ABCDEFGHIJKLMNOPQRSTUVWXYZAAABACADAEAFAGAHAIAJAKALAMANAOAPAQARASATAUAVAWAXAYAZBABBBCBDBEBFBGBHBIBJBKBLBMBNBOBPBQBRBSBTBUBVBWBXBYBZCACBCC
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INPUTS - BIG PICTURE
RESULTS & MONTHLY REFINEMENTS
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↑ by year (click '+' )
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1. SETUP
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First month-year of modelJan-2024abc 123
✍️ Change any cells with blue text or values and white background
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Financial Year 2024 is Jan 2024 to Dec 2024
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✍️ Blue values and gray background calculate values for you but can be overtyped with actuals (use values NOT formulas)
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Currency used in modelUSD→
Monthly assumptions also entered on right hand side (if in a gray row then MUST be values to work, not formulae)
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Calcs
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2. FUNDING
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Equity Funding Round
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Equity Fundraising RoundsMonthAmountJan-2024Feb-2024Mar-2024Apr-2024May-2024Jun-2024Jul-2024Aug-2024Sep-2024Oct-2024Nov-2024Dec-2024Jan-2025Feb-2025Mar-2025Apr-2025May-2025Jun-2025Jul-2025Aug-2025Sep-2025Oct-2025Nov-2025Dec-2025Jan-2026Feb-2026Mar-2026Apr-2026May-2026Jun-2026Jul-2026Aug-2026Sep-2026Oct-2026Nov-2026Dec-2026Jan-2027Feb-2027Mar-2027Apr-2027May-2027Jun-2027Jul-2027Aug-2027Sep-2027Oct-2027Nov-2027Dec-2027Jan-2028Feb-2028Mar-2028Apr-2028May-2028Jun-2028Jul-2028Aug-2028Sep-2028Oct-2028Nov-2028Dec-2028
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Pre seed roundSep-2024750,000Equity Funding Round- - - - - - - - - 750,000- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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Equity Funding Round cumulative
- - - - - - - - - 750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000750,000
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Formula limit. To add extra events insert an entire row above here
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Calcs
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3. NEW CUSTOMERS
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New Policyholders
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Starting
Monthly % growth
Start in
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Value per month
20242025202620272028monthJan-2024Feb-2024Mar-2024Apr-2024May-2024Jun-2024Jul-2024Aug-2024Sep-2024Oct-2024Nov-2024Dec-2024Jan-2025Feb-2025Mar-2025Apr-2025May-2025Jun-2025Jul-2025Aug-2025Sep-2025Oct-2025Nov-2025Dec-2025Jan-2026Feb-2026Mar-2026Apr-2026May-2026Jun-2026Jul-2026Aug-2026Sep-2026Oct-2026Nov-2026Dec-2026Jan-2027Feb-2027Mar-2027Apr-2027May-2027Jun-2027Jul-2027Aug-2027Sep-2027Oct-2027Nov-2027Dec-2027Jan-2028Feb-2028Mar-2028Apr-2028May-2028Jun-2028Jul-2028Aug-2028Sep-2028Oct-2028Nov-2028Dec-2028
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New Policyholders in month 1 and monthly growth rate thereafter 50 10%10%5%5%5%Sep-2024New Policyholders- - - - - - - - 5055616773808895103111120128137145154162170179188197207217228239251264277291306321337354371390410430451474498523549576605635667700735772811851894939
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Calcs
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New Policyholders split
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New Policyholders are split between…20242025202620272028Jan-2024Feb-2024Mar-2024Apr-2024May-2024Jun-2024Jul-2024Aug-2024Sep-2024Oct-2024Nov-2024Dec-2024Jan-2025Feb-2025Mar-2025Apr-2025May-2025Jun-2025Jul-2025Aug-2025Sep-2025Oct-2025Nov-2025Dec-2025Jan-2026Feb-2026Mar-2026Apr-2026May-2026Jun-2026Jul-2026Aug-2026Sep-2026Oct-2026Nov-2026Dec-2026Jan-2027Feb-2027Mar-2027Apr-2027May-2027Jun-2027Jul-2027Aug-2027Sep-2027Oct-2027Nov-2027Dec-2027Jan-2028Feb-2028Mar-2028Apr-2028May-2028Jun-2028Jul-2028Aug-2028Sep-2028Oct-2028Nov-2028Dec-2028
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New Policyholders Free70%70%60%60%60%New Policyholders Free- - - - - - - - 35394247515661677278849096102108113102107113118124130137144151158166175183193202212223234246258271284299314329346363381400420441463486511536563
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New Policyholders Premium30%30%40%40%40%New Policyholders Premium- - - - - - - - 151718202224262931333638414446496871757983879196101106111116122128135142149156164172181190199209220230242254267280294309324341358375
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Check Total is 100%: 100.0% 100.0% 100.0% 100.0% 100.0%
New Policyholders split Total
- - - - - - - - 5055616773808895103111120128137145154162170179188197207217228239251264277291306321337354371390410430451474498523549576605635667700735772811851894939
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Calcs
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New B2B
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Annual ForecastStart Month20242025202620272028Jan-2024Feb-2024Mar-2024Apr-2024May-2024Jun-2024Jul-2024Aug-2024Sep-2024Oct-2024Nov-2024Dec-2024Jan-2025Feb-2025Mar-2025Apr-2025May-2025Jun-2025Jul-2025Aug-2025Sep-2025Oct-2025Nov-2025Dec-2025Jan-2026Feb-2026Mar-2026Apr-2026May-2026Jun-2026Jul-2026Aug-2026Sep-2026Oct-2026Nov-2026Dec-2026Jan-2027Feb-2027Mar-2027Apr-2027May-2027Jun-2027Jul-2027Aug-2027Sep-2027Oct-2027Nov-2027Dec-2027Jan-2028Feb-2028Mar-2028Apr-2028May-2028Jun-2028Jul-2028Aug-2028Sep-2028Oct-2028Nov-2028Dec-2028
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New Insurance CompaniesSep-20241212244896New Insurance Companies- - - - - - - - 1111111111111111222222222222444444444444888888888888
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New Insurance AdjustersSep-20241212244896New Insurance Adjusters- - - - - - - - 1111111111111111222222222222444444444444888888888888
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New B2B total- - - - - - - - 2222222222222222444444444444888888888888161616161616161616161616
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Calcs
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4. REVENUES
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Policyholders
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Prices increase by this % each year- 3.0% 3.0% 3.0% 3.0%
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Fees every
Subscription paid every M months
Jan-2024Feb-2024Mar-2024Apr-2024May-2024Jun-2024Jul-2024Aug-2024Sep-2024Oct-2024Nov-2024Dec-2024Jan-2025Feb-2025Mar-2025Apr-2025May-2025Jun-2025Jul-2025Aug-2025Sep-2025Oct-2025Nov-2025Dec-2025Jan-2026Feb-2026Mar-2026Apr-2026May-2026Jun-2026Jul-2026Aug-2026Sep-2026Oct-2026Nov-2026Dec-2026Jan-2027Feb-2027Mar-2027Apr-2027May-2027Jun-2027Jul-2027Aug-2027Sep-2027Oct-2027Nov-2027Dec-2027Jan-2028Feb-2028Mar-2028Apr-2028May-2028Jun-2028Jul-2028Aug-2028Sep-2028Oct-2028Nov-2028Dec-2028
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Customers pay us this amount every M monthsM months20242025202620272028
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Policyholders - Free 1 - - - - -
Policyholders - Free invoiced
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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Policyholders - Premium 1 10 10 11 11 11
Policyholders - Premium invoiced
- - - - - - - - 1503154976969431,1911,4621,7562,0752,4192,7893,1853,5924,0244,4804,9605,8086,5407,3098,1148,9599,84510,77511,75012,75913,81714,92716,09217,81419,11520,48021,91223,41524,99126,64628,38330,19332,09334,08636,17839,50741,86244,33546,93049,65452,51355,51458,66561,96165,42069,05172,863
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Policyholders invoice total
- - - - - - - - 1503154976969431,1911,4621,7562,0752,4192,7893,1853,5924,0244,4804,9605,8086,5407,3098,1148,9599,84510,77511,75012,75913,81714,92716,09217,81419,11520,48021,91223,41524,99126,64628,38330,19332,09334,08636,17839,50741,86244,33546,93049,65452,51355,51458,66561,96165,42069,05172,863
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Can leave every
Leavers (% lost every N months) set for life when join
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At the end of every contract period this % leave…N months20242025202620272028
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Policyholders - Free 1 1%1%1%1%1%Policyholders - Free active- - - - - - - - 35701041391752122502893303714144585045505976456767097437808188589019459921,0421,0931,1481,2051,2651,3281,3941,4631,5371,6131,6941,7781,8671,9602,0582,1612,2692,3832,5022,6272,7582,8963,0413,1933,3523,5203,696
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Policyholders - Premium 12 10%10%10%10%10%
Policyholders - Premium active
- - - - - - - - 15325070921161421702012352713093493914354825476166897658449281,0161,1081,2031,3021,4071,5171,6301,7491,8742,0052,1432,2872,4392,5972,7632,9373,1193,3113,5103,7193,9394,1704,4124,6664,9325,2125,5055,8126,1356,474
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Policyholders active total
- - - - - - - - 501011542092673283924605316066857688529411,0321,1261,2231,3251,4321,5451,6631,7871,9172,0532,1952,3442,5002,6642,8353,0143,2023,3993,6063,8244,0524,2914,5414,8045,0805,3695,6715,9896,3226,6717,0387,4247,8288,2538,6989,1659,65510,170
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Switchers (% switching every N months) set for life when join
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…and this % switch to a higher tier20242025202620272028
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Policyholders - Free10%10%10%10%10%Policyholders - Free switch- - - - - - - - - 471014182125293337414650556064687174788286909599104109115120126133139146154161169178187196206216227238250263276290304319335352
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Policyholders switch total
- - - - - - - - - 471014182125293337414650556064687174788286909599104109115120126133139146154161169178187196206216227238250263276290304319335352
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Policyholders - Free leave- - - - - - - - - 011122333445566677788999101011111213131415151617181920212223242526282930323435
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Policyholders - Premium leave
- - - - - - - - - - - - - - - - - - - - 22222233334456679910101112121315161718202122242526272932333537
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Policyholders leave total- - - - - - - - - 0111223334467789910101112121315161718202123242526282932343537414345475052555862656872
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Policyholders - Free MRR- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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Policyholders - Premium MRR
- - - - - - - - 1503154976969431,1911,4621,7562,0752,4192,7893,1853,5924,0244,4804,9605,8086,5407,3098,1148,9599,84510,77511,75012,75913,81714,92716,09217,81419,11520,48021,91223,41524,99126,64628,38330,19332,09334,08636,17839,50741,86244,33546,93049,65452,51355,51458,66561,96165,42069,05172,863
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Policyholders MRR total- - - - - - - - 1503154976969431,1911,4621,7562,0752,4192,7893,1853,5924,0244,4804,9605,8086,5407,3098,1148,9599,84510,77511,75012,75913,81714,92716,09217,81419,11520,48021,91223,41524,99126,64628,38330,19332,09334,08636,17839,50741,86244,33546,93049,65452,51355,51458,66561,96165,42069,05172,863
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Calcs
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B2B Licenses
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Prices increase by this % each year- 3.0% 3.0% 3.0% 3.0%
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Fees every
Fee Paid every M months
Jan-2024Feb-2024Mar-2024Apr-2024May-2024Jun-2024Jul-2024Aug-2024Sep-2024Oct-2024Nov-2024Dec-2024Jan-2025Feb-2025Mar-2025Apr-2025May-2025Jun-2025Jul-2025Aug-2025Sep-2025Oct-2025Nov-2025Dec-2025Jan-2026Feb-2026Mar-2026Apr-2026May-2026Jun-2026Jul-2026Aug-2026Sep-2026Oct-2026Nov-2026Dec-2026Jan-2027Feb-2027Mar-2027Apr-2027May-2027Jun-2027Jul-2027Aug-2027Sep-2027Oct-2027Nov-2027Dec-2027Jan-2028Feb-2028Mar-2028Apr-2028May-2028Jun-2028Jul-2028Aug-2028Sep-2028Oct-2028Nov-2028Dec-2028
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Customers pay us this amount every M monthsM months20242025202620272028
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Insurance Companies 1 500 515 530 546 563
Insurance Companies bookings
- - - - - - - - 5001,0001,5002,0002,5753,0903,6054,1204,6355,1505,6656,1806,6447,1077,5718,0349,28310,29111,29912,30613,31414,32215,33016,33817,29818,25819,21820,17822,81124,83826,86528,89230,91932,94634,97337,00038,98240,96542,94844,93150,40954,53958,66962,79966,92971,05975,18979,31983,40887,49791,58695,675
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Insurance Adjusters 1 100 103 106 109 113
Insurance Adjusters bookings
- - - - - - - - 1002003004005156187218249271,0301,1331,2361,3291,4211,5141,6071,8572,0582,2602,4612,6632,8643,0663,2683,4603,6523,8444,0364,5624,9685,3735,7786,1846,5896,9957,4007,7968,1938,5908,98610,08210,90811,73412,56013,38614,21215,03815,86416,68217,49918,31719,135
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B2B Licenses bookings total
- - - - - - - - 6001,2001,8002,4003,0903,7084,3264,9445,5626,1806,7987,4167,9728,5289,0859,64111,13912,34913,55814,76815,97717,18718,39619,60520,75821,91023,06224,21427,37329,80532,23834,67037,10239,53541,96744,40046,77949,15851,53853,91760,49065,44770,40375,35980,31585,27190,22795,183100,090104,997109,903114,810
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Can leave every
Leavers (% lost every N months) set for life when join
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At the end of every contract period this % leaveN months20242025202620272028
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Insurance Companies 12 10%10%10%10%10%
Insurance Companies active
- - - - - - - - 123456789101112131415161819212325272931333436384245495357606468717579829097104112119126134141148155163170
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Insurance Adjusters 12 10%10%10%10%10%Insurance Adjusters active- - - - - - - - 123456789101112131415161819212325272931333436384245495357606468717579829097104112119126134141148155163170
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B2B Licenses active total
- - - - - - - - 2468101214161820222426282931353943465054586265697276849198106113121128135143150157164179194209223238253267282296311325340
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Calcs
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Claims Revenues
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20242025202620272028Jan-2024Feb-2024Mar-2024Apr-2024May-2024Jun-2024Jul-2024Aug-2024Sep-2024Oct-2024Nov-2024Dec-2024Jan-2025Feb-2025Mar-2025Apr-2025May-2025Jun-2025Jul-2025Aug-2025Sep-2025Oct-2025Nov-2025Dec-2025Jan-2026Feb-2026Mar-2026Apr-2026May-2026Jun-2026Jul-2026Aug-2026Sep-2026Oct-2026Nov-2026Dec-2026Jan-2027Feb-2027Mar-2027Apr-2027May-2027Jun-2027Jul-2027Aug-2027Sep-2027Oct-2027Nov-2027Dec-2027Jan-2028Feb-2028Mar-2028Apr-2028May-2028Jun-2028Jul-2028Aug-2028Sep-2028Oct-2028Nov-2028Dec-2028
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Number of Claims per Insurance Company per Month 25 35 50 50 50
Insurance Company - Claims
- - - - - - - - 2550751001752102452803153503854204524835155468759701,0651,1601,2551,3501,4451,5401,6311,7211,8121,9022,0882,2732,4592,6442,8303,0153,2013,3863,5673,7493,9304,1124,4794,8465,2135,5805,9476,3146,6807,0477,4117,7748,1378,501
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Average $ Value per Claim 500 500 500 500 500
Insurance Company - Gross Claim Value
- - - - - - - - 12,50025,00037,50050,00087,500105,000122,500140,000157,500175,000192,500210,000225,750241,500257,250273,000437,500485,000532,500580,000627,500675,000722,500770,000815,250860,500905,750951,0001,043,7501,136,5001,229,2501,322,0001,414,7501,507,5001,600,2501,693,0001,783,7251,874,4501,965,1752,055,9002,239,3752,422,8502,606,3252,789,8002,973,2753,156,7503,340,2253,523,7003,705,3533,887,0054,068,6584,250,310
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Calcs
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Claim Comission Fees
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Prices increase by this % each year3.0%3.0%3.0%3.0%3.0%
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Unit Price
(Enter values below to override inflation)
Jan-2024Feb-2024Mar-2024Apr-2024May-2024Jun-2024Jul-2024Aug-2024Sep-2024Oct-2024Nov-2024Dec-2024Jan-2025Feb-2025Mar-2025Apr-2025May-2025Jun-2025Jul-2025Aug-2025Sep-2025Oct-2025Nov-2025Dec-2025Jan-2026Feb-2026Mar-2026Apr-2026May-2026Jun-2026Jul-2026Aug-2026Sep-2026Oct-2026Nov-2026Dec-2026Jan-2027Feb-2027Mar-2027Apr-2027May-2027Jun-2027Jul-2027Aug-2027Sep-2027Oct-2027Nov-2027Dec-2027Jan-2028Feb-2028Mar-2028Apr-2028May-2028Jun-2028Jul-2028Aug-2028Sep-2028Oct-2028Nov-2028Dec-2028