [ "MI2", "MOL3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "MI2", "MOL4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee/Owner Level 4 [ "MI2", "MOL5", 300000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 5 [ "MI2", "MOL6", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 6 [ "MI2", "MOL7", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 7 [ "MI2", "MTG1", 0.00, 19000.00, 190.000, 0.00], // Mortgagee Level 1 [ "MI2", "MTG2", 19000.01, 50000.00, 2.500, 0.00], // Mortgagee Level 2 [ "MI2", "MTG3", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 3 [ "MI2", "MTG4", 100000.01, 300000.00, 1.750, 0.00], // Mortgagee Level 4 [ "MI2", "MTG5", 300000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 5 [ "MI2", "MTG6", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "MI2", "OWN1", 0.00, 11000.00, 190.000, 0.00], // Owner Level 1 [ "MI2", "OWN2", 11000.01, 50000.00, 4.000, 0.00], // Owner Level 2 [ "MI2", "OWN3", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 3 [ "MI2", "OWN4", 100000.01, 300000.00, 2.500, 0.00], // Owner Level 4 [ "MI2", "OWN5", 300000.01, 4000000.00, 2.000, 0.00], // Owner Level 5 [ "MI2", "OWN6", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 6 [ "MI2", "OWN7", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 7 [ "MI2", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI2", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI2", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI2", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI2", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI2", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI2", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MIC", "MINP", 0.00, 0.00, 1750.000, 0.00], // Minimum Premium [ "MIC", "MOL1", 0.00, 1000000.00, 1750.000, 0.00], // Mortgagee/Owner Level 1 [ "MIC", "MOL2", 1000000.01, 10000000.00, 1.000, 0.00], // Mortgagee/Owner Level 2 [ "MIC", "MOL3", 10000000.01, 100000000.00, 0.850, 0.00], // Mortgagee/Owner Level 3 [ "MIC", "MOL4",100000000.01, 999999999.99, 0.800, 0.00], // Mortgagee/Owner Level 4 [ "MIC", "REFI", 0.00, 10000000.00, 75.000, 0.00], // Refinance Rate Level 1 [ "MIC", "REFI", 10000000.01, 999999999.00, 60.000, 0.00], // Refinance Rate Level 2 [ "MIC", "REIS", 0.00, 10000000.00, 90.000, 0.00], // Reissue Rate Level 1 [ "MIC", "REIS", 10000000.01, 999999999.99, 75.000, 0.00], // Reissue Rate Level 2 [ "MIC", "SIOM", 0.00, 0.00, 100.000, 0.00], // Simultaneous Issue [ "MIK", "MINP", 0.00, 0.00, 190.000, 104.00], // Minimum Premium [ "MIK", "MOL1", 0.00, 12000.00, 190.000, 0.00], // Mortgagee/Owner Level 1 [ "MIK", "MOL2", 12000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MIK", "MOL3", 50000.01, 80000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MIK", "MOL4", 80000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 4 [ "MIK", "MOL5", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 5 [ "MIK", "MOL6", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 6 [ "MIK", "MOL7", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 7 [ "MIK", "MOL8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 8 [ "MIK", "MTG1", 0.00, 12000.00, 190.000, 0.00], // Mortgagee Level 1 [ "MIK", "MTG2", 12000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MIK", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MIK", "MTG4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 4 [ "MIK", "MTG5", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 5 [ "MIK", "MTG6", 1000000.01, 999999999.99, 1.500, 0.00], // Mortgagee Level 6 [ "MIK", "OWN1", 0.00, 12000.00, 190.000, 0.00], // Owner Level 1 [ "MIK", "OWN2", 12000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MIK", "OWN3", 50000.01, 80000.00, 4.000, 0.00], // Owner Level 3 [ "MIK", "OWN4", 80000.01, 300000.00, 3.000, 0.00], // Owner Level 4 [ "MIK", "OWN5", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 5 [ "MIK", "OWN6", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 6 [ "MIK", "OWN7", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 7 [ "MIK", "OWN8", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 8 [ "MIK", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MIK", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MIK", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MIK", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MIK", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MIK", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MIK", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MI1x", "MINP", 0.00, 0.00, 165.000, 0.00], // Minimum Premium [ "MI1x", "MOL1", 0.00, 10000.00, 165.000, 0.00], // Mortgagee/Owner Level 1 [ "MI1x", "MOL2", 10000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MI1x", "MOL3", 50000.01, 100000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MI1x", "MOL4", 100000.01, 200000.00, 3.500, 0.00], // Mortgagee/Owner Level 4 [ "MI1x", "MOL5", 200000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 5 [ "MI1x", "MOL6", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 6 [ "MI1x", "MOL7", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 7 [ "MI1x", "MOL8", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 8 [ "MI1x", "MOL9", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 9 [ "MI1x", "MTG1", 0.00, 14000.00, 165.000, 0.00], // Mortgagee Level 1 [ "MI1x", "MTG2", 14000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MI1x", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MI1x", "MTG4", 100000.01, 200000.00, 2.750, 0.00], // Mortgagee Level 4 [ "MI1x", "MTG5", 200000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 5 [ "MI1x", "MTG6", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 6 [ "MI1x", "MTG7", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 7 [ "MI1x", "MTG8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 8 [ "MI1x", "OWN1", 0.00, 10000.00, 165.000, 0.00], // Owner Level 1 [ "MI1x", "OWN2", 10000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MI1x", "OWN3", 50000.01, 100000.00, 4.000, 0.00], // Owner Level 3 [ "MI1x", "OWN4", 100000.01, 200000.00, 3.500, 0.00], // Owner Level 4 [ "MI1x", "OWN5", 200000.01, 300000.00, 3.000, 0.00], // Owner Level 5 [ "MI1x", "OWN6", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 6 [ "MI1x", "OWN7", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 7 [ "MI1x", "OWN8", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 8 [ "MI1x", "OWN9", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 9 [ "MI1x", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI1x", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI1x", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI1x", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI1x", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI1x", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI1x", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MI2x", "MINP", 0.00, 0.00, 165.000, 0.00], // Minimum Premium [ "MI2x", "MOL1", 0.00, 11000.00, 165.000, 0.00], // Mortgagee/Owner Level 1 [ "MI2x", "MOL2", 11000.01, 50000.00, 4.000, 0.00], // Mortgagee/Owner Level 2 [ "MI2x", "MOL3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "MI2x", "MOL4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee/Owner Level 4 [ "MI2x", "MOL5", 300000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 5 [ "MI2x", "MOL6", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 6 [ "MI2x", "MOL7", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 7 [ "MI2x", "MTG1", 0.00, 19000.00, 165.000, 0.00], // Mortgagee Level 1 [ "MI2x", "MTG2", 19000.01, 50000.00, 2.500, 0.00], // Mortgagee Level 2 [ "MI2x", "MTG3", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 3 [ "MI2x", "MTG4", 100000.01, 300000.00, 1.750, 0.00], // Mortgagee Level 4 [ "MI2x", "MTG5", 300000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 5 [ "MI2x", "MTG6", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "MI2x", "OWN1", 0.00, 11000.00, 165.000, 0.00], // Owner Level 1 [ "MI2x", "OWN2", 11000.01, 50000.00, 4.000, 0.00], // Owner Level 2 [ "MI2x", "OWN3", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 3 [ "MI2x", "OWN4", 100000.01, 300000.00, 2.500, 0.00], // Owner Level 4 [ "MI2x", "OWN5", 300000.01, 4000000.00, 2.000, 0.00], // Owner Level 5 [ "MI2x", "OWN6", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 6 [ "MI2x", "OWN7", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 7 [ "MI2x", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI2x", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI2x", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI2x", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI2x", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI2x", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI2x", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MIKx", "MINP", 0.00, 0.00, 165.000, 104.00], // Minimum Premium [ "MIKx", "MOL1", 0.00, 12000.00, 165.000, 0.00], // Mortgagee/Owner Level 1 [ "MIKx", "MOL2", 12000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MIKx", "MOL3", 50000.01, 80000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MIKx", "MOL4", 80000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 4 [ "MIKx", "MOL5", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 5 [ "MIKx", "MOL6", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 6 [ "MIKx", "MOL7", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 7 [ "MIKx", "MOL8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 8 [ "MIKx", "MTG1", 0.00, 12000.00, 165.000, 0.00], // Mortgagee Level 1 [ "MIKx", "MTG2", 12000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MIKx", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MIKx", "MTG4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 4 [ "MIKx", "MTG5", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 5 [ "MIKx", "MTG6", 1000000.01, 999999999.99, 1.500, 0.00], // Mortgagee Level 6 [ "MIKx", "NERE", 2000000.01, 2250000.00, 0.300, 0.00], // Reinsurance - (NE) [ "MIKx", "OWN1", 0.00, 12000.00, 165.000, 0.00], // Owner Level 1 [ "MIKx", "OWN2", 12000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MIKx", "OWN3", 50000.01, 80000.00, 4.000, 0.00], // Owner Level 3 [ "MIKx", "OWN4", 80000.01, 300000.00, 3.000, 0.00], // Owner Level 4 [ "MIKx", "OWN5", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 5 [ "MIKx", "OWN6", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 6 [ "MIKx", "OWN7", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 7 [ "MIKx", "OWN8", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 8 [ "MIKx", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MIKx", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MIKx", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MIKx", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MIKx", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MIKx", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MIKx", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MI1m", "MINP", 0.00, 0.00, 160.000, 0.00], // Minimum Premium [ "MI1m", "MOL1", 0.00, 10000.00, 160.000, 0.00], // Mortgagee/Owner Level 1 [ "MI1m", "MOL2", 10000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MI1m", "MOL3", 50000.01, 100000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MI1m", "MOL4", 100000.01, 200000.00, 3.500, 0.00], // Mortgagee/Owner Level 4 [ "MI1m", "MOL5", 200000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 5 [ "MI1m", "MOL6", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 6 [ "MI1m", "MOL7", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 7 [ "MI1m", "MOL8", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 8 [ "MI1m", "MOL9", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 9 [ "MI1m", "MTG1", 0.00, 14000.00, 160.000, 0.00], // Mortgagee Level 1 [ "MI1m", "MTG2", 14000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MI1m", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MI1m", "MTG4", 100000.01, 200000.00, 2.750, 0.00], // Mortgagee Level 4 [ "MI1m", "MTG5", 200000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 5 [ "MI1m", "MTG6", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 6 [ "MI1m", "MTG7", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 7 [ "MI1m", "MTG8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 8 [ "MI1m", "OWN1", 0.00, 10000.00, 160.000, 0.00], // Owner Level 1 [ "MI1m", "OWN2", 10000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MI1m", "OWN3", 50000.01, 100000.00, 4.000, 0.00], // Owner Level 3 [ "MI1m", "OWN4", 100000.01, 200000.00, 3.500, 0.00], // Owner Level 4 [ "MI1m", "OWN5", 200000.01, 300000.00, 3.000, 0.00], // Owner Level 5 [ "MI1m", "OWN6", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 6 [ "MI1m", "OWN7", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 7 [ "MI1m", "OWN8", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 8 [ "MI1m", "OWN9", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 9 [ "MI1m", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI1m", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI1m", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI1m", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI1m", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI1m", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI1m", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MI2m", "MINP", 0.00, 0.00, 160.000, 0.00], // Minimum Premium [ "MI2m", "MOL1", 0.00, 11000.00, 160.000, 0.00], // Mortgagee/Owner Level 1 [ "MI2m", "MOL2", 11000.01, 50000.00, 4.000, 0.00], // Mortgagee/Owner Level 2 [ "MI2m", "MOL3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "MI2m", "MOL4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee/Owner Level 4 [ "MI2m", "MOL5", 300000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 5 [ "MI2m", "MOL6", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 6 [ "MI2m", "MOL7", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 7 [ "MI2m", "MTG1", 0.00, 19000.00, 160.000, 0.00], // Mortgagee Level 1 [ "MI2m", "MTG2", 19000.01, 50000.00, 2.500, 0.00], // Mortgagee Level 2 [ "MI2m", "MTG3", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 3 [ "MI2m", "MTG4", 100000.01, 300000.00, 1.750, 0.00], // Mortgagee Level 4 [ "MI2m", "MTG5", 300000.01, 5000000.00, 1.500, 0.00], // Mortgagee Level 5 [ "MI2m", "MTG6", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 6 [ "MI2m", "OWN1", 0.00, 11000.00, 160.000, 0.00], // Owner Level 1 [ "MI2m", "OWN2", 11000.01, 50000.00, 4.000, 0.00], // Owner Level 2 [ "MI2m", "OWN3", 50000.01, 100000.00, 3.000, 0.00], // Owner Level 3 [ "MI2m", "OWN4", 100000.01, 300000.00, 2.500, 0.00], // Owner Level 4 [ "MI2m", "OWN5", 300000.01, 4000000.00, 2.000, 0.00], // Owner Level 5 [ "MI2m", "OWN6", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 6 [ "MI2m", "OWN7", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 7 [ "MI2m", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MI2m", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MI2m", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MI2m", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MI2m", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MI2m", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MI2m", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MIKm", "MINP", 0.00, 0.00, 160.000, 104.00], // Minimum Premium [ "MIKm", "MOL1", 0.00, 12000.00, 160.000, 0.00], // Mortgagee/Owner Level 1 [ "MIKm", "MOL2", 12000.01, 50000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "MIKm", "MOL3", 50000.01, 80000.00, 4.000, 0.00], // Mortgagee/Owner Level 3 [ "MIKm", "MOL4", 80000.01, 300000.00, 3.000, 0.00], // Mortgagee/Owner Level 4 [ "MIKm", "MOL5", 300000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 5 [ "MIKm", "MOL6", 1000000.01, 4000000.00, 2.000, 0.00], // Mortgagee/Owner Level 6 [ "MIKm", "MOL7", 4000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 7 [ "MIKm", "MOL8", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 8 [ "MIKm", "MTG1", 0.00, 12000.00, 160.000, 0.00], // Mortgagee Level 1 [ "MIKm", "MTG2", 12000.01, 50000.00, 4.000, 0.00], // Mortgagee Level 2 [ "MIKm", "MTG3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee Level 3 [ "MIKm", "MTG4", 100000.01, 300000.00, 2.500, 0.00], // Mortgagee Level 4 [ "MIKm", "MTG5", 300000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 5 [ "MIKm", "MTG6", 1000000.01, 999999999.99, 1.500, 0.00], // Mortgagee Level 6 [ "MIKm", "OWN1", 0.00, 12000.00, 160.000, 0.00], // Owner Level 1 [ "MIKm", "OWN2", 12000.01, 50000.00, 5.000, 0.00], // Owner Level 2 [ "MIKm", "OWN3", 50000.01, 80000.00, 4.000, 0.00], // Owner Level 3 [ "MIKm", "OWN4", 80000.01, 300000.00, 3.000, 0.00], // Owner Level 4 [ "MIKm", "OWN5", 300000.01, 1000000.00, 2.500, 0.00], // Owner Level 5 [ "MIKm", "OWN6", 1000000.01, 4000000.00, 2.000, 0.00], // Owner Level 6 [ "MIKm", "OWN7", 4000000.01, 5000000.00, 1.500, 0.00], // Owner Level 7 [ "MIKm", "OWN8", 5000000.01, 999999999.99, 1.000, 0.00], // Owner Level 8 [ "MIKm", "REFI", 0.00, 0.11, 40.000, 0.00], // Refinance Rate Level 1 [ "MIKm", "REFI", 1.00, 999999999.00, 50.000, 0.00], // Refinance Rate Level 2 [ "MIKm", "REIS", 0.00, 0.11, 40.000, 0.00], // Reissue Rate [ "MIKm", "REIS", 1.00, 3.00, 60.000, 0.00], // Reissue Rate [ "MIKm", "REIS", 4.00, 5.00, 80.000, 0.00], // Reissue Rate [ "MIKm", "REIS", 6.00, 999999999.00, 90.000, 0.00], // Reissue Rate [ "MIKm", "SIOM", 0.00, 0.00, 40.000, 0.00], // Simultaneous Issue [ "MS", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "MS", "MTG1", 0.00, 100000.00, 3.000, 0.00], // Mortgagee Level 1 [ "MS", "MTG2", 100000.01, 1000000.00, 2.500, 0.00], // Mortgagee Level 2 [ "MS", "MTG3", 1000000.01, 10000000.00, 1.500, 0.00], // Mortgagee Level 3 [ "MS", "MTG4", 10000000.01, 999999999.99, 1.250, 0.00], // Mortgagee Level 4 [ "MS", "OWN1", 0.00, 100000.00, 4.000, 0.00], // Owner Level 1 [ "MS", "OWN2", 100000.01, 1000000.00, 3.000, 0.00], // Owner Level 2 [ "MS", "OWN3", 1000000.01, 10000000.00, 2.000, 0.00], // Owner Level 3 [ "MS", "OWN4", 10000000.01, 999999999.99, 1.500, 0.00], // Owner Level 4 [ "MS", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "MS", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue [ "MS", "SIOM", 0.00, 0.00, 25.000, 0.00], // Simultaneous Issue; flat rate [ "MS", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "NE", "MINP", 0.00, 0.00, 100.000, 0.00], // Minimum Premium Amount [ "NE", "MOL1", 0.00, 20000.00, 100.000, 0.00], // Mortgagee/Owner Level 1 [ "NE", "MOL2", 20000.01, 50000.00, 3.500, 0.00], // Mortgagee/Owner Level 2 [ "NE", "MOL3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "NE", "MOL4", 100000.01, 1000000.00, 2.000, 0.00], // Mortgagee/Owner Level 4 [ "NE", "MOL5", 1000000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner Level 5 [ "NE", "MOL6", 5000000.01, 10000000.00, 1.200, 0.00], // Mortgagee/Owner Level 6 [ "NE", "MOL7", 10000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 7 [ "NE", "REFI", 0.00, 5.00, 70.000, 0.00], // Refinance [ "NE", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue; flat rate [ "NE1", "MINP", 0.00, 0.00, 100.000, 0.00], // Minimum Premium Amount [ "NE1", "MOL1", 0.00, 5000.00, 100.000, 0.00], // Mortgagee/Owner Level 1 [ "NE1", "MOL2", 5000.01, 50000.00, 3.500, 0.00], // Mortgagee/Owner Level 2 [ "NE1", "MOL3", 50000.01, 100000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "NE1", "MOL4", 100000.01, 1000000.00, 2.000, 0.00], // Mortgagee/Owner Level 4 [ "NE1", "MOL5", 1000000.01, 50000000.00, 1.500, 0.00], // Mortgagee/Owner Level 5 [ "NE1", "MOL6", 5000000.01, 10000000.00, 1.200, 0.00], // Mortgagee/Owner Level 6 [ "NE1", "MOL7", 10000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 7 [ "NE1", "REFI", 0.00, 5.00, 70.000, 0.00], // Refinance [ "NE1", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue; flat rate [ "NJ", "MINP", 0.00, 0.00, 200.000, 0.00], // Minimum Premium Amount [ "NJ", "MOL1", 0.00, 100000.00, 5.000, 0.00], // Mortgagee/Owner Level 1 [ "NJ", "MOL2", 100000.01, 500000.00, 3.950, 0.00], // Mortgagee/Owner Level 2 [ "NJ", "MOL3", 500000.01, 2000000.00, 2.650, 0.00], // Mortgagee/Owner Level 3 [ "NJ", "MOL4", 2000000.01, 999999999.99, 2.000, 0.00], // Mortgagee/Owner Level 4 [ "NJ", "REF1", 0.00, 100000.00, 2.500, 0.00], // Refi Level 1 [ "NJ", "REF2", 100000.01, 500000.00, 2.250, 0.00], // Refi Level 2 [ "NJ", "REF3", 500000.01, 2000000.00, 2.000, 0.00], // Refi Level 3 [ "NJ", "REF4", 2000000.01, 999999999.99, 1.500, 0.00], // Refi Level 4 [ "NJ", "SIOM", 0.00, 0.00, 25.000, 0.00], // Simultaneous Issue; flat rate [ "NJ", "TCON", 0.00, 0.00, 1.000, 0.00], // Temp Construction /* [ "NY1", "MODOWN1", 0.00, 35000.00, 178.00, 0.00], // Owner Level 1 [ "NY1", "MODOWN2", 35000.01, 50000.00, 3.96, 0.00], // Owner Level 2 [ "NY1", "MODOWN3", 50000.01, 100000.00, 2.47, 0.00], // Owner Level 3 [ "NY1", "MODOWN4", 100000.01, 500000.00, 1.99, 0.00], // Owner Level 4 [ "NY1", "MODOWN5", 500000.01, 1000000.00, 1.78, 0.00], // Owner Level 5 [ "NY1", "MODOWN6", 1000000.01, 5000000.00, 1.625, 0.00], // Owner Level 6 [ "NY1", "MODOWN7", 5000000.01, 10000000.00, 1.48, 0.00], // Owner Level 7 [ "NY1", "MODOWN8", 10000000.01, 15000000.00, 1.38, 0.00], // Owner Level 8 [ "NY1", "MODOWN9", 15000000.01, 999999999.99, 1.24, 0.00], // Owner Level 9 [ "NY2", "MODOWN1", 0.00, 35000.00, 201.00, 0.00], // Owner Level 1 [ "NY2", "MODOWN2", 35000.01, 50000.00, 3.335, 0.00], // Owner Level 2 [ "NY2", "MODOWN3", 50000.01, 100000.00, 2.715, 0.00], // Owner Level 3 [ "NY2", "MODOWN4", 100000.01, 500000.00, 2.18, 0.00], // Owner Level 4 [ "NY2", "MODOWN5", 500000.01, 1000000.00, 1.99, 0.00], // Owner Level 5 [ "NY2", "MODOWN6", 1000000.01, 5000000.00, 1.83, 0.00], // Owner Level 6 [ "NY2", "MODOWN7", 5000000.01, 10000000.00, 1.625, 0.00], // Owner Level 7 [ "NY2", "MODOWN8", 10000000.01, 15000000.00, 1.535, 0.00], // Owner Level 8 [ "NY2", "MODOWN9", 15000000.01, 999999999.99, 1.38, 0.00], // Owner Level 9 [ "NY2", "LOWMODOWN1", 0.00, 35000.00, 170.85, 0.00], // Owner Level 1 [ "NY2", "LOWMODOWN2", 35000.01, 50000.00, 2.835, 0.00], // Owner Level 2 [ "NY2", "LOWMODOWN3", 50000.01, 100000.00, 2.31, 0.00], // Owner Level 3 [ "NY2", "LOWMODOWN4", 100000.01, 500000.00, 1.855, 0.00], // Owner Level 4 [ "NY2", "LOWMODOWN5", 500000.01, 1000000.00, 1.69, 0.00], // Owner Level 5 [ "NY2", "LOWMODOWN6", 1000000.01, 5000000.00, 1.83, 0.00], // Owner Level 6 [ "NY2", "LOWMODOWN7", 5000000.01, 10000000.00, 1.625, 0.00], // Owner Level 7 [ "NY2", "LOWMODOWN8", 10000000.01, 15000000.00, 1.535, 0.00], // Owner Level 8 [ "NY2", "LOWMODOWN9", 15000000.01, 999999999.99, 1.38, 0.00], // Owner Level 9 */ [ "NY1", "MINP", 0.00, 0.00, 299.000, 299.00], // Rate = O minimum Prem; Additional = M Min Prem [ "NY1", "MTG1", 0.00, 35000.00, 299.00, 0.00], // Mortgagee Level 1 [ "NY1", "MTG2", 35000.01, 50000.00, 6.610, 0.00], // Mortgagee Level 2 [ "NY1", "MTG3", 50000.01, 100000.00, 4.100, 0.00], // Mortgagee Level 3 [ "NY1", "MTG4", 100000.01, 500000.00, 3.310, 0.00], // Mortgagee Level 4 [ "NY1", "MTG5", 500000.01, 1000000.00, 2.960, 0.00], // Mortgagee Level 5 [ "NY1", "MTG6", 1000000.01, 5000000.00, 2.710, 0.00], // Mortgagee Level 6 [ "NY1", "MTG7", 5000000.01, 10000000.00, 2.470, 0.00], // Mortgagee Level 7 [ "NY1", "MTG8", 10000000.01, 15000000.00, 2.310, 0.00], // Mortgagee Level 8 [ "NY1", "MTG9", 15000000.01, 999999999.99, 2.070, 0.00], // Mortgagee Level 9 [ "NY1", "OWN1", 0.00, 35000.00, 356.00, 0.00], // Owner Level 1 [ "NY1", "OWN2", 35000.01, 50000.00, 7.920, 0.00], // Owner Level 2 [ "NY1", "OWN3", 50000.01, 100000.00, 4.940, 0.00], // Owner Level 3 [ "NY1", "OWN4", 100000.01, 500000.00, 3.980, 0.00], // Owner Level 4 [ "NY1", "OWN5", 500000.01, 1000000.00, 3.560, 0.00], // Owner Level 5 [ "NY1", "OWN6", 1000000.01, 5000000.00, 3.250, 0.00], // Owner Level 6 [ "NY1", "OWN7", 5000000.01, 10000000.00, 2.960, 0.00], // Owner Level 7 [ "NY1", "OWN8", 10000000.01, 15000000.00, 2.760, 0.00], // Owner Level 8 [ "NY1", "OWN9", 15000000.01, 999999999.99, 2.480, 0.00], // Owner Level 9 [ "NY1", "MODMTG1", 0.00, 35000.00, 149.50, 0.00], // Mortgagee Level 1 [ "NY1", "MODMTG2", 35000.01, 50000.00, 3.305, 0.00], // Mortgagee Level 2 [ "NY1", "MODMTG3", 50000.01, 100000.00, 2.050, 0.00], // Mortgagee Level 3 [ "NY1", "MODMTG4", 100000.01, 500000.00, 1.655, 0.00], // Mortgagee Level 4 [ "NY1", "MODMTG5", 500000.01, 1000000.00, 1.48, 0.00], // Mortgagee Level 5 [ "NY1", "MODMTG6", 1000000.01, 5000000.00, 1.355, 0.00], // Mortgagee Level 6 [ "NY1", "MODMTG7", 5000000.01, 10000000.00, 1.235, 0.00], // Mortgagee Level 7 [ "NY1", "MODMTG8", 10000000.01, 15000000.00, 1.155, 0.00], // Mortgagee Level 8 [ "NY1", "MODMTG9", 15000000.01, 999999999.99, 1.035, 0.00], // Mortgagee Level 9 [ "NY1", "REFI", 0.00, 475000.00, 0.000, 0.00], // Refinance cvg ceiling for rate break [ "NY1", "REFx", 0.00, 10.00, 50.000, 0.00], // Refinance <= 250K cvg [ "NY1", "REFy", 0.00, 10.00, 70.000, 0.00], // Refinance > 250K cvg [ "NY1", "SIOM", 0.00, 0.00, 30.000, 0.00], // simul rate [ "NY2", "MINP", 0.00, 0.00, 341.700, 344.00], // Rate = O minimum Prem; Additional = M Min Prem [ "NY2", "MODMTG1", 0.00, 35000.00, 172.00, 0.00], // Mortgagee Level 1 [ "NY2", "MODMTG2", 35000.01, 50000.00, 2.775, 0.00], // Mortgagee Level 2 [ "NY2", "MODMTG3", 50000.01, 100000.00, 2.27, 0.00], // Mortgagee Level 3 [ "NY2", "MODMTG4", 100000.01, 500000.00, 1.82, 0.00], // Mortgagee Level 4 [ "NY2", "MODMTG5", 500000.01, 1000000.00, 1.655, 0.00], // Mortgagee Level 5 [ "NY2", "MODMTG6", 1000000.01, 5000000.00, 1.525, 0.00], // Mortgagee Level 6 [ "NY2", "MODMTG7", 5000000.01, 10000000.00, 1.355, 0.00], // Mortgagee Level 7 [ "NY2", "MODMTG8", 10000000.01, 15000000.00, 1.275, 0.00], // Mortgagee Level 8 [ "NY2", "MODMTG9", 15000000.01, 999999999.99, 1.155, 0.00], // Mortgagee Level 9 [ "NY2", "MTG1", 0.00, 35000.00, 344.00, 0.00], // Mortgagee Level 1 [ "NY2", "MTG2", 35000.01, 50000.00, 5.550, 0.00], // Mortgagee Level 2 [ "NY2", "MTG3", 50000.01, 100000.00, 4.540, 0.00], // Mortgagee Level 3 [ "NY2", "MTG4", 100000.01, 500000.00, 3.640, 0.00], // Mortgagee Level 4 [ "NY2", "MTG5", 500000.01, 1000000.00, 3.310, 0.00], // Mortgagee Level 5 [ "NY2", "MTG6", 1000000.01, 5000000.00, 3.050, 0.00], // Mortgagee Level 6 [ "NY2", "MTG7", 5000000.01, 10000000.00, 2.710, 0.00], // Mortgagee Level 7 [ "NY2", "MTG8", 10000000.01, 15000000.00, 2.550, 0.00], // Mortgagee Level 8 [ "NY2", "MTG9", 15000000.01, 999999999.99, 2.310, 0.00], // Mortgagee Level 9 [ "NY2", "LOWOWN1", 0.00, 35000.00, 341.70, 0.00], // Owner Level 1 [ "NY2", "LOWOWN2", 35000.01, 50000.00, 5.6695, 0.00], // Owner Level 2 [ "NY2", "LOWOWN3", 50000.01, 100000.00, 4.6155, 0.00], // Owner Level 3 [ "NY2", "LOWOWN4", 100000.01, 500000.00, 3.706, 0.00], // Owner Level 4 [ "NY2", "LOWOWN5", 500000.01, 1000000.00, 3.383, 0.00], // Owner Level 5 [ "NY2", "LOWOWN6", 1000000.01, 5000000.00, 3.660, 0.00], // Owner Level 6 [ "NY2", "LOWOWN7", 5000000.01, 10000000.00, 3.250, 0.00], // Owner Level 7 [ "NY2", "LOWOWN8", 10000000.01, 15000000.00, 3.070, 0.00], // Owner Level 8 [ "NY2", "LOWOWN9", 15000000.01, 999999999.99, 2.760, 0.00], // Owner Level 9 [ "NY2", "OWN1", 0.00, 35000.00, 402.00, 0.00], // Owner Level 1 [ "NY2", "OWN2", 35000.01, 50000.00, 6.670, 0.00], // Owner Level 2 [ "NY2", "OWN3", 50000.01, 100000.00, 5.430, 0.00], // Owner Level 3 [ "NY2", "OWN4", 100000.01, 500000.00, 4.360, 0.00], // Owner Level 4 [ "NY2", "OWN5", 500000.01, 1000000.00, 3.980, 0.00], // Owner Level 5 [ "NY2", "OWN6", 1000000.01, 5000000.00, 3.660, 0.00], // Owner Level 6 [ "NY2", "OWN7", 5000000.01, 10000000.00, 3.250, 0.00], // Owner Level 7 [ "NY2", "OWN8", 10000000.01, 15000000.00, 3.070, 0.00], // Owner Level 8 [ "NY2", "OWN9", 15000000.01, 999999999.99, 2.760, 0.00], // Owner Level 9 [ "NY2", "REFI", 0.00, 475000.00, 0.000, 0.00], // Refinance cvg ceiling for rate break [ "NY2", "REFx", 0.00, 10.00, 50.000, 0.00], // Refinance <= 250K cvg [ "NY2", "REFy", 0.00, 10.00, 70.000, 0.00], // Refinance > 250K cvg [ "NY2", "SIOM", 0.00, 0.00, 30.000, 0.00], // simul rate [ "NC", "CHOU", 0.00, 0.00, 0.750, 0.00], // Community Housing Rate [ "NC", "CMER", 0.00, 0.00, 0.750, 0.00], // Commercial Rate [ "NC", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium Amount [ "NC", "MOL1", 0.00, 100000.00, 2.000, 0.00], // Mortgagee/Owner Level 1 [ "NC", "MOL2", 100000.01, 500000.00, 1.500, 0.00], // Mortgagee/Owner Level 2 [ "NC", "MOL3", 500000.01, 2000000.00, 1.000, 0.00], // Mortgagee/Owner Level 3 [ "NC", "MOL4", 2000000.01, 7000000.00, 0.750, 0.00], // Mortgagee/Owner Level 4 [ "NC", "MOL5", 7000000.01, 999999999.99, 0.500, 0.00], // Mortgagee/Owner Level 5 [ "NC", "REFI", 0.00, 15.00, 50.000, 0.00], // Refinance [ "NC", "REIS", 0.00, 15.00, 50.000, 0.00], // Re-Issue Rate [ "NC", "SDSA", 0.00, 0.00, 0.750, 0.00], // Subdivider/Developer Sales [ "NC", "TCON", 0.00, 0.00, 0.250, 0.00], // Temporary Construction [ "OH", "MINP", 0.00, 0.00, 175.000, 125.00], // Minimum Premium; owner, additional - mtgee [ "OH", "MTG1", 0.00, 150000.00, 4.000, 0.00], // Mortgagee Level 1 [ "OH", "MTG2", 150000.01, 250000.00, 3.250, 0.00], // Mortgagee Level 2 [ "OH", "MTG3", 250000.01, 500000.00, 2.500, 0.00], // Mortgagee Level 3 [ "OH", "MTG4", 500000.01, 10000000.00, 2.250, 0.00], // Mortgagee Level 4 [ "OH", "MTG5", 10000000.01, 999999999.99, 2.000, 0.00], // Mortgagee Level 5 [ "OH", "OWN1", 0.00, 150000.00, 5.750, 0.00], // Owner Level 1 [ "OH", "OWN2", 150000.01, 250000.00, 4.500, 0.00], // Owner Level 3 [ "OH", "OWN3", 250000.01, 500000.00, 3.500, 0.00], // Owner Level 4 [ "OH", "OWN4", 500000.01, 10000000.00, 2.750, 0.00], // Owner Level 5 [ "OH", "OWN5", 10000000.01, 999999999.99, 2.250, 0.00], // Owner Level 6 [ "OH", "REFI", 0.00, 10.00, 70.000, 0.00], // Refinance [ "OH", "REIS", 0.00, 10.00, 70.000, 0.00], // Reissue [ "OH", "SIOM", 0.00, 0.00, 100.000, 0.00], // Simultaneous Issue; flat rate [ "OH", "TCN1", 0.00, 500000.00, 2.500, 0.00], // Temporary Construction - level 1 [ "OH", "TCN2", 500000.01, 999999999.99, 1.500, 0.00], // Temporary Construction - level 2 [ "PA", "MINP", 0.00, 0.00, 125.000, 0.00], // Minimum Premium [ "PA", "MOL1", 0.00, 30000.00, 125.000, 0.00], // Mortgagee/Owner Level 1 [ "PA", "MOL2", 30000.01, 100000.00, 3.250, 0.00], // Mortgagee/Owner Level 2 [ "PA", "MOL3", 100000.01, 500000.00, 2.750, 0.00], // Mortgagee/Owner Level 3 [ "PA", "MOL4", 500000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 4 [ "PA", "MOL5", 1000000.01, 2000000.00, 2.250, 0.00], // Mortgagee/Owner Level 5 [ "PA", "MOL6", 2000000.01, 7000000.00, 2.000, 0.00], // Mortgagee/Owner Level 6 [ "PA", "MOL7", 7000000.01, 999999999.99, 1.500, 0.00], // Mortgagee/Owner Level 7 [ "PA", "REFI", 0.00, 5.00, 60.000, 0.00], // Refinance [ "PA", "REIS", 0.00, 10.00, 70.000, 0.00], // Reissue [ "PAC", "MINP", 0.00, 0.00, 420.000, 0.00], // Minimum Premium [ "PAC", "MOL1", 0.00, 30000.00, 420.000, 0.00], // Mortgagee/Owner Level 1 [ "PAC", "MOL2", 30000.01, 45000.00, 7.250, 0.00], // Mortgagee/Owner Level 2 [ "PAC", "MOL3", 45000.01, 100000.00, 6.000, 0.00], // Mortgagee/Owner Level 3 [ "PAC", "MOL4", 100000.01, 500000.00, 5.000, 0.00], // Mortgagee/Owner Level 4 [ "PAC", "MOL5", 500000.01, 1000000.00, 3.750, 0.00], // Mortgagee/Owner Level 5 [ "PAC", "MOL6", 1000000.01, 2000000.00, 2.750, 0.00], // Mortgagee/Owner Level 6 [ "PAC", "MOL7", 2000000.01, 7000000.00, 2.000, 0.00], // Mortgagee/Owner Level 7 [ "PAC", "MOL8", 7000000.01, 999999999.99, 1.500, 0.00], // Mortgagee/Owner Level 8 [ "PAC", "REF1", 0.00, 2.00, 70.000, 0.00], // Refinance - Level 1 (% rate) [ "PAC", "REF2", 2.00, 4.00, 80.000, 0.00], // Refinance - Level 2 (% rate) [ "PAC", "REF3", 4.01, 10.00, 90.000, 0.00], // Refinance - Level 3 (% rate) [ "PAC", "REI1", 0.00, 2.00, 70.000, 0.00], // Reissue - Level 1 (% rate) [ "PAC", "REI2", 2.00, 4.00, 80.000, 0.00], // Reissue - Level 2 (% rate) [ "PAC", "REI3", 4.01, 10.00, 90.000, 0.00], // Reissue - Level 3 (% rate) [ "SC", "MINP", 0.00, 0.00, 75.000, 0.00], // Minimum Premium [ "SC", "MOL1", 0.00, 50000.00, 3.000, 0.00], // Mortgagee/Owner - Level 1 [ "SC", "MOL2", 50000.01, 100000.00, 2.500, 0.00], // Mortgagee/Owner - Level 2 [ "SC", "MOL3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee/Owner - Level 3 [ "SC", "MOL4", 500000.01, 5000000.00, 1.500, 0.00], // Mortgagee/Owner - Level 4 [ "SC", "MOL5", 5000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner - Level 5 [ "SC", "REFI", 0.00, 10.00, 50.000, 0.00], // Refinance [ "SC", "REIS", 0.00, 10.00, 50.000, 0.00], // Reissue [ "SC", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simult. Issue - Owner-Mtgee [ "SC", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "TN", "BCOF", 0.00, 0.00, 20.000, 0.00], // Binder/Commitment Fee [ "TN", "MINP", 0.00, 0.00, 30.000, 0.00], // Minimum Premium [ "TN", "MTG1", 0.00, 50000.00, 2.500, 0.00], // Mortgagee Level 1 [ "TN", "MTG2", 50000.01, 100000.00, 2.000, 0.00], // Mortgagee Level 2 [ "TN", "MTG3", 100000.01, 500000.00, 1.750, 0.00], // Mortgagee Level 3 [ "TN", "MTG4", 500000.01, 1000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "TN", "MTG5", 1000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 5 [ "TN", "OWN1", 0.00, 100000.00, 3.500, 0.00], // Owner Level 1 [ "TN", "OWN2", 100000.01, 1000000.00, 2.000, 0.00], // Owner Level 2 [ "TN", "OWN3", 1000000.01, 999999999.99, 1.000, 0.00], // Owner Level 3 [ "TN", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "TN", "SIOM", 0.00, 0.00, 30.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "TN", "SURE", 0.00, 3.00, 30.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 4.00, 4.00, 40.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 5.00, 5.00, 50.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 6.00, 6.00, 60.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 7.00, 7.00, 70.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 8.00, 8.00, 80.000, 0.00], // Substitution-Refinance [ "TN", "SURE", 9.00, 999999999.00, 100.000, 0.00], // Substitution-Refinance [ "TN", "TCON", 0.00, 0.00, 50.000, 0.00], // Constr. Loan Binder [ "TND", "MINP", 0.00, 0.00, 100.000, 0.00], // Minimum Premium [ "TND", "MOL1", 0.00, 1000.00, 100.000, 0.00], // Mortgagee/Owner Level 1 [ "TND", "MOL2", 1000.01, 100000.00, 5.000, 0.00], // Mortgagee/Owner Level 2 [ "TND", "MOL3", 100000.01, 500000.00, 4.500, 0.00], // Mortgagee/Owner Level 3 [ "TND", "MOL4", 500000.01, 1000000.00, 3.000, 0.00], // Mortgagee/Owner Level 4 [ "TND", "MOL5", 1000000.01, 99999999.99, 1.000, 0.00], // Mortgagee/Owner Level 5 [ "TND", "REIS", 0.00, 10.00, 70.000, 0.00], // Reissue Rate [ "TND", "SIOM", 0.00, 0.00, 35.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "TND", "SURE", 0.00, 3.00, 30.000, 30.00], // Substitution-Refinance [ "TND", "SURE", 4.00, 4.00, 40.000, 0.00], // Substitution-Refinance [ "TND", "SURE", 5.00, 5.00, 50.000, 0.00], // Substitution-Refinance [ "TND", "SURE", 6.00, 6.00, 60.000, 0.00], // Substitution-Refinance [ "TND", "SURE", 7.00, 7.00, 70.000, 0.00], // Substitution-Refinance [ "TND", "SURE", 8.00, 8.00, 80.000, 0.00], // Substitution-Refinance [ "TND", "SURE", 9.00, 999999999.00, 100.000, 0.00], // Substitution-Refinance [ "TND", "TCB1", 0.00, 1000.00, 100.000, 0.00], // Constr. Loan Binder - Level 1 [ "TND", "TCB2", 1000.01, 100000.00, 2.000, 0.00], // Constr. Loan Binder - Level 2 [ "TND", "TCB3", 100000.01, 999999999.99, 1.500, 0.00], // Constr. Loan Binder - Level 3 [ "TNH", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "TNH", "MTG1", 0.00, 1000.00, 50.000, 0.00], // Mortgagee Level 1 [ "TNH", "MTG2", 1000.01, 100000.00, 5.000, 0.00], // Mortgagee Level 2 [ "TNH", "MTG3", 100000.01, 1000000.00, 2.500, 0.00], // Mortgagee Level 3 [ "TNH", "MTG4", 1000000.01, 999999999.99, 1.000, 0.00], // Mortgagee Level 4 [ "TNH", "OWN1", 0.00, 1000.00, 50.000, 0.00], // Owner Level 1 [ "TNH", "OWN2", 1000.01, 100000.00, 6.000, 0.00], // Owner Level 2 [ "TNH", "OWN3", 100000.01, 1000000.00, 2.500, 0.00], // Owner Level 3 [ "TNH", "OWN4", 1000000.01, 999999999.99, 1.000, 0.00], // Owner Level 4 [ "TNH", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "TNH", "SIOM", 0.00, 0.00, 50.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "TNH", "SURE", 0.00, 3.00, 30.000, 30.00], // Substitution-Refinance [ "TNH", "SURE", 4.00, 4.00, 40.000, 0.00], // Substitution-Refinance [ "TNH", "SURE", 5.00, 5.00, 50.000, 0.00], // Substitution-Refinance [ "TNH", "SURE", 6.00, 6.00, 60.000, 0.00], // Substitution-Refinance [ "TNH", "SURE", 7.00, 7.00, 70.000, 0.00], // Substitution-Refinance [ "TNH", "SURE", 8.00, 8.00, 80.000, 0.00], // Substitution-Refinance [ "TNH", "SURE", 9.00, 999999999.00, 100.000, 0.00], // Substitution-Refinance [ "TNH", "TCB1", 0.00, 1000.00, 100.000, 0.00], // Constr. Loan Binder - Level 1 [ "TNH", "TCB2", 1000.01, 100000.00, 2.000, 0.00], // Constr. Loan Binder - Level 2 [ "TNH", "TCB3", 100000.01, 999999999.99, 1.500, 0.00], // Constr. Loan Binder - Level 3 [ "TNK", "BCOF", 0.00, 0.00, 25.000, 0.00], // Binder/Commitment Fee [ "TNK", "MINP", 0.00, 0.00, 75.000, 0.00], // Minimum Premium [ "TNK", "MOL1", 0.00, 1000.00, 75.000, 0.00], // Mortgagee/Owner Level 1 [ "TNK", "MOL2", 1000.01, 100000.00, 5.500, 0.00], // Mortgagee/Owner Level 2 [ "TNK", "MOL3", 100000.01, 1000000.00, 2.500, 0.00], // Mortgagee/Owner Level 3 [ "TNK", "MOL4", 1000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 4 [ "TNK", "NERE", 2000000.01, 2250000.00, 0.300, 0.00], // Reinsurance - (NE) [ "TNK", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "TNK", "SIOM", 0.00, 0.00, 30.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "TNK", "SURE", 0.00, 3.00, 30.000, 30.00], // Substitution-Refinance [ "TNK", "SURE", 4.00, 4.00, 40.000, 0.00], // Substitution-Refinance [ "TNK", "SURE", 5.00, 5.00, 50.000, 0.00], // Substitution-Refinance [ "TNK", "SURE", 6.00, 6.00, 60.000, 0.00], // Substitution-Refinance [ "TNK", "SURE", 7.00, 7.00, 70.000, 0.00], // Substitution-Refinance [ "TNK", "SURE", 8.00, 8.00, 80.000, 0.00], // Substitution-Refinance [ "TNK", "SURE", 9.00, 999999999.00, 100.000, 0.00], // Substitution-Refinance [ "TNK", "TCB1", 0.00, 1000.00, 100.000, 0.00], // Constr. Loan Binder - Level 1 [ "TNK", "TCB2", 1000.01, 100000.00, 2.000, 0.00], // Constr. Loan Binder - Level 2 [ "TNK", "TCB3", 100000.01, 999999999.99, 1.500, 0.00], // Constr. Loan Binder - Level 3 [ "TNS", "MINP", 0.00, 0.00, 50.000, 0.00], // Minimum Premium [ "TNS", "MOL1", 0.00, 1000.00, 50.000, 0.00], // Mortgagee/Owner Level 1 [ "TNS", "MOL2", 1000.01, 100000.00, 3.500, 0.00], // Mortgagee/Owner Level 2 [ "TNS", "MOL3", 100000.01, 1000000.00, 3.000, 0.00], // Mortgagee/Owner Level 3 [ "TNS", "MOL4", 1000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Owner Level 4 [ "TNS", "SIOM", 0.00, 0.00, 35.000, 0.00], // Simultaneous Issue/Owner-Mtgee [ "TNS", "SURE", 0.00, 3.00, 30.000, 30.00], // Substitution-Refinance [ "TNS", "SURE", 4.00, 4.00, 40.000, 0.00], // Substitution-Refinance [ "TNS", "SURE", 5.00, 5.00, 50.000, 0.00], // Substitution-Refinance [ "TNS", "SURE", 6.00, 6.00, 60.000, 0.00], // Substitution-Refinance [ "TNS", "SURE", 7.00, 7.00, 70.000, 0.00], // Substitution-Refinance [ "TNS", "SURE", 8.00, 8.00, 80.000, 0.00], // Substitution-Refinance [ "TNS", "SURE", 9.00, 999999999.00, 100.000, 0.00], // Substitution-Refinance [ "TNS", "TCON", 0.00, 0.00, 50.000, 0.00], // Constr. Loan Binder [ "V1", "MINP", 0.00, 0.00, 75.000, 0.00], // Minimum Premium Amount [ "V1", "MTG1", 0.00, 100000.00, 2.500, 0.00], // Mortgagee Level 1 [ "V1", "MTG2", 100000.01, 500000.00, 2.000, 0.00], // Mortgagee Level 2 [ "V1", "MTG3", 500000.01, 10000000.00, 1.750, 0.00], // Mortgagee Level 3 [ "V1", "MTG4", 10000000.01, 15000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "V1", "MTG5", 15000000.01, 999999999.99, 1.250, 0.00], // Mortgagee Level 5 [ "V1", "OWN1", 0.00, 100000.00, 3.500, 0.00], // Owner Level 1 [ "V1", "OWN2", 100000.01, 5000000.00, 3.000, 0.00], // Owner Level 2 [ "V1", "OWN3", 5000000.01, 10000000.00, 2.000, 0.00], // Owner Level 3 [ "V1", "OWN4", 10000000.01, 15000000.00, 1.750, 0.00], // Owner Level 4 [ "V1", "OWN5", 15000000.01, 999999999.99, 1.500, 0.00], // Owner Level 5 [ "V1", "REIS", 0.00, 5.00, 60.000, 0.00], // Re-Issue Rate [ "V1", "REIS", 6.00, 10.00, 75.000, 0.00], // Re-Issue [ "V1", "SIOM", 0.00, 50.00, 50.000, 0.00], // Simultaneous Issue; note max and rate value for different uses [ "V1", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "V2", "MINP", 0.00, 0.00, 85.000, 0.00], // Minimum Premium [ "V2", "MTG1", 0.00, 150000.00, 2.750, 0.00], // Mortgagee Level 1 [ "V2", "MTG2", 150000.01, 500000.00, 2.250, 0.00], // Mortgagee Level 2 [ "V2", "MTG3", 500000.01, 1000000.00, 2.000, 0.00], // Mortgagee Level 3 [ "V2", "MTG4", 1000000.01, 10000000.00, 1.750, 0.00], // Mortgagee Level 4 [ "V2", "MTG5", 10000000.01, 15000000.00, 1.500, 0.00], // Mortgagee Level 5 [ "V2", "MTG6", 15000000.01, 999999999.99, 1.250, 0.00], // Mortgagee Level 6 [ "V2", "OWN1", 0.00, 150000.00, 3.750, 0.00], // Owner Level 1 [ "V2", "OWN2", 150000.01, 1000000.00, 3.250, 0.00], // Owner Level 2 [ "V2", "OWN3", 1000000.01, 5000000.00, 2.750, 0.00], // Owner Level 3 [ "V2", "OWN4", 5000000.01, 10000000.00, 2.000, 0.00], // Owner Level 4 [ "V2", "OWN5", 10000000.01, 15000000.00, 1.750, 0.00], // Owner Level 5 [ "V2", "OWN6", 15000000.01, 999999999.99, 1.500, 0.00], // Owner Level 6 [ "V2", "REIS", 0.00, 10.00, 60.000, 0.00], // Reissue Rate [ "V2", "SIOM", 0.00, 50.00, 50.000, 0.00], // Simultaneous Issue; note max and rate values for different uses [ "V2", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "V3", "MINP", 0.00, 0.00, 85.000, 0.00], // Mininum Premium [ "V3", "MTG1", 0.00, 100000.00, 2.900, 0.00], // Mortgagee Level 1 [ "V3", "MTG2", 100000.01, 500000.00, 2.400, 0.00], // Mortgagee Level 2 [ "V3", "MTG3", 500000.01, 10000000.00, 2.000, 0.00], // Mortgagee Level 3 [ "V3", "MTG4", 10000000.01, 15000000.00, 1.500, 0.00], // Mortgagee Level 4 [ "V3", "MTG5", 15000000.01, 99999999.99, 1.250, 0.00], // Mortgagee Level 5 [ "V3", "OWN1", 0.00, 100000.00, 3.900, 0.00], // Owner Level 1 [ "V3", "OWN2", 100000.01, 500000.00, 3.400, 0.00], // Owner Level 2 [ "V3", "OWN3", 500000.01, 10000000.00, 3.000, 0.00], // Owner Level 3 [ "V3", "OWN4", 10000000.01, 15000000.00, 2.000, 0.00], // Owner Level 4 [ "V3", "OWN5", 15000000.01, 999999999.99, 1.500, 0.00], // Owner Level 5 [ "V3", "REIS", 0.00, 10.00, 70.000, 0.00], // Reissue [ "V3", "SIOM", 0.00, 50.00, 50.000, 0.00], // Simultaneous Issue; note max and rate value for different uses [ "V3", "TCON", 0.00, 0.00, 1.000, 0.00], // Temporary Construction [ "WI", "AL31", 200.00, 0.00, 0.500, 0.00], // Alta 3.1 Endorsement [ "WI", "ALT2", 25.00, 500.00, 10.000, 0.00], // Alta 2 Endorsement [ "WI", "ALT3", 200.00, 0.00, 0.500, 0.00], // Alta 3 Endorsement [ "WI", "ALT9", 0.00, 100.00, 0.000, 0.00], // Alta 9 Endorsement [ "WI", "ASLP", 60.00, 100.00, 0.000, 0.00], // Assignee Loan Pol.Endorsement [ "WI", "BALL", 0.00, 0.00, 60.000, 0.00], // Balloon Mortgage Endorsement [ "WI", "CCAN", 0.00, 0.00, 25.000, 0.00], // Commitment/Cancellation Fee [ "WI", "CRRE", 2250000.01, 999999999.99, 0.300, 0.00], // Reinsurance - (CR) [ "WI", "GRNT", 50.00, 125.00, 30.000, 0.00], // Grantor/Grantee/Mortgagee Min [ "WI", "LOCE", 0.00, 50.00, 0.000, 0.00], // Location Endorsement [ "WI", "MHP1", 0.00, 50000.00, 100.000, 0.00], // MHELP Policy [ "WI", "MINP", 0.00, 0.00, 150.000, 0.00], // Minimum Premium [ "WI", "MOM1", 0.00, 10000.00, 150.000, 0.00], // Mortgagee/Lender MIN Level 1 [ "WI", "MOM2", 10000.01, 50000.00, 4.000, 0.00], // Mortgagee/Lender MIN Level 2 [ "WI", "MOM3", 50000.01, 100000.00, 2.500, 0.00], // Mortgagee/Lender MIN Level 3 [ "WI", "MOM4", 100000.01, 500000.00, 2.000, 0.00], // Mortgagee/Lender MIN Level 4 [ "WI", "MOM5", 500000.01, 1000000.00, 1.500, 0.00], // Mortgagee/Lender MIN Level 5 [ "WI", "MOM6", 1000000.01, 5000000.00, 1.000, 0.00], // Mortgagee/Lender MIN Level 6 [ "WI", "MOM7", 5000000.01, 10000000.00, 0.750, 0.00], // Mortgagee/Lender MIN Level 7 [ "WI", "MOM8", 10000000.01, 999999999.99, 0.500, 0.00], // Mortgagee/Lender MIN Level 8 [ "WI", "MOX1", 0.00, 10000.00, 275.000, 0.00], // Mortgagee/Lender MAX Level 1 [ "WI", "MOX2", 10000.01, 50000.00, 5.500, 0.00], // Mortgagee/Lender MAX Level 2 [ "WI", "MOX3", 50000.01, 100000.00, 5.000, 0.00], // Mortgagee/Lender MAX Level 3 [ "WI", "MOX4", 100000.01, 500000.00, 4.500, 0.00], // Mortgagee/Lender MAX Level 4 [ "WI", "MOX5", 500000.01, 1000000.00, 4.000, 0.00], // Mortgagee/Lender MAX Level 5 [ "WI", "MOX6", 1000000.01, 2000000.00, 3.000, 0.00], // Mortgagee/Lender MAX Level 6 [ "WI", "MOX7", 2000000.01, 5000000.00, 2.000, 0.00], // Mortgagee/Lender MAX Level 7 [ "WI", "MOX8", 5000000.01, 10000000.00, 1.500, 0.00], // Mortgagee/Lender MAX Level 8 [ "WI", "MOX9", 10000000.01, 999999999.99, 1.000, 0.00], // Mortgagee/Lender MAX Level 9 [ "WI", "NERE", 2000000.01, 2250000.00, 0.300, 0.00], // Reinsurance - (NE) [ "WI", "OMLE", 50.00, 125.00, 30.000, 0.00], // Owner/Mortgagee/Leasehold [ "WI", "PRMP", 60.00, 100.00, 0.000, 0.00], // Partial Release Mtg Prop End. [ "WI", "RECL", 0.00, 100.00, 0.000, 0.00], // Revolving Credit Endorsement [ "WI", "REIM", 0.00, 0.00, 50.000, 0.00], // Reissue - Min Rate [ "WI", "REIX", 0.00, 0.00, 80.000, 0.00], // Reissue Max Rate [ "WI", "REVA", 0.00, 0.00, 60.000, 0.00], // Reverse Annuity Endorsement [ "WI", "RPLM", 60.00, 100.00, 0.000, 0.00], // Release Persnal Liab Mtgr End. [ "WI", "SIOM", 50.00, 125.00, 0.000, 0.00], // Simultaneous Issue [ "WI", "SUBM", 0.00, 5.00, 30.000, 0.00], // Substitution Min Level 1 [ "WI", "SUBM", 6.00, 999999999.00, 50.000, 0.00], // Substitution Min Level 2 [ "WI", "SUBX", 0.00, 999999999.00, 80.000, 0.00], // Substitution Max (one level) [ "WI", "TAKE", 40.00, 150.00, 0.000, 0.00], // Take Off from Owner Master [ "WI", "USRY", 200.00, 0.00, 0.500, 0.00], // Usury Endorsement [ "WI", "VRAT", 60.00, 100.00, 0.000, 0.00], // Variable Rate Endorsement [ "WV", "MINP", 0.00, 0.00, 85.000, 0.00], // Mininum Premium [ "WV", "MTG1", 0.00, 100000.00, 2.900, 0.00], // Mortgagee Level 1 [ "WV", "MTG2", 100000.01, 500000.00, 2.400, 0.00], // Mortgagee Level 2 [ "WV", "MTG3", 500000.01, 5000000.00, 2.000, 0.00], // Mortgagee Level 3 [ "WV", "MTG4", 5000000.01, 999999999.99, 1.750, 0.00], // Mortgagee Level 4 [ "WV", "OWN1", 0.00, 100000.00, 3.900, 0.00], // Owner Level 1 [ "WV", "OWN2", 100000.01, 500000.00, 3.400, 0.00], // Owner Level 2 [ "WV", "OWN3", 500000.01, 5000000.00, 3.000, 0.00], // Owner Level 3 [ "WV", "OWN4", 5000000.01, 999999999.99, 2.750, 0.00], // Owner Level 4 [ "WV", "REIS", 0.00, 5.00, 70.000, 0.00], // Reissue Level 1 [ "WV", "REIS", 6.00, 10.00, 80.000, 0.00], // Reissue Level 2 [ "WV", "SIOM", 0.00, 50.00, 50.000, 0.00], // Simultaneous Issue; note max and rate value for different uses [ "WV", "TCON", 0.00, 0.00, 1.000, 0.00] ] // Temporary Construction // gaMatrix array columns var gnCol_region = 0 var gnCol_code = 1 var gnCol_minlimit = 2 var gnCol_maxlimit = 3 var gnCol_rate = 4 var gnCol_additional = 5 // init method listbox options into global array for dynamic listbox usage // columns: region text value var gaOption = [["AL", "Regular Owner/Mortgagee", "Regular" ], ["AL", "Re-Issue Owner/Mortgagee", "Reissue" ], ["AL", "Refinance Owner/Mortgagee", "Refinance" ], ["AL", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["AR", "Regular Owner/Mortgagee", "Regular" ], ["AR", "Re-Issue Owner/Mortgagee", "Reissue" ], ["AR", "Refinance Owner/Mortgagee", "Refinance" ], ["AR", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["DC", "Regular Owner/Mortgagee", "Regular" ], ["DC", "Re-Issue Owner/Mortgagee", "Reissue" ], ["DC", "Refinance - Mortgagee", "Refinance" ], ["DC", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["FL", "Original Owner/Mortgagee", "Regular" ], ["FL", "Original Multiple Conveyences", "RegularMultiple" ], ["FL", "Re-Issue Owner/Mortgagee", "Reissue" ], ["FL", "Re-Issue Unimproved", "ReissueUnimproved" ], ["GM", "Regular Owner/Mortgagee", "Regular" ], ["GM", "Re-Issue Owner/Mortgagee", "Reissue" ], ["GM", "Substitution/Refinance", "Refinance" ], ["GM", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["GS", "Regular Owner/Mortgagee", "Regular" ], ["GS", "Re-Issue Owner/Mortgagee", "Reissue" ], ["GS", "Substitution/Refinance", "Refinance" ], ["GS", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["IL", "Regular Owner/Mortgagee", "Regular" ], ["IL", "Re-Issue Owner/Mortgagee", "Reissue" ], ["IL", "Refinance Owner/Mortgagee", "Refinance" ], ["IL", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["IN1", "Regular Owner/Mortgagee", "Regular" ], ["IN1", "Re-Issue Owner/Mortgagee", "Reissue" ], ["IN1", "Refinance Owner/Mortgagee", "Refinance" ], ["IN1", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["IN2", "Regular Owner/Mortgagee", "Regular" ], ["IN2", "Re-Issue Owner/Mortgagee", "Reissue" ], ["IN2", "Refinance Owner/Mortgagee", "Refinance" ], ["IN2", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["IN3", "Regular Owner/Mortgagee", "Regular" ], ["IN3", "Re-Issue Owner/Mortgagee", "Reissue" ], ["IN3", "Refinance Owner/Mortgagee", "Refinance" ], ["IN3", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["KY", "Regular Owner/Mortgagee", "Regular" ], ["KY", "Re-Issue Owner/Mortgagee", "Reissue" ], ["KY", "Refinance Owner/Mortgagee", "Refinance" ], ["KY", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["LA", "Regular Owner/Mortgagee", "Regular" ], ["LA", "Re-Issue Owner/Mortgagee", "Reissue" ], ["LA", "Refinance Owner/Mortgagee", "Refinance" ], ["LA", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["MD", "Regular Owner/Mortgagee", "Regular" ], ["MD", "Re-Issue Owner/Mortgagee", "Reissue" ], ["MD", "Refinance Owner/Mortgagee", "Refinance" ], ["MD", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["MI1", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI1", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI1", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI1", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI1", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI1", "Refinance Loan with SE", "RefinanceWithSE" ], ["MI2", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI2", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI2", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI2", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI2", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI2", "Refinance Loan with SE", "RefinanceWithSE" ], ["MIK", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MIK", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MIK", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MIK", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MIK", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MIK", "Refinance Loan with SE", "RefinanceWithSE" ], ["MIC", "Basic Owner only or Simul", "Basic" ], ["MIC", "Basic Mortgagee only", "BasicLoan" ], ["MIC", "Reissue Owner only or Simul", "Reissue" ], ["MIC", "Reissue Mortgagee only", "ReissueLoan" ], ["MIC", "Refinance Loan policy", "Refinance" ], ["MI1x", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI1x", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI1x", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI1x", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI1x", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI1x", "Refinance Loan with SE", "RefinanceWithSE" ], ["MI2x", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI2x", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI2x", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI2x", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI2x", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI2x", "Refinance Loan with SE", "RefinanceWithSE" ], ["MIKx", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MIKx", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MIKx", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MIKx", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MIKx", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MIKx", "Refinance Loan with SE", "RefinanceWithSE" ], ["MI1m", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI1m", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI1m", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI1m", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI1m", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI1m", "Refinance Loan with SE", "RefinanceWithSE" ], ["MI2m", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MI2m", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MI2m", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MI2m", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MI2m", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MI2m", "Refinance Loan with SE", "RefinanceWithSE" ], ["MIKm", "Basic Owner/Loan w/out SE", "BasicWithoutSE" ], ["MIKm", "Basic Owner/Loan with SE", "BasicWithSE" ], ["MIKm", "Reissue Owner/Loan w/out SE", "ReissueWithoutSE" ], ["MIKm", "Reissue Owner/Loan with SE", "ReissueWithSE" ], ["MIKm", "Refinance Loan w/out SE", "RefinanceWithoutSE" ], ["MIKm", "Refinance Loan with SE", "RefinanceWithSE" ], ["MS", "Regular Owner/Mortgagee", "Regular" ], ["MS", "Re-Issue Owner/Mortgagee", "Reissue" ], ["MS", "Refinance Owner/Mortgagee", "Refinance" ], ["MS", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["NE", "Regular Owner/Mortgagee", "Regular" ], ["NE", "Refinance Owner/Mortgagee", "Refinance" ], ["NE1", "Regular Owner/Mortgagee", "Regular" ], ["NE1", "Refinance Owner/Mortgagee", "Refinance" ], ["NJ", "Regular Owner/Mortgagee", "Regular" ], ["NJ", "Refinance Owner/Mortgagee", "Refinance" ], ["NJ", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["NY1", "Regular Owner/Mortgagee", "Regular" ], ["NY1", "Refinance", "Refinance" ], ["NY1", "Construction Loan / Owner", "Temporary" ], ["NY1", "Loan Modification", "Modification" ], ["NY2", "Regular Owner/Mortgagee", "Regular" ], ["NY2", "Refinance", "Refinance" ], ["NY2", "Construction Loan / Owner", "Temporary" ], ["NY2", "Loan Modification", "Modification" ], ["NC", "Regular Owner/Mortgagee", "Regular" ], ["NC", "Re-Issue Owner/Mortgagee", "Reissue" ], ["NC", "Refinance Owner/Mortgagee", "Refinance" ], ["NC", "Commercial Property", "Commercial"], ["NC", "Temporary Construction", "Temporary"], ["NC", "Subdivider/Developer Sales", "SubdivDevel"], ["NC", "Community Housing", "CommunHouse"], ["OH", "Regular Owner/Mortgagee", "Regular" ], ["OH", "Re-Issue Owner/Mortgagee", "Reissue" ], ["OH", "Refinance Owner/Mortgagee", "Refinance" ], ["OH", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["PA", "Regular Owner/Mortgagee", "Regular" ], ["PA", "Re-Issue Owner/Mortgagee", "Reissue" ], ["PA", "Refinance Owner/Mortgagee", "Refinance" ], ["PAC", "Regular Owner/Mortgagee", "Regular" ], ["PAC", "Re-Issue Owner/Mortgagee", "Reissue" ], ["PAC", "Refinance Owner/Mortgagee", "Refinance" ], ["SC", "Regular Owner/Mortgagee", "Regular" ], ["SC", "Re-Issue Owner/Mortgagee", "Reissue" ], ["SC", "Refinance Owner/Mortgagee", "Refinance" ], ["SC", "Temporary Construction", "Temporary"], ["TN", "Regular Owner/Mortgagee", "Regular" ], ["TN", "Re-Issue Owner/Mortgagee", "Reissue" ], ["TN", "Substitution-Refinance Owner/Mortgagee", "Refinance"], ["TN", "Temporary Construction (Binder only)", "Temporary"], ["TND", "Regular Owner/Mortgagee", "Regular" ], ["TND", "Re-Issue Owner/Mortgagee", "Reissue" ], ["TND", "Substitution-Refinance Owner/Mortgagee", "Refinance"], ["TND", "Temporary Construction (Binder only)", "Temporary"], ["TNH", "Regular Owner/Mortgagee", "Regular" ], ["TNH", "Re-Issue Owner/Mortgagee", "Reissue" ], ["TNH", "Substitution-Refinance Owner/Mortgagee", "Refinance"], ["TNH", "Temporary Construction (Binder only)", "Temporary"], ["TNK", "Regular Owner/Mortgagee", "Regular" ], ["TNK", "Re-Issue Owner/Mortgagee", "Reissue" ], ["TNK", "Substitution-Refinance Owner/Mortgagee", "Refinance"], ["TNK", "Temporary Construction (Binder only)", "Temporary"], ["TNS", "Regular Owner/Mortgagee", "Regular" ], ["TNS", "Substitution-Refinance Owner/Mortgagee", "Refinance"], ["TNS", "Temporary Construction (Binder only)", "Temporary"], ["V1", "Regular Owner/Mortgagee", "Regular" ], ["V1", "Re-Issue Owner/Mortgagee", "Reissue" ], ["V1", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["V2", "Regular Owner/Mortgagee", "Regular" ], ["V2", "Re-Issue Owner/Mortgagee", "Reissue" ], ["V2", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["V3", "Regular Owner/Mortgagee", "Regular" ], ["V3", "Re-Issue Owner/Mortgagee", "Reissue" ], ["V3", "Mortgagee Temp. Construction and/or Owners", "Temporary"], ["WV", "Regular Owner/Mortgagee", "Regular" ], ["WV", "Re-Issue Owner/Mortgagee", "Reissue" ], ["WV", "Mortgagee Temp. Construction and/or Owners", "Temporary"] ] // ["NJ", "Refinance Owner/Mortgagee", "Refinance" ], // boolean for testing purposes var glDebug // gaOptions column defs var gnCol_opt_region = 0 var gnCol_opt_text = 1 var gnCol_opt_value = 2 // these memvars for dynamic sizing of methods listbox var gnMaxRegionCount var gnMaxRegionWidth // document form name container var goCalcform // for form element navigtion; last element with focus var gnLastIdentFocus // identify browers by object support var gbNav4 = document.layers ? true : false var gbNS6 = document.getElementByID && !document.all? true : false var gbIE4 = document.all ? true : false var gbIE5 = document.all && document.getElementByID ? true : false // carriage return/line feed pair var gs_crlf = "\r\n"; function window_onload(ADocument) { /* Disable right mouse click; Populate methods listbox */ if (ADocument.layers) ADocument.captureEvents(Event.Click); ADocument.onmousedown=click; // encapsulate the HTML form goCalcform = document.cal // init default method listbox options setOption(goCalcform.region.selectedIndex) } // eofct: window_onload() function click(e) { var message = "Copyright 2003-Present" + gs_crlf + "Imperial Web Design" + gs_crlf + "All rights reserved."; if (document.all) { if (event.button == 2) { alert(message); return false; } } if (document.layers) { if (e.which == 3) { alert(message); return false; } } } // eofct: click() function netscapeMouseClick(e) { return false; } // eofct: netscapeMouseClick() function codes(e) { /* trap keypress */ if (gbNav4) // Netscape Navigator 4.0x { var whichCode = e.which } else // Microsoft Internet Explorer 4.0x { var whichCode = e.keyCode } //alert(whichCode) if (whichCode == 13) // enter key { calc() } } // eofct: codes() function NJCalc(coverage,priorcoverage){ //MOLX, REFX if(priorcoverage>coverage) priorcoverage=coverage remainingPriorCoverage=priorcoverage accumulatedPriorCoverage=0 priorPrem=0 method='REF' x = aSeek('NJ', method) startRow=x state=gaMatrix[x][0] method=gaMatrix[x][1] min=gaMatrix[x][2] max=gaMatrix[x][3] rate=gaMatrix[x][4] //debugLog('start at row '+x+': '+'min='+min+', max='+max+', rate='+rate) bail=false while(remainingPriorCoverage>0.1&&!bail){ if((accumulatedPriorCoverage+remainingPriorCoverage)>max){ portionInBlock=max-min }else{ portionInBlock=accumulatedPriorCoverage+remainingPriorCoverage-min } accumulatedPriorCoverage=accumulatedPriorCoverage+portionInBlock remainingPriorCoverage=remainingPriorCoverage-portionInBlock priorPrem=priorPrem+rate*portionInBlock/1000 // debugLog('row '+(x-startRow+1)+': '+'min='+min+', max='+max+', rate='+rate+', accumulatedPriorCoverage='+accumulatedPriorCoverage+', remainingPriorCoverage='+remainingPriorCoverage+', portionInBlock='+portionInBlock+', priorPrem='+priorPrem) x++ state=gaMatrix[x][0] method=gaMatrix[x][1] min=gaMatrix[x][2]; max=gaMatrix[x][3]; rate=gaMatrix[x][4]; if(state!='NJ') bail=true if(method != gaMatrix[x][1].substring(0, method.length) ) bail=true } currentPrem=0 remainingCoverage=Math.round(coverage-priorcoverage) accumulatedCoverage=Math.round(priorcoverage) method='MOL' x = aSeek('NJ', method) startRow=x state=gaMatrix[x][0] method=gaMatrix[x][1] min=gaMatrix[x][2] max=gaMatrix[x][3] rate=gaMatrix[x][4] //debugLog('start at row '+x+': '+'min='+min+', max='+max+', rate='+rate) bail=false while(max0.1&&!bail){ if((accumulatedCoverage+remainingCoverage)>=max){ if(accumulatedCoverage>min) offsetCoverage=accumulatedCoverage-min else offsetCoverage=0 portionInBlock=max-min-offsetCoverage // debugLog('portionInBlock=max-min-offsetCoverage='+max+'-'+min+'-'+offsetCoverage+'='+ portionInBlock) }else{ if(accumulatedCoverage>min) offsetCoverage=accumulatedCoverage-min else offsetCoverage=0 portionInBlock=accumulatedCoverage+remainingCoverage-min-offsetCoverage //debugLog('portionInBlock=accumulatedCoverage+remainingCoverage-min-offsetCoverage='+accumulatedCoverage+'+'+remainingCoverage+'-'+min+'-'+offsetCoverage+'='+ portionInBlock) } accumulatedCoverage=accumulatedCoverage+portionInBlock remainingCoverage=remainingCoverage-portionInBlock currentPrem=currentPrem+rate*portionInBlock/1000 // debugLog('row '+(x-startRow+1)+': '+'min='+min+', max='+max+', rate='+rate+', accumulatedCoverage='+accumulatedCoverage+', remainingCoverage='+remainingCoverage+', portionInBlock='+portionInBlock+', currentPrem='+currentPrem) x++ state=gaMatrix[x][0] method=gaMatrix[x][1] min=gaMatrix[x][2]; max=gaMatrix[x][3]; rate=gaMatrix[x][4]; if(state!='NJ') bail=true if(method != gaMatrix[x][1].substring(0, method.length) ) bail=true } return priorPrem+currentPrem } function calc() { /* Front door to calc routines Created DRH; modfied and enhanced ROD 03/09/01 */ clearLog() var nPremium = 0 var nCvg = 0 var nPriorcvg = 0 var nOwnPriorcvg = 0 var nMtgPriorcvg = 0 var nYears = 0 var nMonths = 0 var nDays = 0 var nNew = 0 var nPrior = 0 var nOwnercvg = 0 var nLendercvg = 0 var nOwneramt = 0 var nLenderamt = 0 var nSearchamt = 0 var nRegionamt = 0 var nNewLenderamt = 0 var cRegion, nAmt var nMinprem, nOwnMinprem, nMtgMinprem, nDiscMin var cOldRegion, nPass, nPercent var cCode, cOwnCode, cMtgeCode var x var sPriordate, nDiscamt var bCalc = false var nCeiling = 0 glDebug = false // get the selected state region cRegion = goCalcform.region.options[goCalcform.region.selectedIndex].value // fetch the shared coverage if (!goCalcform.coverage.disabled) { nCvg = goCalcform.coverage.value.replace(" ","") } else { nCvg = 0 } // make the coverge numeric nCvg = StrToNum(nCvg) if (nCvg > 1000000000) { nPremium = 0 nCvg = 0 } // fetch the owner-specific cvg if (!goCalcform.ownercvg.disabled) { nOwnercvg = goCalcform.ownercvg.value.replace(" ","") } else { nOwnercvg = 0 } // make the coverge numeric nOwnercvg = StrToNum(nOwnercvg) if (nOwnercvg > 1000000000) { nPremium = 0 nOwnercvg = 0 } // fetch the lender-specific cvg if (!goCalcform.lendercvg.disabled) { nLendercvg = goCalcform.lendercvg.value.replace(" ","") } else { nLendercvg = 0 } // make the coverge numeric nLendercvg = StrToNum(nLendercvg) if (nLendercvg > 1000000000) { nPremium = 0 nLendercvg = 0 } /* ROD 06/13/02 Note: replacing user-provided entry for age of prior policy (in years) with a date string, from which we'll calculate the prior policy age */ // fetch prior info if (!goCalcform.priorcvg.disabled) { nPriorcvg = goCalcform.priorcvg.value.replace(" ","") // make the priorcvg numeric nPriorcvg = StrToNum(nPriorcvg) } if (!goCalcform.opriorcvg.disabled) { nOwnPriorcvg = goCalcform.opriorcvg.value.replace(" ","") // make the priorcvg numeric nOwnPriorcvg = StrToNum(nOwnPriorcvg) } if (!goCalcform.mpriorcvg.disabled) { nMtgPriorcvg = goCalcform.mpriorcvg.value.replace(" ","") // make the priorcvg numeric nMtgPriorcvg = StrToNum(nMtgPriorcvg) } // nYears = goCalcform.years.value.replace(" ","") sPriordate = goCalcform.priordate.value.replace(" ","") /* ************* // validate age of prior policy if (nYears.indexOf(",") != -1) { nYears = parseInt(nYears.replace(",","")) } if (nYears.indexOf(".") != -1) { // retain only left of decimal nYears = parseInt(nYears.substring(0, nYears.indexOf("."))) goCalcform.years.value = "" + nYears } if (nYears == "") { nYears = 0 } *************************** */ // identify the rate method by its description method = goCalcform.method.options[goCalcform.method.selectedIndex].value if(cRegion=='NJ'){ if(method=='Refinance'){ opriorDisplay = "" mpriorDisplay = "none" lendertextDisplay="none" }else{ opriorDisplay = "none" mpriorDisplay = "none" lendertextDisplay="" } document.getElementById('lendertext').style.display=lendertextDisplay document.getElementById('lenderdata').style.display=lendertextDisplay document.getElementById('opriorcvgtext').style.display=opriorDisplay document.getElementById('opriorcvgdata').style.display=opriorDisplay document.getElementById('opriorcvg').style.textAlign="right" document.getElementById('mpriorcvgtext').style.display=mpriorDisplay document.getElementById('mpriorcvgdata').style.display=mpriorDisplay document.getElementById('mpriorcvg').style.textAlign="right" } if ((method != "Reissue" && method != "Refinance" && method != "ReissueWithSE" && method != "ReissueWithoutSE" && method != "RefinanceWithSE" && method != "RefinanceWithoutSE" && method != "ReissueLoan" && method != "ReissueUnimproved") || (cRegion == "MIC" )) { // don't allow prior info usage unless Reissue or Refinance; no prior needed for MIC nPriorcvg = 0.00 nOwnPriorcvg = 0.00 nMtgPriorcvg = 0.00 // nYears = 0 sPriordate = "" } if (cRegion == "PAC" && (method == "Reissue" || method == "Refinance")) { // no prior cvg amount used nPriorcvg = 0.00 } if (method == "Reissue" || method == "Refinance" || method == "ReissueWithSE" || method == "ReissueWithoutSE" || method == "RefinanceWithSE" || method == "RefinanceWithoutSE" || method == "ReissueLoan" || method == "ReissueUnimproved") { // validate prior policy date and calc age if (sPriordate != "") { // format and redisp if necessary sPriordate = formatDateString(sPriordate) goCalcform.priordate.value = sPriordate if (!verifyDate(sPriordate)) { alert("Provide a valid Prior Coverage date in format mm/dd/yyyy") goCalcform.priordate.value = "" goCalcform.priordate.focus() return(false) } // gather age in 3 elem array...years, months, days aAge = getAge(sPriordate,5) for (i=0; i < aAge.length ; i++ ) { // init age of prior policy into vars nYears = (i == 0) ? aAge[i] : nYears nMonths = (i == 1) ? aAge[i] : nMonths nDays = (i == 2) ? aAge[i] : nDays } // alert("years = " + nYears + " mths = " + nMonths + " days = " + nDays ) // convert to pseudo-fractional amount if less than year old (eg. 11 mths = 0.11, 25 days = .025) nYears = (nYears == 0) ? nMonths * .01 : nYears nYears = (nYears == 0) ? nDays * .001 : nYears // alert("years = " + nYears + " mths = " + nMonths + " days = " + nDays ) if (nYears >= 1) { // year or more old, force rounding of years up to next whole number whenever months/days present if (nMonths > 0 || nDays > 0) { // force next whole number nYears = Math.ceil(nYears + .1) } // alert("years = " + nYears + " mths = " + nMonths + " days = " + nDays ) } // examine possible prior policy age ceiling nCeiling = GetAgeCeiling(cRegion) if (nCeiling != 0 && cRegion != "NJ") { if (method == "Reissue" && nYears > nCeiling) { alert("Prior policy age exceeds " + nCeiling + " year limit for " + method + ".\r\nUse Regular or Orginal method instead.") goCalcform.priordate.value = "" return(false) } } // whew! } // endif (sPriordate != "") } // endif (method == ...) if ( (method == "Temporary" && (cRegion == "SC" || cRegion == "TN" || cRegion == "TND" || cRegion == "TNS" || cRegion == "TNK" || cRegion == "TNH" )) || (method == "RefinanceWithSE" || method == "RefinanceWithoutSE") || method == "Modification" || (cRegion == "MIC" && (method == "ReissueLoan" || method == "Refinance" || method == "BasicLoan")) || ((cRegion == "NY1" || cRegion == "NY2" || cRegion == "DC") && method == "Refinance") ) { // mortgagee only method, so don't allow owner cvg usage nOwnercvg = 0.00 } if (cRegion == "MIC") { // force $1m min cvg usage in Mich Commercial region if (nLendercvg < 1000000) { nLendercvg = 0.00 } if (nOwnercvg < 1000000) { nOwnercvg = 0.00 } if (nPriorcvg < 1000000) { nPriorcvg = 0.00 } if (nCvg < 1000000) { nCvg = 0.00 } } //validate shared coverage is numeric if (isNaN(nCvg) && !goCalcform.coverage.disabled) { alert("Please enter numeric values only for Highest coverage.") goCalcform.coverage.value = "0.00" goCalcform.coverage.focus() return(false) } //validate owner coverage is numeric if (isNaN(nOwnercvg) && !goCalcform.ownercvg.disabled) { alert("Please enter numeric values only for Owner coverage.") goCalcform.ownercvg.value = "0.00" goCalcform.ownercvg.focus() return(false) } //validate lender coverage is numeric if (isNaN(nLendercvg) && !goCalcform.lendercvg.disabled) { alert("Please enter numeric values only for Lender coverage.") goCalcform.lendercvg.value = "0.00" goCalcform.lendercvg.focus() return(false) } //validate highest prior cvg if (isNaN(nPriorcvg) && !goCalcform.priorcvg.disabled) { alert("Please enter numeric values only for Highest prior coverage.") goCalcform.priorcvg.value = "0.00" goCalcform.priorcvg.focus() return (false) } // validate owner prior cvg if (isNaN(nOwnPriorcvg) && !goCalcform.opriorcvg.disabled) { alert("Please enter numeric values only for Owner prior coverage.") goCalcform.opriorcvg.value = "0.00" goCalcform.opriorcvg.focus() return (false) } // validate lender prior cvg if (isNaN(nMtgPriorcvg) && !goCalcform.mpriorcvg.disabled) { alert("Please enter numeric values only for Mortgagee prior coverage.") goCalcform.mpriorcvg.value = "0.00" goCalcform.mpriorcvg.focus() return (false) } /* ************************************ //validate 'nYears' is numeric if (isNaN(nYears)) { alert("Please enter numeric values only.") goCalcform.years.value = "0" goCalcform.years.focus() return (false) } // validate reasonableness in years if (nYears > 99) { alert("Prior policy age should be less than 100") goCalcform.years.value = "0" goCalcform.years.focus() return (false) } ************************************ */ if ( ((cRegion == "MD" || cRegion == "TN" || cRegion == "TND" || cRegion == "TNH" || cRegion == "TNK" || cRegion == "NE" || cRegion == "NE1" || cRegion == "MS" || cRegion == "AR" || cRegion == "IN1" || cRegion == "IN2" || cRegion == "IN3" || cRegion == "IL") && method == "Refinance" && nPriorcvg > 0 && nYears > 0 && nLendercvg == 0) || (cRegion == "PAC" && method == "Refinance" && nYears > 0 && nLendercvg == 0) ) { alert("Mortgagee coverage required for " + method) // seeding a non-zero value keeps this trap from repeatedly firing goCalcform.lendercvg.value = "1.00" goCalcform.lendercvg.focus() return (false) } if (cRegion == "MIC" && (method == "Basic" || method == "Reissue") && nOwnercvg == 0 && nLendercvg > 0) { alert("Owner coverage required for " + method) // seeding a non-zero value keeps this trap from repeatedly firing goCalcform.ownercvg.value = "1000000.00" goCalcform.ownercvg.focus() return (false) } // round coverages up to nearest $k for these regions if (cRegion == "PA" || cRegion == "PAC" || cRegion == "SC" || cRegion == "V1" || cRegion == "V2" || cRegion == "V3" || cRegion == "WV" || cRegion == "NY1" || cRegion == "NY2" || cRegion == "MI1" || cRegion == "MI2" || cRegion == "MIK" || cRegion == "MIC" || cRegion == "MI1m" || cRegion == "MI2m" || cRegion == "MIKm" || cRegion == "MI1x" || cRegion == "MI2x" || cRegion == "MIKx" || cRegion == "AL" || cRegion == "KY" || cRegion == "NE" || cRegion == "NE1" || cRegion == "DC" || cRegion == "MS" || cRegion == "AR" || cRegion == "IN1" || cRegion == "IN2" || cRegion == "IN3" || cRegion == "NJ" || cRegion == "IL" || cRegion == "LA" ) { nCvg = (nCvg > 0) ? kRoundup(nCvg) : nCvg nOwnercvg = (nOwnercvg > 0) ? kRoundup(nOwnercvg) : nOwnercvg nLendercvg = (nLendercvg > 0) ? kRoundup(nLendercvg) : nLendercvg nPriorcvg = (nPriorcvg > 0) ? kRoundup(nPriorcvg) : nPriorcvg // these are NJ prior coverages nOwnPriorcvg = (nOwnPriorcvg > 0) ? kRoundup(nOwnPriorcvg) : nOwnPriorcvg nMtgPriorcvg = (nMtgPriorcvg > 0) ? kRoundup(nMtgPriorcvg) : nMtgPriorcvg } // round coverages up to nearest $100 for these regions if (cRegion == "FL") { nCvg = (nCvg > 0) ? hRoundup(nCvg) : nCvg nOwnercvg = (nOwnercvg > 0) ? hRoundup(nOwnercvg) : nOwnercvg nLendercvg = (nLendercvg > 0) ? hRoundup(nLendercvg) : nLendercvg nPriorcvg = (nPriorcvg > 0) ? hRoundup(nPriorcvg) : nPriorcvg } // reinit the prior cvg for New Jersey nPriorcvg = (cRegion == "NJ" && method == "Reissue") ? nOwnPriorcvg : nPriorcvg nPriorcvg = (cRegion == "NJ" && method == "Refinance") ? nMtgPriorcvg : nPriorcvg // start the shoooww.. // fetch the min premium for the region nMinprem = getMinPrem(cRegion) if (cRegion == "NC") { // shared coverage prompts if (method == "Regular") { nPremium = PremCalc(cRegion, "MOL", nCvg, nMinprem) } else if (method == "Reissue" && nPriorcvg > 0 && nYears > 0) { nNew = PremCalc(cRegion, "MOL", nCvg, nMinprem) // calc at new cvg nPrior = PremCalc(cRegion, "MOL", nPriorcvg, nMinprem) // calc at prior cvg nPremium = PremDisc(cRegion, "REIS", nNew, nPrior, nYears, nMinprem) // apply discount } else if (method == "Refinance" && nPriorcvg > 0 && nYears > 0) { nNew = PremCalc(cRegion, "MOL", nCvg, nMinprem) // calc at new cvg nPrior = PremCalc(cRegion, "MOL", nPriorcvg, nMinprem) // calc at prior cvg nPremium = PremDisc(cRegion, "REFI", nNew, nPrior, nYears, nMinprem) // apply discount } else if (method == "Commercial") { nPremium = getFlatRatePerK(cRegion, "CMER", nCvg, nMinprem) } else if (method == "Temporary") { nPremium = getFlatRatePerK(cRegion, "TCON", nCvg, nMinprem) } else if (method == "SubdivDevel") { nPremium = getFlatRatePerK(cRegion, "SDSA", nCvg, nMinprem) } else if (method == "CommunHouse") { nPremium = getFlatRatePerK(cRegion, "CHOU", nCvg, nMinprem) } } // end NC calcs else if (cRegion == "MD" || cRegion == "SC" || cRegion == "V1" || cRegion == "V2" || cRegion == "V3" || cRegion == "WV" || cRegion == "MI1" || cRegion == "MI2" || cRegion == "MIK" || cRegion == "MIC" || cRegion == "MI1x" || cRegion == "MI2x" || cRegion == "MIKx" || cRegion == "MI1m" || cRegion == "MI2m" || cRegion == "MIKm" || cRegion == "NY1" || cRegion == "NY2" || cRegion == "AL" || cRegion == "PA" || cRegion == "PAC" || cRegion == "KY" || cRegion == "NE" || cRegion == "NE1" || cRegion == "DC" || cRegion == "MS" || cRegion == "AR" || cRegion == "IN1" || cRegion == "IN2" || cRegion == "IN3" || cRegion == "OH" || cRegion == "NJ" || cRegion == "GM" || cRegion == "GS" || cRegion == "IL" || cRegion == "LA" || cRegion == "FL" ) { // dual coverage prompts and calcs // init matrix table codes if (cRegion == "SC" || cRegion == "MIC" || cRegion == "PA" || cRegion == "PAC" || cRegion == "NE" || cRegion == "NE1" || cRegion == "IN1" || cRegion == "IN2" || cRegion == "IN3" || cRegion == "NJ" || cRegion == "FL" || method == "BasicWithoutSE" || method == "ReissueWithoutSE" || method == "RefinanceWithoutSE" ) { cMtgeCode = "MOL" cOwnCode = "MOL" } else { if(applyNY15PercentDiscount){ // alert('method '+method); if((cRegion=="NY1"||cRegion=="NY2")&&method=="Modification"){ cMtgeCode = "MODMTG" if(cRegion=="NY2"){ if(nOwnercvg>=1000000){ cOwnCode = "MODOWN" }else cOwnCode = "LOWMODOWN" }else cOwnCode = "MODOWN" }else{ cMtgeCode = "MTG" if(method!="Temporary"){ if(cRegion=="NY2"){ if(nOwnercvg>=1000000){ cOwnCode = "OWN" }else cOwnCode = "LOWOWN" }else cOwnCode = "OWN" }else cOwnCode = "OWN" } }else{ if((cRegion=="NY1"||cRegion=="NY2")&&method=="Modification"){ cMtgeCode = "MODMTG" cOwnCode = "MODOWN" }else{ cMtgeCode = "MTG" cOwnCode = "OWN" } } // alert('mtgcode '+cMtgeCode+' owncode '+cOwnCode); } if (cRegion == "FL" && method == "RegularMultiple") { // method has its own min prem nMinprem = getOtherMinPrem(cRegion) } // re-init min premium values for separate entity usage if (cRegion == "MD" || cRegion == "NY1" || cRegion == "NY2" || cRegion == "DC" || cRegion == "OH" || cRegion == "LA") { nOwnMinprem = nMinprem nMtgMinprem = getOtherMinPrem(cRegion) } else { nOwnMinprem = nMinprem nMtgMinprem = nMinprem } // rate calcs follow ///alert('('+cRegion+','+ cOwnCode+','+ cMtgeCode+','+method+')'); if (method == "Regular" || method == "Basic" || method == "BasicWithSE" || method == "BasicWithoutSE" || method == "BasicLoan" || method == "RegularMultiple" || method == "Modification") { // calc each entity nOwneramt = PremCalc(cRegion, cOwnCode, nOwnercvg, nOwnMinprem) nLenderamt = PremCalc(cRegion, cMtgeCode, nLendercvg, nMtgMinprem) /* if(method=='Modification'){ nOwneramt=Math.ceil(nOwneramt); nLenderamt=Math.ceil(nLenderamt); }*/ // save off the "new" lenderamt for simul calc in Mich nNewLenderamt = nLenderamt // flag for simul calc bCalc = true //alert("Owner = " + nOwneramt +" lender="+nLenderamt) } /* ********************************************************************* NOTE: disabled but preserving legacy UW method of Reissue/Refi calc; see note in following Refi/Reis section for explantion else if (cRegion != "MD" && (method == "Reissue" || method == "Refinance") && nPriorcvg > 0 && nYears > 0) { // calc new nOwneramt = PremCalc(cRegion, cOwnCode, nOwnercvg, nMinprem) nLenderamt = PremCalc(cRegion, cMtgeCode, nLendercvg, nMinprem) nNew = Math.max(nOwneramt, nLenderamt) // calc prior; note use of same cvg in both calcs if (nOwnercvg > 0) { nOwneramt = PremCalc(cRegion, cOwnCode, nPriorcvg, nMinprem) } if (nLendercvg > 0) { nLenderamt = PremCalc(cRegion, cMtgeCode, nPriorcvg, nMinprem) } nPrior = Math.max(nOwneramt, nLenderamt) if (method == "Reissue") { cCode = "REIS" } else { cCode = "REFI" } // apply discount nPremium = PremDisc(cRegion, cCode, nNew, nPrior, nYears, nMinprem) } else if (cRegion == "MD" && (method == "Reissue" || method == "Refinance") && nPriorcvg > 0 && nYears > 0) ********************************************************************************** */ else if ((method == "Reissue" || method == "Refinance" || method == "ReissueWithoutSE" || method == "ReissueWithSE" || method == "ReissueLoan" || method == "RefinanceWithoutSE" || method == "RefinanceWithSE" || method == "ReissueUnimproved") && ( (nPriorcvg > 0 && nYears > 0) || (cRegion == "NJ" ) || (cRegion == "MIC" || (cRegion == "PAC" && nYears > 0)) )) { /* NOTE: To arrive at same calcs as TP, must now calc each entity separately (e.g. calc owner new and prior, then lender new and prior). Legacy UW method of calcing new and prior with max coverage value no longer works with Eva's TP scripts when lender exceeds owner and prior <= new. Already had this method written for Maryland anyway due to differing owner and mtgee min premiums; just had to open it up for everyone else. ROD 08/02/01 */ /* 10/21/02 ROD revise minprem usage */ if (cRegion == "PAC") { // no min prem used here nOwnMinprem = 0 nMtgMinprem = 0 } // calc new nOwneramt = PremCalc(cRegion, cOwnCode, nOwnercvg, nOwnMinprem) nLenderamt = PremCalc(cRegion, cMtgeCode, nLendercvg, nMtgMinprem) // save off the "new" lenderamt for simul calc in Mich nNewLenderamt = nLenderamt // flag for simul calc bCalc = true // alert("Owner new = " + nOwneramt + " Lender new = " + nLenderamt) if (method == "Reissue" || method == "ReissueWithSE" || method == "ReissueWithoutSE" || method == "ReissueLoan" || method == "ReissueUnimproved") { cCode = (cRegion == "PAC" || cRegion == "NJ" || cRegion == "FL") ? "REI" : "REIS" } else { cCode = (cRegion == "PAC" || cRegion == "NJ") ? "REF" : "REFI" if (cRegion == "NY1" || cRegion == "NY2") { // New York has differing discount rate based upon cvg x = aSeek(cRegion, "REFI") if (x > -1) { // init the discount code to use cCode = (nLendercvg > gaMatrix[x][gnCol_maxlimit]) ? "REFy" : "REFx" // nMtgMinprem = (cCode == "REFy") ? 0 : nMtgMinPrem } } else if (cRegion == "IN2") { // Refi uses Reissue in this region for whatever strange reason cCode = "REIS" } } // calc prior and discount...each entity if (nOwnercvg > 0) { if (cRegion == "MIC") { // MIC commerical does its own discount thing...no prior cvg involved nOwneramt = CommDisc(cRegion,cCode,nOwnercvg,nOwneramt,nOwnMinprem,cOwnCode) // alert("Discounted Owner = " + nOwneramt) } else if (cRegion == "PAC") { // PAC does its own discount thing...no prior cvg involved nOwneramt = SpecDisc(cRegion,cCode,nOwnercvg,nOwneramt,nYears,nOwnMinprem,cOwnCode) } else if ( (cRegion == "NJ" && method == "Reissue") || cRegion == "FL") { // Jersey and Floridas out there alone // calc prior rate nPrior = PremCalc(cRegion, cOwnCode, nPriorcvg, nOwnMinprem) // calc in discount matrix nDiscamt = PremCalc(cRegion, cCode, Math.min(nPriorcvg,nOwnercvg), nOwnMinprem) // apply discount nOwneramt = nDiscamt + Math.max((nOwneramt - nPrior),0) } else if (cRegion == "NJ" && method == "Refinance") { nOwneramt = NJCalc(nOwnercvg, nOwnPriorcvg) } else { // all other regions calc prior rate nPrior = PremCalc(cRegion, cOwnCode, nPriorcvg, nOwnMinprem) // apply discount nOwneramt = PremDisc(cRegion, cCode, nOwneramt, nPrior, nYears, nOwnMinprem) // alert("Owner Prior = " + nPrior) } // endif (cRegion == ...) } // endif (nOwnercvg > 0) if (nLendercvg > 0) { if (cRegion == "MIC") { // MIC commerical does its own discount thing...no prior cvg involved nLenderamt = CommDisc(cRegion,cCode,nLendercvg,nLenderamt,nMtgMinprem,cMtgeCode) // alert("Discounted Lender = " + nLender) } else if (cRegion == "PAC") { // PAC does its own discount thing...no prior cvg involved nLenderamt = SpecDisc(cRegion,cCode,nLendercvg,nLenderamt,nYears,nMtgMinprem,cMtgeCode) } else if ( (cRegion== "NJ" && method == "Reissue" ) || cRegion == "FL") { // Jersey and Florida out there alone // calc prior rate nPrior = PremCalc(cRegion, cMtgeCode, nPriorcvg, nMtgMinprem) // calc in discount matrix nDiscamt = PremCalc(cRegion, cCode, Math.min(nPriorcvg,nLendercvg), nMtgMinprem) // apply discount nLenderamt = nDiscamt + Math.max((nLenderamt - nPrior),0) } else if (cRegion == "NJ" && method == "Refinance") { // this one's from another planet nOwneramt = NJCalc(nLendercvg, nMtgPriorcvg) } else { // prior rate nPrior = PremCalc(cRegion, cMtgeCode, nPriorcvg, nMtgMinprem) // apply discount if ((method == "RefinanceWithSE" || method == "RefinanceWithoutSE")) { // Refinance is pretty bizzare in Michigan regions /* first calc discount at 1 year or more rate; note hardcoded parameters: 0 for priorcvg and 1 for years age of prior */ nDiscamt = PremDisc(cRegion, cCode, nLenderamt, 0, 1, nMtgMinprem) // alert("nDiscamt = " + nDiscamt) if (nYears < 1) { /* if prior less than a year old, take lesser of previous discount calc or or calcuated discount for less than year old. Screwy! */ nLenderamt = Math.min(nDiscamt, PremDisc(cRegion, cCode, nLenderamt, nPrior, nYears, nMtgMinprem)) } else { // older than a year...just go with the full rate discount nLenderamt = nDiscamt } } else { // all others proceed with normal discount method...pass prior rate nLenderamt = PremDisc(cRegion, cCode, nLenderamt, nPrior, nYears, nMtgMinprem) } // alert("Lender Prior = " + nPrior + " Lender Disc Prem = " + nLenderamt) } // (cRegion == ...) } //endif (nLendercvg > 0) } // endif (method == "Reissue/Refinance") else if (method == "Temporary" && nLendercvg > 0) { // calc any owner at regular rate nOwneramt = PremCalc(cRegion, cOwnCode, nOwnercvg, nOwnMinprem) // flag for simul calc bCalc = true if (cRegion == "NY1" || cRegion == "NY2") { // calc lender cvg under Owner matrix nLenderamt = PremCalc(cRegion, cOwnCode, nLendercvg, nOwnMinprem) } else if (cRegion == "OH") { // calc lender with matrix nLenderamt = PremCalc(cRegion, "TCN", nLendercvg, nMtgMinprem) } else { // calc lender at TC rate nLenderamt = getFlatRatePerK(cRegion, "TCON", nLendercvg, nMtgMinprem) } // alert("Owner = " + nOwneramt + " Lender = " + nLenderamt) } // endif (method == ...) if (cRegion == "V1" || cRegion == "V2" || cRegion == "V3" || cRegion == "WV" || cRegion == "NY1" || cRegion == "NY2" || cRegion == "AL" || cRegion == "KY" || cRegion == "DC" || cRegion == "MS" || cRegion == "AR" || cRegion == "IN1" || cRegion == "IN2" || cRegion == "IN3" || cRegion == "NJ" || cRegion == "IL" || cRegion == "LA") { // apply premium rounding to nearest whole dollar...prior to simul nOwneramt = Math.round(nOwneramt) nLenderamt = Math.round(nLenderamt) } // finish calcs with simul examination if (bCalc) { if (cRegion == "MI1" || cRegion == "MI2" || cRegion == "MIK" || cRegion == "MI1x" || cRegion == "MI2x" || cRegion == "MIKx" || cRegion == "MI1m" || cRegion == "MI2m" || cRegion == "MIKm" || cRegion == "MIC") { // reassess Lender portion when simul...Michigan's out there by itself if (nOwnercvg > 0 && nLendercvg > 0) { // simul issue calcs if (cRegion == "MIC") { // MI commercial, flat fee assessed for lender portion nLenderamt = GetSimulfee(cRegion, nOwnercvg, nLendercvg) } else { // all other MI, apply discount to NEW lender amt in simul issue nLenderamt = getPercentRate(cRegion, "SIOM", nNewLenderamt, nMtgMinprem) // alert("Lender @simul rate = " + nLenderamt) } } } else if (cRegion == "NY1" || cRegion == "NY2") { if (nOwnercvg > 0 && nLendercvg > 0) { // New York does it's own thing for simul if (nLendercvg > nOwnercvg) { if (method == "Regular") { // get an *Owner* rate based upon *Lender* matrix nAmt = PremCalc(cRegion, cMtgeCode, nOwnercvg, nMtgMinprem) // recalc the lender nLenderamt = (nLenderamt - nAmt) + getPercentRate(cRegion, "SIOM", nAmt, 0) } else if (method == "Temporary") { // recalc the lender nLenderamt = (nLenderamt - nOwneramt) + getPercentRate(cRegion, "SIOM", nOwneramt, 0) } } else { // calc lender at percent rate nLenderamt = getPercentRate(cRegion, "SIOM", nLenderamt, 0) } // round entity premium for consistency with TP nLenderamt = Math.round(nLenderamt) } } else if (cRegion == "DC" && method != "Temporary") { // DC does its own thing for simul if (nOwnercvg > 0 && nLendercvg > 0) { x = aSeek(cRegion, "SIOM") if (x > -1) { // greater of...flat fee or x% of owner amt nOwneramt = Math.max(gaMatrix[x][gnCol_rate], percentcalc(nOwneramt, gaMatrix[x][gnCol_additional])) } // round entity premiums for consistency with TP nOwneramt = Math.round(nOwneramt) } } else if (nOwnercvg > 0 && nLendercvg > 0 && cRegion == "NJ" && method == "Refinance") { // NJ Refi: Lender absorbs simul in addition to existing calc nLenderamt += GetSimulfee(cRegion, nOwnercvg, nLendercvg) } else if (nOwnercvg > 0 && nLendercvg > 0 && !(cRegion == "DC" && method == "Temporary")) { // simul calc for remaining regions if (nLenderamt > nOwneramt) { nLenderamt = (nLenderamt - nOwneramt) + GetSimulfee(cRegion, nOwnercvg, nLendercvg) } else { nLenderamt = GetSimulfee(cRegion, nOwnercvg, nLendercvg) } } } // endif (bCalc) // sum entities for result nPremium = nOwneramt + nLenderamt } else if (cRegion == "TN" || cRegion == "TND" || cRegion == "TNH" || cRegion == "TNK" || cRegion == "TNS") { // dual coverages with unique setup for search fee calcs cOldRegion = cRegion // set up two passes through rate calcs, specifically for TNK, TNH search fee calc for (nPass = 1; nPass < 3 ; nPass++ ) { if (nPass == 2 && (cOldRegion == "TNK" || cOldRegion == "TNH")) { // temporary identity switch of region cRegion = "TN" } // fetch the min premium for the region in use nMinprem = getMinPrem(cRegion) // init matrix codes if (cRegion == "TND" || cRegion == "TNK" || cRegion == "TNS") { cMtgeCode = "MOL" cOwnCode = "MOL" } else { cMtgeCode = "MTG" cOwnCode = "OWN" } // rate calcs follow if (method == "Regular") { nOwneramt = PremCalc(cRegion, cOwnCode, nOwnercvg, nMinprem) nLenderamt = PremCalc(cRegion, cMtgeCode, nLendercvg, nMinprem) } else if (method == "Reissue" && nPriorcvg > 0 && nYears > 0) { // see note in previous Reissue/Refinance calc // calc new nOwneramt = PremCalc(cRegion, cOwnCode, nOwnercvg, nMinprem) nLenderamt = PremCalc(cRegion, cMtgeCode, nLendercvg, nMinprem) // calc prior and discount...each entity if (nOwnercvg > 0) { // prior rate nPrior = PremCalc(cRegion, cOwnCode, nPriorcvg, nMinprem) // apply discount nOwneramt = PremDisc(cRegion, "REIS", nOwneramt, nPrior, nYears, nMinprem) } if (nLendercvg > 0) { // prior rate nPrior = PremCalc(cRegion, cMtgeCode, nPriorcvg, nMinprem) // apply discount nLenderamt = PremDisc(cRegion, "REIS", nLenderamt, nPrior, nYears, nMinprem) } } else if (method == "Refinance" && nPriorcvg > 0 && nYears > 0) { // see note in previous Reissue/Refinance calc // calc new nOwneramt = PremCalc(cRegion, cOwnCode, nOwnercvg, nMinprem) nLenderamt = PremCalc(cRegion, cMtgeCode, nLendercvg, nMinprem) // init special min for discount calc x = aSeek(cRegion, "SURE") if (x > -1) { nDiscMin = gaMatrix[x][gnCol_additional] } // calc prior and discount...each entity if (nOwnercvg > 0) { // prior rate nPrior = PremCalc(cRegion, cOwnCode, nPriorcvg, nMinprem) // apply discount nOwneramt = PremDisc(cRegion, "SURE", nOwneramt, nPrior, nYears, nDiscMin) } if (nLendercvg > 0) { // prior rate nPrior = PremCalc(cRegion, cMtgeCode, nPriorcvg, nMinprem) // apply discount nLenderamt = PremDisc(cRegion, "SURE", nLenderamt, nPrior, nYears, nDiscMin) } } else if (method == "Temporary" && nLendercvg > 0) { if (cRegion == "TN" || cRegion == "TNS") { // calc the premium rate nLenderamt = PremCalc(cRegion, cMtgeCode, nLendercvg, nMinprem) nLenderamt = getPercentRate(cRegion, "TCON", nLenderamt, nMinprem) } else { // use a graduated level nLenderamt = PremCalc(cRegion, "TCB", nLendercvg, nMinprem) } } // endif (method == ...) // simul examination if (nOwneramt > 0 && nLenderamt > 0) { if (nLenderamt > nOwneramt) { nLenderamt = (nLenderamt - nOwneramt) + GetSimulfee(cRegion, nOwnercvg, nLendercvg) } else { nLenderamt = GetSimulfee(cRegion, nOwnercvg, nLendercvg) } } nPremium = nOwneramt + nLenderamt if (cRegion == "TNK" || cRegion == "TNH") { // save off the Knox and Hamilton premium nRegionprem = nPremium } if (nPass == 1 && (cRegion == "TN" || cRegion == "TND" || cRegion == "TNS")) { // TNK and TNH take a second pass thru to calcs; all others exit break } else { // restore region identity cRegion = cOldRegion } } // calc the search fees if (cRegion == "TNK" || cRegion == "TNH") { // search is All Other region less current region nSearchamt = nRegionprem - nPremium } else if (cRegion == "TND" || cRegion == "TNS") { // search is premium less percentage of premium nPercent = (cRegion == "TND") ? 50 : 60 nOwneramt = percentcalc(nOwneramt, nPercent) nLenderamt = percentcalc(nLenderamt, nPercent) nPremium = nOwneramt + nLenderamt nSearchamt = nPremium } if (method == "Temporary" && nLendercvg > 0) { // add-in any commitment fee, but after search calc nPremium += GetCommitmentfee(cRegion, nLendercvg) } } // endif (sRegion == ...) // format and reinit rate parameters goCalcform.premium.value = format(nPremium,2) // goCalcform.priorcvg.value = format(nPriorcvg,2) // goCalcform.years.value = "" + nYears goCalcform.priordate.value = sPriordate if (gbNav4) { // goCalcform.years.value = padl(nYears,14) } if (!goCalcform.priorcvg.disabled) { goCalcform.priorcvg.value = format(nPriorcvg,2) } if (!goCalcform.opriorcvg.disabled) { goCalcform.opriorcvg.value = format(nOwnPriorcvg,2) } if (!goCalcform.mpriorcvg.disabled) { goCalcform.mpriorcvg.value = format(nMtgPriorcvg,2) } if (!goCalcform.coverage.disabled) { goCalcform.coverage.value = format(nCvg,2) } if (!goCalcform.ownercvg.disabled) { goCalcform.ownercvg.value = format(nOwnercvg,2) } if (!goCalcform.lendercvg.disabled) { goCalcform.lendercvg.value = format(nLendercvg,2) } if (!goCalcform.search.disabled) { goCalcform.search.value = format(nSearchamt,2) } if (!goCalcform.allincl.disabled) { goCalcform.allincl.value = format(nPremium + nSearchamt,2) } if (!goCalcform.ownprem.disabled) { goCalcform.ownprem.value = format(nOwneramt,2) } if (!goCalcform.mtgprem.disabled) { goCalcform.mtgprem.value = format(nLenderamt,2) } } //eofct: calc() /////////////////////////////////////////// // calculator supporting functions below // /////////////////////////////////////////// function aSeek(cRegion, cCode) { /* scan matrix array for first state and method code ocurrance, returning first element number found; basically simulates a table seek created ROD 03/08/01 */ var i var element = -1 for (i=0; i < gaMatrix.length ; i++ ) { if (gaMatrix[i][gnCol_region] == cRegion && gaMatrix[i][gnCol_code].substring(0, cCode.length) == cCode) { element = i break } } return element } // eofct: aSeek() function aOptSeek(cRegion) { /* scan options array for first state ocurrance, returning first element number found; basically simulates a table seek created ROD 03/12/01 */ var i var element = -1 for (i=0; i < gaOption.length ; i++ ) { if (gaOption[i][gnCol_opt_region] == cRegion) { element = i break } } return element } // eofct: aOptSeek() function extcalc(nAmt, nUnits) { /* Calculate an extended two-decimal price created ROD 03/08/01 */ nAmt = Math.round( 100 * nAmt * nUnits) / 100 return nAmt } // eofct: extcalc() function percentcalc(nAmt, nRate) { /* Calculate an extended two-decimal price for percentage rate created ROD 03/08/01 */ nAmt = Math.round( 100 * nAmt * (nRate * .01) ) / 100 return nAmt } // eofct: percentcalc() function getMinPrem(cRegion) { /* Retrieve the minimum premium for the region created ROD 03/08/01 */ var minprem = 0 var x = aSeek(cRegion, "MINP") // find the min premium element if (x > -1) { // use the standard array value minprem = gaMatrix[x][gnCol_rate] } return minprem } // eofct: getMinPrem() function getOtherMinPrem(cRegion) { /* Retrieve Other minimum premium for the region created ROD 05/03/01 */ var minprem = 0 var x = aSeek(cRegion, "MINP") // find the min premium element if (x > -1) { // use the standard array value minprem = gaMatrix[x][gnCol_additional] } return minprem } // eofct: getOtherMinPrem() function kRoundup(nCvg) { /* round coverage *up* to nearest $k; one line of code...thankyouverymuch created 03/14/01 ROD */ var nResult = Math.floor((eval(nCvg) + 999.99) * .001) * 1000 return nResult } // eofct: kRoundup() function hRoundup(nCvg) { /* round coverage *up* to nearest $100; one line of code...thankyouverymuch created 09/25/02 ROD */ var nResult = Math.floor((eval(nCvg) + 99.99) * .01) * 100 return nResult } // eofct: hRoundup() function PremCalc(cRegion, cCode, nCvg, nMinprem) { /* step-thru of rate matrix based upon supplied region and code, and return calculated premium created ROD 03/08/01 */ //alert('PremCalc('+cRegion+','+ cCode+','+ nCvg+','+ nMinprem+')'); var nAmt = 0.00 var nPrem = 0.00 var nApplied = 0.00 var minprem = 0.00 // init from coverage var nRemain = nCvg var i = aSeek(cRegion, cCode) // find the 1st matrix method element if (i > -1 && nCvg > 0 && (((cRegion == "TND" || cRegion == "TNH" || cRegion == "TNK" || cRegion == "TNS" || cRegion == "NY1" || cRegion == "NY2" || cRegion == "MIC" || cRegion == "MI1" || cRegion == "MI2" || cRegion == "MIK" || cRegion == "MI1x" || cRegion == "MI2x" || cRegion == "MIKx" || cRegion == "MI1m" || cRegion == "MI2m" || cRegion == "MIKm" || cRegion == "PA" || cRegion == "PAC" || cRegion == "NE" || cRegion == "NE1" || cRegion == "LA" ) && (cCode == "MOL" || cCode == "OWN" || cCode == "MTG" || cCode == "TCB" ||cCode == "MODOWN" ||cCode == "MODMTG" ||cCode == "LOWMODOWN" )) || (cRegion == "NY2" && cCode == "LOWOWN") )) { // these regions calc first level at flat rate // alert("i = "+i+", gnCol_rate = "+gnCol_rate) nPrem = gaMatrix[i][gnCol_rate] nApplied += gaMatrix[i][gnCol_maxlimit] nRemain -= gaMatrix[i][gnCol_maxlimit] i++ } // step thru the rate matrix levels while (i > -1 && i < gaMatrix.length && nRemain > 0.00 && cRegion + cCode == gaMatrix[i][gnCol_region] + gaMatrix[i][gnCol_code].substring(0, cCode.length) ) { if (cCode == "MHP") { // MHELP uses a flat rate on coverage levels nPrem += gaMatrix[i][gnCol_rate] nApplied += gaMatrix[i][gnCol_maxlimit] nRemain -= gaMatrix[i][gnCol_maxlimit] } else { // all other calcs use rate per $k nAmt = Math.min( gaMatrix[i][gnCol_maxlimit] - nApplied, nCvg - nApplied ) nPrem += extcalc(nAmt, gaMatrix[i][gnCol_rate] * .001) nApplied += nAmt nRemain -= nAmt } if (glDebug) { alert("cRegion = "+cRegion+", cCode = "+cCode+", nAmt = " + nAmt + gs_crlf + "nPrem = " + nPrem + gs_crlf + "nApplied = " + nApplied + gs_crlf + "nRemain = " + nRemain) } i++ } // don't apply minimum unless there's a provided coverage if (nCvg > 0) { nPrem = Math.max(nPrem,nMinprem) } // alert("Premium = " + nPrem) return nPrem } // eofct: PremCalc() function getFlatRatePerK(cRegion, cCode, nCvg, nMinprem) { /* Calculate a flat rate per thousand; used for Temp Constr., Commercial, Community Housing, Subdivider created ROD 03/08/01 */ var nPrem = 0 // find the rate method var i = aSeek(cRegion, cCode) if (i > - 1) { nPrem = Math.max(extcalc(nCvg, gaMatrix[i][gnCol_rate] * .001), nMinprem) } return nPrem } //eofct: getFlatRatePerK() function getPercentRate(cRegion, cCode, nAmt, nMinprem) { /* Calculate an amount from a percentage rate created ROD 04/30/01 */ var nPrem = nAmt // default to received parameter // find the rate method var i = aSeek(cRegion, cCode) if (i > - 1) { // calc percentage nPrem = Math.max(percentcalc(nAmt,gaMatrix[i][gnCol_rate]),nMinprem) } //alert("Basic " + nAmt + " Rate = " + gaMatrix[i][gnCol_rate] + " Minprem = " + nMinprem) // alert("nprem = " + nPrem) return nPrem } //eofct: getFlatRatePercent() function PremDisc(cRegion, cCode, nNew, nPrior, nYears, nMinprem) { /* Calculate Premium Discount for Reissue/Refinance created ROD 03/08/01 */ var nPercent = 100.00 var nPrem var i = aSeek(cRegion, cCode) while (i > -1 && cRegion + cCode == gaMatrix[i][gnCol_region] + gaMatrix[i][gnCol_code].substring(0, cCode.length) ) { if (nYears >= gaMatrix[i][gnCol_minlimit] && nYears <= gaMatrix[i][gnCol_maxlimit]) { nPercent = gaMatrix[i][gnCol_rate] break } else { i++ } } if (nPrior != 0 && nPrior <= nNew) { nPrem = (nNew - nPrior) + percentcalc(nPrior, nPercent) } else { nPrem = percentcalc(nNew, nPercent) } // alert("New = " + nNew + " nPrior = " + nPrior + " nPercent = " + nPercent + " nYears = " + nYears) return Math.max(nPrem, nMinprem) } // eofct: PremDisc() function CommDisc(cRegion,cDiscCode,nCoverage,nNew,nMinprem,cOwnCode) { /* Calculate Commercial Premium Discount for Reissue/Refinance (MIC only); ROD created 06/24/02 */ var nPrem, nRemain, nAmount, nDisc, nPercent, bFirstpass nDisc = 0 nRemain = nNew bFirstPass = false var i = aSeek(cRegion, cDiscCode) while (i > -1 && cRegion + cDiscCode == gaMatrix[i][gnCol_region] + gaMatrix[i][gnCol_code].substring(0, cDiscCode.length) ) { nPercent = gaMatrix[i][gnCol_rate] if (!bFirstPass) { // calc basic rate on coverage up to maxlimit nAmount = PremCalc(cRegion, cOwnCode, Math.min(nCoverage, gaMatrix[i][gnCol_maxlimit]), nMinprem) bFirstPass = true nRemain -= nAmount // alert("nAmount = " + nAmount + " nPercent = " + nPercent) // calc % of first portion of basic rate nDisc = percentcalc(nAmount, nPercent) // alert("first pass commdisc = " + nDisc) } else { // calc % on remaining portion of basic rate nDisc += percentcalc(nRemain, nPercent) //alert("subsequent pass commdisc = " + nDisc) break } i++ } // end while nPrem = nDisc return nPrem } // eofct: CommDisc() function SpecDisc(cRegion,cDiscCode,nCoverage,nNew,nYears,nMinprem,cLvlCode) { /* Calculate Discount for Reissue (PAC only); This discount is so unique, it needs its own "special" routine. Uses a graduated coverage level that uses a percentage in the first level (and second level for Refinance), and rate per $k for each successive level! Returns discounted premium amount 07/10/02 ROD created */ // alert("Parameters: " + cRegion + " " + cDiscCode + " " + nCoverage + " " + nNew + " " + nYears + " " + cLvlCode) var nAmount, nBase, nRate var nApplied = 0 var nDisc = 0 var nRemain = nCoverage var nCount = 1 // needed for refinance passes var bFirstPass = true var bApply = false var i = aSeek(cRegion, cDiscCode) // alert("years = " + nYears) // alert("i = " + i) while (i > -1 && cRegion + cDiscCode == gaMatrix[i][gnCol_region] + gaMatrix[i][gnCol_code].substring(0, cDiscCode.length) && nRemain > 0) { /* Examine the age of prior policy during the first pass. Also note usage of fractional years! */ if (bFirstPass && cDiscCode == "REI" && nYears > gaMatrix[i][gnCol_additional]) { // age of prior policy exceeds threshold window - no reissue discount given nDisc = nNew break } else if (bFirstPass && cDiscCode == "REF" && nCount == 1) { /* The first Refinance level, determined by age of prior policy, applies an additional percentage rate discount to the discounted premium. We'll init those needed values here. */ if (nYears <= gaMatrix[i][gnCol_maxlimit]) { nRate = gaMatrix[i][gnCol_rate] bApply = true } else { /* 10/21/02 ROD add this else branch to break out; didn't have in legacy UW */ // age doesn't qualify for discount so bust out nDisc = nNew break } // advance to next level, incrementing counter but holding on to firstpass flag nCount ++ i++ continue } // alert("nRate = " + nRate) // determine coverage basis for calc nAmount = Math.min(gaMatrix[i][gnCol_maxlimit] - nApplied, nCoverage - nApplied) // alert("nAmount = " + nAmount) if (bFirstPass) { if (nCoverage > gaMatrix[i][gnCol_maxlimit]) { // calc regular rate with max coverage threshold nBase = PremCalc(cRegion, cLvlCode, nAmount, nMinprem) // alert("upper nBase = " + nBase) } else { // use the existing premium rate nBase = nNew // alert("lower nBase = " + nBase) } // first level - use percentage of premium subject to max coverage level nDisc += percentcalc(nBase, gaMatrix[i][gnCol_rate]) bFirstPass = false } else { // successive passes - use rate per $k on remaining portion nDisc += extcalc(nAmount, gaMatrix[i][gnCol_rate] * .001) } nApplied += nAmount nRemain -= nAmount i++ } // end while if (bApply) { // apply another Refinance discount if applic. nDisc = percentcalc(nDisc, nRate) } return Math.max(nDisc, nMinprem) } // eofct: SpecDisc() function ExcessCalc(cRegion, cCode, nOwnercvg, nLendercvg, nPriorcvg, lOwnerCalc, lNoOwnerPrior, lFullstep, nPriorExcess) { /* Step-thru of rate matrix(ices) based upon supplied region and code, and return calculated entity premium. Pretty difficult to understand and implement. Basically, have to step in and out of of mulitple rate matrices within a single coverage amount. In some cases, we want a full step-thru of the matrix with a calculated excess, and in others we want a partial step-thru using the full coverage, excess portion, and rate per K of the final matrix bracket only. Took me a week to write! Specific usage for New Jersey Refinance created ROD 10/24/02 */ var cCode var nRemain var nCalc var nDiscExcess = 0 var nRegExcess = 0 var nExcess var nAmt = 0.00 var nPrem = 0.00 var nApplied = 0.00 var nRate = 0.00 if (!lOwnerCalc) { // lender side calc // init total excess nExcess = Math.max(nLendercvg - nOwnercvg,0) if (lNoOwnerPrior) { // without owner prior, full excess at discount level nDiscExcess = nExcess } else { if (nPriorExcess != 0) { // unique need...diff between prior cvgs (O_prior less M_prior) nDiscExcess = nPriorExcess } else { // init excess portion at discount rate nDiscExcess = Math.max(nPriorcvg - nOwnercvg, 0) } // determine excess portion at reg rate if (nDiscExcess > 0) { nRegExcess = Math.max(nLendercvg - nPriorcvg,0) } else { nRegExcess = Math.max(nLendercvg - nOwnercvg,0) } } // alert("nDiscExcess = " + nDiscExcess + gs_crlf + "nRegExcess = " + nRegExcess) } else { // owner side calc if (nOwnercvg > nPriorcvg) { // portions at discount and regular nDiscExcess = nPriorcvg nRegExcess = nOwnercvg - nPriorcvg // this value allows entry into the conditions that follow nExcess = 1 } else { // discount full owner cvg using reissue matrix nPrem = PremCalc(cRegion, cCode, nOwnercvg, 0) // this value prevents entry into the conditions that follow nExcess = 0 // alert("nPrem = " + nPrem) } } if (nExcess > 0 && nDiscExcess > 0) { // calc excess at refi rate nCalc = 0 nRemain = nPriorcvg var i = aSeek(cRegion, cCode) // find the 1st discount matrix method element // step thru the rate matrix levels TO OBTAIN THE APPLICABLE RATE ONLY while (i > -1 && i < gaMatrix.length && nRemain > 0.00 && cRegion + cCode == gaMatrix[i][gnCol_region] + gaMatrix[i][gnCol_code].substring(0, cCode.length) ) { // all other calcs use rate per $k nAmt = Math.min( gaMatrix[i][gnCol_maxlimit] - nApplied, nPriorcvg - nApplied ) // save off the last rate per k nRate = gaMatrix[i][gnCol_rate] if (lFullstep) { // calc an amount at each level nCalc += extcalc(nAmt, nRate * .001) } // update cvg accumulators nApplied += nAmt nRemain -= nAmt i++ } if (!lFullstep) { // calc excess cvg against applic rate level nCalc = extcalc(nDiscExcess, nRate * .001) } nPrem += nCalc // debugLog("DiscExcess = " + nDiscExcess + gs_crlf + "nRate = " + nRate + gs_crlf + "Premium = " + nCalc) } if (nExcess > 0 && nRegExcess > 0) { // calc excess at regular rate nRemain = (lOwnerCalc) ? nOwnercvg : nLendercvg // debugLog("(lOwnerCalc) ? nOwnercvg : nLendercvg . lOwnerCalc="+lOwnerCalc+" nOwnercvg="+nOwnercvg+" nLendercvg="+nLendercvg) // debugLog("nRemain="+nRemain) nApplied = 0 // reset cCode = "MOL" var i = aSeek(cRegion, cCode) // find the 1st regular matrix method element // step thru the rate matrix levels TO OBTAIN THE APPLICABLE RATE ONLY while (i > -1 && i < gaMatrix.length && nRemain > 0.00 && cRegion + cCode == gaMatrix[i][gnCol_region] + gaMatrix[i][gnCol_code].substring(0, cCode.length) ) { // all other calcs use rate per $k nAmt = Math.min( gaMatrix[i][gnCol_maxlimit] - nApplied, nLendercvg - nApplied ) // save off the last rate per k nRate = gaMatrix[i][gnCol_rate] // update cvg accumulators nApplied += nAmt nRemain -= nAmt // debugLog('i='+i+" Max="+gaMatrix[i][gnCol_maxlimit]+" nRemain="+nRemain+" nRate="+nRate+" nAmt="+nAmt+" nApplied="+nApplied+" nRemain="+nRemain) i++ } // calc excess cvg against applic rate level nCalc = extcalc(nRegExcess, nRate * .001) nPrem += nCalc // debugLog("nRegExcess = " + nRegExcess + gs_crlf + "nRate = " + nRate + gs_crlf + "Premium = " + nCalc) } return nPrem } // eofct: ExcessCalc() function GetSimulfee(cRegion, nOwnercvg, nLendercvg) { /* Retrieve any simul issue fee, if applic. created ROD 05/01/01 */ var nSimulfee = 0 var x if (nOwnercvg > 0 && nLendercvg > 0) { x = aSeek(cRegion, "SIOM") // find the simul fee element if (x > -1) { // got one nSimulfee = gaMatrix[x][gnCol_rate] } } return nSimulfee } // eofct: GetSimulfee() function GetCommitmentfee(cRegion, nCvg) { /* Retrieve any commitment fee, if applic. Invoke only for rate methods that automatially assess this charge created ROD 05/01/01 */ var nCommfee = 0 var x if (nCvg > 0) { x = aSeek(cRegion, "BCOF") // find the binder-commitment fee if (x > -1) { // got one nCommfee = gaMatrix[x][gnCol_rate] } } return nCommfee } // eofct: GetCommitmentfee() function GetAgeCeiling(cRegion) { /* Retrieve any reissue ceiling for prior policy age created ROD 09/25/02 */ var nValue = 0 var x x = aSeek(cRegion, "CEIL") // find the ceiling element if (x > -1) { // got one nValue = gaMatrix[x][gnCol_rate] } return nValue } // eofct: GetAgeCeiling() ////////////////////////////////////////////////////////// // form, data and properties management functions below // ////////////////////////////////////////////////////////// function format (expr, decplaces) { /* embed decimal and comma(s) within numeric string created by DRH; modified by ROD for embedded comma support */ var i var xstr var aseg = new Array() var newstr var str // convert expression to numeric; eliminates occassional error in formating expr = expr * 1 str = "" + Math.round(eval(expr) * Math.pow(10,decplaces)) while(str.length <= decplaces) { str = "0" + str } var decpoint = str.length - decplaces // return str.substring(0,decpoint) + "." + str.substring(decpoint, str.length); // embed comma(s) within the string; borrowed from GCC e-flite xstr = str.substring(0,decpoint) // determine how many comma segments there are i = Math.ceil(xstr.length / 3) - 1 while (xstr.length > 0) { // place each segment into array element aseg[i] = xstr.substring(xstr.length - 3, xstr.length) xstr = xstr.substring(0, xstr.length - 3) i-- } // join each array element with a comma and concatenate with decimal portion newstr = (aseg.join(",") + "." + str.substring(decpoint, str.length)) if (gbNav4) { newstr = padl(newstr,14) } return newstr } // eofct: format() function setOption(index) { /* dynamically populate the rate method list box based upon region selection created 03/13/01 ROD */ var i var x var cRegion // (re)init global document form name /* use this disabled reference should we have to resort to using layers in NS4: goCalcform = !gbNav4 ? document.cal : document.calLayer.document.cal */ // reset NS4 focus positioning tool between region selection gnLastIdentFocus = -1 // reset method text and values for (i=0; i < goCalcform.method.length ; i++ ) { goCalcform.method.options[i].text = "" goCalcform.method.options[i].value = "" } cRegion = goCalcform.region.options[index].value cMethod = goCalcform.method.options[goCalcform.method.selectedIndex].value //alert(cRegion); // set coverage field prompts setfields(cRegion,cMethod) /* resize the method listbox length using the region method count; note: NS4 lets you shorten the length, but doesn't allow increase above orginal number of option tags established. Strange... IE resizes length and width */ goCalcform.method.options.length = getRegionMethodCount(cRegion) // find the first element of the region in options array x = aOptSeek(cRegion) // step-thru options array for that region; contruct option text and values i = 0 while (x > -1 && x < gaOption.length && gaOption[x][gnCol_opt_region] == cRegion) { goCalcform.method.options[i].text = gaOption[x][gnCol_opt_text] goCalcform.method.options[i].value = gaOption[x][gnCol_opt_value] x++ i++ } // set default selection goCalcform.method.selectedIndex = 0 // reset entry field selections goCalcform.premium.value = "" // goCalcform.priorcvg.value = "" // goCalcform.years.value = "" goCalcform.priordate.value = "" if (!goCalcform.coverage.disabled) { goCalcform.coverage.value = "" } if (!goCalcform.ownercvg.disabled) { goCalcform.ownercvg.value = "" } if (!goCalcform.lendercvg.disabled) { goCalcform.lendercvg.value = "" } if (!goCalcform.search.disabled) { goCalcform.search.value = "" } if (!goCalcform.allincl.disabled) { goCalcform.allincl.value = "" } if (!goCalcform.ownprem.disabled) { goCalcform.ownprem.value = "" } if (!goCalcform.mtgprem.disabled) { goCalcform.mtgprem.value = "" } if (!goCalcform.priorcvg.disabled) { goCalcform.priorcvg.value = "" } // these two distinct prior cvgs for NJ Refi if (!goCalcform.opriorcvg.disabled) { goCalcform.opriorcvg.value = "" } if (!goCalcform.mpriorcvg.disabled) { goCalcform.mpriorcvg.value = "" } } // eofct: setoption() function getRegionMethodCount(cRegion) { /* Get the number of methods for a given region created ROD 03/13/01 */ var nCount = 0 // find the first element of the region in options array var x = aOptSeek(cRegion) // step-thru options array for that region while (x > -1 && x < gaOption.length && gaOption[x][gnCol_opt_region] == cRegion) { x++ nCount++ } return nCount } // eofct: getRegionMethodCount() function setRegionValues() { /* Determine max region methods count and max description width from options array; Discovered I don't actually need seeded values for gnMaxRegionCount, gnMaxRegionWidth, but keeping the code in place in case needed. Resizing of method listbox without these values takes place within setoption(). If needed, place within window_onload(), preceding setoption(). Created 03/14/01 ROD */ gnMaxRegionCount = 1 gnMaxRegionWidth = 0 var i = 0 var cRegion var nCount = 0 cRegion = gaOption[0][gnCol_opt_region] for (i=0; i < gaOption.length ; i++ ) { if (cRegion == gaOption[i][gnCol_opt_region]) { nCount++ } else { gnMaxRegionCount = Math.max(gnMaxRegionCount, nCount) nCount = 1 cRegion = gaOption[i][gnCol_opt_region] } // init global values for dynamic method listbox gnMaxRegionCount = Math.max(gnMaxRegionCount, nCount) gnMaxRegionWidth = Math.max(gnMaxRegionWidth, gaOption[i][gnCol_opt_text].length) } // set method listbox length to max region methods in gaOptions array (IE only) goCalcform.method.options.length = gnMaxRegionCount } // eofct: setRegionValues() function setfields(cRegion,cMethod) { /* set varying coverage fields based upon region; either a shared coverage field or separate owner and mortgagee coverage fields created 03/16/01 ROD */ var sharedDisplay var sharedDisable var dualDisplay var dualDisable var searchDisplay var searchDisable var opremDisplay var opremDisable var mpremDisplay var mpremDisable // shared prior cvg elements var priorDisable var priorDisplay // distinct prior cvgs for NJ refi var opriorDisable var opriorDisplay var mpriorDisable var mpriorDisplay // set search fee attributes based upon selected region if (cRegion == "TND" || cRegion == "TNK" || cRegion == "TNS" || cRegion == "TNH") { searchDisplay = "" searchDisable = false } else { searchDisplay = "none" searchDisable = true } // set coverage prompt attributes if (cRegion == "NC") { // init values to enabled shared coverage; disable dual coverage prompts sharedDisplay = "" dualDisplay = "none" sharedDisable = false dualDisable = true // disable breakdown opremDisplay = "none" opremDisable = true mpremDisplay = "none" mpremDisable = true } else { // init values to disable shared coverage; enable dual coverage prompts sharedDisplay = "none" dualDisplay = "" sharedDisable = true dualDisable = false // enable premium breakdown by entity opremDisplay = "" opremDisable = false mpremDisplay = "" mpremDisable = false } // set distinct entity prior cvg attributes on region if (cRegion == "NJ") { // enable distinct prior cvg elements; disable shared prior cvg element opriorDisplay = "" mpriorDisplay = "" priorDisplay = "none" opriorDisable = false mpriorDisable = false priorDisable = true document.getElementById('priordaterow').style.display='none' document.getElementById('discountrow').style.display='none' } else { // disable distinct prior cvg elements; enable shared prior cvg elements opriorDisplay = "none" mpriorDisplay = "none" priorDisplay = "" opriorDisable = true mpriorDisable = true priorDisable = false document.getElementById('priordaterow').style.display='' document.getElementById('discountrow').style.display='' } /* // owner and mortgagee premium breakdown if (cRegion == "MI1" || cRegion == "MI2" || cRegion == "MIK" || cRegion == "MI1x" || cRegion == "MI2x" || cRegion == "MIKx" || cRegion == "MI1m" || cRegion == "MI2m" || cRegion == "MIKm" || cRegion == "MIC") { // enable breakdown opremDisplay = "block" opremDisable = false mpremDisplay = "block" mpremDisable = false } else { // disable breakdown opremDisplay = "none" opremDisable = true mpremDisplay = "none" mpremDisable = true } */ // set the visiblity attributes; if (!gbNav4) { // IE specific document.getElementById('cvgtext').style.display=sharedDisplay document.getElementById('cvgdata').style.display=sharedDisplay document.getElementById('cvg').disabled=sharedDisable document.getElementById('ownertext').style.display=dualDisplay document.getElementById('ownerdata').style.display=dualDisplay document.getElementById('ownercvg').disabled=dualDisable document.getElementById('lendertext').style.display=dualDisplay document.getElementById('lenderdata').style.display=dualDisplay document.getElementById('lendercvg').disabled=dualDisable document.getElementById('cvg').style.textAlign="right" document.getElementById('ownercvg').style.textAlign="right" document.getElementById('lendercvg').style.textAlign="right" document.getElementById('priorcvg').style.textAlign="right" // document.getElementById('years').style.textAlign="right" document.getElementById('premium').style.textAlign="right" document.getElementById('searchtext').style.display=searchDisplay document.getElementById('searchdata').style.display=searchDisplay document.getElementById('search').disabled=searchDisable document.getElementById('search').style.textAlign="right" document.getElementById('allincltext').style.display=searchDisplay document.getElementById('allincldata').style.display=searchDisplay document.getElementById('allincl').disabled=searchDisable document.getElementById('allincl').style.textAlign="right" document.getElementById('ownpremtext').style.display=opremDisplay document.getElementById('ownpremdata').style.display=opremDisplay document.getElementById('ownprem').disabled=opremDisable document.getElementById('ownprem').style.textAlign="right" document.getElementById('mtgpremtext').style.display=mpremDisplay document.getElementById('mtgpremdata').style.display=mpremDisplay document.getElementById('mtgprem').disabled=mpremDisable document.getElementById('mtgprem').style.textAlign="right" // shared prior cvg document.getElementById('priorcvgtext').style.display=priorDisplay //document.getElementById('priorcvg').style.display=priorDisplay document.getElementById('priorcvgdata').style.display=priorDisplay document.getElementById('priorcvg').disabled=priorDisable document.getElementById('priorcvg').style.textAlign="right" // owner prior cvg document.getElementById('opriorcvgtext').style.display=opriorDisplay //document.getElementById('opriorcvg').style.display=opriorDisplay document.getElementById('opriorcvgdata').style.display=opriorDisplay document.getElementById('opriorcvg').disabled=opriorDisable document.getElementById('opriorcvg').style.textAlign="right" // mtg prior cvg document.getElementById('mpriorcvgtext').style.display=mpriorDisplay //document.getElementById('mpriorcvg').style.display=mpriorDisplay document.getElementById('mpriorcvgdata').style.display=mpriorDisplay document.getElementById('mpriorcvg').disabled=mpriorDisable document.getElementById('mpriorcvg').style.textAlign="right" } else { // NS4 specific for (i=0; i < goCalcform.elements.length ; i++ ) { // toggle disabled property for each coverage field for later examination // note: be sure to omit field validation on disabled fields if (goCalcform.elements[i].name == "coverage") { goCalcform.coverage.disabled = sharedDisable goCalcform.coverage.value = sharedDisable ? "N/A" : "" } if (goCalcform.elements[i].name == "ownercvg") { goCalcform.ownercvg.disabled = dualDisable goCalcform.ownercvg.value = dualDisable ? "N/A" : "" } if (goCalcform.elements[i].name == "lendercvg") { goCalcform.lendercvg.disabled = dualDisable goCalcform.lendercvg.value = dualDisable ? "N/A" : "" } if (goCalcform.elements[i].name == "search") { goCalcform.search.disabled = searchDisable goCalcform.search.value = searchDisable ? "N/A" : "" } if (goCalcform.elements[i].name == "allincl") { goCalcform.allincl.disabled = searchDisable goCalcform.allincl.value = searchDisable ? "N/A" : "" } if (goCalcform.elements[i].name == "ownprem") { goCalcform.ownprem.disabled = opremDisable goCalcform.ownprem.value = opremDisable ? "N/A" : "" } if (goCalcform.elements[i].name == "mtgprem") { goCalcform.mtgprem.disabled = mpremDisable goCalcform.mtgprem.value = mpremDisable ? "N/A" : "" } if (goCalcform.elements[i].name == "priorcvg") { goCalcform.priorcvg.disabled = priorDisable goCalcform.priorcvg.value = priorDisable ? "N/A" : "" } if (goCalcform.elements[i].name == "opriorcvg") { goCalcform.opriorcvg.disabled = opriorDisable goCalcform.opriorcvg.value = opriorDisable ? "N/A" : "" } if (goCalcform.elements[i].name == "mpriorcvg") { goCalcform.mpriorcvg.disabled = mpriorDisable goCalcform.mpriorcvg.value = mpriorDisable ? "N/A" : "" } // assign a sequential identifer to form element goCalcform.elements[i].ident = i } } // endif if (cRegion == "NJ") calc(); } // eofct: setfields() function checkEnabled(bdisabled, cname) { /* Check the enabled status of various coverage fields; NS4 only kludge for disabling non-applic. form fields and shifting focus to next/previous applic form element. created 03/23/01 ROD */ if (gbNav4 && bdisabled) { setTimeout( "goCalcform." + cname + ".blur()",1) /* Note: gnLastIdentFocus is used to determine directional movement by user when using Tab/Shift-Tab for navigation Don't worry about whether or not a control is disabled. Just move to it and and set the next/previous to element that naturally occurs. */ if (cname == "coverage") { if (gnLastIdentFocus < goCalcform.coverage.ident) { goCalcform.ownercvg.focus() // move focus to next form element } else { goCalcform.method.focus() // move focus to previous form element } } if (cname == "ownercvg") { if (gnLastIdentFocus < goCalcform.ownercvg.ident) { goCalcform.lendercvg.focus() // move focus to next form element } else { goCalcform.coverage.focus() // move focus to previous form element } } if (cname == "lendercvg") { if (gnLastIdentFocus < goCalcform.lendercvg.ident) { goCalcform.priorcvg.focus() // move focus to next form element } else { goCalcform.ownercvg.focus() // move focus to previous form element } } if (cname == "priorcvg") { if (gnLastIdentFocus < goCalcform.priorcvg.ident) { goCalcform.opriorcvg.focus() // move focus to next form element } else { goCalcform.lendercvg.focus() // move focus to previous form element } } if (cname == "search") { if (gnLastIdentFocus < goCalcform.search.ident) { goCalcform.ownprem.focus() // move focus to next form element } else { goCalcform.priordate.focus() // move focus to previous form element } } if (cname == "allincl") { if (gnLastIdentFocus < goCalcform.allincl.ident) { goCalcform.calcbutton.focus() // move focus to next form element } else { goCalcform.premium.focus() // move focus to previous form element } } if (cname == "ownprem") { if (gnLastIdentFocus < goCalcform.ownprem.ident) { goCalcform.premium.focus() // move focus to next form element } else { goCalcform.priordate.focus() // move focus to previous form element } } if (cname == "mtgprem") { if (gnLastIdentFocus < goCalcform.mtgprem.ident) { goCalcform.premium.focus() // move focus to next form element } else { goCalcform.priordate.focus() // move focus to previous form element } } if (cname == "opriorcvg") { if (gnLastIdentFocus < goCalcform.opriorcvg.ident) { goCalcform.mpriorcvg.focus() // move focus to next form element } else { goCalcform.priorcvg.focus() // move focus to previous form element } } if (cname == "mpriorcvg") { if (gnLastIdentFocus < goCalcform.mpriorcvg.ident) { goCalcform.priordate.focus() // move focus to next form element } else { goCalcform.opriorcvg.focus() // move focus to previous form element } } } } // eofct: checkEnabled() function setIdent(cname) { /* init ident property into global positioning var for examination within checkEnabled() created 03/23/01 ROD */ gnLastIdentFocus = eval("goCalcform." + cname + ".ident") } // eofct: setIdent() function formReset() { /* Reset form entries created 03/29/01 ROD */ if (!gbNav4) { goCalcform.reset() } else { /* manually reset in NS4; for whatever reason setoption() has no effect when after invoking goCalcform.reset() within this function. */ var i for (i = 0; i < goCalcform.elements.length ; i++ ) { /******** if (goCalcform.elements[i].name == "years") { goCalcform.years.value = "0" } ******* */ if (goCalcform.elements[i].name == "priordate") { goCalcform.priordate.value = "" } if (goCalcform.elements[i].name == "coverage") { goCalcform.coverage.value = "0.00" } if (goCalcform.elements[i].name == "ownercvg") { goCalcform.ownercvg.value = "0.00" } if (goCalcform.elements[i].name == "lendercvg") { goCalcform.lendercvg.value = "0.00" } if (goCalcform.elements[i].name == "priorcvg") { goCalcform.priorcvg.value = "0.00" } if (goCalcform.elements[i].name == "premium") { goCalcform.premium.value = "0.00" } if (goCalcform.elements[i].name == "search") { goCalcform.search.value = "0.00" } if (goCalcform.elements[i].name == "allincl") { goCalcform.allincl.value = "0.00" } if (goCalcform.elements[i].name == "region") { goCalcform.region.selectedIndex = 0 } if (goCalcform.elements[i].name == "method") { goCalcform.method.selectedIndex = 0 } if (goCalcform.elements[i].name == "ownprem") { goCalcform.ownprem.value = "0.00" } if (goCalcform.elements[i].name == "mtgprem") { goCalcform.mtgprem.value = "0.00" } if (goCalcform.elements[i].name == "opriorcvg") { goCalcform.opriorcvg.value = "0.00" } if (goCalcform.elements[i].name == "mpriorcvg") { goCalcform.mpriorcvg.value = "0.00" } } } // rebuild option list and fields setOption(goCalcform.region.selectedIndex) } // eofct: formReset() function padl(number, length) { /* format a numeric form entry for left-padded right-alignment; NS4 kludge created 04/05/01 ROD */ var str = '' + number while (str.length < length) { str = ' ' + str } return str } // eofct: padl() function StrToNum(uValue) { /* Examines and converts string value to numeric; used for coverage amounts created 04/05/01 ROD */ var nValue if (uValue != 0) { while (uValue.indexOf(",") != -1) { uValue = uValue.replace(",", "") } uValue = uValue * 1 } if (uValue == "") { uValue = 0 } nValue = uValue return nValue } // eofct: StrToNum() function verifyDate(sDate) { /* validate a date string returns boolean: True for validated; False for invalidated ROD created 06/13/02: from GCC's eflite script */ var date1 = ""; var date2 = ""; var month1 = ""; var month2 = ""; var year2 = ""; var year1 = ""; var sString1; var sString2; var slash = "/"; sNewDate = ""; if (sDate == "") return true; sString = sDate; var pos = sString.indexOf(slash); if (pos >= 0) { month1 = sString.substring(0,pos); sString = sString.substring(pos + 1, sString.length); //alert("pos = " + pos + crlf + "month = " + month + crlf + "sString = " + sString); pos = sString.indexOf(slash); if (pos >= 0) { date1 = sString.substring(0,pos); year1 = sString.substring(pos + 1, sString.length); //alert("pos = " + pos + crlf + "day = " + day + crlf + "year = " + year); } } if ((month1 > 0) && (month1 < 13) && (date1 > 0) && (date1 < 32) && (year1 > 1700) && (year1 < 2200)) { var newDateObj = new Date(); var d, s = "Today's date is: "; d = new Date(); d.setFullYear(year1); //SET DATE TO ONE BEFORE SETTING MONTH TO AVOID INVALID DATE ERROR! d.setDate(1); d.setMonth(month1-1); d.setDate(date1); //newDateObj.setFullYear(year1); //newDateObj.setMonth(month1 - 1); //newDateObj.setDate(date1); if (date1.length == 1) date1 = "0" + date1; if (month1.length == 1) month1 = "0" + month1; sString1 = month1 + "/" + date1 + "/" + year1 //alert("sString1=" + sString1); date2 = (d.getDate()) + "/"; //alert("date2=" + date2); //day2 = getDate(); month2 = (d.getMonth() + 1) + "/"; //alert("month2=" + month2); //month2 = getMonth(); s += (d.getMonth() + 1) + "/"; s += d.getDate() + "/"; s += d.getYear(); //alert(s); if (date2.length == 2) date2 = "0" + date2; if (month2.length == 2) month2 = "0" + month2; sString2 = month2 + date2 + d.getFullYear(); //alert("sString2=" + sString2); if (sString1 == sString2) { sNewDate = sString1; return true; } else return false; } else return false; } // eofct: verifyDate() function getAge(dateString,dateType) { /* ROD 06/13/02 created Public domain code obtained from http://developer.irt.org/script/29.htm Added Y2k() support throughout when using .getyear() Modified to return three element array...Years, months, days author's comments follow: dateString is a date passed as a string in the following formats: type 1 : 19970529 type 2 : 970529 type 3 : 29/05/1997 type 4 : 29/05/97 type 5 : mm/dd/yyyy // ROD addition: type 5 dateType is a numeric integer from 1 to 4, representing the type of dateString passed, as defined above. */ var now = new Date(); var today = new Date(y2k(now.getYear()),now.getMonth(),now.getDate()); var yearNow = y2k(now.getYear()); var monthNow = now.getMonth(); var dateNow = now.getDate(); var sAge var aAge var i if (dateType == 1) var dob = new Date(dateString.substring(0,4), dateString.substring(4,6)-1, dateString.substring(6,8)); else if (dateType == 2) var dob = new Date(dateString.substring(0,2), dateString.substring(2,4)-1, dateString.substring(4,6)); else if (dateType == 3) var dob = new Date(dateString.substring(6,10), dateString.substring(3,5)-1, dateString.substring(0,2)); else if (dateType == 4) var dob = new Date(dateString.substring(6,8), dateString.substring(3,5)-1, dateString.substring(0,2)); else if (dateType == 5) // ROD addition - type 5 var dob = new Date(dateString.substring(6,10), dateString.substring(0,2)-1, dateString.substring(3,5)); else { // ROD make sure we return an array // return ''; return new Array(0,0,0) } var yearDob = y2k(dob.getYear()); var monthDob = dob.getMonth(); var dateDob = dob.getDate(); yearAge = yearNow - yearDob; if (monthNow >= monthDob) var monthAge = monthNow - monthDob; else { yearAge--; var monthAge = 12 + monthNow -monthDob; } if (dateNow >= dateDob) var dateAge = dateNow - dateDob; else { monthAge--; var dateAge = 31 + dateNow - dateDob; if (monthAge < 0) { monthAge = 11; yearAge--; } } // ROD changes from here down // make a delimited string sAge = yearAge + '~' + monthAge + '~' + dateAge // convert the delimited string into an array aAge = sAge.split("~"); for (i=0; i < aAge.length ; i++ ) { // convert string to number aAge[i] = StrToNum(aAge[i]) // alert("aAge " + i + " = " + aAge[i]) } return aAge } // eofct: getAge() function y2k(number) { /* Return y2k compliant year 06/13/02 ROD created */ return (number < 1000) ? number + 1900 : number; } // eofct: y2k() function formatDateString(sdate){ /* format and return a date string with embedded slashes when absent example: 01012001 returns as 01/01/2001; 01-01-2001 returns as 01/01/2001 06/27/02 ROD created */ var slash = "/" // replace any hypen with backslash while (sdate.indexOf("-") != -1) { sdate = sdate.replace("-", "/") } /* if (sdate.substring(5,6) == slash && sdate.length == 8 ) { sdate = sdate.substring(0,6) + "20" + sdate.substring(6,8) } */ // scan for slash var pos = sdate.indexOf(slash); if (pos < 0 && sdate.length == 8) { // embed slashes in string sdate = sdate.substring(0,2) + slash + sdate.substring(2,4) + slash + sdate.substring(4,8) } // alert("formated date = " + sdate) return sdate } // eofct: formatDateString() function clearLog(){ document.getElementById('debugtxt').innerHTML="" } function debugLog(stringss){ document.getElementById('debugtxt').innerHTML=document.getElementById('debugtxt').innerHTML+stringss+"
"; } // eof: RateCalc.js