{"text_format":"1","workbook":"xlsx","n_sheets":27,"sheets":["Version Log","Changes backlog","Customer view page","ProcessDoc","All data points & rules","Serviceability calculations","HEM tables & calculation","Summary (NTBS)","New loan details & repayments","Income assessor","Income assessor (2)","Self-employed Income","Self-employed Income (2)","Self-employed Income (3)","Self-employed Income (4)","Self-employed Income (5)","Foreign Income","Rental Income","Deductions","Monthly expenses","Existing debt","Family Guarantee","LMI","Zoning & Postcodes","Lists","Pay periods","BPMS"],"not_rendered":{"charts":0,"images":11,"macros":1,"external_links":0,"defined_names":11,"comments":16,"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":"Version Log","index":0,"n_rows":34,"n_cols":6,"rows_kept":34,"cut":false,"hidden":true,"merged":[]}
["Version","Changes","Changes By","Requested By","Sign off","Effective date"]
[22.15,"New, revamped serviceability calculator",null,null,"Brock Ford, Dave Melville, Melissa Christy, Paul Herbert","2022-08-25"]
["22.15 (v2)","- Will not show NMS result if expenses not entered (additional or living)\n- Will not show serviceability outcome (pass/fail) if NMS, DTI or LVR = blank\n- Will not show outcome if no loan or security details entered, and warning note given\n- Fix of rare date error in income assessor, where monthly pay and first pay is <2 weeks into year. This was an undiscovered issue on the old calculator\n- Removed blocker on 'future date' in PAYG calc\n- Defaulted ownerships to 100% in rental and debt screens",null,null,"Patrick Song","2022-08-26"]
["22.15 (v3)","- Allow decimal for loan term on main screen\n- Allow negative amounts in self-employed calculator\n- Add in OO (other) and INV (other) as purpose types\n- Removed drop-down list for IO period, and allowed decimal places\n- Removed 'name' as a missing piece of info",null,null,"Evan Hughes","2022-08-29"]
[22.16,"- Added 'bi-monthly' as a payment cycle",null,null,"Evan Hughes","2022-08-30"]
[22.17,"- Fixed error with monthly pay cycle (no. pay periods)\n- Made rental income in Summary tab gross, not discounted\n- Further info to advise to complete relationship info, otherwise expenses don't compare to HEM\n- Fix to Summary (NTBS) screen to change rental and foreign income amounts to gross (pre-discount)",null,null,"Patrick Song","2022-08-31"]
["22.17 (v2)","- Fixed Summary screen (NMS and loan calculations)\n- Update Edit/Publish macros to properly hide data tabs\n- Summary button will make tabs appear (non-data ones)\n- Existing debt ID is now free text\n- Excluded 'name' in the missing information Y/N formula",null,null,"Evan Hughes","2022-09-02"]
["22.18 (TO DO)","- Further fixes to pay periods - using a matrix for bi-monthly and monthly - calculation is updated & new tab for pay periods created\n- Providing assessors access to background data in the income assessor to understand calculation (with supporting notes for what each cell does)\n- New BPMS button that displays tabs and instructs how to save in xlsx format. Is this needed?\n- Fix ML formula post Christian confirmation (maybe AG too)"]
[22.18,"- Fixed 'approximate' wording in assessment summary\n- Amended column widths in rental income and existing debt screens\n- Slightly altered wording in 'new loan - yes/no' in rental income screen\n- Message on front page to remind users to enable macros before proceeding\n- Income assessor: reduced column widths and placed reminder to enable macros if not all apps visible\n- Note on income assessor (2) that it will get added to main screen\n- Changed HECS calc to not incl rental, inv for foreign (DM to confirm if we keep this); test before live\n-Changed Summary (AOL) to Summary (NTBS)\n- First date of financial year - change note to 'payslip period end date of first payslip this year' (ENSURE BDMs are aware of this change & why - both dates need to be payslip period end date)\n- Added note on existing debt screen to assist where rental debt has multi splits\n- Further fixes to pay periods - using a matrix for monthly - calc is updated & new tab for pay periods created\n- Providing assessors access to background data in the income assessor to understand calculation (with supporting notes for what each cell does).\n- Fixed ML formula so it's based off actual remaining ML period\n- Fixed minor error in PAYG calc where quoted non-base was exactly the same as calculated non-base",null,null,"Patrick Song","2022-09-08"]
["22.18 (v2)","- Minor fix to HECS calculation on deductions section",null,null,"Evan Hughes","2022-09-09"]
["22.18 (v3)","- Not showing smiley/sad face until PASS/FAIL is given\n- Fixed description of YTD non-base\n- Re-sized some comment boxes to make them more visible\n- Shifted some 'back to home' and 'clear' buttons as they sometimes became hidden"]
[22.19,"- Change negative gearing rate to 3.98%\n- HEM Update to Q2-2022\n- Added PRINT ASSESSMENT buttons which PDFs the serviceability worksheet\n- Added note to manual entry section that input should not be discounted\n- Updated references in serviceability summary to point to names\n- Update serviceability calculations sheet notes/comments",null,null,"Patrick Song","2022-09-23"]
[22.2,"- Fix to error where HEM wasn’t being calculated",null,null,"Evan Hughes","2022-09-26"]
[22.21,"- Changes to use borrower level CDLE vs HEM",null,null,"Patrick Song","2022-10-24"]
["22.22 (v1)","- Added additional S/E sheets (can now do up to 5)\n- Set print area for main screen to be on one page",null,null,"Evan Hughes"]
["22.22 (v1)","- Added \"BNPL\" to Credit Card Limit (Customer view page)\n- Replaced HECS tick box with \"HECS amount still owing (Customer view page)\n- Updated formula to use minimum of HECS amount still owing, and calculated value of HECS requirements based on income brackets (Serviceability calculations)\n- Updated macro to clear HECS amount still owing inputs from Customer view page\n- Included Customer declared HECS amount in the DTI calculations\n- Freeze panes to allow viewing of supporting calculations without having to scroll back and forth","Hanh Tran (with Evan Hughes)",null,"Evan Hughes\nAldwin Calubad ","2022-12-12"]
["22.22 (v2)","Minor changes (from recommended changes in backlog):\n- All pages accessible by public: Updated print layout.\n- Customer view page tab: Added link to Master Limit info on AMP Distributor site.\n- Income Assessor & Income Assessor (2) tabs: Added/updated buttons to toggle between main and 2nd PAYG income assessors. Added link to credit policy.\n- All Self Employed Income, Rental Income tabs: Added link to credit policy\n- Foreign income tab: Updated policy wording to note max LVR and new to bank clients must be living and working in Australia. Added link to credit policy.\n- Existing debt tab: Data validation to restrict numerical values only in remaining IO term field","Hanh Tran",null,"Not required as cosmetic changes only","2022-12-20"]
[23.01,"-Updated HEM table. Note that income brackets have also been updated.\n-Remove data validation requirement of <$10k for splits (to allow for top up scenarios)\n-Updated \"See interest rates\" link to 2023","Hanh Tran",null,"Sergio Martin","2023-03-17"]
[23.02,"-Updates in the rental income section to allow user input of actual interest rates for deductibility (previously known as Negative Gearing).\nAddition of 4 additional restricted postcodes in QLD\n-Increased “floor rate’ from 5.10% to 6.00%","Warren Tappe",null,"Sergio Martin (req)\nAldwin Calubad\nEvan Hughes (req)","2023-05-25"]
[23.03,"Summary (NTBS) - Missing formula reference when calculating rental income on 2 property in list\nExisting Debt – in other debt table, corrected loan type list \nExisting Debt – Correction 3% buffer added to personal loans\nHEM Tables Updated","Warren Tappe",null,"Lakmal - Testing\nSergio","2023-06-20"]
[23.04,"HECS Repayment Rates\nSGC Rates\nCorrected rental zone names","Warren Tappe",null,"Lakmal - Testing\nSergio","2023-07-24"]
[23.05,"HEM Tables - also minor correction to formula picking up ount of existing debts","Warren Tappe",null,"Lakmal - Testing\nSergio","2023-09-15"]
[23.06,"HEM Tables\nRepayment Assesment Rate\nPostcode updates\nButton formatting","Warren Tappe",null,"Lakmal - Testing\nSergio","2023-12-13"]
[24.01,"HEM Table","Warren Tappe",null,"Lakmal - Testing\nSergio","2024-03-15"]
[24.02,"NMS to change from $500 to $200 for INV DTI>6, <80%","Warren Tappe",null,"Lakmal - Testing\nSergio","15/03/2024 - Uploaded 26th"]
[24.03,"LMI - Change to rate bands as well as loading for Self emp and refi purpose","Warren Tappe",null,"Lakmal - Testing\nSergio"]
[24.04,"Tax Rates - SGC - HELP","Warren Tappe",null,"Lakmal - Testing\nSergio"]
[24.05,"HEM - Rental Shading policy changes - Max rental yeild change - Bonus income change - Self Employed 1 year only income","Warren Tappe",null,"Lakmal - Testing\nSergio"]
[24.05,"removed 2 self emp wage types from list (non borrowing trustee/director wages)"]
[24.06,"1. Allow option for calculating self employed income if more than 1 year financials is provided.\n2. Superannuation contribution rate for previous years included so that self employed income can be calculated based on the year of financials provided","Hanh Tran",null,"Lakmal - Testing\nSergio"]
[24.07,"HEM - 2024Q2 August","Hanh Tran",null,"Lakmal - Testing\nSergio"]
[24.08,"HEM - 2024Q3 November","Hanh",null,"Lakmal - Testing\nSergio"]
[25.01,"HEM - 2024Q4","Hanh","Lakmal - Testing\nSergio"]
[25.02,"Allow interest only period up to 10 years for ProPack","Hanh","Andy leader (Product Team)","Andy Leader-Requestor\nLakmal - Testing\nSergio-Owner","2025-04-01"]

{"sheet":"Changes backlog","index":1,"n_rows":17,"n_cols":7,"rows_kept":17,"cut":false,"hidden":true,"merged":[]}
["Date Recommended","Recommended change","Recommended By","Target Date","Status Update","Updated By","Implemented Date"]
[null,"Show deductions, HECS in a separate 'Apply Online' entry table",null,"Post go live"]
[null,"Make non-taxed income as part of pay cycle",null,"Post go live"]
[null,"Allow master limit to be non-5/10 years (e.g., 7.5). Not a drop down. Can manually allow on exception for now",null,"Quick post live"]
[null,"Foreign income: can we have warning must be residing and living in Australia and max 70% LVR ?",null,"Post go live","Done, however will add max loan amount or add LVR restriction when foreign income has been used in servicing","Hanh Tran"]
[null,"Deductions: how to include leases?",null,"Post go live"]
[null,"Link to credit policy for PAYG/SE income",null,"Post go live","Done","Hanh Tran"]
[null,"Link to master limit info on website",null,"Post go live","Done","Hanh Tran"]
[null,"Have a pop-up on rental/debt screens if no ownership given, and user clicks back to main screen (or have warning on main screen?)",null,"Quick post live"]
["2022-12-12","Show only minimum max loan amount (instead of showing max based on LVR and NMS)","Deidre Walker","Q1 2023"]
["2022-12-15","can only go to 2nd job by clicking add 2nd job and in that can only go back to main screen ie cant toggle between jobs ","Warren Arnott","Q1 2023","Done","Hanh Tran"]
["2022-12-20","Update print settings on all pages","Laura Downer","Q1 2023","Done","Hanh Tran"]
["2022-12-20","Expenses tab: Data validation to allow numerical value only in remaining IO term","Rose Natoli","Q1 2023","Done","Hanh Tran"]
["2022-12-20","Restrict LVR/max loan amount when foreign income added","Hanh Tran","Q1 2023"]
["2023-02-01","< $10k limit, to allow for loan increases","Emma Vince",null,"Done","Hanh Tran"]
["2023-02-01","LMI premium calculation when Investment (other) purpose is selected, check why LMI doesn't calculate for this purpose","Emma Vince"]
["2023-02-03","Lock formatting so users can't drag cells","Heath Timins"]

{"sheet":"Customer view page","index":2,"n_rows":132,"n_cols":18,"rows_kept":132,"cut":false,"hidden":false,"merged":[[131,4,131,5],[131,6,131,7],[131,8,131,9],[131,10,131,12],[131,13,131,14],[130,4,130,5],[130,6,130,7],[130,8,130,9],[130,10,130,12],[130,13,130,14],[127,10,127,12],[127,6,127,7],[126,13,126,14],[128,4,128,5],[128,8,128,9],[128,10,128,12],[126,6,126,7],[129,8,129,9],[129,10,129,12],[129,13,129,14],[126,8,126,9],[126,10,126,12],[129,4,129,5],[127,4,127,5],[127,13,127,14],[128,13,128,14],[129,6,129,7],[127,8,127,9],[32,17,34,17],[33,4,33,5],[33,6,33,7],[33,8,33,9],[33,10,33,12],[33,13,33,14],[128,6,128,7],[101,1,101,15],[94,10,94,11],[86,5,86,6],[87,5,87,6],[86,7,86,8],[87,7,87,8],[87,10,87,12],[98,4,98,5],[124,4,124,5],[37,4,37,5],[35,13,35,14],[34,4,34,5],[35,4,35,5],[126,4,126,5],[81,8,81,9],[108,6,111,9],[85,4,85,12],[1,5,2,12],[5,4,5,5],[4,1,4,15],[31,10,31,12],[31,6,31,7],[15,6,15,7],[9,6,9,7],[29,10,29,12],[9,4,9,5],[22,10,22,12],[18,3,18,9],[13,2,13,3],[28,2,28,3],[20,2,20,3],[31,4,31,5],[25,13,25,14],[29,13,29,14],[16,4,16,5],[15,13,15,14],[13,6,13,7],[14,6,14,7],[16,6,16,7],[6,4,6,5],[6,6,6,7],[37,10,37,12],[24,6,24,7],[24,8,24,9],[26,4,26,5],[30,4,30,5],[30,6,30,7],[35,8,35,9],[37,6,37,7],[34,8,34,9],[30,8,30,9],[30,10,30,12],[29,8,29,9],[28,4,28,14],[34,6,34,7],[34,10,34,12],[35,10,35,12],[29,4,29,5],[27,4,27,14],[25,4,25,5],[25,6,25,7],[25,8,25,9],[25,10,25,12],[26,6,26,7],[26,8,26,9],[7,4,7,5],[5,10,5,12],[5,6,5,7],[5,8,5,9],[24,10,24,12],[15,4,15,5],[22,13,22,14],[17,13,19,14],[22,4,22,5],[22,6,22,7],[21,13,21,14],[8,13,8,14],[8,4,8,5],[15,8,15,9],[21,8,21,9],[5,13,5,14],[13,4,13,5],[7,13,7,14],[7,6,7,7],[14,13,14,14],[13,13,13,14],[14,10,14,12],[9,10,9,12],[24,4,24,5],[26,10,26,12],[29,6,29,7],[24,13,24,14],[22,8,22,9],[21,4,21,5],[6,10,6,12],[18,10,18,12],[7,10,7,12],[21,10,21,12],[6,13,6,14],[13,8,13,9],[12,1,12,15],[13,10,13,12],[9,13,9,14],[15,10,15,12],[16,10,16,12],[8,10,8,12],[8,6,8,7],[6,8,6,9],[9,8,9,9],[8,8,8,9],[14,4,14,5],[15,2,15,3],[7,8,7,9],[14,2,14,3],[16,13,16,14],[21,6,21,7],[14,8,14,9],[16,8,16,9],[122,4,122,5],[122,6,122,7],[122,8,122,9],[122,10,122,12],[112,12,115,14],[96,10,96,11],[97,10,97,11],[93,10,93,11],[43,13,43,14],[43,6,43,7],[44,6,44,7],[59,6,59,7],[58,4,58,5],[51,1,52,3],[61,6,61,7],[61,8,61,9],[62,4,62,14],[59,10,59,12],[50,4,50,5],[124,10,124,12],[124,8,124,9],[124,13,124,14],[122,13,122,14],[125,8,125,9],[123,8,123,9],[123,10,123,12],[123,13,123,14],[124,6,124,7],[125,4,125,5],[125,6,125,7],[125,10,125,12],[125,13,125,14],[71,4,71,5],[48,8,48,9],[47,1,47,15],[54,6,54,7],[58,6,58,7],[49,4,49,14],[123,6,123,7],[123,4,123,5],[120,1,120,15],[90,1,90,15],[119,6,119,9],[102,6,102,9],[95,13,95,15],[91,12,92,12],[95,10,95,11],[112,6,118,9],[110,5,111,5],[110,11,110,12],[121,4,121,14],[103,2,103,4],[106,11,106,12],[103,11,103,14],[107,11,107,12],[108,11,108,12],[88,4,88,12],[100,1,100,15],[97,4,97,5],[92,10,92,11],[96,4,96,5],[93,4,93,5],[95,4,95,5],[105,11,105,12],[98,10,98,11],[38,2,38,3],[41,13,41,14],[26,13,26,14],[31,13,31,14],[37,8,37,9],[39,8,39,9],[39,6,39,7],[41,4,41,5],[44,4,44,5],[41,10,41,12],[38,4,38,12],[43,10,43,12],[44,8,44,9],[37,13,37,14],[31,8,31,9],[34,13,34,14],[39,10,39,12],[42,2,42,3],[35,6,35,7],[43,4,43,5],[44,13,44,14],[39,4,39,5],[41,6,41,7],[42,4,42,12],[68,9,68,11],[69,9,69,11],[66,1,66,15],[58,13,58,14],[52,13,52,14],[59,8,59,9],[59,4,59,5],[61,1,61,3],[63,1,63,5],[53,1,54,3],[60,4,60,5],[60,6,60,7],[60,8,60,9],[60,10,60,12],[60,13,60,14],[78,4,78,5],[80,8,80,9],[75,6,75,7],[75,8,75,9],[76,8,76,9],[94,4,94,5],[80,6,80,7],[77,6,77,7],[79,4,79,5],[77,8,77,9],[80,4,80,5],[76,4,76,5],[81,4,81,5],[75,4,75,5],[78,6,78,7],[84,1,84,15],[76,6,76,7],[81,6,81,7],[79,6,79,7],[79,8,79,9],[78,8,78,9],[77,4,77,5],[94,13,94,15],[92,4,92,5],[39,13,39,14],[44,10,44,12],[52,10,52,12],[72,6,72,7],[73,6,73,7],[43,17,44,17],[54,8,54,9],[50,13,50,14],[72,8,72,9],[73,8,73,9],[68,14,68,15],[41,8,41,9],[71,8,71,9],[68,5,68,6],[43,8,43,9],[54,4,54,5],[52,8,52,9],[48,10,48,12],[50,6,50,7],[48,4,48,5],[50,8,50,9],[50,10,50,12],[52,6,52,7],[61,10,61,12],[73,4,73,5],[72,4,72,5],[62,17,63,17],[74,6,74,7],[74,8,74,9],[48,13,48,14],[54,13,54,14],[71,6,71,7],[61,4,61,5],[63,7,63,10],[61,13,61,14],[69,5,69,6],[67,7,68,7],[52,4,52,5],[63,13,63,14],[74,4,74,5],[63,11,63,12],[48,6,48,7],[54,10,54,12],[53,4,53,14],[57,1,57,15],[58,8,58,9],[59,13,59,14],[58,10,58,12],[91,17,93,17],[85,17,88,17],[2,14,3,15],[110,2,110,3],[111,2,111,3],[71,14,71,15],[72,14,72,15],[73,14,73,15],[74,14,74,15],[75,14,75,15],[76,14,76,15],[77,14,77,15],[78,14,78,15],[79,14,79,15],[80,14,80,15],[81,14,81,15],[96,13,96,15],[97,13,97,15],[98,13,98,15],[93,13,93,15],[92,13,92,14],[59,1,59,3],[21,17,26,17],[30,13,30,14]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Submission date"]
[null,null,null,null,null,"AMP Bank Serviceability Calculator"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"v25.02"]
[]
[null,"Applicant Information",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Legend"]
[null,null,"No. Applicants",null,"Applicant 1",null,{"$f":"IF($C$7>1,\"Applicant 2\",\"N/A\")","v":"N/A"},null,{"$f":"IF($C$7>2,\"Applicant 3\",\"N/A\")","v":"N/A"},null,{"$f":"IF($C$7>3,\"Applicant 4\",\"N/A\")","v":"N/A"},null,null,{"$f":"IF($C$7>4,\"Applicant 5\",\"N/A\")","v":"N/A"},{"$f":"IF($C$7>4,\"Applicant 5\",\"\")","v":""}]
[null,null,1,"Name*",null,null,null,null,null,null,null,null,null,null,null,null,null,"Enter data/choose option"]
[null,null,null,"Status (couple or single)*",null,null,null,null,null,null,null,null,null,null,null,null,null,"Auto-calculated"]
[null,null,null,"Spouse of?*"]
[null,null,null,"Number of dependents"]
[null,null,null,null,"NOTE:  only include common dependents under ONE applicant (the first applicant of the couple)"]
[]
[null,"Income"]
[null,null,"PAYG income",null,{"$f":"IF(E7=\"\",\"Applicant 1\",E7)","v":"Applicant 1"},null,{"$f":"IF(G7=\"\",G6,G7)","v":"N/A"},null,{"$f":"IF($I$7=\"\",$I$6,$I$7)","v":"N/A"},null,{"$f":"IF($K$7=\"\",$K$6,$K$7)","v":"N/A"},null,null,{"$f":"IF($N$7=\"\",$N$6,$N$7)","v":"N/A"}]
[null,null,"Employment type"]
[null,null,"Essential services"]
[null,null,null,"Pay frequency"]
[]
[null,null,null,"Select how you'd like to input the borrower's PAYG income information:",null,null,null,null,null,null,"PAYG income assessor"]
[]
[null,null,"Income assessor",null,"Click button to provide payslip information to automatically calculate serviceable income"]
[null,null,null,"Base salary",{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),'Income assessor'!$AC5+'Income assessor (2)'!$AC5,0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),'Income assessor'!$AC6+'Income assessor (2)'!$AC6,0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),'Income assessor'!$AC7+'Income assessor (2)'!$AC7,0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),'Income assessor'!$AC8+'Income assessor (2)'!$AC8,0)","v":0},null,null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),'Income assessor'!$AC9+'Income assessor (2)'!$AC9,0)","v":0},null,null,null,{"$f":"IF($K$19=\"Mix of both\",\"NOTE! Each applicant can only use one of 'income assessor' or 'manual entry' for PAYG\",\"\")","v":""}]
[null,null,null,"Overtime/Commission",{"$f":"IF(OR($K$19=\"PAYG income assessor\",$K$19=\"Mix of both\"),'Income assessor'!$AL5+'Income assessor (2)'!$AL5,0)","v":0},null,{"$f":"IF(OR($K$19=\"PAYG income assessor\",$K$19=\"Mix of both\"),'Income assessor'!$AL6+'Income assessor (2)'!$AL6,0)","v":0},null,{"$f":"IF(OR($K$19=\"PAYG income assessor\",$K$19=\"Mix of both\"),'Income assessor'!$AL7+'Income assessor (2)'!$AL7,0)","v":0},null,{"$f":"IF(OR($K$19=\"PAYG income assessor\",$K$19=\"Mix of both\"),'Income assessor'!$AL8+'Income assessor (2)'!$AL8,0)","v":0},null,null,{"$f":"IF(OR($K$19=\"PAYG income assessor\",$K$19=\"Mix of both\"),'Income assessor'!$AL9+'Income assessor (2)'!$AL9,0)","v":0}]
[]
[null,null,null,"Non-taxed income",{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),'Income assessor'!Q5+'Income assessor (2)'!Q5,0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),'Income assessor'!Q6+'Income assessor (2)'!Q6,0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),'Income assessor'!Q7+'Income assessor (2)'!Q7,0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),'Income assessor'!Q8+'Income assessor (2)'!Q8,0)","v":0},null,null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),'Income assessor'!Q9+'Income assessor (2)'!Q9,0)","v":0}]
[null,null,null,"Bonus income",{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),IF('Income assessor'!R5+'Income assessor (2)'!R5<='All data points & rules'!$M$27,('Income assessor'!R5+'Income assessor (2)'!R5)*'All data points & rules'!$N$27,'All data points & rules'!$M$27*'All data points & rules'!$N$27+('Income assessor'!R5+'Income assessor (2)'!R5-'All data points & rules'!$M$27)*'All data points & rules'!$N$28),0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),IF('Income assessor'!R6+'Income assessor (2)'!R6<='All data points & rules'!$M$27,('Income assessor'!R6+'Income assessor (2)'!R6)*'All data points & rules'!$N$27,'All data points & rules'!$M$27*'All data points & rules'!$N$27+('Income assessor'!R6+'Income assessor (2)'!R6-'All data points & rules'!$M$27)*'All data points & rules'!$N$28),0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),IF('Income assessor'!R7+'Income assessor (2)'!R7<='All data points & rules'!$M$27,('Income assessor'!R7+'Income assessor (2)'!R7)*'All data points & rules'!$N$27,'All data points & rules'!$M$27*'All data points & rules'!$N$27+('Income assessor'!R7+'Income assessor (2)'!R7-'All data points & rules'!$M$27)*'All data points & rules'!$N$28),0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),IF('Income assessor'!R8+'Income assessor (2)'!R8<='All data points & rules'!$M$27,('Income assessor'!R8+'Income assessor (2)'!R8)*'All data points & rules'!$N$27,'All data points & rules'!$M$27*'All data points & rules'!$N$27+('Income assessor'!R8+'Income assessor (2)'!R8-'All data points & rules'!$M$27)*'All data points & rules'!$N$28),0)","v":0},null,null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),IF('Income assessor'!R9+'Income assessor (2)'!R9<='All data points & rules'!$M$27,('Income assessor'!R9+'Income assessor (2)'!R9)*'All data points & rules'!$N$27,'All data points & rules'!$M$27*'All data points & rules'!$N$27+('Income assessor'!R9+'Income assessor (2)'!R9-'All data points & rules'!$M$27)*'All data points & rules'!$N$28),0)","v":0}]
[null,null,null,"Investment income",{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),('Income assessor'!$AZ5+'Income assessor (2)'!$AZ5)*'All data points & rules'!$M$26,0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),('Income assessor'!$AZ6+'Income assessor (2)'!$AZ6)*'All data points & rules'!$M$26,0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),('Income assessor'!$AZ7+'Income assessor (2)'!$AZ7)*'All data points & rules'!$M$26,0)","v":0},null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),('Income assessor'!$AZ8+'Income assessor (2)'!$AZ8)*'All data points & rules'!$M$26,0)","v":0},null,null,{"$f":"IF(OR(K19=\"PAYG income assessor\",K19=\"Mix of both\"),('Income assessor'!$AZ9+'Income assessor (2)'!$AZ9)*'All data points & rules'!$M$26,0)","v":0}]
[null,null,null,null,"Tip: the above are annual amounts incl discounting/haircutting. See bottom of screen for gross annual amounts to enter in Apply Online"]
[null,null,"Manual entry\n(enter non-discounted figures)",null,"Enter base salary, overtime & commission based on the stated pay frequency above. Discounts are auto calculated. Please note:\n• Two consecutive payslips must be provided to support the figures inputted\n• The income assessor should be used in most instances. Seek guidance from your BDM if manual entry is needed for your customer"]
[null,null,null,"Base salary"]
[null,null,null,"Overtime"]
[null,null,null,"Commission"]
[]
[null,null,null,"Non-taxed income (annual)"]
[null,null,null,"Bonus income (annual)"]
[null,null,null,"Investment income (annual)"]
[null,null,"Self-employed income",null,"If an applicant earns self-employed income, click button to provide (up to 5 entities)"]
[null,null,null,"Annual amount calculated",{"$f":"IF(OR('Self-employed Income'!J75=0,'Self-employed Income'!J75=\"\"),0,'Self-employed Income'!J75)+IF(OR('Self-employed Income (2)'!J75=0,'Self-employed Income (2)'!J75=\"\"),0,'Self-employed Income (2)'!J75)+IF(OR('Self-employed Income (3)'!J75=0,'Self-employed Income (3)'!J75=\"\"),0,'Self-employed Income (3)'!J75)+IF(OR('Self-employed Income (4)'!J75=0,'Self-employed Income (4)'!J75=\"\"),0,'Self-employed Income (4)'!J75)+IF(OR('Self-employed Income (5)'!J75=0,'Self-employed Income (5)'!J75=\"\"),0,'Self-employed Income (5)'!J75)","v":0},null,{"$f":"IF(OR('Self-employed Income'!J77=0,'Self-employed Income'!J77=\"\"),0,'Self-employed Income'!J77)+IF(OR('Self-employed Income (2)'!J77=0,'Self-employed Income (2)'!J77=\"\"),0,'Self-employed Income (2)'!J77)+IF(OR('Self-employed Income (3)'!J77=0,'Self-employed Income (3)'!J77=\"\"),0,'Self-employed Income (3)'!J77)+IF(OR('Self-employed Income (4)'!J77=0,'Self-employed Income (4)'!J77=\"\"),0,'Self-employed Income (4)'!J77)+IF(OR('Self-employed Income (5)'!J77=0,'Self-employed Income (5)'!J77=\"\"),0,'Self-employed Income (5)'!J77)","v":0},null,{"$f":"IF(OR('Self-employed Income'!J79=0,'Self-employed Income'!J79=\"\"),0,'Self-employed Income'!J79)+IF(OR('Self-employed Income (2)'!J79=0,'Self-employed Income (2)'!J79=\"\"),0,'Self-employed Income (2)'!J79)+IF(OR('Self-employed Income (3)'!J79=0,'Self-employed Income (3)'!J79=\"\"),0,'Self-employed Income (3)'!J79)+IF(OR('Self-employed Income (4)'!J79=0,'Self-employed Income (4)'!J79=\"\"),0,'Self-employed Income (4)'!J79)+IF(OR('Self-employed Income (5)'!J79=0,'Self-employed Income (5)'!J79=\"\"),0,'Self-employed Income (5)'!J79)","v":0},null,{"$f":"IF(OR('Self-employed Income'!J81=0,'Self-employed Income'!J81=\"\"),0,'Self-employed Income'!J81)+IF(OR('Self-employed Income (2)'!J81=0,'Self-employed Income (2)'!J81=\"\"),0,'Self-employed Income (2)'!J81)+IF(OR('Self-employed Income (3)'!J81=0,'Self-employed Income (3)'!J81=\"\"),0,'Self-employed Income (3)'!J81)+IF(OR('Self-employed Income (4)'!J81=0,'Self-employed Income (4)'!J81=\"\"),0,'Self-employed Income (4)'!J81)+IF(OR('Self-employed Income (5)'!J81=0,'Self-employed Income (5)'!J81=\"\"),0,'Self-employed Income (5)'!J81)","v":0},null,null,{"$f":"IF(OR('Self-employed Income'!J83=0,'Self-employed Income'!J83=\"\"),0,'Self-employed Income'!J83)+IF(OR('Self-employed Income (2)'!J83=0,'Self-employed Income (2)'!J83=\"\"),0,'Self-employed Income (2)'!J83)+IF(OR('Self-employed Income (3)'!J83=0,'Self-employed Income (3)'!J83=\"\"),0,'Self-employed Income (3)'!J83)+IF(OR('Self-employed Income (4)'!J83=0,'Self-employed Income (4)'!J83=\"\"),0,'Self-employed Income (4)'!J83)+IF(OR('Self-employed Income (5)'!J83=0,'Self-employed Income (5)'!J83=\"\"),0,'Self-employed Income (5)'!J83)","v":0}]
[null,null,"Other annual income",null,"Tip: enter the above calculated annual amount/s as gross income in Apply Online\n\n   Do any applicants earn rental or foreign income? Click button to provide"]
[null,null,null,"Rental income",{"$f":"IF('Serviceability calculations'!C24=0,0,'Serviceability calculations'!C24)","v":0},null,{"$f":"IF('Serviceability calculations'!D24=0,0,'Serviceability calculations'!D24)","v":0},null,{"$f":"IF('Serviceability calculations'!E24=0,0,'Serviceability calculations'!E24)","v":0},null,{"$f":"IF('Serviceability calculations'!F24=0,0,'Serviceability calculations'!F24)","v":0},null,null,{"$f":"IF('Serviceability calculations'!G24=0,0,'Serviceability calculations'!G24)","v":0}]
[]
[null,null,null,"Foreign income",{"$f":"IF('Foreign Income'!E5=\"\",0,'Foreign Income'!E5)","v":0},null,{"$f":"IF('Foreign Income'!E6=\"\",0,'Foreign Income'!E6)","v":0},null,{"$f":"IF('Foreign Income'!E7=\"\",0,'Foreign Income'!E7)","v":0},null,{"$f":"IF('Foreign Income'!E8=\"\",0,'Foreign Income'!E8)","v":0},null,null,{"$f":"IF('Foreign Income'!E9=\"\",0,'Foreign Income'!E9)","v":0}]
[null,null,"Deductions",null,"Tip: the above amounts incl. discounting. The information you provided in each screen should be entered in Apply Online\n\n   Do any applicants have any deductions? Click button to provide"]
[null,null,null,"Total monthly deductions",{"$f":"'Serviceability calculations'!T35","v":0},null,{"$f":"'Serviceability calculations'!U35","v":0},null,{"$f":"'Serviceability calculations'!V35","v":0},null,{"$f":"'Serviceability calculations'!W35","v":0},null,null,{"$f":"'Serviceability calculations'!X35","v":0}]
[null,null,null,"Total annual deductions",{"$f":"E44*12","v":0},null,{"$f":"G44*12","v":0},null,{"$f":"I44*12","v":0},null,{"$f":"K44*12","v":0},null,null,{"$f":"N44*12","v":0}]
[null,null,null,null,"Tip: enter deduction amount as the repayment of an 'other' liability in Apply Online"]
[]
[null,"Monthly Expenses"]
[]
[null,null,null,null,"Enter itemised expenses by clicking the button. General expenses (or HEM) for joint customers shown below as 50/50 split"]
[null,null,null,null,{"$f":"IF(E7=\"\",\"Applicant 1\",E7)","v":"Applicant 1"},null,{"$f":"IF(G7=\"\",G6,G7)","v":"N/A"},null,{"$f":"IF($I$7=\"\",$I$6,$I$7)","v":"N/A"},null,{"$f":"IF($K$7=\"\",$K$6,$K$7)","v":"N/A"},null,null,{"$f":"IF($N$7=\"\",$N$6,$N$7)","v":"N/A"}]
[null,"General living expenses*\n(greater of declared v HEM)"]
[null,null,null,null,{"$f":"IF(OR('Customer view page'!E8=\"Single\",E9=\"Non-applicant\"),'HEM tables & calculation'!M30,'HEM tables & calculation'!M30/2)","v":0},null,{"$f":"IF(OR(G8=\"Single\",G9=\"Non-applicant\"),'HEM tables & calculation'!M31,'HEM tables & calculation'!M31/2+IFERROR(VLOOKUP(\"Applicant 2\",'HEM tables & calculation'!$E$30:$M$34,9,0)/2,0))","v":0},null,{"$f":"IF(OR(I8=\"Single\",I9=\"Non-applicant\"),'HEM tables & calculation'!M32,'HEM tables & calculation'!M32/2+IFERROR(VLOOKUP(\"Applicant 3\",'HEM tables & calculation'!$E$30:$M$34,9,0)/2,0))","v":0},null,{"$f":"IF(OR(K8=\"Single\",K9=\"Non-applicant\"),'HEM tables & calculation'!M33,'HEM tables & calculation'!M33/2+IFERROR(VLOOKUP(\"Applicant 4\",'HEM tables & calculation'!$E$30:$M$34,9,0)/2,0))","v":0},null,null,{"$f":"IF(OR(N8=\"Single\",N9=\"Non-applicant\"),'HEM tables & calculation'!M34,'HEM tables & calculation'!M34/2+IFERROR(VLOOKUP(\"Applicant 5\",'HEM tables & calculation'!$E$30:$M$34,9,0)/2,0))","v":0}]
[null,"Other living expenses*\n(additional; not comparable to HEM)",null,null,{"$f":"IF(AND(SUM(E53:O53)=0,SUM('Monthly expenses'!E28:I28)>0),\"NOTE! If living expenses (or HEM) not showing, check you have provided relationship information at top of screen for HEM calculation & comparison\",\"\")","v":""}]
[null,null,null,null,{"$f":"'Serviceability calculations'!C62","v":0},null,{"$f":"'Serviceability calculations'!D62","v":0},null,{"$f":"'Serviceability calculations'!E62","v":0},null,{"$f":"'Serviceability calculations'!F62","v":0},null,null,{"$f":"'Serviceability calculations'!G62","v":0}]
[]
[]
[null,"Existing Liabilities"]
[null,null,null,null,{"$f":"E51","v":"Applicant 1"},null,{"$f":"G51","v":"N/A"},null,{"$f":"I51","v":"N/A"},null,{"$f":"K51","v":"N/A"},null,null,{"$f":"N51","v":"N/A"},{"$f":"IF($C$7>4,\"Applicant 5\",\"\")","v":""}]
[null,"Credit card + BNPL limit"]
[null,null,null,"HECS amount owing (if applic.)"]
[null,"Estimated yearly HECS repayment",null,null,{"$f":"'Serviceability calculations'!C40","v":0},null,{"$f":"'Serviceability calculations'!D40","v":0},null,{"$f":"'Serviceability calculations'!E40","v":0},null,{"$f":"'Serviceability calculations'!F40","v":0},null,null,{"$f":"'Serviceability calculations'!G40","v":0}]
[null,null,null,null,"Tip: enter HECS amount as the repayment of an 'other' liability in Apply Online\n\nClick to enter other existing debt, and to provide loan info of any rental properties declared above",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AND(ISNUMBER('Existing debt'!E6)=TRUE,'Existing debt'!E6>0,ISBLANK('Existing debt'!G6)=TRUE),AND(ISNUMBER('Existing debt'!E7)=TRUE,'Existing debt'!E7>0,ISBLANK('Existing debt'!G7)=TRUE),AND(ISNUMBER('Existing debt'!E8)=TRUE,'Existing debt'!E8>0,ISBLANK('Existing debt'!G8)=TRUE),AND(ISNUMBER('Existing debt'!E9)=TRUE,'Existing debt'!E9>0,ISBLANK('Existing debt'!G9)=TRUE),AND(ISNUMBER('Existing debt'!E10)=TRUE,'Existing debt'!E10>0,ISBLANK('Existing debt'!G10)=TRUE),AND(ISNUMBER('Existing debt'!E11)=TRUE,'Existing debt'!E11>0,ISBLANK('Existing debt'!G11)=TRUE),),\"NOTE! Ensure you enter debt details for your rental property/ies\",\"\")","v":""}]
[null,"Number of existing loans",null,null,null,null,{"$f":"COUNTIFS('Existing debt'!E16:E24,\">0\")+COUNTIFS('Existing debt'!E6:E11,\">0\")","v":0},"Total existing monthly commitment",null,null,null,{"$f":"SUM('Existing debt'!H16:H24)+SUM('Existing debt'!H6:H11)","v":0},null,"NOTE: non-credit card"]
[]
[]
[null,"Loan Details"]
[null,null,null,null,null,null,null,{"$f":"IF(F70=\"ProPack\",\"Applying for Master Limit?\",\"\")","v":""}]
[null,null,null,null,"Splits*","Package*",null,null,null,"Monthly repayments",null,null,"LVR","FHB?","LMI to be capitalised?"]
[null,null,"Term (yrs)*",null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!C32=\"No\",TEXT('New loan details & repayments'!J14,\"$#,##0\") & \" per month\",TEXT('New loan details & repayments'!L14,\"$#,##0\") & \" per month\")","v":"$0 per month"},null,null,{"$f":"IFERROR('New loan details & repayments'!C24,\"\")","v":0}]
[null,null,"Loan amount",{"$f":"SUM(E73:F82)","v":0},"        Enter each split's current applicable interest rate noting the package, loan amt, LVR, purpose, etc"]
[null,null,null,null,"Amount*",null,"Purpose*",null,"Product*",null,null,"Type*",{"$f":"IF(COUNTIF(L73:L82,\"IO\")>0,\"IO term (yrs)\",\"\")","v":""},"Enter rate*","Split repayment"]
[null,null,null,"Split 1",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!$C$32=\"Yes\",'New loan details & repayments'!L4,'New loan details & repayments'!J4)","v":0},null,null,{"$f":"IF(AND(M73>5,$F$70<>\"ProPack\",I73<>\"Line of Credit\"),\"Max IO period is 5yrs\",IF(AND(I73=\"Construction\",M73>2),\"Max IO period is 2yrs\",IF(M73>10,\"Max IO period is 10yrs\",\"\")))","v":""}]
[null,null,null,"Split 2",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!$C$32=\"Yes\",'New loan details & repayments'!L5,'New loan details & repayments'!J5)","v":0},null,null,{"$f":"IF(AND(M74>5,$F$70<>\"ProPack\",I74<>\"Line of Credit\"),\"Max IO period is 5yrs\",IF(AND(I74=\"Construction\",M74>2),\"Max IO period is 2yrs\",IF(M74>10,\"Max IO period is 10yrs\",\"\")))","v":""}]
[null,null,null,"Split 3",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!$C$32=\"Yes\",'New loan details & repayments'!L6,'New loan details & repayments'!J6)","v":0},null,null,""]
[null,null,null,"Split 4",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!$C$32=\"Yes\",'New loan details & repayments'!L7,'New loan details & repayments'!J7)","v":0},null,null,""]
[null,null,null,"Split 5",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!$C$32=\"Yes\",'New loan details & repayments'!L8,'New loan details & repayments'!J8)","v":0},null,null,""]
[null,null,null,"Split 6",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!$C$32=\"Yes\",'New loan details & repayments'!L9,'New loan details & repayments'!J9)","v":0},null,null,""]
[null,null,null,"Split 7",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!$C$32=\"Yes\",'New loan details & repayments'!L10,'New loan details & repayments'!J10)","v":0},null,null,""]
[null,null,null,"Split 8",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!$C$32=\"Yes\",'New loan details & repayments'!L11,'New loan details & repayments'!J11)","v":0},null,null,""]
[null,null,null,"Split 9",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!$C$32=\"Yes\",'New loan details & repayments'!L12,'New loan details & repayments'!J12)","v":0},null,null,""]
[null,null,null,"Split 10",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('New loan details & repayments'!$C$32=\"Yes\",'New loan details & repayments'!L13,'New loan details & repayments'!J13)","v":0},null,null,""]
[]
[]
[null,"LMI"]
[null,null,null,null,{"$f":"IFERROR(IF(M70<=80%,\"LVR is less than or equal to 80%; no LMI payable\",IF(AND('New loan details & repayments'!C27=\"OO\",M70>90%),\"OO purpose loan - LVR is greater than 90% before LMI added; LMI will not be provided\",IF(AND('New loan details & repayments'!C27=\"INV\",'New loan details & repayments'!C25>90%),\"Adding LMI takes LVR over 90%, or LVR is already over 90%; this is outside appetite for INV\",\"\"))),\"\")","v":"LVR is less than or equal to 80%; no LMI payable"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(SUM(E94:F99)=0,\"NOTE! Security value/s required to calculate LVR & LMI\",\"\")","v":"NOTE! Security value/s required to calculate LVR & LMI"}]
[null,null,null,null,"Approx. LMI","Revised loan amount",null,"Revised LVR",null,null,"Revised monthly repayments"]
[null,null,null,null,{"$f":"IFERROR(IF(E86=\"\",'New loan details & repayments'!C17,\"n/a\"),\"\")","v":"n/a"},{"$f":"IFERROR(IF(E86=\"\",D71+E88,\"n/a\"),\"\")","v":"n/a"},null,{"$f":"IFERROR(IF(E86=\"\",'New loan details & repayments'!C25,\"n/a\"),\"\")","v":"n/a"},null,"----------------->",{"$f":"IFERROR(IF(AND(E86=\"\",'New loan details & repayments'!C32=\"Yes\"),TEXT('New loan details & repayments'!L14+'New loan details & repayments'!F20,\"$#,##0\")&\" per month\",IF(AND(E86=\"\",'New loan details & repayments'!C32=\"No\"),TEXT('New loan details & repayments'!J14+'New loan details & repayments'!F20,\"$#,##0\")&\" per month\",\"n/a\")),\"\")","v":"n/a"}]
[null,null,null,null,"NOTE: LMI is an approximate only. The official Genworth calculator will be the source of truth"]
[]
[null,"      Security Details"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Postcode LMI restricted?",null,null,null,null,{"$f":"IF(COUNTIF(J94:J99,\"Yes\")>0,\"NOTE! High density apartments may be subject to 80% LVR\",\"\")","v":""}]
[null,null,"No. securities*",null,"Value*",null,"Post Code*","Apt/Unit*",null,"High Density","Zone",null,null,{"$f":"IF(COUNTIF(M94:M99,\"Yes\")>0,\"Note!\",\"\")","v":""}]
[null,null,null,"Security 1*",null,null,null,null,null,{"$f":"IF(G94=\"\",\"\",IF(H94=\"No\",\"No\",IF(COUNTIF('Zoning & Postcodes'!J:J,'Customer view page'!G94)>0,\"Yes\",\"No\")))","v":""},{"$f":"IF(G94=\"\",\"\",VLOOKUP(G94,'Zoning & Postcodes'!$B:$F,5,0))","v":""},null,{"$f":"IF(G94=\"\",\"\",IF(COUNTIF('Zoning & Postcodes'!$H$1:$H$76,'Customer view page'!G94)>0,\"Yes\",\"No\"))","v":""},{"$f":"IF(M94=\"Yes\",\"LMI restricted. Refer to BDM\",\"\")","v":""}]
[null,null,null,"Security 2",null,null,null,null,null,{"$f":"IF(G95=\"\",\"\",IF(H95=\"No\",\"No\",IF(COUNTIF('Zoning & Postcodes'!J:J,'Customer view page'!G95)>0,\"Yes\",\"No\")))","v":""},{"$f":"IF(G95=\"\",\"\",VLOOKUP(G95,'Zoning & Postcodes'!$B:$F,5,0))","v":""},null,{"$f":"IF(G95=\"\",\"\",IF(COUNTIF('Zoning & Postcodes'!$H$1:$H$72,'Customer view page'!G95)>0,\"Yes\",\"No\"))","v":""},{"$f":"IF(M95=\"Yes\",\"LMI restricted. Refer to BDM\",\"\")","v":""}]
[null,null,null,"Security 3",null,null,null,null,null,{"$f":"IF(G96=\"\",\"\",IF(H96=\"No\",\"No\",IF(COUNTIF('Zoning & Postcodes'!J:J,'Customer view page'!G96)>0,\"Yes\",\"No\")))","v":""},{"$f":"IF(G96=\"\",\"\",VLOOKUP(G96,'Zoning & Postcodes'!$B:$F,5,0))","v":""},null,{"$f":"IF(G96=\"\",\"\",IF(COUNTIF('Zoning & Postcodes'!$H$1:$H$72,'Customer view page'!G96)>0,\"Yes\",\"No\"))","v":""},""]
[null,null,null,"Security 4",null,null,null,null,null,{"$f":"IF(G97=\"\",\"\",IF(H97=\"No\",\"No\",IF(COUNTIF('Zoning & Postcodes'!J:J,'Customer view page'!G97)>0,\"Yes\",\"No\")))","v":""},{"$f":"IF(G97=\"\",\"\",VLOOKUP(G97,'Zoning & Postcodes'!$B:$F,5,0))","v":""},null,{"$f":"IF(G97=\"\",\"\",IF(COUNTIF('Zoning & Postcodes'!$H$1:$H$72,'Customer view page'!G97)>0,\"Yes\",\"No\"))","v":""},""]
[null,null,null,"Security 5",null,null,null,null,null,{"$f":"IF(G98=\"\",\"\",IF(H98=\"No\",\"No\",IF(COUNTIF('Zoning & Postcodes'!J:J,'Customer view page'!G98)>0,\"Yes\",\"No\")))","v":""},{"$f":"IF(G98=\"\",\"\",VLOOKUP(G98,'Zoning & Postcodes'!$B:$F,5,0))","v":""},null,{"$f":"IF(G98=\"\",\"\",IF(COUNTIF('Zoning & Postcodes'!$H$1:$H$72,'Customer view page'!G98)>0,\"Yes\",\"No\"))","v":""},""]
[null,null,null,"Security 6",null,null,null,null,null,{"$f":"IF(G99=\"\",\"\",IF(H99=\"No\",\"No\",IF(COUNTIF('Zoning & Postcodes'!J:J,'Customer view page'!G99)>0,\"Yes\",\"No\")))","v":""},{"$f":"IF(G99=\"\",\"\",VLOOKUP(G99,'Zoning & Postcodes'!$B:$F,5,0))","v":""},null,{"$f":"IF(G99=\"\",\"\",IF(COUNTIF('Zoning & Postcodes'!$H$1:$H$72,'Customer view page'!G99)>0,\"Yes\",\"No\"))","v":""},""]
[]
[null,{"$f":"IF('All data points & rules'!F49=\"Y\",'All data points & rules'!B51,\"\")","v":"To get servicing outcome, information is still needed from some applicants:            relationship status            spouse option            expenses"}]
[null,"Assessment of Serviceability"]
[null,null,null,null,null,null,{"$f":"IF(OR(E111=0,E111=\"\",E118=0,E118=\"\"),\"NOTE! New loan and/or security details required\",\"\")","v":"NOTE! New loan and/or security details required"}]
[null,null,"Monthly serviceability summary",null,null,null,null,null,null,null,null,"Other information"]
[]
[null,null,null,"Net adjusted income",{"$f":"IFERROR('Serviceability calculations'!C67,\"\")","v":0},{"$f":"IF('Serviceability calculations'!H29>0,\"incl. negative gearing\",\"\")","v":""},null,null,null,null,null,"Predominant purpose",null,{"$f":"IFERROR('New loan details & repayments'!C27 & \"/\" & 'New loan details & repayments'!C28,\"\")","v":"/"}]
[null,null,null,"Existing debt commitments",{"$f":"'Serviceability calculations'!C70","v":0},{"$f":"IFERROR(IF('Serviceability calculations'!H40>0,\"HECS adjusted in income\",\"\"),\"\")","v":""},null,null,null,null,null,"Max loan (LVR)",null,{"$f":"'New loan details & repayments'!I19","v":0}]
[null,null,null,"Net expenses ",{"$f":"'Serviceability calculations'!C72+'Serviceability calculations'!C73","v":0},null,null,null,null,null,null,"Max loan (NMS)",null,{"$f":"IFERROR('New loan details & repayments'!I26,\"\")","v":""}]
[null,null,null,"Net disposable income",{"$f":"IF(OR(E106=0,E106=\"\",E108=0,E108=\"\"),\"\",IFERROR(E106-E107-E108,\"\"))","v":""},null,{"$f":"IF(OR(E114=\"\",E116=0,E116=\"\",E118=\"\",E118=0,E111=0,E111=\"\"),\"UNFINISHED\",IFERROR(IF(AND('New loan details & repayments'!C27=\"OO\",COUNTIF('All data points & rules'!B17:B22,\"N\")>0),\"FAILED\",IF(AND('New loan details & repayments'!C27=\"INV\",COUNTIF('All data points & rules'!B29:B33,\"N\")>0),\"FAILED\",IF(AND('All data points & rules'!B20=\"N\",'All data points & rules'!B32=\"N\"),\"\",\"PASSED\"))),\"\"))","v":"UNFINISHED"},null,null,null,null,"Max loan (DTI<8)",null,{"$f":"'New loan details & repayments'!I38","v":0}]
[]
[null,null,"New loan repayments w/ buffer",null,{"$f":"IFERROR('Serviceability calculations'!C69,\"\")","v":0},{"$f":"IF('New loan details & repayments'!C16=TRUE,\"incl. LMI\",\"\")","v":""},null,null,null,null,null,"Approximate LMI",null,{"$f":"'New loan details & repayments'!C17","v":0}]
[null,null,"Repayment factored rate",null,{"$f":"IF(SUM(N73:N82)=0,\"\",IFERROR('New loan details & repayments'!F18,\"\"))","v":""}]
[null,null,null,null,null,null,{"$f":"IFERROR(IF(G109=\"PASSED\",\"Based on the provided information, AMP Bank will accept this application. \nPlease ensure the information inputted to ApplyOnline matches this calculator.\",IF(AND(G109=\"FAILED\",'New loan details & repayments'!C27=\"OO\"),'All data points & rules'!B23,IF(AND(G109=\"FAILED\",'New loan details & repayments'!C27=\"INV\"),'All data points & rules'!B34,\"\"))),\"\")","v":""},null,null,null,null,null,"Click below to calculate the First Home Buyer Family Guarantee amount and applicability."]
[null,null,null,"NMS",{"$f":"IFERROR(E109-E111,\"\")","v":""}]
[]
[null,null,null,"DTI",{"$f":"IFERROR('Serviceability calculations'!G81,\"\")","v":0}]
[]
[null,null,null,"LVR",{"$f":"IFERROR('New loan details & repayments'!C24,\"\")","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Internal use only"]
[null,"NOTE: please upload this excel workbook into Apply Online as part of the application submission. The workbook may need to be closed before uploading."]
[null,null,null,null,"Apply Online data entry for income (gross annual amounts)"]
[null,null,null,null,{"$f":"E59","v":"Applicant 1"},null,{"$f":"G59","v":"N/A"},null,{"$f":"I59","v":"N/A"},null,{"$f":"K59","v":"N/A"},null,null,{"$f":"N59","v":"N/A"},{"$f":"IF($C$7>4,\"Applicant 5\",\"\")","v":""}]
[null,null,null,"Annual base salary (PAYG)",{"$f":"'Serviceability calculations'!C17","v":0},null,{"$f":"'Serviceability calculations'!D17","v":0},null,{"$f":"'Serviceability calculations'!E17","v":0},null,{"$f":"'Serviceability calculations'!F17","v":0},null,null,{"$f":"'Serviceability calculations'!G17","v":0}]
[null,null,null,"Annual base salary (self-employed)",{"$f":"'Serviceability calculations'!C23","v":0},null,{"$f":"'Serviceability calculations'!D23","v":0},null,{"$f":"'Serviceability calculations'!E23","v":0},null,{"$f":"'Serviceability calculations'!F23","v":0},null,null,{"$f":"'Serviceability calculations'!G23","v":0}]
[null,null,null,"Annual bonus",{"$f":"E35+'Income assessor'!$R$5+'Income assessor (2)'!$R$5","v":0},null,{"$f":"G35+'Income assessor'!$R$6+'Income assessor (2)'!$R$6","v":0},null,{"$f":"I35+'Income assessor'!$R$7+'Income assessor (2)'!$R$7","v":0},null,{"$f":"K35+'Income assessor'!$R$8+'Income assessor (2)'!$R$8","v":0},null,null,{"$f":"N35+'Income assessor'!$R$9+'Income assessor (2)'!$R$9","v":0}]
[null,null,null,"Annual commission",{"$f":"IFERROR('Income assessor'!$AW$5+'Income assessor (2)'!$AW$5+('Customer view page'!E32*VLOOKUP(E17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(E15,'All data points & rules'!$L$38:$M$42,2,0)),0)","v":0},null,{"$f":"IFERROR('Income assessor'!$AW$6+'Income assessor (2)'!$AW$6+('Customer view page'!G32*VLOOKUP(G17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(G15,'All data points & rules'!$L$38:$M$42,2,0)),0)","v":0},null,{"$f":"IFERROR('Income assessor'!$AW$7+'Income assessor (2)'!$AW$7+('Customer view page'!I32*VLOOKUP(I17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(I15,'All data points & rules'!$L$38:$M$42,2,0)),0)","v":0},null,{"$f":"IFERROR('Income assessor'!$AW$8+'Income assessor (2)'!$AW$8+('Customer view page'!K32*VLOOKUP(K17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(K15,'All data points & rules'!$L$38:$M$42,2,0)),0)","v":0},null,null,{"$f":"IFERROR('Income assessor'!$AW$9+'Income assessor (2)'!$AW$9+('Customer view page'!N32*VLOOKUP(N17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(N15,'All data points & rules'!$L$38:$M$42,2,0)),0)","v":0}]
[null,null,null,"Annual overtime (non-essential services)",{"$f":"'Income assessor'!$AX$5+'Income assessor (2)'!$AX$5+IF(E16=\"No\",'Customer view page'!$E$31*VLOOKUP(E17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(E15,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"'Income assessor'!$AX$6+'Income assessor (2)'!$AX$6+IF(G16=\"No\",'Customer view page'!$G$31*VLOOKUP(G17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(G15,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"'Income assessor'!$AX$7+'Income assessor (2)'!$AX$7+IF(I16=\"No\",'Customer view page'!$I$31*VLOOKUP(I17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(I15,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"'Income assessor'!$AX$8+'Income assessor (2)'!$AX$8+IF(K16=\"No\",'Customer view page'!$K$31*VLOOKUP(K17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(K15,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,null,{"$f":"'Income assessor'!$AX$9+'Income assessor (2)'!$AX$9+IF(N16=\"No\",'Customer view page'!$N$31*VLOOKUP(N17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(N15,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0}]
[null,null,null,"Annual overtime (essential services)",{"$f":"'Income assessor'!$AY$5+'Income assessor (2)'!$AY$5+IF(E16=\"Yes\",'Customer view page'!$E$31*VLOOKUP(E17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(E15,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"'Income assessor'!$AY$6+'Income assessor (2)'!$AY$6+IF(G16=\"Yes\",'Customer view page'!$G$31*VLOOKUP(G17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(G15,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"'Income assessor'!$AY$7+'Income assessor (2)'!$AY$7+IF(I16=\"Yes\",'Customer view page'!$I$31*VLOOKUP(I17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(I15,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"'Income assessor'!$AY$8+'Income assessor (2)'!$AY$8+IF(K16=\"Yes\",'Customer view page'!$K$31*VLOOKUP(K17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(K15,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,null,{"$f":"'Income assessor'!$AY$9+'Income assessor (2)'!$AY$9+IF(N16=\"Yes\",'Customer view page'!$N$31*VLOOKUP(N17,'All data points & rules'!$L$31:$N$36,2,0)*VLOOKUP(N15,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0}]
[null,null,null,"Annual investment",{"$f":"'Income assessor'!$AZ$5+'Income assessor (2)'!$AZ$5+'Customer view page'!E36","v":0},null,{"$f":"'Income assessor'!$AZ$6+'Income assessor (2)'!$AZ$6+'Customer view page'!G36","v":0},null,{"$f":"'Income assessor'!$AZ$7+'Income assessor (2)'!$AZ$7+'Customer view page'!I36","v":0},null,{"$f":"'Income assessor'!$AZ$8+'Income assessor (2)'!$AZ$8+'Customer view page'!K36","v":0},null,null,{"$f":"'Income assessor'!$AZ$9+'Income assessor (2)'!$AZ$9+'Customer view page'!N36","v":0}]
[null,null,null,"Foreign income",{"$f":"'Foreign Income'!D5","v":0},null,{"$f":"'Foreign Income'!D6","v":0},null,{"$f":"'Foreign Income'!D7","v":0},null,{"$f":"'Foreign Income'!D8","v":0},null,null,{"$f":"'Foreign Income'!D9","v":0}]
[null,null,null,"Non-taxed income (enter as annuity)",{"$f":"'Serviceability calculations'!C47","v":0},null,{"$f":"'Serviceability calculations'!D47","v":0},null,{"$f":"'Serviceability calculations'!E47","v":0},null,{"$f":"'Serviceability calculations'!F47","v":0},null,null,{"$f":"'Serviceability calculations'!G47","v":0}]

{"sheet":"ProcessDoc","index":3,"n_rows":62,"n_cols":1,"rows_kept":62,"cut":false,"hidden":false,"merged":[]}
[]
[]
["From: Hanh Tran <Hanh_Tran@ampbanking.com.au>"]
["Sent: Friday, 9 December 2022 12:19 PM"]
["To: Evan Hughes <Evan_Hughes@ampbanking.com.au>"]
["Subject: AMP Bank Serviceability Calculator - Process"]
[]
["Hi Evan,"]
[]
["Thanks again for your time to give me a run down of the process for the Serviceability Calculator changes."]
[]
["At some point (in the new year), I will document this/create a process in Confluence as you suggested."]
[]
["Process notes below, let me know if I’ve missed anything, thanks again!"]
[]
[]
["Calculator Ownership: David Melville’s replacement or Kerry Roberts (To be confirmed)"]
["Stakeholder Sign Off Required: Evan Hughes (as current, delegate for David Melville) & Change Requestor"]
["Working Folder Location: S:\\CR,Credit&Risk\\A - Control Documents\\AMP Bank Calculators\\Current\\Bank Serviceability Calculator\\New Version - August 2022"]
[]
["Process:"]
["1. Create a copy of the previous version, rename with version as VYY.VersionSequence#"]
["2. Make edits"]
["a. Update Version Number (cell O3)"]
["b. Ensure Version Log has been recorded"]
["c. Test macros are working correctly (Clear All, Print Assessment, Number of Applicants, GoTo Sheets etc)"]
["d. Click Publish and Save"]
["3. Request stakeholders to test and sign off"]
["4. Release/Distribution:"]
["a. To upload to Apply Online, Distributor Centre & Aggregator distribution:"]
["                                                               i.      Save a copy of the final version to S:\\Common\\AMP Bank Calculators\\Queue\\For Upload\\"]
["                                                             ii.      Email as below to request to upload/distribute"]
["To: Graeme Holmes (Customer Experience & Communications Manager, AMP Bank Business Management), Bronte Doyle (Pricing & Product Analyst – Mortgages, Mortgage Product)"]
["CC: Kerry Roberts (Mortgage Product Manager New Business, Mortgage Product), Matthew Davies (?), Evan Hughes (as current delegate for David Melville’s role)"]
["b. To Genworth Mortgage Insurers (if the changes impact the Serviceability Calculations)"]
["                                                               i.      Email a copy of the calculator:"]
["To: ContinuousImprovementAU@genworth.com"]
["CC: Evan Hughes (as current delegate for David Melville’s role)"]
["c. To Finsure (Aggregator) to update their system (if the changes impact the Serviceability Calculations)"]
["                                                               i.      Unlock calculator"]
["                                                             ii.      Replace LMI rate card values with dummy data"]
["                                                           iii.      Email To: products@infynity.com.au"]
["CC: Evan Hughes (as current delegate for David Melville’s role)"]
["5. Communication"]
["a. Email BDM/Sales Team, Lending Operations"]
["b. Consider Bank Bulletin updates if changes are notable"]
[]
[]
[]
["From: Evan Hughes <Evan_Hughes@ampbanking.com.au>"]
["Sent: Sunday, 11 December 2022 11:51 AM"]
["To: Hanh Tran <Hanh_Tran@ampbanking.com.au>"]
["Subject: RE: AMP Bank Serviceability Calculator - Process"]
[]
["HI Hahn!"]
[]
["Perfect! I’d just add that before you save and close it ready to publish, check through each of the sheets to make sure buttons are working, pages are in the right position, etc."]
[]
["And you can remove Matt Davies, he’s now left 😊"]
[]
["Thanks,"]
["Ev"]

{"sheet":"All data points & rules","index":4,"n_rows":51,"n_cols":20,"rows_kept":51,"cut":false,"hidden":true,"merged":[[14,7,14,9],[1,11,1,13],[18,11,18,12],[38,7,38,9],[0,18,0,19],[0,15,0,16],[1,7,1,9],[0,7,0,13],[38,0,38,5],[21,2,21,5],[0,3,0,5],[14,0,14,4],[0,0,0,1],[22,1,25,4],[33,1,36,4],[22,0,25,0],[33,0,36,0]]}
["Key requirements & rules",null,null,"Assessment rates",null,null,null,"Income",null,null,null,null,null,null,null,"Stamp duty rates",null,null,"Other"]
["OO loans: maximum LVR (+ LMI)",0.9,null,null,"Repayment assessment rate (RAR)",6.5000000000000002E-2,null,"Income tax brackets",null,null,null,"Rental income allowed",null,null,null,"State","Rate",null,"Minimum rent/board amount",650]
["INV loans: maximum LVR (incl LMI)",0.9,null,null,"Repayment buffer rate",0.03,null,"Min","Max",null,null,{"$f":"M3&\" (\"&N3*100&\"%)\"","v":"Residential Investment (80%)"},"Residential Investment",0.8,null,"ACT",0,null,"Family guarantee max",0.8]
["NMS must be greater than $0",0,null,null,"Discount off RAR for interest expense assessment rate",2.1299999999999999E-2,null,0.01,18200,0,null,"Service Apartment & Short Term (Airbnb, Stayz, etc) - Active Lease/Income Statements (65%)","Service Apartment & Short Term (Airbnb, Stayz, etc) - Active Lease/Income Statements",0.65,null,"NSW",0,null,"Family guarantee equity max",0.5]
["NMS minimum if DTI >=6 (OO)",200,null,null,"Interest expenses assessment rate",null,null,18200.009999999998,45000,0.16,null,"Service Apartment & Short Term (Airbnb, Stayz, etc) - 3rd Party Estimate (80%)","Service Apartment & Short Term (Airbnb, Stayz, etc) - 3rd Party Estimate",0.8,null,"NT",0.1]
["NMS minimum if DTI >=6 (INV)",200,null,null,"Credit card limit factoring (monthly commitment)",3.7999999999999999E-2,null,45000.01,135000,0.3,null,"Commercial / Industrial / Non-Residential - Active Lease/Income Statements (65%)","Commercial / Industrial / Non-Residential - Active Lease/Income Statements",0.65,null,"QLD",0.09]
["For OO loans, if LVR (incl LMI) is greater than:",0.9,null,null,"Maximum Rental Yield",0.06,null,135000,190000,0.37,null,null,null,null,null,"QLD-R",0.09]
["the NMS must be greater than",500,null,null,null,null,null,190000,"-",0.45,null,null,null,null,null,"SA",0.11]
["Min LVR before LMI applies",0.8,null,null,null,null,null,null,null,null,null,null,null,null,null,"TAS",0.1]
["Maximum DTI (must be below)",8,null,null,null,null,null,"Medicare rate",0.02,null,null,null,null,null,null,"VIC",0.1]
["If DTI is greater than or equal to:",6,null,null,null,null,null,"Medicare lower",24276,null,null,null,null,null,null,"WA",0.1]
["LVR must be less than or equal to",0.8,null,null,null,null,null,"Medicare upper",30345]
["Maximum LVR for an IO loan (if not Construc)",0.8]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"M14&\" (\"&N14*100&\"%)\"","v":"Domestic (100%)"},"Domestic",1]
["Rule checks & error messages",null,null,null,null,null,null,"HECS brackets",null,null,null,{"$f":"M15&\" (\"&N15*100&\"%)\"","v":"Foreign Tier 1 (80%)"},"Foreign Tier 1",0.8]
["If OO loan, rules to measure are","MEETS?","Fail message",null,null,null,null,"Min","Max",null,null,{"$f":"M16&\" (\"&N16*100&\"%)\"","v":"Foreign Tier 2 (50%)"},"Foreign Tier 2",0.5]
["Maximum LVR is 90% + LMI",{"$f":"IF('New loan details & repayments'!C24<=B2,\"Y\",\"N\")","v":"Y"},"the maximum LVR for Owner Occupier loans is 90% + LMI",null,null,null,null,0,54435,0]
["For IO loan (excl construc), maximum LVR is 80%",{"$f":"IF(OR('New loan details & repayments'!C29=\"N\",'New loan details & repayments'!C30=\"Y\"),\"Y\",IF(AND('New loan details & repayments'!C29=\"Y\",'New loan details & repayments'!C24<=B13),\"Y\",\"N\"))","v":"Y"},"the maximum LVR for IO loans is 80% (excl. Construction)",null,null,null,null,{"$f":"I17+0.1","v":54435.1},62850,0.01]
["Maximum DTI is 8",{"$f":"IF('Serviceability calculations'!G81<B10,\"Y\",\"N\")","v":"Y"},"the DTI for all loans must be below 8",null,null,null,null,62850.1,66620,0.02,null,"Non-base income allowed"]
["NMS must be >0 (all scenarios, incl below)",{"$f":"IF('Serviceability calculations'!C74>B4,\"Y\",\"N\")","v":"N"},"the NMS must be greater than $0",null,null,null,null,66620.100000000006,70618,2.5000000000000001E-2,null,"Foreign income allowed (tier 1)",0.8]
["If DTI >=6, NMS must be >200 & LVR must be <=80",{"$f":"IF('Serviceability calculations'!G81<B11,\"Y\",IF(AND('Serviceability calculations'!G81>=B11,'Serviceability calculations'!G81<B10,'New loan details & repayments'!C24<=B12,'Serviceability calculations'!C74>B5),\"Y\",\"N\"))","v":"Y"},"if the DTI is >=6, NMS must be >$200 & LVR must be <=80% (OO purpose)",null,null,null,null,70618.100000000006,74855,0.03,null,"Foreign income allowed (tier 2)",0.5]
["If LVR >90% (incl LMI), NMS must be >500",{"$f":"IF('New loan details & repayments'!C16=FALSE,\"Y\",IF('New loan details & repayments'!C25<=B7,\"Y\",IF(AND('New loan details & repayments'!C25>B7,'Serviceability calculations'!C74>B8),\"Y\",\"N\")))","v":"Y"},"if the LVR for Owner Occupier loans is >90% when including LMI, NMS must be >$500.",null,null,null,null,74855.100000000006,79346,3.5000000000000003E-2,null,"Commission",0.8]
["Combined fail message\n(NOTE: if any of first 4 fail, the bottom 2 won't matter)",{"$f":"\"Reasons for failure: \" & IF(B17=\"N\",C17 & \"; \",\"\") & IF(B18=\"N\",C18 & \"; \",\"\") & IF(B19=\"N\",C19 & \"; \",\"\") & IF(B20=\"N\",C20 & \"; \",\"\") & IF(AND(COUNTIF(B17:B20,\"Y\")=4,B21=\"N\"),C21 & \"; \",\"\") & IF(AND(COUNTIF(B17:B20,\"Y\")=4,B22=\"N\"),C22,\"\")","v":"Reasons for failure: the NMS must be greater than $0; "},null,null,null,null,null,79346.100000000006,84107,0.04,null,"Commission (essential - NOT IN USE)",1]
[null,null,null,null,null,null,null,84107.1,89154,4.4999999999999998E-2,null,"Overtime (non-essential)",0.8]
[null,null,null,null,null,null,null,89154.1,94503,0.05,null,"Overtime (essential)",1]
[null,null,null,null,null,null,null,94503.1,100174,5.5E-2,null,"Investment income",0.8]
[null,null,null,null,null,null,null,100174.1,106185,0.06,null,"Bonus allowance (first $50k)",50000,0.8]
["If INV loan, rules to measure are","MEETS?","Fail message",null,null,null,null,106185.1,112556,6.5000000000000002E-2,null,"Bonus allowance (over $50k)",null,0.8]
["Maximum LVR is 90% incl LMI",{"$f":"IF(AND('New loan details & repayments'!C16=TRUE,'New loan details & repayments'!C25<='All data points & rules'!B3),\"Y\",IF(AND('New loan details & repayments'!C16=FALSE,'New loan details & repayments'!C24<='All data points & rules'!B3),\"Y\",\"N\"))","v":"Y"},"the maximum LVR for Investment loans is 90% incl LMI",null,null,null,null,112556.1,119309,7.0000000000000007E-2]
["For IO loan (excl construc), maximum LVR is 80%",{"$f":"IF(OR('New loan details & repayments'!C29=\"N\",'New loan details & repayments'!C30=\"Y\"),\"Y\",IF(AND('New loan details & repayments'!C29=\"Y\",'New loan details & repayments'!C24<=B13),\"Y\",\"N\"))","v":"Y"},"the maximum LVR for IO loans is 80% (excl. Construction)",null,null,null,null,119309.1,126467,7.4999999999999997E-2]
["Maximum DTI is 8",{"$f":"IF('Serviceability calculations'!G81<B10,\"Y\",\"N\")","v":"Y"},"the DTI for all loans must be below 8",null,null,null,null,126467.1,134056,0.08,null,"Pay cycle","Number payments","Days"]
["NMS must be >0 (all scenarios, incl below)",{"$f":"IF('Serviceability calculations'!C74>B4,\"Y\",\"N\")","v":"N"},"the NMS must be greater than $0",null,null,null,null,134056.1,142100,8.5000000000000006E-2,null,"Annually",1,365]
["If DTI >=6, NMS must be > 200 & LVR must be <=80",{"$f":"IF('Serviceability calculations'!G81<B11,\"Y\",IF(AND('Serviceability calculations'!G81>=B11,'Serviceability calculations'!G81<B10,'New loan details & repayments'!C24<=B12,'Serviceability calculations'!C74>B6),\"Y\",\"N\"))","v":"Y"},"if the DTI is >=6, NMS must be >$200 & LVR must be <=80% (INV purpose)",null,null,null,null,142100.1,150626,0.09,null,"Monthly",12,31]
["Combined fail message\n(NOTE: if any of first 3 fail, the bottom 2 won't matter)",{"$f":"\"Reasons for failure: \" & IF(B29=\"N\",C29 & \"; \",\"\") & IF(B30=\"N\",C30 & \"; \",\"\") & IF(B31=\"N\",C31 & \"; \",\"\") & IF(AND(COUNTIF(B29:B31,\"Y\")=3,B32=\"N\"),C32 & \"; \",\"\") & IF(AND(COUNTIF(B29:B31,\"Y\")=3,B33=\"N\"),C33,\"\")","v":"Reasons for failure: the NMS must be greater than $0; "},null,null,null,null,null,150626.1,159663,9.5000000000000001E-2,null,"Bi-monthly",24,16]
[null,null,null,null,null,null,null,159663.1,99999999,0.1,null,"F/nightly",26,14]
[null,null,null,null,null,null,null,null,null,null,null,"Weekly",52,7]
[null,null,null,null,null,null,null,"Min Super contrib Current Year",{"$f":"I44","v":0.115}]
[null,null,null,null,null,null,null,null,null,null,null,"Pay cycle","Weighting"]
["Information that must be filled in before result provided (if PAYG)",null,null,null,null,null,null,"Min Super contrib",null,null,null,"Full-time",1]
["Item","Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5",null,"Year","Min SG",null,null,"Part-time",1]
["PAYG?",{"$f":"IF(OR('Customer view page'!E22>0,'Customer view page'!E30>0),\"Y\",\"N\")","v":"N"},{"$f":"IF(OR('Customer view page'!G22>0,'Customer view page'!G30>0),\"Y\",\"N\")","v":"N"},{"$f":"IF(OR('Customer view page'!I22>0,'Customer view page'!I30>0),\"Y\",\"N\")","v":"N"},{"$f":"IF(OR('Customer view page'!K22>0,'Customer view page'!K30>0),\"Y\",\"N\")","v":"N"},{"$f":"IF(OR('Customer view page'!N22>0,'Customer view page'!N30>0),\"Y\",\"N\")","v":"N"},null,2022,0.1,null,null,"Casual",{"$f":"46/52","v":0.88461538461538458}]
["Name",{"$f":"IF('Customer view page'!E7=\"\",\"N\",\"Y\")","v":"N"},{"$f":"IF($C$49<2,\"N/A\",IF('Customer view page'!G7=\"\",\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<3,\"N/A\",IF('Customer view page'!I7=\"\",\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<4,\"N/A\",IF('Customer view page'!K7=\"\",\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<5,\"N/A\",IF('Customer view page'!N7=\"\",\"N\",\"Y\"))","v":"N/A"},null,2023,0.105,null,null,"Casual teacher",{"$f":"40/52","v":0.76923076923076927}]
["Status",{"$f":"IF('Customer view page'!E8=\"\",\"N\",\"Y\")","v":"N"},{"$f":"IF($C$49<2,\"N/A\",IF('Customer view page'!G8=\"\",\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<3,\"N/A\",IF('Customer view page'!I8=\"\",\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<4,\"N/A\",IF('Customer view page'!K8=\"\",\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<5,\"N/A\",IF('Customer view page'!N8=\"\",\"N\",\"Y\"))","v":"N/A"},null,2024,0.11]
["If couple, choose spouse option",{"$f":"IF('Customer view page'!E9=\"\",\"N\",\"Y\")","v":"N"},{"$f":"IF($C$49<2,\"N/A\",IF('Customer view page'!G9=\"\",\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<3,\"N/A\",IF('Customer view page'!I9=\"\",\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<4,\"N/A\",IF('Customer view page'!K9=\"\",\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<5,\"N/A\",IF('Customer view page'!N9=\"\",\"N\",\"Y\"))","v":"N/A"},null,2025,0.115]
["Employment type",{"$f":"IF(AND(B41=\"Y\",'Customer view page'!E15=\"\"),\"N\",\"Y\")","v":"Y"},{"$f":"IF($C$49<2,\"N/A\",IF(AND(C41=\"Y\",'Customer view page'!G15=\"\"),\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<3,\"N/A\",IF(AND(D41=\"Y\",'Customer view page'!I15=\"\"),\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<4,\"N/A\",IF(AND(E41=\"Y\",'Customer view page'!K15=\"\"),\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<5,\"N/A\",IF(AND(F41=\"Y\",'Customer view page'!N15=\"\"),\"N\",\"Y\"))","v":"N/A"},null,2026]
["Pay frequency",{"$f":"IF(AND(B41=\"Y\",'Customer view page'!E17=\"\"),\"N\",\"Y\")","v":"Y"},{"$f":"IF($C$49<2,\"N/A\",IF(AND(C41=\"Y\",'Customer view page'!G17=\"\"),\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<3,\"N/A\",IF(AND(D41=\"Y\",'Customer view page'!I17=\"\"),\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<4,\"N/A\",IF(AND(E41=\"Y\",'Customer view page'!K17=\"\"),\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<5,\"N/A\",IF(AND(F41=\"Y\",'Customer view page'!N17=\"\"),\"N\",\"Y\"))","v":"N/A"},null,2027]
["Expenses",{"$f":"IF('Monthly expenses'!D28+'Monthly expenses'!D31=0,\"N\",\"Y\")","v":"N"},{"$f":"IF($C$49<2,\"N/A\",IF('Monthly expenses'!D28+'Monthly expenses'!D31=0,\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<3,\"N/A\",IF('Monthly expenses'!D28+'Monthly expenses'!D31=0,\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<4,\"N/A\",IF('Monthly expenses'!D28+'Monthly expenses'!D31=0,\"N\",\"Y\"))","v":"N/A"},{"$f":"IF($C$49<5,\"N/A\",IF('Monthly expenses'!D28+'Monthly expenses'!D31=0,\"N\",\"Y\"))","v":"N/A"},null,2028]
[]
[null,"Applicants",{"$f":"'Customer view page'!C7","v":1},null,"Missing info",{"$f":"IF(COUNTIF(B43:F47,\"N\")>0,\"Y\",\"N\")","v":"Y"}]
[]
[null,{"$f":"\"To get servicing outcome, information is still needed from some applicants:            \" &  IF(COUNTIF(B43:F43,\"N\")>0,\"relationship status            \",\"\") & IF(COUNTIF(B44:F44,\"N\")>0,\"spouse option            \",\"\") & IF(COUNTIF(B45:F45,\"N\")>0,\"employment type            \",\"\") & IF(COUNTIF(B46:F46,\"N\")>0,\"pay frequency            \",\"\") &  IF(COUNTIF(B47:F47,\"N\")>0,\"expenses\",\"\")","v":"To get servicing outcome, information is still needed from some applicants:            relationship status            spouse option            expenses"}]

{"sheet":"Serviceability calculations","index":5,"n_rows":81,"n_cols":25,"rows_kept":81,"cut":false,"hidden":true,"merged":[[72,8,75,8],[64,1,64,2],[13,2,13,5],[14,2,15,2],[14,3,15,3],[14,4,15,4],[14,5,15,5],[14,7,15,7],[65,8,66,8],[67,8,70,8],[66,4,66,5],[64,4,64,6],[14,6,15,6],[13,18,13,24],[14,19,15,19],[14,20,15,20],[14,21,15,21],[14,22,15,22],[14,23,15,23],[11,2,11,3],[13,10,13,16],[14,11,15,11],[14,12,15,12],[14,13,15,13],[14,14,15,14],[14,15,15,15]]}
[null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5","Total"]
[null,"Basic info"]
[null,"Status",{"$f":"'Customer view page'!E8","v":0},{"$f":"'Customer view page'!G8","v":0},{"$f":"'Customer view page'!I8","v":0},{"$f":"'Customer view page'!K8","v":0},{"$f":"'Customer view page'!N8","v":0}]
[null,"Couple with",{"$f":"'Customer view page'!E9","v":0},{"$f":"'Customer view page'!G9","v":0},{"$f":"'Customer view page'!I9","v":0},{"$f":"'Customer view page'!K9","v":0},{"$f":"'Customer view page'!N9","v":0}]
[null,"Dependents",{"$f":"'Customer view page'!E10","v":0},{"$f":"'Customer view page'!G10","v":0},{"$f":"'Customer view page'!I10","v":0},{"$f":"'Customer view page'!K10","v":0},{"$f":"'Customer view page'!N10","v":0}]
[null,"HECS",{"$f":"IF('Customer view page'!E61>0,TRUE,FALSE)","v":false},{"$f":"IF('Customer view page'!G61>0,TRUE,FALSE)","v":false},{"$f":"IF('Customer view page'!I61>0,TRUE,FALSE)","v":false},{"$f":"IF('Customer view page'!K61>0,TRUE,FALSE)","v":false},{"$f":"IF('Customer view page'!N61>0,TRUE,FALSE)","v":false}]
[null,"Employee type",{"$f":"'Customer view page'!E15","v":0},{"$f":"'Customer view page'!G15","v":0},{"$f":"'Customer view page'!I15","v":0},{"$f":"'Customer view page'!K15","v":0},{"$f":"'Customer view page'!N15","v":0}]
[null,"Essential services",{"$f":"IF('Customer view page'!E16=\"Yes\",\"Yes\",\"No\")","v":"No"},{"$f":"IF('Customer view page'!G16=\"Yes\",\"Yes\",\"No\")","v":"No"},{"$f":"IF('Customer view page'!I16=\"Yes\",\"Yes\",\"No\")","v":"No"},{"$f":"IF('Customer view page'!K16=\"Yes\",\"Yes\",\"No\")","v":"No"},{"$f":"IF('Customer view page'!N16=\"Yes\",\"Yes\",\"No\")","v":"No"}]
[null,"Pay frequency",{"$f":"'Customer view page'!E17","v":0},{"$f":"'Customer view page'!G17","v":0},{"$f":"'Customer view page'!I17","v":0},{"$f":"'Customer view page'!K17","v":0},{"$f":"'Customer view page'!N17","v":0}]
[null,"No. of payments",{"$f":"IFERROR(VLOOKUP('Customer view page'!E17,'All data points & rules'!$L$31:$N$36,2,0),\"\")","v":""},{"$f":"IFERROR(VLOOKUP('Customer view page'!G17,'All data points & rules'!$L$31:$N$36,2,0),\"\")","v":""},{"$f":"IFERROR(VLOOKUP('Customer view page'!I17,'All data points & rules'!$L$31:$N$36,2,0),\"\")","v":""},{"$f":"IFERROR(VLOOKUP('Customer view page'!K17,'All data points & rules'!$L$31:$N$36,2,0),\"\")","v":""},{"$f":"IFERROR(VLOOKUP('Customer view page'!N17,'All data points & rules'!$L$31:$N$36,2,0),\"\")","v":""}]
[]
[null,"Income method",{"$f":"'Customer view page'!K19","v":"PAYG income assessor"}]
[]
[null,null,"Full serviceability assessment (NMS)",null,null,null,null,null,"NOTE. Please upload the serviceability calculator workbook to Apply Online. Do not upload this assessment sheet.",null,"Pre-discounted income used for DTI, HEM, AOL",null,null,null,null,null,null,null,"Deductions calculation"]
[null,null,{"$f":"C1","v":"Applicant 1"},{"$f":"D1","v":"Applicant 2"},"Applicant 3","Applicant 4","Applicant 5","Total",null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5",null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5"]
[null,"Annual income",null,null,null,null,null,null,"Notes/comments",null,null,null,null,null,null,null,"Total"]
[null,"Base salary",{"$f":"IFERROR('Customer view page'!E22+'Customer view page'!E30*'Serviceability calculations'!C10*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!G22+'Customer view page'!G30*'Serviceability calculations'!D10*VLOOKUP(D7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!I22+'Customer view page'!I30*'Serviceability calculations'!E10*VLOOKUP(E7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!K22+'Customer view page'!K30*'Serviceability calculations'!F10*VLOOKUP(F7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!N22+'Customer view page'!N30*'Serviceability calculations'!G10*VLOOKUP(G7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"SUM(C17:G17)","v":0},"Base salary via the income assessor OR manually given",null,"Gross salary (incl. non taxed)",{"$f":"C17+C47","v":0},{"$f":"D17+D47","v":0},{"$f":"E17+E47","v":0},{"$f":"F17+F47","v":0},{"$f":"G17+G47","v":0},{"$f":"SUM(L17:P17)","v":0},null,"Post-tax annual deductions",{"$f":"C48","v":0},{"$f":"D48","v":0},{"$f":"E48","v":0},{"$f":"F48","v":0},{"$f":"G48","v":0},{"$f":"SUM(T17:X17)","v":0}]
[null,"Commission/Overtime (income assess)",{"$f":"'Customer view page'!E23","v":0},{"$f":"'Customer view page'!G23","v":0},{"$f":"'Customer view page'!I23","v":0},{"$f":"'Customer view page'!K23","v":0},{"$f":"'Customer view page'!N23","v":0},{"$f":"SUM(C18:G18)","v":0},"Comm/Otime calculated via the income assessor",null,"Self-employed",{"$f":"IF('Customer view page'!E38=\"\",0,'Customer view page'!E38)","v":0},{"$f":"IF('Customer view page'!G38=\"\",0,'Customer view page'!G38)","v":0},{"$f":"IF('Customer view page'!I38=\"\",0,'Customer view page'!I38)","v":0},{"$f":"IF('Customer view page'!K38=\"\",0,'Customer view page'!K38)","v":0},{"$f":"IF('Customer view page'!N38=\"\",0,'Customer view page'!N38)","v":0},{"$f":"SUM(L18:P18)","v":0},null,"Post-tax monthly deductions",{"$f":"T17/12","v":0},{"$f":"U17/12","v":0},{"$f":"V17/12","v":0},0,0,{"$f":"SUM(T18:X18)","v":0}]
[null,"Commission (manual)",{"$f":"IFERROR('Customer view page'!E32*'All data points & rules'!$M$22*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0)*C10,0)","v":0},{"$f":"IFERROR('Customer view page'!G32*'All data points & rules'!$M$22*VLOOKUP(D7,'All data points & rules'!$L$38:$M$42,2,0)*D10,0)","v":0},{"$f":"IFERROR('Customer view page'!I32*'All data points & rules'!$M$22*VLOOKUP(E7,'All data points & rules'!$L$38:$M$42,2,0)*E10,0)","v":0},{"$f":"IFERROR('Customer view page'!K32*'All data points & rules'!$M$22*VLOOKUP(F7,'All data points & rules'!$L$38:$M$42,2,0)*F10,0)","v":0},{"$f":"IFERROR('Customer view page'!N32*'All data points & rules'!$M$22*VLOOKUP(G7,'All data points & rules'!$L$38:$M$42,2,0)*G10,0)","v":0},null,"Commission manually entered; discounted as per credit rules",null,"Commission/Overtime (income assess)",{"$f":"SUM('Income assessor'!AW5:AY5)+SUM('Income assessor (2)'!AW5:AY5)","v":0},{"$f":"SUM('Income assessor'!AW6:AY6)+SUM('Income assessor (2)'!AW6:AY6)","v":0},{"$f":"SUM('Income assessor'!AW7:AY7)+SUM('Income assessor (2)'!AW7:AY7)","v":0},{"$f":"SUM('Income assessor'!AW8:AY8)+SUM('Income assessor (2)'!AW8:AY8)","v":0},{"$f":"SUM('Income assessor'!AW9:AY9)+SUM('Income assessor (2)'!AW9:AY9)","v":0},{"$f":"SUM(L19:P19)","v":0},null,"Pre-tax annual deductions",{"$f":"C28","v":0},{"$f":"D28","v":0},{"$f":"E28","v":0},0,0,{"$f":"SUM(T19:X19)","v":0}]
[null,"Overtime (manual)",{"$f":"IFERROR('Customer view page'!E31*IF(C8=\"Yes\",'All data points & rules'!$M$25,'All data points & rules'!$M$24)*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0)*C10,0)","v":0},{"$f":"IFERROR('Customer view page'!G31*IF(D8=\"Yes\",'All data points & rules'!$M$25,'All data points & rules'!$M$24)*VLOOKUP(D7,'All data points & rules'!$L$38:$M$42,2,0)*D10,0)","v":0},{"$f":"IFERROR('Customer view page'!I31*IF(E8=\"Yes\",'All data points & rules'!$M$25,'All data points & rules'!$M$24)*VLOOKUP(E7,'All data points & rules'!$L$38:$M$42,2,0)*E10,0)","v":0},{"$f":"IFERROR('Customer view page'!K31*IF(F8=\"Yes\",'All data points & rules'!$M$25,'All data points & rules'!$M$24)*VLOOKUP(F7,'All data points & rules'!$L$38:$M$42,2,0)*F10,0)","v":0},{"$f":"IFERROR('Customer view page'!N31*IF(G8=\"Yes\",'All data points & rules'!$M$25,'All data points & rules'!$M$24)*VLOOKUP(G7,'All data points & rules'!$L$38:$M$42,2,0)*G10,0)","v":0},0,"Overtime manually entered; discounted as per credit rules",null,"Commission (manual)",{"$f":"IFERROR('Customer view page'!E32*C10*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!G32*D10*VLOOKUP(D7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!I32*E10*VLOOKUP(E7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!K32*F10*VLOOKUP(F7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!N32*G10*VLOOKUP(G7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"SUM(L20:P20)","v":0}]
[null,"Bonus",{"$f":"IF('Customer view page'!E35+'Income assessor'!$R$5+'Income assessor (2)'!$R$5<='All data points & rules'!$M$27,('Customer view page'!E35+'Income assessor'!$R$5+'Income assessor (2)'!$R$5)*'All data points & rules'!$N$27,'All data points & rules'!$M$27*'All data points & rules'!$N$27+('Customer view page'!E35+'Income assessor'!$R$5+'Income assessor (2)'!$R$5-'All data points & rules'!$M$27)*'All data points & rules'!$N$28)","v":0},{"$f":"IF('Customer view page'!G35+'Income assessor'!$R$6+'Income assessor (2)'!$R$6<='All data points & rules'!$M$27,('Customer view page'!G35+'Income assessor'!$R$6+'Income assessor (2)'!$R$6)*'All data points & rules'!$N$27,'All data points & rules'!$M$27*'All data points & rules'!$N$27+('Customer view page'!G35+'Income assessor'!$R$6+'Income assessor (2)'!$R$6-'All data points & rules'!$M$27)*'All data points & rules'!$N$28)","v":0},{"$f":"IF('Customer view page'!I35+'Income assessor'!$R$7+'Income assessor (2)'!$R$7<='All data points & rules'!$M$27,('Customer view page'!I35+'Income assessor'!$R$7+'Income assessor (2)'!$R$7)*'All data points & rules'!$N$27,'All data points & rules'!$M$27*'All data points & rules'!$N$27+('Customer view page'!I35+'Income assessor'!$R$7+'Income assessor (2)'!$R$7-'All data points & rules'!$M$27)*'All data points & rules'!$N$28)","v":0},{"$f":"IF('Customer view page'!K35+'Income assessor'!$R$8+'Income assessor (2)'!$R$8<='All data points & rules'!$M$27,('Customer view page'!K35+'Income assessor'!$R$8+'Income assessor (2)'!$R$8)*'All data points & rules'!$N$27,'All data points & rules'!$M$27*'All data points & rules'!$N$27+('Customer view page'!K35+'Income assessor'!$R$8+'Income assessor (2)'!$R$8-'All data points & rules'!$M$27)*'All data points & rules'!$N$28)","v":0},{"$f":"IF('Customer view page'!N35+'Income assessor'!$R$9+'Income assessor (2)'!$R$9<='All data points & rules'!$M$27,('Customer view page'!N35+'Income assessor'!$R$9+'Income assessor (2)'!$R$9)*'All data points & rules'!$N$27,'All data points & rules'!$M$27*'All data points & rules'!$N$27+('Customer view page'!N35+'Income assessor'!$R$9+'Income assessor (2)'!$R$9-'All data points & rules'!$M$27)*'All data points & rules'!$N$28)","v":0},0,"Discounted as per credit rules",null,"Overtime (manual)",{"$f":"IFERROR('Customer view page'!E31*C10*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!G31*D10*VLOOKUP(D7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!I31*E10*VLOOKUP(E7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!K31*F10*VLOOKUP(F7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"IFERROR('Customer view page'!N31*G10*VLOOKUP(G7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"SUM(L21:P21)","v":0},null,"Taxable Income (excl. pre-tax deductions)",{"$f":"C30+T19","v":0},{"$f":"D30+D28","v":0},{"$f":"E30+E28","v":0},{"$f":"F30+F28","v":0},{"$f":"G30+G28","v":0},{"$f":"SUM(T21:X21)","v":0}]
[null,"Investment",{"$f":"IFERROR('Customer view page'!E27+('Customer view page'!E36*'All data points & rules'!$M$26),0)","v":0},{"$f":"IFERROR('Customer view page'!G27+('Customer view page'!G36*'All data points & rules'!$M$26),0)","v":0},{"$f":"IFERROR('Customer view page'!I27+('Customer view page'!I36*'All data points & rules'!$M$26),0)","v":0},{"$f":"IFERROR('Customer view page'!K27+('Customer view page'!K36*'All data points & rules'!$M$26),0)","v":0},{"$f":"IFERROR('Customer view page'!N27+('Customer view page'!N36*'All data points & rules'!$M$26),0)","v":0},0,"Discounted as per credit rules",null,"Bonus",{"$f":"'Income assessor'!AU5+'Income assessor'!AV5+'Income assessor (2)'!AU5+'Income assessor (2)'!AV5+'Customer view page'!E35","v":0},{"$f":"'Income assessor'!AU6+'Income assessor'!AV6+'Income assessor (2)'!AU6+'Income assessor (2)'!AV6+'Customer view page'!G35","v":0},{"$f":"'Income assessor'!AU7+'Income assessor'!AV7+'Income assessor (2)'!AU7+'Income assessor (2)'!AV7+'Customer view page'!I35","v":0},{"$f":"'Income assessor'!AU8+'Income assessor'!AV8+'Income assessor (2)'!AU8+'Income assessor (2)'!AV8+'Customer view page'!K35","v":0},{"$f":"'Income assessor'!AU9+'Income assessor'!AV9+'Income assessor (2)'!AU9+'Income assessor (2)'!AV9+'Customer view page'!N35","v":0},{"$f":"SUM(L22:P22)","v":0},null,{"$f":"B33","v":"Bracket 1: 0.01 to 18200"}]
[null,"Self-employed",{"$f":"'Customer view page'!E38","v":0},{"$f":"'Customer view page'!G38","v":0},{"$f":"'Customer view page'!I38","v":0},{"$f":"'Customer view page'!K38","v":0},{"$f":"'Customer view page'!N38","v":0},0,"Outcome via the self-employed calculator",null,"Investment",{"$f":"'Income assessor'!$AZ$5+'Income assessor (2)'!$AZ$5+'Customer view page'!E36","v":0},{"$f":"'Income assessor'!$AZ$6+'Income assessor (2)'!$AZ$6+'Customer view page'!G36","v":0},{"$f":"'Income assessor'!$AZ$7+'Income assessor (2)'!$AZ$7+'Customer view page'!I36","v":0},{"$f":"'Income assessor'!$AZ$8+'Income assessor (2)'!$AZ$8+'Customer view page'!K36","v":0},{"$f":"'Income assessor'!$AZ$9+'Income assessor (2)'!$AZ$9+'Customer view page'!N36","v":0},0,null,{"$f":"B34","v":"Bracket 2: 18200.01 to 45000"},{"$f":"IF(T$21>'All data points & rules'!$I5,('All data points & rules'!$I5-'All data points & rules'!$H5)*'All data points & rules'!$J5,IF(T$21<'All data points & rules'!$H5,0,(T$21-'All data points & rules'!$H5)*'All data points & rules'!$J5))","v":0},{"$f":"IF(U$21>'All data points & rules'!$I5,('All data points & rules'!$I5-'All data points & rules'!$H5)*'All data points & rules'!$J5,IF(U$21<'All data points & rules'!$H5,0,(U$21-'All data points & rules'!$H5)*'All data points & rules'!$J5))","v":0},{"$f":"IF(V$21>'All data points & rules'!$I5,('All data points & rules'!$I5-'All data points & rules'!$H5)*'All data points & rules'!$J5,IF(V$21<'All data points & rules'!$H5,0,(V$21-'All data points & rules'!$H5)*'All data points & rules'!$J5))","v":0},{"$f":"IF(W$21>'All data points & rules'!$I5,('All data points & rules'!$I5-'All data points & rules'!$H5)*'All data points & rules'!$J5,IF(W$21<'All data points & rules'!$H5,0,(W$21-'All data points & rules'!$H5)*'All data points & rules'!$J5))","v":0},{"$f":"IF(X$21>'All data points & rules'!$I5,('All data points & rules'!$I5-'All data points & rules'!$H5)*'All data points & rules'!$J5,IF(X$21<'All data points & rules'!$H5,0,(X$21-'All data points & rules'!$H5)*'All data points & rules'!$J5))","v":0}]
[null,"Rental",{"$f":"SUMPRODUCT('Rental Income'!$K$6:$K$13,'Rental Income'!O6:O13)*52","v":0},{"$f":"SUMPRODUCT('Rental Income'!$K$6:$K$13,'Rental Income'!P6:P13)*52","v":0},{"$f":"SUMPRODUCT('Rental Income'!$K$6:$K$13,'Rental Income'!Q6:Q13)*52","v":0},{"$f":"SUMPRODUCT('Rental Income'!$K$6:$K$13,'Rental Income'!R6:R13)*52","v":0},{"$f":"SUMPRODUCT('Rental Income'!$K$6:$K$13,'Rental Income'!S6:S13)*52","v":0},0,"Discounted by property type; max rental yield applies",null,"Foreign",{"$f":"'Foreign Income'!$D$5","v":0},{"$f":"'Foreign Income'!$D$6","v":0},{"$f":"'Foreign Income'!$D$7","v":0},{"$f":"'Foreign Income'!$D$8","v":0},{"$f":"'Foreign Income'!$D$9","v":0},{"$f":"SUM(L24:P24)","v":0},null,"Bracket 3: 45000.01 to 135000",{"$f":"IF(T$21>'All data points & rules'!$I6,('All data points & rules'!$I6-'All data points & rules'!$H6)*'All data points & rules'!$J6,IF(T$21<'All data points & rules'!$H6,0,(T$21-'All data points & rules'!$H6)*'All data points & rules'!$J6))","v":0},{"$f":"IF(U$21>'All data points & rules'!$I6,('All data points & rules'!$I6-'All data points & rules'!$H6)*'All data points & rules'!$J6,IF(U$21<'All data points & rules'!$H6,0,(U$21-'All data points & rules'!$H6)*'All data points & rules'!$J6))","v":0},{"$f":"IF(V$21>'All data points & rules'!$I6,('All data points & rules'!$I6-'All data points & rules'!$H6)*'All data points & rules'!$J6,IF(V$21<'All data points & rules'!$H6,0,(V$21-'All data points & rules'!$H6)*'All data points & rules'!$J6))","v":0},{"$f":"IF(W$21>'All data points & rules'!$I6,('All data points & rules'!$I6-'All data points & rules'!$H6)*'All data points & rules'!$J6,IF(W$21<'All data points & rules'!$H6,0,(W$21-'All data points & rules'!$H6)*'All data points & rules'!$J6))","v":0},{"$f":"IF(X$21>'All data points & rules'!$I6,('All data points & rules'!$I6-'All data points & rules'!$H6)*'All data points & rules'!$J6,IF(X$21<'All data points & rules'!$H6,0,(X$21-'All data points & rules'!$H6)*'All data points & rules'!$J6))","v":0}]
[null,"Foreign",{"$f":"'Customer view page'!E42","v":0},{"$f":"'Customer view page'!G42","v":0},{"$f":"'Customer view page'!I42","v":0},{"$f":"'Customer view page'!K42","v":0},{"$f":"'Customer view page'!N42","v":0},0,"Discounted as per credit rules",null,"Rental (NOTE: not used for HEM)",{"$f":"SUMPRODUCT('Rental Income'!$H$6:$H$13,'Rental Income'!O6:O13)*52","v":0},{"$f":"SUMPRODUCT('Rental Income'!$H$6:$H$13,'Rental Income'!P6:P13)*52","v":0},{"$f":"SUMPRODUCT('Rental Income'!$H$6:$H$13,'Rental Income'!Q6:Q13)*52","v":0},{"$f":"SUMPRODUCT('Rental Income'!$H$6:$H$13,'Rental Income'!R6:R13)*52","v":0},{"$f":"SUMPRODUCT('Rental Income'!$H$6:$H$13,'Rental Income'!S6:S13)*52","v":0},{"$f":"SUM('Rental Income'!H6:H13)*52","v":0},null,"Bracket 4: 135000 to 190000",{"$f":"IF(T$21>'All data points & rules'!$I7,('All data points & rules'!$I7-'All data points & rules'!$H7)*'All data points & rules'!$J7,IF(T$21<'All data points & rules'!$H7,0,(T$21-'All data points & rules'!$H7)*'All data points & rules'!$J7))","v":0},{"$f":"IF(U$21>'All data points & rules'!$I7,('All data points & rules'!$I7-'All data points & rules'!$H7)*'All data points & rules'!$J7,IF(U$21<'All data points & rules'!$H7,0,(U$21-'All data points & rules'!$H7)*'All data points & rules'!$J7))","v":0},{"$f":"IF(V$21>'All data points & rules'!$I7,('All data points & rules'!$I7-'All data points & rules'!$H7)*'All data points & rules'!$J7,IF(V$21<'All data points & rules'!$H7,0,(V$21-'All data points & rules'!$H7)*'All data points & rules'!$J7))","v":0},{"$f":"IF(W$21>'All data points & rules'!$I7,('All data points & rules'!$I7-'All data points & rules'!$H7)*'All data points & rules'!$J7,IF(W$21<'All data points & rules'!$H7,0,(W$21-'All data points & rules'!$H7)*'All data points & rules'!$J7))","v":0},{"$f":"IF(X$21>'All data points & rules'!$I7,('All data points & rules'!$I7-'All data points & rules'!$H7)*'All data points & rules'!$J7,IF(X$21<'All data points & rules'!$H7,0,(X$21-'All data points & rules'!$H7)*'All data points & rules'!$J7))","v":0}]
[null,"Total gross income",{"$f":"SUM(C17:C25)","v":0},{"$f":"SUM(D17:D25)","v":0},{"$f":"SUM(E17:E25)","v":0},{"$f":"SUM(F17:F25)","v":0},{"$f":"SUM(G17:G25)","v":0},{"$f":"SUM(C26:G26)","v":0},null,null,"Total non-discounted income",{"$f":"SUM(L17:L25)","v":0},{"$f":"SUM(M17:M25)","v":0},{"$f":"SUM(N17:N25)","v":0},0,0,null,null,"Bracket 5: 190000 to -",{"$f":"IF(T$21>'All data points & rules'!$I8,('All data points & rules'!$I8-'All data points & rules'!$H8)*'All data points & rules'!$J8,IF(T$21<'All data points & rules'!$H8,0,(T$21-'All data points & rules'!$H8)*'All data points & rules'!$J8))","v":0},{"$f":"IF(U$21>'All data points & rules'!$I8,('All data points & rules'!$I8-'All data points & rules'!$H8)*'All data points & rules'!$J8,IF(U$21<'All data points & rules'!$H8,0,(U$21-'All data points & rules'!$H8)*'All data points & rules'!$J8))","v":0},{"$f":"IF(V$21>'All data points & rules'!$I8,('All data points & rules'!$I8-'All data points & rules'!$H8)*'All data points & rules'!$J8,IF(V$21<'All data points & rules'!$H8,0,(V$21-'All data points & rules'!$H8)*'All data points & rules'!$J8))","v":0},{"$f":"IF(W$21>'All data points & rules'!$I8,('All data points & rules'!$I8-'All data points & rules'!$H8)*'All data points & rules'!$J8,IF(W$21<'All data points & rules'!$H8,0,(W$21-'All data points & rules'!$H8)*'All data points & rules'!$J8))","v":0},{"$f":"IF(X$21>'All data points & rules'!$I8,('All data points & rules'!$I8-'All data points & rules'!$H8)*'All data points & rules'!$J8,IF(X$21<'All data points & rules'!$H8,0,(X$21-'All data points & rules'!$H8)*'All data points & rules'!$J8))","v":0}]
[]
[null,"Pre-tax deductions",{"$f":"SUMIFS(Deductions!$E$7:$E$16,Deductions!$H$7:$H$16,1,Deductions!$J$7:$J$16,\"No\",Deductions!$I$7:$I$16,\"Pre\")","v":0},{"$f":"SUMIFS(Deductions!$E$7:$E$16,Deductions!$H$7:$H$16,2,Deductions!$J$7:$J$16,\"No\",Deductions!$I$7:$I$16,\"Pre\")","v":0},{"$f":"SUMIFS(Deductions!$E$7:$E$16,Deductions!$H$7:$H$16,3,Deductions!$J$7:$J$16,\"No\",Deductions!$I$7:$I$16,\"Pre\")","v":0},{"$f":"SUMIFS(Deductions!$E$7:$E$16,Deductions!$H$7:$H$16,4,Deductions!$J$7:$J$16,\"No\",Deductions!$I$7:$I$16,\"Pre\")","v":0},{"$f":"SUMIFS(Deductions!$E$7:$E$16,Deductions!$H$7:$H$16,5,Deductions!$J$7:$J$16,\"No\",Deductions!$I$7:$I$16,\"Pre\")","v":0},{"$f":"SUM(C28:G28)","v":0},"Deductions only included if can't be converted to cash",null,null,null,null,null,null,null,null,null,"Tax expense",{"$f":"SUM(T22:T26)","v":0},{"$f":"SUM(U22:U26)","v":0},0,0,0,{"$f":"SUM(T28:X28)","v":0}]
[null,"Negative gearing expense",{"$f":"SUMPRODUCT('Rental Income'!$N$6:$N$13,'Rental Income'!O6:O13)*12","v":0},{"$f":"SUMPRODUCT('Rental Income'!$N$6:$N$13,'Rental Income'!P6:P13)*12","v":0},{"$f":"SUMPRODUCT('Rental Income'!$N$6:$N$13,'Rental Income'!Q6:Q13)*12","v":0},{"$f":"SUMPRODUCT('Rental Income'!$N$6:$N$13,'Rental Income'!R6:R13)*12","v":0},{"$f":"SUMPRODUCT('Rental Income'!$N$6:$N$13,'Rental Income'!S6:S13)*12","v":0},{"$f":"SUM(C29:G29)","v":0},"Removed as a pre-tax expense. Added back for NMS calc.",null,null,null,null,null,null,null,null,null,"Medicare expense",{"$f":"IF(T21<='All data points & rules'!$I$11,0,IF(T21>'All data points & rules'!$I$12,T21*'All data points & rules'!$I$10,(T21-'All data points & rules'!$I$11)*0.1))","v":0},{"$f":"IF(U21<='All data points & rules'!$I$11,0,IF(U21>'All data points & rules'!$I$12,U21*'All data points & rules'!$I$10,(U21-'All data points & rules'!$I$11)*0.1))","v":0},{"$f":"IF(V21<='All data points & rules'!$I$11,0,IF(V21>'All data points & rules'!$I$12,V21*'All data points & rules'!$I$10,(V21-'All data points & rules'!$I$11)*0.1))","v":0},{"$f":"IF(W21<='All data points & rules'!$I$11,0,IF(W21>'All data points & rules'!$I$12,W21*'All data points & rules'!$I$10,(W21-'All data points & rules'!$I$11)*0.1))","v":0},{"$f":"IF(X21<='All data points & rules'!$I$11,0,IF(X21>'All data points & rules'!$I$12,X21*'All data points & rules'!$I$10,(X21-'All data points & rules'!$I$11)*0.1))","v":0},{"$f":"SUM(T29:X29)","v":0}]
[null,"Taxable Income",{"$f":"C26-C28-C29","v":0},{"$f":"D26-D28-D29","v":0},{"$f":"E26-E28-E29","v":0},0,0,{"$f":"SUM(C30:G30)","v":0},null,null,null,null,null,null,null,null,null,null,"HECS",{"$f":"IF(C6=FALSE,0,MIN((T21-C22-C24-C25+C29)*(SUMIFS('All data points & rules'!$J$17:$J$35,'All data points & rules'!$H$17:$H$35,\"<=\"&(T21-C22-C24-C25+C29),'All data points & rules'!$I$17:$I$35,\">=\"&(T21-C22-C24-C25+C29))),'Customer view page'!E61))","v":0},{"$f":"IF(D6=FALSE,0,MIN((U21-D22-D24-D25+D29)*(SUMIFS('All data points & rules'!$J$17:$J$35,'All data points & rules'!$H$17:$H$35,\"<=\"&(U21-D22-D24-D25+D29),'All data points & rules'!$I$17:$I$35,\">=\"&(U21-D22-D24-D25+D29))),'Customer view page'!G61))","v":0},{"$f":"IF(E6=FALSE,0,MIN((V21-E22-E24-E25+E29)*(SUMIFS('All data points & rules'!$J$17:$J$35,'All data points & rules'!$H$17:$H$35,\"<=\"&(V21-E22-E24-E25+E29),'All data points & rules'!$I$17:$I$35,\">=\"&(V21-E22-E24-E25+E29))),'Customer view page'!I61))","v":0},{"$f":"IF(F6=FALSE,0,MIN((W21-F22-F24-F25+F29)*(SUMIFS('All data points & rules'!$J$17:$J$35,'All data points & rules'!$H$17:$H$35,\"<=\"&(W21-F22-F24-F25+F29),'All data points & rules'!$I$17:$I$35,\">=\"&(W21-F22-F24-F25+F29))),'Customer view page'!K61))","v":0},{"$f":"IF(G6=FALSE,0,MIN((X21-G22-G24-G25+G29)*(SUMIFS('All data points & rules'!$J$17:$J$35,'All data points & rules'!$H$17:$H$35,\"<=\"&(X21-G22-G24-G25+G29),'All data points & rules'!$I$17:$I$35,\">=\"&(X21-G22-G24-G25+G29))),'Customer view page'!N61))","v":0},{"$f":"SUM(T30:X30)","v":0}]
[]
[null,"Income tax",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net income (post-tax, incl. medicare)",{"$f":"T21-T28-T29-T30","v":0},{"$f":"U21-U28-U29-U30","v":0},0,0,{"$f":"X21-X28-X29-X30","v":0},{"$f":"SUM(T32:X32)","v":0}]
[null,{"$f":"\"Bracket 1: \" & 'All data points & rules'!H4 & \" to \" &'All data points & rules'!I4","v":"Bracket 1: 0.01 to 18200"},0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,"Difference when incl pre-tax deductions",{"$f":"T32-C45","v":0},{"$f":"U32-D45","v":0},{"$f":"V32-E45","v":0},0,{"$f":"X32-G45","v":0},{"$f":"SUM(T33:X33)","v":0}]
[null,{"$f":"\"Bracket 2: \" & 'All data points & rules'!H5 & \" to \" &'All data points & rules'!I5","v":"Bracket 2: 18200.01 to 45000"},{"$f":"IF(C$30>'All data points & rules'!$I5,('All data points & rules'!$I5-'All data points & rules'!$H5)*'All data points & rules'!$J5,IF(C$30<'All data points & rules'!$H5,0,(C$30-'All data points & rules'!$H5)*'All data points & rules'!$J5))","v":0},{"$f":"IF(D$30>'All data points & rules'!$I5,('All data points & rules'!$I5-'All data points & rules'!$H5)*'All data points & rules'!$J5,IF(D$30<'All data points & rules'!$H5,0,(D$30-'All data points & rules'!$H5)*'All data points & rules'!$J5))","v":0},{"$f":"IF(E$30>'All data points & rules'!$I5,('All data points & rules'!$I5-'All data points & rules'!$H5)*'All data points & rules'!$J5,IF(E$30<'All data points & rules'!$H5,0,(E$30-'All data points & rules'!$H5)*'All data points & rules'!$J5))","v":0},{"$f":"IF(F$30>'All data points & rules'!$I5,('All data points & rules'!$I5-'All data points & rules'!$H5)*'All data points & rules'!$J5,IF(F$30<'All data points & rules'!$H5,0,(F$30-'All data points & rules'!$H5)*'All data points & rules'!$J5))","v":0},{"$f":"IF(G$30>'All data points & rules'!$I5,('All data points & rules'!$I5-'All data points & rules'!$H5)*'All data points & rules'!$J5,IF(G$30<'All data points & rules'!$H5,0,(G$30-'All data points & rules'!$H5)*'All data points & rules'!$J5))","v":0},null,null,null,null,null,null,null,null,null,null,null,"Pre-tax monthly deductions",{"$f":"T33/12","v":0},{"$f":"U33/12","v":0},0,0,0,{"$f":"SUM(T34:X34)","v":0}]
[null,{"$f":"\"Bracket 3: \" & 'All data points & rules'!H6 & \" to \" &'All data points & rules'!I6","v":"Bracket 3: 45000.01 to 135000"},{"$f":"IF(C$30>'All data points & rules'!$I6,('All data points & rules'!$I6-'All data points & rules'!$H6)*'All data points & rules'!$J6,IF(C$30<'All data points & rules'!$H6,0,(C$30-'All data points & rules'!$H6)*'All data points & rules'!$J6))","v":0},{"$f":"IF(D$30>'All data points & rules'!$I6,('All data points & rules'!$I6-'All data points & rules'!$H6)*'All data points & rules'!$J6,IF(D$30<'All data points & rules'!$H6,0,(D$30-'All data points & rules'!$H6)*'All data points & rules'!$J6))","v":0},{"$f":"IF(E$30>'All data points & rules'!$I6,('All data points & rules'!$I6-'All data points & rules'!$H6)*'All data points & rules'!$J6,IF(E$30<'All data points & rules'!$H6,0,(E$30-'All data points & rules'!$H6)*'All data points & rules'!$J6))","v":0},{"$f":"IF(F$30>'All data points & rules'!$I6,('All data points & rules'!$I6-'All data points & rules'!$H6)*'All data points & rules'!$J6,IF(F$30<'All data points & rules'!$H6,0,(F$30-'All data points & rules'!$H6)*'All data points & rules'!$J6))","v":0},{"$f":"IF(G$30>'All data points & rules'!$I6,('All data points & rules'!$I6-'All data points & rules'!$H6)*'All data points & rules'!$J6,IF(G$30<'All data points & rules'!$H6,0,(G$30-'All data points & rules'!$H6)*'All data points & rules'!$J6))","v":0},null,null,null,null,null,null,null,null,null,null,null,"Total monthly deductions",{"$f":"T34+T18","v":0},{"$f":"U34+U18","v":0},{"$f":"V34+V18","v":0},0,0,{"$f":"SUM(T35:X35)","v":0}]
[null,{"$f":"\"Bracket 4: \" & 'All data points & rules'!H7 & \" to \" &'All data points & rules'!I7","v":"Bracket 4: 135000 to 190000"},{"$f":"IF(C$30>'All data points & rules'!$I7,('All data points & rules'!$I7-'All data points & rules'!$H7)*'All data points & rules'!$J7,IF(C$30<'All data points & rules'!$H7,0,(C$30-'All data points & rules'!$H7)*'All data points & rules'!$J7))","v":0},{"$f":"IF(D$30>'All data points & rules'!$I7,('All data points & rules'!$I7-'All data points & rules'!$H7)*'All data points & rules'!$J7,IF(D$30<'All data points & rules'!$H7,0,(D$30-'All data points & rules'!$H7)*'All data points & rules'!$J7))","v":0},{"$f":"IF(E$30>'All data points & rules'!$I7,('All data points & rules'!$I7-'All data points & rules'!$H7)*'All data points & rules'!$J7,IF(E$30<'All data points & rules'!$H7,0,(E$30-'All data points & rules'!$H7)*'All data points & rules'!$J7))","v":0},{"$f":"IF(F$30>'All data points & rules'!$I7,('All data points & rules'!$I7-'All data points & rules'!$H7)*'All data points & rules'!$J7,IF(F$30<'All data points & rules'!$H7,0,(F$30-'All data points & rules'!$H7)*'All data points & rules'!$J7))","v":0},{"$f":"IF(G$30>'All data points & rules'!$I7,('All data points & rules'!$I7-'All data points & rules'!$H7)*'All data points & rules'!$J7,IF(G$30<'All data points & rules'!$H7,0,(G$30-'All data points & rules'!$H7)*'All data points & rules'!$J7))","v":0}]
[null,{"$f":"\"Bracket 5: \" & 'All data points & rules'!H8 & \" to \" &'All data points & rules'!I8","v":"Bracket 5: 190000 to -"},{"$f":"IF(C$30>'All data points & rules'!$I8,('All data points & rules'!$I8-'All data points & rules'!$H8)*'All data points & rules'!$J8,IF(C$30<'All data points & rules'!$H8,0,(C$30-'All data points & rules'!$H8)*'All data points & rules'!$J8))","v":0},{"$f":"IF(D$30>'All data points & rules'!$I8,('All data points & rules'!$I8-'All data points & rules'!$H8)*'All data points & rules'!$J8,IF(D$30<'All data points & rules'!$H8,0,(D$30-'All data points & rules'!$H8)*'All data points & rules'!$J8))","v":0},{"$f":"IF(E$30>'All data points & rules'!$I8,('All data points & rules'!$I8-'All data points & rules'!$H8)*'All data points & rules'!$J8,IF(E$30<'All data points & rules'!$H8,0,(E$30-'All data points & rules'!$H8)*'All data points & rules'!$J8))","v":0},{"$f":"IF(F$30>'All data points & rules'!$I8,('All data points & rules'!$I8-'All data points & rules'!$H8)*'All data points & rules'!$J8,IF(F$30<'All data points & rules'!$H8,0,(F$30-'All data points & rules'!$H8)*'All data points & rules'!$J8))","v":0},{"$f":"IF(G$30>'All data points & rules'!$I8,('All data points & rules'!$I8-'All data points & rules'!$H8)*'All data points & rules'!$J8,IF(G$30<'All data points & rules'!$H8,0,(G$30-'All data points & rules'!$H8)*'All data points & rules'!$J8))","v":0}]
[null,"Tax expense",{"$f":"SUM(C33:C37)","v":0},{"$f":"SUM(D33:D37)","v":0},{"$f":"SUM(E33:E37)","v":0},{"$f":"SUM(F33:F37)","v":0},{"$f":"SUM(G33:G37)","v":0},{"$f":"SUM(C38:G38)","v":0},"Calculated using latest tax income brackets"]
[]
[null,"HECS",{"$f":"IF(OR(C6=FALSE,ISBLANK(C6)),0,MIN((C30-C22-C24-C25+C29)*(SUMIFS('All data points & rules'!$J$17:$J$35,'All data points & rules'!$H$17:$H$35,\"<=\"&(C30-C22-C24-C25+C29),'All data points & rules'!$I$17:$I$35,\">=\"&(C30-C22-C24-C25+C29))),'Customer view page'!E61))","v":0},{"$f":"IF(OR(D6=FALSE,ISBLANK(D6)),0,MIN((D30-D22-D24-D25+D29)*(SUMIFS('All data points & rules'!$J$17:$J$35,'All data points & rules'!$H$17:$H$35,\"<=\"&(D30-D22-D24-D25+D29),'All data points & rules'!$I$17:$I$35,\">=\"&(D30-D22-D24-D25+D29))),'Customer view page'!G61))","v":0},{"$f":"IF(OR(E6=FALSE,ISBLANK(E6)),0,MIN((E30-E22-E24-E25+E29)*(SUMIFS('All data points & rules'!$J$17:$J$35,'All data points & rules'!$H$17:$H$35,\"<=\"&(E30-E22-E24-E25+E29),'All data points & rules'!$I$17:$I$35,\">=\"&(E30-E22-E24-E25+E29))),'Customer view page'!I61))","v":0},{"$f":"IF(OR(F6=FALSE,ISBLANK(F6)),0,MIN((F30-F22-F24-F25+F29)*(SUMIFS('All data points & rules'!$J$17:$J$35,'All data points & rules'!$H$17:$H$35,\"<=\"&(F30-F22-F24-F25+F29),'All data points & rules'!$I$17:$I$35,\">=\"&(F30-F22-F24-F25+F29))),'Customer view page'!K61))","v":0},{"$f":"IF(OR(G6=FALSE,ISBLANK(G6)),0,MIN((G30-G22-G24-G25+G29)*(SUMIFS('All data points & rules'!$J$17:$J$35,'All data points & rules'!$H$17:$H$35,\"<=\"&(G30-G22-G24-G25+G29),'All data points & rules'!$I$17:$I$35,\">=\"&(G30-G22-G24-G25+G29))),'Customer view page'!N61))","v":0},{"$f":"SUM(C40:G40)","v":0},"Based on PAYG/SE income; uses latest HECS/HELP thresholds"]
[]
[null,"Post-tax income",{"$f":"C30-C38-C40","v":0},{"$f":"D30-D38-D40","v":0},{"$f":"E30-E38-E40","v":0},{"$f":"F30-F38-F40","v":0},{"$f":"G30-G38-G40","v":0},{"$f":"SUM(C42:G42)","v":0},"Total taxable income less income tax & HECS"]
[]
[null,"Medicare levy",{"$f":"IF(C30<='All data points & rules'!$I$11,0,IF(C30>'All data points & rules'!$I$12,C30*'All data points & rules'!$I$10,(C30-'All data points & rules'!$I$11)*0.1))","v":0},{"$f":"IF(D30<='All data points & rules'!$I$11,0,IF(D30>'All data points & rules'!$I$12,D30*'All data points & rules'!$I$10,(D30-'All data points & rules'!$I$11)*0.1))","v":0},{"$f":"IF(E30<='All data points & rules'!$I$11,0,IF(E30>'All data points & rules'!$I$12,E30*'All data points & rules'!$I$10,(E30-'All data points & rules'!$I$11)*0.1))","v":0},{"$f":"IF(F30<='All data points & rules'!$I$11,0,IF(F30>'All data points & rules'!$I$12,F30*'All data points & rules'!$I$10,(F30-'All data points & rules'!$I$11)*0.1))","v":0},{"$f":"IF(G30<='All data points & rules'!$I$11,0,IF(G30>'All data points & rules'!$I$12,G30*'All data points & rules'!$I$10,(G30-'All data points & rules'!$I$11)*0.1))","v":0},{"$f":"SUM(C44:G44)","v":0},"Calculated as 2% of post-tax income"]
[null,"Net income (incl Medicare)",{"$f":"C42-C44","v":0},{"$f":"D42-D44","v":0},0,0,0,{"$f":"SUM(C45:G45)","v":0}]
[]
[null,"Non-taxed income",{"$f":"'Customer view page'!E25+'Customer view page'!E34","v":0},{"$f":"'Customer view page'!G25+'Customer view page'!G34","v":0},{"$f":"'Customer view page'!I25+'Customer view page'!I34","v":0},{"$f":"'Customer view page'!K25+'Customer view page'!K34","v":0},{"$f":"'Customer view page'!N25+'Customer view page'!N34","v":0},{"$f":"SUM(C47:G47)","v":0}]
[null,"Post-tax deductions",{"$f":"SUMIFS(Deductions!$E$7:$E$16,Deductions!$H$7:$H$16,1,Deductions!$J$7:$J$16,\"No\",Deductions!$I$7:$I$16,\"Post\")","v":0},{"$f":"SUMIFS(Deductions!$E$7:$E$16,Deductions!$H$7:$H$16,2,Deductions!$J$7:$J$16,\"No\",Deductions!$I$7:$I$16,\"Post\")","v":0},{"$f":"SUMIFS(Deductions!$E$7:$E$16,Deductions!$H$7:$H$16,3,Deductions!$J$7:$J$16,\"No\",Deductions!$I$7:$I$16,\"Post\")","v":0},{"$f":"SUMIFS(Deductions!$E$7:$E$16,Deductions!$H$7:$H$16,4,Deductions!$J$7:$J$16,\"No\",Deductions!$I$7:$I$16,\"Post\")","v":0},{"$f":"SUMIFS(Deductions!$E$7:$E$16,Deductions!$H$7:$H$16,5,Deductions!$J$7:$J$16,\"No\",Deductions!$I$7:$I$16,\"Post\")","v":0},{"$f":"SUM(C48:G48)","v":0},"Deductions only included if can't be converted to cash"]
[null,"Total net annual income",{"$f":"C45+C47-C48","v":0},{"$f":"D45+D47-D48","v":0},0,0,0,{"$f":"SUM(C49:G49)","v":0}]
[]
[null,"Monthly debt commitments"]
[null,"CC commitment",{"$f":"('Customer view page'!E60*'All data points & rules'!$F$6)","v":0},{"$f":"('Customer view page'!F60*'All data points & rules'!$F$6)","v":0},{"$f":"('Customer view page'!G60*'All data points & rules'!$F$6)","v":0},{"$f":"('Customer view page'!H60*'All data points & rules'!$F$6)","v":0},{"$f":"('Customer view page'!I60*'All data points & rules'!$F$6)","v":0},{"$f":"SUM(C52:G52)","v":0},"Calculated using an assumed credit card factor rate"]
[null,"HECS",{"$f":"C40/12","v":0},{"$f":"D40/12","v":0},{"$f":"E40/12","v":0},{"$f":"F40/12","v":0},{"$f":"G40/12","v":0},{"$f":"SUM(C53:G53)","v":0},"This was previously accounted for by reducing net income"]
[null,"Existing debt repayments",null,null,null,null,null,{"$f":"SUM('Existing debt'!H16:H24)+SUM('Existing debt'!H6:H11)","v":0},"Assessed repayments of existing debt (excl CC, HECS)"]
[null,"New loan repayments (with buffer)",null,null,null,null,null,{"$f":"IF(SUM('New loan details & repayments'!F4:F13)=0,0,IF('New loan details & repayments'!C32=\"No\",'New loan details & repayments'!K14,'New loan details & repayments'!M14)+IF('New loan details & repayments'!C16=TRUE,'New loan details & repayments'!F21))","v":0},"Assessed repayments of the new loan being applied for"]
[null,"Total commitments",null,null,null,null,null,{"$f":"H52+H54+H55","v":0}]
[]
[null,"Monthly expenses"]
[null,"General living expenses (CDLE)",{"$f":"'Monthly expenses'!E28","v":0},{"$f":"'Monthly expenses'!F28","v":0},{"$f":"'Monthly expenses'!G28","v":0},{"$f":"'Monthly expenses'!H28","v":0},{"$f":"'Monthly expenses'!I28","v":0},{"$f":"SUM(C59:G59)","v":0},"Expenses declared by borrowers which are comparable to HEM"]
[null,"General living expenses (HEM)",null,null,null,null,null,{"$f":"'HEM tables & calculation'!L35","v":0},"Total HEM based on borrowers' income and dependents"]
[null,"Higher of CDLE & HEM",null,null,null,null,null,{"$f":"IF(AND(H59=0,H62=0),0,'HEM tables & calculation'!M35)","v":0},"Higher of CDLE & HEM, if CDLE is given"]
[null,"Other living expenses",{"$f":"'Monthly expenses'!E31","v":0},{"$f":"'Monthly expenses'!F31","v":0},{"$f":"'Monthly expenses'!G31","v":0},{"$f":"'Monthly expenses'!H31","v":0},{"$f":"'Monthly expenses'!I31","v":0},{"$f":"SUM(C62:G62)","v":0},"Additional expenses that are not comparable to HEM"]
[null,"Total expenses",null,null,null,null,null,{"$f":"H61+H62","v":0}]
[]
[null,"Net monthly surplus",null,null,"Debt-to-income",null,null,null,"Result"]
[null,"Total income",null,null,null,"Total debt",null,null,{"$f":"'Customer view page'!$G$109","v":"UNFINISHED"}]
[null,{"$f":"IF(H29>0,\"Post-tax income (incl. neg gearing)\",\"Post-tax income\")","v":"Post-tax income"},{"$f":"H49/12+H29/12","v":0},null,"New loan (inc. LMI if applicable)",null,{"$f":"IF('New loan details & repayments'!C16=TRUE,'New loan details & repayments'!C19,'New loan details & repayments'!C18)","v":0}]
[null,"Total commitments",null,null,null,"Existing debt",{"$f":"SUM('Existing debt'!E16:E24)+SUM('Existing debt'!F6:F10)+SUM('Customer view page'!E61:O61)","v":0},null,{"$f":"'Customer view page'!$G$113","v":""}]
[null,"New loan repayments w/ buffer",{"$f":"H55","v":0},null,null,"Credit card debt",{"$f":"SUM('Customer view page'!E60:O60)","v":0}]
[null,"Existing loan commitments",{"$f":"H52+H54","v":0},null,null,"Total debt",{"$f":"SUM(G67:G69)","v":0}]
[null,"Total expenses"]
[null,"General expenses",{"$f":"H61","v":0},null,null,"Total annual income"]
[null,"Other living expenses",{"$f":"H62","v":0},null,null,"Gross income",{"$f":"Q17+Q18","v":0},null,"Note. This assessment is based on the information inputted by the user. Please ensure all information is correct and acceptable as per AMP Bank's credit policy."]
[null,"Net monthly surplus",{"$f":"C67-C69-C70-C72-C73","v":0},null,null,"Bonus",{"$f":"Q22","v":0}]
[null,null,null,null,null,"Investment",{"$f":"Q23","v":0}]
[null,null,null,null,null,"Otime/Comm",{"$f":"SUM(Q19:Q21)","v":0}]
[null,null,null,null,null,"Rental",{"$f":"Q25","v":0}]
[null,null,null,null,null,"Foreign",{"$f":"SUM('Foreign Income'!D5:D9)","v":0}]
[null,null,null,null,null,"Total income",{"$f":"SUM(G73:G78)","v":0}]
[]
[null,null,null,null,null,"DTI",{"$f":"IFERROR(G70/G79,0)","v":0}]

{"sheet":"HEM tables & calculation","index":6,"n_rows":46,"n_cols":19,"rows_kept":46,"cut":false,"hidden":true,"merged":[[38,3,38,7],[5,18,12,22],[0,0,2,1],[19,9,20,9],[19,3,19,8],[0,3,0,16],[18,2,18,9],[16,12,16,16]]}
["MONTHLY HEM TABLE",null,null,"------------------------------------------------------------------------------------------------Income bands----------------------------------------------------------------------------------------------"]
[null,null,"Min",0,{"$f":"D3+0.01","v":26000.01},{"$f":"E3+0.01","v":39000.01},52000.01,65000.01,77000.009999999995,103000.01,129000.01,155000.01,181000.01,207000.01,258000.01,323000.01,387000.01]
[null,null,"Max",26000,39000,52000,65000,77000,103000,129000,155000,181000,207000,258000,323000,387000,100000000]
[]
[]
[null,null,"HEM Q4 2024",{"$f":"D2 & \" to \" & D3","v":"0 to 26000"},{"$f":"E2 & \" to \" & E3","v":"26000.01 to 39000"},"39000.01 to 52000","52000.01 to 65000","65000.01 to 77000","77000.01 to 103000","103000.01 to 129000","129000.01 to 155000","155000.01 to 181000","181000.01 to 207000","207000.01 to 258000","258000.01 to 323000","323000.01 to 387000","387000.01 to 100000000",null,"NOTE: only update rows with 0 - 2 dependents (3 kids = formula driven); convert HEM figures to monthly prior to pasting (*52/12) - if not done already.\n\nAny cells you don't need to update will be locked.\n\nEnsure to check if income bands need to be updated."]
["Couple",0,"Couple with 0",2576.35,2576.35,2645.63,2758.21,2931.41,3195.54,3576.58,3905.66,4247.7300000000005,4468.5600000000004,4745.68,5243.63,5988.39,6083.6500000000005]
["Couple",1,"Couple with 1",2576.35,2576.35,3022.34,3130.59,3303.79,3567.92,3948.96,4278.04,4615.78,4840.9400000000005,5118.0600000000004,5611.68,6356.4400000000005,6451.7]
["Couple",2,"Couple with 2",2576.35,2576.35,3316.78,3425.03,3602.56,3862.36,4247.7300000000005,4576.8100000000004,4914.55,5135.38,5412.5,5910.45,6655.21,6750.47]
["Couple",3,"Couple with 3",{"$f":"D9+D11","v":2576.35},{"$f":"E9+E11","v":2576.35},3316.78,3774.0136281118921,3953.7491016078216,4216.848738842471,4607.0387751713506,4940.2651717294666,5282.2681663353869,5505.9142244581108,5786.51886227472,6290.7187063580723,7044.8501491709458,7141.3207257239392]
["Couple","Add Dep","Couple Per child",0,0,0,348.98362811189213,351.18910160782178,354.48873884247109,359.30877517135025,363.45517172946626,367.71816633538714,370.534224458111,374.01886227472045,380.26870635807217,389.64014917094539,390.85072572393926]
["Single",0,"Single with 0",1337.97,1407.25,1476.53,1584.78,1762.31,2026.44,2411.81,2745.2200000000003,3087.29,3312.4500000000003,3589.57,4087.52,4840.9400000000005,4936.2]
["Single",1,"Single with 1",1337.97,1835.92,1905.2,2017.78,2195.31,2459.44,2844.81,3178.2200000000003,3520.29,3745.4500000000003,4026.9,4529.18,5282.6,5377.86]
["Single",2,"Single with 2",1337.97,2351.19,2424.8000000000002,2533.0500000000002,2714.91,2979.04,3373.07,3706.48,4052.88,4282.37,4563.82,5070.43,5828.18,5927.77]
["Single",3,"Single with 3",{"$f":"D14+D16","v":1337.97},{"$f":"E14+E16","v":2351.19},2942.7814794716396,3051.9657460525209,3235.3140293583524,3501.6706641293522,3898.9532880673346,4235.161326395084,4584.4380608108086,4815.8283566662867,5099.6298320119031,5610.4573079212696,6374.5312883658189,{"$f":"Q14+Q16","v":6474.9382207205481}]
["Single","Add Dep","Single Per child",0,0,517.98147947163955,518.91574605252083,520.40402935835266,522.63066412935245,525.88328806733455,528.6813263950836,531.55806081080868,533.45835666628659,535.80983201190327,540.02730792126908,546.35128836581862,547.16822072054765]
[null,null,null,null,null,null,null,null,null,null,null,null,"NOTE: do not update red figures"]
[]
[null,null,"Applicant spousal matrix (for HEM)"]
[null,null,null,"Couple",null,null,null,null,null,"Single"]
[null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5","Non-applicant"]
[null,null,"App 1","-",{"$f":"IF(AND('Customer view page'!$E$8=$D$20,'Customer view page'!$E$9=E21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$E$8=$D$20,'Customer view page'!$E$9=F21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$E$8=$D$20,'Customer view page'!$E$9=G21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$E$8=$D$20,'Customer view page'!$E$9=H21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$E$8=$D$20,'Customer view page'!$E$9=I21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF('Customer view page'!$E$8=J20,\"Y\",\"N/A\")","v":"N/A"}]
[null,null,"App 2",{"$f":"IF(AND('Customer view page'!$G$8=$D$20,'Customer view page'!$G$9=D21),\"Y\",\"N/A\")","v":"N/A"},"-",{"$f":"IF(AND('Customer view page'!$G$8=$D$20,'Customer view page'!$G$9=F21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$G$8=$D$20,'Customer view page'!$G$9=G21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$G$8=$D$20,'Customer view page'!$G$9=H21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$G$8=$D$20,'Customer view page'!$G$9=I21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF('Customer view page'!$G$8=J20,\"Y\",\"N/A\")","v":"N/A"}]
[null,null,"App 3",{"$f":"IF(AND('Customer view page'!$I$8=$D$20,'Customer view page'!$I$9=D21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$I$8=$D$20,'Customer view page'!$I$9=E21),\"Y\",\"N/A\")","v":"N/A"},"-",{"$f":"IF(AND('Customer view page'!$I$8=$D$20,'Customer view page'!$I$9=G21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$I$8=$D$20,'Customer view page'!$I$9=H21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$I$8=$D$20,'Customer view page'!$I$9=I21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF('Customer view page'!$I$8=J20,\"Y\",\"N/A\")","v":"N/A"}]
[null,null,"App 4",{"$f":"IF(AND('Customer view page'!$K$8=$D$20,'Customer view page'!$K$9=D21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$K$8=$D$20,'Customer view page'!$K$9=E21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$K$8=$D$20,'Customer view page'!$K$9=F21),\"Y\",\"N/A\")","v":"N/A"},"-",{"$f":"IF(AND('Customer view page'!$K$8=$D$20,'Customer view page'!$K$9=H21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$K$8=$D$20,'Customer view page'!$K$9=I21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF('Customer view page'!$K$8=J20,\"Y\",\"N/A\")","v":"N/A"}]
[null,null,"App 5",{"$f":"IF(AND('Customer view page'!$N$8=$D$20,'Customer view page'!$N$9=D21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$N$8=$D$20,'Customer view page'!$N$9=E21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$N$8=$D$20,'Customer view page'!$N$9=F21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF(AND('Customer view page'!$N$8=$D$20,'Customer view page'!$N$9=G21),\"Y\",\"N/A\")","v":"N/A"},"-",{"$f":"IF(AND('Customer view page'!$N$8=$D$20,'Customer view page'!$N$9=I21),\"Y\",\"N/A\")","v":"N/A"},{"$f":"IF('Customer view page'!$N$8=J20,\"Y\",\"N/A\")","v":"N/A"}]
[]
[]
[null,null,null,"Type","Couple With","Dependents","Income","Closest income","HEM\n(if couple)","HEM\n(if single)","CDLE\n(to compare)","Relevant HEM","HEM or CDLE?"]
[null,null,"Applicant 1 as lead",{"$f":"IF(AND('HEM tables & calculation'!E22=\"N/A\",'HEM tables & calculation'!F22=\"N/A\",'HEM tables & calculation'!G22=\"N/A\",'HEM tables & calculation'!H22=\"N/A\",'HEM tables & calculation'!I22=\"N/A\",'HEM tables & calculation'!J22=\"N/A\"),\"\",IF('HEM tables & calculation'!J22=\"Y\",\"Single\",IF(OR('HEM tables & calculation'!E22=\"Y\",'HEM tables & calculation'!F22=\"Y\",'HEM tables & calculation'!G22=\"Y\",'HEM tables & calculation'!H22=\"Y\",'HEM tables & calculation'!I22=\"Y\"),\"Couple\",\"ERROR\")))","v":""},{"$f":"IF(D30=\"Couple\",'Serviceability calculations'!C4,\"\")","v":""},{"$f":"IFERROR(IF(OR($D30=\"Single\",$E30=\"Non-applicant\"),'Serviceability calculations'!$C$5,'Serviceability calculations'!$C$5+HLOOKUP($E30,'Serviceability calculations'!$C$1:$G$5,5,0)),\"\")","v":""},{"$f":"IFERROR(IF(OR($D30=\"Single\",$E30=\"Non-applicant\"),$D$46,$D$46+HLOOKUP($E30,$D$40:$H$46,7,0)),0)","v":0},{"$f":"MAX(IF('HEM tables & calculation'!$D$2:$Q$2<G30,'HEM tables & calculation'!$D$2:$Q$2))","v":0},{"$f":"IFERROR(INDEX('HEM tables & calculation'!$A$1:$Q$11,MATCH('HEM tables & calculation'!F30,'HEM tables & calculation'!$B$1:$B$11),MATCH(H30,'HEM tables & calculation'!$A$2:$Q$2))+IF(F30>$D$36,INDEX('HEM tables & calculation'!$A$1:$Q$11,MATCH($C$36,'HEM tables & calculation'!$B$1:$B$11),MATCH(H30,'HEM tables & calculation'!$A$2:$Q$2))*(F30-$D$36),0),\"\")","v":""},{"$f":"IFERROR(INDEX('HEM tables & calculation'!$A$1:$Q$16,MATCH('HEM tables & calculation'!F30,'HEM tables & calculation'!$B$1:$B$10)+5,MATCH(H30,'HEM tables & calculation'!$A$2:$Q$2))+IF(F30>$D$36,INDEX('HEM tables & calculation'!$A$1:$Q$16,MATCH('HEM tables & calculation'!F30,'HEM tables & calculation'!$B$1:$B$10)+6,MATCH(H30,'HEM tables & calculation'!$A$2:$Q$2))*(F30-$D$36),0),\"\")","v":""},{"$f":"IFERROR(IF(OR($D30=\"Single\",$E30=\"Non-applicant\"),'Serviceability calculations'!$C$59,'Serviceability calculations'!$C$59+HLOOKUP($E30,'Serviceability calculations'!$C$1:$H$61,59,0)),\"\")","v":""},{"$f":"IF(D30=\"Couple\",I30,IF(D30=\"Single\",J30,\"\"))","v":""},{"$f":"IF(K30=0,0,MAX(K30:L30))","v":0}]
[null,null,"Applicant 2 as lead",{"$f":"IF('HEM tables & calculation'!D23=\"Y\",\"\",IF(AND('HEM tables & calculation'!D23=\"N/A\",'HEM tables & calculation'!F23=\"N/A\",'HEM tables & calculation'!G23=\"N/A\",'HEM tables & calculation'!H23=\"N/A\",'HEM tables & calculation'!I23=\"N/A\",'HEM tables & calculation'!J23=\"N/A\"),\"\",IF('HEM tables & calculation'!J23=\"Y\",\"Single\",IF(OR('HEM tables & calculation'!F23=\"Y\",'HEM tables & calculation'!G23=\"Y\",'HEM tables & calculation'!H23=\"Y\",'HEM tables & calculation'!I23=\"Y\"),\"Couple\",\"ERROR\"))))","v":""},{"$f":"IF(D31=\"Couple\",'Serviceability calculations'!D4,\"\")","v":""},{"$f":"IFERROR(IF(OR($D31=\"Single\",$E31=\"Non-applicant\"),'Serviceability calculations'!$D$5,'Serviceability calculations'!$D$5+HLOOKUP($E31,'Serviceability calculations'!$C$1:$G$5,5,0)),\"\")","v":""},{"$f":"IFERROR(IF(OR($D31=\"Single\",$E31=\"Non-applicant\"),$E$46,$E$46+HLOOKUP($E31,$D$40:$H$46,7,0)),0)","v":0},{"$f":"MAX(IF('HEM tables & calculation'!$D$2:$Q$2<G31,'HEM tables & calculation'!$D$2:$Q$2))","v":0},{"$f":"IFERROR(INDEX('HEM tables & calculation'!$A$1:$Q$11,MATCH('HEM tables & calculation'!F31,'HEM tables & calculation'!$B$1:$B$11),MATCH(H31,'HEM tables & calculation'!$A$2:$Q$2))+IF(F31>$D$36,INDEX('HEM tables & calculation'!$A$1:$Q$11,MATCH($C$36,'HEM tables & calculation'!$B$1:$B$11),MATCH(H31,'HEM tables & calculation'!$A$2:$Q$2))*(F31-$D$36),0),\"\")","v":""},{"$f":"IFERROR(INDEX('HEM tables & calculation'!$A$1:$Q$16,MATCH('HEM tables & calculation'!F31,'HEM tables & calculation'!$B$1:$B$10)+5,MATCH(H31,'HEM tables & calculation'!$A$2:$Q$2))+IF(F31>$D$36,INDEX('HEM tables & calculation'!$A$1:$Q$16,MATCH('HEM tables & calculation'!F31,'HEM tables & calculation'!$B$1:$B$10)+6,MATCH(H31,'HEM tables & calculation'!$A$2:$Q$2))*(F31-$D$36),0),\"\")","v":""},{"$f":"IFERROR(IF(OR($D31=\"Single\",$E31=\"Non-applicant\"),'Serviceability calculations'!$D$59,'Serviceability calculations'!$D$59+HLOOKUP($E31,'Serviceability calculations'!$C$1:$H$61,59,0)),\"\")","v":""},{"$f":"IF(D31=\"Couple\",I31,IF(D31=\"Single\",J31,\"\"))","v":""},{"$f":"IF(K31=0,0,MAX(K31:L31))","v":0}]
[null,null,"Applicant 3 as lead",{"$f":"IF(OR('HEM tables & calculation'!D24=\"Y\",'HEM tables & calculation'!E24=\"Y\"),\"\",IF(AND('HEM tables & calculation'!D24=\"N/A\",'HEM tables & calculation'!E24=\"N/A\",'HEM tables & calculation'!G24=\"N/A\",'HEM tables & calculation'!H24=\"N/A\",'HEM tables & calculation'!I24=\"N/A\",'HEM tables & calculation'!J24=\"N/A\"),\"\",IF('HEM tables & calculation'!J24=\"Y\",\"Single\",IF(OR('HEM tables & calculation'!G24=\"Y\",'HEM tables & calculation'!H24=\"Y\",'HEM tables & calculation'!I24=\"Y\"),\"Couple\",\"ERROR\"))))","v":""},{"$f":"IF(D32=\"Couple\",'Serviceability calculations'!E4,\"\")","v":""},{"$f":"IFERROR(IF(OR($D32=\"Single\",$E32=\"Non-applicant\"),'Serviceability calculations'!$E$5,'Serviceability calculations'!$E$5+HLOOKUP($E32,'Serviceability calculations'!$C$1:$G$5,5,0)),\"\")","v":""},{"$f":"IFERROR(IF(OR($D32=\"Single\",$E32=\"Non-applicant\"),$F$46,$F$46+HLOOKUP($E32,$D$40:$H$46,7,0)),0)","v":0},{"$f":"MAX(IF('HEM tables & calculation'!$D$2:$Q$2<G32,'HEM tables & calculation'!$D$2:$Q$2))","v":0},{"$f":"IFERROR(INDEX('HEM tables & calculation'!$A$1:$Q$11,MATCH('HEM tables & calculation'!F32,'HEM tables & calculation'!$B$1:$B$11),MATCH(H32,'HEM tables & calculation'!$A$2:$Q$2))+IF(F32>$D$36,INDEX('HEM tables & calculation'!$A$1:$Q$11,MATCH($C$36,'HEM tables & calculation'!$B$1:$B$11),MATCH(H32,'HEM tables & calculation'!$A$2:$Q$2))*(F32-$D$36),0),\"\")","v":""},{"$f":"IFERROR(INDEX('HEM tables & calculation'!$A$1:$Q$16,MATCH('HEM tables & calculation'!F32,'HEM tables & calculation'!$B$1:$B$10)+5,MATCH(H32,'HEM tables & calculation'!$A$2:$Q$2))+IF(F32>$D$36,INDEX('HEM tables & calculation'!$A$1:$Q$16,MATCH('HEM tables & calculation'!F32,'HEM tables & calculation'!$B$1:$B$10)+6,MATCH(H32,'HEM tables & calculation'!$A$2:$Q$2))*(F32-$D$36),0),\"\")","v":""},{"$f":"IFERROR(IF(OR($D32=\"Single\",$E32=\"Non-applicant\"),'Serviceability calculations'!$E$59,'Serviceability calculations'!$E$59+HLOOKUP($E32,'Serviceability calculations'!$C$1:$H$61,59,0)),\"\")","v":""},{"$f":"IF(D32=\"Couple\",I32,IF(D32=\"Single\",J32,\"\"))","v":""},0]
[null,null,"Applicant 4 as lead",{"$f":"IF(OR('HEM tables & calculation'!D25=\"Y\",'HEM tables & calculation'!E25=\"Y\",'HEM tables & calculation'!F25=\"Y\"),\"\",IF(AND('HEM tables & calculation'!D25=\"N/A\",'HEM tables & calculation'!E25=\"N/A\",'HEM tables & calculation'!F25=\"N/A\",'HEM tables & calculation'!H25=\"N/A\",'HEM tables & calculation'!I25=\"N/A\",'HEM tables & calculation'!J25=\"N/A\"),\"\",IF('HEM tables & calculation'!J25=\"Y\",\"Single\",IF(OR('HEM tables & calculation'!H25=\"Y\",'HEM tables & calculation'!I25=\"Y\"),\"Couple\",\"ERROR\"))))","v":""},{"$f":"IF(D33=\"Couple\",'Serviceability calculations'!F4,\"\")","v":""},{"$f":"IFERROR(IF(OR($D33=\"Single\",$E33=\"Non-applicant\"),'Serviceability calculations'!$F$5,'Serviceability calculations'!$F$5+HLOOKUP($E33,'Serviceability calculations'!$C$1:$G$5,5,0)),\"\")","v":""},{"$f":"IFERROR(IF(OR($D33=\"Single\",$E33=\"Non-applicant\"),$G$46,$G$46+HLOOKUP($E33,$D$40:$H$46,7,0)),0)","v":0},{"$f":"MAX(IF('HEM tables & calculation'!$D$2:$Q$2<G33,'HEM tables & calculation'!$D$2:$Q$2))","v":0},{"$f":"IFERROR(INDEX('HEM tables & calculation'!$A$1:$Q$11,MATCH('HEM tables & calculation'!F33,'HEM tables & calculation'!$B$1:$B$11),MATCH(H33,'HEM tables & calculation'!$A$2:$Q$2))+IF(F33>$D$36,INDEX('HEM tables & calculation'!$A$1:$Q$11,MATCH($C$36,'HEM tables & calculation'!$B$1:$B$11),MATCH(H33,'HEM tables & calculation'!$A$2:$Q$2))*(F33-$D$36),0),\"\")","v":""},{"$f":"IFERROR(INDEX('HEM tables & calculation'!$A$1:$Q$16,MATCH('HEM tables & calculation'!F33,'HEM tables & calculation'!$B$1:$B$10)+5,MATCH(H33,'HEM tables & calculation'!$A$2:$Q$2))+IF(F33>$D$36,INDEX('HEM tables & calculation'!$A$1:$Q$16,MATCH('HEM tables & calculation'!F33,'HEM tables & calculation'!$B$1:$B$10)+6,MATCH(H33,'HEM tables & calculation'!$A$2:$Q$2))*(F33-$D$36),0),\"\")","v":""},{"$f":"IFERROR(IF(OR($D33=\"Single\",$E33=\"Non-applicant\"),'Serviceability calculations'!$F$59,'Serviceability calculations'!$F$59+HLOOKUP($E33,'Serviceability calculations'!$C$1:$H$61,59,0)),\"\")","v":""},{"$f":"IF(D33=\"Couple\",I33,IF(D33=\"Single\",J33,\"\"))","v":""},0]
[null,null,"Applicant 5 as lead",{"$f":"IF(OR('HEM tables & calculation'!D26=\"Y\",'HEM tables & calculation'!E26=\"Y\",'HEM tables & calculation'!F26=\"Y\"),\"\",IF(AND('HEM tables & calculation'!D26=\"N/A\",'HEM tables & calculation'!E26=\"N/A\",'HEM tables & calculation'!F26=\"N/A\",'HEM tables & calculation'!G26=\"N/A\",'HEM tables & calculation'!I26=\"N/A\",'HEM tables & calculation'!J26=\"N/A\"),\"\",IF('HEM tables & calculation'!J26=\"Y\",\"Single\",IF(OR('HEM tables & calculation'!H26=\"Y\",'HEM tables & calculation'!I26=\"Y\"),\"Couple\",\"ERROR\"))))","v":""},{"$f":"IF(D34=\"Couple\",'Serviceability calculations'!G4,\"\")","v":""},{"$f":"IFERROR(IF(OR($D34=\"Single\",$E34=\"Non-applicant\"),'Serviceability calculations'!$G$5,'Serviceability calculations'!$G$5+HLOOKUP($E34,'Serviceability calculations'!$C$1:$G$5,5,0)),\"\")","v":""},{"$f":"IFERROR(IF(OR($D34=\"Single\",$E34=\"Non-applicant\"),$H$46,$H$46+HLOOKUP($E34,$D$40:$H$46,7,0)),0)","v":0},{"$f":"MAX(IF('HEM tables & calculation'!$D$2:$Q$2<G34,'HEM tables & calculation'!$D$2:$Q$2))","v":0},{"$f":"IFERROR(INDEX('HEM tables & calculation'!$A$1:$Q$11,MATCH('HEM tables & calculation'!F34,'HEM tables & calculation'!$B$1:$B$11),MATCH(H34,'HEM tables & calculation'!$A$2:$Q$2))+IF(F34>$D$36,INDEX('HEM tables & calculation'!$A$1:$Q$11,MATCH($C$36,'HEM tables & calculation'!$B$1:$B$11),MATCH(H34,'HEM tables & calculation'!$A$2:$Q$2))*(F34-$D$36),0),\"\")","v":""},{"$f":"IFERROR(INDEX('HEM tables & calculation'!$A$1:$Q$16,MATCH('HEM tables & calculation'!F34,'HEM tables & calculation'!$B$1:$B$10)+5,MATCH(H34,'HEM tables & calculation'!$A$2:$Q$2))+IF(F34>$D$36,INDEX('HEM tables & calculation'!$A$1:$Q$16,MATCH('HEM tables & calculation'!F34,'HEM tables & calculation'!$B$1:$B$10)+6,MATCH(H34,'HEM tables & calculation'!$A$2:$Q$2))*(F34-$D$36),0),\"\")","v":""},{"$f":"IFERROR(IF(OR($D34=\"Single\",$E34=\"Non-applicant\"),'Serviceability calculations'!$G$59,'Serviceability calculations'!$G$59+HLOOKUP($E34,'Serviceability calculations'!$C$1:$H$61,59,0)),\"\")","v":""},{"$f":"IF(D34=\"Couple\",I34,IF(D34=\"Single\",J34,\"\"))","v":""},0]
[null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(K30:K34)","v":0},{"$f":"SUM(L30:L34)","v":0},{"$f":"SUM(M30:M34)","v":0},"Now looks at individual level CDLE vs HEM and summing up"]
[null,null,"Add dep",3]
[]
[]
[null,null,null,"Non-shaved income (for HEM purposes)"]
[null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5"]
[null,null,"Gross salary",{"$f":"'Serviceability calculations'!L17+'Serviceability calculations'!L18","v":0},{"$f":"'Serviceability calculations'!M17+'Serviceability calculations'!M18","v":0},{"$f":"'Serviceability calculations'!N17+'Serviceability calculations'!N18","v":0},{"$f":"'Serviceability calculations'!O17+'Serviceability calculations'!O18","v":0},{"$f":"'Serviceability calculations'!P17+'Serviceability calculations'!P18","v":0}]
[null,null,"Comm/Otime",{"$f":"SUM('Serviceability calculations'!L19:L21)","v":0},{"$f":"SUM('Serviceability calculations'!M19:M21)","v":0},{"$f":"SUM('Serviceability calculations'!N19:N21)","v":0},{"$f":"SUM('Serviceability calculations'!O19:O21)","v":0},{"$f":"SUM('Serviceability calculations'!P19:P21)","v":0}]
[null,null,"Bonus",{"$f":"'Serviceability calculations'!L22","v":0},{"$f":"'Serviceability calculations'!M22","v":0},{"$f":"'Serviceability calculations'!N22","v":0},{"$f":"'Serviceability calculations'!O22","v":0},{"$f":"'Serviceability calculations'!P22","v":0}]
[null,null,"Investment",{"$f":"'Serviceability calculations'!L23","v":0},{"$f":"'Serviceability calculations'!M23","v":0},{"$f":"'Serviceability calculations'!N23","v":0},{"$f":"'Serviceability calculations'!O23","v":0},{"$f":"'Serviceability calculations'!P23","v":0}]
[null,null,"Foreign",{"$f":"'Serviceability calculations'!L24","v":0},{"$f":"'Serviceability calculations'!M24","v":0},{"$f":"'Serviceability calculations'!N24","v":0},{"$f":"'Serviceability calculations'!O24","v":0},{"$f":"'Serviceability calculations'!P24","v":0}]
[null,null,null,{"$f":"SUM(D41:D45)","v":0},{"$f":"SUM(E41:E45)","v":0},{"$f":"SUM(F41:F45)","v":0},0,0]

{"sheet":"Summary (NTBS)","index":7,"n_rows":43,"n_cols":8,"rows_kept":43,"cut":false,"hidden":false,"merged":[[20,2,20,7],[0,1,1,1]]}
[null,"Monthly figures for NTBS"]
[null,null,"Borrower 1","Borrower 2","Borrower 3","Borrower 4","Borrower 5","TOTAL"]
[null,"I -  Gross Salary/Wages",{"$f":"('Serviceability calculations'!C26-'Serviceability calculations'!C24-'Serviceability calculations'!C25)/12","v":0},{"$f":"('Serviceability calculations'!D26-'Serviceability calculations'!D24-'Serviceability calculations'!D25)/12","v":0},{"$f":"('Serviceability calculations'!E26-'Serviceability calculations'!E24-'Serviceability calculations'!E25)/12","v":0},{"$f":"('Serviceability calculations'!F26-'Serviceability calculations'!F24-'Serviceability calculations'!F25)/12","v":0},{"$f":"('Serviceability calculations'!G26-'Serviceability calculations'!G24-'Serviceability calculations'!G25)/12","v":0},{"$f":"SUM(C3:G3)","v":0}]
[]
[null,"Non-taxed income (added post-tax)",{"$f":"'Serviceability calculations'!C47/12","v":0},{"$f":"'Serviceability calculations'!D47/12","v":0},{"$f":"'Serviceability calculations'!E47/12","v":0},{"$f":"'Serviceability calculations'!F47/12","v":0},{"$f":"'Serviceability calculations'!G47/12","v":0},{"$f":"SUM(C5:G5)","v":0}]
[]
[null,{"$f":"IF('Rental Income'!H6=\"\",\"\",\"Rental Income (Property 1) @ \" & RIGHT('Rental Income'!E6,5))","v":""},{"$f":"IF($B7=\"\",\"\",'Rental Income'!$J6*'Rental Income'!O6*(52/12))","v":""},{"$f":"IF($B7=\"\",\"\",'Rental Income'!$J6*'Rental Income'!P6*(52/12))","v":""},{"$f":"IF($B7=\"\",\"\",'Rental Income'!$J6*'Rental Income'!Q6*(52/12))","v":""},{"$f":"IF($B7=\"\",\"\",'Rental Income'!$J6*'Rental Income'!R6*(52/12))","v":""},{"$f":"IF($B7=\"\",\"\",'Rental Income'!$J6*'Rental Income'!S6*(52/12))","v":""},{"$f":"SUM(C7:G7)","v":0}]
[null,{"$f":"IF('Rental Income'!H7=\"\",\"\",\"Rental Income (Property 2) @ \" & RIGHT('Rental Income'!E7,5))","v":""},{"$f":"IF($B8=\"\",\"\",'Rental Income'!$J7*'Rental Income'!O7*(52/12))","v":""},{"$f":"IF($B8=\"\",\"\",'Rental Income'!$J7*'Rental Income'!P7*(52/12))","v":""},{"$f":"IF($B8=\"\",\"\",'Rental Income'!$J7*'Rental Income'!Q7*(52/12))","v":""},{"$f":"IF($B8=\"\",\"\",'Rental Income'!$J7*'Rental Income'!R7*(52/12))","v":""},{"$f":"IF($B8=\"\",\"\",'Rental Income'!$J7*'Rental Income'!S7*(52/12))","v":""},0]
[null,{"$f":"IF('Rental Income'!H8=\"\",\"\",\"Rental Income (Property 3) @ \" & RIGHT('Rental Income'!E8,5))","v":""},{"$f":"IF($B9=\"\",\"\",'Rental Income'!$J8*'Rental Income'!O8*(52/12))","v":""},{"$f":"IF($B9=\"\",\"\",'Rental Income'!$J8*'Rental Income'!P8*(52/12))","v":""},{"$f":"IF($B9=\"\",\"\",'Rental Income'!$J8*'Rental Income'!Q8*(52/12))","v":""},{"$f":"IF($B9=\"\",\"\",'Rental Income'!$J8*'Rental Income'!R8*(52/12))","v":""},{"$f":"IF($B9=\"\",\"\",'Rental Income'!$J8*'Rental Income'!S8*(52/12))","v":""},0]
[null,{"$f":"IF('Rental Income'!H9=\"\",\"\",\"Rental Income (Property 4) @ \" & RIGHT('Rental Income'!E9,5))","v":""},{"$f":"IF($B10=\"\",\"\",'Rental Income'!$J9*'Rental Income'!O9*(52/12))","v":""},{"$f":"IF($B10=\"\",\"\",'Rental Income'!$J9*'Rental Income'!P9*(52/12))","v":""},{"$f":"IF($B10=\"\",\"\",'Rental Income'!$J9*'Rental Income'!Q9*(52/12))","v":""},{"$f":"IF($B10=\"\",\"\",'Rental Income'!$J9*'Rental Income'!R9*(52/12))","v":""},{"$f":"IF($B10=\"\",\"\",'Rental Income'!$J9*'Rental Income'!S9*(52/12))","v":""},0]
[null,{"$f":"IF('Rental Income'!H10=\"\",\"\",\"Rental Income (Property 5) @ \" & RIGHT('Rental Income'!E10,5))","v":""},{"$f":"IF($B11=\"\",\"\",'Rental Income'!$J10*'Rental Income'!O10*(52/12))","v":""},{"$f":"IF($B11=\"\",\"\",'Rental Income'!$J10*'Rental Income'!P10*(52/12))","v":""},{"$f":"IF($B11=\"\",\"\",'Rental Income'!$J10*'Rental Income'!Q10*(52/12))","v":""},{"$f":"IF($B11=\"\",\"\",'Rental Income'!$J10*'Rental Income'!R10*(52/12))","v":""},{"$f":"IF($B11=\"\",\"\",'Rental Income'!$J10*'Rental Income'!S10*(52/12))","v":""},0]
[null,{"$f":"IF('Rental Income'!H11=\"\",\"\",\"Rental Income (Property 6) @ \" & RIGHT('Rental Income'!E11,5))","v":""},{"$f":"IF($B12=\"\",\"\",'Rental Income'!$J11*'Rental Income'!O11*(52/12))","v":""},{"$f":"IF($B12=\"\",\"\",'Rental Income'!$J11*'Rental Income'!P11*(52/12))","v":""},{"$f":"IF($B12=\"\",\"\",'Rental Income'!$J11*'Rental Income'!Q11*(52/12))","v":""},{"$f":"IF($B12=\"\",\"\",'Rental Income'!$J11*'Rental Income'!R11*(52/12))","v":""},{"$f":"IF($B12=\"\",\"\",'Rental Income'!$J11*'Rental Income'!S11*(52/12))","v":""},0]
[null,{"$f":"IF('Rental Income'!H12=\"\",\"\",\"Rental Income (Property 7) @ \" & RIGHT('Rental Income'!E12,5))","v":""},{"$f":"IF($B13=\"\",\"\",'Rental Income'!$J12*'Rental Income'!O12*(52/12))","v":""},{"$f":"IF($B13=\"\",\"\",'Rental Income'!$J12*'Rental Income'!P12*(52/12))","v":""},{"$f":"IF($B13=\"\",\"\",'Rental Income'!$J12*'Rental Income'!Q12*(52/12))","v":""},{"$f":"IF($B13=\"\",\"\",'Rental Income'!$J12*'Rental Income'!R12*(52/12))","v":""},{"$f":"IF($B13=\"\",\"\",'Rental Income'!$J12*'Rental Income'!S12*(52/12))","v":""},0]
[null,{"$f":"IF('Rental Income'!H13=\"\",\"\",\"Rental Income (Property 8) @ \" & RIGHT('Rental Income'!E13,5))","v":""},{"$f":"IF($B14=\"\",\"\",'Rental Income'!$J13*'Rental Income'!O13*(52/12))","v":""},{"$f":"IF($B14=\"\",\"\",'Rental Income'!$J13*'Rental Income'!P13*(52/12))","v":""},{"$f":"IF($B14=\"\",\"\",'Rental Income'!$J13*'Rental Income'!Q13*(52/12))","v":""},{"$f":"IF($B14=\"\",\"\",'Rental Income'!$J13*'Rental Income'!R13*(52/12))","v":""},{"$f":"IF($B14=\"\",\"\",'Rental Income'!$J13*'Rental Income'!S13*(52/12))","v":""},0]
[]
[null,"I - Overseas income @ 80%",{"$f":"'Foreign Income'!D5/12","v":0},{"$f":"'Foreign Income'!D6/12","v":0},{"$f":"'Foreign Income'!D7/12","v":0},{"$f":"'Foreign Income'!D8/12","v":0},{"$f":"'Foreign Income'!D9/12","v":0},{"$f":"SUM(C16:G16)","v":0}]
[]
[null,"Gross income",{"$f":"C3+SUM(C7:C16)","v":0},{"$f":"D3+SUM(D7:D16)","v":0},{"$f":"E3+SUM(E7:E16)","v":0},0,0,{"$f":"SUM(C18:G18)","v":0}]
[]
[null,"I-Tax Free Inc (Neg Gear)",{"$f":"'Serviceability calculations'!C29/12","v":0},{"$f":"'Serviceability calculations'!D29/12","v":0},{"$f":"'Serviceability calculations'!E29/12","v":0},{"$f":"'Serviceability calculations'!F29/12","v":0},{"$f":"'Serviceability calculations'!G29/12","v":0},{"$f":"SUM(C20:G20)","v":0}]
[null,null,"NOTE: if negative gearing applies, change the 'I - Gross Salary/Wages' figure to deduct the negative gearing amount"]
[null,"Pre-tax deductions",{"$f":"'Serviceability calculations'!T34","v":0},{"$f":"'Serviceability calculations'!U34","v":0},{"$f":"'Serviceability calculations'!V34","v":0},{"$f":"'Serviceability calculations'!W34","v":0},{"$f":"'Serviceability calculations'!X34","v":0},{"$f":"SUM(C22:G22)","v":0}]
[null,"Taxable income",{"$f":"C18-C20-C22","v":0},{"$f":"D18-D20-D22","v":0},0,0,0,0]
[]
[null,"Tax expense",{"$f":"'Serviceability calculations'!C38/12","v":0},{"$f":"'Serviceability calculations'!D38/12","v":0},{"$f":"'Serviceability calculations'!E38/12","v":0},{"$f":"'Serviceability calculations'!F38/12","v":0},{"$f":"'Serviceability calculations'!G38/12","v":0},0]
[null,"Medicare levy",{"$f":"'Serviceability calculations'!C44/12","v":0},{"$f":"'Serviceability calculations'!D44/12","v":0},{"$f":"'Serviceability calculations'!E44/12","v":0},{"$f":"'Serviceability calculations'!F44/12","v":0},{"$f":"'Serviceability calculations'!G44/12","v":0},{"$f":"SUM(C26:G26)","v":0}]
[null,"HECS",{"$f":"'Serviceability calculations'!C40/12","v":0},{"$f":"'Serviceability calculations'!D40/12","v":0},{"$f":"'Serviceability calculations'!E40/12","v":0},{"$f":"'Serviceability calculations'!F40/12","v":0},{"$f":"'Serviceability calculations'!G40/12","v":0},0]
[null,"Post-tax deductions",{"$f":"'Serviceability calculations'!T18","v":0},{"$f":"'Serviceability calculations'!U18","v":0},{"$f":"'Serviceability calculations'!V18","v":0},{"$f":"'Serviceability calculations'!W18","v":0},{"$f":"'Serviceability calculations'!X18","v":0},0]
[]
[null,"Net income",{"$f":"C23-SUM(C25:C28)+C5","v":0},{"$f":"D23-SUM(D25:D28)+D5","v":0},0,0,0,0]
[]
[null,null,"All applicants",null,null,null,"NMS"]
[null,"Household living expense (max of CDLE & HEM)",{"$f":"'Serviceability calculations'!H61","v":0},null,null,"Net income",{"$f":"'Serviceability calculations'!H49/12","v":0}]
[null,null,null,null,null,"Neg. gearing add back",{"$f":"'Serviceability calculations'!H29/12","v":0}]
[null,"E-Additional Declared Living Exenses",{"$f":"'Serviceability calculations'!H62","v":0},null,null,null,{"$f":"(G33+G34)","v":0}]
[null,"Credit card commitments",{"$f":"'Serviceability calculations'!H52","v":0},null,null,"New loan factored",{"$f":"D43","v":0}]
[null,"Existing loan commitments",{"$f":"'Serviceability calculations'!H54","v":0},null,null,"Existing debt",{"$f":"C37+C36","v":0}]
[null,"Total commitments",{"$f":"SUM(C35:C37)","v":0}]
[null,null,null,null,null,"CDLE (versus HEM)",{"$f":"C33","v":0}]
[null,"Total monthly deductions",{"$f":"H28+H22","v":0},null,null,"General expenses",{"$f":"C35","v":0}]
[null,null,null,null,null,"NMS",{"$f":"G33+G34-G36-G37-G39-G40","v":0}]
[null,"New loan commitment","XX%",{"$f":"IF('New loan details & repayments'!C32=\"Yes\",'New loan details & repayments'!L14,'New loan details & repayments'!J14)","v":0}]
[null,"New loan commitment (w/ buffer)","YY%",{"$f":"'Serviceability calculations'!H55","v":0}]

{"sheet":"New loan details & repayments","index":8,"n_rows":38,"n_cols":17,"rows_kept":38,"cut":false,"hidden":true,"merged":[[27,7,27,8],[33,7,33,8],[1,11,1,13],[1,1,1,10],[15,4,15,5],[15,7,15,8],[20,7,20,8]]}
[]
[null,"New loan details",null,null,null,null,null,null,null,null,null,"If Master Limit"]
[null,null,"Amount","Type","If IO, IO term","Rate","Rate w/ buffer","Assessment rate","Highest rate","Repayment","Repayment\n(w/ buffer)","Repayment","Repayment\n(w/ std buffer)","Repayment\n(w/ ML factor)","Purpose","OO/INV","Purchase/refinance"]
[null,"Split 1",{"$f":"'Customer view page'!E73","v":0},{"$f":"'Customer view page'!L73","v":0},{"$f":"IF(D4=\"IO\",'Customer view page'!M73,0)","v":0},{"$f":"'Customer view page'!N73","v":0},{"$f":"IF(C4=0,0,F4+'All data points & rules'!$F$3)","v":0},{"$f":"IF(C4=0,0,'All data points & rules'!$F$2)","v":0},{"$f":"MAX(G4:H4)","v":0},{"$f":"IF(OR($C$23=0,F4=0),0,ROUND(PMT($F4/12,($C$23-E4)*12,$C4)*(-1),2))","v":0},{"$f":"IF($C$23=0,0,ROUND(PMT($I4/12,($C$23-E4)*12,$C4)*(-1),2))","v":0},{"$f":"IF(OR($C$23=0,F4=0),0,ROUND(PMT($F4/12,$C$34*12,$C4)*(-1),2))","v":0},{"$f":"IF($C$23=0,0,ROUND(PMT($I4/12,$C$34*12,$C4)*(-1),2))","v":0},{"$f":"IF($C$23=0,0,ROUND(PMT($C$35/12,$C$34*12,$C4)*(-1),2))","v":0},{"$f":"IF(C4>0,'Customer view page'!G73,\"\")","v":""},{"$f":"IF(OR(O4=\"\",O4=0),0,IF(OR(O4=Lists!$H$2,O4=Lists!$H$3,O4=Lists!$H$6),\"OO\",\"INV\"))","v":0},{"$f":"IF(OR(O4=\"\",O4=0),0,IF(OR(O4=Lists!$H$2,O4=Lists!$H$4),\"Purchase\",IF(OR(O4=Lists!$H$3,O4=Lists!$H$5),\"Refinance\",\"Other\")))","v":0}]
[null,"Split 2",{"$f":"'Customer view page'!E74","v":0},{"$f":"'Customer view page'!L74","v":0},{"$f":"IF(D5=\"IO\",'Customer view page'!M74,0)","v":0},{"$f":"'Customer view page'!N74","v":0},{"$f":"IF(C5=0,0,F5+'All data points & rules'!$F$3)","v":0},{"$f":"IF(C5=0,0,'All data points & rules'!$F$2)","v":0},0,{"$f":"IF(OR($C$23=0,F5=0),0,ROUND(PMT($F5/12,($C$23-E5)*12,$C5)*(-1),2))","v":0},{"$f":"IF($C$23=0,0,ROUND(PMT($I5/12,($C$23-E5)*12,$C5)*(-1),2))","v":0},{"$f":"IF(OR($C$23=0,F5=0),0,ROUND(PMT($F5/12,$C$34*12,$C5)*(-1),2))","v":0},{"$f":"IF($C$23=0,0,ROUND(PMT($I5/12,$C$34*12,$C5)*(-1),2))","v":0},{"$f":"IF($C$23=0,0,ROUND(PMT($C$35/12,$C$34*12,$C5)*(-1),2))","v":0},{"$f":"IF(C5>0,'Customer view page'!G74,\"\")","v":""},{"$f":"IF(OR(O5=\"\",O5=0),0,IF(OR(O5=Lists!$H$2,O5=Lists!$H$3,O5=Lists!$H$6),\"OO\",\"INV\"))","v":0},{"$f":"IF(OR(O5=\"\",O5=0),0,IF(OR(O5=Lists!$H$2,O5=Lists!$H$4),\"Purchase\",IF(OR(O5=Lists!$H$3,O5=Lists!$H$5),\"Refinance\",\"Other\")))","v":0}]
[null,"Split 3",{"$f":"'Customer view page'!E75","v":0},{"$f":"'Customer view page'!L75","v":0},{"$f":"IF(D6=\"IO\",'Customer view page'!M75,0)","v":0},{"$f":"'Customer view page'!N75","v":0},{"$f":"IF(C6=0,0,F6+'All data points & rules'!$F$3)","v":0},{"$f":"IF(C6=0,0,'All data points & rules'!$F$2)","v":0},0,{"$f":"IF(OR($C$23=0,F6=0),0,ROUND(PMT($F6/12,($C$23-E6)*12,$C6)*(-1),2))","v":0},0,{"$f":"IF(OR($C$23=0,F6=0),0,ROUND(PMT($F6/12,$C$34*12,$C6)*(-1),2))","v":0},{"$f":"IF($C$23=0,0,ROUND(PMT($I6/12,$C$34*12,$C6)*(-1),2))","v":0},{"$f":"IF($C$23=0,0,ROUND(PMT($C$35/12,$C$34*12,$C6)*(-1),2))","v":0},{"$f":"IF(C6>0,'Customer view page'!G75,\"\")","v":""},{"$f":"IF(OR(O6=\"\",O6=0),0,IF(OR(O6=Lists!$H$2,O6=Lists!$H$3,O6=Lists!$H$6),\"OO\",\"INV\"))","v":0},{"$f":"IF(OR(O6=\"\",O6=0),0,IF(OR(O6=Lists!$H$2,O6=Lists!$H$4),\"Purchase\",IF(OR(O6=Lists!$H$3,O6=Lists!$H$5),\"Refinance\",\"Other\")))","v":0}]
[null,"Split 4",{"$f":"'Customer view page'!E76","v":0},{"$f":"'Customer view page'!L76","v":0},{"$f":"IF(D7=\"IO\",'Customer view page'!M76,0)","v":0},{"$f":"'Customer view page'!N76","v":0},{"$f":"IF(C7=0,0,F7+'All data points & rules'!$F$3)","v":0},{"$f":"IF(C7=0,0,'All data points & rules'!$F$2)","v":0},0,0,0,0,0,0,{"$f":"IF(C7>0,'Customer view page'!G76,\"\")","v":""},{"$f":"IF(OR(O7=\"\",O7=0),0,IF(OR(O7=Lists!$H$2,O7=Lists!$H$3,O7=Lists!$H$6),\"OO\",\"INV\"))","v":0},{"$f":"IF(OR(O7=\"\",O7=0),0,IF(OR(O7=Lists!$H$2,O7=Lists!$H$4),\"Purchase\",IF(OR(O7=Lists!$H$3,O7=Lists!$H$5),\"Refinance\",\"Other\")))","v":0}]
[null,"Split 5",{"$f":"'Customer view page'!E77","v":0},{"$f":"'Customer view page'!L77","v":0},{"$f":"IF(D8=\"IO\",'Customer view page'!M77,0)","v":0},{"$f":"'Customer view page'!N77","v":0},{"$f":"IF(C8=0,0,F8+'All data points & rules'!$F$3)","v":0},{"$f":"IF(C8=0,0,'All data points & rules'!$F$2)","v":0},0,0,0,0,0,0,{"$f":"IF(C8>0,'Customer view page'!G77,\"\")","v":""},{"$f":"IF(OR(O8=\"\",O8=0),0,IF(OR(O8=Lists!$H$2,O8=Lists!$H$3,O8=Lists!$H$6),\"OO\",\"INV\"))","v":0},{"$f":"IF(OR(O8=\"\",O8=0),0,IF(OR(O8=Lists!$H$2,O8=Lists!$H$4),\"Purchase\",IF(OR(O8=Lists!$H$3,O8=Lists!$H$5),\"Refinance\",\"Other\")))","v":0}]
[null,"Split 6",{"$f":"'Customer view page'!E78","v":0},{"$f":"'Customer view page'!L78","v":0},{"$f":"IF(D9=\"IO\",'Customer view page'!M78,0)","v":0},{"$f":"'Customer view page'!N78","v":0},{"$f":"IF(C9=0,0,F9+'All data points & rules'!$F$3)","v":0},{"$f":"IF(C9=0,0,'All data points & rules'!$F$2)","v":0},0,0,0,0,0,0,{"$f":"IF(C9>0,'Customer view page'!G78,\"\")","v":""},{"$f":"IF(OR(O9=\"\",O9=0),0,IF(OR(O9=Lists!$H$2,O9=Lists!$H$3,O9=Lists!$H$6),\"OO\",\"INV\"))","v":0},{"$f":"IF(OR(O9=\"\",O9=0),0,IF(OR(O9=Lists!$H$2,O9=Lists!$H$4),\"Purchase\",IF(OR(O9=Lists!$H$3,O9=Lists!$H$5),\"Refinance\",\"Other\")))","v":0}]
[null,"Split 7",{"$f":"'Customer view page'!E79","v":0},{"$f":"'Customer view page'!L79","v":0},{"$f":"IF(D10=\"IO\",'Customer view page'!M79,0)","v":0},{"$f":"'Customer view page'!N79","v":0},{"$f":"IF(C10=0,0,F10+'All data points & rules'!$F$3)","v":0},{"$f":"IF(C10=0,0,'All data points & rules'!$F$2)","v":0},0,0,0,0,0,0,{"$f":"IF(C10>0,'Customer view page'!G79,\"\")","v":""},{"$f":"IF(OR(O10=\"\",O10=0),0,IF(OR(O10=Lists!$H$2,O10=Lists!$H$3,O10=Lists!$H$6),\"OO\",\"INV\"))","v":0},{"$f":"IF(OR(O10=\"\",O10=0),0,IF(OR(O10=Lists!$H$2,O10=Lists!$H$4),\"Purchase\",IF(OR(O10=Lists!$H$3,O10=Lists!$H$5),\"Refinance\",\"Other\")))","v":0}]
[null,"Split 8",{"$f":"'Customer view page'!E80","v":0},{"$f":"'Customer view page'!L80","v":0},{"$f":"IF(D11=\"IO\",'Customer view page'!M80,0)","v":0},{"$f":"'Customer view page'!N80","v":0},{"$f":"IF(C11=0,0,F11+'All data points & rules'!$F$3)","v":0},{"$f":"IF(C11=0,0,'All data points & rules'!$F$2)","v":0},0,0,0,0,0,0,{"$f":"IF(C11>0,'Customer view page'!G80,\"\")","v":""},{"$f":"IF(OR(O11=\"\",O11=0),0,IF(OR(O11=Lists!$H$2,O11=Lists!$H$3,O11=Lists!$H$6),\"OO\",\"INV\"))","v":0},{"$f":"IF(OR(O11=\"\",O11=0),0,IF(OR(O11=Lists!$H$2,O11=Lists!$H$4),\"Purchase\",IF(OR(O11=Lists!$H$3,O11=Lists!$H$5),\"Refinance\",\"Other\")))","v":0}]
[null,"Split 9",{"$f":"'Customer view page'!E81","v":0},{"$f":"'Customer view page'!L81","v":0},{"$f":"IF(D12=\"IO\",'Customer view page'!M81,0)","v":0},{"$f":"'Customer view page'!N81","v":0},{"$f":"IF(C12=0,0,F12+'All data points & rules'!$F$3)","v":0},{"$f":"IF(C12=0,0,'All data points & rules'!$F$2)","v":0},0,0,0,0,0,0,{"$f":"IF(C12>0,'Customer view page'!G81,\"\")","v":""},{"$f":"IF(OR(O12=\"\",O12=0),0,IF(OR(O12=Lists!$H$2,O12=Lists!$H$3,O12=Lists!$H$6),\"OO\",\"INV\"))","v":0},{"$f":"IF(OR(O12=\"\",O12=0),0,IF(OR(O12=Lists!$H$2,O12=Lists!$H$4),\"Purchase\",IF(OR(O12=Lists!$H$3,O12=Lists!$H$5),\"Refinance\",\"Other\")))","v":0}]
[null,"Split 10",{"$f":"'Customer view page'!E82","v":0},{"$f":"'Customer view page'!L82","v":0},{"$f":"IF(D13=\"IO\",'Customer view page'!M82,0)","v":0},{"$f":"'Customer view page'!N82","v":0},{"$f":"IF(C13=0,0,F13+'All data points & rules'!$F$3)","v":0},{"$f":"IF(C13=0,0,'All data points & rules'!$F$2)","v":0},0,{"$f":"IF(OR($C$23=0,F13=0),0,ROUND(PMT($F13/12,($C$23-E13)*12,$C13)*(-1),2))","v":0},0,0,0,0,{"$f":"IF(C13>0,'Customer view page'!G82,\"\")","v":""},{"$f":"IF(OR(O13=\"\",O13=0),0,IF(OR(O13=Lists!$H$2,O13=Lists!$H$3,O13=Lists!$H$6),\"OO\",\"INV\"))","v":0},{"$f":"IF(OR(O13=\"\",O13=0),0,IF(OR(O13=Lists!$H$2,O13=Lists!$H$4),\"Purchase\",IF(OR(O13=Lists!$H$3,O13=Lists!$H$5),\"Refinance\",\"Other\")))","v":0}]
[null,"Total",{"$f":"SUM(C4:C13)","v":0},null,null,null,null,null,null,{"$f":"SUM(J4:J13)","v":0},{"$f":"SUM(K4:K13)","v":0},{"$f":"SUM(L4:L13)","v":0},{"$f":"SUM(M4:M13)","v":0},{"$f":"SUM(N4:N13)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Do not need"]
[null,"LMI capitalised?",false,null,"LMI repayment amount",null,null,"Max loan amount (based on LVR)"]
[null,"LMI amount",{"$f":"IF(OR(C24>'All data points & rules'!$B$2,C28=\"Other\"),0,LMI!C35)","v":0},null,"Non-factored rate",{"$f":"SUMPRODUCT(C4:C13,F4:F13)/SUMPRODUCT(C4:C13)","v":{"$error":"#DIV/0!"}},null,"Max LVR",0.9]
[null,"Loan amount",{"$f":"C14","v":0},null,"Factored rate",{"$f":"SUMPRODUCT(C4:C13,I4:I13)/SUMPRODUCT(C4:C13)","v":{"$error":"#DIV/0!"}},null,"Total sec value",{"$f":"C21","v":0}]
[null,"Loan amount with LMI",{"$f":"IF(C16=TRUE,C18+C17)","v":false},null,"Assumed term",{"$f":"MIN(C23-E4,C23-E5,C23-E6,C23-E7,C23-E8,C23-E9,C23-E10,C23-E11,C23-E12,C23-E13)","v":0},null,"Max loan",{"$f":"I17*I18","v":0}]
[null,null,null,null,"Repayment",{"$f":"-ROUND(PMT(F17/12,F19*12,C17),2)","v":{"$error":"#DIV/0!"}}]
[null,"Security amount",{"$f":"SUM('Customer view page'!E94:E99)","v":0},null,"Factored repayment",{"$f":"-ROUND(PMT(F18/12,F19*12,C17),2)","v":{"$error":"#DIV/0!"}},null,"Max loan amount (based on NMS)"]
[null,null,null,null,null,null,null,"Minimum NMS",0]
[null,"Loan term",{"$f":"'Customer view page'!D70","v":0},null,null,null,null,"Factored rate",{"$f":"F18","v":{"$error":"#DIV/0!"}}]
[null,"LVR",{"$f":"IFERROR(C18/C21,0)","v":0},null,null,null,null,"Assumed term",{"$f":"F19","v":0}]
[null,"LVR with LMI",{"$f":"IF(C16=TRUE,C19/C21)","v":false},null,null,null,null,"Max mth repay",{"$f":"'Serviceability calculations'!C67-'Serviceability calculations'!C70-'Serviceability calculations'!C72-'Serviceability calculations'!C73","v":0}]
[null,null,null,null,null,null,null,"Max loan",{"$f":"-PV(I23/12,I24*12,I25)","v":{"$error":"#DIV/0!"}}]
[null,"Primary purpose (OO/INV)",{"$f":"IF(COUNTIFS(P4:P13,0)=10,\"\",IFERROR(IF(SUMIFS(C4:C13,P4:P13,\"OO\")/C18>0.5,\"OO\",\"INV\"),\"\"))","v":""}]
[null,"Primary purpose",{"$f":"IF(COUNTIFS(Q4:Q13,\"Other\")>0,\"Other\",IF(COUNTIFS(Q4:Q13,0)=10,\"\",IFERROR(IF(SUMIFS(C4:C13,Q4:Q13,\"Purchase\")/C18>0.5,\"Purchase\",\"Refi\"),\"\")))","v":""},null,null,null,null,"Max loan amount (based on DTI 6)"]
[null,"Does loan have IO portion?",{"$f":"IF(SUMIF('Customer view page'!L73:L82,\"IO\",'Customer view page'!E73:E82)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,"Max DTI",5.99]
[null,"Does loan have construction?",{"$f":"IF(SUMIFS('Customer view page'!E73:E82,'Customer view page'!I73:I82,\"Construction\",'Customer view page'!L73:L82,\"IO\")>0,\"Y\",\"N\")","v":"N"},null,null,null,null,"Pre-loan debt",{"$f":"'Serviceability calculations'!G68+'Serviceability calculations'!G69","v":0}]
[null,null,null,null,null,null,null,"Income",{"$f":"'Serviceability calculations'!G79","v":0}]
[null,"Master limit",{"$f":"IF(AND('Customer view page'!F70=\"ProPack\",OR('Customer view page'!H70=\"Yes (5 yrs)\",'Customer view page'!H70=\"Yes (10 yrs)\")),\"Yes\",\"No\")","v":"No"},null,null,null,null,"Max loan",{"$f":"I29*I31-I30","v":0}]
[null,"Years",{"$f":"IF(AND(C32=\"Yes\",'Customer view page'!H70=\"Yes (5 yrs)\"),IF('Customer view page'!M73>0,'Customer view page'!M73,5),IF(AND(C32=\"Yes\",'Customer view page'!H70=\"Yes (10 yrs)\"),IF('Customer view page'!M73>0,'Customer view page'!M73,10),\"\"))","v":""}]
[null,"Assumed term post ML",{"$f":"C23-C33","v":{"$error":"#VALUE!"}},null,null,null,null,"Max loan amount (based on DTI 8)"]
[null,"Factored ML rate",{"$f":"I4","v":0},null,null,null,null,"Max DTI",7.99]
[null,null,null,null,null,null,null,"Pre-loan debt",{"$f":"'Serviceability calculations'!G68+'Serviceability calculations'!G69","v":0}]
[null,"First home buyer",null,null,null,null,null,"Income",{"$f":"'Serviceability calculations'!G79","v":0}]
[null,null,null,null,null,null,null,"Max loan",{"$f":"I35*I37-I36","v":0}]

{"sheet":"Income assessor","index":9,"n_rows":28,"n_cols":52,"rows_kept":28,"cut":false,"hidden":false,"merged":[[0,27,0,28],[1,30,1,39],[9,7,9,18],[11,14,11,18],[12,14,15,18],[11,6,11,13],[1,13,1,14],[1,16,1,18],[1,7,1,11],[14,4,14,6],[15,4,15,6],[1,20,1,28],[16,5,16,6],[0,1,1,5],[0,7,0,14],[20,4,20,6],[21,4,21,6],[26,4,26,6],[27,4,27,6],[24,4,24,6],[25,4,25,6],[18,7,18,11],[22,4,22,6],[23,4,23,6]]}
[null,"PAYG income assessor",null,null,null,null,null,"PLEASE NOTE: two consecutive payslips must be provided to support these figures. However, we only need base/YTD pay of the most recent payslip for this calculator",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Internal use only"]
[null,null,null,null,null,null,null,"Most recent payslip*",null,null,null,null,null,"Previous payslip*",null,null,"Other annual income",null,null,null,"Supporting calculations",null,null,null,null,null,null,null,null,null,"Calculations for non-base income"]
[]
[null,null,"Employment\ntype","Pay cycle","Essential\nservices","Financial year start",null,"Pay period date\n(latest payslip period end date)*","Base salary for this pay\n(inc. regular allowances)*","YTD income received*","Overtime\namount","Commisson amount",null,"Overtime\namount","Commisson amount",null,"Annual non-taxed income","Annual bonus (paid in last 12 months)","Annual investment\n(incl dividends)",null,"Number of payslips this financial year",null,"YTD base","YTD non-base","[If <3 mths]\nPrevious year's non-base",null,"Annualised base","Total YTD annualised","Assessed\nbase",null,"[A] Quoted non-base per pay\n(last two payslips)","[B] Quoted non-base per pay, discounted\n(last two payslips)",null,"[C] Calculated non-base per pay\n(based on YTD)","[If <3 mths]\n[D] Calculated non-base per pay\n(based on last year)","[E] Calculated non-base per pay, discounted\n(if D exists, uses D. Otherwise C)",null,"Anualised non-base acceptable (lower of quoted & calc'd)",null,"Gross income (base, comm, o/time) used\n(incl discount if applic.)",null,"No. of days","Ann. Based * 90%","YTD ann * 110%",null,"Annual base salary","Annual bonus (@ 80%)","Annual bonus (@ 50%)","Annual commission","Annual overtime (non-essential services)","Annual overtime (essential services)","Annual investment"]
[null,{"$f":"'Customer view page'!E14","v":"Applicant 1"},{"$f":"'Customer view page'!E15","v":0},{"$f":"'Customer view page'!E17","v":0},{"$f":"IF('Customer view page'!E16=\"Yes\",\"Yes\",\"No\")","v":"No"},null,{"$f":"IF(SUM('Customer view page'!$E$30:$E$36)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(F5)=FALSE,H5=F5),1,IFERROR(IF(OR(D5=\"Monthly\"),VLOOKUP(MONTH(H5),'Pay periods'!$F$2:$R$14,MONTH(F5)+1,0),ROUNDUP((H5-F5+1)/VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,3,0),0)),\"\"))","v":""},null,{"$f":"IFERROR(I5*U5,0)","v":0},{"$f":"J5-W5","v":0},{"$f":"IF(H16=\"\",\"\",H16-H15)","v":""},null,{"$f":"IFERROR(I5*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR((J5/U5)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR(IF(AB5<AQ5,AB5,IF(AA5>AR5,AB5,AA5))*VLOOKUP(C5,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"(K5+L5+N5+O5)/2","v":0},{"$f":"IFERROR(IF(E5=\"Yes\",(K5+N5)/2*'All data points & rules'!$M$25+(O5+L5)/2*'All data points & rules'!$M$22,(K5+N5)/2*'All data points & rules'!$M$24+(O5+L5)/2*'All data points & rules'!$M$22),0)","v":0},null,{"$f":"IFERROR(X5/U5,0)","v":0},{"$f":"IFERROR(IF($H$16=\"\",\"\",Y5/VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0)),0)","v":""},{"$f":"IFERROR(IF($H$16=\"\",IF(E5=\"Yes\",AH5*'All data points & rules'!$M$25,AH5*'All data points & rules'!$M$24),IF(E5=\"Yes\",AI5*'All data points & rules'!$M$25,AI5*'All data points & rules'!$M$24)),0)","v":0},null,{"$f":"IFERROR(IF(MIN(AF5,AJ5)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0)<0,0,MIN(AF5,AJ5)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C5,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"AC5+AL5","v":0},null,{"$f":"H5-F5","v":0},{"$f":"AA5*0.9","v":0},{"$f":"AB5*1.1","v":0},null,{"$f":"AC5","v":0},{"$f":"IF(R5<='All data points & rules'!$M$27,R5,'All data points & rules'!$M$27)","v":0},{"$f":"IF(R5>'All data points & rules'!$M$27,R5-'All data points & rules'!$M$27,0)","v":0},{"$f":"IFERROR(IF(AJ5<AF5,0,((L5+O5)/2)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C5,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"MAX(IFERROR(IF(E5=\"Yes\",0,IF(AF5<=AJ5,((K5+N5)/2)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),IF($H$16=\"\",AH5*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),AI5*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C5,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"MAX(IFERROR(IF(E5=\"No\",0,IF(AF5<=AJ5,((K5+N5)/2)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),IF($H$16=\"\",AH5*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),AI5*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C5,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"S5","v":0}]
[null,{"$f":"'Customer view page'!G14","v":"N/A"},{"$f":"'Customer view page'!G15","v":0},{"$f":"'Customer view page'!G17","v":0},{"$f":"IF('Customer view page'!G16=\"Yes\",\"Yes\",\"No\")","v":"No"},null,{"$f":"IF(SUM('Customer view page'!$G$30:$G$36)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(F6)=FALSE,H6=F6),1,IFERROR(IF(OR(D6=\"Monthly\"),VLOOKUP(MONTH(H6),'Pay periods'!$F$2:$R$14,MONTH(F6)+1,0),ROUNDUP((H6-F6+1)/VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,3,0),0)),\"\"))","v":""},null,{"$f":"IFERROR(I6*U6,0)","v":0},{"$f":"J6-W6","v":0},{"$f":"IF(I16=\"\",\"\",I16-I15)","v":""},null,{"$f":"IFERROR(I6*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR((J6/U6)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR(IF(AB6<AQ6,AB6,IF(AA6>AR6,AB6,AA6))*VLOOKUP(C6,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"(K6+L6+N6+O6)/2","v":0},{"$f":"IFERROR(IF(E6=\"Yes\",(K6+N6)/2*'All data points & rules'!$M$25+(O6+L6)/2*'All data points & rules'!$M$22,(K6+N6)/2*'All data points & rules'!M24+(O6+L6)/2*'All data points & rules'!$M$22),0)","v":0},null,{"$f":"IFERROR(X6/U6,0)","v":0},{"$f":"IFERROR(IF($I$16=\"\",\"\",Y6/VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0)),0)","v":""},{"$f":"IFERROR(IF($I$16=\"\",IF(E6=\"Yes\",AH6*'All data points & rules'!$M$25,AH6*'All data points & rules'!$M$24),IF(E6=\"Yes\",AI6*'All data points & rules'!$M$25,AI6*'All data points & rules'!$M$24)),0)","v":0},null,{"$f":"IFERROR(IF(MIN(AF6,AJ6)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0)<0,0,MIN(AF6,AJ6)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C6,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"AC6+AL6","v":0},null,{"$f":"H6-F6","v":0},{"$f":"AA6*0.9","v":0},{"$f":"AB6*1.1","v":0},null,{"$f":"AC6","v":0},{"$f":"IF(R6<='All data points & rules'!$M$27,R6,'All data points & rules'!$M$27)","v":0},{"$f":"IF(R6>'All data points & rules'!$M$27,R6-'All data points & rules'!$M$27,0)","v":0},{"$f":"IFERROR(IF(AJ6<AF6,0,((L6+O6)/2)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C6,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"MAX(IFERROR(IF(E6=\"Yes\",0,IF(AF6<=AJ6,((K6+N6)/2)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),IF($I$16=\"\",AH6*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),AI6*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C6,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"MAX(IFERROR(IF(E6=\"No\",0,IF(AF6<=AJ6,((K6+N6)/2)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),IF($I$16=\"\",AH6*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),AI6*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C6,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"S6","v":0}]
[null,{"$f":"'Customer view page'!I14","v":"N/A"},{"$f":"'Customer view page'!I15","v":0},{"$f":"'Customer view page'!I17","v":0},{"$f":"IF('Customer view page'!I16=\"Yes\",\"Yes\",\"No\")","v":"No"},null,{"$f":"IF(SUM('Customer view page'!$I$30:$I$36)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(F7)=FALSE,H7=F7),1,IFERROR(IF(OR(D7=\"Monthly\"),VLOOKUP(MONTH(H7),'Pay periods'!$F$2:$R$14,MONTH(F7)+1,0),ROUNDUP((H7-F7+1)/VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,3,0),0)),\"\"))","v":""},null,{"$f":"IFERROR(I7*U7,0)","v":0},{"$f":"J7-W7","v":0},{"$f":"IF(J16=\"\",\"\",J16-J15)","v":""},null,{"$f":"IFERROR(I7*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR((J7/U7)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR(IF(AB7<AQ7,AB7,IF(AA7>AR7,AB7,AA7))*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"(K7+L7+N7+O7)/2","v":0},{"$f":"IFERROR(IF(E7=\"Yes\",(K7+N7)/2*'All data points & rules'!$M$25+(O7+L7)/2*'All data points & rules'!$M$22,(K7+N7)/2*'All data points & rules'!M24+(O7+L7)/2*'All data points & rules'!$M$22),0)","v":0},null,0,{"$f":"IFERROR(IF($J$16=\"\",\"\",Y7/VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0)),0)","v":""},{"$f":"IFERROR(IF($J$16=\"\",IF(E7=\"Yes\",AH7*'All data points & rules'!$M$25,AH7*'All data points & rules'!$M$24),IF(E7=\"Yes\",AI7*'All data points & rules'!$M$25,AI7*'All data points & rules'!$M$24)),0)","v":0},null,{"$f":"IFERROR(IF(MIN(AF7,AJ7)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0)<0,0,MIN(AF7,AJ7)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"AC7+AL7","v":0},null,{"$f":"H7-F7","v":0},{"$f":"AA7*0.9","v":0},0,null,0,{"$f":"IF(R7<='All data points & rules'!$M$27,R7,'All data points & rules'!$M$27)","v":0},{"$f":"IF(R7>'All data points & rules'!$M$27,R7-'All data points & rules'!$M$27,0)","v":0},{"$f":"IFERROR(IF(AJ7<AF7,0,((L7+O7)/2)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"MAX(IFERROR(IF(E7=\"Yes\",0,IF(AF7<=AJ7,((K7+N7)/2)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),IF($J$16=\"\",AH7*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),AI7*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"MAX(IFERROR(IF(E7=\"No\",0,IF(AF7<=AJ7,((K7+N7)/2)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),IF($J$16=\"\",AH7*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),AI7*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},0]
[null,{"$f":"'Customer view page'!K14","v":"N/A"},{"$f":"'Customer view page'!K15","v":0},{"$f":"'Customer view page'!K17","v":0},{"$f":"IF('Customer view page'!K16=\"Yes\",\"Yes\",\"No\")","v":"No"},null,{"$f":"IF(SUM('Customer view page'!$K$30:$K$36)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(F8)=FALSE,H8=F8),1,IFERROR(IF(OR(D8=\"Monthly\"),VLOOKUP(MONTH(H8),'Pay periods'!$F$2:$R$14,MONTH(F8)+1,0),ROUNDUP((H8-F8+1)/VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,3,0),0)),\"\"))","v":""},null,{"$f":"IFERROR(I8*U8,0)","v":0},{"$f":"J8-W8","v":0},{"$f":"IF(K16=\"\",\"\",K16-K15)","v":""},null,{"$f":"IFERROR(I8*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR((J8/U8)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR(IF(AB8<AQ8,AB8,IF(AA8>AR8,AB8,AA8))*VLOOKUP(C8,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"(K8+L8+N8+O8)/2","v":0},{"$f":"IFERROR(IF(E8=\"Yes\",(K8+N8)/2*'All data points & rules'!$M$25+(O8+L8)/2*'All data points & rules'!$M$22,(K8+N8)/2*'All data points & rules'!M24+(O8+L8)/2*'All data points & rules'!$M$22),0)","v":0},null,0,{"$f":"IFERROR(IF($K$16=\"\",\"\",Y8/VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0)),0)","v":""},{"$f":"IFERROR(IF($K$16=\"\",IF(E8=\"Yes\",AH8*'All data points & rules'!$M$25,AH8*'All data points & rules'!$M$24),IF(E8=\"Yes\",AI8*'All data points & rules'!$M$25,AI8*'All data points & rules'!$M$24)),0)","v":0},null,{"$f":"IFERROR(IF(MIN(AF8,AJ8)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0)<0,0,MIN(AF8,AJ8)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C8,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"AC8+AL8","v":0},null,{"$f":"H8-F8","v":0},0,0,null,0,{"$f":"IF(R8<='All data points & rules'!$M$27,R8,'All data points & rules'!$M$27)","v":0},{"$f":"IF(R8>'All data points & rules'!$M$27,R8-'All data points & rules'!$M$27,0)","v":0},{"$f":"IFERROR(IF(AJ8<AF8,0,((L8+O8)/2)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C8,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"MAX(IFERROR(IF(E8=\"Yes\",0,IF(AF8<=AJ8,((K8+N8)/2)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),IF($K$16=\"\",AH8*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),AI8*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C8,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"MAX(IFERROR(IF(E8=\"No\",0,IF(AF8<=AJ8,((K8+N8)/2)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),IF($K$16=\"\",AH8*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),AI8*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C8,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},0]
[null,{"$f":"'Customer view page'!N14","v":"N/A"},{"$f":"'Customer view page'!N15","v":0},{"$f":"'Customer view page'!N17","v":0},{"$f":"IF('Customer view page'!N16=\"Yes\",\"Yes\",\"No\")","v":"No"},null,{"$f":"IF(SUM('Customer view page'!$N$30:$N$36)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(F9)=FALSE,H9=F9),1,IFERROR(IF(OR(D9=\"Monthly\"),VLOOKUP(MONTH(H9),'Pay periods'!$F$2:$R$14,MONTH(F9)+1,0),ROUNDUP((H9-F9+1)/VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,3,0),0)),\"\"))","v":""},null,{"$f":"IFERROR(I9*U9,0)","v":0},{"$f":"J9-W9","v":0},{"$f":"IF(L16=\"\",\"\",L16-L15)","v":""},null,{"$f":"IFERROR(I9*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR((J9/U9)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR(IF(AB9<AQ9,AB9,IF(AA9>AR9,AB9,AA9))*VLOOKUP(C9,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"(K9+L9+N9+O9)/2","v":0},{"$f":"IFERROR(IF(E9=\"Yes\",(K9+N9)/2*'All data points & rules'!$M$25+(O9+L9)/2*'All data points & rules'!$M$22,(K9+N9)/2*'All data points & rules'!M24+(O9+L9)/2*'All data points & rules'!$M$22),0)","v":0},null,0,{"$f":"IFERROR(IF($L$16=\"\",\"\",Y9/VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0)),0)","v":""},{"$f":"IFERROR(IF($L$16=\"\",IF(E9=\"Yes\",AH9*'All data points & rules'!$M$25,AH9*'All data points & rules'!$M$24),IF(E9=\"Yes\",AI9*'All data points & rules'!$M$25,AI9*'All data points & rules'!$M$24)),0)","v":0},null,{"$f":"IFERROR(IF(MIN(AF9,AJ9)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0)<0,0,MIN(AF9,AJ9)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C9,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"AC9+AL9","v":0},null,{"$f":"H9-F9","v":0},0,0,null,0,{"$f":"IF(R9<='All data points & rules'!$M$27,R9,'All data points & rules'!$M$27)","v":0},{"$f":"IF(R9>'All data points & rules'!$M$27,R9-'All data points & rules'!$M$27,0)","v":0},{"$f":"IFERROR(IF(AJ9<AF9,0,((L9+O9)/2)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C9,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"MAX(IFERROR(IF(E9=\"Yes\",0,IF(AF9<=AJ9,((K9+N9)/2)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),IF($L$16=\"\",AH9*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),AI9*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C9,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"MAX(IFERROR(IF(E9=\"No\",0,IF(AF9<=AJ9,((K9+N9)/2)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),IF($L$16=\"\",AH9*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),AI9*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C9,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},0]
[null,null,null,null,null,null,null,"NOTE: once inputted, all income for serviceability will appear in the main screen, including applicable 'haircutting'. Apply Online data entry is at the bottom of the main screen."]
[]
[null,null,null,null,null,null,{"$f":"IF(OR(AND(AP5<90,AP5>=0,H5<>\"\"),AND(AP6<90,AP6>=0,H6<>\"\"),AND(AP7<90,AP7>=0,H7<>\"\"),AND(AP8<90,AP8>=0,H8<>\"\"),AND(AP9<90,AP9>=0,H9<>\"\")),\"NOTE! More information needed for below borrowers with <3 months of income\",\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(OR(AB5<AA5,AB6<AA6,AB7<AA7,AB8<AA8,AB9<AA9),\"WARNING - please check\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O12<>\"\",\"For 1 or more borrowers, the YTD income does not support the declared base amount. This may occur if the borrower has recently increased their salary or working days per week.\",\"\")","v":""}]
[null,null,null,null,null,null,null,{"$f":"IF(AND($G$12<>\"\",$AP$5<90,$AP$5>=0,ISBLANK($H$5)=FALSE),B5,\"\")","v":""},{"$f":"IF(AND($G$12<>\"\",$AP$6<90,$AP$6>=0,ISBLANK($H$6)=FALSE),B6,\"\")","v":""},{"$f":"IF(AND($G$12<>\"\",$AP$7<90,$AP$7>=0,ISBLANK($H$7)=FALSE),B7,\"\")","v":""},{"$f":"IF(AND($G$12<>\"\",$AP$8<90,$AP$8>=0,ISBLANK($H$8)=FALSE),B8,\"\")","v":""},{"$f":"IF(AND($G$12<>\"\",$AP$9<90,$AP$9>=0,ISBLANK($H$9)=FALSE),B9,\"\")","v":""}]
[null,null,null,null,{"$f":"IF(G12=\"\",\"\",\"Previous year's base salary\")","v":""}]
[null,"Internal use only",null,null,{"$f":"IF(G12=\"\",\"\",\"Previous year's total income\")","v":""}]
[]
[]
[null,null,null,null,null,null,null,"Apply Online data entry"]
[null,null,null,null,null,null,null,{"$f":"'Customer view page'!E123","v":"Applicant 1"},{"$f":"'Customer view page'!G123","v":"N/A"},{"$f":"'Customer view page'!I123","v":"N/A"},{"$f":"'Customer view page'!K123","v":"N/A"},{"$f":"'Customer view page'!N123","v":"N/A"}]
[null,null,null,null,"Annual base salary",null,null,{"$f":"'Customer view page'!E124","v":0},{"$f":"'Customer view page'!G124","v":0},{"$f":"'Customer view page'!I124","v":0},{"$f":"'Customer view page'!K124","v":0},{"$f":"'Customer view page'!N124","v":0}]
[null,null,null,null,"Annual bonus",null,null,{"$f":"'Customer view page'!E126","v":0},{"$f":"'Customer view page'!G126","v":0},{"$f":"'Customer view page'!I126","v":0},{"$f":"'Customer view page'!K126","v":0},{"$f":"'Customer view page'!N126","v":0}]
[null,null,null,null,"Annual commission",null,null,{"$f":"'Customer view page'!E127","v":0},{"$f":"'Customer view page'!G127","v":0},{"$f":"'Customer view page'!I127","v":0},{"$f":"'Customer view page'!K127","v":0},{"$f":"'Customer view page'!N127","v":0}]
[null,null,null,null,"Annual overtime (non-essential services)",null,null,{"$f":"'Customer view page'!E128","v":0},{"$f":"'Customer view page'!G128","v":0},{"$f":"'Customer view page'!I128","v":0},{"$f":"'Customer view page'!K128","v":0},{"$f":"'Customer view page'!N128","v":0}]
[null,null,null,null,"Annual overtime (essential services)",null,null,{"$f":"'Customer view page'!E129","v":0},{"$f":"'Customer view page'!G129","v":0},{"$f":"'Customer view page'!I129","v":0},{"$f":"'Customer view page'!K129","v":0},{"$f":"'Customer view page'!N129","v":0}]
[null,null,null,null,"Annual investment",null,null,{"$f":"'Customer view page'!E130","v":0},{"$f":"'Customer view page'!G130","v":0},{"$f":"'Customer view page'!I130","v":0},{"$f":"'Customer view page'!K130","v":0},{"$f":"'Customer view page'!N130","v":0}]
[null,null,null,null,"Foreign income",null,null,{"$f":"'Customer view page'!E131","v":0},{"$f":"'Customer view page'!G131","v":0},{"$f":"'Customer view page'!I131","v":0},{"$f":"'Customer view page'!K131","v":0},{"$f":"'Customer view page'!N131","v":0}]
[null,null,null,null,"Non-taxed income (enter as annuity)",null,null,{"$f":"'Customer view page'!E132","v":0},{"$f":"'Customer view page'!G132","v":0},{"$f":"'Customer view page'!I132","v":0},{"$f":"'Customer view page'!K132","v":0},{"$f":"'Customer view page'!N132","v":0}]

{"sheet":"Income assessor (2)","index":10,"n_rows":28,"n_cols":52,"rows_kept":28,"cut":false,"hidden":false,"merged":[[1,30,1,39],[1,16,1,18],[18,7,18,11],[0,1,1,5],[0,7,0,14],[1,7,1,11],[1,13,1,14],[9,7,9,18],[11,6,11,13],[11,14,11,18],[12,14,15,18],[16,5,16,6],[14,4,14,6],[15,4,15,6],[1,20,1,28],[0,27,0,28],[27,4,27,6],[26,4,26,6],[20,4,20,6],[21,4,21,6],[22,4,22,6],[23,4,23,6],[24,4,24,6],[25,4,25,6]]}
[null,"PAYG income assessor (2nd job)",null,null,null,null,null,"PLEASE NOTE: two consecutive payslips must be provided to support these figures. However, we only need base/YTD pay of most recent payslip for this calculator",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Internal use only"]
[null,null,null,null,null,null,null,"Most recent payslip of 2nd job*",null,null,null,null,null,"Previous payslip*",null,null,"Other annual income of 2nd job",null,null,null,"Supporting calculations",null,null,null,null,null,null,null,null,null,"Calculations for non-base income"]
[]
[null,null,"Employment\ntype for 2nd job","Pay cycle of 2nd job","Essential\nservices","Financial year start",null,"Pay period date*\n(latest payslip period end date)*","Base salary for this pay\n(inc. regular allowances)*","YTD income received*","Overtime\namount","Commisson amount",null,"Overtime\namount","Commisson amount",null,"Annual non-taxed income","Annual bonus (paid in last 12 months)","Annual investment\n(incl dividends)",null,"Number of payslips this financial year",null,"YTD base","YTD non-base","[If <3 mths]\nPrevious year's non-base",null,"Annualised base","Total YTD annualised","Assessed\nbase",null,"[A] Quoted non-base per pay\n(last two payslips)","[B] Quoted non-base per pay, discounted\n(last two payslips)",null,"[C] Calculated non-base per pay\n(based on YTD)","[If <3 mths]\n[D] Calculated non-base per pay\n(based on last year)","[E] Calculated non-base per pay, discounted\n(if D exists, uses D. Otherwise C)",null,"Anualised non-base acceptable (lower of quoted & calc'd)",null,"Gross income (base, comm, o/time) used\n(incl discount if applic.)",null,"No. of days","Ann. Based * 90%","YTD ann * 110%",null,"Annual base salary","Annual bonus (@ 80%)","Annual bonus (@ 50%)","Annual commission","Annual overtime (non-essential services)","Annual overtime (essential services)","Annual investment"]
[null,{"$f":"'Income assessor'!B5","v":"Applicant 1"},null,null,null,null,{"$f":"IF(SUM('Customer view page'!$E$30:$E$36)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(F5)=FALSE,H5=F5),1,IFERROR(IF(OR(D5=\"Monthly\"),VLOOKUP(MONTH(H5),'Pay periods'!$F$2:$R$14,MONTH(F5)+1,0),ROUNDUP((H5-F5+1)/VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,3,0),0)),\"\"))","v":""},null,{"$f":"IFERROR(I5*U5,0)","v":0},{"$f":"J5-W5","v":0},{"$f":"IF(H16=\"\",\"\",H16-H15)","v":""},null,{"$f":"IFERROR(I5*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR((J5/U5)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR(IF(AB5<AQ5,AB5,IF(AA5>AR5,AB5,AA5))*VLOOKUP(C5,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"(K5+L5+N5+O5)/2","v":0},{"$f":"IFERROR(IF(E5=\"Yes\",(K5+N5)/2*'All data points & rules'!$M$25+(O5+L5)/2*'All data points & rules'!$M$22,(K5+N5)/2*'All data points & rules'!$M$24+(O5+L5)/2*'All data points & rules'!$M$22),0)","v":0},null,{"$f":"IFERROR(X5/U5,0)","v":0},{"$f":"IFERROR(IF($H$16=\"\",\"\",Y5/VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0)),0)","v":""},{"$f":"IFERROR(IF($H$16=\"\",IF(E5=\"Yes\",AH5*'All data points & rules'!$M$25,AH5*'All data points & rules'!$M$24),IF(E5=\"Yes\",AI5*'All data points & rules'!$M$25,AI5*'All data points & rules'!$M$24)),0)","v":0},null,{"$f":"IFERROR(IF(MIN(AF5,AJ5)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0)<0,0,MIN(AF5,AJ5)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C5,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"AC5+AL5","v":0},null,{"$f":"H5-F5","v":0},{"$f":"AA5*0.9","v":0},{"$f":"AB5*1.1","v":0},null,{"$f":"AC5","v":0},{"$f":"IF(R5<='All data points & rules'!$M$27,R5,'All data points & rules'!$M$27)","v":0},{"$f":"IF(R5>'All data points & rules'!$M$27,R5-'All data points & rules'!$M$27,0)","v":0},{"$f":"IFERROR(IF(AJ5<AF5,0,((L5+O5)/2)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C5,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"MAX(IFERROR(IF(E5=\"Yes\",0,IF(AF5<=AJ5,((K5+N5)/2)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),IF($H$16=\"\",AH5*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),AI5*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C5,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"MAX(IFERROR(IF(E5=\"No\",0,IF(AF5<=AJ5,((K5+N5)/2)*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),IF($H$16=\"\",AH5*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0),AI5*VLOOKUP(D5,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C5,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"S5","v":0}]
[null,{"$f":"'Income assessor'!B6","v":"N/A"},null,null,null,null,{"$f":"IF(SUM('Customer view page'!$G$30:$G$36)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(F6)=FALSE,H6=F6),1,IFERROR(IF(OR(D6=\"Monthly\"),VLOOKUP(MONTH(H6),'Pay periods'!$F$2:$R$14,MONTH(F6)+1,0),ROUNDUP((H6-F6+1)/VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,3,0),0)),\"\"))","v":""},null,{"$f":"IFERROR(I6*U6,0)","v":0},{"$f":"J6-W6","v":0},{"$f":"IF(I16=\"\",\"\",I16-I15)","v":""},null,{"$f":"IFERROR(I6*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR((J6/U6)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR(IF(AB6<AQ6,AB6,IF(AA6>AR6,AB6,AA6))*VLOOKUP(C6,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"(K6+L6+N6+O6)/2","v":0},{"$f":"IFERROR(IF(E6=\"Yes\",(K6+N6)/2*'All data points & rules'!$M$25+(O6+L6)/2*'All data points & rules'!$M$22,(K6+N6)/2*'All data points & rules'!M24+(O6+L6)/2*'All data points & rules'!$M$22),0)","v":0},null,{"$f":"IFERROR(X6/U6,0)","v":0},{"$f":"IFERROR(IF($I$16=\"\",\"\",Y6/VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0)),0)","v":""},{"$f":"IFERROR(IF($I$16=\"\",IF(E6=\"Yes\",AH6*'All data points & rules'!$M$25,AH6*'All data points & rules'!$M$24),IF(E6=\"Yes\",AI6*'All data points & rules'!$M$25,AI6*'All data points & rules'!$M$24)),0)","v":0},null,{"$f":"IFERROR(IF(MIN(AF6,AJ6)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0)<0,0,MIN(AF6,AJ6)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C6,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"AC6+AL6","v":0},null,{"$f":"H6-F6","v":0},{"$f":"AA6*0.9","v":0},{"$f":"AB6*1.1","v":0},null,{"$f":"AC6","v":0},{"$f":"IF(R6<='All data points & rules'!$M$27,R6,'All data points & rules'!$M$27)","v":0},{"$f":"IF(R6>'All data points & rules'!$M$27,R6-'All data points & rules'!$M$27,0)","v":0},{"$f":"IFERROR(IF(AJ6<AF6,0,((L6+O6)/2)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C6,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"MAX(IFERROR(IF(E6=\"Yes\",0,IF(AF6<=AJ6,((K6+N6)/2)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),IF($I$16=\"\",AH6*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),AI6*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C6,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"MAX(IFERROR(IF(E6=\"No\",0,IF(AF6<=AJ6,((K6+N6)/2)*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),IF($I$16=\"\",AH6*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0),AI6*VLOOKUP(D6,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C6,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"S6","v":0}]
[null,{"$f":"'Income assessor'!B7","v":"N/A"},null,null,null,null,{"$f":"IF(SUM('Customer view page'!$I$30:$I$36)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(F7)=FALSE,H7=F7),1,IFERROR(IF(OR(D7=\"Monthly\"),VLOOKUP(MONTH(H7),'Pay periods'!$F$2:$R$14,MONTH(F7)+1,0),ROUNDUP((H7-F7+1)/VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,3,0),0)),\"\"))","v":""},null,{"$f":"IFERROR(I7*U7,0)","v":0},{"$f":"J7-W7","v":0},{"$f":"IF(J16=\"\",\"\",J16-J15)","v":""},null,{"$f":"IFERROR(I7*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR((J7/U7)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR(IF(AB7<AQ7,AB7,IF(AA7>AR7,AB7,AA7))*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"(K7+L7+N7+O7)/2","v":0},{"$f":"IFERROR(IF(E7=\"Yes\",(K7+N7)/2*'All data points & rules'!$M$25+(O7+L7)/2*'All data points & rules'!$M$22,(K7+N7)/2*'All data points & rules'!M24+(O7+L7)/2*'All data points & rules'!$M$22),0)","v":0},null,{"$f":"IFERROR(X7/U7,0)","v":0},{"$f":"IFERROR(IF($J$16=\"\",\"\",Y7/VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0)),0)","v":""},{"$f":"IFERROR(IF($J$16=\"\",IF(E7=\"Yes\",AH7*'All data points & rules'!$M$25,AH7*'All data points & rules'!$M$24),IF(E7=\"Yes\",AI7*'All data points & rules'!$M$25,AI7*'All data points & rules'!$M$24)),0)","v":0},null,{"$f":"IFERROR(IF(MIN(AF7,AJ7)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0)<0,0,MIN(AF7,AJ7)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"AC7+AL7","v":0},null,{"$f":"H7-F7","v":0},{"$f":"AA7*0.9","v":0},0,null,0,{"$f":"IF(R7<='All data points & rules'!$M$27,R7,'All data points & rules'!$M$27)","v":0},{"$f":"IF(R7>'All data points & rules'!$M$27,R7-'All data points & rules'!$M$27,0)","v":0},{"$f":"IFERROR(IF(AJ7<AF7,0,((L7+O7)/2)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"MAX(IFERROR(IF(E7=\"Yes\",0,IF(AF7<=AJ7,((K7+N7)/2)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),IF($J$16=\"\",AH7*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),AI7*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"MAX(IFERROR(IF(E7=\"No\",0,IF(AF7<=AJ7,((K7+N7)/2)*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),IF($J$16=\"\",AH7*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0),AI7*VLOOKUP(D7,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C7,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},0]
[null,{"$f":"'Income assessor'!B8","v":"N/A"},null,null,null,null,{"$f":"IF(SUM('Customer view page'!$K$30:$K$36)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(F8)=FALSE,H8=F8),1,IFERROR(IF(OR(D8=\"Monthly\"),VLOOKUP(MONTH(H8),'Pay periods'!$F$2:$R$14,MONTH(F8)+1,0),ROUNDUP((H8-F8+1)/VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,3,0),0)),\"\"))","v":""},null,{"$f":"IFERROR(I8*U8,0)","v":0},{"$f":"J8-W8","v":0},{"$f":"IF(K16=\"\",\"\",K16-K15)","v":""},null,{"$f":"IFERROR(I8*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR((J8/U8)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR(IF(AB8<AQ8,AB8,IF(AA8>AR8,AB8,AA8))*VLOOKUP(C8,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"(K8+L8+N8+O8)/2","v":0},{"$f":"IFERROR(IF(E8=\"Yes\",(K8+N8)/2*'All data points & rules'!$M$25+(O8+L8)/2*'All data points & rules'!$M$22,(K8+N8)/2*'All data points & rules'!M24+(O8+L8)/2*'All data points & rules'!$M$22),0)","v":0},null,{"$f":"IFERROR(X8/U8,0)","v":0},{"$f":"IFERROR(IF($K$16=\"\",\"\",Y8/VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0)),0)","v":""},{"$f":"IFERROR(IF($K$16=\"\",IF(E8=\"Yes\",AH8*'All data points & rules'!$M$25,AH8*'All data points & rules'!$M$24),IF(E8=\"Yes\",AI8*'All data points & rules'!$M$25,AI8*'All data points & rules'!$M$24)),0)","v":0},null,{"$f":"IFERROR(IF(MIN(AF8,AJ8)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0)<0,0,MIN(AF8,AJ8)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C8,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"AC8+AL8","v":0},null,{"$f":"H8-F8","v":0},0,0,null,0,{"$f":"IF(R8<='All data points & rules'!$M$27,R8,'All data points & rules'!$M$27)","v":0},{"$f":"IF(R8>'All data points & rules'!$M$27,R8-'All data points & rules'!$M$27,0)","v":0},{"$f":"IFERROR(IF(AJ8<AF8,0,((L8+O8)/2)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C8,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"MAX(IFERROR(IF(E8=\"Yes\",0,IF(AF8<=AJ8,((K8+N8)/2)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),IF($K$16=\"\",AH8*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),AI8*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C8,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"MAX(IFERROR(IF(E8=\"No\",0,IF(AF8<=AJ8,((K8+N8)/2)*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),IF($K$16=\"\",AH8*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0),AI8*VLOOKUP(D8,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C8,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},0]
[null,{"$f":"'Income assessor'!B9","v":"N/A"},null,null,null,null,{"$f":"IF(SUM('Customer view page'!$N$30:$N$36)>0,\"Y\",\"N\")","v":"N"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(F9)=FALSE,H9=F9),1,IFERROR(IF(OR(D9=\"Monthly\"),VLOOKUP(MONTH(H9),'Pay periods'!$F$2:$R$14,MONTH(F9)+1,0),ROUNDUP((H9-F9+1)/VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,3,0),0)),\"\"))","v":""},null,{"$f":"IFERROR(I9*U9,0)","v":0},{"$f":"J9-W9","v":0},{"$f":"IF(L16=\"\",\"\",L16-L15)","v":""},null,{"$f":"IFERROR(I9*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR((J9/U9)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),0)","v":0},{"$f":"IFERROR(IF(AB9<AQ9,AB9,IF(AA9>AR9,AB9,AA9))*VLOOKUP(C9,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"(K9+L9+N9+O9)/2","v":0},{"$f":"IFERROR(IF(E9=\"Yes\",(K9+N9)/2*'All data points & rules'!$M$25+(O9+L9)/2*'All data points & rules'!$M$22,(K9+N9)/2*'All data points & rules'!M24+(O9+L9)/2*'All data points & rules'!$M$22),0)","v":0},null,{"$f":"IFERROR(X9/U9,0)","v":0},{"$f":"IFERROR(IF($L$16=\"\",\"\",Y9/VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0)),0)","v":""},{"$f":"IFERROR(IF($L$16=\"\",IF(E9=\"Yes\",AH9*'All data points & rules'!$M$25,AH9*'All data points & rules'!$M$24),IF(E9=\"Yes\",AI9*'All data points & rules'!$M$25,AI9*'All data points & rules'!$M$24)),0)","v":0},null,{"$f":"IFERROR(IF(MIN(AF9,AJ9)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0)<0,0,MIN(AF9,AJ9)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C9,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},null,{"$f":"AC9+AL9","v":0},null,{"$f":"H9-F9","v":0},0,0,null,0,{"$f":"IF(R9<='All data points & rules'!$M$27,R9,'All data points & rules'!$M$27)","v":0},{"$f":"IF(R9>'All data points & rules'!$M$27,R9-'All data points & rules'!$M$27,0)","v":0},{"$f":"IFERROR(IF(AJ9<AF9,0,((L9+O9)/2)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0))*VLOOKUP(C9,'All data points & rules'!$L$38:$M$42,2,0),0)","v":0},{"$f":"MAX(IFERROR(IF(E9=\"Yes\",0,IF(AF9<=AJ9,((K9+N9)/2)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),IF($L$16=\"\",AH9*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),AI9*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C9,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},{"$f":"MAX(IFERROR(IF(E9=\"No\",0,IF(AF9<=AJ9,((K9+N9)/2)*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),IF($L$16=\"\",AH9*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0),AI9*VLOOKUP(D9,'All data points & rules'!$L$31:$N$36,2,0))))*VLOOKUP(C9,'All data points & rules'!$L$38:$M$42,2,0),0),0)","v":0},0]
[null,null,null,null,null,null,null,"NOTE: once inputted, all income for serviceability will appear in the main screen, including applicable 'haircutting'. Apply Online data entry is at the bottom of the main screen."]
[]
[null,null,null,null,null,null,{"$f":"IF(OR(AND(AP5<90,AP5>=0,H5<>\"\"),AND(AP6<90,AP6>=0,H6<>\"\"),AND(AP7<90,AP7>=0,H7<>\"\"),AND(AP8<90,AP8>=0,H8<>\"\"),AND(AP9<90,AP9>=0,H9<>\"\")),\"NOTE! More information needed for below borrowers with <3 months of income\",\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(OR(AB5<AA5,AB6<AA6,AB7<AA7,AB8<AA8,AB9<AA9),\"WARNING - please check\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O12<>\"\",\"For 1 or more borrowers, the YTD income does not support the declared base amount. This may occur if the borrower has recently increased their salary or working days per week.\",\"\")","v":""}]
[null,null,null,null,null,null,null,{"$f":"IF(AND($G$12<>\"\",$AP$5<90,$AP$5>=0,ISBLANK($H$5)=FALSE),B5,\"\")","v":""},{"$f":"IF(AND($G$12<>\"\",$AP$6<90,$AP$6>=0,ISBLANK($H$6)=FALSE),B6,\"\")","v":""},{"$f":"IF(AND($G$12<>\"\",$AP$7<90,$AP$7>=0,ISBLANK($H$7)=FALSE),B7,\"\")","v":""},{"$f":"IF(AND($G$12<>\"\",$AP$8<90,$AP$8>=0,ISBLANK($H$8)=FALSE),B8,\"\")","v":""},{"$f":"IF(AND($G$12<>\"\",$AP$9<90,$AP$9>=0,ISBLANK($H$9)=FALSE),B9,\"\")","v":""}]
[null,null,null,null,{"$f":"IF(G12=\"\",\"\",\"Previous year's base salary\")","v":""}]
[null,"Internal use only",null,null,{"$f":"IF(G12=\"\",\"\",\"Previous year's total income\")","v":""}]
[]
[]
[null,null,null,null,null,null,null,"Apply Online data entry"]
[null,null,null,null,null,null,null,{"$f":"'Customer view page'!E123","v":"Applicant 1"},{"$f":"'Customer view page'!G123","v":"N/A"},{"$f":"'Customer view page'!I123","v":"N/A"},{"$f":"'Customer view page'!K123","v":"N/A"},{"$f":"'Customer view page'!N123","v":"N/A"}]
[null,null,null,null,"Annual base salary",null,null,{"$f":"'Customer view page'!E124","v":0},{"$f":"'Customer view page'!G124","v":0},{"$f":"'Customer view page'!I124","v":0},{"$f":"'Customer view page'!K124","v":0},{"$f":"'Customer view page'!N124","v":0}]
[null,null,null,null,"Annual bonus (@ 80%)",null,null,{"$f":"'Customer view page'!E126","v":0},{"$f":"'Customer view page'!G126","v":0},{"$f":"'Customer view page'!I126","v":0},{"$f":"'Customer view page'!K126","v":0},{"$f":"'Customer view page'!N126","v":0}]
[null,null,null,null,"Annual commission",null,null,{"$f":"'Customer view page'!E127","v":0},{"$f":"'Customer view page'!G127","v":0},{"$f":"'Customer view page'!I127","v":0},{"$f":"'Customer view page'!K127","v":0},{"$f":"'Customer view page'!N127","v":0}]
[null,null,null,null,"Annual overtime (non-essential services)",null,null,{"$f":"'Customer view page'!E128","v":0},{"$f":"'Customer view page'!G128","v":0},{"$f":"'Customer view page'!I128","v":0},{"$f":"'Customer view page'!K128","v":0},{"$f":"'Customer view page'!N128","v":0}]
[null,null,null,null,"Annual overtime (essential services)",null,null,{"$f":"'Customer view page'!E129","v":0},{"$f":"'Customer view page'!G129","v":0},{"$f":"'Customer view page'!I129","v":0},{"$f":"'Customer view page'!K129","v":0},{"$f":"'Customer view page'!N129","v":0}]
[null,null,null,null,"Annual investment",null,null,{"$f":"'Customer view page'!E130","v":0},{"$f":"'Customer view page'!G130","v":0},{"$f":"'Customer view page'!I130","v":0},{"$f":"'Customer view page'!K130","v":0},{"$f":"'Customer view page'!N130","v":0}]
[null,null,null,null,"Foreign income",null,null,{"$f":"'Customer view page'!E131","v":0},{"$f":"'Customer view page'!G131","v":0},{"$f":"'Customer view page'!I131","v":0},{"$f":"'Customer view page'!K131","v":0},{"$f":"'Customer view page'!N131","v":0}]
[null,null,null,null,"Non-taxed income (enter as annuity)",null,null,{"$f":"'Customer view page'!E132","v":0},{"$f":"'Customer view page'!G132","v":0},{"$f":"'Customer view page'!I132","v":0},{"$f":"'Customer view page'!K132","v":0},{"$f":"'Customer view page'!N132","v":0}]

{"sheet":"Self-employed Income","index":11,"n_rows":83,"n_cols":20,"rows_kept":83,"cut":false,"hidden":false,"merged":[[24,19,25,19],[26,9,26,13],[66,3,66,4],[66,6,66,7],[66,9,66,10],[57,9,57,11],[58,9,58,11],[49,9,49,10],[35,3,35,4],[34,3,34,4],[34,6,34,7],[35,6,35,7],[29,3,29,4],[29,6,29,7],[29,9,29,10],[32,3,32,4],[32,6,32,7],[46,9,46,10],[53,9,53,11],[43,3,43,4],[43,6,43,7],[55,9,55,11],[46,3,46,4],[46,6,46,7],[65,1,67,2],[62,9,62,11],[65,9,65,11],[24,17,25,17],[24,18,25,18],[35,17,36,17],[32,17,33,17],[32,18,33,18],[35,18,36,18],[61,9,61,11],[61,2,62,2],[61,3,61,4],[61,6,61,7],[62,3,62,4],[62,6,62,7],[60,9,60,11],[63,2,64,2],[63,3,63,4],[63,6,63,7],[64,3,64,4],[64,6,64,7],[63,9,63,11],[64,9,64,11],[53,6,53,7],[59,2,60,2],[59,3,59,4],[59,6,59,7],[60,3,60,4],[60,6,60,7],[59,9,59,11],[55,2,56,2],[57,2,58,2],[57,3,57,4],[57,6,57,7],[58,3,58,4],[58,6,58,7],[37,9,38,10],[55,3,55,4],[56,9,56,11],[37,3,37,4],[37,6,37,7],[39,3,39,4],[40,3,40,4],[41,3,41,4],[39,9,39,10],[40,9,40,10],[41,9,41,10],[39,6,39,7],[40,6,40,7],[41,6,41,7],[56,3,56,4],[55,6,55,7],[56,6,56,7],[53,3,53,4],[1,1,1,14],[26,3,26,4],[24,3,24,4],[26,6,26,7],[24,6,24,7],[22,1,22,2],[3,1,3,2],[5,3,5,4],[7,3,7,4],[10,3,10,9],[12,12,14,14],[2,10,3,14],[70,3,70,4],[68,6,68,7],[70,6,70,7],[76,3,76,4],[76,6,76,7],[74,3,74,4],[74,6,74,7],[73,3,73,4],[73,6,73,7],[68,3,68,4],[73,9,73,10],[74,9,74,10],[76,9,76,10],[78,9,78,10],[80,9,80,10],[82,9,82,10],[82,3,82,4],[82,6,82,7],[80,3,80,4],[80,6,80,7],[78,3,78,4],[78,6,78,7]]}
[]
[null,"Income assessment for self-employed borrowers"]
[null,null,null,null,null,null,null,null,null,null,"Click arrow above to add more S/E income"]
[null,"Customer details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company applicant + trading ent.",{"$f":"AND(D6=\"Company\",D8=\"Company\")","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company, sole applicant",{"$f":"AND(S4=TRUE,D16=1)","v":false}]
[null,null,"Applicant type",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company, not sole applicant",{"$f":"AND(S4=TRUE,S5=FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust applicant + tranding ent.",{"$f":"AND(D6=\"Trust\",D8=\"Trust\")","v":false}]
[null,null,"Type of trading entity",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust, not sole applicant",{"$f":"AND(S7=TRUE,D16=1)","v":false}]
[null,null,"(for income being assessed)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust, sole applicant",{"$f":"AND(S7=TRUE,S8=FALSE)","v":false}]
[]
[null,null,{"$f":"IF(ISBLANK(D8),\"Name of entity\", \"Name of \" & D8)","v":"Name of entity"}]
[null,null,"(for income being assessed)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income rule being applied (1-3)",1]
[]
[null,null,"Latest financials available (year)",2023,null,null,null,"More than 1 year financials provided?","No"]
[]
[null,null,"No. of loan applicants",{"$f":"'Customer view page'!C7","v":1}]
[]
[null,null,"Level of ownership",{"$f":"'Customer view page'!E14","v":"Applicant 1"},null,{"$f":"IF(D16>1,'Customer view page'!G14,\"\")","v":""},null,{"$f":"IF(D16>2,'Customer view page'!I14,\"\")","v":""},null,{"$f":"IF(D16>3,'Customer view page'!K14,\"\")","v":""},null,{"$f":"IF(D16>4,'Customer view page'!N14,\"\")","v":""},null,"Total"]
[null,null,"(leave blank if applicant has no ownership)",null,null,null,null,null,null,null,null,null,null,{"$f":"D19+F19+H19+J19+L19","v":0}]
[]
[]
[]
[null,"Financial information",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Previous Year Income",{"$f":"G27+G47+G67","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Current Year Income",{"$f":"D30+D47+D67","v":0}]
[null,null,null,{"$f":"IF(D14=\"\",\"\",D14)","v":2023},null,null,{"$f":"IF(I14=\"No\",\"\",IF(D25=\"\",\"\",D25-1))","v":""},null,null,null,null,null,null,null,null,null,null,"Variance from Year 1-2",{"$f":"S24-S23","v":0},{"$f":"IF(OR(S23=0,S24=0),\"N/A\",S25/S23)","v":"N/A"}]
[]
[null,null,"Operating net profit",null,null,null,null,null,null,{"$f":"IF(S12=3,\"Using Single (Latest) Year Income Only\",IF(S12=2,\"2 Year Average\",IF(S31=TRUE,\"Latest Year Only (Downward Trend)\",IF(S32=TRUE,\"Previous Year + 20% (Upward Trend > 20%)\",IF(S33=TRUE,\"Latest Year Only (Upward Trend < 20%)\",IF(S27=TRUE,\"Latest Year Only (No Change in Income)\",\"\"))))))","v":""},null,null,null,null,null,null,null,"Nil Variance?",{"$f":"AND(S23=S24,S28=FALSE)","v":false}]
[null,null,"(before tax)",{"$f":"IF(D8=\"Trust\",\"NOTE: operating net profit is not applicable for Trusts\",IF(D8=\"Partnership\",\"NOTE: operating net profit is not applicable for Partnerships\",\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Nil Income?",{"$f":"AND(S23=0,S24=0)","v":true}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Variance more than +/-20%?",{"$f":"IF(AND(OR(T25>20%,T25<-20%),ISNUMBER(T25)),TRUE,FALSE)","v":false}]
[null,null,"Adjusted Profit",{"$f":"D27","v":0},null,null,{"$f":"G27","v":0},null,null,{"$f":"IF(S12=2,(D30+G30)/2,IF(S12=3,D30,IF(S28=TRUE,(D30+G30)/2,IF(S27=TRUE,(D30+G30)/2,IF(S38=TRUE,G30*0.8,IF(S31=TRUE,D30,IF(S33=TRUE,D30,IF(S32=TRUE,G30*1.2,0))))))))","v":0},null,null,null,null,null,null,null,"Upward Trend?",{"$f":"IF(S24>S23,TRUE,FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Downward Trend?",{"$f":"IF(S24<S23,TRUE,FALSE)","v":false}]
[null,null,"Addbacks",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Upward Trend > 20%?",{"$f":"AND(S30=TRUE,S29=TRUE)","v":false}]
[null,null,"Interest (if applicable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Upward Trend < 20%?",{"$f":"AND(S30=TRUE,S29=FALSE)","v":false}]
[]
[null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Previous Year Loss?",{"$f":"IF(G27<0,TRUE,FALSE)","v":false}]
[null,null,null,{"$f":"D35/2","v":0},null,null,{"$f":"G35/2","v":0},null,null,null,null,null,null,null,null,null,null,"Prev Yr Loss & Up Trend >20%?",{"$f":"AND(S35=TRUE,S32=TRUE)","v":false}]
[]
[null,null,"Amortisation of Goodwill",null,null,null,null,null,null,"Expense type",null,null,null,null,null,null,null,"Prev Neg Inc & Up Trend >20%",{"$f":"AND(G30<0,S32=TRUE)","v":false}]
[]
[null,null,"One-off expenses"]
[]
[]
[]
[null,null,"Excess Superannuation",{"$f":"IF(D25=\"\",\"\",D71-(D69*VLOOKUP(D25,'All data points & rules'!$H$41:$I$47,2,FALSE)))","v":0},null,null,{"$f":"IF(G25=\"\",\"\",G71-(G69*VLOOKUP(G25,'All data points & rules'!$H$41:$I$47,2,FALSE)))","v":""}]
[]
[]
[null,null,"Total addbacks",{"$f":"D33+D36+SUM(D38:E44)","v":0},null,null,{"$f":"G33+G36+SUM(G38:H44)","v":0},null,null,{"$f":"IF(S12=2,(D47+G47)/2,IF(S12=3,D47,IF(S28=TRUE,(D47+G47)/2,IF(S27=TRUE,(D47+G47)/2,IF(S31=TRUE,D47,IF(S33=TRUE,D47,IF(S32=TRUE,G47*1.2,0)))))))","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,"Total Business Income (Adj. Profit + Addbacks)",{"$f":"J47+J30","v":0}]
[]
[null,null,"Wages/salary","(attributable to each borrower)"]
[]
[null,null,null,{"$f":"D25","v":2023},null,null,{"$f":"G25","v":""},null,null,"Select payment type"]
[]
[null,null,{"$f":"$D$18","v":"Applicant 1"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D56,G56,D57,G57)/2,IF($S$12=3,SUM(D56,D57),IF($S$27=TRUE,SUM(D56,G56,D57,G57)/2,IF($S$31=TRUE,SUM(D56,D57),IF($S$33=TRUE,SUM(D56,D57),IF($S$32=TRUE,SUM(G56,G57)*1.2,0))))))","v":0}]
[null,null,{"$f":"$F$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D58,G58,D59,G59)/2,IF($S$12=3,SUM(D58,D59),IF($S$27=TRUE,SUM(D58,G58,D59,G59)/2,IF($S$31=TRUE,SUM(D58,D59),IF($S$33=TRUE,SUM(D58,D59),IF($S$32=TRUE,SUM(G58,G59)*1.2,0))))))","v":0}]
[null,null,{"$f":"$H$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D60,G60,D61,G61)/2,IF($S$12=3,SUM(D60,D61),IF($S$27=TRUE,SUM(D60,G60,D61,G61)/2,IF($S$31=TRUE,SUM(D60,D61),IF($S$33=TRUE,SUM(D60,D61),IF($S$32=TRUE,SUM(G60,G61)*1.2,0))))))","v":0}]
[null,null,{"$f":"$J$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D62,G62,D63,G63)/2,IF($S$12=3,SUM(D62,D63),IF($S$27=TRUE,SUM(D62,G62,D63,G63)/2,IF($S$31=TRUE,SUM(D62,D63),IF($S$33=TRUE,SUM(D62,D63),IF($S$32=TRUE,SUM(G62,G63)*1.2,0))))))","v":0}]
[null,null,{"$f":"$L$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D64,G64,D65,G65)/2,IF($S$12=3,SUM(D64,D65),IF($S$27=TRUE,SUM(D64,G64,D65,G65)/2,IF($S$31=TRUE,SUM(D64,D65),IF($S$33=TRUE,SUM(D64,D65),IF($S$32=TRUE,SUM(G64,G65)*1.2,0))))))","v":0}]
[null,"Total wages + other allowable payments received from this business",null,null,null,null,null,null,null,"(NOTE: if not allowing payment type selection, ensure entity type is selected at top of page)"]
[null,null,null,{"$f":"SUM(D56:E65)","v":0},null,null,{"$f":"SUM(G56:H65)","v":0},null,null,{"$f":"SUM(N57:N65)","v":0}]
[]
[null,null,"Total employee wages"]
[]
[null,null,"Total Super contributions"]
[]
[]
[null,null,null,"Total wages + other allowable payments received from this business",null,null,"Share of profit + addbacks",null,null,"Gross income\n(will flow through to main screen)"]
[null,null,{"$f":"$D$18","v":"Applicant 1"},{"$f":"N57","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*D19)","v":0},null,null,{"$f":"D75+G75","v":0}]
[]
[null,null,{"$f":"$F$18","v":""},{"$f":"N59","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*F19)","v":0},null,null,{"$f":"D77+G77","v":0}]
[]
[null,null,{"$f":"$H$18","v":""},{"$f":"N61","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*H19)","v":0},null,null,{"$f":"D79+G79","v":0}]
[]
[null,null,{"$f":"$J$18","v":""},{"$f":"N63","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*J19)","v":0},null,null,{"$f":"D81+G81","v":0}]
[]
[null,null,{"$f":"$L$18","v":""},{"$f":"N65","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*L19)","v":0},null,null,{"$f":"D83+G83","v":0}]

{"sheet":"Self-employed Income (2)","index":12,"n_rows":83,"n_cols":20,"rows_kept":83,"cut":false,"hidden":false,"merged":[[29,3,29,4],[29,6,29,7],[29,9,29,10],[32,3,32,4],[32,6,32,7],[32,17,33,17],[24,3,24,4],[24,6,24,7],[24,17,25,17],[24,18,25,18],[24,19,25,19],[26,3,26,4],[26,6,26,7],[26,9,26,13],[1,1,1,14],[3,1,3,2],[5,3,5,4],[7,3,7,4],[10,3,10,9],[22,1,22,2],[2,10,3,14],[39,3,39,4],[39,6,39,7],[39,9,39,10],[32,18,33,18],[34,3,34,4],[34,6,34,7],[35,3,35,4],[35,6,35,7],[35,17,36,17],[35,18,36,18],[37,3,37,4],[37,6,37,7],[37,9,38,10],[43,3,43,4],[43,6,43,7],[46,3,46,4],[46,6,46,7],[46,9,46,10],[49,9,49,10],[40,3,40,4],[40,6,40,7],[40,9,40,10],[41,3,41,4],[41,6,41,7],[41,9,41,10],[53,3,53,4],[53,6,53,7],[53,9,53,11],[55,2,56,2],[55,3,55,4],[55,6,55,7],[55,9,55,11],[56,3,56,4],[56,6,56,7],[56,9,56,11],[59,2,60,2],[59,3,59,4],[59,6,59,7],[59,9,59,11],[60,3,60,4],[60,6,60,7],[60,9,60,11],[57,2,58,2],[57,3,57,4],[57,6,57,7],[57,9,57,11],[58,3,58,4],[58,6,58,7],[58,9,58,11],[63,2,64,2],[63,3,63,4],[63,6,63,7],[63,9,63,11],[64,3,64,4],[64,6,64,7],[64,9,64,11],[61,2,62,2],[61,3,61,4],[61,6,61,7],[61,9,61,11],[62,3,62,4],[62,6,62,7],[62,9,62,11],[70,3,70,4],[70,6,70,7],[73,3,73,4],[73,6,73,7],[73,9,73,10],[74,3,74,4],[74,6,74,7],[74,9,74,10],[65,1,67,2],[66,3,66,4],[66,6,66,7],[66,9,66,10],[68,3,68,4],[68,6,68,7],[65,9,65,11],[80,3,80,4],[80,6,80,7],[80,9,80,10],[82,3,82,4],[82,6,82,7],[82,9,82,10],[76,3,76,4],[76,6,76,7],[76,9,76,10],[78,3,78,4],[78,6,78,7],[78,9,78,10]]}
[]
[null,"Income assessment for self-employed borrowers (2nd)"]
[null,null,null,null,null,null,null,null,null,null,"Toggle arrows above to add more S/E income"]
[null,"Customer details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company applicant + trading ent.",{"$f":"AND(D6=\"Company\",D8=\"Company\")","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company, sole applicant",{"$f":"AND(S4=TRUE,D16=1)","v":false}]
[null,null,"Applicant type",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company, not sole applicant",{"$f":"AND(S4=TRUE,S5=FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust applicant + tranding ent.",{"$f":"AND(D6=\"Trust\",D8=\"Trust\")","v":false}]
[null,null,"Type of trading entity",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust, not sole applicant",{"$f":"AND(S7=TRUE,D16=1)","v":false}]
[null,null,"(for income being assessed)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust, sole applicant",{"$f":"AND(S7=TRUE,S8=FALSE)","v":false}]
[]
[null,null,{"$f":"IF(ISBLANK(D8),\"Name of entity\", \"Name of \" & D8)","v":"Name of entity"}]
[null,null,"(for income being assessed)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income rule being applied (1-3)",1]
[]
[null,null,"Latest financials available (year)",null,null,null,null,"More than 1 year financials provided?","No"]
[]
[null,null,"No. of loan applicants",{"$f":"'Customer view page'!C7","v":1}]
[]
[null,null,"Level of ownership",{"$f":"'Self-employed Income'!D18","v":"Applicant 1"},null,{"$f":"'Self-employed Income'!F18","v":""},null,{"$f":"'Self-employed Income'!H18","v":""},null,{"$f":"'Self-employed Income'!J18","v":""},null,{"$f":"'Self-employed Income'!L18","v":""},null,"Total"]
[null,null,"(leave blank if applicant has no ownership)",null,null,null,null,null,null,null,null,null,null,{"$f":"D19+F19+H19+J19+L19","v":0}]
[]
[]
[]
[null,"Financial information",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Previous Year Income",{"$f":"G27+G47+G67","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Current Year Income",{"$f":"D30+D47+D67","v":0}]
[null,null,null,{"$f":"IF(D14=\"\",\"\",D14)","v":""},null,null,{"$f":"IF(D25=\"\",\"\",D25-1)","v":""},null,null,null,null,null,null,null,null,null,null,"Variance from Year 1-2",{"$f":"S24-S23","v":0},{"$f":"IF(OR(S23=0,S24=0),\"N/A\",S25/S23)","v":"N/A"}]
[]
[null,null,"Operating net profit",null,null,null,null,null,null,{"$f":"IF(S12=3,\"Using Single (Latest) Year Income Only\",IF(S12=2,\"2 Year Average\",IF(S31=TRUE,\"Latest Year Only (Downward Trend)\",IF(S32=TRUE,\"Previous Year + 20% (Upward Trend > 20%)\",IF(S33=TRUE,\"Latest Year Only (Upward Trend < 20%)\",IF(S27=TRUE,\"Latest Year Only (No Change in Income)\",\"\"))))))","v":""},null,null,null,null,null,null,null,"Nil Variance?",{"$f":"AND(S23=S24,S28=FALSE)","v":false}]
[null,null,"(before tax)",{"$f":"IF(D8=\"Trust\",\"NOTE: operating net profit is not applicable for Trusts\",IF(D8=\"Partnership\",\"NOTE: operating net profit is not applicable for Partnerships\",\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Nil Income?",{"$f":"AND(S23=0,S24=0)","v":true}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Variance more than +/-20%?",{"$f":"IF(AND(OR(T25>20%,T25<-20%),ISNUMBER(T25)),TRUE,FALSE)","v":false}]
[null,null,"Adjusted Profit",{"$f":"D27","v":0},null,null,{"$f":"G27","v":0},null,null,{"$f":"IF(S12=2,(D30+G30)/2,IF(S12=3,D30,IF(S28=TRUE,(D30+G30)/2,IF(S27=TRUE,(D30+G30)/2,IF(S38=TRUE,G30*0.8,IF(S31=TRUE,D30,IF(S33=TRUE,D30,IF(S32=TRUE,G30*1.2,0))))))))","v":0},null,null,null,null,null,null,null,"Upward Trend?",{"$f":"IF(S24>S23,TRUE,FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Downward Trend?",{"$f":"IF(S24<S23,TRUE,FALSE)","v":false}]
[null,null,"Addbacks",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Upward Trend > 20%?",{"$f":"AND(S30=TRUE,S29=TRUE)","v":false}]
[null,null,"Interest (if applicable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Upward Trend < 20%?",{"$f":"AND(S30=TRUE,S29=FALSE)","v":false}]
[]
[null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Previous Year Loss?",{"$f":"IF(G27<0,TRUE,FALSE)","v":false}]
[null,null,null,{"$f":"D35/2","v":0},null,null,{"$f":"G35/2","v":0},null,null,null,null,null,null,null,null,null,null,"Prev Yr Loss & Up Trend >20%?",{"$f":"AND(S35=TRUE,S32=TRUE)","v":false}]
[]
[null,null,"Amortisation of Goodwill",null,null,null,null,null,null,"Expense type",null,null,null,null,null,null,null,"Prev Neg Inc & Up Trend >20%",{"$f":"AND(G30<0,S32=TRUE)","v":false}]
[]
[null,null,"One-off expenses"]
[]
[]
[]
[null,null,"Excess Superannuation",{"$f":"IF(D25=\"\",\"\",D71-(D69*VLOOKUP(D25,'All data points & rules'!$H$41:$I$47,2,FALSE)))","v":""},null,null,{"$f":"IF(G25=\"\",\"\",G71-(G69*VLOOKUP(G25,'All data points & rules'!$H$41:$I$47,2,FALSE)))","v":""}]
[]
[]
[null,null,"Total addbacks",{"$f":"D33+D36+SUM(D38:E44)","v":0},null,null,{"$f":"G33+G36+SUM(G38:H44)","v":0},null,null,{"$f":"IF(S12=2,(D47+G47)/2,IF(S12=3,D47,IF(S28=TRUE,(D47+G47)/2,IF(S27=TRUE,(D47+G47)/2,IF(S31=TRUE,D47,IF(S33=TRUE,D47,IF(S32=TRUE,G47*1.2,0)))))))","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,"Total Business Income (Adj. Profit + Addbacks)",{"$f":"J47+J30","v":0}]
[]
[null,null,"Wages/salary","(attributable to each borrower)"]
[]
[null,null,null,{"$f":"D25","v":""},null,null,{"$f":"G25","v":""},null,null,"Select payment type"]
[]
[null,null,{"$f":"$D$18","v":"Applicant 1"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D56,G56,D57,G57)/2,IF($S$12=3,SUM(D56,D57),IF($S$27=TRUE,SUM(D56,G56,D57,G57)/2,IF($S$31=TRUE,SUM(D56,D57),IF($S$33=TRUE,SUM(D56,D57),IF($S$32=TRUE,SUM(G56,G57)*1.2,0))))))","v":0}]
[null,null,{"$f":"$F$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D58,G58,D59,G59)/2,IF($S$12=3,SUM(D58,D59),IF($S$27=TRUE,SUM(D58,G58,D59,G59)/2,IF($S$31=TRUE,SUM(D58,D59),IF($S$33=TRUE,SUM(D58,D59),IF($S$32=TRUE,SUM(G58,G59)*1.2,0))))))","v":0}]
[null,null,{"$f":"$H$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D60,G60,D61,G61)/2,IF($S$12=3,SUM(D60,D61),IF($S$27=TRUE,SUM(D60,G60,D61,G61)/2,IF($S$31=TRUE,SUM(D60,D61),IF($S$33=TRUE,SUM(D60,D61),IF($S$32=TRUE,SUM(G60,G61)*1.2,0))))))","v":0}]
[null,null,{"$f":"$J$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D62,G62,D63,G63)/2,IF($S$12=3,SUM(D62,D63),IF($S$27=TRUE,SUM(D62,G62,D63,G63)/2,IF($S$31=TRUE,SUM(D62,D63),IF($S$33=TRUE,SUM(D62,D63),IF($S$32=TRUE,SUM(G62,G63)*1.2,0))))))","v":0}]
[null,null,{"$f":"$L$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D64,G64,D65,G65)/2,IF($S$12=3,SUM(D64,D65),IF($S$27=TRUE,SUM(D64,G64,D65,G65)/2,IF($S$31=TRUE,SUM(D64,D65),IF($S$33=TRUE,SUM(D64,D65),IF($S$32=TRUE,SUM(G64,G65)*1.2,0))))))","v":0}]
[null,"Total wages + other allowable payments received from this business",null,null,null,null,null,null,null,"(NOTE: if not allowing payment type selection, ensure entity type is selected at top of page)"]
[null,null,null,{"$f":"SUM(D56:E65)","v":0},null,null,{"$f":"SUM(G56:H65)","v":0},null,null,{"$f":"SUM(N57:N65)","v":0}]
[]
[null,null,"Total employee wages"]
[]
[null,null,"Total Super contributions"]
[]
[]
[null,null,null,"Total wages + other allowable payments received from this business",null,null,"Share of profit + addbacks",null,null,"Gross income\n(will flow through to main screen)"]
[null,null,{"$f":"$D$18","v":"Applicant 1"},{"$f":"N57","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*D19)","v":0},null,null,{"$f":"D75+G75","v":0}]
[]
[null,null,{"$f":"$F$18","v":""},{"$f":"N59","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*F19)","v":0},null,null,{"$f":"D77+G77","v":0}]
[]
[null,null,{"$f":"$H$18","v":""},{"$f":"N61","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*H19)","v":0},null,null,{"$f":"D79+G79","v":0}]
[]
[null,null,{"$f":"$J$18","v":""},{"$f":"N63","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*J19)","v":0},null,null,{"$f":"D81+G81","v":0}]
[]
[null,null,{"$f":"$L$18","v":""},{"$f":"N65","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*L19)","v":0},null,null,{"$f":"D83+G83","v":0}]

{"sheet":"Self-employed Income (3)","index":13,"n_rows":83,"n_cols":20,"rows_kept":83,"cut":false,"hidden":false,"merged":[[24,18,25,18],[24,19,25,19],[26,3,26,4],[26,6,26,7],[26,9,26,13],[1,1,1,14],[3,1,3,2],[5,3,5,4],[7,3,7,4],[10,3,10,9],[22,1,22,2],[2,10,3,14],[29,3,29,4],[29,6,29,7],[29,9,29,10],[32,3,32,4],[32,6,32,7],[32,17,33,17],[24,3,24,4],[24,6,24,7],[24,17,25,17],[37,3,37,4],[37,6,37,7],[37,9,38,10],[39,3,39,4],[39,6,39,7],[39,9,39,10],[32,18,33,18],[34,3,34,4],[34,6,34,7],[35,3,35,4],[35,6,35,7],[35,17,36,17],[35,18,36,18],[43,3,43,4],[43,6,43,7],[46,3,46,4],[46,6,46,7],[46,9,46,10],[49,9,49,10],[40,3,40,4],[40,6,40,7],[40,9,40,10],[41,3,41,4],[41,6,41,7],[41,9,41,10],[53,3,53,4],[53,6,53,7],[53,9,53,11],[55,2,56,2],[55,3,55,4],[55,6,55,7],[55,9,55,11],[56,3,56,4],[56,6,56,7],[56,9,56,11],[59,2,60,2],[59,3,59,4],[59,6,59,7],[59,9,59,11],[60,3,60,4],[60,6,60,7],[60,9,60,11],[57,2,58,2],[57,3,57,4],[57,6,57,7],[57,9,57,11],[58,3,58,4],[58,6,58,7],[58,9,58,11],[63,2,64,2],[63,3,63,4],[63,6,63,7],[63,9,63,11],[64,3,64,4],[64,6,64,7],[64,9,64,11],[61,2,62,2],[61,3,61,4],[61,6,61,7],[61,9,61,11],[62,3,62,4],[62,6,62,7],[62,9,62,11],[70,3,70,4],[70,6,70,7],[73,3,73,4],[73,6,73,7],[73,9,73,10],[74,3,74,4],[74,6,74,7],[74,9,74,10],[65,1,67,2],[65,9,65,11],[66,3,66,4],[66,6,66,7],[66,9,66,10],[68,3,68,4],[68,6,68,7],[80,3,80,4],[80,6,80,7],[80,9,80,10],[82,3,82,4],[82,6,82,7],[82,9,82,10],[76,3,76,4],[76,6,76,7],[76,9,76,10],[78,3,78,4],[78,6,78,7],[78,9,78,10]]}
[]
[null,"Income assessment for self-employed borrowers (3rd)"]
[null,null,null,null,null,null,null,null,null,null,"Toggle arrows above to add more S/E income"]
[null,"Customer details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company applicant + trading ent.",{"$f":"AND(D6=\"Company\",D8=\"Company\")","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company, sole applicant",{"$f":"AND(S4=TRUE,D16=1)","v":false}]
[null,null,"Applicant type",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company, not sole applicant",{"$f":"AND(S4=TRUE,S5=FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust applicant + tranding ent.",{"$f":"AND(D6=\"Trust\",D8=\"Trust\")","v":false}]
[null,null,"Type of trading entity",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust, not sole applicant",{"$f":"AND(S7=TRUE,D16=1)","v":false}]
[null,null,"(for income being assessed)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust, sole applicant",{"$f":"AND(S7=TRUE,S8=FALSE)","v":false}]
[]
[null,null,{"$f":"IF(ISBLANK(D8),\"Name of entity\", \"Name of \" & D8)","v":"Name of entity"}]
[null,null,"(for income being assessed)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income rule being applied (1-3)",1]
[]
[null,null,"Latest financials available (year)",null,null,null,null,"More than 1 year financials provided?","No"]
[]
[null,null,"No. of loan applicants",{"$f":"'Customer view page'!C7","v":1}]
[]
[null,null,"Level of ownership",{"$f":"'Self-employed Income'!D18","v":"Applicant 1"},null,{"$f":"'Self-employed Income'!F18","v":""},null,{"$f":"'Self-employed Income'!H18","v":""},null,{"$f":"'Self-employed Income'!J18","v":""},null,{"$f":"'Self-employed Income'!L18","v":""},null,"Total"]
[null,null,"(leave blank if applicant has no ownership)",null,null,null,null,null,null,null,null,null,null,{"$f":"D19+F19+H19+J19+L19","v":0}]
[]
[]
[]
[null,"Financial information",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Previous Year Income",{"$f":"G27+G47+G67","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Current Year Income",{"$f":"D30+D47+D67","v":0}]
[null,null,null,{"$f":"IF(D14=\"\",\"\",D14)","v":""},null,null,{"$f":"IF(D25=\"\",\"\",D25-1)","v":""},null,null,null,null,null,null,null,null,null,null,"Variance from Year 1-2",{"$f":"S24-S23","v":0},{"$f":"IF(OR(S23=0,S24=0),\"N/A\",S25/S23)","v":"N/A"}]
[]
[null,null,"Operating net profit",null,null,null,null,null,null,{"$f":"IF(S12=3,\"Using Single (Latest) Year Income Only\",IF(S12=2,\"2 Year Average\",IF(S31=TRUE,\"Latest Year Only (Downward Trend)\",IF(S32=TRUE,\"Previous Year + 20% (Upward Trend > 20%)\",IF(S33=TRUE,\"Latest Year Only (Upward Trend < 20%)\",IF(S27=TRUE,\"Latest Year Only (No Change in Income)\",\"\"))))))","v":""},null,null,null,null,null,null,null,"Nil Variance?",{"$f":"AND(S23=S24,S28=FALSE)","v":false}]
[null,null,"(before tax)",{"$f":"IF(D8=\"Trust\",\"NOTE: operating net profit is not applicable for Trusts\",IF(D8=\"Partnership\",\"NOTE: operating net profit is not applicable for Partnerships\",\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Nil Income?",{"$f":"AND(S23=0,S24=0)","v":true}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Variance more than +/-20%?",{"$f":"IF(AND(OR(T25>20%,T25<-20%),ISNUMBER(T25)),TRUE,FALSE)","v":false}]
[null,null,"Adjusted Profit",{"$f":"D27","v":0},null,null,{"$f":"G27","v":0},null,null,{"$f":"IF(S12=2,(D30+G30)/2,IF(S12=3,D30,IF(S28=TRUE,(D30+G30)/2,IF(S27=TRUE,(D30+G30)/2,IF(S38=TRUE,G30*0.8,IF(S31=TRUE,D30,IF(S33=TRUE,D30,IF(S32=TRUE,G30*1.2,0))))))))","v":0},null,null,null,null,null,null,null,"Upward Trend?",{"$f":"IF(S24>S23,TRUE,FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Downward Trend?",{"$f":"IF(S24<S23,TRUE,FALSE)","v":false}]
[null,null,"Addbacks",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Upward Trend > 20%?",{"$f":"AND(S30=TRUE,S29=TRUE)","v":false}]
[null,null,"Interest (if applicable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Upward Trend < 20%?",{"$f":"AND(S30=TRUE,S29=FALSE)","v":false}]
[]
[null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Previous Year Loss?",{"$f":"IF(G27<0,TRUE,FALSE)","v":false}]
[null,null,null,{"$f":"D35/2","v":0},null,null,{"$f":"G35/2","v":0},null,null,null,null,null,null,null,null,null,null,"Prev Yr Loss & Up Trend >20%?",{"$f":"AND(S35=TRUE,S32=TRUE)","v":false}]
[]
[null,null,"Amortisation of Goodwill",null,null,null,null,null,null,"Expense type",null,null,null,null,null,null,null,"Prev Neg Inc & Up Trend >20%",{"$f":"AND(G30<0,S32=TRUE)","v":false}]
[]
[null,null,"One-off expenses"]
[]
[]
[]
[null,null,"Excess Superannuation",{"$f":"IF(D25=\"\",\"\",D71-(D69*VLOOKUP(D25,'All data points & rules'!$H$41:$I$47,2,FALSE)))","v":""},null,null,{"$f":"IF(G25=\"\",\"\",G71-(G69*VLOOKUP(G25,'All data points & rules'!$H$41:$I$47,2,FALSE)))","v":""}]
[]
[]
[null,null,"Total addbacks",{"$f":"D33+D36+SUM(D38:E44)","v":0},null,null,{"$f":"G33+G36+SUM(G38:H44)","v":0},null,null,{"$f":"IF(S12=2,(D47+G47)/2,IF(S12=3,D47,IF(S28=TRUE,(D47+G47)/2,IF(S27=TRUE,(D47+G47)/2,IF(S31=TRUE,D47,IF(S33=TRUE,D47,IF(S32=TRUE,G47*1.2,0)))))))","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,"Total Business Income (Adj. Profit + Addbacks)",{"$f":"J47+J30","v":0}]
[]
[null,null,"Wages/salary","(attributable to each borrower)"]
[]
[null,null,null,{"$f":"D25","v":""},null,null,{"$f":"G25","v":""},null,null,"Select payment type"]
[]
[null,null,{"$f":"$D$18","v":"Applicant 1"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D56,G56,D57,G57)/2,IF($S$12=3,SUM(D56,D57),IF($S$27=TRUE,SUM(D56,G56,D57,G57)/2,IF($S$31=TRUE,SUM(D56,D57),IF($S$33=TRUE,SUM(D56,D57),IF($S$32=TRUE,SUM(G56,G57)*1.2,0))))))","v":0}]
[null,null,{"$f":"$F$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D58,G58,D59,G59)/2,IF($S$12=3,SUM(D58,D59),IF($S$27=TRUE,SUM(D58,G58,D59,G59)/2,IF($S$31=TRUE,SUM(D58,D59),IF($S$33=TRUE,SUM(D58,D59),IF($S$32=TRUE,SUM(G58,G59)*1.2,0))))))","v":0}]
[null,null,{"$f":"$H$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D60,G60,D61,G61)/2,IF($S$12=3,SUM(D60,D61),IF($S$27=TRUE,SUM(D60,G60,D61,G61)/2,IF($S$31=TRUE,SUM(D60,D61),IF($S$33=TRUE,SUM(D60,D61),IF($S$32=TRUE,SUM(G60,G61)*1.2,0))))))","v":0}]
[null,null,{"$f":"$J$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D62,G62,D63,G63)/2,IF($S$12=3,SUM(D62,D63),IF($S$27=TRUE,SUM(D62,G62,D63,G63)/2,IF($S$31=TRUE,SUM(D62,D63),IF($S$33=TRUE,SUM(D62,D63),IF($S$32=TRUE,SUM(G62,G63)*1.2,0))))))","v":0}]
[null,null,{"$f":"$L$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D64,G64,D65,G65)/2,IF($S$12=3,SUM(D64,D65),IF($S$27=TRUE,SUM(D64,G64,D65,G65)/2,IF($S$31=TRUE,SUM(D64,D65),IF($S$33=TRUE,SUM(D64,D65),IF($S$32=TRUE,SUM(G64,G65)*1.2,0))))))","v":0}]
[null,"Total wages + other allowable payments received from this business",null,null,null,null,null,null,null,"(NOTE: if not allowing payment type selection, ensure entity type is selected at top of page)"]
[null,null,null,{"$f":"SUM(D56:E65)","v":0},null,null,{"$f":"SUM(G56:H65)","v":0},null,null,{"$f":"SUM(N57:N65)","v":0}]
[]
[null,null,"Total employee wages"]
[]
[null,null,"Total Super contributions"]
[]
[]
[null,null,null,"Total wages + other allowable payments received from this business",null,null,"Share of profit + addbacks",null,null,"Gross income\n(will flow through to main screen)"]
[null,null,{"$f":"$D$18","v":"Applicant 1"},{"$f":"N57","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*D19)","v":0},null,null,{"$f":"D75+G75","v":0}]
[]
[null,null,{"$f":"$F$18","v":""},{"$f":"N59","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*F19)","v":0},null,null,{"$f":"D77+G77","v":0}]
[]
[null,null,{"$f":"$H$18","v":""},{"$f":"N61","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*H19)","v":0},null,null,{"$f":"D79+G79","v":0}]
[]
[null,null,{"$f":"$J$18","v":""},{"$f":"N63","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*J19)","v":0},null,null,{"$f":"D81+G81","v":0}]
[]
[null,null,{"$f":"$L$18","v":""},{"$f":"N65","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*L19)","v":0},null,null,{"$f":"D83+G83","v":0}]

{"sheet":"Self-employed Income (4)","index":14,"n_rows":83,"n_cols":20,"rows_kept":83,"cut":false,"hidden":false,"merged":[[24,18,25,18],[24,19,25,19],[26,3,26,4],[26,6,26,7],[26,9,26,13],[1,1,1,14],[3,1,3,2],[5,3,5,4],[7,3,7,4],[10,3,10,9],[22,1,22,2],[2,10,3,14],[29,3,29,4],[29,6,29,7],[29,9,29,10],[32,3,32,4],[32,6,32,7],[32,17,33,17],[24,3,24,4],[24,6,24,7],[24,17,25,17],[37,3,37,4],[37,6,37,7],[37,9,38,10],[39,3,39,4],[39,6,39,7],[39,9,39,10],[32,18,33,18],[34,3,34,4],[34,6,34,7],[35,3,35,4],[35,6,35,7],[35,17,36,17],[35,18,36,18],[43,3,43,4],[43,6,43,7],[46,3,46,4],[46,6,46,7],[46,9,46,10],[49,9,49,10],[40,3,40,4],[40,6,40,7],[40,9,40,10],[41,3,41,4],[41,6,41,7],[41,9,41,10],[53,3,53,4],[53,6,53,7],[53,9,53,11],[55,2,56,2],[55,3,55,4],[55,6,55,7],[55,9,55,11],[56,3,56,4],[56,6,56,7],[56,9,56,11],[59,2,60,2],[59,3,59,4],[59,6,59,7],[59,9,59,11],[60,3,60,4],[60,6,60,7],[60,9,60,11],[57,2,58,2],[57,3,57,4],[57,6,57,7],[57,9,57,11],[58,3,58,4],[58,6,58,7],[58,9,58,11],[63,2,64,2],[63,3,63,4],[63,6,63,7],[63,9,63,11],[64,3,64,4],[64,6,64,7],[64,9,64,11],[61,2,62,2],[61,3,61,4],[61,6,61,7],[61,9,61,11],[62,3,62,4],[62,6,62,7],[62,9,62,11],[70,3,70,4],[70,6,70,7],[73,3,73,4],[73,6,73,7],[73,9,73,10],[74,3,74,4],[74,6,74,7],[74,9,74,10],[65,1,67,2],[65,9,65,11],[66,3,66,4],[66,6,66,7],[66,9,66,10],[68,3,68,4],[68,6,68,7],[80,3,80,4],[80,6,80,7],[80,9,80,10],[82,3,82,4],[82,6,82,7],[82,9,82,10],[76,3,76,4],[76,6,76,7],[76,9,76,10],[78,3,78,4],[78,6,78,7],[78,9,78,10]]}
[]
[null,"Income assessment for self-employed borrowers (4th)"]
[null,null,null,null,null,null,null,null,null,null,"Toggle arrows above to add more S/E income"]
[null,"Customer details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company applicant + trading ent.",{"$f":"AND(D6=\"Company\",D8=\"Company\")","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company, sole applicant",{"$f":"AND(S4=TRUE,D16=1)","v":false}]
[null,null,"Applicant type",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company, not sole applicant",{"$f":"AND(S4=TRUE,S5=FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust applicant + tranding ent.",{"$f":"AND(D6=\"Trust\",D8=\"Trust\")","v":false}]
[null,null,"Type of trading entity",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust, not sole applicant",{"$f":"AND(S7=TRUE,D16=1)","v":false}]
[null,null,"(for income being assessed)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust, sole applicant",{"$f":"AND(S7=TRUE,S8=FALSE)","v":false}]
[]
[null,null,{"$f":"IF(ISBLANK(D8),\"Name of entity\", \"Name of \" & D8)","v":"Name of entity"}]
[null,null,"(for income being assessed)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income rule being applied (1-3)",1]
[]
[null,null,"Latest financials available (year)",null,null,null,null,"More than 1 year financials provided?","No"]
[]
[null,null,"No. of loan applicants",{"$f":"'Customer view page'!C7","v":1}]
[]
[null,null,"Level of ownership",{"$f":"'Self-employed Income'!D18","v":"Applicant 1"},null,{"$f":"'Self-employed Income'!F18","v":""},null,{"$f":"'Self-employed Income'!H18","v":""},null,{"$f":"'Self-employed Income'!J18","v":""},null,{"$f":"'Self-employed Income'!L18","v":""},null,"Total"]
[null,null,"(leave blank if applicant has no ownership)",null,null,null,null,null,null,null,null,null,null,{"$f":"D19+F19+H19+J19+L19","v":0}]
[]
[]
[]
[null,"Financial information",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Previous Year Income",{"$f":"G27+G47+G67","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Current Year Income",{"$f":"D30+D47+D67","v":0}]
[null,null,null,{"$f":"IF(D14=\"\",\"\",D14)","v":""},null,null,{"$f":"IF(D25=\"\",\"\",D25-1)","v":""},null,null,null,null,null,null,null,null,null,null,"Variance from Year 1-2",{"$f":"S24-S23","v":0},{"$f":"IF(OR(S23=0,S24=0),\"N/A\",S25/S23)","v":"N/A"}]
[]
[null,null,"Operating net profit",null,null,null,null,null,null,{"$f":"IF(S12=3,\"Using Single (Latest) Year Income Only\",IF(S12=2,\"2 Year Average\",IF(S31=TRUE,\"Latest Year Only (Downward Trend)\",IF(S32=TRUE,\"Previous Year + 20% (Upward Trend > 20%)\",IF(S33=TRUE,\"Latest Year Only (Upward Trend < 20%)\",IF(S27=TRUE,\"Latest Year Only (No Change in Income)\",\"\"))))))","v":""},null,null,null,null,null,null,null,"Nil Variance?",{"$f":"AND(S23=S24,S28=FALSE)","v":false}]
[null,null,"(before tax)",{"$f":"IF(D8=\"Trust\",\"NOTE: operating net profit is not applicable for Trusts\",IF(D8=\"Partnership\",\"NOTE: operating net profit is not applicable for Partnerships\",\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Nil Income?",{"$f":"AND(S23=0,S24=0)","v":true}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Variance more than +/-20%?",{"$f":"IF(AND(OR(T25>20%,T25<-20%),ISNUMBER(T25)),TRUE,FALSE)","v":false}]
[null,null,"Adjusted Profit",{"$f":"D27","v":0},null,null,{"$f":"G27","v":0},null,null,{"$f":"IF(S12=2,(D30+G30)/2,IF(S12=3,D30,IF(S28=TRUE,(D30+G30)/2,IF(S27=TRUE,(D30+G30)/2,IF(S38=TRUE,G30*0.8,IF(S31=TRUE,D30,IF(S33=TRUE,D30,IF(S32=TRUE,G30*1.2,0))))))))","v":0},null,null,null,null,null,null,null,"Upward Trend?",{"$f":"IF(S24>S23,TRUE,FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Downward Trend?",{"$f":"IF(S24<S23,TRUE,FALSE)","v":false}]
[null,null,"Addbacks",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Upward Trend > 20%?",{"$f":"AND(S30=TRUE,S29=TRUE)","v":false}]
[null,null,"Interest (if applicable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Upward Trend < 20%?",{"$f":"AND(S30=TRUE,S29=FALSE)","v":false}]
[]
[null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Previous Year Loss?",{"$f":"IF(G27<0,TRUE,FALSE)","v":false}]
[null,null,null,{"$f":"D35/2","v":0},null,null,{"$f":"G35/2","v":0},null,null,null,null,null,null,null,null,null,null,"Prev Yr Loss & Up Trend >20%?",{"$f":"AND(S35=TRUE,S32=TRUE)","v":false}]
[]
[null,null,"Amortisation of Goodwill",null,null,null,null,null,null,"Expense type",null,null,null,null,null,null,null,"Prev Neg Inc & Up Trend >20%",{"$f":"AND(G30<0,S32=TRUE)","v":false}]
[]
[null,null,"One-off expenses"]
[]
[]
[]
[null,null,"Excess Superannuation",{"$f":"IF(D25=\"\",\"\",D71-(D69*VLOOKUP(D25,'All data points & rules'!$H$41:$I$47,2,FALSE)))","v":""},null,null,{"$f":"IF(G25=\"\",\"\",G71-(G69*VLOOKUP(G25,'All data points & rules'!$H$41:$I$47,2,FALSE)))","v":""}]
[]
[]
[null,null,"Total addbacks",{"$f":"D33+D36+SUM(D38:E44)","v":0},null,null,{"$f":"G33+G36+SUM(G38:H44)","v":0},null,null,{"$f":"IF(S12=2,(D47+G47)/2,IF(S12=3,D47,IF(S28=TRUE,(D47+G47)/2,IF(S27=TRUE,(D47+G47)/2,IF(S31=TRUE,D47,IF(S33=TRUE,D47,IF(S32=TRUE,G47*1.2,0)))))))","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,"Total Business Income (Adj. Profit + Addbacks)",{"$f":"J47+J30","v":0}]
[]
[null,null,"Wages/salary","(attributable to each borrower)"]
[]
[null,null,null,{"$f":"D25","v":""},null,null,{"$f":"G25","v":""},null,null,"Select payment type"]
[]
[null,null,{"$f":"$D$18","v":"Applicant 1"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D56,G56,D57,G57)/2,IF($S$12=3,SUM(D56,D57),IF($S$27=TRUE,SUM(D56,G56,D57,G57)/2,IF($S$31=TRUE,SUM(D56,D57),IF($S$33=TRUE,SUM(D56,D57),IF($S$32=TRUE,SUM(G56,G57)*1.2,0))))))","v":0}]
[null,null,{"$f":"$F$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D58,G58,D59,G59)/2,IF($S$12=3,SUM(D58,D59),IF($S$27=TRUE,SUM(D58,G58,D59,G59)/2,IF($S$31=TRUE,SUM(D58,D59),IF($S$33=TRUE,SUM(D58,D59),IF($S$32=TRUE,SUM(G58,G59)*1.2,0))))))","v":0}]
[null,null,{"$f":"$H$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D60,G60,D61,G61)/2,IF($S$12=3,SUM(D60,D61),IF($S$27=TRUE,SUM(D60,G60,D61,G61)/2,IF($S$31=TRUE,SUM(D60,D61),IF($S$33=TRUE,SUM(D60,D61),IF($S$32=TRUE,SUM(G60,G61)*1.2,0))))))","v":0}]
[null,null,{"$f":"$J$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D62,G62,D63,G63)/2,IF($S$12=3,SUM(D62,D63),IF($S$27=TRUE,SUM(D62,G62,D63,G63)/2,IF($S$31=TRUE,SUM(D62,D63),IF($S$33=TRUE,SUM(D62,D63),IF($S$32=TRUE,SUM(G62,G63)*1.2,0))))))","v":0}]
[null,null,{"$f":"$L$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D64,G64,D65,G65)/2,IF($S$12=3,SUM(D64,D65),IF($S$27=TRUE,SUM(D64,G64,D65,G65)/2,IF($S$31=TRUE,SUM(D64,D65),IF($S$33=TRUE,SUM(D64,D65),IF($S$32=TRUE,SUM(G64,G65)*1.2,0))))))","v":0}]
[null,"Total wages + other allowable payments received from this business",null,null,null,null,null,null,null,"(NOTE: if not allowing payment type selection, ensure entity type is selected at top of page)"]
[null,null,null,{"$f":"SUM(D56:E65)","v":0},null,null,{"$f":"SUM(G56:H65)","v":0},null,null,{"$f":"SUM(N57:N65)","v":0}]
[]
[null,null,"Total employee wages"]
[]
[null,null,"Total Super contributions"]
[]
[]
[null,null,null,"Total wages + other allowable payments received from this business",null,null,"Share of profit + addbacks",null,null,"Gross income\n(will flow through to main screen)"]
[null,null,{"$f":"$D$18","v":"Applicant 1"},{"$f":"N57","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*D19)","v":0},null,null,{"$f":"D75+G75","v":0}]
[]
[null,null,{"$f":"$F$18","v":""},{"$f":"N59","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*F19)","v":0},null,null,{"$f":"D77+G77","v":0}]
[]
[null,null,{"$f":"$H$18","v":""},{"$f":"N61","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*H19)","v":0},null,null,{"$f":"D79+G79","v":0}]
[]
[null,null,{"$f":"$J$18","v":""},{"$f":"N63","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*J19)","v":0},null,null,{"$f":"D81+G81","v":0}]
[]
[null,null,{"$f":"$L$18","v":""},{"$f":"N65","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*L19)","v":0},null,null,{"$f":"D83+G83","v":0}]

{"sheet":"Self-employed Income (5)","index":15,"n_rows":83,"n_cols":20,"rows_kept":83,"cut":false,"hidden":false,"merged":[[24,18,25,18],[24,19,25,19],[26,3,26,4],[26,6,26,7],[26,9,26,13],[1,1,1,14],[3,1,3,2],[5,3,5,4],[7,3,7,4],[10,3,10,9],[22,1,22,2],[29,3,29,4],[29,6,29,7],[29,9,29,10],[32,3,32,4],[32,6,32,7],[32,17,33,17],[24,3,24,4],[24,6,24,7],[24,17,25,17],[37,3,37,4],[37,6,37,7],[37,9,38,10],[39,3,39,4],[39,6,39,7],[39,9,39,10],[32,18,33,18],[34,3,34,4],[34,6,34,7],[35,3,35,4],[35,6,35,7],[35,17,36,17],[35,18,36,18],[43,3,43,4],[43,6,43,7],[46,3,46,4],[46,6,46,7],[46,9,46,10],[49,9,49,10],[40,3,40,4],[40,6,40,7],[40,9,40,10],[41,3,41,4],[41,6,41,7],[41,9,41,10],[53,3,53,4],[53,6,53,7],[53,9,53,11],[55,2,56,2],[55,3,55,4],[55,6,55,7],[55,9,55,11],[56,3,56,4],[56,6,56,7],[56,9,56,11],[59,2,60,2],[59,3,59,4],[59,6,59,7],[59,9,59,11],[60,3,60,4],[60,6,60,7],[60,9,60,11],[57,2,58,2],[57,3,57,4],[57,6,57,7],[57,9,57,11],[58,3,58,4],[58,6,58,7],[58,9,58,11],[63,2,64,2],[63,3,63,4],[63,6,63,7],[63,9,63,11],[64,3,64,4],[64,6,64,7],[64,9,64,11],[61,2,62,2],[61,3,61,4],[61,6,61,7],[61,9,61,11],[62,3,62,4],[62,6,62,7],[62,9,62,11],[70,3,70,4],[70,6,70,7],[73,3,73,4],[73,6,73,7],[73,9,73,10],[74,3,74,4],[74,6,74,7],[74,9,74,10],[65,1,67,2],[65,9,65,11],[66,3,66,4],[66,6,66,7],[66,9,66,10],[68,3,68,4],[68,6,68,7],[80,3,80,4],[80,6,80,7],[80,9,80,10],[82,3,82,4],[82,6,82,7],[82,9,82,10],[76,3,76,4],[76,6,76,7],[76,9,76,10],[78,3,78,4],[78,6,78,7],[78,9,78,10]]}
[]
[null,"Income assessment for self-employed borrowers (5th)"]
[]
[null,"Customer details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company applicant + trading ent.",{"$f":"AND(D6=\"Company\",D8=\"Company\")","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company, sole applicant",{"$f":"AND(S4=TRUE,D16=1)","v":false}]
[null,null,"Applicant type",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company, not sole applicant",{"$f":"AND(S4=TRUE,S5=FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust applicant + tranding ent.",{"$f":"AND(D6=\"Trust\",D8=\"Trust\")","v":false}]
[null,null,"Type of trading entity",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust, not sole applicant",{"$f":"AND(S7=TRUE,D16=1)","v":false}]
[null,null,"(for income being assessed)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trust, sole applicant",{"$f":"AND(S7=TRUE,S8=FALSE)","v":false}]
[]
[null,null,{"$f":"IF(ISBLANK(D8),\"Name of entity\", \"Name of \" & D8)","v":"Name of entity"}]
[null,null,"(for income being assessed)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income rule being applied (1-3)",1]
[]
[null,null,"Latest financials available (year)",null,null,null,null,"More than 1 year financials provided?","No"]
[]
[null,null,"No. of loan applicants",{"$f":"'Customer view page'!C7","v":1}]
[]
[null,null,"Level of ownership",{"$f":"'Self-employed Income'!D18","v":"Applicant 1"},null,{"$f":"'Self-employed Income'!F18","v":""},null,{"$f":"'Self-employed Income'!H18","v":""},null,{"$f":"'Self-employed Income'!J18","v":""},null,{"$f":"'Self-employed Income'!L18","v":""},null,"Total"]
[null,null,"(leave blank if applicant has no ownership)",null,null,null,null,null,null,null,null,null,null,{"$f":"D19+F19+H19+J19+L19","v":0}]
[]
[]
[]
[null,"Financial information",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Previous Year Income",{"$f":"G27+G47+G67","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Current Year Income",{"$f":"D30+D47+D67","v":0}]
[null,null,null,{"$f":"IF(D14=\"\",\"\",D14)","v":""},null,null,{"$f":"IF(D25=\"\",\"\",D25-1)","v":""},null,null,null,null,null,null,null,null,null,null,"Variance from Year 1-2",{"$f":"S24-S23","v":0},{"$f":"IF(OR(S23=0,S24=0),\"N/A\",S25/S23)","v":"N/A"}]
[]
[null,null,"Operating net profit",null,null,null,null,null,null,{"$f":"IF(S12=3,\"Using Single (Latest) Year Income Only\",IF(S12=2,\"2 Year Average\",IF(S31=TRUE,\"Latest Year Only (Downward Trend)\",IF(S32=TRUE,\"Previous Year + 20% (Upward Trend > 20%)\",IF(S33=TRUE,\"Latest Year Only (Upward Trend < 20%)\",IF(S27=TRUE,\"Latest Year Only (No Change in Income)\",\"\"))))))","v":""},null,null,null,null,null,null,null,"Nil Variance?",{"$f":"AND(S23=S24,S28=FALSE)","v":false}]
[null,null,"(before tax)",{"$f":"IF(D8=\"Trust\",\"NOTE: operating net profit is not applicable for Trusts\",IF(D8=\"Partnership\",\"NOTE: operating net profit is not applicable for Partnerships\",\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Nil Income?",{"$f":"AND(S23=0,S24=0)","v":true}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Variance more than +/-20%?",{"$f":"IF(AND(OR(T25>20%,T25<-20%),ISNUMBER(T25)),TRUE,FALSE)","v":false}]
[null,null,"Adjusted Profit",{"$f":"D27","v":0},null,null,{"$f":"G27","v":0},null,null,{"$f":"IF(S12=2,(D30+G30)/2,IF(S12=3,D30,IF(S28=TRUE,(D30+G30)/2,IF(S27=TRUE,(D30+G30)/2,IF(S38=TRUE,G30*0.8,IF(S31=TRUE,D30,IF(S33=TRUE,D30,IF(S32=TRUE,G30*1.2,0))))))))","v":0},null,null,null,null,null,null,null,"Upward Trend?",{"$f":"IF(S24>S23,TRUE,FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Downward Trend?",{"$f":"IF(S24<S23,TRUE,FALSE)","v":false}]
[null,null,"Addbacks",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Upward Trend > 20%?",{"$f":"AND(S30=TRUE,S29=TRUE)","v":false}]
[null,null,"Interest (if applicable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Upward Trend < 20%?",{"$f":"AND(S30=TRUE,S29=FALSE)","v":false}]
[]
[null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Previous Year Loss?",{"$f":"IF(G27<0,TRUE,FALSE)","v":false}]
[null,null,null,{"$f":"D35/2","v":0},null,null,{"$f":"G35/2","v":0},null,null,null,null,null,null,null,null,null,null,"Prev Yr Loss & Up Trend >20%?",{"$f":"AND(S35=TRUE,S32=TRUE)","v":false}]
[]
[null,null,"Amortisation of Goodwill",null,null,null,null,null,null,"Expense type",null,null,null,null,null,null,null,"Prev Neg Inc & Up Trend >20%",{"$f":"AND(G30<0,S32=TRUE)","v":false}]
[]
[null,null,"One-off expenses"]
[]
[]
[]
[null,null,"Excess Superannuation",{"$f":"IF(D25=\"\",\"\",D71-(D69*VLOOKUP(D25,'All data points & rules'!$H$41:$I$47,2,FALSE)))","v":""},null,null,{"$f":"IF(G25=\"\",\"\",G71-(G69*VLOOKUP(G25,'All data points & rules'!$H$41:$I$47,2,FALSE)))","v":""}]
[]
[]
[null,null,"Total addbacks",{"$f":"D33+D36+SUM(D38:E44)","v":0},null,null,{"$f":"G33+G36+SUM(G38:H44)","v":0},null,null,{"$f":"IF(S12=2,(D47+G47)/2,IF(S12=3,D47,IF(S28=TRUE,(D47+G47)/2,IF(S27=TRUE,(D47+G47)/2,IF(S31=TRUE,D47,IF(S33=TRUE,D47,IF(S32=TRUE,G47*1.2,0)))))))","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,"Total Business Income (Adj. Profit + Addbacks)",{"$f":"J47+J30","v":0}]
[]
[null,null,"Wages/salary","(attributable to each borrower)"]
[]
[null,null,null,{"$f":"D25","v":""},null,null,{"$f":"G25","v":""},null,null,"Select payment type"]
[]
[null,null,{"$f":"$D$18","v":"Applicant 1"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D56,G56,D57,G57)/2,IF($S$12=3,SUM(D56,D57),IF($S$27=TRUE,SUM(D56,G56,D57,G57)/2,IF($S$31=TRUE,SUM(D56,D57),IF($S$33=TRUE,SUM(D56,D57),IF($S$32=TRUE,SUM(G56,G57)*1.2,0))))))","v":0}]
[null,null,{"$f":"$F$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D58,G58,D59,G59)/2,IF($S$12=3,SUM(D58,D59),IF($S$27=TRUE,SUM(D58,G58,D59,G59)/2,IF($S$31=TRUE,SUM(D58,D59),IF($S$33=TRUE,SUM(D58,D59),IF($S$32=TRUE,SUM(G58,G59)*1.2,0))))))","v":0}]
[null,null,{"$f":"$H$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D60,G60,D61,G61)/2,IF($S$12=3,SUM(D60,D61),IF($S$27=TRUE,SUM(D60,G60,D61,G61)/2,IF($S$31=TRUE,SUM(D60,D61),IF($S$33=TRUE,SUM(D60,D61),IF($S$32=TRUE,SUM(G60,G61)*1.2,0))))))","v":0}]
[null,null,{"$f":"$J$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D62,G62,D63,G63)/2,IF($S$12=3,SUM(D62,D63),IF($S$27=TRUE,SUM(D62,G62,D63,G63)/2,IF($S$31=TRUE,SUM(D62,D63),IF($S$33=TRUE,SUM(D62,D63),IF($S$32=TRUE,SUM(G62,G63)*1.2,0))))))","v":0}]
[null,null,{"$f":"$L$18","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($S$12=2,SUM(D64,G64,D65,G65)/2,IF($S$12=3,SUM(D64,D65),IF($S$27=TRUE,SUM(D64,G64,D65,G65)/2,IF($S$31=TRUE,SUM(D64,D65),IF($S$33=TRUE,SUM(D64,D65),IF($S$32=TRUE,SUM(G64,G65)*1.2,0))))))","v":0}]
[null,"Total wages + other allowable payments received from this business",null,null,null,null,null,null,null,"(NOTE: if not allowing payment type selection, ensure entity type is selected at top of page)"]
[null,null,null,{"$f":"SUM(D56:E65)","v":0},null,null,{"$f":"SUM(G56:H65)","v":0},null,null,{"$f":"SUM(N57:N65)","v":0}]
[]
[null,null,"Total employee wages"]
[]
[null,null,"Total Super contributions"]
[]
[]
[null,null,null,"Total wages + other allowable payments received from this business",null,null,"Share of profit + addbacks",null,null,"Gross income\n(will flow through to main screen)"]
[null,null,{"$f":"$D$18","v":"Applicant 1"},{"$f":"N57","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*D19)","v":0},null,null,{"$f":"D75+G75","v":0}]
[]
[null,null,{"$f":"$F$18","v":""},{"$f":"N59","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*F19)","v":0},null,null,{"$f":"D77+G77","v":0}]
[]
[null,null,{"$f":"$H$18","v":""},{"$f":"N61","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*H19)","v":0},null,null,{"$f":"D79+G79","v":0}]
[]
[null,null,{"$f":"$J$18","v":""},{"$f":"N63","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*J19)","v":0},null,null,{"$f":"D81+G81","v":0}]
[]
[null,null,{"$f":"$L$18","v":""},{"$f":"N65","v":0},null,null,{"$f":"IF(N19>1,\"\",J50*L19)","v":0},null,null,{"$f":"D83+G83","v":0}]

{"sheet":"Foreign Income","index":16,"n_rows":11,"n_cols":5,"rows_kept":11,"cut":false,"hidden":false,"merged":[[1,1,1,6],[2,1,2,6],[4,5,5,6],[7,5,8,6],[10,1,10,5]]}
[]
[null,"Applicable Foreign Income (annual)"]
[null,"Tier 1 currencies (80% acceptable in serviceability): Canadian Dollars (CAD) / Euro (EUR) / British Pound (GBP) / Hong Kong Dollars (HKD) / Japanese yen (JPY) / New Zealand Dollar (NZD) / Singapore Dollars (SGD) / U.S. Dollars (USD)\n\nTier 2 currencies (50% acceptable in serviceability): Chinese Yuan\n\nNew to bank clients must be living and working in Australia. Lending to existing AMP Bank clients living and working overseas (ex-pats) may continue subject to current policy and procedure parameters\n\nApplicants with overseas income:\n▪Maximum 70% LVR for Tier 1 currencies\n▪Maximum 50% LVR for Tier 2 currencies\n\nSee Credit Policy for more information"]
[null,null,"Currency Tier","Total Foreign Gross Annual Income ($AUD)","Allowable"]
[null,{"$f":"'Customer view page'!E$14","v":"Applicant 1"},null,null,{"$f":"IF(C5=\"Tier 1\",D5*'All data points & rules'!$M$20,IF(C5=\"Tier 2\",D5*'All data points & rules'!$M$21,\"\"))","v":""}]
[null,{"$f":"'Customer view page'!G$14","v":"N/A"},null,null,{"$f":"IF(C6=\"Tier 1\",D6*'All data points & rules'!$M$20,IF(C6=\"Tier 2\",D6*'All data points & rules'!$M$21,\"\"))","v":""}]
[null,{"$f":"'Customer view page'!I$14","v":"N/A"},null,null,{"$f":"IF(C7=\"Tier 1\",D7*'All data points & rules'!$M$20,IF(C7=\"Tier 2\",D7*'All data points & rules'!$M$21,\"\"))","v":""}]
[null,{"$f":"'Customer view page'!K$14","v":"N/A"},null,null,{"$f":"IF(C8=\"Tier 1\",D8*'All data points & rules'!$M$20,IF(C8=\"Tier 2\",D8*'All data points & rules'!$M$21,\"\"))","v":""}]
[null,{"$f":"'Customer view page'!N$14","v":"N/A"},null,null,{"$f":"IF(C9=\"Tier 1\",D9*'All data points & rules'!$M$20,IF(C9=\"Tier 2\",D9*'All data points & rules'!$M$21,\"\"))","v":""}]
[]
[null,"NOTE: any foreign rental income should be entered as rental income"]

{"sheet":"Rental Income","index":17,"n_rows":25,"n_cols":21,"rows_kept":25,"cut":false,"hidden":false,"merged":[[16,1,17,3],[19,1,20,3],[0,1,3,3],[14,1,14,4],[3,14,3,19],[13,8,13,9],[13,14,14,19],[3,4,3,10],[3,11,3,13],[0,4,2,11],[18,7,21,10],[0,14,2,19],[18,14,18,18]]}
[null,"Rental income calculator",null,null,"NOTE: all properties listed here will appear in 'existing debt' sheet; there, you will need to fill out repayment and loan information. If the rental income is for the new loan you're applying for with AMP Bank, debt details should instead be provided on the main page",null,null,null,null,null,null,null,null,null,{"$f":"IF(SUM(O6:S13)=0,\"IMPORTANT! Ensure to apply ownership by applicant\",\"\")","v":""}]
[]
[]
[null,null,null,null,"Calculation of Rental Income",null,null,null,null,null,null,"Calculation of Interest Expense\n(for negative gearing)",null,null,"% Allocation of Property Rent/Expense to Applicants*\n(NOTE: include each applicant's spouse, even if not an applicant themselves)"]
[null,"Property","Property Address/Identifier","Is this the loan being applied for?","Property Type Discount","Location Discount","Value of Property","Weekly Rent Received","Rental Return","Assessment Rent Allowed","Property Type Discount","Outstanding (or new) Loan Amount","Interest rate (pa)","Monthly Interest Expense",{"$f":"'Customer view page'!E14","v":"Applicant 1"},{"$f":"'Customer view page'!G14","v":"N/A"},{"$f":"'Customer view page'!I14","v":"N/A"},{"$f":"'Customer view page'!K14","v":"N/A"},{"$f":"'Customer view page'!N14","v":"N/A"},"Total"]
[null,1,null,null,null,null,null,null,{"$f":"IF(OR(G6=\"\",H6=\"\",),\"\",H6*52/G6)","v":""},{"$f":"IF(OR(H6=\"\",G6=\"\"),\"\",IF(I6<'All data points & rules'!$F$7,H6,G6*'All data points & rules'!$F$7/52))","v":""},{"$f":"IF(OR(E6=\"\",J6=\"\"),\"\",J6*VLOOKUP(E6,'All data points & rules'!$L$3:$N$12,3,FALSE)*VLOOKUP(F6,'All data points & rules'!$L$14:$N$16,3,FALSE))","v":""},null,null,{"$f":"IF(L6=\"\",\"\",L6*VLOOKUP(F6,'All data points & rules'!$L$14:$N$16,3,FALSE)*M6/12)","v":""},1,null,null,null,null,{"$f":"IF(SUM(O6:S6)=0,\"\",SUM(O6:S6))","v":1},{"$f":"IF(T6<100%,\"CDR: will be reflected in 'existing debts' table\",\"\")","v":""}]
[null,2,null,null,null,null,null,null,{"$f":"IF(OR(G7=\"\",H7=\"\",),\"\",H7*52/G7)","v":""},{"$f":"IF(OR(H7=\"\",G7=\"\"),\"\",IF(I7<'All data points & rules'!$F$7,H7,G7*'All data points & rules'!$F$7/52))","v":""},{"$f":"IF(OR(E7=\"\",J7=\"\"),\"\",J7*VLOOKUP(E7,'All data points & rules'!$L$3:$N$12,3,FALSE)*VLOOKUP(F7,'All data points & rules'!$L$14:$N$16,3,FALSE))","v":""},null,null,{"$f":"IF(L7=\"\",\"\",L7*VLOOKUP(F7,'All data points & rules'!$L$14:$N$16,3,FALSE)*M7/12)","v":""},1,null,null,null,null,{"$f":"IF(SUM(O7:S7)=0,\"\",SUM(O7:S7))","v":1},{"$f":"IF(T7<100%,\"CDR: will be reflected in 'existing debts' table\",\"\")","v":""}]
[null,3,null,null,null,null,null,null,{"$f":"IF(OR(G8=\"\",H8=\"\",),\"\",H8*52/G8)","v":""},{"$f":"IF(OR(H8=\"\",G8=\"\"),\"\",IF(I8<'All data points & rules'!$F$7,H8,G8*'All data points & rules'!$F$7/52))","v":""},{"$f":"IF(OR(E8=\"\",J8=\"\"),\"\",J8*VLOOKUP(E8,'All data points & rules'!$L$3:$N$12,3,FALSE)*VLOOKUP(F8,'All data points & rules'!$L$14:$N$16,3,FALSE))","v":""},null,null,{"$f":"IF(L8=\"\",\"\",L8*VLOOKUP(F8,'All data points & rules'!$L$14:$N$16,3,FALSE)*M8/12)","v":""},1,null,null,null,null,{"$f":"IF(SUM(O8:S8)=0,\"\",SUM(O8:S8))","v":1},""]
[null,4,null,null,null,null,null,null,"",{"$f":"IF(OR(H9=\"\",G9=\"\"),\"\",IF(I9<'All data points & rules'!$F$7,H9,G9*'All data points & rules'!$F$7/52))","v":""},{"$f":"IF(OR(E9=\"\",J9=\"\"),\"\",J9*VLOOKUP(E9,'All data points & rules'!$L$3:$N$12,3,FALSE)*VLOOKUP(F9,'All data points & rules'!$L$14:$N$16,3,FALSE))","v":""},null,null,{"$f":"IF(L9=\"\",\"\",L9*VLOOKUP(F9,'All data points & rules'!$L$14:$N$16,3,FALSE)*M9/12)","v":""},1,null,null,null,null,1,""]
[null,5,null,null,null,null,null,null,"",{"$f":"IF(OR(H10=\"\",G10=\"\"),\"\",IF(I10<'All data points & rules'!$F$7,H10,G10*'All data points & rules'!$F$7/52))","v":""},{"$f":"IF(OR(E10=\"\",J10=\"\"),\"\",J10*VLOOKUP(E10,'All data points & rules'!$L$3:$N$12,3,FALSE)*VLOOKUP(F10,'All data points & rules'!$L$14:$N$16,3,FALSE))","v":""},null,null,{"$f":"IF(L10=\"\",\"\",L10*VLOOKUP(F10,'All data points & rules'!$L$14:$N$16,3,FALSE)*M10/12)","v":""},1,null,null,null,null,1,""]
[null,6,null,null,null,null,null,null,"",{"$f":"IF(OR(H11=\"\",G11=\"\"),\"\",IF(I11<'All data points & rules'!$F$7,H11,G11*'All data points & rules'!$F$7/52))","v":""},{"$f":"IF(OR(E11=\"\",J11=\"\"),\"\",J11*VLOOKUP(E11,'All data points & rules'!$L$3:$N$12,3,FALSE)*VLOOKUP(F11,'All data points & rules'!$L$14:$N$16,3,FALSE))","v":""},null,null,{"$f":"IF(L11=\"\",\"\",L11*VLOOKUP(F11,'All data points & rules'!$L$14:$N$16,3,FALSE)*M11/12)","v":""},1,null,null,null,null,1,""]
[null,7,null,null,null,null,null,null,"",{"$f":"IF(OR(H12=\"\",G12=\"\"),\"\",IF(I12<'All data points & rules'!$F$7,H12,G12*'All data points & rules'!$F$7/52))","v":""},{"$f":"IF(OR(E12=\"\",J12=\"\"),\"\",J12*VLOOKUP(E12,'All data points & rules'!$L$3:$N$12,3,FALSE)*VLOOKUP(F12,'All data points & rules'!$L$14:$N$16,3,FALSE))","v":""},null,null,{"$f":"IF(L12=\"\",\"\",L12*VLOOKUP(F12,'All data points & rules'!$L$14:$N$16,3,FALSE)*M12/12)","v":""},1,null,null,null,null,1,""]
[null,8,null,null,null,null,null,null,"",{"$f":"IF(OR(H13=\"\",G13=\"\"),\"\",IF(I13<'All data points & rules'!$F$7,H13,G13*'All data points & rules'!$F$7/52))","v":""},{"$f":"IF(OR(E13=\"\",J13=\"\"),\"\",J13*VLOOKUP(E13,'All data points & rules'!$L$3:$N$12,3,FALSE)*VLOOKUP(F13,'All data points & rules'!$L$14:$N$16,3,FALSE))","v":""},null,null,{"$f":"IF(L13=\"\",\"\",L13*VLOOKUP(F13,'All data points & rules'!$L$14:$N$16,3,FALSE)*M13/12)","v":""},1,null,null,null,null,1,""]
[null,null,null,null,null,null,null,null,"Total Weekly Rent",null,{"$f":"SUM(K6:K13)","v":0},null,null,null,"NOTE: if total ownership among applicants (plus their spouse/s) is not 100%, this will be treated as common debt reducer (CDR)"]
[null,"Definitions"]
[null,"Property type discount (see link below)",null,null,"Location discount"]
[null,"- Residential: properties not in zone 4/5, or deemed to be \nhigh density",null,null,"- Domestic: all Australian residential properties",null,null,null,null,null,null,null,null,"Annual neg gearing expense",{"$f":"'Serviceability calculations'!C29","v":0},{"$f":"'Serviceability calculations'!D29","v":0},{"$f":"'Serviceability calculations'!E29","v":0},{"$f":"'Serviceability calculations'!F29","v":0},{"$f":"'Serviceability calculations'!G29","v":0}]
[null,null,null,null,"- Foreign tier 1: USA, Canada, Europe",null,null,null,null,null,null,null,null,"Monthly neg gearing expense",{"$f":"O17/12","v":0},{"$f":"P17/12","v":0},0,0,0]
[null,"- Zone 4/5 residential: high risk & ultra high risk postcodes",null,null,"- Foreign tier 2: China",null,null,{"$f":"IF(COUNTIF(D6:D13,\"Yes\")>0,\"NOTE: ensure you enter the loan and security details for your new AMP Bank loan/s on the main screen\",\"\")","v":""},null,null,null,null,null,null,{"$f":"IF(OR(AND(T6>100%,T6<>\"\"),AND(T7>100%,T7<>\"\"),AND(T8>100%,T8<>\"\"),AND(T9>100%,T9<>\"\"),AND(T10>100%,T10<>\"\"),AND(T11>100%,T11<>\"\"),AND(T11>100%,T11<>\"\"),AND(T12>100%,T12<>\"\"),AND(T13>100%,T13<>\"\")),\"Error: ownership cannot be more than 100%. Please amend.\",\"\")","v":""}]
[null,"- Residential high density: apt/unit in a 'high density' postcode, with >10 units in block"]
[]
[null,"- Commercial: used for business purposes"]
[null,"- Serviced apartment: furnished apartment available for short-term stays"]
[]
[null,"See the Security Property Location Guide to confirm the discount type as per above"]

{"sheet":"Deductions","index":18,"n_rows":19,"n_cols":10,"rows_kept":19,"cut":false,"hidden":false,"merged":[[1,1,1,9],[2,1,2,9]]}
[]
[null,"Deductions"]
[null,"NOTES\n- If a deduction cannot be converted to cash then it cannot be used towards serviceability income\n- Pre-tax deductions will have the applicable tax removed from the deduction\n - If salary deductions are being included in serviceability, provide documentary evidence of the deduction and its ability to be converted to cash (AMP Bank may consider deductions being included in serviceability if they can be coverted to cash)"]
[]
[null,null,null,null,null,null,null,"Applicants",{"$f":"'Customer view page'!C7","v":1}]
[null,null,"Frequency","Deduction amount","Annual amount","Deduction type/description",null,"Applicant","Pre/post tax","Can the deduction be converted to cash?"]
[null,1,null,null,{"$f":"IF(OR(C7=\"\",D7=\"\"),\"\",D7*VLOOKUP(C7,'All data points & rules'!$L$31:$N$36,2,0))","v":""}]
[null,2,null,null,{"$f":"IF(OR(C8=\"\",D8=\"\"),\"\",D8*VLOOKUP(C8,'All data points & rules'!$L$31:$N$36,2,0))","v":""}]
[null,3,null,null,{"$f":"IF(OR(C9=\"\",D9=\"\"),\"\",D9*VLOOKUP(C9,'All data points & rules'!$L$31:$N$36,2,0))","v":""}]
[null,4,null,null,{"$f":"IF(OR(C10=\"\",D10=\"\"),\"\",D10*VLOOKUP(C10,'All data points & rules'!$L$31:$N$36,2,0))","v":""}]
[null,5,null,null,{"$f":"IF(OR(C11=\"\",D11=\"\"),\"\",D11*VLOOKUP(C11,'All data points & rules'!$L$31:$N$36,2,0))","v":""}]
[null,6,null,null,{"$f":"IF(OR(C12=\"\",D12=\"\"),\"\",D12*VLOOKUP(C12,'All data points & rules'!$L$31:$N$36,2,0))","v":""}]
[null,7,null,null,{"$f":"IF(OR(C13=\"\",D13=\"\"),\"\",D13*VLOOKUP(C13,'All data points & rules'!$L$31:$N$36,2,0))","v":""}]
[null,8,null,null,{"$f":"IF(OR(C14=\"\",D14=\"\"),\"\",D14*VLOOKUP(C14,'All data points & rules'!$L$31:$N$36,2,0))","v":""}]
[null,9,null,null,{"$f":"IF(OR(C15=\"\",D15=\"\"),\"\",D15*VLOOKUP(C15,'All data points & rules'!$L$31:$N$36,2,0))","v":""}]
[null,10,null,null,{"$f":"IF(OR(C16=\"\",D16=\"\"),\"\",D16*VLOOKUP(C16,'All data points & rules'!$L$31:$N$36,2,0))","v":""}]
[]
[null,null,"Total (monthly)",{"$f":"'Serviceability calculations'!Y35","v":0}]
[null,null,"Total (annual)",{"$f":"D18*12","v":0}]

{"sheet":"Monthly expenses","index":19,"n_rows":31,"n_cols":11,"rows_kept":31,"cut":false,"hidden":false,"merged":[[0,1,2,2],[23,10,24,11]]}
[null,"Customer Declared Living Expenses (CDLE)"]
[]
[]
[null,"Item","Details","Total Monthly Amount",{"$f":"'Customer view page'!E14","v":"Applicant 1"},{"$f":"'Customer view page'!G14","v":"N/A"},{"$f":"'Customer view page'!I14","v":"N/A"},{"$f":"'Customer view page'!K14","v":"N/A"},{"$f":"'Customer view page'!N14","v":"N/A"},"Compared to HEM"]
[null,"Primary Residence Costs (excluding Insurance)","Housing and property expenses associated with the applicant's primary residence, either owned or rented. Includes rates, levies, repairs and maintenance, all other utilities and other household costs for fixtures and fittings (excluding land tax, body corporate and strata fees, telephone, internet, pay TV and Insurances).",{"$f":"SUM(E5:I5)","v":0},null,null,null,null,null,"Yes"]
[null,"Telephone, Internet, Pay TV and Media Streaming Subscriptions","Telephone accounts (home and mobile), internet, pay TV and media streaming subscriptions (such as Netflix and Spotify).",{"$f":"SUM(E6:I6)","v":0},null,null,null,null,null,"Yes"]
[null,"Groceries","Typical supermarket shop for groceries including food and toiletries (excluding alcohol & tobacco).",0,null,null,null,null,null,"Yes"]
[null,"Clothing and Personal Care","Clothing, footwear, cosmetics and personal care.",0,null,null,null,null,null,"Yes"]
[null,"Recreation, Entertainment, and Pet Care","Recreation and entertainment costs including alcohol, tobaccos, gambling, restaurants, membership fees, pet care and holidays.",0,null,null,null,null,null,"Yes"]
[null,"Transport","Public transport, motor vehicle running costs including fuel, servicing, registration, parking and tolls (excluding motor vehicle insurance which is categorised under insurance).",{"$f":"SUM(E10:I10)","v":0},null,null,null,null,null,"Yes"]
[null,"Childcare","Childcare including nannies.",{"$f":"SUM(E11:I11)","v":0},null,null,null,null,null,"Yes"]
[null,"Medical and Health (excluding Health Insurance)","Medical and health costs including doctor, dental, optical and pharmaceutical etc. (excluding health insurance which is categorised under 'General Insurance (Including Home & Contents on Primary O/Occ Residence and Health)').",{"$f":"SUM(E12:I12)","v":0},null,null,null,null,null,"Yes"]
[null,"General Insurance (Including Home and Contents on Primary Owner Occupied Residence and Health)","Insurance costs such as personal belongings, travel and ambulance insurance, home and content, building as well as any compulsory insurance of motor vehicles (combined insurance and registration) other than recreation vehicles. Includes hospital, medical, dental and health insurance.",0,null,null,null,null,null,"Yes"]
[null,"Personal Insurance (Life, Sickness and Personal Accident)","Sickness and personal accident insurance, life insurance.",0,null,null,null,null,null,"No"]
[null,"Public or Government Primary and Secondary Education","Education fees, books, uniforms and associated costs for public schooling (preschool, primary or secondary).",0,null,null,null,null,null,"Yes"]
[null,"Investment Property Costs (including Insurance)","All costs associated with an 'Investment Property' including building/contents insurance, rates, taxes, levies, body corporate, strata fees, repairs, maintenance.",{"$f":"SUM(E16:I16)","v":0},null,null,null,null,null,"Yes"]
[null,"Child and Spouse Maintenance","Child and/or spousal maintenance payments.",{"$f":"SUM(E17:I17)","v":0},null,null,null,null,null,"No"]
[null,"Private and Non-Government Education","Tuition fees, school fees, sports fees, books, uniforms and associated costs for private schooling, including independent schools (Catholic or non-Catholic), private tuition and compulsory age kindergarten/pre-primary/prep/reception.",0,null,null,null,null,null,"No"]
[null,"Higher Education and Vocational Training (excluding HECS/HELP)","Fees, accommodation, books and associated costs for higher education (tertiary) and vocational training e.g. university, TAFE, business college, drama, music, dance (excluding HECS).",0,null,null,null,null,null,"Yes"]
[null,"Owner Occupied Strata, Body Corporate, Land Tax","Land tax, body corporate and strata fees on owner-occupied principal place of residence (excluding investment properties, secondary residences, and properties maintained for other purposes such as holiday properties or residences maintained for parents or children).",{"$f":"SUM(E20:I20)","v":0},null,null,null,null,null,"No"]
[null,"Other Insurances","Insurance of recreational vehicles such as motor cycle, caravan, trailer, boat and aircraft including combined insurance and registration.",{"$f":"SUM(E21:I21)","v":0},null,null,null,null,null,"Yes"]
[null,"Other Regular and Recurring Expenses","Other Regular and Recurring Expenses.",0,null,null,null,null,null,"Yes"]
[null,"Secondary Residence and Holiday Home Costs (including Insurance)","Costs associated with any secondary residences, either rented or owned for non-investment purposes, such as a holiday property that is not rented to generate income, or a property that family members (parents or children) are allowed to live in rent-free. Includes building/contents insurance, rates, taxes, levies, body corporate, strata fees, repairs, maintenance.",{"$f":"SUM(E23:I23)","v":0},null,null,null,null,null,"Yes"]
[null,"Rent","Ongoing Rent commitments that will continue to be paid after settlement.",{"$f":"IF(E24>0,MAX(E24,'All data points & rules'!$T$2),0)+IF(F24>0,MAX(F24,'All data points & rules'!$T$2),0)+IF(G24>0,MAX(G24,'All data points & rules'!$T$2),0)+IF(H24>0,MAX(H24,'All data points & rules'!$T$2),0)+IF(I24>0,MAX(I24,'All data points & rules'!$T$2),0)","v":0},null,null,null,null,null,"No1","*If applicable, min of $650 assumed"]
[null,"Board","Ongoing Board commitments that will continue to be paid after settlement.",{"$f":"IF(E25>0,MAX(E25,'All data points & rules'!$T$2),0)+IF(F25>0,MAX(F25,'All data points & rules'!$T$2),0)+IF(G25>0,MAX(G25,'All data points & rules'!$T$2),0)+IF(H25>0,MAX(H25,'All data points & rules'!$T$2),0)+IF(I25>0,MAX(I25,'All data points & rules'!$T$2),0)","v":0},null,null,null,null,null,"No1"]
[null,"SMSF Management Expense","SMSF Management Expense",{"$f":"SUM(E26:I26)","v":0},null,null,null,null,null,"No"]
[]
[null,null,"Expenses comparable to HEM",{"$f":"SUM(E28:I28)","v":0},{"$f":"SUMIF($J$5:$J$26,\"Yes\",E5:E26)","v":0},{"$f":"SUMIF($J$5:$J$26,\"Yes\",F5:F26)","v":0},0,0,0]
[null,null,"Borrower's HEM",null,{"$f":"'HEM tables & calculation'!L30","v":""},{"$f":"'HEM tables & calculation'!L31","v":""},{"$f":"'HEM tables & calculation'!L32","v":""},{"$f":"'HEM tables & calculation'!L33","v":""},{"$f":"'HEM tables & calculation'!L34","v":""}]
[]
[null,null,"Additional (non-comparable to HEM)",{"$f":"SUM(E31:I31)","v":0},{"$f":"IF(SUM(E5:E26)-E28=0,0,IF(E25>0,MAX(E25,'All data points & rules'!$T$2))+IF(E24>0,MAX(E24,'All data points & rules'!$T$2))+SUMIF($J$5:$J$26,\"No\",E5:E26))","v":0},{"$f":"IF(SUM(F5:F26)-F28=0,0,IF(F25>0,MAX(F25,'All data points & rules'!$T$2))+IF(F24>0,MAX(F24,'All data points & rules'!$T$2))+SUMIF($J$5:$J$26,\"No\",F5:F26))","v":0},{"$f":"IF(SUM(G5:G26)-G28=0,0,IF(G25>0,MAX(G25,'All data points & rules'!$T$2))+IF(G24>0,MAX(G24,'All data points & rules'!$T$2))+SUMIF($J$5:$J$26,\"No\",G5:G26))","v":0},{"$f":"IF(SUM(H5:H26)-H28=0,0,IF(H25>0,MAX(H25,'All data points & rules'!$T$2))+IF(H24>0,MAX(H24,'All data points & rules'!$T$2))+SUMIF($J$5:$J$26,\"No\",H5:H26))","v":0},{"$f":"IF(SUM(I5:I26)-I28=0,0,IF(I25>0,MAX(I25,'All data points & rules'!$T$2))+IF(I24>0,MAX(I24,'All data points & rules'!$T$2))+SUMIF($J$5:$J$26,\"No\",I5:I26))","v":0}]

{"sheet":"Existing debt","index":20,"n_rows":24,"n_cols":15,"rows_kept":24,"cut":false,"hidden":false,"merged":[[19,2,19,3],[19,4,19,5],[20,4,20,5],[21,4,21,5],[22,4,22,5],[14,4,14,5],[15,4,15,5],[16,4,16,5],[17,4,17,5],[18,4,18,5],[0,1,1,6],[15,2,15,3],[16,2,16,3],[17,2,17,3],[18,2,18,3],[2,1,2,2],[4,2,4,3],[5,2,5,3],[6,2,6,3],[14,2,14,3],[10,2,10,3],[7,2,7,3],[8,2,8,3],[9,2,9,3],[12,1,12,2],[2,3,3,8],[23,4,23,5],[20,2,20,3],[21,2,21,3],[22,2,22,3],[23,2,23,3]]}
[null,"Existing debt calculator"]
[]
[null,"Rental properties",null,"Ensure all properties that receive rent are entered on the 'rental income' screen, then fill out the remainder of the required info. If the rental income declared is the new loan coming to AMP Bank, the loan info should be input on the main page"]
[]
[null,"Property","Loan identifier",null,"Loan balance","Loan limit\n(inc. any redraw)","Monthly repayment","Assessed Repayment","Will this utilise common debt reducer?","Loan Type","Loan Term Remaining (Years) ","Remaining IO Term (Years)","Interest\nRate","% of Ownership (all applicants)"]
[null,1,{"$f":"IF('Rental Income'!C6=\"\",\"\",IF('Rental Income'!D6=\"Yes\",\"NEW LOAN: enter loan and security details on main screen\",IF('Rental Income'!L6=0,\"No loan outstanding on property\",'Rental Income'!C6)))","v":""},null,{"$f":"IF('Rental Income'!L6=\"\",\"\",IF('Rental Income'!D6=\"Yes\",0,'Rental Income'!L6))","v":""},null,null,{"$f":"IF(F6=\"\",\"\",IF(J6=Lists!$U$4,MAX(G6,-PMT((MAX('All data points & rules'!$F$2,M6))/12,MIN(60,IF(K6=\"\",60,K6*12)),F6)),MAX(-PMT(IF(AND(I6=\"No\",J6=Lists!$U$2),MAX('All data points & rules'!$F$2,M6+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M6+'All data points & rules'!$F$3)/12),IF(AND(K6=\"\",L6=\"\"),360,IF(AND(K6=\"\",L6<>\"\"),360-(L6*12),(K6-L6)*12)),F6),G6))*IF(I6=\"Yes\",N6,1))","v":""},{"$f":"IF(OR(E6=\"\",E6=0),\"\",IF(N6<100%, \"Yes\", \"No\"))","v":""},null,null,null,null,{"$f":"'Rental Income'!T6","v":1}]
[null,2,{"$f":"IF('Rental Income'!C7=\"\",\"\",IF('Rental Income'!D7=\"Yes\",\"NEW LOAN: enter loan and security details on main screen\",IF('Rental Income'!L7=0,\"No loan outstanding on property\",'Rental Income'!C7)))","v":""},null,{"$f":"IF('Rental Income'!L7=\"\",\"\",IF('Rental Income'!D7=\"Yes\",0,'Rental Income'!L7))","v":""},null,null,{"$f":"IF(F7=\"\",\"\",IF(J7=Lists!$U$4,MAX(G7,-PMT((MAX('All data points & rules'!$F$2,M7))/12,MIN(60,IF(K7=\"\",60,K7*12)),F7)),MAX(-PMT(IF(AND(I7=\"No\",J7=Lists!$U$2),MAX('All data points & rules'!$F$2,M7+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M7+'All data points & rules'!$F$3)/12),IF(AND(K7=\"\",L7=\"\"),360,IF(AND(K7=\"\",L7<>\"\"),360-(L7*12),(K7-L7)*12)),F7),G7))*IF(I7=\"Yes\",N7,1))","v":""},{"$f":"IF(OR(E7=\"\",E7=0),\"\",IF(N7<100%, \"Yes\", \"No\"))","v":""},null,null,null,null,{"$f":"'Rental Income'!T7","v":1}]
[null,3,{"$f":"IF('Rental Income'!C8=\"\",\"\",IF('Rental Income'!D8=\"Yes\",\"NEW LOAN: enter loan and security details on main screen\",IF('Rental Income'!L8=0,\"No loan outstanding on property\",'Rental Income'!C8)))","v":""},null,{"$f":"IF('Rental Income'!L8=\"\",\"\",IF('Rental Income'!D8=\"Yes\",0,'Rental Income'!L8))","v":""},null,null,{"$f":"IF(F8=\"\",\"\",IF(J8=Lists!$U$4,MAX(G8,-PMT((MAX('All data points & rules'!$F$2,M8))/12,MIN(60,IF(K8=\"\",60,K8*12)),F8)),MAX(-PMT(IF(AND(I8=\"No\",J8=Lists!$U$2),MAX('All data points & rules'!$F$2,M8+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M8+'All data points & rules'!$F$3)/12),IF(AND(K8=\"\",L8=\"\"),360,IF(AND(K8=\"\",L8<>\"\"),360-(L8*12),(K8-L8)*12)),F8),G8))*IF(I8=\"Yes\",N8,1))","v":""},"",null,null,null,null,{"$f":"'Rental Income'!T8","v":1}]
[null,4,{"$f":"IF('Rental Income'!C9=\"\",\"\",IF('Rental Income'!D9=\"Yes\",\"NEW LOAN: enter loan and security details on main screen\",IF('Rental Income'!L9=0,\"No loan outstanding on property\",'Rental Income'!C9)))","v":""},null,{"$f":"IF('Rental Income'!L9=\"\",\"\",IF('Rental Income'!D9=\"Yes\",0,'Rental Income'!L9))","v":""},null,null,{"$f":"IF(F9=\"\",\"\",IF(J9=Lists!$U$4,MAX(G9,-PMT((MAX('All data points & rules'!$F$2,M9))/12,MIN(60,IF(K9=\"\",60,K9*12)),F9)),MAX(-PMT(IF(AND(I9=\"No\",J9=Lists!$U$2),MAX('All data points & rules'!$F$2,M9+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M9+'All data points & rules'!$F$3)/12),IF(AND(K9=\"\",L9=\"\"),360,IF(AND(K9=\"\",L9<>\"\"),360-(L9*12),(K9-L9)*12)),F9),G9))*IF(I9=\"Yes\",N9,1))","v":""},"",null,null,null,null,{"$f":"'Rental Income'!T9","v":1}]
[null,5,{"$f":"IF('Rental Income'!C10=\"\",\"\",IF('Rental Income'!D10=\"Yes\",\"NEW LOAN: enter loan and security details on main screen\",IF('Rental Income'!L10=0,\"No loan outstanding on property\",'Rental Income'!C10)))","v":""},null,{"$f":"IF('Rental Income'!L10=\"\",\"\",IF('Rental Income'!D10=\"Yes\",0,'Rental Income'!L10))","v":""},null,null,{"$f":"IF(F10=\"\",\"\",IF(J10=Lists!$U$4,MAX(G10,-PMT((MAX('All data points & rules'!$F$2,M10))/12,MIN(60,IF(K10=\"\",60,K10*12)),F10)),MAX(-PMT(IF(AND(I10=\"No\",J10=Lists!$U$2),MAX('All data points & rules'!$F$2,M10+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M10+'All data points & rules'!$F$3)/12),IF(AND(K10=\"\",L10=\"\"),360,IF(AND(K10=\"\",L10<>\"\"),360-(L10*12),(K10-L10)*12)),F10),G10))*IF(I10=\"Yes\",N10,1))","v":""},"",null,null,null,null,{"$f":"'Rental Income'!T10","v":1}]
[null,6,{"$f":"IF('Rental Income'!C11=\"\",\"\",IF('Rental Income'!D11=\"Yes\",\"NEW LOAN: enter loan and security details on main screen\",IF('Rental Income'!L11=0,\"No loan outstanding on property\",'Rental Income'!C11)))","v":""},null,{"$f":"IF('Rental Income'!L11=\"\",\"\",IF('Rental Income'!D11=\"Yes\",0,'Rental Income'!L11))","v":""},null,null,{"$f":"IF(F11=\"\",\"\",IF(J11=Lists!$U$4,MAX(G11,-PMT((MAX('All data points & rules'!$F$2,M11))/12,MIN(60,IF(K11=\"\",60,K11*12)),F11)),MAX(-PMT(IF(AND(I11=\"No\",J11=Lists!$U$2),MAX('All data points & rules'!$F$2,M11+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M11+'All data points & rules'!$F$3)/12),IF(AND(K11=\"\",L11=\"\"),360,IF(AND(K11=\"\",L11<>\"\"),360-(L11*12),(K11-L11)*12)),F11),G11))*IF(I11=\"Yes\",N11,1))","v":""},"",null,null,null,null,{"$f":"'Rental Income'!T11","v":1}]
[]
[null,"Other debt",null,"Do not include credit cards or HECS/HELP (see main page). Do not include rental properties: they will automatically pull from the 'rental income' screen into the table above."]
[]
[null,"Debt","Loan identifier",null,"Loan limit\n(inc. any redraw)",null,"Monthly Repayment","Assessed Repayment","Will this utilise common debt reducer?","Loan Type","Loan Term Remaining\n(Years) ","Remaining IO Term (Years)","Interest\nRate","% of Ownership (all applicants + spouse/s)"]
[null,1,null,null,null,null,null,{"$f":"IF(E16=\"\",\"\",IF(J16=\"Personal/Equipment Loan - FIXED rate/payments for life of Loan\",G16,IF(J16=Lists!$U$4,MAX(G16,-PMT((MAX('All data points & rules'!$F$2,M16+'All data points & rules'!$F$3))/12,MIN(60,IF(K16=\"\",60,K16*12)),E16)),MAX(-PMT(IF(AND(I16=\"No\",J16=Lists!$U$2),MAX('All data points & rules'!$F$2,M16+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M16+'All data points & rules'!$F$3)/12),IF(AND(K16=\"\",L16=\"\"),360,IF(AND(K16=\"\",L16<>\"\"),360-(L16*12),(K16-L16)*12)),E16),G16))*IF(I16=\"Yes\",N16,1)))","v":""},null,null,null,null,null,1,{"$f":"IF(AND(I16=\"YES\",N16=100%),\"CHECK: If CDR = 'Yes', applicant ownership should be < 100%\",IF(AND(I16=\"NO\",N16<100%),\"CHECK: If ownership is <100%, then CDR should be 'Yes'\",\"\"))","v":""}]
[null,2,null,null,null,null,null,{"$f":"IF(E17=\"\",\"\",IF(J17=\"Personal/Equipment Loan - FIXED rate/payments for life of Loan\",G17,IF(J17=Lists!$U$4,MAX(G17,-PMT((MAX('All data points & rules'!$F$2,M17+'All data points & rules'!$F$3))/12,MIN(60,IF(K17=\"\",60,K17*12)),E17)),MAX(-PMT(IF(AND(I17=\"No\",J17=Lists!$U$2),MAX('All data points & rules'!$F$2,M17+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M17+'All data points & rules'!$F$3)/12),IF(AND(K17=\"\",L17=\"\"),360,IF(AND(K17=\"\",L17<>\"\"),360-(L17*12),(K17-L17)*12)),E17),G17))*IF(I17=\"Yes\",N17,1)))","v":""},null,null,null,null,null,1,{"$f":"IF(AND(I17=\"YES\",N17=100%),\"CHECK: If CDR = 'Yes', applicant ownership should be < 100%\",IF(AND(I17=\"NO\",N17<100%),\"CHECK: If ownership is <100%, then CDR should be 'Yes'\",\"\"))","v":""}]
[null,3,null,null,null,null,null,{"$f":"IF(E18=\"\",\"\",IF(J18=\"Personal/Equipment Loan - FIXED rate/payments for life of Loan\",G18,IF(J18=Lists!$U$4,MAX(G18,-PMT((MAX('All data points & rules'!$F$2,M18+'All data points & rules'!$F$3))/12,MIN(60,IF(K18=\"\",60,K18*12)),E18)),MAX(-PMT(IF(AND(I18=\"No\",J18=Lists!$U$2),MAX('All data points & rules'!$F$2,M18+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M18+'All data points & rules'!$F$3)/12),IF(AND(K18=\"\",L18=\"\"),360,IF(AND(K18=\"\",L18<>\"\"),360-(L18*12),(K18-L18)*12)),E18),G18))*IF(I18=\"Yes\",N18,1)))","v":""},null,null,null,null,null,1,""]
[null,4,null,null,null,null,null,{"$f":"IF(E19=\"\",\"\",IF(J19=\"Personal/Equipment Loan - FIXED rate/payments for life of Loan\",G19,IF(J19=Lists!$U$4,MAX(G19,-PMT((MAX('All data points & rules'!$F$2,M19+'All data points & rules'!$F$3))/12,MIN(60,IF(K19=\"\",60,K19*12)),E19)),MAX(-PMT(IF(AND(I19=\"No\",J19=Lists!$U$2),MAX('All data points & rules'!$F$2,M19+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M19+'All data points & rules'!$F$3)/12),IF(AND(K19=\"\",L19=\"\"),360,IF(AND(K19=\"\",L19<>\"\"),360-(L19*12),(K19-L19)*12)),E19),G19))*IF(I19=\"Yes\",N19,1)))","v":""},null,null,null,null,null,1,""]
[null,5,null,null,null,null,null,{"$f":"IF(E20=\"\",\"\",IF(J20=\"Personal/Equipment Loan - FIXED rate/payments for life of Loan\",G20,IF(J20=Lists!$U$4,MAX(G20,-PMT((MAX('All data points & rules'!$F$2,M20+'All data points & rules'!$F$3))/12,MIN(60,IF(K20=\"\",60,K20*12)),E20)),MAX(-PMT(IF(AND(I20=\"No\",J20=Lists!$U$2),MAX('All data points & rules'!$F$2,M20+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M20+'All data points & rules'!$F$3)/12),IF(AND(K20=\"\",L20=\"\"),360,IF(AND(K20=\"\",L20<>\"\"),360-(L20*12),(K20-L20)*12)),E20),G20))*IF(I20=\"Yes\",N20,1)))","v":""},null,null,null,null,null,1,""]
[null,6,null,null,null,null,null,{"$f":"IF(E21=\"\",\"\",IF(J21=\"Personal/Equipment Loan - FIXED rate/payments for life of Loan\",G21,IF(J21=Lists!$U$4,MAX(G21,-PMT((MAX('All data points & rules'!$F$2,M21+'All data points & rules'!$F$3))/12,MIN(60,IF(K21=\"\",60,K21*12)),E21)),MAX(-PMT(IF(AND(I21=\"No\",J21=Lists!$U$2),MAX('All data points & rules'!$F$2,M21+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M21+'All data points & rules'!$F$3)/12),IF(AND(K21=\"\",L21=\"\"),360,IF(AND(K21=\"\",L21<>\"\"),360-(L21*12),(K21-L21)*12)),E21),G21))*IF(I21=\"Yes\",N21,1)))","v":""},null,null,null,null,null,1,""]
[null,7,null,null,null,null,null,{"$f":"IF(E22=\"\",\"\",IF(J22=\"Personal/Equipment Loan - FIXED rate/payments for life of Loan\",G22,IF(J22=Lists!$U$4,MAX(G22,-PMT((MAX('All data points & rules'!$F$2,M22+'All data points & rules'!$F$3))/12,MIN(60,IF(K22=\"\",60,K22*12)),E22)),MAX(-PMT(IF(AND(I22=\"No\",J22=Lists!$U$2),MAX('All data points & rules'!$F$2,M22+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M22+'All data points & rules'!$F$3)/12),IF(AND(K22=\"\",L22=\"\"),360,IF(AND(K22=\"\",L22<>\"\"),360-(L22*12),(K22-L22)*12)),E22),G22))*IF(I22=\"Yes\",N22,1)))","v":""},null,null,null,null,null,1,""]
[null,8,null,null,null,null,null,{"$f":"IF(E23=\"\",\"\",IF(J23=\"Personal/Equipment Loan - FIXED rate/payments for life of Loan\",G23,IF(J23=Lists!$U$4,MAX(G23,-PMT((MAX('All data points & rules'!$F$2,M23+'All data points & rules'!$F$3))/12,MIN(60,IF(K23=\"\",60,K23*12)),E23)),MAX(-PMT(IF(AND(I23=\"No\",J23=Lists!$U$2),MAX('All data points & rules'!$F$2,M23+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M23+'All data points & rules'!$F$3)/12),IF(AND(K23=\"\",L23=\"\"),360,IF(AND(K23=\"\",L23<>\"\"),360-(L23*12),(K23-L23)*12)),E23),G23))*IF(I23=\"Yes\",N23,1)))","v":""},null,null,null,null,null,1,""]
[null,9,null,null,null,null,null,{"$f":"IF(E24=\"\",\"\",IF(J24=\"Personal/Equipment Loan - FIXED rate/payments for life of Loan\",G24,IF(J24=Lists!$U$4,MAX(G24,-PMT((MAX('All data points & rules'!$F$2,M24+'All data points & rules'!$F$3))/12,MIN(60,IF(K24=\"\",60,K24*12)),E24)),MAX(-PMT(IF(AND(I24=\"No\",J24=Lists!$U$2),MAX('All data points & rules'!$F$2,M24+'All data points & rules'!$F$3)/12,MAX('All data points & rules'!$F$2,M24+'All data points & rules'!$F$3)/12),IF(AND(K24=\"\",L24=\"\"),360,IF(AND(K24=\"\",L24<>\"\"),360-(L24*12),(K24-L24)*12)),E24),G24))*IF(I24=\"Yes\",N24,1)))","v":""},null,null,null,null,null,1,""]

{"sheet":"Family Guarantee","index":21,"n_rows":17,"n_cols":5,"rows_kept":17,"cut":false,"hidden":false,"merged":[[1,1,1,6],[2,1,2,6],[10,5,14,6]]}
[]
[null,"Family Guarantee checkbox"]
[null,"NOTE: this checkbox is designed for First Home Buyer Family Guarantee calculation only. Please check with your BDM."]
[]
[null,null,"Property value",null,{"$f":"IF(ISERROR(IF(D7/D5>0.2,\"Security Guarantee may not be needed. Check with your BDM\",\"\")),\"\",IF(D7/D5>0.2,\"Security Guarantee may not be needed. Check with your BDM\",\"\"))","v":""}]
[]
[null,null,"Deposit amount",null,{"$f":"IF(OR(D9=\"\",D7=\"\"),\"\",IF(D9+D7-D5=0,\"\",\"Error: Deposit Amount + Loan Amount does not add up to the Property Value\"))","v":""}]
[]
[null,null,"Loan amount",null,{"$f":"IF(D9>1000000,\"Max loan amount cannot exceed $1,000,000 for FHB Family Guarantee\",\"\")","v":""}]
[]
[null,null,"Family guarantee amount",{"$f":"((D5*0.2)-D7)/'All data points & rules'!T3","v":0}]
[]
[null,null,"Guarantor property value"]
[]
[null,null,"Existing or new guarantor loan with AMP Bank",0]
[]
[null,null,"Guarantee acceptable",{"$f":"IF(OR(D5=\"\",D7=\"\",D9=\"\",D13=\"\",D15=\"\"),\"\",IF(AND('All data points & rules'!T3*D13-D15>=D11, D13*'All data points & rules'!T4>=D11), \"Yes\", \"Error\"))","v":""},{"$f":"IF(D17=\"Error\", \"Insufficient Security Value\",\"\")","v":""}]

{"sheet":"LMI","index":22,"n_rows":150,"n_cols":20,"rows_kept":150,"cut":false,"hidden":true,"merged":[[25,0,25,2],[9,0,9,1],[10,0,10,1],[11,0,11,1],[13,0,13,1],[14,0,14,1],[15,0,15,1],[16,0,16,1],[17,0,17,1],[19,0,19,1],[20,0,20,1],[21,0,21,1],[22,0,22,1],[23,0,23,1],[129,9,129,10],[2,16,2,17],[27,16,27,17],[51,16,51,17],[75,16,75,17],[94,16,94,17],[108,16,108,17],[2,11,3,11],[2,12,3,12],[24,9,24,10],[45,9,45,10],[66,9,66,10],[87,9,87,10],[108,9,108,10],[1,9,1,12],[1,16,1,19],[2,9,2,10],[2,18,3,18],[2,19,3,19]]}
[null,"1 = use","Criteria","Test","Add-on"]
["Genworth",1,"Self-employed",{"$f":"IF(SUM('Customer view page'!E38:O38)>0,\"Y\",\"N\")","v":"N"},0,null,null,null,null,"Genworth Term Loan",null,null,null,null,null,null,"QBE Term Loan"]
["QBE",0,"Investment",{"$f":"IF('New loan details & repayments'!C27=\"INV\",\"Y\",\"N\")","v":"N"},0.15,null,null,null,null,"Up to and including $300,000",null,"Standard","FHB",null,null,null,"Up to and including $300,000",null,"Regulated","Non-Regulated"]
["Higher",0,"Refi Purpose",{"$f":"IF('New loan details & repayments'!C28=\"Refi\",\"Y\",\"N\")","v":"N"},0,null,null,"Bal from","Bal to","to","from",null,null,null,"Bal from","Bal to","to","from"]
[null,null,"FHB",{"$f":"IF('New loan details & repayments'!C37=TRUE,\"Y\",\"N\")","v":"N"},null,null,null,0,300000,0,0.60009000000000001,3.7000000000000002E-3,3.5999999999999999E-3,null,0,300000,0,0.60009000000000001,2.8E-3,{"$f":"S5","v":2.8E-3}]
["Loan amount",{"$f":"'New loan details & repayments'!C18","v":0},null,null,null,null,null,0,300000,0.60009999999999997,0.65008999999999995,3.8E-3,3.8E-3,null,0,300000,0.60009999999999997,0.70008999999999999,3.7000000000000002E-3,{"$f":"S6","v":3.7000000000000002E-3}]
["LVR",{"$f":"'New loan details & repayments'!C24","v":0},null,null,null,null,null,0,300000,0.65010000000000001,0.70008999999999999,4.0000000000000001E-3,4.0000000000000001E-3,null,0,300000,0.70009999999999994,0.80008999999999997,4.3E-3,4.3E-3]
[null,null,null,null,null,null,null,0,300000,0.70009999999999994,0.75009000000000003,4.1999999999999997E-3,4.0999999999999995E-3,null,0,300000,0.80010000000000003,0.81008999999999998,4.4999999999999997E-3,4.4999999999999997E-3]
[null,null,"Genworth","QBE","Higher",null,null,0,300000,0.75009999999999999,0.80008999999999997,4.6999999999999993E-3,4.5999999999999999E-3,null,0,300000,0.81010000000000004,0.82008999999999999,4.4999999999999997E-3,4.4999999999999997E-3]
["Term loan rate",null,{"$f":"IF(D5=\"Y\",SUMIFS(M3:M150,H3:H150,\"<\"&B6,I3:I150,\">=\"&B6,J3:J150,\"<=\"&B7,K3:K150,\">=\"&B7),SUMIFS(L3:L150,H3:H150,\"<\"&B6,I3:I150,\">=\"&B6,J3:J150,\"<=\"&B7,K3:K150,\">=\"&B7))","v":0},{"$f":"SUMIFS(S3:S150,O3:O150,\"<\"&B6,P3:P150,\">=\"&B6,Q3:Q150,\"<=\"&B7,R3:R150,\">=\"&B7)","v":0},"-",null,null,0,300000,0.80010000000000003,0.81008999999999998,5.1999999999999998E-3,5.1000000000000004E-3,null,0,300000,{"$f":"Q9+0.01","v":0.82010000000000005},{"$f":"R9+0.01","v":0.83008999999999999},6.7999999999999996E-3,6.7999999999999996E-3]
["Low Doc rate",null,{"$f":"C10","v":0},{"$f":"D10","v":0},"-",null,null,0,300000,0.81010000000000004,0.82008999999999999,5.3E-3,5.1999999999999998E-3,null,0,300000,{"$f":"Q10+0.01","v":0.83010000000000006},0.84009,6.7999999999999996E-3,6.7999999999999996E-3]
["Minimum premium",null,1200,1200,"-",null,null,0,300000,0.82010000000000005,0.83008999999999999,7.4000000000000003E-3,7.3000000000000001E-3,null,0,300000,0.84010000000000007,0.85009000000000001,8.3999999999999995E-3,8.3999999999999995E-3]
[null,null,null,null,null,null,null,0,300000,0.83009999999999995,0.84009,7.4000000000000003E-3,7.3000000000000001E-3,null,0,300000,0.85010000000000008,0.86009000000000002,8.3999999999999995E-3,8.3999999999999995E-3]
["Standard",null,{"$f":"C10*100","v":0},{"$f":"D10*100","v":0},"-",null,null,0,300000,0.84009999999999996,0.85009000000000001,9.300000000000001E-3,9.1999999999999998E-3,null,0,300000,0.86010000000000009,0.87009000000000003,1.01E-2,1.01E-2]
["Self-employed",null,{"$f":"1+(IF(D2=\"Y\",E2,0))","v":1},"-","-",null,null,0,300000,0.85009999999999997,0.86009000000000002,9.5999999999999992E-3,9.4999999999999998E-3,null,0,300000,0.8701000000000001,0.88009000000000004,1.01E-2,1.01E-2]
["Investment",null,{"$f":"1+(IF(D3=\"Y\",E3,0))","v":1},"-","-",null,null,0,300000,0.86009999999999998,0.87009000000000003,1.1299999999999999E-2,1.1200000000000002E-2,null,0,300000,0.8801000000000001,0.89009000000000005,1.3599999999999999E-2,1.3599999999999999E-2]
["Refi purpose",null,{"$f":"1+(IF(D4=\"Y\",E4,0))","v":1},"-","-",null,null,0,300000,0.87009999999999998,0.88009000000000004,1.1299999999999999E-2,1.1200000000000002E-2,null,0,300000,0.89010000000000011,0.90009000000000006,1.3599999999999999E-2,1.3599999999999999E-2]
["SUMPRODUCT",null,{"$f":"ROUND(PRODUCT(C14:C17),2)","v":0},"-","-",null,null,0,300000,0.88009999999999999,0.89009000000000005,1.47E-2,1.4499999999999999E-2,null,0,300000,0.90010000000000012,0.91009000000000007,1.8700000000000001E-2,1.8700000000000001E-2]
[null,null,null,null,null,null,null,0,300000,0.8901,0.90009000000000006,1.66E-2,1.6299999999999999E-2,null,0,300000,0.91010000000000013,0.92009000000000007,1.8700000000000001E-2,1.8700000000000001E-2]
["Premium",null,{"$f":"B6*C18/100","v":0},{"$f":"B6*D14/100","v":0},{"$f":"MAX(C20:D20)","v":0},null,null,0,300000,0.90010000000000001,0.91009000000000007,2.12E-2,2.0899999999999998E-2,null,0,300000,0.92010000000000014,0.93009000000000008,2.1000000000000001E-2,2.1000000000000001E-2]
["Rounded premium",null,{"$f":"IF(AND(C20<$C$12,C20>1),$C$12,C20)","v":0},{"$f":"IF(AND(D20<$C$12,D20>1),$C$12,D20)","v":0},{"$f":"MAX(C21:D21)","v":0},null,null,0,300000,0.91010000000000002,0.92009000000000007,2.12E-2,2.0899999999999998E-2,null,0,300000,0.93010000000000015,0.94009000000000009,2.1000000000000001E-2,2.1000000000000001E-2]
["Total stamp duty",null,{"$f":"SUM(D27:D32)","v":0},{"$f":"SUM(E27:E32)","v":0},0,null,null,0,300000,0.92010000000000003,0.93008999999999997,2.4399999999999998E-2,2.4E-2,null,0,300000,0.94010000000000016,0.9500900000000001,2.3300000000000001E-2,2.3300000000000001E-2]
["Total premium (LMI + SD)",null,{"$f":"SUM(C21:C22)","v":0},{"$f":"SUM(D21:D22)","v":0},0,null,null,0,300000,0.93010000000000004,0.94008999999999998,2.4399999999999998E-2,2.4E-2,null,0,300000,0.95010000000000017,0.96009000000000011,0,0]
["Premium charged to borrower",null,{"$f":"((C23-C22)*(1-1/11))+(0.25*((1/11)*(C23-C22)))+C22","v":0},{"$f":"((D23-D22)*(1-1/11))+(0.25*((1/11)*(D23-D22)))+D22","v":0},0,null,null,0,300000,0.94010000000000005,0.95008999999999999,2.7200000000000002E-2,2.6699999999999998E-2,null,0,300000,0.96010000000000018,0.97009000000000012,0,0]
[null,null,null,null,null,null,null,null,null,"$300,001 to $600,000",null,null," ",null,0,300000,0.97010000000000018,0.98009000000000013,0,0]
["Stamp duty per property (WEIGHTED)",null,null,"Genworth","QBE","Higher",null,300000,600000,0,0.60009000000000001,3.8E-3,3.8E-3,null,0,300000,0.98010000000000019,0.99009000000000014,0,0]
["Sec 1",{"$f":"IF('Customer view page'!G94=\"\",\"\",VLOOKUP('Customer view page'!G94,'Zoning & Postcodes'!$B:$C,2,0))","v":""},{"$f":"'Customer view page'!E94","v":0},{"$f":"IF(B27=\"\",\"\",C$21*($C27/$C$33)*VLOOKUP(B27,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},{"$f":"IF(B27=\"\",\"\",D$21*($C27/$C$33)*VLOOKUP(B27,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},{"$f":"IF(B27=\"\",\"\",MAX(D27:E27))","v":""},null,300000,600000,0.60009999999999997,0.65008999999999995,4.1999999999999997E-3,4.0999999999999995E-3,null,0,300000,{"$f":"Q26+0.01","v":0.9901000000000002},{"$f":"R26+0.01","v":1.0000900000000001},0,0]
["Sec 2",{"$f":"IF('Customer view page'!G95=\"\",\"\",VLOOKUP('Customer view page'!G95,'Zoning & Postcodes'!$B:$C,2,0))","v":""},{"$f":"'Customer view page'!E95","v":0},{"$f":"IF(B28=\"\",\"\",C$21*($C28/$C$33)*VLOOKUP(B28,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},{"$f":"IF(B28=\"\",\"\",D$21*($C28/$C$33)*VLOOKUP(B28,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},"",null,300000,600000,0.65010000000000001,0.70008999999999999,4.4000000000000003E-3,4.3E-3,null,null,null,"$300,001 to $600,000"]
["Sec 3",{"$f":"IF('Customer view page'!G96=\"\",\"\",VLOOKUP('Customer view page'!G96,'Zoning & Postcodes'!$B:$C,2,0))","v":""},{"$f":"'Customer view page'!E96","v":0},{"$f":"IF(B29=\"\",\"\",C$21*($C29/$C$33)*VLOOKUP(B29,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},{"$f":"IF(B29=\"\",\"\",D$21*($C29/$C$33)*VLOOKUP(B29,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},"",null,300000,600000,0.70009999999999994,0.75009000000000003,4.7999999999999996E-3,4.7999999999999996E-3,null,300000,600000,0,0.60009000000000001,2.8E-3,{"$f":"S29","v":2.8E-3}]
["Sec 4",{"$f":"IF('Customer view page'!G97=\"\",\"\",VLOOKUP('Customer view page'!G97,'Zoning & Postcodes'!$B:$C,2,0))","v":""},{"$f":"'Customer view page'!E97","v":0},{"$f":"IF(B30=\"\",\"\",C$21*($C30/$C$33)*VLOOKUP(B30,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},{"$f":"IF(B30=\"\",\"\",D$21*($C30/$C$33)*VLOOKUP(B30,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},"",null,300000,600000,0.75009999999999999,0.80008999999999997,5.3E-3,5.1999999999999998E-3,null,300000,600000,0.60009999999999997,0.70008999999999999,3.7000000000000002E-3,{"$f":"S30","v":3.7000000000000002E-3}]
["Sec 5",{"$f":"IF('Customer view page'!G98=\"\",\"\",VLOOKUP('Customer view page'!G98,'Zoning & Postcodes'!$B:$C,2,0))","v":""},{"$f":"'Customer view page'!E98","v":0},{"$f":"IF(B31=\"\",\"\",C$21*($C31/$C$33)*VLOOKUP(B31,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},{"$f":"IF(B31=\"\",\"\",D$21*($C31/$C$33)*VLOOKUP(B31,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},"",null,300000,600000,0.80010000000000003,0.81008999999999998,6.0000000000000001E-3,5.8999999999999999E-3,null,300000,600000,0.70009999999999994,0.80008999999999997,4.3E-3,4.3E-3]
["Sec 6",{"$f":"IF('Customer view page'!G99=\"\",\"\",VLOOKUP('Customer view page'!G99,'Zoning & Postcodes'!$B:$C,2,0))","v":""},{"$f":"'Customer view page'!E99","v":0},{"$f":"IF(B32=\"\",\"\",C$21*($C32/$C$33)*VLOOKUP(B32,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},{"$f":"IF(B32=\"\",\"\",D$21*($C32/$C$33)*VLOOKUP(B32,'All data points & rules'!$P$2:$Q$11,2,0))","v":""},"",null,300000,600000,0.81010000000000004,0.82008999999999999,6.0000000000000001E-3,5.8999999999999999E-3,null,300000,600000,0.80010000000000003,0.81008999999999998,5.7999999999999996E-3,5.7999999999999996E-3]
[null,null,{"$f":"SUM(C27:C32)","v":0},null,null,null,null,300000,600000,0.82010000000000005,0.83008999999999999,9.1999999999999998E-3,9.0000000000000011E-3,null,300000,600000,0.81010000000000004,0.82008999999999999,5.7999999999999996E-3,5.7999999999999996E-3]
[null,null,null,null,null,null,null,300000,600000,0.83009999999999995,0.84009,9.1999999999999998E-3,9.0000000000000011E-3,null,300000,600000,{"$f":"Q33+0.01","v":0.82010000000000005},{"$f":"R33+0.01","v":0.83008999999999999},8.6999999999999994E-3,8.6999999999999994E-3]
[null,"LMI to use",{"$f":"IF(B7>'All data points & rules'!B9,IF(B2=1,C24,IF(B3=1,D24,IF(B4=1,E24,0))),0)","v":0},null,null,null,null,300000,600000,0.84009999999999996,0.85009000000000001,1.21E-2,1.1899999999999999E-2,null,300000,600000,{"$f":"Q34+0.01","v":0.83010000000000006},0.84009,8.6999999999999994E-3,8.6999999999999994E-3]
[null,null,null,null,null,null,null,300000,600000,0.85009999999999997,0.86009000000000002,1.21E-2,1.1899999999999999E-2,null,300000,600000,0.84010000000000007,0.85009000000000001,1.0999999999999999E-2,1.0999999999999999E-2]
[null,null,null,null,null,null,null,300000,600000,0.86009999999999998,0.87009000000000003,1.37E-2,1.3500000000000002E-2,null,300000,600000,0.85010000000000008,0.86009000000000002,1.0999999999999999E-2,1.0999999999999999E-2]
[null,null,null,null,null,null,null,300000,600000,0.87009999999999998,0.88009000000000004,1.37E-2,1.3500000000000002E-2,null,300000,600000,0.86010000000000009,0.87009000000000003,1.3100000000000001E-2,1.3100000000000001E-2]
[null,null,null,null,null,null,null,300000,600000,0.88009999999999999,0.89009000000000005,1.9299999999999998E-2,1.9E-2,null,300000,600000,0.8701000000000001,0.88009000000000004,1.3100000000000001E-2,1.3100000000000001E-2]
[null,null,null,null,null,null,null,300000,600000,0.8901,0.90009000000000006,2.1000000000000001E-2,2.07E-2,null,300000,600000,0.8801000000000001,0.89009000000000005,1.78E-2,1.78E-2]
[null,null,null,null,null,null,null,300000,600000,0.90010000000000001,0.91009000000000007,2.7400000000000001E-2,2.69E-2,null,300000,600000,0.89010000000000011,0.90009000000000006,1.78E-2,1.78E-2]
[null,null,null,null,null,null,null,300000,600000,0.91010000000000002,0.92009000000000007,2.7400000000000001E-2,2.69E-2,null,300000,600000,0.90010000000000012,0.91009000000000007,2.4400000000000002E-2,2.4400000000000002E-2]
[null,null,null,null,null,null,null,300000,600000,0.92010000000000003,0.93008999999999997,3.0899999999999997E-2,3.04E-2,null,300000,600000,0.91010000000000013,0.92009000000000007,2.4400000000000002E-2,2.4400000000000002E-2]
[null,null,null,null,null,null,null,300000,600000,0.93010000000000004,0.94008999999999998,3.0899999999999997E-2,3.04E-2,null,300000,600000,0.92010000000000014,0.93009000000000008,2.7400000000000001E-2,2.7400000000000001E-2]
[null,null,null,null,null,null,null,300000,600000,0.94010000000000005,0.95008999999999999,3.4099999999999998E-2,3.3599999999999998E-2,null,300000,600000,0.93010000000000015,0.94009000000000009,2.7400000000000001E-2,2.7400000000000001E-2]
[null,null,null,null,null,null,null,null,null,"$600,001 to $750,000",null,null," ",null,300000,600000,0.94010000000000016,0.9500900000000001,3.04E-2,3.04E-2]
[null,null,null,null,null,null,null,600000,750000,0,0.60009000000000001,4.0999999999999995E-3,4.0999999999999995E-3,null,300000,600000,0.95010000000000017,0.96009000000000011,0,0]
[null,null,null,null,null,null,null,600000,750000,0.60009999999999997,0.65008999999999995,5.3E-3,5.1999999999999998E-3,null,300000,600000,0.96010000000000018,0.97009000000000012,0,0]
[null,null,null,null,null,null,null,600000,750000,0.65010000000000001,0.70008999999999999,6.0000000000000001E-3,5.8999999999999999E-3,null,300000,600000,0.97010000000000018,0.98009000000000013,0,0]
[null,null,null,null,null,null,null,600000,750000,0.70009999999999994,0.75009000000000003,8.1000000000000013E-3,8.0000000000000002E-3,null,300000,600000,0.98010000000000019,0.99009000000000014,0,0]
[null,null,null,null,null,null,null,600000,750000,0.75009999999999999,0.80008999999999997,8.8000000000000005E-3,8.6E-3,null,300000,600000,{"$f":"Q50+0.01","v":0.9901000000000002},1,0,0]
[null,null,null,null,null,null,null,600000,750000,0.80010000000000003,0.81008999999999998,9.5999999999999992E-3,9.4999999999999998E-3,null,null,null,"$600,000 to 1,000,000"]
[null,null,null,null,null,null,null,600000,750000,0.81010000000000004,0.82008999999999999,9.5999999999999992E-3,9.4999999999999998E-3,null,600000,1000000,0,0.60009000000000001,5.1000000000000004E-3,{"$f":"S53","v":5.1000000000000004E-3}]
[null,null,null,null,null,null,null,600000,750000,0.82010000000000005,0.83008999999999999,1.1299999999999999E-2,1.11E-2,null,600000,1000000,0.60009999999999997,0.70008999999999999,5.5999999999999999E-3,{"$f":"S54","v":5.5999999999999999E-3}]
[null,null,null,null,null,null,null,600000,750000,0.83009999999999995,0.84009,1.2E-2,1.18E-2,null,600000,1000000,0.70009999999999994,0.80008999999999997,6.4000000000000003E-3,6.4000000000000003E-3]
[null,null,null,null,null,null,null,600000,750000,0.84009999999999996,0.85009000000000001,1.38E-2,1.3600000000000001E-2,null,600000,1000000,0.80010000000000003,0.81008999999999998,8.0000000000000002E-3,8.0000000000000002E-3]
[null,null,null,null,null,null,null,600000,750000,0.85009999999999997,0.86009000000000002,1.5100000000000001E-2,1.49E-2,null,600000,1000000,{"$f":"Q56+0.01","v":0.81010000000000004},{"$f":"R56+0.01","v":0.82008999999999999},8.0000000000000002E-3,8.0000000000000002E-3]
[null,null,null,null,null,null,null,600000,750000,0.86009999999999998,0.87009000000000003,1.67E-2,1.6500000000000001E-2,null,600000,1000000,{"$f":"Q57+0.01","v":0.82010000000000005},{"$f":"R57+0.01","v":0.83008999999999999},1.12E-2,1.12E-2]
[null,null,null,null,null,null,null,600000,750000,0.87009999999999998,0.88009000000000004,1.77E-2,1.7399999999999999E-2,null,600000,1000000,{"$f":"Q58+0.01","v":0.83010000000000006},0.84009,1.12E-2,1.12E-2]
[null,null,null,null,null,null,null,600000,750000,0.88009999999999999,0.89009000000000005,2.2599999999999999E-2,2.2200000000000001E-2,null,600000,1000000,0.84010000000000007,0.85009000000000001,1.3899999999999999E-2,1.3899999999999999E-2]
[null,null,null,null,null,null,null,600000,750000,0.8901,0.90009000000000006,2.6800000000000001E-2,2.64E-2,null,600000,1000000,0.85010000000000008,0.86009000000000002,1.3899999999999999E-2,1.3899999999999999E-2]
[null,null,null,null,null,null,null,600000,750000,0.90010000000000001,0.91009000000000007,3.7000000000000005E-2,3.6400000000000002E-2,null,600000,1000000,0.86010000000000009,0.87009000000000003,1.67E-2,1.67E-2]
[null,null,null,null,null,null,null,600000,750000,0.91010000000000002,0.92009000000000007,3.8399999999999997E-2,3.78E-2,null,600000,1000000,0.8701000000000001,0.88009000000000004,1.67E-2,1.67E-2]
[null,null,null,null,null,null,null,600000,750000,0.92010000000000003,0.93008999999999997,3.9900000000000005E-2,3.9199999999999999E-2,null,600000,1000000,0.8801000000000001,0.89009000000000005,2.24E-2,2.24E-2]
[null,null,null,null,null,null,null,600000,750000,0.93010000000000004,0.94008999999999998,4.36E-2,4.2900000000000001E-2,null,600000,1000000,0.89010000000000011,0.90009000000000006,2.24E-2,2.24E-2]
[null,null,null,null,null,null,null,600000,750000,0.94010000000000005,0.95008999999999999,4.58E-2,4.5100000000000001E-2,null,600000,1000000,0.90010000000000012,0.91009000000000007,3.6799999999999999E-2,3.6799999999999999E-2]
[null,null,null,null,null,null,null,null,null,"$750,001 to $1.000,000",null,null," ",null,600000,1000000,0.91010000000000013,0.92009000000000007,3.6799999999999999E-2,3.6799999999999999E-2]
[null,null,null,null,null,null,null,750000,1000000,0,0.60009000000000001,4.0999999999999995E-3,4.0999999999999995E-3,null,600000,1000000,0.92010000000000014,0.93009000000000008,3.9600000000000003E-2,3.9600000000000003E-2]
[null,null,null,null,null,null,null,750000,1000000,0.60009999999999997,0.65008999999999995,5.3E-3,5.1999999999999998E-3,null,600000,1000000,0.93010000000000015,0.94009000000000009,3.9600000000000003E-2,3.9600000000000003E-2]
[null,null,null,null,null,null,null,750000,1000000,0.65010000000000001,0.70008999999999999,6.0000000000000001E-3,5.8999999999999999E-3,null,600000,1000000,0.94010000000000016,0.9500900000000001,4.1799999999999997E-2,4.1799999999999997E-2]
[null,null,null,null,null,null,null,750000,1000000,0.70009999999999994,0.75009000000000003,8.1000000000000013E-3,8.0000000000000002E-3,null,600000,1000000,0.95010000000000017,0.96009000000000011,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.75009999999999999,0.80008999999999997,8.8000000000000005E-3,8.6E-3,null,600000,1000000,0.96010000000000018,0.97009000000000012,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.80010000000000003,0.81008999999999998,9.5999999999999992E-3,9.4999999999999998E-3,null,600000,1000000,0.97010000000000018,0.98009000000000013,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.81010000000000004,0.82008999999999999,9.5999999999999992E-3,9.4999999999999998E-3,null,600000,1000000,0.98010000000000019,0.99009000000000014,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.82010000000000005,0.83008999999999999,1.1299999999999999E-2,1.11E-2,null,600000,1000000,{"$f":"Q74+0.01","v":0.9901000000000002},1,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.83009999999999995,0.84009,1.2E-2,1.18E-2,null,null,null,"$750,000 to 1,000,000"]
[null,null,null,null,null,null,null,750000,1000000,0.84009999999999996,0.85009000000000001,1.38E-2,1.3600000000000001E-2,null,null,"Not used",0,0.60009000000000001,0,{"$f":"S77","v":0}]
[null,null,null,null,null,null,null,750000,1000000,0.85009999999999997,0.86009000000000002,1.5100000000000001E-2,1.49E-2,null,null,"Not used",0.60009999999999997,0.70008999999999999,0,{"$f":"S78","v":0}]
[null,null,null,null,null,null,null,750000,1000000,0.86009999999999998,0.87009000000000003,1.67E-2,1.6500000000000001E-2,null,null,"Not used",0.70009999999999994,0.80008999999999997,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.87009999999999998,0.88009000000000004,1.77E-2,1.7399999999999999E-2,null,null,"Not used",0.80010000000000003,0.81008999999999998,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.88009999999999999,0.89009000000000005,2.2599999999999999E-2,2.2200000000000001E-2,null,null,"Not used",{"$f":"Q80+0.01","v":0.81010000000000004},{"$f":"R80+0.01","v":0.82008999999999999},0,0]
[null,null,null,null,null,null,null,750000,1000000,0.8901,0.90009000000000006,2.6800000000000001E-2,2.64E-2,null,null,"Not used",{"$f":"Q81+0.01","v":0.82010000000000005},0.83008999999999999,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.90010000000000001,0.91009000000000007,3.7000000000000005E-2,3.6400000000000002E-2,null,null,"Not used",0.83010000000000006,0.84009,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.91010000000000002,0.92009000000000007,3.8399999999999997E-2,3.78E-2,null,null,"Not used",0.84010000000000007,0.85009000000000001,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.92010000000000003,0.93008999999999997,3.9900000000000005E-2,3.9199999999999999E-2,null,null,"Not used",0.85010000000000008,0.86009000000000002,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.93010000000000004,0.94008999999999998,4.36E-2,4.2900000000000001E-2,null,null,"Not used",0.86010000000000009,0.87009000000000003,0,0]
[null,null,null,null,null,null,null,750000,1000000,0.94010000000000005,0.95008999999999999,4.58E-2,4.5100000000000001E-2,null,null,"Not used",0.8701000000000001,0.88009000000000004,0,0]
[null,null,null,null,null,null,null,null,null,"$1.000,001 to $1.500,000",null,null," ",null,null,"Not used",0.8801000000000001,0.89009000000000005,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0,0.60009000000000001,4.5999999999999999E-3,4.5000000000000005E-3,null,null,"Not used",0.89010000000000011,0.90009000000000006,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.60009999999999997,0.65008999999999995,5.8999999999999999E-3,5.7999999999999996E-3,null,null,"Not used",0.90010000000000012,0.91009000000000007,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.65010000000000001,0.70008999999999999,6.7000000000000002E-3,6.6E-3,null,null,"Not used",0.91010000000000013,0.92009000000000007,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.70009999999999994,0.75009000000000003,9.0000000000000011E-3,8.8000000000000005E-3,null,null,"Not used",0.92010000000000014,0.93009000000000008,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.75009999999999999,0.80008999999999997,9.7000000000000003E-3,9.4999999999999998E-3,null,null,"Not used",0.93010000000000015,0.94009000000000009,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.80010000000000003,0.81008999999999998,1.06E-2,1.04E-2,null,null,"Not used",0.94010000000000016,0.9500900000000001,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.81010000000000004,0.82008999999999999,1.06E-2,1.04E-2,null,null,"Not used","$1,000,001 to $1,500,000"]
[null,null,null,null,null,null,null,1000000,1500000,0.82010000000000005,0.83008999999999999,1.24E-2,1.2199999999999999E-2,null,null,"Not used",0,0.70008999999999999,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.83009999999999995,0.84009,1.32E-2,1.3000000000000001E-2,null,null,"Not used",0.70009999999999994,0.75009000000000003,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.84009999999999996,0.85009000000000001,1.52E-2,1.49E-2,null,null,"Not used",{"$f":"Q97+0.05","v":0.75009999999999999},{"$f":"R97+0.05","v":0.80009000000000008},0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.85009999999999997,0.86009000000000002,1.66E-2,1.6299999999999999E-2,null,null,"Not used",0.80010000000000003,0.81008999999999998,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.86009999999999998,0.87009000000000003,1.84E-2,1.8100000000000002E-2,null,null,"Not used",{"$f":"Q99+0.01","v":0.81010000000000004},{"$f":"R99+0.01","v":0.82008999999999999},0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.87009999999999998,0.88009000000000004,1.95E-2,1.9199999999999998E-2,null,null,"Not used",{"$f":"Q100+0.01","v":0.82010000000000005},0.83008999999999999,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.88009999999999999,0.89009000000000005,2.4799999999999999E-2,2.4399999999999998E-2,null,null,"Not used",0.83010000000000006,0.84009,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.8901,0.90009000000000006,2.9500000000000002E-2,2.8999999999999998E-2,null,null,"Not used",0.84010000000000007,0.85009000000000001,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.90010000000000001,0.91009000000000007,4.0599999999999997E-2,0.04,null,null,"Not used",0.85010000000000008,0.86009000000000002,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.91010000000000002,0.92009000000000007,4.2300000000000004E-2,4.1599999999999998E-2,null,null,"Not used",0.86010000000000009,0.87009000000000003,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.92010000000000003,0.93008999999999997,4.3899999999999995E-2,4.3200000000000002E-2,null,null,"Not used",0.8701000000000001,0.88009000000000004,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.93010000000000004,0.94008999999999998,4.8000000000000001E-2,4.7300000000000002E-2,null,null,"Not used",0.8801000000000001,0.89009000000000005,0,0]
[null,null,null,null,null,null,null,1000000,1500000,0.94010000000000005,0.95008999999999999,5.04E-2,4.9599999999999998E-2,null,null,"Not used",0.89010000000000011,0.90009000000000006,0,0]
[null,null,null,null,null,null,null,null,null,"$1.500,001 to $2.000,000",null,null," ",null,null,"Not used","$1,500,001 to $2,000,000"]
[null,null,null,null,null,null,null,1500000,2000000,0,0.60009000000000001,4.5999999999999999E-3,4.5000000000000005E-3,null,null,"Not used",0,0.70008999999999999,0,0]
[null,null,null,null,null,null,null,1500000,2000000,0.60009999999999997,0.65008999999999995,5.8999999999999999E-3,5.7999999999999996E-3,null,null,"Not used",0.70009999999999994,0.75009000000000003,0,0]
[null,null,null,null,null,null,null,1500000,2000000,0.65010000000000001,0.70008999999999999,6.7000000000000002E-3,6.6E-3,null,null,"Not used",0.75009999999999999,0.80008999999999997,0,0]
[null,null,null,null,null,null,null,1500000,2000000,0.70009999999999994,0.75009000000000003,9.0000000000000011E-3,8.8000000000000005E-3,null,null,"Not used",0,1,0,0]
[null,null,null,null,null,null,null,1500000,2000000,0.75009999999999999,0.80008999999999997,9.7000000000000003E-3,9.4999999999999998E-3]
[null,null,null,null,null,null,null,1500000,2000000,0.80010000000000003,0.81008999999999998,1.06E-2,1.04E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.81010000000000004,0.82008999999999999,1.06E-2,1.04E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.82010000000000005,0.83008999999999999,1.24E-2,1.2199999999999999E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.83009999999999995,0.84009,1.32E-2,1.3000000000000001E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.84009999999999996,0.85009000000000001,1.52E-2,1.49E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.85009999999999997,0.86009000000000002,1.66E-2,1.6299999999999999E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.86009999999999998,0.87009000000000003,1.84E-2,1.8100000000000002E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.87009999999999998,0.88009000000000004,1.95E-2,1.9199999999999998E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.88009999999999999,0.89009000000000005,2.4799999999999999E-2,2.4399999999999998E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.8901,0.90009000000000006,2.9500000000000002E-2,2.8999999999999998E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.90010000000000001,0.91009000000000007,4.0599999999999997E-2,0.04]
[null,null,null,null,null,null,null,1500000,2000000,0.91010000000000002,0.92009000000000007,4.2300000000000004E-2,4.1599999999999998E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.92010000000000003,0.93008999999999997,4.3899999999999995E-2,4.3200000000000002E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.93010000000000004,0.94008999999999998,4.8000000000000001E-2,4.7300000000000002E-2]
[null,null,null,null,null,null,null,1500000,2000000,0.94010000000000005,0.95008999999999999,5.04E-2,4.9599999999999998E-2]
[null,null,null,null,null,null,null,null,null,"$2.000,001 to $2.500,000",null,null," "]
[null,null,null,null,null,null,null,2000000,2500000,0,0.60009000000000001,4.5999999999999999E-3,4.5000000000000005E-3]
[null,null,null,null,null,null,null,2000000,2500000,0.60009999999999997,0.65008999999999995,5.8999999999999999E-3,5.7999999999999996E-3]
[null,null,null,null,null,null,null,2000000,2500000,0.65010000000000001,0.70008999999999999,6.7000000000000002E-3,6.6E-3]
[null,null,null,null,null,null,null,2000000,2500000,0.70009999999999994,0.75009000000000003,9.0000000000000011E-3,8.8000000000000005E-3]
[null,null,null,null,null,null,null,2000000,2500000,0.75009999999999999,0.80008999999999997,9.7000000000000003E-3,9.4999999999999998E-3]
[null,null,null,null,null,null,null,2000000,2500000,0.80010000000000003,0.81008999999999998,1.06E-2,1.04E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.81010000000000004,0.82008999999999999,1.06E-2,1.04E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.82010000000000005,0.83008999999999999,1.24E-2,1.2199999999999999E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.83009999999999995,0.84009,1.32E-2,1.3000000000000001E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.84009999999999996,0.85009000000000001,1.52E-2,1.49E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.85009999999999997,0.86009000000000002,1.66E-2,1.6299999999999999E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.86009999999999998,0.87009000000000003,1.84E-2,1.8100000000000002E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.87009999999999998,0.88009000000000004,1.95E-2,1.9199999999999998E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.88009999999999999,0.89009000000000005,2.4799999999999999E-2,2.4399999999999998E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.8901,0.90009000000000006,2.9500000000000002E-2,2.8999999999999998E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.90010000000000001,0.91009000000000007,4.0599999999999997E-2,0.04]
[null,null,null,null,null,null,null,2000000,2500000,0.91010000000000002,0.92009000000000007,4.2300000000000004E-2,4.1599999999999998E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.92010000000000003,0.93008999999999997,4.3899999999999995E-2,4.3200000000000002E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.93010000000000004,0.94008999999999998,4.8000000000000001E-2,4.7300000000000002E-2]
[null,null,null,null,null,null,null,2000000,2500000,0.94010000000000005,0.95008999999999899,5.04E-2,4.9599999999999998E-2]

{"sheet":"Zoning & Postcodes","index":23,"n_rows":15702,"n_cols":12,"rows_kept":4500,"cut":true,"hidden":true,"merged":[[0,9,0,11]],"bounds":{"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0}}
["Suburb","PostCode","State","New zoning with old flag","Metro_Flag","New Zone","Check","Genworth restricted Postcode",null,"High density postcodes"]
["DARWIN",800,"NT",{"$f":"MAX(F2-1,1)","v":2},1,3,800,2835,null,800,"NT","Darwin"]
["ALAWA",810,"NT",{"$f":"MAX(F3-1,1)","v":3},1,4,810,2880,null,2000,"NSW","Sydney"]
["BRINKIN",810,"NT",3,1,4,810,4413,null,2008,"NSW","Chippendale"]
["CASUARINA",810,"NT",3,1,4,810,4415,null,2017,"NSW","Waterloo"]
["COCONUT GROVE",810,"NT",3,1,4,810,4455,null,2018,"NSW","Rosebery"]
["JINGILI",810,"NT",3,1,4,810,4615,null,2020,"NSW","Mascot"]
["LEE POINT",810,"NT",3,1,4,810,4680,null,2077,"NSW","Asquith"]
["LYONS",810,"NT",3,1,4,810,4717,null,2113,"NSW","Macquarie Park"]
["MILLNER",810,"NT",3,1,4,810,4718,null,2114,"NSW","Meadowbank"]
["MOIL",810,"NT",3,1,4,810,4720,null,2121,"NSW","Epping"]
["MUIRHEAD",810,"NT",3,1,4,810,4721,null,2127,"NSW","Newington"]
["NAKARA",810,"NT",3,1,4,810,4723,null,2138,"NSW","Rhodes"]
["NIGHTCLIFF",810,"NT",3,1,4,810,4742,null,2140,"NSW","Homebush"]
["RAPID CREEK",810,"NT",3,1,4,810,4743,null,2141,"NSW","Lidcombe"]
["TIWI",810,"NT",3,1,4,810,4744,null,2142,"NSW","Granville"]
["WAGAMAN",810,"NT",3,1,4,810,4745,null,2144,"NSW","Auburn"]
["WANGURI",810,"NT",3,1,4,810,4746,null,2145,"NSW","Constitution Hill"]
["ANULA",812,"NT",3,1,4,812,4804,null,2150,"NSW","Parramatta"]
["BUFFALO CREEK",812,"NT",3,1,4,812,4805,null,2155,"NSW","Beaumont Hills"]
["HOLMES",812,"NT",3,1,4,812,4825,null,2160,"NSW","Merrylands"]
["KARAMA",812,"NT",3,1,4,812,4874,null,2170,"NSW","Casula"]
["LEANYER",812,"NT",3,1,4,812,5722,null,2205,"NSW","Wolli Creek"]
["MALAK",812,"NT",3,1,4,812,5725,null,2220,"NSW","Hurstville"]
["MARRARA",812,"NT",3,1,4,812,7467,null,2750,"NSW","Penrith"]
["NORTHLAKES",812,"NT",3,1,4,812,7469,null,3000,"VIC","Melbourne"]
["SANDERSON",812,"NT",3,1,4,812,6225,null,3003,"VIC","West Melbourne"]
["WOODLEIGH GARDENS",812,"NT",3,1,4,812,6429,null,3004,"VIC","Melbourne"]
["WULAGI",812,"NT",3,1,4,812,6430,null,3006,"VIC","South Wharf"]
["BAGOT",820,"NT",2,1,3,820,6432,null,3008,"VIC","Docklands"]
["BAYVIEW",820,"NT",2,1,3,820,6440,null,3011,"VIC","Footscray"]
["CHARLES DARWIN",820,"NT",2,1,3,820,6442,null,3066,"VIC","Collingwood"]
["CHARLES DARWIN",820,"NT",2,0,3,820,6713,null,3122,"VIC","Hawthorn"]
["COONAWARRA",820,"NT",2,1,3,820,6714,null,3123,"VIC","Hawthorn East"]
["CULLEN BAY",820,"NT",2,1,3,820,6718,null,3128,"VIC","Box Hill"]
["DARWIN INTERNATIONAL AIRPORT",820,"NT",2,0,3,820,6720,null,3141,"VIC","South Yarra"]
["EAST POINT",820,"NT",2,1,3,820,6721,null,3145,"VIC","Malvern East"]
["EATON",820,"NT",2,1,3,820,6722,null,3169,"VIC","Clayton South"]
["FANNIE BAY",820,"NT",2,1,3,820,6728,null,3205,"VIC","South Melbourne"]
["LARRAKEYAH",820,"NT",2,1,3,820,6751,null,4000,"QLD","Brisbane City"]
["LUDMILLA",820,"NT",2,1,3,820,6753,null,4006,"QLD","Bowen Hills"]
["PARAP",820,"NT",2,1,3,820,4715,null,4101,"QLD","Highgate Hill"]
["RAAF BASE DARWIN",820,"NT",2,0,3,820,4716,null,4209,"QLD","Coomera"]
["STUART PARK",820,"NT",2,1,3,820,4719,null,4215,"QLD","Labrador"]
["THE GARDENS",820,"NT",2,1,3,820,4722,null,4217,"QLD","Benowa"]
["THE NARROWS",820,"NT",2,1,3,820,4737,null,4218,"QLD","Broadbeach"]
["WINNELLIE",820,"NT",2,1,3,820,4741,null,4870,"QLD","Cairns"]
["WOOLNER",820,"NT",2,1,3,820,null,null,4879,"QLD","Clifton Beach"]
["ACACIA HILLS",822,"NT",2,0,3,822,null,null,5000,"SA","Adelaide"]
["ANGURUGU",822,"NT",2,0,3,822,null,null,6000,"WA","Perth"]
["ANINDILYAKWA",822,"NT",2,0,3,822,null,null,6003,"WA","Highgate"]
["ANNIE RIVER",822,"NT",2,0,3,822,null,null,6004,"WA","East Perth"]
["BATHURST ISLAND",822,"NT",2,0,3,822,null,null,6005,"WA","Kings Park"]
["BEES CREEK",822,"NT",2,0,3,822,null,null,6210,"WA","Mandurah"]
["BELYUEN",822,"NT",2,0,3,822,null,null,7000,"TAS","Hobart"]
["BLACK JUNGLE",822,"NT",2,0,3,822,null,null,2765,"NSW","Marsden Park"]
["BLACKMORE",822,"NT",2,0,3,822]
["BORDER STORE",822,"NT",2,0,3,822]
["BURRUNDIE",822,"NT",2,0,3,822]
["BYNOE",822,"NT",2,0,3,822]
["BYNOE HARBOUR",822,"NT",2,0,3,822]
["CAMP CREEK",822,"NT",2,0,3,822]
["CHANNEL ISLAND",822,"NT",2,0,3,822]
["CHARLOTTE",822,"NT",2,0,3,822]
["CLARAVALE",822,"NT",2,0,3,822]
["COBOURG",822,"NT",2,0,3,822]
["COLLETT CREEK",822,"NT",{"$f":"MAX(F67-1,1)","v":2},0,3,822]
["COOMALIE CREEK",822,"NT",2,0,3,822]
["COX PENINSULA",822,"NT",2,0,3,822]
["CROKER ISLAND",822,"NT",2,0,3,822]
["DALY",822,"NT",2,0,3,822]
["DALY RIVER",822,"NT",2,0,3,822]
["DARWIN RIVER DAM",822,"NT",2,0,3,822]
["DELISSAVILLE",822,"NT",2,0,3,822]
["DOUGLAS-DALY",822,"NT",2,0,3,822]
["EAST ARM",822,"NT",2,0,3,822]
["EAST ARNHEM",822,"NT",2,0,3,822]
["ELRUNDIE",822,"NT",2,0,3,822]
["EVA VALLEY",822,"NT",2,0,3,822]
["FINNISS VALLEY",822,"NT",2,0,3,822]
["FLEMING",822,"NT",2,0,3,822]
["FLY CREEK",822,"NT",2,0,3,822]
["FREDS PASS",822,"NT",2,0,3,822]
["GALIWINKU",822,"NT",2,0,3,822]
["GLYDE POINT",822,"NT",2,0,3,822]
["GOULBURN",822,"NT",2,0,3,822]
["GUNBALANYA",822,"NT",2,0,3,822]
["GUNN POINT",822,"NT",2,0,3,822]
["HAYES CREEK",822,"NT",2,0,3,822]
["HIDDEN VALLEY",822,"NT",2,0,3,822]
["HOTHAM",822,"NT",2,0,3,822]
["HUGHES",822,"NT",2,0,3,822]
["KAKADU",822,"NT",2,0,3,822]
["KOOLPINYAH",822,"NT",2,0,3,822]
["LAKE BENNETT",822,"NT",2,0,3,822]
["LAMBELLS LAGOON",822,"NT",2,0,3,822]
["LITCHFIELD PARK",822,"NT",2,0,3,822]
["LIVINGSTONE",822,"NT",2,0,3,822]
["LLOYD CREEK",822,"NT",2,0,3,822]
["MANDORAH",822,"NT",2,0,3,822]
["MANINGRIDA",822,"NT",2,0,3,822]
["MARANUNGA",822,"NT",2,0,3,822]
["MARGARET RIVER",822,"NT",2,0,3,822]
["MARRAKAI",822,"NT",2,0,3,822]
["MCMINNS LAGOON",822,"NT",2,0,3,822]
["MICKETT CREEK",822,"NT",2,0,3,822]
["MIDDLE POINT",822,"NT",2,0,3,822]
["MILIKAPITI",822,"NT",2,0,3,822]
["MILINGIMBI",822,"NT",2,0,3,822]
["MILLWOOD",822,"NT",2,0,3,822]
["MILYAKBURRA",822,"NT",2,0,3,822]
["MINJILANG",822,"NT",2,0,3,822]
["MOUNT BUNDEY",822,"NT",2,0,3,822]
["MURRUMUJUK",822,"NT",2,0,3,822]
["NAUIYU",822,"NT",2,0,3,822]
["NEMARLUK",822,"NT",2,0,3,822]
["NGANMARRIYANGA",822,"NT",2,0,3,822]
["NGUIU",822,"NT",2,0,3,822]
["NUMBULWAR",822,"NT",2,0,3,822]
["NUMBURINDI",822,"NT",2,0,3,822]
["OENPELLI",822,"NT",2,0,3,822]
["PALUMPA",822,"NT",2,0,3,822]
["PEPPIMENARTI",822,"NT",2,0,3,822]
["PIRLANGIMPI",822,"NT",2,0,3,822]
["POINT STEPHENS",822,"NT",2,0,3,822]
["POINT STUART",822,"NT",2,0,3,822]
["PULARUMPI",822,"NT",2,0,3,822]
["RAKULA",822,"NT",2,0,3,822]
["RAMINGINING",822,"NT",2,0,3,822]
["ROBIN FALLS",822,"NT",2,0,3,822]
["RUM JUNGLE",822,"NT",{"$f":"MAX(F131-1,1)","v":2},0,3,822]
["SANDPALMS ROADHOUSE",822,"NT",2,0,3,822]
["SOUTHPORT",822,"NT",2,0,3,822]
["STAPLETON",822,"NT",2,0,3,822]
["THAMARRURR",822,"NT",2,0,3,822]
["TIPPERARY",822,"NT",2,0,3,822]
["TIVENDALE",822,"NT",2,0,3,822]
["TIWI ISLANDS",822,"NT",2,0,3,822]
["TORTILLA FLATS",822,"NT",2,0,3,822]
["TUMBLING WATERS",822,"NT",2,0,3,822]
["UMBAKUMBA",822,"NT",2,0,3,822]
["VERNON ISLANDS",822,"NT",2,0,3,822]
["WADEYE",822,"NT",2,0,3,822]
["WAGAIT BEACH",822,"NT",2,0,3,822]
["WAK WAK",822,"NT",2,0,3,822]
["WARRUWI",822,"NT",2,0,3,822]
["WEDDELL",822,"NT",2,0,3,822]
["WEST ARNHEM",822,"NT",2,0,3,822]
["WICKHAM",822,"NT",2,0,3,822]
["WISHART",822,"NT",2,0,3,822]
["WOOLANING",822,"NT",2,0,3,822]
["BERRIMAH",828,"NT",3,1,4,828]
["KNUCKEY LAGOON",828,"NT",3,1,4,828]
["HOLTZE",829,"NT",3,1,4,829]
["PINELANDS",829,"NT",3,1,4,829]
["ARCHER",830,"NT",3,1,4,830]
["DRIVER",830,"NT",3,1,4,830]
["DURACK",830,"NT",3,1,4,830]
["FARRAR",830,"NT",3,1,4,830]
["GRAY",830,"NT",3,1,4,830]
["MARLOW LAGOON",830,"NT",3,1,4,830]
["MOULDEN",830,"NT",3,1,4,830]
["PALMERSTON",830,"NT",3,1,4,830]
["SHOAL BAY",830,"NT",3,1,4,830]
["WOODROFFE",830,"NT",3,1,4,830]
["YARRAWONGA",830,"NT",3,1,4,830]
["BAKEWELL",832,"NT",1,1,2,832]
["BELLAMACK",832,"NT",1,1,2,832]
["GUNN",832,"NT",1,1,2,832]
["JOHNSTON",832,"NT",1,1,2,832]
["MITCHELL",832,"NT",1,1,2,832]
["ROSEBERY",832,"NT",1,1,2,832]
["ROSEBERY HEIGHTS",832,"NT",1,1,2,832]
["ZUCCOLI",832,"NT",1,1,2,832]
["COOLALINGA",839,"NT",3,0,4,839]
["HOWARD SPRINGS",835,"NT",3,0,4,835]
["VIRGINIA",835,"NT",3,0,4,835]
["GIRRAWEEN",836,"NT",3,0,4,836]
["HERBERT",836,"NT",3,0,4,836]
["HUMPTY DOO",836,"NT",3,0,4,836]
["MANTON",837,"NT",3,0,4,837]
["NOONAMAH",837,"NT",3,0,4,837]
["BERRY SPRINGS",838,"NT",3,0,4,838]
["DUNDEE BEACH",840,"NT",2,0,3,840]
["DUNDEE BEACH",840,"NT",2,0,3,840]
["DUNDEE FOREST",840,"NT",2,0,3,840]
["DARWIN RIVER",841,"NT",3,0,4,841]
["BATCHELOR",845,"NT",2,0,3,845]
["ADELAIDE RIVER",846,"NT",2,0,3,846]
["PINE CREEK",847,"NT",2,0,3,847]
["COSSACK",850,"NT",2,0,3,850]
["EMUNGALAN",850,"NT",2,0,3,850]
["KATHERINE",850,"NT",2,0,3,850]
["KATHERINE EAST",850,"NT",2,0,3,850]
["KATHERINE SOUTH",850,"NT",{"$f":"MAX(F195-1,1)","v":2},0,3,850]
["LANSDOWNE",850,"NT",2,0,3,850]
["ARNOLD",852,"NT",2,0,3,852]
["BAINES",852,"NT",2,0,3,852]
["BARUNGA",852,"NT",2,0,3,852]
["BESWICK",852,"NT",2,0,3,852]
["BESWICK CREEK",852,"NT",2,0,3,852]
["BINJARI",852,"NT",2,0,3,852]
["BIRDUM",852,"NT",2,0,3,852]
["BRADSHAW",852,"NT",2,0,3,852]
["BUCHANAN",852,"NT",2,0,3,852]
["BULMAN WEEMOL",852,"NT",2,0,3,852]
["CRESWELL",852,"NT",2,0,3,852]
["DAGURAGU",852,"NT",2,0,3,852]
["DALY WATERS",852,"NT",2,0,3,852]
["DELAMERE",852,"NT",2,0,3,852]
["DUNMARRA",852,"NT",2,0,3,852]
["EDITH",852,"NT",2,0,3,852]
["ELSEY",852,"NT",2,0,3,852]
["ELSEY STATION",852,"NT",2,0,3,852]
["FLORINA",852,"NT",2,0,3,852]
["FLYING FOX",852,"NT",2,0,3,852]
["GREGORY",852,"NT",2,0,3,852]
["GULUNG MARDRULK",852,"NT",2,0,3,852]
["GURINDJI",852,"NT",2,0,3,852]
["JILKMINGGAN",852,"NT",2,0,3,852]
["KALKARINGI",852,"NT",2,0,3,852]
["LAJAMANU",852,"NT",2,0,3,852]
["LARRIMAH",852,"NT",2,0,3,852]
["LIMMEN",852,"NT",2,0,3,852]
["MANBULLOO",852,"NT",2,0,3,852]
["MARANBOY",852,"NT",2,0,3,852]
["MATARANKA",852,"NT",2,0,3,852]
["MCARTHUR",852,"NT",2,0,3,852]
["MINIYERI",852,"NT",2,0,3,852]
["NGUKURR",852,"NT",2,0,3,852]
["NITMILUK",852,"NT",2,0,3,852]
["PELLEW ISLANDS",852,"NT",2,0,3,852]
["PIGEON HOLE",852,"NT",2,0,3,852]
["ROBINSON RIVER",852,"NT",2,0,3,852]
["STURT PLATEAU",852,"NT",2,0,3,852]
["TANAMI EAST",852,"NT",2,0,3,852]
["TIMBER CREEK",852,"NT",2,0,3,852]
["TOP SPRINGS",852,"NT",2,0,3,852]
["URALLA",852,"NT",2,0,3,852]
["VENN",852,"NT",2,0,3,852]
["VICTORIA RIVER",852,"NT",2,0,3,852]
["VICTORIA RIVER DOWNS",852,"NT",2,0,3,852]
["WARUMUNGU",852,"NT",2,0,3,852]
["WAVE HILL",852,"NT",2,0,3,852]
["WILTON",852,"NT",2,0,3,852]
["YARRALIN",852,"NT",2,0,3,852]
["TINDAL",853,"NT",2,0,3,853]
["BORROLOOLA",854,"NT",2,0,3,854]
["KING ASH BAY",854,"NT",2,0,3,854]
["TENNANT CREEK",860,"NT",3,0,4,860]
["BRUNCHILLY",861,"NT",{"$error":"#N/A"},0,{"$error":"#N/A"},861]
["AVON DOWNS",862,"NT",3,0,4,862]
["CALVERT",862,"NT",3,0,4,862]
["CRESSWELL DOWNS",862,"NT",3,0,4,862]
["ELLIOTT",862,"NT",3,0,4,862]
["HELEN SPRINGS",862,"NT",3,0,4,862]
["MUCKATY STATION",862,"NT",3,0,4,862]
["NEWCASTLE WATERS",862,"NT",3,0,4,862]
["NICHOLSON",862,"NT",{"$f":"MAX(F259-1,1)","v":3},0,4,862]
["PAMAYU",862,"NT",3,0,4,862]
["PHILLIP CREEK STATION",862,"NT",3,0,4,862]
["RENNER SPRINGS",862,"NT",3,0,4,862]
["TABLELANDS",862,"NT",3,0,4,862]
["THREE WAYS",862,"NT",3,0,4,862]
["WARREGO",862,"NT",3,0,4,862]
["WOLLOGORANG STATION",862,"NT",3,0,4,862]
["WYCLIFFE WELL",862,"NT",3,0,4,862]
["ALICE SPRINGS",870,"NT",1,0,2,870]
["ARALUEN",870,"NT",1,0,2,870]
["ARUMBERA",870,"NT",1,0,2,870]
["BRAITLING",870,"NT",1,0,2,870]
["CICCONE",870,"NT",1,0,2,870]
["CONNELLAN",870,"NT",1,0,2,870]
["DESERT SPRINGS",870,"NT",1,0,2,870]
["EAST SIDE",870,"NT",1,0,2,870]
["FLYNN",870,"NT",1,0,2,870]
["GILLEN",870,"NT",1,0,2,870]
["ILPARPA",870,"NT",1,0,2,870]
["IRLPME",870,"NT",1,0,2,870]
["LARAPINTA",870,"NT",1,0,2,870]
["MOUNT JOHNS",870,"NT",1,0,2,870]
["ROSS",870,"NT",1,0,2,870]
["SADADEEN",870,"NT",1,0,2,870]
["STUART",870,"NT",1,0,2,870]
["THE GAP",870,"NT",1,0,2,870]
["UNDOOLYA",870,"NT",1,0,2,870]
["WHITE GUMS",870,"NT",1,0,2,870]
["AHERRENGE",872,"NT",2,0,3,872]
["ALI-CURUNG",872,"NT",2,0,3,872]
["AMATA",872,"NT",2,0,3,872]
["AMOONGUNA",872,"NT",2,0,3,872]
["AMPILATWATJA",872,"NT",2,0,3,872]
["ANATYE",872,"NT",2,0,3,872]
["ANMATJERE",872,"NT",2,0,3,872]
["ANTEWENEGERRDE",872,"NT",2,0,3,872]
["AREYONGA",872,"NT",2,0,3,872]
["ATITJERE",872,"NT",2,0,3,872]
["AYERS ROCK",872,"NT",2,0,3,872]
["BARROW CREEK",872,"NT",2,0,3,872]
["BURT PLAIN",872,"NT",2,0,3,872]
["CANTEEN CREEK",872,"NT",2,0,3,872]
["CHILLA WELL",872,"NT",2,0,3,872]
["COSTELLO",872,"NT",2,0,3,872]
["DAVENPORT",872,"NT",2,0,3,872]
["DOCKER RIVER",872,"NT",2,0,3,872]
["ENGAWALA",872,"NT",2,0,3,872]
["ERLDUNDA",872,"NT",2,0,3,872]
["ERNABELLA",872,"NT",2,0,3,872]
["FINKE",872,"NT",2,0,3,872]
["FREGON",872,"NT",2,0,3,872]
["GHAN",872,"NT",2,0,3,872]
["GIBSON DESERT NORTH",872,"NT",2,0,3,872]
["GIBSON DESERT SOUTH",872,"NT",2,0,3,872]
["HAASTS BLUFF",872,"NT",2,0,3,872]
["HALE",872,"NT",2,0,3,872]
["HART",872,"NT",2,0,3,872]
["HART RANGE",872,"NT",2,0,3,872]
["HERMANNSBURG",872,"NT",2,0,3,872]
["HUGH",872,"NT",2,0,3,872]
["IMANPA",872,"NT",2,0,3,872]
["INDULKANA",872,"SA",2,0,3,872]
["INDULKANA",872,"NT",2,0,3,872]
["ININTI STORE",872,"NT",{"$f":"MAX(F323-1,1)","v":2},0,3,872]
["JAY CREEK",872,"NT",2,0,3,872]
["KALTUKATJARA",872,"NT",2,0,3,872]
["KINTORE",872,"NT",2,0,3,872]
["KIWIRRKURRA",872,"NT",2,0,3,872]
["KULGERA",872,"NT",2,0,3,872]
["KUNPARRKA",872,"NT",2,0,3,872]
["LAKE MACKAY",872,"NT",2,0,3,872]
["LARAMBA",872,"NT",2,0,3,872]
["MEREENIE",872,"NT",2,0,3,872]
["MIMILI",872,"NT",2,0,3,872]
["MOUNT LIEBIG",872,"NT",2,0,3,872]
["MOUNT ZEIL",872,"NT",2,0,3,872]
["MULGA BORE",872,"NT",2,0,3,872]
["MURPUTJA HOMELANDS",872,"NT",2,0,3,872]
["MUTITJULU",872,"NT",2,0,3,872]
["NAMATJIRA",872,"NT",2,0,3,872]
["NGAANYATJARRA-GILES",872,"NT",2,0,3,872]
["NYAPARI",872,"NT",2,0,3,872]
["NYIRRIPI",872,"NT",2,0,3,872]
["PAPUNYA",872,"NT",2,0,3,872]
["PATJARR",872,"NT",2,0,3,872]
["PETERMANN",872,"NT",2,0,3,872]
["PITJANTJATJARA HOMELANDS",872,"NT",2,0,3,872]
["SANDOVER",872,"NT",2,0,3,872]
["SANTA TERESA",872,"NT",2,0,3,872]
["SIMPSON",872,"NT",2,0,3,872]
["TANAMI",872,"NT",2,0,3,872]
["TARA",872,"NT",2,0,3,872]
["THANGKENHARENGE",872,"NT",2,0,3,872]
["TI TREE",872,"NT",2,0,3,872]
["TITJIKALA",872,"NT",2,0,3,872]
["TJIRRKARLI",872,"NT",2,0,3,872]
["TJUKURLA",872,"NT",2,0,3,872]
["ULURU",872,"NT",2,0,3,872]
["UMPANGARA",872,"NT",2,0,3,872]
["URAPUNTJA",872,"NT",2,0,3,872]
["WALLACE ROCKHOLE",872,"NT",2,0,3,872]
["WANARN",872,"NT",2,0,3,872]
["WILLOWRA",872,"NT",2,0,3,872]
["WILORA",872,"NT",2,0,3,872]
["WINGELLINA",872,"NT",2,0,3,872]
["WUTUNUGURRA",872,"NT",2,0,3,872]
["YUELAMU",872,"NT",2,0,3,872]
["YUENDUMU",872,"NT",2,0,3,872]
["YULARA",872,"NT",2,0,3,872]
["GAPUWIYAK",880,"NT",3,0,4,880]
["GOVE",880,"NT",3,0,4,880]
["GUNYANGARA",880,"NT",3,0,4,880]
["NHULUNBUY",880,"NT",3,0,4,880]
["YIRRKALA",880,"NT",3,0,4,880]
["ALYANGULA",885,"NT",3,0,4,885]
["JABIRU",886,"NT",2,0,3,886]
["BARANGAROO",2000,"NSW",1,0,1,2000]
["DAWES POINT",2000,"NSW",1,0,1,2000]
["HAYMARKET",2000,"NSW",1,0,1,2000]
["MILLERS POINT",2000,"NSW",1,0,1,2000]
["PARLIAMENT HOUSE",2000,"NSW",1,0,1,2000]
["SYDNEY",2000,"NSW",1,0,1,2000]
["SYDNEY SOUTH",2000,"NSW",1,0,1,2000]
["THE ROCKS",2000,"NSW",1,0,1,2000]
["THE UNIVERSITY OF SYDNEY",2006,"NSW",1,0,1,2006]
["ULTIMO",2007,"NSW",1,0,1,2007]
["CHIPPENDALE",2008,"NSW",1,0,1,2008]
["DARLINGTON",2008,"NSW",{"$f":"MAX(F387-1,1)","v":1},0,1,2008]
["PYRMONT",2009,"NSW",1,0,1,2009]
["DARLINGHURST",2010,"NSW",1,0,1,2010]
["SURRY HILLS",2010,"NSW",1,0,1,2010]
["ELIZABETH BAY",2011,"NSW",1,1,1,2011]
["HMAS KUTTABUL",2011,"NSW",1,1,1,2011]
["KINGS CROSS",2011,"NSW",1,1,1,2011]
["POTTS POINT",2011,"NSW",1,1,1,2011]
["RUSHCUTTERS BAY",2011,"NSW",1,1,1,2011]
["WOOLLOOMOOLOO",2011,"NSW",1,1,1,2011]
["ALEXANDRIA",2015,"NSW",1,1,1,2015]
["BEACONSFIELD",2015,"NSW",1,1,1,2015]
["EVELEIGH",2015,"NSW",1,1,1,2015]
["REDFERN",2016,"NSW",1,1,1,2016]
["WATERLOO",2017,"NSW",1,1,1,2017]
["ZETLAND",2017,"NSW",1,1,1,2017]
["EASTLAKES",2018,"NSW",1,1,2,2018]
["ROSEBERY",2018,"NSW",1,1,2,2018]
["BANKSMEADOW",2019,"NSW",1,1,2,2019]
["BOTANY",2019,"NSW",1,1,2,2019]
["MASCOT",2020,"NSW",1,1,2,2020]
["CENTENNIAL PARK",2021,"NSW",1,1,1,2021]
["MOORE PARK",2021,"NSW",1,1,1,2021]
["PADDINGTON",2021,"NSW",1,1,1,2021]
["BONDI JUNCTION",2022,"NSW",1,1,1,2022]
["BONDI JUNCTION PLAZA",2022,"NSW",1,1,1,2022]
["QUEENS PARK",2022,"NSW",1,1,1,2022]
["BELLEVUE HILL",2023,"NSW",1,1,1,2023]
["BRONTE",2024,"NSW",1,1,1,2024]
["WAVERLEY",2024,"NSW",1,1,1,2024]
["WOOLLAHRA",2025,"NSW",1,1,1,2025]
["BONDI",2026,"NSW",1,1,1,2026]
["BONDI BEACH",2026,"NSW",1,1,1,2026]
["NORTH BONDI",2026,"NSW",1,1,1,2026]
["TAMARAMA",2026,"NSW",1,1,1,2026]
["DARLING POINT",2027,"NSW",1,1,1,2027]
["EDGECLIFF",2027,"NSW",1,1,1,2027]
["HMAS RUSHCUTTERS",2027,"NSW",1,0,1,2027]
["POINT PIPER",2027,"NSW",1,1,1,2027]
["DOUBLE BAY",2028,"NSW",1,1,1,2028]
["ROSE BAY",2029,"NSW",1,1,1,2029]
["DOVER HEIGHTS",2030,"NSW",1,1,1,2030]
["HMAS WATSON",2030,"NSW",1,1,1,2030]
["VAUCLUSE",2030,"NSW",1,1,1,2030]
["WATSONS BAY",2030,"NSW",1,1,1,2030]
["CLOVELLY",2031,"NSW",1,1,1,2031]
["RANDWICK",2031,"NSW",1,1,1,2031]
["DACEYVILLE",2032,"NSW",1,1,1,2032]
["KINGSFORD",2032,"NSW",1,1,1,2032]
["KENSINGTON",2033,"NSW",1,1,1,2033]
["COOGEE",2034,"NSW",1,1,1,2034]
["SOUTH COOGEE",2034,"NSW",1,1,1,2034]
["MAROUBRA",2035,"NSW",1,1,1,2035]
["PAGEWOOD",2035,"NSW",1,1,1,2035]
["CHIFLEY",2036,"NSW",1,1,1,2036]
["EASTGARDENS",2036,"NSW",1,1,1,2036]
["HILLSDALE",2036,"NSW",1,1,1,2036]
["LA PEROUSE",2036,"NSW",1,1,1,2036]
["LITTLE BAY",2036,"NSW",1,1,1,2036]
["MALABAR",2036,"NSW",1,1,1,2036]
["MATRAVILLE",2036,"NSW",1,1,1,2036]
["PHILLIP BAY",2036,"NSW",1,1,1,2036]
["PORT BOTANY",2036,"NSW",1,1,1,2036]
["FOREST LODGE",2037,"NSW",1,1,1,2037]
["GLEBE",2037,"NSW",{"$f":"MAX(F451-1,1)","v":1},1,1,2037]
["ANNANDALE",2038,"NSW",1,1,1,2038]
["ROZELLE",2039,"NSW",1,1,1,2039]
["LEICHHARDT",2040,"NSW",1,1,1,2040]
["LILYFIELD",2040,"NSW",1,1,1,2040]
["BALMAIN",2041,"NSW",1,1,1,2041]
["BALMAIN EAST",2041,"NSW",1,1,1,2041]
["BIRCHGROVE",2041,"NSW",1,1,1,2041]
["ENMORE",2042,"NSW",1,1,1,2042]
["NEWTOWN",2042,"NSW",1,1,1,2042]
["ERSKINEVILLE",2043,"NSW",1,1,1,2043]
["ST PETERS",2044,"NSW",1,1,2,2044]
["SYDENHAM",2044,"NSW",1,1,2,2044]
["TEMPE",2044,"NSW",1,1,2,2044]
["HABERFIELD",2045,"NSW",1,1,1,2045]
["ABBOTSFORD",2046,"NSW",1,1,1,2046]
["CANADA BAY",2046,"NSW",1,1,1,2046]
["CHISWICK",2046,"NSW",1,1,1,2046]
["FIVE DOCK",2046,"NSW",1,1,1,2046]
["RODD POINT",2046,"NSW",1,1,1,2046]
["RUSSELL LEA",2046,"NSW",1,1,1,2046]
["WAREEMBA",2046,"NSW",1,1,1,2046]
["DRUMMOYNE",2047,"NSW",1,1,1,2047]
["STANMORE",2048,"NSW",1,1,2,2048]
["LEWISHAM",2049,"NSW",1,1,2,2049]
["PETERSHAM",2049,"NSW",1,1,2,2049]
["CAMPERDOWN",2050,"NSW",1,1,1,2050]
["UNIVERSITY OF NEW SOUTH WALES",2052,"NSW",{"$error":"#N/A"},1,{"$error":"#N/A"},2052]
["HMAS PLATYPUS",2060,"NSW",1,1,1,2060]
["HMAS WATERHEN",2060,"NSW",1,1,1,2060]
["LAVENDER BAY",2060,"NSW",1,1,1,2060]
["MCMAHONS POINT",2060,"NSW",1,1,1,2060]
["NORTH SYDNEY",2060,"NSW",1,1,1,2060]
["WAVERTON",2060,"NSW",1,1,1,2060]
["KIRRIBILLI",2061,"NSW",1,1,1,2061]
["MILSONS POINT",2061,"NSW",1,1,1,2061]
["CAMMERAY",2062,"NSW",1,1,1,2062]
["NORTHBRIDGE",2063,"NSW",1,1,1,2063]
["ARTARMON",2064,"NSW",1,1,1,2064]
["CROWS NEST",2065,"NSW",1,1,1,2065]
["GREENWICH",2065,"NSW",1,1,1,2065]
["NAREMBURN",2065,"NSW",1,1,1,2065]
["ROYAL NORTH SHORE HOSPITAL",2065,"NSW",1,1,1,2065]
["ST LEONARDS",2065,"NSW",1,1,1,2065]
["WOLLSTONECRAFT",2065,"NSW",1,1,1,2065]
["LANE COVE",2066,"NSW",1,1,1,2066]
["LANE COVE NORTH",2066,"NSW",1,1,1,2066]
["LANE COVE WEST",2066,"NSW",1,1,1,2066]
["LINLEY POINT",2066,"NSW",1,1,1,2066]
["LONGUEVILLE",2066,"NSW",1,1,1,2066]
["NORTHWOOD",2066,"NSW",1,1,1,2066]
["RIVERVIEW",2066,"NSW",1,1,1,2066]
["CHATSWOOD",2067,"NSW",1,1,1,2067]
["CHATSWOOD WEST",2067,"NSW",1,1,1,2067]
["CASTLECRAG",2068,"NSW",1,1,1,2068]
["MIDDLE COVE",2068,"NSW",1,1,1,2068]
["NORTH WILLOUGHBY",2068,"NSW",1,1,1,2068]
["WILLOUGHBY",2068,"NSW",1,1,1,2068]
["WILLOUGHBY EAST",2068,"NSW",1,1,1,2068]
["CASTLE COVE",2069,"NSW",1,1,1,2069]
["ROSEVILLE",2069,"NSW",1,1,1,2069]
["ROSEVILLE CHASE",2069,"NSW",1,1,1,2069]
["EAST LINDFIELD",2070,"NSW",1,1,1,2070]
["LINDFIELD",2070,"NSW",1,1,1,2070]
["KILLARA",2071,"NSW",{"$f":"MAX(F515-1,1)","v":1},1,1,2071]
["GORDON",2072,"NSW",1,1,1,2072]
["PYMBLE",2073,"NSW",1,1,1,2073]
["WEST PYMBLE",2073,"NSW",1,1,1,2073]
["NORTH TURRAMURRA",2074,"NSW",1,1,1,2074]
["SOUTH TURRAMURRA",2074,"NSW",1,1,1,2074]
["TURRAMURRA",2074,"NSW",1,1,1,2074]
["WARRAWEE",2074,"NSW",1,1,1,2074]
["ST IVES",2075,"NSW",1,1,1,2075]
["ST IVES CHASE",2075,"NSW",1,1,1,2075]
["NORMANHURST",2076,"NSW",1,1,1,2076]
["NORTH WAHROONGA",2076,"NSW",1,1,1,2076]
["WAHROONGA",2076,"NSW",1,1,1,2076]
["ASQUITH",2077,"NSW",1,1,1,2077]
["HORNSBY",2077,"NSW",1,0,1,2077]
["HORNSBY HEIGHTS",2077,"NSW",1,1,1,2077]
["WAITARA",2077,"NSW",1,0,1,2077]
["MOUNT COLAH",2079,"NSW",1,1,1,2079]
["MOUNT KURING-GAI",2080,"NSW",1,1,1,2080]
["BEROWRA",2081,"NSW",1,1,1,2081]
["COWAN",2081,"NSW",1,1,1,2081]
["BEROWRA CREEK",2082,"NSW",1,1,1,2082]
["BEROWRA HEIGHTS",2082,"NSW",1,1,1,2082]
["BEROWRA WATERS",2082,"NSW",1,1,1,2082]
["BAR POINT",2083,"NSW",1,1,1,2083]
["BROOKLYN",2083,"NSW",1,1,1,2083]
["CHEERO POINT",2083,"NSW",1,1,1,2083]
["COGRA BAY",2083,"NSW",1,1,1,2083]
["DANGAR ISLAND",2083,"NSW",1,1,1,2083]
["MILSONS PASSAGE",2083,"NSW",1,1,1,2083]
["MOONEY MOONEY",2083,"NSW",1,1,1,2083]
["COTTAGE POINT",2084,"NSW",1,1,1,2084]
["DUFFYS FOREST",2084,"NSW",1,1,1,2084]
["TERREY HILLS",2084,"NSW",1,1,1,2084]
["BELROSE",2085,"NSW",1,1,1,2085]
["DAVIDSON",2085,"NSW",1,1,1,2085]
["FRENCHS FOREST",2086,"NSW",1,1,1,2086]
["FRENCHS FOREST EAST",2086,"NSW",1,1,1,2086]
["FORESTVILLE",2087,"NSW",1,1,1,2087]
["KILLARNEY HEIGHTS",2087,"NSW",1,1,1,2087]
["BALMORAL",2088,"NSW",1,1,1,2088]
["MOSMAN",2088,"NSW",1,1,1,2088]
["SPIT JUNCTION PO BOXES",2088,"NSW",1,1,1,2088]
["NEUTRAL BAY",2089,"NSW",1,1,1,2089]
["CREMORNE",2090,"NSW",1,1,1,2090]
["CREMORNE POINT",2090,"NSW",1,1,1,2090]
["HMAS PENGUIN",2091,"NSW",{"$error":"#N/A"},1,{"$error":"#N/A"},2091]
["SEAFORTH",2092,"NSW",1,1,1,2092]
["BALGOWLAH",2093,"NSW",1,1,1,2093]
["BALGOWLAH HEIGHTS",2093,"NSW",1,1,1,2093]
["CLONTARF",2093,"NSW",1,1,1,2093]
["MANLY VALE",2093,"NSW",1,1,1,2093]
["NORTH BALGOWLAH",2093,"NSW",1,1,1,2093]
["FAIRLIGHT",2094,"NSW",1,1,1,2094]
["MANLY",2095,"NSW",1,1,1,2095]
["MANLY EAST",2095,"NSW",1,1,1,2095]
["CURL CURL",2096,"NSW",1,1,1,2096]
["HARBORD",2096,"NSW",1,1,1,2096]
["QUEENSCLIFF",2096,"NSW",1,1,1,2096]
["FRESHWATER",2096,"NSW",1,1,1,2096]
["COLLAROY",2097,"NSW",1,1,1,2097]
["COLLAROY PLATEAU",2097,"NSW",1,1,1,2097]
["WHEELER HEIGHTS",2097,"NSW",1,1,1,2097]
["CROMER",2099,"NSW",1,1,1,2099]
["DEE WHY",2099,"NSW",{"$f":"MAX(F579-1,1)","v":1},1,1,2099]
["NARRAWEENA",2099,"NSW",1,1,1,2099]
["NORTH CURL CURL",2099,"NSW",1,1,1,2099]
["ALLAMBIE HEIGHTS",2100,"NSW",1,1,1,2100]
["BEACON HILL",2100,"NSW",1,1,1,2100]
["BROOKVALE",2100,"NSW",1,1,1,2100]
["NORTH MANLY",2100,"NSW",1,1,1,2100]
["OXFORD FALLS",2100,"NSW",1,1,1,2100]
["WARRINGAH MALL PO BOXES",2100,"NSW",1,0,1,2100]
["ELANORA HEIGHTS",2101,"NSW",1,1,2,2101]
["INGLESIDE",2101,"NSW",1,1,2,2101]
["NARRABEEN",2101,"NSW",1,1,2,2101]
["NORTH NARRABEEN",2101,"NSW",1,1,2,2101]
["WARRIEWOOD",2102,"NSW",1,1,2,2102]
["MONA VALE",2103,"NSW",1,1,2,2103]
["BAYVIEW",2104,"NSW",1,1,2,2104]
["CHURCH POINT",2105,"NSW",1,1,2,2105]
["ELVINA BAY",2105,"NSW",1,1,2,2105]
["LOVETT BAY",2105,"NSW",1,1,2,2105]
["MORNING BAY",2105,"NSW",1,1,2,2105]
["SCOTLAND ISLAND",2105,"NSW",1,1,2,2105]
["NEWPORT",2106,"NSW",1,1,2,2106]
["NEWPORT BEACH",2106,"NSW",1,1,2,2106]
["AVALON",2107,"NSW",1,1,2,2107]
["AVALON BEACH",2107,"NSW",1,1,2,2107]
["BILGOLA",2107,"NSW",1,1,2,2107]
["CLAREVILLE",2107,"NSW",1,1,2,2107]
["WHALE BEACH",2107,"NSW",1,1,2,2107]
["COASTERS RETREAT",2108,"NSW",1,1,2,2108]
["GREAT MACKEREL BEACH",2108,"NSW",1,1,2,2108]
["PALM BEACH",2108,"NSW",1,1,2,2108]
["MACQUARIE UNIVERSITY",2109,"NSW",1,1,1,2109]
["HUNTERS HILL",2110,"NSW",1,1,1,2110]
["WOOLWICH",2110,"NSW",1,1,1,2110]
["BORONIA PARK",2111,"NSW",1,1,1,2111]
["GLADESVILLE",2111,"NSW",1,1,1,2111]
["HENLEY",2111,"NSW",1,1,1,2111]
["HUNTLEYS COVE",2111,"NSW",1,1,1,2111]
["HUNTLEYS POINT",2111,"NSW",1,1,1,2111]
["TENNYSON POINT",2111,"NSW",1,1,1,2111]
["DENISTONE EAST",2112,"NSW",1,1,1,2112]
["PUTNEY",2112,"NSW",1,1,1,2112]
["RYDE",2112,"NSW",1,1,1,2112]
["BLENHEIM ROAD",2113,"NSW",1,1,1,2113]
["EAST RYDE",2113,"NSW",1,1,1,2113]
["MACQUARIE PARK",2113,"NSW",1,1,1,2113]
["NORTH RYDE",2113,"NSW",1,1,1,2113]
["DENISTONE",2114,"NSW",1,1,1,2114]
["DENISTONE WEST",2114,"NSW",1,1,1,2114]
["MEADOWBANK",2114,"NSW",1,1,1,2114]
["MELROSE PARK",2114,"NSW",1,1,1,2114]
["WEST RYDE",2114,"NSW",1,1,1,2114]
["ERMINGTON",2115,"NSW",1,1,1,2115]
["RYDALMERE",2116,"NSW",1,1,1,2116]
["DUNDAS",2117,"NSW",1,1,1,2117]
["DUNDAS VALLEY",2117,"NSW",1,1,1,2117]
["OATLANDS",2117,"NSW",1,1,1,2117]
["TELOPEA",2117,"NSW",1,1,1,2117]
["CARLINGFORD",2118,"NSW",1,1,1,2118]
["BEECROFT",2119,"NSW",1,1,1,2119]
["CHELTENHAM",2119,"NSW",1,1,1,2119]
["PENNANT HILLS",2120,"NSW",1,1,1,2120]
["THORNLEIGH",2120,"NSW",1,1,1,2120]
["WESTLEIGH",2120,"NSW",1,1,1,2120]
["EPPING",2121,"NSW",{"$f":"MAX(F643-1,1)","v":1},1,1,2121]
["NORTH EPPING",2121,"NSW",1,1,1,2121]
["EASTWOOD",2122,"NSW",1,1,1,2122]
["MARSFIELD",2122,"NSW",1,1,1,2122]
["WEST PENNANT HILLS",2125,"NSW",1,1,1,2125]
["CHERRYBROOK",2126,"NSW",1,1,1,2126]
["HOMEBUSH BAY",2127,"NSW",1,1,2,2127]
["NEWINGTON",2127,"NSW",1,1,2,2127]
["SILVERWATER",2128,"NSW",1,1,2,2128]
["SUMMER HILL",2130,"NSW",1,1,1,2130]
["ASHFIELD",2131,"NSW",1,1,1,2131]
["CROYDON",2132,"NSW",1,1,1,2132]
["CROYDON PARK",2133,"NSW",1,1,1,2133]
["BURWOOD",2134,"NSW",1,1,1,2134]
["STRATHFIELD",2135,"NSW",1,1,1,2135]
["BURWOOD HEIGHTS",2136,"NSW",1,1,1,2136]
["ENFIELD",2136,"NSW",1,1,1,2136]
["STRATHFIELD SOUTH",2136,"NSW",1,1,1,2136]
["BREAKFAST POINT",2137,"NSW",1,1,1,2137]
["CABARITA",2137,"NSW",1,1,1,2137]
["CONCORD",2137,"NSW",1,1,1,2137]
["MORTLAKE",2137,"NSW",1,1,1,2137]
["NORTH STRATHFIELD",2137,"NSW",1,1,1,2137]
["CONCORD WEST",2138,"NSW",1,1,1,2138]
["LIBERTY GROVE",2138,"NSW",1,1,1,2138]
["RHODES",2138,"NSW",1,1,1,2138]
["CONCORD REPATRIATION HOSPITAL",2139,"NSW",1,1,1,2139]
["FLEMINGTON",2140,"NSW",1,1,1,2140]
["HOMEBUSH",2140,"NSW",1,0,1,2140]
["HOMEBUSH WEST",2140,"NSW",1,1,1,2140]
["BERALA",2141,"NSW",1,1,2,2141]
["LIDCOMBE",2141,"NSW",1,1,2,2141]
["ROOKWOOD",2141,"NSW",1,1,2,2141]
["CAMELLIA",2142,"NSW",1,1,2,2142]
["CLYDE",2142,"NSW",1,1,2,2142]
["GRANVILLE",2142,"NSW",1,1,2,2142]
["HOLROYD",2142,"NSW",1,1,2,2142]
["ROSEHILL",2142,"NSW",1,1,2,2142]
["SOUTH GRANVILLE",2142,"NSW",1,1,2,2142]
["BIRRONG",2143,"NSW",1,1,2,2143]
["POTTS HILL",2143,"NSW",1,1,2,2143]
["REGENTS PARK",2143,"NSW",1,1,2,2143]
["AUBURN",2144,"NSW",1,1,2,2144]
["CONSTITUTION HILL",2145,"NSW",1,1,2,2145]
["GIRRAWEEN",2145,"NSW",1,1,2,2145]
["GREYSTANES",2145,"NSW",1,1,2,2145]
["MAYS HILL",2145,"NSW",1,1,2,2145]
["PEMULWUY",2145,"NSW",1,1,2,2145]
["PENDLE HILL",2145,"NSW",1,1,2,2145]
["SOUTH WENTWORTHVILLE",2145,"NSW",1,1,2,2145]
["WENTWORTHVILLE",2145,"NSW",1,1,2,2145]
["WESTMEAD",2145,"NSW",1,1,2,2145]
["OLD TOONGABBIE",2146,"NSW",1,1,1,2146]
["TOONGABBIE",2146,"NSW",1,1,1,2146]
["KINGS LANGLEY",2147,"NSW",1,1,2,2147]
["LALOR PARK",2147,"NSW",1,1,2,2147]
["SEVEN HILLS",2147,"NSW",1,1,2,2147]
["SEVEN HILLS WEST",2147,"NSW",1,1,2,2147]
["ARNDELL PARK",2148,"NSW",1,1,2,2148]
["BLACKTOWN",2148,"NSW",1,1,2,2148]
["BLACKTOWN WESTPOINT",2148,"NSW",1,1,2,2148]
["HUNTINGWOOD",2148,"NSW",1,1,2,2148]
["KINGS PARK",2148,"NSW",1,1,2,2148]
["MARAYONG",2148,"NSW",1,1,2,2148]
["PROSPECT",2148,"NSW",{"$f":"MAX(F707-1,1)","v":1},1,2,2148]
["HARRIS PARK",2150,"NSW",1,1,1,2150]
["PARRAMATTA",2150,"NSW",1,1,1,2150]
["NORTH PARRAMATTA",2151,"NSW",1,1,1,2151]
["NORTH ROCKS",2151,"NSW",1,1,1,2151]
["NORTHMEAD",2152,"NSW",1,1,1,2152]
["BAULKHAM HILLS",2153,"NSW",1,1,1,2153]
["BELLA VISTA",2153,"NSW",1,1,1,2153]
["WINSTON HILLS",2153,"NSW",1,1,1,2153]
["CASTLE HILL",2154,"NSW",1,1,1,2154]
["BEAUMONT HILLS",2155,"NSW",1,1,2,2155]
["KELLYVILLE",2155,"NSW",1,1,2,2155]
["KELLYVILLE RIDGE",2155,"NSW",1,1,2,2155]
["ROUSE HILL",2155,"NSW",1,1,2,2155]
["ANNANGROVE",2156,"NSW",1,1,1,2156]
["GLENHAVEN",2156,"NSW",1,1,1,2156]
["KENTHURST",2156,"NSW",1,1,1,2156]
["CANOELANDS",2157,"NSW",1,1,1,2157]
["FOREST GLEN",2157,"NSW",1,1,1,2157]
["GLENORIE",2157,"NSW",1,1,1,2157]
["HILLSIDE",2157,"NSW",1,1,1,2157]
["DURAL",2158,"NSW",1,1,1,2158]
["MIDDLE DURAL",2158,"NSW",1,1,1,2158]
["ARCADIA",2159,"NSW",1,1,1,2159]
["BERRILEE",2159,"NSW",1,1,1,2159]
["FIDDLETOWN",2159,"NSW",1,1,1,2159]
["GALSTON",2159,"NSW",1,1,1,2159]
["MERRYLANDS",2160,"NSW",1,1,2,2160]
["MERRYLANDS WEST",2160,"NSW",1,1,2,2160]
["GUILDFORD",2161,"NSW",1,1,2,2161]
["GUILDFORD WEST",2161,"NSW",1,1,2,2161]
["OLD GUILDFORD",2161,"NSW",1,1,2,2161]
["YENNORA",2161,"NSW",1,1,2,2161]
["CHESTER HILL",2162,"NSW",1,1,2,2162]
["SEFTON",2162,"NSW",1,1,2,2162]
["CARRAMAR",2163,"NSW",1,1,2,2163]
["LANSDOWNE",2163,"NSW",1,1,2,2163]
["VILLAWOOD",2163,"NSW",1,1,2,2163]
["SMITHFIELD",2164,"NSW",1,1,1,2164]
["WETHERILL PARK",2164,"NSW",1,1,1,2164]
["WOODPARK",2164,"NSW",1,1,1,2164]
["FAIRFIELD",2165,"NSW",1,1,1,2165]
["FAIRFIELD EAST",2165,"NSW",1,1,1,2165]
["FAIRFIELD HEIGHTS",2165,"NSW",1,1,1,2165]
["FAIRFIELD WEST",2165,"NSW",1,1,1,2165]
["CABRAMATTA",2166,"NSW",1,1,1,2166]
["CABRAMATTA WEST",2166,"NSW",1,1,1,2166]
["CANLEY HEIGHTS",2166,"NSW",1,1,1,2166]
["CANLEY VALE",2166,"NSW",1,1,1,2166]
["LANSVALE",2166,"NSW",1,1,1,2166]
["GLENFIELD",2167,"NSW",1,1,2,2167]
["ASHCROFT",2168,"NSW",1,1,1,2168]
["BUSBY",2168,"NSW",1,1,1,2168]
["CARTWRIGHT",2168,"NSW",1,1,1,2168]
["GREEN VALLEY",2168,"NSW",1,1,1,2168]
["HECKENBERG",2168,"NSW",1,1,1,2168]
["HINCHINBROOK",2168,"NSW",1,1,1,2168]
["MILLER",2168,"NSW",1,1,1,2168]
["SADLEIR",2168,"NSW",1,1,1,2168]
["CASULA",2170,"NSW",1,1,2,2170]
["CHIPPING NORTON",2170,"NSW",1,1,2,2170]
["HAMMONDVILLE",2170,"NSW",1,1,2,2170]
["LIVERPOOL",2170,"NSW",1,1,2,2170]
["LIVERPOOL SOUTH",2170,"NSW",1,1,2,2170]
["LURNEA",2170,"NSW",{"$f":"MAX(F771-1,1)","v":1},1,2,2170]
["MOOREBANK",2170,"NSW",1,1,2,2170]
["MOUNT PRITCHARD",2170,"NSW",1,1,2,2170]
["PRESTONS",2170,"NSW",1,1,2,2170]
["WARWICK FARM",2170,"NSW",1,1,2,2170]
["CECIL HILLS",2171,"NSW",1,1,1,2171]
["HORNINGSEA PARK",2171,"NSW",1,1,1,2171]
["HOXTON PARK",2171,"NSW",1,1,1,2171]
["MIDDLETON GRANGE",2171,"NSW",1,1,1,2171]
["WEST HOXTON",2171,"NSW",1,1,1,2171]
["PLEASURE POINT",2172,"NSW",1,1,2,2172]
["SANDY POINT",2172,"NSW",1,1,2,2172]
["VOYAGER POINT",2172,"NSW",1,1,2,2172]
["HOLSWORTHY",2173,"NSW",1,1,2,2173]
["WATTLE GROVE",2173,"NSW",1,1,2,2173]
["EDMONDSON PARK",2174,"NSW",1,1,2,2174]
["INGLEBURN MILPO",2174,"NSW",1,1,2,2174]
["HORSLEY PARK",2175,"NSW",1,1,1,2175]
["ABBOTSBURY",2176,"NSW",1,1,1,2176]
["BOSSLEY PARK",2176,"NSW",1,1,1,2176]
["EDENSOR PARK",2176,"NSW",1,1,1,2176]
["GREENFIELD PARK",2176,"NSW",1,1,1,2176]
["PRAIRIEWOOD",2176,"NSW",1,1,1,2176]
["ST JOHNS PARK",2176,"NSW",1,1,1,2176]
["WAKELEY",2176,"NSW",1,1,1,2176]
["BONNYRIGG",2177,"NSW",1,1,1,2177]
["BONNYRIGG HEIGHTS",2177,"NSW",1,1,1,2177]
["CECIL PARK",2178,"NSW",1,1,1,2178]
["KEMPS CREEK",2178,"NSW",1,1,1,2178]
["MOUNT VERNON",2178,"NSW",1,1,1,2178]
["AUSTRAL",2179,"NSW",1,1,1,2179]
["LEPPINGTON",2179,"NSW",1,1,1,2179]
["CHULLORA",2190,"NSW",1,1,2,2190]
["GREENACRE",2190,"NSW",1,1,2,2190]
["MOUNT LEWIS",2190,"NSW",1,1,2,2190]
["BELFIELD",2191,"NSW",1,1,2,2191]
["BELMORE",2192,"NSW",1,1,2,2192]
["ASHBURY",2193,"NSW",1,1,1,2193]
["CANTERBURY",2193,"NSW",1,1,1,2193]
["HURLSTONE PARK",2193,"NSW",1,1,1,2193]
["CAMPSIE",2194,"NSW",1,1,2,2194]
["LAKEMBA",2195,"NSW",1,1,2,2195]
["WILEY PARK",2195,"NSW",1,1,2,2195]
["PUNCHBOWL",2196,"NSW",1,1,2,2196]
["ROSELANDS",2196,"NSW",1,1,2,2196]
["BASS HILL",2197,"NSW",1,1,2,2197]
["GEORGES HALL",2198,"NSW",1,1,2,2198]
["YAGOONA",2199,"NSW",1,1,2,2199]
["BANKSTOWN",2200,"NSW",1,1,2,2200]
["BANKSTOWN AERODROME",2200,"NSW",1,0,2,2200]
["CONDELL PARK",2200,"NSW",1,1,2,2200]
["DULWICH HILL",2203,"NSW",1,1,1,2203]
["MARRICKVILLE",2204,"NSW",1,1,2,2204]
["ARNCLIFFE",2205,"NSW",1,1,1,2205]
["TURRELLA",2205,"NSW",1,1,1,2205]
["WOLLI CREEK",2205,"NSW",1,0,1,2205]
["CLEMTON PARK",2206,"NSW",1,1,2,2206]
["EARLWOOD",2206,"NSW",1,1,2,2206]
["BARDWELL PARK",2207,"NSW",1,1,1,2207]
["BARDWELL VALLEY",2207,"NSW",1,1,1,2207]
["BEXLEY",2207,"NSW",1,1,1,2207]
["BEXLEY NORTH",2207,"NSW",1,1,1,2207]
["KINGSGROVE",2208,"NSW",1,1,2,2208]
["BEVERLY HILLS",2209,"NSW",1,1,2,2209]
["NARWEE",2209,"NSW",{"$f":"MAX(F835-1,1)","v":1},1,2,2209]
["LUGARNO",2210,"NSW",1,1,2,2210]
["PEAKHURST",2210,"NSW",1,1,2,2210]
["PEAKHURST HEIGHTS",2210,"NSW",1,1,2,2210]
["RIVERWOOD",2210,"NSW",1,1,2,2210]
["PADSTOW",2211,"NSW",1,1,2,2211]
["PADSTOW HEIGHTS",2211,"NSW",1,1,2,2211]
["REVESBY",2212,"NSW",1,1,2,2212]
["REVESBY HEIGHTS",2212,"NSW",1,1,2,2212]
["EAST HILLS",2213,"NSW",1,1,2,2213]
["PANANIA",2213,"NSW",1,1,2,2213]
["PICNIC POINT",2213,"NSW",1,1,2,2213]
["MILPERRA",2214,"NSW",1,1,2,2214]
["BANKSIA",2216,"NSW",1,1,1,2216]
["BRIGHTON-LE-SANDS",2216,"NSW",1,1,1,2216]
["KYEEMAGH",2216,"NSW",1,1,1,2216]
["ROCKDALE",2216,"NSW",1,1,1,2216]
["BEVERLEY PARK",2217,"NSW",1,1,1,2217]
["KOGARAH",2217,"NSW",1,1,1,2217]
["KOGARAH BAY",2217,"NSW",1,1,1,2217]
["MONTEREY",2217,"NSW",1,1,1,2217]
["RAMSGATE",2217,"NSW",1,1,1,2217]
["RAMSGATE BEACH",2217,"NSW",1,1,1,2217]
["ALLAWAH",2218,"NSW",1,1,1,2218]
["CARLTON",2218,"NSW",1,1,1,2218]
["DOLLS POINT",2219,"NSW",1,1,1,2219]
["SANDRINGHAM",2219,"NSW",1,1,1,2219]
["SANS SOUCI",2219,"NSW",1,1,1,2219]
["HURSTVILLE",2220,"NSW",1,1,2,2220]
["HURSTVILLE GROVE",2220,"NSW",1,1,2,2220]
["BLAKEHURST",2221,"NSW",1,1,2,2221]
["CARSS PARK",2221,"NSW",1,1,2,2221]
["CONNELLS POINT",2221,"NSW",1,1,2,2221]
["KYLE BAY",2221,"NSW",1,1,2,2221]
["SOUTH HURSTVILLE",2221,"NSW",1,1,2,2221]
["PENSHURST",2222,"NSW",1,1,2,2222]
["MORTDALE",2223,"NSW",1,1,2,2223]
["OATLEY",2223,"NSW",1,1,2,2223]
["KANGAROO POINT",2224,"NSW",1,1,2,2224]
["SYLVANIA",2224,"NSW",1,1,2,2224]
["SYLVANIA WATERS",2224,"NSW",1,1,2,2224]
["OYSTER BAY",2225,"NSW",1,1,1,2225]
["BONNET BAY",2226,"NSW",1,1,1,2226]
["COMO",2226,"NSW",1,1,1,2226]
["JANNALI",2226,"NSW",1,1,1,2226]
["GYMEA",2227,"NSW",1,1,2,2227]
["GYMEA BAY",2227,"NSW",1,1,2,2227]
["MIRANDA",2228,"NSW",1,1,2,2228]
["YOWIE BAY",2228,"NSW",1,1,2,2228]
["CARINGBAH",2229,"NSW",1,1,2,2229]
["CARINGBAH SOUTH",2229,"NSW",1,1,2,2229]
["DOLANS BAY",2229,"NSW",1,1,2,2229]
["LILLI PILLI",2229,"NSW",1,1,2,2229]
["TAREN POINT",2229,"NSW",1,1,2,2229]
["BUNDEENA",2230,"NSW",1,1,2,2230]
["BURRANEER",2230,"NSW",1,1,2,2230]
["CRONULLA",2230,"NSW",1,1,2,2230]
["MAIANBAR",2230,"NSW",1,1,2,2230]
["WOOLOOWARE",2230,"NSW",1,1,2,2230]
["KURNELL",2231,"NSW",1,1,2,2231]
["AUDLEY",2232,"NSW",1,1,1,2232]
["GARIE",2232,"NSW",1,1,1,2232]
["GRAYS POINT",2232,"NSW",1,1,1,2232]
["KAREELA",2232,"NSW",1,1,1,2232]
["KIRRAWEE",2232,"NSW",{"$f":"MAX(F899-1,1)","v":1},1,1,2232]
["LOFTUS",2232,"NSW",1,1,1,2232]
["SUTHERLAND",2232,"NSW",1,1,1,2232]
["WORONORA",2232,"NSW",1,1,1,2232]
["ENGADINE",2233,"NSW",1,1,1,2233]
["HEATHCOTE",2233,"NSW",1,1,1,2233]
["WATERFALL",2233,"NSW",1,1,1,2233]
["WORONORA HEIGHTS",2233,"NSW",1,1,1,2233]
["YARRAWARRAH",2233,"NSW",1,1,1,2233]
["ALFORDS POINT",2234,"NSW",1,1,1,2234]
["BANGOR",2234,"NSW",1,1,1,2234]
["BARDEN RIDGE",2234,"NSW",1,1,1,2234]
["ILLAWONG",2234,"NSW",1,1,1,2234]
["LUCAS HEIGHTS",2234,"NSW",1,1,1,2234]
["MENAI",2234,"NSW",1,1,1,2234]
["BUCKETTY",2250,"NSW",1,1,2,2250]
["CALGA",2250,"NSW",1,1,2,2250]
["CENTRAL MANGROVE",2250,"NSW",1,1,2,2250]
["DONOVANS FOREST",2250,"NSW",1,1,2,2250]
["EAST GOSFORD",2250,"NSW",1,1,2,2250]
["ERINA",2250,"NSW",1,1,2,2250]
["GLENWORTH VALLEY",2250,"NSW",1,1,2,2250]
["GOSFORD",2250,"NSW",1,1,2,2250]
["GREENGROVE",2250,"NSW",1,1,2,2250]
["HOLGATE",2250,"NSW",1,1,2,2250]
["KARIONG",2250,"NSW",1,1,2,2250]
["KULNURA",2250,"NSW",1,1,2,2250]
["LISAROW",2250,"NSW",1,1,2,2250]
["LOWER MANGROVE",2250,"NSW",1,1,2,2250]
["MANGROVE CREEK",2250,"NSW",1,1,2,2250]
["MANGROVE MOUNTAIN",2250,"NSW",1,1,2,2250]
["MATCHAM",2250,"NSW",1,1,2,2250]
["MOONEY MOONEY CREEK",2250,"NSW",1,1,2,2250]
["MOUNT ELLIOT",2250,"NSW",1,1,2,2250]
["MOUNT WHITE",2250,"NSW",1,1,2,2250]
["NARARA",2250,"NSW",1,1,2,2250]
["NIAGARA PARK",2250,"NSW",1,1,2,2250]
["NORTH GOSFORD",2250,"NSW",1,1,2,2250]
["PEATS RIDGE",2250,"NSW",1,1,2,2250]
["POINT CLARE",2250,"NSW",1,1,2,2250]
["POINT FREDERICK",2250,"NSW",1,1,2,2250]
["SOMERSBY",2250,"NSW",1,1,2,2250]
["SPRINGFIELD",2250,"NSW",1,1,2,2250]
["TASCOTT",2250,"NSW",1,1,2,2250]
["TEN MILE HOLLOW",2250,"NSW",1,1,2,2250]
["UPPER MANGROVE",2250,"NSW",1,1,2,2250]
["WENDOREE PARK",2250,"NSW",1,1,2,2250]
["WEST GOSFORD",2250,"NSW",1,1,2,2250]
["WYOMING",2250,"NSW",1,1,2,2250]
["AVOCA BEACH",2251,"NSW",1,1,2,2251]
["BENSVILLE",2251,"NSW",1,1,2,2251]
["BOUDDI",2251,"NSW",1,1,2,2251]
["COPACABANA",2251,"NSW",1,1,2,2251]
["DAVISTOWN",2251,"NSW",1,1,2,2251]
["GREEN POINT",2251,"NSW",1,1,2,2251]
["KINCUMBER",2251,"NSW",1,1,2,2251]
["KINCUMBER SOUTH",2251,"NSW",1,1,2,2251]
["MACMASTERS BEACH",2251,"NSW",1,1,2,2251]
["PICKETTS VALLEY",2251,"NSW",1,1,2,2251]
["SARATOGA",2251,"NSW",1,1,2,2251]
["YATTALUNGA",2251,"NSW",1,1,2,2251]
["BLACKWALL",2256,"NSW",1,1,2,2256]
["HORSFIELD BAY",2256,"NSW",1,1,2,2256]
["KOOLEWONG",2256,"NSW",1,1,2,2256]
["LITTLE WOBBY",2256,"NSW",{"$f":"MAX(F963-1,1)","v":1},1,2,2256]
["PATONGA",2256,"NSW",1,1,2,2256]
["PEARL BEACH",2256,"NSW",1,1,2,2256]
["PHEGANS BAY",2256,"NSW",1,1,2,2256]
["WONDABYNE",2256,"NSW",1,1,2,2256]
["WOY WOY",2256,"NSW",1,1,2,2256]
["WOY WOY BAY",2256,"NSW",1,1,2,2256]
["BOOKER BAY",2257,"NSW",1,1,2,2257]
["BOX HEAD",2257,"NSW",1,1,2,2257]
["DALEYS POINT",2257,"NSW",1,1,2,2257]
["EMPIRE BAY",2257,"NSW",1,1,2,2257]
["ETTALONG BEACH",2257,"NSW",1,1,2,2257]
["HARDYS BAY",2257,"NSW",1,1,2,2257]
["KILLCARE",2257,"NSW",1,1,2,2257]
["KILLCARE HEIGHTS",2257,"NSW",1,1,2,2257]
["PRETTY BEACH",2257,"NSW",1,1,2,2257]
["ST HUBERTS ISLAND",2257,"NSW",1,1,2,2257]
["UMINA BEACH",2257,"NSW",1,1,2,2257]
["WAGSTAFFE",2257,"NSW",1,1,2,2257]
["FOUNTAINDALE",2258,"NSW",1,1,2,2258]
["KANGY ANGY",2258,"NSW",1,1,2,2258]
["OURIMBAH",2258,"NSW",1,1,2,2258]
["PALM GROVE",2258,"NSW",1,1,2,2258]
["PALMDALE",2258,"NSW",1,1,2,2258]
["ALISON",2259,"NSW",1,1,2,2259]
["BUSHELLS RIDGE",2259,"NSW",1,1,2,2259]
["CEDAR BRUSH CREEK",2259,"NSW",1,1,2,2259]
["CHAIN VALLEY BAY",2259,"NSW",1,1,2,2259]
["CRANGAN BAY",2259,"NSW",1,1,2,2259]
["DOORALONG",2259,"NSW",1,1,2,2259]
["DURREN DURREN",2259,"NSW",1,1,2,2259]
["FRAZER PARK",2259,"NSW",1,1,2,2259]
["FREEMANS",2259,"NSW",1,1,2,2259]
["GWANDALAN",2259,"NSW",1,1,2,2259]
["HALLORAN",2259,"NSW",1,1,2,2259]
["HAMLYN TERRACE",2259,"NSW",1,1,2,2259]
["JILLIBY",2259,"NSW",1,1,2,2259]
["KANWAL",2259,"NSW",1,1,2,2259]
["KIAR",2259,"NSW",1,1,2,2259]
["KINGFISHER SHORES",2259,"NSW",1,1,2,2259]
["LAKE MUNMORAH",2259,"NSW",1,1,2,2259]
["LEMON TREE",2259,"NSW",1,1,2,2259]
["LITTLE JILLIBY",2259,"NSW",1,1,2,2259]
["MANNERING PARK",2259,"NSW",1,1,2,2259]
["MARDI",2259,"NSW",1,1,2,2259]
["MOONEE",2259,"NSW",1,1,2,2259]
["POINT WOLSTONCROFT",2259,"NSW",1,1,2,2259]
["RAVENSDALE",2259,"NSW",1,1,2,2259]
["ROCKY POINT",2259,"NSW",1,1,2,2259]
["SUMMERLAND POINT",2259,"NSW",1,1,2,2259]
["TACOMA",2259,"NSW",1,1,2,2259]
["TACOMA SOUTH",2259,"NSW",1,1,2,2259]
["TUGGERAH",2259,"NSW",1,1,2,2259]
["TUGGERAWONG",2259,"NSW",1,1,2,2259]
["WADALBA",2259,"NSW",1,1,2,2259]
["WALLARAH",2259,"NSW",1,1,2,2259]
["WARNERVALE",2259,"NSW",1,1,2,2259]
["WATANOBBI",2259,"NSW",1,1,2,2259]
["WOONGARRAH",2259,"NSW",1,1,2,2259]
["WYBUNG",2259,"NSW",1,1,2,2259]
["WYEE",2259,"NSW",1,1,2,2259]
["WYEE POINT",2259,"NSW",1,1,2,2259]
["WYONG",2259,"NSW",1,1,2,2259]
["WYONG CREEK",2259,"NSW",1,1,2,2259]
["WYONGAH",2259,"NSW",{"$f":"MAX(F1027-1,1)","v":1},1,2,2259]
["YARRAMALONG",2259,"NSW",1,1,2,2259]
["ERINA HEIGHTS",2260,"NSW",1,1,2,2260]
["FORRESTERS BEACH",2260,"NSW",1,1,2,2260]
["NORTH AVOCA",2260,"NSW",1,1,2,2260]
["TERRIGAL",2260,"NSW",1,1,2,2260]
["WAMBERAL",2260,"NSW",1,1,2,2260]
["BATEAU BAY",2261,"NSW",1,1,2,2261]
["BERKELEY VALE",2261,"NSW",1,1,2,2261]
["BLUE BAY",2261,"NSW",1,1,2,2261]
["CHITTAWAY BAY",2261,"NSW",1,1,2,2261]
["CHITTAWAY POINT",2261,"NSW",1,1,2,2261]
["GLENNING VALLEY",2261,"NSW",1,1,2,2261]
["KILLARNEY VALE",2261,"NSW",1,1,2,2261]
["LONG JETTY",2261,"NSW",1,1,2,2261]
["MAGENTA",2261,"NSW",1,1,2,2261]
["SHELLY BEACH",2261,"NSW",1,1,2,2261]
["THE ENTRANCE",2261,"NSW",1,1,2,2261]
["THE ENTRANCE NORTH",2261,"NSW",1,1,2,2261]
["TOOWOON BAY",2261,"NSW",1,1,2,2261]
["TUMBI UMBI",2261,"NSW",1,1,2,2261]
["BLUE HAVEN",2262,"NSW",1,1,2,2262]
["BUDGEWOI",2262,"NSW",1,1,2,2262]
["BUFF POINT",2262,"NSW",1,1,2,2262]
["COLONGRA",2262,"NSW",1,1,2,2262]
["DOYALSON",2262,"NSW",1,1,2,2262]
["DOYALSON NORTH",2262,"NSW",1,1,2,2262]
["HALEKULANI",2262,"NSW",1,1,2,2262]
["SAN REMO",2262,"NSW",1,1,2,2262]
["CANTON BEACH",2263,"NSW",1,1,2,2263]
["CHARMHAVEN",2263,"NSW",1,1,2,2263]
["GOROKAN",2263,"NSW",1,1,2,2263]
["LAKE HAVEN",2263,"NSW",1,1,2,2263]
["NORAH HEAD",2263,"NSW",1,1,2,2263]
["NORAVILLE",2263,"NSW",1,1,2,2263]
["TOUKLEY",2263,"NSW",1,1,2,2263]
["BALCOLYN",2264,"NSW",1,1,2,2264]
["BONNELLS BAY",2264,"NSW",1,1,2,2264]
["BRIGHTWATERS",2264,"NSW",1,1,2,2264]
["DORA CREEK",2264,"NSW",1,1,2,2264]
["ERARING",2264,"NSW",1,1,2,2264]
["MANDALONG",2264,"NSW",1,1,2,2264]
["MIRRABOOKA",2264,"NSW",1,1,2,2264]
["MORISSET",2264,"NSW",1,1,2,2264]
["MORISSET PARK",2264,"NSW",1,1,2,2264]
["MYUNA BAY",2264,"NSW",1,1,2,2264]
["SILVERWATER",2264,"NSW",1,1,2,2264]
["SUNSHINE",2264,"NSW",1,1,2,2264]
["WINDERMERE PARK",2264,"NSW",1,1,2,2264]
["YARRAWONGA PARK",2264,"NSW",1,1,2,2264]
["COORANBONG",2265,"NSW",1,1,2,2265]
["MARTINSVILLE",2265,"NSW",1,1,2,2265]
["WANGI WANGI",2267,"NSW",1,0,2,2267]
["BARNSLEY",2278,"NSW",1,1,2,2278]
["KILLINGWORTH",2278,"NSW",1,1,2,2278]
["WAKEFIELD",2278,"NSW",1,1,2,2278]
["BELMONT",2280,"NSW",1,1,2,2280]
["BELMONT NORTH",2280,"NSW",1,1,2,2280]
["BELMONT SOUTH",2280,"NSW",1,1,2,2280]
["CROUDACE BAY",2280,"NSW",1,1,2,2280]
["FLORAVILLE",2280,"NSW",1,1,2,2280]
["JEWELLS",2280,"NSW",1,1,2,2280]
["MARKS POINT",2280,"NSW",1,1,2,2280]
["VALENTINE",2280,"NSW",1,1,2,2280]
["BLACKSMITHS",2281,"NSW",{"$f":"MAX(F1091-1,1)","v":1},1,2,2281]
["CAMS WHARF",2281,"NSW",1,1,2,2281]
["CATHERINE HILL BAY",2281,"NSW",1,1,2,2281]
["CAVES BEACH",2281,"NSW",1,1,2,2281]
["LITTLE PELICAN",2281,"NSW",1,1,2,2281]
["MURRAYS BEACH",2281,"NSW",1,1,2,2281]
["NORDS WHARF",2281,"NSW",1,1,2,2281]
["PELICAN",2281,"NSW",1,1,2,2281]
["PINNY BEACH",2281,"NSW",1,1,2,2281]
["SWANSEA",2281,"NSW",1,1,2,2281]
["SWANSEA HEADS",2281,"NSW",1,1,2,2281]
["ELEEBANA",2282,"NSW",1,1,2,2282]
["LAKELANDS",2282,"NSW",1,1,2,2282]
["WARNERS BAY",2282,"NSW",1,1,2,2282]
["ARCADIA VALE",2283,"NSW",1,1,2,2283]
["AWABA",2283,"NSW",1,1,2,2283]
["BALMORAL",2283,"NSW",1,1,2,2283]
["BLACKALLS PARK",2283,"NSW",1,1,2,2283]
["BOLTON POINT",2283,"NSW",1,1,2,2283]
["BUTTABA",2283,"NSW",1,1,2,2283]
["CAREY BAY",2283,"NSW",1,1,2,2283]
["COAL POINT",2283,"NSW",1,1,2,2283]
["FASSIFERN",2283,"NSW",1,1,2,2283]
["FENNELL BAY",2283,"NSW",1,1,2,2283]
["FISHING POINT",2283,"NSW",1,1,2,2283]
["KILABEN BAY",2283,"NSW",1,1,2,2283]
["RATHMINES",2283,"NSW",1,1,2,2283]
["RYHOPE",2283,"NSW",1,1,2,2283]
["TORONTO",2283,"NSW",1,1,2,2283]
["ARGENTON",2284,"NSW",1,0,2,2284]
["BOOLAROO",2284,"NSW",1,0,2,2284]
["BOORAGUL",2284,"NSW",1,0,2,2284]
["MARMONG POINT",2284,"NSW",1,0,2,2284]
["SPEERS POINT",2284,"NSW",1,0,2,2284]
["TERALBA",2284,"NSW",1,0,2,2284]
["WOODRISING",2284,"NSW",1,0,2,2284]
["CAMERON PARK",2285,"NSW",1,1,2,2285]
["CARDIFF",2285,"NSW",1,1,2,2285]
["CARDIFF HEIGHTS",2285,"NSW",1,1,2,2285]
["CARDIFF SOUTH",2285,"NSW",1,1,2,2285]
["EDGEWORTH",2285,"NSW",1,1,2,2285]
["EDGEWORTH",2285,"NSW",1,1,2,2285]
["GLENDALE",2285,"NSW",1,1,2,2285]
["MACQUARIE HILLS",2285,"NSW",1,1,2,2285]
["HOLMESVILLE",2286,"NSW",1,1,2,2286]
["SEAHAMPTON",2286,"NSW",1,1,2,2286]
["WEST WALLSEND",2286,"NSW",1,1,2,2286]
["BIRMINGHAM GARDENS",2287,"NSW",1,1,2,2287]
["ELERMORE VALE",2287,"NSW",1,1,2,2287]
["FLETCHER",2287,"NSW",1,1,2,2287]
["MARYLAND",2287,"NSW",1,1,2,2287]
["MINMI",2287,"NSW",1,1,2,2287]
["RANKIN PARK",2287,"NSW",1,1,2,2287]
["WALLSEND",2287,"NSW",1,1,2,2287]
["ADAMSTOWN",2289,"NSW",1,1,2,2289]
["ADAMSTOWN HEIGHTS",2289,"NSW",1,1,2,2289]
["GARDEN SUBURB",2289,"NSW",1,1,2,2289]
["HIGHFIELDS",2289,"NSW",1,1,2,2289]
["KOTARA",2289,"NSW",1,1,2,2289]
["KOTARA SOUTH",2289,"NSW",1,1,2,2289]
["BENNETTS GREEN",2290,"NSW",1,1,2,2290]
["CHARLESTOWN",2290,"NSW",1,1,2,2290]
["DUDLEY",2290,"NSW",1,1,2,2290]
["GATESHEAD",2290,"NSW",1,1,2,2290]
["HILLSBOROUGH",2290,"NSW",{"$f":"MAX(F1155-1,1)","v":1},1,2,2290]
["KAHIBAH",2290,"NSW",1,1,2,2290]
["MOUNT HUTTON",2290,"NSW",1,1,2,2290]
["REDHEAD",2290,"NSW",1,1,2,2290]
["TINGIRA HEIGHTS",2290,"NSW",1,1,2,2290]
["WHITEBRIDGE",2290,"NSW",1,1,2,2290]
["MEREWETHER",2291,"NSW",1,1,2,2291]
["MEREWETHER HEIGHTS",2291,"NSW",1,1,2,2291]
["THE JUNCTION",2291,"NSW",1,1,2,2291]
["BROADMEADOW",2292,"NSW",1,1,2,2292]
["HAMILTON NORTH",2292,"NSW",1,1,2,2292]
["MARYVILLE",2293,"NSW",1,1,2,2293]
["WICKHAM",2293,"NSW",1,1,2,2293]
["CARRINGTON",2294,"NSW",1,1,2,2294]
["FERN BAY",2295,"NSW",1,1,2,2295]
["STOCKTON",2295,"NSW",1,1,2,2295]
["ISLINGTON",2296,"NSW",1,1,2,2296]
["TIGHES HILL",2297,"NSW",1,1,2,2297]
["GEORGETOWN",2298,"NSW",1,1,2,2298]
["WARATAH",2298,"NSW",1,1,2,2298]
["WARATAH WEST",2298,"NSW",1,1,2,2298]
["JESMOND",2299,"NSW",1,1,2,2299]
["LAMBTON",2299,"NSW",1,1,2,2299]
["NORTH LAMBTON",2299,"NSW",1,1,2,2299]
["BAR BEACH",2300,"NSW",1,1,2,2300]
["COOKS HILL",2300,"NSW",1,1,2,2300]
["NEWCASTLE",2300,"NSW",1,1,2,2300]
["NEWCASTLE EAST",2300,"NSW",1,1,2,2300]
["THE HILL",2300,"NSW",1,1,2,2300]
["NEWCASTLE WEST",2302,"NSW",1,1,2,2302]
["HAMILTON",2303,"NSW",1,1,2,2303]
["HAMILTON EAST",2303,"NSW",1,1,2,2303]
["HAMILTON SOUTH",2303,"NSW",1,1,2,2303]
["KOORAGANG",2304,"NSW",1,1,2,2304]
["MAYFIELD",2304,"NSW",1,1,2,2304]
["MAYFIELD EAST",2304,"NSW",1,1,2,2304]
["MAYFIELD NORTH",2304,"NSW",1,1,2,2304]
["MAYFIELD WEST",2304,"NSW",1,1,2,2304]
["SANDGATE",2304,"NSW",1,1,2,2304]
["WARABROOK",2304,"NSW",1,1,2,2304]
["NEW LAMBTON",2305,"NSW",1,1,2,2305]
["NEW LAMBTON HEIGHTS",2305,"NSW",1,1,2,2305]
["WINDALE",2306,"NSW",1,1,2,2306]
["SHORTLAND",2307,"NSW",1,1,2,2307]
["CALLAGHAN",2308,"NSW",1,1,2,2308]
["NEWCASTLE UNIVERSITY",2308,"NSW",1,1,2,2308]
["ALLYNBROOK",2311,"NSW",1,0,2,2311]
["BINGLEBURRA",2311,"NSW",1,0,2,2311]
["CARRABOLLA",2311,"NSW",1,0,2,2311]
["EAST GRESFORD",2311,"NSW",1,0,2,2311]
["ECCLESTON",2311,"NSW",1,0,2,2311]
["GRESFORD",2311,"NSW",1,0,2,2311]
["HALTON",2311,"NSW",1,0,2,2311]
["LEWINSBROOK",2311,"NSW",1,0,2,2311]
["LOSTOCK",2311,"NSW",1,0,2,2311]
["MOUNT RIVERS",2311,"NSW",1,0,2,2311]
["UPPER ALLYN",2311,"NSW",1,0,2,2311]
["NABIAC",2312,"NSW",1,0,2,2312]
["WILLIAMTOWN RAAF",2314,"NSW",1,0,2,2314]
["CORLETTE",2315,"NSW",1,1,2,2315]
["FINGAL BAY",2315,"NSW",1,1,2,2315]
["NELSON BAY",2315,"NSW",1,1,2,2315]
["SHOAL BAY",2315,"NSW",1,1,2,2315]
["ANNA BAY",2316,"NSW",1,1,2,2316]
["BOAT HARBOUR",2316,"NSW",{"$f":"MAX(F1219-1,1)","v":1},1,2,2316]
["BOBS FARM",2316,"NSW",1,1,2,2316]
["FISHERMANS BAY",2316,"NSW",1,1,2,2316]
["ONE MILE",2316,"NSW",1,1,2,2316]
["TAYLORS BEACH",2316,"NSW",1,1,2,2316]
["SALAMANDER BAY",2317,"NSW",1,1,2,2317]
["SOLDIERS POINT",2317,"NSW",1,1,2,2317]
["CAMPVALE",2318,"NSW",1,1,2,2318]
["FERODALE",2318,"NSW",1,1,2,2318]
["FULLERTON COVE",2318,"NSW",1,1,2,2318]
["MEDOWIE",2318,"NSW",1,1,2,2318]
["OYSTER COVE",2318,"NSW",1,1,2,2318]
["SALT ASH",2318,"NSW",1,1,2,2318]
["WILLIAMTOWN",2318,"NSW",1,1,2,2318]
["LEMON TREE PASSAGE",2319,"NSW",1,1,2,2319]
["MALLABULA",2319,"NSW",1,1,2,2319]
["TANILBA BAY",2319,"NSW",1,1,2,2319]
["TILLIGERRY CREEK",2319,"NSW",1,1,2,2319]
["ABERGLASSLYN",2320,"NSW",1,1,2,2320]
["ALLANDALE",2320,"NSW",1,1,2,2320]
["ANAMBAH",2320,"NSW",1,1,2,2320]
["BOLWARRA",2320,"NSW",1,1,2,2320]
["BOLWARRA HEIGHTS",2320,"NSW",1,1,2,2320]
["FARLEY",2320,"NSW",1,1,2,2320]
["GLEN OAK",2320,"NSW",1,1,2,2320]
["GOSFORTH",2320,"NSW",1,1,2,2320]
["HILLSBOROUGH",2320,"NSW",1,1,2,2320]
["HORSESHOE BEND",2320,"NSW",1,1,2,2320]
["KEINBAH",2320,"NSW",1,1,2,2320]
["LARGS",2320,"NSW",1,1,2,2320]
["LORN",2320,"NSW",1,1,2,2320]
["LOUTH PARK",2320,"NSW",1,1,2,2320]
["MAITLAND",2320,"NSW",1,1,2,2320]
["MAITLAND VALE",2320,"NSW",1,1,2,2320]
["MELVILLE",2320,"NSW",1,1,2,2320]
["MINDARIBBA",2320,"NSW",1,1,2,2320]
["MOUNT DEE",2320,"NSW",1,1,2,2320]
["OAKHAMPTON",2320,"NSW",1,1,2,2320]
["OAKHAMPTON HEIGHTS",2320,"NSW",1,1,2,2320]
["POKOLBIN",2320,"NSW",1,1,2,2320]
["ROSEBROOK",2320,"NSW",1,1,2,2320]
["ROTHBURY",2320,"NSW",1,1,2,2320]
["RUTHERFORD",2320,"NSW",1,1,2,2320]
["SOUTH MAITLAND",2320,"NSW",1,1,2,2320]
["TELARAH",2320,"NSW",1,1,2,2320]
["WALLALONG",2320,"NSW",1,1,2,2320]
["WINDELLA",2320,"NSW",1,1,2,2320]
["BERRY PARK",2321,"NSW",1,1,2,2321]
["BUTTERWICK",2321,"NSW",1,1,2,2321]
["CLARENCE TOWN",2321,"NSW",1,1,2,2321]
["CLIFTLEIGH",2321,"NSW",1,1,2,2321]
["DUCKENFIELD",2321,"NSW",1,1,2,2321]
["DUNS CREEK",2321,"NSW",1,1,2,2321]
["GILLIESTON HEIGHTS",2321,"NSW",1,1,2,2321]
["GLEN MARTIN",2321,"NSW",1,1,2,2321]
["GLEN WILLIAM",2321,"NSW",1,1,2,2321]
["HARPERS HILL",2321,"NSW",1,1,2,2321]
["HEDDON GRETA",2321,"NSW",1,1,2,2321]
["HINTON",2321,"NSW",1,1,2,2321]
["LOCHINVAR",2321,"NSW",1,1,2,2321]
["LUSKINTYRE",2321,"NSW",1,1,2,2321]
["MORPETH",2321,"NSW",1,1,2,2321]
["OSWALD",2321,"NSW",1,1,2,2321]
["PHOENIX PARK",2321,"NSW",1,1,2,2321]
["RAWORTH",2321,"NSW",{"$f":"MAX(F1283-1,1)","v":1},1,2,2321]
["WINDERMERE",2321,"NSW",1,1,2,2321]
["WOODVILLE",2321,"NSW",1,1,2,2321]
["BERESFIELD",2322,"NSW",1,1,2,2322]
["BLACK HILL",2322,"NSW",1,1,2,2322]
["CHISHOLM",2322,"NSW",1,1,2,2322]
["HEXHAM",2322,"NSW",1,1,2,2322]
["LENAGHAN",2322,"NSW",1,1,2,2322]
["STOCKRINGTON",2322,"NSW",1,1,2,2322]
["TARRO",2322,"NSW",1,1,2,2322]
["THORNTON",2322,"NSW",1,1,2,2322]
["TOMAGO",2322,"NSW",1,1,2,2322]
["WOODBERRY",2322,"NSW",1,1,2,2322]
["ASHTONFIELD",2323,"NSW",1,1,2,2323]
["BRUNKERVILLE",2323,"NSW",1,1,2,2323]
["BUCHANAN",2323,"NSW",1,1,2,2323]
["BUTTAI",2323,"NSW",1,1,2,2323]
["EAST MAITLAND",2323,"NSW",1,1,2,2323]
["FOUR MILE CREEK",2323,"NSW",1,1,2,2323]
["FREEMANS WATERHOLE",2323,"NSW",1,1,2,2323]
["METFORD",2323,"NSW",1,1,2,2323]
["MOUNT VINCENT",2323,"NSW",1,1,2,2323]
["MULBRING",2323,"NSW",1,1,2,2323]
["PITNACREE",2323,"NSW",1,1,2,2323]
["RICHMOND VALE",2323,"NSW",1,1,2,2323]
["TENAMBIT",2323,"NSW",1,1,2,2323]
["BALICKERA",2324,"NSW",1,0,2,2324]
["BRANDY HILL",2324,"NSW",1,0,2,2324]
["BUNDABAH",2324,"NSW",1,0,2,2324]
["CARRINGTON",2324,"NSW",1,0,2,2324]
["EAGLETON",2324,"NSW",1,0,2,2324]
["EAST SEAHAM",2324,"NSW",1,0,2,2324]
["HAWKS NEST",2324,"NSW",1,0,2,2324]
["HEATHERBRAE",2324,"NSW",1,0,2,2324]
["KARUAH",2324,"NSW",1,0,2,2324]
["LIMEBURNERS CREEK",2324,"NSW",1,0,2,2324]
["MILLERS FOREST",2324,"NSW",1,0,2,2324]
["MOTTO FARM",2324,"NSW",1,0,2,2324]
["NELSONS PLAINS",2324,"NSW",1,0,2,2324]
["NORTH ARM COVE",2324,"NSW",1,0,2,2324]
["OSTERLEY",2324,"NSW",1,0,2,2324]
["PINDIMAR",2324,"NSW",1,0,2,2324]
["RAYMOND TERRACE",2324,"NSW",1,0,2,2324]
["SEAHAM",2324,"NSW",1,0,2,2324]
["SWAN BAY",2324,"NSW",1,0,2,2324]
["TAHLEE",2324,"NSW",1,0,2,2324]
["TEA GARDENS",2324,"NSW",1,0,2,2324]
["TWELVE MILE CREEK",2324,"NSW",1,0,2,2324]
["ABERDARE",2325,"NSW",1,0,2,2325]
["ABERNETHY",2325,"NSW",1,0,2,2325]
["BELLBIRD",2325,"NSW",1,0,2,2325]
["BELLBIRD HEIGHTS",2325,"NSW",1,0,2,2325]
["CEDAR CREEK",2325,"NSW",1,0,2,2325]
["CESSNOCK",2325,"NSW",1,0,2,2325]
["CONGEWAI",2325,"NSW",1,0,2,2325]
["CORRABARE",2325,"NSW",1,0,2,2325]
["ELLALONG",2325,"NSW",1,0,2,2325]
["ELRINGTON",2325,"NSW",1,0,2,2325]
["GRETA MAIN",2325,"NSW",1,0,2,2325]
["KEARSLEY",2325,"NSW",1,0,2,2325]
["KITCHENER",2325,"NSW",1,0,2,2325]
["LAGUNA",2325,"NSW",1,0,2,2325]
["LOVEDALE",2325,"NSW",1,0,2,2325]
["MILLFIELD",2325,"NSW",1,0,2,2325]
["MORUBEN",2325,"NSW",{"$f":"MAX(F1347-1,1)","v":1},0,2,2325]
["MOUNT VIEW",2325,"NSW",1,0,2,2325]
["NULKABA",2325,"NSW",1,0,2,2325]
["OLNEY",2325,"NSW",1,0,2,2325]
["PAXTON",2325,"NSW",1,0,2,2325]
["PAYNES CROSSING",2325,"NSW",1,0,2,2325]
["PELTON",2325,"NSW",1,0,2,2325]
["QUORROBOLONG",2325,"NSW",1,0,2,2325]
["SWEETMANS CREEK",2325,"NSW",1,0,2,2325]
["WOLLOMBI",2325,"NSW",1,0,2,2325]
["ABERMAIN",2326,"NSW",1,0,2,2326]
["BISHOPS BRIDGE",2326,"NSW",1,0,2,2326]
["LOXFORD",2326,"NSW",1,0,2,2326]
["NEATH",2326,"NSW",1,0,2,2326]
["SAWYERS GULLY",2326,"NSW",1,0,2,2326]
["WESTON",2326,"NSW",1,0,2,2326]
["KURRI KURRI",2327,"NSW",1,0,2,2327]
["PELAW MAIN",2327,"NSW",1,0,2,2327]
["STANFORD MERTHYR",2327,"NSW",1,0,2,2327]
["BUREEN",2328,"NSW",2,0,3,2328]
["DALSWINTON",2328,"NSW",2,0,3,2328]
["DENMAN",2328,"NSW",2,0,3,2328]
["GIANTS CREEK",2328,"NSW",2,0,3,2328]
["HOLLYDEEN",2328,"NSW",2,0,3,2328]
["KERRABEE",2328,"NSW",2,0,3,2328]
["MANGOOLA",2328,"NSW",2,0,3,2328]
["MARTINDALE",2328,"NSW",2,0,3,2328]
["WIDDEN",2328,"NSW",2,0,3,2328]
["YARRAWA",2328,"NSW",2,0,3,2328]
["CASSILIS",2329,"NSW",2,0,3,2329]
["MERRIWA",2329,"NSW",2,0,3,2329]
["UARBRY",2329,"NSW",2,0,3,2329]
["APPLETREE FLAT",2330,"NSW",1,0,2,2330]
["BIG RIDGE",2330,"NSW",1,0,2,2330]
["BIG YENGO",2330,"NSW",1,0,2,2330]
["BOWMANS CREEK",2330,"NSW",1,0,2,2330]
["BRIDGMAN",2330,"NSW",1,0,2,2330]
["BROKE",2330,"NSW",1,0,2,2330]
["BULGA",2330,"NSW",1,0,2,2330]
["CAMBERWELL",2330,"NSW",1,0,2,2330]
["CARROWBROOK",2330,"NSW",1,0,2,2330]
["CLYDESDALE",2330,"NSW",1,0,2,2330]
["COMBO",2330,"NSW",1,0,2,2330]
["DARLINGTON",2330,"NSW",1,0,2,2330]
["DOYLES CREEK",2330,"NSW",1,0,2,2330]
["DUNOLLY",2330,"NSW",1,0,2,2330]
["DURAL",2330,"NSW",1,0,2,2330]
["DYRRING",2330,"NSW",1,0,2,2330]
["FALBROOK",2330,"NSW",1,0,2,2330]
["FERN GULLY",2330,"NSW",1,0,2,2330]
["FORDWICH",2330,"NSW",1,0,2,2330]
["GARLAND VALLEY",2330,"NSW",1,0,2,2330]
["GLENDON",2330,"NSW",1,0,2,2330]
["GLENDON BROOK",2330,"NSW",1,0,2,2330]
["GLENNIES CREEK",2330,"NSW",1,0,2,2330]
["GLENRIDDING",2330,"NSW",1,0,2,2330]
["GOORANGOOLA",2330,"NSW",1,0,2,2330]
["GOULDSVILLE",2330,"NSW",1,0,2,2330]
["GOWRIE",2330,"NSW",1,0,2,2330]
["GREENLANDS",2330,"NSW",1,0,2,2330]
["HAMBLEDON HILL",2330,"NSW",1,0,2,2330]
["HEBDEN",2330,"NSW",1,0,2,2330]
["HOWES VALLEY",2330,"NSW",1,0,2,2330]
["HOWICK",2330,"NSW",1,0,2,2330]
["HUNTERVIEW",2330,"NSW",{"$f":"MAX(F1411-1,1)","v":1},0,2,2330]
["JERRYS PLAINS",2330,"NSW",1,0,2,2330]
["LEMINGTON",2330,"NSW",1,0,2,2330]
["LONG POINT",2330,"NSW",1,0,2,2330]
["MAISON DIEU",2330,"NSW",1,0,2,2330]
["MCDOUGALLS HILL",2330,"NSW",1,0,2,2330]
["MIDDLE FALBROOK",2330,"NSW",1,0,2,2330]
["MILBRODALE",2330,"NSW",1,0,2,2330]
["MIRANNIE",2330,"NSW",1,0,2,2330]
["MITCHELLS FLAT",2330,"NSW",1,0,2,2330]
["MOUNT OLIVE",2330,"NSW",1,0,2,2330]
["MOUNT ROYAL",2330,"NSW",1,0,2,2330]
["MOUNT THORLEY",2330,"NSW",1,0,2,2330]
["OBANVALE",2330,"NSW",1,0,2,2330]
["PUTTY",2330,"NSW",1,0,2,2330]
["RAVENSWORTH",2330,"NSW",1,0,2,2330]
["REDBOURNBERRY",2330,"NSW",1,0,2,2330]
["REEDY CREEK",2330,"NSW",1,0,2,2330]
["RIXS CREEK",2330,"NSW",1,0,2,2330]
["ROUGHIT",2330,"NSW",1,0,2,2330]
["SCOTTS FLAT",2330,"NSW",1,0,2,2330]
["SEDGEFIELD",2330,"NSW",1,0,2,2330]
["SINGLETON",2330,"NSW",1,0,2,2330]
["SINGLETON HEIGHTS",2330,"NSW",1,0,2,2330]
["ST CLAIR",2330,"NSW",1,0,2,2330]
["WARKWORTH",2330,"NSW",1,0,2,2330]
["WATTLE PONDS",2330,"NSW",1,0,2,2330]
["WESTBROOK",2330,"NSW",1,0,2,2330]
["WHITTINGHAM",2330,"NSW",1,0,2,2330]
["WOLLEMI",2330,"NSW",1,0,2,2330]
["WYLIES FLAT",2330,"NSW",1,0,2,2330]
["BAERAMI",2333,"NSW",2,0,3,2333]
["BAERAMI CREEK",2333,"NSW",2,0,3,2333]
["BENGALLA",2333,"NSW",2,0,3,2333]
["CASTLE ROCK",2333,"NSW",2,0,3,2333]
["EDDERTON",2333,"NSW",2,0,3,2333]
["GUNGAL",2333,"NSW",2,0,3,2333]
["KAYUGA",2333,"NSW",2,0,3,2333]
["LIDDELL",2333,"NSW",2,0,3,2333]
["MANOBALAI",2333,"NSW",2,0,3,2333]
["MCCULLYS GAP",2333,"NSW",2,0,3,2333]
["MUSCLE CREEK",2333,"NSW",2,0,3,2333]
["MUSWELLBROOK",2333,"NSW",2,0,3,2333]
["SANDY HOLLOW",2333,"NSW",2,0,3,2333]
["WYBONG",2333,"NSW",2,0,3,2333]
["GRETA",2334,"NSW",1,0,2,2334]
["BELFORD",2335,"NSW",1,0,2,2335]
["BRANXTON",2335,"NSW",1,0,2,2335]
["DALWOOD",2335,"NSW",1,0,2,2335]
["EAST BRANXTON",2335,"NSW",1,0,2,2335]
["ELDERSLIE",2335,"NSW",1,0,2,2335]
["LAMBS VALLEY",2335,"NSW",1,0,2,2335]
["LECONFIELD",2335,"NSW",1,0,2,2335]
["LOWER BELFORD",2335,"NSW",1,0,2,2335]
["NORTH ROTHBURY",2335,"NSW",1,0,2,2335]
["STANHOPE",2335,"NSW",1,0,2,2335]
["ABERDEEN",2336,"NSW",2,0,3,2336]
["DARTBROOK",2336,"NSW",2,0,3,2336]
["DAVIS CREEK",2336,"NSW",2,0,3,2336]
["ROSSGOLE",2336,"NSW",2,0,3,2336]
["ROUCHEL",2336,"NSW",2,0,3,2336]
["ROUCHEL BROOK",2336,"NSW",2,0,3,2336]
["UPPER DARTBROOK",2336,"NSW",2,0,3,2336]
["UPPER ROUCHEL",2336,"NSW",2,0,3,2336]
["BELLTREES",2337,"NSW",{"$f":"MAX(F1475-1,1)","v":2},0,3,2337]
["BRAWBOY",2337,"NSW",2,0,3,2337]
["BUNNAN",2337,"NSW",2,0,3,2337]
["DRY CREEK",2337,"NSW",2,0,3,2337]
["ELLERSTON",2337,"NSW",2,0,3,2337]
["GLENBAWN",2337,"NSW",2,0,3,2337]
["GLENROCK",2337,"NSW",2,0,3,2337]
["GUNDY",2337,"NSW",2,0,3,2337]
["KARS SPRINGS",2337,"NSW",2,0,3,2337]
["MIDDLE BROOK",2337,"NSW",2,0,3,2337]
["MOOBI",2337,"NSW",2,0,3,2337]
["MOONAN BROOK",2337,"NSW",2,0,3,2337]
["MOONAN FLAT",2337,"NSW",2,0,3,2337]
["MURULLA",2337,"NSW",2,0,3,2337]
["OMADALE",2337,"NSW",2,0,3,2337]
["OWENS GAP",2337,"NSW",2,0,3,2337]
["PAGES CREEK",2337,"NSW",2,0,3,2337]
["PARKVILLE",2337,"NSW",2,0,3,2337]
["SCONE",2337,"NSW",2,0,3,2337]
["SEGENHOE",2337,"NSW",2,0,3,2337]
["STEWARTS BROOK",2337,"NSW",2,0,3,2337]
["TOMALLA",2337,"NSW",2,0,3,2337]
["WAVERLY",2337,"NSW",2,0,3,2337]
["WINGEN",2337,"NSW",2,0,3,2337]
["WOOLOOMA",2337,"NSW",2,0,3,2337]
["ARDGLEN",2338,"NSW",2,0,3,2338]
["BLANDFORD",2338,"NSW",2,0,3,2338]
["CRAWNEY",2338,"NSW",2,0,3,2338]
["GREEN CREEK",2338,"NSW",2,0,3,2338]
["MURRURUNDI",2338,"NSW",2,0,3,2338]
["PAGES RIVER",2338,"NSW",2,0,3,2338]
["SANDY CREEK",2338,"NSW",2,0,3,2338]
["SCOTTS CREEK",2338,"NSW",2,0,3,2338]
["TIMOR",2338,"NSW",2,0,3,2338]
["BIG JACKS CREEK",2339,"NSW",1,0,2,2339]
["BRAEFIELD",2339,"NSW",1,0,2,2339]
["CATTLE CREEK",2339,"NSW",1,0,2,2339]
["CHILCOTTS CREEK",2339,"NSW",1,0,2,2339]
["LITTLE JACKS CREEK",2339,"NSW",1,0,2,2339]
["MACDONALDS CREEK",2339,"NSW",1,0,2,2339]
["PARRAWEENA",2339,"NSW",1,0,2,2339]
["WARRAH",2339,"NSW",1,0,2,2339]
["WARRAH CREEK",2339,"NSW",1,0,2,2339]
["WILLOW TREE",2339,"NSW",1,0,2,2339]
["APPLEBY",2340,"NSW",1,0,2,2340]
["BARRY",2340,"NSW",1,0,2,2340]
["BECTIVE",2340,"NSW",1,0,2,2340]
["BITHRAMERE",2340,"NSW",1,0,2,2340]
["BOWLING ALLEY POINT",2340,"NSW",1,0,2,2340]
["CALALA",2340,"NSW",1,0,2,2340]
["CARROLL",2340,"NSW",1,0,2,2340]
["DARUKA",2340,"NSW",1,0,2,2340]
["DUNCANS CREEK",2340,"NSW",1,0,2,2340]
["DUNGOWAN",2340,"NSW",1,0,2,2340]
["EAST TAMWORTH",2340,"NSW",1,0,2,2340]
["GAROO",2340,"NSW",1,0,2,2340]
["GIDLEY",2340,"NSW",1,0,2,2340]
["GOONOO GOONOO",2340,"NSW",1,0,2,2340]
["GOWRIE",2340,"NSW",1,0,2,2340]
["HALLSVILLE",2340,"NSW",1,0,2,2340]
["HANGING ROCK",2340,"NSW",1,0,2,2340]
["HILLVUE",2340,"NSW",1,0,2,2340]
["KEEPIT",2340,"NSW",1,0,2,2340]
["KINGSWOOD",2340,"NSW",1,0,2,2340]
["LOOMBERAH",2340,"NSW",{"$f":"MAX(F1539-1,1)","v":1},0,2,2340]
["MOORE CREEK",2340,"NSW",1,0,2,2340]
["NEMINGHA",2340,"NSW",1,0,2,2340]
["NORTH TAMWORTH",2340,"NSW",1,0,2,2340]
["NUNDLE",2340,"NSW",1,0,2,2340]
["OGUNBIL",2340,"NSW",1,0,2,2340]
["OXLEY VALE",2340,"NSW",1,0,2,2340]
["PIALLAMORE",2340,"NSW",1,0,2,2340]
["SOMERTON",2340,"NSW",1,0,2,2340]
["SOUTH TAMWORTH",2340,"NSW",1,0,2,2340]
["TAMINDA",2340,"NSW",1,0,2,2340]
["TAMWORTH",2340,"NSW",1,0,2,2340]
["TIMBUMBURI",2340,"NSW",1,0,2,2340]
["WALLAMORE",2340,"NSW",1,0,2,2340]
["WARRAL",2340,"NSW",1,0,2,2340]
["WEABONGA",2340,"NSW",1,0,2,2340]
["WEST TAMWORTH",2340,"NSW",1,0,2,2340]
["WESTDALE",2340,"NSW",1,0,2,2340]
["WOOLOMIN",2340,"NSW",1,0,2,2340]
["WERRIS CREEK",2341,"NSW",1,0,2,2341]
["CURRABUBULA",2342,"NSW",1,0,2,2342]
["PIALLAWAY",2342,"NSW",1,0,2,2342]
["BLACKVILLE",2343,"NSW",1,0,2,2343]
["BORAMBIL",2343,"NSW",1,0,2,2343]
["BUNDELLA",2343,"NSW",1,0,2,2343]
["CAROONA",2343,"NSW",1,0,2,2343]
["COLLY BLUE",2343,"NSW",1,0,2,2343]
["COOMOO COOMOO",2343,"NSW",1,0,2,2343]
["PINE RIDGE",2343,"NSW",1,0,2,2343]
["QUIPOLLY",2343,"NSW",1,0,2,2343]
["QUIRINDI",2343,"NSW",1,0,2,2343]
["SPRING RIDGE",2343,"NSW",1,0,2,2343]
["WALLABADAH",2343,"NSW",1,0,2,2343]
["WARRAH RIDGE",2343,"NSW",1,0,2,2343]
["WINDY",2343,"NSW",1,0,2,2343]
["YANNERGEE",2343,"NSW",1,0,2,2343]
["YARRAMAN",2343,"NSW",1,0,2,2343]
["DURI",2344,"NSW",1,0,2,2344]
["WINTON",2344,"NSW",1,0,2,2344]
["ATTUNGA",2345,"NSW",1,0,2,2345]
["GARTHOWEN",2345,"NSW",1,0,2,2345]
["BORAH CREEK",2346,"NSW",1,0,2,2346]
["HALLS CREEK",2346,"NSW",1,0,2,2346]
["KLORI",2346,"NSW",1,0,2,2346]
["MANILLA",2346,"NSW",1,0,2,2346]
["NAMOI RIVER",2346,"NSW",1,0,2,2346]
["NEW MEXICO",2346,"NSW",1,0,2,2346]
["RUSHES CREEK",2346,"NSW",1,0,2,2346]
["UPPER MANILLA",2346,"NSW",1,0,2,2346]
["WARRABAH",2346,"NSW",1,0,2,2346]
["WIMBORNE",2346,"NSW",1,0,2,2346]
["WONGO CREEK",2346,"NSW",1,0,2,2346]
["BANOON",2347,"NSW",1,0,2,2347]
["BARRABA",2347,"NSW",1,0,2,2347]
["COBBADAH",2347,"NSW",1,0,2,2347]
["GULF CREEK",2347,"NSW",1,0,2,2347]
["GUNDAMULDA",2347,"NSW",1,0,2,2347]
["IRONBARK",2347,"NSW",1,0,2,2347]
["LINDESAY",2347,"NSW",1,0,2,2347]
["LONGARM",2347,"NSW",1,0,2,2347]
["MAYVALE",2347,"NSW",1,0,2,2347]
["RED HILL",2347,"NSW",1,0,2,2347]
["THIRLOENE",2347,"NSW",1,0,2,2347]
["UPPER HORTON",2347,"NSW",1,0,2,2347]
["WOODSREEF",2347,"NSW",{"$f":"MAX(F1603-1,1)","v":1},0,2,2347]
["ABERFOYLE",2350,"NSW",1,0,2,2350]
["ABINGTON",2350,"NSW",1,0,2,2350]
["ARGYLE",2350,"NSW",1,0,2,2350]
["ARMIDALE",2350,"NSW",1,0,2,2350]
["BOOROLONG",2350,"NSW",1,0,2,2350]
["CASTLE DOYLE",2350,"NSW",1,0,2,2350]
["DANGARSLEIGH",2350,"NSW",1,0,2,2350]
["DONALD CREEK",2350,"NSW",1,0,2,2350]
["DUMARESQ",2350,"NSW",1,0,2,2350]
["DUVAL",2350,"NSW",1,0,2,2350]
["ENMORE",2350,"NSW",1,0,2,2350]
["HILLGROVE",2350,"NSW",1,0,2,2350]
["INVERGOWRIE",2350,"NSW",1,0,2,2350]
["JEOGLA",2350,"NSW",1,0,2,2350]
["KELLYS PLAINS",2350,"NSW",1,0,2,2350]
["LYNDHURST",2350,"NSW",1,0,2,2350]
["PUDDLEDOCK",2350,"NSW",1,0,2,2350]
["SAUMAREZ",2350,"NSW",1,0,2,2350]
["SAUMAREZ PONDS",2350,"NSW",1,0,2,2350]
["THALGARRAH",2350,"NSW",1,0,2,2350]
["TILBUSTER",2350,"NSW",1,0,2,2350]
["WARDS MISTAKE",2350,"NSW",1,0,2,2350]
["WOLLOMOMBI",2350,"NSW",1,0,2,2350]
["WONGWIBINDA",2350,"NSW",1,0,2,2350]
["UNIVERSITY OF NEW ENGLAND",2351,"NSW",1,0,2,2351]
["KOOTINGAL",2352,"NSW",1,0,2,2352]
["LIMBRI",2352,"NSW",1,0,2,2352]
["MULLA CREEK",2352,"NSW",1,0,2,2352]
["TINTINHULL",2352,"NSW",1,0,2,2352]
["MOONBI",2353,"NSW",1,0,2,2353]
["KENTUCKY",2354,"NSW",1,0,2,2354]
["KENTUCKY SOUTH",2354,"NSW",1,0,2,2354]
["NIANGALA",2354,"NSW",1,0,2,2354]
["NOWENDOC",2354,"NSW",1,0,2,2354]
["WALCHA",2354,"NSW",1,0,2,2354]
["WALCHA ROAD",2354,"NSW",1,0,2,2354]
["WOLLUN",2354,"NSW",1,0,2,2354]
["WOOLBROOK",2354,"NSW",1,0,2,2354]
["YARROWITCH",2354,"NSW",1,0,2,2354]
["BENDEMEER",2355,"NSW",1,0,2,2355]
["RETREAT",2355,"NSW",1,0,2,2355]
["WATSONS CREEK",2355,"NSW",1,0,2,2355]
["GWABEGAR",2356,"NSW",2,0,3,2356]
["BOMERA",2357,"NSW",1,0,2,2357]
["BOX RIDGE",2357,"NSW",1,0,2,2357]
["BUGALDIE",2357,"NSW",1,0,2,2357]
["COONABARABRAN",2357,"NSW",1,0,2,2357]
["DANDRY",2357,"NSW",1,0,2,2357]
["GOWANG",2357,"NSW",1,0,2,2357]
["PURLEWAUGH",2357,"NSW",1,0,2,2357]
["ROCKY GLEN",2357,"NSW",1,0,2,2357]
["TANNABAR",2357,"NSW",1,0,2,2357]
["ULAMAMBRI",2357,"NSW",1,0,2,2357]
["ARDING",2358,"NSW",1,0,2,2358]
["BALALA",2358,"NSW",1,0,2,2358]
["GOSTWYCK",2358,"NSW",1,0,2,2358]
["KINGSTOWN",2358,"NSW",1,0,2,2358]
["MIHI",2358,"NSW",1,0,2,2358]
["ROCKY RIVER",2358,"NSW",1,0,2,2358]
["SALISBURY PLAINS",2358,"NSW",1,0,2,2358]
["TORRYBURN",2358,"NSW",1,0,2,2358]
["URALLA",2358,"NSW",1,0,2,2358]
["YARROWYCK",2358,"NSW",1,0,2,2358]
["ABERDEEN",2359,"NSW",{"$f":"MAX(F1667-1,1)","v":2},0,3,2359]
["BAKERS CREEK",2359,"NSW",2,0,3,2359]
["BUNDARRA",2359,"NSW",2,0,3,2359]
["CAMERONS CREEK",2359,"NSW",2,0,3,2359]
["AUBURN VALE",2360,"NSW",2,0,3,2360]
["BRODIES PLAINS",2360,"NSW",2,0,3,2360]
["BUKKULLA",2360,"NSW",2,0,3,2360]
["CHERRY TREE HILL",2360,"NSW",2,0,3,2360]
["COPETON",2360,"NSW",2,0,3,2360]
["ELSMORE",2360,"NSW",2,0,3,2360]
["GILGAI",2360,"NSW",2,0,3,2360]
["GRAMAN",2360,"NSW",2,0,3,2360]
["GUM FLAT",2360,"NSW",2,0,3,2360]
["HOWELL",2360,"NSW",2,0,3,2360]
["INVERELL",2360,"NSW",2,0,3,2360]
["KINGS PLAINS",2360,"NSW",2,0,3,2360]
["LITTLE PLAIN",2360,"NSW",2,0,3,2360]
["LONG PLAIN",2360,"NSW",2,0,3,2360]
["MOUNT RUSSELL",2360,"NSW",2,0,3,2360]
["NEWSTEAD",2360,"NSW",2,0,3,2360]
["NULLAMANNA",2360,"NSW",2,0,3,2360]
["OAKWOOD",2360,"NSW",2,0,3,2360]
["PARADISE",2360,"NSW",2,0,3,2360]
["ROB ROY",2360,"NSW",2,0,3,2360]
["SAPPHIRE",2360,"NSW",2,0,3,2360]
["SPRING MOUNTAIN",2360,"NSW",2,0,3,2360]
["STANBOROUGH",2360,"NSW",2,0,3,2360]
["SWANBROOK",2360,"NSW",2,0,3,2360]
["WALLANGRA",2360,"NSW",2,0,3,2360]
["WANDERA",2360,"NSW",2,0,3,2360]
["WOODSTOCK",2360,"NSW",2,0,3,2360]
["ASHFORD",2361,"NSW",2,0,3,2361]
["ATHOLWOOD",2361,"NSW",2,0,3,2361]
["BONSHAW",2361,"NSW",2,0,3,2361]
["LIMESTONE",2361,"NSW",2,0,3,2361]
["PINDAROI",2361,"NSW",2,0,3,2361]
["BACKWATER",2365,"NSW",1,0,2,2365]
["BALD BLAIR",2365,"NSW",1,0,2,2365]
["BALDERSLEIGH",2365,"NSW",1,0,2,2365]
["BASSENDEAN",2365,"NSW",1,0,2,2365]
["BEN LOMOND",2365,"NSW",1,0,2,2365]
["BLACK MOUNTAIN",2365,"NSW",1,0,2,2365]
["BRIARBROOK",2365,"NSW",1,0,2,2365]
["BROCKLEY",2365,"NSW",1,0,2,2365]
["BRUSHY CREEK",2365,"NSW",1,0,2,2365]
["FALCONER",2365,"NSW",1,0,2,2365]
["GEORGES CREEK",2365,"NSW",1,0,2,2365]
["GLEN NEVIS",2365,"NSW",1,0,2,2365]
["GLENCOE",2365,"NSW",1,0,2,2365]
["GREEN HILLS",2365,"NSW",1,0,2,2365]
["GUYRA",2365,"NSW",1,0,2,2365]
["LLANGOTHLIN",2365,"NSW",1,0,2,2365]
["MAYBOLE",2365,"NSW",1,0,2,2365]
["MOUNT MITCHELL",2365,"NSW",1,0,2,2365]
["NEW VALLEY",2365,"NSW",1,0,2,2365]
["OBAN",2365,"NSW",1,0,2,2365]
["SOUTH GUYRA",2365,"NSW",1,0,2,2365]
["TENTERDEN",2365,"NSW",1,0,2,2365]
["THE BASIN",2365,"NSW",1,0,2,2365]
["THE GULF",2365,"NSW",1,0,2,2365]
["TUBBAMURRA",2365,"NSW",1,0,2,2365]
["WANDSWORTH",2365,"NSW",1,0,2,2365]
["OLD MILL",2369,"NSW",2,0,3,2369]
["STANNIFER",2369,"NSW",2,0,3,2369]
["TINGHA",2369,"NSW",{"$f":"MAX(F1731-1,1)","v":2},0,3,2369]
["BALD NOB",2370,"NSW",2,0,3,2370]
["DIEHARD",2370,"NSW",2,0,3,2370]
["DUNDEE",2370,"NSW",2,0,3,2370]
["FURRACABAD",2370,"NSW",2,0,3,2370]
["GIBRALTAR RANGE",2370,"NSW",2,0,3,2370]
["GLEN ELGIN",2370,"NSW",2,0,3,2370]
["GLEN INNES",2370,"NSW",2,0,3,2370]
["KINGSGATE",2370,"NSW",2,0,3,2370]
["KOOKABOOKRA",2370,"NSW",2,0,3,2370]
["LAMBS VALLEY",2370,"NSW",2,0,3,2370]
["MATHESON",2370,"NSW",2,0,3,2370]
["MOGGS SWAMP",2370,"NSW",2,0,3,2370]
["MOOGEM",2370,"NSW",2,0,3,2370]
["MORVEN",2370,"NSW",2,0,3,2370]
["NEWTON BOYD",2370,"NSW",2,0,3,2370]
["PINKETT",2370,"NSW",2,0,3,2370]
["RANGERS VALLEY",2370,"NSW",2,0,3,2370]
["RED RANGE",2370,"NSW",2,0,3,2370]
["REDDESTONE",2370,"NSW",2,0,3,2370]
["SHANNON VALE",2370,"NSW",2,0,3,2370]
["STONEHENGE",2370,"NSW",2,0,3,2370]
["SWAN VALE",2370,"NSW",2,0,3,2370]
["WELLINGROVE",2370,"NSW",2,0,3,2370]
["YARROWFORD",2370,"NSW",2,0,3,2370]
["CAPOOMPETA",2371,"NSW",2,0,3,2371]
["DEEPWATER",2371,"NSW",2,0,3,2371]
["EMMAVILLE",2371,"NSW",2,0,3,2371]
["ROCKY CREEK",2371,"NSW",2,0,3,2371]
["STANNUM",2371,"NSW",2,0,3,2371]
["TENT HILL",2371,"NSW",2,0,3,2371]
["THE GULF",2371,"NSW",2,0,3,2371]
["TORRINGTON",2371,"NSW",2,0,3,2371]
["WELLINGTON VALE",2371,"NSW",2,0,3,2371]
["YELLOW DAM",2371,"NSW",2,0,3,2371]
["BACK CREEK",2372,"NSW",2,0,3,2372]
["BLACK SWAMP",2372,"NSW",2,0,3,2372]
["BLUFF ROCK",2372,"NSW",2,0,3,2372]
["BOLIVIA",2372,"NSW",2,0,3,2372]
["BOONOO BOONOO",2372,"NSW",2,0,3,2372]
["BRYANS GAP",2372,"NSW",2,0,3,2372]
["BUNGULLA",2372,"NSW",2,0,3,2372]
["CARROLLS CREEK",2372,"NSW",2,0,3,2372]
["CULLENDORE",2372,"NSW",2,0,3,2372]
["FOREST LAND",2372,"NSW",2,0,3,2372]
["HOMESTEAD",2372,"NSW",2,0,3,2372]
["JENNINGS",2372,"NSW",2,0,3,2372]
["LEECHS GULLY",2372,"NSW",2,0,3,2372]
["LISTON",2372,"NSW",2,0,3,2372]
["MOLE RIVER",2372,"NSW",2,0,3,2372]
["MOUNT MACKENZIE",2372,"NSW",2,0,3,2372]
["RIVERTREE",2372,"NSW",2,0,3,2372]
["ROCKY RIVER",2372,"NSW",2,0,3,2372]
["SANDY FLAT",2372,"NSW",2,0,3,2372]
["SANDY HILL",2372,"NSW",2,0,3,2372]
["SILENT GROVE",2372,"NSW",2,0,3,2372]
["STEINBROOK",2372,"NSW",2,0,3,2372]
["SUNNYSIDE",2372,"NSW",2,0,3,2372]
["TARBAN",2372,"NSW",2,0,3,2372]
["TENTERFIELD",2372,"NSW",2,0,3,2372]
["THE SCRUB",2372,"NSW",2,0,3,2372]
["TIMBARRA",2372,"NSW",2,0,3,2372]
["WILLSONS DOWNFALL",2372,"NSW",2,0,3,2372]
["WOODSIDE",2372,"NSW",2,0,3,2372]
["WYLIE CREEK",2372,"NSW",{"$f":"MAX(F1795-1,1)","v":2},0,3,2372]
["GOOLHI",2379,"NSW",1,0,2,2379]
["MULLALEY",2379,"NSW",1,0,2,2379]
["NAPIER LANE",2379,"NSW",1,0,2,2379]
["NOMBI",2379,"NSW",1,0,2,2379]
["BLUE VALE",2380,"NSW",1,0,2,2380]
["EMERALD HILL",2380,"NSW",1,0,2,2380]
["GHOOLENDAADI",2380,"NSW",1,0,2,2380]
["GUNNEDAH",2380,"NSW",1,0,2,2380]
["KELVIN",2380,"NSW",1,0,2,2380]
["MARYS MOUNT",2380,"NSW",1,0,2,2380]
["MILROY",2380,"NSW",1,0,2,2380]
["ORANGE GROVE",2380,"NSW",1,0,2,2380]
["RANGARI",2380,"NSW",1,0,2,2380]
["BREEZA",2381,"NSW",1,0,2,2381]
["CURLEWIS",2381,"NSW",1,0,2,2381]
["PREMER",2381,"NSW",1,0,2,2381]
["TAMBAR SPRINGS",2381,"NSW",1,0,2,2381]
["BOGGABRI",2382,"NSW",1,0,2,2382]
["MAULES CREEK",2382,"NSW",1,0,2,2382]
["WEAN",2382,"NSW",1,0,2,2382]
["WILLALA",2382,"NSW",1,0,2,2382]
["BURREN JUNCTION",2386,"NSW",2,0,3,2386]
["DRILDOOL",2386,"NSW",2,0,3,2386]
["NOWLEY",2386,"NSW",2,0,3,2386]
["BULYEROI",2387,"NSW",2,0,3,2387]
["ROWENA",2387,"NSW",2,0,3,2387]
["BOOLCARROLL",2388,"NSW",2,0,3,2388]
["CUTTABRI",2388,"NSW",2,0,3,2388]
["JEWS LAGOON",2388,"NSW",2,0,3,2388]
["MERAH NORTH",2388,"NSW",2,0,3,2388]
["PILLIGA",2388,"NSW",2,0,3,2388]
["SPRING PLAINS",2388,"NSW",2,0,3,2388]
["THE PILLIGA",2388,"NSW",2,0,3,2388]
["WEE WAA",2388,"NSW",2,0,3,2388]
["YARRIE LAKE",2388,"NSW",2,0,3,2388]
["BAAN BAA",2390,"NSW",2,0,3,2390]
["BACK CREEK",2390,"NSW",2,0,3,2390]
["BERRIGAL",2390,"NSW",2,0,3,2390]
["BOHENA CREEK",2390,"NSW",2,0,3,2390]
["BULLAWA CREEK",2390,"NSW",2,0,3,2390]
["COURADDA",2390,"NSW",2,0,3,2390]
["EDGEROI",2390,"NSW",2,0,3,2390]
["EULAH CREEK",2390,"NSW",2,0,3,2390]
["HARPARARY",2390,"NSW",2,0,3,2390]
["JACKS CREEK",2390,"NSW",2,0,3,2390]
["KAPUTAR",2390,"NSW",2,0,3,2390]
["NARRABRI",2390,"NSW",2,0,3,2390]
["ROCKY CREEK",2390,"NSW",2,0,3,2390]
["TARRIARO",2390,"NSW",2,0,3,2390]
["TURRAWAN",2390,"NSW",2,0,3,2390]
["BINNAWAY",2395,"NSW",1,0,2,2395]
["ROPERS ROAD",2395,"NSW",1,0,2,2395]
["WEETALIBA",2395,"NSW",1,0,2,2395]
["BARADINE",2396,"NSW",1,0,2,2396]
["BARWON",2396,"NSW",1,0,2,2396]
["GOORIANAWA",2396,"NSW",1,0,2,2396]
["KENEBRI",2396,"NSW",1,0,2,2396]
["BELLATA",2397,"NSW",2,0,3,2397]
["MILLIE",2397,"NSW",2,0,3,2397]
["THALABA",2397,"NSW",2,0,3,2397]
["GURLEY",2398,"NSW",2,0,3,2398]
["BINIGUY",2399,"NSW",2,0,3,2399]
["PALLAMALLAWA",2399,"NSW",2,0,3,2399]
["ASHLEY",2400,"NSW",{"$f":"MAX(F1859-1,1)","v":2},0,3,2400]
["BULLARAH",2400,"NSW",2,0,3,2400]
["CROOBLE",2400,"NSW",2,0,3,2400]
["MALLOWA",2400,"NSW",2,0,3,2400]
["MOREE",2400,"NSW",2,0,3,2400]
["MOREE EAST PO BOXES",2400,"NSW",2,0,3,2400]
["TERRY HIE HIE",2400,"NSW",2,0,3,2400]
["TULLOONA",2400,"NSW",2,0,3,2400]
["GRAVESEND",2401,"NSW",2,0,3,2401]
["BALFOURS PEAK",2402,"NSW",2,0,3,2402]
["COOLATAI",2402,"NSW",2,0,3,2402]
["WARIALDA",2402,"NSW",2,0,3,2402]
["WARIALDA RAIL",2402,"NSW",2,0,3,2402]
["DELUNGRA",2403,"NSW",2,0,3,2403]
["GRAGIN",2403,"NSW",2,0,3,2403]
["MYALL CREEK",2403,"NSW",2,0,3,2403]
["BANGHEET",2404,"NSW",2,0,3,2404]
["BINGARA",2404,"NSW",2,0,3,2404]
["DINOGA",2404,"NSW",2,0,3,2404]
["ELCOMBE",2404,"NSW",2,0,3,2404]
["GINEROI",2404,"NSW",2,0,3,2404]
["KEERA",2404,"NSW",2,0,3,2404]
["PALLAL",2404,"NSW",2,0,3,2404]
["RIVERVIEW",2404,"NSW",2,0,3,2404]
["UPPER BINGARA",2404,"NSW",2,0,3,2404]
["BOOMI",2405,"NSW",2,0,3,2405]
["GARAH",2405,"NSW",2,0,3,2405]
["MUNGINDI",2406,"NSW",2,0,3,2406]
["WEEMELAH",2406,"NSW",2,0,3,2406]
["MUNGLE",2408,"NSW",2,0,3,2408]
["NORTH STAR",2408,"NSW",2,0,3,2408]
["BOGGABILLA",2409,"NSW",2,0,3,2409]
["BOONAL",2409,"NSW",2,0,3,2409]
["BLUE NOBBY",2410,"NSW",2,0,3,2410]
["TWIN RIVERS",2410,"NSW",2,0,3,2410]
["YETMAN",2410,"NSW",2,0,3,2410]
["CROPPA CREEK",2411,"NSW",2,0,3,2411]
["YALLAROI",2411,"NSW",2,0,3,2411]
["MONKERAI",2415,"NSW",1,0,2,2415]
["NOOROO",2415,"NSW",1,0,2,2415]
["STROUD ROAD",2415,"NSW",1,0,2,2415]
["UPPER KARUAH RIVER",2415,"NSW",1,0,2,2415]
["WEISMANTELS",2415,"NSW",1,0,2,2415]
["ALISON",2420,"NSW",1,0,2,2420]
["BANDON GROVE",2420,"NSW",1,0,2,2420]
["BENDOLBA",2420,"NSW",1,0,2,2420]
["BROOKFIELD",2420,"NSW",1,0,2,2420]
["CAMBRA",2420,"NSW",1,0,2,2420]
["CHICHESTER",2420,"NSW",1,0,2,2420]
["DUNGOG",2420,"NSW",1,0,2,2420]
["FLAT TOPS",2420,"NSW",1,0,2,2420]
["FOSTERTON",2420,"NSW",1,0,2,2420]
["HANLEYS CREEK",2420,"NSW",1,0,2,2420]
["HILLDALE",2420,"NSW",1,0,2,2420]
["MAIN CREEK",2420,"NSW",1,0,2,2420]
["MARSHDALE",2420,"NSW",1,0,2,2420]
["MARTINS CREEK",2420,"NSW",1,0,2,2420]
["MUNNI",2420,"NSW",1,0,2,2420]
["SALISBURY",2420,"NSW",1,0,2,2420]
["STROUD HILL",2420,"NSW",1,0,2,2420]
["SUGARLOAF",2420,"NSW",1,0,2,2420]
["TABBIL CREEK",2420,"NSW",1,0,2,2420]
["UNDERBANK",2420,"NSW",1,0,2,2420]
["WALLARINGA",2420,"NSW",1,0,2,2420]
["WALLAROBBA",2420,"NSW",{"$f":"MAX(F1923-1,1)","v":1},0,2,2420]
["WIRRAGULLA",2420,"NSW",1,0,2,2420]
["FISHERS HILL",2421,"NSW",1,0,2,2421]
["SUMMER HILL",2421,"NSW",1,0,2,2421]
["TOCAL",2421,"NSW",1,0,2,2421]
["TORRYBURN",2421,"NSW",1,0,2,2421]
["VACY",2421,"NSW",1,0,2,2421]
["WEBBERS CREEK",2421,"NSW",1,0,2,2421]
["BACK CREEK",2422,"NSW",1,0,2,2422]
["BAKERS CREEK",2422,"NSW",1,0,2,2422]
["BARRINGTON",2422,"NSW",1,0,2,2422]
["BARRINGTON TOPS",2422,"NSW",1,0,2,2422]
["BELBORA",2422,"NSW",1,0,2,2422]
["BERRICO",2422,"NSW",1,0,2,2422]
["BINDERA",2422,"NSW",1,0,2,2422]
["BOWMAN",2422,"NSW",1,0,2,2422]
["BOWMAN FARM",2422,"NSW",1,0,2,2422]
["BRETTI",2422,"NSW",1,0,2,2422]
["BULLIAC",2422,"NSW",1,0,2,2422]
["BUNDOOK",2422,"NSW",1,0,2,2422]
["CALLAGHANS CREEK",2422,"NSW",1,0,2,2422]
["COBARK",2422,"NSW",1,0,2,2422]
["CONEAC",2422,"NSW",1,0,2,2422]
["COPELAND",2422,"NSW",1,0,2,2422]
["CRAVEN",2422,"NSW",1,0,2,2422]
["CRAVEN PLATEAU",2422,"NSW",1,0,2,2422]
["CURRICABARK",2422,"NSW",1,0,2,2422]
["DEWITT",2422,"NSW",1,0,2,2422]
["FAULKLAND",2422,"NSW",1,0,2,2422]
["FORBESDALE",2422,"NSW",1,0,2,2422]
["GANGAT",2422,"NSW",1,0,2,2422]
["GIRO",2422,"NSW",1,0,2,2422]
["GLEN WARD",2422,"NSW",1,0,2,2422]
["GLOUCESTER",2422,"NSW",1,0,2,2422]
["INVERGORDON",2422,"NSW",1,0,2,2422]
["KIA ORA",2422,"NSW",1,0,2,2422]
["MARES RUN",2422,"NSW",1,0,2,2422]
["MOGRANI",2422,"NSW",1,0,2,2422]
["MOPPY",2422,"NSW",1,0,2,2422]
["RAWDON VALE",2422,"NSW",1,0,2,2422]
["ROOKHURST",2422,"NSW",1,0,2,2422]
["STRATFORD",2422,"NSW",1,0,2,2422]
["TIBBUC",2422,"NSW",1,0,2,2422]
["TUGRABAKH",2422,"NSW",1,0,2,2422]
["UPPER BOWMAN",2422,"NSW",1,0,2,2422]
["WALLANBAH",2422,"NSW",1,0,2,2422]
["WARDS RIVER",2422,"NSW",1,0,2,2422]
["WAUKIVORY",2422,"NSW",1,0,2,2422]
["WOKO",2422,"NSW",1,0,2,2422]
["BOMBAH POINT",2423,"NSW",1,0,2,2423]
["BOOLAMBAYTE",2423,"NSW",1,0,2,2423]
["BULAHDELAH",2423,"NSW",1,0,2,2423]
["BUNGWAHL",2423,"NSW",1,0,2,2423]
["COOLONGOLOOK",2423,"NSW",1,0,2,2423]
["CRAWFORD RIVER",2423,"NSW",1,0,2,2423]
["MARKWELL",2423,"NSW",1,0,2,2423]
["MAYERS FLAT",2423,"NSW",1,0,2,2423]
["MUNGO BRUSH",2423,"NSW",1,0,2,2423]
["MYALL LAKE",2423,"NSW",1,0,2,2423]
["NERONG",2423,"NSW",1,0,2,2423]
["SEAL ROCKS",2423,"NSW",1,0,2,2423]
["TOPI TOPI",2423,"NSW",1,0,2,2423]
["UPPER MYALL",2423,"NSW",1,0,2,2423]
["VIOLET HILL",2423,"NSW",1,0,2,2423]
["WANG WAUK",2423,"NSW",{"$f":"MAX(F1987-1,1)","v":1},0,2,2423]
["WARRANULLA",2423,"NSW",1,0,2,2423]
["WILLINA",2423,"NSW",1,0,2,2423]
["WOOTTON",2423,"NSW",1,0,2,2423]
["YAGON",2423,"NSW",1,0,2,2423]
["CAFFREYS FLAT",2424,"NSW",1,0,2,2424]
["CELLS RIVER",2424,"NSW",1,0,2,2424]
["COOPLACURRIPA",2424,"NSW",1,0,2,2424]
["CUNDLE FLAT",2424,"NSW",1,0,2,2424]
["KNORRIT FLAT",2424,"NSW",1,0,2,2424]
["KNORRIT FOREST",2424,"NSW",1,0,2,2424]
["MOUNT GEORGE",2424,"NSW",1,0,2,2424]
["NUMBER ONE",2424,"NSW",1,0,2,2424]
["TIRI",2424,"NSW",1,0,2,2424]
["STROUD",2425,"NSW",1,0,2,2425]
["MOTO",2426,"NSW",1,0,2,2426]
["CHARLOTTE BAY",2428,"NSW",1,0,2,2428]
["GREEN POINT",2428,"NSW",1,0,2,2428]
["WALLIS LAKE",2428,"NSW",1,0,2,2428]
["BURRELL CREEK",2429,"NSW",1,0,2,2429]
["DOLLYS FLAT",2429,"NSW",1,0,2,2429]
["KHATAMBUHL",2429,"NSW",1,0,2,2429]
["KUNDIBAKH",2429,"NSW",1,0,2,2429]
["YARRATT FOREST",2429,"NSW",1,0,2,2429]
["CUNDLETOWN",2430,"NSW",1,0,2,2430]
["GLENTHORNE",2430,"NSW",1,0,2,2430]
["MITCHELLS ISLAND",2430,"NSW",1,0,2,2430]
["OXLEY ISLAND",2430,"NSW",1,0,2,2430]
["RED HEAD",2430,"NSW",1,0,2,2430]
["WALLABI POINT",2430,"NSW",1,0,2,2430]
["SWANS CROSSING",2439,"NSW",1,0,1,2439]
["BELLIMBOPINNI",2440,"NSW",1,0,2,2440]
["CARRAI",2440,"NSW",1,0,2,2440]
["GREENHILL",2440,"NSW",1,0,2,2440]
["LOWER CREEK",2440,"NSW",1,0,2,2440]
["POLA CREEK",2440,"NSW",1,0,2,2440]
["SMITHTOWN",2440,"NSW",1,0,2,2440]
["TEMAGOG",2440,"NSW",1,0,2,2440]
["BARRAGANYATTI",2441,"NSW",1,0,2,2441]
["EUNGAI RAIL",2441,"NSW",1,0,2,2441]
["GRASSY HEAD",2441,"NSW",1,0,2,2441]
["UPPER ROLLANDS PLAINS",2441,"NSW",1,0,2,2441]
["HERONS CREEK",2443,"NSW",1,0,2,2443]
["MOORLAND",2443,"NSW",1,0,2,2443]
["BLACKMANS POINT",2444,"NSW",1,0,1,2444]
["THE HATCH",2444,"NSW",1,0,1,2444]
["BONNY HILLS",2445,"NSW",1,0,1,2445]
["BYABARRA",2446,"NSW",1,0,1,2446]
["GEARYS FLAT",2446,"NSW",1,0,1,2446]
["HUNTINGDON",2446,"NSW",1,0,1,2446]
["MOUNT SEAVIEW",2446,"NSW",{"$f":"MAX(F2243-1,1)","v":1},0,1,2446]
["PEMBROOKE",2446,"NSW",1,0,1,2446]
["YARRAS",2446,"NSW",1,0,1,2446]
["MACKSVILLE",2447,"NSW",1,0,2,2447]
["SCOTTS HEAD",2447,"NSW",1,0,2,2447]
["YARRANBELLA",2447,"NSW",1,0,2,2447]
["GIRRALONG",2449,"NSW",1,0,2,2449]
["SOUTH ARM",2449,"NSW",1,0,2,2449]
["KARANGI",2450,"NSW",1,0,2,2450]
["MOONEE BEACH",2450,"NSW",1,0,2,2450]
["TOORMINA",2452,"NSW",{"$f":"MAX(F2307-1,1)","v":1},0,2,2452]
["CLOUDS CREEK",2453,"NSW",1,0,2,2453]
["MEGAN",2453,"NSW",1,0,2,2453]
["BRIERFIELD",2454,"NSW",1,0,2,2454]
["SPICKETTS CREEK",2454,"NSW",1,0,2,2454]
["URUNGA",2455,"NSW",1,0,2,2455]
["WOOLGOOLGA",2456,"NSW",1,0,2,2456]
["ALUMY CREEK",2460,"NSW",1,0,2,2460]
["BRUSHGROVE",2460,"NSW",1,0,2,2460]
["CLARENZA",2460,"NSW",1,0,2,2460]
["COLLUM COLLUM",2460,"NSW",{"$f":"MAX(F2371-1,1)","v":1},0,2,2460]
["EATONSVILLE",2460,"NSW",1,0,2,2460]
["ELLAND",2460,"NSW",1,0,2,2460]
["HEIFER STATION",2460,"NSW",1,0,2,2460]
["LILYDALE",2460,"NSW",1,0,2,2460]
["LIONSVILLE",2460,"NSW",1,0,2,2460]
["RUSHFORTH",2460,"NSW",1,0,2,2460]
["STOCKYARD CREEK",2460,"NSW",1,0,2,2460]
["THE PINNACLES",2460,"NSW",1,0,2,2460]
["WELLS CROSSING",2460,"NSW",1,0,2,2460]
["LAKE HIAWATHA",2462,"NSW",1,0,2,2462]
["PILLAR VALLEY",2462,"NSW",1,0,2,2462]
["ASHBY",2463,"NSW",1,0,2,2463]
["SHARK CREEK",2463,"NSW",1,0,2,2463]
["TULLYMORGAN",2463,"NSW",1,0,2,2463]
["HARWOOD",2465,"NSW",1,0,2,2465]
["BANYABBA",2469,"NSW",1,0,2,2469]
["BULLDOG",2469,"NSW",1,0,2,2469]
["DRAKE VILLAGE",2469,"NSW",1,0,2,2469]
["GOODWOOD ISLAND",2469,"NSW",1,0,2,2469]
["LOUISA CREEK",2469,"NSW",1,0,2,2469]
["LOWER PEACOCK",2469,"NSW",1,0,2,2469]
["PRETTY GULLY",2469,"NSW",1,0,2,2469]
["TABULAM",2469,"NSW",1,0,2,2469]
["WARREGAH ISLAND",2469,"NSW",1,0,2,2469]
["DYRAABA",2470,"NSW",1,0,2,2470]
["MONGOGARIE",2470,"NSW",1,0,2,2470]
["SPRING GROVE",2470,"NSW",1,0,2,2470]
["WOOROOWOOLGAN",2470,"NSW",1,0,2,2470]
["CORAKI",2471,"NSW",1,0,2,2471]
["KILGIN",2472,"NSW",1,0,2,2472]
["TRUSTUMS HILL",2472,"NSW",1,0,2,2472]
["SOUTH EVANS HEAD",2473,"NSW",1,0,2,2473]
["DAIRY FLAT",2474,"NSW",1,0,2,2474]
["GHINNI GHI",2474,"NSW",1,0,2,2474]
["HORSE STATION CREEK",2474,"NSW",1,0,2,2474]
["LOADSTONE",2474,"NSW",1,0,2,2474]
["RUKENVALE",2474,"NSW",1,0,2,2474]
["UPPER EDEN CREEK",2474,"NSW",1,0,2,2474]
["TOOLOOM",2475,"NSW",2,0,3,2475]
["KOREELAH",2476,"NSW",2,0,3,2476]
["WOODENBONG",2476,"NSW",2,0,3,2476]
["EAST WARDELL",2477,"NSW",1,1,2,2477]
["URALBA",2477,"NSW",1,1,2,2477]
["EMPIRE VALE",2478,"NSW",1,1,2,2478]
["PIMLICO ISLAND",2478,"NSW",1,1,2,2478]
["BROOKLET",2479,"NSW",1,1,2,2479]
["KNOCKROW",2479,"NSW",1,1,2,2479]
["BLAKEBROOK",2480,"NSW",1,0,2,2480]
["CANIABA",2480,"NSW",1,0,2,2480]
["CORNDALE",2480,"NSW",1,0,2,2480]
["FERNSIDE",2480,"NSW",1,0,2,2480]
["GOONELLABAH",2480,"NSW",1,0,2,2480]
["LEYCESTER",2480,"NSW",1,0,2,2480]
["MCKEES HILL",2480,"NSW",1,0,2,2480]
["MOUNTAIN TOP",2480,"NSW",1,0,2,2480]
["ROSEBANK",2480,"NSW",1,0,2,2480]
["TUNCESTER",2480,"NSW",1,0,2,2480]
["TUNTABLE CREEK",2480,"NSW",1,0,2,2480]
["SKINNERS SHOOT",2481,"NSW",1,1,2,2481]
["MULLUMBIMBY CREEK",2482,"NSW",1,0,2,2482]
["PALMWOODS",2482,"NSW",1,0,2,2482]
["MOOBALL",2483,"NSW",1,0,2,2483]
["YELGUN",2483,"NSW",1,0,2,2483]
["BRAY PARK",2484,"NSW",1,0,2,2484]
["CUDGERA CREEK",2484,"NSW",1,0,2,2484]
["EVIRON",2484,"NSW",1,0,2,2484]
["FARRANTS HILL",2484,"NSW",1,0,2,2484]
["MURWILLUMBAH",2484,"NSW",1,0,2,2484]
["NOBBYS CREEK",2484,"NSW",1,0,2,2484]
["SOUTH MURWILLUMBAH",2484,"NSW",1,0,2,2484]
["UKI",2484,"NSW",1,0,2,2484]
["BILAMBIL",2486,"NSW",1,1,2,2486]
["COBAKI LAKES",2486,"NSW",1,1,2,2486]
["CHINDERAH",2487,"NSW",1,1,2,2487]
["KINGS FOREST",2487,"NSW",1,1,2,2487]
["POTTSVILLE BEACH",2489,"NSW",1,1,2,2489]
["MOUNT SAINT THOMAS",2500,"NSW",{"$f":"MAX(F2883-1,1)","v":1},1,2,2500]
["CRINGILA",2502,"NSW",1,1,2,2502]
["DARKES FOREST",2508,"NSW",1,0,2,2508]
["WORONORA DAM",2508,"NSW",1,0,2,2508]
["SCARBOROUGH",2515,"NSW",1,1,2,2515]
["CORRIMAL",2518,"NSW",1,1,2,2518]
["FAIRY MEADOW",2519,"NSW",1,1,2,2519]
["DOMBARTON",2526,"NSW",1,1,2,2526]
["ALBION PARK RAIL",2527,"NSW",1,1,2,2527]
["TONGARRA",2527,"NSW",1,1,2,2527]
["WINDANG",2528,"NSW",{"$f":"MAX(F2947-1,1)","v":1},1,2,2528]
["SHELL COVE",2529,"NSW",1,1,2,2529]
["HUNTLEY",2530,"NSW",1,1,2,2530]
["BOMBO",2533,"NSW",1,1,2,2533]
["KIAMA DOWNS",2533,"NSW",1,1,2,2533]
["ROSE VALLEY",2534,"NSW",1,0,2,2534]
["BROGERS CREEK",2535,"NSW",1,0,2,2535]
["BUNDEWALLAH",2535,"NSW",1,0,2,2535]
["BATEHAVEN",2536,"NSW",1,0,1,2536]
["EAST LYNNE",2536,"NSW",1,0,1,2536]
["JEREMADRA",2536,"NSW",{"$f":"MAX(F3011-1,1)","v":1},0,1,2536]
["PEBBLY BEACH",2536,"NSW",1,0,1,2536]
["SURF BEACH",2536,"NSW",1,0,1,2536]
["CONGO",2537,"NSW",1,0,1,2537]
["MORUYA",2537,"NSW",1,0,1,2537]
["WAMBAN",2537,"NSW",1,0,1,2537]
["WOODSTOCK",2538,"NSW",1,0,2,2538]
["FISHERMANS PARADISE",2539,"NSW",1,0,2,2539]
["KINGS POINT",2539,"NSW",1,0,2,2539]
["ULLADULLA",2539,"NSW",{"$f":"MAX(F3075-1,1)","v":1},0,2,2539]
["BERRARA",2540,"NSW",1,0,2,2540]
["BEWONG",2540,"NSW",1,0,2,2540]
["CAMBEWARRA VILLAGE",2540,"NSW",1,0,2,2540]
["FALLS CREEK",2540,"NSW",1,0,2,2540]
["HYAMS BEACH",2540,"NSW",1,0,2,2540]
["MEROO MEADOW",2540,"NSW",1,0,2,2540]
["ORIENT POINT",2540,"NSW",1,0,2,2540]
["SWANHAVEN",2540,"NSW",1,0,2,2540]
["TWELVE MILE PEG",2540,"NSW",1,0,2,2540]
["WOOLLAMIA",2540,"NSW",{"$f":"MAX(F3139-1,1)","v":1},0,2,2540]
["BOMADERRY",2541,"NSW",1,0,2,2541]
["EUROBODALLA",2545,"NSW",1,0,1,2545]
["CENTRAL TILBA",2546,"NSW",1,0,1,2546]
["MYSTERY BAY",2546,"NSW",1,0,1,2546]
["WADBILLIGA",2546,"NSW",1,0,1,2546]
["MILLINGANDI",2549,"NSW",1,0,1,2549]
["ANGLEDALE",2550,"NSW",1,0,1,2550]
["BUCKAJO",2550,"NSW",1,0,1,2550]
["COOLAGOLITE",2550,"NSW",1,0,1,2550]
["FROGS HOLLOW",2550,"NSW",{"$f":"MAX(F3203-1,1)","v":1},0,1,2550]
["MUMBULLA MOUNTAIN",2550,"NSW",1,0,1,2550]
["NUMBUGGA",2550,"NSW",1,0,1,2550]
["TANJA",2550,"NSW",1,0,1,2550]
["VERONA",2550,"NSW",1,0,1,2550]
["WOLUMLA",2550,"NSW",1,0,1,2550]
["NADGEE",2551,"NSW",1,0,1,2551]
["TIMBILLICA",2551,"NSW",1,0,1,2551]
["CATHERINE FIELD",2557,"NSW",1,0,1,2557]
["APPIN",2560,"NSW",1,1,2,2560]
["KENTLYN",2560,"NSW",1,1,2,2560]
["RUSE",2560,"NSW",1,1,2,2560]
["LONG POINT",2564,"NSW",1,1,2,2564]
["BOW BOWING",2566,"NSW",1,1,2,2566]
["NARELLAN",2567,"NSW",1,1,2,2567]
["CAMDEN",2570,"NSW",1,1,2,2570]
["COBBITTY",2570,"NSW",1,1,2,2570]
["KIRKHAM",2570,"NSW",1,1,2,2570]
["COURIDJAH",2571,"NSW",1,1,2,2571]
["PICTON",2571,"NSW",1,1,2,2571]
["TAHMOOR",2573,"NSW",1,1,2,2573]
["BRAEMAR",2575,"NSW",1,0,1,2575]
["WATTLE RIDGE",2575,"NSW",1,0,1,2575]
["EAST KANGALOON",2576,"NSW",1,0,1,2576]
["AVOCA",2577,"NSW",1,0,1,2577]
["HANGING ROCK",2577,"NSW",1,0,1,2577]
["MERYLA",2577,"NSW",1,0,1,2577]
["MOUNT MURRAY",2577,"NSW",1,0,1,2577]
["WERAI",2577,"NSW",1,0,1,2577]
["BIG HILL",2579,"NSW",1,0,2,2579]
["BANNISTER",2580,"NSW",1,0,2,2580]
["GREENWICH PARK",2580,"NSW",1,0,2,2580]
["JERRONG",2580,"NSW",1,0,2,2580]
["PALING YARDS",2580,"NSW",1,0,2,2580]
["TIRRANNAVILLE",2580,"NSW",1,0,2,2580]
["TOWRANG",2580,"NSW",1,0,2,2580]
["BEVENDALE",2581,"NSW",1,0,2,2581]
["GURRUNDAH",2581,"NSW",1,0,2,2581]
["LAKE GEORGE",2581,"NSW",1,0,2,2581]
["BURRINJUCK",2582,"NSW",1,0,2,2582]
["MARCHMONT",2582,"NSW",1,0,2,2582]
["NARRANGULLEN",2582,"NSW",1,0,2,2582]
["FULLERTON",2583,"NSW",1,0,2,2583]
["KIALLA",2583,"NSW",1,0,2,2583]
["TUENA",2583,"NSW",1,0,2,2583]
["KENYU",2586,"NSW",1,0,2,2586]
["RYE PARK",2586,"NSW",1,0,2,2586]
["PRUNEVALE",2587,"NSW",1,0,2,2587]
["COOTAMUNDRA",2590,"NSW",1,0,1,2590]
["MEMAGONG",2594,"NSW",1,0,2,2594]
["CANBERRA",2600,"ACT",1,0,1,2600]
["PARKES",2600,"ACT",1,0,1,2600]
["CITY",2601,"ACT",1,0,1,2601]
["DOWNER",2602,"ACT",1,0,1,2602]
["RED HILL",2603,"ACT",1,0,1,2603]
["LYONS",2606,"ACT",1,0,2,2606]
["WODEN",2606,"ACT",1,0,2,2606]
["CIVIC SQUARE PO",2608,"ACT",{"$error":"#N/A"},0,{"$error":"#N/A"},2608]
["MOUNT STROMLO",2611,"ACT",1,0,1,2611]
["RIVETT",2611,"ACT",1,0,1,2611]
["CAMPBELL",2612,"ACT",1,0,1,2612]
["HAWKER",2614,"ACT",1,0,2,2614]
["FLOREY",2615,"ACT",1,0,2,2615]
["BRUCE",2617,"ACT",1,0,2,2617]
["MCKELLAR",2617,"ACT",1,0,2,2617]
["CLEAR RANGE",2620,"NSW",1,0,1,2620]
["MICHELAGO",2620,"NSW",1,0,1,2620]
["OAKS ESTATE",2620,"ACT",1,0,1,2620]
["TOP NAAS",2620,"ACT",1,0,1,2620]
["YARROW",2620,"NSW",1,0,1,2620]
["HOSKINSTOWN",2621,"NSW",1,0,1,2621]
["BUDAWANG",2622,"NSW",1,0,1,2622]
["HAROLDS CROSS",2622,"NSW",1,0,1,2622]
["JERRABATTGULLA",2622,"NSW",1,0,1,2622]
["LARBERT",2622,"NSW",1,0,1,2622]
["OALLEN",2622,"NSW",1,0,1,2622]
["SASSAFRAS",2622,"NSW",1,0,1,2622]
["TOLWONG",2622,"NSW",1,0,1,2622]
["PERISHER VALLEY",2624,"NSW",{"$error":"#N/A"},0,{"$error":"#N/A"},2624]
["CRACKENBACK",2627,"NSW",2,0,3,2627]
["BERRIDALE",2628,"NSW",2,0,3,2628]
["DALGETY",2628,"NSW",2,0,3,2628]
["NUMBLA VALE",2628,"NSW",2,0,3,2628]
["CABRAMURRA",2629,"NSW",2,0,3,2629]
["BUNGARBY",2630,"NSW",2,0,3,2630]
["BUNYAN",2630,"NSW",2,0,3,2630]
["DANGELONG",2630,"NSW",2,0,3,2630]
["MYALLA",2630,"NSW",2,0,3,2630]
["ROCK FLAT",2630,"NSW",2,0,3,2630]
["WAMBROOK",2630,"NSW",2,0,3,2630]
["KYBEYAN",2631,"NSW",2,0,3,2631]
["MOUNT COOPER",2631,"NSW",2,0,3,2631]
["CRAIGIE",2632,"NSW",2,0,3,2632]
["PADDYS FLAT",2632,"NSW",2,0,3,2632]
["DELEGATE",2633,"NSW",2,0,3,2633]
["MOORWATHA",2640,"NSW",1,0,2,2640]
["WEST ALBURY",2640,"NSW",1,0,2,2640]
["SPRINGDALE HEIGHTS",2641,"NSW",1,0,2,2641]
["INDI",2642,"NSW",1,0,1,2642]
["JINGELLIC",2642,"NSW",1,0,1,2642]
["YERONG CREEK",2642,"NSW",1,0,1,2642]
["MOUNTAIN CREEK",2644,"NSW",1,0,2,2644]
["CULLIVEL",2645,"NSW",2,0,3,2645]
["DAYSDALE",2646,"NSW",2,0,3,2646]
["NYORA",2646,"NSW",2,0,3,2646]
["ANABRANCH",2648,"NSW",2,0,3,2648]
["WENTWORTH",2648,"NSW",2,0,3,2648]
["BIG SPRINGS",2650,"NSW",1,0,1,2650]
["BURRANDANA",2650,"NSW",1,0,1,2650]
["COOKARDINIA",2650,"NSW",1,0,1,2650]
["GALORE",2650,"NSW",1,0,1,2650]
["LAKE ALBERT",2650,"NSW",1,0,1,2650]
["MOORONG",2650,"NSW",1,0,1,2650]
["SOUTH WAGGA WAGGA",2650,"NSW",1,0,1,2650]
["TOLLAND",2650,"NSW",1,0,1,2650]
["WAGGA WAGGA RAAF",2651,"NSW",1,0,1,2651]
["MARRAR",2652,"NSW",{"$f":"MAX(F3971-1,1)","v":2},0,3,2652]
["MURRULEBALE",2652,"NSW",2,0,3,2652]
["GLENROY",2653,"NSW",1,0,1,2653]
["WESTDALE",2653,"NSW",1,0,1,2653]
["THE ROCK",2655,"NSW",1,0,1,2655]
["URANGELINE EAST",2656,"NSW",1,0,1,2656]
["COWABBIE",2663,"NSW",1,0,1,2663]
["ERIN VALE",2663,"NSW",1,0,1,2663]
["ARIAH PARK",2665,"NSW",2,0,3,2665]
["DIRNASEER",2666,"NSW",1,0,1,2666]
["GROGAN",2666,"NSW",{"$f":"MAX(F4035-1,1)","v":1},0,1,2666]
["TRUNGLEY HALL",2666,"NSW",1,0,1,2666]
["NARADHAN",2669,"NSW",2,0,3,2669]
["RANKINS SPRINGS",2669,"NSW",2,0,3,2669]
["WYALONG",2671,"NSW",2,0,3,2671]
["CURLEW WATERS",2672,"NSW",2,0,3,2672]
["ROTO",2675,"NSW",2,0,3,2675]
["THARBOGANG",2680,"NSW",2,0,3,2680]
["BUNDURE",2700,"NSW",2,0,3,2700]
["GILLENBAH",2700,"NSW",2,0,3,2700]
["RANNOCK",2701,"NSW",1,0,1,2701]
["LEETON",2705,"NSW",2,0,3,2705]
["WAMOON",2705,"NSW",2,0,3,2705]
["BULLATALE",2710,"NSW",2,0,3,2710]
["MATHOURA",2710,"NSW",2,0,3,2710]
["STEAM PLAINS",2710,"NSW",2,0,3,2710]
["BOOLIGAL",2711,"NSW",2,0,3,2711]
["GUNBAR",2711,"NSW",2,0,3,2711]
["YANGA",2711,"NSW",2,0,3,2711]
["PINE LODGE",2714,"NSW",2,0,3,2714]
["HATFIELD",2715,"NSW",2,0,3,2715]
["DARETON",2717,"NSW",2,0,3,2717]
["BOMBOWLEE",2720,"NSW",1,0,1,2720]
["KILLIMICAT",2720,"NSW",1,0,1,2720]
["TUMORRAMA",2720,"NSW",1,0,1,2720]
["WINDOWIE",2720,"NSW",1,0,1,2720]
["BURRA CREEK",2722,"NSW",1,0,1,2722]
["MUTTAMA",2722,"NSW",1,0,1,2722]
["COOLAC",2727,"NSW",1,0,1,2727]
["ELLERSLIE",2729,"NSW",1,0,1,2729]
["SANDY GULLY",2729,"NSW",1,0,1,2729]
["GREEN HILLS",2730,"NSW",1,0,1,2730]
["THYRA",2731,"NSW",2,0,3,2731]
["NOORONG",2732,"NSW",2,0,3,2732]
["KYALITE",2734,"NSW",2,0,3,2734]
["WETUPPA",2734,"NSW",2,0,3,2734]
["MONAK",2738,"NSW",2,0,3,2738]
["MULGOA",2745,"NSW",1,1,2,2745]
["JORDAN SPRINGS",2747,"NSW",1,1,2,2747]
["CASTLEREAGH",2749,"NSW",1,1,2,2749]
["SOUTH PENRITH",2750,"NSW",1,1,2,2750]
["GROSE VALE",2753,"NSW",1,1,2,2753]
["CATTAI",2756,"NSW",1,1,2,2756]
["EBENEZER",2756,"NSW",1,1,2,2756]
["FREEMANS REACH",2756,"NSW",1,1,2,2756]
["PITT TOWN",2756,"NSW",1,1,2,2756]
["KURMOND",2757,"NSW",1,1,2,2757]
["KURRAJONG",2758,"NSW",1,1,2,2758]
["MOUNT TOMAH",2758,"NSW",1,1,2,2758]
["ST MARYS SOUTH PO",2760,"NSW",1,1,2,2760]
["PLUMPTON",2761,"NSW",1,1,2,2761]
["MARAYLYA",2765,"NSW",1,1,2,2765]
["VINEYARD",2765,"NSW",1,1,2,2765]
["BUNGARRIBEE",2767,"NSW",1,1,2,2767]
["LETHBRIDGE PARK",2770,"NSW",1,1,2,2770]
["WILLMOT",2770,"NSW",1,1,2,2770]
["CENTRAL MACDONALD",2775,"NSW",1,0,2,2775]
["LEETS VALE",2775,"NSW",1,0,2,2775]
["WISEMANS FERRY",2775,"NSW",1,0,2,2775]
["SUN VALLEY",2777,"NSW",1,1,2,2777]
["HAZELBROOK",2779,"NSW",1,1,2,2779]
["BELL",2786,"NSW",1,0,2,2786]
["MOUNT IRVINE",2786,"NSW",1,0,2,2786]
["JAUNTER",2787,"NSW",2,0,3,2787]
["MOZART",2787,"NSW",2,0,3,2787]
["TARANA",2787,"NSW",2,0,3,2787]
["DOCTORS GAP",2790,"NSW",1,0,2,2790]
["HAMPTON",2790,"NSW",1,0,2,2790]
["LITTLETON",2790,"NSW",1,0,2,2790]
["MOUNT LAMBIE",2790,"NSW",1,0,2,2790]
["SHEEDYS GULLY",2790,"NSW",1,0,2,2790]
["CARCOAR",2791,"NSW",1,0,2,2791]
["BUMBALDRY",2794,"NSW",2,0,3,2794]
["NOONBINNA",2794,"NSW",2,0,3,2794]
["BATHAMPTON",2795,"NSW",1,0,2,2795]
["BREWONGLE",2795,"NSW",1,0,2,2795]
["COW FLAT",2795,"NSW",1,0,2,2795]
["ESSINGTON",2795,"NSW",1,0,2,2795]
["FOSTERS VALLEY",2795,"NSW",1,0,2,2795]
["HOBBYS YARDS",2795,"NSW",1,0,2,2795]
["LLANARTH",2795,"NSW",1,0,2,2795]
["MILKERS FLAT",2795,"NSW",1,0,2,2795]
["ORTON PARK",2795,"NSW",1,0,2,2795]
["PALMERS OAKY",2795,"NSW",1,0,2,2795]
["SOFALA",2795,"NSW",1,0,2,2795]
["TRUNKEY CREEK",2795,"NSW",1,0,2,2795]
["UPPER TURON",2795,"NSW",1,0,2,2795]
["WINDRADYNE",2795,"NSW",1,0,2,2795]
["YARRAS",2795,"NSW",1,0,2,2795]
["GUYONG",2798,"NSW",1,0,2,2798]
["NEVILLE",2799,"NSW",1,0,2,2799]
["BLOOMFIELD",2800,"NSW",1,0,2,2800]
["EMU SWAMP",2800,"NSW",1,0,2,2800]
["MARCH",2800,"NSW",1,0,2,2800]
["NANGAR",2800,"NSW",1,0,2,2800]
["WINDERA",2800,"NSW",1,0,2,2800]
["GOOLOOGONG",2805,"NSW",2,0,3,2805]
["EUGOWRA",2806,"NSW",2,0,3,2806]
["PULLABOOKA",2810,"NSW",2,0,3,2810]
["FARNHAM",2820,"NSW",1,0,2,2820]
["MEDWAY",2820,"NSW",1,0,2,2820]
["SPICERS CREEK",2820,"NSW",1,0,2,2820]
["NARROMINE",2821,"NSW",1,0,2,2821]
["TRANGIE",2823,"NSW",1,0,2,2823]
["OXLEY",2824,"NSW",2,0,3,2824]
["SNAKES PLAIN",2824,"NSW",2,0,3,2824]
["FIVE WAYS",2825,"NSW",2,0,3,2825]
["BEARBONG",2827,"NSW",1,0,2,2827]
["GILGANDRA",2827,"NSW",1,0,2,2827]
["TONDERBURINE",2828,"NSW",2,0,3,2828]
["COONAMBLE",2829,"NSW",2,0,3,2829]
["BALLIMORE",2830,"NSW",1,0,2,2830]
["BUTLERS FALLS",2830,"NSW",1,0,2,2830]
["ESCHOL",2830,"NSW",1,0,2,2830]
["MOGRIGUY",2830,"NSW",1,0,2,2830]
["RAWSONVILLE",2830,"NSW",1,0,2,2830]
["CARINDA",2831,"NSW",2,0,3,2831]
["GIRILAMBONE",2831,"NSW",2,0,3,2831]
["MERRYGOEN",2831,"NSW",2,0,3,2831]
["QUAMBONE",2831,"NSW",2,0,3,2831]
["CUMBORAH",2832,"NSW",2,0,3,2832]
["CANBELEGO",2835,"NSW",2,0,3,2835]
["KERRIGUNDI",2835,"NSW",2,0,3,2835]
["TINDAREY",2835,"NSW",2,0,3,2835]
["NARRAN LAKE",2839,"NSW",2,0,3,2839]
["TILPA",2840,"NSW",2,0,3,2840]
["WATTLE SPRINGS",2842,"NSW",1,0,2,2842]
["DUNEDOO",2844,"NSW",1,0,2,2844]
["BOGEE",2849,"NSW",1,0,2,2849]
["CAMBOON",2849,"NSW",1,0,2,2849]
["DUNVILLE LOOP",2849,"NSW",1,0,2,2849]
["LEE CREEK",2849,"NSW",1,0,2,2849]
["PINNACLE SWAMP",2849,"NSW",1,0,2,2849]
["BARA",2850,"NSW",1,0,2,2850]
["BOMBIRA",2850,"NSW",1,0,2,2850]
["CARCALGONG",2850,"NSW",1,0,2,2850]
["CUDGEGONG",2850,"NSW",1,0,2,2850]
["GRATTAI",2850,"NSW",1,0,2,2850]
["KAINS FLAT",2850,"NSW",1,0,2,2850]
["MENAH",2850,"NSW",1,0,2,2850]
["MOUNT KNOWLES",2850,"NSW",1,0,2,2850]
["PIAMBONG",2850,"NSW",1,0,2,2850]
["SPRING FLAT",2850,"NSW",1,0,2,2850]
["TWELVE MILE",2850,"NSW",1,0,2,2850]
["WILPINJONG",2850,"NSW",1,0,2,2850]
["BERYL",2852,"NSW",1,0,2,2852]
["BOWAN PARK",2864,"NSW",1,0,2,2864]
["CUDAL",2864,"NSW",1,0,2,2864]
["BOOMEY",2866,"NSW",1,0,2,2866]
["LOOMBAH",2867,"NSW",1,0,2,2867]
["BOURNEWOOD",2868,"NSW",1,0,2,2868]
["BUMBERRY",2870,"NSW",2,0,3,2870]
["BANDON",2871,"NSW",2,0,3,2871]
["BEDGEREBONG",2871,"NSW",2,0,3,2871]
["JEMALONG",2871,"NSW",2,0,3,2871]
["OOMA",2871,"NSW",2,0,3,2871]
["BRUIE PLAINS",2875,"NSW",2,0,3,2875]
["BOONA MOUNT",2877,"NSW",2,0,3,2877]
["EREMERANG",2877,"NSW",2,0,3,2877]
["BROKEN HILL",2880,"NSW",2,0,3,2880]
["TIBOOBURRA",2880,"NSW",2,0,3,2880]
["TUGGERANONG",2900,"ACT",1,1,2,2900]
["BONYTHON",2905,"ACT",1,1,2,2905]
["GILMORE",2905,"ACT",1,1,2,2905]
["GUNGAHLIN",2912,"ACT",1,1,1,2912]
["BONNER",2914,"ACT",1,1,1,2914]
["EAST MELBOURNE",3002,"VIC",1,0,2,3002]
["SEDDON",3011,"VIC",1,1,2,3011]
["NEWPORT",3015,"VIC",1,1,1,3015]
["WILLIAMSTOWN",3016,"VIC",1,1,1,3016]
["SUNSHINE NORTH",3020,"VIC",1,1,2,3020]
["BURNSIDE",3023,"VIC",1,1,2,3023]
["RAVENHALL",3023,"VIC",1,1,2,3023]
["ALTONA MEADOWS",3028,"VIC",1,1,1,3028]
["HOPPERS CROSSING",3029,"VIC",1,1,2,3029]
["WERRIBEE SOUTH",3030,"VIC",1,1,2,3030]
["KEILOR EAST",3033,"VIC",1,1,2,3033]
["PLUMPTON",3037,"VIC",1,1,2,3037]
["ESSENDON",3040,"VIC",1,1,1,3040]
["ESSENDON NORTH",3041,"VIC",1,1,2,3041]
["TULLAMARINE",3043,"VIC",1,1,2,3043]
["BROADMEADOWS",3047,"VIC",1,1,2,3047]
["ATTWOOD",3049,"VIC",1,1,2,3049]
["CARLTON NORTH",3054,"VIC",1,1,2,3054]
["COBURG NORTH",3058,"VIC",1,1,1,3058]
["CAMPBELLFIELD",3061,"VIC",1,1,2,3061]
["MICKLEHAM",3064,"VIC",1,1,2,3064]
["THOMASTOWN",3074,"VIC",1,1,2,3074]
["EPPING",3076,"VIC",1,1,2,3076]
["HEIDELBERG HEIGHTS",3081,"VIC",1,1,1,3081]
["YALLAMBIE",3085,"VIC",1,1,1,3085]
["LA TROBE UNIVERSITY",3086,"VIC",1,1,2,3086]
["YARRAMBAT",3091,"VIC",1,1,1,3091]
["WATTLE GLEN",3096,"VIC",1,1,1,3096]
["HURSTBRIDGE",3099,"VIC",1,1,1,3099]
["DONCASTER EAST",3109,"VIC",1,1,2,3109]
["BURNLEY NORTH",3121,"VIC",1,1,2,3121]
["CREMORNE",3121,"VIC",1,1,2,3121]
["BOX HILL NORTH",3129,"VIC",1,1,2,3129]
["MITCHAM",3132,"VIC",1,1,2,3132]
["RINGWOOD NORTH",3134,"VIC",1,1,2,3134]
["CROYDON SOUTH",3136,"VIC",1,1,2,3136]
["SEVILLE",3139,"VIC",1,1,2,3139]
["YELLINGBO",3139,"VIC",1,1,2,3139]
["MALVERN NORTH",3144,"VIC",1,1,1,3144]
["CHADSTONE",3148,"VIC",1,1,1,3148]
["KNOX CITY CENTRE",3152,"VIC",1,0,1,3152]
["LYSTERFIELD",3156,"VIC",1,1,1,3156]
["SELBY",3159,"VIC",1,1,2,3159]
["CAULFIELD SOUTH",3162,"VIC",1,1,1,3162]
["HUNTINGDALE",3166,"VIC",1,1,1,3166]
["CLARINDA",3169,"VIC",1,1,1,3169]
["NOBLE PARK NORTH",3174,"VIC",1,1,1,3174]
["DOVETON",3177,"VIC",1,1,2,3177]
["WINDSOR",3181,"VIC",1,1,2,3181]
["ELSTERNWICK",3185,"VIC",1,1,1,3185]
["HAMPTON",3188,"VIC",1,1,2,3188]
["BEAUMARIS",3193,"VIC",1,1,2,3193]
["MORDIALLOC",3195,"VIC",1,1,2,3195]
["CHELSEA HEIGHTS",3196,"VIC",1,1,2,3196]
["FRANKSTON SOUTH",3199,"VIC",1,1,2,3199]
["MCKINNON",3204,"VIC",1,1,1,3204]
["AVALON",3212,"VIC",1,1,1,3212]
["BELL POST HILL",3215,"VIC",1,1,1,3215]
["BELMONT",3216,"VIC",1,1,1,3216]
["WANDANA HEIGHTS",3216,"VIC",1,1,1,3216]
["ST ALBANS PARK",3219,"VIC",1,1,1,3219]
["SOUTH GEELONG",3220,"VIC",1,1,1,3220]
["GNARWARRE",3221,"VIC",1,0,2,3221]
["MURGHEBOLUC",3221,"VIC",1,0,2,3221]
["INDENTED HEAD",3223,"VIC",1,1,1,3223]
["LEOPOLD",3224,"VIC",1,1,1,3224]
["OCEAN GROVE",3226,"VIC",1,1,1,3226]
["TORQUAY",3228,"VIC",1,0,1,3228]
["SKENES CREEK",3233,"VIC",2,0,3,3233]
["DEANS MARSH",3235,"VIC",1,0,1,3235]
["MOUNT SABINE",3236,"VIC",2,0,3,3236]
["LAVERS HILL",3238,"VIC",2,0,3,3238]
["GHERANG",3240,"VIC",1,0,2,3240]
["MORIAC",3240,"VIC",1,0,2,3240]
["BIRREGURRA",3242,"VIC",2,0,3,3242]
["MURROON",3243,"VIC",2,0,3,3243]
["IRREWARRA",3249,"VIC",2,0,3,3249]
["ONDIT",3249,"VIC",2,0,3,3249]
["POMBORNEIT EAST",3249,"VIC",2,0,3,3249]
["COLAC WEST",3250,"VIC",2,0,3,3250]
["CAMPERDOWN",3260,"VIC",2,0,3,3260]
["CARPENDEIT",3260,"VIC",2,0,3,3260]
["TANDAROOK",3260,"VIC",2,0,3,3260]
["FRAMLINGHAM",3265,"VIC",1,0,2,3265]
["GARVOC",3265,"VIC",1,0,2,3265]
["COBDEN",3266,"VIC",2,0,3,3266]
["SIMPSON",3266,"VIC",2,0,3,3266]
["BRUCKNELL",3268,"VIC",2,0,3,3268]
["NIRRANDA SOUTH",3268,"VIC",2,0,3,3268]
["NULLAWARRE NORTH",3268,"VIC",2,0,3,3268]
["DUNDONNELL",3271,"VIC",1,0,2,3271]
["ALLANSFORD",3277,"VIC",1,0,2,3277]
["MEPUNGA WEST",3277,"VIC",1,0,2,3277]
["GRASSMERE",3281,"VIC",1,0,2,3281]
["KOROIT",3282,"VIC",1,0,2,3282]
["WILLATOOK",3283,"VIC",1,0,2,3283]
["ST HELENS",3285,"VIC",1,0,2,3285]
["TYRENDARRA EAST",3285,"VIC",1,0,2,3285]
["GAZETTE",3289,"VIC",2,0,3,3289]
["TABOR",3289,"VIC",2,0,3,3289]
["MOUTAJUP",3294,"VIC",2,0,3,3294]
["BUCKLEY SWAMP",3301,"VIC",2,0,3,3301]
["WANNON",3301,"VIC",2,0,3,3301]
["YULECART",3301,"VIC",2,0,3,3301]
["DRIK DRIK",3304,"VIC",2,0,3,3304]
["GREENWALD",3304,"VIC",2,0,3,3304]
["ALLESTREE",3305,"VIC",1,0,2,3305]
["GORAE",3305,"VIC",1,0,2,3305]
["DIGBY",3309,"VIC",2,0,3,3309]
["DORODONG",3312,"VIC",2,0,3,3312]
["HENTY",3312,"VIC",2,0,3,3312]
["STRATHDOWNIE",3312,"VIC",2,0,3,3312]
["COLERAINE",3315,"VIC",2,0,3,3315]
["COOJAR",3315,"VIC",2,0,3,3315]
["TAHARA BRIDGE",3315,"VIC",2,0,3,3315]
["CHARAM",3318,"VIC",2,0,3,3318]
["PATYAH",3318,"VIC",2,0,3,3318]
["FOXHOW",3323,"VIC",2,0,3,3323]
["TEESDALE",3328,"VIC",1,0,2,3328]
["SHELFORD",3329,"VIC",1,0,2,3329]
["RUSSELLS BRIDGE",3331,"VIC",1,0,2,3331]
["PLUMPTON",3335,"VIC",1,1,2,3335]
["HARKNESS",3337,"VIC",1,1,2,3337]
["BACCHUS MARSH",3340,"VIC",1,0,2,3340]
["COIMADAI",3340,"VIC",1,0,2,3340]
["MADDINGLEY",3340,"VIC",1,0,2,3340]
["BUNDING",3342,"VIC",1,0,2,3342]
["INGLISTON",3342,"VIC",1,0,2,3342]
["BAKERY HILL",3350,"VIC",1,0,1,3350]
["LAKE WENDOUREE",3350,"VIC",1,0,1,3350]
["NEWINGTON",3350,"VIC",1,0,1,3350]
["CARNGHAM",3351,"VIC",2,0,3,3351]
["ILLABAROOK",3351,"VIC",2,0,3,3351]
["SCARSDALE",3351,"VIC",2,0,3,3351]
["STAFFORDSHIRE REEF",3351,"VIC",2,0,3,3351]
["BLOWHARD",3352,"VIC",1,0,2,3352]
["CARDIGAN VILLAGE",3352,"VIC",1,0,2,3352]
["CHAPEL FLAT",3352,"VIC",1,0,2,3352]
["GLEN PARK",3352,"VIC",1,0,2,3352]
["LAL LAL",3352,"VIC",1,0,2,3352]
["LEXTON",3352,"VIC",1,0,2,3352]
["MOUNT ROWAN",3352,"VIC",1,0,2,3352]
["SULKY",3352,"VIC",1,0,2,3352]
["WEATHERBOARD",3352,"VIC",1,0,2,3352]
["MITCHELL PARK",3355,"VIC",1,0,1,3355]
["SCOTSMANS LEAD",3357,"VIC",1,0,1,3357]
["CRESWICK NORTH",3363,"VIC",1,0,2,3363]
["BALD HILLS",3364,"VIC",1,0,2,3364]
["CAMPBELLTOWN",3364,"VIC",1,0,2,3364]
["ROCKLYN",3364,"VIC",1,0,2,3364]
["MOUNT CAMERON",3370,"VIC",1,0,2,3370]
["CARALULUP",3371,"VIC",1,0,2,3371]
["TALBOT",3371,"VIC",1,0,2,3371]
["LAKE WONGAN",3373,"VIC",1,0,2,3373]
["TRAWALLA",3373,"VIC",1,0,2,3373]
["ARMSTRONG",3377,"VIC",1,0,2,3377]
["DENICULL CREEK",3377,"VIC",1,0,2,3377]
["MOUNT COLE CREEK",3377,"VIC",1,0,2,3377]
["ROSSBRIDGE",3377,"VIC",1,0,2,3377]
["STAVELY",3379,"VIC",2,0,3,3379]
["BLACK RANGE",3381,"VIC",2,0,3,3381]
["LAKE FYANS",3381,"VIC",2,0,3,3381]
["JOEL SOUTH",3384,"VIC",1,0,2,3384]
["NAVARRE",3384,"VIC",1,0,2,3384]
["RIACHELLA",3385,"VIC",2,0,3,3385]
["KANYA",3387,"VIC",2,0,3,3387]
["WALLALOO",3387,"VIC",2,0,3,3387]
["SHEEP HILLS",3392,"VIC",2,0,3,3392]
["BEULAH",3395,"VIC",2,0,3,3395]
["KENMARE",3395,"VIC",2,0,3,3395]
["DOOEN",3401,"VIC",2,0,3,3401]
["LONGERENONG",3401,"VIC",2,0,3,3401]
["MCKENZIE CREEK",3401,"VIC",2,0,3,3401]
["TELANGATUK EAST",3401,"VIC",2,0,3,3401]
["BALMORAL",3407,"VIC",2,0,3,3407]
["PIGEON PONDS",3407,"VIC",2,0,3,3407]
["MITRE",3409,"VIC",2,0,3,3409]
["NORADJUHA",3409,"VIC",2,0,3,3409]
["TARRANYURK",3414,"VIC",2,0,3,3414]
["LORQUON",3418,"VIC",2,0,3,3418]
["YANAC",3418,"VIC",2,0,3,3418]
["DIGGERS REST",3427,"VIC",1,0,2,3427]
["CHEROKEE",3434,"VIC",1,0,2,3434]
["NULLA VALE",3435,"VIC",1,0,2,3435]
["MACEDON",3440,"VIC",1,0,2,3440]
["CADELLO",3442,"VIC",1,0,2,3442]
["BAYNTON",3444,"VIC",1,0,2,3444]
["LAURISTON",3444,"VIC",1,0,2,3444]
["PIPERS CREEK",3444,"VIC",1,0,2,3444]
["TYLDEN SOUTH",3444,"VIC",1,0,2,3444]
["BARKERS CREEK",3451,"VIC",1,0,2,3451]
["CHEWTON BUSHLANDS",3451,"VIC",1,0,2,3451]
["MCKENZIE HILL",3451,"VIC",1,0,2,3451]
["RAVENSWOOD",3453,"VIC",1,0,2,3453]
["LITTLE HAMPTON",3458,"VIC",1,0,2,3458]
["CLYDESDALE",3461,"VIC",1,0,2,3461]
["ELEVATED PLAINS",3461,"VIC",1,0,2,3461]
["KORWEINGUBOORA",3461,"VIC",1,0,2,3461]
["SAILORS FALLS",3461,"VIC",1,0,2,3461]
["WHEATSHEAF",3461,"VIC",1,0,2,3461]
["BARINGHUP",3463,"VIC",1,0,2,3463]
["NEEREMAN",3463,"VIC",1,0,2,3463]
["TARRENGOWER",3463,"VIC",1,0,2,3463]
["BUNG BONG",3465,"VIC",1,0,2,3465]
["MAJORCA",3465,"VIC",1,0,2,3465]
["RATHSCAR WEST",3465,"VIC",1,0,2,3465]
["AVOCA",3467,"VIC",1,0,2,3467]
["GLENLOGIE",3469,"VIC",1,0,2,3469]
["DUNOLLY",3472,"VIC",1,0,2,3472]
["ARCHDALE JUNCTION",3475,"VIC",1,0,2,3475]
["AVON PLAINS",3477,"VIC",2,0,3,3477]
["DALYENONG",3477,"VIC",2,0,3,3477]
["PARADISE",3477,"VIC",2,0,3,3477]
["REDBANK",3477,"VIC",2,0,3,3477]
["TOTTINGTON",3477,"VIC",2,0,3,3477]
["ELBERTON",3478,"VIC",1,0,2,3478]
["TANWOOD",3478,"VIC",1,0,2,3478]
["CORACK EAST",3480,"VIC",2,0,3,3480]
["RICH AVON EAST",3480,"VIC",2,0,3,3480]
["RICH AVON WEST",3480,"VIC",2,0,3,3480]
["KARYRIE",3483,"VIC",2,0,3,3483]
["WILLANGIE",3485,"VIC",2,0,3,3485]
["TEMPY",3489,"VIC",1,0,2,3489]
["PATCHEWOLLOCK",3491,"VIC",2,0,3,3491]
["MERRINEE",3496,"VIC",1,0,2,3496]
["NEDS CORNER",3496,"VIC",1,0,2,3496]
["CABARITA",3505,"VIC",1,0,2,3505]
["COWANGIE",3506,"VIC",1,0,2,3506]
["MARONG",3515,"VIC",1,0,2,3515]
["BEARS LAGOON",3517,"VIC",2,0,3,3517]
["POWLETT PLAINS",3517,"VIC",2,0,3,3517]
["BORUNG",3518,"VIC",2,0,3,3518]
["MYSIA",3518,"VIC",2,0,3,3518]
["WEHLA",3518,"VIC",2,0,3,3518]
["ARGYLE",3523,"VIC",1,0,2,3523]
["MOORMBOOL WEST",3523,"VIC",1,0,2,3523]
["CHARLTON",3525,"VIC",2,0,3,3525]
["WOOROONOOK",3525,"VIC",2,0,3,3525]
["JERUK",3527,"VIC",2,0,3,3527]
["TOWANINNY",3527,"VIC",2,0,3,3527]
["SUTTON",3530,"VIC",2,0,3,3530]
["BIMBOURIE",3533,"VIC",2,0,3,3533]
["NYARRIN",3533,"VIC",2,0,3,3533]
["BOORT",3537,"VIC",2,0,3,3537]
["MINMINDIE",3537,"VIC",2,0,3,3537]
["TITTYBONG",3542,"VIC",2,0,3,3542]
["ULTIMA",3544,"VIC",2,0,3,3544]
["GERAHMIN",3546,"VIC",2,0,3,3546]
["TOL TOL",3549,"VIC",2,0,3,3549]
["EAST BENDIGO",3550,"VIC",1,0,1,3550]
["SPRING GULLY",3550,"VIC",1,0,1,3550]
["AXE CREEK",3551,"VIC",1,0,2,3551]
["HUNTLY NORTH",3551,"VIC",1,0,2,3551]
["LLANELLY",3551,"VIC",1,0,2,3551]
["MANDURANG",3551,"VIC",1,0,2,3551]
["PAINSWICK",3551,"VIC",1,0,2,3551]
["WOODSTOCK ON LODDON",3551,"VIC",1,0,2,3551]
["JACKASS FLAT",3556,"VIC",1,0,2,3556]
["SEBASTIAN",3556,"VIC",1,0,2,3556]
["BURNEWANG",3558,"VIC",1,0,2,3558]
["BAMAWM",3561,"VIC",{"$f":"MAX(F6851-1,1)","v":1},0,2,3561]
["DIGGORA",3561,"VIC",1,0,2,3561]
["LOCKINGTON",3563,"VIC",1,0,2,3563]
["ECHUCA EAST",3564,"VIC",1,0,2,3564]
["ROSLYNMEAD",3564,"VIC",1,0,2,3564]
["DALTONS BRIDGE",3568,"VIC",2,0,3,3568]
["KEELY",3568,"VIC",2,0,3,3568]
["NEILBOROUGH",3570,"VIC",1,0,2,3570]
["TENNYSON",3572,"VIC",1,0,2,3572]
["CALIVIL",3573,"VIC",1,0,2,3573]
["PYRAMID HILL",3575,"VIC",{"$f":"MAX(F6915-1,1)","v":2},0,3,3575]
["BENJEROOP",3579,"VIC",2,0,3,3579]
["FAIRLEY",3579,"VIC",2,0,3,3579]
["MILNES BRIDGE",3579,"VIC",2,0,3,3579]
["SANDHILL LAKE",3579,"VIC",2,0,3,3579]
["WANDELLA",3579,"VIC",2,0,3,3579]
["FISH POINT",3585,"VIC",2,0,3,3585]
["MURRAY DOWNS",3585,"NSW",2,0,3,3585]
["SWAN HILL WEST",3585,"VIC",2,0,3,3585]
["TYNTYNDER SOUTH",3586,"VIC",2,0,3,3586]
["WOORINEN NORTH",3589,"VIC",{"$f":"MAX(F6979-1,1)","v":2},0,3,3589]
["KOOLOONONG",3597,"VIC",2,0,3,3597]
["PIANGIL",3597,"VIC",2,0,3,3597]
["NAGAMBIE",3608,"VIC",1,0,2,3608]
["MOORA",3612,"VIC",1,0,2,3612]
["TOOLAMBA",3614,"VIC",1,0,2,3614]
["TATURA",3616,"VIC",1,0,2,3616]
["MERRIGUM",3618,"VIC",1,0,2,3618]
["WYUNA EAST",3620,"VIC",1,0,2,3620]
["CARAG CARAG",3623,"VIC",1,0,2,3623]
["COOMBOONA",3629,"VIC",1,0,2,3629]
["DUNKIRK",3630,"VIC",1,0,2,3630]
["KIALLA WEST",3631,"VIC",1,0,2,3631]
["SHEPPARTON NORTH",3631,"VIC",1,0,2,3631]
["KATANDRA WEST",3634,"VIC",1,0,2,3634]
["KAARIMBA",3635,"VIC",1,0,2,3635]
["YALCA",3637,"VIC",2,0,3,3637]
["MYWEE",3641,"VIC",1,0,2,3641]
["COBRAM EAST",3644,"VIC",1,0,2,3644]
["DOOKIE",3646,"VIC",1,0,2,3646]
["CLONBINANE",3658,"VIC",1,0,2,3658]
["FLOWERDALE",3658,"VIC",1,0,2,3658]
["DROPMORE",3660,"VIC",1,0,2,3660]
["SEYMOUR",3660,"VIC",1,0,2,3660]
["MANGALORE",3663,"VIC",1,0,2,3663]
["LONGWOOD EAST",3666,"VIC",1,0,2,3666]
["PRANJIP",3666,"VIC",1,0,2,3666]
["BOHO SOUTH",3669,"VIC",1,0,2,3669]
["MARRAWEENEY",3669,"VIC",1,0,2,3669]
["LIMA",3673,"VIC",1,0,2,3673]
["MOLYULLAH",3673,"VIC",1,0,2,3673]
["TATONG",3673,"VIC",1,0,2,3673]
["GLENROWAN",3675,"VIC",1,0,2,3675]
["HANSONVILLE",3675,"VIC",1,0,2,3675]
["BYAWATHA",3678,"VIC",1,0,2,3678]
["EDI UPPER",3678,"VIC",1,0,2,3678]
["KING VALLEY",3678,"VIC",1,0,2,3678]
["OXLEY",3678,"VIC",1,0,2,3678]
["LILLIPUT",3682,"VIC",1,0,2,3682]
["NORONG",3682,"VIC",{"$f":"MAX(F7235-1,1)","v":1},0,2,3682]
["CARLYLE",3685,"VIC",1,0,2,3685]
["WODONGA",3690,"VIC",1,0,2,3690]
["BERRINGAMA",3691,"VIC",1,0,2,3691]
["DEDERANG",3691,"VIC",1,0,2,3691]
["KERGUNYAH SOUTH",3691,"VIC",1,0,2,3691]
["KIEWA",3691,"VIC",1,0,2,3691]
["THOLOGOLONG",3691,"VIC",1,0,2,3691]
["MOUNT BEAUTY",3699,"VIC",1,0,2,3699]
["GEORGES CREEK",3700,"VIC",1,0,2,3700]
["SHELLEY",3701,"VIC",1,0,2,3701]
["COLAC COLAC",3707,"VIC",1,0,2,3707]
["TOWONG",3707,"VIC",1,0,2,3707]
["BUXTON",3711,"VIC",1,0,2,3711]
["THORNTON",3712,"VIC",2,0,3,3712]
["KORIELLA",3714,"VIC",1,0,2,3714]
["FLOWERDALE",3717,"VIC",1,0,2,3717]
["LIMESTONE",3717,"VIC",1,0,2,3717]
["BONNIE DOON",3720,"VIC",2,0,3,3720]
["BRIDGE CREEK",3723,"VIC",2,0,3,3723]
["HOWQUA",3723,"VIC",2,0,3,3723]
["MOUNT BULLER",3723,"VIC",2,0,3,3723]
["SAWMILL SETTLEMENT",3723,"VIC",2,0,3,3723]
["BUNGEET",3726,"VIC",1,0,2,3726]
["YUNDOOL",3727,"VIC",1,0,2,3727]
["YOUARANG",3728,"VIC",1,0,2,3728]
["YARRAWONGA",3730,"VIC",1,0,2,3730]
["MYRRHEE",3732,"VIC",1,0,2,3732]
["BUFFALO RIVER",3737,"VIC",1,0,2,3737]
["SELWYN",3737,"VIC",1,0,2,3737]
["OVENS",3738,"VIC",1,0,2,3738]
["HOTHAM HEIGHTS",3741,"VIC",1,0,2,3741]
["WANDILIGONG",3744,"VIC",1,0,2,3744]
["BRUARONG",3749,"VIC",1,0,2,3749]
["DARRAWEIT GUIM",3756,"VIC",1,0,2,3756]
["UPPER PLENTY",3756,"VIC",1,0,2,3756]
["HEATHCOTE JUNCTION",3758,"VIC",1,0,2,3758]
["HIGH CAMP",3764,"VIC",1,0,2,3764]
["KILMORE",3764,"VIC",1,0,2,3764]
["YERING",3770,"VIC",1,0,2,3770]
["HEALESVILLE",3777,"VIC",1,0,2,3777]
["TOOLANGI",3777,"VIC",1,0,2,3777]
["MOUNT BURNETT",3781,"VIC",1,1,2,3781]
["SHERBROOKE",3789,"VIC",1,1,2,3789]
["MONBULK",3793,"VIC",1,1,2,3793]
["EAST WARBURTON",3799,"VIC",1,0,2,3799]
["MILLGROVE",3799,"VIC",1,0,2,3799]
["HALLAM",3803,"VIC",1,1,2,3803]
["OFFICER SOUTH",3809,"VIC",1,1,2,3809]
["PAKENHAM UPPER",3810,"VIC",1,1,2,3810]
["TYNONG",3813,"VIC",1,0,2,3813]
["LONGWARRY NORTH",3816,"VIC",1,0,2,3816]
["HALLORA",3818,"VIC",1,0,2,3818]
["LILLICO",3820,"VIC",1,0,2,3820]
["BRAVINGTON",3821,"VIC",1,0,2,3821]
["TETOORA ROAD",3821,"VIC",1,0,2,3821]
["GAINSBOROUGH",3822,"VIC",1,0,2,3822]
["TRAFALGAR",3824,"VIC",1,0,2,3824]
["BOOLA",3825,"VIC",1,0,2,3825]
["JACOB CREEK",3825,"VIC",1,0,2,3825]
["RAWSON",3825,"VIC",1,0,2,3825]
["TOOMBON",3825,"VIC",1,0,2,3825]
["NEERIM",3831,"VIC",1,0,2,3831]
["BAW BAW VILLAGE",3833,"VIC",1,0,2,3833]
["TANJIL BREN",3833,"VIC",1,0,2,3833]
["HAZELWOOD NORTH",3840,"VIC",1,0,1,3840]
["MORWELL",3840,"VIC",1,0,1,3840]
["CARRAJUNG LOWER",3844,"VIC",1,0,1,3844]
["TRARALGON EAST",3844,"VIC",1,0,1,3844]
["WILLUNG",3847,"VIC",1,0,2,3847]
["CLYDEBANK",3851,"VIC",1,0,2,3851]
["FLAMINGO BEACH",3851,"VIC",1,0,2,3851]
["LAKE WELLINGTON",3851,"VIC",1,0,2,3851]
["SEASPRAY",3851,"VIC",1,0,2,3851]
["GLENGARRY",3854,"VIC",1,0,1,3854]
["BILLABONG",3858,"VIC",1,0,2,3858]
["GLENMAGGIE",3858,"VIC",1,0,2,3858]
["REYNARD",3858,"VIC",1,0,2,3858]
["NEWRY",3859,"VIC",1,0,2,3859]
["COONGULLA",3860,"VIC",1,0,2,3860]
["RIVERSLEA",3860,"VIC",1,0,2,3860]
["COBBANNAH",3862,"VIC",1,0,2,3862]
["HOLLANDS LANDING",3862,"VIC",1,0,2,3862]
["STRATFORD",3862,"VIC",1,0,2,3862]
["YINNAR",3869,"VIC",1,0,1,3869]
["BUDGEREE",3870,"VIC",1,0,1,3870]
["DARLIMURLA",3871,"VIC",1,0,2,3871]
["BAIRNSDALE EAST",3875,"VIC",1,0,2,3875]
["BENGWORDEN",3875,"VIC",1,0,2,3875]
["FLAGGY CREEK",3875,"VIC",1,0,2,3875]
["MOUNT TAYLOR",3875,"VIC",1,0,2,3875]
["WOODGLEN",3875,"VIC",1,0,2,3875]
["PAYNESVILLE",3880,"VIC",1,0,2,3880]
["MOSSIFACE",3885,"VIC",1,0,2,3885]
["MURRINDAL",3885,"VIC",1,0,2,3885]
["LAKE TYERS",3887,"VIC",1,0,2,3887]
["BONANG",3888,"VIC",1,0,2,3888]
["CABANANDRA",3888,"VIC",{"$f":"MAX(F7875-1,1)","v":1},0,2,3888]
["TOSTAREE",3888,"VIC",1,0,2,3888]
["CLUB TERRACE",3889,"VIC",1,0,2,3889]
["CANN RIVER",3890,"VIC",1,0,2,3890]
["GENOA",3891,"VIC",1,0,2,3891]
["STIRLING",3893,"VIC",1,0,2,3893]
["REEDY CREEK",3895,"VIC",1,0,2,3895]
["BINGO",3898,"VIC",1,0,2,3898]
["DINNER PLAIN",3898,"VIC",1,0,2,3898]
["SHANNONVALE",3898,"VIC",1,0,2,3898]
["KALIMNA WEST",3909,"VIC",1,0,2,3909]
["NYERIMILANG",3909,"VIC",1,0,2,3909]
["TYABB",3913,"VIC",1,1,2,3913]
["FRENCH ISLAND",3921,"VIC",1,0,2,3921]
["SMITHS BEACH",3922,"VIC",1,0,2,3922]
["CHURCHILL ISLAND",3925,"VIC",1,0,2,3925]
["MERRICKS BEACH",3926,"VIC",1,1,2,3926]
["MOOROODUC",3933,"VIC",1,1,2,3933]
["BONEO",3939,"VIC",1,1,2,3939]
["ROSEBUD",3939,"VIC",1,1,2,3939]
["BELLVIEW",3945,"VIC",1,0,2,3945]
["KORUMBURRA SOUTH",3950,"VIC",1,0,2,3950]
["FAIRBANK",3951,"VIC",1,0,2,3951]
["BOOROOL",3953,"VIC",1,0,2,3953]
["NERRENA",3953,"VIC",1,0,2,3953]
["WILD DOG VALLEY",3953,"VIC",1,0,2,3953]
["VENUS BAY",3956,"VIC",1,0,2,3956]
["BUFFALO",3958,"VIC",1,0,2,3958]
["GUNYAH",3960,"VIC",1,0,2,3960]
["AGNES",3962,"VIC",1,0,2,3962]
["TOORA NORTH",3962,"VIC",1,0,2,3962]
["HEDLEY",3967,"VIC",1,0,2,3967]
["LANGSBOROUGH",3971,"VIC",1,0,2,3971]
["MADALYA",3971,"VIC",1,0,2,3971]
["LYNDHURST",3975,"VIC",1,1,1,3975]
["HAMPTON PARK",3976,"VIC",1,1,1,3976]
["JUNCTION VILLAGE",3977,"VIC",1,1,1,3977]
["TOORADIN",3980,"VIC",1,0,1,3980]
["BAYLES",3981,"VIC",1,0,2,3981]
["GRANTVILLE",3984,"VIC",1,0,2,3984]
["THE GURDIES",3984,"VIC",1,0,2,3984]
["NYORA",3987,"VIC",1,0,2,3987]
["CAPE PATERSON",3995,"VIC",1,0,2,3995]
["WATTLE BANK",3995,"VIC",1,0,2,3995]
["POUND CREEK",3996,"VIC",1,0,2,3996]
["ASCOT",4007,"QLD",1,1,2,4007]
["NUNDAH",4012,"QLD",1,1,1,4012]
["BANYO",4014,"QLD",1,1,1,4014]
["SANDGATE",4017,"QLD",1,1,2,4017]
["CLONTARF",4019,"QLD",1,1,2,4019]
["SCARBOROUGH",4020,"QLD",1,1,2,4020]
["ROYAL BRISBANE HOSPITAL",4029,"QLD",1,0,2,4029]
["KEDRON",4031,"QLD",1,1,1,4031]
["CARSELDINE",4034,"QLD",1,1,1,4034]
["BRIDGEMAN DOWNS",4035,"QLD",1,1,1,4035]
["EVERTON PARK",4053,"QLD",1,1,1,4053]
["ARANA HILLS",4054,"QLD",1,1,2,4054]
["UPPER KEDRON",4055,"QLD",1,1,1,4055]
["PADDINGTON",4064,"QLD",1,1,2,4064]
["TOOWONG",4066,"QLD",1,1,2,4066]
["KENMORE EAST",4069,"QLD",1,1,1,4069]
["ANSTEAD",4070,"QLD",1,1,1,4070]
["SINNAMON PARK",4073,"QLD",1,1,1,4073]
["WESTLAKE",4074,"QLD",1,1,1,4074]
["INALA",4077,"QLD",1,1,1,4077]
["FOREST LAKE",4078,"QLD",1,1,1,4078]
["WOOLLOONGABBA",4102,"QLD",1,1,2,4102]
["MOOROOKA",4105,"QLD",1,1,2,4105]
["MACGREGOR",4109,"QLD",1,1,2,4109]
["LARAPINTA",4110,"QLD",1,1,2,4110]
["EIGHT MILE PLAINS",4113,"QLD",1,1,2,4113]
["ALGESTER",4115,"QLD",1,1,2,4115]
["REGENTS PARK",4118,"QLD",1,1,2,4118]
["HOLLAND PARK",4121,"QLD",1,1,2,4121]
["MOUNT GRAVATT EAST",4122,"QLD",1,1,2,4122]
["BORONIA HEIGHTS",4124,"QLD",1,1,2,4124]
["DAISY HILL",4127,"QLD",1,1,2,4127]
["CORNUBIA",4130,"QLD",1,1,2,4130]
["MARSDEN",4132,"QLD",1,1,2,4132]
["CARINA",4152,"QLD",1,1,2,4152]
["GUMDALE",4154,"QLD",1,1,1,4154]
["SHELDON",4157,"QLD",1,1,2,4157]
["MOUNT COTTON",4165,"QLD",1,1,2,4165]
["EAST BRISBANE",4169,"QLD",1,1,1,4169]
["BULIMBA",4171,"QLD",1,1,1,4171]
["LYTTON",4178,"QLD",1,1,1,4178]
["AMITY",4183,"QLD",1,0,2,4183]
["MACLEAY ISLAND",4184,"QLD",1,0,2,4184]
["BETHANIA",4205,"QLD",1,1,2,4205]
["EDENS LANDING",4207,"QLD",1,1,2,4207]
["YARRABILBA",4207,"QLD",1,1,2,4207]
["YATALA",4207,"QLD",1,1,2,4207]
["PIMPAMA",4209,"QLD",1,1,2,4209]
["CARRARA",4211,"QLD",1,1,2,4211]
["GAVEN",4211,"QLD",1,1,2,4211]
["BOYKAMBIL",4212,"QLD",1,1,2,4212]
["SPRINGBROOK",4213,"QLD",{"$f":"MAX(F8515-1,1)","v":1},1,2,4213]
["TALLAI",4213,"QLD",1,1,2,4213]
["SOUTHPORT",4215,"QLD",1,0,1,4215]
["BIGGERA WATERS",4216,"QLD",1,1,2,4216]
["MAIN BEACH",4217,"QLD",1,1,2,4217]
["BURLEIGH HEADS",4220,"QLD",1,1,1,4220]
["MIAMI",4220,"QLD",1,1,1,4220]
["BILINGA",4225,"QLD",1,1,2,4225]
["TALLEBUDGERA VALLEY",4228,"QLD",1,1,2,4228]
["EAGLE HEIGHTS",4271,"QLD",1,0,2,4271]
["FERNY GLEN",4275,"QLD",{"$f":"MAX(F8579-1,1)","v":1},0,2,4275]
["LAMINGTON NATIONAL PARK",4275,"QLD",1,0,2,4275]
["ALLENVIEW",4285,"QLD",1,0,2,4285]
["CHRISTMAS CREEK",4285,"QLD",1,0,2,4285]
["HILLVIEW",4285,"QLD",1,0,2,4285]
["LAMINGTON",4285,"QLD",1,0,2,4285]
["TAMROOKUM CREEK",4285,"QLD",1,0,2,4285]
["VERESDALE SCRUB",4285,"QLD",1,0,2,4285]
["AUGUSTINE HEIGHTS",4300,"QLD",1,1,2,4300]
["CAROLE PARK",4300,"QLD",1,1,2,4300]
["DINMORE",4303,"QLD",{"$f":"MAX(F8643-1,1)","v":1},1,2,4303]
["SILKSTONE",4304,"QLD",1,1,2,4304]
["BREMER",4305,"QLD",1,1,2,4305]
["LIMESTONE RIDGES",4305,"QLD",1,1,2,4305]
["WOODEND",4305,"QLD",1,1,2,4305]
["YAMANTO",4305,"QLD",1,1,2,4305]
["BLACKBUTT NORTH",4306,"QLD",1,0,2,4306]
["COLINTON",4306,"QLD",1,0,2,4306]
["FERNVALE",4306,"QLD",1,0,2,4306]
["KARRABIN",4306,"QLD",1,0,2,4306]
["LAKE MANCHESTER",4306,"QLD",{"$f":"MAX(F8707-1,1)","v":1},0,2,4306]
["NUKKU",4306,"QLD",1,0,2,4306]
["SPLIT YARD CREEK",4306,"QLD",1,0,2,4306]
["VERNOR",4306,"QLD",1,0,2,4306]
["HARRISVILLE",4307,"QLD",1,0,2,4307]
["WILSONS PLAINS",4307,"QLD",1,0,2,4307]
["FRAZERVIEW",4309,"QLD",1,0,2,4309]
["MORWINCHA",4309,"QLD",1,0,2,4309]
["BURNETT CREEK",4310,"QLD",1,0,2,4310]
["COOCHIN",4310,"QLD",1,0,2,4310]
["HOYA",4310,"QLD",1,0,2,4310]
["MOUNT FRENCH",4310,"QLD",1,0,2,4310]
["ATKINSONS DAM",4311,"QLD",1,0,2,4311]
["PATRICK ESTATE",4311,"QLD",1,0,2,4311]
["TARAMPA",4311,"QLD",1,0,2,4311]
["CROSSDALE",4312,"QLD",1,0,2,4312]
["COOEEIMBARDI",4313,"QLD",1,0,2,4313]
["OTTABA",4313,"QLD",1,0,2,4313]
["SCRUB CREEK",4313,"QLD",1,0,2,4313]
["JEEBROPILLY",4340,"QLD",1,0,2,4340]
["THE BLUFF",4340,"QLD",1,0,2,4340]
["KENTVILLE",4341,"QLD",1,0,2,4341]
["MULGOWIE",4341,"QLD",1,0,2,4341]
["GLEN CAIRN",4342,"QLD",1,0,2,4342]
["CAFFEY",4343,"QLD",1,0,2,4343]
["JUNCTION VIEW",4343,"QLD",1,0,2,4343]
["MORTON VALE",4343,"QLD",1,0,2,4343]
["UPPER TENTHILL",4343,"QLD",1,0,2,4343]
["HELIDON SPA",4344,"QLD",1,0,2,4344]
["STOCKYARD",4344,"QLD",1,0,2,4344]
["MOUNT WHITESTONE",4347,"QLD",1,0,2,4347]
["CHARLTON",4350,"QLD",1,0,2,4350]
["DRAYTON",4350,"QLD",1,0,2,4350]
["HARRISTOWN",4350,"QLD",1,0,2,4350]
["NEWTOWN",4350,"QLD",1,0,2,4350]
["ROCKVILLE",4350,"QLD",1,0,2,4350]
["TOP CAMP",4350,"QLD",1,0,2,4350]
["WILSONTON HEIGHTS",4350,"QLD",1,0,2,4350]
["CAWDOR",4352,"QLD",1,0,2,4352]
["EVERGREEN",4352,"QLD",1,0,2,4352]
["GORE",4352,"QLD",1,0,2,4352]
["HIGHGROVE",4352,"QLD",1,0,2,4352]
["KULPI",4352,"QLD",1,0,2,4352]
["MOUNT LUKE",4352,"QLD",1,0,2,4352]
["PAMPAS",4352,"QLD",1,0,2,4352]
["POSTMANS RIDGE",4352,"QLD",1,0,2,4352]
["SPRING BLUFF",4352,"QLD",1,0,2,4352]
["UPPER LOCKYER",4352,"QLD",1,0,2,4352]
["YALANGUR",4352,"QLD",1,0,2,4352]
["ANDURAMBA",4355,"QLD",1,0,2,4355]
["JONES GULLY",4355,"QLD",1,0,2,4355]
["BONGEEN",4356,"QLD",1,0,2,4356]
["NORTH BRANCH",4356,"QLD",1,0,2,4356]
["SCRUBBY MOUNTAIN",4356,"QLD",1,0,2,4356]
["CAPTAINS MOUNTAIN",4357,"QLD",2,0,3,4357]
["MILLMERRAN DOWNS",4357,"QLD",2,0,3,4357]
["STONEHENGE",4357,"QLD",2,0,3,4357]
["TURALLIN",4357,"QLD",2,0,3,4357]
["WEST HALDON",4359,"QLD",1,0,2,4359]
["NOBBY",4360,"QLD",1,0,2,4360]
["MANAPOURI",4361,"QLD",1,0,2,4361]
["ALLORA",4362,"QLD",1,0,2,4362]
["DEUCHAR",4362,"QLD",1,0,2,4362]
["CHERRY GULLY",4370,"QLD",1,0,2,4370]
["GLENGALLAN",4370,"QLD",1,0,2,4370]
["GREYMARE",4370,"QLD",1,0,2,4370]
["MOUNT TABOR",4370,"QLD",1,0,2,4370]
["SWAN CREEK",4370,"QLD",{"$f":"MAX(F9155-1,1)","v":1},0,2,4370]
["TOOLBURRA",4370,"QLD",1,0,2,4370]
["WILLOWVALE",4370,"QLD",1,0,2,4370]
["THE FALLS",4373,"QLD",2,0,3,4373]
["COTTONVALE",4375,"QLD",2,0,3,4375]
["CANNON CREEK",4380,"QLD",2,0,3,4380]
["NUNDUBBERMERE",4380,"QLD",2,0,3,4380]
["SPRINGDALE",4380,"QLD",2,0,3,4380]
["LYRA",4382,"QLD",2,0,3,4382]
["WALLANGARRA",4383,"QLD",2,0,3,4383]
["SMITHLEA",4385,"QLD",{"$f":"MAX(F9219-1,1)","v":2},0,3,4385]
["MOSQUITO CREEK",4387,"QLD",2,0,3,4387]
["KURUMBUL",4388,"QLD",2,0,3,4388]
["LUNDAVRA",4390,"QLD",2,0,3,4390]
["YAGABURNE",4390,"QLD",2,0,3,4390]
["HIGHLAND PLAINS",4401,"QLD",1,0,2,4401]
["YARGULLEN",4401,"QLD",1,0,2,4401]
["BRYMAROO",4403,"QLD",1,0,2,4403]
["IRVINGDALE",4404,"QLD",1,0,2,4404]
["DUCKLO",4405,"QLD",1,0,2,4405]
["WERANGA",4405,"QLD",{"$f":"MAX(F9283-1,1)","v":1},0,2,4405]
["THE GUMS",4406,"QLD",2,0,3,4406]
["DUNMORE",4407,"QLD",2,0,3,4407]
["BURNCLUITH",4413,"QLD",2,0,3,4413]
["HOPELAND",4413,"QLD",2,0,3,4413]
["MILES",4415,"QLD",2,0,3,4415]
["SUNNYSIDE",4416,"QLD",2,0,3,4416]
["WARKON",4417,"QLD",2,0,3,4417]
["WANDOAN",4419,"QLD",2,0,3,4419]
["TARA",4421,"QLD",2,0,3,4421]
["COOMRITH",4422,"QLD",{"$f":"MAX(F9347-1,1)","v":2},0,3,4422]
["GLENAUBYN",4424,"QLD",2,0,3,4424]
["JACKSON SOUTH",4426,"QLD",2,0,3,4426]
["WALLUMBILLA",4428,"QLD",2,0,3,4428]
["SIMMIE",4454,"QLD",2,0,3,4454]
["CORNWALL",4455,"QLD",2,0,3,4455]
["DARGAL ROAD",4455,"QLD",2,0,3,4455]
["WYCOMBE",4455,"QLD",2,0,3,4455]
["WOMALILLA",4465,"QLD",2,0,3,4465]
["CLARA CREEK",4468,"QLD",3,0,4,4468]
["GOWRIE STATION",4470,"QLD",3,0,4,4470]
["BAYRICK",4478,"QLD",3,0,4,4478]
["MINNIE DOWNS",4478,"QLD",3,0,4,4478]
["QUILPIE",4480,"QLD",3,0,4,4480]
["BIRDSVILLE",4482,"QLD",3,0,4,4482]
["ST GEORGE",4487,"QLD",2,0,3,4487]
["TUEN",4490,"QLD",3,0,4,4490]
["BULLOO DOWNS",4492,"QLD",3,0,4,4492]
["NORTH BUNGUNYA",4494,"QLD",2,0,3,4494]
["TALWOOD",4496,"QLD",2,0,3,4496]
["STRATHPINE",4500,"QLD",1,1,1,4500]
["DAKABIN",4503,"QLD",1,1,1,4503]
["WHITESIDE",4503,"QLD",1,1,1,4503]
["WELSBY",4507,"QLD",1,1,2,4507]
["WHITE PATCH",4507,"QLD",1,1,2,4507]
["MOODLU",4510,"QLD",1,1,2,4510]
["NINGI",4511,"QLD",1,1,2,4511]
["BELLTHORPE",4514,"QLD",1,0,2,4514]
["VILLENEUVE",4514,"QLD",1,0,2,4514]
["MONSILDALE",4515,"QLD",1,0,2,4515]
["WINYA",4515,"QLD",1,0,2,4515]
["PEACHESTER",4519,"QLD",1,0,2,4519]
["CAMP MOUNTAIN",4520,"QLD",1,1,1,4520]
["MOUNT SAMSON",4520,"QLD",1,1,1,4520]
["CAMPBELLS POCKET",4521,"QLD",1,0,1,4521]
["MOUNT PLEASANT",4521,"QLD",1,0,1,4521]
["CALOUNDRA",4551,"QLD",1,1,1,4551]
["MOFFAT BEACH",4551,"QLD",1,1,1,4551]
["BALMORAL RIDGE",4552,"QLD",1,0,2,4552]
["HARPER CREEK",4552,"QLD",1,0,2,4552]
["WOOTHA",4552,"QLD",1,0,2,4552]
["CHEVALLUM",4555,"QLD",1,1,2,4555]
["SIPPY DOWNS",4556,"QLD",1,1,2,4556]
["COTTON TREE",4558,"QLD",1,1,2,4558]
["BURNSIDE",4560,"QLD",1,1,2,4560]
["DULONG",4560,"QLD",1,1,2,4560]
["MONTVILLE",4560,"QLD",1,1,2,4560]
["NINDERRY",4561,"QLD",1,0,2,4561]
["YANDINA CREEK",4561,"QLD",1,0,2,4561]
["COOROY",4563,"QLD",1,0,2,4563]
["RIDGEWOOD",4563,"QLD",1,0,2,4563]
["COOTHARABA",4565,"QLD",1,1,2,4565]
["PINBARREN",4568,"QLD",1,0,2,4568]
["COORAN",4569,"QLD",1,0,2,4569]
["BOLLIER",4570,"QLD",1,0,2,4570]
["CURRA",4570,"QLD",1,0,2,4570]
["DAGUN",4570,"QLD",1,0,2,4570]
["GREENS CREEK",4570,"QLD",1,0,2,4570]
["KYBONG",4570,"QLD",1,0,2,4570]
["LAKE BORUMBA",4570,"QLD",1,0,2,4570]
["MOOLOO",4570,"QLD",1,0,2,4570]
["PIE CREEK",4570,"QLD",1,0,2,4570]
["SCRUBBY CREEK",4570,"QLD",1,0,2,4570]
["TRAVESTON",4570,"QLD",1,0,2,4570]
["TWO MILE",4570,"QLD",1,0,2,4570]
["WIDGEE",4570,"QLD",1,0,2,4570]
["MOUNT COOLUM",4573,"QLD",1,1,1,4573]
["PEREGIAN SPRINGS",4573,"QLD",1,1,1,4573]
["BIRTINYA",4575,"QLD",1,1,1,4575]
["COOLOOLA COVE",4580,"QLD",1,0,2,4580]
["BLACK SNAKE",4600,"QLD",2,0,3,4600]
["BARAMBAH",4601,"QLD",2,0,3,4601]
["GOOMERI",4601,"QLD",2,0,3,4601]
["CLOYNA",4605,"QLD",2,0,3,4605]
["MOONDOONER",4605,"QLD",2,0,3,4605]
["WARNUNG",4605,"QLD",2,0,3,4605]
["FICKS CROSSING",4606,"QLD",2,0,3,4606]
["TINGOORA",4608,"QLD",2,0,3,4608]
["BOOIE",4610,"QLD",1,0,2,4610]
["CORNDALE",4610,"QLD",1,0,2,4610]
["GORDONBROOK",4610,"QLD",1,0,2,4610]
["KINGAROY",4610,"QLD",1,0,2,4610]
["HIVESVILLE",4612,"QLD",2,0,3,4612]
["BOONDOOMA",4613,"QLD",2,0,3,4613]
["OKEDEN",4613,"QLD",2,0,3,4613]
["BARKER CREEK FLAT",4615,"QLD",2,0,3,4615]
["MAIDENWELL",4615,"QLD",2,0,3,4615]
["SOUTH NANANGO",4615,"QLD",2,0,3,4615]
["BROOWEENA",4620,"QLD",1,0,2,4620]
["MALARGA",4620,"QLD",1,0,2,4620]
["DIDCOT",4621,"QLD",2,0,3,4621]
["ARANBANGA",4625,"QLD",2,0,3,4625]
["BON ACCORD",4625,"QLD",2,0,3,4625]
["DUNDARRAH",4625,"QLD",2,0,3,4625]
["HUMPHERY",4625,"QLD",2,0,3,4625]
["TOONDAHRA",4625,"QLD",2,0,3,4625]
["YENDA",4625,"QLD",2,0,3,4625]
["DERRI DERRA",4626,"QLD",2,0,3,4626]
["MUNDOWRAN",4626,"QLD",2,0,3,4626]
["CHELTENHAM",4627,"QLD",2,0,3,4627]
["WURUMA DAM",4627,"QLD",2,0,3,4627]
["COOMINGLAH",4630,"QLD",2,0,3,4630]
["KAPALDO",4630,"QLD",2,0,3,4630]
["MUNGUNGO",4630,"QLD",2,0,3,4630]
["ALDERSHOT",4650,"QLD",1,0,2,4650]
["BOONOOROO PLAINS",4650,"QLD",1,0,2,4650]
["GLENDORF",4650,"QLD",1,0,2,4650]
["MAGNOLIA",4650,"QLD",1,0,2,4650]
["POONA",4650,"QLD",1,0,2,4650]
["PRAWLE",4650,"QLD",1,0,2,4650]
["THINOOMBA",4650,"QLD",1,0,2,4650]
["CRAIGNISH",4655,"QLD",1,0,2,4655]
["DUNDOWRAN",4655,"QLD",1,0,2,4655]
["RIVER HEADS",4655,"QLD",1,0,2,4655]
["URRAWEEN",4655,"QLD",1,0,2,4655]
["BURRUM",4659,"QLD",1,0,2,4659]
["ABINGTON",4660,"QLD",1,0,2,4660]
["EUREKA",4660,"QLD",1,0,2,4660]
["ISIS CENTRAL",4660,"QLD",1,0,2,4660]
["WOODGATE",4660,"QLD",1,0,2,4660]
["ABBOTSFORD",4670,"QLD",1,0,2,4670]
["BUNDABERG CENTRAL",4670,"QLD",1,0,2,4670]
["COONARR",4670,"QLD",1,0,2,4670]
["FAIRYMEAD",4670,"QLD",1,0,2,4670]
["MEADOWVALE",4670,"QLD",1,0,2,4670]
["PINE CREEK",4670,"QLD",1,0,2,4670]
["SOUTH BINGERA",4670,"QLD",1,0,2,4670]
["WINDERMERE",4670,"QLD",1,0,2,4670]
["BULLYARD",4671,"QLD",2,0,3,4671]
["GAETA",4671,"QLD",2,0,3,4671]
["MOLANGUL",4671,"QLD",2,0,3,4671]
["MOUNT PERRY",4671,"QLD",2,0,3,4671]
["ST KILDA",4671,"QLD",2,0,3,4671]
["WATERLOO",4673,"QLD",1,0,2,4673]
["EULEILAH",4674,"QLD",3,0,4,4674]
["AGNES WATER",4677,"QLD",3,0,4,4677]
["MIRIAM VALE",4677,"QLD",3,0,4,4677]
["TURKEY BEACH",4678,"QLD",3,0,4,4678]
["BURUA",4680,"QLD",3,0,4,4680]
["CURTIS ISLAND",4680,"QLD",3,0,4,4680]
["KIN KORA",4680,"QLD",3,0,4,4680]
["RIVER RANCH",4680,"QLD",3,0,4,4680]
["SUN VALLEY",4680,"QLD",3,0,4,4680]
["WEST STOWE",4680,"QLD",3,0,4,4680]
["YARWUN",4694,"QLD",3,0,4,4694]
["RAGLAN",4697,"QLD",3,0,4,4697]
["PORT CURTIS",4700,"QLD",2,0,3,4700]
["GREENLAKE",4701,"QLD",2,0,3,4701]
["KALKA",4701,"QLD",2,0,3,4701]
["ROCKYVIEW",4701,"QLD",2,0,3,4701]
["SANDRINGHAM",4701,"QLD",2,0,3,4701]
["BALCOMBA",4702,"QLD",2,0,3,4702]
["CANAL CREEK",4702,"QLD",2,0,3,4702]
["CAWARRAL",4702,"QLD",2,0,3,4702]
["DINGO",4702,"QLD",2,0,3,4702]
["GOOMALLY",4702,"QLD",2,0,3,4702]
["GOOVIGEN",4702,"QLD",2,0,3,4702]
["KOKOTUNGO",4702,"QLD",2,0,3,4702]
["MORINISH",4702,"QLD",2,0,3,4702]
["MORINISH SOUTH",4702,"QLD",2,0,3,4702]
["SAPPHIRE",4702,"QLD",2,0,3,4702]
["THOMPSON POINT",4702,"QLD",2,0,3,4702]
["WALLAROO",4702,"QLD",2,0,3,4702]
["ADELAIDE PARK",4703,"QLD",2,0,3,4703]
["BYFIELD",4703,"QLD",2,0,3,4703]
["FARNBOROUGH",4703,"QLD",2,0,3,4703]
["MULAMBIN",4703,"QLD",2,0,3,4703]
["TANBY",4703,"QLD",2,0,3,4703]
["YAAMBA",4704,"QLD",2,0,3,4704]
["ST LAWRENCE",4707,"QLD",2,0,3,4707]
["ZILZIE",4710,"QLD",2,0,3,4710]
["HAMILTON CREEK",4714,"QLD",2,0,3,4714]
["MOONGAN",4714,"QLD",2,0,3,4714]
["WALMUL",4714,"QLD",2,0,3,4714]
["GREYCLIFFE",4715,"QLD",2,0,3,4715]
["LAWGI DAWES",4716,"QLD",2,0,3,4716]
["MOURA",4718,"QLD",2,0,3,4718]
["WARNOAH",4718,"QLD",2,0,3,4718]
["EMERALD",4720,"QLD",2,0,3,4720]
["THERESA CREEK",4721,"QLD",2,0,3,4721]
["ORION",4722,"QLD",2,0,3,4722]
["CHIRNSIDE",4723,"QLD",2,0,3,4723]
["LOWESTOFF",4723,"QLD",2,0,3,4723]
["PINE HILL",4724,"QLD",3,0,4,4724]
["ARAMAC",4726,"QLD",3,0,4,4726]
["MEXICO",4728,"QLD",3,0,4,4728]
["MORELLA",4730,"QLD",3,0,4,4730]
["WINTON",4735,"QLD",3,0,4,4735]
["FRESHWATER POINT",4737,"QLD",3,0,4,4737]
["ILBILBIE",4738,"QLD",3,0,4,4738]
["BAKERS CREEK",4740,"QLD",3,0,4,4740]
["CAPE HILLSBOROUGH",4740,"QLD",3,0,4,4740]
["FOULDEN",4740,"QLD",3,0,4,4740]
["HALIDAY BAY",4740,"QLD",3,0,4,4740]
["MACKAY HARBOUR",4740,"QLD",3,0,4,4740]
["RACECOURSE",4740,"QLD",3,0,4,4740]
["RURAL VIEW",4740,"QLD",3,0,4,4740]
["COPPABELLA",4741,"QLD",3,0,4,4741]
["EUNGELLA HINTERLAND",4741,"QLD",3,0,4,4741]
["MOUNT OSSA",4741,"QLD",3,0,4,4741]
["OWENS CREEK",4741,"QLD",3,0,4,4741]
["SEAFORTH",4741,"QLD",3,0,4,4741]
["MT BRITTON",4742,"QLD",2,0,3,4742]
["TURRAWULLA",4742,"QLD",2,0,3,4742]
["VICTORIA PLAINS",4751,"QLD",3,0,4,4751]
["DOWS CREEK",4754,"QLD",3,0,4,4754]
["MOUNT MARTIN",4754,"QLD",3,0,4,4754]
["EUNGELLA",4757,"QLD",3,0,4,4757]
["CANNON VALLEY",4800,"QLD",1,0,2,4800]
["CAPE CONWAY",4800,"QLD",1,0,2,4800]
["GOORGANGA CREEK",4800,"QLD",1,0,2,4800]
["MOUNT JULIAN",4800,"QLD",1,0,2,4800]
["MOUNT MARLOW",4800,"QLD",1,0,2,4800]
["SUGARLOAF",4800,"QLD",1,0,2,4800]
["MANDALAY",4802,"QLD",1,0,2,4802]
["SHUTE HARBOUR",4802,"QLD",1,0,2,4802]
["BOGIE",4805,"QLD",2,0,3,4805]
["QUEENS BEACH",4805,"QLD",2,0,3,4805]
["KIRKNIE",4806,"QLD",2,0,3,4806]
["AYR",4807,"QLD",2,0,3,4807]
["CLAREDALE",4807,"QLD",2,0,3,4807]
["PARKSIDE",4807,"QLD",2,0,3,4807]
["BRANDON",4808,"QLD",2,0,3,4808]
["UPPER HAUGHTON",4809,"QLD",2,0,3,4809]
["SHELLY BEACH",4810,"QLD",3,0,4,4810]
["MOUNT STUART",4811,"QLD",3,0,4,4811]
["STUART",4811,"QLD",3,0,4,4811]
["PIMLICO",4812,"QLD",3,0,4,4812]
["AITKENVALE",4814,"QLD",3,0,4,4814]
["MURRAY",4814,"QLD",3,0,4,4814]
["GUMLOW",4815,"QLD",3,0,4,4815]
["BUCHANAN",4816,"QLD",2,0,3,4816]
["HOMESTEAD",4816,"QLD",{"$f":"MAX(F10883-1,1)","v":2},0,3,4816]
["MACROSSAN",4816,"QLD",2,0,3,4816]
["PALM ISLAND",4816,"QLD",2,0,3,4816]
["THE CAPE",4816,"QLD",2,0,3,4816]
["TOONPAN",4816,"QLD",2,0,3,4816]
["BEACH HOLM",4818,"QLD",3,0,4,4818]
["BLUEWATER",4818,"QLD",3,0,4,4818]
["LYNAM",4818,"QLD",3,0,4,4818]
["MAGNETIC ISLAND",4819,"QLD",3,0,4,4819]
["PICNIC BAY",4819,"QLD",3,0,4,4819]
["CHARTERS TOWERS",4820,"QLD",{"$f":"MAX(F10947-1,1)","v":2},0,3,4820]
["MOSMAN PARK",4820,"QLD",2,0,3,4820]
["TOLL",4820,"QLD",2,0,3,4820]
["CAMBRIDGE",4822,"QLD",2,0,3,4822]
["KYNUNA",4823,"QLD",2,0,3,4823]
["STOKES",4823,"QLD",2,0,3,4823]
["KURIDALA",4824,"QLD",2,0,3,4824]
["FIELDING",4825,"QLD",2,0,3,4825]
["GUNPOWDER",4825,"QLD",2,0,3,4825]
["MORNINGTON",4825,"QLD",2,0,3,4825]
["MOUNT ISA EAST",4825,"QLD",{"$f":"MAX(F11011-1,1)","v":2},0,3,4825]
["SOLDIERS HILL",4825,"QLD",2,0,3,4825]
["MIN MIN",4829,"QLD",3,0,4,4829]
["WARENDA",4829,"QLD",3,0,4,4829]
["GREGORY DOWNS",4830,"QLD",2,0,3,4830]
["BRAEMEADOWS",4850,"QLD",2,0,3,4850]
["GARRAWALT",4850,"QLD",2,0,3,4850]
["LANNERCOST",4850,"QLD",2,0,3,4850]
["MACKNADE",4850,"QLD",2,0,3,4850]
["WHARPS",4850,"QLD",2,0,3,4850]
["DUNK",4852,"QLD",2,0,3,4852]
["BILYANA",4854,"QLD",2,0,3,4854]
["FELUGA",4854,"QLD",2,0,3,4854]
["MIDGENOO",4854,"QLD",2,0,3,4854]
["SILKY OAK",4854,"QLD",2,0,3,4854]
["DAVESON",4855,"QLD",2,0,3,4855]
["SHELL POCKET",4855,"QLD",2,0,3,4855]
["ETTY BAY",4858,"QLD",2,0,3,4858]
["BAMBOO CREEK",4860,"QLD",2,0,3,4860]
["CULLINANE",4860,"QLD",2,0,3,4860]
["EUBENANGEE",4860,"QLD",2,0,3,4860]
["HUDSON",4860,"QLD",2,0,3,4860]
["O'BRIENS HILL",4860,"QLD",2,0,3,4860]
["UPPER DARADGEE",4860,"QLD",2,0,3,4860]
["BARTLE FRERE",4861,"QLD",2,0,3,4861]
["PACKERS CAMP",4865,"QLD",1,0,2,4865]
["WOREE",4868,"QLD",1,0,2,4868]
["CAIRNS",4870,"QLD",1,0,2,4870]
["KAMERUNGA",4870,"QLD",1,0,2,4870]
["MOOROOBOOL",4870,"QLD",1,0,2,4870]
["ABINGDON DOWNS",4871,"QLD",2,0,3,4871]
["ARCHER RIVER",4871,"QLD",2,0,3,4871]
["BOOGAN",4871,"QLD",2,0,3,4871]
["CORALIE",4871,"QLD",2,0,3,4871]
["CROYDON",4871,"QLD",2,0,3,4871]
["EDWARD RIVER",4871,"QLD",2,0,3,4871]
["GAMBOOLA",4871,"QLD",2,0,3,4871]
["GREEN ISLAND",4871,"QLD",2,0,3,4871]
["KOWANYAMA",4871,"QLD",2,0,3,4871]
["LAKELAND DOWNS",4871,"QLD",2,0,3,4871]
["MARAMIE",4871,"QLD",2,0,3,4871]
["MOUNT SURPRISE",4871,"QLD",2,0,3,4871]
["PORTLAND ROADS",4871,"QLD",2,0,3,4871]
["SPRINGFIELD",4871,"QLD",2,0,3,4871]
["WEST WELLESLEY ISLANDS",4871,"QLD",2,0,3,4871]
["WOOPEN CREEK",4871,"QLD",2,0,3,4871]
["FORTY MILE",4872,"QLD",2,0,3,4872]
["MOUNT GARNET",4872,"QLD",2,0,3,4872]
["MUNDERRA",4872,"QLD",2,0,3,4872]
["COW BAY",4873,"QLD",2,0,3,4873]
["LOWER DAINTREE",4873,"QLD",2,0,3,4873]
["MOSSMAN",4873,"QLD",2,0,3,4873]
["WHYANBEEL",4873,"QLD",2,0,3,4873]
["ROCKY POINT",4874,"QLD",2,0,3,4874]
["BADU ISLAND",4875,"QLD",2,0,3,4875]
["JERVIS ISLAND",4875,"QLD",2,0,3,4875]
["MABUIAG ISLAND",4875,"QLD",2,0,3,4875]
["YORKE ISLAND",4875,"QLD",2,0,3,4875]
["KILLALOE",4877,"QLD",1,0,2,4877]
["MACHANS BEACH",4878,"QLD",1,0,2,4878]
["KEWARRA BEACH",4879,"QLD",1,0,2,4879]
["MAREEBA",4880,"QLD",2,0,3,4880]
["MONA MONA",4881,"QLD",2,0,3,4881]
["WONGABEL",4883,"QLD",2,0,3,4883]
["KUREEN",4885,"QLD",2,0,3,4885]
["TOPAZ",4885,"QLD",2,0,3,4885]
["MUNGALLI",4886,"QLD",2,0,3,4886]
["EVELYN",4888,"QLD",2,0,3,4888]
["TUMOULIN",4888,"QLD",2,0,3,4888]
["DEGARRA",4895,"QLD",2,0,3,4895]
["STARCKE",4895,"QLD",2,0,3,4895]
["WELLAND",5007,"SA",1,1,2,5007]
["DUDLEY PARK",5008,"SA",1,1,2,5008]
["BEVERLEY",5009,"SA",1,1,2,5009]
["WOODVILLE WEST",5011,"SA",1,1,2,5011]
["GILLMAN",5013,"SA",1,1,2,5013]
["CHELTENHAM",5014,"SA",1,1,2,5014]
["NEW PORT",5015,"SA",1,1,2,5015]
["PETERHEAD",5016,"SA",1,1,2,5016]
["SEMAPHORE SOUTH",5019,"SA",1,1,2,5019]
["FINDON",5023,"SA",1,1,2,5023]
["WEST BEACH",5024,"SA",1,1,1,5024]
["TORRENSVILLE PLAZA",5031,"SA",1,1,1,5031]
["CLARENCE PARK",5034,"SA",1,1,1,5034]
["KINGS PARK",5034,"SA",1,1,1,5034]
["KESWICK TERMINAL",5035,"SA",1,1,1,5035]
["CAMDEN PARK",5038,"SA",1,1,1,5038]
["NOVAR GARDENS",5040,"SA",1,1,1,5040]
["BEDFORD PARK",5042,"SA",1,1,1,5042]
["MARION",5043,"SA",1,1,1,5043]
["GLENELG NORTH",5045,"SA",1,1,1,5045]
["HOVE",5048,"SA",1,1,1,5048]
["NORTH BRIGHTON",5048,"SA",1,1,1,5048]
["HAWTHORNDENE",5051,"SA",1,1,1,5051]
["BROWN HILL CREEK",5062,"SA",1,1,1,5062]
["CLAPHAM",5062,"SA",1,1,1,5062]
["FULLARTON",5063,"SA",1,1,1,5063]
["URRBRAE",5064,"SA",1,1,1,5064]
["TUSMORE",5065,"SA",1,1,1,5065]
["WATTLE PARK",5066,"SA",1,1,1,5066]
["KENSINGTON GARDENS",5068,"SA",1,1,1,5068]
["COLLEGE PARK",5069,"SA",1,1,1,5069]
["FELIXSTOW",5070,"SA",1,1,1,5070]
["MARDEN",5070,"SA",1,1,1,5070]
["MAGILL NORTH",5072,"SA",1,1,2,5072]
["TRANMERE",5073,"SA",1,1,1,5073]
["ATHELSTONE",5076,"SA",{"$f":"MAX(F11715-1,1)","v":1},1,1,5076]
["VALE PARK",5081,"SA",1,1,2,5081]
["PROSPECT EAST",5082,"SA",1,1,2,5082]
["BLAIR ATHOL WEST",5084,"SA",1,1,2,5084]
["GILLES PLAINS",5086,"SA",1,1,2,5086]
["KLEMZIG",5087,"SA",1,1,2,5087]
["TEA TREE GULLY",5091,"SA",1,1,2,5091]
["PARA VISTA",5093,"SA",1,1,2,5093]
["PARA HILLS WEST",5096,"SA",1,1,2,5096]
["WALKLEY HEIGHTS",5098,"SA",1,1,2,5098]
["PARALOWIE",5108,"SA",{"$f":"MAX(F11779-1,1)","v":1},1,2,5108]
["SALISBURY HEIGHTS",5109,"SA",1,1,2,5109]
["DIREK",5110,"SA",1,1,2,5110]
["HILLBANK",5112,"SA",1,1,2,5112]
["ELIZABETH NORTH",5113,"SA",1,1,2,5113]
["GOULD CREEK",5114,"SA",1,1,2,5114]
["KUDLA",5115,"SA",1,1,2,5115]
["HILLIER",5116,"SA",1,1,2,5116]
["CONCORDIA",5118,"SA",1,1,2,5118]
["GAWLER SOUTH",5118,"SA",1,1,2,5118]
["REID",5118,"SA",{"$f":"MAX(F11843-1,1)","v":1},1,2,5118]
["GOLDEN GROVE VILLAGE",5125,"SA",1,1,2,5125]
["UPPER HERMITAGE",5131,"SA",1,1,2,5131]
["MONTACUTE",5134,"SA",1,1,2,5134]
["FOREST RANGE",5139,"SA",1,1,2,5139]
["MOUNT LOFTY",5152,"SA",1,1,2,5152]
["BRADBURY",5153,"SA",1,1,2,5153]
["LONGWOOD",5153,"SA",1,1,2,5153]
["ALDGATE",5154,"SA",1,1,2,5154]
["COROMANDEL EAST",5157,"SA",1,1,2,5157]
["CHANDLERS HILL",5159,"SA",1,1,2,5159]
["LONSDALE",5160,"SA",1,1,2,5160]
["HACKHAM WEST",5163,"SA",1,1,2,5163]
["CHRISTIES BEACH",5165,"SA",1,1,2,5165]
["MOANA",5169,"SA",1,1,2,5169]
["PEDLER CREEK",5171,"SA",1,1,2,5171]
["HOPE FOREST",5172,"SA",1,1,2,5172]
["WILLUNGA",5172,"SA",1,1,2,5172]
["MEADOWS",5201,"SA",1,0,2,5201]
["PARIS CREEK",5201,"SA",1,0,2,5201]
["WATTLE FLAT",5203,"SA",1,0,2,5203]
["SILVERTON",5204,"SA",1,0,2,5204]
["MOUNT MAGNIFICENT",5210,"SA",1,0,2,5210]
["MOUNT JAGGED",5211,"SA",1,0,2,5211]
["GOOLWA",5214,"SA",1,0,2,5214]
["GOOLWA NORTH",5214,"SA",1,0,2,5214]
["ANTECHAMBER BAY",5222,"SA",1,0,2,5222]
["CUTTLEFISH BAY",5222,"SA",1,0,2,5222]
["PORKY FLAT",5222,"SA",1,0,2,5222]
["CASSINI",5223,"SA",1,0,2,5223]
["DUNCAN",5223,"SA",1,0,2,5223]
["KOHINOOR",5223,"SA",1,0,2,5223]
["MIDDLE RIVER",5223,"SA",1,0,2,5223]
["WESTERN RIVER",5223,"SA",1,0,2,5223]
["WARREN",5233,"SA",1,0,2,5233]
["FLAXMAN VALLEY",5235,"SA",1,0,2,5235]
["SANDERSTON",5237,"SA",1,0,2,5237]
["FORSTER",5238,"SA",1,0,2,5238]
["JULANKA HOLDINGS",5238,"SA",1,0,2,5238]
["PORT MANNUM",5238,"SA",1,0,2,5238]
["ROCKY POINT",5238,"SA",1,0,2,5238]
["LENSWOOD",5240,"SA",1,1,2,5240]
["HAHNDORF",5245,"SA",1,1,2,5245]
["TOTNESS",5250,"SA",1,1,2,5250]
["MOUNT BARKER SUMMIT",5251,"SA",1,1,2,5251]
["BURDETT",5253,"SA",1,0,2,5253]
["ETTRICK",5253,"SA",1,0,2,5253]
["MURRAY BRIDGE SOUTH",5253,"SA",1,0,2,5253]
["SWANPORT",5253,"SA",1,0,2,5253]
["WOODS POINT",5253,"SA",1,0,2,5253]
["TEPKO",5254,"SA",1,0,2,5254]
["FINNISS",5255,"SA",1,0,2,5255]
["MOUNT OBSERVATION",5255,"SA",1,0,2,5255]
["STRATHALBYN",5255,"SA",1,0,2,5255]
["MILANG",5256,"SA",1,0,2,5256]
["POINT MCLEAY",5259,"SA",2,0,3,5259]
["ELWOMPLE",5260,"SA",1,0,2,5260]
["YUMALI",5261,"SA",2,0,3,5261]
["COORONG",5264,"SA",2,0,3,5264]
["TINTINARA",5266,"SA",2,0,3,5266]
["KEITH",5267,"SA",2,0,3,5267]
["PETHERICK",5267,"SA",2,0,3,5267]
["BORDERTOWN",5268,"SA",2,0,3,5268]
["WESTERN FLAT",5268,"SA",2,0,3,5268]
["MUNDULLA WEST",5270,"SA",2,0,3,5270]
["LAURIE PARK",5271,"SA",2,0,3,5271]
["NARACOORTE",5271,"SA",2,0,3,5271]
["LUCINDALE",5272,"SA",2,0,3,5272]
["KINGSTON SE",5275,"SA",2,0,3,5275]
["MOUNT BENSON",5275,"SA",2,0,3,5275]
["WANGOLINA",5275,"SA",2,0,3,5275]
["PLEASANT PARK",5277,"SA",2,0,3,5277]
["WEPAR",5278,"SA",2,0,3,5278]
["BEACHPORT",5280,"SA",2,0,3,5280]
["MILLICENT",5280,"SA",2,0,3,5280]
["THORNLEA",5280,"SA",2,0,3,5280]
["CANUNDA",5291,"SA",2,0,3,5291]
["DONOVANS",5291,"SA",2,0,3,5291]
["KONGORONG",5291,"SA",2,0,3,5291]
["O B FLAT",5291,"SA",2,0,3,5291]
["WANDILO",5291,"SA",2,0,3,5291]
["JABUK",5301,"SA",2,0,3,5301]
["LAMEROO",5302,"SA",2,0,3,5302]
["PINNAROO",5304,"SA",2,0,3,5304]
["GALGA",5308,"SA",2,0,3,5308]
["MINDARIE",5309,"SA",2,0,3,5309]
["ALAWOONA",5311,"SA",2,0,3,5311]
["TALDRA",5311,"SA",2,0,3,5311]
["BEATTY",5320,"SA",2,0,3,5320]
["MORPHETTS FLAT",5320,"SA",2,0,3,5320]
["QUALCO",5322,"SA",2,0,3,5322]
["BOOLGUN",5330,"SA",2,0,3,5330]
["MARKARANKA",5330,"SA",2,0,3,5330]
["WAIKERIE",5330,"SA",2,0,3,5330]
["LOXTON",5333,"SA",2,0,3,5333]
["PARINGA",5340,"SA",2,0,3,5340]
["COOLTONG",5341,"SA",2,0,3,5341]
["YAMBA",5341,"SA",2,0,3,5341]
["GLOSSOP",5344,"SA",2,0,3,5344]
["ROSEDALE",5350,"SA",1,0,2,5350]
["WILLIAMSTOWN",5351,"SA",1,0,2,5351]
["ROWLAND FLAT",5352,"SA",1,0,2,5352]
["FLAXMAN VALLEY",5353,"SA",1,0,2,5353]
["BAKARA",5354,"SA",2,0,3,5354]
["MARKS LANDING",5354,"SA",2,0,3,5354]
["MARANANGA",5355,"SA",1,0,2,5355]
["DUTTON EAST",5356,"SA",1,0,2,5356]
["PAISLEY",5357,"SA",2,0,3,5357]
["GREENOCK",5360,"SA",1,0,2,5360]
["KAPUNDA",5373,"SA",1,0,2,5373]
["KOONUNGA",5373,"SA",1,0,2,5373]
["FRANKTON",5374,"SA",2,0,3,5374]
["EMU DOWNS",5381,"SA",2,0,3,5381]
["HALLELUJA HILLS",5381,"SA",2,0,3,5381]
["HAMLEY BRIDGE",5401,"SA",1,0,2,5401]
["RHYNIE",5412,"SA",1,0,2,5412]
["RIVERTON",5412,"SA",1,0,2,5412]
["MINTARO",5415,"SA",2,0,3,5415]
["FARRELL FLAT",5416,"SA",2,0,3,5416]
["GUM CREEK",5417,"SA",2,0,3,5417]
["PINE CREEK",5419,"SA",2,0,3,5419]
["CAVENAGH",5422,"SA",2,0,3,5422]
["MINVALARA",5422,"SA",2,0,3,5422]
["AMYTON",5431,"SA",2,0,3,5431]
["MORCHARD",5431,"SA",2,0,3,5431]
["WALLOWAY",5431,"SA",2,0,3,5431]
["BRUCE",5433,"SA",2,0,3,5433]
["YARRAH",5433,"SA",2,0,3,5433]
["OLARY",5440,"SA",2,0,3,5440]
["ARMAGH",5453,"SA",2,0,3,5453]
["CLARE",5453,"SA",2,0,3,5453]
["SEVENHILL",5453,"SA",2,0,3,5453]
["MAYFIELD",5454,"SA",2,0,3,5454]
["OWEN",5460,"SA",1,0,2,5460]
["EVERARD CENTRAL",5461,"SA",1,0,2,5461]
["MOUNT TEMPLETON",5461,"SA",1,0,2,5461]
["BUNGAREE",5464,"SA",2,0,3,5464]
["GEORGETOWN",5472,"SA",2,0,3,5472]
["BANGOR",5481,"SA",2,0,3,5481]
["WILMINGTON",5485,"SA",2,0,3,5485]
["BUNDALEER GARDENS",5491,"SA",2,0,3,5491]
["BAROOTA",5495,"SA",2,0,3,5495]
["DUBLIN",5501,"SA",1,0,2,5501]
["PARHAM",5501,"SA",1,0,2,5501]
["FISCHER",5502,"SA",1,0,2,5502]
["LOCHIEL",5510,"SA",2,0,3,5510]
["WOKURNA",5520,"SA",2,0,3,5520]
["CRYSTAL BROOK",5523,"SA",2,0,3,5523]
["WANDEARAH",5523,"SA",2,0,3,5523]
["PIRIE EAST",5540,"SA",1,0,2,5540]
["RISDON PARK SOUTH",5540,"SA",1,0,2,5540]
["INKERMAN",5550,"SA",1,0,2,5550]
["SUNNYVALE",5552,"SA",2,0,3,5552]
["MATTA FLAT",5554,"SA",2,0,3,5554]
["ALFORD",5555,"SA",2,0,3,5555]
["WALLAROO",5556,"SA",2,0,3,5556]
["KOOROONA",5558,"SA",2,0,3,5558]
["MOONTA",5558,"SA",2,0,3,5558]
["PORT HUGHES",5558,"SA",2,0,3,5558]
["PETERSVILLE",5571,"SA",2,0,3,5571]
["ARTHURTON",5572,"SA",2,0,3,5572]
["SOUTH KILKERRAN",5573,"SA",2,0,3,5573]
["COUCH BEACH",5575,"SA",2,0,3,5575]
["POINT TURTON",5575,"SA",2,0,3,5575]
["WHITE HUT",5575,"SA",2,0,3,5575]
["FOUL BAY",5577,"SA",2,0,3,5577]
["CURRAMULKA",5580,"SA",2,0,3,5580]
["WHYALLA",5600,"SA",2,0,3,5600]
["MIDGEE",5602,"SA",2,0,3,5602]
["HINCKS",5603,"SA",2,0,3,5603]
["TUMBY BAY",5605,"SA",2,0,3,5605]
["FOUNTAIN",5607,"SA",2,0,3,5607]
["KELLIDIE BAY",5607,"SA",2,0,3,5607]
["MITCHELL",5607,"SA",2,0,3,5607]
["POONINDIE",5607,"SA",2,0,3,5607]
["SLEAFORD",5607,"SA",2,0,3,5607]
["WANILLA",5607,"SA",2,0,3,5607]
["WHITES RIVER",5607,"SA",2,0,3,5607]
["WHYALLA JENKINS",5609,"SA",1,0,2,5609]
["CLEVE",5640,"SA",2,0,3,5640]
["WADDIKEE",5640,"SA",2,0,3,5640]
["PINKAWILLINIE",5641,"SA",2,0,3,5641]
["HAMBIDGE",5642,"SA",2,0,3,5642]
["WARRAMBOO",5650,"SA",2,0,3,5650]
["BOCKELBERG",5655,"SA",2,0,3,5655]
["WALLALA",5661,"SA",2,0,3,5661]
["COLTON",5670,"SA",2,0,3,5670]
["TALIA",5670,"SA",2,0,3,5670]
["CALCA",5671,"SA",2,0,3,5671]
["CHINBINGINA",5680,"SA",2,0,3,5680]
["PERLUBIE",5680,"SA",2,0,3,5680]
["PUREBA",5680,"SA",2,0,3,5680]
["CHARRA",5690,"SA",2,0,3,5690]
["NUNDROO",5690,"SA",2,0,3,5690]
["UWORRA",5690,"SA",2,0,3,5690]
["PORT AUGUSTA WEST",5700,"SA",2,0,3,5700]
["WAMI KATA",5700,"SA",2,0,3,5700]
["TARCOOLA",5710,"SA",2,0,3,5710]
["OLYMPIC DAM",5725,"SA",2,0,3,5725]
["BLINMAN",5730,"SA",2,0,3,5730]
["WITCHELINA",5731,"SA",2,0,3,5731]
["NEPABUNNA",5732,"SA",2,0,3,5732]
["KINGS PARK",6005,"WA",1,0,2,6005]
["CRAWLEY",6009,"WA",1,1,1,6009]
["CLAREMONT",6010,"WA",1,1,1,6010]
["WEMBLEY",6014,"WA",1,1,2,6014]
["INNALOO",6018,"WA",1,1,2,6018]
["KARRINYUP",6018,"WA",1,1,2,6018]
["HAMERSLEY",6022,"WA",1,1,2,6022]
["KINGSLEY",6026,"WA",1,1,2,6026]
["CONNOLLY",6027,"WA",1,1,2,6027]
["KINROSS",6028,"WA",1,1,2,6028]
["BANKSIA GROVE",6031,"WA",2,1,3,6031]
["CARABOODA",6033,"WA",2,1,3,6033]
["GABBADAH",6041,"WA",3,0,4,6041]
["WOODRIDGE",6041,"WA",3,0,4,6041]
["MENORA",6050,"WA",1,1,2,6050]
["EDEN HILL",6054,"WA",2,1,3,6054]
["GUILDFORD",6055,"WA",2,1,3,6055]
["GREENMOUNT",6056,"WA",2,1,3,6056]
["JANE BROOK",6056,"WA",2,1,3,6056]
["MAIDA VALE",6057,"WA",1,1,1,6057]
["YOKINE",6060,"WA",1,1,2,6060]
["WESTMINSTER",6061,"WA",1,1,2,6061]
["MARANGAROO",6064,"WA",2,1,3,6064]
["MARIGINIUP",6065,"WA",2,1,3,6065]
["WANGARA",6065,"WA",2,1,3,6065]
["AVELEY",6069,"WA",2,1,3,6069]
["THE VINES",6069,"WA",2,1,3,6069]
["HACKETTS GULLY",6076,"WA",1,1,1,6076]
["RESERVOIR",6076,"WA",1,1,1,6076]
["GIDGEGANNUP",6083,"WA",2,0,3,6083]
["LOWER CHITTERING",6084,"WA",2,0,3,6084]
["EAST VICTORIA PARK",6101,"WA",1,1,2,6101]
["BELMONT",6104,"WA",1,1,2,6104]
["BECKENHAM",6107,"WA",2,1,3,6107]
["WILSON",6107,"WA",2,1,3,6107]
["HUNTINGDALE",6110,"WA",2,1,3,6110]
["ROLEYSTONE",6111,"WA",2,1,3,6111]
["FORRESTDALE",6112,"WA",2,1,3,6112]
["PIARA WATERS",6112,"WA",2,1,3,6112]
["CARDUP",6122,"WA",1,0,2,6122]
["SERPENTINE",6125,"WA",{"$f":"MAX(F13443-1,1)","v":1},0,2,6125]
["ROSSMOYNE",6148,"WA",1,1,2,6148]
["MURDOCH",6150,"WA",1,1,2,6150]
["MANNING",6152,"WA",1,1,2,6152]
["BRENTWOOD",6153,"WA",1,1,2,6153]
["MELVILLE",6156,"WA",1,1,2,6156]
["ROTTNEST ISLAND",6161,"WA",1,0,1,6161]
["COOLBELLUP",6163,"WA",2,1,3,6163]
["O'CONNOR",6163,"WA",2,1,3,6163]
["BEELIAR",6164,"WA",2,1,3,6164]
["NAVAL BASE",6165,"WA",{"$f":"MAX(F13507-1,1)","v":2},0,3,6165]
["CALISTA",6167,"WA",2,0,3,6167]
["MEDINA",6167,"WA",2,0,3,6167]
["GARDEN ISLAND",6168,"WA",2,0,3,6168]
["BALDIVIS",6171,"WA",2,0,3,6171]
["PORT KENNEDY",6172,"WA",2,0,3,6172]
["STAKE HILL",6181,"WA",2,0,3,6181]
["OAKLEY",6208,"WA",2,0,3,6208]
["PINJARRA",6208,"WA",2,0,3,6208]
["GREENFIELDS",6210,"WA",2,0,3,6210]
["SILVER SANDS",6210,"WA",2,0,3,6210]
["BOUVARD",6211,"WA",3,0,4,6211]
["TEESDALE",6213,"WA",2,0,3,6213]
["PRESTON BEACH",6215,"WA",3,0,4,6215]
["HARVEY",6220,"WA",3,0,4,6220]
["BEELA",6224,"WA",3,0,4,6224]
["ALLANSON",6225,"WA",3,0,4,6225]
["MUMBALLUP",6225,"WA",3,0,4,6225]
["YOURDAMUNG LAKE",6225,"WA",3,0,4,6225]
["PICTON EAST",6229,"WA",2,0,3,6229]
["GLEN IRIS",6230,"WA",2,0,3,6230]
["AUSTRALIND",6233,"WA",2,0,3,6233]
["WELLESLEY",6233,"WA",2,0,3,6233]
["WELLINGTON FOREST",6236,"WA",2,0,3,6236]
["ARGYLE",6239,"WA",1,0,2,6239]
["GLEN MERVYN",6239,"WA",1,0,2,6239]
["WILGA WEST",6243,"WA",1,0,2,6243]
["KULIKUP",6244,"WA",2,0,3,6244]
["NEWLANDS",6251,"WA",1,0,2,6251]
["BRIDGETOWN",6255,"WA",2,0,3,6255]
["WINNEJUP",6255,"WA",2,0,3,6255]
["CROWEA",6258,"WA",2,0,3,6258]
["JARDEE",6258,"WA",2,0,3,6258]
["MIDDLESEX",6258,"WA",2,0,3,6258]
["WILGARRUP",6258,"WA",2,0,3,6258]
["CHANNYBEARUP",6260,"WA",2,0,3,6260]
["MEERUP",6262,"WA",2,0,3,6262]
["PEPPERMINT GROVE BEACH",6271,"WA",2,0,3,6271]
["CUNDINUP",6275,"WA",2,0,3,6275]
["ABBA RIVER",6280,"WA",1,0,2,6280]
["BOALLIA",6280,"WA",1,0,2,6280]
["JINDONG",6280,"WA",1,0,2,6280]
["NORTH JINDONG",6280,"WA",1,0,2,6280]
["WONNERUP",6280,"WA",1,0,2,6280]
["YELVERTON",6280,"WA",1,0,2,6280]
["YALLINGUP SIDING",6282,"WA",1,0,2,6282]
["BRAMLEY",6285,"WA",1,0,2,6285]
["ROSA GLEN",6285,"WA",1,0,2,6285]
["NILLUP",6288,"WA",{"$f":"MAX(F13827-1,1)","v":1},0,2,6288]
["WARNER GLEN",6288,"WA",1,0,2,6288]
["BALLADONG",6302,"WA",3,0,4,6302]
["KAURING",6302,"WA",3,0,4,6302]
["MALEBELLING",6302,"WA",3,0,4,6302]
["BALLY BALLY",6304,"WA",3,0,4,6304]
["BULYEE",6306,"WA",2,0,3,6306]
["JELCOBINE",6306,"WA",2,0,3,6306]
["WEST PINGELLY",6308,"WA",2,0,3,6308]
["DRYANDRA",6311,"WA",2,0,3,6311]
["LOL GRAY",6311,"WA",2,0,3,6311]
["YILLIMINNING",6312,"WA",2,0,3,6312]
["GUNDARING",6315,"WA",2,0,3,6315]
["PIESSEVILLE",6315,"WA",2,0,3,6315]
["WOODANILLING",6316,"WA",2,0,3,6316]
["KATANNING",6317,"WA",2,0,3,6317]
["SOUTH DATATINE",6317,"WA",2,0,3,6317]
["BORDERDALE",6320,"WA",2,0,3,6320]
["CRANBROOK",6321,"WA",2,0,3,6321]
["PERILLUP",6324,"WA",2,0,3,6324]
["CHEYNES",6328,"WA",2,0,3,6328]
["METTLER",6328,"WA",2,0,3,6328]
["CENTENNIAL PARK",6330,"WA",1,0,2,6330]
["EMU POINT",6330,"WA",1,0,2,6330]
["KING RIVER",6330,"WA",1,0,2,6330]
["MCKAIL",6330,"WA",1,0,2,6330]
["MIRA MAR",6330,"WA",1,0,2,6330]
["ORANA",6330,"WA",1,0,2,6330]
["TORBAY",6330,"WA",1,0,2,6330]
["WILLYUNG",6330,"WA",1,0,2,6330]
["KORDABUP",6333,"WA",1,0,2,6333]
["SCOTSDALE",6333,"WA",1,0,2,6333]
["GNOWANGERUP",6335,"WA",2,0,3,6335]
["MINDARABIN",6336,"WA",2,0,3,6336]
["JACUP",6337,"WA",2,0,3,6337]
["MONJEBUP",6338,"WA",2,0,3,6338]
["JERDACUTTUP",6346,"WA",2,0,3,6346]
["NAIRIBIN",6350,"WA",2,0,3,6350]
["NORTH KUKERIN",6352,"WA",2,0,3,6352]
["NORTH LAKE GRACE",6353,"WA",{"$f":"MAX(F14083-1,1)","v":2},0,3,6353]
["HOLT ROCK",6355,"WA",2,0,3,6355]
["SOUTH NEWDEGATE",6355,"WA",2,0,3,6355]
["KARLGARIN",6358,"WA",2,0,3,6358]
["SOUTH KUMMININ",6368,"WA",3,0,4,6368]
["WADDERIN",6369,"WA",3,0,4,6369]
["MALYALLING",6370,"WA",2,0,3,6370]
["CORRIGIN",6375,"WA",2,0,3,6375]
["QUAIRADING",6383,"WA",3,0,4,6383]
["KWOLYIN",6385,"WA",3,0,4,6385]
["BODDINGTON",6390,"WA",{"$f":"MAX(F14147-1,1)","v":2},0,3,6390]
["BOKAL",6392,"WA",2,0,3,6392]
["BEAUFORT RIVER",6394,"WA",2,0,3,6394]
["BOSCABEL",6394,"WA",2,0,3,6394]
["LUMEAH",6395,"WA",2,0,3,6395]
["FRANKLAND RIVER",6396,"WA",2,0,3,6396]
["MEENAAR",6401,"WA",3,0,4,6401]
["ROSSMORE",6401,"WA",3,0,4,6401]
["SPENCERS BROOK",6401,"WA",3,0,4,6401]
["WAEEL",6407,"WA",3,0,4,6407]
["NORTH KELLERBERRIN",6410,"WA",3,0,4,6410]
["HINES HILL",6413,"WA",3,0,4,6413]
["NORPA",6415,"WA",3,0,4,6415]
["WALGOOLAN",6422,"WA",3,0,4,6422]
["CARRABIN",6423,"WA",3,0,4,6423]
["HOLLETON",6426,"WA",3,0,4,6426]
["SOUTH YILGARN",6426,"WA",3,0,4,6426]
["YELLOWDINE",6426,"WA",3,0,4,6426]
["VICTORIA ROCK",6429,"WA",3,0,4,6429]
["BINDULI",6430,"WA",4,0,5,6430]
["WEST KALGOORLIE",6430,"WA",4,0,5,6430]
["FEYSVILLE",6431,"WA",3,0,4,6431]
["KURNALPI",6431,"WA",3,0,4,6431]
["VICTORY HEIGHTS",6432,"WA",4,0,5,6432]
["RAWLINNA",6434,"WA",3,0,4,6434]
["BANDYA",6440,"WA",3,0,4,6440]
["CAIGUNA",6443,"WA",3,0,4,6443]
["EUCLA",6443,"WA",3,0,4,6443]
["GRASS PATCH",6446,"WA",2,0,3,6446]
["WITTENOOM HILLS",6447,"WA",2,0,3,6447]
["CHADWICK",6450,"WA",2,0,3,6450]
["MONJINGUP",6450,"WA",2,0,3,6450]
["BURAMINYA",6452,"WA",2,0,3,6452]
["GOOMALLING",6460,"WA",3,0,4,6460]
["UCARTY",6462,"WA",3,0,4,6462]
["MANMANNING",6465,"WA",3,0,4,6465]
["BIMBIJY",6472,"WA",3,0,4,6472]
["NORTH WIALKI",6473,"WA",3,0,4,6473]
["MOLLERIN",6475,"WA",3,0,4,6475]
["LAKE BROWN",6479,"WA",3,0,4,6479]
["WATTONING",6479,"WA",3,0,4,6479]
["NALKAIN",6485,"WA",3,0,4,6485]
["SOUTH KUNUNOPPIN",6489,"WA",3,0,4,6489]
["BURRAN ROCK",6490,"WA",3,0,4,6490]
["BEERMULLAH",6503,"WA",3,0,4,6503]
["LENNARD BROOK",6503,"WA",3,0,4,6503]
["MINDARRA",6503,"WA",3,0,4,6503]
["MOGUMBER",6506,"WA",3,0,4,6506]
["NEW NORCIA",6509,"WA",3,0,4,6509]
["BARBERTON",6510,"WA",3,0,4,6510]
["WALEBING",6510,"WA",3,0,4,6510]
["JURIEN BAY",6516,"WA",3,0,4,6516]
["ARRINO",6519,"WA",3,0,4,6519]
["GREY",6521,"WA",3,0,4,6521]
["BUNDANOON",6522,"WA",3,0,4,6522]
["MOORIARY",6522,"WA",3,0,4,6522]
["MOUNT ADAMS",6525,"WA",3,0,4,6525]
["YARDARINO",6525,"WA",3,0,4,6525]
["BEACHLANDS",6530,"WA",3,0,4,6530]
["MERU",6530,"WA",3,0,4,6530]
["WEST END",6530,"WA",3,0,4,6530]
["BOOTENAL",6532,"WA",2,0,3,6532]
["CAPE BURNEY",6532,"WA",2,0,3,6532]
["EAST YUNA",6532,"WA",2,0,3,6532]
["GLENFIELD",6532,"WA",2,0,3,6532]
["MARRAH",6532,"WA",2,0,3,6532]
["NABAWA",6532,"WA",2,0,3,6532]
["NARRA TARRA",6532,"WA",2,0,3,6532]
["TIBRADDEN",6532,"WA",2,0,3,6532]
["WICHERINA",6532,"WA",2,0,3,6532]
["EAST BOWES",6535,"WA",3,0,4,6535]
["KALBARRI",6536,"WA",3,0,4,6536]
["NANGA",6537,"WA",2,0,3,6537]
["GORRIE",6556,"WA",1,0,2,6556]
["COPLEY",6562,"WA",3,0,4,6562]
["CULHAM",6566,"WA",3,0,4,6566]
["JULIMAR",6567,"WA",3,0,4,6567]
["YERECOIN",6571,"WA",{"$f":"MAX(F14659-1,1)","v":3},0,4,6571]
["KONNONGORRING",6603,"WA",3,0,4,6603]
["WEST BALLIDU",6606,"WA",3,0,4,6606]
["DALWALLINU",6609,"WA",3,0,4,6609]
["MAYA",6614,"WA",3,0,4,6614]
["KOOLANOOKA",6623,"WA",3,0,4,6623]
["DEVILS CREEK",6630,"WA",3,0,4,6630]
["AMBANIA",6632,"WA",3,0,4,6632]
["COOLADAR HILL",6638,"WA",3,0,4,6638]
["REEDY",6640,"WA",3,0,4,6640]
["LAKE CARNEGIE",6646,"WA",{"$f":"MAX(F14723-1,1)","v":3},0,4,6646]
["BROCKMAN",6701,"WA",2,0,3,6701]
["GREYS PLAIN",6701,"WA",2,0,3,6701]
["LYNDON",6701,"WA",2,0,3,6701]
["SOUTH PLANTATIONS",6701,"WA",2,0,3,6701]
["WEST LYONS RIVER",6705,"WA",2,0,3,6705]
["EXMOUTH GULF",6707,"WA",2,0,3,6707]
["THEVENARD ISLAND",6711,"WA",2,0,3,6711]
["GAP RIDGE",6714,"WA",2,0,3,6714]
["GNOOREA",6714,"WA",2,0,3,6714]
["PEGS CREEK",6714,"WA",2,0,3,6714]
["POINT SAMSON",6720,"WA",2,0,3,6720]
["WICKHAM",6720,"WA",2,0,3,6720]
["FINUCANE",6722,"WA",3,0,4,6722]
["GINGERAH",6725,"WA",2,0,3,6725]
["MINYIRR",6725,"WA",2,0,3,6725]
["ST GEORGE RANGES",6728,"WA",2,0,3,6728]
["OOMBULGURRI",6740,"WA",2,0,3,6740]
["PRINCE REGENT RIVER",6740,"WA",2,0,3,6740]
["MOUNT SHEILA",6751,"WA",{"$f":"MAX(F14851-1,1)","v":2},0,3,6751]
["NANUTARRA",6751,"WA",2,0,3,6751]
["FITZROY CROSSING",6765,"WA",2,0,3,6765]
["STURT CREEK",6770,"WA",2,0,3,6770]
["QUEENS DOMAIN",7000,"TAS",1,0,1,7000]
["LOWER SANDY BAY",7005,"TAS",1,0,1,7005]
["LUTANA",7009,"TAS",1,0,1,7009]
["ROSETTA",7010,"TAS",1,0,1,7010]
["CLAREMONT",7011,"TAS",1,0,1,7011]
["HONEYWOOD",7017,"TAS",1,0,2,7017]
["BELLERIVE",7018,"TAS",{"$f":"MAX(F14915-1,1)","v":1},0,1,7018]
["CLARENDON VALE",7019,"TAS",1,0,1,7019]
["OPOSSUM BAY",7023,"TAS",1,0,1,7023]
["CAMPANIA",7026,"TAS",1,0,2,7026]
["BRIGHTON",7030,"TAS",1,0,2,7030]
["ELDERSLIE",7030,"TAS",1,0,2,7030]
["LAKE SORELL",7030,"TAS",1,0,2,7030]
["MORASS BAY",7030,"TAS",1,0,2,7030]
["STEPPES",7030,"TAS",1,0,2,7030]
["BONNET HILL",7053,"TAS",1,0,1,7053]
["LOWER SNUG",7054,"TAS",1,0,1,7054]
["TINDERBOX",7054,"TAS",1,0,1,7054]
["GLENDEVIE",7109,"TAS",1,0,2,7109]
["IDA BAY",7109,"TAS",1,0,2,7109]
["MOUNTAIN RIVER",7109,"TAS",1,0,2,7109]
["WATERLOO",7109,"TAS",1,0,2,7109]
["CYGNET",7112,"TAS",1,0,2,7112]
["VERONA SANDS",7112,"TAS",1,0,2,7112]
["DOVER",7117,"TAS",1,0,2,7117]
["ANDOVER",7120,"TAS",1,0,2,7120]
["PAWTELLA",7120,"TAS",1,0,2,7120]
["TUNBRIDGE",7120,"TAS",1,0,2,7120]
["BLACK HILLS",7140,"TAS",1,0,2,7140]
["DEE",7140,"TAS",1,0,2,7140]
["GLENFERN",7140,"TAS",1,0,2,7140]
["LAKE ST CLAIR",7140,"TAS",1,0,2,7140]
["MOUNT FIELD",7140,"TAS",1,0,2,7140]
["MOUNT LLOYD",7140,"TAS",1,0,2,7140]
["UXBRIDGE",7140,"TAS",1,0,2,7140]
["APOLLO BAY",7150,"TAS",1,0,2,7150]
["BARNES BAY",7150,"TAS",1,0,2,7150]
["LUNAWANNA",7150,"TAS",1,0,2,7150]
["MAWSON",7151,"TAS",{"$error":"#N/A"},0,{"$error":"#N/A"},7151]
["MIDDLETON",7163,"TAS",1,0,2,7163]
["PENNA",7171,"TAS",1,0,2,7171]
["CONNELLYS MARSH",7173,"TAS",1,0,2,7173]
["BREAM CREEK",7175,"TAS",1,0,2,7175]
["EAGLEHAWK NECK",7179,"TAS",3,0,4,7179]
["NUBEENA",7184,"TAS",3,0,4,7184]
["APSLAWN",7190,"TAS",3,0,4,7190]
["ROCKY HILLS",7190,"TAS",3,0,4,7190]
["TOOMS LAKE",7209,"TAS",1,0,2,7209]
["BEN LOMOND",7212,"TAS",1,0,2,7212]
["AVOCA",7213,"TAS",1,0,2,7213]
["ROYAL GEORGE",7213,"TAS",1,0,2,7213]
["FINGAL",7214,"TAS",1,0,2,7214]
["MANGANA",7214,"TAS",1,0,2,7214]
["MATHINNA",7214,"TAS",1,0,2,7214]
["UPPER ESK",7214,"TAS",1,0,2,7214]
["BEAUMARIS",7215,"TAS",1,0,2,7215]
["BICHENO",7215,"TAS",1,0,2,7215]
["CHAIN OF LAGOONS",7215,"TAS",1,0,2,7215]
["COLES BAY",7215,"TAS",1,0,2,7215]
["CORNWALL",7215,"TAS",1,0,2,7215]
["DOUGLAS RIVER",7215,"TAS",1,0,2,7215]
["FALMOUTH",7215,"TAS",1,0,2,7215]
["FOUR MILE CREEK",7215,"TAS",1,0,2,7215]
["FREYCINET",7215,"TAS",1,0,2,7215]
["FRIENDLY BEACHES",7215,"TAS",1,0,2,7215]
["GRAY",7215,"TAS",1,0,2,7215]
["SCAMANDER",7215,"TAS",1,0,2,7215]
["SEYMOUR",7215,"TAS",1,0,2,7215]
["ST MARYS",7215,"TAS",1,0,2,7215]
["UPPER SCAMANDER",7215,"TAS",1,0,2,7215]
["AKAROA",7216,"TAS",1,0,2,7216]
["ANSONS BAY",7216,"TAS",1,0,2,7216]
["BINALONG BAY",7216,"TAS",1,0,2,7216]
["GOSHEN",7216,"TAS",1,0,2,7216]
["GOULDS COUNTRY",7216,"TAS",1,0,2,7216]
["LOTTAH",7216,"TAS",1,0,2,7216]
["PYENGANA",7216,"TAS",1,0,2,7216]
["ST HELENS",7216,"TAS",1,0,2,7216]
["STEIGLITZ",7216,"TAS",1,0,2,7216]
["THE GARDENS",7216,"TAS",1,0,2,7216]
["INVERMAY",7248,"TAS",1,0,2,7248]
["MAYFIELD",7248,"TAS",1,0,2,7248]
["MOWBRAY",7248,"TAS",{"$f":"MAX(F15235-1,1)","v":1},0,2,7248]
["NEWNHAM",7248,"TAS",1,0,2,7248]
["ROCHERLEA",7248,"TAS",1,0,2,7248]
["KINGS MEADOWS",7249,"TAS",1,0,2,7249]
["PUNCHBOWL",7249,"TAS",1,0,2,7249]
["SANDHILL",7249,"TAS",1,0,2,7249]
["SOUTH LAUNCESTON",7249,"TAS",1,0,2,7249]
["YOUNGTOWN",7249,"TAS",1,0,2,7249]
["BLACKSTONE HEIGHTS",7250,"TAS",1,0,2,7250]
["EAST LAUNCESTON",7250,"TAS",1,0,2,7250]
["LAUNCESTON",7250,"TAS",1,0,2,7250]
["NEWSTEAD",7250,"TAS",1,0,2,7250]
["NORWOOD",7250,"TAS",1,0,2,7250]
["PROSPECT",7250,"TAS",1,0,2,7250]
["PROSPECT VALE",7250,"TAS",1,0,2,7250]
["RAVENSWOOD",7250,"TAS",1,0,2,7250]
["RIVERSIDE",7250,"TAS",1,0,2,7250]
["ST LEONARDS",7250,"TAS",1,0,2,7250]
["SUMMERHILL",7250,"TAS",1,0,2,7250]
["TRAVELLERS REST",7250,"TAS",1,0,2,7250]
["TREVALLYN",7250,"TAS",1,0,2,7250]
["WAVERLEY",7250,"TAS",1,0,2,7250]
["WEST LAUNCESTON",7250,"TAS",1,0,2,7250]
["BEECHFORD",7252,"TAS",1,0,2,7252]
["DILSTON",7252,"TAS",1,0,2,7252]
["HILLWOOD",7252,"TAS",1,0,2,7252]
["LEFROY",7252,"TAS",1,0,2,7252]
["LULWORTH",7252,"TAS",1,0,2,7252]
["MOUNT DIRECTION",7252,"TAS",1,0,2,7252]
["PIPERS RIVER",7252,"TAS",1,0,2,7252]
["STONY HEAD",7252,"TAS",1,0,2,7252]
["SWAN BAY",7252,"TAS",1,0,2,7252]
["WEYMOUTH",7252,"TAS",1,0,2,7252]
["WINDERMERE",7252,"TAS",1,0,2,7252]
["BELL BAY",7253,"TAS",1,0,2,7253]
["GEORGE TOWN",7253,"TAS",1,0,2,7253]
["LONG REACH",7253,"TAS",1,0,2,7253]
["LOW HEAD",7253,"TAS",1,0,2,7253]
["BELLINGHAM",7254,"TAS",1,0,2,7254]
["GOLCONDA",7254,"TAS",1,0,2,7254]
["LEBRINA",7254,"TAS",1,0,2,7254]
["PIPERS BROOK",7254,"TAS",1,0,2,7254]
["RETREAT",7254,"TAS",1,0,2,7254]
["TUNNEL",7254,"TAS",1,0,2,7254]
["WYENA",7254,"TAS",1,0,2,7254]
["BLUE ROCKS",7255,"TAS",1,0,2,7255]
["EMITA",7255,"TAS",1,0,2,7255]
["KILLIECRANKIE",7255,"TAS",1,0,2,7255]
["LACKRANA",7255,"TAS",1,0,2,7255]
["LADY BARRON",7255,"TAS",1,0,2,7255]
["LEEKA",7255,"TAS",1,0,2,7255]
["LOCCOTA",7255,"TAS",1,0,2,7255]
["LUGHRATA",7255,"TAS",1,0,2,7255]
["MEMANA",7255,"TAS",1,0,2,7255]
["PALANA",7255,"TAS",1,0,2,7255]
["RANGA",7255,"TAS",1,0,2,7255]
["STRZELECKI",7255,"TAS",1,0,2,7255]
["WHITEMARK",7255,"TAS",1,0,2,7255]
["WINGAROO",7255,"TAS",1,0,2,7255]
["BUNGAREE",7256,"TAS",1,0,2,7256]
["CURRIE",7256,"TAS",1,0,2,7256]
["EGG LAGOON",7256,"TAS",1,0,2,7256]
["GRASSY",7256,"TAS",1,0,2,7256]
["LOORANA",7256,"TAS",1,0,2,7256]
["LYMWOOD",7256,"TAS",{"$f":"MAX(F15299-1,1)","v":1},0,2,7256]
["NARACOOPA",7256,"TAS",1,0,2,7256]
["NUGARA",7256,"TAS",1,0,2,7256]
["PEARSHAPE",7256,"TAS",1,0,2,7256]
["PEGARAH",7256,"TAS",1,0,2,7256]
["REEKARA",7256,"TAS",1,0,2,7256]
["SEA ELEPHANT",7256,"TAS",1,0,2,7256]
["SURPRISE BAY",7256,"TAS",1,0,2,7256]
["WICKHAM",7256,"TAS",1,0,2,7256]
["YAMBACOONA",7256,"TAS",1,0,2,7256]
["YARRA CREEK",7256,"TAS",1,0,2,7256]
["CAPE BARREN ISLAND",7257,"TAS",1,0,2,7257]
["BREADALBANE",7258,"TAS",1,0,2,7258]
["RELBIA",7258,"TAS",1,0,2,7258]
["WHITE HILLS",7258,"TAS",1,0,2,7258]
["MYRTLE BANK",7259,"TAS",1,0,2,7259]
["NUNAMARA",7259,"TAS",1,0,2,7259]
["PATERSONIA",7259,"TAS",1,0,2,7259]
["TARGA",7259,"TAS",1,0,2,7259]
["TAYENE",7259,"TAS",1,0,2,7259]
["BLUMONT",7260,"TAS",1,0,2,7260]
["CUCKOO",7260,"TAS",1,0,2,7260]
["FORESTER",7260,"TAS",1,0,2,7260]
["JETSONVILLE",7260,"TAS",1,0,2,7260]
["KAMONA",7260,"TAS",1,0,2,7260]
["LIETINNA",7260,"TAS",1,0,2,7260]
["LISLE",7260,"TAS",1,0,2,7260]
["NABOWLA",7260,"TAS",1,0,2,7260]
["NORTH SCOTTSDALE",7260,"TAS",1,0,2,7260]
["SCOTTSDALE",7260,"TAS",1,0,2,7260]
["SOUTH SPRINGFIELD",7260,"TAS",1,0,2,7260]
["SPRINGFIELD",7260,"TAS",1,0,2,7260]
["TONGANAH",7260,"TAS",1,0,2,7260]
["TULENDEENA",7260,"TAS",1,0,2,7260]
["WEST SCOTTSDALE",7260,"TAS",1,0,2,7260]
["BRANXHOLM",7261,"TAS",1,0,2,7261]
["WARRENTINNA",7261,"TAS",1,0,2,7261]
["BRIDPORT",7262,"TAS",1,0,2,7262]
["TOMAHAWK",7262,"TAS",1,0,2,7262]
["WATERHOUSE",7262,"TAS",1,0,2,7262]
["ALBERTON",7263,"TAS",1,0,2,7263]
["LEGERWOOD",7263,"TAS",1,0,2,7263]
["RINGAROOMA",7263,"TAS",1,0,2,7263]
["TALAWA",7263,"TAS",1,0,2,7263]
["TRENAH",7263,"TAS",1,0,2,7263]
["BOOBYALLA",7264,"TAS",1,0,2,7264]
["CAPE PORTLAND",7264,"TAS",1,0,2,7264]
["DERBY",7264,"TAS",1,0,2,7264]
["EDDYSTONE",7264,"TAS",1,0,2,7264]
["EDDYSTONE POINT",7264,"TAS",1,0,2,7264]
["GLADSTONE",7264,"TAS",1,0,2,7264]
["HERRICK",7264,"TAS",1,0,2,7264]
["MOORINA",7264,"TAS",1,0,2,7264]
["MUSSELROE BAY",7264,"TAS",1,0,2,7264]
["PIONEER",7264,"TAS",1,0,2,7264]
["RUSHY LAGOON",7264,"TAS",1,0,2,7264]
["SOUTH MOUNT CAMERON",7264,"TAS",1,0,2,7264]
["TELITA",7264,"TAS",1,0,2,7264]
["WELDBOROUGH",7264,"TAS",1,0,2,7264]
["BANCA",7265,"TAS",1,0,2,7265]
["WINNALEAH",7265,"TAS",1,0,2,7265]
["BANGOR",7267,"TAS",1,0,2,7267]
["KAROOLA",7267,"TAS",1,0,2,7267]
["LALLA",7267,"TAS",1,0,2,7267]
["LOWER TURNERS MARSH",7267,"TAS",{"$f":"MAX(F15363-1,1)","v":1},0,2,7267]
["TURNERS MARSH",7267,"TAS",1,0,2,7267]
["LILYDALE",7268,"TAS",1,0,2,7268]
["NORTH LILYDALE",7268,"TAS",1,0,2,7268]
["UNDERWOOD",7268,"TAS",1,0,2,7268]
["BADGER HEAD",7270,"TAS",1,0,2,7270]
["BEACONSFIELD",7270,"TAS",1,0,2,7270]
["BEAUTY POINT",7270,"TAS",1,0,2,7270]
["CLARENCE POINT",7270,"TAS",1,0,2,7270]
["FLOWERY GULLY",7270,"TAS",1,0,2,7270]
["GREENS BEACH",7270,"TAS",1,0,2,7270]
["KAYENA",7270,"TAS",1,0,2,7270]
["KELSO",7270,"TAS",1,0,2,7270]
["ROWELLA",7270,"TAS",1,0,2,7270]
["SIDMOUTH",7270,"TAS",1,0,2,7270]
["YORK TOWN",7270,"TAS",1,0,2,7270]
["BLACKWALL",7275,"TAS",1,0,2,7275]
["DEVIOT",7275,"TAS",1,0,2,7275]
["EXETER",7275,"TAS",1,0,2,7275]
["FRANKFORD",7275,"TAS",1,0,2,7275]
["GLENGARRY",7275,"TAS",1,0,2,7275]
["HOLWELL",7275,"TAS",1,0,2,7275]
["LANENA",7275,"TAS",1,0,2,7275]
["LOIRA",7275,"TAS",1,0,2,7275]
["NOTLEY HILLS",7275,"TAS",1,0,2,7275]
["ROBIGANA",7275,"TAS",1,0,2,7275]
["SWAN POINT",7275,"TAS",1,0,2,7275]
["WINKLEIGH",7275,"TAS",1,0,2,7275]
["GRAVELLY BEACH",7276,"TAS",1,0,2,7276]
["BRIDGENORTH",7277,"TAS",1,0,2,7277]
["GRINDELWALD",7277,"TAS",1,0,2,7277]
["LEGANA",7277,"TAS",1,0,2,7277]
["ROSEVEARS",7277,"TAS",1,0,2,7277]
["HADSPEN",7290,"TAS",1,0,2,7290]
["CARRICK",7291,"TAS",1,0,2,7291]
["HAGLEY",7292,"TAS",1,0,2,7292]
["QUAMBY BEND",7292,"TAS",1,0,2,7292]
["ROSEVALE",7292,"TAS",1,0,2,7292]
["SELBOURNE",7292,"TAS",1,0,2,7292]
["WESTWOOD",7292,"TAS",1,0,2,7292]
["DEVON HILLS",7300,"TAS",1,0,2,7300]
["PERTH",7300,"TAS",1,0,2,7300]
["POWRANNA",7300,"TAS",1,0,2,7300]
["BISHOPSBOURNE",7301,"TAS",1,0,2,7301]
["BLACKWOOD CREEK",7301,"TAS",1,0,2,7301]
["LIFFEY",7301,"TAS",1,0,2,7301]
["LONGFORD",7301,"TAS",1,0,2,7301]
["TOIBERRY",7301,"TAS",1,0,2,7301]
["BRACKNELL",7302,"TAS",1,0,2,7302]
["CRESSY",7302,"TAS",1,0,2,7302]
["POATINA",7302,"TAS",1,0,2,7302]
["BIRRALEE",7303,"TAS",1,0,2,7303]
["CLUAN",7303,"TAS",1,0,2,7303]
["EXTON",7303,"TAS",1,0,2,7303]
["OAKS",7303,"TAS",1,0,2,7303]
["OSMASTON",7303,"TAS",1,0,2,7303]
["WESTBURY",7303,"TAS",1,0,2,7303]
["WHITEMORE",7303,"TAS",1,0,2,7303]
["BRANDUM",7304,"TAS",1,0,2,7304]
["BREONA",7304,"TAS",1,0,2,7304]
["CAVESIDE",7304,"TAS",1,0,2,7304]
["CENTRAL PLATEAU",7304,"TAS",1,0,2,7304]
["CHUDLEIGH",7304,"TAS",1,0,2,7304]
["DAIRY PLAINS",7304,"TAS",1,0,2,7304]
["DELORAINE",7304,"TAS",{"$f":"MAX(F15427-1,1)","v":1},0,2,7304]
["DOCTORS POINT",7304,"TAS",1,0,2,7304]
["DUNORLAN",7304,"TAS",1,0,2,7304]
["ELIZABETH TOWN",7304,"TAS",1,0,2,7304]
["GOLDEN VALLEY",7304,"TAS",1,0,2,7304]
["JACKEYS MARSH",7304,"TAS",1,0,2,7304]
["KIMBERLEY",7304,"TAS",1,0,2,7304]
["LIENA",7304,"TAS",1,0,2,7304]
["MAYBERRY",7304,"TAS",1,0,2,7304]
["MEANDER",7304,"TAS",1,0,2,7304]
["MERSEY FOREST",7304,"TAS",1,0,2,7304]
["MOLE CREEK",7304,"TAS",1,0,2,7304]
["MOLTEMA",7304,"TAS",1,0,2,7304]
["MONTANA",7304,"TAS",1,0,2,7304]
["NEEDLES",7304,"TAS",1,0,2,7304]
["PARKHAM",7304,"TAS",1,0,2,7304]
["QUAMBY BROOK",7304,"TAS",1,0,2,7304]
["RED HILLS",7304,"TAS",1,0,2,7304]
["REEDY MARSH",7304,"TAS",1,0,2,7304]
["REYNOLDS NECK",7304,"TAS",1,0,2,7304]
["WEEGENA",7304,"TAS",1,0,2,7304]
["WEETAH",7304,"TAS",1,0,2,7304]
["WESTERN CREEK",7304,"TAS",1,0,2,7304]
["MERSEYLEA",7305,"TAS",1,0,2,7305]
["RAILTON",7305,"TAS",1,0,2,7305]
["SUNNYSIDE",7305,"TAS",1,0,2,7305]
["ACACIA HILLS",7306,"TAS",1,0,2,7306]
["BARRINGTON",7306,"TAS",1,0,2,7306]
["BEULAH",7306,"TAS",1,0,2,7306]
["CETHANA",7306,"TAS",1,0,2,7306]
["CLAUDE ROAD",7306,"TAS",1,0,2,7306]
["CRADLE MOUNTAIN",7306,"TAS",1,0,2,7306]
["GOWRIE PARK",7306,"TAS",1,0,2,7306]
["LORINNA",7306,"TAS",1,0,2,7306]
["LOWER BARRINGTON",7306,"TAS",1,0,2,7306]
["LOWER BEULAH",7306,"TAS",1,0,2,7306]
["MIDDLESEX",7306,"TAS",1,0,2,7306]
["NOOK",7306,"TAS",1,0,2,7306]
["NOWHERE ELSE",7306,"TAS",1,0,2,7306]
["PARADISE",7306,"TAS",1,0,2,7306]
["PROMISED LAND",7306,"TAS",1,0,2,7306]
["ROLAND",7306,"TAS",1,0,2,7306]
["SHEFFIELD",7306,"TAS",1,0,2,7306]
["STAVERTON",7306,"TAS",1,0,2,7306]
["STOODLEY",7306,"TAS",1,0,2,7306]
["WEST KENTISH",7306,"TAS",1,0,2,7306]
["BAKERS BEACH",7307,"TAS",1,0,2,7307]
["HARFORD",7307,"TAS",1,0,2,7307]
["HAWLEY BEACH",7307,"TAS",1,0,2,7307]
["LATROBE",7307,"TAS",1,0,2,7307]
["MORIARTY",7307,"TAS",1,0,2,7307]
["NORTHDOWN",7307,"TAS",1,0,2,7307]
["PORT SORELL",7307,"TAS",1,0,2,7307]
["SASSAFRAS",7307,"TAS",1,0,2,7307]
["SHEARWATER",7307,"TAS",1,0,2,7307]
["SQUEAKING POINT",7307,"TAS",1,0,2,7307]
["THIRLSTANE",7307,"TAS",1,0,2,7307]
["WESLEY VALE",7307,"TAS",1,0,2,7307]
["ABERDEEN",7310,"TAS",1,0,2,7310]
["AMBLESIDE",7310,"TAS",1,0,2,7310]
["DEVONPORT",7310,"TAS",1,0,2,7310]
["DON",7310,"TAS",1,0,2,7310]
["EAST DEVONPORT",7310,"TAS",1,0,2,7310]
["ERRIBA",7310,"TAS",1,0,2,7310]
["EUGENANA",7310,"TAS",{"$f":"MAX(F15491-1,1)","v":1},0,2,7310]
["FORTH",7310,"TAS",1,0,2,7310]
["FORTHSIDE",7310,"TAS",1,0,2,7310]
["KINDRED",7310,"TAS",1,0,2,7310]
["LILLICO",7310,"TAS",1,0,2,7310]
["LOWER WILMOT",7310,"TAS",1,0,2,7310]
["MELROSE",7310,"TAS",1,0,2,7310]
["MIANDETTA",7310,"TAS",1,0,2,7310]
["MOINA",7310,"TAS",1,0,2,7310]
["PALOONA",7310,"TAS",1,0,2,7310]
["QUOIBA",7310,"TAS",1,0,2,7310]
["SOUTH SPREYTON",7310,"TAS",1,0,2,7310]
["SPREYTON",7310,"TAS",1,0,2,7310]
["STONY RISE",7310,"TAS",1,0,2,7310]
["TARLETON",7310,"TAS",1,0,2,7310]
["TUGRAH",7310,"TAS",1,0,2,7310]
["WILMOT",7310,"TAS",1,0,2,7310]
["ABBOTSHAM",7315,"TAS",1,0,2,7315]
["CASTRA",7315,"TAS",1,0,2,7315]
["GAWLER",7315,"TAS",1,0,2,7315]
["GUNNS PLAINS",7315,"TAS",1,0,2,7315]
["LEITH",7315,"TAS",1,0,2,7315]
["LOONGANA",7315,"TAS",1,0,2,7315]
["NIETTA",7315,"TAS",1,0,2,7315]
["NORTH MOTTON",7315,"TAS",1,0,2,7315]
["PRESTON",7315,"TAS",1,0,2,7315]
["SOUTH NIETTA",7315,"TAS",1,0,2,7315]
["SOUTH PRESTON",7315,"TAS",1,0,2,7315]
["SPALFORD",7315,"TAS",1,0,2,7315]
["SPRENT",7315,"TAS",1,0,2,7315]
["TURNERS BEACH",7315,"TAS",1,0,2,7315]
["ULVERSTONE",7315,"TAS",1,0,2,7315]
["UPPER CASTRA",7315,"TAS",1,0,2,7315]
["WEST ULVERSTONE",7315,"TAS",1,0,2,7315]
["CAMENA",7316,"TAS",1,0,2,7316]
["CUPRONA",7316,"TAS",1,0,2,7316]
["HEYBRIDGE",7316,"TAS",1,0,2,7316]
["HOWTH",7316,"TAS",1,0,2,7316]
["LOYETEA",7316,"TAS",1,0,2,7316]
["PENGUIN",7316,"TAS",1,0,2,7316]
["PRESERVATION BAY",7316,"TAS",1,0,2,7316]
["RIANA",7316,"TAS",1,0,2,7316]
["SOUTH RIANA",7316,"TAS",1,0,2,7316]
["SULPHUR CREEK",7316,"TAS",1,0,2,7316]
["WEST PINE",7316,"TAS",1,0,2,7316]
["ACTON",7320,"TAS",1,0,2,7320]
["BROOKLYN",7320,"TAS",1,0,2,7320]
["BURNIE",7320,"TAS",1,0,2,7320]
["CAMDALE",7320,"TAS",1,0,2,7320]
["COOEE",7320,"TAS",1,0,2,7320]
["DOWNLANDS",7320,"TAS",1,0,2,7320]
["EMU HEIGHTS",7320,"TAS",1,0,2,7320]
["HAVENVIEW",7320,"TAS",1,0,2,7320]
["HILLCREST",7320,"TAS",1,0,2,7320]
["MONTELLO",7320,"TAS",1,0,2,7320]
["OCEAN VISTA",7320,"TAS",1,0,2,7320]
["PARK GROVE",7320,"TAS",1,0,2,7320]
["PARKLANDS",7320,"TAS",1,0,2,7320]
["ROMAINE",7320,"TAS",1,0,2,7320]
["ROUND HILL",7320,"TAS",1,0,2,7320]
["SHOREWELL PARK",7320,"TAS",1,0,2,7320]
["SOUTH BURNIE",7320,"TAS",1,0,2,7320]
["UPPER BURNIE",7320,"TAS",1,0,2,7320]
["WIVENHOE",7320,"TAS",1,0,2,7320]
["BLACK RIVER",7321,"TAS",{"$f":"MAX(F15555-1,1)","v":1},0,2,7321]
["BOAT HARBOUR",7321,"TAS",1,0,2,7321]
["BOAT HARBOUR BEACH",7321,"TAS",1,0,2,7321]
["CHASM CREEK",7321,"TAS",1,0,2,7321]
["CORINNA",7321,"TAS",1,0,2,7321]
["COWRIE POINT",7321,"TAS",1,0,2,7321]
["CRAYFISH CREEK",7321,"TAS",1,0,2,7321]
["DETENTION",7321,"TAS",1,0,2,7321]
["EAST CAM",7321,"TAS",1,0,2,7321]
["EAST RIDGLEY",7321,"TAS",1,0,2,7321]
["EDGCUMBE BEACH",7321,"TAS",1,0,2,7321]
["GUILDFORD",7321,"TAS",1,0,2,7321]
["HAMPSHIRE",7321,"TAS",1,0,2,7321]
["HELLYER",7321,"TAS",1,0,2,7321]
["HIGHCLERE",7321,"TAS",1,0,2,7321]
["LUINA",7321,"TAS",1,0,2,7321]
["MAWBANNA",7321,"TAS",1,0,2,7321]
["MONTUMANA",7321,"TAS",1,0,2,7321]
["MOOREVILLE",7321,"TAS",1,0,2,7321]
["NATONE",7321,"TAS",1,0,2,7321]
["PARRAWE",7321,"TAS",1,0,2,7321]
["PORT LATTA",7321,"TAS",1,0,2,7321]
["RIDGLEY",7321,"TAS",1,0,2,7321]
["ROCKY CAPE",7321,"TAS",1,0,2,7321]
["SAVAGE RIVER",7321,"TAS",1,0,2,7321]
["SISTERS BEACH",7321,"TAS",1,0,2,7321]
["STOWPORT",7321,"TAS",1,0,2,7321]
["TEWKESBURY",7321,"TAS",1,0,2,7321]
["TULLAH",7321,"TAS",1,0,2,7321]
["UPPER NATONE",7321,"TAS",1,0,2,7321]
["UPPER STOWPORT",7321,"TAS",1,0,2,7321]
["WARATAH",7321,"TAS",1,0,2,7321]
["WEST MOOREVILLE",7321,"TAS",1,0,2,7321]
["WEST RIDGLEY",7321,"TAS",1,0,2,7321]
["WILTSHIRE",7321,"TAS",1,0,2,7321]
["SOMERSET",7322,"TAS",1,0,2,7322]
["CALDER",7325,"TAS",1,0,2,7325]
["DOCTORS ROCKS",7325,"TAS",1,0,2,7325]
["ELLIOTT",7325,"TAS",1,0,2,7325]
["FLOWERDALE",7325,"TAS",1,0,2,7325]
["HENRIETTA",7325,"TAS",1,0,2,7325]
["LAPOINYA",7325,"TAS",1,0,2,7325]
["MEUNNA",7325,"TAS",1,0,2,7325]
["MILABEENA",7325,"TAS",1,0,2,7325]
["MOORLEAH",7325,"TAS",1,0,2,7325]
["MOUNT HICKS",7325,"TAS",1,0,2,7325]
["MYALLA",7325,"TAS",1,0,2,7325]
["OLDINA",7325,"TAS",1,0,2,7325]
["OONAH",7325,"TAS",1,0,2,7325]
["PREOLENNA",7325,"TAS",1,0,2,7325]
["SISTERS CREEK",7325,"TAS",1,0,2,7325]
["TABLE CAPE",7325,"TAS",1,0,2,7325]
["TAKONE",7325,"TAS",1,0,2,7325]
["WEST TAKONE",7325,"TAS",1,0,2,7325]
["WYNYARD",7325,"TAS",1,0,2,7325]
["YOLLA",7325,"TAS",1,0,2,7325]
["ALCOMIE",7330,"TAS",1,0,2,7330]
["ARTHUR RIVER",7330,"TAS",1,0,2,7330]
["BRITTONS SWAMP",7330,"TAS",1,0,2,7330]
["BROADMEADOWS",7330,"TAS",1,0,2,7330]
["CHRISTMAS HILLS",7330,"TAS",1,0,2,7330]
["COUTA ROCKS",7330,"TAS",1,0,2,7330]
["EDITH CREEK",7330,"TAS",1,0,2,7330]
["FOREST",7330,"TAS",1,0,2,7330]
["IRISHTOWN",7330,"TAS",{"$f":"MAX(F15619-1,1)","v":1},0,2,7330]
["LILEAH",7330,"TAS",1,0,2,7330]
["MARRAWAH",7330,"TAS",1,0,2,7330]
["MELLA",7330,"TAS",1,0,2,7330]
["MENGHA",7330,"TAS",1,0,2,7330]
["MONTAGU",7330,"TAS",1,0,2,7330]
["NABAGEENA",7330,"TAS",1,0,2,7330]
["NELSON BAY",7330,"TAS",1,0,2,7330]
["REDPA",7330,"TAS",1,0,2,7330]
["ROBBINS ISLAND",7330,"TAS",1,0,2,7330]
["ROGER RIVER",7330,"TAS",1,0,2,7330]
["SCOPUS",7330,"TAS",1,0,2,7330]
["SCOTCHTOWN",7330,"TAS",1,0,2,7330]
["SMITHTON",7330,"TAS",1,0,2,7330]
["SOUTH FOREST",7330,"TAS",1,0,2,7330]
["TEMMA",7330,"TAS",1,0,2,7330]
["THREE HUMMOCK ISLAND",7330,"TAS",1,0,2,7330]
["TOGARI",7330,"TAS",1,0,2,7330]
["TROWUTTA",7330,"TAS",1,0,2,7330]
["WEST MONTAGU",7330,"TAS",1,0,2,7330]
["WOOLNORTH",7330,"TAS",1,0,2,7330]
["STANLEY",7331,"TAS",1,0,2,7331]
["GORMANSTON",7466,"TAS",1,0,2,7466]
["LAKE MARGARET",7467,"TAS",1,0,2,7467]
["QUEENSTOWN",7467,"TAS",1,0,2,7467]
["MACQUARIE HEADS",7468,"TAS",1,0,2,7468]
["STRAHAN",7468,"TAS",1,0,2,7468]
["GRANVILLE HARBOUR",7469,"TAS",1,0,2,7469]
["RENISON BELL",7469,"TAS",1,0,2,7469]
["TRIAL HARBOUR",7469,"TAS",1,0,2,7469]
["ZEEHAN",7469,"TAS",1,0,2,7469]
["ROSEBERY",7470,"TAS",1,0,2,7470]
["ARMSTRONG CREEK",3217,"VIC",1,0,2,3217]
["WENTWORTH POINT",2127,"NSW",1,1,2,2127]
["SOUTH BANK",4101,"QLD",1,1,1,4101]
["WEST END",4101,"QLD",1,1,1,4101]
["Winter Valley",3358,"VIC",1,0,1,3358]
["Toorak",3142,"VIC",1,1,2,3142]
["North Kellyville",2155,"NSW",1,0,2,2155]
["Good Forest",2790,"NSW",1,0,2,2790]
["Teneriffe",4005,"QLD",1,1,1,4005]
["Baringa",4551,"QLD",1,1,1,4551]
["Tallawong",2762,"NSW",1,1,2,2762]
["Lightsview",5085,"SA",{"$f":"MAX(F15662-1,1)","v":1},1,2,5085]
["Spring Mountain",4300,"QLD",{"$f":"MAX(F15663-1,1)","v":1},1,2,4300]
["Darwin",834,"NT",null,null,4,{"$error":"#N/A"}]
["Alice Springs",873,"NT",null,null,3,{"$error":"#N/A"}]
["Alice Springs",874,"NT",null,null,2,{"$error":"#N/A"}]
["Alice Springs",875,"NT",null,null,2,{"$error":"#N/A"}]
["Kensington (NSW)",2052,"NSW",null,null,1,2052]
["Dangar",2309,"NSW",null,null,2,{"$error":"#N/A"}]
["Remote",2624,"NSW",null,null,3,2624]
["Remote",2817,"NSW",null,null,2,{"$error":"#N/A"}]
["Dubbo",2818,"NSW",null,null,2,{"$error":"#N/A"}]
["Dubbo",2822,"NSW",null,null,2,{"$error":"#N/A"}]
["Remote",2826,"NSW",null,null,3,{"$error":"#N/A"}]
["Remote",2838,"NSW",null,null,3,{"$error":"#N/A"}]
["Melbourne - Inner Melbourne",3004,"VIC",null,null,2,{"$error":"#N/A"}]
["Warrnambool",3275,"VIC",null,null,1,{"$error":"#N/A"}]
["Melbourne - Western Melbourne",3336,"VIC",null,null,2,{"$error":"#N/A"}]
["Gold Coast - Gold Coast East",4219,"QLD",null,null,1,4219]
["Somerset",4314,"QLD",null,null,2,{"$error":"#N/A"}]
["Claverton",4471,"QLD",null,null,4,4471]
["Townsville",4813,"QLD",null,null,4,4813]
["Innisfail",4857,"QLD",null,null,3,4857]
["Aurukun/Maramie/Yagoonya/Yarraden/Coen/Iron Range/",4892,"QLD",null,null,3,{"$error":"#N/A"}]
["O'Sullivan Beach",5166,"SA",null,null,2,5166]
["Kingston On Murray",5331,"SA",null,null,3,5331]
["Remote",5611,"SA",null,null,3,{"$error":"#N/A"}]
["Remote",5701,"SA",null,null,3,{"$error":"#N/A"}]
["Remote",5713,"SA",null,null,3,{"$error":"#N/A"}]
["Remote",5715,"SA",null,null,3,{"$error":"#N/A"}]
["Remote",5717,"SA",null,null,3,{"$error":"#N/A"}]
["Remote",5719,"SA",null,null,3,{"$error":"#N/A"}]
["Adelaide - Western Adelaide",5950,"SA",null,null,1,{"$error":"#N/A"}]
["Gnangara",6077,"WA",null,null,3,{"$error":"#N/A"}]
["Pinjar",6078,"WA",null,null,5,{"$error":"#N/A"}]
["Perth - East Metropolitan",6079,"WA",null,null,3,{"$error":"#N/A"}]
["Remote",6627,"WA",null,null,4,{"$error":"#N/A"}]
["Remote",6631,"WA",null,null,4,{"$error":"#N/A"}]
["Home Island/West Island",6799,"OT",null,null,3,6799]
["Casey",7151,"TAS",null,null,2,7151]
["Jandabup",6077,"WA",null,null,3,{"$error":"#N/A"}]
["MARIGINIUP",6078,"WA",null,null,5,{"$error":"#N/A"}]

{"sheet":"Lists","index":24,"n_rows":42,"n_cols":29,"rows_kept":42,"cut":false,"hidden":true,"merged":[[0,25,0,28]]}
["Base salary","Other income","Payment Frequencies","Choice","Packages","Splits","Master Limit IO","Purpose","ProPack/AMPF/Select","Repay Type","No. applicants","No. Securities","Status","Couples for App 1","Couples for App 2","Couples for App 3","Couples for App 4","Couples for App 5","Foreign Income","Rental Property Type","Existing loan types","Non-rental property","SE applicant type","SE trading entity type","SE payment types","Self-employed lists"]
["Full-time","Full-time","Annually","Yes","ProPack",1,"Yes (5 yrs)","Owner Occupied (purchase)","Variable","P&I",1,1,"Single","Non-applicant","If App 1 w/ App 2","If App 1 w/ App 3","If App 1 w/ App 4","If App 1 w/ App 5","Tier 1",{"$f":"'All data points & rules'!L3","v":"Residential Investment (80%)"},"Other Bank Home Loan","Owner Occupied home","Individual/s","Sole Trader","Wages from this Trading Entity","Sole Trader","Company","Trust","Partnership"]
["Part-time","Part-time","Monthly","No","Basic",2,"Yes (10 yrs)","Owner Occupied (refi)","1 year fixed","IO",2,2,"Couple","Applicant 2","Applicant 1","Applicant 1","Applicant 1","Applicant 1","Tier 2",{"$f":"'All data points & rules'!L4","v":"Service Apartment & Short Term (Airbnb, Stayz, etc) - Active Lease/Income Statements (65%)"},"Existing AMP Bank Loan","Second home","Company","Company","Other Allowable Payments from this Trading Entity","Wages from this Trading Entity","Wages from this Company","Wages from this Trust","Wages from this Partnership"]
["Casual","Casual","Bi-monthly",null,"Essential",3,"No","Investment (purchase)","2 year fixed",null,3,3,null,"Applicant 3",null,null,null,null,null,{"$f":"'All data points & rules'!L5","v":"Service Apartment & Short Term (Airbnb, Stayz, etc) - 3rd Party Estimate (80%)"},"Personal Loan","Personal/Other","Trust","Trust","No Payments from this Trading Entity","Other Allowable Payments from this Trading Entity","Directors Fees","Distribution from this Trust","Distribution from this Partnership"]
["Casual teacher","Self-empl","F/nightly",null,"AMP First",4,null,"Investment (refi)","3 year fixed",null,4,4,null,"Applicant 4","If App 1 single or w/ non-applicant","If App 2 w/ App 3","If App 2 w/ App 4","If App 2 w/ App 5","Pre/Post tax",{"$f":"'All data points & rules'!L6","v":"Commercial / Industrial / Non-Residential - Active Lease/Income Statements (65%)"},"Personal/Equipment Loan - FIXED rate/payments for life of loan",null,null,"Partnership",null,"No Payments from this Trading Entity","Other Allowable Payments from this Company","Allowable Distributions to Others","Other Allowable Distributions (eg. to Children)"]
[null,"Overtime","Weekly",null,"Select",5,"ML IO ","Owner Occupied (other)","5 year fixed",null,5,5,null,"Applicant 5","Non-applicant","Applicant 2","Applicant 2","Applicant 2","Pre",null,null,null,null,null,null,null,"N/A - See Separate Worksheet for this Company","Directors Fees (if Company Trustee)","Other Allowable Payments from Partnership"]
[null,"Bonus",null,null,"Land",6,5,"Investment (other)","Construction",null,null,6,null,null,"Applicant 3",null,null,null,"Post",null,null,null,null,null,null,null,"No Payments from this Company","Other Allowable Payments from this Trust","No Payments from this Partnership"]
[null,"Commission",null,null,null,7,10,null,"Line of Credit",null,null,null,null,"Single","Applicant 4","Other","If App 3 w/ App 4","If App 3 w/ App 5",null,null,null,null,null,null,null,null,null,"N/A - See Separate Worksheet for this Trust"]
[null,"Allowances",null,null,null,8,null,null,null,null,null,null,null,"N/A","Applicant 5","Non-applicant","Applicant 3","Applicant 3",null,null,null,null,null,null,null,null,null,"No Payments from this Trust"]
[null,"Investment",null,null,null,9,null,null,"Essential Product",null,null,null,null,null,null,"Applicant 4"]
[null,"Child support",null,null,null,10,null,null,"Variable",null,null,null,null,null,"If App 1 w/ App 3","Applicant 5","Other","If App 4 w/ App 5"]
[null,"Superannuation",null,null,null,null,null,null,null,null,null,null,null,null,"Non-applicant",null,"Non-applicant","Applicant 4"]
[null,null,null,null,null,null,null,null,"If Master Limit",null,null,null,null,null,"Applicant 4",null,"Applicant 5"]
["Income methods",null,null,null,null,null,null,null,"Line of Credit",null,null,null,null,null,"Applicant 5",null,null,"Other",null,"Rental Location Discount"]
["PAYG income assessor",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Non-applicant",null,{"$f":"'All data points & rules'!L14","v":"Domestic (100%)"}]
["Manually enter",null,null,null,null,null,null,null,"IO years",null,null,null,null,null,"If App 1 w/ App 4",null,null,null,null,{"$f":"'All data points & rules'!L15","v":"Foreign Tier 1 (80%)"}]
["Mix of both",null,null,null,null,null,null,null,1,null,null,null,null,null,"Non-applicant",null,null,null,null,{"$f":"'All data points & rules'!L16","v":"Foreign Tier 2 (50%)"}]
[null,null,null,null,null,null,null,null,2,null,null,null,null,null,"Applicant 3"]
[null,null,null,null,null,null,null,null,3,null,null,null,null,null,"Applicant 5"]
[null,null,null,null,null,null,null,null,4]
[null,null,null,null,null,null,null,null,5,null,null,null,null,null,"If App 1 w/ App 5"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Non-applicant"]
[null,null,null,null,null,null,null,null,"Basic",null,null,null,null,null,"Applicant 3"]
[null,null,null,null,null,null,null,null,"Variable",null,null,null,null,null,"Applicant 4"]
[null,null,null,null,null,null,null,null,"1 year fixed"]
[null,null,null,null,null,null,null,null,"2 year fixed"]
[null,null,null,null,null,null,null,null,"3 year fixed"]
[null,null,null,null,null,null,null,null,"5 year fixed"]
[null,null,null,null,null,null,null,null,"Construction"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,"Result"]
[null,null,null,null,null,null,null,null,"PASSED"]
[null,null,null,null,null,null,null,null,"FAILED"]
[null,null,null,null,null,null,null,null,"UNFINISHED"]

{"sheet":"Pay periods","index":25,"n_rows":14,"n_cols":18,"rows_kept":14,"cut":false,"hidden":true,"merged":[[0,0,0,2],[0,6,0,17],[2,4,13,4]]}
["Monthly calculation e.g.",null,null,null,null,null,"Starting month"]
["Start","End","Pay periods",null,null,null,1,2,3,4,5,6,7,8,9,10,11,12]
["2022-01-01","2022-04-29",{"$f":"VLOOKUP(MONTH(B3),$F$2:$R$14,MONTH(A3)+1,0)","v":4},null,"Pay month",1,1,12,11,10,9,8,7,6,5,4,3,2]
[null,null,null,null,null,2,2,1,12,11,10,9,8,7,6,5,4,3]
[null,null,null,null,null,3,3,2,1,12,11,10,9,8,7,6,5,4]
[null,null,null,null,null,4,4,3,2,1,12,11,10,9,8,7,6,5]
[null,null,null,null,null,5,5,4,3,2,1,12,11,10,9,8,7,6]
[null,null,null,null,null,6,6,5,4,3,2,1,12,11,10,9,8,7]
[null,null,null,null,null,7,7,6,5,4,3,2,1,12,11,10,9,8]
[null,null,null,null,null,8,8,7,6,5,4,3,2,1,12,11,10,9]
[null,null,null,null,null,9,9,8,7,6,5,4,3,2,1,12,11,10]
[null,null,null,null,null,10,10,9,8,7,6,5,4,3,2,1,12,11]
[null,null,null,null,null,11,11,10,9,8,7,6,5,4,3,2,1,12]
[null,null,null,null,null,12,12,11,10,9,8,7,6,5,4,3,2,1]

{"sheet":"BPMS","index":26,"n_rows":1,"n_cols":1,"rows_kept":1,"cut":false,"hidden":false,"merged":[[0,0,42,15]]}
["Issue: BPMS does not allow macro-enabled workbooks to be attached (xlsm).\n\nWorkaround: save a copy of this workbook as an xlsx version. This means macros will no longer work, however all sheet tabs will be visible, with data still able to be entered/altered. If, for some reason, a macro is required then the original xlsm workbook will need to be used.\n\nInstructions\n1) Save a copy of the workbook as 'Excel Workbook (Xslx)' type. You may wish to add 'BPMS' to the end of its name\n\n\n\n\n\n\n\n\n\n\n2) When prompted, click 'No'\n\n\n\n\n\n\n\n3) Upload new workbook to BPMS. If required to download again to change details, this should work fine given all tabs are now open. Needing to add or remove applicants will require you to re-use the original xlsm file\n\n\n\n\n\n\n\n\n"]