{"text_format":"1","workbook":"xlsx","n_sheets":13,"sheets":["Calculator Parameters","MLA","Calculation","Calc2","Calc3","Calc4","Version","NSR Calculator","DTI Calculation","DTI2","DTI3","DTI4","DTI Report"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":1,"comments":6,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Calculator Parameters","index":0,"n_rows":59,"n_cols":33,"rows_kept":59,"cut":false,"hidden":true,"merged":[[35,1,35,2],[40,1,40,2],[26,1,26,2],[25,1,25,3],[7,1,7,3]]}
[]
[null,"Calculator parameters"]
[]
[null,"In this sheet some of the main loan policy related parameters are summarised. Changing any of these cells could have a significant impact on calculated lending capacity. "]
[null,"Changes can only be made by person with appropriate authority. Please make sure you have the authority to make any changes before you do so."]
[]
[null,null,null,null,"Old","New","Changed Date"]
[null,"Income Source Weighting",null,null,null,null,"2023-01-01"]
[null,"Source","Weight","DTI Weight"]
[null,"Salary or Wages",1,{"$f":"C10","v":1}]
[null,"Overtime ",0.8,{"$f":"C11","v":0.8}]
[null,"Bonus",0.7,0.7]
[null,"Allowance",0.8,0.8]
[null,"Commission",0.75,0.75]
[null,"Business Income",1,1]
[null,"Beneficiary",1,1]
[null,"Rentals",0.75,0.75]
[null,"Investment",0.5,0.5]
[null,"Child Support",0.8,0.8]
[null,"Boarder",0.8,0.8,null,null,null,"Previous values"]
[null,"ACC Earners levy","ACC Levy Rate","Maximum Levy",null,null,null,"2013/14",null,"2014/15",null,"2015/16",null,"2016/17",null,"2017/18",null,"2018/19",null,"2019/20",null,"2020/21",null,"2021/22",null,"2022/23",null,"2023/24",null,"2024/25",null,"2025/26"]
[null,"Wages & Salary",1.67E-2,2551.59,null,null,null,1.7000000000000001E-2,1934.05,1.4500000000000001E-2,1713.76,1.4500000000000001E-2,1741.01,1.3899999999999999E-2,1696.68,1.3899999999999999E-2,1724.33,1.3899999999999999E-2,1755.37,1.3899999999999999E-2,1785.73,1.3899999999999999E-2,1819.66,1.3899999999999999E-2,1819.66,1.46E-2,1993.54,1.5299999999999999E-2,2132.5700000000002,1.6E-2,2276.52,1.67E-2,2551.59]
[null,"Self-employed",{"$f":"C22","v":1.67E-2},{"$f":"D22","v":2551.59},null,null,null,1.7000000000000001E-2,1898.37,1.4500000000000001E-2,1683.29,1.4500000000000001E-2,1713.76,1.3899999999999999E-2,1668.97,1.3899999999999999E-2,1696.67,1.3899999999999999E-2,1724.33,1.3899999999999999E-2,1785.73,1.3899999999999999E-2,1819.66,1.3899999999999999E-2,1819.66,1.46E-2,1993.54,1.5299999999999999E-2,2132.5700000000002,1.6E-2,2276.52,{"$f":"AF22","v":1.67E-2},{"$f":"AG22","v":2551.59}]
[]
[]
[null,"Income Tax"]
[null,"Income  Bands"]
[null,"Min","Max","Marginal Tax Rate"]
[null,0,15600,0.105]
[null,{"$f":"C29+0.01","v":15600.01},53500,0.17499999999999999]
[null,{"$f":"C30+0.01","v":53500.01},78100,0.3]
[null,78100.009999999995,180000,0.33]
[null,180000.01,null,0.39]
[]
[]
[null,"Student Loan",null,null,null,null,null,"Before 1/4/18","1/4/18","1/4/19","1/4/20","1/4/21","1/4/22","1/4/23","1/4/24","1/4/25"]
[null,"Threshold","Rate",null,null,null,null,"Threshold","Threshold","Threshold","Threshold","Threshold","Threshold","Threshold","Threshold","Threshold"]
[null,24128,0.12,"%",null,null,null,19136,19448,19760,20020,20280,21268,22828,24128,24128]
[]
[]
[null,"Debt Servicing Assumptions"]
[null,"Default NSR",0.97499999999999998]
[null,"Property Investor NSR",0.95]
[]
[null,"Non-Investor DTI",6]
[null,"Investor DTI",7]
[]
[]
[]
[]
[null,"SBS Foundation interest rate",0.04]
[null,"SBS Interest rate buffer",2.5000000000000001E-2]
[]
[]
[null,"KiwiSaver "]
[null,"Deduction"]
[null,0.03]
[null,0.04]
[null,0.08]

{"sheet":"MLA","index":1,"n_rows":108,"n_cols":35,"rows_kept":108,"cut":false,"hidden":true,"merged":[]}
["Inputs"]
[null,{"$f":"Calculation!B9","v":"Adults in household "},null,{"$f":"Calculation!E9","v":0},{"$f":"Calc2!E9","v":0},{"$f":"Calc3!E9","v":0},{"$f":"Calc4!E9","v":0},null,"Only manually update the white areas which do contain decimal places."]
[null,{"$f":"Calculation!B12","v":"Children in household"},null,{"$f":"Calculation!E12","v":0},{"$f":"Calc2!E12","v":0},{"$f":"Calc3!E12","v":0},{"$f":"Calc4!E12","v":0},null,"The light grey show the calculation details."]
[null,{"$f":"Calculation!M135","v":"Total All Applicants - Gross Annual Income"},null,{"$f":"Calculation!Q135","v":0},{"$f":"Calc2!Q135","v":0},{"$f":"Calc3!Q135","v":0},{"$f":"Calc4!Q135","v":0},null,"If the table does not contain decimal places then 3 and 4 adult tables need the formulas to be overwritten with the values. Also change the cells to white to highlight this."]
[null,{"$f":"Calculation!C181","v":"Other Expenses - Monthly"},null,{"$f":"Calculation!J181","v":0},{"$f":"Calc2!J181","v":0},{"$f":"Calc3!J181","v":0},{"$f":"Calc4!J181","v":0}]
["Output"]
[null,"MLA",null,{"$f":"IF(D4=0,0,D10+D5)","v":0},{"$f":"IF(E4=0,0,E10+E5)","v":0},{"$f":"IF(F4=0,0,F10+F5)","v":0},0]
[]
[null,null,null,null,null,"Gross Annual Income selects the row to use in the next table."]
["Genaral Amount for Calculation",null,"Amount",{"$f":"IF(D$4>=$C27,D27,IF(D$4>=$C26,D26,IF(D$4>=$C25,D25,IF(D$4>=$C24,D24,IF(D$4>=$C23,D23,IF(D$4>=$C22,D22,IF(D$4>=$C21,D21,IF(D$4>=$C20,D20,IF(D$4>=$C19,D19,IF(D$4>=$C18,D18,IF(D$4>=$C17,D17,IF(D$4>=$C16,D16,IF(D$4>=$C15,D15,D14)))))))))))))","v":840},{"$f":"IF(E$4>=$C27,E27,IF(E$4>=$C26,E26,IF(E$4>=$C25,E25,IF(E$4>=$C24,E24,IF(E$4>=$C23,E23,IF(E$4>=$C22,E22,IF(E$4>=$C21,E21,IF(E$4>=$C20,E20,IF(E$4>=$C19,E19,IF(E$4>=$C18,E18,IF(E$4>=$C17,E17,IF(E$4>=$C16,E16,IF(E$4>=$C15,E15,E14)))))))))))))","v":840},840,840]
[]
[null,null,null,null,null,"The Dependants selects the column from the next table."]
["General Dependants Table for Calculation",null,"Income","Amount","House2","House3","House4"]
[null,null,0,{"$f":"IF($D$3=0,D31,IF($D$3=1,E31,IF($D$3=2,F31,IF($D$3=3,G31,IF($D$3=4,H31,I31)))))","v":840},{"$f":"IF($E$3=0,L31,IF($E$3=1,M31,IF($E$3=2,N31,IF($E$3=3,O31,IF($E$3=4,P31,Q31)))))","v":840},{"$f":"IF($F$3=0,U31,IF($F$3=1,V31,IF($F$3=2,W31,IF($F$3=3,X31,IF($F$3=4,Y31,Z31)))))","v":840},{"$f":"IF($G$3=0,AD31,IF($G$3=1,AE31,IF($G$3=2,AF31,IF($G$3=3,AG31,IF($G$3=4,AH31,AI31)))))","v":840}]
[null,null,12000,{"$f":"IF($D$3=0,D32,IF($D$3=1,E32,IF($D$3=2,F32,IF($D$3=3,G32,IF($D$3=4,H32,I32)))))","v":1003},{"$f":"IF($E$3=0,L32,IF($E$3=1,M32,IF($E$3=2,N32,IF($E$3=3,O32,IF($E$3=4,P32,Q32)))))","v":1003},{"$f":"IF($F$3=0,U32,IF($F$3=1,V32,IF($F$3=2,W32,IF($F$3=3,X32,IF($F$3=4,Y32,Z32)))))","v":1003},{"$f":"IF($G$3=0,AD32,IF($G$3=1,AE32,IF($G$3=2,AF32,IF($G$3=3,AG32,IF($G$3=4,AH32,AI32)))))","v":1003}]
[null,null,24000,1210,1210,1210,1210]
[null,null,36000,1390,1390,1390,1390]
[null,null,48000,1517,1517,1517,1517]
[null,null,60000,1642,1642,1642,1642]
[null,null,72000,1744,1744,1744,1744]
[null,null,84000,1845,1845,1845,1845]
[null,null,96000,1940,1940,1940,1940]
[null,null,108000,2030,2030,2030,2030]
[null,null,120000,2238,2238,2238,2238]
[null,null,150000,2428,2428,2428,2428]
[null,null,180000,2771,2771,2771,2771]
[null,null,240000,3087,3087,3087,3087,null,null,null,null,"Household 2",null,null,null,null,null,null,null,null,"Household 3",null,null,null,null,null,null,null,null,"Household 4"]
[]
[null,null,null,"Dependants",null,"The Adults selects the table to use.",null,null,null,null,null,"Dependants",null,"The Adults selects the table to use.",null,null,null,null,null,null,"Dependants",null,"The Adults selects the table to use.",null,null,null,null,null,null,"Dependants",null,"The Adults selects the table to use."]
["General Adults Table for Calculation",null,"Income",0,1,2,3,4,5,null,"Income",0,1,2,3,4,5,null,null,"Income",0,1,2,3,4,5,null,null,"Income",0,1,2,3,4,5]
[null,null,0,{"$f":"IF($D$2<2,D47,IF($D$2=2,D63,IF($D$2=3,D79,D95)))","v":840},{"$f":"IF($D$2<2,E47,IF($D$2=2,E63,IF($D$2=3,E79,E95)))","v":899},1037,971,1004,1034,null,0,{"$f":"IF($E$2<2,D47,IF($E$2=2,D63,IF($E$2=3,D79,D95)))","v":840},{"$f":"IF($E$2<2,E47,IF($E$2=2,E63,IF($E$2=3,E79,E95)))","v":899},1037,971,1004,1034,null,null,0,{"$f":"IF($F$2<2,D47,IF($F$2=2,D63,IF($F$2=3,D79,D95)))","v":840},{"$f":"IF($F$2<2,E47,IF($F$2=2,E63,IF($F$2=3,E79,E95)))","v":899},1037,971,1004,1034,null,null,0,{"$f":"IF($G$2<2,D47,IF($G$2=2,D63,IF($G$2=3,D79,D95)))","v":840},{"$f":"IF($G$2<2,E47,IF($G$2=2,E63,IF($G$2=3,E79,E95)))","v":899},1037,971,1004,1034]
[null,null,12000,{"$f":"IF($D$2<2,D48,IF($D$2=2,D64,IF($D$2=3,D80,D96)))","v":1003},1191,1414,1293,1336,1377,null,12000,{"$f":"IF($E$2<2,D48,IF($E$2=2,D64,IF($E$2=3,D80,D96)))","v":1003},{"$f":"IF($E$2<2,E48,IF($E$2=2,E64,IF($E$2=3,E80,E96)))","v":1191},{"$f":"IF($E$2<2,F48,IF($E$2=2,F64,IF($E$2=3,F80,F96)))","v":1414},{"$f":"IF($E$2<2,G48,IF($E$2=2,G64,IF($E$2=3,G80,G96)))","v":1293},{"$f":"IF($E$2<2,H48,IF($E$2=2,H64,IF($E$2=3,H80,H96)))","v":1336},{"$f":"IF($E$2<2,I48,IF($E$2=2,I64,IF($E$2=3,I80,I96)))","v":1377},null,null,12000,{"$f":"IF($F$2<2,D48,IF($F$2=2,D64,IF($F$2=3,D80,D96)))","v":1003},{"$f":"IF($F$2<2,E48,IF($F$2=2,E64,IF($F$2=3,E80,E96)))","v":1191},{"$f":"IF($F$2<2,F48,IF($F$2=2,F64,IF($F$2=3,F80,F96)))","v":1414},{"$f":"IF($F$2<2,G48,IF($F$2=2,G64,IF($F$2=3,G80,G96)))","v":1293},{"$f":"IF($F$2<2,H48,IF($F$2=2,H64,IF($F$2=3,H80,H96)))","v":1336},{"$f":"IF($F$2<2,I48,IF($F$2=2,I64,IF($F$2=3,I80,I96)))","v":1377},null,null,12000,{"$f":"IF($G$2<2,D48,IF($G$2=2,D64,IF($G$2=3,D80,D96)))","v":1003},{"$f":"IF($G$2<2,E48,IF($G$2=2,E64,IF($G$2=3,E80,E96)))","v":1191},{"$f":"IF($G$2<2,F48,IF($G$2=2,F64,IF($G$2=3,F80,F96)))","v":1414},{"$f":"IF($G$2<2,G48,IF($G$2=2,G64,IF($G$2=3,G80,G96)))","v":1293},{"$f":"IF($G$2<2,H48,IF($G$2=2,H64,IF($G$2=3,H80,H96)))","v":1336},{"$f":"IF($G$2<2,I48,IF($G$2=2,I64,IF($G$2=3,I80,I96)))","v":1377}]
[null,null,24000,{"$f":"IF($D$2<2,D49,IF($D$2=2,D65,IF($D$2=3,D81,D97)))","v":1210},1396,1552,1701,1759,1812,null,24000,1210,1396,1552,1701,1759,1812,null,null,24000,1210,1396,1552,1701,1759,1812,null,null,24000,1210,1396,1552,1701,1759,1812]
[null,null,36000,{"$f":"IF($D$2<2,D50,IF($D$2=2,D66,IF($D$2=3,D82,D98)))","v":1390},1574,1714,2018,2087,2149,null,36000,1390,1574,1714,2018,2087,2149,null,null,36000,1390,1574,1714,2018,2087,2149,null,null,36000,1390,1574,1714,2018,2087,2149]
[null,null,48000,{"$f":"IF($D$2<2,D51,IF($D$2=2,D67,IF($D$2=3,D83,D99)))","v":1517},1728,1831,2211,2286,2355,null,48000,1517,1728,1831,2211,2286,2355,null,null,48000,1517,1728,1831,2211,2286,2355,null,null,48000,1517,1728,1831,2211,2286,2355]
[null,null,60000,{"$f":"IF($D$2<2,D52,IF($D$2=2,D68,IF($D$2=3,D84,D100)))","v":1642},1893,1929,2340,2420,2493,null,60000,1642,1893,1929,2340,2420,2493,null,null,60000,1642,1893,1929,2340,2420,2493,null,null,60000,1642,1893,1929,2340,2420,2493]
[null,null,72000,{"$f":"IF($D$2<2,D53,IF($D$2=2,D69,IF($D$2=3,D85,D101)))","v":1744},1986,2002,2455,2538,2615,null,72000,1744,1986,2002,2455,2538,2615,null,null,72000,1744,1986,2002,2455,2538,2615,null,null,72000,1744,1986,2002,2455,2538,2615]
[null,null,84000,{"$f":"IF($D$2<2,D54,IF($D$2=2,D70,IF($D$2=3,D86,D102)))","v":1845},2061,2041,2560,2647,2727,null,84000,1845,2061,2041,2560,2647,2727,null,null,84000,1845,2061,2041,2560,2647,2727,null,null,84000,1845,2061,2041,2560,2647,2727]
[null,null,96000,{"$f":"IF($D$2<2,D55,IF($D$2=2,D71,IF($D$2=3,D87,D103)))","v":1940},2140,2140,2653,2743,2825,null,96000,1940,2140,2140,2653,2743,2825,null,null,96000,1940,2140,2140,2653,2743,2825,null,null,96000,1940,2140,2140,2653,2743,2825]
[null,null,108000,{"$f":"IF($D$2<2,D56,IF($D$2=2,D72,IF($D$2=3,D88,D104)))","v":2030},2231,2240,2707,2799,2883,null,108000,2030,2231,2240,2707,2799,2883,null,null,108000,2030,2231,2240,2707,2799,2883,null,null,108000,2030,2231,2240,2707,2799,2883]
[null,null,120000,{"$f":"IF($D$2<2,D57,IF($D$2=2,D73,IF($D$2=3,D89,D105)))","v":2238},2477,2470,2897,2995,3085,null,120000,2238,2477,2470,2897,2995,3085,null,null,120000,2238,2477,2470,2897,2995,3085,null,null,120000,2238,2477,2470,2897,2995,3085]
[null,null,150000,{"$f":"IF($D$2<2,D58,IF($D$2=2,D74,IF($D$2=3,D90,D106)))","v":2428},2706,2679,3156,3263,3361,null,150000,2428,2706,2679,3156,3263,3361,null,null,150000,2428,2706,2679,3156,3263,3361,null,null,150000,2428,2706,2679,3156,3263,3361]
[null,null,180000,{"$f":"IF($D$2<2,D59,IF($D$2=2,D75,IF($D$2=3,D91,D107)))","v":2771},3109,3021,3602,3724,3836,null,180000,2771,3109,3021,3602,3724,3836,null,null,180000,2771,3109,3021,3602,3724,3836,null,null,180000,2771,3109,3021,3602,3724,3836]
[null,null,240000,{"$f":"IF($D$2<2,D60,IF($D$2=2,D76,IF($D$2=3,D92,D108)))","v":3087},3462,3325,3994,4130,4254,null,240000,3087,3462,3325,3994,4130,4254,null,null,240000,3087,3462,3325,3994,4130,4254,null,null,240000,3087,3462,3325,3994,4130,4254]
[]
[null,"1 Adult",{"$f":"C30","v":"Income"},0,1,2,3,4,5,null,"Income",0,1,2,3,4,5]
[null,null,{"$f":"C31","v":0},{"$f":"ROUND(L47,0)","v":840},{"$f":"ROUND(M47,0)","v":899},1037,971,1004,1034,null,0,840,899,1037,971,1004,1034]
[null,null,12000,{"$f":"ROUND(L48,0)","v":1003},{"$f":"ROUND(M48,0)","v":1191},{"$f":"ROUND(N48,0)","v":1414},{"$f":"ROUND(O48,0)","v":1293},{"$f":"ROUND(P48,0)","v":1336},{"$f":"ROUND(Q48,0)","v":1377},null,12000,1003,1191,1414,1293,1336,1377]
[null,null,24000,1210,1396,1552,1701,1759,1812,null,24000,1210,1396,1552,1701,1759,1812]
[null,null,36000,1390,1574,1714,2018,2087,2149,null,36000,1390,1574,1714,2018,2087,2149]
[null,null,48000,1517,1728,1831,2211,2286,2355,null,48000,1517,1728,1831,2211,2286,2355]
[null,null,60000,1642,1893,1929,2340,2420,2493,null,60000,1642,1893,1929,2340,2420,2493]
[null,null,72000,1744,1986,2002,2455,2538,2615,null,72000,1744,1986,2002,2455,2538,2615]
[null,null,84000,1845,2061,2041,2560,2647,2727,null,84000,1845,2061,2041,2560,2647,2727]
[null,null,96000,1940,2140,2140,2653,2743,2825,null,96000,1940,2140,2140,2653,2743,2825]
[null,null,108000,2030,2231,2240,2707,2799,2883,null,108000,2030,2231,2240,2707,2799,2883]
[null,null,120000,2238,2477,2470,2897,2995,3085,null,120000,2238,2477,2470,2897,2995,3085]
[null,null,150000,2428,2706,2679,3156,3263,3361,null,150000,2428,2706,2679,3156,3263,3361]
[null,null,180000,2771,3109,3021,3602,3724,3836,null,180000,2771,3109,3021,3602,3724,3836]
[null,null,240000,3087,3462,3325,3994,4130,4254,null,240000,3087,3462,3325,3994,4130,4254]
[]
[null,"2 Adults",{"$f":"C46","v":"Income"},0,1,2,3,4,5,null,"Income",0,1,2,3,4,5]
[null,null,{"$f":"C47","v":0},{"$f":"ROUND(L63,0)","v":926},{"$f":"ROUND(M63,0)","v":1162},1192,1220,1246,1271,null,{"$f":"K47","v":0},926.48368101824997,1161.9477216011701,1191.96263662003,1220.01410578122,1246.3806877024999,1271.28332018322]
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[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S31)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KiwiSaver"]
[null,null,"Commission",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G33)","v":"Annual"},{"$f":"'NSR Calculator'!$D$42","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K33)","v":"Annual"},{"$f":"'NSR Calculator'!$I$42","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O33)","v":"Annual"},{"$f":"'NSR Calculator'!$N$42","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S33)","v":"Annual"},{"$f":"'NSR Calculator'!$S$42","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S34)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B57","v":0.03}]
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[null,null,"Investment",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G36)","v":"Annual"},{"$f":"'NSR Calculator'!$D$45","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K36)","v":"Annual"},{"$f":"'NSR Calculator'!$I$45","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O36)","v":"Annual"},{"$f":"'NSR Calculator'!$N$45","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S36)","v":"Annual"},{"$f":"'NSR Calculator'!$S$45","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B59","v":0.08}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S37)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Other"]
[]
[null,null,"Beneficiary",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G39)","v":"Annual"},{"$f":"'NSR Calculator'!$D$48","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K39)","v":"Annual"},{"$f":"'NSR Calculator'!$I$48","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O39)","v":"Annual"},{"$f":"'NSR Calculator'!$N$48","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S39)","v":"Annual"},{"$f":"'NSR Calculator'!$S$48","v":0}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S40)","v":"Gross (Pre tax)"}]
[]
[null,null,"Contract",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G42)","v":"Annual"},{"$f":"'NSR Calculator'!$D$50","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K42)","v":"Annual"},{"$f":"'NSR Calculator'!$I$50","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O42)","v":"Annual"},{"$f":"'NSR Calculator'!$N$50","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S42)","v":"Annual"},{"$f":"'NSR Calculator'!$S$50","v":0}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S43)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC Earners levy",null,null,"ACC Levy Rate",null,"Maximum Levy",null,"Gross Income Threshold",null,"Maximum Tax",null,"After Tax and ACC Levy Income"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Wages &Salary",null,null,{"$f":"'Calculator Parameters'!C22","v":1.67E-2},null,{"$f":"'Calculator Parameters'!D22","v":2551.59},null,{"$f":"AM44/AK44","v":152789.82035928144},null,{"$f":"(AO44-AI54)*AK55+AM54","v":38665.529940119763},null,{"$f":"AO44-AQ44-AM44","v":111572.70041916167}]
[null,null,"Child Support",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G45)","v":"Annual"},{"$f":"'NSR Calculator'!$D$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K45)","v":"Annual"},{"$f":"'NSR Calculator'!$I$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O45)","v":"Annual"},{"$f":"'NSR Calculator'!$N$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S45)","v":"Annual"},{"$f":"'NSR Calculator'!$S$52","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Self-employed",null,null,{"$f":"'Calculator Parameters'!C23","v":1.67E-2},null,{"$f":"'Calculator Parameters'!D23","v":2551.59},null,{"$f":"AM45/AK45","v":152789.82035928144},null,{"$f":"(AO45-AI54)*AK55+AM54","v":38665.529940119763},null,{"$f":"AO45-AQ45-AM45","v":111572.70041916167}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S46)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income Tax"]
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[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
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[null,null,null,null,null,null,"Applicant 1",null,null,null,"Applicant 2",null,null,null,"Applicant 3",null,null,null,"Applicant 4",null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,"Annual Financial A/c addbacks",null,null,null,null,{"$f":"'NSR Calculator'!D66","v":0},null,null,null,{"$f":"'NSR Calculator'!I66","v":0},null,null,null,{"$f":"'NSR Calculator'!N66","v":0},null,null,null,{"$f":"'NSR Calculator'!S66","v":0},null,null,null,{"$f":"SUM(G65:S65)","v":0},null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,"Annual Other Assistance Payments",null,null,null,null,{"$f":"'NSR Calculator'!D68","v":0},null,null,null,{"$f":"'NSR Calculator'!I68","v":0},null,null,null,{"$f":"'NSR Calculator'!N68","v":0},null,null,null,{"$f":"'NSR Calculator'!S68","v":0},null,null,null,{"$f":"SUM(G66:S66)","v":0},null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,"Student Loan Balance",null,null,null,null,{"$f":"'NSR Calculator'!D72","v":0},null,null,null,{"$f":"'NSR Calculator'!I72","v":0},null,null,null,{"$f":"'NSR Calculator'!N72","v":0},null,null,null,{"$f":"'NSR Calculator'!S72","v":0},null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
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[]
[]
[null,"Income (excluding rentals) after tax annual and monthly"]
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[null,null,null,null,null,null,{"$f":"IF(I105<=$AQ$51,I105/(1-$AK$51-$AK$44),IF(I105<=$AQ$52,(I105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(I105<=$AQ$53,(I105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(I105<=$AQ$54,(I105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(I105<=$AS$44,(I105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(I105>$AS$44,(I105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"X105+Y105","v":0},{"$f":"IF(H46=$AH$17,INDEX($AH$9:$AK$13,G45,4)*I45+I103,0)","v":0},null,{"$f":"IF(M105<=$AQ$51,M105/(1-$AK$51-$AK$44),IF(M105<=$AQ$52,(M105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(M105<=$AQ$53,(M105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(M105<=$AQ$54,(M105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(M105<=$AS$44,(M105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(M105>$AS$44,(M105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AD105+AE105","v":0},{"$f":"IF(L46=$AH$17,INDEX($AH$9:$AK$13,K45,4)*M45+M103,0)","v":0},null,{"$f":"IF(Q105<=$AQ$51,Q105/(1-$AK$51-$AK$44),IF(Q105<=$AQ$52,(Q105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(Q105<=$AQ$53,(Q105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(Q105<=$AQ$54,(Q105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(Q105<=$AS$44,(Q105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(Q105>$AS$44,(Q105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AJ105+AK105","v":0},{"$f":"IF(P46=$AH$17,INDEX($AH$9:$AK$13,O45,4)*Q45+Q103,0)","v":0},null,{"$f":"IF(U105<=$AQ$51,U105/(1-$AK$51-$AK$44),IF(U105<=$AQ$52,(U105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(U105<=$AQ$53,(U105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(U105<=$AQ$54,(U105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(U105<=$AS$44,(U105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(U105>$AS$44,(U105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AP105+AQ105","v":0},{"$f":"IF(T46=$AH$17,INDEX($AH$9:$AK$13,S45,4)*U45+U103,0)","v":0},null,null,{"$f":"G105-I105-Y105","v":0},{"$f":"Y103","v":0},null,{"$f":"IF(Z104,IF(G105>$AK$30,(G105-$AK$30)*$AL$30,0),AA103)","v":0},{"$f":"IF(AB104>0,IF(AB104<0.03,1,0),0)","v":0},{"$f":"IF(OR(G105=0,AB104=0),0,(G105-G103)*AB104)","v":0},{"$f":"K105-M105-AE105","v":0},{"$f":"AE103","v":0},null,{"$f":"IF(AF104,IF(K105>$AK$30,(K105-$AK$30)*$AL$30,0),AG103)","v":0},{"$f":"IF(AH104>0,IF(AH104<0.03,1,0),0)","v":0},{"$f":"IF(OR(K105=0,AH104=0),0,(K105-K103)*AH104)","v":0},{"$f":"O105-Q105-AK105","v":0},{"$f":"AK103","v":0},null,{"$f":"IF(AL104,IF(O105>$AK$30,(O105-$AK$30)*$AL$30,0),AM103)","v":0},{"$f":"IF(AN104>0,IF(AN104<0.03,1,0),0)","v":0},{"$f":"IF(OR(O105=0,AN104=0),0,(O105-O103)*AN104)","v":0},{"$f":"S105-U105-AQ105","v":0},{"$f":"AQ103","v":0},null,{"$f":"IF(AR104,IF(S105>$AK$30,(S105-$AK$30)*$AL$30,0),AS103)","v":0},{"$f":"IF(AT104>0,IF(AT104<0.03,1,0),0)","v":0},{"$f":"IF(OR(S105=0,AT104=0),0,(S105-S103)*AT104)","v":0}]
[null,null,null,null,null,null,{"$f":"MAX(G104:G105)","v":0},{"$f":"MAX(H104:H105)","v":0},{"$f":"MAX(I104:I105)","v":0},{"$f":"K106-AG106-AI106","v":0},{"$f":"MAX(K104:K105)","v":0},{"$f":"MAX(L104:L105)","v":0},{"$f":"MAX(M104:M105)","v":0},{"$f":"O106-AM106-AO106","v":0},{"$f":"MAX(O104:O105)","v":0},{"$f":"MAX(P104:P105)","v":0},{"$f":"MAX(Q104:Q105)","v":0},{"$f":"S106-AS106-AU106","v":0},{"$f":"MAX(S104:S105)","v":0},{"$f":"MAX(T104:T105)","v":0},{"$f":"MAX(U104:U105)","v":0},null,null,{"$f":"MAX(X104:X105)","v":0},{"$f":"MAX(Y104:Y105)","v":0},null,{"$f":"MAX(AA104:AA105)","v":0},null,{"$f":"MAX(AC104:AC105)+AC103","v":0},{"$f":"MAX(AD104:AD105)","v":0},0,null,{"$f":"MAX(AG104:AG105)","v":0},null,{"$f":"MAX(AI104:AI105)+AI103","v":0},{"$f":"MAX(AJ104:AJ105)","v":0},0,null,{"$f":"MAX(AM104:AM105)","v":0},null,{"$f":"MAX(AO104:AO105)+AO103","v":0},{"$f":"MAX(AP104:AP105)","v":0},0,null,{"$f":"MAX(AS104:AS105)","v":0},null,{"$f":"MAX(AU104:AU105)+AU103","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Total -all income sources",null,null,null,{"$f":"G106","v":0},{"$f":"H106","v":0},{"$f":"I106","v":0},null,{"$f":"K106","v":0},{"$f":"L106","v":0},{"$f":"M106","v":0},null,{"$f":"O106","v":0},{"$f":"P106","v":0},{"$f":"Q106","v":0},null,{"$f":"S106","v":0},{"$f":"T106","v":0},{"$f":"U106","v":0},null,null,{"$f":"X106","v":0},{"$f":"Y106","v":0},null,{"$f":"AA106","v":0},null,{"$f":"AC106","v":0},{"$f":"AD106","v":0},{"$f":"AE106","v":0},null,{"$f":"AG106","v":0},null,{"$f":"AI106","v":0},{"$f":"AJ106","v":0},{"$f":"AK106","v":0},null,{"$f":"AM106","v":0},null,{"$f":"AO106","v":0},{"$f":"AP106","v":0},{"$f":"AQ106","v":0},null,{"$f":"AS106","v":0},null,{"$f":"AU106","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AB78+AB81+AB84+AB87+AB90+AB93+AB96+AB99+AB102+AB105","v":0},null,null,null,null,null,{"$f":"AH78+AH81+AH84+AH87+AH90+AH93+AH96+AH99+AH102+AH105","v":0},null,null,null,null,null,{"$f":"AN78+AN81+AN84+AN87+AN90+AN93+AN96+AN99+AN102+AN105","v":0},null,null,null,null,null,{"$f":"AT78+AT81+AT84+AT87+AT90+AT93+AT96+AT99+AT102+AT105","v":0}]
[null,null,"KiwiSaver contibution rate",null,null,null,null,null,{"$f":"AC118","v":0},null,null,null,{"$f":"AI118","v":0},null,null,null,{"$f":"AO118","v":0},null,null,null,{"$f":"AU118","v":0}]
[]
[null,null,"Total Deductions",null,null,null,null,null,{"$f":"I120","v":0},null,null,null,{"$f":"M120","v":0},null,null,null,{"$f":"Q120","v":0},null,null,null,{"$f":"U120","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,"Annual Inome after tax and deductions",null,null,null,null,null,{"$f":"I118-I122","v":0},null,null,null,{"$f":"M118-M122","v":0},null,null,null,{"$f":"Q118-Q122","v":0},null,null,null,{"$f":"U118-U122","v":0}]
[]
[null,null,"Weighted Annual Income after tax",null,null,null,{"$f":"G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12+(G106-G103)*$AP$19","v":0},null,{"$f":"I79*$AP$9+(I82-I79)*$AP$12+(I85-I82)*$AP$10+(I88-I85)*$AP$16+(I91-I88)*$AP$17+(I94-I91)*$AP$11+(I97-I94)*$AP$18+(I100-I97)*$AP$13+(I103-I100)*$AP$12+(I106-I103)*$AP$19","v":0},null,{"$f":"K79*$AP$9+(K82-K79)*$AP$12+(K85-K82)*$AP$10+(K88-K85)*$AP$16+(K91-K88)*$AP$17+(K94-K91)*$AP$11+(K97-K94)*$AP$18+(K100-K97)*$AP$13+(K103-K100)*$AP$12+(K106-K103)*$AP$19","v":0},null,{"$f":"M79*$AP$9+(M82-M79)*$AP$12+(M85-M82)*$AP$10+(M88-M85)*$AP$16+(M91-M88)*$AP$17+(M94-M91)*$AP$11+(M97-M94)*$AP$18+(M100-M97)*$AP$13+(M103-M100)*$AP$12+(M106-M103)*$AP$19","v":0},null,{"$f":"O79*$AP$9+(O82-O79)*$AP$12+(O85-O82)*$AP$10+(O88-O85)*$AP$16+(O91-O88)*$AP$17+(O94-O91)*$AP$11+(O97-O94)*$AP$18+(O100-O97)*$AP$13+(O103-O100)*$AP$12+(O106-O103)*$AP$19","v":0},null,{"$f":"Q79*$AP$9+(Q82-Q79)*$AP$12+(Q85-Q82)*$AP$10+(Q88-Q85)*$AP$16+(Q91-Q88)*$AP$17+(Q94-Q91)*$AP$11+(Q97-Q94)*$AP$18+(Q100-Q97)*$AP$13+(Q103-Q100)*$AP$12+(Q106-Q103)*$AP$19","v":0},null,{"$f":"S79*$AP$9+(S82-S79)*$AP$12+(S85-S82)*$AP$10+(S88-S85)*$AP$16+(S91-S88)*$AP$17+(S94-S91)*$AP$11+(S97-S94)*$AP$18+(S100-S97)*$AP$13+(S103-S100)*$AP$12+(S106-S103)*$AP$19","v":0},null,{"$f":"U79*$AP$9+(U82-U79)*$AP$12+(U85-U82)*$AP$10+(U88-U85)*$AP$16+(U91-U88)*$AP$17+(U94-U91)*$AP$11+(U97-U94)*$AP$18+(U100-U97)*$AP$13+(U103-U100)*$AP$12+(U106-U103)*$AP$19","v":0}]
[]
[null,null,"Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I131-I122","v":0},null,null,null,{"$f":"M131-M122","v":0},null,null,null,{"$f":"Q131-Q122","v":0},null,null,null,{"$f":"U131-U122","v":0},null,null,"Household Student Loan Payments",null,null,null,{"$f":"AA118+AG118+AM118+AS118","v":0}]
[]
[null,null,"Total All Applicants - Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I133+M133+Q133+U133","v":0},null,null,null,"Total All Applicants - Gross Annual Income",null,null,null,{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+($J$165*$AP$14)+$J$166","v":0},{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+$J$165+$J$166","v":0},null,null,null,null,null,"Has Kiwisaver < 3%",null,{"$f":"AB119+AH119+AN119+AT119","v":0}]
[null,null,"Total All Applicants - WeightedMonthly Income after tax and deductions",null,null,null,null,null,{"$f":"I135/12","v":0},null,null,null,"Total Adjusted Gross Income",null,null,null,{"$f":"(G131+K131+O131+S131)-(I122+M122+Q122+U122)+$W$65+$W$66+J167+J168","v":0},null,null,null,null,null,null,"All households has < 3",null,{"$f":"Z135+Calc2!Z135+Calc3!Z135+Calc4!Z135","v":0}]
[null,null,"Rental Housing Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Show Kiwisaver < 3%",null,{"$f":"IF(Z136>0,TRUE,FALSE)","v":false}]
[null,null,"Weighting",null,null,null,1,null,null,null,null,null,"Total Student Loan Balances",null,null,null,{"$f":"W67+Calc2!W67+Calc3!W67+Calc4!W67","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Conversion Factors"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Total Student Loan Payments",null,null,null,{"$f":"AB133+Calc2!AB133+Calc3!AB133+Calc4!AB133","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expense  and Repayment Frequency",null,null,"To Annual","To Monthly"]
[null,null,"Property One",null,null,null,null,null,null,null,null,null,"Monthly Student Loan Payments",null,null,null,{"$f":"Q139/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,{"$f":"365/7","v":52.142857142857146},{"$f":"365/7/12","v":4.3452380952380958}]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",null,null,{"$f":"365/14","v":26.071428571428573},{"$f":"365/14/12","v":2.1726190476190479}]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,{"$f":"12","v":12},1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly",null,null,4,{"$f":"4/12","v":0.33333333333333331}]
[null,null,"Rent frequency and amount","Rental",null,null,1,{"$f":"INDEX($AH$22:$AH$26,G144)","v":"Weekly"},{"$f":"'NSR Calculator'!D77","v":0},{"$f":"INDEX($AH$22:$AK$26,G144,4)*I144","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
[]
[null,null,"Property Two",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G150)","v":"Weekly"},{"$f":"'NSR Calculator'!I77","v":0},{"$f":"INDEX($AH$22:$AK$26,G150,4)*I150","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Type",null,"Existing SBS Bank loan types",null,null,"Repayment Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Car",null,"Total Residential",null,null,"Table (P and I)"]
[null,null,"Property Three",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Personal",null,"Total Residential Investment",null,null,"Interest Only"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hire Purchase",null,"Total Flexi"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other",null,"Total Commercial"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G156)","v":"Weekly"},{"$f":"'NSR Calculator'!N77","v":0},{"$f":"INDEX($AH$22:$AK$26,G156,4)*I156","v":0}]
[]
[null,null,"Property Four"]
[null,null,"Location",null,null,null,"Address",0]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Revolving Credit Type",null,null,"Repayment"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Credit/Store Card Limits",null,null,3.7999999999999999E-2]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G162)","v":"Weekly"},{"$f":"'NSR Calculator'!S77","v":0},{"$f":"INDEX($AH$22:$AK$26,G162,4)*I162","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Other Bank OD Limits",null,null,0.02]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Overdraft",null,null,0.02]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Housing",null,null,0.03]
[null,null,"Annual Rental Income",null,null,null,null,null,null,{"$f":"J162+J156+J150+J144","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business O/D",null,null,0.1]
[null,null,"Boarder Income",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G166)","v":"Weekly"},{"$f":"'NSR Calculator'!D82","v":0},{"$f":"INDEX($AH$22:$AK$26,G166,4)*I166","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Personal O/D",null,null,0.1]
[null,null,"Weighted Annual Rental Income",null,null,null,null,null,null,{"$f":"J165*$AP$14","v":0}]
[null,null,"Weighted Annual Boarder Income",null,null,null,null,null,null,{"$f":"J166*$AP$15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Loan Term"]
[null,null,"Weighted Monthly Rental Income",null,null,null,null,null,null,{"$f":"((J167+J168)/12)+Calc2!J169+Calc3!J169+Calc4!J169","v":0},"All households",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Age",null,null,85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Term",null,null,30]
[]
[null,null,null,null,null,null,null,null,null,"Annual",null,"Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Debt Servicing Assumptions"]
[null,null,"Income available for debt servicing incluidng rentals",null,null,null,null,null,null,{"$f":"I135+J167","v":0},null,{"$f":"I136+J169","v":0},null,{"$f":"IF(ABS(J173-L173*12)<=0.01,\"OK\", \"Please Check\")","v":"OK"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSR",null,null,{"$f":"IF(OR(H9=6,H14=TRUE),'Calculator Parameters'!C43,'Calculator Parameters'!C42)","v":0.97499999999999998}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",null,null,{"$f":"IF(D15,'Calculator Parameters'!C46,'Calculator Parameters'!C45)","v":6}]
[null,null,null,null,null,null,"Applicants 1 and 2"]
[null,null,"Living Expenses"]
[null,null,null,null,null,null,null,null,"Input","Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B52","v":"SBS Interest rate buffer"},null,null,{"$f":"IF($J$282>0,0, 'Calculator Parameters'!C52)","v":2.5000000000000001E-2},{"$f":"AK177*100","v":2.5}]
[null,null,"Living Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G178)","v":"Monthly"},{"$f":"'NSR Calculator'!C88","v":0},{"$f":"INDEX($AH$140:$AL$144,G178,5)*I178","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LVR",null,null,0.85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B51","v":"SBS Foundation interest rate"},null,null,{"$f":"'Calculator Parameters'!C51","v":0.04}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Initial: NSR=(MC - Rentals +MLA)/MNI, therefore NSR*0.9 +Rentals-MLA = Maximnum MC"]
[null,null,"Other Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G181)","v":"Monthly"},{"$f":"'NSR Calculator'!M88","v":0},{"$f":"INDEX($AH$140:$AL$144,G181,5)*I181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Suggested: "]
[]
[]
[null,null,"Household",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G184)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G184,5)*I184","v":0}]
[null,null," e.g. Food, clothing, travel, health, entertainment"]
[]
[null,null,"Council Rates",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G187)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G187,5)*I187","v":0}]
[]
[]
[null,null,"Home and Contents Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G190)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G190,5)*I190","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report Requirement"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security located within 50 Km of SBS Bank Branch"]
[null,null,"Health and Life Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G193)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G193,5)*I193","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null," Please include Trauma Cover, Income Protection etc.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,null,"Education",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G196)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G196,5)*I196","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security in town with population > 7,000 people"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Child Support",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G199)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G199,5)*I199","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null," Please include any other Child Care payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[]
[null,null,"Other 1",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G202)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G202,5)*I202","v":0}]
[]
[]
[null,null,"Other 2",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G205)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G205,5)*I205","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valuation Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Government valuation"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sale & Purchase Agreement"]
[null,null," Total Living Expenses",null,null,null,null,null,null,{"$f":"J178+J181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report",null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security types, valuation method and maximum LVR- Temporary Input Only"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Where SBS Bank is represented (defined as borrower and/or security being located within 50km of the nearest branch and in a town/centre of at least 7000 people)",null,null,"Where SBS Bank is not represented (defined as borrower and/or security being located more than 50km from the nearest branch and in a town/centre of at least 7000 people"]
[null,null," SBS Bank Loans with fixed repayments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,null,null,null,null,null,null,null,"GV","S&P","RVR","RVR"]
[null,null,"Type",null,null,null,"Balance ",null,"Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO",null,null,null,null,null,null,"Residential property (freehold)   Own use/holiday",null,null,null,null,null,"Residential property (freehold)   Own use/holiday",null,null,0.85,0.85,0.85,0.8]
[null,null,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)",null,null,null,null,null,null,"Residential property (freehold)   Investment (rental)",null,null,null,null,null,"Residential property (freehold)   Investment (rental)",null,null,0.85,0.85,0.85,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,null,null,null,null,null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,0.7,0.7,0.7,0.7]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,null,null,null,null,null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,0.7,0.7,0.7,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B216)","v":"Total Residential"},null,null,null,{"$f":"'NSR Calculator'!C98","v":0},null,{"$f":"IF(G216>0,IF(AND('NSR Calculator'!D98>0,'NSR Calculator'!D98<Calculation!$K$288),'NSR Calculator'!D98,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J216,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L216)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G216>0,I216>0),-PMT($E$284/K216,I216*K216,G216,),\"\")","v":""},{"$f":"IF(AND(G216>0,I216>0),-PMT($E$284/K216,$K$284/12*K216,G216,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G216>0,I216>0),(G216*$E$284)/12,\"\")","v":""},null,null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,0.8,0.8,0.8,0.8]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J216,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N216),N216*K217,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U216),U216*K217,)","v":0},{"$f":"IF(ISNUMBER(V216),V216*K217,)","v":0},null,{"$f":"MAX(N217,U217,V217)","v":0},null,null,{"$f":"IF(ISNUMBER(AA216),AA216*K217,)","v":0},null,null,null,null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,0.5,0.5,0.5,0.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,0.8,0.8,0.8,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B219)","v":"Total Residential"},null,null,null,{"$f":"'NSR Calculator'!C100","v":0},null,{"$f":"IF(G219>0,IF(AND('NSR Calculator'!D100>0,'NSR Calculator'!D100<Calculation!$K$288),'NSR Calculator'!D100,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J219,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L219)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G219>0,I219>0),-PMT($E$284/K219,I219*K219,G219,),\"\")","v":""},{"$f":"IF(AND(G219>0,I219>0),-PMT($E$284/K219,$K$284/12*K219,G219,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G219>0,I219>0),(G219*$E$284)/12,\"\")","v":""},null,null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,0.5,0.5,0.6,0.6]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J219,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N219),N219*K220,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U219),U219*K220,)","v":0},{"$f":"IF(ISNUMBER(V219),V219*K220,)","v":0},null,{"$f":"MAX(N220,U220,V220)","v":0},null,null,{"$f":"IF(ISNUMBER(AA219),AA219*K220,)","v":0},null,null,null,null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,0.8,0.8,0.8,0.7]
[]
[null,null,"SBS Bank Loan Fixed Repayments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N217+N220","v":0},null,null,null,null,null,null,{"$f":"U217+U220","v":0},{"$f":"V217+V220","v":0},null,{"$f":"X217+X220","v":0},null,null,{"$f":"AA217+AA220","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business Related Loans"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Selection required"]
[null,null,"Existing Other Bank mortgage debt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No business debt"]
[null,null,"Type",null,null,null,"Balance ",null,"Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO",null,null,null,null,null,null,"Combined with other debt (not separately identifiable)"]
[null,null,null,null,null,null,null,null,null,"Frequency",true,null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)",null,null,null,null,null,null,"Separately identifiable - serviced by business income"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,null,null,null,null,null,null,null,"Separately identifiable - serviced by non-business income"]
[null,null,null,null,null,null,null,null,null,null,true,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming"]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B231)","v":"Total Residential"},null,null,null,{"$f":"'NSR Calculator'!C107","v":0},null,{"$f":"IF(G231>0,IF(AND('NSR Calculator'!D107>0,'NSR Calculator'!D107<Calculation!$K$288),'NSR Calculator'!D107,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J231,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L231)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G231>0,I231>0),-PMT($E$284/K231,I231*K231,G231,),\"\")","v":""},{"$f":"IF(AND(G231>0,I231>0),-PMT($E$284/K231,$K$284/12*K231,G231,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G231>0,I231>0),(G231*$E$284)/12,\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J231,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N231),N231*K232,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U231),U231*K232,)","v":0},{"$f":"IF(ISNUMBER(V231),V231*K232,)","v":0},null,{"$f":"MAX(N232,U232,V232)","v":0},null,null,{"$f":"IF(ISNUMBER(AA231),AA231*K232,)","v":0}]
[]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B234)","v":"Total Residential"},null,null,null,{"$f":"'NSR Calculator'!C109","v":0},null,{"$f":"IF(G234>0,IF(AND('NSR Calculator'!D109>0,'NSR Calculator'!D109<Calculation!$K$288),'NSR Calculator'!D109,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J234,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L234)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G234>0,I234>0),-PMT($E$284/K234,I234*K234,G234,),\"\")","v":""},{"$f":"IF(AND(G234>0,I234>0),-PMT($E$284/K234,$K$284/12*K234,G234,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G234>0,I234>0),(G234*$E$284)/12,\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J234,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N234),N234*K235,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U234),U234*K235,)","v":0},{"$f":"IF(ISNUMBER(V234),V234*K235,)","v":0},null,{"$f":"MAX(N235,U235,V235)","v":0},null,null,{"$f":"IF(ISNUMBER(AA234),AA234*K235,)","v":0}]
[]
[null,1,"Other Bank P & I payments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N232+N235","v":0},null,null,null,null,null,null,{"$f":"U232+U235","v":0},{"$f":"V232+V235","v":0},null,{"$f":"X232+X235","v":0},null,null,{"$f":"AA232+AA235","v":0}]
[]
[]
[]
[]
[]
[null,null,"Other Loans with Fixed Repayments"]
[null,null,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment","Rept P&I","Rept P&I Max Term",null,"Maximum Rept"]
[null,null,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)","(Calculated)","(Calculated)",null,"Monthly"]
[null,1,{"$f":"INDEX($AH$151:$AH$156,B246)","v":"Car"},null,null,null,{"$f":"'NSR Calculator'!C116","v":0},{"$f":"E284","v":6.5000000000000002E-2},{"$f":"$K$284/12","v":30},3,{"$f":"INDEX($AH$140:$AL$144,J246,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L246)","v":0},{"$f":"'NSR Calculator'!D116","v":0},{"$f":"IF(AND(G246>0,H246>0,I246>0),-PMT(H246/K246,I246*K246,G246,),\"\")","v":""},{"$f":"IF(AND(G246>0,H246>0,I246>0),-PMT(H246/K246,$K$284/12*K246,G246,),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J246,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N246),N246*K247,)","v":0},{"$f":"IF(ISNUMBER(O246),O246*K247,)","v":0},{"$f":"IF(ISNUMBER(P246),P246*K247,)","v":0},null,{"$f":"MAX(N247:P247)","v":0}]
[null,null,null,null,null,null,null,null,null,null,true]
[null,1,{"$f":"INDEX($AH$151:$AH$156,B249)","v":"Car"},null,null,null,{"$f":"'NSR Calculator'!C118","v":0},{"$f":"E284","v":6.5000000000000002E-2},{"$f":"$K$284/12","v":30},3,{"$f":"INDEX($AH$140:$AL$144,J249,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L249)","v":0},{"$f":"'NSR Calculator'!D118","v":0},{"$f":"IF(AND(G249>0,H249>0,I249>0),-PMT(H249/K249,I249*K249,G249,),\"\")","v":""},{"$f":"IF(AND(G249>0,H249>0,I249>0),-PMT(H249/K249,$K$284/12*K249,G249,),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,true,null,null,{"$f":"IF(ISNUMBER(N249),N249*K250,)","v":0},{"$f":"IF(ISNUMBER(O249),O249*K250,)","v":0},{"$f":"IF(ISNUMBER(P249),P249*K250,)","v":0},null,{"$f":"MAX(N250:P250)","v":0}]
[]
[null,null,"Loan repayments",null,null,null,null,null,null,null,null,null,null,{"$f":"N247+N250","v":0},{"$f":"O247+O250","v":0},{"$f":"P247+P250","v":0},null,{"$f":"R247+R250","v":0}]
[]
[]
[]
[]
[null,null,"Credit limits"]
[null,null,"Type",null,null,null,"Limit",null,"Repayment",null,"Include in NSR"]
[]
[null,1,{"$f":"INDEX($AH$161:$AH$167,B260)","v":"Total Credit/Store Card Limits"},null,null,null,{"$f":"'NSR Calculator'!C125","v":0},{"$f":"INDEX($AH$161:$AK$167,B260,4)","v":3.7999999999999999E-2},{"$f":"IF(K260,H260*G260,0)","v":0},null,true]
[]
[null,1,{"$f":"INDEX($AH$161:$AH$167,B262)","v":"Total Credit/Store Card Limits"},null,null,null,{"$f":"'NSR Calculator'!C127","v":0},{"$f":"INDEX($AH$161:$AK$167,B262,4)","v":3.7999999999999999E-2},{"$f":"IF(K262,H262*G262,0)","v":0},null,true]
[]
[null,2,{"$f":"INDEX($AH$161:$AH$167,B264)","v":"Total Other Bank OD Limits"},null,null,null,0,null,0]
[]
[null,1,{"$f":"INDEX($AH$161:$AH$167,B266)","v":"Total Credit/Store Card Limits"},null,null,null,0,null,0]
[]
[null,2,{"$f":"INDEX($AH$161:$AH$167,B268)","v":"Total Other Bank OD Limits"},null,null,null,0,null,0]
[]
[null,1,{"$f":"INDEX($AH$161:$AH$167,B270)","v":"Total Credit/Store Card Limits"},null,null,null,0,null,0]
[]
[null,2,{"$f":"INDEX($AH$161:$AH$167,B272)","v":"Total Other Bank OD Limits"},null,null,null,0,null,0]
[]
[]
[null,null,"Credit Limit Repayments",null,null,null,null,null,{"$f":"I260+I262","v":0}]
[]
[null,null,"Credit Limit Repayments - all applicants",null,null,null,null,null,{"$f":"I275","v":0}]
[null,null,"Business debt",null,null,null,1,{"$f":"INDEX($AH$225:$AH$229,G278)","v":"Selection required"}]
[]
[null,null,"Proposed Loan"]
[]
[null,null,"Loan Amount",null,{"$f":"'NSR Calculator'!N9","v":0},null,"Loan Term",null,null,0,"Scenario rate",null,null,null,"Input Term","Period"]
[null,null,null,null,"+ Buffer","Monthly",null,null,null,{"$f":"MIN($AK$169-G5,$AK$169-K5,$AK$169-O5,$AK$169-S5)","v":85},"Household min by age",null,null,null,{"$f":"'NSR Calculator'!N11","v":0},1]
[null,null,"Rate",{"$f":"$AK$179","v":0.04},{"$f":"IF(J282>0,J282,D284+$AK$177)","v":6.5000000000000002E-2},{"$f":"E284/12","v":5.4166666666666669E-3},"Proposed maximum loan term",null,null,null,{"$f":"MIN($AK$170,W5,Calc2!W5,Calc3!W5,Calc4!W5)*12","v":360},null,{"$f":"IF(AND(K284>11,K284<24),\"1 year \",IF(K284>23,INT(K284/12)&\" years \",))&IF(MOD(K284,12)=1,\" 1 month\",IF(MOD(K284,12)>1,MOD(K284,12)&\" months\",))","v":"30 years "},null,{"$f":"IF(P283=1,IF(O283>30,30,O283)*12,IF(O283>360,360,O283))","v":0},{"$f":"AN22","v":"Months"}]
[null,null,null,null,null,null,"Slider value (Minimum is 1 month)",null,null,1]
[null,null,"Rept Max Term",null,{"$f":"-PMT(F284,K284,E282,)","v":0},{"$f":"-PMT(F284,K284,E282,)","v":0},"Applicant loan term",null,null,{"$f":"IF(J285<=1, O284,J285)","v":0},{"$f":"MIN(J286,K284)","v":0},null,{"$f":"IF(AND(K286>11,K286<24),\"1 year \",IF(K286>23,INT(K286/12)&\" years \",))&IF(MOD(K286,12)=1,\" 1 month\",IF(MOD(K286,12)>1,MOD(K286,12)&\" months\",))","v":""}]
[]
[null,null,"Rept Applicant Term",null,null,{"$f":"IFERROR(-PMT(F284,K286,E282,),0)","v":0},"Loan Term for this application",null,null,null,{"$f":"MIN(K286,K284)","v":0},null,{"$f":"IF(AND(K288>11,K288<24),\"1 year \",IF(K288>23,INT(K288/12)&\" years \",))&IF(MOD(K288,12)=1,\" 1 month\",IF(MOD(K288,12)>1,MOD(K288,12)&\" months\",))","v":""}]
[null,null,"IO",null,null,{"$f":"E282*F284","v":0}]
[]
[null,null,"Monthly Income available for debt servicing - calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SBS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Item",null,null,null,null,"HH1","HH2","HH3","HH4"]
[null,null,"Monthly Net Income ",null,null,null,null,null,{"$f":"(I135+SUM(F459:L459))/12","v":0},null,null,null,null,null,null,null,null,null,null,null,"MLA - Monthly Living Allowance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Table MLA",null,null,null,{"$f":"MLA!D7","v":0},{"$f":"MLA!E7","v":0},{"$f":"MLA!F7","v":0},{"$f":"MLA!G7","v":0}]
[null,null,"MLA",null,null,null,{"$f":"MLA!D7","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly Living",null,null,null,{"$f":"J208","v":0},{"$f":"Calc2!J208","v":0},{"$f":"Calc3!J208","v":0},{"$f":"Calc4!J208","v":0}]
[null,null,"Monthly Living expenses Application",null,null,null,{"$f":"J208","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max",null,null,null,{"$f":"MAX(Z294:Z295)","v":0},0,0,0]
[null,null,"Monthly Living expenses - (Max of MLA and application)",null,null,null,null,null,{"$f":"MAX(G295:G296)","v":0},{"$f":"I297","v":0},null,null,null,null,null,null,null,null,null,null,null,"MLA",null,null,null,{"$f":"SUM(Z296:AC296)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MC - Monthly Debt Commitments",null,null,null,null,null,"IO"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"SBS Bank Loan - Fixed Repayments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"SBS Bank Loan - Fixed Repayments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Current Commitments",null,null,null,{"$f":"R303+R309+I315+I317+Q140","v":0},{"$f":"AA222+AA237+I315+I317+Q140","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N222","v":0},null,null,null,null,"New Commitments",null,null,null,{"$f":"F288","v":0},{"$f":"F289","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U222","v":0},null,null,null,null,"MC",null,null,null,{"$f":"SUM(Z299:Z300)","v":0},{"$f":"SUM(AA299:AA300)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V222","v":0},null,null,null,"Total Monthly Commitments",null,null,null,null,{"$f":"Z297+Z301","v":0},{"$f":"AA301+Z297","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X222","v":0},{"$f":"R303-I303","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MNI - Monthly Net Income"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Other Bank P & I payments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"Other Bank P & I payments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Monthly Income",null,null,null,{"$f":"(I135/12)+N459+Calc2!Z305+Calc3!Z305+Calc4!Z305","v":0},{"$f":"Z305","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N237","v":0},null,null,null,null,null,null,null,null,"-   ","-   "]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U237","v":0},null,null,null,null,"Rental Income",null,null,null,{"$f":"I319","v":0},{"$f":"Z307","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V237","v":0},null,null,null,null,"MNI",null,null,null,{"$f":"SUM(Z305:Z307)","v":0},0]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X237","v":0},{"$f":"R309-I309","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSR",null,null,null,null,{"$f":"IF(Z308=0,0,Z302/Z308)","v":0},0]
[null,null,"Other Loan - Fixed Repayments - Monthly"]
[null,null,"Actual",null,null,null,{"$f":"N252","v":0}]
[null,null,"Calculated P&I",null,null,null,{"$f":"O252","v":0}]
[null,null,"Calculated P&I Max Term",null,null,null,{"$f":"P252","v":0},null,null,null,"Previously used"]
[null,null,"Actual P&I",null,null,null,null,null,{"$f":"G312","v":0},null,"Maximum of Other Loan Repayment (Input and Calculated Values)",null,null,null,null,null,{"$f":"R252","v":0}]
[]
[null,null,"Monthly Credit Card Limit",null,null,null,null,null,{"$f":"I277","v":0}]
[]
[null,"Deduct","Rental Income",null,null,null,null,null,{"$f":"J169","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Current Monthly Commitments with \"&$AL$177&\"% Interest Buffer\"","v":"Current Monthly Commitments with 2.5% Interest Buffer"},null,null,null,null,null,null,{"$f":"I297+R303+R309+I315+I317-I319","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Including \"&$AL$177&\"% Interest buffer\"","v":"Including 2.5% Interest buffer"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max Term",null,"Applicant Term"]
[null,null,null,null,null,null,null,null,null,null,"Repayment on proposed loan",null,null,null,{"$f":"-PMT(F284,K284,E282,)","v":0},null,{"$f":"-PMT(F284,K286,E282,)","v":{"$error":"#NUM!"}}]
[]
[null,null,null,null,null,null,null,null,null,null,"Total Monthly Commitments",null,null,null,{"$f":"O325+R321","v":0},null,{"$f":"Q325+R321","v":{"$error":"#NUM!"}}]
[]
[null,null,null,null,null,null,null,null,null,null,"Net Servicing Ratio (NSR) Suggested Change",null,null,null,{"$f":"(O327-I297)/(I293-I297)","v":{"$error":"#DIV/0!"}},null,{"$f":"(Q327-I297)/(I293-I297)","v":{"$error":"#NUM!"}},null,"Initial and suggested: ",null,"MC = Loan Reapayments + Allowance for Limits - Weighted Rental Income"]
[null,null,null,null,null,null,null,null,null,null,"Net Servicing Ratio (NSR) Initial",null,null,null,{"$f":"O327/I293","v":{"$error":"#DIV/0!"}},null,{"$f":"Q327/I293","v":{"$error":"#NUM!"}},null,"Initial Policy",null,"NSR = (MC + MLA) /MNI x 100, so 0.95 x100 x MNI = (MC + MLA), so (0.95 x 100 x MNI) – MLA = MC"]
[null,null,null,null,null,null,null,null,null,null,"Repayment Cover Ratio (RCR) ",null,null,null,{"$f":"I293/O327","v":{"$error":"#DIV/0!"}},null,{"$f":"I293/Q327","v":{"$error":"#NUM!"}},null,"Suggested Change",null,"NSR = MC /(MNI - MLA)x 100, so 0.95 x100 x (MNI - MLA)= MC "]
[]
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[]
[]
[]
[]
[]
[null,null,null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Monthly Business Income"]
[null,null,"Business income",null,null,{"$f":"(G65+G66)*$AP$12","v":0},null,{"$f":"(K65+K66)*$AP$12","v":0},null,{"$f":"(O65+O66)*$AP$12","v":0},null,{"$f":"(S65+S66)*$AP$12","v":0},null,{"$f":"SUM(F459,H459,J459,L459)/12","v":0}]
[]
[null,null,"Output Messagges"]
[null,null,null,null,null,"NSR"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Z310>0,ROUND(Z310*100,0),\"0\")&\"%\"","v":"0%"}]
[null,null,"Applicant Loan Term",null,null,{"$f":"IF(AND(Z310<=$AK$173,'NSR Calculator'!C159>=0),R465,IF(AND(Z310>$AK$173,Q329<=$AK$173),R466,R467))","v":"The NSR is 0%. Repayments for this loan amount and term meet servicing requirements"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"The NSR is \"&R464&\". Repayments for this loan amount and term meet servicing requirements\"","v":"The NSR is 0%. Repayments for this loan amount and term meet servicing requirements"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Repayments over this term exceed the maximum servicing level, but the loan amount could meet servcing requirements for a longer term"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Repayments over this term are above the maximum servicing level and the loan amount needs to be reduced"]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,"including Rental",null,null,"Initial and suggested: ",null,"MC = Loan Reapayments + Allowance for Limits - Weighted Rental Income"]
[null,null,"Monthly Income (excluding Rental)",null,null,null,null,null,{"$f":"I135/12","v":0},{"$f":"I473+J169","v":0},null,null,"Initial Policy",null,"0.95 = (MC + MLA) /MNI x 100, so 0.95 x100 x MNI = (MC + MLA), so (0.95 x 100 x MNI) – MLA = MC"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Suggested Change",null,"0.95 = MC /(MNI - MLA)x 100, so 0.95 x100 x (MNI - MLA)= MC ",null,null,null,null,null,null,null,null,null,null,"SBS","IO"]
[null,null,"Net Servicing Ratio",null,null,null,null,null,null,{"$f":"$AK$173","v":0.97499999999999998},null,null,null,null,null,null,null,null,null,null,null,null,null,"Max NSR",null,{"$f":"$AK$173","v":0.97499999999999998},{"$f":"$AK$173","v":0.97499999999999998}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Initial",null,null,null,null,null,null,null,null,null,null,"MNI",null,{"$f":"Z308","v":0},{"$f":"AA308","v":0}]
[null,null,{"$f":"\"Maximum Funds Available for debt servicing within NSR of \"&ROUND(AK173*100,0)&\"%\"","v":"Maximum Funds Available for debt servicing within NSR of 98%"},null,null,null,null,null,null,{"$f":"J475*(J473-J297+N459)","v":0},null,null,{"$f":"$AK$173*I473+J169-I297","v":0},null,null,null,"doesn't include other debt repayments (changed to MC rather than MLA)",null,null,null,null,null,null,"MLA",null,{"$f":"Z297","v":0},{"$f":"Z297","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Debt Servcing Capacity with \"&$AL$177&\"% Interest Buffer\"","v":"Debt Servcing Capacity with 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,null,null,"Funds",null,{"$f":"(Z475*Z476)-Z477","v":0},{"$f":"(AA475*AA476)-AA477","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Maximum Funds Available to service new loan within NSR of \"&ROUND(AK173*100,0)&\"%\"","v":"Maximum Funds Available to service new loan within NSR of 98%"},null,null,null,null,null,{"$f":"M477-Z299","v":0},null,null,null,null,null,null,"Curr Com",null,{"$f":"Z299","v":0},{"$f":"AA299","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Servicing",null,{"$f":"Z479-Z480","v":0},{"$f":"AA479-AA480","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Maximum Funds Available to service new loan within NSR of 100%\"","v":"Maximum Funds Available to service new loan within NSR of 100%"},null,null,null,null,null,{"$f":"I473+J169-I297-Z299","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,{"$f":"Z476-Z477-Z480","v":0},{"$f":"AA476-AA477-AA480","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rate",null,{"$f":"F284","v":5.4166666666666669E-3},{"$f":"F284","v":5.4166666666666669E-3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"nper",null,{"$f":"$K$284","v":360},{"$f":"$K$284","v":360}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max Loan",null,{"$f":"-PV(Z486,Z487,Z481,0)","v":0},{"$f":"-PV(AA486,AA487,AA481,0)","v":0},"Max Term"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ap nper",null,{"$f":"$K$286","v":0},{"$f":"$K$286","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max Loan",null,{"$f":"-PV(Z486,Z489,Z481,0)","v":0},{"$f":"-PV(AA486,AA489,AA481,0)","v":0},"Loan Term"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"NSR Result in NSR Calculator",null,null,null,null,null,{"$f":"$Z$310","v":0}]
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[null,null,"Scenario IO NSR Result",null,null,null,null,null,{"$f":"$AA$310","v":0}]
[]
[null,null,"DTI Result in NSR Calculator",null,null,null,null,null,{"$f":"'DTI Calculation'!S60","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B33","v":180000.01},null,null,{"$f":"'Calculator Parameters'!D33","v":0.39},null,null,null,{"$f":"1/(1-AK55)","v":1.639344262295082}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,null,null,null,null,null,"Applicant 1",null,null,null,"Applicant 2",null,null,null,"Applicant 3",null,null,null,"Applicant 4",null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,"Annual Financial A/c addbacks",null,null,null,null,{"$f":"'NSR Calculator'!Y66","v":0},null,null,null,{"$f":"'NSR Calculator'!AD66","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G65:S65)","v":0},null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,"Annual Other Assistance Payments",null,null,null,null,{"$f":"'NSR Calculator'!Y68","v":0},null,null,null,{"$f":"'NSR Calculator'!AD68","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G66:S66)","v":0},null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,"Student Loan Balance",null,null,null,null,{"$f":"'NSR Calculator'!Y72","v":0},null,null,null,{"$f":"'NSR Calculator'!AD72","v":0},null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(NI + TaxStep - Thresh * Marginal Tax Rate) = GI - GI * Marginal Tax Rate - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","(NI + TaxStep - Thresh * Marginal Tax Rate + Max ACC Levy) = GI - GI * Marginal Tax Rate "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(NI + TaxStep - Thresh * Marginal Tax Rate)/(1 -Marginal Tax Rate - ACC Rate)  = GI ",null,null,null,null,null,null,null,null,"OR ","(NI + TaxStep - Thresh * Marginal Tax Rate + Max ACC Levy)/(1 -Marginal Tax Rate) = GI"]
[]
[]
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[null,10,"Child Support",null,null,null,{"$f":"IF(H46=$AH$16,INDEX($AH$9:$AK$13,G45,4)*I45+G103,0)","v":0},{"$f":"X104+Y104","v":0},{"$f":"G104-H104","v":0},null,{"$f":"IF(L46=$AH$16,INDEX($AH$9:$AK$13,K45,4)*M45+K103,0)","v":0},{"$f":"AD104+AE104","v":0},{"$f":"K104-L104","v":0},null,{"$f":"IF(P46=$AH$16,INDEX($AH$9:$AK$13,O45,4)*Q45+O103,0)","v":0},{"$f":"AJ104+AK104","v":0},{"$f":"O104-P104","v":0},null,{"$f":"IF(T46=$AH$16,INDEX($AH$9:$AK$13,S45,4)*U45+S103,0)","v":0},{"$f":"AP104+AQ104","v":0},{"$f":"S104-T104","v":0},null,null,{"$f":"X103","v":0},{"$f":"Y103","v":0},false,{"$f":"IF(Z104,IF(G104>$AK$30,(G104-$AK$30)*$AL$30,0),AA103)","v":0},{"$f":"'NSR Calculator'!AA52","v":0},{"$f":"IF(OR(G104=0,AB104=0),0,(G104-G103)*AB104)","v":0},{"$f":"AD103","v":0},{"$f":"AE103","v":0},false,{"$f":"IF(AF104,IF(K104>$AK$30,(K104-$AK$30)*$AL$30,0),AG103)","v":0},{"$f":"'NSR Calculator'!AF52","v":0},{"$f":"IF(OR(K104=0,AH104=0),0,(K104-K103)*AH104)","v":0},{"$f":"IF(O104>$AI$54,(O104-$AI$54)*$AK$55+$AM$54,IF(O104>$AI$53,(O104-$AI$53)*$AK$54+$AM$53,IF(O104 > $AI$52,(O104-$AI$52)*$AK$53+$AM$52,IF(O104>$AI$51,(O104-$AI$51)*$AK$52+$AM$51,IF(O104>0,O104*$AK$51,0)))))","v":0},{"$f":"IF((O104-$N$82)>$AO$44,$AM$44,IF((O104-O103)>0,(O104-$N$82)*$AK$44,AK103))","v":0},{"$f":"$AL$75","v":false},{"$f":"IF(AL104,IF(O104>$AK$30,(O104-$AK$30)*$AL$30,0),AM103)","v":0},0,{"$f":"IF(OR(O104=0,AN104=0),0,(O104-O103)*AN104)","v":0},{"$f":"IF(S104>$AI$54,(S104-$AI$54)*$AK$55+$AM$54,IF(S104>$AI$53,(S104-$AI$53)*$AK$54+$AM$53,IF(S104 > $AI$52,(S104-$AI$52)*$AK$53+$AM$52,IF(S104>$AI$51,(S104-$AI$51)*$AK$52+$AM$51,IF(S104>0,S104*$AK$51,0)))))","v":0},{"$f":"IF((S104-$R$82)>$AO$44,$AM$44,IF((S104-S103)>0,(S104-$R$82)*$AK$44,AQ103))","v":0},{"$f":"$AR$75","v":false},null,null,{"$f":"IF(OR(S104=0,AT104=0),0,(S104-S103)*AT104)","v":0}]
[null,null,null,null,null,null,{"$f":"IF(I105<=$AQ$51,I105/(1-$AK$51-$AK$44),IF(I105<=$AQ$52,(I105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(I105<=$AQ$53,(I105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(I105<=$AQ$54,(I105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(I105<=$AS$44,(I105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(I105>$AS$44,(I105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"X105+Y105","v":0},{"$f":"IF(H46=$AH$17,INDEX($AH$9:$AK$13,G45,4)*I45+I103,0)","v":0},null,{"$f":"IF(M105<=$AQ$51,M105/(1-$AK$51-$AK$44),IF(M105<=$AQ$52,(M105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(M105<=$AQ$53,(M105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(M105<=$AQ$54,(M105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(M105<=$AS$44,(M105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(M105>$AS$44,(M105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AD105+AE105","v":0},{"$f":"IF(L46=$AH$17,INDEX($AH$9:$AK$13,K45,4)*M45+M103,0)","v":0},null,{"$f":"IF(Q105<=$AQ$51,Q105/(1-$AK$51-$AK$44),IF(Q105<=$AQ$52,(Q105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(Q105<=$AQ$53,(Q105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(Q105<=$AQ$54,(Q105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(Q105<=$AS$44,(Q105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(Q105>$AS$44,(Q105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AJ105+AK105","v":0},{"$f":"IF(P46=$AH$17,INDEX($AH$9:$AK$13,O45,4)*Q45+Q103,0)","v":0},null,{"$f":"IF(U105<=$AQ$51,U105/(1-$AK$51-$AK$44),IF(U105<=$AQ$52,(U105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(U105<=$AQ$53,(U105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(U105<=$AQ$54,(U105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(U105<=$AS$44,(U105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(U105>$AS$44,(U105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AP105+AQ105","v":0},{"$f":"IF(T46=$AH$17,INDEX($AH$9:$AK$13,S45,4)*U45+U103,0)","v":0},null,null,{"$f":"G105-I105-Y105","v":0},{"$f":"Y103","v":0},null,{"$f":"IF(Z104,IF(G105>$AK$30,(G105-$AK$30)*$AL$30,0),AA103)","v":0},{"$f":"IF(AB104>0,IF(AB104<0.03,1,0),0)","v":0},{"$f":"IF(OR(G105=0,AB104=0),0,(G105-G103)*AB104)","v":0},{"$f":"K105-M105-AE105","v":0},{"$f":"AE103","v":0},null,{"$f":"IF(AF104,IF(K105>$AK$30,(K105-$AK$30)*$AL$30,0),AG103)","v":0},{"$f":"IF(AH104>0,IF(AH104<0.03,1,0),0)","v":0},{"$f":"IF(OR(K105=0,AH104=0),0,(K105-K103)*AH104)","v":0},{"$f":"O105-Q105-AK105","v":0},{"$f":"IF((O105-$N$82)>$AO$44,$AM$44,IF((O105-O103)>0,(O105-$N$82)*$AK$44,AK103))","v":0},null,null,null,{"$f":"IF(OR(O105=0,AN104=0),0,(O105-O103)*AN104)","v":0},{"$f":"S105-U105-AQ105","v":0},{"$f":"IF((S105-$R$82)>$AO$44,$AM$44,IF((S105-S103)>0,(S105-$R$82)*$AK$44,AQ103))","v":0},null,null,null,{"$f":"IF(OR(S105=0,AT104=0),0,(S105-S103)*AT104)","v":0}]
[null,null,null,null,null,null,{"$f":"MAX(G104:G105)","v":0},{"$f":"MAX(H104:H105)","v":0},{"$f":"MAX(I104:I105)","v":0},{"$f":"K106-AG106-AI106","v":0},{"$f":"MAX(K104:K105)","v":0},{"$f":"MAX(L104:L105)","v":0},{"$f":"MAX(M104:M105)","v":0},{"$f":"O106-AM106-AO106","v":0},{"$f":"MAX(O104:O105)","v":0},{"$f":"MAX(P104:P105)","v":0},{"$f":"MAX(Q104:Q105)","v":0},{"$f":"S106-AS106-AU106","v":0},{"$f":"MAX(S104:S105)","v":0},{"$f":"MAX(T104:T105)","v":0},{"$f":"MAX(U104:U105)","v":0},null,null,{"$f":"MAX(X104:X105)","v":0},{"$f":"MAX(Y104:Y105)","v":0},null,{"$f":"MAX(AA104:AA105)","v":0},null,{"$f":"MAX(AC104:AC105)+AC103","v":0},{"$f":"MAX(AD104:AD105)","v":0},0,null,{"$f":"MAX(AG104:AG105)","v":0},null,{"$f":"MAX(AI104:AI105)+AI103","v":0},{"$f":"MAX(AJ104:AJ105)","v":0},0,null,null,null,{"$f":"MAX(AO104:AO105)+AO103","v":0},{"$f":"MAX(AP104:AP105)","v":0},0,null,null,null,{"$f":"MAX(AU104:AU105)+AU103","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Total -all income sources",null,null,null,{"$f":"G106","v":0},{"$f":"H106","v":0},{"$f":"I106","v":0},null,{"$f":"K106","v":0},{"$f":"L106","v":0},{"$f":"M106","v":0},null,{"$f":"O106","v":0},{"$f":"P106","v":0},{"$f":"Q106","v":0},null,{"$f":"S106","v":0},{"$f":"T106","v":0},{"$f":"U106","v":0},null,null,{"$f":"X106","v":0},{"$f":"Y106","v":0},null,{"$f":"AA106","v":0},null,{"$f":"AC106","v":0},{"$f":"AD106","v":0},{"$f":"AE106","v":0},null,{"$f":"AG106","v":0},null,{"$f":"AI106","v":0},{"$f":"AJ106","v":0},{"$f":"AK106","v":0},null,null,null,{"$f":"AO106","v":0},{"$f":"AP106","v":0},{"$f":"AQ106","v":0},null,null,null,{"$f":"AU106","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AB78+AB81+AB84+AB87+AB90+AB93+AB96+AB99+AB102+AB105","v":0},null,null,null,null,null,{"$f":"AH78+AH81+AH84+AH87+AH90+AH93+AH96+AH99+AH102+AH105","v":0}]
[null,null,"KiwiSaver contibution rate",null,null,null,null,null,{"$f":"AC118","v":0},null,null,null,{"$f":"AI118","v":0},null,null,null,{"$f":"AO118","v":0},null,null,null,{"$f":"AU118","v":0}]
[]
[null,null,"Total Deductions",null,null,null,null,null,{"$f":"I120","v":0},null,null,null,{"$f":"M120","v":0},null,null,null,{"$f":"Q120","v":0},null,null,null,{"$f":"U120","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,"Annual Inome after tax and deductions",null,null,null,null,null,{"$f":"I118-I122","v":0},null,null,null,{"$f":"M118-M122","v":0},null,null,null,{"$f":"Q118-Q122","v":0},null,null,null,{"$f":"U118-U122","v":0}]
[]
[null,null,"Weighted Annual Income after tax",null,null,null,{"$f":"G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12+(G106-G103)*$AP$19","v":0},null,{"$f":"I79*$AP$9+(I82-I79)*$AP$12+(I85-I82)*$AP$10+(I88-I85)*$AP$16+(I91-I88)*$AP$17+(I94-I91)*$AP$11+(I97-I94)*$AP$18+(I100-I97)*$AP$13+(I103-I100)*$AP$12+(I106-I103)*$AP$19","v":0},null,{"$f":"K79*$AP$9+(K82-K79)*$AP$12+(K85-K82)*$AP$10+(K88-K85)*$AP$16+(K91-K88)*$AP$17+(K94-K91)*$AP$11+(K97-K94)*$AP$18+(K100-K97)*$AP$13+(K103-K100)*$AP$12+(K106-K103)*$AP$19","v":0},null,{"$f":"M79*$AP$9+(M82-M79)*$AP$12+(M85-M82)*$AP$10+(M88-M85)*$AP$16+(M91-M88)*$AP$17+(M94-M91)*$AP$11+(M97-M94)*$AP$18+(M100-M97)*$AP$13+(M103-M100)*$AP$12+(M106-M103)*$AP$19","v":0},null,{"$f":"O79*$AP$9+(O82-O79)*$AP$12+(O85-O82)*$AP$10+(O88-O85)*$AP$16+(O91-O88)*$AP$17+(O94-O91)*$AP$11+(O97-O94)*$AP$18+(O100-O97)*$AP$13+(O103-O100)*$AP$12+(O106-O103)*$AP$19","v":0},null,{"$f":"Q79*$AP$9+(Q82-Q79)*$AP$12+(Q85-Q82)*$AP$10+(Q88-Q85)*$AP$16+(Q91-Q88)*$AP$17+(Q94-Q91)*$AP$11+(Q97-Q94)*$AP$18+(Q100-Q97)*$AP$13+(Q103-Q100)*$AP$12+(Q106-Q103)*$AP$19","v":0},null,{"$f":"S79*$AP$9+(S82-S79)*$AP$12+(S85-S82)*$AP$10+(S88-S85)*$AP$16+(S91-S88)*$AP$17+(S94-S91)*$AP$11+(S97-S94)*$AP$18+(S100-S97)*$AP$13+(S103-S100)*$AP$12+(S106-S103)*$AP$19","v":0},null,{"$f":"U79*$AP$9+(U82-U79)*$AP$12+(U85-U82)*$AP$10+(U88-U85)*$AP$16+(U91-U88)*$AP$17+(U94-U91)*$AP$11+(U97-U94)*$AP$18+(U100-U97)*$AP$13+(U103-U100)*$AP$12+(U106-U103)*$AP$19","v":0}]
[]
[null,null,"Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I131-I122","v":0},null,null,null,{"$f":"M131-M122","v":0},null,null,null,{"$f":"Q131-Q122","v":0},null,null,null,{"$f":"U131-U122","v":0},null,null,"Household Student Loan Payments",null,null,null,{"$f":"AA118+AG118+AM118+AS118","v":0}]
[]
[null,null,"Total All Applicants - Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I133+M133+Q133+U133","v":0},null,null,null,"Total All Applicants - Gross Annual Income",null,null,null,{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+($J$165*$AP$14)+$J$166","v":0},{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+$J$165+$J$166","v":0},null,null,null,null,null,"Has Kiwisaver < 3%",null,{"$f":"AB119+AH119+AN119+AT119","v":0}]
[null,null,"Total All Applicants - WeightedMonthly Income after tax and deductions",null,null,null,null,null,{"$f":"I135/12","v":0},null,null,null,"Total Adjusted Gross Income",null,null,null,{"$f":"(G131+K131+O131+S131)-(I122+M122+Q122+U122)+$W$65+$W$66+J167+J168","v":0}]
[null,null,"Rental Housing Income"]
[null,null,"Weighting",null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Conversion Factors"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expense  and Repayment Frequency",null,null,"To Annual","To Monthly"]
[null,null,"Property One",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,{"$f":"365/7","v":52.142857142857146},{"$f":"365/7/12","v":4.3452380952380958}]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",null,null,{"$f":"365/14","v":26.071428571428573},{"$f":"365/14/12","v":2.1726190476190479}]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,{"$f":"12","v":12},1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly",null,null,4,{"$f":"4/12","v":0.33333333333333331}]
[null,null,"Rent frequency and amount","Rental",null,null,1,{"$f":"INDEX($AH$22:$AH$26,G144)","v":"Weekly"},{"$f":"'NSR Calculator'!Y77","v":0},{"$f":"INDEX($AH$22:$AK$26,G144,4)*I144","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
[]
[null,null,"Property Two",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G150)","v":"Weekly"},{"$f":"'NSR Calculator'!AD77","v":0},{"$f":"INDEX($AH$22:$AK$26,G150,4)*I150","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Type",null,"Existing SBS Bank loan types",null,null,"Repayment Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Car",null,"Total Residential",null,null,"Table (P and I)"]
[null,null,"Property Three",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Personal",null,"Total Residential Investment",null,null,"Interest Only"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hire Purchase",null,"Total Flexi"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other",null,"Total Commercial"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G156)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G156,4)*I156","v":0}]
[]
[null,null,"Property Four"]
[null,null,"Location",null,null,null,"Address",0]
[null,null,null,null,null,null,null,0]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G162)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G162,4)*I162","v":0}]
[]
[]
[null,null,"Annual Rental Income",null,null,null,null,null,null,{"$f":"J162+J156+J150+J144","v":0}]
[null,null,"Boarder Income",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G166)","v":"Weekly"},{"$f":"'NSR Calculator'!Y82","v":0},{"$f":"INDEX($AH$22:$AK$26,G166,4)*I166","v":0}]
[null,null,"Weighted Annual Rental Income",null,null,null,null,null,null,{"$f":"J165*$AP$14","v":0}]
[null,null,"Weighted Annual Boarder Income",null,null,null,null,null,null,{"$f":"J166*$AP$15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Loan Term"]
[null,null,"Weighted Monthly Rental Income",null,null,null,null,null,null,{"$f":"(J167+J168)/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Age",null,null,85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Term",null,null,30]
[]
[null,null,null,null,null,null,null,null,null,"Annual",null,"Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Debt Servicing Assumptions"]
[null,null,"Income available for debt servicing incluidng rentals",null,null,null,null,null,null,{"$f":"I135+J167","v":0},null,{"$f":"I136+J169","v":0},null,{"$f":"IF(ABS(J173-L173*12)<=0.01,\"OK\", \"Please Check\")","v":"OK"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSR",null,null,{"$f":"IF(OR(H9=6,H14=TRUE),'Calculator Parameters'!C43,'Calculator Parameters'!C42)","v":0.97499999999999998}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",null,null,{"$f":"IF(D15,'Calculator Parameters'!C46,'Calculator Parameters'!C45)","v":6}]
[null,null,null,null,null,null,"Applicants 1 and 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B49","v":0},null,null,{"$f":"'Calculator Parameters'!C49","v":0},{"$f":"AK175*100","v":0}]
[null,null,"Living Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B48","v":0},null,null,{"$f":"'Calculator Parameters'!C48","v":0}]
[null,null,null,null,null,null,null,null,"Input","Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B52","v":"SBS Interest rate buffer"},null,null,{"$f":"'Calculator Parameters'!C52","v":2.5000000000000001E-2},{"$f":"AK177*100","v":2.5}]
[null,null,"Living Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G178)","v":"Monthly"},{"$f":"'NSR Calculator'!Y88","v":0},{"$f":"INDEX($AH$140:$AL$144,G178,5)*I178","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LVR",null,null,0.85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B51","v":"SBS Foundation interest rate"},null,null,{"$f":"'Calculator Parameters'!C51","v":0.04}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Initial: NSR=(MC - Rentals +MLA)/MNI, therefore NSR*0.9 +Rentals-MLA = Maximnum MC"]
[null,null,"Other Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G181)","v":"Monthly"},{"$f":"'NSR Calculator'!AD88","v":0},{"$f":"INDEX($AH$140:$AL$144,G181,5)*I181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Suggested: "]
[]
[]
[null,null,"Household",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G184)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G184,5)*I184","v":0}]
[null,null," e.g. Food, clothing, travel, health, entertainment"]
[]
[null,null,"Council Rates",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G187)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G187,5)*I187","v":0}]
[]
[]
[null,null,"Home and Contents Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G190)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G190,5)*I190","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report Requirement"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security located within 50 Km of SBS Bank Branch"]
[null,null,"Health and Life Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G193)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G193,5)*I193","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null," Please include Trauma Cover, Income Protection etc.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,null,"Education",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G196)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G196,5)*I196","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security in town with population > 7,000 people"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Child Support",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G199)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G199,5)*I199","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null," Please include any other Child Care payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,1]
[null,null,"Other 1",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G202)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G202,5)*I202","v":0}]
[]
[null,1]
[null,null,"Other 2",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G205)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G205,5)*I205","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valuation Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Government valuation"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sale & Purchase Agreement"]
[null,null," Total Living Expenses",null,null,null,null,null,null,{"$f":"J178+J181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report",null,null,null," "]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security types, valuation method and maximum LVR- Temporary Input Only"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Where SBS Bank is represented (defined as borrower and/or security being located within 50km of the nearest branch and in a town/centre of at least 7000 people)",null,null,"Where SBS Bank is not represented (defined as borrower and/or security being located more than 50km from the nearest branch and in a town/centre of at least 7000 people"]
[null,null," SBS Bank Loans with fixed repayments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,null,null,null,null,null,null,null,"GV","S&P","RVR","RVR"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept",null,null,null,"Residential property (freehold)   Own use/holiday",null,null,null,null,null,"Residential property (freehold)   Own use/holiday",null,null,0.85,0.85,0.85,0.8]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,null,"Residential property (freehold)   Investment (rental)",null,null,null,null,null,"Residential property (freehold)   Investment (rental)",null,null,0.85,0.85,0.85,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,0.7,0.7,0.7,0.7]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,0.7,0.7,0.7,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B216)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G216>0,H216>0),IF('NSR Calculator'!G98>0,'NSR Calculator'!G98,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J216,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L216)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,I216*K216,G216,),\"\")","v":""},{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,$K$284/12*K216,G216,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),(G216*($AK$179+$AK$177))/12,\"\")","v":""},{"$f":"IF(AND(M216>0,N216>0,O216>0),-PMT(($AK$179+$AK$177)/(Q216*100),$K$284/12*Q216,M216,),\"\")","v":""},null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,0.8,0.8,0.8,0.8]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J216,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N216),N216*K217,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U216),U216*K217,)","v":0},{"$f":"IF(ISNUMBER(V216),V216*K217,)","v":0},null,{"$f":"MAX(N217,U217,V217)","v":0},null,null,{"$f":"IF(ISNUMBER(AA216),AA216*Q217,)","v":0},{"$f":"IF(ISNUMBER(AB216),AB216*Q217,)","v":0},null,{"$f":"MAX(T217,AA217,AB217)","v":0},null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,0.5,0.5,0.5,0.5]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,0.8,0.8,0.8,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B219)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G219>0,H219>0),IF('NSR Calculator'!G100>0,'NSR Calculator'!G100,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J219,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L219)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,I219*K219,G219,),\"\")","v":""},{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,$K$284/12*K219,G219,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),O219*Q219,M219,),\"\")","v":""},{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),$K$284/12*Q219,M219,),\"\")","v":""},null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,0.5,0.5,0.6,0.6]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J219,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N219),N219*K220,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U219),U219*K220,)","v":0},{"$f":"IF(ISNUMBER(V219),V219*K220,)","v":0},null,{"$f":"MAX(N220,U220,V220)","v":0},null,null,{"$f":"IF(ISNUMBER(AA219),AA219*Q220,)","v":0},{"$f":"IF(ISNUMBER(AB219),AB219*Q220,)","v":0},null,{"$f":"MAX(T220,AA220,AB220)","v":0},null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,0.8,0.8,0.8,0.7]
[]
[null,1,"SBS Bank Loan Fixed Repayments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N217+N220","v":0},null,null,null,null,null,null,{"$f":"U217+U220","v":0},{"$f":"V217+V220","v":0},null,{"$f":"X217+X220","v":0},null,null,{"$f":"AA217+AA220","v":0},{"$f":"AB217+AB220","v":0},null,{"$f":"AD217+AD220","v":0}]
[]
[null,1]
[null,1]
[null,null,"Existing Other Bank mortgage debt"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept"]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"}]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming"]
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[null,1]
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[null,1]
[null,1,"Other Bank P & I payments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N232+N235","v":0},null,null,null,null,null,null,{"$f":"U232+U235","v":0},{"$f":"V232+V235","v":0},null,{"$f":"X232+X235","v":0},null,null,{"$f":"AA232+AA235","v":0},{"$f":"AB232+AB235","v":0},null,{"$f":"AD232+AD235","v":0}]
[null,1]
[null,1]
[null,1]
[]
[null,1]
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[null,null,"Proposed Loan"]
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[null,null,"Loan Amount",null,0,null,"Loan Term",null,null,0,"Scenario rate"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K286>11,K286<24),\"1 year \",IF(K286>23,INT(K286/12)&\" years \",))&IF(MOD(K286,12)=1,\" 1 month\",IF(MOD(K286,12)>1,MOD(K286,12)&\" months\",))","v":""}]
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[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K288>11,K288<24),\"1 year \",IF(K288>23,INT(K288/12)&\" years \",))&IF(MOD(K288,12)=1,\" 1 month\",IF(MOD(K288,12)>1,MOD(K288,12)&\" months\",))","v":""}]
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[]
[null,null,"Monthly Income available for debt servicing - calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SBS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Item",null,null,null,null,"HH1","HH2","HH3","HH4"]
[null,null,"Monthly Net Income ",null,null,null,null,null,{"$f":"(I135+SUM(F335:L335))/12","v":0},null,null,null,null,null,null,null,null,null,null,null,"MLA - Monthly Living Allowance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Table MLA",null,null,null,{"$f":"MLA!D7","v":0},{"$f":"MLA!E7","v":0},{"$f":"MLA!F7","v":0},{"$f":"MLA!G7","v":0}]
[null,null,"MLA",null,null,null,{"$f":"MLA!E7","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly Living",null,null,null,{"$f":"J208","v":0},"-   ","-   ","-   "]
[null,null,"Monthly Living expenses Application",null,null,null,{"$f":"J208","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max",null,null,null,{"$f":"MAX(Z294:Z295)","v":0},0,0,0]
[null,null,"Monthly Living expenses - (Max of MLA and application)",null,null,null,null,null,{"$f":"MAX(G295:G296)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"MLA",null,null,null,{"$f":"SUM(Z296:AC296)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MC - Monthly Debt Commitments",null,null,null,null,null,"IO"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"SBS Bank Loan - Fixed Repayments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"SBS Bank Loan - Fixed Repayments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Current Commitments",null,null,null,{"$f":"R303+R309+I315+I317","v":0},{"$f":"R303+R309+I315+I317","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N222","v":0},null,null,null,null,"New Commitments",null,null,null,{"$f":"Calculation!Z300","v":0},{"$f":"Calculation!AA300","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U222","v":0},null,null,null,null,"MC",null,null,null,{"$f":"SUM(Z299:Z300)","v":0},{"$f":"SUM(AA299:AA300)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V222","v":0},null,null,null,"Total Monthly Commitments",null,null,null,null,{"$f":"Z297+Z301","v":0},{"$f":"AA301+Z297","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X222","v":0},{"$f":"R303-I303","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MNI - Monthly Net Income"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Other Bank P & I payments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"Other Bank P & I payments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Monthly Income",null,null,null,{"$f":"(I135/12)+N335","v":0},{"$f":"(I135/12)+N335","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V237","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X237","v":0},{"$f":"R309-I309","v":0}]
[]
[null,null,"Other Loan - Fixed Repayments - Monthly"]
[null,null,"Actual",null,null,null,{"$f":"N252","v":0}]
[null,null,"Calculated P&I",null,null,null,{"$f":"O252","v":0}]
[null,null,"Calculated P&I Max Term",null,null,null,{"$f":"P252","v":0},null,null,null,"Previously used"]
[null,null,"Actual P&I",null,null,null,null,null,{"$f":"G312","v":0},null,"Maximum of Other Loan Repayment (Input and Calculated Values)",null,null,null,null,null,{"$f":"R252","v":0}]
[]
[null,null,"Monthly Credit Card Limit",null,null,null,null,null,{"$f":"I277","v":0}]
[]
[null,"Deduct","Rental Income",null,null,null,null,null,{"$f":"J169","v":0}]
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[null,null,null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Monthly Business Income"]
[null,null,"Business income",null,null,{"$f":"('NSR Calculator'!Y66+'NSR Calculator'!Y68)*$AP$12","v":0},null,{"$f":"('NSR Calculator'!AD66+'NSR Calculator'!AD68)*$AP$12","v":0},null,0,null,0,null,{"$f":"SUM(F335,H335,J335,L335)/12","v":0}]

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[null,"Income input data (excluding rentals)  source and amount ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross (Pre tax)",null,null,null,null,null,"Bonus",null,{"$f":"'Calculator Parameters'!C12","v":0.7}]
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[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G25)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K25)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O25)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S25)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
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[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S28)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Student Loan",null,null,"Threshold","Rate"]
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[null,null,"Allowance",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G30)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$39","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K30)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$39","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O30)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S30)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Yes",null,null,{"$f":"'Calculator Parameters'!B38","v":24128},{"$f":"'Calculator Parameters'!C38","v":0.12}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S31)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KiwiSaver"]
[null,null,"Commission",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G33)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$42","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K33)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$42","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O33)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S33)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S34)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B57","v":0.03}]
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[null,null,"Investment",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G36)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$45","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K36)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$45","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O36)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S36)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B59","v":0.08}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S37)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Other"]
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[null,null,"Beneficiary",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G39)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$48","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K39)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$48","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O39)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S39)","v":"Annual"},0]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S40)","v":"Gross (Pre tax)"}]
[]
[null,null,"Contract",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G42)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$50","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K42)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$50","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O42)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S42)","v":"Annual"},0]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S43)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC Earners levy",null,null,"ACC Levy Rate",null,"Maximum Levy",null,"Gross Income Threshold",null,"Maximum Tax",null,"After Tax and ACC Levy Income"]
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[null,null,"Child Support",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G45)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K45)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O45)","v":"Annual"},0,null,1,{"$f":"INDEX($AH$9:$AH$13,S45)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Self-employed",null,null,{"$f":"'Calculator Parameters'!C23","v":1.67E-2},null,{"$f":"'Calculator Parameters'!D23","v":2551.59},null,{"$f":"AM45/AK45","v":152789.82035928144},null,{"$f":"(AO45-AI54)*AK55+AM54","v":38665.529940119763},null,{"$f":"AO45-AQ45-AM45","v":111572.70041916167}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S46)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income Tax"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
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[null,null,null,null,null,null,"Applicant 1",null,null,null,"Applicant 2",null,null,null,"Applicant 3",null,null,null,"Applicant 4",null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,"Annual Financial A/c addbacks",null,null,null,null,{"$f":"'NSR Calculator'!AJ66","v":0},null,null,null,{"$f":"'NSR Calculator'!AO66","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G65:S65)","v":0},null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,"Annual Other Assistance Payments",null,null,null,null,{"$f":"'NSR Calculator'!AJ68","v":0},null,null,null,{"$f":"'NSR Calculator'!AO68","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G66:S66)","v":0},null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,"Student Loan Balance",null,null,null,null,{"$f":"'NSR Calculator'!AJ72","v":0},null,null,null,{"$f":"'NSR Calculator'!AO72","v":0},null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
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[]
[]
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[null,null,"Total -all income sources",null,null,null,{"$f":"G106","v":0},{"$f":"H106","v":0},{"$f":"I106","v":0},null,{"$f":"K106","v":0},{"$f":"L106","v":0},{"$f":"M106","v":0},null,{"$f":"O106","v":0},{"$f":"P106","v":0},{"$f":"Q106","v":0},null,{"$f":"S106","v":0},{"$f":"T106","v":0},{"$f":"U106","v":0},null,null,{"$f":"X106","v":0},{"$f":"Y106","v":0},null,{"$f":"AA106","v":0},null,{"$f":"AC106","v":0},{"$f":"AD106","v":0},{"$f":"AE106","v":0},null,{"$f":"AG106","v":0},null,{"$f":"AI106","v":0},{"$f":"AJ106","v":0},{"$f":"AK106","v":0},null,null,null,{"$f":"AO106","v":0},{"$f":"AP106","v":0},{"$f":"AQ106","v":0},null,null,null,{"$f":"AU106","v":0}]
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[null,null,"KiwiSaver contibution rate",null,null,null,null,null,{"$f":"AC118","v":0},null,null,null,{"$f":"AI118","v":0},null,null,null,{"$f":"AO118","v":0},null,null,null,{"$f":"AU118","v":0}]
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[null,null,"Total Deductions",null,null,null,null,null,{"$f":"I120","v":0},null,null,null,{"$f":"M120","v":0},null,null,null,{"$f":"Q120","v":0},null,null,null,{"$f":"U120","v":0}]
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[null,null,"Annual Inome after tax and deductions",null,null,null,null,null,{"$f":"I118-I122","v":0},null,null,null,{"$f":"M118-M122","v":0},null,null,null,{"$f":"Q118-Q122","v":0},null,null,null,{"$f":"U118-U122","v":0}]
[]
[null,null,"Weighted Annual Income after tax",null,null,null,{"$f":"G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12+(G106-G103)*$AP$19","v":0},null,{"$f":"I79*$AP$9+(I82-I79)*$AP$12+(I85-I82)*$AP$10+(I88-I85)*$AP$16+(I91-I88)*$AP$17+(I94-I91)*$AP$11+(I97-I94)*$AP$18+(I100-I97)*$AP$13+(I103-I100)*$AP$12+(I106-I103)*$AP$19","v":0},null,{"$f":"K79*$AP$9+(K82-K79)*$AP$12+(K85-K82)*$AP$10+(K88-K85)*$AP$16+(K91-K88)*$AP$17+(K94-K91)*$AP$11+(K97-K94)*$AP$18+(K100-K97)*$AP$13+(K103-K100)*$AP$12+(K106-K103)*$AP$19","v":0},null,{"$f":"M79*$AP$9+(M82-M79)*$AP$12+(M85-M82)*$AP$10+(M88-M85)*$AP$16+(M91-M88)*$AP$17+(M94-M91)*$AP$11+(M97-M94)*$AP$18+(M100-M97)*$AP$13+(M103-M100)*$AP$12+(M106-M103)*$AP$19","v":0},null,{"$f":"O79*$AP$9+(O82-O79)*$AP$12+(O85-O82)*$AP$10+(O88-O85)*$AP$16+(O91-O88)*$AP$17+(O94-O91)*$AP$11+(O97-O94)*$AP$18+(O100-O97)*$AP$13+(O103-O100)*$AP$12+(O106-O103)*$AP$19","v":0},null,{"$f":"Q79*$AP$9+(Q82-Q79)*$AP$12+(Q85-Q82)*$AP$10+(Q88-Q85)*$AP$16+(Q91-Q88)*$AP$17+(Q94-Q91)*$AP$11+(Q97-Q94)*$AP$18+(Q100-Q97)*$AP$13+(Q103-Q100)*$AP$12+(Q106-Q103)*$AP$19","v":0},null,{"$f":"S79*$AP$9+(S82-S79)*$AP$12+(S85-S82)*$AP$10+(S88-S85)*$AP$16+(S91-S88)*$AP$17+(S94-S91)*$AP$11+(S97-S94)*$AP$18+(S100-S97)*$AP$13+(S103-S100)*$AP$12+(S106-S103)*$AP$19","v":0},null,{"$f":"U79*$AP$9+(U82-U79)*$AP$12+(U85-U82)*$AP$10+(U88-U85)*$AP$16+(U91-U88)*$AP$17+(U94-U91)*$AP$11+(U97-U94)*$AP$18+(U100-U97)*$AP$13+(U103-U100)*$AP$12+(U106-U103)*$AP$19","v":0}]
[]
[null,null,"Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I131-I122","v":0},null,null,null,{"$f":"M131-M122","v":0},null,null,null,{"$f":"Q131-Q122","v":0},null,null,null,{"$f":"U131-U122","v":0},null,null,"Household Student Loan Payments",null,null,null,{"$f":"AA118+AG118+AM118+AS118","v":0}]
[]
[null,null,"Total All Applicants - Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I133+M133+Q133+U133","v":0},null,null,null,"Total All Applicants - Gross Annual Income",null,null,null,{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+($J$165*$AP$14)+$J$166","v":0},{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+$J$165+$J$166","v":0},null,null,null,null,null,"Has Kiwisaver < 3%",null,{"$f":"AB119+AH119+AN119+AT119","v":0}]
[null,null,"Total All Applicants - WeightedMonthly Income after tax and deductions",null,null,null,null,null,{"$f":"I135/12","v":0},null,null,null,"Total Adjusted Gross Income",null,null,null,{"$f":"(G131+K131+O131+S131)-(I122+M122+Q122+U122)+$W$65+$W$66+J167+J168","v":0}]
[null,null,"Rental Housing Income"]
[null,null,"Weighting",null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Conversion Factors"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expense  and Repayment Frequency",null,null,"To Annual","To Monthly"]
[null,null,"Property One",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,{"$f":"365/7","v":52.142857142857146},{"$f":"365/7/12","v":4.3452380952380958}]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",null,null,{"$f":"365/14","v":26.071428571428573},{"$f":"365/14/12","v":2.1726190476190479}]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,{"$f":"12","v":12},1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly",null,null,4,{"$f":"4/12","v":0.33333333333333331}]
[null,null,"Rent frequency and amount","Rental",null,null,1,{"$f":"INDEX($AH$22:$AH$26,G144)","v":"Weekly"},{"$f":"'NSR Calculator'!AJ77","v":0},{"$f":"INDEX($AH$22:$AK$26,G144,4)*I144","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
[]
[null,null,"Property Two",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G150)","v":"Weekly"},{"$f":"'NSR Calculator'!AO77","v":0},{"$f":"INDEX($AH$22:$AK$26,G150,4)*I150","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Type",null,"Existing SBS Bank loan types",null,null,"Repayment Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Car",null,"Total Residential",null,null,"Table (P and I)"]
[null,null,"Property Three",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Personal",null,"Total Residential Investment",null,null,"Interest Only"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hire Purchase",null,"Total Flexi"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other",null,"Total Commercial"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G156)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G156,4)*I156","v":0}]
[]
[null,null,"Property Four"]
[null,null,"Location",null,null,null,"Address",0]
[null,null,null,null,null,null,null,0]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G162)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G162,4)*I162","v":0}]
[]
[]
[null,null,"Annual Rental Income",null,null,null,null,null,null,{"$f":"J162+J156+J150+J144","v":0}]
[null,null,"Boarder Income",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G166)","v":"Weekly"},{"$f":"'NSR Calculator'!AJ82","v":0},{"$f":"INDEX($AH$22:$AK$26,G166,4)*I166","v":0}]
[null,null,"Weighted Annual Rental Income",null,null,null,null,null,null,{"$f":"J165*$AP$14","v":0}]
[null,null,"Weighted Annual Boarder Income",null,null,null,null,null,null,{"$f":"J166*$AP$15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Loan Term"]
[null,null,"Weighted Monthly Rental Income",null,null,null,null,null,null,{"$f":"(J167+J168)/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Age",null,null,85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Term",null,null,30]
[]
[null,null,null,null,null,null,null,null,null,"Annual",null,"Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Debt Servicing Assumptions"]
[null,null,"Income available for debt servicing incluidng rentals",null,null,null,null,null,null,{"$f":"I135+J167","v":0},null,{"$f":"I136+J169","v":0},null,{"$f":"IF(ABS(J173-L173*12)<=0.01,\"OK\", \"Please Check\")","v":"OK"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSR",null,null,{"$f":"IF(OR(H9=6,H14=TRUE),'Calculator Parameters'!C43,'Calculator Parameters'!C42)","v":0.97499999999999998}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",null,null,{"$f":"IF(D15,'Calculator Parameters'!C46,'Calculator Parameters'!C45)","v":6}]
[null,null,null,null,null,null,"Applicants 1 and 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B49","v":0},null,null,{"$f":"'Calculator Parameters'!C49","v":0},{"$f":"AK175*100","v":0}]
[null,null,"Living Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B48","v":0},null,null,{"$f":"'Calculator Parameters'!C48","v":0}]
[null,null,null,null,null,null,null,null,"Input","Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B52","v":"SBS Interest rate buffer"},null,null,{"$f":"'Calculator Parameters'!C52","v":2.5000000000000001E-2},{"$f":"AK177*100","v":2.5}]
[null,null,"Living Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G178)","v":"Monthly"},{"$f":"'NSR Calculator'!AJ88","v":0},{"$f":"INDEX($AH$140:$AL$144,G178,5)*I178","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LVR",null,null,0.85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B51","v":"SBS Foundation interest rate"},null,null,{"$f":"'Calculator Parameters'!C51","v":0.04}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Initial: NSR=(MC - Rentals +MLA)/MNI, therefore NSR*0.9 +Rentals-MLA = Maximnum MC"]
[null,null,"Other Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G181)","v":"Monthly"},{"$f":"'NSR Calculator'!AO88","v":0},{"$f":"INDEX($AH$140:$AL$144,G181,5)*I181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Suggested: "]
[]
[]
[null,null,"Household",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G184)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G184,5)*I184","v":0}]
[null,null," e.g. Food, clothing, travel, health, entertainment"]
[]
[null,null,"Council Rates",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G187)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G187,5)*I187","v":0}]
[]
[]
[null,null,"Home and Contents Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G190)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G190,5)*I190","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report Requirement"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security located within 50 Km of SBS Bank Branch"]
[null,null,"Health and Life Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G193)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G193,5)*I193","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null," Please include Trauma Cover, Income Protection etc.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,null,"Education",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G196)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G196,5)*I196","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security in town with population > 7,000 people"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Child Support",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G199)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G199,5)*I199","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null," Please include any other Child Care payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,1]
[null,null,"Other 1",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G202)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G202,5)*I202","v":0}]
[]
[null,1]
[null,null,"Other 2",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G205)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G205,5)*I205","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valuation Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Government valuation"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sale & Purchase Agreement"]
[null,null," Total Living Expenses",null,null,null,null,null,null,{"$f":"J178+J181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report",null,null,null," "]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security types, valuation method and maximum LVR- Temporary Input Only"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Where SBS Bank is represented (defined as borrower and/or security being located within 50km of the nearest branch and in a town/centre of at least 7000 people)",null,null,"Where SBS Bank is not represented (defined as borrower and/or security being located more than 50km from the nearest branch and in a town/centre of at least 7000 people"]
[null,null," SBS Bank Loans with fixed repayments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,null,null,null,null,null,null,null,"GV","S&P","RVR","RVR"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept",null,null,null,"Residential property (freehold)   Own use/holiday",null,null,null,null,null,"Residential property (freehold)   Own use/holiday",null,null,0.85,0.85,0.85,0.8]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,null,"Residential property (freehold)   Investment (rental)",null,null,null,null,null,"Residential property (freehold)   Investment (rental)",null,null,0.85,0.85,0.85,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,0.7,0.7,0.7,0.7]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,0.7,0.7,0.7,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B216)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G216>0,H216>0),IF('NSR Calculator'!G98>0,'NSR Calculator'!G98,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J216,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L216)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,I216*K216,G216,),\"\")","v":""},{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,$K$284/12*K216,G216,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),(G216*($AK$179+$AK$177))/12,\"\")","v":""},{"$f":"IF(AND(M216>0,N216>0,O216>0),-PMT(($AK$179+$AK$177)/(Q216*100),$K$284/12*Q216,M216,),\"\")","v":""},null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,0.8,0.8,0.8,0.8]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J216,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N216),N216*K217,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U216),U216*K217,)","v":0},{"$f":"IF(ISNUMBER(V216),V216*K217,)","v":0},null,{"$f":"MAX(N217,U217,V217)","v":0},null,null,{"$f":"IF(ISNUMBER(AA216),AA216*Q217,)","v":0},{"$f":"IF(ISNUMBER(AB216),AB216*Q217,)","v":0},null,{"$f":"MAX(T217,AA217,AB217)","v":0},null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,0.5,0.5,0.5,0.5]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,0.8,0.8,0.8,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B219)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G219>0,H219>0),IF('NSR Calculator'!G100>0,'NSR Calculator'!G100,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J219,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L219)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,I219*K219,G219,),\"\")","v":""},{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,$K$284/12*K219,G219,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),O219*Q219,M219,),\"\")","v":""},{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),$K$284/12*Q219,M219,),\"\")","v":""},null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,0.5,0.5,0.6,0.6]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J219,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N219),N219*K220,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U219),U219*K220,)","v":0},{"$f":"IF(ISNUMBER(V219),V219*K220,)","v":0},null,{"$f":"MAX(N220,U220,V220)","v":0},null,null,{"$f":"IF(ISNUMBER(AA219),AA219*Q220,)","v":0},{"$f":"IF(ISNUMBER(AB219),AB219*Q220,)","v":0},null,{"$f":"MAX(T220,AA220,AB220)","v":0},null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,0.8,0.8,0.8,0.7]
[]
[null,1,"SBS Bank Loan Fixed Repayments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N217+N220","v":0},null,null,null,null,null,null,{"$f":"U217+U220","v":0},{"$f":"V217+V220","v":0},null,{"$f":"X217+X220","v":0},null,null,{"$f":"AA217+AA220","v":0},{"$f":"AB217+AB220","v":0},null,{"$f":"AD217+AD220","v":0}]
[]
[null,1]
[null,1]
[null,null,"Existing Other Bank mortgage debt"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept"]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"}]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming"]
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[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J231,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N231),N231*K232,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U231),U231*K232,)","v":0},{"$f":"IF(ISNUMBER(V231),V231*K232,)","v":0},null,{"$f":"MAX(N232,U232,V232)","v":0},null,null,{"$f":"IF(ISNUMBER(AA231),AA231*Q232,)","v":0},{"$f":"IF(ISNUMBER(AB231),AB231*Q232,)","v":0},null,{"$f":"MAX(T232,AA232,AB232)","v":0}]
[null,1]
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[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J234,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N234),N234*K235,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U234),U234*K235,)","v":0},{"$f":"IF(ISNUMBER(V234),V234*K235,)","v":0},null,{"$f":"MAX(N235,U235,V235)","v":0},null,null,{"$f":"IF(ISNUMBER(AA234),AA234*Q235,)","v":0},{"$f":"IF(ISNUMBER(AB234),AB234*Q235,)","v":0},null,{"$f":"MAX(T235,AA235,AB235)","v":0}]
[null,1]
[null,1,"Other Bank P & I payments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N232+N235","v":0},null,null,null,null,null,null,{"$f":"U232+U235","v":0},{"$f":"V232+V235","v":0},null,{"$f":"X232+X235","v":0},null,null,{"$f":"AA232+AA235","v":0},{"$f":"AB232+AB235","v":0},null,{"$f":"AD232+AD235","v":0}]
[null,1]
[null,1]
[null,1]
[]
[null,1]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Proposed Loan"]
[]
[null,null,"Loan Amount",null,0,null,"Loan Term",null,null,0,"Scenario rate"]
[null,null,null,null,"+ Buffer","Monthly",null,null,null,{"$f":"MIN($AK$169-G5,$AK$169-K5,$AK$169-O5,$AK$169-S5)","v":85},"Household min by age"]
[null,null,"Rate",{"$f":"IF(J282>0,J282,$AK$179)","v":0.04},{"$f":"D284+$AK$177","v":6.5000000000000002E-2},{"$f":"E284/12","v":5.4166666666666669E-3},"Proposed maximum loan term",null,null,null,{"$f":"Calculation!K284","v":360}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K286>11,K286<24),\"1 year \",IF(K286>23,INT(K286/12)&\" years \",))&IF(MOD(K286,12)=1,\" 1 month\",IF(MOD(K286,12)>1,MOD(K286,12)&\" months\",))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K288>11,K288<24),\"1 year \",IF(K288>23,INT(K288/12)&\" years \",))&IF(MOD(K288,12)=1,\" 1 month\",IF(MOD(K288,12)>1,MOD(K288,12)&\" months\",))","v":""}]
[]
[]
[null,null,"Monthly Income available for debt servicing - calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SBS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Item",null,null,null,null,"HH1","HH2","HH3","HH4"]
[null,null,"Monthly Net Income ",null,null,null,null,null,{"$f":"(I135+SUM(F335:L335))/12","v":0},null,null,null,null,null,null,null,null,null,null,null,"MLA - Monthly Living Allowance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Table MLA",null,null,null,{"$f":"MLA!D7","v":0},{"$f":"MLA!E7","v":0},{"$f":"MLA!F7","v":0},{"$f":"MLA!G7","v":0}]
[null,null,"MLA",null,null,null,{"$f":"MLA!E7","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly Living",null,null,null,{"$f":"J208","v":0},"-   ","-   ","-   "]
[null,null,"Monthly Living expenses Application",null,null,null,{"$f":"J208","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max",null,null,null,{"$f":"MAX(Z294:Z295)","v":0},0,0,0]
[null,null,"Monthly Living expenses - (Max of MLA and application)",null,null,null,null,null,{"$f":"MAX(G295:G296)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"MLA",null,null,null,{"$f":"SUM(Z296:AC296)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MC - Monthly Debt Commitments",null,null,null,null,null,"IO"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"SBS Bank Loan - Fixed Repayments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"SBS Bank Loan - Fixed Repayments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Current Commitments",null,null,null,{"$f":"R303+R309+I315+I317","v":0},{"$f":"R303+R309+I315+I317","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N222","v":0},null,null,null,null,"New Commitments",null,null,null,{"$f":"Calculation!Z300","v":0},{"$f":"Calculation!AA300","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U222","v":0},null,null,null,null,"MC",null,null,null,{"$f":"SUM(Z299:Z300)","v":0},{"$f":"SUM(AA299:AA300)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V222","v":0},null,null,null,"Total Monthly Commitments",null,null,null,null,{"$f":"Z297+Z301","v":0},{"$f":"AA301+Z297","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X222","v":0},{"$f":"R303-I303","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MNI - Monthly Net Income"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Other Bank P & I payments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"Other Bank P & I payments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Monthly Income",null,null,null,{"$f":"(I135/12)+N335","v":0},{"$f":"(I135/12)+N335","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V237","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X237","v":0},{"$f":"R309-I309","v":0}]
[]
[null,null,"Other Loan - Fixed Repayments - Monthly"]
[null,null,"Actual",null,null,null,{"$f":"N252","v":0}]
[null,null,"Calculated P&I",null,null,null,{"$f":"O252","v":0}]
[null,null,"Calculated P&I Max Term",null,null,null,{"$f":"P252","v":0},null,null,null,"Previously used"]
[null,null,"Actual P&I",null,null,null,null,null,{"$f":"G312","v":0},null,"Maximum of Other Loan Repayment (Input and Calculated Values)",null,null,null,null,null,{"$f":"R252","v":0}]
[]
[null,null,"Monthly Credit Card Limit",null,null,null,null,null,{"$f":"I277","v":0}]
[]
[null,"Deduct","Rental Income",null,null,null,null,null,{"$f":"J169","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Monthly Business Income"]
[null,null,"Business income",null,null,{"$f":"('NSR Calculator'!AJ66+'NSR Calculator'!AJ68)*$AP$12","v":0},null,{"$f":"('NSR Calculator'!AO66+'NSR Calculator'!AO68)*$AP$12","v":0},null,0,null,0,null,{"$f":"SUM(F335,H335,J335,L335)/12","v":0}]

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[null,"Age of applicants",null,null,null,null,{"$f":"'NSR Calculator'!AU25","v":0},null,null,null,{"$f":"'NSR Calculator'!AZ25","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"MIN($AK$169-G5,$AK$169-K5,$AK$169-O5,$AK$169-S5)","v":85},"Household min by age"]
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[null,null,null,null,null,null,null,3,null,{"$f":"CONCATENATE(\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,12,1,null,"Overtime ",null,{"$f":"'Calculator Parameters'!C11","v":0.8},null,"Includes Allowance,Bonus,Overtime, Investment"]
[null,null,null,null,null,null,null,null,{"$f":"Calculation!I11","v":"Retail Lending: NSR should be 97.5% or less for approval"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",null,null,26.071428571428573,{"$f":"365/14/12","v":2.1726190476190479},null,"Commission",null,{"$f":"'Calculator Parameters'!C14","v":0.75}]
[null,"Children in household",null,null,{"$f":"'NSR Calculator'!AZ16","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,52.142857142857146,{"$f":"365/7/12","v":4.3452380952380958},null,"Self-employed",null,{"$f":"'Calculator Parameters'!C15","v":1},null,"Includes Contract, Business Income"]
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[null,"Investment",null,{"$f":"Calculation!D15","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax status",null,null,null,null,null,"Boarder",null,{"$f":"'Calculator Parameters'!C20","v":0.8}]
[null,"Income input data (excluding rentals)  source and amount ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross (Pre tax)",null,null,null,null,null,"Bonus",null,{"$f":"'Calculator Parameters'!C12","v":0.7}]
[null,null,null,null,null,null,"Applicant 1",null,null,null,"Applicant 2 ",null,null,null,"Applicant 3",null,null,null,"Applicant 4",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net (After tax)",null,null,null,null,null,"Allowance",null,{"$f":"'Calculator Parameters'!C13","v":0.8}]
[null,null,"Salary or Wages",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G18)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$27","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K18)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$27","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O18)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S18)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Investment",null,{"$f":"'Calculator Parameters'!C18","v":0.5}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G19)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K19)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O19)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S19)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Child Support",null,{"$f":"'Calculator Parameters'!C19","v":0.8}]
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[null,null,"Self-employed",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G21)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$30","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K21)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$30","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O21)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S21)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Rental Frequency List",null,null,"To Annual","To Monthly"]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G22)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K22)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O22)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S22)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,{"$f":"365/7","v":52.142857142857146},{"$f":"365/7/12","v":4.3452380952380958}]
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[null,null,"Overtime ",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G24)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$33","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K24)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$33","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O24)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S24)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,{"$f":"12","v":12},1]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G25)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K25)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O25)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S25)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
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[null,null,"Bonus",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G27)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$36","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K27)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$36","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O27)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S27)","v":"Annual"},0]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S28)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Student Loan",null,null,"Threshold","Rate"]
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[null,null,"Allowance",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G30)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$39","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K30)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$39","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O30)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S30)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Yes",null,null,{"$f":"'Calculator Parameters'!B38","v":24128},{"$f":"'Calculator Parameters'!C38","v":0.12}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S31)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KiwiSaver"]
[null,null,"Commission",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G33)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$42","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K33)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$42","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O33)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S33)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S34)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B57","v":0.03}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B58","v":0.04}]
[null,null,"Investment",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G36)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$45","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K36)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$45","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O36)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S36)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B59","v":0.08}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S37)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Other"]
[]
[null,null,"Beneficiary",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G39)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$48","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K39)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$48","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O39)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S39)","v":"Annual"},0]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S40)","v":"Gross (Pre tax)"}]
[]
[null,null,"Contract",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G42)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$50","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K42)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$50","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O42)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S42)","v":"Annual"},0]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S43)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC Earners levy",null,null,"ACC Levy Rate",null,"Maximum Levy",null,"Gross Income Threshold",null,"Maximum Tax",null,"After Tax and ACC Levy Income"]
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[null,null,"Child Support",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G45)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K45)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O45)","v":"Annual"},0,null,1,{"$f":"INDEX($AH$9:$AH$13,S45)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Self-employed",null,null,{"$f":"'Calculator Parameters'!C23","v":1.67E-2},null,{"$f":"'Calculator Parameters'!D23","v":2551.59},null,{"$f":"AM45/AK45","v":152789.82035928144},null,{"$f":"(AO45-AI54)*AK55+AM54","v":38665.529940119763},null,{"$f":"AO45-AQ45-AM45","v":111572.70041916167}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S46)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income Tax"]
[null,null,null,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income  Bands",null,null,"Marginal Tax Rate",null,"Maximum Tax",null,"Marginal Gross-up Rate",null,"After Tax Income"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B31","v":53500.01},{"$f":"'Calculator Parameters'!C31","v":78100},null,{"$f":"'Calculator Parameters'!D31","v":0.3},null,{"$f":"AM52+(AI53-AI52)*AK53","v":15650.5},null,{"$f":"1/(1-AK53)","v":1.4285714285714286},null,{"$f":"AI53-AM53","v":62449.5}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
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[null,null,null,null,null,null,"Applicant 1",null,null,null,"Applicant 2",null,null,null,"Applicant 3",null,null,null,"Applicant 4",null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,"Annual Financial A/c addbacks",null,null,null,null,{"$f":"'NSR Calculator'!AU66","v":0},null,null,null,{"$f":"'NSR Calculator'!AZ66","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G65:S65)","v":0},null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,"Annual Other Assistance Payments",null,null,null,null,{"$f":"'NSR Calculator'!AU68","v":0},null,null,null,{"$f":"'NSR Calculator'!AZ68","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G66:S66)","v":0},null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,"Student Loan Balance",null,null,null,null,{"$f":"'NSR Calculator'!AU72","v":0},null,null,null,{"$f":"'NSR Calculator'!AZ72","v":0},null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(NI + TaxStep - Thresh * Marginal Tax Rate) = GI - GI * Marginal Tax Rate - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","(NI + TaxStep - Thresh * Marginal Tax Rate + Max ACC Levy) = GI - GI * Marginal Tax Rate "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(NI + TaxStep - Thresh * Marginal Tax Rate)/(1 -Marginal Tax Rate - ACC Rate)  = GI ",null,null,null,null,null,null,null,null,"OR ","(NI + TaxStep - Thresh * Marginal Tax Rate + Max ACC Levy)/(1 -Marginal Tax Rate) = GI"]
[]
[]
[null,"Income (excluding rentals) after tax annual and monthly"]
[null,null,null,null,null,null,"Annual","Annual","Annual",null,"Annual","Annual","Annual",null,"Annual","Annual","Annual",null,"Annual","Annual","Annual"]
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[]
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[null,null,null,null,null,null,{"$f":"MAX(G104:G105)","v":0},{"$f":"MAX(H104:H105)","v":0},{"$f":"MAX(I104:I105)","v":0},{"$f":"K106-AG106-AI106","v":0},{"$f":"MAX(K104:K105)","v":0},{"$f":"MAX(L104:L105)","v":0},{"$f":"MAX(M104:M105)","v":0},{"$f":"O106-AM106-AO106","v":0},{"$f":"MAX(O104:O105)","v":0},{"$f":"MAX(P104:P105)","v":0},{"$f":"MAX(Q104:Q105)","v":0},{"$f":"S106-AS106-AU106","v":0},{"$f":"MAX(S104:S105)","v":0},{"$f":"MAX(T104:T105)","v":0},{"$f":"MAX(U104:U105)","v":0},null,null,{"$f":"MAX(X104:X105)","v":0},{"$f":"MAX(Y104:Y105)","v":0},null,{"$f":"MAX(AA104:AA105)","v":0},null,{"$f":"MAX(AC104:AC105)+AC103","v":0},{"$f":"MAX(AD104:AD105)","v":0},0,null,{"$f":"MAX(AG104:AG105)","v":0},null,{"$f":"MAX(AI104:AI105)+AI103","v":0},{"$f":"MAX(AJ104:AJ105)","v":0},0,null,null,null,{"$f":"MAX(AO104:AO105)+AO103","v":0},{"$f":"MAX(AP104:AP105)","v":0},0,null,null,null,{"$f":"MAX(AU104:AU105)+AU103","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
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[null,null,"Total -all income sources",null,null,null,{"$f":"G106","v":0},{"$f":"H106","v":0},{"$f":"I106","v":0},null,{"$f":"K106","v":0},{"$f":"L106","v":0},{"$f":"M106","v":0},null,{"$f":"O106","v":0},{"$f":"P106","v":0},{"$f":"Q106","v":0},null,{"$f":"S106","v":0},{"$f":"T106","v":0},{"$f":"U106","v":0},null,null,{"$f":"X106","v":0},{"$f":"Y106","v":0},null,{"$f":"AA106","v":0},null,{"$f":"AC106","v":0},{"$f":"AD106","v":0},{"$f":"AE106","v":0},null,{"$f":"AG106","v":0},null,{"$f":"AI106","v":0},{"$f":"AJ106","v":0},{"$f":"AK106","v":0},null,null,null,{"$f":"AO106","v":0},{"$f":"AP106","v":0},{"$f":"AQ106","v":0},null,null,null,{"$f":"AU106","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AB78+AB81+AB84+AB87+AB90+AB93+AB96+AB99+AB102+AB105","v":0},null,null,null,null,null,{"$f":"AH78+AH81+AH84+AH87+AH90+AH93+AH96+AH99+AH102+AH105","v":0}]
[null,null,"KiwiSaver contibution rate",null,null,null,null,null,{"$f":"AC118","v":0},null,null,null,{"$f":"AI118","v":0},null,null,null,{"$f":"AO118","v":0},null,null,null,{"$f":"AU118","v":0}]
[]
[null,null,"Total Deductions",null,null,null,null,null,{"$f":"I120","v":0},null,null,null,{"$f":"M120","v":0},null,null,null,{"$f":"Q120","v":0},null,null,null,{"$f":"U120","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,"Annual Inome after tax and deductions",null,null,null,null,null,{"$f":"I118-I122","v":0},null,null,null,{"$f":"M118-M122","v":0},null,null,null,{"$f":"Q118-Q122","v":0},null,null,null,{"$f":"U118-U122","v":0}]
[]
[null,null,"Weighted Annual Income after tax",null,null,null,{"$f":"G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12+(G106-G103)*$AP$19","v":0},null,{"$f":"I79*$AP$9+(I82-I79)*$AP$12+(I85-I82)*$AP$10+(I88-I85)*$AP$16+(I91-I88)*$AP$17+(I94-I91)*$AP$11+(I97-I94)*$AP$18+(I100-I97)*$AP$13+(I103-I100)*$AP$12+(I106-I103)*$AP$19","v":0},null,{"$f":"K79*$AP$9+(K82-K79)*$AP$12+(K85-K82)*$AP$10+(K88-K85)*$AP$16+(K91-K88)*$AP$17+(K94-K91)*$AP$11+(K97-K94)*$AP$18+(K100-K97)*$AP$13+(K103-K100)*$AP$12+(K106-K103)*$AP$19","v":0},null,{"$f":"M79*$AP$9+(M82-M79)*$AP$12+(M85-M82)*$AP$10+(M88-M85)*$AP$16+(M91-M88)*$AP$17+(M94-M91)*$AP$11+(M97-M94)*$AP$18+(M100-M97)*$AP$13+(M103-M100)*$AP$12+(M106-M103)*$AP$19","v":0},null,{"$f":"O79*$AP$9+(O82-O79)*$AP$12+(O85-O82)*$AP$10+(O88-O85)*$AP$16+(O91-O88)*$AP$17+(O94-O91)*$AP$11+(O97-O94)*$AP$18+(O100-O97)*$AP$13+(O103-O100)*$AP$12+(O106-O103)*$AP$19","v":0},null,{"$f":"Q79*$AP$9+(Q82-Q79)*$AP$12+(Q85-Q82)*$AP$10+(Q88-Q85)*$AP$16+(Q91-Q88)*$AP$17+(Q94-Q91)*$AP$11+(Q97-Q94)*$AP$18+(Q100-Q97)*$AP$13+(Q103-Q100)*$AP$12+(Q106-Q103)*$AP$19","v":0},null,{"$f":"S79*$AP$9+(S82-S79)*$AP$12+(S85-S82)*$AP$10+(S88-S85)*$AP$16+(S91-S88)*$AP$17+(S94-S91)*$AP$11+(S97-S94)*$AP$18+(S100-S97)*$AP$13+(S103-S100)*$AP$12+(S106-S103)*$AP$19","v":0},null,{"$f":"U79*$AP$9+(U82-U79)*$AP$12+(U85-U82)*$AP$10+(U88-U85)*$AP$16+(U91-U88)*$AP$17+(U94-U91)*$AP$11+(U97-U94)*$AP$18+(U100-U97)*$AP$13+(U103-U100)*$AP$12+(U106-U103)*$AP$19","v":0}]
[]
[null,null,"Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I131-I122","v":0},null,null,null,{"$f":"M131-M122","v":0},null,null,null,{"$f":"Q131-Q122","v":0},null,null,null,{"$f":"U131-U122","v":0},null,null,"Household Student Loan Payments",null,null,null,{"$f":"AA118+AG118+AM118+AS118","v":0}]
[]
[null,null,"Total All Applicants - Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I133+M133+Q133+U133","v":0},null,null,null,"Total All Applicants - Gross Annual Income",null,null,null,{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+($J$165*$AP$14)+$J$166","v":0},{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+$J$165+$J$166","v":0},null,null,null,null,null,"Has Kiwisaver < 3%",null,{"$f":"AB119+AH119+AN119+AT119","v":0}]
[null,null,"Total All Applicants - WeightedMonthly Income after tax and deductions",null,null,null,null,null,{"$f":"I135/12","v":0},null,null,null,"Total Adjusted Gross Income",null,null,null,{"$f":"(G131+K131+O131+S131)-(I122+M122+Q122+U122)+$W$65+$W$66+J167+J168","v":0}]
[null,null,"Rental Housing Income"]
[null,null,"Weighting",null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Conversion Factors"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expense  and Repayment Frequency",null,null,"To Annual","To Monthly"]
[null,null,"Property One",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,{"$f":"365/7","v":52.142857142857146},{"$f":"365/7/12","v":4.3452380952380958}]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",null,null,{"$f":"365/14","v":26.071428571428573},{"$f":"365/14/12","v":2.1726190476190479}]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,{"$f":"12","v":12},1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly",null,null,4,{"$f":"4/12","v":0.33333333333333331}]
[null,null,"Rent frequency and amount","Rental",null,null,1,{"$f":"INDEX($AH$22:$AH$26,G144)","v":"Weekly"},{"$f":"'NSR Calculator'!AU77","v":0},{"$f":"INDEX($AH$22:$AK$26,G144,4)*I144","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
[]
[null,null,"Property Two",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G150)","v":"Weekly"},{"$f":"'NSR Calculator'!AZ77","v":0},{"$f":"INDEX($AH$22:$AK$26,G150,4)*I150","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Type",null,"Existing SBS Bank loan types",null,null,"Repayment Type"]
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[null,null,"Property Three",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Personal",null,"Total Residential Investment",null,null,"Interest Only"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hire Purchase",null,"Total Flexi"]
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[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G156)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G156,4)*I156","v":0}]
[]
[null,null,"Property Four"]
[null,null,"Location",null,null,null,"Address",0]
[null,null,null,null,null,null,null,0]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G162)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G162,4)*I162","v":0}]
[]
[]
[null,null,"Annual Rental Income",null,null,null,null,null,null,{"$f":"J162+J156+J150+J144","v":0}]
[null,null,"Boarder Income",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G166)","v":"Weekly"},{"$f":"'NSR Calculator'!AU82","v":0},{"$f":"INDEX($AH$22:$AK$26,G166,4)*I166","v":0}]
[null,null,"Weighted Annual Rental Income",null,null,null,null,null,null,{"$f":"J165*$AP$14","v":0}]
[null,null,"Weighted Annual Boarder Income",null,null,null,null,null,null,{"$f":"J166*$AP$15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Loan Term"]
[null,null,"Weighted Monthly Rental Income",null,null,null,null,null,null,{"$f":"(J167+J168)/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Age",null,null,85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Term",null,null,30]
[]
[null,null,null,null,null,null,null,null,null,"Annual",null,"Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Debt Servicing Assumptions"]
[null,null,"Income available for debt servicing incluidng rentals",null,null,null,null,null,null,{"$f":"I135+J167","v":0},null,{"$f":"I136+J169","v":0},null,{"$f":"IF(ABS(J173-L173*12)<=0.01,\"OK\", \"Please Check\")","v":"OK"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSR",null,null,{"$f":"IF(OR(H9=6,H14=TRUE),'Calculator Parameters'!C43,'Calculator Parameters'!C42)","v":0.97499999999999998}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",null,null,{"$f":"IF(D15,'Calculator Parameters'!C46,'Calculator Parameters'!C45)","v":6}]
[null,null,null,null,null,null,"Applicants 1 and 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B49","v":0},null,null,{"$f":"'Calculator Parameters'!C49","v":0},{"$f":"AK175*100","v":0}]
[null,null,"Living Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B48","v":0},null,null,{"$f":"'Calculator Parameters'!C48","v":0}]
[null,null,null,null,null,null,null,null,"Input","Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B52","v":"SBS Interest rate buffer"},null,null,{"$f":"'Calculator Parameters'!C52","v":2.5000000000000001E-2},{"$f":"AK177*100","v":2.5}]
[null,null,"Living Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G178)","v":"Monthly"},{"$f":"'NSR Calculator'!AU88","v":0},{"$f":"INDEX($AH$140:$AL$144,G178,5)*I178","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LVR",null,null,0.85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B51","v":"SBS Foundation interest rate"},null,null,{"$f":"'Calculator Parameters'!C51","v":0.04}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Initial: NSR=(MC - Rentals +MLA)/MNI, therefore NSR*0.9 +Rentals-MLA = Maximnum MC"]
[null,null,"Other Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G181)","v":"Monthly"},{"$f":"'NSR Calculator'!AZ88","v":0},{"$f":"INDEX($AH$140:$AL$144,G181,5)*I181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Suggested: "]
[]
[]
[null,null,"Household",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G184)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G184,5)*I184","v":0}]
[null,null," e.g. Food, clothing, travel, health, entertainment"]
[]
[null,null,"Council Rates",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G187)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G187,5)*I187","v":0}]
[]
[]
[null,null,"Home and Contents Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G190)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G190,5)*I190","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report Requirement"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security located within 50 Km of SBS Bank Branch"]
[null,null,"Health and Life Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G193)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G193,5)*I193","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null," Please include Trauma Cover, Income Protection etc.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,null,"Education",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G196)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G196,5)*I196","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security in town with population > 7,000 people"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Child Support",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G199)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G199,5)*I199","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null," Please include any other Child Care payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,1]
[null,null,"Other 1",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G202)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G202,5)*I202","v":0}]
[]
[null,1]
[null,null,"Other 2",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G205)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G205,5)*I205","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valuation Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Government valuation"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sale & Purchase Agreement"]
[null,null," Total Living Expenses",null,null,null,null,null,null,{"$f":"J178+J181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report",null,null,null," "]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security types, valuation method and maximum LVR- Temporary Input Only"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Where SBS Bank is represented (defined as borrower and/or security being located within 50km of the nearest branch and in a town/centre of at least 7000 people)",null,null,"Where SBS Bank is not represented (defined as borrower and/or security being located more than 50km from the nearest branch and in a town/centre of at least 7000 people"]
[null,null," SBS Bank Loans with fixed repayments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,null,null,null,null,null,null,null,"GV","S&P","RVR","RVR"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept",null,null,null,"Residential property (freehold)   Own use/holiday",null,null,null,null,null,"Residential property (freehold)   Own use/holiday",null,null,0.85,0.85,0.85,0.8]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,null,"Residential property (freehold)   Investment (rental)",null,null,null,null,null,"Residential property (freehold)   Investment (rental)",null,null,0.85,0.85,0.85,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,0.7,0.7,0.7,0.7]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,0.7,0.7,0.7,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B216)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G216>0,H216>0),IF('NSR Calculator'!G98>0,'NSR Calculator'!G98,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J216,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L216)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,I216*K216,G216,),\"\")","v":""},{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,$K$284/12*K216,G216,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),(G216*($AK$179+$AK$177))/12,\"\")","v":""},{"$f":"IF(AND(M216>0,N216>0,O216>0),-PMT(($AK$179+$AK$177)/(Q216*100),$K$284/12*Q216,M216,),\"\")","v":""},null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,0.8,0.8,0.8,0.8]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J216,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N216),N216*K217,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U216),U216*K217,)","v":0},{"$f":"IF(ISNUMBER(V216),V216*K217,)","v":0},null,{"$f":"MAX(N217,U217,V217)","v":0},null,null,{"$f":"IF(ISNUMBER(AA216),AA216*Q217,)","v":0},{"$f":"IF(ISNUMBER(AB216),AB216*Q217,)","v":0},null,{"$f":"MAX(T217,AA217,AB217)","v":0},null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,0.5,0.5,0.5,0.5]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,0.8,0.8,0.8,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B219)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G219>0,H219>0),IF('NSR Calculator'!G100>0,'NSR Calculator'!G100,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J219,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L219)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,I219*K219,G219,),\"\")","v":""},{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,$K$284/12*K219,G219,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),O219*Q219,M219,),\"\")","v":""},{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),$K$284/12*Q219,M219,),\"\")","v":""},null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,0.5,0.5,0.6,0.6]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J219,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N219),N219*K220,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U219),U219*K220,)","v":0},{"$f":"IF(ISNUMBER(V219),V219*K220,)","v":0},null,{"$f":"MAX(N220,U220,V220)","v":0},null,null,{"$f":"IF(ISNUMBER(AA219),AA219*Q220,)","v":0},{"$f":"IF(ISNUMBER(AB219),AB219*Q220,)","v":0},null,{"$f":"MAX(T220,AA220,AB220)","v":0},null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,0.8,0.8,0.8,0.7]
[]
[null,1,"SBS Bank Loan Fixed Repayments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N217+N220","v":0},null,null,null,null,null,null,{"$f":"U217+U220","v":0},{"$f":"V217+V220","v":0},null,{"$f":"X217+X220","v":0},null,null,{"$f":"AA217+AA220","v":0},{"$f":"AB217+AB220","v":0},null,{"$f":"AD217+AD220","v":0}]
[]
[null,1]
[null,1]
[null,null,"Existing Other Bank mortgage debt"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept"]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"}]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming"]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B231)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G231>0,H231>0),IF('NSR Calculator'!G107>0,'NSR Calculator'!G107,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J231,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L231)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G231>0,H231>0,I231>0),-PMT(($AK$179+$AK$177)/K231,I231*K231,G231,),\"\")","v":""},{"$f":"IF(AND(G231>0,H231>0,I231>0),-PMT(($AK$179+$AK$177)/K231,$K$284/12*K231,G231,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M231>0,N231>0,O231>0),-PMT(($AK$179+$AK$177)/(Q231*100),O231*Q231,M231,),\"\")","v":""},{"$f":"IF(AND(M231>0,N231>0,O231>0),-PMT(($AK$179+$AK$177)/(Q231*100),$K$284/12*Q231,M231,),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J231,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N231),N231*K232,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U231),U231*K232,)","v":0},{"$f":"IF(ISNUMBER(V231),V231*K232,)","v":0},null,{"$f":"MAX(N232,U232,V232)","v":0},null,null,{"$f":"IF(ISNUMBER(AA231),AA231*Q232,)","v":0},{"$f":"IF(ISNUMBER(AB231),AB231*Q232,)","v":0},null,{"$f":"MAX(T232,AA232,AB232)","v":0}]
[null,1]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B234)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G234>0,H234>0),IF('NSR Calculator'!G109>0,'NSR Calculator'!G109,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J234,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L234)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G234>0,H234>0,I234>0),-PMT(($AK$179+$AK$177)/K234,I234*K234,G234,),\"\")","v":""},{"$f":"IF(AND(G234>0,H234>0,I234>0),-PMT(($AK$179+$AK$177)/K234,$K$284/12*K234,G234,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M234>0,N234>0,O234>0),-PMT(($AK$179+$AK$177)/(Q234*100),O234*Q234,M234,),\"\")","v":""},{"$f":"IF(AND(M234>0,N234>0,O234>0),-PMT(($AK$179+$AK$177)/(Q234*100),$K$284/12*Q234,M234,),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J234,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N234),N234*K235,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U234),U234*K235,)","v":0},{"$f":"IF(ISNUMBER(V234),V234*K235,)","v":0},null,{"$f":"MAX(N235,U235,V235)","v":0},null,null,{"$f":"IF(ISNUMBER(AA234),AA234*Q235,)","v":0},{"$f":"IF(ISNUMBER(AB234),AB234*Q235,)","v":0},null,{"$f":"MAX(T235,AA235,AB235)","v":0}]
[null,1]
[null,1,"Other Bank P & I payments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N232+N235","v":0},null,null,null,null,null,null,{"$f":"U232+U235","v":0},{"$f":"V232+V235","v":0},null,{"$f":"X232+X235","v":0},null,null,{"$f":"AA232+AA235","v":0},{"$f":"AB232+AB235","v":0},null,{"$f":"AD232+AD235","v":0}]
[null,1]
[null,1]
[null,1]
[]
[null,1]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Proposed Loan"]
[]
[null,null,"Loan Amount",null,0,null,"Loan Term",null,null,0,"Scenario rate"]
[null,null,null,null,"+ Buffer","Monthly",null,null,null,{"$f":"MIN($AK$169-G5,$AK$169-K5,$AK$169-O5,$AK$169-S5)","v":85},"Household min by age"]
[null,null,"Rate",{"$f":"IF(J282>0,J282,$AK$179)","v":0.04},{"$f":"D284+$AK$177","v":6.5000000000000002E-2},{"$f":"E284/12","v":5.4166666666666669E-3},"Proposed maximum loan term",null,null,null,{"$f":"Calculation!K284","v":360}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K286>11,K286<24),\"1 year \",IF(K286>23,INT(K286/12)&\" years \",))&IF(MOD(K286,12)=1,\" 1 month\",IF(MOD(K286,12)>1,MOD(K286,12)&\" months\",))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K288>11,K288<24),\"1 year \",IF(K288>23,INT(K288/12)&\" years \",))&IF(MOD(K288,12)=1,\" 1 month\",IF(MOD(K288,12)>1,MOD(K288,12)&\" months\",))","v":""}]
[]
[]
[null,null,"Monthly Income available for debt servicing - calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SBS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Item",null,null,null,null,"HH1","HH2","HH3","HH4"]
[null,null,"Monthly Net Income ",null,null,null,null,null,{"$f":"(I135+SUM(F335:L335))/12","v":0},null,null,null,null,null,null,null,null,null,null,null,"MLA - Monthly Living Allowance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Table MLA",null,null,null,{"$f":"MLA!D7","v":0},{"$f":"MLA!E7","v":0},{"$f":"MLA!F7","v":0},{"$f":"MLA!G7","v":0}]
[null,null,"MLA",null,null,null,{"$f":"MLA!E7","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly Living",null,null,null,{"$f":"J208","v":0},"-   ","-   ","-   "]
[null,null,"Monthly Living expenses Application",null,null,null,{"$f":"J208","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max",null,null,null,{"$f":"MAX(Z294:Z295)","v":0},0,0,0]
[null,null,"Monthly Living expenses - (Max of MLA and application)",null,null,null,null,null,{"$f":"MAX(G295:G296)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"MLA",null,null,null,{"$f":"SUM(Z296:AC296)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MC - Monthly Debt Commitments",null,null,null,null,null,"IO"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"SBS Bank Loan - Fixed Repayments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"SBS Bank Loan - Fixed Repayments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Current Commitments",null,null,null,{"$f":"R303+R309+I315+I317","v":0},{"$f":"R303+R309+I315+I317","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N222","v":0},null,null,null,null,"New Commitments",null,null,null,{"$f":"Calculation!Z300","v":0},{"$f":"Calculation!AA300","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U222","v":0},null,null,null,null,"MC",null,null,null,{"$f":"SUM(Z299:Z300)","v":0},{"$f":"SUM(AA299:AA300)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V222","v":0},null,null,null,"Total Monthly Commitments",null,null,null,null,{"$f":"Z297+Z301","v":0},{"$f":"AA301+Z297","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X222","v":0},{"$f":"R303-I303","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MNI - Monthly Net Income"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Other Bank P & I payments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"Other Bank P & I payments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Monthly Income",null,null,null,{"$f":"(I135/12)+N335","v":0},{"$f":"(I135/12)+N335","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V237","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X237","v":0},{"$f":"R309-I309","v":0}]
[]
[null,null,"Other Loan - Fixed Repayments - Monthly"]
[null,null,"Actual",null,null,null,{"$f":"N252","v":0}]
[null,null,"Calculated P&I",null,null,null,{"$f":"O252","v":0}]
[null,null,"Calculated P&I Max Term",null,null,null,{"$f":"P252","v":0},null,null,null,"Previously used"]
[null,null,"Actual P&I",null,null,null,null,null,{"$f":"G312","v":0},null,"Maximum of Other Loan Repayment (Input and Calculated Values)",null,null,null,null,null,{"$f":"R252","v":0}]
[]
[null,null,"Monthly Credit Card Limit",null,null,null,null,null,{"$f":"I277","v":0}]
[]
[null,"Deduct","Rental Income",null,null,null,null,null,{"$f":"J169","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Monthly Business Income"]
[null,null,"Business income",null,null,{"$f":"('NSR Calculator'!AU66+'NSR Calculator'!AU68)*$AP$12","v":0},null,{"$f":"('NSR Calculator'!AZ66+'NSR Calculator'!AZ68)*$AP$12","v":0},null,0,null,0,null,{"$f":"SUM(F335,H335,J335,L335)/12","v":0}]

{"sheet":"Version","index":6,"n_rows":3921,"n_cols":9,"rows_kept":3921,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Version Control"]
[]
[null,null,"Version",null,"Date","Delta","By","Scope","Description"]
[]
[null,null,1,null,"2013",null,"SBS","Whole Spreadsheet"]
[null,null,2,null,"2014",null,"Deloitte","Whole Spreadsheet","NSR Calculator is on one sheet."]
[null,null,2,null,"2014-06-30","D7139","S Greig","NSR Calculator!B109","Removed the text \"Maximum Allowable Loan Term\" as it was hidden by low row height."]
[null,null,2,null,"2014-06-30","D7139","S Greig","NSR Calculator!L4","Added \"Version 2.0\". This is used by the LA NSR Import facility."]
[null,null,2,null,"2014-07-03","D7139","S Greig","Version!","Add this Version sheet to the NSR Calculator to record changes."]
[null,null,2,null,"2014-07-04","D7156","S Greig","CommandButton2_Click","Changed FileFilter from *.xls to *.xl* when opening an existing LA."]
[null,null,2.1,null,"2014-07-16","D7180","S Greig","NSR Calculator!L4","Changed to \"Version 2.1\"."]
[null,null,2.1,null,"2014-07-16","D7180","S Greig","ThisWorkbook Ln9, Col65","Changed within cell from \"C[-1]\" to \"C[0]\"."]
[null,null,2.2000000000000002,null,"2014-07-23","D7180","S Greig","Whole Spreadsheet","Save the spreadsheet as *.xltm as template with active macros."]
[null,null,2.2999999999999998,null,"2014-07-23","D7180","S Greig","Save_Application Ln130","Close the workbook after saving."]
[null,null,2.2999999999999998,null,"2014-07-23","D7180","S Greig","Workbook_Open Ln8, L23","Ensure Version sheet is hidden when opening."]
[null,null,2.2999999999999998,null,"2014-07-23","D7180","S Greig","Save_Application Ln88-90","Ignore Save if Applicant Name is blank. This was causing runtime error."]
[null,null,2.4,null,"2014-07-24","D7180","S Greig","Save_Application Ln88","Ignore Save if Application Date is blank. This is used in the saved file name."]
[null,null,2.5,null,"2014-07-24","D7180","S Greig","Save_Application Ln88-97","If Applicant Name or Application Date is blank then show message and focus back to cell."]
[null,null,2.6,null,"2014-07-24","D7180","S Greig","Save_Application Ln114-127","Added file save parameters to force overwrite and macro enabled format."]
[null,null,2.7,null,"2014-07-24","D7180","S Greig","Module 2 + 3 + 4","Remove empty modules."]
[null,null,2.7,null,"2014-07-24","D7180","S Greig","CommandButton3_Click","Removed as it calls an empty method."]
[null,null,2.7,null,"2014-07-24","D7180","S Greig","Calculate_Application","Removed as it is an empty method."]
[null,null,2.7,null,"2014-07-25","D7180","S Greig","Project code","Added indenting to the project code."]
[null,null,2.7,null,"2014-07-25","D7180","S Greig","Save_Application Ln116","Removed old commented out code."]
[null,null,2.7,null,"2014-07-25","D7180","S Greig","CheckBox3_Click Ln53","Removed old commented out code."]
[null,null,2.7,null,"2014-07-25","D7180","S Greig","NewOrOld TextBox1_Change","Removed as it is an empty method."]
[null,null,2.7,null,"2014-07-25","D7180","S Greig","NewOrOld UserForm_Click","Removed as it is an empty method."]
[null,null,2.7,null,"2014-07-25","D7180","S Greig","NSR Calculator!C19","Change value in No. of rental properties from 6 to 0."]
[null,null,2.7,null,"2014-07-25","D7180","S Greig","NSR Calculator!B19","Change text from \"Nr. Of Rental Properties\" to \"No. of Rental Properties\"."]
[null,null,2.8,null,"2014-10-15","D7219","S Greig","NSR Calculator!L4","Changed version to 2.8."]
[null,null,2.9,null,"2014-10-30","D7219","S Greig","NSR Calculator!L4","Changed version to 2.9."]
[null,null,2.9,null,"2014-11-21","D7397","S Greig","Calculation!I9","Changed to \"= INDEX($AT$1:$AT$6,$H$9)\" to translate the index."]
[null,null,2.9,null,"2014-11-21","D7397","S Greig","NSR Calculator!C19","Changed from 0 to \"= Calculation!$I$9\" to show the value."]
[null,null,2.9,null,"2014-11-21","D7397","S Greig","NSR Calculator! Fixed/Float","Changed the Fixed/Float drop-down link cell to \"Calculation!$O$213\" to store index."]
[null,null,2.9,null,"2014-11-21","D7397","S Greig","Calculation!P213","Changed to \"=IF($O$213=0,\"\",INDEX($AH$108:$AH$109,$O$213))\" to translate the index."]
[null,null,2.9,null,"2014-11-21","D7397","S Greig","NSR Calculator!L9","Changed to \"= Calculation!$P$213\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","Version!","Added freeze pane for viewing."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C27","Changed to \"= IF(D27=0,\"\",Calculation!$H$18)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C28","Changed to \"=  IF(D27=0,\"\",Calculation!$H$19)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C30","Changed to \"= IF(D30=0,\"\",Calculation!$H$21)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C31","Changed to \"= IF(D30=0,\"\",Calculation!$H$22)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C33","Changed to \"= IF(D33=0,\"\",Calculation!$H$24)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C34","Changed to \"= IF(D33=0,\"\",Calculation!$H$25)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C36","Changed to \"= IF(D36=0,\"\",Calculation!$H$30)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C37","Changed to \"= IF(D36=0,\"\",Calculation!$H$31)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F27","Changed to \"= IF(G27=0,\"\",Calculation!$L$18)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F28","Changed to \"=  IF(G27=0,\"\",Calculation!$L$19)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F30","Changed to \"= IF(G30=0,\"\",Calculation!$L$21)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F31","Changed to \"= IF(G30=0,\"\",Calculation!$L$22)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F33","Changed to \"= IF(G33=0,\"\",Calculation!$L$24)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F34","Changed to \"= IF(G33=0,\"\",Calculation!$L$25)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F36","Changed to \"= IF(G36=0,\"\",Calculation!$L$30)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F37","Changed to \"= IF(G36=0,\"\",Calculation!$L$31)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I27","Changed to \"= IF(J27=0,\"\",Calculation!$P$18)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I28","Changed to \"=  IF(J27=0,\"\",Calculation!$P$19)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I30","Changed to \"= IF(J30=0,\"\",Calculation!$P$21)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I31","Changed to \"= IF(J30=0,\"\",Calculation!$P$22)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I33","Changed to \"= IF(J33=0,\"\",Calculation!$P$24)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I34","Changed to \"= IF(J33=0,\"\",Calculation!$P$25)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I36","Changed to \"= IF(J36=0,\"\",Calculation!$P$30)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I37","Changed to \"= IF(J36=0,\"\",Calculation!$P$31)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L27","Changed to \"= IF(M27=0,\"\",Calculation!$T$18)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L28","Changed to \"=  IF(M27=0,\"\",Calculation!$T$19)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L30","Changed to \"= IF(M30=0,\"\",Calculation!$T$21)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L31","Changed to \"= IF(M30=0,\"\",Calculation!$T$22)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L33","Changed to \"= IF(M33=0,\"\",Calculation!$T$24)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L34","Changed to \"= IF(M33=0,\"\",Calculation!$T$25)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L36","Changed to \"= IF(M36=0,\"\",Calculation!$T$30)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L37","Changed to \"= IF(M36=0,\"\",Calculation!$T$31)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C45","Changed to \"=Calculation!$H$35\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F45","Changed to \"=Calculation!$L$35\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I45","Changed to \"=Calculation!$P$35\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L45","Changed to \"=Calculation!$T$35\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C47","Changed to \"=Calculation!$H$37\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F47","Changed to \"=Calculation!$L$37\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I47","Changed to \"=Calculation!$P$37\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L47","Changed to \"=Calculation!$T$37\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!C60","Changed to \"= IF(D60=0,\"\",Calculation!$H$88)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!F60","Changed to \"= IF(G60=0,\"\",Calculation!$H$94)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!I60","Changed to \"= IF(J60=0,\"\",Calculation!$H$100)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!L60","Changed to \"= IF(M60=0,\"\",Calculation!$H$106)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!B78","Changed to \"= IF(C78=0,\"\",Calculation!$C$160)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!B80","Changed to \"= IF(C80=0,\"\",Calculation!$C$163)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!B87","Changed to \"= IF(C87=0,\"\",Calculation!$C$175)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!B89","Changed to \"= IF(C89=0,\"\",Calculation!$C$178)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!B96","Changed to \"= IF(C96=0,\"\",Calculation!$C$189)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator!B98","Changed to \"= IF(C98=0,\"\",Calculation!$C$191)\" to show the value."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator! Credit/Store","Changed the Credit/Store drop-down width about cell B96 to cover text."]
[null,null,2.9,null,"2014-11-24","D7397","S Greig","NSR Calculator! Credit/Store","Changed the Credit/Store drop-down width about cell B98 to cover text."]
[null,null,2.9,null,"2014-11-25","D7397","S Greig","CheckBox1_Click Ln8+12","Update the cell behind the tick box with the caption to show the value."]
[null,null,2.9,null,"2014-11-25","D7397","S Greig","CheckBox2_Click Ln33+37","Update the cell behind the tick box with the caption to show the value."]
[null,null,2.9,null,"2014-11-25","D7397","S Greig","CheckBox3_Click Ln56-60","Update the cell behind the tick box with the caption to show the value."]
[null,null,2.9,null,"2014-11-25","D7397","S Greig","Save_Application Ln74+94+95","Format the now date as text to get dd/mm/yyyy format."]
[null,null,2.9,null,"2014-11-27","D7459","S Greig","Calculation!M79","Changed to \"Total All Applicants - Gross Annual Income\" to explain total."]
[null,null,2.9,null,"2014-11-27","D7459","S Greig","Calculation!Q79","Changed to \"=G62+K62+O62+S62\" to store the Gross Annual Income."]
[null,null,2.9,null,"2014-11-27","D7459","S Greig","NSR Calculator!E122","Changed to \"Gross Annual Income\"."]
[null,null,2.9,null,"2014-11-27","D7459","S Greig","NSR Calculator!G122","Changed to \"=Calculation!Q79\" with format the same as NSR Calculator!C123."]
[null,null,2.9,null,"2014-11-27","D7459","S Greig","NSR Calculator!C19","Locked the cell as a user could overwrite the formula."]
[null,null,2.9,null,"2014-11-28","D7459","S Greig","unlock_macro Ln8","Unhide Gross Annual Income after unlocking the spreadsheet."]
[null,null,2.9,null,"2014-11-28","D7459","S Greig","lockup_macro Ln17","Hide Gross Annual Income by making it transparent. It will still be in txt file."]
[null,null,3,null,"2014-12-12","D7397","S Greig","NSR Calculator!L4","Changed version to 3.0."]
[null,null,3.1,null,"2014-12-19","D7397","S Greig","NSR Calculator!L4","Changed version to 3.1."]
[null,null,3.1,null,"2014-12-19","D7397","S Greig","NSR Calculator!G122","Change from \"=Calculation!Q79\" to \"=Calculation!Q79+SUM(D51:M51)\" to add EBIT."]
[null,null,3.2,null,"2015-03-13","D7691","S Greig","NSR Calculator!L4","Changed version to 3.2."]
[null,null,3.2,null,"2015-03-13","D7691","S Greig","Calculation!AT125:AW131","Updated Table values."]
[null,null,3.3,null,"2015-05-07","D7805","S Greig","NSR Calculator!L4","Changed version to 3.3."]
[null,null,3.3,null,"2015-05-07","D7805","S Greig","Save_Application Ln104-109","if \"P:\\Public\\Loan Calculations\\\" does not exist then use \"C:\\Loan Calculations\\\"."]
[null,null,3.3,null,"2015-05-07","D7805","S Greig","CommandButton2_Click Ln12-23","if \"P:\\Public\\Loan Calculations\\\" does not exist then use \"C:\\Loan Calculations\\\"."]
[null,null,3.3,null,"2015-05-07","D7805","S Greig","CommandButton2_Click Ln31","Fix spelling \"Openened\" to \"Opened\"."]
[null,null,3.3,null,"2015-05-11","D7805","S Greig","File Properties","Changed company to SBS, added title and subject shows the version."]
[null,null,3.4,null,"2015-05-20","D7803","S Greig","NSR Calculator!L4","Changed version to 3.4. Also change the file properties to reflect this."]
[null,null,3.4,null,"2015-05-20","D7803","S Greig","NSR Calculator!G122","Changed to \"=Calculation!Q79+SUM(D51:M51)+C62\" to add Total Annual Housing Income."]
[null,null,3.5,null,"2015-05-25","D7803","S Greig","NSR Calculator!L4","Changed version to 3.5. Also change the file properties to reflect this."]
[null,null,3.5,null,"2015-05-25","D7803","S Greig","Now *.xltm","The master file is now a template."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","NSR Calculator!TextBox 3 (B2)","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","NSR Calculator!B14","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","NSR Calculator!B75","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","NSR Calculator!B82","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","NSR Calculator!B84","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","NSR Calculator!B91","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","textTest!B12","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","textTest!B148","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","textTest!B159","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","textTest!B162","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","textTest!B173","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","textTest!B208","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!AQ18","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!AT18","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!AJ75","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!AS97","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!AH117","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!AQ135","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!AT135","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!C155","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!C166","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!C228","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!K228","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!C232","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!K232","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!C263","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!C283","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!C299","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!C315","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!C331","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","Calculation!C347","Change \"SBS\" to \"SBS Bank\"."]
[null,null,3.6,null,"2015-11-09","D8306","S Greig","NSR Calculator!L4","Changed version to \"3.6\". Also change the file properties to reflect this."]
[null,null,3.7,null,"2015-11-11","D8306","S Greig","Calculator Parameters!D19","Changed value from \"1713.76\" to \"1741.01\" for ACC Max Levy for Waged."]
[null,null,3.7,null,"2015-11-11","D8306","S Greig","Calculator Parameters!D20","Changed value from \"1683.29\" to \"1713.76\" for ACC Max Levy for Self-employed."]
[null,null,3.7,null,"2015-11-11","D8306","S Greig","Calculator Parameters!D34","Changed value from \"0.1\" to \"0.12\" for Student Loan Rate."]
[null,null,3.7,null,"2015-11-11","D8306","S Greig","Calculation!AL30","Changed value from \"0.12\" to \"='Calculator Parameters'!C34\" for Student Loan Rate."]
[null,null,3.7,null,"2015-11-11","D8306","S Greig","NSR Calculator!L4","Changed version to \"3.7\". Also change the file properties to reflect this."]
[null,null,3.8,null,"2015-11-20","D8306","S Greig","NSR Calculator!L4","Changed colours on \"NSR Calculator\" sheet."]
[null,null,3.8,null,"2015-11-20","D8306","S Greig","NSR Calculator!L4","Changed version to \"3.8\". Also change the file properties to reflect this."]
[null,null,3.9,null,"2016-01-27","D8550","S Greig","NSR Calculator!L4","Changed version to \"3.9\". Also change the file properties to reflect this."]
[null,null,3.9,null,"2016-01-27","D8550","S Greig","NSR Calculator!M8","Changed value to \"Rate of largest $ value new loan\"."]
[null,null,3.9,null,"2016-01-27","D8550","S Greig","NSR Calculator!D77","Changed value to \"Rate of largest $ value loan \"."]
[null,null,3.9,null,"2016-01-27","D8550","S Greig","NSR Calculator!B51","Changed value to \"Financial A/c Add Backs\" was \"EBIT\" related."]
[null,null,3.9,null,"2016-01-27","D8550","S Greig","NSR Calculator!B27","Changed value to \"Salary/Wages/Self Employed/Business\"."]
[null,null,3.9,null,"2016-01-27","D8550","S Greig","Calculator Parameters!C39","Changed value from \"0.6\" to \"1.0\"."]
[null,null,4,null,"2016-03-29","D8749","S Greig","NSR Calculator!L4","Changed version to \"4.0\". Also change the file properties to reflect this."]
[null,null,4,null,"2016-03-29","D8749","S Greig","Calculator Parameters!C39","Changed value from \"1.0\" to \"1.25\"."]
[null,null,4,null,"2016-03-29","D8749","S Greig","Calculator Parameters!C19-C20","Changed value from \"0.0145\" to \"0.0139\"+H258"]
[null,null,4,null,"2016-03-29","D8749","S Greig","Calculator Parameters!C19-C20","Changed format to show 4 decimal places\""]
[null,null,4,null,"2016-03-29","D8749","S Greig","Calculation!AK44-AK45","Changed format to show 4 decimal places\""]
[null,null,4,null,"2016-03-29","D8749","S Greig","Calculator Parameters!D19","Changed value from \"1,741.01\" to \"1,696.68\""]
[null,null,4,null,"2016-03-29","D8749","S Greig","Calculator Parameters!D20","Changed value from \"1,713.76\" to \"1,668.97\" (Previous Wages & Salary Gross * new rate)"]
[null,null,4.0999999999999996,null,"2016-05-16","D8871","S Greig","NSR Calculator!L4","Changed version to \"4.1\". Also change the file properties to reflect this."]
[null,null,4.0999999999999996,null,"2016-05-16","D8871","S Greig","NSR Calculator!M8","Changed value from \"Rate of largest $ value new loan\" to \"Current Floating Rate\"."]
[null,null,4.0999999999999996,null,"2016-05-16","D8871","S Greig","NSR Calculator!D77","Changed value from \"Rate of largest $ value new loan\" to \"Current Floating Rate\"."]
[null,null,4.0999999999999996,null,"2016-05-16","D8871","S Greig","Calculator Parameters!C39","Changed value from \"1.25\" to \"1.50\" (Interest Rate Buffer)"]
[null,null,4.2,null,"2016-08-09","D9095","S Greig","NSR Calculator!L4","Changed version to \"4.2\". Also change the file properties to reflect this."]
[null,null,4.2,null,"2016-08-09","D9095","S Greig","Calculation!AT125-AW131","Changed Monthly Living Allowance table for 1/9/2016."]
[null,null,4.2,null,"2016-08-31","D9095","Kent","NSR Calculator!C11","Changed data validation message from \"YYY\" to \"YYYY\"."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","NSR Calculator!L4","Changed version to \"4.3\". Also change the file properties to reflect this."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","NSR Calculator!B84","Changed from \"Non-SBS Bank Loans\" to \"Personal / Consumer Debt\"."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","NSR Calculator!C86","Changed from \"Balance\" to \"Limit\"."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","NSR Calculator!B91","Changed from \"Non-SBS Bank Loan\" to \"Personal / Consumer Debt\"."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","Calculation!AH76-AH81","Remove \"Housing\" and \"Business\" from the list and move the list up so no spaces."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","NSR Calculator!B87 Control","Changed Format Control Input from \"Calculation!$AH$76:$AH$81\" to  \"Calculation!$AH$76:$AH$79\"."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","NSR Calculator!B87 Control","Changed Format Control Drop down lines from 5 to 4."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","NSR Calculator!B89 Control","Changed Format Control Input from \"Calculation!$AH$76:$AH$81\" to  \"Calculation!$AH$76:$AH$79\"."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","NSR Calculator!B89 Control","Changed Format Control Drop down lines from 5 to 4."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","Calculation!AH87","Changed from \"Total Overdraft Limits\" to \"Total Other Bank OD Limits\"."]
[null,null,4.3,null,"2017-03-17","D9807","S Greig","NSR Calculator!C77","Changed from \"Total Balance\" to \"Total Limit\"."]
[null,null,4.3,null,"2017-03-21","D9807","S Greig","NSR Calculator!B51","Changed from \"Financial A/c Add Backs\" to \"Annual Financial A/c addbacks/Other Assistance Payments\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!A83-O91","Copied lines 74-82 and inserted at line 83 to become new lines 83-91."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!B84","Changed from \"Existing SBS Bank Loans\" to \"Existing Other Bank mortgage debt\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!B91","Changed from \"SBS Bank Loan Fixed Repayments\" to \"Other Bank P & I payments\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!A170-BI184","Copied lines 155-169 and inserted at line 170 to become new lines 170-184."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!C170","Changed from \" SBS Bank Loans with fixed repayments\" to \"Existing Other Bank mortgage debt\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!C181","Changed from \"SBS Bank Loan Fixed Repayments\" to \"Other Bank P & I payments \"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!B87 Control","Changed cell link from \"Calculation!$B$160\" to \"Calculation!$B$175\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!B89 Control","Changed cell link from \"Calculation!$B$163\" to \"Calculation!$B$178\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!G175","Changed from \"='NSR Calculator'!C93\" to \"='NSR Calculator'!C87\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!G178","Changed from \"='NSR Calculator'!C95\" to \"='NSR Calculator'!C89\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!H175","Changed from \"='NSR Calculator'!D93\" to \"='NSR Calculator'!D87\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!H178","Changed from \"='NSR Calculator'!D95\" to \"='NSR Calculator'!D89\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!I175","Changed bit from \"E93\" to \"E87\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!I178","Changed bit from \"E93\" to \"E87\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!I87","Changed from \"=Calculation!O185\" to \"=Calculation!O176\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!I89","Changed from \"=Calculation!O185\" to \"=Calculation!O179\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!I91","Changed from \"=Calculation!O190\" to \"=Calculation!O181\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!","Moved labels down one cell for A21, A55, A66, A73."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!","Reduced line height to 11 pixels for 7,20,21,52,54,55,65,66,72,73,76,83,85,92,94,101,103,110."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!A242-BI247","Copied lines 242-247 and inserted at line 248 to become new lines 248-253."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!C249","Changed from \"SBS Bank Loan - Fixed Repayments\" to \"Other Bank P & I payments\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!C249","Changed from \"&AK106&\" to \"&AK100&\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!K249","Changed from \"SBS Bank Loan - Fixed Repayments\" to \"Other Bank P & I payments\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!G250-R253","Changed 172 to 181 for row reference."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!I265","Added \"+I253\" to the summation."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!J265","Added \"+I253\" to the summation."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!R265","Added \"+R253\" to the summation."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","NSR Calculator!C109","Added \"Calculation!I253\" to the summation."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!O175","Changed from \"AK115\" to \"$AK$100\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!O175","Changed from \"AK115\" to \"$AK$100\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!P175","Changed from \"AK115\" to \"$AK$100\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!P175","Changed from \"AK115\" to \"$AK$100\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!O160","Changed from \"AK100\" to \"$AK$100\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!O163","Changed from \"AK100\" to \"$AK$100\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!P160","Changed from \"AK100\" to \"$AK$100\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!P163","Changed from \"AK100\" to \"$AK$100\"."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!I424","Included \"-I253\" to the calculations."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!J424","Included \"-I253\" to the calculations."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!I426","Included \"-I253\" to the calculations."]
[null,null,4.3,null,"2017-03-27","D9807","S Greig","Calculation!J246","Included \"-I253\" to the calculations."]
[null,null,4.3,null,"2017-03-28","D9807","S Greig","ResetForm_ClearContents","Modify to clear additional dropdowns since adding more rows. Lines 34,38,39,53,54,66."]
[null,null,4.3,null,"2017-03-28","D9807","S Greig","Workbook_Open","Increased cell reference. Line 9."]
[null,null,4.3,null,"2017-03-28","D9807","S Greig","CheckBox1_Click","Increased line reference. Lines 10,14."]
[null,null,4.3,null,"2017-03-28","D9807","S Greig","CheckBox2_Click","Increased line reference. Lines 35,39."]
[null,null,4.3,null,"2017-03-28","D9807","S Greig","lockup_macro","Increased line reference. Line 17."]
[null,null,4.3,null,"2017-03-28","D9807","S Greig","ResetForm_ClearContents","Made references uppercase and rearranged layout."]
[null,null,4.4000000000000004,null,"2017-03-29","D9815","S Greig","NSR Calculator!L4","Changed version to \"4.4\". Also change the file properties to reflect this."]
[null,null,4.4000000000000004,null,"2017-03-29","D9815","S Greig","Calculator Parameters!B34","Changed from 19,084 to 19,136. (Student loan repayment threshold)"]
[null,null,4.4000000000000004,null,"2017-03-29","D9815","S Greig","Calculator Parameters!D19","Changed from 1,696.98 to 1,724.33. (Salary ACC earner max levy)"]
[null,null,4.4000000000000004,null,"2017-03-29","D9815","S Greig","Calculator Parameters!D20","Changed from 1,696.67 to 1,696.67. (Self Emp ACC earner max levy)"]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","NSR Calculator!L4","Changed version to \"4.5\". Also change the file properties to reflect this."]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","NSR Calculator!D104","Changed from \"\" to \"Include in NSR\" aligned centre."]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","Calculation!K202","Changed from \"\" to \"Include in NSR\" aligned centre."]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","NSR Calculator!D105","Added Tick Box control over this cell points to Calculation!$K$204."]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","NSR Calculator!D105","Set formula to  \"=IF( C105=0,\"\",IF( Calculation!K204,\"Yes\",\"No\"))\"."]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","NSR Calculator!D105","Aligned centre and text colour to white to hide in display but not text file."]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","NSR Calculator!D107","Set formula to  \"=IF( C107=0,\"\",IF( Calculation!K206,\"Yes\",\"No\"))\"."]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","NSR Calculator!D107","Added Tick Box control over this cell points to Calculation!$K$206."]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","NSR Calculator!D107","Aligned centre and text colour to white to hide in display but not text file."]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","NSR Calculator!I204","Change from \"=INDEX($AH$86:$AK$92,B204,4)*G204\" to \"=IF(K204,INDEX($AH$86:$AK$92,B204,4)*G204,0)\"."]
[null,null,4.5,null,"2017-05-18","D10018","S Greig","NSR Calculator!I206","Change from \"=INDEX($AH$86:$AK$92,B206,4)*G206\" to \"=IF(K206,INDEX($AH$86:$AK$92,B206,4)*G206,0)\"."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!L4","Changed version to \"4.6\". Also change the file properties to reflect this."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculator Parameters!F17","Added \"Previous values\"."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculator Parameters!N18:O20","Copy cells L18:M20 to N18:O20."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculator Parameters!N18","Changed from \"2016/17\" to \"2017/18\"."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculator Parameters!N19:O20","Copied values  C19:D20 to N19:O20 to store the current values."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculator Parameters!P18:Q20","Copy cells N18:O20 to P18:Q20."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculator Parameters!P18","Changed from \"2017/18\" to \"2018/19\"."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculator Parameters!Q19","Changed from \"1,724.33\" to \"1,755.37\". (Wages & Salary max levy)"]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculator Parameters!Q20","Changed from \"1,696.67\" to \"1,724.33\". (Self-employed max levy)"]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!Rows29-31","Copied rows 26-28 and inserted at row 29. "]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!B27","Changed from \"Salary/Wages/Self Employed/Business\" to \"Salary/Wages\"."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!B30","Changed from \"Salary/Wages/Self Employed/Business\" to \"Self Employed/Business\"."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculation!I27","Changed from \"0\" to \"='NSR Calculator'!D30\". The amount going to calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculation!M27","Changed from \"0\" to \"='NSR Calculator'!G30\". The amount going to calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculation!Q27","Changed from \"0\" to \"='NSR Calculator'!J30\". The amount going to calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","Calculation!U27","Changed from \"0\" to \"='NSR Calculator'!M30\". The amount going to calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!C30","Changed to \"= IF(D30=0,\"\",Calculation!$H$27)\". The value displayed in the cell behind the control."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!F30","Changed to \"= IF(G30=0,\"\",Calculation!$L$27)\". The value displayed in the cell behind the control."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!I30","Changed to \"= IF(J30=0,\"\",Calculation!$P$27)\". The value displayed in the cell behind the control."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!L30","Changed to \"= IF(M30=0,\"\",Calculation!$T$27)\". The value displayed in the cell behind the control."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!C31","Changed to \"=  IF(D30=0,\"\",Calculation!$H$28)\". The value displayed in the cell behind the control."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!F31","Changed to \"=  IF(D30=0,\"\",Calculation!$L$28)\". The value displayed in the cell behind the control."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!I31","Changed to \"=  IF(D30=0,\"\",Calculation!$P$28)\". The value displayed in the cell behind the control."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!L31","Changed to \"=  IF(D30=0,\"\",Calculation!$T$28)\". The value displayed in the cell behind the control."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!C30 Control","Cell link is \"Calculation!$G$27\". Control updates calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!F30 Control","Cell link is \"Calculation!$K$27\". Control updates calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!I30 Control","Cell link is \"Calculation!$O$27\". Control updates calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!L30 Control","Cell link is \"Calculation!$S$27\". Control updates calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!C31 Control","Cell link is \"Calculation!$G$28\". Control updates calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!F31 Control","Cell link is \"Calculation!$K$28\". Control updates calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!I31 Control","Cell link is \"Calculation!$O$28\". Control updates calculation sheet."]
[null,null,4.5999999999999996,null,"2017-05-31","D10065","S Greig","NSR Calculator!L31 Control","Cell link is \"Calculation!$S$28\". Control updates calculation sheet."]
[null,null,4.5999999999999996,null,"2017-06-01","D10065","S Greig","Module 1","Code references for row > 29 needed 3 added to them. Lines suffixed with delta reference."]
[null,null,4.5999999999999996,null,"2017-06-01","D10065","S Greig","Sheet7 (NSR Calculator)","Code references for row > 29 needed 3 added to them. Lines suffixed with delta reference."]
[null,null,4.5999999999999996,null,"2017-06-01","D10065","S Greig","CheckBox1_Click","Changed construction loan comment from G13 to H13. Lines suffixed with delta reference."]
[null,null,4.5999999999999996,null,"2017-06-01","D10065","S Greig","CheckBox1_Click","Changed construction loan comment from H124 to E124. Lines suffixed with delta reference."]
[null,null,4.5999999999999996,null,"2017-06-01","D10065","S Greig","NSR Calculator!L4","Made font Bold Italic."]
[null,null,4.5999999999999996,null,"2017-06-01","D10065","S Greig","NSR Calculator!H13","Change font to be Bold Italic and dark red color to match G13."]
[null,null,4.5999999999999996,null,"2017-06-01","D10065","S Greig","NSR Calculator!E124","Change font to be Bold Italic and dark red color to match H124."]
[null,null,4.5999999999999996,"j","2017-06-01","D10065","S Greig","NSR Calculator!F6","Used Shift-F10 to set font to be white on white to hide odd bits showing after click."]
[null,null,4.5999999999999996,"k","2017-06-01","D10065","S Greig","NSR Calculator!","Rows 7,21,41,46,49,57,58,64,68,69,75,76,79,88,97,106 changed height from 11 to 5."]
[null,null,4.5999999999999996,"l","2017-06-01","D10065","S Greig","CheckBox1_Click","Changed construction loan comment from E124 to H124, because E124 shows slider value."]
[null,null,4.5999999999999996,"l","2017-06-01","D10065","S Greig","NSR Calculator!E124","Change font back to be Regular with Automatic colour."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!G48","Changed from \"=IF(H22=$AH$16,INDEX($AH$9:$AK$13,G21,4)*I21+G47,0)\" to \"=IF(H22=$AH$16,INDEX($AH$9:$AK$13,G21,4)*I21+G56,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!K48","Changed from \"=IF(L22=$AH$16,INDEX($AH$9:$AK$13,K21,4)*M21+K47,0)\" to \"=IF(L22=$AH$16,INDEX($AH$9:$AK$13,K21,4)*M21+K56,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!O48","Changed from \"=IF(P22=$AH$16,INDEX($AH$9:$AK$13,O21,4)*Q21+O47,0)\" to \"=IF(P22=$AH$16,INDEX($AH$9:$AK$13,O21,4)*Q21+O56,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!S48","Changed from \"=IF(T22=$AH$16,INDEX($AH$9:$AK$13,S21,4)*U21+S47,0)\" to \"=IF(T22=$AH$16,INDEX($AH$9:$AK$13,S21,4)*U21+S56,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!G54","Changed from \"=IF(H28=$AH$16,INDEX($AH$9:$AK$13,G27,4)*I27+G53,0)\" to \"=IF(H28=$AH$16,INDEX($AH$9:$AK$13,G27,4)*I27+G47,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!K54","Changed from \"=IF(L28=$AH$16,INDEX($AH$9:$AK$13,K27,4)*M27+K53,0)\" to \"=IF(L28=$AH$16,INDEX($AH$9:$AK$13,K27,4)*M27+K47,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!O54","Changed from \"=IF(P28=$AH$16,INDEX($AH$9:$AK$13,O27,4)*Q27+O53,0)\" to \"=IF(P28=$AH$16,INDEX($AH$9:$AK$13,O27,4)*Q27+O47,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!S54","Changed from \"=IF(T28=$AH$16,INDEX($AH$9:$AK$13,S27,4)*U27+S53,0)\" to \"=IF(T28=$AH$16,INDEX($AH$9:$AK$13,S27,4)*U27+S47,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!G57","Changed from \"=IF(H31=$AH$16,INDEX($AH$9:$AK$13,G30,4)*I30+G56,0)\" to \"=IF(H31=$AH$16,INDEX($AH$9:$AK$13,G30,4)*I30+G53,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!K57","Changed from \"=IF(L31=$AH$16,INDEX($AH$9:$AK$13,K30,4)*M30+K56,0)\" to \"=IF(L31=$AH$16,INDEX($AH$9:$AK$13,K30,4)*M30+K53,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!O57","Changed from \"=IF(P31=$AH$16,INDEX($AH$9:$AK$13,O30,4)*Q30+O56,0)\" to \"=IF(P31=$AH$16,INDEX($AH$9:$AK$13,O30,4)*Q30+O53,0)\"."]
[null,null,4.5999999999999996,"n","2017-06-02","D10065","S Greig","Calculation!S57","Changed from \"=IF(T31=$AH$16,INDEX($AH$9:$AK$13,S30,4)*U30+S56,0)\" to \"=IF(T31=$AH$16,INDEX($AH$9:$AK$13,S30,4)*U30+S53,0)\"."]
[null,null,4.5999999999999996,"o","2017-06-02","D10065","S Greig","Calculation!I75","Changed From \"=I47*$AP$9+(I50-I47)*$AP$10+(I53-I50)*$AP$11+(I56-I53)*$AP$12+(I59-I56)*$AP$13\" to                         \"=I47*$AP$9+(I56-I47)*$AP$12+(I50-I56)*$AP$10+(I53-I50)*$AP$11+(I59-I53)*$AP$13\"."]
[null,null,4.5999999999999996,"o","2017-06-02","D10065","S Greig","Calculation!M75","Changed from \"=M47*$AP$9+(M50-M47)*$AP$10+(M53-M50)*$AP$11+(M56-M53)*$AP$12+(M59-M56)*$AP$13\" to \"=M47*$AP$9+(M56-M47)*$AP$12+(M50-M56)*$AP$10+(M53-M50)*$AP$11+(M59-M53)*$AP$13\"."]
[null,null,4.5999999999999996,"o","2017-06-02","D10065","S Greig","Calculation!Q75","Changed from \"=Q47*$AP$9+(Q50-Q47)*$AP$10+(Q53-Q50)*$AP$11+(Q56-Q53)*$AP$12+(Q59-Q56)*$AP$13\" to        \"=Q47*$AP$9+(Q56-Q47)*$AP$12+(Q50-Q56)*$AP$10+(Q53-Q50)*$AP$11+(Q59-Q53)*$AP$13\"."]
[null,null,4.5999999999999996,"o","2017-06-02","D10065","S Greig","Calculation!U75","Changed from \"=U47*$AP$9+(U50-U47)*$AP$10+(U53-U50)*$AP$11+(U56-U53)*$AP$12+(U59-U56)*$AP$13\" to           \"=U47*$AP$9+(U56-U47)*$AP$12+(U50-U56)*$AP$10+(U53-U50)*$AP$11+(U59-U53)*$AP$13\"."]
[null,null,4.5999999999999996,"r","2017-06-06","D10065","S Greig","Worksheet_SelectionChange","New method to set Include in NSR controls based on Other Debt type and triggered when the focus is on the amount cell."]
[null,null,4.5999999999999996,"u","2017-06-06","D10065","S Greig","Workbook_Open","Default the Other Debt include in NSR as ticked."]
[null,null,4.5999999999999996,"u","2017-06-06","D10065","S Greig","AutomaticSettings","Created a method that is called when the is a SelectionChange, a Change or the Save button has been clicked."]
[null,null,4.5999999999999996,"w","2017-06-08","D10065","S Greig","Calculation!H54","Changed $AK$44 to $AK$45, $AM$44 to $AM$45, $AO$44 to $AO$45 within the very long formula."]
[null,null,4.5999999999999996,"w","2017-06-08","D10065","S Greig","Calculation!L54","Changed $AK$44 to $AK$45, $AM$44 to $AM$45, $AO$44 to $AO$45 within the very long formula."]
[null,null,4.5999999999999996,"w","2017-06-08","D10065","S Greig","Calculation!P54","Changed $AK$44 to $AK$45, $AM$44 to $AM$45, $AO$44 to $AO$45 within the very long formula."]
[null,null,4.5999999999999996,"w","2017-06-08","D10065","S Greig","Calculation!T54","Changed $AK$44 to $AK$45, $AM$44 to $AM$45, $AO$44 to $AO$45 within the very long formula."]
[null,null,4.5999999999999996,"w","2017-06-08","D10065","S Greig","Calculation!G55","Changed $AK$44 to $AK$45, $AM$44 to $AM$45, $AS$44 to $AS$45 within the very long formula."]
[null,null,4.5999999999999996,"w","2017-06-08","D10065","S Greig","Calculation!K55","Changed $AK$44 to $AK$45, $AM$44 to $AM$45, $AS$44 to $AS$45 within the very long formula."]
[null,null,4.5999999999999996,"w","2017-06-08","D10065","S Greig","Calculation!O55","Changed $AK$44 to $AK$45, $AM$44 to $AM$45, $AS$44 to $AS$45 within the very long formula."]
[null,null,4.5999999999999996,"w","2017-06-08","D10065","S Greig","Calculation!S55","Changed $AK$44 to $AK$45, $AM$44 to $AM$45, $AS$44 to $AS$45 within the very long formula."]
[null,null,4.5999999999999996,"x","2017-06-08","D10065","S Greig","Calculation!H45:H57","Changed to add the separate Gross Tax and Levy values."]
[null,null,4.5999999999999996,"x","2017-06-08","D10065","S Greig","Calculation!L45:L57","Changed to add the separate Gross Tax and Levy values."]
[null,null,4.5999999999999996,"x","2017-06-08","D10065","S Greig","Calculation!P45:P57","Changed to add the separate Gross Tax and Levy values."]
[null,null,4.5999999999999996,"x","2017-06-08","D10065","S Greig","Calculation!T45:T57","Changed to add the separate Gross Tax and Levy values."]
[null,null,4.5999999999999996,"x","2017-06-08","D10065","S Greig","Calculation!X43:AE59","Separated the Tax and Levy values from the previous formulas."]
[null,null,4.7,"a","2017-06-20","D10065","S Greig","NSR Calculator!L4","Changed version to \"4.7\". Also change the file properties to reflect this."]
[null,null,4.7,"a","2017-06-20","D10065","S Greig","Module1","Added global constant LockedVersion so this can be set to false to unlock the version."]
[null,null,4.7,"a","2017-06-20","D10065","S Greig","Module1","Added global constant Locking to centralise password and set to \"Water28Tree\"."]
[null,null,4.7,"a","2017-06-20","D10065","S Greig","To create a Unlock Version","Copy and add \"_Unlocked\" to name before setting Module1 LockedVersion to False and right-click on VBAProject - Properties and untick Lock project for viewing and blank passwords. "]
[null,null,4.7,"a","2017-06-20","D10065","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,4.7,"b","2017-06-20","D10065","S Greig","Calculation!X46","Changed to \"=IF(I46>$AQ$53,(I46-$AI$53)*$AK$54+$AM$53, IF(I46 > $AQ$52,(I46-$AI$52)*$AK$53+$AM$52, IF(I46>$AI$51,(I46-$AI$51)*$AK$52+$AM$51,IF(I46>0,(I46+Y46)*$AO$51,0))))\"."]
[null,null,4.7,"b","2017-06-20","D10065","S Greig","Calculation!Z46","Changed to \"=IF(M46>$AQ$53,(M46-$AI$53)*$AK$54+$AM$53, IF(M46 > $AQ$52,(M46-$AI$52)*$AK$53+$AM$52, IF(M46>$AI$51,(M46-$AI$51)*$AK$52+$AM$51,IF(M46>0,(M46+AA46)*$AO$51,0))))\"."]
[null,null,4.7,"b","2017-06-20","D10065","S Greig","Calculation!AB46","Changed to \"=IF(Q46>$AQ$53,(Q46-$AI$53)*$AK$54+$AM$53, IF(Q46 > $AQ$52,(Q46-$AI$52)*$AK$53+$AM$52, IF(Q46>$AI$51,(Q46-$AI$51)*$AK$52+$AM$51,IF(Q46>0,(Q46+AC46)*$AO$51,0))))\"."]
[null,null,4.7,"b","2017-06-20","D10065","S Greig","Calculation!AD46","Changed to \"=IF(U46>$AQ$53,(U46-$AI$53)*$AK$54+$AM$53, IF(U46 > $AQ$52,(U46-$AI$52)*$AK$53+$AM$52, IF(U46>$AI$51,(U46-$AI$51)*$AK$52+$AM$51,IF(U46>0,(U46+AE46)*$AO$51,0))))\"."]
[null,null,4.7,"b","2017-06-20","D10065","S Greig","Calculation!Y46","Changed to \"=IF(I46>$AS$44,$AM$44,IF(I46>0,IF(I46>$AQ$53,I46*($AO$53+$AK$44)*$AK$44,IF(I46>$AQ$52,I46*($AO$52+$AK$44)*$AK$44,I46*($AO$51+$AK$44)*$AK$44)),0))\"."]
[null,null,4.7,"b","2017-06-20","D10065","S Greig","Calculation!AA46","Changed to \"=IF(M46>$AS$44,$AM$44,IF(M46>0,IF(M46>$AQ$53,M46*($AO$53+$AK$44)*$AK$44,IF(M46>$AQ$52,M46*($AO$52+$AK$44)*$AK$44,M46*($AO$51+$AK$44)*$AK$44)),0))\"."]
[null,null,4.7,"b","2017-06-20","D10065","S Greig","Calculation!AC46","Changed to \"=IF(Q46>$AS$44,$AM$44,IF(Q46>0,IF(Q46>$AQ$53,Q46*($AO$53+$AK$44)*$AK$44,IF(Q46>$AQ$52,Q46*($AO$52+$AK$44)*$AK$44,Q46*($AO$51+$AK$44)*$AK$44)),0))\"."]
[null,null,4.7,"b","2017-06-20","D10065","S Greig","Calculation!AE46","Changed to \"=IF(U46>$AS$44,$AM$44,IF(U46>0,IF(U46>$AQ$53,U46*($AO$53+$AK$44)*$AK$44,IF(U46>$AQ$52,U46*($AO$52+$AK$44)*$AK$44,U46*($AO$51+$AK$44)*$AK$44)),0))\"."]
[null,null,4.7,"c","2017-06-20","D10065","S Greig","Calculation!H46","Changed from \"=G46-I46\" to \"=X46+Y46\"."]
[null,null,4.7,"c","2017-06-20","D10065","S Greig","Calculation!L46","Changed from \"=K46-M46\" to \"=Z46+AA46\"."]
[null,null,4.7,"c","2017-06-20","D10065","S Greig","Calculation!P46","Changed from \"=O46-Q46\" to \"=AB46+AC46\"."]
[null,null,4.7,"c","2017-06-20","D10065","S Greig","Calculation!T46","Changed from \"=S46-U46\" to \"=AD46+AE46\"."]
[null,null,4.7,"g","2017-06-22","D10065","S Greig","Calculation!G46:U58","Changed net cell formulas on lines 46, 49, 52, 55, 58."]
[null,null,4.7,"j","2017-06-30","D10065","S Greig","Calculation!X47:AE59","Added max between Gross and Net Tax and Levy so X47 changed from \"\" to \"=MAX(X45:X46)\"."]
[null,null,4.7,"j","2017-06-30","D10065","S Greig","Calculation!F54:R55","Show gross and net Self Employed Income in a separate cell F54 changed from \"\" to \"=MAX(F54:F55)\"."]
[null,null,4.7,"k","2017-06-30","D10065","S Greig","Calculation!F56,J56,N56,R56","Show Self Employed Income in a separate cell F56 changed from \"\" to \"=G54-G$47\" so it can be seen."]
[null,null,4.7,"k","2017-06-30","D10065","S Greig","Calculation!Y54:AE55","Only apply Self ACC Levy on income increase Y54 changed from \"=IF(G54>$AO$45,$AM$45,IF(G54>0,G54*$AK$45,0))\" to \"=IF(F54>$AO$45,$AM$45,IF(F54>0,(F54*$AK$45)+Y$47,Y$47))\"."]
[null,null,4.7,"k","2017-06-30","D10065","S Greig","Calculation!Y48:AE58","Only apply Self ACC Levy on income increases self employed so Y48 changed from \"=IF(G48>$AO$44,$AM$44,IF(G48>0,G48*$AK$44,0))\" to \"=IF((G48-F$56)>$AO$44,$AM$44,IF(F$56>$AO$45,$AM$45,IF((G48-G$56)>0,((G48-G$56)*$AK$44)+Y$56,Y$56)))\"."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","NSR Calculator!L4","Changed version to \"4.8\". Also change the file properties to reflect this."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","NSR Calculator!Rows33-35","Copied rows 33-35 and inserted at row 36 three times to split the income sources. "]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","NSR Calculator!B33","Changed from \"Overtime/Bonus/Allowance/Boarder Income\" to \"Overtime\"."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","NSR Calculator!B36","Changed from \"Overtime/Bonus/Allowance/Boarder Income\" to \"Bonus\"."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","NSR Calculator!B39","Changed from \"Overtime/Bonus/Allowance/Boarder Income\" to \"Allowance\"."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","NSR Calculator!B42","Changed from \"Overtime/Bonus/Allowance/Boarder Income\" to \"Boarder Income\"."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","NSR Calculator!","Rows 24,26,29,32,35,38,41,44,47 are now set to hide to get the new fields to fit on a page."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","Calculation!A24:AF24","Insert cells A24:AF24 in the same place and shift cells down times nine."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","Calculation!C21:U22","Copied cells to C24, C27 and C30."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","Calculation!C24","Changed from \"Overtime\" to \"Bonus\"."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","Calculation!C27","Changed from \"Overtime\" to \"Allowance\"."]
[null,null,4.8,"a","2017-07-03","D10174","S Greig","Calculation!C29","Changed from \"Overtime\" to \"Boarder Income\"."]
[null,null,4.8,"b","2017-07-03","D10174","S Greig","NSR Calculator!C28:L49","Moved the Gross/New controls up two arrows up to display correctly."]
[null,null,4.8,"b","2017-07-03","D10174","S Greig","NSR Calculator!C36:L43","Linked the Frequency controls to Calculation sheet. i.e. NSR Calculator!C36 links to Calculation!G24."]
[null,null,4.8,"b","2017-07-03","D10174","S Greig","NSR Calculator!C36:L43","Linked the Tax controls to Calculation sheet. i.e. NSR Calculator!C37 links to Calculation!G25."]
[null,null,4.8,"b","2017-07-03","D10174","S Greig","Calculation!C27:U30","The amounts lined up automatically."]
[null,null,4.8,"b","2017-07-03","D10174","S Greig","NSR Calculator!C36:L43","Linked the Frequency cells behind controls to Calculation sheet i.e. NSR Calculator!C36 equals Calculation!H24."]
[null,null,4.8,"b","2017-07-03","D10174","S Greig","NSR Calculator!C36:L43","Linked the Tax cells behind controls to Calculation sheet i.e. NSR Calculator!C37 equals Calculation!H25."]
[null,null,4.8,"d","2017-07-05","D10174","S Greig","Calculation!rows 57-59","Copied lines 57-59 and inserted lines at line 60 three times."]
[null,null,4.8,"d","2017-07-05","D10174","S Greig","Calculation!B60:B75","Updated the order reference."]
[null,null,4.8,"d","2017-07-05","D10174","S Greig","Calculation!C60:C66","Updated the labels to Bonus, Allowance, Boarder Income."]
[null,null,4.8,"d","2017-07-05","D10174","S Greig","Calculation!C60:AE70","Updated the formulas to work."]
[null,null,4.8,"d","2017-07-05","D10174","S Greig","Calculation!I91:U91","Updated the formula to use the total deductions i.e. I91 was changed from \"=I80-I83-I85-I87\" to \"=I80-I89\"."]
[null,null,4.8,"d","2017-07-05","D10174","S Greig","Calculation!I93:U93","Updated the formula to include the split lines. i.e. I93 was changed from \"=I56*$AP$9+(I74-I56)*$AP$12+(I59-I74)*$AP$10+(I71-I59)*$AP$11+(I77-I71)*$AP$13\" to \"=I56*$AP$9+(I74-I56)*$AP$12+(I68-I74)*$AP$10+(I71-I68)*$AP$11+(I77-I71)*$AP$13\"."]
[null,null,4.8,"d","2017-07-05","D10174","S Greig","Calculation!I95:U95","Updated the formula to use the total deductions i.e. I95 was changed from \"=I93-I83-I85-I87\" to \"=I93-I89\"."]
[null,null,4.8,"e","2017-07-05","D10174","S Greig","Module 1","Code references for row > 29 needed 9 added to them. Lines suffixed with delta reference."]
[null,null,4.8,"e","2017-07-05","D10174","S Greig","Sheet7 (NSR Calculator)","Code references for row > 29 needed 9 added to them. Lines suffixed with delta reference."]
[null,null,4.8,"e","2017-07-05","D10174","S Greig","Module 1","Method needs to include lines 36 to 44 in clears and the like."]
[null,null,4.8,"g","2017-07-18","D10174","S Greig","NSR Calculator!D61","Changed to \"=Calculation!I89\"."]
[null,null,4.8,"g","2017-07-18","D10174","S Greig","NSR Calculator!G61","Changed to \"=Calculation!I89\"."]
[null,null,4.8,"g","2017-07-18","D10174","S Greig","NSR Calculator!J61","Changed to \"=Calculation!I89\"."]
[null,null,4.8,"g","2017-07-18","D10174","S Greig","NSR Calculator!M61","Changed to \"=Calculation!I89\"."]
[null,null,4.8,"g","2017-07-18","D10174","S Greig","unlock_macro Ln15","Added the Income Deduction figures to be exposed."]
[null,null,4.8,"g","2017-07-18","D10174","S Greig","lockup_macro Ln30","Added the Income Deduction figures to be hidden."]
[null,null,4.8,"i","2017-07-19","D10174","S Greig","CheckBox532_Click","Added checkbox click event to call AutomaticSettings so user cannot untick for Total Other Bank OD Limits."]
[null,null,4.8,"i","2017-07-19","D10174","S Greig","CheckBox533_Click","Added checkbox click event to call AutomaticSettings so user cannot untick for Total Other Bank OD Limits."]
[null,null,4.8,"j","2017-07-19","D10174","S Greig","NSR Calculator!D61","Changed to \"=Calculation!I93\"."]
[null,null,4.8,"j","2017-07-19","D10174","S Greig","NSR Calculator!G61","Changed to \"=Calculation!M93\"."]
[null,null,4.8,"j","2017-07-19","D10174","S Greig","NSR Calculator!J61","Changed to \"=Calculation!Q93\"."]
[null,null,4.8,"j","2017-07-19","D10174","S Greig","NSR Calculator!M61","Changed to \"=Calculation!U93\"."]
[null,null,4.8,"j","2017-07-19","D10174","S Greig","NSR Calculator!Z57:AE75","Corrected the Levy formulas. "]
[null,null,4.8,"l","2017-07-19","D10174","S Greig","NSR Calculator!row 30-31","Line up the controls as there was a slight overlap."]
[null,null,4.8,"n","2017-07-19","D10174","S Greig","Calculation!AR10","Changed to \"Includes Allowances,Boarder,Bonus,Overtime\" to help explain they all use this rate."]
[null,null,4.8,"p","2017-07-20","D10174","S Greig","ResetForm_ClearContents Ln56","Corrected the clearing of cells."]
[null,null,4.8,"r","2017-07-24","D10174","S Greig","NSR Calculator!E129","Changed to \"Total SBS Debt\"."]
[null,null,4.8,"r","2017-07-24","D10174","S Greig","NSR Calculator!G129","Copied G143 to this cell to get the formatting."]
[null,null,4.8,"r","2017-07-24","D10174","S Greig","unlock_macro Ln15","Added the Total SBS Debt figures to be exposed."]
[null,null,4.8,"r","2017-07-24","D10174","S Greig","lockup_macro Ln30","Added the Income Deduction figures to be hidden."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","Calculation!G93","Copied from I93 to get the Gross Income after scaling."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","Calculation!K93","Copied from M93 to get the Gross Income after scaling."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","Calculation!O93","Copied from Q93 to get the Gross Income after scaling."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","Calculation!S93","Copied from U93 to get the Gross Income after scaling."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","Calculation!M98","Changed to \"Total Adjusted Gross Income\"."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","Calculation!Q98","Changed to \"=(G93+K93+O93+S93)-(I89+M89+Q89+U89)\"."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","NSR Calculator!E144","Changed to \"Adjusted Gross Income\"."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","NSR Calculator!G144","Copied from G143 to get the formatting."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","NSR Calculator!G144","Changed to \"=Calculation!Q98\"."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","unlock_macro Ln18","Added the Adjusted Gross Income figures to be exposed."]
[null,null,4.8,"s","2017-07-24","D10174","S Greig","lockup_macro Ln34","Added the Adjusted Gross Income figures to be hidden."]
[null,null,4.8,"u","2017-07-25","D10174","S Greig","NSR Calculator!G143","Changed from \"=Calculation!Q97+SUM(D63:M63)+C74\" to \"=Calculation!Q97\". Moved the extra add ons to the calculation sheet."]
[null,null,4.8,"u","2017-07-25","D10174","S Greig","NSR Calculator!G144","Changed from \"=Calculation!Q98+SUM(D63:M63)+C74\" to \"=Calculation!Q98\"."]
[null,null,4.8,"u","2017-07-25","D10174","S Greig","Calculation!Q97","Changed from \"=(G80+K80+O80+S80)\" to \"=(G80+K80+O80+S80)+SUM('NSR Calculator'!D63:M63)+'NSR Calculator'!C74\"."]
[null,null,4.8,"u","2017-07-25","D10174","S Greig","Calculation!Q98","Changed from \"=(G93+K93+O93+S93)-(I89+M89+Q89+U89)\" to \"=(G93+K93+O93+S93)-(I89+M89+Q89+U89)+SUM('NSR Calculator'!D63:M63)+'NSR Calculator'!C76\"."]
[null,null,4.9000000000000004,"a","2017-07-25","D10174","S Greig","NSR Calculator!L4","Changed version to \"4.9\". Also change the file properties to reflect this."]
[null,null,4.9000000000000004,"b","2017-07-25","D10174","S Greig","NSR Calculator!row 65-66","Copied rows 63-64 and inserted in row 65."]
[null,null,4.9000000000000004,"b","2017-07-25","D10174","S Greig","NSR Calculator!B63","Changed from \"Annual Financial A/c addbacks/Other Assistance Payments\" to \"Annual Financial A/c addbacks\"."]
[null,null,4.9000000000000004,"b","2017-07-25","D10174","S Greig","NSR Calculator!B65","Changed to \"Other Assistance Payments\"."]
[null,null,4.9000000000000004,"b","2017-07-25","D10174","S Greig","NSR Calculator!D67-M67","Changed from \"=Calculation!I95+D63\" to \"=Calculation!I95+D63+D65\"."]
[null,null,4.9000000000000004,"b","2017-07-25","D10174","S Greig","Calculation!Q97","Changed from \"=(G80+K80+O80+S80)+SUM('NSR Calculator'!D63:M63)+'NSR Calculator'!C74\" to \"=(G80+K80+O80+S80)+SUM('NSR Calculator'!D63:M63)+SUM('NSR Calculator'!D65:M65)+'NSR Calculator'!C76\"."]
[null,null,4.9000000000000004,"b","2017-07-25","D10174","S Greig","Calculation!Q98","Changed from \"=(G93+K93+O93+S93)-(I89+M89+Q89+U89)+SUM('NSR Calculator'!D63:M63)+'NSR Calculator'!C76\" to \"=(G93+K93+O93+S93)-(I89+M89+Q89+U89)+SUM('NSR Calculator'!D63:M63)+SUM('NSR Calculator'!D65:M65)+'NSR Calculator'!C78\"."]
[null,null,4.9000000000000004,"b","2017-07-25","D10174","S Greig","NSR Calculator!lines 60,62,64,66","Changed the line height from 9 pixels to 5 pixels to try and get it one one page.."]
[null,null,4.9000000000000004,"b","2017-07-25","D10174","S Greig","Module 1","Code references for row > 63 needed 2 added to them. Lines suffixed with delta reference."]
[null,null,4.9000000000000004,"b","2017-07-25","D10174","S Greig","Sheet7 (NSR Calculator)","Code references for row > 63 needed 2 added to them. Lines suffixed with delta reference."]
[null,null,4.9000000000000004,"d","2017-08-07","D10308","S Greig","NSR Calculator!H6","Added CheckBox4 for \"Welcome Home Loan\"."]
[null,null,4.9000000000000004,"d","2017-08-07","D10308","S Greig","CheckBox4_Click","Added Method to Process Welcome Home Loan click event."]
[null,null,4.9000000000000004,"d","2017-08-07","D10308","S Greig","NSR Calculator!E141","Added text \"WHL NSR  - %\" which will be hidden."]
[null,null,4.9000000000000004,"f","2017-08-07","D10308","S Greig","Calculation!C476","Changed to \"NSR Colour\"."]
[null,null,4.9000000000000004,"f","2017-08-07","D10308","S Greig","Calculation!I476","Moved formula from U479 to I476 with no change to the formula."]
[null,null,4.9000000000000004,"f","2017-08-07","D10308","S Greig","NSR Calculator!D143","Changed the conditional formatting to use I476."]
[null,null,4.9000000000000004,"f","2017-08-07","D10308","S Greig","Calculation!C477","Changed to \"WHL NSR Colour\"."]
[null,null,4.9000000000000004,"g","2017-08-07","D10308","S Greig","Calculation!I477","Changed to \"\"."]
[null,null,4.9000000000000004,"g","2017-08-07","D10308","S Greig","Calculation!G15","Changed to \"WHL\". "]
[null,null,4.9000000000000004,"g","2017-08-07","D10308","S Greig","Calculation!H15","Changed to \"FALSE\" and it gets set when the WHL check box is ticked."]
[null,null,4.9000000000000004,"g","2017-08-07","D10308","S Greig","CheckBox4_Click","Update the H15 and the cell behind the CheckBox for the text file."]
[null,null,4.9000000000000004,"h","2017-08-07","D10308","S Greig","NSR Calculator!E141","Changed to \"WHL NSR\"."]
[null,null,4.9000000000000004,"h","2017-08-07","D10308","S Greig","unlock_macro Ln17","Added the WHL NSR to be exposed."]
[null,null,4.9000000000000004,"h","2017-08-07","D10308","S Greig","lockup_macro Ln34","Added the WHL NSR to be hidden."]
[null,null,4.9000000000000004,"h","2017-08-07","D10308","S Greig","Calculation!C477","Changed from \"WHL NSR Colour\" to \"WHL NSR Text Colour\"."]
[null,null,4.9000000000000004,"h","2017-08-07","D10308","S Greig","Calculation!C478","Changed to \"WHL NSR Amount Colour\"."]
[null,null,4.9000000000000004,"h","2017-08-07","D10308","S Greig","Calculation!I477","Changed to \"=IF($H$15,\"Automatic\",\"Transparent\")\"."]
[null,null,4.9000000000000004,"h","2017-08-07","D10308","S Greig","Calculation!B1","Changed to \"Locked Version\"."]
[null,null,4.9000000000000004,"h","2017-08-07","D10308","S Greig","Calculation!D1","Changed to \"TRUE\"."]
[null,null,4.9000000000000004,"h","2017-08-07","D10308","S Greig","Workbook_Open","Set the Locked Version cell contents based on the global constant."]
[null,null,4.9000000000000004,"i","2017-08-07","D10308","S Greig","Calculation!I477","Changed to \"=IF($D$1,IF( $H$15,\"Automatic\",\"Transparent\"),\"Automatic\")\"."]
[null,null,4.9000000000000004,"i","2017-08-07","D10308","S Greig","NSR Calculator!E-H141","Setup the conditional formatting."]
[null,null,4.9000000000000004,"i","2017-08-07","D10308","S Greig","Calculation!I478","Changed to \"=IF($D$1,IF( $H$15,IF(AND('NSR Calculator'!O437<=95,'NSR Calculator'!O437>0),\"Green\",\"Red\"),\"Transparent\"),\"Automatic\")\"."]
[null,null,4.9000000000000004,"i","2017-08-07","D10308","S Greig","unlock_macro Ln17","Set the Locked Version cell contents."]
[null,null,4.9000000000000004,"i","2017-08-07","D10308","S Greig","lockup_macro Ln34","Set the Locked Version cell contents."]
[null,null,4.9000000000000004,"j","2017-08-07","D10308","S Greig","NSR Calculator!C143","Changed from \"=IFERROR(ROUND(Calculation!J291*100,4),\"\")\" to \"=IFERROR(ROUND(Calculation!J291*100,2),\"\")\"."]
[null,null,4.9000000000000004,"j","2017-08-07","D10308","S Greig","NSR Calculator!C143","Changed Format Cell from \"_-* #,##0_-;-* #,##0_-;_-* \"-\"??_-;_-@_-\" to \"_-* #,##0.00_-;-* #,##0.00_-;_-* \"-\"??_-;_-@_-\" to add 2 decimal places."]
[null,null,4.9000000000000004,"k","2017-08-07","D10308","S Greig","Calculation!C294","Changed to \"WHL NSR\"."]
[null,null,4.9000000000000004,"k","2017-08-07","D10308","S Greig","Calculation!J294","Changed to \"=((J289+J259)/J255)*100\"."]
[null,null,4.9000000000000004,"k","2017-08-07","D10308","S Greig","Calculation!I478","Changed to \"=IF($D$1,IF( $H$15,IF(AND('NSR Calculator'!J294<=95,'NSR Calculator'!J294>0),\"Green\",\"Red\"),\"Transparent\"),\"Automatic\")\"."]
[null,null,4.9000000000000004,"k","2017-08-07","D10308","S Greig","NSR Calculator!I478","Changed to \"=IFERROR(ROUND(Calculation!J294*100,2),\"\")\"."]
[null,null,4.9000000000000004,"l","2017-08-07","D10308","S Greig","Calculation!J294","Changed from \"=((J289+J259)/J255)*100\" to \"=(J289+J259)/J255\"."]
[null,null,4.9000000000000004,"m","2017-08-07","D10308","S Greig","Calculation!J478","Changed to \"=IF($D$1,IF( $H$15,IF(AND('NSR Calculator'!J294<=0.95,'NSR Calculator'!J294>0),\"Green\",\"Red\"),\"Transparent\"),\"Automatic\")\"."]
[null,null,4.9000000000000004,"m","2017-08-07","D10308","S Greig","Calculation!I476","Changed to \"=IF(LEFT('NSR Calculator'!E143,1)=\"R\",IF(AND('NSR Calculator'!C143<=95,'NSR Calculator'!C143>0),\"green\",\"red\"),IF(AND('NSR Calculator'!C143<=85,'NSR Calculator'!C143>0),\"pgreen\",\"pred\"))\"."]
[null,null,4.9000000000000004,"m","2017-08-07","D10308","S Greig","Calculation!I477","Changed to \"=IF($D$1,IF( $H$15,\"automatic\",\"transparent\"),\"automatic\")\"."]
[null,null,4.9000000000000004,"m","2017-08-07","D10308","S Greig","Calculation!I478","Changed to \"=IF($D$1,IF( $H$15,IF(AND('NSR Calculator'!J294<=95,'NSR Calculator'!J294>0),\"green\",\"red\"),\"transparent\"),\"automatic\")\"."]
[null,null,4.9000000000000004,"m","2017-08-07","D10308","S Greig","NSR Calculator!C143:H141","Changed the conditional formatting to use lowercase test strings."]
[null,null,4.9000000000000004,"o","2017-08-07","D10308","S Greig","Calculation!I478","Changed to \"=IF( $H$15,IF(AND('NSR Calculator'!J294<=95,'NSR Calculator'!J294>0),\"green\",\"red\"),IF($D$1,\"transparent\",\"automatic\"))\"."]
[null,null,4.9000000000000004,"p","2017-08-07","D10308","S Greig","Calculation!I478","Changed to \"=IF( $H$15,IF(AND('NSR Calculator'!G141<=95,'NSR Calculator'!G141>0),\"green\",\"red\"),IF($D$1,\"transparent\",\"automatic\"))\"."]
[null,null,4.9000000000000004,"q","2017-08-07","D10308","S Greig","CheckBox4_Click","Display the Welcome Home Loan caption behind the checkbox."]
[null,null,4.9000000000000004,"r","2017-08-07","D10308","S Greig","NSR Calculator!G141","Updated the formatting to 2 decimal places."]
[null,null,5,"a","2017-08-08","D10316","S Greig","NSR Calculator!L4","Changed version to \"5.0\". Also change the file properties to reflect this."]
[null,null,5,"b","2017-08-08","D10316","S Greig","NSR Calculator!B148","Changed from \"Total Eligible Annual Rental Housing Income\" to \"Total Eligible Annual Rental/Boarder Income\"."]
[null,null,5,"b","2017-08-08","D10316","S Greig","NSR Calculator!A70","Changed from \"Rental Income\" to \"Rental/Boarder Income\"."]
[null,null,5,"b","2017-08-08","D10316","S Greig","NSR Calculator!C28-L49","Removed all Gross/Net DropDowns i.e. Cell C28 had DropDown46. The Calculation Sheet remains the same."]
[null,null,5,"b","2017-08-08","D10316","S Greig","NSR Calculator!A22","Changed from \"Detailed Income Information\" to \"Detailed Gross Income Information\"."]
[null,null,5,"c","2017-08-08","D10316","S Greig","unlock_macro Ln16","Show the hidden Gross Tax references."]
[null,null,5,"c","2017-08-08","D10316","S Greig","lockup_macro Ln43","Hide the Gross Tax references."]
[null,null,5,"c","2017-08-08","D10316","S Greig","NSR Calculator!28,31,34,37,40,43,46,49","Changed row height from 20 to 12 pixels."]
[null,null,5,"e","2017-08-08","D10316","S Greig","NSR Calculator!rows 42-44","Removed 3 rows, 42-44 which removes Boarder Income from Applicant Income."]
[null,null,5,"e","2017-08-08","D10316","S Greig","Calculation!row 30","Changed to 0 for columns I, M, Q, U to remove reference to Boarder Income."]
[null,null,5,"e","2017-08-08","D10316","S Greig","Calculation!C30","Changed to \"\" to hide Boarder Income from Calculation sheet."]
[null,null,5,"e","2017-08-08","D10316","S Greig","Calculation!C65","Changed to \"\" to hide Boarder Income from Calculation sheet."]
[null,null,5,"f","2017-08-08","D10316","S Greig","NSR Calculator!rows 76-78","Added 3 rows for Boarder Income to keep cell references the same below the insert."]
[null,null,5,"f","2017-08-08","D10316","S Greig","unlock_macro","Subtracted 3 from row references between 43 and 78."]
[null,null,5,"f","2017-08-08","D10316","S Greig","lockup_macro","Subtracted 3 from row references between 43 and 78."]
[null,null,5,"f","2017-08-08","D10316","S Greig","ResetForm_ClearContents","Subtracted 3 from row references between 43 and 78."]
[null,null,5,"g","2017-08-08","D10316","S Greig","Calculation!A30:AG32","Delete cells and shift up."]
[null,null,5,"g","2017-08-08","D10316","S Greig","Calculation!A63:AG65","Delete cells and shift up."]
[null,null,5,"g","2017-08-08","D10316","S Greig","Calculation!G63:S63","Correct the bad references to add to the previous row cell."]
[null,null,5,"g","2017-08-08","D10316","S Greig","Calculation!G87:U87","Correct the weighting fomular to not include missing Boarder Income."]
[null,null,5,"h","2017-08-08","D10316","S Greig","NSR Calculator!B76","Changed to \"Boarder Income\"."]
[null,null,5,"h","2017-08-08","D10316","S Greig","NSR Calculator!C76:D76","Copied C71:D71 to C76:D76."]
[null,null,5,"h","2017-08-08","D10316","S Greig","NSR Calculator!F76","Changed to \"Total Annual Boarder Income\"."]
[null,null,5,"h","2017-08-08","D10316","S Greig","Calculation!C122","Changed to \"Boarder Income\"."]
[null,null,5,"h","2017-08-08","D10316","S Greig","Calculation!G122","Changed to 1."]
[null,null,5,"h","2017-08-08","D10316","S Greig","NSR Calculator!F76","Changed to link to \"Calculation!G122\"."]
[null,null,5,"h","2017-08-08","D10316","S Greig","Calculation!H122","Changed to \"=INDEX($AH$22:$AH$26,G122)\"."]
[null,null,5,"h","2017-08-08","D10316","S Greig","Calculation!I122","Changed to \"='NSR Calculator'!M76\"."]
[null,null,5,"h","2017-08-08","D10316","S Greig","Calculation!J122","Changed to \"=INDEX($AH$22:$AK$26,G122,4)*I122\"."]
[null,null,5,"h","2017-08-08","D10316","S Greig","NSR Calculator!I76","Changed to \"=Calculation!J122\"."]
[null,null,5,"h","2017-08-08","D10316","S Greig","Calculation!J123","Changed from \"=J121*$AP$14\" to \"=(J121*$AP$14) + (J122*$AP$15)\"."]
[null,null,5,"h","2017-08-08","D10316","S Greig","Calculation!AN15","Changed to \"Boarder\"."]
[null,null,5,"h","2017-08-08","D10316","S Greig","Calculation!AP15","Changed to \"='Calculator Parameters'!C11\" which equals 50%."]
[null,null,5,"i","2017-08-08","D10316","S Greig","Calculation!I122","Changed to \"='NSR Calculator'!D76\"."]
[null,null,5,"j","2017-08-14","D10316","S Greig","NSR Calculator!E22-N45","Show the Calculation Gross Income on the main sheet. I.e. E22 is \"=Calculation!G53\"."]
[null,null,5,"j","2017-08-14","D10316","S Greig","unlock_macro Ln16","Show the hidden Annual Gross Incomes."]
[null,null,5,"j","2017-08-14","D10316","S Greig","lockup_macro Ln43","Hide the Annual Gross Incomes."]
[null,null,5,"k","2017-08-14","D10316","S Greig","NSR Calculator!F72:I72","Removed \"Please add description if any other expense\" form each of the cells."]
[null,null,5,"l","2017-08-14","D10316","S Greig","NSR Calculator!E145:F145","Merged cells to help with import."]
[null,null,5,"l","2017-08-14","D10316","S Greig","NSR Calculator!E146:F146","Merged cells to help with import."]
[null,null,5,"l","2017-08-14","D10316","S Greig","NSR Calculator!I76","Change number format to \"_-$* #,##0_-;-$* #,##0_-;_-$* \"-\"??_-;_-@_-\"."]
[null,null,5,"m","2017-08-14","D10316","S Greig","NSR Calculator!C71","Changed to \"= IF(D71=0,\"\",Calculation!$H$100)\" to show Rental Period in text file."]
[null,null,5,"m","2017-08-14","D10316","S Greig","NSR Calculator!F71","Changed to \"= IF(G71=0,\"\",Calculation!$H$106)\" to show Rental Period in text file."]
[null,null,5,"m","2017-08-14","D10316","S Greig","NSR Calculator!I71","Changed to \"= IF(J71=0,\"\",Calculation!$H$112)\" to show Rental Period in text file."]
[null,null,5,"m","2017-08-14","D10316","S Greig","NSR Calculator!L71","Changed to \"= IF(M71=0,\"\",Calculation!$H$118)\" to show Rental Period in text file."]
[null,null,5,"m","2017-08-14","D10316","S Greig","NSR Calculator!C76","Changed to \"= IF(D76=0,\"\",Calculation!$H$122)\" to show Rental Period in text file."]
[null,null,5,"m","2017-08-14","D10316","S Greig","NSR Calculator!F76:G76","Merged cells to help with import."]
[null,null,5.0999999999999996,"a","2017-08-14","D10316","S Greig","NSR Calculator!L4","Changed version to \"5.1\". Also change the file properties to reflect this."]
[null,null,5.0999999999999996,"c","2017-08-15","D10316b","S Greig","GetApplicationDate","Added method to get the date but the User Defined Function call is not working. Sort out at a later date."]
[null,null,5.0999999999999996,"e","2017-08-16","D10316b","S Greig","NSR Calculator!C11","Changed validation from \"=IF(LEN(C11)<>8,FALSE,IF(ISERROR(FIND(\"/\",C11,1)),TRUE,FALSE))\" to \"=IF(C11=\"99\",FALSE,TRUE)\"."]
[null,null,5.0999999999999996,"n","2017-08-16","D10316b","S Greig","NSR Calculator!C11","Auto fill the date of application based on what is provided, blank is OK. 99 will trigger ordinary validation message."]
[null,null,5.0999999999999996,"n","2017-08-16","D10316c","S Greig","ResetForm_ClearContents","Clear additional controls that were not being reset."]
[null,null,5.0999999999999996,"p","2017-08-17","D10316","S Greig","NSR Calculator!B62","Changed from \"Other Assistance Payments\" to \"Annual Other Assistance Payments\"."]
[null,null,5.0999999999999996,"s","2017-08-17","D10316","S Greig","ResetForm_ClearContents","Changed the order as it was trying to modify locked fields."]
[null,null,5.0999999999999996,"t","2017-08-17","D10316","S Greig","NSR Calculator!D58:M58","Changed D58 to \"=Calculation!I83\" to get the total deductions."]
[null,null,5.0999999999999996,"u","2017-08-17","D10316","S Greig","NSR Calculator!D64:M64","Changed D64 to \"=Calculation!I89+D60+D62\". Corrected the Total Eligible Income."]
[null,null,5.0999999999999996,"u","2017-08-17","D10316","S Greig","NSR Calculator!E141:F141","Merged cells to help with import. WHL NSR."]
[null,null,5.0999999999999996,"u","2017-08-17","D10316","S Greig","NSR Calculator!E131:F131","Merged cells to help with import. Total SBS Debt."]
[null,null,5.2,"a","2017-08-17","D10316","S Greig","NSR Calculator!L4","Changed version to \"5.2\". Also change the file properties to reflect this."]
[null,null,5.2,"b","2017-08-18","D10316","S Greig","ResetForm_ClearContents","Changed the order as it was trying to modify locked fields."]
[null,null,5.2,"e","2017-08-18","D10316","S Greig","ResetForm_ClearContents","Reset the Rental Frequency back to Weekly."]
[null,null,5.2,"f","2017-08-18","D10316","S Greig","ResetForm_ClearContents","Reset the Existing Debt labels."]
[null,null,5.2,"g","2017-08-18","D10316","S Greig","ResetForm_ClearContents","Reset the Include in NSR tick boxes."]
[null,null,5.2,"h","2017-08-18","D10316","S Greig","NSR Calculator!I472","Changed from \"=IF( $H$15,IF(AND('NSR Calculator'!G141<=95,'NSR Calculator'!G141>0),\"green\",\"red\"),IF($D$1,\"transparent\",\"automatic\"))\" to \"=IF( $H$15,IF('NSR Calculator'!G141>0,IF('NSR Calculator'!G141<=95,\"green\",\"red\"),\"transparent\"),IF($D$1,\"transparent\",\"automatic\"))\"."]
[null,null,5.3,"a","2017-08-18","D10316","S Greig","NSR Calculator!L4","Changed version to \"5.3\". Also change the file properties to reflect this."]
[null,null,5.3,"c","2017-08-18","D10316","S Greig","NSR Calculator!E27:N45","Adjusted Gross Incomes. i.e. E30 changed from \"=Calculation!G68\" to \"=Calculation!G68-Calculation!G53\"."]
[null,null,5.4,"a","2017-08-18","D10316","S Greig","NSR Calculator!L4","Changed version to \"5.4\". Also change the file properties to reflect this."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","NSR Calculator!rows 42-44","Copied Rows 42-44 and inserted at 45."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","NSR Calculator!rows 48-50","Copied Rows 48-50 and inserted at 51."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","NSR Calculator!B45","Changed from \"Commission\" to \"Investment\"."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","NSR Calculator!B48","Changed from \"Beneficiary\" to \"Contract\"."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","Calculation!rows 30-32","Copied Rows 30-32 and inserted at 33."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","Calculation!rows 39-41","Copied Rows 39-41 and inserted at 42."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","Calculation!C33","Changed from \"Commission\" to \"Investment\"."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","Calculation!C42","Changed from \"Beneficiary\" to \"Contract\"."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","Calculation!rows 69-72","Copied Rows 69-72 and inserted at 73."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","Calculation!rows 78-80","Copied Rows 78-80 and inserted at 81."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","Calculation!C72","Changed from \"Commission\" to \"Investment\"."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","Calculation!C81","Changed from \"Beneficiary\" to \"Contract\"."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","Calculation!B57:B81","Updated the order reference."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","NSR Calculator!C45:L45","Updated Frequency links for Investment."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","NSR Calculator!C51:L51","Updated Frequency links for Contract."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","NSR Calculator!E42:N51","Updated Gross Incomes references."]
[null,null,5.4,"c","2017-08-18","D10346","S Greig","NSR Calculator!28,31,34,37,40,43,46,49,52","Changed row height from 12 to 6 pixels."]
[null,null,5.4,"g","2017-08-21","D10346","S Greig","Calculation!rows 21-23","Moved Self Employed to the correct location in the Calculation sheet."]
[null,null,5.4,"g","2017-08-21","D10346","S Greig","NSR Calculator!C27:L51","Updated the Frequency links."]
[null,null,5.4,"g","2017-08-21","D10346","S Greig","Calculation!I18:U42","Updated the Amount links."]
[null,null,5.4,"h","2017-08-21","D10346","S Greig","Calculation!rows 60-62","Moved Self Employed to the correct location in the Calculation sheet."]
[null,null,5.4,"i","2017-08-21","D10346","S Greig","NSR Calculator!C28:L52","Updated the hidden Gross Income text formulas."]
[null,null,5.4,"j","2017-08-21","D10346","S Greig","Calculation!G78:U82","Updated the section links to add to the previous section. "]
[null,null,5.4,"j","2017-08-21","D10346","S Greig","NSR Calculator!E27:N51","Updated the hidden Gross Income figures."]
[null,null,5.4,"k","2017-08-21","D10346","S Greig","NSR Calculator!28,31,34,37,40,43,46,49,52","Changed the spacer line heights to be 8 to make them all equal."]
[null,null,5.4,"k","2017-08-21","D10346","S Greig","Calculation!K81","Corrected the formula. It was linked to the wrong previous figure."]
[null,null,5.4,"l","2017-08-21","D10346","S Greig","Calculation!G86:U86","Updated the Income totals. It was pointing to o the second to last section."]
[null,null,5.4,"m","2017-08-21","D10346","S Greig","Calculation!G87:J107","Emtied some cells that were not used anywhere."]
[null,null,5.4,"m","2017-08-21","D10346","S Greig","Calculation!G99:U99","Updated the weighted incomes i.e. G99 changed to \"=G59*$AP$9+(G62-G59)*$AP$12+(G71-G62)*$AP$10+(G74-G71)*$AP$11+(G77-G74)*$AP$10+(G80-G77)*$AP$13+(G83-G80)*$AP$12\"."]
[null,null,5.4,"o","2017-08-21","D10346","S Greig","Calculation!G99:U99","Manually deleted and shifted up cells to line up the right hand side of the spreadsheet to compensate for moving lines around."]
[null,null,5.4,"p","2017-08-21","D10346","S Greig","Calculation!","Checked dependencies with version 5.4b to find some other problems and cleaned out noise work areas."]
[null,null,5.4,"q","2017-08-21","D10346","S Greig","CheckBox1_Click","Updated cell references in code."]
[null,null,5.4,"q","2017-08-21","D10346","S Greig","CheckBox2_Click","Updated cell references in code."]
[null,null,5.4,"q","2017-08-21","D10346","S Greig","unlock_macro","Updated cell references in code."]
[null,null,5.4,"q","2017-08-21","D10346","S Greig","lockup_macro","Updated cell references in code."]
[null,null,5.4,"r","2017-08-21","D10346","S Greig","Calculation!","Removed file references from copied code from an earlier version."]
[null,null,5.4,"s","2017-08-21","D10346","S Greig","ResetForm_ClearContents","Updated cell references in code."]
[null,null,5.4,"t","2017-08-21","D10346","S Greig","NSR Calculator!L9","Update lookup links."]
[null,null,5.4,"w","2017-08-22","D10346","S Greig","NSR Calculator!","Updated ALL cell references to the Calculation Sheet."]
[null,null,5.4,"x","2017-08-22","D10346","S Greig","NSR Calculator!28,31,34,37,40,43,46,49,52","Changed row height from 12 to 5 pixels so it all fits on a page."]
[null,null,5.5,"a","2017-08-22","D10346","S Greig","NSR Calculator!L4","Changed version to \"5.5\". Also change the file properties to reflect this."]
[null,null,5.5,"c","2017-08-22","D10346","S Greig","Calculation!Q103","Changed C79 to C84 so it will include Boarder Income."]
[null,null,5.5,"d","2017-08-22","D10346","S Greig","NSR Calculator!I82","Changed to \"=Calculation!$J$134\"."]
[null,null,5.5,"d","2017-08-22","D10346","S Greig","unlock_macro","Show L9 then Float/Fix selection."]
[null,null,5.5,"d","2017-08-22","D10346","S Greig","lockup_macro","Hide L9 then Float/Fix selection."]
[null,null,5.5,"d","2017-08-22","D10346","S Greig","NSR Calculator!L9","\"= Calculation!$P$252\"."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","NSR Calculator!F84:I84","Cleared cells."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","NSR Calculator!F84","Copied cell B84 to F84 and changed to \"Total Eligible Annual Boarder Income\"."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","NSR Calculator!F84:G84","Merged cells."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","NSR Calculator!I84","Copied I82 to I84 and changed to \"=Calculation!$J$136\"."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","Calculation!Q103","Changed from \"=(G86+K86+O86+S86)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+'NSR Calculator'!C84\" to \"=($G$86+$K$86+$O$86+$S$86)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+$J$133+$J$134\"."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","Calculation!C136","Changed to \"Weighted Annual Boarder Income\"."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","Calculation!J135","Changed from \"=(J133*$AP$14) + (J134*$AP$15)\" to \"=J133*$AP$14\"."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","Calculation!J136","Changed from \"J134*$AP$15\"."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","Calculation!J137","Changed from \"=J135/12\" to \"=(J135+J136)/12\"."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","NSR Calculator!C154","Changed from \"=C84\" to \"=C84+I84\"."]
[null,null,5.5,"f","2017-08-22","D10346","S Greig","Calculation!Q104","Changed from \"=(G99+K99+O99+S99)-(I95+M95+Q95+U95)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+'NSR Calculator'!C84\" to \"=(G99+K99+O99+S99)-(I95+M95+Q95+U95)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J135+J136\"."]
[null,null,5.5,"h","2017-08-23","D10346","S Greig","Calculation!C149 + G147","Changed format to \"_-* #,##0.00_-;-* #,##0.00_-;_-* \"-\"??_-;_-@_-\" as it was showing negatives in brackets before change."]
[null,null,5.5,"h","2017-08-23","D10346","S Greig","Calculation!C149 + G147","Updated the conditional formatting links."]
[null,null,5.5,"h","2017-08-23","D10346","S Greig","Calculation!F427:L427","Updated links to current sheet and added Other Assistance to Addbacks i.e. F427 changed from \"='NSR Calculator'!D66*'Calculator Parameters'!$C$13\" to \"=('NSR Calculator'!D66+'NSR Calculator'!D68)*$AP$12\"."]
[null,null,5.6,"a","2017-08-23","D10346","S Greig","NSR Calculator!L4","Changed version to \"5.6\". Also change the file properties to reflect this."]
[null,null,5.6,"c","2017-08-23","D10346","S Greig","NSR Calculator!I60:I62","Moved the dropdown controls slightly to the left so they do not cover box on right."]
[null,null,5.6,"c","2017-08-23","D10346","S Greig","NSR Calculator!C77:L77 + C82","Moved the dropdown controls slightly to the left so they do not cover box on right."]
[null,null,5.6,"c","2017-08-23","D10346","S Greig","NSR Calculator!C27:L51","Moved the dropdown controls slightly to the left so they do not cover box on right."]
[null,null,5.6,"c","2017-08-23","D10346","S Greig","NSR Calculator!B98:B127","Standardized dropdown box sizes for Existing Debts."]
[null,null,5.6,"c","2017-08-23","D10346","S Greig","NSR Calculator!F16","Added spaces to end of right aligned label show it displayed correctly."]
[null,null,5.6,"e","2017-08-25","D10346","S Greig","unlock_macro","Remove line hiding row 46 in NSR Calculator."]
[null,null,5.6,"e","2017-08-25","D10346","S Greig","lockup_macro","Remove line showing 46 in NSR Calculator."]
[null,null,5.6,"f","2017-08-25","D10346","S Greig","NSR Calculator!C27:C30","Moved 2 dropdowns left by one click."]
[null,null,5.6,"i","2017-08-25","D10346","S Greig","Calculation!Y63:AE80","Corrected Gross Levy calculations, The Nets will be incorrect."]
[null,null,5.6,"k","2017-08-25","D10346","S Greig","Calculation!Y57:AE81","Corrected Gross Levy calculations, The Nets will be incorrect."]
[null,null,5.7,"a","2017-08-25","D10346","S Greig","NSR Calculator!L4","Changed version to \"5.7\". Also change the file properties to reflect this."]
[null,null,5.7,"c","2017-08-28","D10346","S Greig","Calculation!J300","WHL NSR change from \"=(J295+J265)/J261\" to \"=(J293+J289)/J261\"."]
[null,null,5.8,"a","2017-08-28","D10346","S Greig","NSR Calculator!L4","Changed version to \"5.8\". Also change the file properties to reflect this."]
[null,null,5.8,"c","2017-08-29","D10346","S Greig","ResetForm_ClearContents","Clear boarder income figure D82."]
[null,null,5.8,"e","2017-08-29","D10346","S Greig","Calculation!X91","Changed to \"=(I91+M91+Q91+U91)/12\" to get the total of the KiwiSaver deductions."]
[null,null,5.8,"e","2017-08-29","D10346","S Greig","Calculation!X92","Changed to \"Total monthly KiwiSaver deductions for WHL NSR\"."]
[null,null,5.8,"e","2017-08-29","D10346","S Greig","Calculation!J300"," Changed from \"=(J293+J289)/J261\" to \"=(J293+J289)/(J261+X91)\"."]
[null,null,5.9,"a","2017-08-29","D10346","S Greig","NSR Calculator!L4","Changed version to \"5.9\". Also change the file properties to reflect this."]
[null,null,5.9,"c","2017-08-29","D10346","S Greig","Calculation!Y85:AE85","Determine self-employed ACC levy. i.e. Y85 changed to \"=Y62-Y59\"."]
[null,null,5.9,"c","2017-08-29","D10346","S Greig","Calculation!C85","Changed to \"Self-employed ACC levies\"."]
[null,null,5.9,"c","2017-08-29","D10346","S Greig","Calculation!H86:U86","Remove Self-employed ACC levy from Levies and add to net income. i.e. H86 changed from \"=H83\" to \"=H83-Y85\" and H87 changed from \"=I83\" to \"=I83+Y85\"."]
[null,null,5.9,"d","2017-08-29","D10346","S Greig","Calculation!I99:U99","Add Self-employed ACC levy to Net Incomes for weighted calculations. i.e. I99 changed from \"=I59*$AP$9+(I62-I59)*$AP$12+(I71-I62)*$AP$10+(I74-I71)*$AP$11+(I77-I74)*$AP$10+(I80-I77)*$AP$13+(I83-I80)*$AP$12\" to \"=I59*$AP$9+(I62-I59+Y85)*$AP$12+(I71-I62)*$AP$10+(I74-I71)*$AP$11+(I77-I74)*$AP$10+(I80-I77)*$AP$13+(I83-I80)*$AP$12\"."]
[null,null,6,"a","2017-08-29","D10346","S Greig","NSR Calculator!L4","Changed version to \"6.0\". Also change the file properties to reflect this."]
[null,null,6,"c","2017-08-30","D10346","S Greig","Calculation!AA61:AE61","Corrected the Self-employed net ACC formulas."]
[null,null,6.1,"a","2017-08-30","D10346","S Greig","NSR Calculator!L4","Changed version to \"6.1\". Also change the file properties to reflect this."]
[null,null,6.1,"c","2017-09-15","D10430","S Greig","NSR Calculator!C82","Changed from \"\" to \"= IF(D82=0,\"\",Calculation!$H$134)\"."]
[null,null,6.1,"d","2017-09-15","D10430","S Greig","NSR Calculator!F82:H82","Merged cells changed from F82:G82 to F82:H82."]
[null,null,6.1,"d","2017-09-15","D10430","S Greig","NSR Calculator!F84:H84","Merged cells changed from F84:G84 to F84:H84."]
[null,null,6.2,"a","2017-09-19","D10430","S Greig","NSR Calculator!L4","Changed version to \"6.2\". Also change the file properties to reflect this."]
[null,null,6.2,"c","2017-09-20","D10445","S Greig","NSR Calculator!C266","Changed to \"MLA correction factor as WHL only uses MLA\"."]
[null,null,6.2,"c","2017-09-20","D10445","S Greig","NSR Calculator!I266","Changed to \"=IF(G263>=G264,0,G263-G264)\". Adding this factor will undo the max comparison."]
[null,null,6.2,"c","2017-09-20","D10445","S Greig","NSR Calculator!I300","Changed from \"=(J293+J289)/(J261+X91)\" to \"=(J293+J289+I266)/(J261+X91)\". This ensures WHL only uses default MLA,"]
[null,null,6.3,"a","2017-09-20","D10445","S Greig","NSR Calculator!L4","Changed version to \"6.3\". Also change the file properties to reflect this."]
[null,null,6.3,"d","2017-09-28","MESSAGE","S Greig","NSR Calculator!","Note the LA import will not like decimal places for incomes. OK at the moment."]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Comment"," The ACC is only calculated on all Salary incomes (except Self-employed/Business, Financial account addback, Other assistance payments, Rentals and Boarder Income) "]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Comment","No allowance needs to be made for Self-employed ACC. "]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Calculation!Y60:AE60","Changed Y60 from \"=IF(G59>$AO$44,$AM$44,IF(AND(G60>$AO$45,F60>0),$AM$45,IF(F60>0,(G59*$AK$44)+(F60*$AK$45),Y59)))\" to \"=Y59\"."]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Calculation!Y61:AE61","Changed Y61 from \"=IF((G59)>$AO$44,$AM$44,IF(G61>$AO$45,$AM$45,IF(F61>0,(G59*$AK$44)+(F61*$AK$45),Y60)))\" to \"=Y59\"."]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Calculation!Y63:AE63","Changed Y63 from \"=IF((G63-F$62)>$AO$44,$AM$44,IF(AND(G63>$AO$45,F$62>0),$AM$45,IF((G63-G64)>0,((G63-F$62)*$AK$44)+(F$62*$AK$45),Y62)))\" to \"=IF((G63-$F$62)>$AO$44,$AM$44,IF((G63-G62)>0,(G63-$F$62)*$AK$44,Y62))\"."]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Calculation!Y66:AE66","Changed Y66 from \"=IF((G66-F$62)>$AO$44,$AM$44,IF(AND(G66>$AO$45,F$62>0),$AM$45,IF((G66-G65)>0,((G66-F$62)*$AK$44)+(F$62*$AK$45),Y65)))\" to \"=IF((G66-$F$62)>$AO$44,$AM$44,IF((G66-G65)>0,(G66-$F$62)*$AK$44,Y65))\"."]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Calculation!Y69:AE69","Changed Y69 from \"=IF((G69-F$62)>$AO$44,$AM$44,IF(AND(G69>$AO$45,F$62>0),$AM$45,IF((G69-G68)>0,((G69-F$62)*$AK$44)+(F$62*$AK$45),Y68)))\" to \"=IF((G69-$F$62)>$AO$44,$AM$44,IF((G69-G68)>0,(G69-$F$62)*$AK$44,Y68))\"."]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Calculation!Y72:AE72","Changed Y72 from \"=IF((G72-F$62)>$AO$44,$AM$44,IF(AND(G72>$AO$45,F$62>0),$AM$45,IF((G72-G71)>0,((G72-F$62)*$AK$44)+(F$62*$AK$45),Y71)))\" to \"=IF((G72-$F$62)>$AO$44,$AM$44,IF((G72-G71)>0,(G72-$F$62)*$AK$44,Y71))\"."]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Calculation!Y75:AE75","Changed Y75 from \"=IF((G75-F$62)>$AO$44,$AM$44,IF(AND(G75>$AO$45,F$62>0),$AM$45,IF((G75-G74)>0,((G75-F$62)*$AK$44)+(F$62*$AK$45),Y74)))\" to \"=IF((G75-$F$62)>$AO$44,$AM$44,IF((G75-G74)>0,(G75-$F$62)*$AK$44,Y74))\""]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Calculation!Y78:AE78","Changed Y78 from \"=IF((G78-F$62)>$AO$44,$AM$44,IF(AND(G78>$AO$45,F$62>0),$AM$45,IF((G78-G77)>0,((G78-F$62)*$AK$44)+(F$62*$AK$45),Y77)))\" to \"=IF((G78-$F$62)>$AO$44,$AM$44,IF((G78-G77)>0,(G78-$F$62)*$AK$44,Y77))\"."]
[null,null,6.3,"f","2017-11-03","D10571","S Greig","Calculation!Y81:AE81","Changed Y81 from \"=IF((G81-F$62)>$AO$44,$AM$44,IF(AND(G81>$AO$45,F$62>0),$AM$45,IF((G81-G80)>0,((G81-F$62)*$AK$44)+(F$62*$AK$45),Y80)))\" to \"=IF((G81-$F$62)>$AO$44,$AM$44,IF((G81-G80)>0,(G81-$F$62)*$AK$44,Y80))\"."]
[null,null,6.3,"h","2017-11-03","D10571","S Greig","Calculation!H86:T86","Changed H86 from \"=H83-Y85\" to \"=H83\"."]
[null,null,6.3,"h","2017-11-03","D10571","S Greig","Calculation!I86:U86","Changed I86 from \"=I83+Y85\" to \"=I83\"."]
[null,null,6.3,"h","2017-11-03","D10571","S Greig","Calculation!I99:U99","Changed I99 from \"=I59*$AP$9+(I62-I59+Y85)*$AP$12+(I71-I62)*$AP$10+(I74-I71)*$AP$11+(I77-I74)*$AP$10+(I80-I77)*$AP$13+(I83-I80)*$AP$12\" to \"\"."]
[null,null,6.3,"h","2017-11-03","D10571","S Greig","Calculation!Y85:AE85","Changed Y85 from \"=Y62-Y59\" to \"\"."]
[null,null,6.3,"h","2017-11-03","D10571","S Greig","Calculation!C85","Changed from \"Self-employed ACC levies\" to \"\"."]
[null,null,6.4,"a","2017-11-03","D10571","S Greig","NSR Calculator!L4","Changed version to \"6.4\". Also change the file properties to reflect this."]
[null,null,6.4,"c","2017-11-06","D10571","S Greig","Calculation!Y64:AE64","Changed AE64 from \"=IF((S64-R$62)>$AO$44,$AM$44,IF(R$62>$AO$45,$AM$45,IF((S64-S$62)>0,((S64-S$62)*$AK$44)+AE$62,AE$62)))\" to \"=IF((S64-$R$62)>$AO$44,$AM$44,IF((S64-S62)>0,(S64-$R$62)*$AK$44,AE62))\"."]
[null,null,6.4,"c","2017-11-06","D10571","S Greig","Calculation!Y67:Y82","Copyed Y64 to Y67, Y70, Y73, Y76, Y79 , Y82."]
[null,null,6.4,"c","2017-11-06","D10571","S Greig","Calculation!AA67:AA82","Copyed AA64 to AA67, AA70, AA73, AA76, AA79 , AA82."]
[null,null,6.4,"c","2017-11-06","D10571","S Greig","Calculation!AC67:AC82","Copyed AC64 to AC67, AC70, AC73, AC76, AC79 , AC82."]
[null,null,6.4,"c","2017-11-06","D10571","S Greig","Calculation!AE67:AE82","Copyed AE64 to AE67, AE70, AE73, AE76, AE79 , AE82."]
[null,null,6.5,"a","2017-11-06","D10571","S Greig","NSR Calculator!L4","Changed version to \"6.5\". Also change the file properties to reflect this."]
[null,null,6.5,"c","2017-11-08","D10571","S Greig","NSR Calculator!B48","Changed from \"Beneficiary\" to \"Benefits including Superannuation\"."]
[null,null,6.6,"a","2017-11-08","D10571","S Greig","NSR Calculator!L4","Changed version to \"6.6\". Also change the file properties to reflect this."]
[null,null,6.6,"c","2018-01-23","D10746","S Greig","Calculator Parameters!D19","Changed from 1724.33 to 1755.37."]
[null,null,6.6,"c","2018-01-23","D10746","S Greig","Calculator Parameters!D20","Changed from 1696.67 to 1724.33."]
[null,null,6.7,"a","2018-01-25","D10746","S Greig","NSR Calculator!L4","Changed version to \"6.7\". Also change the file properties to reflect this."]
[null,null,6.7,"c","2018-02-22","D10807","S Greig","Calculator Parameters!F32","Changed from \"\" to \"Before 1/4/18\"."]
[null,null,6.7,"c","2018-02-22","D10807","S Greig","Calculator Parameters!F33-34","Copied B33-34 to F33-34 to keep a record of the previous value."]
[null,null,6.7,"c","2018-02-22","D10807","S Greig","Calculator Parameters!B34","Changed from \"19136\" to \"19448\"."]
[null,null,6.8,"a","2018-02-22","D10807","S Greig","NSR Calculator!L4","Changed version to \"6.8\". Also change the file properties to reflect this."]
[null,null,6.8,"c","2010-03-16","D10873","S Greig","NSR Calculator!E156","Changed to \"Exp @ % Tot Gross Income\"."]
[null,null,6.8,"c","2010-03-16","D10873","S Greig","NSR Calculator!G156","Copied G152 to G156 to get the formatting."]
[null,null,6.8,"d","2018-03-19","D10873","S Greig","Calculation!C262","Changed to \"Expenses  as % of Total Gross Income\"."]
[null,null,6.8,"d","2018-03-19","D10873","S Greig","Calculation!I265","Changed from \"=MAX(G263:G264)\" to \"\"=MAX(G262:G264)\"."]
[null,null,6.8,"d","2018-03-19","D10873","S Greig","Calculation!AY140","Changed to \"Expense as % Total Gross Income\"."]
[null,null,6.8,"d","2018-03-19","D10873","S Greig","Calculation!BB139","Changed to \"Income\"."]
[null,null,6.8,"d","2018-03-19","D10873","S Greig","Calculation!BB140","Changed to \"$130,000\" to store the cut-off income."]
[null,null,6.8,"d","2018-03-19","D10873","S Greig","Calculation!BC139","Changed to \"Rate\"."]
[null,null,6.8,"d","2018-03-19","D10873","S Greig","Calculation!BC140","Changed to \"20%\" to store the rate to use."]
[null,null,6.8,"d","2018-03-19","D10873","S Greig","Calculation!G262","Changed to \"=IF(Q103>BB140,Q103*BC140,0)\"."]
[null,null,6.8,"f","2018-03-20","D10873","S Greig","Calculation!G262","Changed from \"=IF(Q103>BB140,Q103*BC140,0)\" to \"=IF(H15,0,IF( Q103>BB140,Q103*BC140,0))\"."]
[null,null,6.8,"f","2018-03-20","D10873","S Greig","NSR Calculator!E156","Changed from \"=IF(Calculation!E262>0,\"Exp @ % Tot Gross Income\",\"\")\" to \"=IF(Calculation!G262>0,\"Exp as % Tot Gross Income\",\"\")\"."]
[null,null,6.8,"f","2018-03-20","D10873","S Greig","NSR Calculator!F","Changed width from 17 to 17.29 to fit in the word Income."]
[null,null,6.9,"a","2018-03-20","D10873","S Greig","NSR Calculator!L4","Changed version to \"6.9\". Also change the file properties to reflect this."]
[null,null,6.9,"a","2018-03-20","D10873","S Greig","NSR Calculator!M","Changed width from 17 to 16.71."]
[null,null,6.9,"a","2018-03-20","D10873","S Greig","Calculation!G262","Changed from \"=IF(H15,0,IF( Q103>BB140,Q103*BC140,0))\" to \"=IF(H15,0,IF( Q103>BB140,(Q103*BC140)/12,0))\"."]
[null,null,6.9,"a","2018-03-20","D10873","S Greig","NSR Calculator!G156","Changed from \"=IF(Calculation!G262>0,Calculation!G262,\"\")\" to \"=IF(Calculation!G262>0,Calculation!G262*12,\"\")\"."]
[null,null,6.9,"c","2018-03-28","D10905","S Greig","Module1()","Added BrokerVersion as a global constant."]
[null,null,6.9,"c","2018-03-28","D10905","S Greig","Workbook_Open()","Ensure version shows Broker correctly, avoid the new or existing question and hide the Save button."]
[null,null,6.9,"c","2018-03-28","D10905","S Greig","NSR Calculator!L4","Changed version to \"Broker 6.9\". "]
[null,null,6.9,"e","2018-03-28","D10905","S Greig","Workbook_BeforeClose()","Added method to suppress saving for the broker version."]
[null,null,6.9,"e","2018-03-28","D10905","S Greig","CloseWithoutSaving()","Added method to suppress saving for the broker version."]
[null,null,6.9,"e","2018-03-28","D10905","S Greig","Save_Application()","Improved the closing after saving to not leave Excel open if there are no more Workbooks open."]
[null,null,6.9,"f","2018-03-28","D10905","S Greig","Create a Broker Version","1) Add Broker before Version in L4 and 2) Change BrokerVersion to True in Module1 and 3) Add _Broker to the file name."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","NSR Calculator!L4","Changed version to \"7.1\". Also change the file properties to reflect this."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!R18:S20","Copied P18:Q20 to R18:S20 to keep a record of the previous value."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!R18","Changed from \"2018/19\" to \"2019/20\"."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!R19-20","Changed both cells to from 0.0139 to 0.0121 for the historical record."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!C19-20","Changed both cells to from 0.0139 to 0.0121."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!G32-34","Copied F32-34 to G32-34 to keep a record of the previous value."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!H32-34","Copied F32-34 to H32-34 to keep a record of the previous value."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!G32","Changed from \"Before 1/4/18\" to \"'1/4/18\"."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!H32","Changed from \"Before 1/4/18\" to \"'1/4/19\"."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!G34","Changed from 19136 to 19448."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!H34","Changed from 19136 to 19760."]
[null,null,7.1,"a","2019-03-18","D11688","S Greig","Calculator Parameters!B34","Changed from 19448 to 19760."]
[null,null,7.1,"b","2019-03-18","D11688","S Greig","Module1()","Changed BrokerVersion to True."]
[null,null,7.1,"b","2019-03-18","D11688","S Greig","NSR Calculator!L4","Changed version to \"Broker 7.1\". "]
[null,null,7.2,"a","2019-03-18","D11688","S Greig","Module1()","Changed BrokerVersion to False."]
[null,null,7.2,"a","2019-03-18","D11688","S Greig","NSR Calculator!L4","Changed version to \"Version 7.2\". "]
[null,null,7.2,"a","2019-03-18","D11688","S Greig","Calculator Parameters!S19","Changed from \"1755.37\" to \"1554.48\""]
[null,null,7.2,"a","2019-03-18","D11688","S Greig","Calculator Parameters!S20","Changed from \"1724.33\" to \"1554.48\""]
[null,null,7.2,"a","2019-03-18","D11688","S Greig","Calculator Parameters!D19","Changed from \"1755.37\" to \"1554.48\""]
[null,null,7.2,"a","2019-03-18","D11688","S Greig","Calculator Parameters!D20","Changed from \"1724.33\" to \"1554.48\""]
[null,null,"7.2b","b","2019-03-18","D11688","S Greig","Module1()","Changed BrokerVersion to True."]
[null,null,"7.2b","b","2019-03-18","D11688","S Greig","NSR Calculator!L4","Changed version to \"Broker 7.2\". "]
[null,null,7.3,"a","2019-03-19","D11688","S Greig","Module1()","Changed BrokerVersion to False."]
[null,null,7.3,"a","2019-03-19","D11688","S Greig","NSR Calculator!L4","Changed version to \"Version 7.3\". "]
[null,null,7.3,"a","2019-03-19","D11688","S Greig","Calculator Parameters!C19-20","Changed both cells to from 0.0121 to 0.0139."]
[null,null,7.3,"a","2019-03-19","D11688","S Greig","Calculator Parameters!R19-20","Changed both cells to from 0.0121 to 0.0139."]
[null,null,7.3,"a","2019-03-19","D11688","S Greig","Calculator Parameters!D19-20","Changed from \"1554.48\" to \"1785.73\"."]
[null,null,7.3,"a","2019-03-19","D11688","S Greig","Calculator Parameters!S19-20","Changed from \"1554.48\" to \"1785.73\"."]
[null,null,"7.3u","a","2019-03-19","D11688","S Greig","To create a Unlock Version","Copy and add \"_Unlocked\" to name before setting Module1 LockedVersion to False and right-click on VBAProject - Properties and untick Lock project for viewing and blank passwords. "]
[null,null,7.3,"b","2019-03-19","D11688","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,"7.3b","b","2019-03-19","D11688","S Greig","Module1()","Changed BrokerVersion to True."]
[null,null,"7.3b","b","2019-03-19","D11688","S Greig","NSR Calculator!L4","Changed version to \"Broker 7.3\". "]
[null,null,7.4,"a","2019-03-20","D11694","S Greig","Module1()","Changed BrokerVersion to False."]
[null,null,7.4,"a","2019-03-20","D11694","S Greig","NSR Calculator!L4","Changed version to \"Version 7.4\". "]
[null,null,7.4,"a","2019-11-13","D12206","S Greig","ResetForm_ClearContents()","Changed \"Welcome Home Loan\" comment to \"First Home Loan\"."]
[null,null,7.4,"a","2019-11-13","D12206","S Greig","CheckBox4_Click()","Changed \"Welcome Home Loan\" comment to \"First Home Loan\"."]
[null,null,7.4,"b","2019-11-13","D12206","S Greig","NSR Calculator!CheckBox4","Changed caption from \"Welcome Home Loan\" to \"First Home Loan\"."]
[null,null,7.4,"b","2019-11-13","D12206","S Greig","unlock_macro()","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.4,"b","2019-11-13","D12206","S Greig","lockup_macro()","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.4,"b","2019-11-13","D12206","S Greig","NSR Calculator!E147","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.4,"c","2019-11-13","D12206","S Greig","Calculation!G15","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.4,"c","2019-11-13","D12206","S Greig","Calculation!Y91","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.4,"c","2019-11-13","D12206","S Greig","Calculation!C266","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.4,"c","2019-11-13","D12206","S Greig","Calculation!C300","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.4,"c","2019-11-13","D12206","S Greig","Calculation!C483","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.4,"c","2019-11-13","D12206","S Greig","Calculation!K483","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.4,"c","2019-11-13","D12206","S Greig","Calculation!C484","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.4,"c","2019-11-13","D12206","S Greig","Calculation!K484","Changed \"WHL\" comment to \"FHL\"."]
[null,null,7.5,"b","2019-11-15","D12218","S Greig","NSR Calculator!L4","Changed version to \"Version 7.5\". "]
[null,null,7.5,"c","2019-11-20","D12218","S Greig","Calculation!AV129","Changed text to \"Non-FHL\". This was to label the current value."]
[null,null,7.5,"c","2019-11-20","D12218","S Greig","Calculation!G263","Changed from \"=AW129+J149\" to \"=IF(H15,AW130,AW129+J149)\". This will switch values depending on the FHL setting."]
[null,null,7.5,"c","2019-11-20","D12218","S Greig","Calculation!AV130","Changed text to \"FHL\". This was to label the new value."]
[null,null,7.5,"c","2019-11-20","D12218","S Greig","Calculation!AY130","Changed text to \"'This was calculated in a different sheet.\"."]
[null,null,7.5,"c","2019-11-20","D12218","S Greig","FHL MLA!","Added a new sheet and populated it."]
[null,null,7.5,"c","2019-11-20","D12218","S Greig","Calculation!AW130","Changed text to \"='FHL MLA'!C7\".  This is the output from the FHL MLA sheet."]
[null,null,7.5,"d","2019-11-20","D12218","S Greig","Workbook_Open","Added Sheet1 (FHL MLA)."]
[null,null,7.6,"a","2019-12-03","D12218","S Greig","NSR Calculator!L4","Changed version to \"Version 7.6\". "]
[null,null,7.6,"b","2019-12-03","D12218","S Greig","Calculation!G263","Changed from \"=IF(H15,AW130,AW129+J149)\" to  \"=AW129+J149\"."]
[null,null,7.6,"c","2019-12-03","D12218","S Greig","Calculation!I266","Changed from \"=IF(G263>=G264,0,G263-G264)\" to \"=IF(AW130>=G264,0,AW130-G264)\"."]
[null,null,7.6,"d","2019-12-04","D12218","S Greig","Calculation!I266","Changed from \"=IF(AW130>=G264,0,AW130-G264)\" to \"=IF(AW130>=G263,IF(AW130>=G264,0,AW130-G264),IF(G263>=G264,AW130-G263,AW130-G264))\"."]
[null,null,7.6,"e","2019-12-04","D12218","S Greig","Calculation!H261","Changed to \"FHL MLA\". This is to document the value."]
[null,null,7.6,"e","2019-12-04","D12218","S Greig","Calculation!H263","Changed to \"=AW130\". This is to bring the value close to where it is used."]
[null,null,7.6,"e","2019-12-04","D12218","S Greig","Calculation!I266","Changed from \"=IF(AW130>=G263,IF(AW130>=G264,0,AW130-G264),IF(G263>=G264,AW130-G263,AW130-G264))\" to \"=H263-I265\"."]
[null,null,7.6,"g","2019-12-04","D12218","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,7.7,"a","2019-12-04","D12218","S Greig","NSR Calculator!L4","Changed version to \"Version 7.7\". "]
[null,null,7.7,"c","2019-12-04","D12218","S Greig","To create a Unlock Version","Copy and add \"_Unlocked\" to name before setting Module1 LockedVersion to False and right-click on VBAProject - Properties and untick Lock project for viewing and blank passwords. "]
[null,null,7.7,"d","2019-12-04","D12218","S Greig","Calculation!H265","Changed to \"=IF(H15,H263,0)\". Use the FHL MLA if FHL otherwise leave as zero."]
[null,null,7.7,"d","2019-12-04","D12218","S Greig","NSR Calculator!D90","Changed to \"=IF(Calculation!$H$265=0,\"\",Calculation!$H$265*12)\". This will show the FHL MLA * 12 or it will be blank if not FHL. Format was from the cell to the left."]
[null,null,7.7,"d","2019-12-04","D12218","S Greig","NSR Calculator!D156","Changed to \"=D90\". Format was from the cell to the left."]
[null,null,7.7,"f","2019-12-04","D12218","S Greig","NSR Calculator!D88","Changed to \"=IF(Calculation!$H$265=0,\"\",\"FHL\")\". Show a label for clarity."]
[null,null,7.7,"g","2019-12-04","D12218","S Greig","NSR Calculator!D156","Changed from \"=D90\" to \"\"."]
[null,null,7.7,"g","2019-12-04","D12218","S Greig","NSR Calculator!C156","Changed from \"=C90\" to \"=IF(Calculation!$H$265=0,C90,D90)\"."]
[null,null,7.7,"g","2019-12-04","D12218","S Greig","FHL MLA!D10","Changed from \"=IF($C$4>=C25,D25,IF($C$4>=C24,D24,IF($C$4>=C23,D23,IF($C$4>=C22,D22,IF($C$4>=C21,D21,IF($C$4>=C20,D20,IF($C$4>=C19,D19,IF($C$4>=C18,D18,IF($C$4>=C17,D17,IF($C$4>=C16,D16,IF($C$4>=C15,D15,D14)))))))))))\" to \"=IF($C$4>C25,D25,IF($C$4>=C24,D24,IF($C$4>=C23,D23,IF($C$4>=C22,D22,IF($C$4>=C21,D21,IF($C$4>=C20,D20,IF($C$4>=C19,D19,IF($C$4>=C18,D18,IF($C$4>=C17,D17,IF($C$4>=C16,D16,IF($C$4>=C15,D15,D14)))))))))))\"."]
[null,null,7.7,"h","2019-12-04","D12218","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,7.8,"a","2019-12-04","D12218","S Greig","NSR Calculator!L4","Changed version to \"Version 7.8\". "]
[null,null,7.8,"b","2019-12-04","D12218","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 7.8\". "]
[null,null,7.8,"b","2019-12-04","D12218","S Greig","Module1()","Changed BrokerVersion to True."]
[null,null,7.8,"c","2019-12-04","D12218","S Greig","To create a Unlock Version","Copy and add \"_Unlocked\" to name before setting Module1 LockedVersion to False and right-click on VBAProject - Properties and untick Lock project for viewing and blank passwords. "]
[null,null,7.8,"c","2019-12-04","D12218","S Greig","Module1()","Changed BrokerVersion to False."]
[null,null,7.8,"c","2019-12-04","D12218","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 7.8\". "]
[null,null,7.8,"d","2019-12-09","D12218","S Greig","Module1()","Changed BrokerVersion to True."]
[null,null,7.8,"d","2019-12-09","D12218","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 7.8\". "]
[null,null,7.9,"a","2019-12-16","D12297","S Greig","NSR Calculator!L4","Changed version to \"Version 7.9\". "]
[null,null,7.9,"a","2019-12-16","D12297","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,7.9,"a","2019-12-16","D12297","S Greig","Module1()","Changed BrokerVersion to False."]
[null,null,7.9,"a","2019-12-16","D12297","S Greig","Calculation!G262","Changed from \"=IF(H15,0,IF( Q103>BB140,(Q103*BC140)/12,0))\" to \"=IF( Q103>BB140,(Q103*BC140)/12,0)\"."]
[null,null,7.9,"b","2019-12-16","D12297","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 7.9\". "]
[null,null,7.9,"b","2019-12-16","D12297","S Greig","Module1()","Changed BrokerVersion to True."]
[null,null,7.9,"c","2019-12-16","D12297","S Greig","To create a Unlock Version","Copy and add \"_Unlocked\" to name before setting Module1 LockedVersion to False and right-click on VBAProject - Properties and untick Lock project for viewing and blank passwords. "]
[null,null,7.9,"c","2019-12-16","D12297","S Greig","Module1()","Changed BrokerVersion to False."]
[null,null,7.9,"c","2019-12-16","D12297","S Greig","Module1()","Changed LockedVersion to False."]
[null,null,7.9,"c","2019-12-16","D12297","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 7.9\". "]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Module1()","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Calculator Parameters!R18:S20","Copied cells to T18:U:20."]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Calculator Parameters!T18","Changed from \"2019/20\" to \"2020/21\"."]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Calculator Parameters!H32-H34","Copied cells to I32:I34."]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Calculator Parameters!I32","Changed from \"'1/4/19\" to \"'1/4/20\"."]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Calculator Parameters!I34","Changed from \"19760\" to \"20020\"."]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Calculator Parameters!B34","Changed from \"19760\" to \"20020\"."]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Calculator Parameters!U19","Changed from \"1785.73\" to 1819.66. Equals Maximum ACC Liable earnings multiplied by the ACC earner levy = $130,911 * 0.0139 = $1,819.66."]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Calculator Parameters!U20","Changed from \"1785.73\" to 1819.66."]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Calculator Parameters!D19","Changed from \"1785.73\" to 1819.66."]
[null,null,7.9,"d","2020-02-18","D12399","S Greig","Calculator Parameters!D20","Changed from \"1785.73\" to 1819.66."]
[null,null,8,"a","2020-02-18","D12399","S Greig","NSR Calculator!L4","Changed version to \"Version 8.0\". "]
[null,null,8,"b","2020-03-30","D12399","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 8.0\". "]
[null,null,8,"b","2020-03-30","D12399","S Greig","Module1()","Changed BrokerVersion to True."]
[null,null,8,"c","2020-03-30","D12399","S Greig","To create a Unlock Version","Copy and add \"_Unlocked\" to name before setting Module1 LockedVersion to False and right-click on VBAProject - Properties and untick Lock project for viewing and blank passwords. "]
[null,null,8,"c","2020-03-30","D12399","S Greig","Module1()","Changed BrokerVersion to False."]
[null,null,8,"c","2020-03-30","D12399","S Greig","Module1()","Changed LockedVersion to False."]
[null,null,8,"c","2020-03-30","D12399","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 8.0\". "]
[null,null,8.1,"a","2020-08-06","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 8.1\". "]
[null,null,8.1,"a","2020-08-06","D12810","S Greig","Save_Application()","Remove the text save as it is no longer required."]
[null,null,8.1,"b","2020-09-03","D12810","S Greig","MLA!","Added MLA sheet for non-FHL Monthly Living Allowance calculation."]
[null,null,8.1,"c","2020-09-03","D12810","S Greig","FHL MLA!E2:F3","Moved text from E2:E3 to F2:F3 to line up text with below."]
[null,null,8.1,"c","2020-09-03","D12810","S Greig","FHL MLA!F13:F14","Moved text from F14 to F13."]
[null,null,8.1,"c","2020-09-15","D12810","S Greig","MLA!","Updated the functionality. This is setup for 4 households, even if the main interface does not have 4."]
[null,null,8.1,"c","2020-09-15","D12810","S Greig","Calculation!G262","Changed from \"=IF( Q103>BB140,(Q103*BC140)/12,0)\" to \"0\"."]
[null,null,8.1,"c","2020-09-15","D12810","S Greig","Calculation!AY139:BC140","Cleared table for Income and scaling rate >130k got 20%."]
[null,null,8.1,"e","2020-09-16","D12810","S Greig","Calculation!H263","Changed FHL MLA cell from \"=AW130\" to \"='FHL MLA'!C7\"."]
[null,null,8.1,"e","2020-09-16","D12810","S Greig","Calculation!G263","Changed non-FHL MLA cell from \"=AW129+J149\" to \"=MLA!D7\"."]
[null,null,8.1,"e","2020-09-16","D12810","S Greig","Calculation!G261","Changed from \"\" to \"Non-FHL\"."]
[null,null,8.1,"f","2020-09-16","D12810","S Greig","Calculation!AS106:BD141","Removed of MLA calculation by Deleting and shifting cells left."]
[null,null,8.1,"g","2020-09-16","D12810","S Greig","Calculation!J11","Changed Property Inv reference from 85% to 95%."]
[null,null,8.1,"g","2020-09-16","D12810","S Greig","Calculation!K482","Change Property Inv reference from 85% to 95%."]
[null,null,8.1,"g","2020-09-16","D12810","S Greig","Calculation!I482","Changed Property Inv  formula from \"C149<=85\" to \"C149<=95\"."]
[null,null,8.1,"h","2020-09-16","D12810","S Greig","Sheet7::CommandButton2_Click","Removed the Save button and associate click code."]
[null,null,8.1,"h","2020-09-16","D12810","S Greig","Module1::Save_Application","Remove the code for the Save button - again as the versions diverged."]
[null,null,8.1,"i","2020-09-16","D12810","S Greig","ThisWorkbook::Workbook_Open()","Remove the code for the Save button visibility."]
[null,null,8.1,"i","2020-09-16","D12810","S Greig","NSR Calculator!L9,C19,C27-L62,E27-N51","Remove the lookup to the Calculation sheet, behind the dropdown list, which populated the cell so it would appear in the text file."]
[null,null,8.1,"i","2020-09-16","D12810","S Greig","NSR Calculator!C77-L77,C82,B98-B127","Remove the lookup to the Calculation sheet, behind the dropdown list, which populated the cell so it would appear in the text file."]
[null,null,8.1,"m","2020-09-22","D12810","S Greig","Try keypress trap to replace active-X ","Add instructions to trap key Page Down and reset on close."]
[null,null,8.1,"n","2020-09-22","D12810","S Greig","NSR Calculator!D125:D127","Remove the lookup to the Calculation sheet, behind the dropdown list, which populated the cell so it would appear in the text file."]
[null,null,8.1,"o","2020-09-22","D12810b","S Greig","Sheet7::AutomaticSettings","Always set to include for Credit Cards for First Home Loans."]
[null,null,8.1,"q","2020-09-23","D12810","S Greig","FHL MLA!C7","Changed from \"=D10+C5\" to \"=IF(C4=0,0,D10+C5)\"."]
[null,null,8.1,"q","2020-09-23","D12810","S Greig","MLA!D7","Changed from \"=D10+D5\" to \"=IF(D4=0,0,D10+D5)\"."]
[null,null,8.1,"q","2020-09-23","D12810","S Greig","MLA!E7","Changed from \"=E10+E5\" to \"=IF(E4=0,0,E10+E5)\"."]
[null,null,8.1,"q","2020-09-23","D12810","S Greig","MLA!F7","Changed from \"=F10+F5\" to \"=IF(F4=0,0,F10+F5)\"."]
[null,null,8.1,"q","2020-09-23","D12810","S Greig","MLA!G7","Changed from \"=G10+G5\" to \"=IF(G4=0,0,G10+G5)\"."]
[null,null,8.1,"q","2020-09-23","D12810","S Greig","MLA!C6","Changed from \"\" to \"Total\"."]
[null,null,8.1,"q","2020-09-23","D12810","S Greig","MLA!C7","Changed from \"\" to \"=SUM(D7:G7)\"."]
[null,null,8.1,"q","2020-09-23","D12810","S Greig","Calculation!G263","Changed from \"=MLA!D7\" to \"=MLA!C7\"."]
[null,null,8.1,"r","2020-09-23","D12810","S Greig","NSR Calculator!E156","Changed from \"=IF(Calculation!G262>0,\"Exp as % Tot Gross Income\",\"\")\" to \"\"."]
[null,null,8.1,"r","2020-09-23","D12810","S Greig","NSR Calculator!G156","Changed from \"=IF(Calculation!G262>0,Calculation!G262*12,\"\")\" to \"\"."]
[null,null,8.1,"r","2020-09-23","D12810","S Greig","Calculation!C262","Changed from \"Expenses  as % of Total Gross Income\" to \"\"."]
[null,null,8.1,"r","2020-09-23","D12810","S Greig","Calculation!G262","Changed from \"0\" to \"\"."]
[null,null,8.1,"r","2020-09-23","D12810","S Greig","Calculation!I265","Changed from \"=MAX(G262:G264)\" to \"=MAX(G263:G264)\"."]
[null,null,8.1,"t","2020-09-29","D12810","S Greig","Calculation!J300","Changed WHL NSR and precedent cells to orange."]
[null,null,8.1,"u","2020-09-30","D12810","S Greig","MLA!C6:C7","Changed to \"\" because there is not overall total as each household is worked out independently."]
[null,null,8.1,"u","2020-09-30","D12810","S Greig","Calculation!G263","Changed from \"=MLA!C7\" to \"=MLA!D7\"."]
[null,null,8.1,"u","2020-09-30","D12810","S Greig","Calculation!T258:AD278","Added new NSR calculation area. This is parallel to the old calculation linked to the NSR Calculator page."]
[null,null,8.1,"w","2020-09-30","D12810","S Greig","NSR Calculator!C149","Changed from \"=IFERROR(ROUND(Calculation!J297*100,2),\"\")\" to \"=IFERROR(ROUND(Calculation!Z275,2),\"\")\"."]
[null,null,8.1,"w","2020-09-30","D12810","S Greig","NSR Calculator!G147","Changed from \"=IFERROR(ROUND(Calculation!J300*100,2),\"\")\" to \"=IFERROR(ROUND(Calculation!Y275,2),\"\")\"."]
[null,null,8.1,"z","2020-10-01","D12810","S Greig","NSR Calculator!C149","Changed from \"=IFERROR(ROUND(Calculation!Z275,2),\"\")\" to \"=IFERROR(ROUND(Calculation!Z277,2),\"\")\"."]
[null,null,8.1,"z","2020-10-01","D12810","S Greig","NSR Calculator!G147","Changed from \"=IFERROR(ROUND(Calculation!Y275,2),\"\")\" to \"=IFERROR(ROUND(Calculation!Y277,2),\"\")\"."]
[null,null,8.1,"z","2020-10-01","D12810","S Greig","Calculation!U270:Z278","Added Total Monthly Commitments and shifted values down for presentation."]
[null,null,8.1999999999999993,"a","2020-10-01","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 8.2\". "]
[null,null,8.1999999999999993,"b","2020-10-01","D12810","S Greig","Calculation!U267:Z277","Added a Less Rental Income as a separate line to highlight the difference between calculations."]
[null,null,8.1999999999999993,"d","2020-10-02","D12810","S Greig","NSR Calculator!J87:N90","Merged the cells and added guidance text with an indent for presentation."]
[null,null,8.1999999999999993,"g","2020-10-05","D12810","S Greig","MLA!D10:G10","Changed from \"=IF(D$4>$C27,D27...\" to \"=IF(D$4>=$C27,D27...\"."]
[null,null,8.1999999999999993,"h","2020-10-06","D12810","S Greig","Calculation!Z273","Changed from \"=Y273\" to \"=(I103+SUM(F427:L427))/12\"."]
[null,null,8.1999999999999993,"h","2020-10-06","D12810","S Greig","Calculation!Y273","Changed from \"=(I103+SUM(F427:L427))/12\" to \"=((I103+SUM(F427:L427))/12) +  X91\". Add back Kiwisaver."]
[null,null,8.1999999999999993,"h","2020-10-06","D12810","S Greig","Calculation!Y263","Changed from \"=J176\" to \"'-   \". Right align a missing value."]
[null,null,8.1999999999999993,"k","2020-10-07","D12810","S Greig","Calculator Parameters!C38","Changed from \"=IF(OR(Calculation!H14=TRUE,Calculation!H9=6),85%,95%)\" to \"=IF(OR(Calculation!H14=TRUE,Calculation!H9=6),95%,95%)\"."]
[null,null,8.1999999999999993,"k","2020-10-07","D12810","S Greig","Calculation!AK107","Changed from \"='Calculator Parameters'!C38\" to \"='Calculator Parameters'!C40\"."]
[null,null,8.1999999999999993,"k","2020-10-07","D12810","S Greig","Calculator Parameters!C38:D38","Inserted row and cell became \"Default NSR\" with value 95.00%."]
[null,null,8.1999999999999993,"k","2020-10-07","D12810","S Greig","Calculator Parameters!C39:D39","Inserted row and cell became \"Property Inv NSR\" with value 95.00%."]
[null,null,8.1999999999999993,"k","2020-10-07","D12810","S Greig","Calculator Parameters!D40","Changed from \"=IF(OR(Calculation!H14=TRUE,Calculation!H9=6),95%,95%)\" to \"=IF(OR(Calculation!H14=TRUE,Calculation!H9=6),C39,C38)\"."]
[null,null,8.1999999999999993,"k","2020-10-07","D12810","S Greig","Calculation!J11","Changed from \"Property Investor Lending: NSR should be 95% or less for approval\" to \"=CONCATENATE(\"Property Investor Lending: NSR should be \",ROUND(AK107*100,0),\"% or less for approval\")\"."]
[null,null,8.1999999999999993,"k","2020-10-07","D12810","S Greig","Calculation!J12","Changed from \"Retail Lending: NSR should be 95% or less for approval\" to \"=CONCATENATE(\"Retail Lending: NSR should be \",ROUND(AK107*100,0),\"% or less for approval\")\"."]
[null,null,8.1999999999999993,"k","2020-10-07","D12810","S Greig","Calculation!C481","Change to \"NSR Result in NSR Calculator\". This is to simply the colour equation."]
[null,null,8.1999999999999993,"l","2020-10-07","D12810","S Greig","Calculation!I481","Changed to \"='NSR Calculator'!C149\"."]
[null,null,8.1999999999999993,"l","2020-10-07","D12810","S Greig","Calculation!I482","Changed from \"=IF(LEFT('NSR Calculator'!E149,1)=\"R\",IF(AND('NSR Calculator'!C149<=95,'NSR Calculator'!C149>0),\"green\",\"red\"),IF(AND('NSR Calculator'!C149<=95,'NSR Calculator'!C149>0),\"pgreen\",\"pred\"))\" to \"=IF(OR(H9=6,H14=TRUE),IF(AND(I481>0, I481<=ROUND(AK107*100,0)),\"pgreen\",\"pred\"),IF(AND(I481>0, I481<=ROUND(AK107*100,0)),\"green\",\"red\"))\"."]
[null,null,8.1999999999999993,"l","2020-10-07","D12810","S Greig","Calculation!I484","Changed from \"=IF( $H$15,IF('NSR Calculator'!G147>0,IF('NSR Calculator'!G147<=95,\"green\",\"red\"),\"transparent\"),IF($D$1,\"transparent\",\"automatic\"))\" to \"=IF( $H$15,IF('NSR Calculator'!G147>0,IF('NSR Calculator'!G147<=ROUND(AK107*100,0),\"green\",\"red\"),\"transparent\"),IF($D$1,\"transparent\",\"automatic\"))\"."]
[null,null,8.1999999999999993,"l","2020-10-07","D12810","S Greig","Calculation!K482","Changed from \"Retail is Red over 95% and Investor is Red over 95% otherwise Green.\" to \"=CONCATENATE(\"Retail is Red over \",ROUND('Calculator Parameters'!C38*100,0),\"% and Investor is Red over \",ROUND('Calculator Parameters'!C39*100,0),\"% otherwise Green.\")\"."]
[null,null,8.1999999999999993,"m","2020-10-07","D12810","S Greig","Calculation!AH118:AN123","Cleared the fixed rate interest rates as they are not being used."]
[null,null,8.1999999999999993,"m","2020-10-07","D12810","S Greig","Calculator Parameters!B47:E51","Cleared the fixed rate interest rates as they are not being used."]
[null,null,8.1999999999999993,"m","2020-10-07","D12810","S Greig","Calculation!AK107","Changed from \"='Calculator Parameters'!C40\" to \"=IF(OR(H9=6,H14=TRUE),'Calculator Parameters'!C39,'Calculator Parameters'!C38)\"."]
[null,null,8.1999999999999993,"m","2020-10-07","D12810","S Greig","Calculator Parameters!B40:C:40","Cleared the one NSR as the other 2 are defined and are selected in the Calculation sheet."]
[null,null,8.1999999999999993,"n","2020-10-08","D12810","S Greig","Calculation!AH118","Added back the text \"Fixed\" as this is used in the dropdown box on the NSR Calculator L9."]
[null,null,8.1999999999999993,"n","2020-10-08","D12810","S Greig","Calculation!AJ117:AN117","Cleared the cells as they are not used."]
[null,null,8.1999999999999993,"n","2020-10-08","D12810","S Greig","Calculator Parameters!B44:E51","Cleared the whole \"Offered Rates\" table as this could cause confussion."]
[null,null,8.1999999999999993,"n","2020-10-08","D12810","S Greig","Calculator Parameters!C39","Changed from \"Property Inv NSR\" to \"Property Investor NSR\"."]
[null,null,8.1999999999999993,"n","2020-10-08","D12810","S Greig","Calculator Parameters!B41","Changed from \"Interest rate buffer\" to \"FHL Interest rate buffer\". Also Increased the width of the B column."]
[null,null,8.1999999999999993,"o","2020-10-08","D12810","S Greig","Calculation!AK109","Changed from \"='Calculator Parameters'!C42\" to \"='Calculator Parameters'!C42*100\"."]
[null,null,8.1999999999999993,"o","2020-10-08","D12810","S Greig","Calculator Parameters!C42","Changed from \"1.5\" to \"1.5%\" and changed the cell format to be a percentage."]
[null,null,8.1999999999999993,"o","2020-10-08","D12810","S Greig","Calculation!AK110","Changed from \"5.65\" to \"='Calculator Parameters'!C41*100\"."]
[null,null,8.1999999999999993,"o","2020-10-08","D12810","S Greig","Calculator Parameters!B41:C41","Inserted a row for \"FHL default floating rate\" with a value of \"4.25%\"."]
[null,null,8.1999999999999993,"o","2020-10-08","D12810","S Greig","Calculation!","Cleared the odd cell colouring."]
[null,null,8.1999999999999993,"o","2020-10-08","D12810","S Greig","Calculator Parameters!B44:C44","Inserted a row for \"Foundation interest rate\" with a value of \"3.00%\"."]
[null,null,8.1999999999999993,"o","2020-10-08","D12810","S Greig","Calculator Parameters!B45:C45","Inserted a row for \"Interest rate buffer\" with a value of \"2.50%\"."]
[null,null,8.1999999999999993,"r","2020-10-09","D12810","S Greig","Sheet7::Worksheet_Change","Added code to trap change of rate."]
[null,null,8.1999999999999993,"r","2020-10-09","D12810","S Greig","NSR Calculation!J137:M159","Added a scenario section."]
[null,null,8.1999999999999993,"s","2020-10-12","D12810","S Greig","Sheet7::Worksheet_Change","Process scenario."]
[null,null,8.1999999999999993,"t","2020-10-12","D12810","S Greig","Sheet7::ScenarioUpdate","Put Scenario update code in a separate method."]
[null,null,8.1999999999999993,"u","2020-10-12","D12810","S Greig","NSR Calculation!J151:M159","Cleared as the button is not required."]
[null,null,8.1999999999999993,"v","2020-10-13","D12810","S Greig","NSR Calculation!J137:N156","Changed the cell shading to highlight fields that can change."]
[null,null,8.1999999999999993,"v","2020-10-13","D12810","S Greig","Calculation!P252","Changed from \"=@IF($O$252=0,\"\",INDEX($AH$117:$AH$117,$O$252))\" to \"\"."]
[null,null,8.1999999999999993,"v","2020-10-13","D12810","S Greig","Calculation!O252","Changed from \"0\" to \"\"."]
[null,null,8.1999999999999993,"v","2020-10-13","D12810","S Greig","NSR Calculation!Scroll Bar 207","Changed the target cell to Calculation!J215."]
[null,null,8.1999999999999993,"v","2020-10-13","D12810","S Greig","NSR Calculation!M8","Changed from \"Current Floating Rate\" to \"Interest Rate\"."]
[null,null,8.1999999999999993,"w","2020-10-14","D12810","S Greig","Calculation!E252","Changed from \"='NSR Calculator'!M9\" to \"=IF(H15=TRUE,'Calculator Parameters'!C41,'Calculator Parameters'!C44)*100\"."]
[null,null,8.1999999999999993,"w","2020-10-14","D12810","S Greig","NSR Calculation!M9","Changed from \"\" to \"=Calculation!E252\"."]
[null,null,8.1999999999999993,"w","2020-10-14","D12810","S Greig","Sheet7::CheckBox1_Click","Do not store the value in the cell behind."]
[null,null,8.1999999999999993,"y","2020-10-15","D12810","S Greig","Module1::ResetForm_ClearContents","Do not clear the rate."]
[null,null,8.1999999999999993,"y","2020-10-15","D12810","S Greig","Calculation!E252","Changed from \"=IF(H15=TRUE,'Calculator Parameters'!C41,'Calculator Parameters'!C44)*100\" to \"='Calculator Parameters'!C44*100\". The rate is non-conditional."]
[null,null,8.1999999999999993,"y","2020-10-15","D12810","S Greig","Calculation!U268:Z277","Removed the deduct rental income line and shift lines up and left an extra blank line for presentation."]
[null,null,8.1999999999999993,"y","2020-10-15","D12810","S Greig","MLA!D:E","Widened columns so they could show the income correctly."]
[null,null,8.1999999999999993,"y","2020-10-15","D12810","S Greig","Calculation!Z259","Changed from \"Non-FHL\" to \"SBS\"."]
[null,null,8.1999999999999993,"y","2020-10-15","D12810","S Greig","Calculation!AA266:AA277","Added \"IO\" column for NSR Calculations."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","NSR Calculation!M9","Made the cell locked so cannot be updated by the user."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","testText","Deleted the sheet as it was out-of-date and no longer used."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","ThisWorkbook::Workbook_Open","Comment out the removed sheet and hide the MLA sheet."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculation!U182:V182","Changed from \"=\"0% Int Buffer\"\" to \"=$AK$111&\"% Int Buffer\"\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculation!X182","Changed from \"=\"With 0% Int Buffer\"\" to \"=\"With \"&$AK$111&\"% Int Buffer\"\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculation!AH109","Changed from \"Interest rate buffer\" to \"FHL Interest rate buffer\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculation!AH110","Changed from \"FHL Current variable interest rate\" to \"FHL Current variable interest rate\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculation!AH111","Changed from \"\" to \"SBS Interest rate buffer\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculation!AK111","Changed from \"\" to \"='Calculator Parameters'!C45*100\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculation!U184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT(H184/(K184*100),I184*K184,G184,),\"\")\" to \"=IF(AND(G184>0,H184>0,I184>0),-PMT((H184+$AK$111)/(K184*100),I184*K184,G184,),\"\")\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculation!V184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT(H184/(K184*100),$K$252/12*K184,G184,),\"\")\" to \"=IF(AND(G184>0,H184>0,I184>0),-PMT((H184+$AK$111)/(K184*100),$K$252/12*K184,G184,),\"\")\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculation!U187","Changed from \"=IF(AND(G187>0,H187>0,I187>0),-PMT(H187/(K187*100),I187*K187,G187,),\"\")\" to \"=IF(AND(G187>0,H187>0,I187>0),-PMT((H187+$AK$111)/(K187*100),I187*K187,G187,),\"\")\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculation!V187","Changed from \"=IF(AND(G187>0,H187>0,I187>0),-PMT(H187/(K187*100),$K$252/12*K187,G187,),\"\")\" to \"=IF(AND(G187>0,H187>0,I187>0),-PMT((H187+$AK$111)/(K187*100),$K$252/12*K187,G187,),\"\")\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculator Parameters!B44","Changed from \"Foundation interest rate\" to \"SBS Foundation interest rate\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculator Parameters!B45","Changed from \"Interest rate buffer\" to \"SBS Interest rate buffer\"."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculator Parameters!B","Increased the B column width."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculator Parameters!","Made the font bigger for the whole sheet to make it easier to read."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculator Parameters!","Removed some extra blank rows for presentation."]
[null,null,8.1999999999999993,"z","2020-10-15","D12810","S Greig","Calculator Parameters!","Changed the colour scheme to make it black and white for printing and make it clear / lighter for the figures that can be changed."]
[null,null,8.3000000000000007,"a","2020-10-16","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 8.3\". "]
[null,null,8.3000000000000007,"a","2020-10-16","D12810","S Greig","NSR Calculator!Scroll Bar 207","Is working and updates Calculation!J254. The cell has a formula getting the value from NSR Calculator!J11. Once the slider is used, it overwrites the formula with the slider value. It does not go back to the formula. The user needs to slide to the original value."]
[null,null,8.3000000000000007,"b","2020-10-16","D12810","S Greig","Calculation!K253","Changed from \"\" to \"The user entered term formula is replace with the slider value once it is used.\"."]
[null,null,8.3000000000000007,"b","2020-10-16","D12810","S Greig","Calculation!U197:V197","Changed from \"=\"0% Int Buffer\"\" to \"=$AK$111&\"% Int Buffer\"\"."]
[null,null,8.3000000000000007,"b","2020-10-16","D12810","S Greig","Calculation!X197","Changed from \"=\"With 0% Int Buffer\"\" to \"=\"With \"&$AK$111&\"% Int Buffer\"\"."]
[null,null,8.3000000000000007,"b","2020-10-16","D12810","S Greig","Calculation!U199","Changed from \"=IF(AND(G199>0,H199>0,I199>0),-PMT(H199/(K199*100),I199*K199,G199,),\"\")\" to \"=IF(AND(G199>0,H199>0,I199>0),-PMT((H199+$AK$111)/(K199*100),I199*K199,G199,),\"\")\"."]
[null,null,8.3000000000000007,"b","2020-10-16","D12810","S Greig","Calculation!V199","Changed from \"=IF(AND(G199>0,H199>0,I199>0),-PMT(H199/(K199*100),$K$252/12*K199,G199,),\"\")\" to \"=IF(AND(G199>0,H199>0,I199>0),-PMT((H199+$AK$111)/(K199*100),$K$252/12*K199,G199,),\"\")\"."]
[null,null,8.3000000000000007,"b","2020-10-16","D12810","S Greig","Calculation!U202","Changed from \"=IF(AND(G202>0,H202>0,I202>0),-PMT(H202/(K202*100),I202*K202,G202,),\"\")\" to \"=IF(AND(G202>0,H202>0,I202>0),-PMT((H202+$AK$111)/(K202*100),I202*K202,G202,),\"\")\"."]
[null,null,8.3000000000000007,"b","2020-10-16","D12810","S Greig","Calculation!V202","Changed from \"=IF(AND(G202>0,H202>0,I202>0),-PMT(H202/(K202*100),$K$252/12*K202,G202,),\"\")\" to \"=IF(AND(G202>0,H202>0,I202>0),-PMT((H202+$AK$111)/(K202*100),$K$252/12*K202,G202,),\"\")\"."]
[null,null,8.3000000000000007,"c","2020-10-16","D12810","S Greig","NSR Calculator!I98","Changed from \"=Calculation!O185\" to \"=Calculation!U185\"."]
[null,null,8.3000000000000007,"c","2020-10-16","D12810","S Greig","NSR Calculator!I100","Changed from \"=Calculation!O188\" to \"=Calculation!U188\"."]
[null,null,8.3000000000000007,"c","2020-10-16","D12810","S Greig","NSR Calculator!I102","Changed from \"=Calculation!O190\" to \"=Calculation!U190\"."]
[null,null,8.3000000000000007,"c","2020-10-16","D12810","S Greig","NSR Calculator!I107","Changed from \"=Calculation!O200\" to \"=Calculation!U200\"."]
[null,null,8.3000000000000007,"c","2020-10-16","D12810","S Greig","NSR Calculator!I109","Changed from \"=Calculation!O203\" to \"=Calculation!U203\"."]
[null,null,8.3000000000000007,"c","2020-10-16","D12810","S Greig","NSR Calculator!I111","Changed from \"=Calculation!O205\" to \"=Calculation!U205\"."]
[null,null,8.3000000000000007,"d","2020-10-16","D12810","S Greig","NSR Calculator!Scroll Bar 207","Changed from updating \"Calculation!J254\" to \"Calculation!J253\"."]
[null,null,8.3000000000000007,"d","2020-10-16","D12810","S Greig","Calculation!J254","Deleted note and symbol as they were misleading."]
[null,null,8.3000000000000007,"e","2020-10-19","D12810","S Greig","Calculation!J254","Changed from \"='NSR Calculator'!J11*12\" to \"=IF(J253<=1, 'NSR Calculator'!J11*12,J253)\"."]
[null,null,8.3000000000000007,"e","2020-10-19","D12810","S Greig","Module1::ResetForm_ClearContents","Do not reset the slider cell as the slider value will only be used if greater then 1 month."]
[null,null,8.3000000000000007,"f","2020-10-19","D12810","S Greig","Calculation!K253","Changed from \"The user entered term formula is replace with the slider value once it is used.\" to \"\"."]
[null,null,8.3000000000000007,"f","2020-10-19","D12810","S Greig","Calculation!G253","Changed from \"Slider value\" to \"Slider value (Minimum is 1 month)\"."]
[null,null,8.3000000000000007,"g","2020-10-19","D12810","S Greig","Module2::getADate","Created Module2 and moved getADate method to the new module. This was to simplify Module1."]
[null,null,8.3000000000000007,"h","2020-10-19","D12810","S Greig","Module3::AutoTest","Created Module3 to store AutoTest method to automatically populate test data if application is a \"?\"."]
[null,null,8.3000000000000007,"i","2020-10-20","D12810","S Greig","NSR Calculator!O197:P197","Changed from \"=AK124&\"% Int Buffer\"\" to \"=$AK$109&\"% Int Buffer\"\"."]
[null,null,8.3000000000000007,"i","2020-10-20","D12810","S Greig","NSR Calculator!R197","Changed from \"=\"With \"&AK124&\"% Int Buffer\"\" to \"=\"With \"&$AK$109&\"% Int Buffer\"\"."]
[null,null,8.3000000000000007,"i","2020-10-20","D12810","S Greig","NSR Calculator!C475","Changed from \"1% interest buffer and 100% NSR\" to \"=$AK$109&\"% interest buffer and 100% NSR\"."]
[null,null,8.3000000000000007,"j","2020-10-20","D12810","S Greig","Sheet7::Worksheet_Change","Call the AutoTest when the Name Primary Applicant is set to \"?\"."]
[null,null,8.3000000000000007,"j","2020-10-20","D12810","S Greig","Module3::AutoTest","Populate auto test fields."]
[null,null,8.3000000000000007,"k","2020-10-21","D12810","S Greig","Calculation!V304","Changed from \"\" to \"Scenario Table\"."]
[null,null,8.3000000000000007,"k","2020-10-21","D12810","S Greig","Calculation!V305","Changed from \"\" to \"First Home Loan\"."]
[null,null,8.3000000000000007,"k","2020-10-21","D12810","S Greig","Calculation!U305","Changed from \"\" to \"=IF($H$15,V305,V304)\"."]
[null,null,8.3000000000000007,"k","2020-10-21","D12810","S Greig","NSR Calculator!J137","Changed from \"\"Scenario Table\" to \"=Calculation!U305\". Change the title without compromising security."]
[null,null,8.3000000000000007,"k","2020-10-21","D12810","S Greig","Calculation!AA304","Changed from \"\" to \"IO\"."]
[null,null,8.3000000000000007,"k","2020-10-21","D12810","S Greig","Calculation!J304","Changed from \"\" to \"=IF($H$15,AA305,AA304)\"."]
[null,null,8.3000000000000007,"k","2020-10-21","D12810","S Greig","NSR Calculator!M139","Changed from \"IO\" to \"=Calculation!Z305\"."]
[null,null,8.3000000000000007,"k","2020-10-21","D12810","S Greig","Sheet7::ScenarioUpdate","Change code to display FHL."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!C485","Changed from \"\" to \"Scenario NSR Colour\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!I485","Changed from \"\"  to \"=IF($H$12,I484,I482)\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","NSR Calculator!L144","Added conditional formatting."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!C486","Changed from \"\" to \"Scenario IO NSR Colour\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!I486","Changed from \"\" to \"=IF($H$15,\"\",I482)\". "]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","NSR Calculator!M144","Added conditional formatting."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!I486","Changed from \"=IF( $H$15,IF('NSR Calculator'!G147>0,IF('NSR Calculator'!G147<=ROUND(AK107*100,0),\"green\",\"red\"),\"transparent\"),IF($D$1,\"transparent\",\"automatic\"))\" to \"=IF( $H$15,IF(Y277>0,IF(Y277<=ROUND(AK107*100,0),\"green\",\"red\"),\"transparent\"),IF($D$1,\"transparent\",\"automatic\"))\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!I481","Changed from \"='NSR Calculator'!C149\" to \"=$Z$277\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!C487","Changed from \"\" to \"Scenario IO NSR Result\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!I487","Changed from \"\" to \"=$AA$277\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!I486","Changed from \"=IF($H$15,\"\",I482)\" to \"=IF($H$15,\"\",IF(AND(I487>0,I487<=ROUND(AK107*100,0)),\"green\",\"red\"))\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!K249","Changed frrom \"\" to \"='Calculator Parameters'!B44\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!J249","Changed from \"\" to \"='Calculator Parameters'!C44*100\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!K250","Changed from \"\" to \"Scenario rate\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!J250","Changed from \"\" to \"0\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Calculation!E252","Changed from \"='Calculator Parameters'!C44*100\" to \"=IF(J250>0,J250,J249)\"."]
[null,null,8.3000000000000007,"l","2020-10-21","D12810","S Greig","Sheet7::ScenarioUpdate","Update the scenario code to update the scenario override rate."]
[null,null,8.3000000000000007,"m","2020-10-21","D12810","S Greig","Calculation!I486","Changed from \"=IF($H$15,\"\",IF(AND(I487>0,I487<=ROUND(AK107*100,0)),\"green\",\"red\"))\" to \"=IF($H$15,\"\",IF(AND('NSR Calculator'!M144>0,'NSR Calculator'!M144<=ROUND(AK107*100,0)),\"green\",\"red\"))\"."]
[null,null,8.3000000000000007,"m","2020-10-21","D12810","S Greig","Calculation!I485","Changed from \"=IF($H$15,I484,I482)\" to \"=IF(AND('NSR Calculator'!L144>0,'NSR Calculator'!L144<=ROUND(AK107*100,0)),\"green\",\"red\")\"."]
[null,null,8.3000000000000007,"n","2020-10-22","D12810","S Greig","Sheet7::ScenarioClear","Add Scenario clear method to reduce duplication."]
[null,null,8.3000000000000007,"n","2020-10-22","D12810","S Greig","Sheet7::ScenarioUpdate","Modified to use the ScenarioClear method."]
[null,null,8.3000000000000007,"n","2020-10-22","D12810","S Greig","Calculation!Y277","Changed from \"=IF(Y275=0,0,(Y270*100)/Y275)\" to \"=IF(Y275=0,0,Y270/Y275)\" and changed the format to percentage."]
[null,null,8.3000000000000007,"n","2020-10-22","D12810","S Greig","Calculation!I484","Changed from \"=IF( $H$15,IF(Y277>0,IF(Y277<=ROUND(AK107*100,0),\"green\",\"red\"),\"transparent\"),IF($D$1,\"transparent\",\"automatic\"))\" to \"=IF( $H$15,IF(Y277>0,IF(Y277<=AK107,\"green\",\"red\"),\"transparent\"),IF($D$1,\"transparent\",\"automatic\"))\"."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","NSR Calculator!C149","Changed from number to percentage format."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","NSR Calculator!D149","Deleted \"%\" and the conditional formatting."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","NSR Calculator!L141,L144,M144","Changed to percentage format."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","NSR Calculator!G149","Changed from number to percentage format."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","NSR Calculator!H147","Deleted \"%\" and the conditional formatting."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","NSR Calculator!E147","Deleted \"FHL NSR\" and the conditional formatting."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","NSR Calculator!E147:F147","Unmerged cells."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","Calculation!Z277","Changed from \"=IF(Z275=0,0,(Z270*100)/Z275)\" to \"=IF(Z275=0,0,Z270/Z275)\" and changed to percentage format."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","Calculation!AA277","Changed from \"=IF(AA275=0,0,(AA270*100)/AA275)\" to \"\" and changed to percentage format."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","Calculation!I482","Changed from \"=IF(OR(H9=6,H14=TRUE),IF(AND(I481>0, I481<=ROUND(AK107*100,0)),\"pgreen\",\"pred\"),IF(AND(I481>0, I481<=ROUND(AK107*100,0)),\"green\",\"red\"))\" to \"=IF(OR(H9=6,H14=TRUE),IF(AND(I481>0, I481<=AK107),\"pgreen\",\"pred\"),IF(AND(I481>0, I481<=AK107),\"green\",\"red\"))\"."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","Calculation!I485","Changed from \"=IF(AND('NSR Calculator'!L144>0,'NSR Calculator'!L144<=ROUND(AK107*100,0)),\"green\",\"red\")\" to \"=IF(AND('NSR Calculator'!L144>0,'NSR Calculator'!L144<=AK107),\"green\",\"red\")\"."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","Calculation!I486","Changed from \"=IF($H$15,\"\",IF(AND('NSR Calculator'!M144>0,'NSR Calculator'!M144<=ROUND(AK107*100,0)),\"green\",\"red\"))\" to \"=IF($H$15,\"\",IF(AND('NSR Calculator'!M144>0,'NSR Calculator'!M144<=AK107),\"green\",\"red\"))\"."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","NSR Calculator!E149","Changed from \"=IFERROR(ROUND(Calculation!Z277,2),\"\")\" to \"=IFERROR(Calculation!Z277,\"\")\"."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","NSR Calculator!G147","Changed from \"=IFERROR(ROUND(Calculation!Y277,2),\"\")\" to \"=IFERROR(Calculation!Y277,\"\")\"."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","Calculation!AK110","Changed from \"='Calculator Parameters'!C41*100\" to \"='Calculator Parameters'!C41\" and changed to percentage format."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","NSR Calculator!G149","Changed from \"=IFERROR(Calculation!Y277,\"\")\" to \"\"."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","Calculation!J252","Changed from \"='Calculator Parameters'!C44*100\" to \"='Calculator Parameters'!C44\"."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","Calculation!J251","Changed to percentage format."]
[null,null,8.3000000000000007,"o","2020-10-22","D12810","S Greig","Calculation!E252","Changed from \"=IF(J250>0,J250,J249)\" to \"=IF(J250>0,J250,J249)*100\"."]
[null,null,8.3000000000000007,"q","2020-10-27","D12810","S Greig","NSR Calculator!C156","Changed from \"=IF(Calculation!$H$265=0,C90,D90)\" to \"=C90\". Always show the SBS Living Expenses."]
[null,null,8.3000000000000007,"q","2020-10-27","D12810","S Greig","Sheet7::ScenarioUpdate","Update the FHL values as a scenario."]
[null,null,8.3000000000000007,"q","2020-10-27","D12810","S Greig","Sheet7::CheckBox4_Click","Clear the scenario rate if unclicking FHL."]
[null,null,8.3000000000000007,"q","2020-10-27","D12810","S Greig","NSR Calculator!L145:M154","Changed the number formatting to be the same as non-scenario formats."]
[null,null,8.3000000000000007,"q","2020-10-27","D12810","S Greig","Calculation!V304:V305","Added 2 spaces at the beginning of the strings."]
[null,null,8.3000000000000007,"q","2020-10-27","D12810","S Greig","NSR Calculator!J144:J154","Added 2 spaces at the beginning of the strings."]
[null,null,8.3000000000000007,"q","2020-10-27","D12810","S Greig","Sheet7::ScenarioClear","Set the colour for the Scenario IO column."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!K267","Changed from \"=\"SBS Bank Loan - Fixed Repayments - Monthly - 0% Interest Buffer\"\" to \"=\"SBS Bank Loan - Fixed Repayments - Monthly - \"&$AK$111&\"% Interest Buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!K269","Changed from \"=\"Calculated P&I with 0% Interest Buffer\"\" to \"=\"Calculated P&I with \"&$AK$111&\"% Interest Buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!K270","Changed from \"=\"Calculated P&I at Max Term with 0% Interest Buffer\"\" to \"=\"Calculated P&I at Max Term with \"&$AK$111&\"% Interest Buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!K275","Changed from \"=\"Calculated P&I with 0% Interest Buffer\"\" to \"=\"Calculated P&I with \"&$AK$111&\"% Interest Buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!K276","Changed from \"=\"Calculated P&I at Max Term with 0% Interest Buffer\"\" to \"=\"Calculated P&I at Max Term with \"&$AK$111&\"% Interest Buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!C275","Changed from \"=\"Calculated P&I with \"&AK115&\"% Interest Buffer\"\" to \"=\"Calculated P&I with \"&AK109&\"% Interest Buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!C276","Changed from \"=\"Calculated P&I at Max Term with \"&AK115&\"% Interest Buffer\"\" to \"=\"Calculated P&I at Max Term with \"&AK109&\"% Interest Buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!K289","Changed from \"=\"Current Monthly Commitments with 0% Interest Buffer\"\" to \"=\"Current Monthly Commitments with \"&$AK$111&\"% Interest Buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!K273","Changed from \"=\"Other Bank P & I payments - Monthly - 0% Interest Buffer\"\" to \"=\"Other Bank P & I payments - Monthly - \"&$AK$111&\"% Interest Buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!K291","Changed from \"=\"Including 0% Interest buffer\"\" to \"=\"Including \"&$AK$111&\"% Interest buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!K447","Changed from \"=\"Debt Servcing Capacity with 0% Interest Buffer\"\" to \"=\"Debt Servcing Capacity with \"&$AK$109&\"% Interest Buffer\"\"."]
[null,null,8.3000000000000007,"r","2020-10-27","D12810","S Greig","Calculation!","Replaced all \"AK109\" with \"$AK$109\". The \"AK109\" were already \"$AK$109\"."]
[null,null,8.3000000000000007,"s","2020-10-28","D12810","S Greig","NSR Calculator!J149:J151","Swapped labels so Income comes before Living Expenses."]
[null,null,8.3000000000000007,"s","2020-10-28","D12810","S Greig","Sheet7::ScenarioClear","Swapped Income and Living Expenses."]
[null,null,8.3000000000000007,"s","2020-10-28","D12810","S Greig","Sheet7::ScenarioUpdate","Swapped Income and Living Expenses."]
[null,null,8.3000000000000007,"s","2020-10-28","D12810","S Greig","NSR Calculator!L153:M153","Added the bottom border line."]
[null,null,8.3000000000000007,"s","2020-10-28","D12810","S Greig","Sheet7::ScenarioClear","Update the total line in the IO column."]
[null,null,8.3000000000000007,"t","2020-10-28","D12810","S Greig","Sheet7::Worksheet_Change","Always update scenario for FHL."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!AH113","Changed from \"\" to \"='Calculator Parameters'!B44\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!AH111","Changed from \"SBS Interest rate buffer\" to \"='Calculator Parameters'!B45\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!AH110","Changed from \"FHL Current variable interest rate\" to \"='Calculator Parameters'!B41\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!AH109","Changed from \"FHL Interest rate buffer\" to \"='Calculator Parameters'!B42\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!AK113","Changed from \"\" to \"='Calculator Parameters'!C44\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!E252","Changed from \"=IF(J250>0,J250,J249)*100\" to \"=IF(J250>0,J250,$AK$113)*100\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!J249","Changed from \"='Calculator Parameters'!C44\" to \"\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!K249","Changed from \"='Calculator Parameters'!B44\" to \"\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!U184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT((H184+$AK$111)/(K184*100),I184*K184,G184,),\"\")\" to \"=IF(AND(G184>0,H184>0,I184>0),-PMT(($AK$113+$AK$111)/(K184*100),I184*K184,G184,),\"\")\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!V184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT((H184+$AK$111)/(K184*100),$K$252/12*K184,G184,),\"\")\" to \"=IF(AND(G184>0,H184>0,I184>0),-PMT(($AK$113+$AK$111)/(K184*100),$K$252/12*K184,G184,),\"\")\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!U187","Changed from \"=IF(AND(G187>0,H187>0,I187>0),-PMT((H187+$AK$111)/(K187*100),I187*K187,G187,),\"\")\" to \"=IF(AND(G187>0,H187>0,I187>0),-PMT(($AK$113+$AK$111)/(K187*100),I187*K187,G187,),\"\")\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!V187","Changed from \"=IF(AND(G187>0,H187>0,I187>0),-PMT((H187+$AK$111)/(K187*100),$K$252/12*K187,G187,),\"\")\" to \"=IF(AND(G187>0,H187>0,I187>0),-PMT(($AK$113+$AK$111)/(K187*100),$K$252/12*K187,G187,),\"\")\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!U199","Changed from \"=IF(AND(G199>0,H199>0,I199>0),-PMT((H199+$AK$111)/(K199*100),I199*K199,G199,),\"\")\" to \"=IF(AND(G199>0,H199>0,I199>0),-PMT(($AK$113+$AK$111)/(K199*100),I199*K199,G199,),\"\")\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!V199","Changed from \"=IF(AND(G199>0,H199>0,I199>0),-PMT((H199+$AK$111)/(K199*100),$K$252/12*K199,G199,),\"\")\" to \"=IF(AND(G199>0,H199>0,I199>0),-PMT(($AK$113+$AK$111)/(K199*100),$K$252/12*K199,G199,),\"\")\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!U202","Changed from \"=IF(AND(G202>0,H202>0,I202>0),-PMT((H202+$AK$111)/(K202*100),I202*K202,G202,),\"\")\" to \"=IF(AND(G202>0,H202>0,I202>0),-PMT(($AK$113+$AK$111)/(K202*100),I202*K202,G202,),\"\")\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!V202","Changed from \"=IF(AND(G202>0,H202>0,I202>0),-PMT((H202+$AK$111)/(K202*100),$K$252/12*K202,G202,),\"\")\" to \"=IF(AND(G202>0,H202>0,I202>0),-PMT(($AK$113+$AK$111)/(K202*100),$K$252/12*K202,G202,),\"\")\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","NSR Calculator!Z129","Changed from \"=SUM(Calculation!I271,Calculation!I277,Calculation!I283,Calculation!I285)*12\" to \"=Calculation!Z267*12\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!E254","Changed from \"=-PMT((MAX(E252)+$AK$109)/1200,K252,E250,)\" to \"=-PMT((E252+$AK$109)/1200,K252,E250,)\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!F254","Changed from \"\" to \"=-PMT((E252+$AK$113)/1200,K252,E250,)\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!F256","Changed from \"\" to \"=IFERROR(-PMT((E252+$AK$113)/1200,K254,E250,),0)\"."]
[null,null,8.3000000000000007,"u","2020-10-28","D12810","S Greig","Calculation!Z268","Changed from \"=E256\" to \"=F256\"."]
[null,null,8.3000000000000007,"v","2020-10-28","D12810","S Greig","Calculation!C257","Changed from \"\" to \"IO\"."]
[null,null,8.3000000000000007,"v","2020-10-28","D12810","S Greig","Calculation!F257","Changed from \"\" to \"=(E250*(E252+$AK$113))/1200\"."]
[null,null,8.3000000000000007,"v","2020-10-28","D12810","S Greig","Calculation!AA267","Changed from \"\" to \"=R271+R277+I283+I285\"."]
[null,null,8.3000000000000007,"v","2020-10-28","D12810","S Greig","Calculation!AA268","Changed from \"\" to \"=F257\"."]
[null,null,8.3000000000000007,"v","2020-10-28","D12810","S Greig","Sheet7::ScenarioUpdate","Update the scenario IO column."]
[null,null,8.3000000000000007,"v","2020-10-28","D12810","S Greig","Calculation!AA277","Changed from \"=IF(AA275=0,0,(AA270*100)/AA275)\" to \"=IF(AA275=0,0,AA270/AA275)\"."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!Z180:AD205","Copied T180:X205 to Z180:AD205."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!AA180:AB180","Changed from P&I to IO."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!AA194:AB194","Changed from P&I to IO."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!AA184","Changed from \"=IF(AND(M184>0,N184>0,O184>0),-PMT(($AK$113+$AK$111)/(Q184*100),O184*Q184,M184,),\"\")\" to \"=IF(AND(G184>0,H184>0,I184>0),(G184*($AK$113+$AK$111))/12,\"\")\"."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!AL109","Changed from \"\" to \"=AK109*100\"."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!AK109","Changed from \"='Calculator Parameters'!C42*100\" to \"='Calculator Parameters'!C42\" and the format to percentage."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!O182","Changed from \"=$AK$109&\"% Int Buffer\"\" to \"=$AL$109&\"% Int Buffer\"\"."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!","Changed all \"$AK$109\" to \"$AL$109\" where the reference is to be a non-percentage. This was normally as a label."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!O104","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT((H184+$AK$109)/(K184*100),I184*K184,G184,),\"\")\" to \"=IF(AND(G184>0,H184>0,I184>0),-PMT((H184+$AK$109)/K184,I184*K184,G184,),\"\")\"."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!","Changed all formulas using \"$AK$109\" to not divide by 100, as in the previous example."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!AL111","Changed from \"\" to \"=AK111*100\"."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!AK111","Changed from \"='Calculator Parameters'!C45*100\" to \"='Calculator Parameters'!C45\" and the format to percentage."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!U182","Changed from \"=$AK$111&\"% Int Buffer\"\" to \"=$AL$111&\"% Int Buffer\"\"."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!","Changed all \"$AK$111\" to \"$AL$111\" where the reference is to be a non-percentage. This was normally as a label."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!U184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT(($AK$113+$AK$111)/(K184*100),I184*K184,G184,),\"\")\" to \"=IF(AND(G184>0,H184>0,I184>0),-PMT(($AK$113+$AK$111)/K184,I184*K184,G184,),\"\")\"."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!","Changed all formulas using \"$AK$111\" to not divide by 100, as in the previous example."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Module3::AutoTest","Updated the testing module to show the version and resulting NSR."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","NSR Calculator!M4","This cell shows the test version and the parameter used. Colour is Blue."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","NSR Calculator!D149","This cell shows the test data expected NSR. Color is Blue."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!E252","Changed from \"=IF(J250>0,J250,$AK$113)*100\" to \"=IF(J250>0,J250,$AK$113)\" and the format to percentage."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!F254","Changed from \"=-PMT((E252+$AK$113)/1200,K252,E250,)\" to \"=-PMT((E252+$AK$113)/12,K252,E250,)\"."]
[null,null,8.3000000000000007,"w","2020-10-29","D12810","S Greig","Calculation!","Changed all formulas using \"E252\" to not divide by 100, as in the previous example."]
[null,null,8.3000000000000007,"x","2020-10-29","D12810","S Greig","Module3::AutoTest","Updated the resulting NSR after checking reason why. Previous was using the 1.5% buffer. Now using the 2.5% buffer for SBS column."]
[null,null,8.3000000000000007,"y","2020-11-02","D12810","S Greig","NSR Calculator!M9","Changed the format to Percentage."]
[null,null,8.3000000000000007,"y","2020-11-02","D12810","S Greig","NSR Calculator!D135","Changed the format to Percentage."]
[null,null,8.4,"a","2020-11-03","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 8.4\". "]
[null,null,8.4,"a","2020-11-03","D12810","S Greig","NSR Calculator!N9","Changed from \"%' to \"\"."]
[null,null,8.4,"a","2020-11-03","D12810","S Greig","Calculation!F252","Changed from \"\" to \"=E252+$AK$111\"."]
[null,null,8.4,"a","2020-11-03","D12810","S Greig","Calculation!F251","Changed from \"\" to \"'+ Buffer\"."]
[null,null,8.4,"b","2020-11-03","D12810","S Greig","Calculation!F254","Changed from \"=-PMT((E252+$AK$109)/12,K252,E250,)\" to \"=-PMT(F252/12,K252,E250,)\"."]
[null,null,8.4,"b","2020-11-03","D12810","S Greig","Calculation!","Changed all formulas using \"E252+$AK$109\" to use F252 which is the combined amout, as in the previous example."]
[null,null,8.4,"b","2020-11-03","D12810","S Greig","Calculation!C475","Changed from \"=$AL$109&\"% interest buffer and 100% NSR\"\" to \"=$AL$111&\"% interest buffer and 100% NSR\"\"."]
[null,null,8.4,"b","2020-11-03","D12810","S Greig","NSR Calculator!E135","Changed from \"%\" to \"\"."]
[null,null,8.4,"c","2020-11-03","D12810","S Greig","Calculation!E253","Changed from \"\" to \"Monthly\"."]
[null,null,8.4,"c","2020-11-03","D12810","S Greig","Calculation!F253","Changed from \"\" to \"=F252/12\"."]
[null,null,8.4,"c","2020-11-03","D12810","S Greig","Calculation!E254","Changed from \"=-PMT(F252/12,K252,E250,)\" to \"=-PMT(F253,K252,E250,)\"."]
[null,null,8.4,"c","2020-11-03","D12810","S Greig","Calculation!","Changed all formulas using \"F252/12\" to use F253 which is the monthly rate, as in the previous example."]
[null,null,8.4,"c","2020-11-03","D12810","S Greig","NSR Calculator!D98:D118","Converted cell format to percentage."]
[null,null,8.4,"c","2020-11-03","D12810","S Greig","Calculation!H184:H217","Converted cell format to percentage."]
[null,null,8.4,"c","2020-11-03","D12810","S Greig","Calculation!O214","Changed from \"=IF(AND(G214>0,H214>0,I214>0),-PMT(H214/(K214*100),I214*K214,G214,),\"\")\" to \"=IF(AND(G214>0,H214>0,I214>0),-PMT(H214/K214,I214*K214,G214,),\"\")\"."]
[null,null,8.4,"c","2020-11-03","D12810","S Greig","Calculation!P214","Changed from \"=IF(AND(G214>0,H214>0,I214>0),-PMT(H214/(K214*100),$K$252/12*K214,G214,),\"\")\" to \"=IF(AND(G214>0,H214>0,I214>0),-PMT(H214/K214,$K$252/12*K214,G214,),\"\")\"."]
[null,null,8.4,"c","2020-11-03","D12810","S Greig","Calculation!O217","Changed from \"=IF(AND(G217>0,H217>0,I217>0),-PMT(H217/(K217*100),I217*K217,G217,),\"\")\" to \"=IF(AND(G217>0,H217>0,I217>0),-PMT(H217/K217,I217*K217,G217,),\"\")\"."]
[null,null,8.4,"c","2020-11-03","D12810","S Greig","Calculation!P217","Changed from \"=IF(AND(G217>0,H217>0,I217>0),-PMT(H217/(K217*100),$K$252/12*K217,G217,),\"\")\" to \"=IF(AND(G217>0,H217>0,I217>0),-PMT(H217/K217,$K$252/12*K217,G217,),\"\")\"."]
[null,null,8.4,"e","2020-11-04","D12810","S Greig","Calculation!K447","Changed from \"=\"Debt Servcing Capacity with \"&$AL$109&\"% Interest Buffer\"\" to \"\"."]
[null,null,8.4,"e","2020-11-04","D12810","S Greig","Calculation!Q448","Changed from \"=M445-R271-I283-I285\" to \"=M445-R271-R277-I283-I285\"."]
[null,null,8.4,"e","2020-11-04","D12810","S Greig","Calculation!I448","Changed from \"=I445-I271-I277-I283-I285\" to \"=I445-Y267\". Use the new table values."]
[null,null,8.4,"e","2020-11-04","D12810","S Greig","Calculation!Q448","Changed from \"=M445-R271-R277-I283-I285\" to \"=M445-Z267\"."]
[null,null,8.4,"e","2020-11-04","D12810","S Greig","Calculation!J448","Changed from \"=J445-$I271-$I277-$I283-$I285\" to \"=J445-Y267\"."]
[null,null,8.4,"e","2020-11-04","D12810","S Greig","Calculation!I450","Changed from \"=I441+$J137-$I265-$I271-$I277-$I283-$I285\" to \"=I441+$J137-$I265-Y267\"."]
[null,null,8.4,"e","2020-11-04","D12810","S Greig","Calculation!J450","Changed from \"=J441+$J137-$I265-$I271-$I277-$I283-$I285\" to \"=J441+$J137-$I265-Y267\"."]
[null,null,8.4,"e","2020-11-04","D12810","S Greig","Calculation!Q450","Changed from \"=I441+J137-I265-R271-I283-I285\" to \"=I441+J137-I265-Z267\"."]
[null,null,8.4,"e","2020-11-04","D12810","S Greig","Sheet7::Worksheet_Change","Allowed Test mode to be triggered by name starting with \"?\" rather than being solely \"?\"."]
[null,null,8.4,"e","2020-11-04","D12810","S Greig","Module3::AutoTest","Setup scenario 1."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!D252","Changed from \"\" to \"=IF(J250>0,J250,$AK$113)\"."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","NSR Calculator!M9","Changed from \"=Calculation!E252\" to \"=Calculation!D252\"."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!I447","Changed from \"=-PV(E252/12,$K$252,Q448,0)\" to \"=-PV(D252/12,$K$252,Q448,0)\"."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!I479","Changed from \"=-PV(E252/12,$K$252,Q450,0)\" to \"=-PV(D252/12,$K$252,Q450,0)\"."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!O447","Changed from \"=PMT(E252/12,$K$252,I477)\" to \"=PMT(D252/12,$K$252,I477)\"."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!O449","Changed from \"=PMT(E252/12,$K$252,I479)\" to \"=PMT(D252/12,$K$252,I479)\"."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!E251","Changed from \"\" to \"'+ Buffer\"."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!F251","Changed from \"'+ Buffer\" to \"'Monthly\"."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!E252","Changed from \"=IF(J250>0,J250,$AK$113)\" to \"=D252+$AK$111\"."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!F252","Changed from \"=E252+$AK$111\" to \"=E252/12\"."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!","Changed references to F253 to F252."]
[null,null,8.4,"f","2020-11-04","D12810","S Greig","Calculation!E253:F253","Cleared cells."]
[null,null,8.4,"g","2020-11-04","D12810","S Greig","Calculation!C253","Changed from \"\" to \"FHL Rate\"."]
[null,null,8.4,"g","2020-11-04","D12810","S Greig","Calculation!D253","Changed from \"\" to =$AK$110\"."]
[null,null,8.4,"g","2020-11-04","D12810","S Greig","Calculation!E253","Changed from \"\" to \"=D253+$AK$109\"."]
[null,null,8.4,"g","2020-11-04","D12810","S Greig","Calculation!F253","Changed from \"\" to \"=E253/12\"."]
[null,null,8.4,"i","2020-11-05","D12810","S Greig","Calculation!R459","Changed from \"\" to \"\"."]
[null,null,8.4,"i","2020-11-05","D12810","S Greig","Calculation!J443","Changed from \"=I443\" to \"=$AK$107\"."]
[null,null,8.4,"i","2020-11-05","D12810","S Greig","Calculation!M445","Changed from \"=I443*I441+J137-I265\" to \"=$AK$107*I441+J137-I265\"."]
[null,null,8.4,"i","2020-11-05","D12810","S Greig","Calculation!I467","Changed from \"=IF(J459>0,\"The maximum loan at an NSR of \"&ROUND(I443*100,0)&\"% repaid over the proposed term of \"&M254&\" is \"&DOLLAR(J459,0),)\" to \"=IF(J459>0,\"The maximum loan at an NSR of \"&ROUND($AK$107*100,0)&\"% repaid over the proposed term of \"&M254&\" is \"&DOLLAR(J459,0),)\"."]
[null,null,8.4,"i","2020-11-05","D12810","S Greig","Calculation!I466","Changed from \"=IF(J455>0,\"The maximum loan at an NSR of \"&ROUND(I443*100,0)&\"% repaid over a term of \"&M252&\" is \"&DOLLAR(J455,0),)\" to \"=IF(J455>0,\"The maximum loan at an NSR of \"&ROUND($AK$107*100,0)&\"% repaid over a term of \"&M252&\" is \"&DOLLAR(J455,0),)\"."]
[null,null,8.4,"i","2020-11-05","D12810","S Greig","Calculation!I445","Changed from \"=I443*(I441-I289+SUM(F427,H427,J427,L427)/12)+J137\" to \"=$AK$107*(I441-I289+SUM(F427,H427,J427,L427)/12)+J137\"."]
[null,null,8.4,"i","2020-11-05","D12810","S Greig","Calculation!I443","Changed from \"=$AK$107\" to \"\"."]
[null,null,8.4,"j","2020-11-05","D12810","S Greig","Calculation!I445","Changed from \"=$AK$107*(I441-I289+SUM(F427,H427,J427,L427)/12)+J137\" to \"\"."]
[null,null,8.4,"j","2020-11-05","D12810","S Greig","Calculation!N426","Changed from \"\" to \"Monthly Business Income\"."]
[null,null,8.4,"j","2020-11-05","D12810","S Greig","Calculation!N427","Changed from \"\" to \"=SUM(F427,H427,J427,L427)/12\"."]
[null,null,8.4,"j","2020-11-05","D12810","S Greig","Calculation!I445","Changed from \"=J443*(I441-I289+SUM(F427,H427,J427,L427)/12)+J137\" to \"=J443*(I441-I289+N427)+J137\"."]
[null,null,8.4,"j","2020-11-05","D12810","S Greig","Calculation!J445","Changed from \"=J443*(J441-J265+SUM(F427,H427,J427,L427)/12)\" to \"=J443*(J441-J265+N427)\"."]
[null,null,8.4,"j","2020-11-05","D12810","S Greig","Calculation!X442:Z457","Added calculation area to simplify and add visibility to the formulas."]
[null,null,8.4,"k","2020-11-05","D12810","S Greig","NSR Calculator!C145","Changed from \"=MAX(TRUNC(Calculation!J459,0),0)\" to \"=MAX(TRUNC(Calculation!Z457,0),0)\"."]
[null,null,8.4,"k","2020-11-05","D12810","S Greig","NSR Calculator!C145","Changed from \"=MAX(TRUNC(Calculation!Z457,0),0)\" to \"=MAX(TRUNC(Calculation!Z458,0),0)\"."]
[null,null,8.4,"k","2020-11-05","D12810","S Greig","NSR Calculator!C147","Changed from \"=MAX(TRUNC(Calculation!J455,0),0)\" to \"=MAX(TRUNC(Calculation!J456,0),0)\"."]
[null,null,8.4,"k","2020-11-05","D12810","S Greig","Sheet7::ScenarioUpdate","Updated FHL values."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!Y273","Changed from \"=((I103+SUM(F427:L427))/12) +  X91\" to \"=(I103/12)+N427+X91\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!Z273","Changed from \"=(I103+SUM(F427:L427))/12\" to \"=(I103/12)+N427\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!AA273","Changed from \"=(I103+SUM(F427:L427))/12\" to \"=(I103/12)+N427\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!T279:AD279","Changed cell background to darker blue."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!U279","Changed from \"\" to \"Old calc\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!Y279","Changed from \"\" to \"=J300\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!Z279","Changed from \"\" to \"=J297\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!Y278:AA278","Changed cell background to lighter blue."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!Y278","Changed from \"=J300\" to \"=IF(Y275=0,0,Y270/Y275)\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!Z278","Changed from \"=J297\" to \"=IF(Z275=0,0,Z270/Z275)\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!A278","Changed from \"\" to \"=IF(AA275=0,0,AA270/AA275)\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!U278","Changed from \"Old calc\" to \"NSR\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!I484","Changed from \"=IF( $H$15,IF(Y277>0,IF(Y277<=AK107,\"green\",\"red\"),\"transparent\"),IF($D$1,\"transparent\",\"automatic\"))\" to \"=IF( $H$15,IF(Y278>0,IF(Y278<=AK107,\"green\",\"red\"),\"transparent\"),IF($D$1,\"transparent\",\"automatic\"))\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","NSR Calculator!C149","Changed from \"=IFERROR(Calculation!Z277,\"\")\" to \"=IFERROR(Calculation!Z278,\"\")\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!I481","Changed from \"=$Z$277\" to \"=$Z$278\". Keep the accounting format with no symbol."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Calculation!I487","Changed from \"=$AA$277\" to \"=$AA$278\"."]
[null,null,8.4,"l","2020-11-10","D12810","S Greig","Sheet7::ScenarioUpdate","Updated FHL NSR cell reference."]
[null,null,8.4,"m","2020-11-10","D12810","S Greig","Calculation!U274:AA277","Moved cells U274:AA276 to U275:AA277. Down by one, cell by cell."]
[null,null,8.4,"m","2020-11-10","D12810","S Greig","Calculation!V274","Changed from \"Rental Income\" to \"Add back Kiwisaver\"."]
[null,null,8.4,"m","2020-11-10","D12810","S Greig","Calculation!Y274","Changed from \"=I287\" to \"=X91\"."]
[null,null,8.4,"m","2020-11-10","D12810","S Greig","Calculation!Z274","Changed from \"=I287\" to \"'-   \"."]
[null,null,8.4,"m","2020-11-10","D12810","S Greig","Calculation!AA274","Changed from \"=I287\" to \"'-   \"."]
[null,null,8.4,"m","2020-11-10","D12810","S Greig","Calculation!Y273","Changed from \"=(I103/12)+N427+X91\" to \"=(I103/12)+N427\"."]
[null,null,8.4,"m","2020-11-10","D12810","S Greig","Calculation!Y276::AA276","Changed from \"=SUM(Y273:Y274)\" to \"\". Updated Y276 and dragged across."]
[null,null,8.4,"m","2020-11-10","D12810","S Greig","Calculation!Y277::AA277","Changed from \"=IF(Y275=0,0,Y270/Y275)\" to \"=IF(Y276=0,0,Y270/Y276)\". Updated Y277 and dragged across."]
[null,null,8.4,"m","2020-11-10","D12810","S Greig","Calculation!Y444","Changed from \"=Y275\" to \"=Y276\"."]
[null,null,8.4,"m","2020-11-10","D12810","S Greig","Calculation!Z444","Changed from \"=Z275\" to \"=Z276\"."]
[null,null,8.4,"n","2020-11-10","D12810","S Greig","Calculation!E256","Changed from \"=IFERROR(-PMT(F252,K254,E250,),0)\" to \"=IFERROR(-PMT(F253,K254,E250,),0)\"."]
[null,null,8.4,"o","2020-11-10","D12810","S Greig","NSR Calculator!C147","Changed from \"=MAX(TRUNC(Calculation!J456,0),0)\" to \"=MAX(TRUNC(Calculation!Z456,0),0)\"."]
[null,null,8.4,"p","2020-11-10","D12810","S Greig","Calculation!AA442:AA458","Copied cells Z442:Z458 to AA442:AA458."]
[null,null,8.4,"p","2020-11-10","D12810","S Greig","Calculation!AA442","Changed from \"SBS\" to \"IO\"."]
[null,null,8.4,"p","2020-11-10","D12810","S Greig","Calculation!AA446","Changed from \"=O427\" to \"=N427\"."]
[null,null,8.4,"p","2020-11-10","D12810","S Greig","Calculation!AA454","Changed from \"=G252\" to \"=F252\"."]
[null,null,8.4,"p","2020-11-10","D12810","S Greig","Calculation!AB456","Changed from \"Maximum loan\" to \"Max Term\"."]
[null,null,8.4,"p","2020-11-10","D12810","S Greig","Calculation!AB458","Changed from \"Maximum Loan Over Applicant Term\" to \"Loan Term\"."]
[null,null,8.4,"p","2020-11-10","D12810","S Greig","Sheet7::ScenarioUpdate","Updated IO cell references."]
[null,null,8.4,"p","2020-11-10","D12810","S Greig","Calculation!AB445","Changed from \"=AA265\" to \"=Z265\"."]
[null,null,8.4,"q","2020-11-10","D12810","S Greig","Calculation!","Widened columns X to AC so they could show the figures correctly."]
[null,null,8.4,"q","2020-11-11","D12810","S Greig","Sheet7::ScenarioUpdate","Updated IO cell references."]
[null,null,8.4,"r","2020-11-11","D12810","S Greig","NSR Calculator!B16:D16","Removed Number of applicants."]
[null,null,8.4,"r","2020-11-11","D12810","S Greig","NSR Calculator!C16","Protection set to locked."]
[null,null,8.4,"r","2020-11-11","D12810","S Greig","Module1::ResetForm_ClearContents","Do not include C16 in the clear method."]
[null,null,8.4,"s","2020-11-11","D12810","S Greig","Sheet7::ScenarioUpdate","Swapped Max Loan for Max Term with Application Term."]
[null,null,8.4,"t","2020-11-11","D12810","S Greig","NSR Calculator!O14:V87","Set the outline as grey."]
[null,null,8.4,"t","2020-11-11","D12810","S Greig","NSR Calculator!P15:U87","Copied from Applicaant 1 and 2 then changed the widths of the dropdowns."]
[null,null,8.4,"v","2020-11-12","D12810","S Greig","Calc2!","Created Calc2 sheet and copied contents from Calculation to Calc2. Calc2 is Sheet3."]
[null,null,8.4,"v","2020-11-12","D12810","S Greig","ThisWorkBook::Workbook_Open","Show and Hide to be the same as Sheet31."]
[null,null,8.4,"w","2020-11-12","D12810","S Greig","Calculation!3","Cleared Applicant Name row as it is not used. Needed to populate the drop down value for 2."]
[null,null,8.4,"w","2020-11-12","D12810","S Greig","Calc2!","Link the fields with the Household2 area. Try to use Calculation sheet extra fields if possible."]
[null,null,8.4,"z","2020-11-12","D12810","S Greig","Calculation!Q103,Q104,J137","Added Calc2 values to get the total."]
[null,null,8.4,"z","2020-11-12","D12810","S Greig","Module1::ClearHousehold2","Clear Household 2 input."]
[null,null,8.4,"z","2020-11-12","D12810","S Greig","Sheet7::CheckBox4_Click","Clear Household 2 when making FHL and when clicking reset."]
[null,null,8.5,"a","2020-11-13","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 8.5\". "]
[null,null,8.5,"a","2020-11-13","D12810","S Greig","Sheet7::SetupPrintArea","New method to set the print area."]
[null,null,8.5,"a","2020-11-13","D12810","S Greig","Module1::ClearHousehold2","Clearing the Household2 area will set the print area to one narrow page in portrait."]
[null,null,8.5,"a","2020-11-13","D12810","S Greig","Module4::Spinner610_Change","Changing the Adults spinner in Household2 will set the print to two wide pages in landscape. "]
[null,null,8.5,"a","2020-11-13","D12810","S Greig","Sheet7::Worksheet_Change","Entering a value in Adults in Household2 will set the print to two wide pages in landscape."]
[null,null,8.5,"b","2020-11-13","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,8.5,"b","2020-11-13","D12810","S Greig","Module1::ClearHousehold2","Changed location of calls so the Sheet7 was unlocked."]
[null,null,8.5,"b","2020-11-13","D12810","S Greig","Sheet7::SetupPrintArea","Added parameter to control the unlocking."]
[null,null,8.5,"b","2020-11-13","D12810","S Greig","Sheet7::SetupHousehold2","Method to control the hiding and showing of Household2 details. Commented out hiding because some controls are still showing."]
[null,null,8.5,"b","2020-11-13","D12810","S Greig","Sheet7::CheckBox4_Click","Changing the FHL status will show or hide the Household2 columns."]
[null,null,8.5,"c","2020-11-13","D12810","S Greig","To create a Unlock Version","Copy and add \"_Unlocked\" to name before setting Module1 LockedVersion to False and right-click on VBAProject - Properties and untick Lock project for viewing and blank passwords. "]
[null,null,8.5,"d","2020-11-13","D12810","S Greig","Calc2!","Start removing unused items on this sheet. Rows 428-487 were cleared."]
[null,null,8.5,"d","2020-11-13","D12810","S Greig","Calc2!Rows 402-424","Deleted rows and ensured the business Income is still correct."]
[null,null,8.5,"d","2020-11-13","D12810","S Greig","NSR Calculator!L141","Made the scenario rate cell available."]
[null,null,8.5,"d","2020-11-13","D12810","S Greig","Calc2!Rows 302-402","Deleted rows and ensured the business Income is still correct."]
[null,null,8.5,"f","2020-11-16","D12810","S Greig","Calculation!C301:S424","Cleared old calculations related to property value and security."]
[null,null,8.5,"g","2020-11-16","D12810","S Greig","Calc2!U279:Z279, J300, J297, J295, J293","Cleared cells for old calculation."]
[null,null,8.5,"g","2020-11-16","D12810","S Greig","Calc2!J289, I266, J265, J261, C266, C300","Cleared cells for old calculation."]
[null,null,8.5,"g","2020-11-16","D12810","S Greig","Calculation!U279:Z279,C300-J300","Cleared cells for old calculation."]
[null,null,8.5,"g","2020-11-16","D12810","S Greig","Calculation!R432","Changed from \"\" to \"=IF(Z278>0,ROUND(Z278*100,0),\"0\")&\"%\"\"."]
[null,null,8.5,"g","2020-11-16","D12810","S Greig","Calculation!R433","Changed from \"=IF(I261<=I265,\"Monthly Income is lower than monthly expenses\",\"The NSR is \"&ROUND(I297*100,0)&\"%. \")&\"Repayments for this loan amount and term meet servicing requirements\"\" to \"=\"The NSR is \"&R432&\". Repayments for this loan amount and term meet servicing requirements\"\"."]
[null,null,8.5,"g","2020-11-16","D12810","S Greig","Calculation!F433","Changed from \"=IF(AND(J297<=AK107,'NSR Calculator'!C159>=0),\"The NSR is \"&ROUND(J297*100,0)&\"%. Repayments for this loan amount and term meet servicing requirements\",IF(AND(J297>AK107,G297<=AK107),\"Repayments over this term exceed the maximum servicing level, but the loan amount could meet servcing requirements for a longer term\",\"Repayments over this term are above the maximum servicing level and the loan amount needs to be reduced\"))\" to \"=IF(AND(Z278<=$AK$107,'NSR Calculator'!C159>=0),R433,IF(AND(Z278>$AK$107,G297<=$AK$107),R434,R435))\"."]
[null,null,8.5,"g","2020-11-16","D12810","S Greig","Calculation!J297, J295, J293, J289, I266, C266","Cleared cells for old calculation."]
[null,null,8.5,"g","2020-11-16","D12810","S Greig","Calculation!C431:J431","Cleared cells for old calculation."]
[null,null,8.5,"g","2020-11-16","D12810","S Greig","Calculation!AH108:AK108, C435:F438","Cleared Repayment Cover Ratio calculation."]
[null,null,8.5,"g","2020-11-16","D12810","S Greig","Calc2!AH108:AK108","Cleared Repayment Cover Ratio calculation."]
[null,null,8.5,"h","2020-11-16","D12810","S Greig","Calculation!AN17:AX36","Cleared old table related to property value and security."]
[null,null,8.5,"h","2020-11-16","D12810","S Greig","Calc2!AN17:AX36","Cleared old table related to property value and security."]
[null,null,8.5,"h","2020-11-16","D12810","S Greig","Drop Down List!","Removed this sheet as it was not used."]
[null,null,8.5,"i","2020-11-16","D12810","S Greig","Calculation!C464:P479","Cleared cells for old calculation."]
[null,null,8.5,"l","2020-11-17","D12810","S Greig","Module5::Button613_Click","Replaced ActiveX control for Reset Button with a non-ActiveX control. It was CommandButton1."]
[null,null,8.5,"m","2020-11-17","D12810","S Greig","Module4,5,6","Moved code to Sheet7 module."]
[null,null,8.5,"m","2020-11-17","D12810","S Greig","Sheet7::CheckBox_Click","Created method to handle check box clicks."]
[null,null,8.5,"m","2020-11-17","D12810","S Greig","NSR Calculator!Check Box 614","Created non-ActiveX control for Construction Loan."]
[null,null,8.5,"m","2020-11-17","D12810","S Greig","NSR Calculator!Check Box 615","Created non-ActiveX control for Parental Support."]
[null,null,8.5,"n","2020-11-17","D12810","S Greig","NSR Calculator!Check Box 616","Created non-ActiveX control for Property Investor."]
[null,null,8.5,"n","2020-11-17","D12810","S Greig","NSR Calculator!Check Box 617","Created non-ActiveX control for First Home Loan."]
[null,null,8.5,"o","2020-11-17","D12810","S Greig","NSR Calculator!","Removed the four CheckBox ActiveX controls from the main screen."]
[null,null,8.5,"o","2020-11-17","D12810","S Greig","Sheet7::CheckBox1_Click - 4","Remove the click code for the previous ActiveX Controls."]
[null,null,8.5,"o","2020-11-17","D12810","S Greig","Module1::ResetForm_ClearContents","Update the clear to use the new controls."]
[null,null,8.5,"o","2020-11-17","D12810","S Greig","Sheet7::CheckBox_Click","Moved Construction Loan comments so they can be seen and changed the colour for E140 to match H13."]
[null,null,8.5,"o","2020-11-17","D12810","S Greig","NSR Calculator!E141","Changed from \"=\"           \"&Calculation!M256\" to \"=Calculation!M256\"."]
[null,null,8.5,"p","2020-11-17","D12810","S Greig","NSR Calculator!B134","Changed the colour for Parental Support message to match the Construction messages."]
[null,null,8.5,"p","2020-11-17","D12810","S Greig","NSR Calculator!C5","Moved Parental Support message and changed the colour to match the Construction messages."]
[null,null,8.6,"a","2020-11-17","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 8.6\". "]
[null,null,8.6,"c","2020-11-17","D12810","S Greig","Module1::unlock_macro","Comment out some hiding code as no longer required."]
[null,null,8.6,"c","2020-11-17","D12810","S Greig","Module1::lock_macro","Comment out some hiding code as no longer required."]
[null,null,8.6,"c","2020-11-17","D12810","S Greig","Module1::ResetForm_ClearContents","Clearing Checkboxes is via the reference cell."]
[null,null,8.6,"c","2020-11-17","D12810","S Greig","ThisWorkbook::Workbook_Open","Comment out deleted Sheet8."]
[null,null,8.6,"c","2020-11-17","D12810","S Greig","Sheet7::Worksheet_Change","Set the focus back to Scenario rate if that caused the change."]
[null,null,8.6,"c","2020-11-17","D12810","S Greig","Sheet7::ScenarioUpdate","Scenario restores AllowAutoUpdates back to what it was before the scenario update."]
[null,null,8.6,"c","2020-11-17","D12810","S Greig","Sheet7::ScenarioUpdate","Added unlocking for scenario rate change."]
[null,null,8.6,"d","2020-11-17","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,8.6,"e","2020-11-18","D12810","S Greig","Based on last unlocked version.","Based the new version on the previously unlocked \"c\" version."]
[null,null,8.6,"e","2020-11-18","D12810","S Greig","NSR Calculator!","Added light grey shading to highlight which fields can be changed."]
[null,null,8.6,"e","2020-11-18","D12810","S Greig","NSR Calculator!O,V","Changed the column widths to make it thinner."]
[null,null,8.6,"f","2020-11-18","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,8.6,"g","2020-11-18","D12810","S Greig","Based on last unlocked version.","Based the new version on the previously unlocked \"e\" version."]
[null,null,8.6,"g","2020-11-18","D12810","S Greig","Module1::unlock_macro","Ignore FHL NSR on line 147 as it is no longer used."]
[null,null,8.6,"g","2020-11-18","D12810","S Greig","Module1::unlock_macro + Lock","Do not show/hide L9 being Float/Fix"]
[null,null,8.6,"g","2020-11-18","D12810","S Greig","Module1::lockup_macro","Make the font colour equal the background colour to hide the text."]
[null,null,8.6,"h","2020-11-20","D12810","S Greig","Added Calc3 and Calc4 sheets","Copied Calc2 sheet to Calc3 and Calc4."]
[null,null,8.6,"h","2020-11-20","D12810","S Greig","NSR Calculator!W:AC","Copied columns P:V to W:AC."]
[null,null,8.6,"h","2020-11-20","D12810","S Greig","NSR Calculator!AD:AJ","Copied columns P:V to AD:AJ."]
[null,null,8.6,"h","2020-11-20","D12810","S Greig","MLA!F2:G5","Copied and updated cells from E2:E5 for Calc3 and Calc4."]
[null,null,8.6,"h","2020-11-20","D12810","S Greig","Calculation!J137","Changed from \"=((J135+J136)/12)+Calc2!J137\" to \"=((J135+J136)/12)+Calc2!J137+Calc3!J137+Calc4!J137\"."]
[null,null,8.6,"h","2020-11-20","D12810","S Greig","Calculation!AB263","Changed from \"'-   \" to \"=Calc3!J176\"."]
[null,null,8.6,"h","2020-11-20","D12810","S Greig","Calculation!AC263","Changed from \"'-   \" to \"=Calc4!J176\"."]
[null,null,8.6,"h","2020-11-20","D12810","S Greig","Calculation!Y273","Changed from \"=((I103+Calc2!I103)/12)+N427+Calc2!N303\" to \"=((I103+Calc2!I103)/12)+N427+Calc2!N303+Calc3!N303+Calc4!N303\"."]
[null,null,8.6,"h","2020-11-20","D12810","S Greig","Calculation!Y275","Changed from \"=I287+Calc2!I287\" to \"=I287+Calc2!I287+Calc3!I287+Calc4!I287\"."]
[null,null,8.6,"i","2020-11-20","D12810","S Greig","NSR Calculator!W:AI","Updated Household3 and Household4 columns to point to the Calc3 and Calc4 sheets."]
[null,null,8.6,"i","2020-11-20","D12810","S Greig","Calc3! ","Updated links to NSR Calculator sheet Household3."]
[null,null,8.6,"i","2020-11-20","D12810","S Greig","Calc4!","Updated links to NSR Calculator sheet Household4."]
[null,null,8.6,"k","2020-11-20","D12810","S Greig","Sheet7::Worksheet_Change","Call changes for Household3 and Household4."]
[null,null,8.6,"k","2020-11-20","D12810","S Greig","Sheet7::SetupPrintArea","Change print area for the number of Households."]
[null,null,8.6,"k","2020-11-20","D12810","S Greig","Sheet7::SpinnerH2_Change","Changed Spinner610_Change method to SpinnerH2_Change."]
[null,null,8.6,"k","2020-11-20","D12810","S Greig","Sheet7::SpinnerH3_Change","Created method based on SpinnerH2_Change."]
[null,null,8.6,"k","2020-11-20","D12810","S Greig","Sheet7::SpinnerH4_Change","Created method based on SpinnerH2_Change."]
[null,null,8.6,"k","2020-11-20","D12810","S Greig","Sheet7::ClearHouseholds","Changed ClearHousehold2 to ClearHouseholds and updated method."]
[null,null,8.6,"k","2020-11-20","D12810","S Greig","Sheet7::SetupHouseholds","Changed SetupHousehold2 to SetupHouseholds and updated method."]
[null,null,8.6,"m","2020-11-20","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,8.6,"n","2020-11-20","D12810","S Greig","Based on last unlocked version.","Based the new version on the previously unlocked \"l\" version."]
[null,null,8.6,"o","2020-11-23","D12810","S Greig","Calc2!, Calc3!, Calc4!","Clear fill for columns B:S."]
[null,null,8.6,"o","2020-11-23","D12810","S Greig","Calc2!B289:Z299","Clear old NSR calc cells."]
[null,null,8.6,"o","2020-11-23","D12810","S Greig","Calc3!B289:Z299","Clear old NSR calc cells."]
[null,null,8.6,"o","2020-11-23","D12810","S Greig","Calc4!B289:Z299","Clear old NSR calc cells."]
[null,null,8.6,"p","2020-11-23","D12810","S Greig","Sheet7::SetupPrintArea","Change the print layout options.  1 is one household as portrait and more as landscape. 2 is one household as portrait on one page and more as portrait on two pages."]
[null,null,8.6,"r","2020-11-30","D12810","S Greig","Calculation!Y273","Changed from \"=((I103+Calc2!I103)/12)+N427+Calc2!N303+Calc3!N303+Calc4!N303\" to \"=(I103/12)+N427+Calc2!Y273+Calc3!Y273+Calc4!Y273\"."]
[null,null,8.6,"r","2020-11-30","D12810","S Greig","NSR Calculator!Q90","Changed from \"=Calc2!$I$265*12\" to \"=Calculation!$AA$264*12\"."]
[null,null,8.6,"r","2020-11-30","D12810","S Greig","NSR Calculator!X90","Changed from \"=Calc3!$I$265*12\" to \"=Calculation!$AB$264*12\"."]
[null,null,8.6,"r","2020-11-30","D12810","S Greig","NSR Calculator!AE90","Changed from \"=Calc4!$I$265*12\" to \"=Calculation!$AC$264*12\"."]
[null,null,8.6,"r","2020-11-30","D12810","S Greig","NSR Calculator!C156","Changed from \"=C90+Q90\" to \"=C90+Q90+X90+AE90\"."]
[null,null,8.6,"t","2020-11-30","D12810","S Greig","Calculation!K252","Changed from \"=MIN(AK104,AK103-K5,AK103-O5,AK103-S5,AK103-G5)*12\" to \"\"."]
[null,null,8.6,"t","2020-11-30","D12810","S Greig","Calc2-4!Y268:AA268","Changed to point to the Calculation sheet value. This to ensure there is only one source for the current commitments."]
[null,null,8.6,"t","2020-11-30","D12810","S Greig","Calc2!-Calc4!M252:O252,K254:K257","Cleared cells."]
[null,null,8.6,"t","2020-11-30","D12810","S Greig","Calc2!-Calc4!C254:I257,G253:J254","Cleared cells."]
[null,null,8.6,"t","2020-11-30","D12810","S Greig","Calculation!-Calc4!K251","Changed from \"\" to \"Household min by age\"."]
[null,null,8.6,"t","2020-11-30","D12810","S Greig","Calculation!-Calc4!J251","Changed from \"\" to \"=MIN($AK$103-G5,$AK$103-K5,$AK$103-O5,$AK$103-S5)\"."]
[null,null,8.6,"t","2020-11-30","D12810","S Greig","Calc2!-Calc4!K252","Changed from \"=MIN(AK104,AK103-K5,AK103-O5,AK103-S5,AK103-G5)*12\" to \"=Calculation!K252\". One source of truth."]
[null,null,8.6,"t","2020-11-30","D12810","S Greig","Calculation!K252","Changed from \"=MIN($AK$103-G5,$AK$103-K5,$AK$103-O5,$AK$103-S5)\" to \"=MIN($AK$104,J251,Calc2!J251,Calc3!J251,Calc4!J251)*12\". Minimum based on all applicants."]
[null,null,8.6999999999999993,"a","2020-11-30","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 8.7\". "]
[null,null,8.6999999999999993,"a","2020-11-30","D12810","S Greig","NSR Calculator!G252","Changed from \"=Calculation!Q103+Calc2!Q103\" to \"=Calculation!Q103+Calc2!Q103+Calc3!Q103+Calc4!Q103\"."]
[null,null,8.6999999999999993,"a","2020-11-30","D12810","S Greig","NSR Calculator!G251","Changed from \"=Calculation!Q104+Calc2!Q104\" to \"=Calculation!Q104+Calc2!Q104+Calc3!Q104+Calc4!Q104\"."]
[null,null,8.6999999999999993,"a","2020-11-30","D12810","S Greig","NSR Calculator!C252","Changed from \"=SUM(D70:T70)\" to \"=SUM(D70:AH70)\"."]
[null,null,8.6999999999999993,"a","2020-11-30","D12810","S Greig","NSR Calculator!C254","Changed from \"=C84+I84+P84+T84\" to \"=C84+I84+P84+T84+W84+AA84+AD84+AH84\"."]
[null,null,8.6999999999999993,"b","2020-11-30","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,8.6999999999999993,"c","2020-12-02","D12810","S Greig","Based on last unlocked version.","Based the new version on the previously unlocked \"a\" version."]
[null,null,8.6999999999999993,"c","2020-12-02","D12810","S Greig","Calculation!Y447","Changed from \"=Y443*(Y444-Y445+Y446)\" to \"=Y443*(Y444+Y446)-Y445\"."]
[null,null,8.6999999999999993,"c","2020-12-02","D12810","S Greig","Calculation!Z447","Changed from \"=Z443*(Z444-Z445+Z446)\" to \"=Z443*(Z444+Z446)-Z445\"."]
[null,null,8.6999999999999993,"c","2020-12-02","D12810","S Greig","Calculation!AA447","Changed from \"=AA443*(AA444-AA445+AA446)\" to \"=AA443*(AA444+AA446)-AA445\"."]
[null,null,8.6999999999999993,"d","2020-12-02","D12810","S Greig","Calculation!Y447","Changed from \"=Y443*(Y444+Y446)-Y445\" to \"=(Y443*Y444)-Y445\"."]
[null,null,8.6999999999999993,"d","2020-12-02","D12810","S Greig","Calculation!Z447","Changed from \"=Z443*(Z444+Z446)-Z445\" to \"=(Z443*Z444)-Z445\"."]
[null,null,8.6999999999999993,"d","2020-12-02","D12810","S Greig","Calculation!AA447","Changed from \"=AA443*(AA444+AA446)-AA445\" to \"=(AA443*AA444)-AA445\"."]
[null,null,8.6999999999999993,"d","2020-12-02","D12810","S Greig","Calculation!X446:AA446","Cleared the Business Income line from the calculation table."]
[null,null,8.6999999999999993,"e","2020-12-02","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,8.6999999999999993,"f","2020-12-03","D12810","S Greig","Based on last unlocked version.","Based the new version on the previously unlocked \"e\" version."]
[null,null,8.6999999999999993,"g","2020-12-03","D12810","S Greig","NSR Calculator!M9","Changed from \"=Calculation!D252\" to \"=Calculation!E252\". The main rate is SBS Base rate plus the SBS Buffer."]
[null,null,8.6999999999999993,"g","2020-12-03","D12810","S Greig","Calculation!U184:AB202","Replace references to \"($AK$113+$AK$111)\" with \"$E$252\". This means there is one combined rate on the sheet."]
[null,null,8.6999999999999993,"h","2020-12-03","D12810","S Greig","Calculation!E252","Changed from \"=D252+$AK$111\" to \"=IF(J250>0,J250,D252+$AK$111)\". Move the scenario rate to overwrite the combined rate."]
[null,null,8.6999999999999993,"h","2020-12-03","D12810","S Greig","Calculation!D252","Changed from \"=IF(J250>0,J250,$AK$113)\" to \"=$AK$113\"."]
[null,null,8.6999999999999993,"h","2020-12-03","D12810","S Greig","Calculation!AK111","Changed from \"='Calculator Parameters'!C45\" to \"=IF($J$250>0,0, 'Calculator Parameters'!C45)\". Set the SBS Buffer to 0 for a scenario."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AA185","Changed from \"=IF(ISNUMBER(AA184),AA184*Q185,)\" to \"=IF(ISNUMBER(AA184),AA184*K185,)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AA187","Changed from \"=IF(AND(M187>0,N187>0,O187>0),-PMT($E$252/(Q187*100),O187*Q187,M187,),\"\")\" to \"=IF(AND(G187>0,H187>0,I187>0),-PMT($E$252/(K187*100),I187*K187,G187,),\"\")\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AA188","Changed from \"=IF(ISNUMBER(AA187),AA187*Q188,)\" to \"=IF(ISNUMBER(AA187),AA187*K188,)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AB184","Changed from \"=IF(AND(M184>0,N184>0,O184>0),-PMT($E$252/(Q184*100),$K$252/12*Q184,M184,),\"\")\" to \"=IF(AND(G184>0,H184>0,I184>0),-PMT($E$252/(K184*100),$K$252/12*K184,G184,),\"\")\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AB185","Changed from \"=IF(ISNUMBER(AB184),AB184*Q185,)\" to \"=IF(ISNUMBER(AB184),AB184*K185,)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AB187","Changed from \"=IF(AND(M187>0,N187>0,O187>0),-PMT($E$252/(Q187*100),$K$252/12*Q187,M187,),\"\")\" to \"=IF(AND(G187>0,H187>0,I187>0),-PMT($E$252/(K187*100),$K$252/12*K187,G187,),\"\")\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AB188","Changed from \"=IF(ISNUMBER(AB187),AB187*Q188,)\" to \"=IF(ISNUMBER(AB187),AB187*K188,)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AD185","Changed from \"=MAX(T185,AA185,AB185)\" to \"=MAX(AA185,AB185)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AD188","Changed from \"=MAX(T188,AA188,AB188)\" to \"=MAX(AA188,AB188)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AA199","Changed from \"=IF(AND(M199>0,N199>0,O199>0),-PMT($E$252/(Q199*100),O199*Q199,M199,),\"\")\" to \"=IF(AND(G199>0,H199>0,I199>0),-PMT($E$252/(K199*100),I199*K199,G199,),\"\")\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AA200","Changed from \"=IF(ISNUMBER(AA199),AA199*Q200,)\" to \"=IF(ISNUMBER(AA199),AA199*K200,)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AA202","Changed from \"=IF(AND(M202>0,N202>0,O202>0),-PMT($E$252/(Q202*100),O202*Q202,M202,),\"\")\" to \"=IF(AND(G202>0,H202>0,I202>0),-PMT($E$252/(K202*100),I202*K202,G202,),\"\")\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AA203","Changed from \"=IF(ISNUMBER(AA202),AA202*Q203,)\" to \"=IF(ISNUMBER(AA202),AA202*K203,)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AB199","Changed from \"=IF(AND(M199>0,N199>0,O199>0),-PMT($E$252/(Q199*100),$K$252/12*Q199,M199,),\"\")\" to \"=IF(AND(G199>0,H199>0,I199>0),-PMT($E$252/(K199*100),$K$252/12*K199,G199,),\"\")\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AB200","Changed from \"=IF(ISNUMBER(AB199),AB199*Q200,)\" to \"=IF(ISNUMBER(AB199),AB199*K200,)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AB202","Changed from \"=IF(AND(M202>0,N202>0,O202>0),-PMT($E$252/(Q202*100),$K$252/12*Q202,M202,),\"\")\" to \"=IF(AND(G202>0,H202>0,I202>0),-PMT($E$252/(K202*100),$K$252/12*K202,G202,),\"\")\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AB203","Changed from \"=IF(ISNUMBER(AB202),AB202*Q203,)\" to \"=IF(ISNUMBER(AB202),AB202*K203,)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AD200","Changed from \"=MAX(T200,AA200,AB200)\" to \"=MAX(AA200,AB200)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AD203","Changed from \"=MAX(T203,AA203,AB203)\" to \"=MAX(AA203,AB203)\"."]
[null,null,8.6999999999999993,"j","2020-12-07","D12810","S Greig","Calculation!AA267","Changed from \"=R271+R277+I283+I285\" to \"=AD190+AD205+I283+I285\"."]
[null,null,8.6999999999999993,"k","2020-12-07","D12810","S Greig","Sheet7::ScenarioUpdate","Correct scenario IO debt repayments and Available for Servicing."]
[null,null,8.6999999999999993,"l","2020-12-07","D12810","S Greig","Sheet7::ScenarioUpdate","Correct scenario FHL figures."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!U184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT($E$252/K184,I184*K184,G184,),\"\")\" to \"=IF(AND(G184>0,I184>0),-PMT($E$252/K184,I184*K184,G184,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!V184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT($E$252/K184,$K$252/12*K184,G184,),\"\")\" to \"=IF(AND(G184>0,I184>0),-PMT($E$252/K184,$K$252/12*K184,G184,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!AA184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),(G184*$E$252)/12,\"\")\" to \"=IF(AND(G184>0,I184>0),(G184*$E$252)/12,\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!AB184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT($E$252/(K184*100),$K$252/12*K184,G184,),\"\")\" to \"=IF(AND(G184>0,I184>0),-PMT($E$252/(K184*100),$K$252/12*K184,G184,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!U187","Changed from \"=IF(AND(G187>0,H187>0,I187>0),-PMT($E$252/K187,I187*K187,G187,),\"\")\" to \"=IF(AND(G187>0,I187>0),-PMT($E$252/K187,I187*K187,G187,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!V187","Changed from \"=IF(AND(G187>0,H187>0,I187>0),-PMT($E$252/K187,$K$252/12*K187,G187,),\"\")\" to \"=IF(AND(G187>0,I187>0),-PMT($E$252/K187,$K$252/12*K187,G187,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!AA187","Changed from \"=IF(AND(G187>0,H187>0,I187>0),-PMT($E$252/(K187*100),I187*K187,G187,),\"\")\" to \"=IF(AND(G187>0,I187>0),-PMT($E$252/(K187*100),I187*K187,G187,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!AB187","Changed from \"=IF(AND(G187>0,H187>0,I187>0),-PMT($E$252/(K187*100),$K$252/12*K187,G187,),\"\")\" to \"=IF(AND(G187>0,I187>0),-PMT($E$252/(K187*100),$K$252/12*K187,G187,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!U199","Changed from \"=IF(AND(G199>0,H199>0,I199>0),-PMT($E$252/K199,I199*K199,G199,),\"\")\" to \"=IF(AND(G199>0,I199>0),-PMT($E$252/K199,I199*K199,G199,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!V199","Changed from \"=IF(AND(G199>0,H199>0,I199>0),-PMT($E$252/K199,$K$252/12*K199,G199,),\"\")\" to \"=IF(AND(G199>0,I199>0),-PMT($E$252/K199,$K$252/12*K199,G199,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!AA199","Changed from \"=IF(AND(G199>0,H199>0,I199>0),-PMT($E$252/(K199*100),I199*K199,G199,),\"\")\" to \"=IF(AND(G199>0,I199>0),-PMT($E$252/(K199*100),I199*K199,G199,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!AB199","Changed from \"=IF(AND(G199>0,H199>0,I199>0),-PMT($E$252/(K199*100),$K$252/12*K199,G199,),\"\")\" to \"=IF(AND(G199>0,I199>0),-PMT($E$252/(K199*100),$K$252/12*K199,G199,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!U202","Changed from \"=IF(AND(G202>0,H202>0,I202>0),-PMT($E$252/K202,I202*K202,G202,),\"\")\" to \"=IF(AND(G202>0,I202>0),-PMT($E$252/K202,I202*K202,G202,),\"\")\" ."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!V202","Changed from \"=IF(AND(G202>0,H202>0,I202>0),-PMT($E$252/K202,$K$252/12*K202,G202,),\"\")\" to \"=IF(AND(G202>0,I202>0),-PMT($E$252/K202,$K$252/12*K202,G202,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!AA202","Changed from \"=IF(AND(G202>0,H202>0,I202>0),-PMT($E$252/(K202*100),I202*K202,G202,),\"\")\" to \"=IF(AND(G202>0,I202>0),-PMT($E$252/(K202*100),I202*K202,G202,),\"\")\"."]
[null,null,8.6999999999999993,"m","2020-12-07","D12810","S Greig","Calculation!AB202","Changed from \"=IF(AND(G202>0,H202>0,I202>0),-PMT($E$252/(K202*100),$K$252/12*K202,G202,),\"\")\" to \"=IF(AND(G202>0,I202>0),-PMT($E$252/(K202*100),$K$252/12*K202,G202,),\"\")\"."]
[null,null,8.6999999999999993,"n","2020-12-07","D12810","S Greig","NSR Calculator!Check Box 614","Removed Construction Loan check box from the calculator."]
[null,null,8.6999999999999993,"n","2020-12-07","D12810","S Greig","NSR Calculator!Check Box 614","Removed Parental Support check box from the calculator."]
[null,null,8.6999999999999993,"n","2020-12-07","D12810","S Greig","NSR Calculator!","Moved Property Investor and First Home Loan check boxes."]
[null,null,8.6999999999999993,"n","2020-12-07","D12810","S Greig","Calculation!B14:D15","Clear Construction Loan and Parental Support."]
[null,null,8.6999999999999993,"n","2020-12-07","D12810","S Greig","Calc2!B14:D15","Clear Construction Loan and Parental Support."]
[null,null,8.6999999999999993,"n","2020-12-07","D12810","S Greig","Calc3!B14:D15","Clear Construction Loan and Parental Support."]
[null,null,8.6999999999999993,"n","2020-12-07","D12810","S Greig","Calc4!B14:D15","Clear Construction Loan and Parental Support."]
[null,null,8.6999999999999993,"n","2020-12-07","D12810","S Greig","Sheet7!CheckBox_Click","Remove logic for Construction Loan and Parental Support clicks."]
[null,null,8.6999999999999993,"o","2020-12-07","D12810","S Greig","Calculation!Drop Down 17","Removed Fixed/Floating from the calculator."]
[null,null,8.6999999999999993,"o","2020-12-07","D12810","S Greig","Calculation!AH116:AH118","Removed Fixed/Foating."]
[null,null,8.6999999999999993,"o","2020-12-07","D12810","S Greig","Calc2!AH116:AH118","Removed Fixed/Foating."]
[null,null,8.6999999999999993,"o","2020-12-07","D12810","S Greig","Calc3!AH116:AH118","Removed Fixed/Foating."]
[null,null,8.6999999999999993,"o","2020-12-07","D12810","S Greig","Calc4!AH116:AH118","Removed Fixed/Foating."]
[null,null,8.6999999999999993,"o","2020-12-07","D12810","S Greig","Calculation!O252","Clear cell holding the Drop Down 17 resulting index."]
[null,null,8.6999999999999993,"p","2020-12-07","D12810","S Greig","NSR Calculator!J145","Changed from \"  Max Amount\" to \"  Max loan for app term\"."]
[null,null,8.6999999999999993,"p","2020-12-07","D12810","S Greig","NSR Calculator!J147","Changed from \"  Max Term\" to \"  Max loan for max term\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!O184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT((H184+$AK$109)/K184,I184*K184,G184,),\"\")\" to \"=IF(AND(G184>0,I184>0),-PMT($E$253/K184,I184*K184,G184,),\"\")\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!P184","Changed from \"=IF(AND(G184>0,H184>0,I184>0),-PMT((H184+$AK$109)/K184,$K$252/12*K184,G184,),\"\")\" to \"=IF(AND(G184>0,I184>0),-PMT($E$253/K184,$K$252/12*K184,G184,),\"\")\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!O187","Changed from \"=IF(AND(G187>0,H187>0,I187>0),-PMT((H187+$AK$109)/K187,I187*K187,G187,),\"\")\" to \"=IF(AND(G187>0,I187>0),-PMT($E$253/K187,I187*K187,G187,),\"\")\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!P187","Changed from \"=IF(AND(G187>0,H187>0,I187>0),-PMT((H187+$AK$109)/K187,$K$252/12*K187,G187,),\"\")\" to \"=IF(AND(G187>0,I187>0),-PMT($E$253/K187,$K$252/12*K187,G187,),\"\")\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!O199","Changed from \"=IF(AND(G199>0,H199>0,I199>0),-PMT((H199+$AK$109)/K199,I199*K199,G199,),\"\")\" to \"=IF(AND(G199>0,I199>0),-PMT($E$253/K199,I199*K199,G199,),\"\")\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!P199","Changed from \"=IF(AND(G199>0,H199>0,I199>0),-PMT((H199+$AK$109)/K199,$K$252/12*K199,G199,),\"\")\" to \"=IF(AND(G199>0,I199>0),-PMT($E$253/K199,$K$252/12*K199,G199,),\"\")\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!O202","Changed from \"=IF(AND(G202>0,H202>0,I202>0),-PMT((H202+$AK$109)/K202,I202*K202,G202,),\"\")\" to \"=IF(AND(G202>0,I202>0),-PMT($E$253/K202,I202*K202,G202,),\"\")\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!P202","Changed from \"=IF(AND(G202>0,H202>0,I202>0),-PMT((H202+$AK$109)/K202,$K$252/12*K202,G202,),\"\")\" to \"=IF(AND(G202>0,I202>0),-PMT($E$253/K202,$K$252/12*K202,G202,),\"\")\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!I184","Changed from \"=IF(AND(G184>0,H184>0),IF('NSR Calculator'!E98>0,'NSR Calculator'!E98,Calculation!$K$256/12))\" to \"=IF(G184>0,IF(AND('NSR Calculator'!D98>0,'NSR Calculator'!D98<Calculation!$K$256),'NSR Calculator'!D98,Calculation!$K$256/12))\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!I187","Changed from \"=IF(AND(G187>0,H187>0),IF('NSR Calculator'!E100>0,'NSR Calculator'!E100,Calculation!$K$256/12))\" to \"=IF(G187>0,IF(AND('NSR Calculator'!D100>0,'NSR Calculator'!D100<Calculation!$K$256),'NSR Calculator'!D100,Calculation!$K$256/12))\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!I199","Changed from \"=IF(AND(G199>0,H199>0),IF('NSR Calculator'!E107>0,'NSR Calculator'!E107,Calculation!$K$256/12))\" to \"=IF(G199>0,IF(AND('NSR Calculator'!D107>0,'NSR Calculator'!D107<Calculation!$K$256),'NSR Calculator'!D107,Calculation!$K$256/12))\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!I202","Changed from \"=IF(AND(G202>0,H202>0),IF('NSR Calculator'!E109>0,'NSR Calculator'!E109,Calculation!$K$256/12))\" to \"=IF(G202>0,IF(AND('NSR Calculator'!D109>0,'NSR Calculator'!D109<Calculation!$K$256),'NSR Calculator'!D109,Calculation!$K$256/12))\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Calculation!H179:H204","Cleared rate column from the calculation sheet."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","NSR Calculator!D97","Changed from \"Current Floating Rate\" to \"Term (max. allowable years)\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","NSR Calculator!D106","Changed from \"Current Floating Rate\" to \"Term (max. allowable years)\"."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","NSR Calculator!E98:F109","Unmerge the cells, clear values, locked cells and changed the background colour."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Module1","Removed commenetd out lines."]
[null,null,8.6999999999999993,"q","2020-12-08","D12810","S Greig","Module1::ResetForm_ClearContents","Updated to not clear the E98:F109 cells."]
[null,null,8.6999999999999993,"r","2020-12-08","D12810","S Greig","ThisWorkbook::Workbook_Open","Set the time period to 5 seconds, controlled by global variable."]
[null,null,8.6999999999999993,"r","2020-12-08","D12810","S Greig","Sheet7::Worksheet_Change","Setup the time when changing the number of adults."]
[null,null,8.6999999999999993,"r","2020-12-08","D12810","S Greig","Module1::AutoEventMethod","Method to action the timer. Started if FHL is ticked or a Scenario rate is entered. Stopped when FHL is unticked or scenario is cleared."]
[null,null,8.6999999999999993,"t","2020-12-09","D12810","S Greig","Module1::AutoEventMethod","Method and associated variables all starting with AutoEvent. First time turns scenario rate background to red, then two more cycles before doing the scenario update as it takes a few seconds."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","Calculation!H216","Changed from \"='NSR Calculator'!D116\" to \"=IF(H15=TRUE,E253,E252)\"."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","Calculation!H217","Changed from \"='NSR Calculator'!D118\" to \"=IF(H15=TRUE,E253,E252)\"."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","Calculation!I214","Changed from \"='NSR Calculator'!E116\" to \"=$K$252/12\"."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","Calculation!I217","Changed from \"='NSR Calculator'!E118\" to \"=$K$252/12\"."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","Calculation!N214","Changed from \"='NSR Calculator'!G116\" to \"='NSR Calculator'!D116\"."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","Calculation!N217","Changed from \"='NSR Calculator'!G118\" to \"='NSR Calculator'!D118\"."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","NSR Calculator!D120","Changed from \"\" to \"=IF(AND(I116=\"\",I118=\"\"),Calculation!N220,\"ERROR\")\" and changed the cell format."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","NSR Calculator!D115","Changed from \"Rate\" to \"Monthly Actual Payment\"."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","NSR Calculator!I116","Changed from \"=IF(AND(OR(ISBLANK(C116)=FALSE,ISBLANK(D116)=FALSE,ISBLANK(E116)=FALSE),ISBLANK(G116)=TRUE),\"ERROR: Please enter an actual monthly loan payment\",\"\")\" to \"=IF(AND(ISBLANK(C116)=FALSE,ISBLANK(D116)=TRUE),\"ERROR: Please enter an actual monthly loan payment\",\"\")\"."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","NSR Calculator!I118","Changed from \"=IF(AND(OR(ISBLANK(C118)=FALSE,ISBLANK(D118)=FALSE,ISBLANK(E118)=FALSE),ISBLANK(G118)=TRUE),\"ERROR: Please enter an actual monthly loan payment\",\"\")\" to \"=IF(AND(ISBLANK(C118)=FALSE,ISBLANK(D118)=TRUE),\"ERROR: Please enter an actual monthly loan payment\",\"\")\"."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","NSR Calculator!E115:H120","Cleared range and reset formats and backgrounds."]
[null,null,8.6999999999999993,"v","2020-12-09","D12810","S Greig","Module1::ResetForm_ClearContents","Updated method to not include the cleared cells."]
[null,null,8.8000000000000007,"a","2020-12-09","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 8.8\". "]
[null,null,8.8000000000000007,"b","2020-12-09","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,8.8000000000000007,"c","2020-12-29","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,8.8000000000000007,"c","2020-12-29","D12810","S Greig","Calculator Parameters!C41","Changed from \"4.50\" to \"4.54\"."]
[null,null,8.8000000000000007,"c","2020-12-29","D12810","S Greig","Calculation!Y275","Changed from \"=I287+Calc2!I287+Calc3!I287+Calc4!I287\" to \"=J137\". They have already been grouped together in J137."]
[null,null,8.8000000000000007,"c","2020-12-29","D12810","S Greig","Calc2!U274:AA278","Cleared block to remove any confussion."]
[null,null,8.8000000000000007,"c","2020-12-29","D12810","S Greig","Calc3!U274:AA278","Cleared block to remove any confussion."]
[null,null,8.8000000000000007,"c","2020-12-29","D12810","S Greig","Calc4!U274:AA278","Cleared block to remove any confussion."]
[null,null,8.8000000000000007,"d","2020-12-29","D12810","S Greig","Sheet7::ScenarioUpdate","FHL to include the buffer in the displayed rate. This should not change the calculation."]
[null,null,8.9,"a","2020-12-29","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 8.9\". "]
[null,null,8.9,"b","2020-12-29","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,8.9,"c","2020-12-29","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,8.9,"c","2020-12-30","D12810","S Greig","Sheet7::SetupPrintArea","Print is to be portrait for all pages."]
[null,null,9,"a","2020-12-30","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 9.0\". "]
[null,null,9,"b","2020-12-30","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,9,"c","2020-12-30","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,9,"e","2020-12-30","D12810","S Greig","Module1:ClearHouseholds","Clear all households info and dropdowns."]
[null,null,9,"f","2020-12-30","D12810","S Greig","NSR Calculator!G70","Changed from \"=Calculation!$M$101+'NSR Calculator'!G66+'NSR Calculator'!G68\" to \"=Calculation!$M$101+G66+G68\"."]
[null,null,9,"f","2020-12-30","D12810","S Greig","NSR Calculator!T70","Changed from \"=Calc2!$M$101+'NSR Calculator'!T66+'NSR Calculator'!T68\" to \"=Calc2!$M$101+T66+T68\"."]
[null,null,9,"f","2020-12-30","D12810","S Greig","NSR Calculator!AA70","Changed from \"=Calc3!$M$101+'NSR Calculator'!AA66+'NSR Calculator'!AA68\" to \"=Calc3!$M$101+AA66+AA68\"."]
[null,null,9,"f","2020-12-30","D12810","S Greig","NSR Calculator!G70","Changed from \"=Calc4!$M$101+'NSR Calculator'!AH66+'NSR Calculator'!AH68\" to \"=Calc4!$M$101+AH66+AH68\"."]
[null,null,9,"f","2020-12-30","D12810","S Greig","Sheet7::Reset_Click","Turn Autoupdates off when resetting. This stopped the 400 error."]
[null,null,9,"f","2020-12-30","D12810","S Greig","Sheet7::SetupPrintArea","Made parameters begin with p."]
[null,null,9,"f","2020-12-30","D12810","S Greig","Sheet7::SetupHouseholds","Made parameters begin with p."]
[null,null,9,"g","2020-12-31","D12810","S Greig","NSR Calculator!O1:AJ13","No fill in the background as the portrait print does not need it."]
[null,null,9,"g","2020-12-31","D12810","S Greig","NSR Calculator!O92:AI160","No fill in the background as the portrait print does not need it."]
[null,null,9,"h","2020-12-31","D12810","S Greig","NSR Calculator!J151:N158","Shifted down to include Rental/Boarder Income."]
[null,null,9,"h","2020-12-31","D12810","S Greig","NSR Calculator!C145,C147","Changed formating from \"\"$#,##0_);[Red]($#,##0)\" to \"_-$* #,##0_-;[Red]-$* #,##0_-;_-$* \"-\"??_-;_-@_-\"."]
[null,null,9,"h","2020-12-31","D12810","S Greig","NSR Calculator!L145:M147","Changed formating to match that of L149."]
[null,null,9,"h","2020-12-31","D12810","S Greig","NSR Calculator!C159","Changed from \"_-$* #,##0_-;-$* #,##0_-;_-$* \"-\"??_-;_-@_-\" to \"_-$* #,##0_-;[Red]-$* #,##0_-;_-$* \"-\"??_-;_-@_-\"."]
[null,null,9,"h","2020-12-31","D12810","S Greig","NSR Calculator!L156:M156","Also changed the formatting to match, so it goes red for negative."]
[null,null,9,"i","2020-12-31","D12810","S Greig","Sheet7:ScenarioUpdate","Updated for split rental fields."]
[null,null,9.1,"a","2020-12-31","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 9.1\". "]
[null,null,9.1,"b","2020-12-31","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,9.1,"c","2021-01-11","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,9.1,"c","2021-01-11","D12810","S Greig","NSR Calculator!C152","Changed from 0 to \"=SUM(D70:AH70)\"."]
[null,null,9.1999999999999993,"a","2021-01-11","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 9.2\". "]
[null,null,9.1999999999999993,"b","2021-01-11","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,9.1999999999999993,"c","2021-01-11","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,9.1999999999999993,"c","2021-01-11","D12810","S Greig","Calculation Parameters!J32:J34","Copied I32:I34 to J32:J34 to record the new Threshold."]
[null,null,9.1999999999999993,"c","2021-01-11","D12810","S Greig","Calculation Parameters!B32","Changed from 20,020 to 20,280."]
[null,null,9.3000000000000007,"a","2021-01-11","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 9.3\". "]
[null,null,9.3000000000000007,"b","2021-01-11","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,9.3000000000000007,"c","2021-01-12","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,9.3000000000000007,"c","2021-01-12","D12810","S Greig","Calculation!AB180:AB205","Cleared max term for interest only area."]
[null,null,9.3000000000000007,"c","2021-01-12","D12810","S Greig","Calculation!AA182:AA183","Cleared heading as buffer and term is not relevant."]
[null,null,9.3000000000000007,"c","2021-01-12","D12810","S Greig","Calculation!AA197:AA198","Cleared heading as buffer and term is not relevant."]
[null,null,9.3000000000000007,"c","2021-01-12","D12810","S Greig","Calculation!AA267","Changed from \"=AD190+AD205+I283+I285\" to \"=AA190+AA205+I283+I285\"."]
[null,null,9.3000000000000007,"c","2021-01-12","D12810","S Greig","Calculation!AB180:AB205","Cleared as Interest Only has one column."]
[null,null,9.4,"a","2021-01-12","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 9.4\". "]
[null,null,9.4,"b","2021-01-12","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,9.4,"c","2021-01-12","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,9.4,"c","2021-01-12","D12810","S Greig","Sheet7:Save_Click","Added the Save button to the main form."]
[null,null,9.4,"c","2021-01-12","D12810","S Greig","Module1:Save_Application","Added the logic for the save button. Still not working WIP."]
[null,null,9.4,"d","2021-01-12","D12810","S Greig","Calculation!AA187","Changed from \"=IF(AND(G187>0,I187>0),-PMT($E$252/(K187*100),I187*K187,G187,),\"\")\" to \"=IF(AND(G187>0,I187>0),(G187*$E$252)/12,\"\")\"."]
[null,null,9.4,"d","2021-01-12","D12810","S Greig","Calculation!AA199","Changed from \"=IF(AND(G199>0,I199>0),-PMT($E$252/(K199*100),I199*K199,G199,),\"\")\" to \"=IF(AND(G199>0,I199>0),(G199*$E$252)/12,\"\")\"."]
[null,null,9.4,"d","2021-01-12","D12810","S Greig","Calculation!AA187","Changed from \"=IF(AND(G202>0,I202>0),-PMT($E$252/(K202*100),I202*K202,G202,),\"\")\" to \"=IF(AND(G202>0,I202>0),(G202*$E$252)/12,\"\")\"."]
[null,null,9.5,"a","2021-01-12","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 9.5\". "]
[null,null,9.5,"b","2021-01-12","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,9.5,"c","2021-01-12","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,9.5,"d","2021-01-13","D12810","S Greig","Module1:ResetForm_ClearContents","Reset click will also clear the scenario area."]
[null,null,9.5,"e","2021-01-13","D12810","S Greig","NSR Calculator!C145","Changed from \"0\" to \"=SUM(D70:AH70)\"."]
[null,null,9.5,"f","2021-01-13","D12810","S Greig","Module1:AutoEventMethod","Removed second check for cell not being red as it would not get there if it was."]
[null,null,9.5,"f","2021-01-13","D12810","S Greig","AutoEventScenRate","Added variable to record the scenario rate. Needs checking because mouse click off rate does not trigger scenario update."]
[null,null,9.5,"f","2021-01-13","D12810","S Greig","Sheet7:CheckBox_Click","Updated to record scenario Rate when starting timer."]
[null,null,9.5,"f","2021-01-13","D12810","S Greig","Sheet7:Worksheet_Change","Updated to record scenario Rate when starting timer."]
[null,null,9.5,"f","2021-01-13","D12810","S Greig","AutoEventScenNSR","Removed this variable and its references in the above three methods as a recalc will do no harm."]
[null,null,9.5,"f","2021-01-13","D12810","S Greig","Sheet7:ScenarioUpdate","Scenario Update will update the AutoEventScenRate to stop it from triggering more updates."]
[null,null,9.5,"f","2021-01-13","D12810","S Greig","Sheet7","Methods in Sheet7 with \"Sheet.Range\" have been changed to \"Range\"."]
[null,null,9.6,"a","2021-01-13","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 9.6\". "]
[null,null,9.6,"b","2021-01-13","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,9.6,"c","2021-01-13","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,9.6,"c","2021-01-13","D12810","S Greig","Module1:Save_Application","Working on the saving features."]
[null,null,9.6,"d","2021-01-13","D12810","S Greig","NSRDirFileName","Created a constant to store the save directory name as \"C:\\Temp\\NSRDirectory.txt\"."]
[null,null,9.6,"d","2021-01-13","D12810","S Greig","Module1:GetNSRDir","Method to get the directory for NSR files."]
[null,null,9.6,"d","2021-01-13","D12810","S Greig","NewOrOld:CommandButton2_Click","Modified to call the new method."]
[null,null,9.6,"d","2021-01-13","D12810","S Greig","Module1:Save_Application","Modified to call the new method."]
[null,null,9.6,"e","2021-01-14","D12810","S Greig","Sheet7:Reset_Click","Reset turns the autoupdates back on."]
[null,null,9.6999999999999993,"a","2021-01-14","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 9.7\". "]
[null,null,9.6999999999999993,"b","2021-01-14","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,9.6999999999999993,"c","2021-01-14","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,9.6999999999999993,"c","2021-01-14","D12810","S Greig","Module1:Save_Application","Updated this method and removed the old save txt file for LA import and changed the save format from a literal to an excel constant."]
[null,null,9.6999999999999993,"c","2021-01-14","D12810","S Greig","NewOrOld:CommandButton2_Click","Changed the logic to get it to save."]
[null,null,9.6999999999999993,"c","2021-01-14","D12810","S Greig","NSRDrive and NSRDir","Added variables to give the path and directory visibility."]
[null,null,9.6999999999999993,"c","2021-01-14","D12810","S Greig","Module1:GetNSRDir","Updated for the new variables."]
[null,null,9.6999999999999993,"c","2021-01-14","D12810","S Greig","Module1:Save_Application","Updated for the new variables."]
[null,null,9.6999999999999993,"d","2021-01-14","D12810","S Greig","Module1:GetNSRDir","Changing the method to read a saved file."]
[null,null,9.6999999999999993,"d","2021-01-14","D12810","S Greig","NSRSBSDir","Added constant for SBS NSR dir \"P:\\Public\\Loan Calculations\\\" ."]
[null,null,9.6999999999999993,"f","2021-01-14","D12810","S Greig","NSR Calculator!C145","Changed from \"=SUM(D70:AH70)\" to \"=MAX(TRUNC(Calculation!Z458,0),0)\"."]
[null,null,9.6999999999999993,"g","2021-01-14","D12810","S Greig","ThisWorkbook:Workbook_Open","Start the Timer if FHL is already ticked or the Scenario has a rate."]
[null,null,9.6999999999999993,"g","2021-01-14","D12810","S Greig","NewOrOld:UserForm_QueryClose","Clicking on window close will be the same as cancel to the file select."]
[null,null,9.6999999999999993,"h","2021-01-14","D12810","S Greig","Module1:SetNSRDir","Created method to record the latest file path."]
[null,null,9.6999999999999993,"h","2021-01-14","D12810","S Greig","Module1:Save_Application","Save calls the set path."]
[null,null,9.6999999999999993,"h","2021-01-14","D12810","S Greig","Module1:CloseWithoutSaving","Turn off the timer when closing."]
[null,null,9.6999999999999993,"h","2021-01-14","D12810","S Greig","Module1:Save_Application","Turn off the timer when saving."]
[null,null,9.6999999999999993,"i","2021-01-14","D12810","S Greig","Module1:SetNSRDir","Updated the method to store the path used."]
[null,null,9.6999999999999993,"i","2021-01-14","D12810","S Greig","Module1:Save_Application","Do not update the directory file when saving. The path cannot be changed at that point."]
[null,null,9.6999999999999993,"i","2021-01-14","D12810","S Greig","TheWorkbook:Workbook_Open","Save the path if the spreadsheet already has a loan amount."]
[null,null,9.6999999999999993,"i","2021-01-14","D12810","S Greig","NSROldDir","Added variable to record the old directory when it is read."]
[null,null,9.6999999999999993,"i","2021-01-14","D12810","S Greig","Module1:GetNSRDir","Update the NSROldDir for later reference."]
[null,null,9.6999999999999993,"i","2021-01-14","D12810","S Greig","Module1:SetNSRDir","Update the recording of the directory if it has changed."]
[null,null,9.6999999999999993,"j","2021-01-15","D12810","S Greig","Sheet7:ScenarioUpdate","Hide IO Max loan and max amount."]
[null,null,9.6999999999999993,"j","2021-01-15","D12810","S Greig","NSR Calculator!M145 + M147","Changed cell format from customer  \"_-$* #,##0_-;[Red]-$* #,##0_-;_-$* \"-\"??_-;_-@_-\" to general."]
[null,null,9.6999999999999993,"j","2021-01-15","D12810","S Greig","NSR Calculator!144 + 145","Changed the row heights to make it more presentable."]
[null,null,9.6999999999999993,"j","2021-01-15","D12810","S Greig","NSR Calculator!M145:M147","Change the background colour to match the surrounds."]
[null,null,9.6999999999999993,"j","2021-01-15","D12810","S Greig","Sheet7:ScenarioClear","Leave the unused IO backgrounds as darker grey."]
[null,null,9.6999999999999993,"k","2021-01-15","D12810","S Greig","Module1:GetNSRDir","Use Input Line command to read file."]
[null,null,9.6999999999999993,"k","2021-01-15","D12810","S Greig","Module1:SetNSRDir","Use Write command to out file."]
[null,null,9.8000000000000007,"a","2021-01-15","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 9.8\". "]
[null,null,9.8000000000000007,"b","2021-01-15","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,9.8000000000000007,"c","2021-01-15","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,9.8000000000000007,"c","2021-01-15","D12810","S Greig","Module1:SetNSRDir","Update the NSR variables to be used when saving."]
[null,null,9.8000000000000007,"c","2021-01-15","D12810","S Greig","Module1:GetNSRDir","Used the NSR memory variables if they have been set."]
[null,null,9.8000000000000007,"c","2021-01-15","D12810","S Greig","Module1:SetNSRDir","Delete the NSR directory file before openning for output."]
[null,null,9.9,"a","2021-01-15","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 9.9\". "]
[null,null,9.9,"b","2021-01-15","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,9.9,"c","2021-01-15","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,9.9,"c","2021-01-18","D12810","S Greig","NewOrOld:UserForm_QueryClose","Set as new and hide when closing window."]
[null,null,9.9,"c","2021-01-18","D12810","S Greig","HasBeenSaved","Added vairiable to record if the sheet has been saved."]
[null,null,9.9,"c","2021-01-18","D12810","S Greig","ThisWorkbook:Workbook_Open","Set saved to false when opening the workbook."]
[null,null,9.9,"c","2021-01-18","D12810","S Greig","Sheet7:Reset_Click","Set saved to false when reseting."]
[null,null,9.9,"c","2021-01-18","D12810","S Greig","Module1:Save_Application","Set saved to true when saving."]
[null,null,9.9,"c","2021-01-18","D12810","S Greig","ThisWorkbook:Workbook_BeforeClose","Save not to ask if you want to save again."]
[null,null,9.9,"d","2021-01-18","D12810","S Greig","Sheet7:Hide_Save","Created method to hide the save button."]
[null,null,9.9,"d","2021-01-18","D12810","S Greig","ThisWorkbook:Workbook_Open","Broker version is to hide the Save button."]
[null,null,10,"a","2021-01-18","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 10.0\". "]
[null,null,10,"b","2021-01-18","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10,"c","2021-01-18","D12810","S Greig","Module1","Changed BrokerVersion to True."]
[null,null,10,"c","2021-01-18","D12810","S Greig","NSR Calculator!L4","Changed version to \"Broker 10.0\". "]
[null,null,10,"d","2021-01-18","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,10,"e","2021-01-19","D12810","S Greig","NSR Calculator!J18","Correct spelling \"eduction\" -> \"education\"."]
[null,null,10.1,"a","2021-01-19","D12810","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 10.1\". "]
[null,null,10.1,"b","2021-01-19","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.1,"c","2021-01-19","D12810","S Greig","Module1","Changed BrokerVersion to True."]
[null,null,10.1,"c","2021-01-19","D12810","S Greig","NSR Calculator!L4","Changed version to \"Broker 10.1\". "]
[null,null,10.1,"d","2021-01-19","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.1,"e","2021-02-09","D12810","S Greig","Calculation Parameters!C44","Changed from \"3.00%\" to \"2.75%\". This is a foundation rate change. The fuffer is already \"2.50%\"."]
[null,null,10.1,"f","2021-02-09","D12810","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.1,"g","2021-02-09","D12810","S Greig","Module1","Changed BrokerVersion to True."]
[null,null,10.1,"g","2021-02-09","D12810","S Greig","NSR Calculator!L4","Changed version to \"Broker 10.1\". "]
[null,null,10.1,"h","2021-02-09","D12810","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"e\" version."]
[null,null,10.1,"i","2021-03-15","D13131","S Greig","Calculator Parameters!30","Added row 30 to record a new level of tax rate."]
[null,null,10.1,"i","2021-03-15","D13131","S Greig","Calculator Parameters!C29","Changed from \"\" to \"180,000.00\"."]
[null,null,10.1,"i","2021-03-15","D13131","S Greig","Calculator Parameters!B30","Changed to \"180000.01\"."]
[null,null,10.1,"i","2021-03-15","D13131","S Greig","Calculator Parameters!C30","Changed to \"\"."]
[null,null,10.1,"i","2021-03-15","D13131","S Greig","Calculator Parameters!D30","Changed to \"0.390\"."]
[null,null,10.1,"k","2021-03-15","D13131","S Greig","Calculation!AH54","Change to \"='Calculator Parameters'!B29\"."]
[null,null,10.1,"k","2021-03-15","D13131","S Greig","Calculation!AI54","Changed to \"='Calculator Parameters'!C29\"."]
[null,null,10.1,"k","2021-03-15","D13131","S Greig","Calculation!H1524:AK54","Changed to \"='Calculator Parameters'!D29\"."]
[null,null,10.1,"k","2021-03-15","D13131","S Greig","Calculation!AM54","Changed from \"\" to \"=AM53+(AI54-AI53)*AK54\"."]
[null,null,10.1,"k","2021-03-15","D13131","S Greig","Calculation!AO54","Changed to \"=1/(1-AK54)\"."]
[null,null,10.1,"k","2021-03-15","D13131","S Greig","Calculation!AQ54","Changed from \"\" to \"=AI54-AM54\"."]
[null,null,10.1,"k","2021-03-15","D13131","S Greig","Calculation!AH55","Changed from \"\" to \"='Calculator Parameters'!B30\"."]
[null,null,10.1,"k","2021-03-15","D13131","S Greig","Calculation!AK55","Changed from \"\" to \"='Calculator Parameters'!D30\"."]
[null,null,10.1,"k","2021-03-15","D13131","S Greig","Calculation!AO55","Changed from \"\" to \"=1/(1-AK55)\"."]
[null,null,10.1,"l","2021-03-15","D13131","S Greig","Calculation!AQ44","Changed from \"=(AO44-AI53)*AK54+AM53\" to \"=(AO44-AI54)*AK55+AM54\"."]
[null,null,10.1,"l","2021-03-15","D13131","S Greig","Calculation!AQ45","Changed from \"=(AO45-AI53)*AK54+AM53\" to \"=(AO45-AI54)*AK55+AM54\"."]
[null,null,10.1,"n","2021-03-16","D13131","S Greig","Calculation!AH:AI","Increased column widths."]
[null,null,10.1,"n","2021-03-16","D13131","S Greig","Calc2-4!AH:AI","Increased column widths to match Calculation sheet."]
[null,null,10.1,"n","2021-03-16","D13131","S Greig","Calc2-4!AH53:AQ55","Copied from Calculation!AH53:AQ55 to other calculation sheets."]
[null,null,10.1,"n","2021-03-16","D13131","S Greig","Calc2-4!AQ44:AQ45","Copied from Calculation!AQ44:AQ45 to other calculation sheets."]
[null,null,10.1,"o","2021-03-16","D13131","S Greig","Calculator Parameters!D29","Changed from \"0.300\" to \"0.330\"."]
[null,null,10.1,"o","2021-03-16","D13131","S Greig","Calculation!G58","Changed from \"=IF(I58<=$AQ$51,I58/(1-$AK$51-$AK$44),IF(I58<=$AQ$52,(I58+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(I58<=$AQ$53,(I58+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(I58<=$AS$44,(I58+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(I58>$AS$44,(I58+$AM$44+$AM$53-$AI$53*$AK$54)/(1-$AK$54))))))\" to \"=IF(I58<=$AQ$51,I58/(1-$AK$51-$AK$44),IF(I58<=$AQ$52,(I58+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(I58<=$AQ$53,(I58+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(I58<=$AQ$54,(I58+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(I58<=$AS$44,(I58+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(I58>$AS$44,(I58+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))\"."]
[null,null,10.1,"o","2021-03-16","D13131","S Greig","Calculation!G61,64,67,70,73,76,79,82","Copied from G58 to the other cells."]
[null,null,10.1,"o","2021-03-16","D13131","S Greig","Calculation!G61","Replaced references for $AK$44 to $AK$45, $AM$44 to $AM$45 and $AS$44 to $AS$45."]
[null,null,10.1,"o","2021-03-16","D13131","S Greig","Calculation!K57:K83, O57:O83, S57:S83","Copied G57:G83 to the other cells."]
[null,null,10.1,"o","2021-03-16","D13131","S Greig","Calc2-4!G57:U83","Copied Calculation!G57:U83 to the other Calc sheets."]
[null,null,10.1,"q","2021-03-22","D13131","S Greig","Calculation!X57","Changed from \"=IF(G57>$AI$53,(G57-$AI$53)*$AK$54+$AM$53, IF(G57 > $AI$52,(G57-$AI$52)*$AK$53+$AM$52, IF(G57>$AI$51,(G57-$AI$51)*$AK$52+$AM$51,IF(G57>0,G57*$AK$51,0))))\" to \"=IF(G57>$AI$54,(G57-$AI$54)*$AK$55+$AM$54,IF(G57>$AI$53,(G57-$AI$53)*$AK$54+$AM$53,IF(G57 > $AI$52,(G57-$AI$52)*$AK$53+$AM$52,IF(G57>$AI$51,(G57-$AI$51)*$AK$52+$AM$51,IF(G57>0,G57*$AK$51,0)))))\"."]
[null,null,10.1,"q","2021-03-22","D13131","S Greig","Calculation!Z-AD57","Copied and modified the formula from X57 as main table is every 4 and rates are only every 2."]
[null,null,10.1,"q","2021-03-22","D13131","S Greig","Calculation!B57:AE81","Added light grey shading to highlight the first row for each income."]
[null,null,10.1,"q","2021-03-22","D13131","S Greig","Calculation!X60:X81","Copied from X67 to every 3rd on in the column range."]
[null,null,10.1,"q","2021-03-22","D13131","S Greig","Calculation!Z60:Z81","Copied from Z67 to every 3rd on in the column range."]
[null,null,10.1,"q","2021-03-22","D13131","S Greig","Calculation!AB60:AB81","Copied from AB67 to every 3rd on in the column range."]
[null,null,10.1,"q","2021-03-22","D13131","S Greig","Calculation!AD60:AD81","Copied from AD67 to every 3rd on in the column range."]
[null,null,10.1,"q","2021-03-22","D13131","S Greig","Calc2-4!X57:AE83","Copied Calculation!X57:AE83 to the other Calc sheets."]
[null,null,10.199999999999999,"a","2021-03-22","D13131","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 10.2\". "]
[null,null,10.199999999999999,"b","2021-03-22","D13131","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.199999999999999,"c","2021-03-22","D13131","S Greig","Module1","Changed BrokerVersion to True."]
[null,null,10.199999999999999,"c","2021-03-22","D13131","S Greig","NSR Calculator!L4","Changed version to \"Broker 10.2\". "]
[null,null,10.199999999999999,"d","2021-03-22","D13131","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.199999999999999,"e","2021-04-15","D13173","S Greig","ThieWorkbook:Workbook_Open","Do not set directory for the broker version."]
[null,null,10.3,"a","2021-04-15","D13173","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 10.3\". "]
[null,null,10.3,"b","2021-04-15","D13173","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name before setting Module1 LockedVersion to True and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.3,"c","2021-04-15","D13173","S Greig","Module1","Changed BrokerVersion to True."]
[null,null,10.3,"c","2021-04-15","D13173","S Greig","NSR Calculator!L4","Changed version to \"Broker 10.3\". "]
[null,null,10.3,"d","2021-04-15","D13173","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.3,"e","2021-04-20","D13173","S Greig","NSR Calculator!Button 275","Added an Update button for the Broker version as they cannot handle the timer."]
[null,null,10.3,"e","2021-04-20","D13173","S Greig","ThisWorkbook::Workbook_Open","Broker Version does not start the timer."]
[null,null,10.3,"e","2021-04-20","D13173","S Greig","Sheet7::CheckBox_Click","Broker Version does not start the timer."]
[null,null,10.3,"e","2021-04-20","D13173","S Greig","Sheet7::Worksheet_Change","Broker Version does not start the timer."]
[null,null,10.3,"e","2021-04-20","D13173","S Greig","Module1::AutoEventMethod","Broker Version does not start the timer."]
[null,null,10.3,"f","2021-04-20","D13173","S Greig","Sheet7::Hide_Update","Method to Hide the Update Button."]
[null,null,10.3,"g","2021-04-20","D13173","S Greig","ThisWorkbook::Workbook_Open","Non-broker Locked version hides the Update button. Once the button is hidden and saved, it is hard to see again."]
[null,null,10.3,"g","2021-04-20","D13173","S Greig","NSR Calculator!Button 275","Moved the Update button below and made it the same size as the others. Once hidden it was hard to find."]
[null,null,10.3,"g","2021-04-20","D13173","S Greig","Sheet7::Update_Click","Process scenario."]
[null,null,10.3,"g","2021-04-20","D13173","S Greig","NSR Calculator!Button 275","Assign macro to Update_Click."]
[null,null,10.4,"a","2021-04-20","D13131","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 10.4\". "]
[null,null,10.4,"a","2021-04-21","D13131","S Greig","Sheet7::Update_Click","Added extra Update code so the Update button can be shown for non-Broker versions."]
[null,null,10.4,"b","2021-04-21","D13131","S Greig","NSR Calculator!L4","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.4,"b","2021-04-21","D13131","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,10.4,"b","2021-04-21","D13131","S Greig","NSR Calculator!L4","Changed version to \"Version 10.4\". "]
[null,null,10.4,"b","2021-04-21","D13131","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.4,"c","2021-04-21","D13131","S Greig","NSR Calculator!H1705L4","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.4,"c","2021-04-21","D13131","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.4,"c","2021-04-21","D13131","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,10.4,"c","2021-04-21","D13131","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 10.4\". "]
[null,null,10.4,"c","2021-04-21","D13131","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.4,"d","2021-04-21","D13131","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.4,"f","2021-06-29","D13220","S Greig","Calc2-4!AH94:AK100","Cleared cells."]
[null,null,10.4,"f","2021-06-29","D13220","S Greig","Calc2-4!B225:M245","Cleared cells."]
[null,null,10.4,"g","2021-06-29","D13220","S Greig","Calc2-4!B211:S221","Cleared cells."]
[null,null,10.4,"g","2021-06-29","D13220","S Greig","Calculation!AL94","Changed from \"\" to \"WHL\" and made bold."]
[null,null,10.4,"g","2021-06-29","D13220","S Greig","Calculation!AL95","Copied AK95 to AL95 to get formatting correct."]
[null,null,10.4,"g","2021-06-29","D13220","S Greig","Calculation!AL95","Changed from \"0.0300\" to \"0.0380\"."]
[null,null,10.4,"g","2021-06-29","D13220","S Greig","Calculation!H228","Changed from \"\" to \"=@IF(AND($H$15,B228=1),$AL$95,INDEX($AH$95:$AK$101,B228,4))\" and made 4 decimal places."]
[null,null,10.4,"g","2021-06-29","D13220","S Greig","Calculation!H230","Copied H228 to H230."]
[null,null,10.4,"g","2021-06-29","D13220","S Greig","Calculation!I228","Changed from \"=IF(K228,@INDEX($AH$95:$AK$101,B228,4)*G228,0)\" to \"=IF(K228,H228*G228,0)\"."]
[null,null,10.4,"g","2021-06-29","D13220","S Greig","Calculation!I230","Changed from \"=IF(K230,@INDEX($AH$95:$AK$101,B230,4)*G230,0)\" to \"=IF(K230,H230*G230,0)\"."]
[null,null,10.4,"g","2021-06-29","D13220","S Greig","Sheet7::AutomaticSettings","Changed so always ticked for Credit Cards."]
[null,null,10.4,"h","2021-06-29","D13220","S Greig","Calculator Parameters!C42","Changed from 4.54% to 2.75%."]
[null,null,10.4,"h","2021-06-29","D13220","S Greig","Calculator Parameters!C43","Changed from 1.50% to 2.50%."]
[null,null,10.4,"h","2021-06-29","D13220","S Greig","Calculator Parameters!C15","Changed from 75% to 35%."]
[null,null,10.4,"h","2021-06-29","D13220","S Greig","Calculator Parameters!D15","Changed from \"\" to \"Explain how\"."]
[null,null,10.4,"i","2021-06-29","D13220","S Greig","NSR Calculator!C88","Changed the Data-Data Validation and removed \"- Rates\"."]
[null,null,10.4,"i","2021-06-29","D13220","S Greig","NSR Calculator!I88","Changed the Data-Data Validation to be similar to C88 with a lot more information. Info is limited to 262 characters."]
[null,null,10.4,"j","2021-06-30","D13220","S Greig","Calculator Parameters!C15","Changed from 35% to 75%."]
[null,null,10.4,"j","2021-06-30","D13220","S Greig","Calculator Parameters!C15","Changed from \"Explain how\" to \"\"."]
[null,null,10.4,"j","2021-06-30","D13220","S Greig","NSR Calculator!I88","Changed the Data-Data Validation to be less than 262 characters."]
[null,null,10.4,"k","2021-07-01","D13220","S Greig","Calculation!AH39:AH41","Cleared cells. Superannuation \"Fixed Amount\" and \"Percentage of Income\" options."]
[null,null,10.4,"k","2021-07-01","D13220","S Greig","Calc2-4!AH39:AH41","Cleared cells. Superannuation \"Fixed Amount\" and \"Percentage of Income\" options."]
[null,null,10.4,"k","2021-07-01","D13220","S Greig","Calculation!C93:U93","Cleared cells. Superannuation contribution rate."]
[null,null,10.4,"k","2021-07-01","D13220","S Greig","Calc2-4!C93:U93","Cleared cells. Superannuation contribution rate."]
[null,null,10.4,"k","2021-07-01","D13220","S Greig","Calculation!I95,M95,Q95,U95","Changed from \"=I93+I91+I89\" to \"=I91+I89\"."]
[null,null,10.4,"k","2021-07-01","D13220","S Greig","Calc2-4!I95,M95,Q95,U95","Changed from \"=I93+I91+I89\" to \"=I91+I89\"."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Calculation!C51:U51","Cleared cells. Superannuation contribution rate."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Calc2-4!C51:U51","Cleared cells. Superannuation contribution rate."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Calculation!A53:AF53","Insert 20 lines shifting cells down."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Calc2-4!A53:AF53","Insert 20 lines shifting cells down."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Calculation!AG71:BK71","Insert 34 lines shifting cells down."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Calc2-4!AG71:BK71","Insert 34 lines shifting cells down."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Calculation!A104:BK104","Insert 12 lines shifting cells down."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Calc2-4!A104:BK104","Insert 12 lines shifting cells down."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Module1:ResetForm_ClearContents","Do not reset superannuation cell to index 1. (4)"]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Module1:ClearHouseholds ","Do not reset superannuation cell to index 1. (12)"]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Module1:ResetForm_ClearContents","Change addresses for Rental index resets."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Module1:ClearHouseholds ","Change addresses for Rental index resets."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Module1:ResetForm_ClearContents","Change addresses for Existing SBS and other types of loans index resets."]
[null,null,10.4,"l","2021-07-02","D13220","S Greig","Module1:ResetForm_ClearContents","Change addresses for Include in NSR resets."]
[null,null,10.4,"m","2021-07-02","D13220","S Greig","Sheet7:ScenarioUpdate","Updated cell references as cells have moved down."]
[null,null,10.4,"m","2021-07-02","D13220","S Greig","ThisWorkbook:Workbook_Open","Updated cell references as cells have moved down."]
[null,null,10.4,"o","2021-07-02","D13220","S Greig","Calculation!G51,K51,O51,S51","Clear cells. Had 1 in them."]
[null,null,10.4,"o","2021-07-02","D13220","S Greig","Calc2-4!G51,K51,O51,S51","Clear cells. Had 1 in them."]
[null,null,10.4,"o","2021-07-02","D13220","S Greig","Calculation!G:112,124,130,132,134,141","Clear cells. Had 1 in them."]
[null,null,10.4,"o","2021-07-02","D13220","S Greig","Calculation!G:143,147,149,153,155,161","Clear cells. Had 1 in them."]
[null,null,10.4,"o","2021-07-02","D13220","S Greig","Calc2-4!G:112,124,130,132,134,141","Clear cells. Had 1 in them."]
[null,null,10.4,"o","2021-07-02","D13220","S Greig","Calc2-4!G:143,147,149,153,155,161","Clear cells. Had 1 in them."]
[null,null,10.4,"p","2021-07-06","D13220","S Greig","Calculation!AD73:104","Insert and shift cells right."]
[null,null,10.4,"p","2021-07-06","D13220","S Greig","Calculation!AB73:104","Insert and shift cells right."]
[null,null,10.4,"p","2021-07-06","D13220","S Greig","Calculation!Z73:104","Insert and shift cells right."]
[null,null,10.4,"p","2021-07-06","D13220","S Greig","Calc2-4!AD73:104","Insert and shift cells right."]
[null,null,10.4,"p","2021-07-06","D13220","S Greig","Calc2-4!AB73:104","Insert and shift cells right."]
[null,null,10.4,"p","2021-07-06","D13220","S Greig","Calc2-4!Z73:104","Insert and shift cells right."]
[null,null,10.4,"q","2021-07-07","D13220","S Greig","Calculation!Z75,AD75,AH75,AL75","Changed to \"SL\" 1-4 for Student Loan heading."]
[null,null,10.4,"q","2021-07-07","D13220","S Greig","Calculation!AA75,AG75,AI75,AM75","Changed to \"KS\" 1-4 for Kiwi Saver heading."]
[null,null,10.4,"q","2021-07-07","D13220","S Greig","Calc2-4!X75:AM75","Copied Calculation!X75:AM75 to Calc2-4."]
[null,null,10.4,"q","2021-07-07","D13220","S Greig","Calculation!AL77:AM101","Set the background grey colours."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!Z77","Changed from \"\" to \"=IF($H$47=$AH$30,IF(G77>$AK$30,(G77-$AK$30)*$AL$30,0),0)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!Z78","Changed from \"\" to \"=IF($H$47=$AH$30,IF(G78>$AK$30,(G78-$AK$30)*$AL$30,0),0)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!Z79","Changed from \"\" to \"=MAX(Z77:Z78)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!Z80:103","Copied Calculation!Z77:Z79 down column 3 at a time."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AD77","Changed from \"\" to \"=IF($L$47=$AH$30,IF(K77>$AK$30,(K77-$AK$30)*$AL$30,0),0)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AD78","Changed from \"\" to \"=IF($L$47=$AH$30,IF(K78>$AK$30,(K78-$AK$30)*$AL$30,0),0)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AD79","Changed from \"\" to \"=MAX(AD77:AD78)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AD80:103","Copied Calculation!AD77:AD79 down column 3 at a time."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AH77","Changed from \"\" to \"=IF($P$47=$AH$30,IF(O77>$AK$30,(O77-$AK$30)*$AL$30,0),0)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AH78","Changed from \"\" to \"=IF($P$47=$AH$30,IF(O78>$AK$30,(O78-$AK$30)*$AL$30,0),0)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AH79","Changed from \"\" to \"=MAX(AH77:AH78)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AH80:103","Copied Calculation!AH77:AH79 down column 3 at a time."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AL77","Changed from \"\" to \"=IF($T$47=$AH$30,IF(S77>$AK$30,(S77-$AK$30)*$AL$30,0),0)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AL78","Changed from \"\" to \"=IF($T$47=$AH$30,IF(S78>$AK$30,(S78-$AK$30)*$AL$30,0),0)\"."]
[null,null,10.4,"r","2021-07-07","D13220","S Greig","Calculation!AL79","Changed from \"\" to \"=MAX(AL77:AL78)\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AL80:103","Copied Calculation!AL77:AL79 down column 3 at a time."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AA77","Changed from \"\" to \"=IF($H$49=$AH$33,0,IF(ISNUMBER($H$49),$H$49,$I$49/100))*G77\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AA78","Changed from \"\" to \"=IF($H$49=$AH$33,0,IF(ISNUMBER($H$49),$H$49,$I$49/100))*G78\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AA79","Changed from \"\" to \"=MAX(AA77:AA78)\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AA80:103","Copied Calculation!AA77:AA79 down column 3 at a time."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AE77","Changed from \"\" to \"=IF($L$49=$AH$33,0,IF(ISNUMBER($L$49),$L$49,$M$49/100))*K77\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AE78","Changed from \"\" to \"=IF($L$49=$AH$33,0,IF(ISNUMBER($L$49),$L$49,$M$49/100))*K78\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AE79","Changed from \"\" to \"=MAX(AE77:AE78)\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AE80:103","Copied Calculation!AE77:AE79 down column 3 at a time."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AI77","Changed from \"\" to \"=IF($P$49=$AH$33,0,IF(ISNUMBER($P$49),$P$49,$Q$49/100))*O77\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AI78","Changed from \"\" to \"=IF($P$49=$AH$33,0,IF(ISNUMBER($P$49),$P$49,$Q$49/100))*O78\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AI79","Changed from \"\" to \"=MAX(AI77:AI78)\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AI80:103","Copied Calculation!AI77:AI79 down column 3 at a time."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AM77","Changed from \"\" to \"=IF($T$49=$AH$33,0,IF(ISNUMBER($T$49),$T$49,$U$49/100))*S77\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AM78","Changed from \"\" to \"=IF($T$49=$AH$33,0,IF(ISNUMBER($T$49),$T$49,$U$49/100))*S78\"."]
[null,null,10.4,"s","2021-07-07","D13220","S Greig","Calculation!AM79","Changed from \"\" to \"=MAX(AM77:AM78)\"."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!AM80:103","Copied Calculation!AM77:AM79 down column 3 at a time."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!H77","Changed from \"=X77+Y77\" to \"=X77+Y77+Z77+AA77\"."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!H78","Changed from \"=X78+Y78\" to \"=X78+Y78+Z78+AA78\"."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!H80:103","Copied Calculation!H77:H79 down column 3 at a time."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!L77","Changed from \"=AB77+AC77\" to \"=AB77+AC77+AD77+AE77\"."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!L78","Changed from \"=AB78+AC78\" to \"=AB78+AC78+AD78+AE78\"."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!L80:103","Copied Calculation!L77:L79 down column 3 at a time."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!P77","Changed from \"=AF77+AG77\" to \"=AF77+AG77+AH77+AI77\"."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!P78","Changed from \"=AF78+AG78\" to \"=AF78+AG78+AH78+AI78\"."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!P80:103","Copied Calculation!P77:P79 down column 3 at a time."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!T77","Changed from \"=AJ77+AK77\" to \"=AJ77+AK77+AL77+AM77\"."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!T78","Changed from \"=AJ78+AK78\" to \"=AJ78+AK78+AL78+AM78\"."]
[null,null,10.4,"s","2021-07-08","D13220","S Greig","Calculation!T80:103","Copied Calculation!T77:T79 down column 3 at a time."]
[null,null,10.4,"t","2021-07-08","D13220","S Greig","Calculation!H75,L75,P75,T75","Changed from \"Tax & ACC\" to \"TaxAccSLKS\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!X123","Changed from \"=(I123+M123+Q123+U123)/12\" to \"=(AA103+AE103+AI103+AM103)/12\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!X118","Changed from \"\" to \"=X103\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!AG118:BI118","Insert 20 rows shifting down."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calc2-4!AG118:BI118","Insert 20 rows shifting down."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!Y118:AM118","Dragged Calculation!X118 across to AM118."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!X123","Changed from \"=(AA103+AE103+AI103+AM103)/12\" to \"=(AA118+AE118+AI118+AM118)/12\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!I121","Changed from \"=IF(H47=$AH$30,IF(G118>$AK$30,(G118-$AK$30)*$AL$30),0)\" to \"=Z118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!M121","Changed from \"=IF(L47=$AH$30,IF(K118>$AK$30,(K118-$AK$30)*$AL$30),0)\" to \"=AD118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!Q121","Changed from \"=IF(P47=$AH$30,IF(O118>$AK$30,(O118-$AK$30)*$AL$30),0)\" to \"=AH118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!U121","Changed from \"=IF(T47=$AH$30,IF(S118>$AK$30,(S118-$AK$30)*$AL$30),0)\" to \"=AL118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!I123","Changed from \"=IF(H49=\"No\",0,IF(ISNUMBER(H49),H49,I49/100))*G118\" to \"=AA118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!M123","Changed from \"=IF(L49=\"No\",0,IF(ISNUMBER(L49),L49,M49/100))*K118\" to \"=AE118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!Q123","Changed from \"=IF(P49=\"No\",0,IF(ISNUMBER(P49),P49,Q49/100))*O118\" to \"=AI118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!U123","Changed from \"=IF(T49=\"No\",0,IF(ISNUMBER(T49),T49,U49/100))*S118\" to \"=AM118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!X123","Changed from \"=(AA118+AE118+AI118+AM118)/12\" to \"=(I123+M123+Q123+U123)/12\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!I129","Changed from \"=I118-I127\" to \"=I118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!M129","Changed from \"=M118-M127\" to \"=M118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!Q129","Changed from \"=Q118-Q127\" to \"=Q118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!U129","Changed from \"=U118-U127\" to \"=U118\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!I133","Changed from \"=I131-I127\" to \"=I79*$AP$9+(I82-I79)*$AP$12+(I91-I82)*$AP$10+(I94-I91)*$AP$11+(I97-I94)*$AP$10+(I100-I97)*$AP$13+(I103-I100)*$AP$12\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!M133","Changed from \"=M131-M127\" to \"=M79*$AP$9+(M82-M79)*$AP$12+(M91-M82)*$AP$10+(M94-M91)*$AP$11+(M97-M94)*$AP$10+(M100-M97)*$AP$13+(M103-M100)*$AP$12\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!Q133","Changed from \"=Q131-Q127\" to \"=Q79*$AP$9+(Q82-Q79)*$AP$12+(Q91-Q82)*$AP$10+(Q94-Q91)*$AP$11+(Q97-Q94)*$AP$10+(Q100-Q97)*$AP$13+(Q103-Q100)*$AP$12\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!U133","Changed from \"=U131-U127\" to \"=U79*$AP$9+(U82-U79)*$AP$12+(U91-U82)*$AP$10+(U94-U91)*$AP$11+(U97-U94)*$AP$10+(U100-U97)*$AP$13+(U103-U100)*$AP$12\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!I131","Changed from \"=I79*$AP$9+(I82-I79)*$AP$12+(I91-I82)*$AP$10+(I94-I91)*$AP$11+(I97-I94)*$AP$10+(I100-I97)*$AP$13+(I103-I100)*$AP$12\" to \"=I133+I127\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!M131","Changed from \"=M79*$AP$9+(M82-M79)*$AP$12+(M91-M82)*$AP$10+(M94-M91)*$AP$11+(M97-M94)*$AP$10+(M100-M97)*$AP$13+(M103-M100)*$AP$12\" to \"=M133+M127\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!Q131","Changed from \"=Q79*$AP$9+(Q82-Q79)*$AP$12+(Q91-Q82)*$AP$10+(Q94-Q91)*$AP$11+(Q97-Q94)*$AP$10+(Q100-Q97)*$AP$13+(Q103-Q100)*$AP$12\" to \"=Q133+Q127\"."]
[null,null,10.4,"t","2021-07-19","D13220","S Greig","Calculation!U131","Changed from \"=U79*$AP$9+(U82-U79)*$AP$12+(U91-U82)*$AP$10+(U94-U91)*$AP$11+(U97-U94)*$AP$10+(U100-U97)*$AP$13+(U103-U100)*$AP$12\" to \"=U133+U127\"."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","Sheet7::ScenarioUpdate","Updated Sheet31 references for adding rows past AG118."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","NSR Calculator!D55","Changed from \"=Calculation!$I$118\" to \"=Calculation!$I$131\"."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","NSR Calculator!G55","Changed from \"=Calculation!$M$118\" to \"=Calculation!$M$131\"."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","NSR Calculator!J55","Changed from \"=Calculation!$Q$118\" to \"=Calculation!$Q$131\"."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","NSR Calculator!M55","Changed from \"=Calculation!$U$118\" to \"=Calculation!$U$131\"."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","NSR Calculator!Q55","Changed from \"=Calc2!$I$118\" to \"=Calc2!$I$131\"."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","NSR Calculator!T55","Changed from \"=Calc2!$M$118\" to \"=Calc2!$M$131\"."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","NSR Calculator!X55","Changed from \"=Calc3!$I$118\" to \"=Calc3!$I$131\"."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","NSR Calculator!AA55","Changed from \"=Calc3!$M$118\" to \"=Calc3!$M$131\"."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","NSR Calculator!AE55","Changed from \"=Calc4!$I$118\" to \"=Calc4!$I$131\"."]
[null,null,10.4,"t","2021-07-20","D13220","S Greig","NSR Calculator!AH55","Changed from \"=Calc4!$M$118\" to \"=Calc4!$M$131\"."]
[null,null,10.4,"u","2021-07-20","D13220","S Greig","Calc2-4!A72:BI136","Copied NSR Calculator!A72:BI136 to sheets Calc2-4."]
[null,null,10.5,"a","2021-07-20","D13220","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 10.5\". "]
[null,null,10.5,"b","2021-07-20","D13220","S Greig","NSR Calculator!L4","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.5,"b","2021-07-20","D13220","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,10.5,"b","2021-07-20","D13220","S Greig","NSR Calculator!L4","Changed version to \"Version 10.5\". "]
[null,null,10.5,"b","2021-07-20","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.5,"c","2021-07-20","D13220","S Greig","NSR Calculator!L4","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.5,"c","2021-07-20","D13220","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.5,"c","2021-07-20","D13220","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,10.5,"c","2021-07-20","D13220","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 10.5\". "]
[null,null,10.5,"c","2021-07-20","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.5,"d","2021-07-20","D13220","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.5,"d","2021-07-20","D13220","S Greig","NSR Calculator!J87","Updated the help wording to include rates."]
[null,null,10.5,"d","2021-07-20","D13220","S Greig","NSR Calculator!I88","Data Validation made some words uppcase at start."]
[null,null,10.5,"e","2021-07-21","D13220","S Greig","NSR Calculator!J87:N90","Changed merged cells from J87:N90 to J87:N91"]
[null,null,10.5,"e","2021-07-21","D13220","S Greig","Calculation!AK161","Changed from \"0.0300\" to \"0.0380\"."]
[null,null,10.5,"e","2021-07-21","D13220","S Greig","Calculation!AL161","Changed from \"0.0380\" to \"0.0300\"."]
[null,null,10.6,"a","2021-07-21","D13220","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 10.6\". "]
[null,null,10.6,"b","2021-07-21","D13220","S Greig","NSR Calculator!L4","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.6,"b","2021-07-21","D13220","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,10.6,"b","2021-07-21","D13220","S Greig","NSR Calculator!L4","Changed version to \"Version 10.6\". "]
[null,null,10.6,"b","2021-07-21","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.6,"c","2021-07-21","D13220","S Greig","NSR Calculator!L4","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.6,"c","2021-07-21","D13220","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.6,"c","2021-07-21","D13220","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,10.6,"c","2021-07-21","D13220","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 10.6\". "]
[null,null,10.6,"c","2021-07-21","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","NSR Calculator!D55","Changed from \"=Calculation!$I$131\" to \"=Calculation!$I$118\"."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","NSR Calculator!G55","Changed from \"=Calculation!$M$131\" to \"=Calculation!$M$118\"."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","NSR Calculator!J55","Changed from \"=Calculation!$Q$131\" to \"=Calculation!$Q$118\"."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","NSR Calculator!M55","Changed from \"=Calculation!$U$131\" to \"=Calculation!$U$118\"."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","NSR Calculator!Q55","Changed from \"=Calc2!$I$131\" to \"=Calc2!$I$118\"."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","NSR Calculator!T55","Changed from \"=Calc2!$M$131\" to \"=Calc2!$M$118\"."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","NSR Calculator!X55","Changed from \"=Calc3!$I$131\" to \"=Calc3!$I$118\"."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","NSR Calculator!AA55","Changed from \"=Calc3!$M$131\" to \"=Calc33!$M$118\"."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","NSR Calculator!AE55","Changed from \"=Calc4!$I$131\" to \"=Calc4!$I$118\"."]
[null,null,10.6,"d","2021-07-21","D13220","S Greig","NSR Calculator!AH55","Changed from \"=Calc4!$M$131\" to \"=Calc4!$M$118\"."]
[null,null,10.7,"a","2021-07-21","D13220","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 10.7\". "]
[null,null,{"$f":"C1770","v":10.7},"b","2021-07-21","D13220","S Greig","NSR Calculator!L4","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C1771","v":10.7},"b","2021-07-21","D13220","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,10.7,"b","2021-07-21","D13220","S Greig","NSR Calculator!L4","Changed version to \"Version 10.7\". "]
[null,null,10.7,"b","2021-07-21","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.7,"c","2021-07-21","D13220","S Greig","NSR Calculator!L4","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.7,"c","2021-07-21","D13220","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.7,"c","2021-07-21","D13220","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,10.7,"c","2021-07-21","D13220","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 10.7\". "]
[null,null,10.7,"c","2021-07-21","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.7,"d","2021-07-21","D13220","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.7,"d","2021-07-22","D13220","S Greig","Calc2-4!X123","Changed from \"=(I123+M123+Q123+U123)/12\" to \"\"."]
[null,null,10.7,"d","2021-07-22","D13220","S Greig","Calc2-4!Y123","Changed from \"Total monthly KiwiSaver deductions for FHL NSR\" to \"\"."]
[null,null,10.7,"d","2021-07-22","D13220","S Greig","Calculation!X123","Changed from \"=(I123+M123+Q123+U123)/12\" to \"\"."]
[null,null,10.7,"d","2021-07-22","D13220","S Greig","Calculation!Y123","Changed from \"Total monthly KiwiSaver deductions for FHL NSR\" to \"\"."]
[null,null,10.7,"d","2021-07-22","D13220","S Greig","Calculation!Y306","Changed from \"=X123\" to \"'-   \" and made it right align."]
[null,null,10.7,"d","2021-07-22","D13220","S Greig","Calculation!V306","Changed from \"Add back Kiwisaver\" to \"\"."]
[null,null,10.8,"a","2021-07-22","D13220","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 10.8\". "]
[null,null,{"$f":"C1787","v":10.8},"b","2021-07-22","D13220","S Greig","NSR Calculator!L4","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C1788","v":10.8},"b","2021-07-22","D13220","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,10.8,"b","2021-07-22","D13220","S Greig","NSR Calculator!L4","Changed version to \"Version 10.8\". "]
[null,null,10.8,"b","2021-07-22","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.8,"c","2021-07-22","D13220","S Greig","NSR Calculator!L4","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.8,"c","2021-07-22","D13220","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.8,"c","2021-07-22","D13220","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,10.8,"c","2021-07-22","D13220","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 10.8\". "]
[null,null,10.8,"c","2021-07-22","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.8,"d","2021-07-22","D13220","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.8,"e","2021-07-27","D13220","S Greig","NSR Calculator!64","Cut and Paste row 55 to row 64."]
[null,null,10.8,"e","2021-07-27","D13220","S Greig","NSR Calculator!63","Cut and Paste row 53 to row 63."]
[null,null,10.9,"a","2021-07-27","D13220","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 10.9\". "]
[null,null,{"$f":"C1800","v":10.9},"b","2021-07-27","D13220","S Greig","NSR Calculator!L4","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C1801","v":10.9},"b","2021-07-27","D13220","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,10.9,"b","2021-07-27","D13220","S Greig","NSR Calculator!L4","Changed version to \"Version 10.9\". "]
[null,null,10.9,"b","2021-07-27","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.9,"c","2021-07-27","D13220","S Greig","NSR Calculator!L4","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.9,"c","2021-07-27","D13220","S Greig","To create a Locked Version","Copy and remove \"_Unlocked\" from name and right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,10.9,"c","2021-07-27","D13220","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,10.9,"c","2021-07-27","D13220","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 10.9\". "]
[null,null,10.9,"c","2021-07-27","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,10.9,"d","2021-07-27","D13220","S Greig","Based on last unlocked version","Based the new version on the previously unlocked \"a\" version."]
[null,null,10.9,"d","2021-07-29","D13220","S Greig","Module1","Change row reference for clearing Kiwisaver. Was row 62 now row 60."]
[null,null,10.9,"d","2021-07-29","D13220","S Greig","NSR Calculator!D62,G62,J62,M62","Changed from \"\" to \"=Calculation!$I$127\". Repopulated Total Deductions as it was lost in move."]
[null,null,10.9,"d","2021-07-29","D13220","S Greig","NSR Calculator!Q62,T62","Changed from \"\" to \"=Calc2$I$127\"."]
[null,null,10.9,"d","2021-07-29","D13220","S Greig","NSR Calculator!X62,AA62","Changed from \"\" to \"=Calc3$I$127\"."]
[null,null,10.9,"d","2021-07-29","D13220","S Greig","NSR Calculator!AE62,AH62","Changed from \"\" to \"=Calc42$I$127\"."]
[null,null,10.9,"e","2021-07-29","D13220","S Greig","NSR Calculator!53-55","Shrunk row height to hide information. Just for checking the what it looks like."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Reset version back to 10.9d","For more changes."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!F79","Changed from \"\" to \"=G79-Z79-AA79\". Gross income less SL and KS."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!F83","Changed from \"\" to \"=G82-Z82-AA82\". Down one because desired cell is being used."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!F91","Changed from \"\" to \"=G91-Z91-AA91\"."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!F94","Changed from \"\" to \"=G94-Z94-AA94\"."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!F97","Changed from \"\" to \"=G97-Z97-AA97\"."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!F100","Changed from \"\" to \"=G100-Z100-AA100\"."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!F103","Changed from \"\" to \"=G103-Z103-AA103\"."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!G131","Changed from \"=G79*$AP$9+(G82-G79)*$AP$12+(G91-G82)*$AP$10+(G94-G91)*$AP$11+(G97-G94)*$AP$10+(G100-G97)*$AP$13+(G103-G100)*$AP$12\" to \"=F79*$AP$9+(F83-F79)*$AP$12+(F91-F83)*$AP$10+(F94-F91)*$AP$11+(F97-F94)*$AP$10+(F100-F97)*$AP$13+(F103-F100)*$AP$12\"."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!J79,N79,R79","Copied F79 to these cells and checked dependancies."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!J83:J103","Copied F83:F103 to these cells."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!N83:N103","Copied F83:F103 to these cells."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!R83:R103","Copied F83:F103 to these cells."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!K131","Copied G131 to this cell and checked dependancies."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!O131","Copied G131 to this cell and checked dependancies."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calculation!S131","Copied G131 to this cell and checked dependancies."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calc2-4!F79:R103","Copied Calculation!F79:R103 to the other sheets."]
[null,null,10.9,"f","2021-07-29","D13220","S Greig","Calc2-4!G131:S131","Copied Calculation!G131:S131 to the other sheets."]
[null,null,10.9,"g","2021-07-29","D13220","S Greig","Calculation!Q136","Changed from \"=(G131+K131+O131+S131)-(I127+M127+Q127+U127)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J167+J168\" to \"=(G131+K131+O131+S131)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J167+J168\"."]
[null,null,10.9,"g","2021-07-29","D13220","S Greig","Calc2-4!Q136","Copied Calculation!Q136 to the other sheets."]
[null,null,10.9,"i","2021-08-02","D13220","S Greig","Calc2!Q135","Changed from \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+$J$165+$J$166\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!Q66:T66)+SUM('NSR Calculator'!Q68:T68)+$J$165+$J$166\"."]
[null,null,10.9,"i","2021-08-02","D13220","S Greig","Calc3!Q135","Changed from \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+$J$165+$J$166\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!X66:AA66)+SUM('NSR Calculator'!X68:AA68)+$J$165+$J$166\"."]
[null,null,10.9,"i","2021-08-02","D13220","S Greig","Calc4!Q135","Changed from \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+$J$165+$J$166\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!AE66:AH66)+SUM('NSR Calculator'!AE68:AH68)+$J$165+$J$166\"."]
[null,null,10.9,"i","2021-08-02","D13220","S Greig","Calc2!Q136","Changed from  \"=(G131+K131+O131+S131)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J167+J168\" to \"=(G131+K131+O131+S131)+SUM('NSR Calculator'!Q66:T66)+SUM('NSR Calculator'!Q68:T68)+J167+J168\"."]
[null,null,10.9,"i","2021-08-02","D13220","S Greig","Calc3!Q136","Changed from \"=(G131+K131+O131+S131)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J167+J168\" to \"=(G131+K131+O131+S131)+SUM('NSR Calculator'!X66:AA66)+SUM('NSR Calculator'!X68:AA68)+J167+J168\"."]
[null,null,10.9,"i","2021-08-02","D13220","S Greig","Calc4!Q136","Changed from \"=(G131+K131+O131+S131)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J167+J168\" to \"=(G131+K131+O131+S131)+SUM('NSR Calculator'!AE66:AH66)+SUM('NSR Calculator'!AE68:AH68)+J167+J168\"."]
[null,null,10.9,"k","2021-08-02","D13220","S Greig","Sheet7::ScenarioUpdate","Changed \"vIncome = (Sheet31.Range(\"Y305\").Value + Sheet31.Range(\"Y306\").Value) * 12\" to \"vIncome = Sheet31.Range(\"Y305\").Value * 12\" as there is no more Kiwisaver add back."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!H260","Changed from \"=@IF(AND($H$15,B260=1),$AL$161,INDEX($AH$161:$AK$167,B260,4))\" to \"=@IF(AND($H$15,B260=1,$J$282>0),$AL$161,INDEX($AH$161:$AK$167,B260,4))\"."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!H262","Changed from \"=@IF(AND($H$15,B262=1),$AL$161,INDEX($AH$161:$AK$167,B262,4))\" to \"=@IF(AND($H$15,B262=1,$J$282>0),$AL$161,INDEX($AH$161:$AK$167,B262,4))\"."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!J262","Changed from \"='NSR Calculator'!J43*12\" to \"\"."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!J260","Changed from \"\" to \"=@IF(AND($H$15,B260=1,$J$282>0),$AL$161,INDEX($AH$161:$AK$167,B260,4))\"."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!J262","Changed from \"\" to \"=@IF(AND($H$15,B262=1,$J$282>0),$AL$161,INDEX($AH$161:$AK$167,B262,4))\"."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!H260","Changed from \"=@IF(AND($H$15,B260=1,$J$282>0),$AL$161,INDEX($AH$161:$AK$167,B260,4))\" to \"=@INDEX($AH$161:$AK$167,B260,4)\". This is SBS."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!H262","Changed from \"=@IF(AND($H$15,B262=1,$J$282>0),$AL$161,INDEX($AH$161:$AK$167,B262,4))\" to \"=@INDEX($AH$161:$AK$167,B260,4)\"."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!J260","Changed from \"=@IF(AND($H$15,B260=1,$J$282>0),$AL$161,INDEX($AH$161:$AK$167,B260,4))\" to \"=@IF(B260=1,$AL$161,INDEX($AH$161:$AK$167,B260,4))\"."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!J262","Changed from \"=@IF(AND($H$15,B262=1,$J$282>0),$AL$161,INDEX($AH$161:$AK$167,B262,4))\" to \"\"."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!J258","Changed from \"\" to \"FHL\" and centered bold. Right align the cell to the right."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!J275","Changed from \"\" to \"=J261+J263\"."]
[null,null,{"$f":"C1854","v":10.9},"n","2021-08-03","D13220","S Greig","Calculation!J277","Changed from \"\" to \"=J275\"."]
[null,null,{"$f":"C1855","v":10.9},"n","2021-08-03","D13220","S Greig","Calculation!J317","Changed from \"\" to \"=J277\"."]
[null,null,10.9,"n","2021-08-03","D13220","S Greig","Calculation!Y299","Changed from \"=I303+I309+I315+I317\" to \"=I303+I309+I315+J317\"."]
[null,null,10.9,"o","2021-08-03","D13220","S Greig","Calculation!J136","Changed from \"\" to \"FHL\". Centered and bold."]
[null,null,10.9,"p","2021-08-05","D13220","S Greig","Calculation!J262","Changed from \"='NSR Calculator'!J43*12\" to \"=@IF(B262=1,$AL$161,INDEX($AH$161:$AK$167,B262,4))\"."]
[null,null,10.9,"p","2021-08-05","D13220","S Greig","ThisWorkbook::Workbook_Open","Removed \"Sheet31.Range(\"J262\").FormulaR1C1 = \"='NSR Calculator'!R[-219]C[0]*12\" from code. It was putting the entered term randomly in a cell over the years."]
[null,null,10.9,"q","2021-08-05","D13220","S Greig","Calculation!B198:B215,B217:B218","Removed the \"1\" from the cells."]
[null,null,10.9,"q","2021-08-05","D13220","S Greig","Calculation!B222:B230,B233,B236","Removed the \"1\" from the cells."]
[null,null,10.9,"q","2021-08-05","D13220","S Greig","Calculation!B238:B245,B247:B248","Removed the \"1\" from the cells."]
[null,null,10.9,"q","2021-08-05","D13220","S Greig","Calculation!B250:B259,B261","Removed the \"1\" from the cells."]
[null,null,10.9,"q","2021-08-05","D13220","S Greig","Calculation!H262","Changed from \"=@INDEX($AH$161:$AK$167,B260,4)\" to \"=@INDEX($AH$161:$AK$167,B262,4)\"."]
[null,null,10.9,"r","2021-08-09","D13220","S Greig","NSR Calculator!B52","Changed from \"Total Net Annual Income\" to \"Total Gross Income\"."]
[null,null,10.9,{"$f":"D1866","v":"r"},"2021-08-09","D13220","S Greig","NSR Calculator!D52","Delete D52 and then copied D55 to B52 to get the cell formatting."]
[null,null,10.9,{"$f":"D1867","v":"r"},{"$f":"E1867","v":"2021-08-09"},{"$f":"F1867","v":"D13220"},{"$f":"G1867","v":"S Greig"},"NSR Calculator!D52","Changed from \"=Calculation!$I$131\" to \"=Calculation!$G$118\"."]
[null,null,10.9,"r",{"$f":"E1868","v":"2021-08-09"},{"$f":"F1868","v":"D13220"},{"$f":"G1868","v":"S Greig"},"NSR Calculator!K52,O52,S52","Change above applied to other applicants for the same household."]
[null,null,10.9,"r","2021-08-09","D13220","S Greig","NSR Calculator!Q52-AH52","Change above applied to other households."]
[null,null,10.9,"s","2021-08-09","D13220","S Greig","NSR Calculator!B55","Changed from \"Total Eligible Net Income\" to \"\"."]
[null,null,{"$f":"C1871","v":10.9},{"$f":"D1871","v":"s"},{"$f":"E1871","v":"2021-08-09"},{"$f":"F1871","v":"D13220"},{"$f":"G1871","v":"S Greig"},"NSR Calculator!D55-AH55","Cleared the finance cells by pressing delete."]
[null,null,10.9,"s","2021-08-09","D13220","S Greig","NSR Calculator!B62","Changed from \"Total Deductions from Income at Source\" to \"Total Student Loan and Kiwisaver deductions\"."]
[null,null,10.9,"s","2021-08-09","D13220","S Greig","NSR Calculator!55","Change the row height to 3.75."]
[null,null,10.9,"t","2021-08-09","D13220","S Greig","NSR Calculator!63","Change the row height to 15.00."]
[null,null,10.9,"t","2021-08-09","D13220","S Greig","NSR Calculator!B63","Changed from \"\" to \"Net Income after Tax/ACC/Student Loan and Kiwisaver\"."]
[null,null,10.9,"t","2021-08-09","D13220","S Greig","NSR Calculator!D63","Manually copied format from D64 and changed from \"\" to \"=Calculation!$I$118\". It would not allow copy paste into these cells."]
[null,null,10.9,"t","2021-08-09","D13220","S Greig","NSR Calculator!G63:AH63","Manually copied the format to the financial cells cells based on D63."]
[null,null,10.9,"t","2021-08-09","D13220","S Greig","NSR Calculator!G63:AH63","Copied the formulas from row 64 to row 63 for the financial fields."]
[null,null,10.9,"u","2021-08-09","D13220","S Greig","NSR Calculator!B64","Changed from \"Total Net Income\" to \"Scaled Net Income\"."]
[null,null,10.9,"u","2021-08-09","D13220","S Greig","NSR Calculator!54-56","Changed the row heights from 3.75 to 1.5."]
[null,null,10.9,"u","2021-08-09","D13220","S Greig","NSR Calculator!63-64","Changed from 15.0 to 17.25."]
[null,null,10.9,"u","2021-08-09","D13220","S Greig","NSR Calculator!D64","Changed from \"=Calculation!$I$118\" to \"=Calculation!$I$133\"."]
[null,null,10.9,"u","2021-08-09","D13220","S Greig","NSR Calculator!G64:AH64","Made similar changed based on D64."]
[null,null,11,"a","2021-08-10","D13220","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 11.0\"and leave the focus on cell C9."]
[null,null,11,"b","2021-08-10","D13220","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,11,"b","2021-08-10","D13220","S Greig","NSR Calculator!L4","Changed version to \"Version 11.0\" and leave the focus on cell C9."]
[null,null,11,"b","2021-08-10","D13220","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,11,"b","2021-08-10","D13220","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,11,"b","2021-08-10","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,11,"c","2021-08-10","D13220","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,11,"c","2021-08-10","D13220","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 11.0\"and leave the focus on cell C9. "]
[null,null,11,"c","2021-08-10","D13220","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,11,"c","2021-08-10","D13220","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,11,"c","2021-08-10","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,11,"d","2021-08-10","D13220","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,11,"e","2021-08-16","D13220","S Greig","NSR Calculator!J87:N91","Changed wording from \"Other Expenses e.g. Council rates for owner occupied home, holiday home and bare land sections, Childcare, Child Support, Body Corp, Fines, Own rent/board payable, personal insurances (e.g. Life, Medical, Income Protection), Private education fees & costs and any other non-standard expense.\" to \"All Other Expenses e.g. Council rates for owner occupied home,    holiday home and bare land sections, all Education costs, Childcare, Child Support, Body Corp, Fines, Own rent/board payable, all insurances, and any other non-standard expense. Refer CPS 2.\"."]
[null,null,11,"f","2021-08-16","D13220","S Greig","NSR Calculator!I88","Changed the data validation from \n\"- Council rates for owner occupied home, holiday home, bare land\n- Childcare\n- Child Support \n- Body Corp \n- Fines \n- Own rent/board payable\n- Personal insurances (e.g. Life, Medical, Income Protection)\n- Private education costs \n- Non-standard expenses\"\n to \n\"- Council rates for owner occupied home, holiday home, bare land sections\n- all Education costs\n- Childcare\n- Child Support\n- Body Corp\n- Fines\n- Own rent/board payable\n- All insurances\n- Non-standard expense. Refer CPS 2\"."]
[null,null,11,"f","2021-08-16","D13220","S Greig","NSR Calculator!C88","Changed the data validation from \n\"Enter the customer stated amount for this expense in this cell. This includes:\n- House Insurance\n- Utilities\n- Vehicle expenses\n- Living expenses\n- Education expenses (excluding private)\"\n to \n\"Enter the customer stated amount for this expense in this cell. This includes:\n- Utilities\n- Vehicle expenses\n- Living expenses\"."]
[null,null,11.1,"a","2021-08-16","D13220","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 11.1\"and leave the focus on cell C9."]
[null,null,11.1,"b","2021-08-16","D13220","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,11.1,"b","2021-08-16","D13220","S Greig","NSR Calculator!L4","Changed version to \"Version 11.0\" and leave the focus on cell C9."]
[null,null,{"$f":"C1902","v":11.1},"b","2021-08-16","D13220","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,11.1,"b","2021-08-16","D13220","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,11.1,"b","2021-08-16","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,11.1,"c","2021-08-16","D13220","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,11.1,"c","2021-08-16","D13220","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 11.0\"and leave the focus on cell C9. "]
[null,null,11.1,"c","2021-08-16","D13220","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,11.1,"c","2021-08-16","D13220","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,11.1,"c","2021-08-16","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,11.1,"d","2021-08-16","D13220","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,11.1,"f","2021-08-25","D13220","S Greig","Calculation!H77","Changed from \"=X77+Y77+Z77+AA77\" to \"=X77+Y77\". So the deductions for net only include Tax and ACC Levy."]
[null,null,11.1,"f","2021-08-25","D13220","S Greig","Calculation!L78:L101","Made the same to the rest of the column."]
[null,null,11.1,"f","2021-08-25","D13220","S Greig","Calculation!P77:P101","Made the same to the other columns."]
[null,null,11.1,"f","2021-08-25","D13220","S Greig","Calculation!T77:T101","Made the same to the other columns."]
[null,null,11.1,"f","2021-08-25","D13220","S Greig","Calc2-4!H77:T101","Did the same change for the other households."]
[null,null,11.1,"g","2021-08-25","D13220","S Greig","Calculation!Calc2-4!H77:T101","Fixed cell shading so lines are obvious."]
[null,null,11.1,"h","2021-08-25","D13220","S Greig","Calculation!I129","Changed from \"=I118\" to \"=I118-I127\"."]
[null,null,11.1,"h","2021-08-25","D13220","S Greig","Calculation!I133","Changed from \"=I79*$AP$9+(I82-I79)*$AP$12+(I91-I82)*$AP$10+(I94-I91)*$AP$11+(I97-I94)*$AP$10+(I100-I97)*$AP$13+(I103-I100)*$AP$12\" to \"=I131-I127\"."]
[null,null,11.1,"h","2021-08-25","D13220","S Greig","Calculation!I131","Changed from \"=I133+I127\" to \"=I79*$AP$9+(I82-I79)*$AP$12+(I91-I82)*$AP$10+(I94-I91)*$AP$11+(I97-I94)*$AP$10+(I100-I97)*$AP$13+(I103-I100)*$AP$12\"."]
[null,null,11.1,"h","2021-08-25","D13220","S Greig","Calculation!M129:M133","Copied from I129:I133."]
[null,null,11.1,"h","2021-08-25","D13220","S Greig","Calculation!Q129:Q133","Copied from I129:I133."]
[null,null,11.1,"h","2021-08-25","D13220","S Greig","Calculation!U129:U133","Copied from I129:I133."]
[null,null,11.1,"h","2021-08-25","D13220","S Greig","Calc2-4!I129:U133","Copied from Calculation!I129:U133."]
[null,null,11.1,"i","2021-08-25","D13220","S Greig","Calculation!G131","Changed from \"=F79*$AP$9+(F83-F79)*$AP$12+(F91-F83)*$AP$10+(F94-F91)*$AP$11+(F97-F94)*$AP$10+(F100-F97)*$AP$13+(F103-F100)*$AP$12\" to \"=G79*$AP$9+(G82-G79)*$AP$12+(G91-G82)*$AP$10+(G94-G91)*$AP$11+(G97-G94)*$AP$10+(G100-G97)*$AP$13+(G103-G100)*$AP$12\"."]
[null,null,11.1,"i","2021-08-25","D13220","S Greig","Calculation!K131,O131,S131","Copied G131 to this cell and checked dependancies."]
[null,null,11.1,"i","2021-08-25","D13220","S Greig","Calculation!Calc2-4!G131:S131","Copied Calculation!G131:S131."]
[null,null,11.1,"j","2021-08-25","D13220","S Greig","NSR Calculator!B163","Changed from \"Net Income after Tax/ACC/Student Loan and Kiwisaver\" to \"Net Income after Tax and ACC\"."]
[null,null,11.1,"j","2021-08-25","D13220","S Greig","NSR Calculator!D64","Changed from \"=Calculation!$I$133\" to \"=Calculation!$I$131\"."]
[null,null,11.1,"j","2021-08-25","D13220","S Greig","NSR Calculator!G64,J64,M64","Made D64 change to the other applicants."]
[null,null,11.1,"j","2021-08-25","D13220","S Greig","NSR Calculator!Q64,T64,X64","Made D64 change to the other Households."]
[null,null,11.1,"j","2021-08-25","D13220","S Greig","NSR Calculator!AA64,AE64,AH64","Made D64 change to the other Households."]
[null,null,11.1,"k","2021-08-25","D13220","S Greig","Calculation!Q136","Changed from \"=(G131+K131+O131+S131)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J167+J168\" to \"=(G131+K131+O131+S131)-(I127+M127+Q127+U127)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J167+J168\"."]
[null,null,11.1,"l","2021-08-25","D13220","S Greig","Calc2-4!Q136","Made Calculation!Q136 change for other households."]
[null,null,11.2,"a",{"$f":"E1934","v":"2021-08-25"},"D13220","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 11.2\"and leave the focus on cell C9."]
[null,null,{"$f":"C1935","v":11.2},"b","2021-08-25","D13220","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C1936","v":11.2},"b","2021-08-25","D13220","S Greig","NSR Calculator!L4","Changed version to \"Version 11.2\" and leave the focus on cell C9."]
[null,null,{"$f":"C1937","v":11.2},"b","2021-08-25","D13220","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C1938","v":11.2},"b","2021-08-25","D13220","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C1939","v":11.2},"b","2021-08-25","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C1940","v":11.2},"c","2021-08-25","D13220","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C1941","v":11.2},"c","2021-08-25","D13220","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 11.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C1942","v":11.2},"c","2021-08-25","D13220","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C1943","v":11.2},"c","2021-08-25","D13220","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C1944","v":11.2},"c","2021-08-25","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C1945","v":11.2},"d","2021-08-25","D13220","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,11.2,"e","2021-08-26","D13220","S Greig","Calc2!Q136","Changed from \"=(G131+K131+O131+S131)-(I127+M127+Q127+U127)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J167+J168\" to \"=(G131+K131+O131+S131)-(I127+M127+Q127+U127)+SUM('NSR Calculator'!Q66:T66)+SUM('NSR Calculator'!Q68:T68)+J167+J168\"."]
[null,null,11.2,"e","2021-08-26","D13220","S Greig","Calc3!Q136","Changed from \"=(G131+K131+O131+S131)-(I127+M127+Q127+U127)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J167+J168\" to \"=(G131+K131+O131+S131)-(I127+M127+Q127+U127)+SUM('NSR Calculator'!X66:AA66)+SUM('NSR Calculator'!X68:AA68)+J167+J168\"."]
[null,null,11.2,"e","2021-08-26","D13220","S Greig","Calc4!Q136","Changed from \"=(G131+K131+O131+S131)-(I127+M127+Q127+U127)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+J167+J168\" to \"=(G131+K131+O131+S131)-(I127+M127+Q127+U127)+SUM('NSR Calculator'!AE66:AH66)+SUM('NSR Calculator'!AE68:AH68)+J167+J168\"."]
[null,null,11.3,"a",{"$f":"E1949","v":"2021-08-26"},"D13220","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 11.3\"and leave the focus on cell C9."]
[null,null,{"$f":"C1950","v":11.3},"b",{"$f":"E1950","v":"2021-08-26"},"D13220","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C1951","v":11.3},"b","2021-08-26","D13220","S Greig","NSR Calculator!L4","Changed version to \"Version 11.3\" and leave the focus on cell C9."]
[null,null,{"$f":"C1952","v":11.3},"b","2021-08-26","D13220","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C1953","v":11.3},"b","2021-08-26","D13220","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C1954","v":11.3},"b","2021-08-26","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,11.3,"c",{"$f":"E1955","v":"2021-08-26"},"D13220","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C1956","v":11.3},"c","2021-08-26","D13220","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 11.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C1957","v":11.3},"c","2021-08-26","D13220","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C1958","v":11.3},"c","2021-08-26","D13220","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C1959","v":11.3},"c","2021-08-26","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C1960","v":11.3},"d",{"$f":"E1960","v":"2021-08-26"},"D13220","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,11.3,"d","2021-08-26","D13220","S Greig","NSR Calculator!Q88,T88","Make data varivacation messages equal C88 and I88."]
[null,null,11.3,"d","2021-08-26","D13220","S Greig","NSR Calculator!X88,AA88","Make data varivacation messages equal C88 and I88."]
[null,null,11.3,"d","2021-08-26","D13220","S Greig","NSR Calculator!AE88,AE88","Make data varivacation messages equal C88 and I88."]
[null,null,11.4,"a","2021-08-26","D13220","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 11.4\"and leave the focus on cell C9."]
[null,null,{"$f":"C1965","v":11.4},"b",{"$f":"E1965","v":"2021-08-26"},"D13220","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C1966","v":11.4},"b","2021-08-26","D13220","S Greig","NSR Calculator!L4","Changed version to \"Version 11.4\" and leave the focus on cell C9."]
[null,null,{"$f":"C1967","v":11.4},"b","2021-08-26","D13220","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C1968","v":11.4},"b","2021-08-26","D13220","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C1969","v":11.4},"b","2021-08-26","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C1970","v":11.4},"c",{"$f":"E1970","v":"2021-08-26"},"D13220","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C1971","v":11.4},"c","2021-08-26","D13220","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 11.4\"and leave the focus on cell C9. "]
[null,null,{"$f":"C1972","v":11.4},"c","2021-08-26","D13220","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C1973","v":11.4},"c","2021-08-26","D13220","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C1974","v":11.4},"c","2021-08-26","D13220","S Greig","Module1","Run lockup_macro and save."]
[null,null,11.4,"d",{"$f":"E1975","v":"2021-08-26"},{"$f":"F1975","v":"D13220"},"S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C1976","v":11.4},"e","2021-09-21","D13380",{"$f":"G1976","v":"S Greig"},"Sheet7","Added new public ScenarioWHL to record the last WHL setting when clearing the scenario. "]
[null,null,{"$f":"C1977","v":11.4},{"$f":"D1977","v":"e"},"2021-09-21","D13380","S Greig","Sheet7!ScenarioDraw","New method to draw the Scenario background."]
[null,null,{"$f":"C1978","v":11.4},"e","2021-09-21","D13380","S Greig","Sheet7!ScenarioClear","Modify the scenario clear to call the ScenarioDraw if the WHL setting has changed."]
[null,null,{"$f":"C1979","v":11.4},"g","2021-09-22",{"$f":"F1979","v":"D13380"},"S Greig","Sheet7!Hide_Update","Tried to Hide and Show using a parameter but it was unable to show, so removed the parameter and left the Update showing for WHL."]
[null,null,{"$f":"C1980","v":11.4},"h","2021-09-22","D13380","S Greig","Module1!ResetForm_ClearContents","The WHL needs to be cleared before the reset as this may change the drawing of the scenario area."]
[null,null,{"$f":"C1981","v":11.4},{"$f":"D1981","v":"h"},"2021-09-22","D13380","S Greig","Sheet7!ScenarioUpdate","Comment out the code for the WHL so it could be reactivated at a later date."]
[null,null,{"$f":"C1982","v":11.4},"h",{"$f":"E1982","v":"2021-09-22"},"D13380","S Greig","Sheet7!CheckBox_Click","Force the scenario rate to zero so it does not get reset at the end."]
[null,null,{"$f":"C1983","v":11.4},"h",{"$f":"E1983","v":"2021-09-22"},"D13380","S Greig","Sheet7!ScenarioClear","Ensure the scenario rate is cleared for WHL."]
[null,null,{"$f":"C1984","v":11.4},"h",{"$f":"E1984","v":"2021-09-22"},"D13380","S Greig","Sheet7!ScenarioDraw","Lock scenario rate cell for WHL and unlock for other scenarios. This stops user input."]
[null,null,11.5,"a",{"$f":"E1985","v":"2021-09-22"},"D13380","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 11.5\"and leave the focus on cell C9."]
[null,null,{"$f":"C1986","v":11.5},"b",{"$f":"E1986","v":"2021-09-22"},"D13380","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,11.5,{"$f":"D1987","v":"b"},{"$f":"E1987","v":"2021-09-22"},"D13380","S Greig","NSR Calculator!L4","Changed version to \"Version 11.5\" and leave the focus on cell C9."]
[null,null,11.5,"b",{"$f":"E1988","v":"2021-09-22"},"D13380","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,11.5,"b",{"$f":"E1989","v":"2021-09-22"},"D13380","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,11.5,"b",{"$f":"E1990","v":"2021-09-22"},"D13380","S Greig","Module1","Run lockup_macro and save."]
[null,null,11.5,"c",{"$f":"E1991","v":"2021-09-22"},"D13380","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,11.5,"c",{"$f":"E1992","v":"2021-09-22"},"D13380","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 11.5\"and leave the focus on cell C9. "]
[null,null,11.5,"c",{"$f":"E1993","v":"2021-09-22"},"D13380","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,11.5,"c",{"$f":"E1994","v":"2021-09-22"},"D13380","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,11.5,"c",{"$f":"E1995","v":"2021-09-22"},"D13380","S Greig","Module1","Run lockup_macro and save."]
[null,null,11.5,"d",{"$f":"E1996","v":"2021-09-22"},"D13380","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,11.5,"e","2021-09-29",{"$f":"F1997","v":"D13380"},"S Greig","NSR Calculator!D88","Changed from \"=IF(Calculation!$H$297=0,\"\",\"FHL\")\" to \"\"."]
[null,null,11.5,"e",{"$f":"E1998","v":"2021-09-29"},"D13380","S Greig","NSR Calculator!D90","Changed from \"=IF(Calculation!$H$297=0,\"\",Calculation!$H$297*12)\" to \"\"."]
[null,null,11.6,"a",{"$f":"E1999","v":"2021-09-29"},"D13380","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 11.6\"and leave the focus on cell C9."]
[null,null,11.6,"b",{"$f":"E2000","v":"2021-09-29"},"D13380","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,11.6,"b",{"$f":"E2001","v":"2021-09-29"},"D13380","S Greig","NSR Calculator!L4","Changed version to \"Version 11.6\" and leave the focus on cell C9."]
[null,null,11.6,"b",{"$f":"E2002","v":"2021-09-29"},"D13380","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,11.6,"b",{"$f":"E2003","v":"2021-09-29"},"D13380","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,11.6,"b",{"$f":"E2004","v":"2021-09-29"},"D13380","S Greig","Module1","Run lockup_macro and save."]
[null,null,11.6,"c",{"$f":"E2005","v":"2021-09-29"},"D13380","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,11.6,"c",{"$f":"E2006","v":"2021-09-29"},"D13380","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 11.6\"and leave the focus on cell C9. "]
[null,null,11.6,"c",{"$f":"E2007","v":"2021-09-29"},"D13380","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,11.6,"c","2021-09-29","D13380","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,11.6,"c","2021-09-29","D13380","S Greig","Module1","Run lockup_macro and save."]
[null,null,11.6,"d","2021-09-29","D13380","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2011","v":11.6},"e","2021-10-18","D13454","S Greig","MLA!D47:I108","Updated the tables with new values."]
[null,null,11.7,"a","2021-10-18","D13454","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 11.7\"and leave the focus on cell C9."]
[null,null,11.7,"b","2021-10-18","D13454","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,11.7,"b","2021-10-18","D13454","S Greig","NSR Calculator!L4","Changed version to \"Version 11.7\" and leave the focus on cell C9."]
[null,null,11.7,"b","2021-10-18","D13454","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,11.7,"b","2021-10-18","D13454","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2017","v":11.7},"b","2021-10-18","D13454","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2018","v":11.7},"c","2021-10-18","D13454","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2019","v":11.7},"c","2021-10-18","D13454","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 11.7\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2020","v":11.7},"c","2021-10-18","D13454","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2021","v":11.7},"c","2021-10-18","D13454","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2022","v":11.7},"c","2021-10-18","D13454","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2023","v":11.7},"d","2021-10-18","D13454","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2024","v":11.7},"e","2021-10-19","D13454","S Greig","MLA!K46:Q76","Setup tables so raw data with decimal places can be copied to these areas for 1 and 2 adult tables."]
[null,null,{"$f":"C2025","v":11.7},"e","2021-10-19","D13454","S Greig","MLA!D47:I60","Changed to \"=ROUND(L47,0) so the table will round the values in the decimal table. If there are no decimals then this will not matter."]
[null,null,{"$f":"C2026","v":11.7},"e","2021-10-19","D13454","S Greig","MLA!D63:I76","Changed to \"=ROUND(L63,0) so the table will round the values in the decimal table. If there are no decimals then this will not matter."]
[null,null,{"$f":"C2027","v":11.7},"e","2021-10-19","D13454","S Greig","MLA!D79:I92","Changed to \"=ROUND((2*L63)-L47,0)\" so the table will use the unrounded values to calculate the values. "]
[null,null,{"$f":"C2028","v":11.7},"e","2021-10-19","D13454","S Greig","MLA!D95:108","Changed to =ROUND((3*L63)-(2*L47),0)\" so the table will use the unrounded values to calculate the values. "]
[null,null,11.8,"a",{"$f":"E2029","v":"2021-10-19"},"D13454","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 11.8\"and leave the focus on cell C9."]
[null,null,{"$f":"C2030","v":11.8},"b","2021-10-19","D13454","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2031","v":11.8},"b","2021-10-19","D13454","S Greig","NSR Calculator!L4","Changed version to \"Version 11.8\" and leave the focus on cell C9."]
[null,null,{"$f":"C2032","v":11.8},"b","2021-10-19","D13454","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2033","v":11.8},"b","2021-10-19","D13454","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2034","v":11.8},"b","2021-10-19","D13454","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2035","v":11.8},"c","2021-10-19","D13454","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2036","v":11.8},"c","2021-10-19","D13454","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 11.8\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2037","v":11.8},"c","2021-10-19","D13454","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2038","v":11.8},"c","2021-10-19","D13454","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2039","v":11.8},"c","2021-10-19","D13454","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2040","v":11.8},"d","2021-10-19","D13454","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!F:G","Added 2 more columns."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!E7","Changed from \"\" to \"Old\"."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!F7","Changed from \"\" to \"New\"."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!G7","Changed from \"\" to \"Change Date\"."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!E45:F:45","Copied C45 to D45 and E45."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!F45","Changed from \"2.75%\" to \"3.25%\"."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!G45","Changed from \"\" to \"01/01/2022\"."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!C45","Changed from \"2.75%\" to \"=IF(TODAY()<G45,E45,F45)\"."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!E15:F15","Copied C15 to D15 and E15."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!F15","Changed from \"75%\" to \"65%\"."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!G15","Changed from \"\" to \"01/01/2022\"."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!G8","Changed from \"\" to \"01/01/2022\"."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!G15","Changed from \"01/01/2022\" to \"=$G$8\". This is to be sure the change dates are the same and allows for an individual date by overwriting the formula at a later date."]
[null,null,11.8,"e","2021-10-21","D13454","S Greig","Calculator Parameters!G45","Changed from \"01/01/2022\" to \"=$G$8\"."]
[null,null,{"$f":"C2055","v":11.8},"e","2021-10-21","D13454","S Greig","Calculator Parameters!C15","Changed from \"75%\" to \"=IF(TODAY()<G15,E15,F15)\"."]
[null,null,11.9,"a",{"$f":"E2056","v":"2021-10-21"},"D13454","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 11.9\"and leave the focus on cell C9."]
[null,null,{"$f":"C2057","v":11.9},"b","2021-10-21","D13454","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2058","v":11.9},"b","2021-10-21","D13454","S Greig","NSR Calculator!L4","Changed version to \"Version 11.9\" and leave the focus on cell C9."]
[null,null,{"$f":"C2059","v":11.9},"b","2021-10-21","D13454","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2060","v":11.9},"b","2021-10-21","D13454","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2061","v":11.9},"b","2021-10-21","D13454","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2062","v":11.9},"c","2021-10-21","D13454","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2063","v":11.9},"c","2021-10-21","D13454","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 11.9\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2064","v":11.9},"c","2021-10-21","D13454","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2065","v":11.9},"c","2021-10-21","D13454","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2066","v":11.9},"c","2021-10-21","D13454","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2067","v":11.9},"d","2021-10-21","D13454","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2068","v":11.9},"d","2021-11-02","D13454","S Greig","Calculator Parameters!G8","Changed from \"1/01/2022\" to \"1/01/2021\" for testing after the change date."]
[null,null,{"$f":"C2069","v":11.9},"e","2021-11-02","D13454","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2070","v":11.9},"e","2021-11-02","D13454","S Greig","NSR Calculator!L4","Changed version to \"Version 11.9e\" and leave the focus on cell C9."]
[null,null,{"$f":"C2071","v":11.9},"e","2021-11-02","D13454","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2072","v":11.9},"e","2021-11-02","D13454","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2073","v":11.9},"e","2021-11-02","D13454","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2074","v":11.9},"f","2021-11-16","D13454","S Greig","To create the next version","Based the new version on the previously unlocked \"d\" version and add a letter to the end."]
[null,null,{"$f":"C2075","v":11.9},"f","2021-11-16","D13550","S Greig","Calculator Parameters!G8","Changed from \"1/01/2021\" to \"1/01/2022\" to restore the future version."]
[null,null,{"$f":"C2076","v":11.9},"g","2022-01-18","D13550","S Greig","Calculator Parameters!C15","Changed from \"=IF(TODAY()<G15,E15,F15)\" to \"65%\"."]
[null,null,{"$f":"C2077","v":11.9},"g","2022-01-18","D13550","S Greig","Calculator Parameters!E15","Changed from \"75%\" to \"\"."]
[null,null,{"$f":"C2078","v":11.9},"g","2022-01-18","D13550","S Greig","Calculator Parameters!F15","Changed from \"65%\" to \"\"."]
[null,null,{"$f":"C2079","v":11.9},"g","2022-01-18","D13550","S Greig","Calculator Parameters!G15","Changed from \"=$G$8\" to \"\"."]
[null,null,{"$f":"C2080","v":11.9},"g","2022-01-18","D13550","S Greig","Calculator Parameters!C45","Changed from \"=IF(TODAY()<G45,E45,F45)\" to \"3.25%\"."]
[null,null,{"$f":"C2081","v":11.9},"g","2022-01-18","D13550","S Greig","Calculator Parameters!E45","Changed from \"2.75%\" to \"\"."]
[null,null,{"$f":"C2082","v":11.9},"g","2022-01-18","D13550","S Greig","Calculator Parameters!F45","Changed from \"3.25%\" to \"\"."]
[null,null,{"$f":"C2083","v":11.9},"g","2022-01-18","D13550","S Greig","Calculator Parameters!G45","Changed from \"=$G$8\" to \"\"."]
[null,null,{"$f":"C2084","v":11.9},"g","2022-01-18","D13550","S Greig","Workbook_Open","Moved code from Module1:lockup_macro to action as no longer pre-locking."]
[null,null,{"$f":"C2085","v":11.9},"g","2022-01-18","D13550","S Greig","Workbook_Open","Commented out duplicate code."]
[null,null,12,"a",{"$f":"E2086","v":"2022-01-18"},"D13550","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 12.0\"and leave the focus on cell C9."]
[null,null,{"$f":"C2087","v":12},"b","2022-01-18","D13550","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2088","v":12},"b","2022-01-18","D13550","S Greig","NSR Calculator!L4","Changed version to \"Version 12.0\" and leave the focus on cell C9."]
[null,null,{"$f":"C2089","v":12},"b","2022-01-18","D13550","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2090","v":12},"b","2022-01-18","D13550","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2091","v":12},"b","2022-01-18","D13550","S Greig","Module1","DO NOT RUN lockup_macro and save as this will cause an error when running since the windows update."]
[null,null,{"$f":"C2092","v":12},"c","2022-01-18","D13550","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2093","v":12},"c","2022-01-18","D13550","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 12.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2094","v":12},"c","2022-01-18","D13550","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2095","v":12},"c","2022-01-18","D13550","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2096","v":12},"d","2022-01-18","D13550","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2097","v":12},"d","2022-01-20","D13550","S Greig","Workbook_Open","Added unprotect line if locked. This allows it to be locked in advance."]
[null,null,{"$f":"C2098","v":12},"e","2022-01-20","D13550","S Greig","Tested as pre-locked","OK."]
[null,null,{"$f":"C2099","v":12},"f","2022-01-20","D13550","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2100","v":12},"f","2022-01-20","D13550","S Greig","NSR Calculator!L4","Changed version to \"Version 12.0f\" and leave the focus on cell C9."]
[null,null,{"$f":"C2101","v":12},"f","2022-01-20","D13550","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2102","v":12},"f","2022-01-20","D13550","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2103","v":12},"f","2022-01-20","D13550","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2104","v":12},"g","2022-01-20","D13550","S Greig","To create the next version","Based the new version on the previously unlocked \"e\" version and add a letter to the end."]
[null,null,{"$f":"C2105","v":12},"h","2022-02-21","D13581","S Greig","Calculator Parameters!F45","Changed from \"3.25\" to \"3.75\"."]
[null,null,{"$f":"C2106","v":12},"h","2022-02-21","D13581","S Greig","Calculator Parameters!M32:M35","Copied L32:L35 to M32:M35."]
[null,null,{"$f":"C2107","v":12},"h","2022-02-21","D13581","S Greig","Calculator Parameters!M33","Changed from \"1/4/21\" to \"1/4/22\"."]
[null,null,{"$f":"C2108","v":12},"h","2022-02-21","D13581","S Greig","Calculator Parameters!M35","Changed from \"$20,280\" to \"$21,268\"."]
[null,null,{"$f":"C2109","v":12},"h","2022-02-21","D13581","S Greig","Calculator Parameters!B35","Changed from \"$20,280\" to \"$21,268\"."]
[null,null,{"$f":"C2110","v":12},"h","2022-02-21","D13581","S Greig","Calculator Parameters!X17:Y20","Copied from V17:W20 to X17:Y20."]
[null,null,{"$f":"C2111","v":12},"h","2022-02-21","D13581","S Greig","Calculator Parameters!X18","Changed from \"2020/21\" to \"2021/22\"."]
[null,null,{"$f":"C2112","v":12},"h","2022-02-21","D13581","S Greig","Calculator Parameters!X19:X20","Changed from \"$1.39\" to \"$1.46\"."]
[null,null,{"$f":"C2113","v":12},"h","2022-02-21","D13581","S Greig","Calculator Parameters!Y19:Y20","Changed from \"$1,819.66\" to \"$1,993.54\"."]
[null,null,{"$f":"C2114","v":12},"h","2022-02-21","D13581","S Greig","Calculator Parameters!C19:C20","Changed from \"$1.39\" to \"$1.46\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!D19:D20","Changed from \"$1,819.66\" to \"$1,993.54\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!G8","Changed from \"1/01/2022\" to \"1/04/2022\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!G19","Changed from \"\" to \"=G8\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!G20","Changed from \"\" to \"=G8\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!C19","Changed from \"$1.46\" to \"=IF(TODAY()<G19,E19,F19)\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!C20","Changed from \"$1.46\" to \"=IF(TODAY()<G19,E19,F19)\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!D19","Changed from \"$1993.54\" to \"=IF(TODAY()<G20,E20,F20)\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!D20","Changed from \"$1993.54\" to \"=IF(TODAY()<G20,E20,F20)\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!G35","Changed from \"\" to \"=G8\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!B35","Changed from \"$21268\" to \"=IF(TODAY()<G35,E35,F35)\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!E35","Changed from \"\" to \"20,280\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!F35","Changed from \"\" to \"21,268\"."]
[null,null,12,"h","2022-02-21","D13581","S Greig","Calculator Parameters!G45","Changed from \"\" to \"=G8\"."]
[null,null,12,"h","2022-02-21","D13581",{"$f":"G2128","v":"S Greig"},"Calculator Parameters!E45","Changed from \"\" to \"3.25%\"."]
[null,null,12,"h","2022-02-21","D13581",{"$f":"G2129","v":"S Greig"},"Calculator Parameters!F45","Changed from \"\" to \"3.75%\"."]
[null,null,12,"h",{"$f":"E2130","v":"2022-02-21"},"D13581","S Greig","Calculator Parameters!C45","Changed from \"3.75%\" to \"=IF(TODAY()<G45,E45,F45)\"."]
[null,null,12.1,"a",{"$f":"E2131","v":"2022-02-21"},"D13581","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 12.1\"and leave the focus on cell C9."]
[null,null,{"$f":"C2132","v":12.1},"b",{"$f":"E2132","v":"2022-02-21"},"D13581","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2133","v":12.1},"b","2022-02-21","D13581","S Greig","NSR Calculator!L4","Changed version to \"Version 12.1\" and leave the focus on cell C9."]
[null,null,{"$f":"C2134","v":12.1},"b","2022-02-21","D13581","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2135","v":12.1},"b","2022-02-21","D13581","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2136","v":12.1},"b","2022-02-21","D13581","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2137","v":12.1},"c",{"$f":"E2137","v":"2022-02-21"},{"$f":"F2137","v":"D13581"},"S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2138","v":12.1},"c","2022-02-21","D13581","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 12.1\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2139","v":12.1},"c","2022-02-21","D13581","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2140","v":12.1},"c","2022-02-21","D13581","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2141","v":12.1},"c",{"$f":"E2141","v":"2022-02-21"},"D13581","S Greig","Module1","Run lockup_macro and save."]
[null,null,12.1,"d","2022-02-21","D13581","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,12.1,"e","2022-05-26","D13710","S Greig","Calculator Parameters!C19:C20","Changed from \"=IF(TODAY()<G19,E19,F19)\" to \"0.0146\"."]
[null,null,12.1,"e","2022-05-26","D13710","S Greig","Calculator Parameters!D19:D20","Changed from \"=IF(TODAY()<G20,E20,F20)\" to \"1993.54\"."]
[null,null,12.1,"e","2022-05-26","D13710","S Greig","Calculator Parameters!E19:G20","Cleared the switch information."]
[null,null,12.1,"e","2022-05-26","D13710","S Greig","Calculator Parameters!B35","Changed from \"=IF(TODAY()<G35,E35,F35)\" to \"21268\"."]
[null,null,{"$f":"C2147","v":12.1},"e","2022-05-26","D13710","S Greig","Calculator Parameters!E35:G35","Cleared the switch information."]
[null,null,{"$f":"C2148","v":12.1},"e","2022-05-26","D13710","S Greig","Calculator Parameters!E45","Changed from \"3.25%\" to \"3.75\"."]
[null,null,{"$f":"C2149","v":12.1},"e","2022-05-26","D13710","S Greig","Calculator Parameters!F45","Changed from \"3.75%\" to \"4.25\"."]
[null,null,{"$f":"C2150","v":12.1},"e","2022-05-26","D13710","S Greig","Calculator Parameters!G8","Changed from \"1/04/2022\" to \"1/07/2022\"."]
[null,null,12.2,"a",{"$f":"E2151","v":"2022-05-26"},"D13710","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 12.2\"and leave the focus on cell C9."]
[null,null,{"$f":"C2152","v":12.2},"b","2022-05-26","D13710","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2153","v":12.2},"b","2022-05-26","D13710","S Greig","NSR Calculator!L4","Changed version to \"Version 12.2\" and leave the focus on cell C9."]
[null,null,{"$f":"C2154","v":12.2},"b","2022-05-26","D13710","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2155","v":12.2},"b","2022-05-26","D13710","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2156","v":12.2},"b","2022-05-26","D13710","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2157","v":12.2},"c","2022-05-26","D13710","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2158","v":12.2},"c","2022-05-26","D13710","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 12.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2159","v":12.2},"c","2022-05-26","D13710","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2160","v":12.2},"c","2022-05-26","D13710","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2161","v":12.2},"c","2022-05-26","D13710","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2162","v":12.2},"d","2022-05-26","D13710","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2163","v":12.2},"d","2022-07-04","D13711","S Greig","Module1","Add a NoClearVersion constant."]
[null,null,{"$f":"C2164","v":12.2},"d","2022-07-04","D13711","S Greig","Calculator Parameters!C45","Changed from \"=IF(TODAY()<G45,E45,F45)\" to \"4.25%\"."]
[null,null,{"$f":"C2165","v":12.2},"d","2022-07-04","D13711","S Greig","Calculator Parameters!E45","Changed from \"3.75%\" to \"\"."]
[null,null,{"$f":"C2166","v":12.2},"d","2022-07-04","D13711","S Greig","Calculator Parameters!F45","Changed from \"4.25%\" to \"\"."]
[null,null,{"$f":"C2167","v":12.2},"d","2022-07-04","D13711","S Greig","Calculator Parameters!G45","Changed from \"=G8\" to \"\"."]
[null,null,12.3,"a","2022-07-05",{"$f":"F2168","v":"D13711"},"S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 12.3\"and leave the focus on cell C9."]
[null,null,{"$f":"C2169","v":12.3},"b",{"$f":"E2169","v":"2022-07-05"},"D13711","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2170","v":12.3},"b","2022-07-05","D13711","S Greig","NSR Calculator!L4","Changed version to \"Version 12.3\" and leave the focus on cell C9."]
[null,null,{"$f":"C2171","v":12.3},"b","2022-07-05","D13711","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2172","v":12.3},"b","2022-07-05","D13711","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2173","v":12.3},"b","2022-07-05","D13711","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2174","v":12.3},"c",{"$f":"E2174","v":"2022-07-05"},"D13711","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2175","v":12.3},"c","2022-07-05","D13711","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 12.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2176","v":12.3},"c","2022-07-05","D13711","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2177","v":12.3},"c","2022-07-05","D13711","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2178","v":12.3},{"$f":"D2178","v":"c"},"2022-07-05","D13711","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2179","v":12.3},"d",{"$f":"E2179","v":"2022-07-05"},"D13711","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2180","v":12.3},"e","2022-07-14","D13711","S Greig","Workbook_Open","Moved code up method and added locking."]
[null,null,12.4,"a","2022-07-19",{"$f":"F2181","v":"D13711"},{"$f":"G2181","v":"S Greig"},"NSR Calculator!L4","Changed version to \"Unlocked Version 12.4\"and leave the focus on cell C9."]
[null,null,{"$f":"C2182","v":12.4},"b","2022-07-19","D13711","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2183","v":12.4},"b","2022-07-19","D13711","S Greig","NSR Calculator!L4","Changed version to \"Version 12.4\" and leave the focus on cell C9."]
[null,null,{"$f":"C2184","v":12.4},"b","2022-07-19","D13711","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2185","v":12.4},"b","2022-07-19","D13711","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2186","v":12.4},"b","2022-07-19","D13711","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2187","v":12.4},"c","2022-07-19","D13711","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2188","v":12.4},"c","2022-07-19","D13711","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 12.4\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2189","v":12.4},"c","2022-07-19","D13711","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2190","v":12.4},"c","2022-07-19","D13711","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2191","v":12.4},"c","2022-07-19","D13711","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2192","v":12.4},"d","2022-07-19","D13711","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,12.4,"e","2022-07-21","D13711","S Greig","Calculator Parameters!C45","Changed from \"4.25%\" to \"5.00%\"."]
[null,null,12.4,"f","2022-07-21","D13711","S Greig","MLA!L47:Q60","Updated the table values."]
[null,null,12.4,"f","2022-07-21","D13711","S Greig","MLA!L63:Q76","Updated the table values."]
[null,null,12.4,"f","2022-07-21","D13711","S Greig","MLA!D79:I92","Made white and replaced formulas with values."]
[null,null,12.4,"f","2022-07-21","D13711","S Greig","MLA!D95:I108","Made white and replaced formulas with values."]
[null,null,12.4,"g","2022-07-22","D13711","S Greig","Workbook_Open","Only show New Old for locked version."]
[null,null,12.4,"h","2022-07-22","D13711","S Greig","Calculation!Q135","Changed from \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+$J$165+$J$166\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+($J$165*$AP$14)+$J$166\"."]
[null,null,12.4,"h","2022-07-22","D13711","S Greig","Calc2!Q135","Changed from \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+$J$165+$J$166\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+($J$165*$AP$14)+$J$166\"."]
[null,null,12.4,"h","2022-07-22","D13711","S Greig","Calc3!Q135","Changed from \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+$J$165+$J$166\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+($J$165*$AP$14)+$J$166\"."]
[null,null,12.4,"h","2022-07-22","D13711","S Greig","Calc4!Q135","Changed from \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+$J$165+$J$166\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+($J$165*$AP$14)+$J$166\"."]
[null,null,12.5,"a","2022-07-22","D13711","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 12.5\"and leave the focus on cell C9."]
[null,null,{"$f":"C2204","v":12.5},"b","2022-07-22","D13711","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2205","v":12.5},"b","2022-07-22","D13711","S Greig","NSR Calculator!L4","Changed version to \"Version 12.5\" and leave the focus on cell C9."]
[null,null,{"$f":"C2206","v":12.5},"b","2022-07-22","D13711","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2207","v":12.5},"b","2022-07-22","D13711","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2208","v":12.5},"b","2022-07-22","D13711","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2209","v":12.5},"c","2022-07-22","D13711","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2210","v":12.5},"c","2022-07-22","D13711","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 12.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2211","v":12.5},"c","2022-07-22","D13711","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2212","v":12.5},"c","2022-07-22","D13711","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2213","v":12.5},"c","2022-07-22","D13711","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2214","v":12.5},"d","2022-07-22","D13711","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2215","v":12.5},"d","2022-07-25","D13711","S Greig","Calculation!R135","Changed from \"\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:M66)+SUM('NSR Calculator'!D68:M68)+$J$165+$J$166\"."]
[null,null,{"$f":"C2216","v":12.5},"d","2022-07-25","D13711","S Greig","Calc2!R135","Changed from \"\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!Q66:T66)+SUM('NSR Calculator'!Q68:T68)+$J$165+$J$166\"."]
[null,null,{"$f":"C2217","v":12.5},"d","2022-07-25","D13711","S Greig","Calc3!R135","Changed from \"\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!X66:AA66)+SUM('NSR Calculator'!X68:AA68)+$J$165+$J$166\"."]
[null,null,{"$f":"C2218","v":12.5},"d","2022-07-25","D13711","S Greig","Calc4!R135","Changed from \"\" to \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!AE66:AH66)+SUM('NSR Calculator'!AE68:AH68)+$J$165+$J$166\"."]
[null,null,{"$f":"C2219","v":12.5},"d","2022-07-25","D13711","S Greig","NSR Calculator!G151","Changed from \"=Calculation!Q135+Calc2!Q135+Calc3!Q135+Calc4!Q135\" to \"=Calculation!R135+Calc2!R135+Calc3!R135+Calc4!R135\"."]
[null,null,12.6,"a",{"$f":"E2220","v":"2022-07-25"},"D13711","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 12.6\"and leave the focus on cell C9."]
[null,null,{"$f":"C2221","v":12.6},"b","2022-07-25","D13711","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2222","v":12.6},"b","2022-07-25","D13711","S Greig","NSR Calculator!L4","Changed version to \"Version 12.6\" and leave the focus on cell C9."]
[null,null,{"$f":"C2223","v":12.6},"b","2022-07-25","D13711","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2224","v":12.6},"b","2022-07-25","D13711","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2225","v":12.6},"b","2022-07-25","D13711","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2226","v":12.6},"c","2022-07-25","D13711","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2227","v":12.6},"c","2022-07-25","D13711","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 12.6\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2228","v":12.6},"c","2022-07-25","D13711","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2229","v":12.6},"c","2022-07-25","D13711","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2230","v":12.6},"c","2022-07-25","D13711","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2231","v":12.6},"d","2022-07-25","D13711","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2232","v":12.6},"d","2022-11-29","D13711","S Greig","Calculator Parameters!E45","Changed from \"\" to \"5.00%\"."]
[null,null,{"$f":"C2233","v":12.6},"d",{"$f":"E2233","v":"2022-11-29"},{"$f":"F2233","v":"D13711"},{"$f":"G2233","v":"S Greig"},"Calculator Parameters!F45","Changed from \"\" to \"5.75%\"."]
[null,null,{"$f":"C2234","v":12.6},"d","2022-11-29","D13711","S Greig","Calculator Parameters!G8","Changed from \"1/07/2022\" to \"1/01/2023\"."]
[null,null,{"$f":"C2235","v":12.6},"d","2022-11-29","D13711","S Greig","Calculator Parameters!G45","Changed from \"\" to \"=G8\"."]
[null,null,{"$f":"C2236","v":12.6},"d","2022-11-29","D13711","S Greig","Calculator Parameters!C45","Changed from \"5.00%\" to \"=IF(TODAY()<G45,E45,F45)\"."]
[null,null,12.7,"a",{"$f":"E2237","v":"2022-11-29"},"D13711","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 12.7\"and leave the focus on cell C9."]
[null,null,{"$f":"C2238","v":12.7},"b","2022-11-29","D13711","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2239","v":12.7},"b","2022-11-29","D13711","S Greig","NSR Calculator!L4","Changed version to \"Version 12.7\" and leave the focus on cell C9."]
[null,null,{"$f":"C2240","v":12.7},"b","2022-11-29","D13711","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2241","v":12.7},"b","2022-11-29","D13711","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2242","v":12.7},"b","2022-11-29","D13711","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2243","v":12.7},"c","2022-11-29","D13711","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2244","v":12.7},"c","2022-11-29","D13711","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 12.7\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2245","v":12.7},"c","2022-11-29","D13711","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2246","v":12.7},"c","2022-11-29","D13711","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2247","v":12.7},"c","2022-11-29","D13711","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2248","v":12.7},"d","2022-11-29","D13711","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2249","v":12.7},"e","2022-12-15","D13915","S Greig","Report!","Added a new worksheet called Report."]
[null,null,{"$f":"C2250","v":12.7},"e","2022-12-15","D13915","S Greig","Workbook_Open","Control the visibility of Report! Or Sheet6."]
[null,null,{"$f":"C2251","v":12.7},"f","2022-12-15","D13915","S Greig","Report!B3:R3","Added column headings."]
[null,null,{"$f":"C2252","v":12.7},"f","2022-12-15","D13915","S Greig","Report!I1:R1","Added column notes."]
[null,null,{"$f":"C2253","v":12.7},"f","2022-12-15","D13915","S Greig","Report!A4:B16","Added household and applicant titles."]
[null,null,{"$f":"C2254","v":12.7},"f","2022-12-15","D13915","S Greig","Report!J4:J14","Added links to collect the appropriate information for Salary/Wages."]
[null,null,{"$f":"C2255","v":12.7},"f","2022-12-15","D13915","S Greig","Report!K4:K14","Added links to collect the appropriate information for Self Employed."]
[null,null,{"$f":"C2256","v":12.7},"h","2022-12-15","D13915","S Greig","Report!N4:N14","Added links to collect the appropriate information for Superannuation and all benefits."]
[null,null,{"$f":"C2257","v":12.7},"h","2022-12-15","D13915","S Greig","Report!O4:O14","Added links to collect the appropriate information for Other Income."]
[null,null,{"$f":"C2258","v":12.7},"i","2022-12-15","D13915","S Greig","Report!L4:L14","Added links to collect the appropriate information for Boarders."]
[null,null,{"$f":"C2259","v":12.7},"i","2022-12-15","D13915","S Greig","Report!M4:M14","Added links to collect the appropriate information for Rentals."]
[null,null,{"$f":"C2260","v":12.7},"i","2022-12-15","D13915","S Greig","Report!P4:P14","Added links to collect the appropriate information for Deductions."]
[null,null,{"$f":"C2261","v":12.7},"j","2022-12-16","D13915","S Greig","DTI Report!","Changed the sheet name from Report to DTI Report which is for the Debt to Income compliance report."]
[null,null,{"$f":"C2262","v":12.7},"j","2022-12-16","D13915","S Greig","DTI Report!16","Moved the Total line down 2 rows so it can be used for all columns."]
[null,null,{"$f":"C2263","v":12.7},"j","2022-12-16","D13915","S Greig","DTI Report!C14:I15","Added links to collect the appropriate information for Liabilities."]
[null,null,{"$f":"C2264","v":12.7},"l","2023-02-07","D13915","S Greig","Calculator Parameters!D9","Changed from \"\" to \"DTI Weight\"."]
[null,null,{"$f":"C2265","v":12.7},"l","2023-02-07","D13915","S Greig","Calculator Parameters!D10:D14","Changed from \"\" to \"=C10\"."]
[null,null,{"$f":"C2266","v":12.7},"l","2023-02-07","D13915","S Greig","Calculator Parameters!D15","Changed from \"\" to \"0.75\"."]
[null,null,{"$f":"C2267","v":12.7},"l","2023-02-07","D13915","S Greig","Calculator Parameters!B16","Changed from \"\" to \"Investment\"."]
[null,null,{"$f":"C2268","v":12.7},"l","2023-02-07","D13915","S Greig","Calculator Parameters!B17","Changed from \"\" to \"Boarder\"."]
[null,null,{"$f":"C2269","v":12.7},"l","2023-02-07","D13915","S Greig","Calculator Parameters!D16","Changed from \"\" to \"0.5\""]
[null,null,{"$f":"C2270","v":12.7},"l","2023-02-07","D13915","S Greig","Calculator Parameters!D17","Changed from \"\" to \"0.5\""]
[null,null,{"$f":"C2271","v":12.7},"l","2023-02-07","D13915","S Greig","Calculator Parameters!B8:D17","Made the table format consistant."]
[null,null,{"$f":"C2272","v":12.7},"l","2023-02-07","D13915","S Greig","Calculator Parameters!C45","Changed from \"=IF(TODAY()<G45,E45,F45)\" to \"5.75%\"."]
[null,null,{"$f":"C2273","v":12.7},"l","2023-02-07","D13915","S Greig","Calculator Parameters!E45:G45","Cleared cells."]
[null,null,{"$f":"C2274","v":12.7},"l","2023-02-07","D13915","S Greig","DTI Calculation!","Copied this sheet from Mike Potter's calculator."]
[null,null,{"$f":"C2275","v":12.7},"l","2023-02-07","D13915","S Greig","DTI OutputReport!","Copied this sheet from Mike Potter's calculator."]
[null,null,{"$f":"C2276","v":12.7},"m","2023-02-07","D13915","S Greig","DTI Calculation!","Removed references to the previous worksheet from the formulas."]
[null,null,{"$f":"C2277","v":12.7},"m","2023-02-07","D13915","S Greig","DTI OutputReport!","Removed references to the previous worksheet from the formulas."]
[null,null,{"$f":"C2278","v":12.7},"n","2023-02-07","D13915","S Greig","Module1","Removed \"NoClearVersion\"."]
[null,null,{"$f":"C2279","v":12.7},"n","2023-02-07","D13915","S Greig","Module1","Added \"DTIVersion\"."]
[null,null,{"$f":"C2280","v":12.7},"n","2023-02-07","D13915","S Greig","lockup_macro","Handle DTI Version."]
[null,null,{"$f":"C2281","v":12.7},"n","2023-02-07","D13915","S Greig","Workbook_Open","Handle DTI Version. Also added more end of line comments."]
[null,null,{"$f":"C2282","v":12.7},"n","2023-02-07","D13915","S Greig","DTI Calculation!C58","Changed from \"\" to \"='NSR Calculator'!J9\". The format was from C60."]
[null,null,{"$f":"C2283","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!rows 39-40","Inserted two rows for Scaled ACC Levy."]
[null,null,{"$f":"C2284","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!B39:B40","Setup the background colours."]
[null,null,{"$f":"C2285","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!B40","Changed from \"\" to \"Scaled ACC Levy\"."]
[null,null,{"$f":"C2286","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!D40,H40,L40,P40,S40,X40","Copied D43 to the cells for the formatting."]
[null,null,{"$f":"C2287","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!D40","Changed from \"\" to \"=Calculation!Y118\"."]
[null,null,{"$f":"C2288","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!H40","Changed from \"\" to \"=Calculation!AC118\"."]
[null,null,{"$f":"C2289","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!L40","Changed from \"\" to \"=Calculation!AG118\"."]
[null,null,{"$f":"C2290","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!P40","Changed from \"\" to \"=Calculation!AK118\"."]
[null,null,{"$f":"C2291","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!S40","Changed from \"\" to \"=SUM(D40,H40,L40,P40)\"."]
[null,null,{"$f":"C2292","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!X40","Changed from \"\" to \"=S40\"."]
[null,null,{"$f":"C2293","v":12.7},"p","2023-02-08","D13915","S Greig","DTI Calculation!X53","Changed from \"=X38+X50-X45\" to \"=X38-X40+X50-X45\"."]
[null,null,12.8,"a",{"$f":"E2294","v":"2023-02-08"},"D13915","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 12.8\"and leave the focus on cell C9."]
[null,null,{"$f":"C2295","v":12.8},"b","2023-02-08","D13915","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2296","v":12.8},"b","2023-02-08","D13915","S Greig","NSR Calculator!L4","Changed version to \"Version 12.8\" and leave the focus on cell C9."]
[null,null,{"$f":"C2297","v":12.8},"b","2023-02-08","D13915","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2298","v":12.8},"b","2023-02-08","D13915","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2299","v":12.8},"b","2023-02-08","D13915","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2300","v":12.8},"c","2023-02-08","D13915","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2301","v":12.8},"c","2023-02-08","D13915","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 12.8\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2302","v":12.8},"c","2023-02-08","D13915","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2303","v":12.8},"c","2023-02-08","D13915","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2304","v":12.8},"c","2023-02-08","D13915","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2305","v":12.8},"d","2023-02-08","D13915","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2306","v":12.8},"d","2023-02-08","D13915","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 12.8\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2307","v":12.8},"d","2023-02-08","D13915","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2308","v":12.8},"d","2023-02-08","D13915","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2309","v":12.8},"d","2023-02-08","D13915","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2310","v":12.8},"e","2023-02-08","D13915","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2311","v":12.8},"f","2023-02-14","D13915","S Greig","DTI Calculation!67-71 rows","Copy rows 67-71 and insert at 72. Delete rows 70 and 71 and adjust the totals."]
[null,null,{"$f":"C2312","v":12.8},"f","2023-02-14","D13915","S Greig","DTI Calculation!B72","Changed from \"Personal Loans/Credit Cards\" to \"Other\"."]
[null,null,{"$f":"C2313","v":12.8},"f","2023-02-14","D13915","S Greig","DTI Calculation!B73","Changed from \"Other Debt (including Credit Card)\" to \"Other Debt\"."]
[null,null,{"$f":"C2314","v":12.8},"f","2023-02-14","D13915","S Greig","DTI Calculation!B74","Changed from \"Total Personal Loan/Credit Card \" to \"Total Other\"."]
[null,null,{"$f":"C2315","v":12.8},"f","2023-02-14","D13915","S Greig","DTI Calculation!C76","Changed from \"=+C62+C66+C70\" to \"=C62+C66+C70+C74\"."]
[null,null,{"$f":"C2316","v":12.8},"f","2023-02-14","D13915","S Greig","DTI Calculation!C69","Changed from \"='NSR Calculator'!C116+'NSR Calculator'!C118\" to \"=IF(Calculation!C246<>Calculation!AH154,Calculation!G246,0)+IF(Calculation!C249<>Calculation!AH154,Calculation!G249,0)+IF(Calculation!C260=Calculation!AH161,Calculation!G260,0)+IF(Calculation!C262=Calculation!AH161,Calculation!G262,0)\"."]
[null,null,{"$f":"C2317","v":12.8},"f","2023-02-14","D13915","S Greig","DTI Calculation!C73","Changed from \"='NSR Calculator'!C130+'NSR Calculator'!C132\" to \"=IF(Calculation!C260<>Calculation!AH161,Calculation!G260,0)+IF(Calculation!C262<>Calculation!AH161,Calculation!G262,0)+IF(Calculation!C246=Calculation!AH154,Calculation!G246,0)+IF(Calculation!C249=Calculation!AH154,Calculation!G249,0)\"."]
[null,null,{"$f":"C2318","v":12.8},"g","2023-02-20","D13915","S Greig","DTI Output Report!B","Inserted column B."]
[null,null,12.8,"g","2023-02-20","D13915","S Greig","DTI Output Report!B1","Changed from \"\" to \"Header\"."]
[null,null,{"$f":"C2320","v":12.8},"g","2023-02-20","D13915","S Greig","DTI Output Report!B2","Changed from \"\" to \"=RIGHT(A2,6)\"."]
[null,null,{"$f":"C2321","v":12.8},"g","2023-02-20","D13915","S Greig","DTI Output Report!C2","Changed from \"='DTI Calculation'!C61\" to \"='DTI Calculation'!C62\"."]
[null,null,{"$f":"C2322","v":12.8},"g","2023-02-20","D13915","S Greig","DTI Output Report!D2","Changed from \"='DTI Calculation'!C62\" to \"='DTI Calculation'!C66\"."]
[null,null,{"$f":"C2323","v":12.8},"g","2023-02-20","D13915","S Greig","DTI Output Report!F2","Changed from \"='DTI Calculation'!C66\" to \"='DTI Calculation'!C74\"."]
[null,null,{"$f":"C2324","v":12.8},"g","2023-02-20","D13915","S Greig","DTI Output Report!I2","Changed from \"='DTI Calculation'!C61\" to \"='DTI Calculation'!C62\"."]
[null,null,{"$f":"C2325","v":12.8},"g","2023-02-20","D13915","S Greig","DTI Output Report!S2","Changed from \"='DTI Calculation'!S53\" to \"='DTI Calculation'!R53\"."]
[null,null,{"$f":"C2326","v":12.8},"g","2023-02-20","D13915","S Greig","DTI Calculation!C69","Changed from \"=IF(Calculation!C246<>Calculation!AH154,Calculation!G246,0)+IF(Calculation!C249<>Calculation!AH154,Calculation!G249,0)+IF(Calculation!C260=Calculation!AH161,Calculation!G260,0)+IF(Calculation!C262=Calculation!AH161,Calculation!G262,0)\" to \"=IF(Calculation!B246<4,Calculation!G246,0)+IF(Calculation!B249<4,Calculation!G249,0)+IF(Calculation!B260<3,Calculation!G260,0)+IF(Calculation!B262<3,Calculation!G262,0)\"."]
[null,null,{"$f":"C2327","v":12.8},"g","2023-02-20","D13915","S Greig","DTI Calculation!C73","Changed from \"=IF(Calculation!C260<>Calculation!AH161,Calculation!G260,0)+IF(Calculation!C262<>Calculation!AH161,Calculation!G262,0)+IF(Calculation!C246=Calculation!AH154,Calculation!G246,0)+IF(Calculation!C249=Calculation!AH154,Calculation!G249,0)\" to \"=IF(Calculation!B260>2,Calculation!G260,0)+IF(Calculation!C262>2,Calculation!G262,0)+IF(Calculation!C246>3,Calculation!G246,0)+IF(Calculation!C249>3,Calculation!G249,0)\"."]
[null,null,{"$f":"C2328","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Calculation!R49","Changed from \"=Calculation!J166*INDEX(Calculation!AK22:AK26,Calculation!G166,0)\" to \"=Calculation!J166\"."]
[null,null,{"$f":"C2329","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Calculation!C79","Changed from \"=C60/W53\" to \"\"."]
[null,null,{"$f":"C2330","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Calculation!C80","Changed from \"=C76/W53\" to \"\"."]
[null,null,{"$f":"C2331","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Calculation!B79","Changed from \"Loan to Income ratio (LTI)\" to \"\"."]
[null,null,{"$f":"C2332","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Calculation!B80","Changed from \"Total Debt to Income ratio (TDTI)\" to \"\"."]
[null,null,{"$f":"C2333","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Calculation!A78","Changed from \"RATIOS\" to \"\"."]
[null,null,{"$f":"C2334","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Calculation!78-81","Deleted rows."]
[null,null,{"$f":"C2335","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Output Report!Picture 1","Deleted reference picture."]
[null,null,{"$f":"C2336","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Output Report!4-8","Deleted rows."]
[null,null,{"$f":"C2337","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Output Report!B2","Changed from \"=RIGHT(A2,6)\" to \"=IF(A2=0,0,IF(MID(A2,8,1)=\"-\",MID(A2,9,6),IF(MID(A2,7,1)=\"-\",MID(A2,8,6),IF(MID(A2,6,1)=\"-\",MID(A2,7,6),IF(MID(A2,5,1)=\"-\",MID(A2,6,6),IF(MID(A2,4,1)=\"-\",MID(A2,5,6),RIGHT(A2,6)))))))\"."]
[null,null,{"$f":"C2338","v":12.8},"h","2023-02-20","D13915","S Greig","DTI Calculation!C73","Changed from \"…\" to \"=IF(Calculation!B246>3,Calculation!G246,0)+IF(Calculation!B249>3,Calculation!G249,0)+IF(Calculation!B260>2,Calculation!G260,0)+IF(Calculation!B262>2,Calculation!G262,0)\"."]
[null,null,{"$f":"C2339","v":12.8},"i","2023-02-20","D13915","S Greig","Workbook_Open","Remove reference to Sheet6 (DTI Report)."]
[null,null,{"$f":"C2340","v":12.8},"i","2023-02-20","D13915","S Greig","DTI Report!","Deleted this sheet."]
[null,null,{"$f":"C2341","v":12.8},"k","2023-02-20","D13915","S Greig","lockup_macro","Renamed \"DTI Output Report\" to \"DTI Report\"."]
[null,null,{"$f":"C2342","v":12.8},"k","2023-02-20","D13915","S Greig","DTI Report!","Renamed \"DTI Output Report\" to \"DTI Report\"."]
[null,null,{"$f":"C2343","v":12.8},"l","2023-02-20","D13915","S Greig","DTI Report!A1::S1","Centered the headings and changed background to grey."]
[null,null,{"$f":"C2344","v":12.8},"l","2023-02-20","D13915","S Greig","DTI Report!A3::S20","Changed the backgound to grey."]
[null,null,{"$f":"C2345","v":12.8},"l","2023-02-20","D13915","S Greig","DTI Report!T1::T20","Changed the backgound to grey."]
[null,null,{"$f":"C2346","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Report!A3::S20","Changed the backgound to no fill."]
[null,null,{"$f":"C2347","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Report!T1::T20","Changed the backgound to no fill."]
[null,null,{"$f":"C2348","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Report!A2","Changed the cell format to General and centered."]
[null,null,{"$f":"C2349","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Report!A2","Changed from \"='DTI Calculation'!C57\" to \"=IF('DTI Calculation'!C57=0,\"\",'DTI Calculation'!C57)\"."]
[null,null,{"$f":"C2350","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Calculation!D57,G57,H57,K57","Copied C57 to the other cells for formatting. These are for other account numbers."]
[null,null,{"$f":"C2351","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Calculation!D56-K56","Added \"Account n\" labels."]
[null,null,{"$f":"C2352","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Report!A3-A6","Dragged A2 to A6."]
[null,null,{"$f":"C2353","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Report!A3","Changed to \"=IF('DTI Calculation'!D57=0,\"\",'DTI Calculation'!D57)\"."]
[null,null,{"$f":"C2354","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Report!A4","Changed to \"=IF('DTI Calculation'!G57=0,\"\",'DTI Calculation'!G57)\"."]
[null,null,{"$f":"C2355","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Report!A5","Changed to \"=IF('DTI Calculation'!H57=0,\"\",'DTI Calculation'!H57)\"."]
[null,null,{"$f":"C2356","v":12.8},"n","1900-01-21","D13915","S Greig","DTI Report!A6","Changed to \"=IF('DTI Calculation'!K57=0,\"\",'DTI Calculation'!K57)\"."]
[null,null,{"$f":"C2357","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!B3-B6","Dragged B2 to B3-B6."]
[null,null,{"$f":"C2358","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!H2","Changed to \"=G2\"."]
[null,null,{"$f":"C2359","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!G3","Changed to \"=IF(A3=\"\",\"\",G2)\"."]
[null,null,{"$f":"C2360","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!G4-G6","Dragged G3 to G4-G6."]
[null,null,{"$f":"C2361","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!R2","Changed to \"=Q2\"."]
[null,null,{"$f":"C2362","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!Q3","Changed to \"=IF(A3=\"\",\"\",Q2)\"."]
[null,null,{"$f":"C2363","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!Q4-Q6","Dragged Q3 to Q4-Q6."]
[null,null,{"$f":"C2364","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!S3","Changed to \"=IF(A3=\"\",\"\",S2)\"."]
[null,null,{"$f":"C2365","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!S4-S6","Dragged S3 to S4-S6."]
[null,null,{"$f":"C2366","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!G3-G6,I3-I6,Q3-Q6,S3-S6","Changed format for customer \"_(* #,##0.00_);_(* (#,##0.00);_(* \"\"??_);_(@_)\"."]
[null,null,{"$f":"C2367","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!I3","Changed to \"=IF(A3=\"\",\"\",I2)\"."]
[null,null,{"$f":"C2368","v":12.8},"o","2023-01-22","D13915","S Greig","DTI Report!I4-I6","Dragged I3 to I4-I6."]
[null,null,{"$f":"C2369","v":12.8},"p","2023-01-22","D13915","S Greig","DTI Report!P2","Changed format from \"_(* #,##0.00_);_(* (#,##0.00);_(* \"-\"??_);_(@_)\" to Number red negative with and 2 decimal places."]
[null,null,12.9,"a","1900-01-23",{"$f":"F2370","v":"D13915"},"S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 12.9\"and leave the focus on cell C9."]
[null,null,{"$f":"C2371","v":12.9},"b","1900-01-23","D13915","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2372","v":12.9},"b","1900-01-23","D13915","S Greig","NSR Calculator!L4","Changed version to \"Version 12.9\" and leave the focus on cell C9."]
[null,null,{"$f":"C2373","v":12.9},"b","1900-01-23","D13915","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2374","v":12.9},"b","1900-01-23","D13915","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2375","v":12.9},"b","1900-01-23","D13915","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2376","v":12.9},"c","1900-01-23","D13915","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2377","v":12.9},"c","1900-01-23","D13915","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 12.9\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2378","v":12.9},"c","1900-01-23","D13915","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2379","v":12.9},"c","1900-01-23","D13915","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2380","v":12.9},"c","1900-01-23","D13915","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2381","v":12.9},"d","1900-01-23","D13915","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2382","v":12.9},"d","1900-01-23","D13915","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 12.9\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2383","v":12.9},"d","1900-01-23","D13915","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2384","v":12.9},"d","1900-01-23","D13915","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2385","v":12.9},"d","1900-01-23","D13915","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2386","v":12.9},"e","1900-01-23","D13915","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2387","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!Columns E,F","Inserted two columns at E."]
[null,null,{"$f":"C2388","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!Columns J,K","Inserted two columns at J."]
[null,null,{"$f":"C2389","v":12.9},"g","1900-01-23","D13990","S Greig","Calculation!Z74:Z119","Inserted cells and shifted right."]
[null,null,{"$f":"C2390","v":12.9},"g","1900-01-23","D13990","S Greig","Calculation!AB74:AB119","Inserted cells and shifted right."]
[null,null,{"$f":"C2391","v":12.9},"g","1900-01-23","D13990","S Greig","Calculation!AF74:AF119","Inserted cells and shifted right."]
[null,null,{"$f":"C2392","v":12.9},"g","1900-01-23","D13990","S Greig","Calculation!AH74:AH119","Inserted cells and shifted right."]
[null,null,{"$f":"C2393","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!E27:E51","Added Check boxes for Student Loan."]
[null,null,{"$f":"C2394","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!J27:J51","Added Check boxes for Student Loan."]
[null,null,{"$f":"C2395","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!F27:F51","Full border for Kiwi Saver cells."]
[null,null,{"$f":"C2396","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!K27:K51","Full border for Kiwi Saver cells."]
[null,null,{"$f":"C2397","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!E27:E51,J27:J51","Use Edit Text and clear text; resized; aligned left and moved into place."]
[null,null,{"$f":"C2398","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!E and J","Set the column width to 1.71."]
[null,null,{"$f":"C2399","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!F and G","Set the column width to 3.29."]
[null,null,{"$f":"C2400","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!F27:F51,K27:K51","Set format to percentage and centered layout."]
[null,null,{"$f":"C2401","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!E22:F53,J22:K53","Set the background to light grey."]
[null,null,{"$f":"C2402","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!F22:F53,K22:K53","Set Kiwi Saver cells to No Fill."]
[null,null,{"$f":"C2403","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!J15:K15","Set the background to light grey."]
[null,null,{"$f":"C2404","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!J16","Moved Number of Adults spin button next to input cell."]
[null,null,{"$f":"C2405","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!E60:F68,J60:K68","Set the background to light grey."]
[null,null,{"$f":"C2406","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!E60,J60","Moved the \"%\" next to the cell."]
[null,null,{"$f":"C2407","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!E74:F118,J74:K77","Set the background to light grey."]
[null,null,{"$f":"C2408","v":12.9},"g","1900-01-23","D13990","S Greig","NSR Calculator!E140:F142","Set the background to light grey."]
[null,null,{"$f":"C2409","v":12.9},"h","1900-01-23","D13990","S Greig","NSR Calculator!G,L,O,R","Changed column widths from 2.57 to 1.00."]
[null,null,{"$f":"C2410","v":12.9},"h","1900-01-23","D13990","S Greig","NSR Calculator!N87","Added two spaces before \"Refer\" so it formated correctly."]
[null,null,{"$f":"C2411","v":12.9},"h","1900-01-23","D13990","S Greig","NSR Calculator!C58:C60,H58:H60","Deleted the dropdown controls for Applicant 1 and 2 Student Loan and Kiwi Saver."]
[null,null,{"$f":"C2412","v":12.9},"h","1900-01-23","D13990","S Greig","NSR Calculator!D60:J60","Delete and clear the Kiwi Saver other entry boxes."]
[null,null,{"$f":"C2413","v":12.9},"i","2023-02-27","D13990","S Greig","NSR Calculator!E27:E51,J27:J51","Mapped the controls to cells in Calculation! Sheet. Z77:Z101, AF77:AF101."]
[null,null,{"$f":"C2414","v":12.9},"j","2023-02-27","D13990","S Greig","NSR Calculator!F27:F51,K27:K51","Set the cell format to Percentage with zero decimal places."]
[null,null,{"$f":"C2415","v":12.9},"j","2023-02-27","D13990","S Greig","Calculation!AB77:AB101, AH77:AH101","Link the cells to the input cells on NSR Calculator! Sheet."]
[null,null,{"$f":"C2416","v":12.9},"k","2023-02-27","D13990","S Greig","Calculation!AA77","Changed from \"=IF($H$47=$AH$30,IF(G77>$AK$30,(G77-$AK$30)*$AL$30,0),0)\" to \"=IF(Z77,IF(G77>$AK$30,(G77-$AK$30)*$AL$30,0),0)\"."]
[null,null,{"$f":"C2417","v":12.9},"k","2023-02-27","D13990","S Greig","Calculation!AA78","Changed from \"=IF($H$47=$AH$30,IF(G78>$AK$30,(G78-$AK$30)*$AL$30,0),0)\" to \"=IF(Z77,IF(G78>$AK$30,(G78-$AK$30)*$AL$30,0),0)\"."]
[null,null,{"$f":"C2418","v":12.9},"k","2023-02-27","D13990","S Greig","Calculation!AA80:AA102,AG77:AG102","Adjust the formulars accordingly."]
[null,null,{"$f":"C2419","v":12.9},"l","2023-02-28","D13990","S Greig","Calculation!AC77","Changed from \"=IF($H$49=$AH$33,0,IF(ISNUMBER($H$49),$H$49,$I$49/100))*G77\" to \"=G77*AB77\"."]
[null,null,{"$f":"C2420","v":12.9},"l","2023-02-28","D13990","S Greig","Calculation!AC78","Changed from \"=IF($H$49=$AH$33,0,IF(ISNUMBER($H$49),$H$49,$I$49/100))*G78\" to \"=G78*AB77\"."]
[null,null,{"$f":"C2421","v":12.9},"l","2023-02-28","D13990","S Greig","Calculation!AC80:AC102,AI77:AI102","Adjust the formulars accordingly."]
[null,null,{"$f":"C2422","v":12.9},"m","2023-02-28","D13990","S Greig","Calculation!AC80","Changed from \"=G80*AB80\" to \"=(G80-G79)*AB80\"."]
[null,null,{"$f":"C2423","v":12.9},"m","2023-02-28","D13990","S Greig","Calculation!AC81","Changed from \"=G81*AB80\" to \"=(G81-G79)*AB80\"."]
[null,null,{"$f":"C2424","v":12.9},"m","2023-02-28","D13990","S Greig","Calculation!AC82","Changed from \"=MAX(AC80:AC81)\" to \"=MAX(AC80:AC81)+AC79\"."]
[null,null,{"$f":"C2425","v":12.9},"m","2023-02-28","D13990","S Greig","Calculation!AC80:AC102,AI77:AI102","Adjust the formulars accordingly."]
[null,null,{"$f":"C2426","v":12.9},"m","2023-02-28","D13990","S Greig","Calculation!AC77","Changed from \"=G77*AB77\" to \"=IF(OR(G77=0,AB77=0),0,G77*AB77)\"."]
[null,null,{"$f":"C2427","v":12.9},"m","2023-02-28","D13990","S Greig","Calculation!AC78","Changed from \"=G78*AB77\" to \"=IF(OR(G78=0,AB77=0),0,G78*AB77)\"."]
[null,null,{"$f":"C2428","v":12.9},"m","2023-02-28","D13990","S Greig","Calculation!AC80","Changed from \"=(G80-G79)*AB80\" to \"=IF(OR(G80=0,AB80=0),0,(G80-G79)*AB80)\"."]
[null,null,{"$f":"C2429","v":12.9},"m","2023-02-28","D13990","S Greig","Calculation!AC81","Changed from \"=(G81-G79)*AB80\" to \"=IF(OR(G81=0,AB80=0),0,(G81-G79)*AB80)\"."]
[null,null,{"$f":"C2430","v":12.9},"o","2023-03-08","D13990","S Greig","Calculation!AC80:AC102,AI77:AI102","Adjust the formulars accordingly."]
[null,null,{"$f":"C2431","v":12.9},"o","2023-03-08","D13990","S Greig","Calculation Parameters!C45","Changed from \"5.75%\" to \"6.00%\". SBS Foundation Base Rate."]
[null,null,{"$f":"C2432","v":12.9},"o","2023-03-08","D13990","S Greig","Calculation Parameters!C19:C20","Changed from \"0.0146\" to \"0.0153\". ACC Levy Rate."]
[null,null,{"$f":"C2433","v":12.9},"o","2023-03-08","D13990","S Greig","Calculation Parameters!Z18:AA20","Added the history to the end."]
[null,null,{"$f":"C2434","v":12.9},"p","2023-03-16","D13990","S Greig","Calculation Parameters!B35","Changed from \"21268\" to \"22828\". Student Loan Threshold."]
[null,null,{"$f":"C2435","v":12.9},"p","2023-03-16","D13990","S Greig","Calculation Parameters!N33:N35","Added the history to the end."]
[null,null,{"$f":"C2436","v":12.9},"p","2023-03-16","D13990","S Greig","Calculation Parameters!D19:D20","Changed from \"1993.54\" to \"2132.57\"."]
[null,null,{"$f":"C2437","v":12.9},"p","2023-03-16","D13990","S Greig","Calculation Parameters!Z17:AE20","Added the history and next year's to the end."]
[null,null,{"$f":"C2438","v":12.9},"q","2023-03-20","D13990","S Greig","NSR Calculator!E25,J25","Changed from \"\" to \"SL\"."]
[null,null,{"$f":"C2439","v":12.9},"q","2023-03-20","D13990","S Greig","NSR Calculator!F25,K25","Changed from \"\" to \"KS\"."]
[null,null,{"$f":"C2440","v":12.9},"q","2023-03-20","D13990","S Greig","NSR Calculator!E25:F25,J25:K25","Made center aligned."]
[null,null,{"$f":"C2441","v":12.9},"r","2023-03-20","D13990","S Greig","Calculation!AA80","Changed from \"=IF(Z80,IF(G80>$AK$30,(G80-$AK$30)*$AL$30,0),0)\" to \"=IF(Z80,IF(G80>$AK$30,(G80-$AK$30)*$AL$30,0),AA79)\"."]
[null,null,{"$f":"C2442","v":12.9},"r","2023-03-20","D13990","S Greig","Calculation!AA81","Changed from \"=IF(Z80,IF(G81>$AK$30,(G81-$AK$30)*$AL$30,0),0)\" to \"\"."]
[null,null,{"$f":"C2443","v":12.9},"r","2023-03-20","D13990","S Greig","Calculation!AA83:AA102,AG80:AG102","Made the equivalent changes to the rest of the column and for applicant 2 for Student Loan calculations."]
[null,null,{"$f":"C2444","v":12.9},"s","2023-03-20","D13990","S Greig","ThisWorkbook:Workbook_Open","Updated cell references."]
[null,null,{"$f":"C2445","v":12.9},"t","2023-03-20","D13990","S Greig","Sheet7:CheckBox_Click","Updated cell references."]
[null,null,{"$f":"C2446","v":12.9},"t","2023-03-20","D13990","S Greig","Sheet7:Update_Click","Updated cell references."]
[null,null,{"$f":"C2447","v":12.9},"t","2023-03-20","D13990","S Greig","Sheet7:Worksheet_Change","Updated cell references."]
[null,null,{"$f":"C2448","v":12.9},"t","2023-03-20","D13990","S Greig","Sheet7:ScenarioUpdate","Updated cell references."]
[null,null,{"$f":"C2449","v":12.9},"t","2023-03-20","D13990","S Greig","Sheet7:ScenarioClear","Updated cell references."]
[null,null,{"$f":"C2450","v":12.9},"u","2023-03-21","D13990","S Greig","Sheet7:ScenarioDraw","Updated cell references."]
[null,null,{"$f":"C2451","v":12.9},"u","2023-03-21","D13990","S Greig","Sheet7:SetupPrintArea","Updated cell references."]
[null,null,12.9,"u","2023-03-21","D13990","S Greig","Module1:unlock_macro","Updated cell references."]
[null,null,{"$f":"C2453","v":12.9},"u","2023-03-21","D13990","S Greig","Module1:lockup_macro","Updated cell references."]
[null,null,{"$f":"C2454","v":12.9},"u","2023-03-21","D13990","S Greig","Module1:AutoEventMethod","Updated cell references."]
[null,null,{"$f":"C2455","v":12.9},"u","2023-03-21","D13990","S Greig","Module1:ResetForm_ClearContents","Updated cell references."]
[null,null,{"$f":"C2456","v":12.9},"u","2023-03-21","D13990","S Greig","Module1:ClearHouseholds","Updated cell references."]
[null,null,{"$f":"C2457","v":12.9},"u","2023-03-21","D13990","S Greig","Module1:Save_Application","Updated cell references."]
[null,null,{"$f":"C2458","v":12.9},"u","2023-03-21","D13990","S Greig","Module3:AutoTest","Updated cell references."]
[null,null,13,"a",{"$f":"E2459","v":"2023-03-21"},"D13990","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 13.0\"and leave the focus on cell C9."]
[null,null,{"$f":"C2460","v":13},"b","2023-03-21","D13990","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2461","v":13},"b","2023-03-21","D13990","S Greig","NSR Calculator!L4","Changed version to \"Version 13.0\" and leave the focus on cell C9."]
[null,null,{"$f":"C2462","v":13},"b","2023-03-21","D13990","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2463","v":13},"b","2023-03-21","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2464","v":13},"b","2023-03-21","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2465","v":13},"c","2023-03-21","D13990","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2466","v":13},"c","2023-03-21","D13990","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 13.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2467","v":13},"c","2023-03-21","D13990","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2468","v":13},"c","2023-03-21","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2469","v":13},"c","2023-03-21","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2470","v":13},"d","2023-03-21","D13990","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C2471","v":13},"d","2023-03-21","D13990","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 13.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2472","v":13},"d","2023-03-21","D13990","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2473","v":13},"d","2023-03-21","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2474","v":13},"d","2023-03-21","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2475","v":13},"e","2023-03-21","D13990","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2476","v":13},"e","2023-03-21","D13990","S Greig","Module1:ResetForm_ClearContents","Clear the Student Loan check boxes and the Kiwi Saver percent boxes."]
[null,null,13.1,"a","2023-03-22","D13990","S Greig","Based on 12.9e - HARD FORK","Future version based on previous version for regulatory changes."]
[null,null,{"$f":"C2478","v":13.1},"a","2023-03-22","D13990","S Greig","Calculation Parameters!C45","Changed from \"5.75%\" to \"6.00%\". SBS Foundation Base Rate."]
[null,null,13.1,"a","2023-03-22","D13990","S Greig","Calculation Parameters!C19:C20","Changed from \"0.0146\" to \"0.0153\". ACC Levy Rate."]
[null,null,13.1,"a","2023-03-22","D13990","S Greig","Calculation Parameters!D19:D20","Changed from \"1993.54\" to \"2132.57\"."]
[null,null,13.1,"a","2023-03-22","D13990","S Greig","Calculation Parameters!Z18:AA20","Added the history to the end."]
[null,null,13.1,"a","2023-03-22","D13990","S Greig","Calculation Parameters!B35","Changed from \"21268\" to \"22828\". Student Loan Threshold."]
[null,null,13.1,"a","2023-03-22","D13990","S Greig","Calculation Parameters!N33:N35","Added the history to the end."]
[null,null,13.1,"a","2023-03-22","D13990","S Greig","Calculation Parameters!Z17:AE20","Added the history and next year's to the end."]
[null,null,13.1,"b","2023-03-22","D13990","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,13.1,"b","2023-03-22","D13990","S Greig","NSR Calculator!L4","Changed version to \"Version 13.1\" and leave the focus on cell C9."]
[null,null,13.1,"b","2023-03-22","D13990","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,13.1,"b","2023-03-22","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,13.1,"b","2023-03-22","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,13.1,"c","2023-03-22","D13990","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,13.1,"c","2023-03-22","D13990","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 13.1\"and leave the focus on cell C9. "]
[null,null,13.1,"c","2023-03-22","D13990","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,13.1,"c","2023-03-22","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2494","v":13.1},"c","2023-03-22","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,13.1,"d","2023-03-22","D13990","S Greig","To create the DTI version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,13.1,"d","2023-03-22","D13990","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 13.1\"and leave the focus on cell C9. "]
[null,null,13.1,"d","2023-03-22","D13990","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,13.1,"d","2023-03-22","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,13.1,"d","2023-03-22","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,13.1,"d","2023-03-22","D13990","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,13.22,"a","2023-03-22","D13990","S Greig","Based on 13.0e - Back to Development","Continue with Student Loan and Kiwi Saver changes."]
[null,null,{"$f":"C2502","v":13.22},"a","2023-03-22","D13990","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 13.2\"and leave the focus on cell C9."]
[null,null,13.22,"b","2023-03-22","D13990","S Greig","NSR Calculator!D58,D60,I58,I60","Changed the format to custom \"_-$* #,##0_-;-$* #,##0_-;_-$* \"-\"??_-;_-@_-\"."]
[null,null,{"$f":"C2504","v":13.22},"b","2023-03-22","D13990","S Greig","NSR Calculator!D58","Changed from \"\" to \"=Calculation!I121\"."]
[null,null,{"$f":"C2505","v":13.22},"b","2023-03-22","D13990","S Greig","NSR Calculator!D60","Changed from \"\" to \"=Calculation!I123\". The cell was also locked."]
[null,null,{"$f":"C2506","v":13.22},"b","2023-03-22","D13990","S Greig","NSR Calculator!I58","Changed from \"\" to \"=Calculation!M121\"."]
[null,null,{"$f":"C2507","v":13.22},"b","2023-03-22","D13990","S Greig","NSR Calculator!I60","Changed from \"\" to \"=Calculation!M123\". He cell was also locked."]
[null,null,13.22,"b","2023-03-22","D13990","S Greig","Module1:ResetForm_ClearContents","Do not clear Kiwi Svaer for the first 2 applicants."]
[null,null,{"$f":"C2509","v":13.22},"c",{"$f":"E2509","v":"2023-03-22"},"D13990","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2510","v":13.22},"c","2023-03-22","D13990","S Greig","NSR Calculator!L4","Changed version to \"Version 13.2\" and leave the focus on cell C9."]
[null,null,{"$f":"C2511","v":13.22},{"$f":"D2511","v":"c"},"2023-03-22","D13990","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2512","v":13.22},"c","2023-03-22","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2513","v":13.22},"c","2023-03-22","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2514","v":13.22},"d","2023-03-22","D13990","S Greig","To create the next version","Based the new version on the previously unlocked \"b\" version and add a letter to the end."]
[null,null,{"$f":"C2515","v":13.22},"d","2023-03-23","D13990","S Greig","Sheet7:CheckBox_Click","Correct First Home loan tick."]
[null,null,{"$f":"C2516","v":13.22},"d","2023-03-23","D13990","S Greig","Sheet7:SetupHouseholds","Correct hiding columns for First Home."]
[null,null,{"$f":"C2517","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!T,P,O,U","Added 4 columns for applicants 3 and 4."]
[null,null,{"$f":"C2518","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!O8:P68,O74:P77","Set the background colours to light grey."]
[null,null,{"$f":"C2519","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!T23:U68,T74:U77","Set the background colours to light grey."]
[null,null,{"$f":"C2520","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!O9","Moved years from Q9."]
[null,null,{"$f":"C2521","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!O60","Moved % from Q60."]
[null,null,{"$f":"C2522","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!T60","Moved % from U60."]
[null,null,{"$f":"C2523","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!O,T","Set the column widths to 17 pixels."]
[null,null,{"$f":"C2524","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!P,U","Set the column widths to 28 pixels."]
[null,null,{"$f":"C2525","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!T144:U156","Set the background colours to light grey."]
[null,null,{"$f":"C2526","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!N87:T90","Unmerged N87:V91 and merge with less as there are more columns."]
[null,null,{"$f":"C2527","v":13.22},"f","2023-03-23","D13990","S Greig","NSR Calculator!N91:V91","Set the background colours to light grey."]
[null,null,{"$f":"C2528","v":13.22},"g","2023-03-23","D13990","S Greig","NSR Calculator!O27:O51","Added Check boxes for Student Loan."]
[null,null,{"$f":"C2529","v":13.22},"h","2023-03-23","D13990","S Greig","NSR Calculator!T27:T51","Added Check boxes for Student Loan."]
[null,null,{"$f":"C2530","v":13.22},"h","2023-03-23","D13990","S Greig","NSR Calculator!P27:P51","Full border for Kiwi Saver cells."]
[null,null,{"$f":"C2531","v":13.22},"h","2023-03-23","D13990","S Greig","NSR Calculator!U27:U51","Full border for Kiwi Saver cells."]
[null,null,{"$f":"C2532","v":13.22},"h","2023-03-23","D13990","S Greig","NSR Calculator!O27:O51,T27:TJ51","Use Edit Text and clear text; resized; aligned left and moved into place."]
[null,null,{"$f":"C2533","v":13.22},"h","2023-03-23","D13990","S Greig","NSR Calculator!O25,U25","Changed from \"\" to \"SL\"."]
[null,null,{"$f":"C2534","v":13.22},"h","2023-03-23","D13990","S Greig","NSR Calculator!P25,V25","Changed from \"\" to \"KS\"."]
[null,null,{"$f":"C2535","v":13.22},"i","2023-03-27","D13990","S Greig","Calculation!Al74:Al119","Inserted cells and shifted right."]
[null,null,{"$f":"C2536","v":13.22},"i","2023-03-27","D13990","S Greig","Calculation!AN74:AN119","Inserted cells and shifted right."]
[null,null,{"$f":"C2537","v":13.22},"i","2023-03-27","D13990","S Greig","Calculation!AR74:AR119","Inserted cells and shifted right."]
[null,null,{"$f":"C2538","v":13.22},"i","2023-03-27","D13990","S Greig","Calculation!AT74:AT119","Inserted cells and shifted right."]
[null,null,{"$f":"C2539","v":13.22},"i","2023-03-27","D13990","S Greig","NSR Calculator!O27:O51","Linked the cells to Calculation sheet."]
[null,null,{"$f":"C2540","v":13.22},"i","2023-03-27","D13990","S Greig","NSR Calculator!T27:T51","Linked the cells to Calculation sheet."]
[null,null,{"$f":"C2541","v":13.22},"i","2023-03-27","D13990","S Greig","Calculation!AN77:AN103,AT77:AT103","Formatted the cells to be percentage."]
[null,null,{"$f":"C2542","v":13.22},"i","2023-03-27","D13990","S Greig","NSR Calculator!P27:P51,U27:U51","Formatted the cells to be percentage."]
[null,null,{"$f":"C2543","v":13.22},"i","2023-03-27","D13990","S Greig","Calculation!AN77:AN101,AT77:AT101","Linked cells with the NSR Calculator sheet."]
[null,null,{"$f":"C2544","v":13.22},"j","2023-03-27","D13990","S Greig","Calculation!AM77","Changed from \"=IF($P$47=$AH$30,IF(O77>$AK$30,(O77-$AK$30)*$AL$30,0),0)\" to \"=IF(AL77,IF(O77>$AK$30,(O77-$AK$30)*$AL$30,0),0)\"."]
[null,null,{"$f":"C2545","v":13.22},"j","2023-03-27","D13990","S Greig","Calculation!AM78","Changed from \"=IF($P$47=$AH$30,IF(O78>$AK$30,(O78-$AK$30)*$AL$30,0),0)\" to \"=IF(AL77,IF(O78>$AK$30,(O78-$AK$30)*$AL$30,0),0)\"."]
[null,null,{"$f":"C2546","v":13.22},"j","2023-03-27","D13990","S Greig","Calculation!AM80","Changed from \"=IF($P$47=$AH$30,IF(O80>$AK$30,(O80-$AK$30)*$AL$30,0),0)\" to \"=IF(AL80,IF(O80>$AK$30,(O80-$AK$30)*$AL$30,0),AM79)\"."]
[null,null,{"$f":"C2547","v":13.22},"j","2023-03-27","D13990","S Greig","Calculation!AM81","Changed from \"=IF($P$47=$AH$30,IF(O81>$AK$30,(O81-$AK$30)*$AL$30,0),0)\" to \"=IF(AL80,IF(O81>$AK$30,(O81-$AK$30)*$AL$30,0),AM79)\"."]
[null,null,{"$f":"C2548","v":13.22},"j","2023-03-27","D13990","S Greig","Calculation!AM83:AM102,AS77:AS102","Change the formulas to match the previous examples."]
[null,null,{"$f":"C2549","v":13.22},"h","2023-03-28","D13990","S Greig","NSR Calculator!M58:T60","Cleared the Student Loan and Kiwi Saver input boxes."]
[null,null,{"$f":"C2550","v":13.22},"h","2023-03-28","D13990","S Greig","NSR Calculator!N58:S60","Linked Student Loan and Kiwi Saver to Calculation sheet."]
[null,null,{"$f":"C2551","v":13.22},"l","2023-03-28","D13990","S Greig","Calculation!AO77","Changed from \"=IF($P$49=$AH$33,0,IF(ISNUMBER($P$49),$P$49,$Q$49/100))*O77\" to \"=IF(OR(O77=0,AN77=0),0,O77*AN77)\"."]
[null,null,{"$f":"C2552","v":13.22},"l","2023-03-28","D13990","S Greig","Calculation!AO78","Changed from \"=IF($P$49=$AH$33,0,IF(ISNUMBER($P$49),$P$49,$Q$49/100))*O78\" to \"=IF(OR(O77=0,AN77=0),0,O77*AN77)\"."]
[null,null,{"$f":"C2553","v":13.22},"l","2023-03-28","D13990","S Greig","Calculation!AO80","Changed from \"=IF($P$49=$AH$33,0,IF(ISNUMBER($P$49),$P$49,$Q$49/100))*O80\" to \"=IF(OR(O80=0,AN80=0),0,(O80-O79)*AN80)\"."]
[null,null,{"$f":"C2554","v":13.22},"l","2023-03-28","D13990","S Greig","Calculation!AO81","Changed from \"=IF($P$49=$AH$33,0,IF(ISNUMBER($P$49),$P$49,$Q$49/100))*O81\" to \"=IF(OR(O81=0,AN80=0),0,(O81-O79)*AN80)\"."]
[null,null,{"$f":"C2555","v":13.22},"l","2023-03-28","D13990","S Greig","Calculation!AO82","Changed from \"=MAX(AO80:AO81)\" to \"=MAX(AO80:AO81)+AO79\"."]
[null,null,{"$f":"C2556","v":13.22},"l","2023-03-28","D13990","S Greig","Calculation!AO83:AO103,AU77:AU103","Changed the Kiwi Saver formulas to match the above."]
[null,null,{"$f":"C2557","v":13.22},"m","2023-03-28","D13990","S Greig","ThisWorkbook:Workbook_Open","Updated cell references."]
[null,null,{"$f":"C2558","v":13.22},"m","2023-03-28","D13990","S Greig","Sheet7:CheckBox_Click","Updated cell references."]
[null,null,{"$f":"C2559","v":13.22},"m","2023-03-28","D13990","S Greig","Sheet7:Update_Click","Updated cell references."]
[null,null,{"$f":"C2560","v":13.22},"m","2023-03-28","D13990","S Greig","Sheet7:Worksheet_Change","Updated cell references."]
[null,null,{"$f":"C2561","v":13.22},"m","2023-03-28","D13990","S Greig","Sheet7:ScenarioUpdate","Updated cell references."]
[null,null,{"$f":"C2562","v":13.22},"m","2023-03-28","D13990","S Greig","Sheet7:ScenarioClear","Updated cell references."]
[null,null,{"$f":"C2563","v":13.22},"m","2023-03-28","D13990","S Greig","Sheet7:ScenarioDraw","Updated cell references."]
[null,null,{"$f":"C2564","v":13.22},"m","2023-03-28","D13990","S Greig","Sheet7:SetupPrintArea","Updated cell references."]
[null,null,{"$f":"C2565","v":13.22},"m","2023-03-28","D13990","S Greig","Sheet7:SetupHouseholds","Updated cell references."]
[null,null,{"$f":"C2566","v":13.22},"m","2023-03-28","D13990","S Greig","Module1:unlock_macro","Updated cell references."]
[null,null,{"$f":"C2567","v":13.22},"m","2023-03-28","D13990","S Greig","Module1:AutoEventMethod","Updated cell references."]
[null,null,{"$f":"C2568","v":13.22},"m","2023-03-28","D13990","S Greig","Module1:ResetForm_ClearContents","Updated cell references."]
[null,null,{"$f":"C2569","v":13.22},"m","2023-03-28","D13990","S Greig","Module1:ClearHouseholds","Updated cell references."]
[null,null,{"$f":"C2570","v":13.22},"m","2023-03-28","D13990","S Greig","Module1:Save_Application","Updated cell references."]
[null,null,{"$f":"C2571","v":13.22},"m","2023-03-28","D13990","S Greig","Module3:AutoTest","Updated cell references."]
[null,null,{"$f":"C2572","v":13.22},"n","2023-03-28","D13990","S Greig",null,"Works well for 4 applicants."]
[null,null,{"$f":"C2573","v":13.22},"o","2023-03-28","D13990","S Greig","Calc2!Z74:119 ->AB,AF,AH,AL,AN,AR,AT","Added columns and shifted right."]
[null,null,{"$f":"C2574","v":13.22},"o","2023-03-28","D13990","S Greig","Calc3!Z74:119 ->AB,AF,AH,AL,AN,AR,AT","Added columns and shifted right."]
[null,null,{"$f":"C2575","v":13.22},"o","2023-03-28","D13990","S Greig","Calc4!Z74:119 ->AB,AF,AH,AL,AN,AR,AT","Added columns and shifted right."]
[null,null,{"$f":"C2576","v":13.22},"p","2023-03-28","D13990","S Greig","Calc2!X75:AU118","Copied from Calculation sheet."]
[null,null,{"$f":"C2577","v":13.22},"p","2023-03-28","D13990","S Greig","Calc3!X75:AU118","Copied from Calculation sheet."]
[null,null,{"$f":"C2578","v":13.22},"p","2023-03-28","D13990","S Greig","Calc4!X75:AU118","Copied from Calculation sheet."]
[null,null,{"$f":"C2579","v":13.22},"p","2023-03-28","D13990","S Greig","Calc2!AN77:AT101","Cleared the cell lookups."]
[null,null,{"$f":"C2580","v":13.22},"p","2023-03-28","D13990","S Greig","Calc3!AN77:AT101","Cleared the cell lookups."]
[null,null,{"$f":"C2581","v":13.22},"p","2023-03-28","D13990","S Greig","Calc4!AN77:AT101","Cleared the cell lookups."]
[null,null,{"$f":"C2582","v":13.22},"p","2023-03-28","D13990","S Greig","NSR Calculator!Z,AA,AE,AF,AP,AQ,AV,AW,BA,BB","Added columns for Student Loan and Kiwi Saver for other households."]
[null,null,{"$f":"C2583","v":13.22},"p","2023-03-28","D13990","S Greig","NSR Calculator!X15:BC:90","Formatted the backgounds and moved controls to match."]
[null,null,{"$f":"C2584","v":13.22},"p","2023-03-28","D13990","S Greig","NSR Calculator!AA27:AA51,AF,AL,AQ,AW,BB","No fill with cell borders for Kiwi Saver."]
[null,null,{"$f":"C2585","v":13.22},"p","2023-03-28","D13990","S Greig","NSR Calculator!AA27:AA51,AF,AL,AQ,AW,BB","Linked up the Kiwi Saver cells."]
[null,null,{"$f":"C2586","v":13.22},"q","1900-01-29","D13990","S Greig","NSR Calculator!Z27:BA51","Added Student Loan check boxes and linked to the appropriate cells."]
[null,null,{"$f":"C2587","v":13.22},"q","1900-01-29","D13990","S Greig","NSR Calculator!Z25:BB25","Added SL and KS labels."]
[null,null,{"$f":"C2588","v":13.22},"r","1900-01-29","D13990","S Greig","Module1:ResetForm_ClearContents","Modified code."]
[null,null,{"$f":"C2589","v":13.22},"r","1900-01-29","D13990","S Greig","Module1:ClearHouseholds","Modified code."]
[null,null,{"$f":"C2590","v":13.22},"r","1900-01-29","D13990","S Greig","NSR Calculator!X58:BB60","Remove Student Loan and Kiwi Saver input and show output."]
[null,null,{"$f":"C2591","v":13.22},"t","1900-01-29","D13990","S Greig","Sheet7!SetupHouseholds","Modified code."]
[null,null,{"$f":"C2592","v":13.22},"t","2023-01-30","D13990","S Greig","Sheet7!SetupPrintArea","Modified code."]
[null,null,{"$f":"C2593","v":13.22},"t","2023-01-30","D13990","S Greig","Sheet7!SetupHouseholds","Mdified code re student loan check boxes."]
[null,null,{"$f":"C2594","v":13.22},"t","2023-01-30","D13990","S Greig","Sheet7!Worksheet_Change","Modified code."]
[null,null,{"$f":"C2595","v":13.22},"u","2023-01-30","D13990","S Greig",null,"Works well with all applicants."]
[null,null,13.3,"a",{"$f":"E2596","v":"2023-01-30"},"D13990","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 13.3\"and leave the focus on cell C9."]
[null,null,{"$f":"C2597","v":13.3},"b",{"$f":"E2597","v":"2023-01-30"},"D13990","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2598","v":13.3},"b","2023-01-30","D13990","S Greig","NSR Calculator!L4","Changed version to \"Version 13.3\" and leave the focus on cell C9."]
[null,null,{"$f":"C2599","v":13.3},"b","2023-01-30","D13990","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2600","v":13.3},"b","2023-01-30","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2601","v":13.3},"b","2023-01-30","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2602","v":13.3},"c","2023-01-30","D13990","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2603","v":13.3},"c","2023-01-30","D13990","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 13.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2604","v":13.3},"c","2023-01-30","D13990","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2605","v":13.3},"c","2023-01-30","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2606","v":13.3},"c","2023-01-30","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2607","v":13.3},"d","2023-01-30","D13990","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C2608","v":13.3},"d","2023-01-30","D13990","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 13.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2609","v":13.3},"d","2023-01-30","D13990","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2610","v":13.3},"d","2023-01-30","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2611","v":13.3},"d","2023-01-30","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2612","v":13.3},"e","2023-01-30","D13990","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2613","v":13.3},"f","2023-04-03","D13990","S Greig","NSR Calculator!O11","Changed from \"years\" to \"\"."]
[null,null,{"$f":"C2614","v":13.3},"f","2023-04-03","D13990","S Greig","NSR Calculator!O11","Add Dropdown for years & months."]
[null,null,{"$f":"C2615","v":13.3},"f","2023-04-03","D13990","S Greig","Calculation!AN20","Changed from \"' to \"Term\"."]
[null,null,{"$f":"C2616","v":13.3},"f","2023-04-03","D13990","S Greig","Calculation!AN21","Changed from \"\" to \"=AN22\"."]
[null,null,{"$f":"C2617","v":13.3},"f","2023-04-03","D13990","S Greig","Calculation!O282","Changed from \"\" to \"Input Term\"."]
[null,null,{"$f":"C2618","v":13.3},"f","2023-04-03","D13990","S Greig","Calculation!O283","Changed from \"\" to \"='NSR Calculator'!N11\"."]
[null,null,{"$f":"C2619","v":13.3},"f","2023-04-03","D13990","S Greig","Calculation!P282","Changed from \"' to \"Period\"."]
[null,null,{"$f":"C2620","v":13.3},"f","2023-04-03","D13990","S Greig","Calculation!P283","Changed to \"1\" and it is populated from the new period drop down box. 1 = Years."]
[null,null,{"$f":"C2621","v":13.3},"f","2023-04-03","D13990","S Greig","Calculation!O284","Changed from \"\" to \"=IF(P283=AN21,O283*12,O283)\"."]
[null,null,{"$f":"C2622","v":13.3},"f","2023-04-03","D13990","S Greig","Calculation!J286","Changed from \"=IF(J285<=1, 'NSR Calculator'!N11*12,J285)\" to \"=IF(J285<=1, O284,J285)\"."]
[null,null,{"$f":"C2623","v":13.3},"f","2023-04-03","D13990","S Greig","Calculation!J230","Changed from \"='NSR Calculator'!N11*12\" to \"\". It was not used anywhere."]
[null,null,{"$f":"C2624","v":13.3},"f","2023-04-03","D13990","S Greig","NSR Calculator!N11","Changed the data validation to Please enter a period between 1 to 30 years or 1 to 360 months."]
[null,null,{"$f":"C2625","v":13.3},"f","2023-04-03","D13990","S Greig","Calculation!O284","Changed from \"=IF(P283=AN21,O283*12,O283)\" to \"=IF(P283=1,IF(O283>30,30,O283)*12,IF(O283>360,360,O283))\". It will use the max allowed if too high."]
[null,null,{"$f":"C2626","v":13.3},"f","2023-04-03","D13990","S Greig","NSR Calculator!O11,P11","Remove data validation."]
[null,null,{"$f":"C2627","v":13.3},"g","2023-04-04","D13990","S Greig","Sheet7!TermPeriod_Change","Assigned macro to Term Period change."]
[null,null,{"$f":"C2628","v":13.3},"h","2023-04-04","D13990","S Greig","Sheet7!TermPeriod_Change","Updated method to ensure it does not max out."]
[null,null,{"$f":"C2629","v":13.3},"i","2023-04-05","D13990","S Greig","Sheet7!TermPeriod_Hide","Hide the term period and replace with \"years\"."]
[null,null,{"$f":"C2630","v":13.3},"i","2023-04-05","D13990","S Greig","ThisWorkbook.Workbook_Open","Call the term period hide. This is being left hidden at this stage."]
[null,null,{"$f":"C2631","v":13.3},"k","2023-05-29","D13990","S Greig","Calculation!AB78","Changed from \"\" to \"=IF(AB77>0,IF(AB77<0.03,1,0),0)\"."]
[null,null,{"$f":"C2632","v":13.3},"k","2023-05-29","D13990","S Greig","Calculation!AB81,84,87,90,93,96,99,102","Copied AB78 formula to the rest of the column for validation."]
[null,null,{"$f":"C2633","v":13.3},"k","2023-05-29","D13990","S Greig","Calculation!AH,AN,AT","Copied each cell above to the following 3 columns."]
[null,null,{"$f":"C2634","v":13.3},"k","2023-05-29","D13990","S Greig","Calc2!, Calc3!, Calc4!","Made the same changes to the other households."]
[null,null,{"$f":"C2635","v":13.3},"l","2023-05-29","D13990","S Greig","Calculation!AB119","Changed from \"\" to \"=AB78+AB81+AB84+AB87+AB90+AB93+AB96+AB99+AB102\"."]
[null,null,{"$f":"C2636","v":13.3},"l","2023-05-29","D13990","S Greig","Calculation!AH119,AN119,AT119","Copied AB119 to the other columns."]
[null,null,{"$f":"C2637","v":13.3},{"$f":"D2637","v":"l"},"2023-05-29","D13990","S Greig","Calc2!, Calc3!, Calc4!","Made the same changes to the other households."]
[null,null,{"$f":"C2638","v":13.3},"l","2023-05-29","D13990","S Greig","Calculation!X135","Changed from \"\" to \"Has Kiwisaver < 3%\"."]
[null,null,13.3,"l","2023-05-29","D13990","S Greig","Calculation!Z135","Changed from \"\" to \"=AB119+AH119+AN119+AT119\"."]
[null,null,13.3,"l","2023-05-29","D13990","S Greig","Calc2!, Calc3!, Calc4!","Made the same changes to the other households."]
[null,null,13.3,"l","2023-05-29","D13990","S Greig","Calculation!X136","Changed from \"\" to \"All households has < 3\"."]
[null,null,{"$f":"C2642","v":13.3},{"$f":"D2642","v":"l"},{"$f":"E2642","v":"2023-05-29"},{"$f":"F2642","v":"D13990"},{"$f":"G2642","v":"S Greig"},"Calculation!Z136","Changed from \"\" to \"=Z135+Calc2!Z135+Calc3!Z135+Calc4!Z135\"."]
[null,null,13.3,"l","2023-05-29","D13990","S Greig","Calculation!X137","Changed from \"\" to \"Show Kiwisaver < 3%\"."]
[null,null,13.3,"l","2023-05-29","D13990","S Greig","Calculation!Z137","Changed from \"\" to \"=IF(Z136>0,TRUE,FALSE)\"."]
[null,null,{"$f":"C2645","v":13.3},"m","2023-05-29","D13990","S Greig","NSR Calculator!C149","Changed from \"=IFERROR(Calculation!Z310,\"\")\" to \"=IF(Calculation!Z137,\"Kiwisaver < 3%\", IFERROR(Calculation!Z310,\"\"))\"."]
[null,null,13.4,"a","2023-06-26","D13990","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 13.4\"and leave the focus on cell C9."]
[null,null,{"$f":"C2647","v":13.4},"b","2023-06-26","D13990","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2648","v":13.4},"b","2023-06-26","D13990","S Greig","NSR Calculator!L4","Changed version to \"Version 13.4\" and leave the focus on cell C9."]
[null,null,13.4,"b","2023-06-26","D13990","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,13.4,"b","2023-06-26","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,13.4,"b","2023-06-26","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,13.4,"c","2023-06-26","D13990","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,13.4,"c","2023-06-26","D13990","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 13.4\"and leave the focus on cell C9. "]
[null,null,13.4,"c","2023-06-26","D13990","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,13.4,"c","2023-06-26","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,13.4,"c","2023-06-26","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,13.4,"d","2023-06-26","D13990","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,13.4,"d","2023-06-26","D13990","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 13.4\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2659","v":13.4},"d","2023-06-26","D13990","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2660","v":13.4},"d","2023-06-26","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2661","v":13.4},"d","2023-06-26","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2662","v":13.4},"e","2023-06-26","D13990","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2663","v":13.4},"f","2023-06-26","D13990","S Greig","MLA!","Updated the white tables."]
[null,null,13.5,"a",{"$f":"E2664","v":"2023-06-26"},"D13990","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 13.5\"and leave the focus on cell C9."]
[null,null,{"$f":"C2665","v":13.5},"a",{"$f":"E2665","v":"2023-06-26"},"D13990","S Greig","FHL MLA!","Zero'd the white table as it is no longer used."]
[null,null,{"$f":"C2666","v":13.5},"b",{"$f":"E2666","v":"2023-06-26"},"D13990","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2667","v":13.5},"b","2023-06-26","D13990","S Greig","NSR Calculator!L4","Changed version to \"Version 13.5\" and leave the focus on cell C9."]
[null,null,{"$f":"C2668","v":13.5},"b","2023-06-26","D13990","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2669","v":13.5},"b","2023-06-26","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2670","v":13.5},"b","2023-06-26","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2671","v":13.5},"c","2023-06-26","D13990","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2672","v":13.5},"c","2023-06-26","D13990","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 13.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2673","v":13.5},"c","2023-06-26","D13990","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2674","v":13.5},"c","2023-06-26","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2675","v":13.5},"c","2023-06-26","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2676","v":13.5},"d","2023-06-26","D13990","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C2677","v":13.5},"d","2023-06-26","D13990","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 13.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2678","v":13.5},"d","2023-06-26","D13990","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2679","v":13.5},"d","2023-06-26","D13990","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2680","v":13.5},"d","2023-06-26","D13990","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2681","v":13.5},"e","2023-06-26","D13990","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,null,null,null,null,null,"XXXXXXXXXXXXXXX","There is 13.6-13.9 versions in-between with Rental changes. This 14.0 version is based on 13.5e."]
[null,null,14,"a","2023-09-05","D13914","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2684","v":14},"b","2023-09-05","D13914","S Greig","Calculator Parameters!C11","Changed from \"50%\" to \"80%\"."]
[null,null,{"$f":"C2685","v":14},"b","2023-09-05","D13914","S Greig","Calculator Parameters!12,13","Inserted 2 rows into the parameters spreadsheet."]
[null,null,{"$f":"C2686","v":14},"b","2023-09-05","D13914","S Greig","Calculator Parameters!B12","Changed from \"\" to \"Bonus\"."]
[null,null,{"$f":"C2687","v":14},"b","2023-09-05","D13914","S Greig","Calculator Parameters!B13","Changed from \"\" to \"Allowance\"."]
[null,null,{"$f":"C2688","v":14},"b","2023-09-05","D13914","S Greig","Calculator Parameters!D12:D13","Copied the formula from D11 to these cells."]
[null,null,{"$f":"C2689","v":14},"b","2023-09-05","D13914","S Greig","Calculator Parameters!C12:D13","Copied the cells from C11 to get the formatting right."]
[null,null,{"$f":"C2690","v":14},"b","2023-09-05","D13914","S Greig","Calculator Parameters!C12","Changed from \"80%\" to \"70%\"."]
[null,null,{"$f":"C2691","v":14},"b","2023-09-05","D13914","S Greig","Calculation!AN16","Changed from \"\" to \"Bonus\"."]
[null,null,{"$f":"C2692","v":14},"b","2023-09-05","D13914","S Greig","Calculation!AN17","Changed from \"\" to \"Allowance\"."]
[null,null,{"$f":"C2693","v":14},"b","2023-09-05","D13914","S Greig","Calculation!AP16","Changed from \"\" to \"='Calculator Parameters'!C12\"."]
[null,null,{"$f":"C2694","v":14},"b","2023-09-05","D13914","S Greig","Calculation!AP17","Changed from \"\" to \"='Calculator Parameters'!C13\"."]
[null,null,{"$f":"C2695","v":14},"b","2023-09-05","D13914","S Greig","Calc2-4!AN16:AP17","Copied the changes to the other calculation sheets."]
[null,null,{"$f":"C2696","v":14},"c","2023-09-05","D13914","S Greig","Calculation!IG131","Changed from \"=G79*$AP$9+(G82-G79)*$AP$12+(G91-G82)*$AP$10+(G94-G91)*$AP$11+(G97-G94)*$AP$10+(G100-G97)*$AP$13+(G103-G100)*$AP$12\" to \"=G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$10+(G100-G97)*$AP$13+(G103-G100)*$AP$12\"."]
[null,null,{"$f":"C2697","v":14},"c","2023-09-05","D13914","S Greig","Calculation!I131,K,M,O,Q,S,U","Copied G131 to the other Gross and Net weighted incomes for the other applicants."]
[null,null,{"$f":"C2698","v":14},"c","2023-09-05","D13914","S Greig","Calc2-4!G131:U131","Copied the changed to the other sheets."]
[null,null,{"$f":"C2699","v":14},"c","2023-09-05","D13914","S Greig","DTI Calculation!U14","Changed from \"='Calculator Parameters'!D11\" to \"='Calculator Parameters'!D12\"."]
[null,null,{"$f":"C2700","v":14},"c","2023-09-05","D13914","S Greig","DTI Calculation!U17","Changed from \"='Calculator Parameters'!D11\" to \"='Calculator Parameters'!D13\"."]
[null,null,{"$f":"C2701","v":14},"c","2023-09-05","D13914","S Greig","DTI Report!P2","Copied from O2 to get the format and and then the formula to \"='DTI Calculation'!X45\"."]
[null,null,{"$f":"C2702","v":14},"d","2023-09-06","D13914","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.0\"and leave the focus on cell C9."]
[null,null,{"$f":"C2703","v":14},"e",{"$f":"E2703","v":"2023-09-06"},"D13914","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2704","v":14},"e","2023-09-06","D13914","S Greig","NSR Calculator!L4","Changed version to \"Version 14.0\" and leave the focus on cell C9."]
[null,null,{"$f":"C2705","v":14},"e","2023-09-06","D13914","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2706","v":14},"e","2023-09-06","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2707","v":14},"e","2023-09-06","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2708","v":14},"f","2023-09-06","D13914","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2709","v":14},"f","2023-09-06","D13914","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 14.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2710","v":14},"f","2023-09-06","D13914","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2711","v":14},"f","2023-09-06","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2712","v":14},"f","2023-09-06","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2713","v":14},"g","2023-09-06","D13914","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C2714","v":14},"g","2023-09-06","D13914","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 14.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2715","v":14},"g","2023-09-06","D13914","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2716","v":14},"g","2023-09-06","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2717","v":14},"g","2023-09-06","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2718","v":14},"h","2023-09-11","D13914","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2719","v":14},"h","2023-09-11","D13914","S Greig","Calculator Parameters!C18:C19","Copied C18:C19 to these cells to get the values and formating."]
[null,null,{"$f":"C2720","v":14},"h","2023-09-11","D13914","S Greig","Calculation!AN18","Changed from \"\" to \"Investment\"."]
[null,null,{"$f":"C2721","v":14},"h","2023-09-11","D13914","S Greig","Calculation!AP18","Changed from \"\" to \"='Calculator Parameters'!C18\"."]
[null,null,{"$f":"C2722","v":14},"h","2023-09-11","D13914","S Greig","Calculation!AP15","Changed from \"='Calculator Parameters'!C11\" to \"='Calculator Parameters'!C19\"."]
[null,null,{"$f":"C2723","v":14},"h","2023-09-11","D13914","S Greig","Calc2-4!AN15:AP18","Copied the changes to the other calculation sheets."]
[null,null,{"$f":"C2724","v":14},"h","2023-09-11","D13914","S Greig","Calculator Parameters!C19","Changed from \"50%\" to \"80%\"."]
[null,null,{"$f":"C2725","v":14},"h","2023-09-11","D13914","S Greig","Calculation!G131","Changed from \"=G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$10+(G100-G97)*$AP$13+(G103-G100)*$AP$12\" to \"=G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12\"."]
[null,null,{"$f":"C2726","v":14},"h","2023-09-11","D13914","S Greig","Calculation!H131:U131","Drag the G131 formula to the other columns and then delete the formula from the cells where it is not required."]
[null,null,{"$f":"C2727","v":14},"h","2023-09-11","D13914","S Greig","Calc2-4!G131:U131","Copied the changes to the other calculation sheets."]
[null,null,{"$f":"C2728","v":14},"h","2023-09-11","D13914","S Greig","DTI Calculation!U26","Changed from \"='Calculator Parameters'!C16\" to \"Calculator Parameters'!D16\"."]
[null,null,14.1,"a",{"$f":"E2729","v":"2023-09-11"},"D13914","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.1\"and leave the focus on cell C9."]
[null,null,{"$f":"C2730","v":14.1},"b","2023-09-11","D13914","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2731","v":14.1},"b","2023-09-11","D13914","S Greig","NSR Calculator!L4","Changed version to \"Version 14.1\" and leave the focus on cell C9."]
[null,null,{"$f":"C2732","v":14.1},"b","2023-09-11","D13914","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2733","v":14.1},"b","2023-09-11","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2734","v":14.1},"b","2023-09-11","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2735","v":14.1},"c","2023-09-11","D13914","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2736","v":14.1},"c","2023-09-11","D13914","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 14.1\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2737","v":14.1},"c","2023-09-11","D13914","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2738","v":14.1},"c","2023-09-11","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2739","v":14.1},"c","2023-09-11","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2740","v":14.1},"d","2023-09-11","D13914","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C2741","v":14.1},"d","2023-09-11","D13914","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 14.1\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2742","v":14.1},"d","2023-09-11","D13914","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2743","v":14.1},"d","2023-09-11","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2744","v":14.1},"d","2023-09-11","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2745","v":14.1},"e","2023-09-11","D13914","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2746","v":14.1},"e","2023-10-16","D13914","S Greig","Calculator Parameters!C47","Changed from \"6.00%\" to \"6.25%\"."]
[null,null,14.2,"a",{"$f":"E2747","v":"2023-10-16"},"D13914","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.2\"and leave the focus on cell C9."]
[null,null,{"$f":"C2748","v":14.2},"b","2023-10-16","D13914","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2749","v":14.2},"b","2023-10-16","D13914","S Greig","NSR Calculator!L4","Changed version to \"Version 14.2\" and leave the focus on cell C9."]
[null,null,{"$f":"C2750","v":14.2},"b","2023-10-16","D13914","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2751","v":14.2},"b","2023-10-16","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2752","v":14.2},"b","2023-10-16","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2753","v":14.2},"b","2023-10-16","D13914","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2754","v":14.2},"c","2023-10-16","D13914","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 14.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2755","v":14.2},"c","2023-10-16","D13914","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2756","v":14.2},"c","2023-10-16","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2757","v":14.2},"c","2023-10-16","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2758","v":14.2},"d","2023-10-16","D13914","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C2759","v":14.2},"d","2023-10-16","D13914","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 14.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2760","v":14.2},"d","2023-10-16","D13914","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2761","v":14.2},"d","2023-10-16","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2762","v":14.2},"d","2023-10-16","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2763","v":14.2},"e","2023-10-16","D13914","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2764","v":14.2},"e","2023-10-24","D13914","S Greig","Calculator Parameters!C19","Changed from \"80%\" to \"50%\"."]
[null,null,14.3,"a",{"$f":"E2765","v":"2023-10-24"},"D13914","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.2\"and leave the focus on cell C9."]
[null,null,{"$f":"C2766","v":14.3},"b","2023-10-24","D13914","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2767","v":14.3},"b","2023-10-24","D13914","S Greig","NSR Calculator!L4","Changed version to \"Version 14.2\" and leave the focus on cell C9."]
[null,null,{"$f":"C2768","v":14.3},"b","2023-10-24","D13914","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2769","v":14.3},"b","2023-10-24","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2770","v":14.3},"b","2023-10-24","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2771","v":14.3},"c","2023-10-24","D13914","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2772","v":14.3},"c","2023-10-24","D13914","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 14.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2773","v":14.3},"c","2023-10-24","D13914","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2774","v":14.3},"c","2023-10-24","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2775","v":14.3},"c","2023-10-24","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2776","v":14.3},"c","2023-10-24","D13914","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C2777","v":14.3},"d","2023-10-24","D13914","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 14.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2778","v":14.3},"d","2023-10-24","D13914","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2779","v":14.3},"d","2023-10-24","D13914","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2780","v":14.3},"d","2023-10-24","D13914","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2781","v":14.3},"e","2023-10-24","D13914","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2782","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!E1","Changed from \"Personal Loan\" to \"Consumer Debt\"."]
[null,null,{"$f":"C2783","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!S:X","Added 6 columns."]
[null,null,{"$f":"C2784","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!S1","Changed from \"\" to \"Gross Wages and Salaries\"."]
[null,null,{"$f":"C2785","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!T1","Changed from \"\" to \"Gross Business Income / Self Employment\"."]
[null,null,{"$f":"C2786","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!U1","Changed from \"\" to \"Gross Boarder Income\"."]
[null,null,{"$f":"C2787","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!V1","Changed from \"\" to \"Gross Rental Income\"."]
[null,null,{"$f":"C2788","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!W1","Changed from \"\" to \"Gross Superannuation & Govt Benefits\"."]
[null,null,{"$f":"C2789","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!X1","Changed from \"\" to \"Gross Other Income\"."]
[null,null,{"$f":"C2790","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!S2:X2","Copied R2 to these cells to get the formatting correct and deleted the formulas and put zero there."]
[null,null,{"$f":"C2791","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!F:G","Added 2 columns."]
[null,null,{"$f":"C2792","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!F1","Changed from \"\" to \"Student Loan\"."]
[null,null,{"$f":"C2793","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!G1","Changed from \"\" to \"Business Loans\"."]
[null,null,{"$f":"C2794","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!F2:G2","Copied E2 to these cells to get the formatting correct and deleted the formulas and put zero there."]
[null,null,{"$f":"C2795","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!AB","Copied column  AA to AB."]
[null,null,{"$f":"C2796","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!AB:1","Changed from \"Total Gross Income\" to \"Total Gross Income - display once\"."]
[null,null,{"$f":"C2797","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!AB:2","Changed from \"='DTI Calculation'!S54\" to \"=S2\"."]
[null,null,{"$f":"C2798","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!R2","Copied cell Q2 to R2 to get the format and then put the R2 formula back to get the value right."]
[null,null,{"$f":"C2799","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!F2:G2","Put zero in the cells to trigger the dash format."]
[null,null,{"$f":"C2800","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!A2:A6","Removed file references from the formulas."]
[null,null,{"$f":"C2801","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!C2:AB2","Removed file references from the formulas."]
[null,null,{"$f":"C2802","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!U2","Changed from \"0\" to \"='DTI Calculation'!R5+'DTI Calculation'!R11+'DTI Calculation'!R14+'DTI Calculation'!R17+'DTI Calculation'!R20\"."]
[null,null,{"$f":"C2803","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!V2","Changed from \"0\" to \"='DTI Calculation'!R8+'DTI Calculation'!R34\"."]
[null,null,{"$f":"C2804","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!W2","Changed from \"0\" to \"='DTI Calculation'!R49\"."]
[null,null,{"$f":"C2805","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!X2","Changed from \"0\" to \"='DTI Calculation'!R48\"."]
[null,null,{"$f":"C2806","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!Y2","Changed from \"0\" to \"='DTI Calculation'!R26\"."]
[null,null,{"$f":"C2807","v":14.3},"f","2023-10-31","D14427","S Greig","DTI Report!Z2","Changed from \"0\" to \"='DTI Calculation'!R23+'DTI Calculation'!R29\"."]
[null,null,{"$f":"C2808","v":14.3},"f","2023-11-20","D14427","S Greig","DTI Report!AA","Inserted column."]
[null,null,{"$f":"C2809","v":14.3},"f","2023-11-20","D14427","S Greig","DTI Report!AA:1","Changed to \"Total Gross Income\"."]
[null,null,{"$f":"C2810","v":14.3},"f","2023-11-20","D14427","S Greig","DTI Report!AA:2","Copied Z:2 to AA:2 to get the format."]
[null,null,{"$f":"C2811","v":14.3},"f","2023-11-20","D14427","S Greig","DTI Report!AA:2","Changed to \"='DTI Calculation'!R53\""]
[null,null,14.4,"a","2023-11-21",{"$f":"F2812","v":"D14427"},"S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.4\"and leave the focus on cell C9."]
[null,null,{"$f":"C2813","v":14.4},"b","2023-11-21","D14427","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C2814","v":14.4},"b","2023-11-21","D14427","S Greig","NSR Calculator!L4","Changed version to \"Version 14.4\" and leave the focus on cell C9."]
[null,null,{"$f":"C2815","v":14.4},"b","2023-11-21","D14427","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C2816","v":14.4},"b","2023-11-21","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2817","v":14.4},"b","2023-11-21","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2818","v":14.4},"c","2023-11-21","D14427","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C2819","v":14.4},"c","2023-11-21","D14427","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 14.4\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2820","v":14.4},"c","2023-11-21","D14427","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C2821","v":14.4},"c","2023-11-21","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2822","v":14.4},"c","2023-11-21","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2823","v":14.4},"d","2023-11-21","D14427","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C2824","v":14.4},"d","2023-11-21","D14427","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 14.4\"and leave the focus on cell C9. "]
[null,null,{"$f":"C2825","v":14.4},"d","2023-11-21","D14427","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C2826","v":14.4},"d","2023-11-21","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C2827","v":14.4},"d","2023-11-21","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C2828","v":14.4},"e","2023-11-21","D14427","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C2829","v":14.4},"f","2023-11-27","D14427","S Greig","NSR Calculator!85-86","Expanded rows for Student Loan."]
[null,null,{"$f":"C2830","v":14.4},"f","2023-11-27","D14427","S Greig","NSR Calculator!A85","Change to \"Student Loan\" and set the format the same as A87."]
[null,null,{"$f":"C2831","v":14.4},"f","2023-11-27","D14427","S Greig","NSR Calculator!B86","Changed to \"Student Loan Balance\"."]
[null,null,{"$f":"C2832","v":14.4},"f","2023-11-27","D14427","S Greig","NSR Calculator!D86,","Clear the cell background and have a line around the outside."]
[null,null,{"$f":"C2833","v":14.4},"f","2023-11-27","D14427","S Greig","NSR Calculator!85,87","Changed the row height to 18.75."]
[null,null,{"$f":"C2834","v":14.4},"f","2023-11-27","D14427","S Greig","NSR Calculator!86","Changed the row height to 15.00."]
[null,null,{"$f":"C2835","v":14.4},"f","2023-11-27","D14427","S Greig","NSR Calculator!N87:T90","Changed the alignment to the bottom."]
[null,null,{"$f":"C2836","v":14.4},"g","2024-01-22","D14427","S Greig","NSR Calculator!D86,I,N,S,Y,AD,AD,AJ,AO,AU,A2","Unlocked cells for Student Loan Balance entry."]
[null,null,{"$f":"C2837","v":14.4},"g","2024-01-22","D14427","S Greig","Calculation!F79,83,91,94,97,100,103","Clear cells for deducting student loan and kiwi saver and are not used."]
[null,null,{"$f":"C2838","v":14.4},"g","2024-01-22","D14427","S Greig","DTI Calculation!43","Clear Student Loan row as deduction and reduce the column height."]
[null,null,{"$f":"C2839","v":14.4},"g","2024-01-22","D14427","S Greig","NSR Calculator!58","Clear Student Loan row as deduction and reduce the column height."]
[null,null,{"$f":"C2840","v":14.4},"g","2024-01-22","D14427","S Greig","Calculation!121","Clear Student Loan row as deduction and reduce the column height."]
[null,null,{"$f":"C2841","v":14.4},"g","2024-01-22","D14427","S Greig","Calc2-Calc4!F,121","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2842","v":14.4},"h","2024-01-22","D14427","S Greig","Calculation!Z74:AA118","Clear the Student Loan columns."]
[null,null,{"$f":"C2843","v":14.4},"h","2024-01-22","D14427","S Greig","Calculation!AF74:AG118","Clear the Student Loan columns."]
[null,null,{"$f":"C2844","v":14.4},"h","2024-01-22","D14427","S Greig","Calculation!AL74:AM118","Clear the Student Loan columns."]
[null,null,{"$f":"C2845","v":14.4},"h","2024-01-22","D14427","S Greig","Calculation!AR74:AS118","Clear the Student Loan columns."]
[null,null,{"$f":"C2846","v":14.4},"h","2024-01-22","D14427","S Greig","Calc2-Calc4!Z74…AS118","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2847","v":14.4},"h","2024-01-22","D14427","S Greig","Calculation!H75,L75,O75,T75","Changed from \"TaxAccSLKS\" to \"TaxAccKS\"."]
[null,null,{"$f":"C2848","v":14.4},"h","2024-01-22","D14427","S Greig","Calc2-Calc4!H75:T75","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2849","v":14.4},"h","2024-01-22","D14427","S Greig","NSR Calculator!E25:E51,J,O,T,Z,AE,AK,AP,AV,BA","Remove Studend Loan tickbox columns and reduce the width of the column to 8 pixels. Spinner width 45."]
[null,null,{"$f":"C2850","v":14.4},"h","2024-01-22","D14427","S Greig","Module1:ResetForm_ClearContents","Comment out code relating to Student Loan tick boxes."]
[null,null,{"$f":"C2851","v":14.4},"h","2024-01-22","D14427","S Greig","Module1:ClearHouseholds","Comment out code relating to Student Loan tick boxes."]
[null,null,{"$f":"C2852","v":14.4},"k","2024-01-23","D14427","S Greig","Calculation!I127","Changed from \"=I123+I121\" to \"=I123\"."]
[null,null,{"$f":"C2853","v":14.4},"k","2024-01-23","D14427","S Greig","Calculation!M127,Q127,U127","Copied the I127 change to the other columns"]
[null,null,{"$f":"C2854","v":14.4},"k","2024-01-23","D14427","S Greig","Calc2-Calc4!I127:U127","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2855","v":14.4},"k","2024-01-23","D14427","S Greig","NSR Calculator!62","Removed \"Total Student Loan and Kiwisaver deductions\" row and reduced height."]
[null,null,{"$f":"C2856","v":14.4},"l","2024-01-23","D14427","S Greig","NSR Calculator!71,72","Copied and inserted rows 85,86 to 71,72. Then deleted rows 73,74."]
[null,null,{"$f":"C2857","v":14.4},"l","2024-01-23","D14427","S Greig","NSR Calculator!71","Set the height to 25 pixels."]
[null,null,{"$f":"C2858","v":14.4},"l","2024-01-23","D14427","S Greig","NSR Calculator!73","Set the height to 27 pixels."]
[null,null,{"$f":"C2859","v":14.4},"l","2024-01-23","D14427","S Greig","NSR Calculator!85,86","Cleared the rows and reduced their heights."]
[null,null,{"$f":"C2860","v":14.4},"l","2024-01-23","D14427","S Greig","Module1:ResetForm_ClearContents","Clear the Student Loan Balances."]
[null,null,{"$f":"C2861","v":14.4},"l","2024-01-23","D14427","S Greig","Module1:ClearContents","Clear the Student Loan Balances."]
[null,null,{"$f":"C2862","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!92","Copy and insert row 94 to 92 and delete row 93. Increase 92 row height to 27 pixels. Delete A94."]
[null,null,{"$f":"C2863","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!96","Delete row 96. Copy and insert 93 at 94. Increase the height of 97 to 23 pixels."]
[null,null,{"$f":"C2864","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!B93","Changed from \"\" to \"Student Loan\" and bold."]
[null,null,{"$f":"C2865","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!C94","Changed from \"\" to \"Total Limit\". Made the font size 8 and centered."]
[null,null,{"$f":"C2866","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!93,94","Set the row height to 20 and 23 pixels."]
[null,null,{"$f":"C2867","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!I94:M94","Merged the cells and based the formatting of M97."]
[null,null,{"$f":"C2868","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!I94:M94","Changed from \"\" to \"Monthly Payment (Calculated)\"."]
[null,null,{"$f":"C2869","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!95","Set the row height to 20 pixels."]
[null,null,{"$f":"C2870","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!M95","Set the format based on M98."]
[null,null,{"$f":"C2871","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!C95","Set the format based on M98."]
[null,null,{"$f":"C2872","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!96","Set the row height to 23 pixels."]
[null,null,{"$f":"C2873","v":14.4},"m","2024-01-23","D14427","S Greig","Calculation!C47:U47","Clear row as it was Student Loan."]
[null,null,{"$f":"C2874","v":14.4},"m","2024-01-23","D14427","S Greig","Calculation!C49:U49","Clear row as it was KiwiSaver contribution rate."]
[null,null,{"$f":"C2875","v":14.4},"m","2024-01-23","D14427","S Greig","Calc2-Calc4!C47:U49","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2876","v":14.4},"m","2024-01-23","D14427","S Greig","Calculation!C120","Changed from \"\" to \"KiwiSaver contibution rate\"."]
[null,null,{"$f":"C2877","v":14.4},"m","2024-01-23","D14427","S Greig","Calculation!I120,M120,Q120,U120","Copy I120 formula to I120 and repeat for the other Kiwisaver columns."]
[null,null,{"$f":"C2878","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!D60,I60,N60,S60","Changed from \"=Calculation!I123\" to \"=Calculation!I120\" and repeat for the other columns."]
[null,null,{"$f":"C2879","v":14.4},"m","2024-01-23","D14427","S Greig","Calculation!C122","Changed from \"\" to \"Total Deductions\"."]
[null,null,{"$f":"C2880","v":14.4},"m","2024-01-23","D14427","S Greig","Calculation!I122,M122,Q122,U122","Changed from \"\" to \"=I120\" and repeat for the other columns."]
[null,null,{"$f":"C2881","v":14.4},"m","2024-01-23","D14427","S Greig","Calculation!I129,M129,Q129,U129","Changed from \"=I118-I127\" to \"=I118-I122\" and repeated for the other columns."]
[null,null,{"$f":"C2882","v":14.4},"m","2024-01-23","D14427","S Greig","Calculation!I133,M133,Q133,U133","Changed from \"=I131-I127\" to \"=I131-I122\" and repeated for the other columns."]
[null,null,{"$f":"C2883","v":14.4},"m","2024-01-23","D14427","S Greig","Calculation!Q136","Changed from \"=(G131+K131+O131+S131)-(I127+M127+Q127+U127)+SUM('NSR Calculator'!D66:S66)+SUM('NSR Calculator'!D68:S68)+J167+J168\" to \"=(G131+K131+O131+S131)-(I122+M122+Q122+U122)+SUM('NSR Calculator'!D66:S66)+SUM('NSR Calculator'!D68:S68)+J167+J168\"."]
[null,null,{"$f":"C2884","v":14.4},"m","2024-01-23","D14427","S Greig","Calculation!C123:U127","Clear cells."]
[null,null,{"$f":"C2885","v":14.4},"m","2024-01-23","D14427","S Greig","Calc2-Calc4!C120:U133","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2886","v":14.4},"m","2024-01-23","D14427","S Greig","Calc2-Calc4!Q136","Manually adjusted the formulas to use the new kiwisaver locations."]
[null,null,{"$f":"C2887","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!Y60","Changed from \"=Calc2!AC118\" to \"=Calc2!I120\"."]
[null,null,{"$f":"C2888","v":14.4},"m","2024-01-23","D14427","S Greig","NSR Calculator!AD60,AJ60,AO60,AU60,AZ60","Applied the Y60 change to the other columns."]
[null,null,{"$f":"C2889","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!B45","Changed from \"Regular Deductions from income\" to \"\"."]
[null,null,{"$f":"C2890","v":14.4},"n","2024-01-23","D14427","S Greig","Calc2-Calc4!B45","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2891","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!B65","Changed from \"\" to \"Annual Financial A/c addbacks\"."]
[null,null,{"$f":"C2892","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!B66","Changed from \"\" to \"Annual Other Assistance Payments\"."]
[null,null,{"$f":"C2893","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!B67","Changed from \"\" to \"Student Loan Balance\"."]
[null,null,{"$f":"C2894","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!G65","Changed from \"\" to \"='NSR Calculator'!D66\"."]
[null,null,{"$f":"C2895","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!K65,O65,S65","Setup the other columns to match."]
[null,null,{"$f":"C2896","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!G66","Changed from \"\" to \"='NSR Calculator'!D68\"."]
[null,null,{"$f":"C2897","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!K66,O66,S66","Setup the other columns to match."]
[null,null,{"$f":"C2898","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!G67","Changed from \"\" to \"='NSR Calculator'!D72\"."]
[null,null,{"$f":"C2899","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!K67,O67,S67","Setup the other columns to match."]
[null,null,{"$f":"C2900","v":14.4},"n","2024-01-23","D14427","S Greig","Calc2-Calc4!C65:S67","Apply the Calculation sheet changes to the other Calc sheets. Put zeros for applicants 3 and 4."]
[null,null,{"$f":"C2901","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!G64:S64","Added column headings."]
[null,null,{"$f":"C2902","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!W64:W:67","Added Total column."]
[null,null,{"$f":"C2903","v":14.4},"n","2024-01-23","D14427","S Greig","Calc2-Calc4!G64:S64","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2904","v":14.4},"n","2024-01-23","D14427","S Greig","Calc2-Calc4!W64:W67","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2905","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!Q135","Changed from \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:S66)+SUM('NSR Calculator'!D68:S68)+($J$165*$AP$14)+$J$166\" to \"=($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+($J$165*$AP$14)+$J$166\"."]
[null,null,{"$f":"C2906","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!R135","Changed from \"=($G$118+$K$118+$O$118+$S$118)+SUM('NSR Calculator'!D66:S66)+SUM('NSR Calculator'!D68:S68)+$J$165+$J$166\" to \"=($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+$J$165+$J$166\"."]
[null,null,{"$f":"C2907","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!Q136","Changed from \"=(G131+K131+O131+S131)-(I122+M122+Q122+U122)+SUM('NSR Calculator'!D66:S66)+SUM('NSR Calculator'!D68:S68)+J167+J168\" to \"=(G131+K131+O131+S131)-(I122+M122+Q122+U122)+$W$65+$W$66+J167+J168\"."]
[null,null,{"$f":"C2908","v":14.4},"n","2024-01-23","D14427","S Greig","Calc2-Calc4!Q135:R136","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2909","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!F459","Changed from \"=('NSR Calculator'!D66+'NSR Calculator'!D68)*$AP$12\" to \"=(G65+G66)*$AP$12\"."]
[null,null,{"$f":"C2910","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!H459","Changed from \"=('NSR Calculator'!I66+'NSR Calculator'!I68)*$AP$12\" to \"=(K65+K66)*$AP$12\"."]
[null,null,{"$f":"C2911","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!J459","Changed from \"=('NSR Calculator'!N66+'NSR Calculator'!N68)*$AP$12\" to \"=(O65+O66)*$AP$12\"."]
[null,null,{"$f":"C2912","v":14.4},"n","2024-01-23","D14427","S Greig","Calculation!L459","Changed from \"=('NSR Calculator'!S66+'NSR Calculator'!S68)*$AP$12\" to \"=(S65+S66)*$AP$12\"."]
[null,null,{"$f":"C2913","v":14.4},"o","2024-01-23","D14427","S Greig","Calculation!X5","Changed from \"\" to \"Household min by age\"."]
[null,null,{"$f":"C2914","v":14.4},"o","2024-01-23","D14427","S Greig","Calculation!W5","Changed from \"\" to \"=MIN($AK$169-G5,$AK$169-K5,$AK$169-O5,$AK$169-S5)\"."]
[null,null,{"$f":"C2915","v":14.4},"o","2024-01-23","D14427","S Greig","Calc2-Calc4!X5:W5","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2916","v":14.4},"o","2024-01-23","D14427","S Greig","Calculation!K284","Changed from \"=MIN($AK$170,J283,Calc2!J283,Calc3!J283,Calc4!J283)*12\" to \"=MIN($AK$170,W5,Calc2!W5,Calc3!W5,Calc4!W5)*12\"."]
[null,null,{"$f":"C2917","v":14.4},"o","2024-01-24","D14427","S Greig","NSR Calculator!B5","Changed from \"Product information\" to \"Application type\"."]
[null,null,{"$f":"C2918","v":14.4},"o","2024-01-24","D14427","S Greig","Calculation!B14","Changed from \"\" to \"Owner Occupied\"."]
[null,null,{"$f":"C2919","v":14.4},"o","2024-01-24","D14427","S Greig","Calculation!B15","Changed from \"\" to \"Investment\"."]
[null,null,{"$f":"C2920","v":14.4},"o","2024-01-24","D14427","S Greig","Calc2-Calc4!B14:H15","Apply the Calculation sheet changes to the other Calc sheets. Point the Calc sheets to the Calculation sheet."]
[null,null,{"$f":"C2921","v":14.4},"o","2024-01-24","D14427","S Greig","NSR Calculator!Check Box 616","Changed cell from H14 -> D14 and text from \"Property Investor\" to \"Owner Occupied\"."]
[null,null,{"$f":"C2922","v":14.4},"o","2024-01-24","D14427","S Greig","NSR Calculator!Check Box 617","Changed cell from H15 -> D15 and text from \"First Home Loan\" to \"Investment\"."]
[null,null,{"$f":"C2923","v":14.4},"o","2024-01-24","D14427","S Greig","Sheet7:CheckBox_Click","Comment out check box action code."]
[null,null,{"$f":"C2924","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!Z75:AA118","Restore the Student Calculation Columns from an earlier version."]
[null,null,{"$f":"C2925","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!AF75:AG118","Restore the Student Calculation Columns from an earlier version."]
[null,null,{"$f":"C2926","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!AL75:AM118","Restore the Student Calculation Columns from an earlier version."]
[null,null,{"$f":"C2927","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!AR75:AS118","Restore the Student Calculation Columns from an earlier version."]
[null,null,{"$f":"C2928","v":14.4},"p","2024-01-24","D14427","S Greig","Calc2-Calc4!Z75:AA118","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2929","v":14.4},"p","2024-01-24","D14427","S Greig","Calc2-Calc4!AF75:AG118","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2930","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!Z75","Changed from \"\" to \"=IF(G67>0,TRUE,FALSE)\"."]
[null,null,{"$f":"C2931","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!AF75,AL75,AR75","Apply the previous change to the other Student Loan columns."]
[null,null,{"$f":"C2932","v":14.4},"p","2024-01-24","D14427","S Greig","Calc2-Calc4!Z75:AR75","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2933","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!Z77","Changed from \"\" to \"=$Z$75\"."]
[null,null,{"$f":"C2934","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!Z80,Z83,86,89,92,95,98,101","Apply the previous change to the rest of the column."]
[null,null,{"$f":"C2935","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!AF77:AF101,AL77:AL101,AR77:AL101","Apply the previous change to the other Student Loan columns."]
[null,null,{"$f":"C2936","v":14.4},"p","2024-01-24","D14427","S Greig","Calc2-Calc4!Z77:AR101","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2937","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!M138","Changed from \"\" to \"Total Student Loan Balances\"."]
[null,null,{"$f":"C2938","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!Q138","Changed from \"\" to \"=W67+Calc2!W67+Calc3!W67+Calc4!W67\"."]
[null,null,{"$f":"C2939","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!M139","Changed from \"\" to \"Total Student Loan Payments\"."]
[null,null,{"$f":"C2940","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!Q139","Changed from \"\" to \"=AB133+Calc2!AB133+Calc3!AB133+Calc4!AB133\"."]
[null,null,{"$f":"C2941","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!X133","Changed from \"\" to \"Household Student Loan Payments\"."]
[null,null,{"$f":"C2942","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!AB133","Changed from \"\" to \"=AA118+AG118+AM118+AS118\"."]
[null,null,{"$f":"C2943","v":14.4},"p","2024-01-24","D14427","S Greig","Calc2-Calc4!X133:AB133","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2944","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!M140","Changed from \"\" to \"Monthly Student Loan Payments\"."]
[null,null,{"$f":"C2945","v":14.4},"p","2024-01-24","D14427","S Greig","Calculation!Q140","Changed from \"\" to \"=Q139/12\"."]
[null,null,{"$f":"C2946","v":14.4},"p","2024-01-24","D14427","S Greig","NSR Calculator!C95","Changed from \"\" to \"=Calculation!Q138\"."]
[null,null,{"$f":"C2947","v":14.4},"p","2024-01-24","D14427","S Greig","NSR Calculator!M95","Changed from \"\" to \"=Calculation!Q140\"."]
[null,null,{"$f":"C2948","v":14.4},"q","2024-01-24","D14427","S Greig","NSR Calculator!94,97,106,115,124","Set the row height to 16 pixels."]
[null,null,{"$f":"C2949","v":14.4},"q","2024-01-24","D14427","S Greig","NSR Calculator!C93,M93","Moved the 2 cells up a row."]
[null,null,{"$f":"C2950","v":14.4},"q","2024-01-24","D14427","S Greig","NSR Calculator!C94","Moved the row up by inserting a row below then deleting the row above."]
[null,null,{"$f":"C2951","v":14.4},"q","2024-01-24","D14427","S Greig","NSR Calculator!C95","Set the row height to 2 pixels."]
[null,null,{"$f":"C2952","v":14.4},"q","2024-01-24","D14427","S Greig","NSR Calculator!","General reduction of som rows to reduce the overall height."]
[null,null,{"$f":"C2953","v":14.4},"q","2024-01-24","D14427","S Greig","NSR Calculator!Buttons","Moved the buttons up to match the form."]
[null,null,{"$f":"C2954","v":14.4},"q","2024-01-24","D14427","S Greig","NSR Calculator!Drop Downs","Set the control heights to 0.53 cm. Some will change to 0.56 cm."]
[null,null,{"$f":"C2955","v":14.4},"q","2024-01-24","D14427","S Greig","Calculation!Z299","Changed from \"=R303+R309+I315+I317\" to \"=R303+R309+I315+I317+Q140\"."]
[null,null,{"$f":"C2956","v":14.4},"q","2024-01-24","D14427","S Greig","Calculation!AA299","Changed from \"=AA222+AA237+I315+I317\" to \"=AA222+AA237+I315+I317+Q140\"."]
[null,null,{"$f":"C2957","v":14.4},"q","2024-01-25","D14427","S Greig","DTI Calculation!59-62","Insert 4 lines at line 59."]
[null,null,{"$f":"C2958","v":14.4},"q","2024-01-25","D14427","S Greig","DTI Calculation!B59-C61","Copy from B68:C70 to get the formatting."]
[null,null,{"$f":"C2959","v":14.4},"q","2024-01-25","D14427","S Greig","DTI Calculation!B59","Changed to \"Student Loans\"."]
[null,null,{"$f":"C2960","v":14.4},"q","2024-01-25","D14427","S Greig","DTI Calculation!B60","Changed to \"Student Loan Balance\"."]
[null,null,{"$f":"C2961","v":14.4},"q","2024-01-25","D14427","S Greig","DTI Calculation!B61","Changed to \"Total Student Loans\"."]
[null,null,{"$f":"C2962","v":14.4},"q","2024-01-25","D14427","S Greig","DTI Calculation!C60","Changed to \"=Calculation!Q138\"."]
[null,null,{"$f":"C2963","v":14.4},"q","2024-01-25","D14427","S Greig","DTI Report!F2","Changed from \"0\" to \"='DTI Calculation'!C61\"."]
[null,null,{"$f":"C2964","v":14.4},"q","2024-01-25","D14427","S Greig","DTI Calculation!C80","Changed from \"=C66+C70+C74+C78\" to \"=C61+C66+C70+C74+C78\"."]
[null,null,{"$f":"C2965","v":14.4},"q","2024-01-25","D14427","S Greig","DTI Calculation!A63","Change from \"\" to \"Plus\"."]
[null,null,{"$f":"C2966","v":14.4},"r","2024-01-25","D14427","S Greig","NSR Calculator!G144","Changed from \"\" to \"Debt to Income Ratio\"."]
[null,null,{"$f":"C2967","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation Parameters!45-47","Insert 3 lines."]
[null,null,{"$f":"C2968","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation Parameters!B44","Changed to \"Non-Investor DTI\"."]
[null,null,{"$f":"C2969","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation Parameters!B45","Changed to \"Investor DTI\"."]
[null,null,{"$f":"C2970","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation Parameters!C44","Changed to \"6.00%\"."]
[null,null,{"$f":"C2971","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation Parameters!C45","Changed to \"7.00%\"."]
[null,null,{"$f":"C2972","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation!AH174","Changed to \"DTI\"."]
[null,null,{"$f":"C2973","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation!AK174","Changed to \"=IF(D15,'Calculator Parameters'!C45,'Calculator Parameters'!C44)\"."]
[null,null,{"$f":"C2974","v":14.4},"r","2024-01-25","D14427","S Greig","Calc2-Calc4!AH174:AK174","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2975","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation!S11","Changed to \"=CONCATENATE(\"Retail Lending: DTI should be \",ROUND(AK174*100,0),\"% or less for approval\")\"."]
[null,null,{"$f":"C2976","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation!S12","Changed to \"=CONCATENATE(\"Investment Lending: DTI should be \",ROUND(AK174*100,0),\"% or less for approval\")\"."]
[null,null,{"$f":"C2977","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation!R12","Changed to \"=IF(D15,S12,S11)\"."]
[null,null,{"$f":"C2978","v":14.4},"r","2024-01-25","D14427","S Greig","NSR Calculator!G145","Changed to \"=Calculation!R11\"."]
[null,null,{"$f":"C2979","v":14.4},"r","2024-01-25","D14427","S Greig","Module1:ResetFormClearContents","Updated controls and set the default Owner Occupied to true."]
[null,null,{"$f":"C2980","v":14.4},"r","2024-01-25","D14427","S Greig","Sheet7:CheckBox_Click","Add code for the check box clicks."]
[null,null,{"$f":"C2981","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation Parameters!C44:C45","Changed from percentage to number with 2 decimal places."]
[null,null,{"$f":"C2982","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation!AK174","Changed from percentage to number with 2 decimal places."]
[null,null,{"$f":"C2983","v":14.4},"r","2024-01-25","D14427","S Greig","Calc2-Calc4!AH174","Apply the Calculation sheet changes to the other Calc sheets."]
[null,null,{"$f":"C2984","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation!S11","Changed from \"=CONCATENATE(\"Retail Lending: DTI should be \",ROUND(AK174*100,0),\"% or less for approval\")\" to \"=CONCATENATE(\"Investment Lending: DTI should be \",TEXT(AK174,\"#0.00\"),\" or less for approval\")\"."]
[null,null,{"$f":"C2985","v":14.4},"r","2024-01-25","D14427","S Greig","Calculation!S12","Changed from \"=CONCATENATE(\"Investment Lending: DTI should be \",ROUND(AK174*100,0),\"% or less for approval\")\" to \"=CONCATENATE(\"Investment Lending: DTI should be \",TEXT(AK174,\"#0.00\"),\" or less for approval\")\"."]
[null,null,{"$f":"C2986","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Report!AC,AD","Copy column AA to AC and AD."]
[null,null,{"$f":"C2987","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Report!AC1","Changed to \"Debt To Income (DTI)\"."]
[null,null,{"$f":"C2988","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Report!AD1","Changed to \"DTI Max\"."]
[null,null,{"$f":"C2989","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Calculation!R58","Changed to \"Debt to Income (DTI)\"."]
[null,null,{"$f":"C2990","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Calculation!R59","Changed to \"DTI Max\"."]
[null,null,{"$f":"C2991","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Report!AC2","Changed to \"='DTI Calculation'!S58\"."]
[null,null,{"$f":"C2992","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Report!AD2","Changed to \"='DTI Calculation'!S59\"."]
[null,null,{"$f":"C2993","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Calculation!S58","Changed to \"0\"."]
[null,null,{"$f":"C2994","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Calculation!S59","Changed to \"0\"."]
[null,null,{"$f":"C2995","v":14.4},"r","2024-01-29","D14427","S Greig","Calculation!C521","Changed to \"DTI Result in NSR Calculator\"."]
[null,null,{"$f":"C2996","v":14.4},"r","2024-01-29","D14427","S Greig","Calculation!C522","Changed to \"DTI Colour\"."]
[null,null,{"$f":"C2997","v":14.4},"r","2024-01-29","D14427","S Greig","Calculation!I521","Changed to \"0\"."]
[null,null,{"$f":"C2998","v":14.4},"r","2024-01-29","D14427","S Greig","Calculation!I522","Changed to \"=IF(AND(I521>0,I521<=AK174),\"green\",\"red\")\"."]
[null,null,{"$f":"C2999","v":14.4},"r","2024-01-29","D14427","S Greig","Calculation!K522","Changed to \"Is Red when DTI is zero or over the max DTI for loan type or Green if not.\"."]
[null,null,{"$f":"C3000","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Calculation!S58","Changed from \"0\" to \"=Calculation!I521\"."]
[null,null,{"$f":"C3001","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Calculation!S59","Changed from \"0\" to \"=Calculation!AK174\"."]
[null,null,{"$f":"C3002","v":14.4},"r","2024-01-29","D14427","S Greig","NSR Calculator!G144","Changed from \"0\" to \"=Calculation!I521\"."]
[null,null,{"$f":"C3003","v":14.4},"r","2024-01-29","D14427","S Greig","NSR Calculator!G144","Added conditional formatting to \"=RIGHT(Calculation!$I$522,3)=\"red\"\" for red."]
[null,null,{"$f":"C3004","v":14.4},"r","2024-01-29","D14427","S Greig","NSR Calculator!G144","Added conditional formatting to\" =RIGHT(Calculation!$I$522,3)=\"een\"\" for green."]
[null,null,{"$f":"C3005","v":14.4},"r","2024-01-29","D14427","S Greig","Calculation!S13","Changed from \"\" to \"Error: Application type must be selected\"."]
[null,null,{"$f":"C3006","v":14.4},"r","2024-01-29","D14427","S Greig","Calculation!R11","Changed from \"=IF(D15,S12,S11)\" to \"=IF(D15,S12,IF(D14,S11,S13))\"."]
[null,null,{"$f":"C3007","v":14.4},"r","2024-01-29","D14427","S Greig","NSR Calculator!G145","Added conditional formatting to \"=LEFT(G145,3)=\"Err\"\" for red."]
[null,null,{"$f":"C3008","v":14.4},"r","2024-01-29","D14427","S Greig","DTI Calculation!S58","Changed from \"=Calculation!I521\" to \"=IF(R53=0,0,C80/R53)\"."]
[null,null,{"$f":"C3009","v":14.4},"r","2024-01-29","D14427","S Greig","Calculation!I521","Changed from \"0\" to \"='DTI Calculation'!S58\"."]
[null,null,{"$f":"C3010","v":14.4},{"$f":"D3010","v":"r"},"2024-01-29","D14427","S Greig","Module3:AutoTest","Set the Application Type to Owner Occupied."]
[null,null,{"$f":"C3011","v":14.4},"s","2024-01-30",{"$f":"F3011","v":"D14427"},"S Greig","Calculation!S11","Changed from \"=CONCATENATE(\"Owner Occupier Lending: DTI should be \",TEXT(AK180,\"#0.00\"),\" or less for approval\")\" to \"=CONCATENATE(\"Owner Occupied Lending: DTI should be \",TEXT(AK180,\"#0.00\"),\" or less for approval\")\"."]
[null,null,{"$f":"C3012","v":14.4},{"$f":"D3012","v":"s"},"2024-01-30","D14427","S Greig","NSR Calculator!I144","Changed from \"=Calculation!I521\" to \"=IF(LEFT(G145,3)=\"Err\",0, Calculation!I521)\"."]
[null,null,{"$f":"C3013","v":14.4},"t",{"$f":"E3013","v":"2024-01-30"},"D14427","S Greig","DTI Report!AD","Deleted Max DTI column."]
[null,null,14.5,"a",{"$f":"E3014","v":"2024-01-30"},"D14427","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.5\"and leave the focus on cell C9."]
[null,null,14.5,{"$f":"D3015","v":"a"},{"$f":"E3015","v":"2024-01-30"},"D14427","S Greig","Module1:ResetForm_ClearContents","Default Owner Occupied to false."]
[null,null,14.5,"b",{"$f":"E3016","v":"2024-01-30"},"D14427","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3017","v":14.5},"b","2024-01-30","D14427","S Greig","NSR Calculator!L4","Changed version to \"Version 14.5\" and leave the focus on cell C9."]
[null,null,{"$f":"C3018","v":14.5},"b","2024-01-30","D14427","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3019","v":14.5},"b","2024-01-30","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3020","v":14.5},"b","2024-01-30","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3021","v":14.5},"c","2024-01-30","D14427","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3022","v":14.5},"c","2024-01-30","D14427","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 14.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3023","v":14.5},"c","2024-01-30","D14427","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3024","v":14.5},"c","2024-01-30","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3025","v":14.5},"c","2024-01-30","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3026","v":14.5},"d","2024-01-30","D14427","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3027","v":14.5},"d","2024-01-30","D14427","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 14.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3028","v":14.5},"d","2024-01-30","D14427","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3029","v":14.5},"d","2024-01-30","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3030","v":14.5},"d","2024-01-30","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3031","v":14.5},"e","2024-01-30","D14427","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3032","v":14.5},"e","2024-01-30","D14427","S Greig","Calculation Parameters!O35:O37","Copied N35:N37 to get the formatting and layout."]
[null,null,{"$f":"C3033","v":14.5},"e","2024-01-30","D14427","S Greig","Calculation Parameters!O35","Changed to \"'1/04/24\"."]
[null,null,{"$f":"C3034","v":14.5},"e","2024-01-30","D14427","S Greig","Calculation Parameters!O37","Changed to 24,128."]
[null,null,{"$f":"C3035","v":14.5},"e","2024-02-13","D14427","S Greig","Calc2-Calc4!AB77:AB101","Remap the Kiwisaver links."]
[null,null,{"$f":"C3036","v":14.5},"e","2024-02-13","D14427","S Greig","Calc2-Calc4!AH77:AH101","Remap the Kiwisaver links."]
[null,null,14.6,"a",{"$f":"E3037","v":"2024-02-13"},"D14427","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.6\"and leave the focus on cell C9."]
[null,null,{"$f":"C3038","v":14.6},"a","2024-02-13","D14427","S Greig","Module1:ResetForm_ClearContents","Default Owner Occupied to false."]
[null,null,{"$f":"C3039","v":14.6},"b","2024-02-13","D14427","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3040","v":14.6},"b","2024-02-13","D14427","S Greig","NSR Calculator!L4","Changed version to \"Version 14.6\" and leave the focus on cell C9."]
[null,null,{"$f":"C3041","v":14.6},"b","2024-02-13","D14427","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3042","v":14.6},"b","2024-02-13","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3043","v":14.6},"b","2024-02-13","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3044","v":14.6},"c","2024-02-13","D14427","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3045","v":14.6},"c","2024-02-13","D14427","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 14.6\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3046","v":14.6},"c","2024-02-13","D14427","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3047","v":14.6},"c","2024-02-13","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3048","v":14.6},"c","2024-02-13","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3049","v":14.6},"d","2024-02-13","D14427","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3050","v":14.6},"d","2024-02-13","D14427","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 14.6\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3051","v":14.6},"d","2024-02-13","D14427","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3052","v":14.6},"d","2024-02-13","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3053","v":14.6},"d","2024-02-13","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3054","v":14.6},"e","2024-02-13","D14427","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3055","v":14.6},"e","2024-02-14","D14427","S Greig","Calculation!AH224","Changed to \"Business Related Loans\""]
[null,null,{"$f":"C3056","v":14.6},"e","2024-02-14","D14427","S Greig","Calculation!AH225","Changed to \"Unknown business debt\"."]
[null,null,{"$f":"C3057","v":14.6},"e","2024-02-14","D14427","S Greig","Calculation!AH226","Changed to \"No business debt\"."]
[null,null,{"$f":"C3058","v":14.6},"e","2024-02-14","D14427","S Greig","Calculation!AH227","Changed to \"Business debt cannot be separated\""]
[null,null,{"$f":"C3059","v":14.6},"e","2024-02-14","D14427","S Greig","Calculation!AH228","Changed to \"Business debt is seviced by business income\""]
[null,null,{"$f":"C3060","v":14.6},"e","2024-02-14","D14427","S Greig","Calculation!AH229","Changed to \"Business debt requires other income to service\""]
[null,null,{"$f":"C3061","v":14.6},"e","2024-02-14","D14427","S Greig","NSR Calculator!132","Delete row."]
[null,null,{"$f":"C3062","v":14.6},"e","2024-02-14","D14427","S Greig","NSR Calculator!131","Copy row 130 and insert at row 131."]
[null,null,{"$f":"C3063","v":14.6},"e","2024-02-14","D14427","S Greig","NSR Calculator!B130","Changed to \"Business debt\"."]
[null,null,{"$f":"C3064","v":14.6},"e","2024-02-14","D14427","S Greig","NSR Calculator!B131","Copy B127 Drop Down 199 control and paste and move to B131 Drop Down 767."]
[null,null,{"$f":"C3065","v":14.6},"e","2024-02-14","D14427","S Greig","NSR Calculator!B131","Edit control to get input range as Calculation!AH225:AH229."]
[null,null,{"$f":"C3066","v":14.6},"e","2024-02-14","D14427","S Greig","NSR Calculator!130-132","Play with row heights and alignment to get it looking right."]
[null,null,{"$f":"C3067","v":14.6},"e","2024-02-14","D14427","S Greig","NSR Calculator!C128","Changed to \"Business debt\"."]
[null,null,{"$f":"C3068","v":14.6},"e","2024-02-14","D14427","S Greig","NSR Calculator!B131","Changed the cell link to Calculation!278."]
[null,null,{"$f":"C3069","v":14.6},"e","2024-02-14","D14427","S Greig","Calculation!H278","Changed to \"=@INDEX($AH$225:$AH$229,G278)\"."]
[null,null,{"$f":"C3070","v":14.6},"e","2024-02-14","D14427","S Greig","Calculation!S14","Changed to \"Error: Business debt must be selected\"."]
[null,null,{"$f":"C3071","v":14.6},"e","2024-02-14","D14427","S Greig","Calculation!R11","Changed from \"=IF(D15,S12,IF(D14,S11,S13))\" to \"=IF(AND(NOT(D14),NOT(D15)),S13,IF(G278=1,S14,IF(D15,S12,S11)))\"."]
[null,null,{"$f":"C3072","v":14.6},"e","2024-02-14","D14427","S Greig","Reset, Save, Update","Moved the buttons up to match the form."]
[null,null,{"$f":"C3073","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Calculation!E62","Changed to \"As Business Debt\"."]
[null,null,{"$f":"C3074","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Calculation!E63","Changed to \"SBS Debt\"."]
[null,null,{"$f":"C3075","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Calculation!E64","Changed to \"Mortgage Elsewhere\"."]
[null,null,{"$f":"C3076","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Calculation!E65","Changed to \"Business debt\"."]
[null,null,{"$f":"C3077","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Calculation!E62:G65","Changed the fill to light grey."]
[null,null,{"$f":"C3078","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Calculation!H62","Change to \"=OR(Calculation!G278=3,Calculation!G278=5)\"."]
[null,null,{"$f":"C3079","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Calculation!H63","Change to \"=IF(H62,0,C66)\"."]
[null,null,{"$f":"C3080","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Calculation!H64","Change to \"=IF(H62,0,C70)\"."]
[null,null,{"$f":"C3081","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Calculation!H65","Change to \"=IF(H62,C66+C70,0)\"."]
[null,null,{"$f":"C3082","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Report!C2","Changed from \"='DTI Calculation'!C66\" to \"='DTI Calculation'!H63\"."]
[null,null,{"$f":"C3083","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Report!D2","Changed from \"='DTI Calculation'!C70\" to \"='DTI Calculation'!H64\"."]
[null,null,{"$f":"C3084","v":14.6},"e","2024-02-14","D14427","S Greig","DTI Report!G2","Changed from \"0\" to \"='DTI Calculation'!H65\"."]
[null,null,{"$f":"C3085","v":14.6},"e","2024-02-14","D14427","S Greig","Module3:AutoTest","Set the business debt to 2 No business debt."]
[null,null,{"$f":"C3086","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!AH225","Changed from \"Unknown business debt\" to \"Selection required\"."]
[null,null,{"$f":"C3087","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!AH227","Changed from \"Business debt cannot be separated\" to \"Combined with other debt (not separately identifiable)\"."]
[null,null,{"$f":"C3088","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!AH228","Changed from \"Business debt is seviced by business income\" to \"Separately identifiable - serviced by business income\"."]
[null,null,{"$f":"C3089","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!AH229","Changed from \"Business debt requires other income to service\" to \"Separately identifiable - serviced by non-business income\"."]
[null,null,{"$f":"C3090","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!S14","Changed from \"Error: Business debt must be selected\" to \"Error: Business debt declaration to be completed\"."]
[null,null,{"$f":"C3091","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!S15","Changed to \"Error: Commercial debt with declaration of no business debt\"."]
[null,null,{"$f":"C3092","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!R15","Changed to \"=OR(B216=4,B219=4,B231=4,B234=4)\"."]
[null,null,{"$f":"C3093","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!R11","Changed from \"=IF(AND(NOT(D14),NOT(D15)),S13,IF(G278=1,S14,IF(D15,S12,S11)))\" to \"=IF(AND(NOT(D14),NOT(D15)),S13,IF(G278=1,S14,IF(AND(G278=2,R15),S15, IF(D15,S12,S11))))\"."]
[null,null,{"$f":"C3094","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!R14","Changed to \"=G278=1\"."]
[null,null,{"$f":"C3095","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!R13","Changed to \"=AND(NOT(D14),NOT(D15))\"."]
[null,null,{"$f":"C3096","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!R15","Changed from \"=OR(B216=4,B219=4,B231=4,B234=4)\" to \"=AND(G278=2,OR(B216=4,B219=4,B231=4,B234=4))\"."]
[null,null,{"$f":"C3097","v":14.6},"f","2024-02-15","D14427","S Greig","Calculation!R11","Changed from \"=IF(AND(NOT(D14),NOT(D15)),S13,IF(G278=1,S14,IF(AND(G278=2,R15),S15, IF(D15,S12,S11))))\" to \"=IF(R13,S13,IF(R14,S14,IF(R15,S15, IF(D15,S12,S11))))\"."]
[null,null,{"$f":"C3098","v":14.6},"f","2024-02-15","D14427","S Greig","NSR Calculator!132","Increase row height."]
[null,null,{"$f":"C3099","v":14.6},"f","2024-02-15","D14427","S Greig","Reset, Save, Update","Moved the buttons up to match the form."]
[null,null,{"$f":"C3100","v":14.6},"f","2024-02-15","D14427","S Greig","NSR Calculator!B131","Changed Drop Down 767 width."]
[null,null,14.7,"a",{"$f":"E3101","v":"2024-02-15"},"D14427","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.7\"and leave the focus on cell C9."]
[null,null,{"$f":"C3102","v":14.7},"b","2024-02-15","D14427","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3103","v":14.7},"b","2024-02-15","D14427","S Greig","NSR Calculator!L4","Changed version to \"Version 14.7\" and leave the focus on cell C9."]
[null,null,{"$f":"C3104","v":14.7},"b","2024-02-15","D14427","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3105","v":14.7},"b","2024-02-15","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3106","v":14.7},"b","2024-02-15","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3107","v":14.7},"c","2024-02-15","D14427","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3108","v":14.7},"c","2024-02-15","D14427","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 14.7\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3109","v":14.7},"c","2024-02-15","D14427","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3110","v":14.7},"c","2024-02-15","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3111","v":14.7},"c","2024-02-15","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3112","v":14.7},"d","2024-02-15","D14427","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3113","v":14.7},"d","2024-02-15","D14427","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 14.7\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3114","v":14.7},"d","2024-02-15","D14427","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3115","v":14.7},"d","2024-02-15","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3116","v":14.7},"d","2024-02-15","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3117","v":14.7},"e","2024-02-15","D14427","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3118","v":14.7},"e","2024-02-16","D14427","S Greig","Business Button","Copied the Rest button and pasted then moved it to the Business debt area."]
[null,null,{"$f":"C3119","v":14.7},"e","2024-02-16","D14427","S Greig","Business Button","Changed text to \"Business Debt Declaration\"."]
[null,null,{"$f":"C3120","v":14.7},"e","2024-02-16","D14427","S Greig","Business Button","Assign the macro Sheet7!Business_Click."]
[null,null,{"$f":"C3121","v":14.7},"e","2024-02-16","D14427","S Greig","Business Form","Created the Business Form and the Business_Click will show it."]
[null,null,14.8,"a",{"$f":"E3122","v":"2024-02-16"},"D14427","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.8\"and leave the focus on cell C9."]
[null,null,{"$f":"C3123","v":14.8},"b","2024-02-16","D14427","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3124","v":14.8},"b","2024-02-16","D14427","S Greig","NSR Calculator!L4","Changed version to \"Version 14.8\" and leave the focus on cell C9."]
[null,null,{"$f":"C3125","v":14.8},"b","2024-02-16","D14427","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3126","v":14.8},"b","2024-02-16","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3127","v":14.8},"b","2024-02-16","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3128","v":14.8},"c","2024-02-16","D14427","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3129","v":14.8},"c","2024-02-16","D14427","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 14.8\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3130","v":14.8},"c","2024-02-16","D14427","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3131","v":14.8},"c","2024-02-16","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3132","v":14.8},"c","2024-02-16","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3133","v":14.8},"d","2024-02-16","D14427","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3134","v":14.8},"d","2024-02-16","D14427","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 14.8\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3135","v":14.8},"d","2024-02-16","D14427","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3136","v":14.8},"d","2024-02-16","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3137","v":14.8},"d","2024-02-16","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3138","v":14.8},"e","2024-02-16","D14427","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3139","v":14.8},"e","2024-02-16","D14427","S Greig","Business Form","Updated the message to remove the captured mouse cursor."]
[null,null,{"$f":"C3140","v":14.8},"e","2024-02-19","D14427","S Greig","NSR Calculator!B130","Changed from \"Business debt\" to \"Business debt declaration\"."]
[null,null,{"$f":"C3141","v":14.8},"e","2024-02-19","D14427","S Greig","NSR Calculator!Button 768","Changed text from \"Business debt declaration\" to \"Business Debt Help\"."]
[null,null,14.9,"a",{"$f":"E3142","v":"2024-02-19"},"D14427","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 14.9\"and leave the focus on cell C9."]
[null,null,{"$f":"C3143","v":14.9},"b","2024-02-19","D14427","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3144","v":14.9},"b","2024-02-19","D14427","S Greig","NSR Calculator!L4","Changed version to \"Version 14.9\" and leave the focus on cell C9."]
[null,null,{"$f":"C3145","v":14.9},"b","2024-02-19","D14427","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3146","v":14.9},"b","2024-02-19","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3147","v":14.9},"b","2024-02-19","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3148","v":14.9},"c","2024-02-19","D14427","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3149","v":14.9},"c","2024-02-19","D14427","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 14.9\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3150","v":14.9},"c","2024-02-19","D14427","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3151","v":14.9},"c","2024-02-19","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3152","v":14.9},"c","2024-02-19","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3153","v":14.9},"d","2024-02-19","D14427","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3154","v":14.9},"d","2024-02-19","D14427","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 14.9\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3155","v":14.9},"d","2024-02-19","D14427","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3156","v":14.9},"d","2024-02-19","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3157","v":14.9},"d","2024-02-19","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3158","v":14.9},"e","2024-02-19","D14427","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3159","v":14.9},"f","2024-02-21","D14427","S Greig","DTI2!","Copy DTI Calculation sheet as DTI2."]
[null,null,{"$f":"C3160","v":14.9},"f","2024-02-21","D14427","S Greig","DTI2!56-81","Delete rows."]
[null,null,{"$f":"C3161","v":14.9},"f","2024-02-21","D14427","S Greig","DTI2!C5:R49","Change formulas from \"Calculation!\" To \"Calc2!\". "]
[null,null,{"$f":"C3162","v":14.9},"f","2024-02-21","D14427","S Greig","DTI2!C35:P35","Update references and replace with 0 when there are no references."]
[null,null,{"$f":"C3163","v":14.9},"f","2024-02-21","D14427","S Greig","DTI3!","Copy DTI2 Calculation sheet as DTI3."]
[null,null,{"$f":"C3164","v":14.9},"f","2024-02-21","D14427","S Greig","DTI4!","Copy DTI2 Calculation sheet as DTI4."]
[null,null,{"$f":"C3165","v":14.9},"f","2024-02-21","D14427","S Greig","DTI3!C5:R49","Change formulas from \"Calc2!\" To \"Calc3!\". "]
[null,null,{"$f":"C3166","v":14.9},"f","2024-02-21","D14427","S Greig","DTI3!C5:R49","Change formulas from \"Calc2!\" To \"Calc4!\". "]
[null,null,{"$f":"C3167","v":14.9},"f","2024-02-21","D14427","S Greig","DTI3!C35:G35","Update references."]
[null,null,{"$f":"C3168","v":14.9},"f","2024-02-21","D14427","S Greig","DTI4!C35:G35","Update references."]
[null,null,{"$f":"C3169","v":14.9},"f","2024-02-21","D14427","S Greig","ThisWorkbook:Workbook_Open","Show/hide the new DTI sheets."]
[null,null,{"$f":"C3170","v":14.9},"f","2024-02-21","D14427","S Greig","Module1:lockup_macro","Show/hide the new DTI sheets."]
[null,null,{"$f":"C3171","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!O58","Changed to \"Gross Income 1\"."]
[null,null,{"$f":"C3172","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!O59","Changed to \"Gross Income 2\"."]
[null,null,{"$f":"C3173","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!O60","Changed to \"Gross Income 3\"."]
[null,null,{"$f":"C3174","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!O61","Changed to \"Gross Income 4\"."]
[null,null,{"$f":"C3175","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!O62","Changed to \"Total Income\"."]
[null,null,{"$f":"C3176","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!P58","Changed to \"=R53\"."]
[null,null,{"$f":"C3177","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!P59","Changed to \"='DTI2'!R53\"."]
[null,null,{"$f":"C3178","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!P60","Changed to \"='DTI3'!R53\"."]
[null,null,{"$f":"C3179","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!P61","Changed to \"='DTI4'!R53\"."]
[null,null,{"$f":"C3180","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!P62","Changed to \"=SUM(P58:P61)\"."]
[null,null,{"$f":"C3181","v":14.9},"g","2024-02-22","D14427","S Greig","DTI Calculation!S58","Changed from \"=IF(R53=0,0,C80/R53)\" to \"=IF(P62=0,0,C80/P62)\"."]
[null,null,{"$f":"C3182","v":14.9},"h","2024-02-22","D14427","S Greig","DTI2-4!I:P","Hide columns I to P."]
[null,null,{"$f":"C3183","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!K10","Changed to \"Household 1\"."]
[null,null,{"$f":"C3184","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!K11","Changed to \"Household 2\"."]
[null,null,{"$f":"C3185","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!K12","Changed to \"Household 3\"."]
[null,null,{"$f":"C3186","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!K13","Changed to \"Household 4\"."]
[null,null,{"$f":"C3187","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!K14","Changed to \"Totals\"."]
[null,null,{"$f":"C3188","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!L10:AA10","Copied the contents from L2:AA2 and the formats too."]
[null,null,{"$f":"C3189","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!T10:T14","Cleared the cells as they are not used."]
[null,null,{"$f":"C3190","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!L11:AA11","Copied the L10:AA10 cells and changed to DTI2 sheet references."]
[null,null,{"$f":"C3191","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!L12:AA12","Copied the L11:AA11 cells and changed to DTI3 sheet references."]
[null,null,{"$f":"C3192","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!L13:AA13","Copied the L12:AA12 cells and changed to DTI4 sheet references."]
[null,null,{"$f":"C3193","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!L14","Changed to \"=SUM(L10:L13)\"."]
[null,null,{"$f":"C3194","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!M14:S14,U14:AA14","Copied L14 change to the rest in the row."]
[null,null,{"$f":"C3195","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!L2","Changed to \"=L14\"."]
[null,null,{"$f":"C3196","v":14.9},"i","2024-02-22","D14427","S Greig","DTI Report!M2:S2,U2:AA2","Copied the L2 change to the rest in the line."]
[null,null,15,"a",{"$f":"E3197","v":"2024-02-22"},"D14427","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 15.0\"and leave the focus on cell C9."]
[null,null,{"$f":"C3198","v":15},"b","2024-02-22","D14427","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3199","v":15},"b","2024-02-22","D14427","S Greig","NSR Calculator!L4","Changed version to \"Version 15.0\" and leave the focus on cell C9."]
[null,null,{"$f":"C3200","v":15},"b","2024-02-22","D14427","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3201","v":15},"b","2024-02-22","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3202","v":15},"b","2024-02-22","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3203","v":15},"c","2024-02-22","D14427","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3204","v":15},"c","2024-02-22","D14427","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 15.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3205","v":15},"c","2024-02-22","D14427","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3206","v":15},"c","2024-02-22","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3207","v":15},"c","2024-02-22","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3208","v":15},"d","2024-02-22","D14427","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3209","v":15},"d","2024-02-22","D14427","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3210","v":15},"d","2024-02-22","D14427","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3211","v":15},"d","2024-02-22","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3212","v":15},"d","2024-02-22","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3213","v":15},"e","2024-02-22","D14427","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3214","v":15},"e","2024-03-11","D14427","S Greig","Calculator Parameters!C21:C22","Changed from \"0.0153\" to \"0.0160\"."]
[null,null,{"$f":"C3215","v":15},"e","2024-03-11","D14427","S Greig","Calculator Parameters!D21:D22","Changed from \"2132.57\" to \"2276.52\"."]
[null,null,{"$f":"C3216","v":15},"e","2024-03-11","D14427","S Greig","Calculator Parameters!B37","Changed from \"22828\" to \"24128\"."]
[null,null,{"$f":"C3217","v":15},"e","2024-03-11","D14427","S Greig","Calculator Parameters!C44","Changed from \"6.00\" to \"99.99\"."]
[null,null,{"$f":"C3218","v":15},"e","2024-03-11","D14427","S Greig","Calculator Parameters!C45","Changed from \"7.00\" to \"99.99\"."]
[null,null,{"$f":"C3219","v":15},"e","2024-03-11","D14427","S Greig","BusinessForm","Changed the image for the Business Debt Help."]
[null,null,15.1,"a",{"$f":"E3220","v":"2024-03-11"},"D14427","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 15.1\"and leave the focus on cell C9."]
[null,null,{"$f":"C3221","v":15.1},"b","2024-03-11","D14427","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3222","v":15.1},"b","2024-03-11","D14427","S Greig","NSR Calculator!L4","Changed version to \"Version 15.1\" and leave the focus on cell C9."]
[null,null,{"$f":"C3223","v":15.1},"b","2024-03-11","D14427","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3224","v":15.1},"b","2024-03-11","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3225","v":15.1},"b","2024-03-11","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3226","v":15.1},"c","2024-03-11","D14427","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3227","v":15.1},"c","2024-03-11","D14427","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 15.1\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3228","v":15.1},"c","2024-03-11","D14427","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3229","v":15.1},"c","2024-03-11","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3230","v":15.1},"c","2024-03-11","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3231","v":15.1},"d","2024-03-11","D14427","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3232","v":15.1},"d","2024-03-11","D14427","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.1\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3233","v":15.1},"d","2024-03-11","D14427","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3234","v":15.1},"d","2024-03-11","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3235","v":15.1},"d","2024-03-11","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3236","v":15.1},"e","2024-03-11","D14427","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3237","v":15.1},"e","2024-03-12","D14427","S Greig","DTI Report!AB2","Changed from \"=S2\" to \"=AA2\"."]
[null,null,15.2,"a",{"$f":"E3238","v":"2024-03-12"},"D14427","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 15.2\"and leave the focus on cell C9."]
[null,null,{"$f":"C3239","v":15.2},"b","2024-03-12","D14427","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3240","v":15.2},"b","2024-03-12","D14427","S Greig","NSR Calculator!L4","Changed version to \"Version 15.2\" and leave the focus on cell C9."]
[null,null,{"$f":"C3241","v":15.2},"b","2024-03-12","D14427","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3242","v":15.2},"b","2024-03-12","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3243","v":15.2},"b","2024-03-12","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3244","v":15.2},"c","2024-03-12","D14427","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3245","v":15.2},"c","2024-03-12","D14427","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 15.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3246","v":15.2},"c","2024-03-12","D14427","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3247","v":15.2},"c","2024-03-12","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3248","v":15.2},"c","2024-03-12","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3249","v":15.2},"d","2024-03-12","D14427","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3250","v":15.2},"d","2024-03-12","D14427","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3251","v":15.2},"d","2024-03-12","D14427","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3252","v":15.2},"d","2024-03-12","D14427","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3253","v":15.2},"d","2024-03-12","D14427","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3254","v":15.2},"e","2024-03-12","D14427","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3255","v":15.2},"f","2024-06-13","D14731","S Greig","Calculator Parameters!C44","Changed from \"99.00\" to \"6.00\"."]
[null,null,{"$f":"C3256","v":15.2},"f","2024-06-13","D14731","S Greig","Calculator Parameters!C45","Changed from \"99.99\" to \"7.00\"."]
[null,null,{"$f":"C3257","v":15.2},"f","2024-06-13","D14731","S Greig","Calculator Parameters!B29","Changed from \"14,000.01\" to \"=C28+0.01\"."]
[null,null,{"$f":"C3258","v":15.2},"f","2024-06-13","D14731","S Greig","Calculator Parameters!B30","Changed from \"48,000.01\" to \"=C29+0.01\"."]
[null,null,{"$f":"C3259","v":15.2},"f","2024-06-13","D14731","S Greig","Calculator Parameters!B31","Changed from \"70,000.01\" to \"=C30+0.01\"."]
[null,null,{"$f":"C3260","v":15.2},"f","2024-06-13","D14731","S Greig","Calculator Parameters!B32","Changed from \"180,000.01\" to \"=C31+0.01\"."]
[null,null,{"$f":"C3261","v":15.2},"f","2024-06-13","D14731","S Greig","Calculator Parameters!B28:B32","Greyed the cells because they are derived."]
[null,null,{"$f":"C3262","v":15.2},"f","2024-06-13","D14731","S Greig","Calculator Parameters!C28","Changed from \"14,000.00\" to \"15,600.00\"."]
[null,null,{"$f":"C3263","v":15.2},"f","2024-06-13","D14731","S Greig","Calculator Parameters!C29","Changed from \"48,000.00\" to \"53,500.00\"."]
[null,null,{"$f":"C3264","v":15.2},"f","2024-06-13","D14731","S Greig","Calculator Parameters!C30","Changed from \"70,000.00\" to \"78,100.00\"."]
[null,null,15.3,"a","2024-06-17",{"$f":"F3265","v":"D14731"},"S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 15.3\"and leave the focus on cell C9."]
[null,null,{"$f":"C3266","v":15.3},"b","2024-06-17","D14731","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3267","v":15.3},"b","2024-06-17","D14731","S Greig","NSR Calculator!L4","Changed version to \"Version 15.3\" and leave the focus on cell C9."]
[null,null,{"$f":"C3268","v":15.3},"b","2024-06-17","D14731","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3269","v":15.3},"b","2024-06-17","D14731","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3270","v":15.3},"b","2024-06-17","D14731","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3271","v":15.3},"c","2024-06-17","D14731","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3272","v":15.3},"c","2024-06-17","D14731","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 15.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3273","v":15.3},"c","2024-06-17","D14731","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3274","v":15.3},"c","2024-06-17","D14731","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3275","v":15.3},"c","2024-06-17","D14731","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3276","v":15.3},"d","2024-06-17","D14731","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3277","v":15.3},"d","2024-06-17","D14731","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3278","v":15.3},"d","2024-06-17","D14731","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3279","v":15.3},"d","2024-06-17","D14731","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3280","v":15.3},"d","2024-06-17","D14731","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3281","v":15.3},"e","2024-06-17","D14731","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,15.4,"a","2024-07-26",{"$f":"F3282","v":"D14731"},"S Greig","Back to uncorrupted version","Based the new version on the previously unlocked \"15.3e\" version and add a letter to the end."]
[null,null,{"$f":"C3283","v":15.4},"a","2024-07-26","D14731","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 15.4\"and leave the focus on cell C9."]
[null,null,{"$f":"C3284","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!S6","Changed from \"\" to \"=IF(A6=\"\",\"\",S5)\"."]
[null,null,{"$f":"C3285","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!S7","Changed from \"=IF(A6=\"\",\"\",S5)\" to \"\"."]
[null,null,{"$f":"C3286","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!AA3","Changed from \"\" to \"=IF(A3=\"\",\"\",AA2)\"."]
[null,null,{"$f":"C3287","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!AA4:AA6","Dragged AA3 down to AA6."]
[null,null,{"$f":"C3288","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!AB3:AB6","Cleared cells."]
[null,null,{"$f":"C3289","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Calculation!H63","Changed from \"=IF(H62,0,C66)\" to \"=C66\"."]
[null,null,{"$f":"C3290","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Calculation!H65","Changed from \"=IF(H62,C66+C70,0)\" to \"=IF(H62,C70,0)\"."]
[null,null,{"$f":"C3291","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Calculation!H63","Changed from \"=C66\" to \"=IF(H62,C65,C66)\"."]
[null,null,{"$f":"C3292","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Calculation!H65","Changed from \"=IF(H62,C70,0)\" to \"=IF(H62,C70+C65,0)\"."]
[null,null,{"$f":"C3293","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Calculation!H63","Changed from \"=IF(H62,C65,C66)\" to \"=IF(H62,C64,C66)\"."]
[null,null,{"$f":"C3294","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!K3","Changed from \"=IF(A3=\"\",\"\",K2)\" to \"=IF(A3=\"\",\"\",$K$2)\"."]
[null,null,{"$f":"C3295","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!K4:K6","Dragged K3 down the column."]
[null,null,{"$f":"C3296","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!I3","Changed from \"=IF(A3=\"\",\"\",I2)\" to \"=IF(A3=\"\",\"\",$I$2)\"."]
[null,null,{"$f":"C3297","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!I4:I6","Dragged I3 down the column."]
[null,null,{"$f":"C3298","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!S3","Changed from \"=IF(A3=\"\",\"\",S2)\" to \"=IF(A3=\"\",\"\",$S$2)\"."]
[null,null,{"$f":"C3299","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!S4:S6","Dragged S3 down the column."]
[null,null,{"$f":"C3300","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!Z3","Changed from \"=IF(A3=\"\",\"\",Z2)\" to \"=IF(A3=\"\",\"\",$Z$2)\"."]
[null,null,{"$f":"C3301","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!Z4:Z6","Dragged Z3 down the column."]
[null,null,{"$f":"C3302","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!AA3","Changed from \"=IF(A3=\"\",\"\",AA2)\" to \"=IF(A3=\"\",\"\",$AA$2)\"."]
[null,null,{"$f":"C3303","v":15.4},"a","2024-07-26","D14731","S Greig","DTI Report!AA4:AA6","Dragged AA3 down the column."]
[null,null,{"$f":"C3304","v":15.4},"a","2024-07-26","D14731","S Greig","Calculator Parameters!C50","Changed from \"6.25%\" to \"6.00%\"."]
[null,null,{"$f":"C3305","v":15.4},"b","2024-07-26","D14731","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3306","v":15.4},"b","2024-07-26","D14731","S Greig","NSR Calculator!L4","Changed version to \"Version 15.0\" and leave the focus on cell C9."]
[null,null,{"$f":"C3307","v":15.4},"b","2024-07-26","D14731","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3308","v":15.4},"b","2024-07-26","D14731","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3309","v":15.4},"b","2024-07-26","D14731","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3310","v":15.4},"c","2024-07-26","D14731","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3311","v":15.4},"c","2024-07-26","D14731","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 15.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3312","v":15.4},"c","2024-07-26","D14731","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3313","v":15.4},"c","2024-07-26","D14731","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3314","v":15.4},"c","2024-07-26","D14731","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3315","v":15.4},"d","2024-07-26","D14731","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3316","v":15.4},"d","2024-07-26","D14731","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3317","v":15.4},"d","2024-07-26","D14731","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3318","v":15.4},"d","2024-07-26","D14731","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3319","v":15.4},"d","2024-07-26","D14731","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3320","v":15.4},"e","2024-07-26","D14731","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3321","v":15.4},"f","2024-09-04","D14879","S Greig","MLA!","Updated HEM tables on MLA sheet."]
[null,null,{"$f":"C3322","v":15.4},"f","2024-09-04","D14879","S Greig","Calculator Parameters!C17","Changed from \"65%\" to \"75%\"."]
[null,null,{"$f":"C3323","v":15.4},"h","2024-09-09","D14879","S Greig","NSR Calculator!50","Copied row 50 to row 52 then deleted row 50."]
[null,null,{"$f":"C3324","v":15.4},"h","2024-09-09","D14879","S Greig","Module1!","Change code references for x51."]
[null,null,{"$f":"C3325","v":15.4},"h","2024-09-09","D14879","S Greig","NSR Calculator!52","Copied row 50 to row 52 to populate most of the cells."]
[null,null,{"$f":"C3326","v":15.4},"h","2024-09-09","D14879","S Greig","NSR Calculator!B52","Changed from \"Contract\" to \"Child Support\"."]
[null,null,{"$f":"C3327","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!104:106","Copied rows 101:103 to 104:106."]
[null,null,{"$f":"C3328","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!C104","Changed from \"9\" to \"10\"."]
[null,null,{"$f":"C3329","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!D104","Changed from \"Contract\" to \"Child Support\"."]
[null,null,{"$f":"C3330","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!C45:U47","Copied C42:U44 to C45:U47. "]
[null,null,{"$f":"C3331","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!I45:U45","Changed from \"='NSR Calculator'!$D$50\" to \"='NSR Calculator'!$D$52\"."]
[null,null,{"$f":"C3332","v":15.4},"i","2024-09-09","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets and adjusted accordingly."]
[null,null,{"$f":"C3333","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!AB104","Changed from \"='NSR Calculator'!F53\" to \"='NSR Calculator'!F52\"."]
[null,null,{"$f":"C3334","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!AH104:AT104","Made the changes to the other columns."]
[null,null,{"$f":"C3335","v":15.4},"i","2024-09-09","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets and adjusted accordingly."]
[null,null,{"$f":"C3336","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!G118","Changed from \"=G103\" to \"=G106\"."]
[null,null,{"$f":"C3337","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!H118:AU118","Made the changes to the other columns."]
[null,null,{"$f":"C3338","v":15.4},"i","2024-09-09","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets and adjusted accordingly."]
[null,null,{"$f":"C3339","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!AB119","Changed from \"=AB78+AB81+AB84+AB87+AB90+AB93+AB96+AB99+AB102\" to \"=AB78+AB81+AB84+AB87+AB90+AB93+AB96+AB99+AB102\"."]
[null,null,{"$f":"C3340","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!AH119:AT119","Made the changes to the other columns."]
[null,null,{"$f":"C3341","v":15.4},"i","2024-09-09","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets and adjusted accordingly."]
[null,null,{"$f":"C3342","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation Parameters!19","Copied row 18 and inserted at row 19."]
[null,null,{"$f":"C3343","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation Parameters!B19","Changed from \"Investment\" to \"Child Support\"."]
[null,null,{"$f":"C3344","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation Parameters!C19:D19","Changed to \"20%\"."]
[null,null,{"$f":"C3345","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!AN19","Changed to \"Child Support\"."]
[null,null,{"$f":"C3346","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!AP19","Changed to \"='Calculator Parameters'!C19\"."]
[null,null,{"$f":"C3347","v":15.4},"i","2024-09-09","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets."]
[null,null,{"$f":"C3348","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!G113","Changed from \"=G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12\" to \"=G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12+(G106-G103)*$AP$19\"."]
[null,null,{"$f":"C3349","v":15.4},"i","2024-09-09","D14879","S Greig","Calculation!I113:U113","Made the changes to the other columns."]
[null,null,{"$f":"C3350","v":15.4},"i","2024-09-09","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets."]
[null,null,{"$f":"C3351","v":15.4},"i","2024-09-09","D14879","S Greig","Buttons","Moved down so the text could be read."]
[null,null,{"$f":"C3352","v":15.4},"j","2024-09-10","D14879","S Greig","Calculation!Z104,AF,AL,AR","Force Child Support student loan repayments to zero."]
[null,null,{"$f":"C3353","v":15.4},"j","2024-09-10","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets."]
[null,null,{"$f":"C3354","v":15.4},"j","2024-09-10","D14879","S Greig","Calculation!Y104,AE,AK,AQ","Changed from \"=IF((G104-$F$82)>$AO$44,$AM$44,IF((G104-G103)>0,(G104-$F$82)*$AK$44,Y103))\" to \"=Y103\"."]
[null,null,{"$f":"C3355","v":15.4},"j","2024-09-10","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets."]
[null,null,{"$f":"C3356","v":15.4},"j","2024-09-10","D14879","S Greig","Calculation!X104,AE,AK,AQ","Changed from \"=IF(G104>$AI$54,(G104-$AI$54)*$AK$55+$AM$54,IF(G104>$AI$53,(G104-$AI$53)*$AK$54+$AM$53,IF(G104 > $AI$52,(G104-$AI$52)*$AK$53+$AM$52,IF(G104>$AI$51,(G104-$AI$51)*$AK$52+$AM$51,IF(G104>0,G104*$AK$51,0)))))\" to \"0\"."]
[null,null,{"$f":"C3357","v":15.4},"j","2024-09-10","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets."]
[null,null,{"$f":"C3358","v":15.4},"j","2024-09-10","D14879","S Greig","Calculation!X105,AE,AK,AQ","Changed from \"=G105-I105-Y105\" to \"0\"."]
[null,null,{"$f":"C3359","v":15.4},"j","2024-09-10","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets."]
[null,null,{"$f":"C3360","v":15.4},"j","2024-09-10","D14879","S Greig","Calculation!Y104,AE,AK,AQ","Changed from \"=IF((G105-$F$82)>$AO$44,$AM$44,IF((G105-G103)>0,(G105-$F$82)*$AK$44,Y103))\" to \"=Y103\"."]
[null,null,{"$f":"C3361","v":15.4},"j","2024-09-10","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets."]
[null,null,{"$f":"C3362","v":15.4},"j","2024-09-10","D14879","S Greig","NSR Calculator!F52,K,P,U,AA,AF,AL,AQ,AW,BB","Remove the Kiwisaver input for Child Support."]
[null,null,{"$f":"C3363","v":15.4},"j","2024-09-10","D14879","S Greig","NSR Calculator!","Locked unused cells."]
[null,null,15.5,"a",{"$f":"E3364","v":"2024-09-10"},"D14879","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 15.5\"and leave the focus on cell C9."]
[null,null,{"$f":"C3365","v":15.5},"b","2024-09-10","D14879","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3366","v":15.5},"b","2024-09-10","D14879","S Greig","NSR Calculator!L4","Changed version to \"Version 15.5\" and leave the focus on cell C9."]
[null,null,{"$f":"C3367","v":15.5},"b","2024-09-10","D14879","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3368","v":15.5},"b","2024-09-10","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3369","v":15.5},"b","2024-09-10","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3370","v":15.5},"c","2024-09-10","D14879","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3371","v":15.5},"c","2024-09-10","D14879","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 15.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3372","v":15.5},"c","2024-09-10","D14879","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3373","v":15.5},"c","2024-09-10","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3374","v":15.5},"c","2024-09-10","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3375","v":15.5},"d","2024-09-10","D14879","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3376","v":15.5},"d","2024-09-10","D14879","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3377","v":15.5},"d","2024-09-10","D14879","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3378","v":15.5},"d","2024-09-10","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3379","v":15.5},"d","2024-09-10","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3380","v":15.5},"e","2024-09-10","D14879","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3381","v":15.5},"e","2024-09-12","D14879","S Greig","DTI Calculation!28-29","Copied rows 28-29 and inserted at row 28."]
[null,null,{"$f":"C3382","v":15.5},"e","2024-09-12","D14879","S Greig","DTI Calculation!B31","Changed from \"Contract\" to \"Child Support\"."]
[null,null,{"$f":"C3383","v":15.5},"e","2024-09-12","D14879","S Greig","DTI Calculation!C31,G31,K31,O31","Changed from \"=Calculation!I42*INDEX(Calculation!$AK$9:$AK$13,Calculation!G42,0)\" to \"=Calculation!I45*INDEX(Calculation!$AK$9:$AK$13,Calculation!G45,0)\"."]
[null,null,{"$f":"C3384","v":15.5},"e","2024-09-12","D14879","S Greig","DTI Calculation!D29,H29,L29,P29","Changed from \"=C29-(Calculation!X99-Calculation!X96)\" to \"=C29-(Calculation!X101-Calculation!X98)\"."]
[null,null,{"$f":"C3385","v":15.5},"e","2024-09-12","D14879","S Greig","DTI Calculation!D31,H31,L31,P31","Changed from \"=C31-(Calculation!X101-Calculation!X98)\" to \"=C31-(Calculation!X104-Calculation!X101)\"."]
[null,null,{"$f":"C3386","v":15.5},"e","2024-09-12","D14879","S Greig","DTI2-4!","Made the DTI Calculation changes to the other DTI sheets."]
[null,null,{"$f":"C3387","v":15.5},"f","2024-09-12","D14879","S Greig","DTI Calculation!U31, DTI2-4!","Changed from \"='Calculator Parameters'!D15\" to \"='Calculator Parameters'!D19\"."]
[null,null,{"$f":"C3388","v":15.5},"f","2024-09-12","D14879","S Greig","DTI Report!Q10-Q13","Changed from \"='DTI Calculation'!W23+'DTI Calculation'!W31\" to \"='DTI Calculation'!W23+'DTI Calculation'!W29+'DTI Calculation'!W31\"."]
[null,null,{"$f":"C3389","v":15.5},"f","2024-09-12","D14879","S Greig","DTI Calculation!C29,G29,K29,O29","Changed from \"=Calculation!I40*INDEX(Calculation!$AK$9:$AK$13,Calculation!G40,0)\" to \"=Calculation!I42*INDEX(Calculation!$AK$9:$AK$13,Calculation!G42,0)\"."]
[null,null,{"$f":"C3390","v":15.5},"f","2024-09-12","D14879","S Greig","DTI2-4!","Made the DTI Calculation changes to the other DTI sheets."]
[null,null,{"$f":"C3391","v":15.5},"g","2024-09-12","D14879","S Greig","DTI Report!Z10-Z13","Changed from \"='DTI Calculation'!R23+'DTI Calculation'!R31\" to \"='DTI Calculation'!R23+'DTI Calculation'!R29+'DTI Calculation'!R31\"."]
[null,null,{"$f":"C3392","v":15.5},"h","2024-09-12","D14879","S Greig","To create the DTI version","Copy previously unlocked \"g\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3393","v":15.5},"h","2024-09-12","D14879","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3394","v":15.5},"h","2024-09-12","D14879","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3395","v":15.5},"h","2024-09-12","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3396","v":15.5},"h","2024-09-12","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3397","v":15.5},"i","2024-09-12","D14879","S Greig","To create the next version","Based the new version on the previously unlocked \"g\" version and add a letter to the end."]
[null,null,{"$f":"C3398","v":15.5},"i","2024-09-19","D14879","S Greig","Calculator Parameters!C19:D19","Changed from \"20%\" to \"80%\"."]
[null,null,15.6,"a",{"$f":"E3399","v":"2024-09-19"},"D14879","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 15.6\"and leave the focus on cell C9."]
[null,null,{"$f":"C3400","v":15.6},"b","2024-09-19","D14879","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3401","v":15.6},"b","2024-09-19","D14879","S Greig","NSR Calculator!L4","Changed version to \"Version 15.6\" and leave the focus on cell C9."]
[null,null,{"$f":"C3402","v":15.6},"b","2024-09-19","D14879","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3403","v":15.6},"b","2024-09-19","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3404","v":15.6},"b","2024-09-19","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3405","v":15.6},"c","2024-09-19","D14879","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3406","v":15.6},"c","2024-09-19","D14879","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 15.6\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3407","v":15.6},"c","2024-09-19","D14879","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3408","v":15.6},"c","2024-09-19","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3409","v":15.6},"c","2024-09-19","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3410","v":15.6},"d","2024-09-19","D14879","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3411","v":15.6},"d","2024-09-19","D14879","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.6\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3412","v":15.6},"d","2024-09-19","D14879","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3413","v":15.6},"d","2024-09-19","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3414","v":15.6},"d","2024-09-19","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3415","v":15.6},"e","2024-09-19","D14879","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3416","v":15.6},"e","2024-09-23","D14879","S Greig","Calculation!X104,Y,AD,AE,AJ,AK,AP,AQ","Copied the formula from X83 to X104 and repeated for the other columns."]
[null,null,{"$f":"C3417","v":15.6},"e","2024-09-23","D14879","S Greig","Calculation!X105,Y,AD,AE,AJ,AK,AP,AQ","Copied the formula from X84 to X105 and repeated for the other columns."]
[null,null,{"$f":"C3418","v":15.6},"e","2024-09-23","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets."]
[null,null,15.7,"a",{"$f":"E3419","v":"2024-09-23"},"D14879","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 15.7\"and leave the focus on cell C9."]
[null,null,{"$f":"C3420","v":15.7},"b","2024-09-23","D14879","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3421","v":15.7},"b","2024-09-23","D14879","S Greig","NSR Calculator!L4","Changed version to \"Version 15.7\" and leave the focus on cell C9."]
[null,null,{"$f":"C3422","v":15.7},"b","2024-09-23","D14879","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3423","v":15.7},"b","2024-09-23","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3424","v":15.7},"b","2024-09-23","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3425","v":15.7},"c","2024-09-23","D14879","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3426","v":15.7},"c","2024-09-23","D14879","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 15.7\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3427","v":15.7},"c","2024-09-23","D14879","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3428","v":15.7},"c","2024-09-23","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3429","v":15.7},"c","2024-09-23","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3430","v":15.7},"d","2024-09-23","D14879","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3431","v":15.7},"d","2024-09-23","D14879","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.7\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3432","v":15.7},"d","2024-09-23","D14879","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3433","v":15.7},"d","2024-09-23","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3434","v":15.7},"d","2024-09-23","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3435","v":15.7},"e","2024-09-23","D14879","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3436","v":15.7},"e","2024-09-23","D14879","S Greig","DTI2-4!","Corrected row heights to match DTI Calculation sheet."]
[null,null,{"$f":"C3437","v":15.7},"e","2024-09-23","D14879","S Greig","Calculation!X104,AD,AJ,AP","Changed from \"=IF(G104>$AI$54,(G104-$AI$54)*$AK$55+$AM$54,IF(G104>$AI$53,(G104-$AI$53)*$AK$54+$AM$53,IF(G104 > $AI$52,(G104-$AI$52)*$AK$53+$AM$52,IF(G104>$AI$51,(G104-$AI$51)*$AK$52+$AM$51,IF(G104>0,G104*$AK$51,0)))))\" to \"=X103\"."]
[null,null,{"$f":"C3438","v":15.7},"e","2024-09-23","D14879","S Greig","Calculation!Y104,AE,AK,AQ","Changed from \"=IF((G104-$F$82)>$AO$44,$AM$44,IF((G104-G103)>0,(G104-$F$82)*$AK$44,Y103))\" to \"=Y103\"."]
[null,null,{"$f":"C3439","v":15.7},"e","2024-09-23","D14879","S Greig","Calculation!Y105,AE,AK,AQ","Changed from \"=IF((G105-$F$82)>$AO$44,$AM$44,IF((G105-G103)>0,(G105-$F$82)*$AK$44,Y103))\" to \"=Y103\"."]
[null,null,{"$f":"C3440","v":15.7},"e","2024-09-23","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets."]
[null,null,15.8,"a",{"$f":"E3441","v":"2024-09-23"},"D14879","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 15.8\"and leave the focus on cell C9."]
[null,null,{"$f":"C3442","v":15.8},"b","2024-09-23","D14879","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3443","v":15.8},"b","2024-09-23","D14879","S Greig","NSR Calculator!L4","Changed version to \"Version 15.8\" and leave the focus on cell C9."]
[null,null,{"$f":"C3444","v":15.8},"b","2024-09-23","D14879","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3445","v":15.8},"b","2024-09-23","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3446","v":15.8},"b","2024-09-23","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3447","v":15.8},"c","2024-09-23","D14879","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3448","v":15.8},"c","2024-09-23","D14879","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 15.8\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3449","v":15.8},"c","2024-09-23","D14879","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3450","v":15.8},"c","2024-09-23","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3451","v":15.8},"c","2024-09-23","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3452","v":15.8},"d","2024-09-23","D14879","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3453","v":15.8},"d","2024-09-23","D14879","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.8\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3454","v":15.8},"d","2024-09-23","D14879","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3455","v":15.8},"d","2024-09-23","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3456","v":15.8},"d","2024-09-23","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3457","v":15.8},"e","2024-09-23","D14879","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3458","v":15.8},"f","2024-10-01","D14879","S Greig","Calculator Parameters!C51","Changed from \"6%\" to \"5.75%\"."]
[null,null,15.9,"a",{"$f":"E3459","v":"2024-10-01"},"D14879","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 15.9\"and leave the focus on cell C9."]
[null,null,{"$f":"C3460","v":15.9},"b","2024-10-01","D14879","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3461","v":15.9},"b","2024-10-01","D14879","S Greig","NSR Calculator!L4","Changed version to \"Version 15.9\" and leave the focus on cell C9."]
[null,null,{"$f":"C3462","v":15.9},"b","2024-10-01","D14879","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3463","v":15.9},"b","2024-10-01","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3464","v":15.9},"b","2024-10-01","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3465","v":15.9},"c","2024-10-01","D14879","S Greig","To create a Broker Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Broker\" in the name."]
[null,null,{"$f":"C3466","v":15.9},"c","2024-10-01","D14879","S Greig","NSR Calculator!L4","Changed version to \"Broker Version 15.9\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3467","v":15.9},"c","2024-10-01","D14879","S Greig","Module1","Changed LockedVersion and BrokerVersion to True. "]
[null,null,{"$f":"C3468","v":15.9},"c","2024-10-01","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3469","v":15.9},"c","2024-10-01","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3470","v":15.9},"d","2024-10-01","D14879","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3471","v":15.9},"d","2024-10-01","D14879","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 15.9\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3472","v":15.9},"d","2024-10-01","D14879","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3473","v":15.9},"d","2024-10-01","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3474","v":15.9},"d","2024-10-01","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3475","v":15.9},"e","2024-10-01","D14879","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3476","v":15.9},"f","2024-10-09","D14879","S Greig","Code","Changed references to Broker to Adviser."]
[null,null,{"$f":"C3477","v":15.9},"h","2024-10-09","D14879","S Greig","To create an Adviser Version","Copy previously unlocked \"f\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3478","v":15.9},"h","2024-10-09","D14879","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 15.9\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3479","v":15.9},"h","2024-10-09","D14879","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3480","v":15.9},"h","2024-10-09","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3481","v":15.9},"h","2024-10-09","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3482","v":15.9},"i","2024-10-09","D14879","S Greig","To create the next version","Based the new version on the previously unlocked \"f\" version and add a letter to the end."]
[null,null,{"$f":"C3483","v":15.9},"i","2024-10-21","D14879","S Greig","Calculation!I93","Changed from \"=IF(H34=$AH$17,@INDEX($AH$9:$AK$13,G33,4)*I33+#REF!,0)\" to \"=IF(H34=$AH$17,@INDEX($AH$9:$AK$13,G33,4)*I33+I91,0)\"."]
[null,null,{"$f":"C3484","v":15.9},"i","2024-10-21","D14879","S Greig","Calculation!I96","Changed from \"=IF(H37=$AH$17,@INDEX($AH$9:$AK$13,G36,4)*I36+#REF!,0)\" to \"\"."]
[null,null,{"$f":"C3485","v":15.9},"i","2024-10-21","D14879","S Greig","Calculation!M93,M96,Q93,Q96,U93,U96","Made similar changes to other columns."]
[null,null,{"$f":"C3486","v":15.9},"i","2024-10-21","D14879","S Greig","Calc2-4!","Copied the changes to the other calculation sheets."]
[null,null,16,"a",{"$f":"E3487","v":"2024-10-21"},"D14879","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 16.0\"and leave the focus on cell C9."]
[null,null,{"$f":"C3488","v":16},"b","2024-10-21","D14879","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3489","v":16},"b","2024-10-21","D14879","S Greig","NSR Calculator!L4","Changed version to \"Version 16.0\" and leave the focus on cell C9."]
[null,null,{"$f":"C3490","v":16},"b","2024-10-21","D14879","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3491","v":16},"b","2024-10-21","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3492","v":16},"b","2024-10-21","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3493","v":16},"c","2024-10-21","D14879","S Greig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3494","v":16},"c","2024-10-21","D14879","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3495","v":16},"c","2024-10-21","D14879","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3496","v":16},"c","2024-10-21","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3497","v":16},"c","2024-10-21","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3498","v":16},"d","2024-10-21","D14879","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3499","v":16},"d","2024-10-21","D14879","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 16.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3500","v":16},"d","2024-10-21","D14879","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3501","v":16},"d","2024-10-21","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3502","v":16},"d","2024-10-21","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3503","v":16},"e","2024-10-21","D14879","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3504","v":16},"e","2024-10-23","D14879","S Greig","Calculator Parameters!C51","Changed from \"5.75%\" to \"5.50%\". SBS Foundation Base Rate."]
[null,null,16.100000000000001,"a",{"$f":"E3505","v":"2024-10-23"},"D14879","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 16.1\"and leave the focus on cell C9."]
[null,null,{"$f":"C3506","v":16.100000000000001},"b","2024-10-23","D14879","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3507","v":16.100000000000001},"b","2024-10-23","D14879","S Greig","NSR Calculator!L4","Changed version to \"Version 16.1\" and leave the focus on cell C9."]
[null,null,{"$f":"C3508","v":16.100000000000001},"b","2024-10-23","D14879","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3509","v":16.100000000000001},"b","2024-10-23","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3510","v":16.100000000000001},"b","2024-10-23","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3511","v":16.100000000000001},"c","2024-10-23","D14879","S Greig","To create a Adviser Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3512","v":16.100000000000001},"c","2024-10-23","D14879","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.1\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3513","v":16.100000000000001},"c","2024-10-23","D14879","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3514","v":16.100000000000001},"c","2024-10-23","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3515","v":16.100000000000001},"c","2024-10-23","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3516","v":16.100000000000001},"d","2024-10-23","D14879","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3517","v":16.100000000000001},"d","2024-10-23","D14879","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 16.1\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3518","v":16.100000000000001},"d","2024-10-23","D14879","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3519","v":16.100000000000001},"d","2024-10-23","D14879","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3520","v":16.100000000000001},"d","2024-10-23","D14879","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3521","v":16.100000000000001},"e","2024-10-23","D14879","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3522","v":16.100000000000001},"f","2024-12-04","D15075",{"$f":"G3522","v":"S Greig"},"Calculator Parameters!C51","Changed from \"5.5%\" to \"5.0%\"."]
[null,null,{"$f":"C3523","v":16.100000000000001},"f",{"$f":"E3523","v":"2024-12-04"},"D15075","S Greig","Calculator Parameters!C20:D20","Changed from \"50%\" to \"80%\"."]
[null,null,16.2,"a",{"$f":"E3524","v":"2024-12-04"},"D15075","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 16.2\"and leave the focus on cell C9."]
[null,null,{"$f":"C3525","v":16.2},"b",{"$f":"E3525","v":"2024-12-04"},"D15075","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3526","v":16.2},"b",{"$f":"E3526","v":"2024-12-04"},"D15075","S Greig","NSR Calculator!L4","Changed version to \"Version 16.2\" and leave the focus on cell C9."]
[null,null,{"$f":"C3527","v":16.2},"b",{"$f":"E3527","v":"2024-12-04"},"D15075","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3528","v":16.2},"b",{"$f":"E3528","v":"2024-12-04"},"D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3529","v":16.2},"b",{"$f":"E3529","v":"2024-12-04"},"D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3530","v":16.2},"c",{"$f":"E3530","v":"2024-12-04"},"D15075","S Greig","To create a Adviser Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3531","v":16.2},"c",{"$f":"E3531","v":"2024-12-04"},"D15075","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3532","v":16.2},"c",{"$f":"E3532","v":"2024-12-04"},"D15075","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3533","v":16.2},"c",{"$f":"E3533","v":"2024-12-04"},"D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3534","v":16.2},"c",{"$f":"E3534","v":"2024-12-04"},"D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3535","v":16.2},"d",{"$f":"E3535","v":"2024-12-04"},"D15075","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3536","v":16.2},"d",{"$f":"E3536","v":"2024-12-04"},"D15075","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 16.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3537","v":16.2},"d",{"$f":"E3537","v":"2024-12-04"},"D15075","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3538","v":16.2},"d",{"$f":"E3538","v":"2024-12-04"},"D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3539","v":16.2},"d",{"$f":"E3539","v":"2024-12-04"},"D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3540","v":16.2},"e",{"$f":"E3540","v":"2024-12-04"},"D15075","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3541","v":16.2},"f","2024-12-09",{"$f":"F3541","v":"D15075"},"S Greig","NSR Calculator!N87:T90","Remove \"  Refer CPS 2.\" form the living expense help message for the advisor version."]
[null,null,{"$f":"C3542","v":16.2},"g",{"$f":"E3542","v":"2024-12-09"},"D15075","S Greig","To create a Adviser Version","Copy previously unlocked \"f\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3543","v":16.2},"g",{"$f":"E3543","v":"2024-12-09"},"D15075","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.2g\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3544","v":16.2},"g",{"$f":"E3544","v":"2024-12-09"},"D15075","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3545","v":16.2},"g",{"$f":"E3545","v":"2024-12-09"},"D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3546","v":16.2},"g",{"$f":"E3546","v":"2024-12-09"},"D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3547","v":16.2},"h",{"$f":"E3547","v":"2024-12-09"},"D15075","S Greig","To create the next version","Based the new version on the previously unlocked \"f\" version and add a letter to the end."]
[null,null,{"$f":"C3548","v":16.2},"k","2025-02-20",{"$f":"F3548","v":"D15075"},"S Greig","To create the next version","Copy previous h version as there was a one-off I version for Richard."]
[null,null,{"$f":"C3549","v":16.2},"k","2025-02-20","D15075","S Greig","Calculator Parameters!C51","Changed from \"5.00%\" to \"4.50%\"."]
[null,null,16.3,"a",{"$f":"E3550","v":"2025-02-20"},"D15075","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 16.3\"and leave the focus on cell C9."]
[null,null,{"$f":"C3551","v":16.3},"b","2025-02-20","D15075","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3552","v":16.3},"b","2025-02-20","D15075","S Greig","NSR Calculator!L4","Changed version to \"Version 16.3\" and leave the focus on cell C9."]
[null,null,{"$f":"C3553","v":16.3},"b","2025-02-20","D15075","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3554","v":16.3},"b","2025-02-20","D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3555","v":16.3},"b","2025-02-20","D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3556","v":16.3},"c","2025-02-20","D15075","S Greig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3557","v":16.3},"c","2025-02-20","D15075","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3558","v":16.3},"c","2025-02-20","D15075","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3559","v":16.3},"c","2025-02-20","D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3560","v":16.3},"c","2025-02-20","D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3561","v":16.3},"d","2025-02-20","D15075","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3562","v":16.3},"d","2025-02-20","D15075","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 16.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3563","v":16.3},"d","2025-02-20","D15075","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3564","v":16.3},"d","2025-02-20","D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3565","v":16.3},"d","2025-02-20","D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3566","v":16.3},"e","2025-02-20","D15075","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3567","v":16.3},"e","2025-02-20","D15075","S Greig","Calculator Parameters!AF20:AG23","Added the 2025/2026 figures."]
[null,null,{"$f":"C3568","v":16.3},"e","2025-03-18","D15075","S Greig","Calculator Parameters!C22","Changed from \"0.0160\" to \"0.0167\"."]
[null,null,{"$f":"C3569","v":16.3},"e","2025-03-18","D15075","S Greig","Calculator Parameters!D22","Changed from \"2276.52\" to \"2551.59\"."]
[null,null,{"$f":"C3570","v":16.3},"e","2025-03-18","D15075","S Greig","Calculator Parameters!C23","Changed from \"0.0160\" to \"=C22\"."]
[null,null,{"$f":"C3571","v":16.3},"e","2025-03-18","D15075","S Greig","Calculator Parameters!D23","Changed from \"2276.52\" to \"=D22\"."]
[null,null,{"$f":"C3572","v":16.3},"e","2025-03-18","D15075","S Greig","Calculator Parameters!C23:D23","Greyed the cells because they are derived."]
[null,null,16.399999999999999,"a",{"$f":"E3573","v":"2025-03-18"},"D15075","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 16.3\"and leave the focus on cell C9."]
[null,null,{"$f":"C3574","v":16.399999999999999},"b","2025-03-18","D15075","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3575","v":16.399999999999999},"b","2025-03-18","D15075","S Greig","NSR Calculator!L4","Changed version to \"Version 16.3\" and leave the focus on cell C9."]
[null,null,{"$f":"C3576","v":16.399999999999999},"b","2025-03-18","D15075","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3577","v":16.399999999999999},"b","2025-03-18","D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3578","v":16.399999999999999},"b","2025-03-18","D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3579","v":16.399999999999999},"c","2025-03-18","D15075","S Greig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3580","v":16.399999999999999},"c","2025-03-18","D15075","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3581","v":16.399999999999999},"c","2025-03-18","D15075","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3582","v":16.399999999999999},"c","2025-03-18","D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3583","v":16.399999999999999},"c","2025-03-18","D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3584","v":16.399999999999999},"d","2025-03-18","D15075","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3585","v":16.399999999999999},"d","2025-03-18","D15075","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 16.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3586","v":16.399999999999999},"d","2025-03-18","D15075","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3587","v":16.399999999999999},"d","2025-03-18","D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3588","v":16.399999999999999},"d","2025-03-18","D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3589","v":16.399999999999999},"e","2025-03-18","D15075","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3590","v":16.399999999999999},"e","2025-04-10","D15075","S Greig","Calculator Parameters!C51","Changed from \"4.50%\" to \"4.25%\"."]
[null,null,16.5,"a",{"$f":"E3591","v":"2025-04-10"},"D15075","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 16.5\"and leave the focus on cell C9."]
[null,null,{"$f":"C3592","v":16.5},"b","2025-04-10","D15075","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3593","v":16.5},"b","2025-04-10","D15075","S Greig","NSR Calculator!L4","Changed version to \"Version 16.5\" and leave the focus on cell C9."]
[null,null,{"$f":"C3594","v":16.5},"b","2025-04-10","D15075","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3595","v":16.5},"b","2025-04-10","D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3596","v":16.5},"b","2025-04-10","D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3597","v":16.5},"c","2025-04-10","D15075","S Greig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3598","v":16.5},"c","2025-04-10","D15075","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3599","v":16.5},"c","2025-04-10","D15075","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3600","v":16.5},"c","2025-04-10","D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3601","v":16.5},"c","2025-04-10","D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3602","v":16.5},"d","2025-04-10","D15075","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3603","v":16.5},"d","2025-04-10","D15075","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 16.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3604","v":16.5},"d","2025-04-10","D15075","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3605","v":16.5},"d","2025-04-10","D15075","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3606","v":16.5},"d","2025-04-10","D15075","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3607","v":16.5},"e","2025-04-10","D15075","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3608","v":16.5},"e","2025-05-05","D15321","S Greig","NSR Calculator!B60","Changed from \"Kiwisaver contribution rate\" to \"KiwiSaver employee contribution rate\". (1)"]
[null,null,{"$f":"C3609","v":16.5},"f","2025-05-05","D15321","S Greig","Calculator Parameters!P36:P38","Copied O36:O38 to P26:P38. (9) Bracketed number refers to the recommendations."]
[null,null,{"$f":"C3610","v":16.5},"f","2025-05-05","D15321","S Greig","Calculator Parameters!P36","Changed from \"1/4/24\" to \"1/4/25\". (9)"]
[null,null,{"$f":"C3611","v":16.5},"g","2025-05-05","D15321","S Greig","NSR Calculator!L9","Changed from \"Loan Amount and Rate\" to \"Loan Amount\"."]
[null,null,{"$f":"C3612","v":16.5},"g","2025-05-05","D15321","S Greig","NSR Calculator!D27:AZ52","All income values must be decimal greater or equal to zero.(2)"]
[null,null,{"$f":"C3613","v":16.5},"h","2025-05-06","D15321","S Greig","NSR Calculator!E27:BB50","All KiwiSaver values must be decimal between 0 and 1.(2)"]
[null,null,{"$f":"C3614","v":16.5},"j","2025-05-07","D15321","S Greig","NSR Calculator!D25-AZ25","All age values must be whole numbers between 0 and 120.(2)"]
[null,null,{"$f":"C3615","v":16.5},"k","2025-05-12","D15321","S Greig","Calculator Parameters!B48","Changed from \"FHL default floating rate\" to \"\".(5)…"]
[null,null,{"$f":"C3616","v":16.5},"k","2025-05-12","D15321","S Greig","Calculator Parameters!C48","Changed from \"2.75%\" to \"\"."]
[null,null,{"$f":"C3617","v":16.5},"k","2025-05-12","D15321","S Greig","Calculator Parameters!B49","Changed from \"FHL Interest rate buffer\" to \"\"."]
[null,null,{"$f":"C3618","v":16.5},"k","2025-05-12","D15321","S Greig","Calculator Parameters!C49","Changed from \"2.5%\" to \"\"."]
[null,null,{"$f":"C3619","v":16.5},"k","2025-05-12","D15321","S Greig","Calculation!AH175","Changed from \"='Calculator Parameters'!B49\" to \"\"."]
[null,null,{"$f":"C3620","v":16.5},"k","2025-05-12","D15321","S Greig","Calculation!AH176","Changed from \"='Calculator Parameters'!B48\" to \"\"."]
[null,null,{"$f":"C3621","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!AK175","Changed from \"='Calculator Parameters'!C49\" to \"\"."]
[null,null,{"$f":"C3622","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!E285","Changed from \"=D285+$AK$175\" to \"\"."]
[null,null,{"$f":"C3623","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!AL175","Changed from \"=AK175*100\" to \"\"."]
[null,null,{"$f":"C3624","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!AK176","Changed from \"='Calculator Parameters'!C48\" to \"\"."]
[null,null,{"$f":"C3625","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!D285","Changed from \"=$AK$176\" to \"\"."]
[null,null,{"$f":"C3626","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!F285","Changed from \"=E285/12\" to \"\"."]
[null,null,{"$f":"C3627","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!C285","Changed from \"FHL Rate\" to \"\"."]
[null,null,{"$f":"C3628","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!Z305","Changed from \"=Y305\" to \"=(I135/12)+N459+Calc2!Z305+Calc3!Z305+Calc4!Z305\"."]
[null,null,{"$f":"C3629","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!AA305","Changed from \"=Y305\" to \"=Z305\"."]
[null,null,{"$f":"C3630","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!Z307","Changed from \"=Y307\" to \"=I319\"."]
[null,null,{"$f":"C3631","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!AA307","Changed from \"=Y307\" to \"=Z307\"."]
[null,null,{"$f":"C3632","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!Y291:Y310","Removed FHL from the table.(5)"]
[null,null,{"$f":"C3633","v":16.5},"k","2025-05-13","D15321","S Greig","Calc2-4!Y291:Y310","Removed FHL from the table.(5)"]
[null,null,{"$f":"C3634","v":16.5},"k","2025-05-13","D15321","S Greig","Calculation!Y474:Y490","Removed FHL from the table.(5)"]
[null,null,{"$f":"C3635","v":16.5},"k","2025-05-13","D15321","S Greig","Calc2-4!C285:F285","Removed FHL related cells.(5)"]
[null,null,{"$f":"C3636","v":16.5},"l","2025-05-13","D15321","S Greig","Calculation!H295","The link to the FHL MLA sheet changed from \"='FHL MLA'!C7\" to \"\"."]
[null,null,{"$f":"C3637","v":16.5},"l","2025-05-13","D15321","S Greig","Calc2-4!H295","The link to the FHL MLA sheet changed from \"='FHL MLA'!C7\" to \"\"."]
[null,null,{"$f":"C3638","v":16.5},"m","2025-05-13","D15321","S Greig","FHL MLA!","The sheet was removed.(5)"]
[null,null,{"$f":"C3639","v":16.5},"m","2025-05-13","D15321","S Greig","Calculation!H297","Changed from \"=IF(H15,H295,0)\" to \"\"."]
[null,null,{"$f":"C3640","v":16.5},"m","2025-05-13","D15321","S Greig","Calc2-4!H297","Changed from \"=IF(H15,H295,0)\" to \"\"."]
[null,null,{"$f":"C3641","v":16.5},"m","2025-05-13","D15321","S Greig","Calculation!J293","Changed from \"=I293+$I319\" to \"\"."]
[null,null,{"$f":"C3642","v":16.5},"m","2025-05-13","D15321","S Greig","Calculation!G293","Changed from \"Non-FHL\" to \"\"."]
[null,null,{"$f":"C3643","v":16.5},"m","2025-05-13","D15321","S Greig","Calculation!H293","Changed from \"FHL MLA\" to \"\"."]
[null,null,{"$f":"C3644","v":16.5},"m","2025-05-13","D15321","S Greig","Calc2-4!G293:H293","Cleared Non-FHL and FHL MLA labels."]
[null,null,{"$f":"C3645","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!J317","Changed from \"=J277\" to \"\".(5)"]
[null,null,{"$f":"C3646","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!J316","Changed from \"FHL\" to \"\"."]
[null,null,{"$f":"C3647","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!J277","Changed from \"=J275\" to \"\"."]
[null,null,{"$f":"C3648","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!J275","Changed from \"=J261+J263\" to \"\"."]
[null,null,{"$f":"C3649","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!J260","Changed from \"=@IF(B260=1,$AL$161,INDEX($AH$161:$AK$167,B260,4))\" to \"\"."]
[null,null,{"$f":"C3650","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!J261","Changed from \"=IF(K260,G260*J260,0)\" to \"\"."]
[null,null,{"$f":"C3651","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!J262","Changed from \"=@IF(B262=1,$AL$161,INDEX($AH$161:$AK$167,B262,4))\" to \"\"."]
[null,null,{"$f":"C3652","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!J263","Changed from \"=IF(K262,G262*J262,0)\" to \"\"."]
[null,null,{"$f":"C3653","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!J258","Changed from \"FHL\" to \"\"."]
[null,null,{"$f":"C3654","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!AL161","Changed from \"0.03\" to \"\"."]
[null,null,{"$f":"C3655","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!AL160","Changed from \"WHL\" to \"\"."]
[null,null,{"$f":"C3656","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!U337","Changed from \"=IF($H$15,V337,V336)\" to \"  Scenario Table\"."]
[null,null,{"$f":"C3657","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!U336","Changed from \"  Scenario Table\" to \"\"."]
[null,null,{"$f":"C3658","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!U337","Changed from \"  First Home Loan\" to \"\"."]
[null,null,{"$f":"C3659","v":16.5},"m","2025-05-14","D15321","S Greig","NSR Calculator!137","Changed from \"=Calculation!U337\" to \"  Scenario Table\"."]
[null,null,{"$f":"C3660","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!U337","Changed from \"  Scenario Table\" to \"\"."]
[null,null,{"$f":"C3661","v":16.5},"m","2025-05-14","D15321","S Greig","NSR Calculator!S139","Changed from \"=Calculation!Z337\" to \"IO\"."]
[null,null,{"$f":"C3662","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!Z337","Changed from \"=IF($H$15,\"\",AA336)\" to \"\"."]
[null,null,{"$f":"C3663","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!AA336","Changed from \"IO\" to \"\"."]
[null,null,{"$f":"C3664","v":16.5},"m","2025-05-14","D15321","S Greig","Calculation!I518","Changed from \"=IF($H$15,\"\",IF(AND('NSR Calculator'!S144>0,'NSR Calculator'!S144<=AK173),\"green\",\"red\"))\" to \"=IF(AND('NSR Calculator'!S144>0,'NSR Calculator'!S144<=AK173),\"green\",\"red\")\"."]
[null,null,{"$f":"C3665","v":16.5},"n","2025-05-14","D15321","S Greig","Calculation!I516","Changed from \"=IF( $H$15,IF(Y310>0,IF(Y310<=AK173,\"green\",\"red\"),\"transparent\"),IF($D$1,\"transparent\",\"automatic\"))\" to \"=IF($D$1,\"transparent\",\"automatic\")\"."]
[null,null,{"$f":"C3666","v":16.5},"n","2025-05-14","D15321","S Greig","Calculation!I515","Changed from \"=IF($D$1,IF( $H$15,\"automatic\",\"transparent\"),\"automatic\")\" to \"=IF($D$1,\"transparent\",\"automatic\")\"."]
[null,null,{"$f":"C3667","v":16.5},"n","2025-05-15","D15321","S Greig","Calculation!H246","Changed from \"=IF(H15=TRUE,E285,E284)\" to \"=E284\"."]
[null,null,{"$f":"C3668","v":16.5},"n","2025-05-15","D15321","S Greig","Calculation!H249","Changed from \"=IF(H15=TRUE,E285,E284)\" to \"=E284\"."]
[null,null,{"$f":"C3669","v":16.5},"n","2025-05-15","D15321","S Greig","Calculation!C515","Changed from \"FHL NSR Text Colour\" to \"\"."]
[null,null,{"$f":"C3670","v":16.5},"n","2025-05-15","D15321","S Greig","Calculation!C516","Changed from \"FHL NSR Amount Colour\" to \"\"."]
[null,null,{"$f":"C3671","v":16.5},"n","2025-05-15","D15321","S Greig","Calculation!I515","Changed from \"=IF($D$1,\"transparent\",\"automatic\")\" to \"\"."]
[null,null,{"$f":"C3672","v":16.5},"n","2025-05-15","D15321","S Greig","Calculation!I516","Changed from \"=IF($D$1,\"transparent\",\"automatic\")\" to \"\"."]
[null,null,{"$f":"C3673","v":16.5},"n","2025-05-15","D15321","S Greig","Calculation!K516","Changed from \"Automatic if not locked or has FHL ticked else it is transparent.\" to \"\"."]
[null,null,{"$f":"C3674","v":16.5},"n","2025-05-15","D15321","S Greig","Calculation!K517","Changed from \"Red over 95% under is green if FHL ticked else automatic not locked.\" to \"\"."]
[null,null,{"$f":"C3675","v":16.5},"o","2025-05-15","D15321","S Greig","Sheet7!ScenarioClear","Commented out code relating to \"WHL\", \"FHL\", \"H15\", \"ScenarioWHL\""]
[null,null,{"$f":"C3676","v":16.5},"o","2025-05-15","D15321","S Greig","Sheet7!ScenarioDraw","Commented out code relating to \"WHL\", \"FHL\", \"H15\", \"ScenarioWHL\""]
[null,null,{"$f":"C3677","v":16.5},"o","2025-05-15","D15321","S Greig","Sheet7!ScenarioUpdate","Commented out code relating to \"WHL\", \"FHL\", \"H15\", \"ScenarioWHL\""]
[null,null,{"$f":"C3678","v":16.5},"o","2025-05-15","D15321","S Greig","Sheet7!ResetForm_ClearContents","Commented out code relating to \"WHL\", \"FHL\", \"H15\", \"ScenarioWHL\""]
[null,null,{"$f":"C3679","v":16.5},"o","2025-05-15","D15321","S Greig","Calculation!G15,Calc2-4","Changed from \"FHL\" to \"\"."]
[null,null,{"$f":"C3680","v":16.5},"o","2025-05-15","D15321","S Greig","Calculation!H15,Calc2-4","Changed from \"FALSE\" to \"\"."]
[null,null,{"$f":"C3681","v":16.5},"p","2025-05-15","D15321","S Greig","Calculation!O212:S222","Cleared detailed FHL related SBS Bank Loans with Fixed Repayments."]
[null,null,{"$f":"C3682","v":16.5},"p","2025-05-15","D15321","S Greig","Calculation!O227:S237","Cleared detailed FHL related Existing Other Bank mortgage debt."]
[null,null,{"$f":"C3683","v":16.5},"p","2025-05-15","D15321","S Greig","Calculation!C299:I303","Cleared detailed FHL related SBS Bank Loans Monthly Fixed Repayments."]
[null,null,{"$f":"C3684","v":16.5},"p","2025-05-15","D15321","S Greig","Calculation!C305:I309","Cleared detailed FHL related Other Bank Loans Monthly P&I Repayments."]
[null,null,{"$f":"C3685","v":16.5},"p","1900-01-16","D15321","S Greig","Calc2-4!O212:S237","Cleared detailed FHL related cells."]
[null,null,{"$f":"C3686","v":16.5},"p","1900-01-16","D15321","S Greig","Calc2-4!C299:I309","Cleared detailed FHL related cells."]
[null,null,{"$f":"C3687","v":16.5},"q","1900-01-16","D15321","S Greig","Calculation!K329:K331","Copied C329:C331 to these cells for the more detailed description."]
[null,null,{"$f":"C3688","v":16.5},"q","1900-01-16","D15321","S Greig","Calculation!C321:I331","Cleared detailed FHL related Current Monthly Commitments."]
[null,null,{"$f":"C3689","v":16.5},"q","1900-01-16","D15321","S Greig","Calculation!F465","Changed from \"=IF(AND(Z310<=$AK$173,'NSR Calculator'!C159>=0),R465,IF(AND(Z310>$AK$173,G329<=$AK$173),R466,R467))\" to \"=IF(AND(Z310<=$AK$173,'NSR Calculator'!C159>=0),R465,IF(AND(Z310>$AK$173,Q329<=$AK$173),R466,R467))\"."]
[null,null,{"$f":"C3690","v":16.5},"q","1900-01-16","D15321","S Greig","Calculation!K448","Changed from \"=-PV(F284,$K$284,I477,0)\" to \"\"."]
[null,null,{"$f":"C3691","v":16.5},"q","1900-01-16","D15321","S Greig","Calculation!L448","Changed from \"=-PV(F284,$K$288,I477,0)\" to \"\"."]
[null,null,{"$f":"C3692","v":16.5},"r","1900-01-16","D15321","S Greig","Calculation!R480","Changed from \"=Q480-I480\" to \"\"."]
[null,null,{"$f":"C3693","v":16.5},"r","1900-01-16","D15321","S Greig","Calculation!R482","Changed from \"=Q482-I482\" to \"\"."]
[null,null,{"$f":"C3694","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!I493","Changed from \"=IF(NPER(F284,-I480,$E282,0)<=$K$284,ROUND(NPER(F284,-I480,$E282,0),0),\"Cannot be repaid within the maximum term\")\" to \"\"."]
[null,null,{"$f":"C3695","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!I492","Changed from \"=IF(NPER(F284,-I480,$E282,0)<=$K$284,NPER(F284,-I480,$E282,0),\"Cannot be repaid within the maximum term\")\" to \"\"."]
[null,null,{"$f":"C3696","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!I491","Changed from \"=-PV(F284,$K$286,I480,0)\" to \"\"."]
[null,null,{"$f":"C3697","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!I489","Changed from \"=I487/AK178 -I487\" to \"\"."]
[null,null,{"$f":"C3698","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!I487","Changed from \"=-PV(F284,$K$284,I480,0)\" to \"\"."]
[null,null,{"$f":"C3699","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!I482","Changed from \"=I473+$J169-$I297-Y299\" to \"\"."]
[null,null,{"$f":"C3700","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!I480","Changed from \"=I477-Y299\" to \"\"."]
[null,null,{"$f":"C3701","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!I477","Changed from \"=J475*(I473-I321+N459)+J169\" to \"\"."]
[null,null,{"$f":"C3702","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!I476","Changed from \"Suggested\" to \"\"."]
[null,null,{"$f":"C3703","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!R490","Changed from \"=-PV(F284,$K$286,J480,0)\" to \"\"."]
[null,null,{"$f":"C3704","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!P492","Changed from \"=IF(ABS(O492+J480)<0.01,\"OK\", \"Need to check\")\" to \"\"."]
[null,null,{"$f":"C3705","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!P491","Changed from \"=IF(ABS(O491+J480)<0.01,\"OK\", \"Need to check\")\" to \"\"."]
[null,null,{"$f":"C3706","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!O492","Changed from \"=PMT(F284,J492,E282)\" to \"\"."]
[null,null,{"$f":"C3707","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!O491","Changed from \"=PMT(F284,K286,J491)\" to \"\"."]
[null,null,{"$f":"C3708","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!K493","Changed from \"=IF(AND(J493>11,J493<24),\"1 year \",IF(J493>23,INT(J493/12)&\" years \",))&IF(MOD(J493,12)=1,\" 1 month\",IF(MOD(J493,12)>1,MOD(J493,12)&\" months\",))\" to \"\"."]
[null,null,{"$f":"C3709","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!K492","Changed from \"=IF(AND(J492>11,J492<24),\"1 year \",IF(J492>23,INT(J492/12)&\" years \",))&IF(MOD(ROUND(J492,0),12)=1,\" 1 month\",IF(MOD(ROUND(J492,0),12)>1,MOD(ROUND(J492,0),12)&\" months\",))\" to \"\"."]
[null,null,{"$f":"C3710","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!J493","Changed from \"=IF(NPER(F284,-J480,$E282,0)<=$K$284,ROUND(NPER(F284,-J480,$E282,0),0),\"Cannot be repaid within the maximum term\")\" to \"\"."]
[null,null,{"$f":"C3711","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!J492","Changed from \"=IF(NPER(F284,-J480,$E282,0)<=$K$284,NPER(F284,-J480,$E282,0),\"Cannot be repaid within the maximum term\")\" to \"\"."]
[null,null,{"$f":"C3712","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!J491","Changed from \"=-PV(F284,$K$286,J480,0)\" to \"\"."]
[null,null,{"$f":"C3713","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!C493","Changed from \"Minimum Term Required to Repay Proposed Loan (Months Rounded)\" to \"\"."]
[null,null,{"$f":"C3714","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!C492","Changed from \"Minimum Term Required to Repay Proposed Loan Months\" to \"\"."]
[null,null,{"$f":"C3715","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!C491","Changed from \"Maximum Loan Over Applicant Term\" to \"\"."]
[null,null,{"$f":"C3716","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!P487","Changed from \"=IF(ABS(O487+J480)<0.01,\"OK\", \"Need to check\")\" to \"\"."]
[null,null,{"$f":"C3717","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!O487","Changed from \"=PMT(F284,$K$284,J487)\" to \"\"."]
[null,null,{"$f":"C3718","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!O486","Changed from \"Rept Check Value\" to \"\"."]
[null,null,{"$f":"C3719","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!J487","Changed from \"=-PV(F284,$K$284,J480,0)\" to \"\"."]
[null,null,{"$f":"C3720","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!C489","Changed from \"Minimum deposit\" to \"\"."]
[null,null,{"$f":"C3721","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!C488","Changed from \"Maximum TAE\" to \"\"."]
[null,null,{"$f":"C3722","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!C487","Changed from \"Maximum loan\" to \"\"."]
[null,null,{"$f":"C3723","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!J482","Changed from \"=J473+$J169-$I297-Y299\" to \"\"."]
[null,null,{"$f":"C3724","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!J480","Changed from \"=J477-Y299\" to \"\"."]
[null,null,{"$f":"C3725","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!C482","Changed from \"=\"Maximum Funds Available to service new loan within NSR of 100%\"\" to \"\"."]
[null,null,{"$f":"C3726","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!C480","Changed from \"=\"Maximum Funds Available to service new loan within NSR of \"&ROUND(AK173*100,0)&\"%\"\" to \"\"."]
[null,null,{"$f":"C3727","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!C479","Changed from \"=\"Debt Servcing Capacity with \"&$AL$175&\" % Interest Buffer\"\" to \"\"."]
[null,null,{"$f":"C3728","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!","Remove E symbols as they are not relevant anymore."]
[null,null,{"$f":"C3729","v":16.5},"r","2025-05-22","D15321","S Greig","Calculation!E288","Changed from \"=IFERROR(-PMT(F285,K286,E282,),0)\" to \"\"."]
[null,null,{"$f":"C3730","v":16.5},"s","2025-07-02","D15321","S Greig","Calculation Parameters!C42","Changed from \"95.00\" to \"97.50\"."]
[null,null,{"$f":"C3731","v":16.5},"s","2025-07-02","D15321","S Greig","Calculation!J11","Changed from \"=CONCATENATE(\"Property Investor Lending: NSR should be \",ROUND(AK173*100,0),\"% or less for approval\")\" to \"=CONCATENATE(\"Property Investor Lending: NSR should be \",ROUND(AK173*100,1),\"% or less for approval\")\"."]
[null,null,{"$f":"C3732","v":16.5},"s","2025-07-02","D15321","S Greig","Calculation!J12","Changed from \"=CONCATENATE(\"Retail Lending: NSR should be \",ROUND(AK173*100,0),\"% or less for approval\")\" to \"=CONCATENATE(\"Retail Lending: NSR should be \",ROUND(AK173*100,1),\"% or less for approval\")\"."]
[null,null,{"$f":"C3733","v":16.5},"t","2025-07-02","D15321","S Greig","To create a Advisor Version","Copy previously unlocked version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3734","v":16.5},"t","2025-07-02","D15321","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.5t (Untested)\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3735","v":16.5},"t","2025-07-02","D15321","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3736","v":16.5},"t","2025-07-02","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3737","v":16.5},"t","2025-07-02","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3738","v":16.5},"u","2025-07-02","D15321","S Greig","To create the next version","Based the new version on the previously unlocked \"s\" version and add a letter to the end."]
[null,null,{"$f":"C3739","v":16.5},"u","2025-07-02","D15321","S Greig","AutomaticSettings","Allow credit card debt to be False."]
[null,null,16.600000000000001,"a",{"$f":"E3740","v":"2025-07-02"},"D15321","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 16.6\"and leave the focus on cell C9."]
[null,null,{"$f":"C3741","v":16.600000000000001},"b","2025-07-02","D15321","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3742","v":16.600000000000001},"b","2025-07-02","D15321","S Greig","NSR Calculator!L4","Changed version to \"Version 16.6\" and leave the focus on cell C9."]
[null,null,{"$f":"C3743","v":16.600000000000001},"b","2025-07-02","D15321","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3744","v":16.600000000000001},"b","2025-07-02","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3745","v":16.600000000000001},"b","2025-07-02","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3746","v":16.600000000000001},"c","2025-07-02","D15321","S Greig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3747","v":16.600000000000001},"c","2025-07-02","D15321","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.6\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3748","v":16.600000000000001},"c","2025-07-02","D15321","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3749","v":16.600000000000001},"c","2025-07-02","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3750","v":16.600000000000001},"c","2025-07-02","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3751","v":16.600000000000001},"d","2025-07-02","D15321","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3752","v":16.600000000000001},"d","2025-07-02","D15321","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 16.6\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3753","v":16.600000000000001},"d","2025-07-02","D15321","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3754","v":16.600000000000001},"d","2025-07-02","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3755","v":16.600000000000001},"d","2025-07-02","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3756","v":16.600000000000001},"e","2025-07-02","D15321","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3757","v":16.600000000000001},"f","2025-08-19","D15321","S Greig","Calculation!J14","Changed from \"\" to \"More households\"."]
[null,null,{"$f":"C3758","v":16.600000000000001},"f","2025-08-19","D15321","S Greig","NSR Calculator!S16","Added Check Box 779 for \"More households\"."]
[null,null,{"$f":"C3759","v":16.600000000000001},"f","2025-08-19","D15321","S Greig","Sheet7:CheckBox_Click","Added code to handle More houses click (779) to show and hide extra households."]
[null,null,{"$f":"C3760","v":16.600000000000001},"f","2025-08-19","D15321","S Greig","Sheet7:SetupHouseholds","Fix the Child Support dropdowns were still showing."]
[null,null,{"$f":"C3761","v":16.600000000000001},"g","2025-10-13","D15321","S Greig","ThisWorkbook:Workbook_Open","Default the More Households to false and call setup households."]
[null,null,{"$f":"C3762","v":16.600000000000001},"g","2025-10-13","D15321","S Greig","Calculation Parameters!C51","Changed from \"4.25%\" to \"4.00%\"."]
[null,null,16.7,"a",{"$f":"E3763","v":"2025-10-13"},"D15321","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 16.7\"and leave the focus on cell C9."]
[null,null,{"$f":"C3764","v":16.7},{"$f":"D3764","v":"a"},"2025-10-13","D15321","S Greig","ThisWorkbook:Workbook_Open","Removed the More Household related code from here because I was getting a bug."]
[null,null,16.7,{"$f":"D3765","v":"a"},{"$f":"E3765","v":"2025-10-13"},"D15321","S Greig","Module1:lockup_macro","Moved the More Household code to the lockup process which should be call before saving the next version."]
[null,null,16.7,"a",{"$f":"E3766","v":"2025-10-13"},"D15321","S Greig","Sheet7:SetupHouseholds","Remove unlock and lockup calls from setup households because these are handled by the calling method."]
[null,null,16.7,"a","2025-10-13","D15321","S Greig","Module1:ResetForm_ClearContents","Make the call to hiding households conditional on the households showing."]
[null,null,16.7,{"$f":"D3767","v":"a"},{"$f":"E3768","v":"2025-10-13"},"D15321","S Greig","Module1:ClearHouseholds","Remove unlock and lockup calls from setup households because these are handled by the calling method."]
[null,null,16.7,"a",{"$f":"E3769","v":"2025-10-13"},"D15321","S Greig","Sheet7:CheckBox_Click","The second household setup needs an unlock after the clear."]
[null,null,16.7,{"$f":"D3770","v":"a"},{"$f":"E3770","v":"2025-10-13"},"D15321","S Greig","Display more households","Before saving the Unlocked be sure to tick the More Households before saving."]
[null,null,16.7,"b",{"$f":"E3771","v":"2025-10-13"},"D15321","S Greig","NSR Calculator!L4","Changed version to \"Version 16.7\" and leave the focus on cell C9."]
[null,null,16.7,"b",{"$f":"E3772","v":"2025-10-13"},"D15321","S Greig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,16.7,{"$f":"D3772","v":"b"},{"$f":"E3773","v":"2025-10-13"},"D15321","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,16.7,{"$f":"D3774","v":"b"},"2025-10-13","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,16.7,{"$f":"D3775","v":"b"},"2025-10-13","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3776","v":16.7},"c",{"$f":"E3776","v":"2025-10-13"},"D15321","S Greig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3775","v":16.7},{"$f":"D3777","v":"c"},{"$f":"E3777","v":"2025-10-13"},"D15321","S Greig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C3777","v":16.7},{"$f":"D3778","v":"c"},{"$f":"E3778","v":"2025-10-13"},"D15321","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.7\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3779","v":16.7},"c","2025-10-13","D15321","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3780","v":16.7},"c","2025-10-13","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3781","v":16.7},"c","2025-10-13","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3782","v":16.7},"d",{"$f":"E3782","v":"2025-10-13"},"D15321","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3781","v":16.7},{"$f":"D3783","v":"d"},{"$f":"E3783","v":"2025-10-13"},"D15321","S Greig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C3783","v":16.7},{"$f":"D3784","v":"d"},{"$f":"E3784","v":"2025-10-13"},"D15321","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 16.7\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3785","v":16.7},"d","2025-10-13","D15321","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3786","v":16.7},"d","2025-10-13","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3787","v":16.7},"d","2025-10-13","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3788","v":16.7},"e","2025-10-13","D15321","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3789","v":16.7},"e","2025-10-13","D15321","S Greig","Display more households","Before saving the Unlocked be sure to tick the More Households before saving."]
[null,null,{"$f":"C3790","v":16.7},{"$f":"D3790","v":"e"},"2025-10-20","D15321","S Greig","MLA!","Updated the MLA tables. "]
[null,null,16.7,"f",{"$f":"E3791","v":"2025-10-20"},{"$f":"F3791","v":"D15321"},"S Greig","NewOrOld form","Renamed CommandButton1 to NewLoanButton and the associated method."]
[null,null,16.7,"f","2025-10-20",{"$f":"F3792","v":"D15321"},"S Greig","NewOrOld form","Renamed CommandButton2 to ExistingLoanButton and the associated method."]
[null,null,16.7,"f","2025-10-20",{"$f":"F3793","v":"D15321"},"S Greig","CommandButton1_Click","Commented out the ResetForm_ClearContents call as this will be done manual via version  \"a\"."]
[null,null,16.7,"f","2025-10-20",{"$f":"F3794","v":"D15321"},"S Greig","CommandButton2_Click","Commented out the ResetForm_ClearContents call as this will be done manual via version  \"a\"."]
[null,null,16.7,"f","2025-10-20",{"$f":"F3795","v":"D15321"},"S Greig","UserForm_QueryClose","Commented out the ResetForm_ClearContents call as this will be done manual via version  \"a\"."]
[null,null,16.7,"g","2025-11-03",{"$f":"F3796","v":"D15321"},"S Greig","Calculation Parameters!C42","Changed from \"97.50%\" to \"100.00%\"."]
[null,null,16.8,"a",{"$f":"E3797","v":"2025-11-03"},"D15321","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 16.8\"and leave the focus on cell C9."]
[null,null,{"$f":"C3798","v":16.8},"a","2025-11-03","D15321","S Greig","Reset","Click on the Reset button and save."]
[null,null,{"$f":"C3799","v":16.8},"b","2025-11-03","D15321","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3800","v":16.8},"b","2025-11-03","D15321","S Greig","NSR Calculator!L4","Changed version to \"Version 16.8\" and leave the focus on cell C9."]
[null,null,{"$f":"C3801","v":16.8},{"$f":"D3801","v":"b"},"2025-11-03","D15321","S Greig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C3802","v":16.8},"b","2025-11-03","D15321","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3803","v":16.8},"b","2025-11-03","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3804","v":16.8},"b","2025-11-03","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3805","v":16.8},"c","2025-11-03","D15321","S Greig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3806","v":16.8},"c","2025-11-03","D15321","S Greig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C3807","v":16.8},"c","2025-11-03","D15321","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.8\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3808","v":16.8},"c","2025-11-03","D15321","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3809","v":16.8},"c","2025-11-03","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3810","v":16.8},"c","2025-11-03","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3811","v":16.8},"d","2025-11-03","D15321","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3812","v":16.8},"d","2025-11-03","D15321","S Greig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C3813","v":16.8},"d","2025-11-03","D15321","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 16.8\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3814","v":16.8},"d","2025-11-03","D15321","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3815","v":16.8},"d","2025-11-03","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3816","v":16.8},"d","2025-11-03","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3817","v":16.8},"e","2025-11-03","D15321","S Greig","To create the next version","Based the new version on the previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3818","v":16.8},"e","2025-11-18","D15321","S Greig","Calculation Parameters!C42","Changed from \"100.00%\" to \"97.50%\"."]
[null,null,16.899999999999999,"a",{"$f":"E3819","v":"2025-11-18"},"D15321","S Greig","NSR Calculator!L4","Changed version to \"Unlocked Version 16.9\"and leave the focus on cell C9."]
[null,null,{"$f":"C3820","v":16.899999999999999},"a","2025-11-18","D15321","S Greig","Reset","Click on the Reset button and save."]
[null,null,{"$f":"C3821","v":16.899999999999999},"b","2025-11-18","D15321","S Greig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C3822","v":16.899999999999999},"b","2025-11-18","D15321","S Greig","NSR Calculator!L4","Changed version to \"Version 16.9\" and leave the focus on cell C9."]
[null,null,{"$f":"C3823","v":16.899999999999999},"b","2025-11-18","D15321","S Greig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C3824","v":16.899999999999999},"b","2025-11-18","D15321","S Greig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C3825","v":16.899999999999999},"b","2025-11-18","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3826","v":16.899999999999999},"b","2025-11-18","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3827","v":16.899999999999999},"c","2025-11-18","D15321","S Greig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C3828","v":16.899999999999999},"c","2025-11-18","D15321","S Greig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C3829","v":16.899999999999999},"c","2025-11-18","D15321","S Greig","NSR Calculator!L4","Changed version to \"Adviser Version 16.9\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3830","v":16.899999999999999},"c","2025-11-18","D15321","S Greig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C3831","v":16.899999999999999},"c","2025-11-18","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3832","v":16.899999999999999},"c","2025-11-18","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3833","v":16.899999999999999},"d","2025-11-18","D15321","S Greig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C3834","v":16.899999999999999},"d","2025-11-18","D15321","S Greig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C3835","v":16.899999999999999},"d","2025-11-18","D15321","S Greig","NSR Calculator!L4","Changed version to \"DTI Version 16.9\"and leave the focus on cell C9. "]
[null,null,{"$f":"C3836","v":16.899999999999999},"d","2025-11-18","D15321","S Greig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C3837","v":16.899999999999999},"d","2025-11-18","D15321","S Greig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C3838","v":16.899999999999999},"d","2025-11-18","D15321","S Greig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C3839","v":16.899999999999999},"e","2025-11-18","D15321","S Greig","To create the next version","Copy previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C3840","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3841","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3842","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3843","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3844","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3845","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3846","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3847","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3848","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3849","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3850","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3851","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3852","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3853","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3854","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3855","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3856","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3857","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3858","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3859","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3860","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
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[null,null,{"$f":"C3871","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3872","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3873","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3874","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3875","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3876","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3877","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3878","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3879","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3880","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3881","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3882","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3883","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3884","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3885","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3886","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3887","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3888","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3889","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3890","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3891","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3892","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3893","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3894","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3895","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3896","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3897","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3898","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3899","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3900","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3901","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3902","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3903","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3904","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3905","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3906","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3907","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3908","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3909","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3910","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3911","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3912","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3913","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3914","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3915","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3916","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3917","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3918","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3919","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]
[null,null,{"$f":"C3920","v":16.899999999999999},"e","2025-11-18","D15321","S Greig"]

{"sheet":"NSR Calculator","index":7,"n_rows":162,"n_cols":54,"rows_kept":162,"cut":false,"hidden":false,"merged":[[21,34,21,35],[21,39,21,40],[22,34,22,35],[22,39,22,40],[73,34,74,35],[73,39,74,40],[21,45,21,46],[21,50,21,51],[22,45,22,46],[22,50,22,51],[73,45,74,46],[73,50,74,51],[21,28,21,29],[22,23,22,24],[22,28,22,29],[89,7,89,12],[124,11,124,12],[21,17,21,18],[22,17,22,18],[73,23,74,24],[73,28,74,29],[21,23,21,24],[86,13,89,19],[92,8,92,12],[150,6,150,7],[151,6,151,7],[72,17,72,18],[73,2,74,3],[73,7,74,8],[73,12,74,13],[73,17,74,18],[83,7,83,11],[126,11,126,12],[136,6,136,7],[96,8,96,12],[105,8,105,12],[126,16,126,17],[119,8,119,11],[124,16,124,17],[22,2,22,3],[22,7,22,8],[22,12,22,13],[72,2,72,3],[72,7,72,8],[72,12,72,13],[8,2,8,7],[21,2,21,3],[21,7,21,8],[21,12,21,13],[12,2,12,7]]}
[]
[]
[]
[null,"This calculator is designed to work out how much your client can borrow on a residential mortgage under the credit policy based on debt servicing capability (excludes LVR limits).",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Adviser Version 16.9"]
[null,"Application type"]
[]
[]
[null,"Application information",null,null,null,null,null,null,null,null,null,"Proposed new lending",null,null,null,null,null,null,"Interest Rate"]
[null,"Name Primary Applicant (last, first)",null,null,null,null,null,null,null,null,null,"Loan Amount",null,null,null,null,null,null,{"$f":"Calculation!E284","v":6.5000000000000002E-2}]
[]
[null,"Application Date (DDMMYYYY)",null,null,null,null,null,null,null,null,null,"Requested Loan Term",null,null," years"]
[]
[null,"Applicant Header or Name "]
[null,"if already SBS Bank client"]
[null,"Household information",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Household 2",null,null,null,null,null,null,null,null,null,null,"Household 3",null,null,null,null,null,null,null,null,null,null,"Household 4"]
[null,null,null,null,null,null,null,"Number of adults in household        ",null,null,null,null,null,"Number of dependants in household",null,null,null,null,null,null,null,null,null,"Adults",null,null,null,null,"Dependants",null,null,null,null,null,"Adults",null,null,null,null,"Dependants",null,null,null,null,null,"Adults",null,null,null,null,"Dependants"]
[]
[null,"Other information"]
[null,"No. of Rental Properties"]
[]
[]
["Detailed Gross Income Information",null,"Applicant 1",null,null,null,null,"Applicant 2",null,null,null,null,"Applicant 3",null,null,null,null,"Applicant 4",null,null,null,null,null,"Applicant 1",null,null,null,null,"Applicant 2",null,null,null,null,null,"Applicant 1",null,null,null,null,"Applicant 2",null,null,null,null,null,"Applicant 1",null,null,null,null,"Applicant 2"]
[null,"Name (last, first)"]
[]
[null,"Age (years)",null,null,null,"KS",null,null,null,null,"KS",null,null,null,null,"KS",null,null,null,null,"KS",null,null,null,null,null,"KS",null,null,null,null,"KS",null,null,null,null,null,"KS",null,null,null,null,"KS",null,null,null,null,null,"KS",null,null,null,null,"KS"]
[]
[null,"Salary/Wages"]
[null,null,null,null,null,null,null,null,50000]
[]
[null,"Self Employed/Business"]
[]
[]
[null,"Overtime"]
[]
[]
[null,"Bonus"]
[]
[]
[null,"Allowance"]
[]
[]
[null,"Commission"]
[]
[]
[null,"Investment"]
[]
[]
[null,"Benefits including Superannuation"]
[]
[null,"Contract"]
[]
[null,"Child Support"]
[null,"Total Gross Income",null,{"$f":"Calculation!$G$118","v":0},null,null,null,null,{"$f":"Calculation!$K$118","v":0},null,null,null,null,{"$f":"Calculation!$O$118","v":0},null,null,null,null,{"$f":"Calculation!$S$118","v":0},null,null,null,null,null,{"$f":"Calc2!$G$118","v":0},null,null,null,null,{"$f":"Calc2!$K$118","v":0},null,null,null,null,null,{"$f":"Calc3!$G$118","v":0},null,null,null,null,{"$f":"Calc3!$K$118","v":0},null,null,null,null,null,{"$f":"Calc4!$G$118","v":0},null,null,null,null,{"$f":"Calc4!$K$118","v":0}]
[]
[]
[]
[null,"Deductions"]
[]
[]
[null,"KiwiSaver employee contribution rate",null,{"$f":"Calculation!I120","v":0},null,null,null,null,{"$f":"Calculation!M120","v":0},null,null,null,null,{"$f":"Calculation!Q120","v":0},null,null,null,null,{"$f":"Calculation!U120","v":0},null,null,null,null,null,{"$f":"Calc2!I120","v":0},null,null,null,null,{"$f":"Calc2!M120","v":0},null,null,null,null,null,{"$f":"Calc3!I120","v":0},null,null,null,null,{"$f":"Calc3!M120","v":0},null,null,null,null,null,{"$f":"Calc4!I120","v":0},null,null,null,null,{"$f":"Calc4!M120","v":0}]
[]
[]
[null,"Net Income after Tax and ACC",null,{"$f":"Calculation!$I$118","v":0},null,null,null,null,{"$f":"Calculation!$M$118","v":0},null,null,null,null,{"$f":"Calculation!$Q$118","v":0},null,null,null,null,{"$f":"Calculation!$U$118","v":0},null,null,null,null,null,{"$f":"Calc2!$I$118","v":0},null,null,null,null,{"$f":"Calc2!$M$118","v":0},null,null,null,null,null,{"$f":"Calc3!$I$118","v":0},null,null,null,null,{"$f":"Calc3!$M$118","v":0},null,null,null,null,null,{"$f":"Calc4!$I$118","v":0},null,null,null,null,{"$f":"Calc4!$M$118","v":0}]
[null,"Scaled Net Income",null,{"$f":"Calculation!$I$131","v":0},null,null,null,null,{"$f":"Calculation!$M$131","v":0},null,null,null,null,{"$f":"Calculation!$Q$131","v":0},null,null,null,null,{"$f":"Calculation!$U$131","v":0},null,null,null,null,null,{"$f":"Calc2!$I$131","v":0},null,null,null,null,{"$f":"Calc2!$M$131","v":0},null,null,null,null,null,{"$f":"Calc3!$I$131","v":0},null,null,null,null,{"$f":"Calc3!$M$131","v":0},null,null,null,null,null,{"$f":"Calc4!$I$131","v":0},null,null,null,null,{"$f":"Calc4!$M$131","v":0}]
[]
[null,"Annual Financial A/c addbacks"]
[]
[null,"Annual Other Assistance Payments"]
[]
[null,"Total Eligible Annual Income after Deductions:",null,{"$f":"Calculation!$I$133+D66+D68","v":0},null,null,null,null,{"$f":"Calculation!$M$133+I66+I68","v":0},null,null,null,null,{"$f":"Calculation!$Q$133+N66+N68","v":0},null,null,null,null,{"$f":"Calculation!$U$133+S66+S68","v":0},null,null,null,null,null,{"$f":"Calc2!$I$133+Y66+Y68","v":0},null,null,null,null,{"$f":"Calc2!$M$133+AD66+AD68","v":0},null,null,null,null,null,{"$f":"Calc3!$I$133+AJ66+AJ68","v":0},null,null,null,null,{"$f":"Calc3!$M$133+AO66+AO68","v":0},null,null,null,null,null,{"$f":"Calc4!$I$133+AU66+AU68","v":0},null,null,null,null,{"$f":"Calc4!$M$133+AZ66+AZ68","v":0}]
["Student Loan"]
[null,"Student Loan Balance"]
["Rental/Boarder Income"]
[null,"Location: Address"]
[]
[]
[null,"Rent frequency and amount"]
[]
[null,"Total Annual Rental Housing Income",{"$f":"Calculation!$J$165","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calc2!$J$165","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"Calc3!$J$165","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"Calc4!$J$165","v":0}]
[]
[]
[null,"Boarder Income",null,null,null,null,null,"Total Annual Boarder Income",null,null,null,null,{"$f":"Calculation!$J$166","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calc2!$J$166","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"Calc3!$J$166","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"Calc4!$J$166","v":0}]
[]
[null,"Total Eligible Annual Rental Housing Income",{"$f":"Calculation!$J$167","v":0},null,null,null,null,"Total Eligible Annual Boarder Income",null,null,null,null,{"$f":"Calculation!$J$168","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"Calc2!$J$167","v":0},null,null,null,null,null,{"$f":"Calc2!$J$168","v":0},null,null,null,null,{"$f":"Calc3!$J$167","v":0},null,null,null,null,null,{"$f":"Calc3!$J$168","v":0},null,null,null,null,{"$f":"Calc4!$J$167","v":0},null,null,null,null,null,{"$f":"Calc4!$J$168","v":0}]
[]
[]
["Living Expenses",null,null,null,null,null,null,null,null,null,null,null,null,"All Other Expenses e.g. Council rates for owner occupied home,    holiday home and bare land sections, all Education costs, Childcare, Child Support, Body Corp, Fines, Own rent/board payable, all insurances, and any other non-standard expense.   Refer CPS 2."]
[null,"Living Expenses - Monthly",null,null,null,null,null,"Other Expenses - Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Living Exp",null,null,null,null,"Other Exp",null,null,null,null,null,"Living Exp",null,null,null,null,"Other Exp",null,null,null,null,null,"Living Exp",null,null,null,null,"Other Exp"]
[]
[null,"Total Annual Living Expenses",{"$f":"Calculation!$I$297*12","v":0},null,null,null,null,"Please add description if any other expense",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual Living",{"$f":"Calculation!$AA$296*12","v":0},null,null,null,null,null,null,null,null,null,"Annual Living",{"$f":"Calculation!$AB$296*12","v":0},null,null,null,null,null,null,null,null,null,"Annual Living",{"$f":"Calculation!$AC$296*12","v":0}]
[null,"If not sufficiently populated Total Annual Living Expenses will be system generated"]
["Existing Debt"]
[null,"Student Loan","Total Limit",null,null,null,null,null,"Monthly Payment (Calculated)"]
[null,null,{"$f":"Calculation!Q138","v":0},null,null,null,null,null,null,null,null,null,{"$f":"Calculation!Q140","v":0}]
[]
[null,"Existing SBS Bank Loans"]
[null,"Type","Total Limit","Term (max. allowable years)",null,null,null,null,"Monthly P&I Payment (Calculated)"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U217","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U220","v":0}]
[]
[null,"SBS Bank Loan Fixed Repayments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U222","v":0}]
[]
[null,"Existing Other Bank mortgage debt"]
[]
[null,"Type","Total Limit","Term (max. allowable years)",null,null,null,null,"Monthly P&I Payment (Calculated)"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U232","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U235","v":0}]
[]
[null,"Other Bank P & I payments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U237","v":0}]
[]
[null,"Personal / Consumer Debt"]
[]
[null,"Type","Limit","Monthly Actual Payment"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(C116)=FALSE,ISBLANK(D116)=TRUE),\"ERROR: Please enter an actual monthly loan payment\",\"\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(C118)=FALSE,ISBLANK(D118)=TRUE),\"ERROR: Please enter an actual monthly loan payment\",\"\")","v":""}]
[]
[null,"Personal / Consumer Debt Repayments - Monthly Total",null,{"$f":"IF(AND(M116=\"\",M118=\"\"),Calculation!N252,\"ERROR\")","v":0}]
[]
[null,"Other debt"]
[]
[null,"Type","Limit","Include in NSR"]
[]
[]
[]
[]
[null,"Total Annual Repayments, All Other Debt",{"$f":"Calculation!Z299*12","v":0}]
[null,"Business debt declaration"]
[]
["Results"]
[null,{"$f":"IFERROR(Calculation!F465,\"\")","v":"The NSR is 0%. Repayments for this loan amount and term meet servicing requirements"}]
[]
[null,"Loan Amount and Rate",{"$f":"N9","v":0},{"$f":"S9","v":6.5000000000000002E-2}]
[]
[null,"Proposed Loan Term",{"$f":"N11& \" years\"","v":" years"},null,null,null,"Total SBS Debt",null,{"$f":"C135+C98+C100","v":0},null,null,null,null,"  Scenario Table"]
[]
[null,"Maximum Allowable Loan Term",{"$f":"Calculation!M284","v":"30 years "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"P&I","IO"]
[]
[null,"Application Loan Term",null,null,null,null,{"$f":"Calculation!M288","v":""},null,null,null,null,null,null,"  Rate"]
[null,"(use slider to adjust figures below)"]
[]
[null,"Debt Servicing Capacity - Total Asset Exposure",null,null,null,null,"Debt to Income Ratio",null,{"$f":"IF(LEFT(G145,3)=\"Err\",0, Calculation!I521)","v":0},null,null,null,null,"  NSR"]
[null,"Maximum Loan Amount with application term",{"$f":"MAX(TRUNC(Calculation!Z490,0),0)","v":0},null,null,null,{"$f":"Calculation!R11","v":"Error: Application type must be selected"},null,null,null,null,null,null,"  Max loan for app term"]
[]
[null,"Maximum Loan Amount with maximum term",{"$f":"MAX(TRUNC(Calculation!Z488,0),0)","v":0},null,null,null,null,null,null,null,null,null,null,"  Max loan for max term"]
[]
[null,"Net Service Ratio (NSR) application loan & term",{"$f":"IF(Calculation!Z137,\"Kiwisaver < 3%\", IFERROR(Calculation!Z310,\"\"))","v":0},null,null,null,{"$f":"Calculation!I11","v":"Retail Lending: NSR should be 97.5% or less for approval"},null,null,null,null,null,null,"  Income after Deduct"]
[]
[null,"Summary Applicant Financial Information",null,null,null,null,"Gross Annual Income",null,{"$f":"Calculation!R135+Calc2!R135+Calc3!R135+Calc4!R135","v":0},null,null,null,null,"  Rental/Boarder Income"]
[null,"Total Eligible Annual Income after Deductions",{"$f":"SUM(D70:AZ70)","v":0},null,null,null,"Adjusted Gross Income",null,{"$f":"Calculation!Q136+Calc2!Q136+Calc3!Q136+Calc4!Q136","v":0},null,null,null,null,"  Living Expenses"]
[]
[null,"Total Eligible Annual Rental/Boarder Income",{"$f":"C84+M84+X84+AD84+AI84+AO84+AT84+AZ84","v":0},null,null,null,null,null,null,null,null,null,null,"  Debt Repayments"]
[]
[null,"Total Annual Living Expenses",{"$f":"C90+Y90+AJ90+AU90","v":0},null,null,null,null,null,null,null,null,null,null,"  Available for Servicing"]
[]
[null,"Total Existing Debt Annual Repayments",{"$f":"C129","v":0}]
[null,"Available for Debt Servicing (Annually)",{"$f":"C152+C154-C156-C158","v":0}]
[]
[null,"\"Review your income and expenses to find out your remaining monthly income that you can use for your home loan repayments. "]
[null,null,"Knowing how much you can afford to repay each month will help determine how much you can borrow.\""]

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[null,"Allowance",{"$f":"Calculation!I30*INDEX(Calculation!$AK$9:$AK$13,Calculation!G30,0)","v":0},{"$f":"C17-(Calculation!X89-Calculation!X86)","v":0},null,null,{"$f":"Calculation!M30*INDEX(Calculation!$AK$9:$AK$13,Calculation!K30,0)","v":0},{"$f":"G17-(Calculation!AD89-Calculation!AD86)","v":0},null,null,{"$f":"Calculation!Q30*INDEX(Calculation!$AK$9:$AK$13,Calculation!O30,0)","v":0},{"$f":"K17-(Calculation!AJ89-Calculation!AJ86)","v":0},null,null,{"$f":"Calculation!U30*INDEX(Calculation!$AK$9:$AK$13,Calculation!S30,0)","v":0},{"$f":"O17-(Calculation!AP89-Calculation!AP86)","v":0},null,{"$f":"SUM(C17,G17,K17,O17)","v":0},{"$f":"SUM(D17,H17,L17,P17)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U17*R17","v":0},{"$f":"$U17*S17","v":0}]
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[null,"Commission",{"$f":"Calculation!I33*INDEX(Calculation!$AK$9:$AK$13,Calculation!G33,0)","v":0},{"$f":"C20-(Calculation!X92-Calculation!X89)","v":0},null,null,{"$f":"Calculation!M33*INDEX(Calculation!$AK$9:$AK$13,Calculation!K33,0)","v":0},{"$f":"G20-(Calculation!AD92-Calculation!AD89)","v":0},null,null,{"$f":"Calculation!Q33*INDEX(Calculation!$AK$9:$AK$13,Calculation!O33,0)","v":0},{"$f":"K20-(Calculation!AJ92-Calculation!AJ89)","v":0},null,null,{"$f":"Calculation!U33*INDEX(Calculation!$AK$9:$AK$13,Calculation!S33,0)","v":0},{"$f":"O20-(Calculation!AP92-Calculation!AP89)","v":0},null,{"$f":"SUM(C20,G20,K20,O20)","v":0},{"$f":"SUM(D20,H20,L20,P20)","v":0},null,{"$f":"'Calculator Parameters'!D14","v":0.75},null,{"$f":"U20*R20","v":0},{"$f":"$U20*S20","v":0}]
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[null,"Benefits including Superannuation",{"$f":"Calculation!I39*INDEX(Calculation!$AK$9:$AK$13,Calculation!G39,0)","v":0},{"$f":"C26-(Calculation!X98-Calculation!X95)","v":0},null,null,{"$f":"Calculation!M39*INDEX(Calculation!$AK$9:$AK$13,Calculation!K39,0)","v":0},{"$f":"G26-(Calculation!AD98-Calculation!AD95)","v":0},null,null,{"$f":"Calculation!Q39*INDEX(Calculation!$AK$9:$AK$13,Calculation!O39,0)","v":0},{"$f":"K26-(Calculation!AJ98-Calculation!AJ95)","v":0},null,null,{"$f":"Calculation!U39*INDEX(Calculation!$AK$9:$AK$13,Calculation!S39,0)","v":0},{"$f":"O26-(Calculation!AP98-Calculation!AP95)","v":0},null,{"$f":"SUM(C26,G26,K26,O26)","v":0},{"$f":"SUM(D26,H26,L26,P26)","v":0},null,{"$f":"'Calculator Parameters'!D16","v":1},null,{"$f":"U26*R26","v":0},{"$f":"$U26*S26","v":0}]
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[]
[null,"Contract",{"$f":"Calculation!I42*INDEX(Calculation!$AK$9:$AK$13,Calculation!G42,0)","v":0},{"$f":"C29-(Calculation!X101-Calculation!X98)","v":0},null,null,{"$f":"Calculation!M42*INDEX(Calculation!$AK$9:$AK$13,Calculation!K42,0)","v":0},{"$f":"G29-(Calculation!AD101-Calculation!AD98)","v":0},null,null,{"$f":"Calculation!Q42*INDEX(Calculation!$AK$9:$AK$13,Calculation!O42,0)","v":0},{"$f":"K29-(Calculation!AJ101-Calculation!AJ98)","v":0},null,null,{"$f":"Calculation!U42*INDEX(Calculation!$AK$9:$AK$13,Calculation!S42,0)","v":0},{"$f":"O29-(Calculation!AP101-Calculation!AP98)","v":0},null,{"$f":"SUM(C29,G29,K29,O29)","v":0},{"$f":"SUM(D29,H29,L29,P29)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U29*R29","v":0},{"$f":"$U29*S29","v":0}]
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[null,"Child Support",{"$f":"Calculation!I45*INDEX(Calculation!$AK$9:$AK$13,Calculation!G45,0)","v":0},{"$f":"C31-(Calculation!X104-Calculation!X101)","v":0},null,null,{"$f":"Calculation!M45*INDEX(Calculation!$AK$9:$AK$13,Calculation!K45,0)","v":0},{"$f":"G31-(Calculation!AD104-Calculation!AD101)","v":0},null,null,{"$f":"Calculation!Q45*INDEX(Calculation!$AK$9:$AK$13,Calculation!O45,0)","v":0},{"$f":"K31-(Calculation!AJ104-Calculation!AJ101)","v":0},null,null,{"$f":"Calculation!U45*INDEX(Calculation!$AK$9:$AK$13,Calculation!S45,0)","v":0},{"$f":"O31-(Calculation!AP104-Calculation!AP101)","v":0},null,{"$f":"SUM(C31,G31,K31,O31)","v":0},{"$f":"SUM(D31,H31,L31,P31)","v":0},null,{"$f":"'Calculator Parameters'!D19","v":0.8},null,{"$f":"U31*R31","v":0},{"$f":"$U31*S31","v":0}]
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[null,"Total Gross Income",{"$f":"SUM(C5:C32)","v":0},{"$f":"SUM(D5:D32)","v":0},null,null,{"$f":"SUM(G5:G32)","v":0},0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
[]
["Plus","Other Income and Adjustments"]
[null,"Annual Financial A/c addbacks",{"$f":"'NSR Calculator'!D66","v":0},{"$f":"C36","v":0},null,null,{"$f":"'NSR Calculator'!I66","v":0},{"$f":"G36","v":0},null,null,{"$f":"'NSR Calculator'!N66","v":0},{"$f":"K36","v":0},null,null,{"$f":"'NSR Calculator'!S66","v":0},{"$f":"O36","v":0},null,{"$f":"SUM(C36,G36,K36,O36)","v":0},{"$f":"SUM(D36,H36,L36,P36)","v":0},null,1,null,{"$f":"U36*R36","v":0},{"$f":"$U36*S36","v":0}]
[null,"Annual Other Assistance Payments",{"$f":"'NSR Calculator'!D68","v":0},{"$f":"C37","v":0},null,null,{"$f":"'NSR Calculator'!I68","v":0},{"$f":"G37","v":0},null,null,{"$f":"'NSR Calculator'!N68","v":0},{"$f":"K37","v":0},null,null,{"$f":"'NSR Calculator'!S68","v":0},{"$f":"O37","v":0},null,{"$f":"SUM(C37,G37,K37,O37)","v":0},{"$f":"SUM(D37,H37,L37,P37)","v":0},null,1,null,0,{"$f":"$U37*S37","v":0}]
[null,"Total Other Income and Adjustments",{"$f":"SUM(C36:C37)","v":0},{"$f":"SUM(D36:D37)","v":0},null,null,{"$f":"SUM(G36:G37)","v":0},{"$f":"SUM(H36:H37)","v":0},null,null,{"$f":"SUM(K36:K37)","v":0},{"$f":"SUM(L36:L37)","v":0},null,null,{"$f":"SUM(O36:O37)","v":0},{"$f":"SUM(P36:P37)","v":0},null,{"$f":"SUM(R36:R37)","v":0},{"$f":"SUM(S36:S37)","v":0},null,null,null,{"$f":"SUM(W36:W37)","v":0},{"$f":"SUM(X36:X37)","v":0}]
[]
[null,"Totals",{"$f":"C33+C38","v":0},{"$f":"D33+D38","v":0},null,null,0,0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
[]
[null,"Scaled ACC Levy",null,{"$f":"Calculation!Y118","v":0},null,null,null,{"$f":"Calculation!AE118","v":0},null,null,null,{"$f":"Calculation!AK118","v":0},null,null,null,{"$f":"Calculation!AQ118","v":0},null,null,{"$f":"SUM(D42,H42,L42,P42)","v":0},null,null,null,null,{"$f":"S42","v":0}]
[]
["Less","Deductions"]
[]
[null,"Kiwisaver ",null,{"$f":"Calculation!AC103","v":0},null,null,null,{"$f":"Calculation!AI103","v":0},null,null,null,{"$f":"Calculation!AO103","v":0},null,null,null,{"$f":"Calculation!AU103","v":0},null,null,{"$f":"SUM(D46,H46,L46,P46)","v":0},null,1,null,null,{"$f":"U46*S46","v":0}]
[null,"Total Deductions",null,{"$f":"SUM(D45:D46)","v":0},null,null,null,{"$f":"SUM(H45:H46)","v":0},null,null,null,{"$f":"SUM(L45:L46)","v":0},null,null,null,{"$f":"SUM(P45:P46)","v":0},null,null,{"$f":"SUM(S45:S46)","v":0},null,null,null,null,{"$f":"SUM(X45:X46)","v":0}]
[]
["Plus","Rental/Boarder Income"]
[null,"Rental Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!J165","v":0},null,null,{"$f":"'Calculator Parameters'!D17","v":0.75},null,null,{"$f":"U50*R50","v":0}]
[null,"Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!J166","v":0},null,null,{"$f":"'Calculator Parameters'!D20","v":0.8},null,null,{"$f":"U51*R51","v":0}]
[null,"Total Rental/Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R50:R51)","v":0},null,null,null,null,null,{"$f":"SUM(X50:X51)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross","Gross Scaled",null,null,null,"Total Adjusted Gross","Net Scaled"]
[null,"Total Gross (non-scaled)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"R33+R38+R52","v":0},{"$f":"W33+W38+X52","v":0},null,null,null,{"$f":"S55-X47","v":0},{"$f":"X40-X42+X52-X47","v":0}]
[null,"Total Gross Scaled"]
[null,"Total Adjusted Gross Scaled"]
[null,null,null,"Account 2",null,null,"Account 3","Account 4",null,null,"Account 5"]
[null,"Loan Account Number"]
["DEBT",null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Income 1",{"$f":"R55","v":0},null,"Debt to Income (DTI)",{"$f":"IF(P64=0,0,C82/P64)","v":0}]
[null,"Student Loans",null,null,null,null,null,null,null,null,null,null,null,null,"Gross Income 2",{"$f":"'DTI2'!R55","v":0},null,"DTI Max",{"$f":"Calculation!AK174","v":6}]
[null,"Student Loan Balance",{"$f":"Calculation!Q138","v":0},null,null,null,null,null,null,null,null,null,null,null,"Gross Income 3",{"$f":"'DTI3'!R55","v":0}]
[null,"Total Student Loans",{"$f":"SUM(C62)","v":0},null,null,null,null,null,null,null,null,null,null,null,"Gross Income 4",{"$f":"'DTI4'!R55","v":0}]
[null,null,null,null,"As Business Debt",null,null,{"$f":"OR(Calculation!G278=3,Calculation!G278=5)","v":false},null,null,null,null,null,null,"Total Income",{"$f":"SUM(P60:P63)","v":0}]
["Plus","SBS Debt",null,null,"SBS Debt",null,null,{"$f":"IF(H64,C66,C68)","v":0}]
[null,"This Loan (including unutilised limits)",{"$f":"'NSR Calculator'!N9","v":0},null,"Mortgage Elsewhere",null,null,{"$f":"IF(H64,0,C72)","v":0}]
[null,"Existing SBS Debt",{"$f":"'NSR Calculator'!C98+'NSR Calculator'!C100","v":0},null,"Business debt",null,null,{"$f":"IF(H64,C72+C67,0)","v":0}]
[null,"Total SBS Debt",{"$f":"SUM(C66:C67)","v":0}]
[]
["Plus","Mortgage Elsewhere"]
[null,"Other Bank Mortgage",{"$f":"'NSR Calculator'!C107+'NSR Calculator'!C109","v":0}]
[null,"Total Mortgage Elsewhere",{"$f":"SUM(C71)","v":0}]
[]
["Plus","Personal Loans/Credit Cards"]
[null,"Personal Loans",{"$f":"IF(Calculation!B246<4,Calculation!G246,0)+IF(Calculation!B249<4,Calculation!G249,0)+IF(Calculation!B260<3,Calculation!G260,0)+IF(Calculation!B262<3,Calculation!G262,0)","v":0}]
[null,"Total Personal Loan/Credit Card ",{"$f":"SUM(C75:C75)","v":0}]
[]
["Plus","Other"]
[null,"Other Debt",{"$f":"IF(Calculation!B246>3,Calculation!G246,0)+IF(Calculation!B249>3,Calculation!G249,0)+IF(Calculation!B260>2,Calculation!G260,0)+IF(Calculation!B262>2,Calculation!G262,0)","v":0}]
[null,"Total Other",{"$f":"SUM(C79:C79)","v":0}]
[]
[null,"Total Debt",{"$f":"C63+C68+C72+C76+C80","v":0}]

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["INCOME"]
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[null,"Overtime",{"$f":"Calc2!I24*INDEX(Calc2!$AK$9:$AK$13,Calc2!G24,0)","v":0},{"$f":"C11-(Calc2!X83-Calc2!X80)","v":0},null,null,{"$f":"Calc2!M24*INDEX(Calc2!$AK$9:$AK$13,Calc2!K24,0)","v":0},{"$f":"G11-(Calc2!AD83-Calc2!AD80)","v":0},null,null,{"$f":"Calc2!Q24*INDEX(Calc2!$AK$9:$AK$13,Calc2!O24,0)","v":0},{"$f":"K11-(Calc2!AJ83-Calc2!AJ80)","v":0},null,null,{"$f":"Calc2!U24*INDEX(Calc2!$AK$9:$AK$13,Calc2!S24,0)","v":0},{"$f":"O11-(Calc2!AP83-Calc2!AP80)","v":0},null,{"$f":"SUM(C11,G11,K11,O11)","v":0},{"$f":"SUM(D11,H11,L11,P11)","v":0},null,{"$f":"'Calculator Parameters'!D11","v":0.8},null,{"$f":"U11*R11","v":0},{"$f":"$U11*S11","v":0}]
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[null,"Allowance",{"$f":"Calc2!I30*INDEX(Calc2!$AK$9:$AK$13,Calc2!G30,0)","v":0},{"$f":"C17-(Calc2!X89-Calc2!X86)","v":0},null,null,{"$f":"Calc2!M30*INDEX(Calc2!$AK$9:$AK$13,Calc2!K30,0)","v":0},{"$f":"G17-(Calc2!AD89-Calc2!AD86)","v":0},null,null,{"$f":"Calc2!Q30*INDEX(Calc2!$AK$9:$AK$13,Calc2!O30,0)","v":0},{"$f":"K17-(Calc2!AJ89-Calc2!AJ86)","v":0},null,null,{"$f":"Calc2!U30*INDEX(Calc2!$AK$9:$AK$13,Calc2!S30,0)","v":0},{"$f":"O17-(Calc2!AP89-Calc2!AP86)","v":0},null,{"$f":"SUM(C17,G17,K17,O17)","v":0},{"$f":"SUM(D17,H17,L17,P17)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U17*R17","v":0},{"$f":"$U17*S17","v":0}]
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[null,"Commission",{"$f":"Calc2!I33*INDEX(Calc2!$AK$9:$AK$13,Calc2!G33,0)","v":0},{"$f":"C20-(Calc2!X92-Calc2!X89)","v":0},null,null,{"$f":"Calc2!M33*INDEX(Calc2!$AK$9:$AK$13,Calc2!K33,0)","v":0},{"$f":"G20-(Calc2!AD92-Calc2!AD89)","v":0},null,null,{"$f":"Calc2!Q33*INDEX(Calc2!$AK$9:$AK$13,Calc2!O33,0)","v":0},{"$f":"K20-(Calc2!AJ92-Calc2!AJ89)","v":0},null,null,{"$f":"Calc2!U33*INDEX(Calc2!$AK$9:$AK$13,Calc2!S33,0)","v":0},{"$f":"O20-(Calc2!AP92-Calc2!AP89)","v":0},null,{"$f":"SUM(C20,G20,K20,O20)","v":0},{"$f":"SUM(D20,H20,L20,P20)","v":0},null,{"$f":"'Calculator Parameters'!D14","v":0.75},null,{"$f":"U20*R20","v":0},{"$f":"$U20*S20","v":0}]
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[null,"Investment",{"$f":"Calc2!I36*INDEX(Calc2!$AK$9:$AK$13,Calc2!G36,0)","v":0},{"$f":"C23-(Calc2!X95-Calc2!X92)","v":0},null,null,{"$f":"Calc2!M36*INDEX(Calc2!$AK$9:$AK$13,Calc2!K36,0)","v":0},{"$f":"G23-(Calc2!AD95-Calc2!AD92)","v":0},null,null,{"$f":"Calc2!Q36*INDEX(Calc2!$AK$9:$AK$13,Calc2!O36,0)","v":0},{"$f":"K23-(Calc2!AJ95-Calc2!AJ92)","v":0},null,null,{"$f":"Calc2!U36*INDEX(Calc2!$AK$9:$AK$13,Calc2!S36,0)","v":0},{"$f":"O23-(Calc2!AP95-Calc2!AP92)","v":0},null,{"$f":"SUM(C23,G23,K23,O23)","v":0},{"$f":"SUM(D23,H23,L23,P23)","v":0},null,{"$f":"'Calculator Parameters'!D18","v":0.5},null,{"$f":"U23*R23","v":0},{"$f":"$U23*S23","v":0}]
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[null,"Benefits including Superannuation",{"$f":"Calc2!I39*INDEX(Calc2!$AK$9:$AK$13,Calc2!G39,0)","v":0},{"$f":"C26-(Calc2!X98-Calc2!X95)","v":0},null,null,{"$f":"Calc2!M39*INDEX(Calc2!$AK$9:$AK$13,Calc2!K39,0)","v":0},{"$f":"G26-(Calc2!AD98-Calc2!AD95)","v":0},null,null,{"$f":"Calc2!Q39*INDEX(Calc2!$AK$9:$AK$13,Calc2!O39,0)","v":0},{"$f":"K26-(Calc2!AJ98-Calc2!AJ95)","v":0},null,null,{"$f":"Calc2!U39*INDEX(Calc2!$AK$9:$AK$13,Calc2!S39,0)","v":0},{"$f":"O26-(Calc2!AP98-Calc2!AP95)","v":0},null,{"$f":"SUM(C26,G26,K26,O26)","v":0},{"$f":"SUM(D26,H26,L26,P26)","v":0},null,{"$f":"'Calculator Parameters'!D16","v":1},null,{"$f":"U26*R26","v":0},{"$f":"$U26*S26","v":0}]
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[null,"Contract",{"$f":"Calc2!I42*INDEX(Calc2!$AK$9:$AK$13,Calc2!G42,0)","v":0},{"$f":"C29-(Calc2!X101-Calc2!X98)","v":0},null,null,{"$f":"Calc2!M42*INDEX(Calc2!$AK$9:$AK$13,Calc2!K42,0)","v":0},{"$f":"G29-(Calc2!AD101-Calc2!AD98)","v":0},null,null,{"$f":"Calc2!Q40*INDEX(Calc2!$AK$9:$AK$13,Calc2!O40,0)","v":0},{"$f":"K29-(Calc2!AJ99-Calc2!AJ96)","v":0},null,null,{"$f":"Calc2!U40*INDEX(Calc2!$AK$9:$AK$13,Calc2!S40,0)","v":0},{"$f":"O29-(Calc2!AP99-Calc2!AP96)","v":0},null,{"$f":"SUM(C29,G29,K29,O29)","v":0},{"$f":"SUM(D29,H29,L29,P29)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U29*R29","v":0},{"$f":"$U29*S29","v":0}]
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[null,"Child Support",{"$f":"Calc2!I45*INDEX(Calc2!$AK$9:$AK$13,Calc2!G45,0)","v":0},{"$f":"C31-(Calc2!X104-Calc2!X101)","v":0},null,null,{"$f":"Calc2!M45*INDEX(Calc2!$AK$9:$AK$13,Calc2!K45,0)","v":0},{"$f":"G31-(Calc2!AD104-Calc2!AD101)","v":0},null,null,{"$f":"Calc2!Q42*INDEX(Calc2!$AK$9:$AK$13,Calc2!O42,0)","v":0},{"$f":"K31-(Calc2!AJ101-Calc2!AJ98)","v":0},null,null,{"$f":"Calc2!U42*INDEX(Calc2!$AK$9:$AK$13,Calc2!S42,0)","v":0},{"$f":"O31-(Calc2!AP101-Calc2!AP98)","v":0},null,{"$f":"SUM(C31,G31,K31,O31)","v":0},{"$f":"SUM(D31,H31,L31,P31)","v":0},null,{"$f":"'Calculator Parameters'!D19","v":0.8},null,{"$f":"U31*R31","v":0},{"$f":"$U31*S31","v":0}]
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[null,"Total Gross Income",{"$f":"SUM(C5:C32)","v":0},{"$f":"SUM(D5:D32)","v":0},null,null,{"$f":"SUM(G5:G32)","v":0},0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
[]
["Plus","Other Income and Adjustments"]
[null,"Annual Financial A/c addbacks",{"$f":"'NSR Calculator'!Y66","v":0},{"$f":"C36","v":0},null,null,{"$f":"'NSR Calculator'!AD66","v":0},{"$f":"G36","v":0},null,null,0,{"$f":"K36","v":0},null,null,0,{"$f":"O36","v":0},null,{"$f":"SUM(C36,G36,K36,O36)","v":0},{"$f":"SUM(D36,H36,L36,P36)","v":0},null,1,null,{"$f":"U36*R36","v":0},{"$f":"$U36*S36","v":0}]
[null,"Annual Other Assistance Payments",{"$f":"'NSR Calculator'!Y68","v":0},{"$f":"C37","v":0},null,null,{"$f":"'NSR Calculator'!AD68","v":0},{"$f":"G37","v":0},null,null,0,{"$f":"K37","v":0},null,null,0,{"$f":"O37","v":0},null,{"$f":"SUM(C37,G37,K37,O37)","v":0},{"$f":"SUM(D37,H37,L37,P37)","v":0},null,1,null,0,{"$f":"$U37*S37","v":0}]
[null,"Total Other Income and Adjustments",{"$f":"SUM(C36:C37)","v":0},{"$f":"SUM(D36:D37)","v":0},null,null,{"$f":"SUM(G36:G37)","v":0},{"$f":"SUM(H36:H37)","v":0},null,null,{"$f":"SUM(K36:K37)","v":0},{"$f":"SUM(L36:L37)","v":0},null,null,{"$f":"SUM(O36:O37)","v":0},{"$f":"SUM(P36:P37)","v":0},null,{"$f":"SUM(R36:R37)","v":0},{"$f":"SUM(S36:S37)","v":0},null,null,null,{"$f":"SUM(W36:W37)","v":0},{"$f":"SUM(X36:X37)","v":0}]
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[null,"Totals",{"$f":"C33+C38","v":0},{"$f":"D33+D38","v":0},null,null,0,0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
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[null,"Scaled ACC Levy",null,{"$f":"Calc2!Y118","v":0},null,null,null,{"$f":"Calc2!AE118","v":0},null,null,null,{"$f":"Calc2!AK118","v":0},null,null,null,{"$f":"Calc2!AQ118","v":0},null,null,{"$f":"SUM(D42,H42,L42,P42)","v":0},null,null,null,null,{"$f":"S42","v":0}]
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["Less","Deductions"]
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[null,"Kiwisaver ",null,{"$f":"Calc2!AC103","v":0},null,null,null,{"$f":"Calc2!AI103","v":0},null,null,null,{"$f":"Calc2!AO103","v":0},null,null,null,{"$f":"Calc2!AU103","v":0},null,null,{"$f":"SUM(D46,H46,L46,P46)","v":0},null,1,null,null,{"$f":"U46*S46","v":0}]
[null,"Total Deductions",null,{"$f":"SUM(D45:D46)","v":0},null,null,null,{"$f":"SUM(H45:H46)","v":0},null,null,null,{"$f":"SUM(L45:L46)","v":0},null,null,null,{"$f":"SUM(P45:P46)","v":0},null,null,{"$f":"SUM(S45:S46)","v":0},null,null,null,null,{"$f":"SUM(X45:X46)","v":0}]
[]
["Plus","Rental/Boarder Income"]
[null,"Rental Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calc2!J165","v":0},null,null,{"$f":"'Calculator Parameters'!D17","v":0.75},null,null,{"$f":"U50*R50","v":0}]
[null,"Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calc2!J166","v":0},null,null,{"$f":"'Calculator Parameters'!D20","v":0.8},null,null,{"$f":"U51*R51","v":0}]
[null,"Total Rental/Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R50:R51)","v":0},null,null,null,null,null,{"$f":"SUM(X50:X51)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross","Gross Scaled",null,null,null,"Total Adjusted Gross","Net Scaled"]
[null,"Total Gross (non-scaled)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"R33+R38+R52","v":0},{"$f":"W33+W38+X52","v":0},null,null,null,{"$f":"S55-X47","v":0},{"$f":"X40-X42+X52-X47","v":0}]
[null,"Total Gross Scaled"]
[null,"Total Adjusted Gross Scaled"]

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[null,"Self Employed/Business",{"$f":"Calc3!I21*INDEX(Calc3!$AK$9:$AK$13,Calc3!G21,0)","v":0},{"$f":"C8-(Calc3!X80-Calc3!X77)","v":0},null,null,{"$f":"Calc3!M21*INDEX(Calc3!$AK$9:$AK$13,Calc3!K21,0)","v":0},{"$f":"G8-(Calc3!AD80-Calc3!AD77)","v":0},null,null,{"$f":"Calc3!Q21*INDEX(Calc3!$AK$9:$AK$13,Calc3!O21,0)","v":0},{"$f":"K8-(Calc3!AJ80-Calc3!AJ77)","v":0},null,null,{"$f":"Calc3!U21*INDEX(Calc3!$AK$9:$AK$13,Calc3!S21,0)","v":0},{"$f":"O8-(Calc3!AP80-Calc3!AP77)","v":0},null,{"$f":"SUM(C8,G8,K8,O8)","v":0},{"$f":"SUM(D8,H8,L8,P8)","v":0},null,{"$f":"'Calculator Parameters'!D15","v":1},null,{"$f":"U8*R8","v":0},{"$f":"$U8*S8","v":0}]
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[null,"Overtime",{"$f":"Calc3!I24*INDEX(Calc3!$AK$9:$AK$13,Calc3!G24,0)","v":0},{"$f":"C11-(Calc3!X83-Calc3!X80)","v":0},null,null,{"$f":"Calc3!M24*INDEX(Calc3!$AK$9:$AK$13,Calc3!K24,0)","v":0},{"$f":"G11-(Calc3!AD83-Calc3!AD80)","v":0},null,null,{"$f":"Calc3!Q24*INDEX(Calc3!$AK$9:$AK$13,Calc3!O24,0)","v":0},{"$f":"K11-(Calc3!AJ83-Calc3!AJ80)","v":0},null,null,{"$f":"Calc3!U24*INDEX(Calc3!$AK$9:$AK$13,Calc3!S24,0)","v":0},{"$f":"O11-(Calc3!AP83-Calc3!AP80)","v":0},null,{"$f":"SUM(C11,G11,K11,O11)","v":0},{"$f":"SUM(D11,H11,L11,P11)","v":0},null,{"$f":"'Calculator Parameters'!D11","v":0.8},null,{"$f":"U11*R11","v":0},{"$f":"$U11*S11","v":0}]
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[null,"Bonus",{"$f":"Calc3!I27*INDEX(Calc3!$AK$9:$AK$13,Calc3!G27,0)","v":0},{"$f":"C14-(Calc3!X86-Calc3!X83)","v":0},null,null,{"$f":"Calc3!M27*INDEX(Calc3!$AK$9:$AK$13,Calc3!K27,0)","v":0},{"$f":"G14-(Calc3!AD86-Calc3!AD83)","v":0},null,null,{"$f":"Calc3!Q27*INDEX(Calc3!$AK$9:$AK$13,Calc3!O27,0)","v":0},{"$f":"K14-(Calc3!AJ86-Calc3!AJ83)","v":0},null,null,{"$f":"Calc3!U27*INDEX(Calc3!$AK$9:$AK$13,Calc3!S27,0)","v":0},{"$f":"O14-(Calc3!AP86-Calc3!AP83)","v":0},null,{"$f":"SUM(C14,G14,K14,O14)","v":0},{"$f":"SUM(D14,H14,L14,P14)","v":0},null,{"$f":"'Calculator Parameters'!D12","v":0.7},null,{"$f":"U14*R14","v":0},{"$f":"$U14*S14","v":0}]
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[null,"Allowance",{"$f":"Calc3!I30*INDEX(Calc3!$AK$9:$AK$13,Calc3!G30,0)","v":0},{"$f":"C17-(Calc3!X89-Calc3!X86)","v":0},null,null,{"$f":"Calc3!M30*INDEX(Calc3!$AK$9:$AK$13,Calc3!K30,0)","v":0},{"$f":"G17-(Calc3!AD89-Calc3!AD86)","v":0},null,null,{"$f":"Calc3!Q30*INDEX(Calc3!$AK$9:$AK$13,Calc3!O30,0)","v":0},{"$f":"K17-(Calc3!AJ89-Calc3!AJ86)","v":0},null,null,{"$f":"Calc3!U30*INDEX(Calc3!$AK$9:$AK$13,Calc3!S30,0)","v":0},{"$f":"O17-(Calc3!AP89-Calc3!AP86)","v":0},null,{"$f":"SUM(C17,G17,K17,O17)","v":0},{"$f":"SUM(D17,H17,L17,P17)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U17*R17","v":0},{"$f":"$U17*S17","v":0}]
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[null,"Commission",{"$f":"Calc3!I33*INDEX(Calc3!$AK$9:$AK$13,Calc3!G33,0)","v":0},{"$f":"C20-(Calc3!X92-Calc3!X89)","v":0},null,null,{"$f":"Calc3!M33*INDEX(Calc3!$AK$9:$AK$13,Calc3!K33,0)","v":0},{"$f":"G20-(Calc3!AD92-Calc3!AD89)","v":0},null,null,{"$f":"Calc3!Q33*INDEX(Calc3!$AK$9:$AK$13,Calc3!O33,0)","v":0},{"$f":"K20-(Calc3!AJ92-Calc3!AJ89)","v":0},null,null,{"$f":"Calc3!U33*INDEX(Calc3!$AK$9:$AK$13,Calc3!S33,0)","v":0},{"$f":"O20-(Calc3!AP92-Calc3!AP89)","v":0},null,{"$f":"SUM(C20,G20,K20,O20)","v":0},{"$f":"SUM(D20,H20,L20,P20)","v":0},null,{"$f":"'Calculator Parameters'!D14","v":0.75},null,{"$f":"U20*R20","v":0},{"$f":"$U20*S20","v":0}]
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[null,"Benefits including Superannuation",{"$f":"Calc3!I39*INDEX(Calc3!$AK$9:$AK$13,Calc3!G39,0)","v":0},{"$f":"C26-(Calc3!X98-Calc3!X95)","v":0},null,null,{"$f":"Calc3!M39*INDEX(Calc3!$AK$9:$AK$13,Calc3!K39,0)","v":0},{"$f":"G26-(Calc3!AD98-Calc3!AD95)","v":0},null,null,{"$f":"Calc3!Q39*INDEX(Calc3!$AK$9:$AK$13,Calc3!O39,0)","v":0},{"$f":"K26-(Calc3!AJ98-Calc3!AJ95)","v":0},null,null,{"$f":"Calc3!U39*INDEX(Calc3!$AK$9:$AK$13,Calc3!S39,0)","v":0},{"$f":"O26-(Calc3!AP98-Calc3!AP95)","v":0},null,{"$f":"SUM(C26,G26,K26,O26)","v":0},{"$f":"SUM(D26,H26,L26,P26)","v":0},null,{"$f":"'Calculator Parameters'!D16","v":1},null,{"$f":"U26*R26","v":0},{"$f":"$U26*S26","v":0}]
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[null,"Contract",{"$f":"Calc3!I42*INDEX(Calc3!$AK$9:$AK$13,Calc3!G42,0)","v":0},{"$f":"C29-(Calc3!X101-Calc3!X98)","v":0},null,null,{"$f":"Calc3!M42*INDEX(Calc3!$AK$9:$AK$13,Calc3!K42,0)","v":0},{"$f":"G29-(Calc3!AD101-Calc3!AD98)","v":0},null,null,{"$f":"Calc3!Q40*INDEX(Calc3!$AK$9:$AK$13,Calc3!O40,0)","v":0},{"$f":"K29-(Calc3!AJ99-Calc3!AJ96)","v":0},null,null,{"$f":"Calc3!U40*INDEX(Calc3!$AK$9:$AK$13,Calc3!S40,0)","v":0},{"$f":"O29-(Calc3!AP99-Calc3!AP96)","v":0},null,{"$f":"SUM(C29,G29,K29,O29)","v":0},{"$f":"SUM(D29,H29,L29,P29)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U29*R29","v":0},{"$f":"$U29*S29","v":0}]
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[null,"Total Gross Income",{"$f":"SUM(C5:C32)","v":0},{"$f":"SUM(D5:D32)","v":0},null,null,{"$f":"SUM(G5:G32)","v":0},0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
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["Plus","Other Income and Adjustments"]
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[null,"Total Other Income and Adjustments",{"$f":"SUM(C36:C37)","v":0},{"$f":"SUM(D36:D37)","v":0},null,null,{"$f":"SUM(G36:G37)","v":0},{"$f":"SUM(H36:H37)","v":0},null,null,{"$f":"SUM(K36:K37)","v":0},{"$f":"SUM(L36:L37)","v":0},null,null,{"$f":"SUM(O36:O37)","v":0},{"$f":"SUM(P36:P37)","v":0},null,{"$f":"SUM(R36:R37)","v":0},{"$f":"SUM(S36:S37)","v":0},null,null,null,{"$f":"SUM(W36:W37)","v":0},{"$f":"SUM(X36:X37)","v":0}]
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[null,"Totals",{"$f":"C33+C38","v":0},{"$f":"D33+D38","v":0},null,null,0,0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
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[null,"Scaled ACC Levy",null,{"$f":"Calc3!Y118","v":0},null,null,null,{"$f":"Calc3!AE118","v":0},null,null,null,{"$f":"Calc3!AK118","v":0},null,null,null,{"$f":"Calc3!AQ118","v":0},null,null,{"$f":"SUM(D42,H42,L42,P42)","v":0},null,null,null,null,{"$f":"S42","v":0}]
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["Less","Deductions"]
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[null,"Kiwisaver ",null,{"$f":"Calc3!AC103","v":0},null,null,null,{"$f":"Calc3!AI103","v":0},null,null,null,{"$f":"Calc3!AO103","v":0},null,null,null,{"$f":"Calc3!AU103","v":0},null,null,{"$f":"SUM(D46,H46,L46,P46)","v":0},null,1,null,null,{"$f":"U46*S46","v":0}]
[null,"Total Deductions",null,{"$f":"SUM(D45:D46)","v":0},null,null,null,{"$f":"SUM(H45:H46)","v":0},null,null,null,{"$f":"SUM(L45:L46)","v":0},null,null,null,{"$f":"SUM(P45:P46)","v":0},null,null,{"$f":"SUM(S45:S46)","v":0},null,null,null,null,{"$f":"SUM(X45:X46)","v":0}]
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["Plus","Rental/Boarder Income"]
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[null,"Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calc3!J166","v":0},null,null,{"$f":"'Calculator Parameters'!D20","v":0.8},null,null,{"$f":"U51*R51","v":0}]
[null,"Total Rental/Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R50:R51)","v":0},null,null,null,null,null,{"$f":"SUM(X50:X51)","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross","Gross Scaled",null,null,null,"Total Adjusted Gross","Net Scaled"]
[null,"Total Gross (non-scaled)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"R33+R38+R52","v":0},{"$f":"W33+W38+X52","v":0},null,null,null,{"$f":"S55-X47","v":0},{"$f":"X40-X42+X52-X47","v":0}]
[null,"Total Gross Scaled"]
[null,"Total Adjusted Gross Scaled"]

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[null,"Self Employed/Business",{"$f":"Calc4!I21*INDEX(Calc4!$AK$9:$AK$13,Calc4!G21,0)","v":0},{"$f":"C8-(Calc4!X80-Calc4!X77)","v":0},null,null,{"$f":"Calc4!M21*INDEX(Calc4!$AK$9:$AK$13,Calc4!K21,0)","v":0},{"$f":"G8-(Calc4!AD80-Calc4!AD77)","v":0},null,null,{"$f":"Calc4!Q21*INDEX(Calc4!$AK$9:$AK$13,Calc4!O21,0)","v":0},{"$f":"K8-(Calc4!AJ80-Calc4!AJ77)","v":0},null,null,{"$f":"Calc4!U21*INDEX(Calc4!$AK$9:$AK$13,Calc4!S21,0)","v":0},{"$f":"O8-(Calc4!AP80-Calc4!AP77)","v":0},null,{"$f":"SUM(C8,G8,K8,O8)","v":0},{"$f":"SUM(D8,H8,L8,P8)","v":0},null,{"$f":"'Calculator Parameters'!D15","v":1},null,{"$f":"U8*R8","v":0},{"$f":"$U8*S8","v":0}]
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[null,"Overtime",{"$f":"Calc4!I24*INDEX(Calc4!$AK$9:$AK$13,Calc4!G24,0)","v":0},{"$f":"C11-(Calc4!X83-Calc4!X80)","v":0},null,null,{"$f":"Calc4!M24*INDEX(Calc4!$AK$9:$AK$13,Calc4!K24,0)","v":0},{"$f":"G11-(Calc4!AD83-Calc4!AD80)","v":0},null,null,{"$f":"Calc4!Q24*INDEX(Calc4!$AK$9:$AK$13,Calc4!O24,0)","v":0},{"$f":"K11-(Calc4!AJ83-Calc4!AJ80)","v":0},null,null,{"$f":"Calc4!U24*INDEX(Calc4!$AK$9:$AK$13,Calc4!S24,0)","v":0},{"$f":"O11-(Calc4!AP83-Calc4!AP80)","v":0},null,{"$f":"SUM(C11,G11,K11,O11)","v":0},{"$f":"SUM(D11,H11,L11,P11)","v":0},null,{"$f":"'Calculator Parameters'!D11","v":0.8},null,{"$f":"U11*R11","v":0},{"$f":"$U11*S11","v":0}]
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[null,"Bonus",{"$f":"Calc4!I27*INDEX(Calc4!$AK$9:$AK$13,Calc4!G27,0)","v":0},{"$f":"C14-(Calc4!X86-Calc4!X83)","v":0},null,null,{"$f":"Calc4!M27*INDEX(Calc4!$AK$9:$AK$13,Calc4!K27,0)","v":0},{"$f":"G14-(Calc4!AD86-Calc4!AD83)","v":0},null,null,{"$f":"Calc4!Q27*INDEX(Calc4!$AK$9:$AK$13,Calc4!O27,0)","v":0},{"$f":"K14-(Calc4!AJ86-Calc4!AJ83)","v":0},null,null,{"$f":"Calc4!U27*INDEX(Calc4!$AK$9:$AK$13,Calc4!S27,0)","v":0},{"$f":"O14-(Calc4!AP86-Calc4!AP83)","v":0},null,{"$f":"SUM(C14,G14,K14,O14)","v":0},{"$f":"SUM(D14,H14,L14,P14)","v":0},null,{"$f":"'Calculator Parameters'!D12","v":0.7},null,{"$f":"U14*R14","v":0},{"$f":"$U14*S14","v":0}]
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[null,"Allowance",{"$f":"Calc4!I30*INDEX(Calc4!$AK$9:$AK$13,Calc4!G30,0)","v":0},{"$f":"C17-(Calc4!X89-Calc4!X86)","v":0},null,null,{"$f":"Calc4!M30*INDEX(Calc4!$AK$9:$AK$13,Calc4!K30,0)","v":0},{"$f":"G17-(Calc4!AD89-Calc4!AD86)","v":0},null,null,{"$f":"Calc4!Q30*INDEX(Calc4!$AK$9:$AK$13,Calc4!O30,0)","v":0},{"$f":"K17-(Calc4!AJ89-Calc4!AJ86)","v":0},null,null,{"$f":"Calc4!U30*INDEX(Calc4!$AK$9:$AK$13,Calc4!S30,0)","v":0},{"$f":"O17-(Calc4!AP89-Calc4!AP86)","v":0},null,{"$f":"SUM(C17,G17,K17,O17)","v":0},{"$f":"SUM(D17,H17,L17,P17)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U17*R17","v":0},{"$f":"$U17*S17","v":0}]
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[null,"Commission",{"$f":"Calc4!I33*INDEX(Calc4!$AK$9:$AK$13,Calc4!G33,0)","v":0},{"$f":"C20-(Calc4!X92-Calc4!X89)","v":0},null,null,{"$f":"Calc4!M33*INDEX(Calc4!$AK$9:$AK$13,Calc4!K33,0)","v":0},{"$f":"G20-(Calc4!AD92-Calc4!AD89)","v":0},null,null,{"$f":"Calc4!Q33*INDEX(Calc4!$AK$9:$AK$13,Calc4!O33,0)","v":0},{"$f":"K20-(Calc4!AJ92-Calc4!AJ89)","v":0},null,null,{"$f":"Calc4!U33*INDEX(Calc4!$AK$9:$AK$13,Calc4!S33,0)","v":0},{"$f":"O20-(Calc4!AP92-Calc4!AP89)","v":0},null,{"$f":"SUM(C20,G20,K20,O20)","v":0},{"$f":"SUM(D20,H20,L20,P20)","v":0},null,{"$f":"'Calculator Parameters'!D14","v":0.75},null,{"$f":"U20*R20","v":0},{"$f":"$U20*S20","v":0}]
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[null,"Benefits including Superannuation",{"$f":"Calc4!I39*INDEX(Calc4!$AK$9:$AK$13,Calc4!G39,0)","v":0},{"$f":"C26-(Calc4!X98-Calc4!X95)","v":0},null,null,{"$f":"Calc4!M39*INDEX(Calc4!$AK$9:$AK$13,Calc4!K39,0)","v":0},{"$f":"G26-(Calc4!AD98-Calc4!AD95)","v":0},null,null,{"$f":"Calc4!Q39*INDEX(Calc4!$AK$9:$AK$13,Calc4!O39,0)","v":0},{"$f":"K26-(Calc4!AJ98-Calc4!AJ95)","v":0},null,null,{"$f":"Calc4!U39*INDEX(Calc4!$AK$9:$AK$13,Calc4!S39,0)","v":0},{"$f":"O26-(Calc4!AP98-Calc4!AP95)","v":0},null,{"$f":"SUM(C26,G26,K26,O26)","v":0},{"$f":"SUM(D26,H26,L26,P26)","v":0},null,{"$f":"'Calculator Parameters'!D16","v":1},null,{"$f":"U26*R26","v":0},{"$f":"$U26*S26","v":0}]
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[null,"Total Gross Income",{"$f":"SUM(C5:C32)","v":0},{"$f":"SUM(D5:D32)","v":0},null,null,{"$f":"SUM(G5:G32)","v":0},0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
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["Plus","Other Income and Adjustments"]
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[null,"Scaled ACC Levy",null,{"$f":"Calc4!Y118","v":0},null,null,null,{"$f":"Calc4!AE118","v":0},null,null,null,{"$f":"Calc4!AK118","v":0},null,null,null,{"$f":"Calc4!AQ118","v":0},null,null,{"$f":"SUM(D42,H42,L42,P42)","v":0},null,null,null,null,{"$f":"S42","v":0}]
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["Less","Deductions"]
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[null,"Kiwisaver ",null,{"$f":"Calc4!AC103","v":0},null,null,null,{"$f":"Calc4!AI103","v":0},null,null,null,{"$f":"Calc4!AO103","v":0},null,null,null,{"$f":"Calc4!AU103","v":0},null,null,{"$f":"SUM(D46,H46,L46,P46)","v":0},null,1,null,null,{"$f":"U46*S46","v":0}]
[null,"Total Deductions",null,{"$f":"SUM(D45:D46)","v":0},null,null,null,{"$f":"SUM(H45:H46)","v":0},null,null,null,{"$f":"SUM(L45:L46)","v":0},null,null,null,{"$f":"SUM(P45:P46)","v":0},null,null,{"$f":"SUM(S45:S46)","v":0},null,null,null,null,{"$f":"SUM(X45:X46)","v":0}]
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["Plus","Rental/Boarder Income"]
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[null,"Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calc4!J166","v":0},null,null,{"$f":"'Calculator Parameters'!D20","v":0.8},null,null,{"$f":"U51*R51","v":0}]
[null,"Total Rental/Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R50:R51)","v":0},null,null,null,null,null,{"$f":"SUM(X50:X51)","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross","Gross Scaled",null,null,null,"Total Adjusted Gross","Net Scaled"]
[null,"Total Gross (non-scaled)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"R33+R38+R52","v":0},{"$f":"W33+W38+X52","v":0},null,null,null,{"$f":"S55-X47","v":0},{"$f":"X40-X42+X52-X47","v":0}]
[null,"Total Gross Scaled"]
[null,"Total Adjusted Gross Scaled"]

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["Account Number","Header","Mortgage at Own Bank","Mortgage Elsewhere","Consumer Debt","Student Loan","Business Loans","Other","Total All Debt","Total All Debt - display once","Total SBS Debt","Wages and Salaries","Self Employment","Boarder Income","Rental Income","Superannuation & Govt Benefit","Other Income","Deductions","Adjusted Gross Income","Adjusted Gross Income - display once","Gross Wages and Salaries","Gross Business Income / Self Employment","Gross Boarder Income","Gross Rental Income","Gross Superannuation & Govt Benefits","Gross Other Income","Total Gross Income","Total Gross Income - display once","Debt To Income\n (DTI)"]
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[null,null,null,null,null,null,null,null,null,null,"Household 2",{"$f":"'DTI2'!W5+'DTI2'!W11+'DTI2'!W14+'DTI2'!W17+'DTI2'!W20","v":0},{"$f":"'DTI2'!W8+'DTI2'!W36","v":0},{"$f":"'DTI2'!X51","v":0},{"$f":"'DTI2'!X50","v":0},{"$f":"'DTI2'!W26","v":0},{"$f":"'DTI2'!W23+'DTI2'!W29+'DTI2'!W31","v":0},{"$f":"-'DTI2'!X47","v":0},{"$f":"'DTI2'!W55","v":0},null,{"$f":"'DTI2'!R5+'DTI2'!R11+'DTI2'!R14+'DTI2'!R17+'DTI2'!R20","v":0},{"$f":"'DTI2'!R8+'DTI2'!R36","v":0},{"$f":"'DTI2'!R51","v":0},{"$f":"'DTI2'!R50","v":0},{"$f":"'DTI2'!R26","v":0},{"$f":"'DTI2'!R23+'DTI2'!R29+'DTI2'!R31","v":0},{"$f":"'DTI2'!R55","v":0}]
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