{"text_format":"1","workbook":"xlsx","n_sheets":11,"sheets":["General","Insurer Engagements","Policies Sold","PI Coverage","F&P","Meetings & Internal Audit","Employees","Other Issues","Outsourcing & Continuity","Declaration","Answer Key"],"not_rendered":{"charts":0,"images":2,"macros":1,"external_links":1,"defined_names":1,"comments":0,"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":"General","index":0,"n_rows":31,"n_cols":11,"rows_kept":31,"cut":false,"hidden":false,"merged":[[36,9,36,13],[16,4,16,13],[20,4,20,8],[18,4,18,13],[28,4,28,13],[26,4,26,13],[22,10,22,12],[24,4,24,8],[30,9,30,13],[33,9,33,13],[34,9,34,13],[35,9,35,13],[31,9,31,13],[32,9,32,13],[1,0,1,14],[11,0,11,14],[12,0,12,14],[13,0,13,14],[14,1,14,14],[10,0,10,14]]}
[]
["BRITISH VIRGIN ISLANDS FINANCIAL SERVICES COMMISSION"]
[]
[]
[]
[]
[]
[]
[]
[]
["INSURANCE INTERMEDIARIES ANNUAL RETURN"]
["Insurance Act, 2008"]
["Financial Services (Prudential and Statistical Returns) Order, 2009"]
[]
[]
[]
[null,"Licensee Name:"]
[]
[null,"Licensee's dba Name:"]
[]
[null,"Licence Number:"]
[]
[null,"Intermediary Type:",null,null,null,"Insurance Agent",null,null,null,null,"Insurance Broker"]
[]
[null,"Reporting Period: "]
[]
[null,"Registered Agent:"]
[]
[null,"Registered Office Address:"]
[]
[null,"Jurisdictions in which the licensee's operations are primarily based:"]

{"sheet":"Insurer Engagements","index":1,"n_rows":36,"n_cols":8,"rows_kept":36,"cut":false,"hidden":false,"merged":[[3,3,4,9],[32,3,32,4],[33,3,33,4],[22,3,22,4],[23,3,23,4],[24,3,24,4],[21,3,21,4],[5,3,5,4],[6,3,6,4],[7,3,7,4],[11,3,11,4],[12,3,12,4],[16,3,16,4],[17,3,17,4],[18,3,18,4],[19,3,19,4],[34,3,34,4],[35,3,35,4],[13,3,13,4],[8,3,8,4],[9,3,9,4],[10,3,10,4],[31,3,31,4],[14,3,14,4],[15,3,15,4],[20,3,20,4],[30,3,30,4],[25,3,25,4],[26,3,26,4],[27,3,27,4],[28,3,28,4],[29,3,29,4]]}
[]
[null,"1.","ENGAGEMENT WITH INSURERS"]
[]
[null,null,1.1000000000000001,"Detail below the arrangements that the Insurance Agent or Broker has in place with each insurer it has entered into an agency or brokerage agreement."]
[]
[null,null,null,"Name of Insurer",null,"Confirm if Affiliated (Select Yes or No)","Agency or Brokerage Agreement\n(Select as Applicable)","Are books and records maintained? (Select Yes or No)"]
[null,null,1]
[null,null,2]
[null,null,3]
[null,null,4]
[null,null,5]
[null,null,6]
[null,null,7]
[null,null,8]
[null,null,9]
[null,null,10]
[null,null,11]
[null,null,12]
[null,null,13]
[null,null,14]
[null,null,15]
[null,null,16]
[null,null,17]
[null,null,18]
[null,null,19]
[null,null,20]
[null,null,21]
[null,null,22]
[null,null,23]
[null,null,24]
[null,null,25]
[null,null,26]
[null,null,27]
[null,null,28]
[null,null,29]
[null,null,30]

{"sheet":"Policies Sold","index":2,"n_rows":68,"n_cols":22,"rows_kept":68,"cut":false,"hidden":false,"merged":[[36,3,36,5],[35,3,35,5],[14,3,14,5],[15,3,15,5],[26,3,26,5],[27,3,27,5],[28,3,28,5],[29,3,29,5],[30,3,30,5],[31,3,31,5],[32,3,32,5],[33,3,33,5],[16,3,16,5],[17,3,17,5],[18,3,18,5],[19,3,19,5],[20,3,20,5],[5,3,5,5],[6,3,6,5],[7,3,7,5],[34,3,34,5],[8,3,8,5],[9,3,9,5],[10,3,10,5],[11,3,11,5],[12,3,12,5],[13,3,13,5],[21,3,21,5],[22,3,22,5],[23,3,23,5],[24,3,24,5],[25,3,25,5],[67,3,67,5],[47,3,47,9],[49,3,49,5],[50,3,50,5],[51,3,51,5],[52,3,52,5],[53,3,53,5],[55,3,55,5],[56,3,56,5],[58,3,58,5],[59,3,59,5],[62,3,62,5],[63,3,63,5],[64,3,64,5],[65,3,65,5],[66,3,66,5]]}
[]
[null,"2. POLICIES SOLD "]
[]
[null,null,2.1,"Detail below the total number of policies sold as an agent of or broker to each insurer and gross written premium:"]
[]
[null,null,null,"Name of Insurer",null,null,"Motor ","Property ","Liability ","Financial Loss","Marine","Aviation","Goods in Transit","Other Property and Casualty","Term Life, Accident, Disability & Health","Lifetime Annuities","Fixed-term Annuities","Whole Life & Endowment","Life Insurance Investment Related","Permanent Health","Other Life and Health","Total"]
[null,null,1,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(G7:U7)","v":0}]
[null,null,2,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(G8:U8)","v":0}]
[null,null,3,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,4,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,5,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,6,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,7,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,8,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,9,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,10,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,11,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,12,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,13,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,14,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,15,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,16,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,17,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,18,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,19,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,20,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,21,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,22,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,23,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,24,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,25,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,26,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,27,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,28,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,29,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,30,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,31,"Total ",null,null,{"$f":"SUM(G7:G36)","v":0},{"$f":"SUM(H7:H36)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,2.2000000000000002,"Please indicate the Total Commission Revenue/Income collected for the reporting period.",null,null,null,0]
[]
[]
[null,"3.","POLICYHOLDERS IN THE VIRGIN ISLANDS"]
[]
[null,null,3.1,"Total number of policyholders in the Virgin Islands as at the end of the reporting period: "]
[]
[null,null,3.2,"Total premium of policyholders in the Virgin Islands as at the end of the reporting period:",null,null,null,null,0]
[]
[null,null,3.3,"Indicate below the total number of policyholders and total premiums by class of insurance:"]
[]
[null,null,null,"Property and Casualty Insurance Business",null,null,"No. of Policies","Total Premium"]
[null,null,null,"Class 1 - Motor Insurance",null,null,null,0]
[null,null,null,"Class 2 - Property Insurance",null,null,null,0]
[null,null,null,"Class 3 - Liability  Insurance",null,null,null,0]
[null,null,null,"Class 4 - Financial Loss Insurance",null,null,null,0]
[null,null,null,"Class 5 - Marine  ",null,null,null,0]
[null,null,null,"Class 5 - Aviation",null,null,null,0]
[null,null,null,"Class 6 - Good in Transit",null,null,null,0]
[null,null,null,"Class 7 - Accident  ",null,null,null,0]
[null,null,null,"Class 7 - Health",null,null,null,0]
[null,null,null,"Class 8 - Other General Insurance",null,null,null,0]
[]
[]
[null,null,null,"Life and Health Insurance Business",null,null,"No. of Policies","Total Premium"]
[null,null,null,"Class 9 - Annuity Business",null,null,null,0]
[null,null,null,"Class 10 - Life Insurance",null,null,null,0]
[null,null,null,"Class 11 - Life Insurance (Investment Related)",null,null,null,0]
[null,null,null,"Class 12 - Permanent Health Insurance",null,null,null,0]
[null,null,null,"Class 13 - Other Long-Term Insurance",null,null,null,0]

{"sheet":"PI Coverage","index":3,"n_rows":47,"n_cols":10,"rows_kept":47,"cut":false,"hidden":false,"merged":[[48,3,48,4],[9,3,9,8],[39,3,39,8],[41,3,41,8],[46,3,46,8],[34,3,35,8],[11,4,11,9],[19,4,20,9],[22,4,23,9],[29,4,30,9],[13,4,13,9],[32,3,32,4]]}
[]
[null,"4.","PROFESSIONAL INDEMNITY INSURANCE"]
[null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,4.0999999999999996,"Does the licensee maintain professional indemnity insurance?"]
[]
[null,null,4.2,"If the response to 4.1 is yes, complete items 4.2.1 to 4.2.6 below:"]
[null,null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,"4.2.1","Has the licensee's professional indemnity insurance coverage changed from the previous reporting period?"]
[]
[null,null,"4.2.2","Provide details the licensee's professional indemnity insurance (PII) coverage during the reporting period below:"]
[]
[null,null,null,"Name of Insurer"]
[]
[null,null,null,"Jurisdiction of Insurer"]
[]
[null,null,null,"Level of cover (USD)",0]
[]
[null,null,null,"Level of excess Payable",0]
[]
[null,null,null,"Territorial limits"]
[]
[]
[null,null,null,"Details of any exclusions"]
[]
[]
[null,null,null,"Policy Effective Date"]
[]
[null,null,null,"Policy Expiration Date"]
[]
[null,null,null,"Details of any reinstatement "]
[]
[]
[null,null,null,"Please provide a copy of your existing PII Coverage (click button)"]
[]
[null,null,"4.2.3","Has the PII coverage been reassessed to ensure that its is appropriate taking into account the nature, size, complexity, structure and diversity of the licensee's business, during the reporting period.",null,null,null,null,null,"Select (Yes or No)"]
[]
[]
[null,null,null,"Policy Last Assessment Date"]
[]
[null,null,"4.2.4","Number of notifications made by the licensee to the insurer relating to potential claims during the reporting period."]
[]
[null,null,"4.2.5","Detals of claims paid to the licensee by the licensee's insurer for the reporting period:"]
[null,null,null,null,null,"No. of Claims:"]
[]
[null,null,null,null,null,"Total Value of Claims:",0]
[null,null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,"4.2.6","Has the licensee's PII coverage lapsed at any times during the reporting period?"]

{"sheet":"F&P","index":4,"n_rows":32,"n_cols":8,"rows_kept":32,"cut":false,"hidden":false,"merged":[[32,3,52,7],[20,2,21,2],[20,3,21,6],[23,2,25,2],[23,3,25,6],[27,2,29,2],[27,3,29,6],[11,2,12,2],[11,3,12,6],[14,2,15,2],[14,3,15,6],[17,2,18,2],[17,3,18,6],[2,2,3,2],[2,3,3,6],[5,2,6,2],[5,3,6,6],[8,2,9,2],[8,3,9,6]]}
[]
[null,"5.","FITNESS AND PROPRIETY"]
[null,null,5.0999999999999996,"Was the licensee or any of its directors, senior officers, shareholders, controllers or ultimate beneficial owners convicted of any criminal offence by a court of Law during the reporting period?",null,null,null,"Select (Yes or No)"]
[]
[]
[null,null,5.2,"Was the licensee or any of its directors, senior officers, shareholders, controllers or ultimate beneficial owners the subject of a criminal investigation or extradition request during the reporting period? "]
[]
[]
[null,null,5.3,"Was the licensee or any of its directors, senior officers, shareholders or ultimate beneficial owners censured or disciplined by any professional body to which they belong or belonged during the reporting period?"]
[]
[]
[null,null,5.4,"Were any of the licensee's directors, senior officers, shareholders, controllers or ultimate beneficial owners dismissed from office or employment or refused entry to any profession or occupation, during the reporting period? "]
[]
[]
[null,null,5.5,"Did the licensee or any of its directors, senior officers, shareholders, controllers or ultimate beneficial owners file for bankruptcy or were adjudicated bankrupt by any court, during the reporting period?"]
[]
[]
[null,null,5.6,"Did the licensee or any of its directors, senior officers, shareholders or ultimate beneficial owners fail to satisfy any debt due and payable as a judgement-debtor under any court order, during the reporting period?"]
[]
[]
[null,null,5.7,"Was the licensee or any of its directors, senior officers, shareholders, controllers or ultimate beneficial owners found liable in a civil suit which elicited dishonest or unlawful conduct, during the reporting period?"]
[]
[]
[null,null,5.8,"Was the licensee or any of its directors, officers, shareholders, controllers or beneficial owners, in connection with the formation, control or management of any corporate, partnership or unincorporated institution, adjudged by a court in any jurisdiction civilly liable for any fraud, malfeasance or other misconduct towards such a body or company, or towards any members thereof, during the reporting period?"]
[]
[]
[]
[null,null,5.9,"Has any body corporate, partnership or unincorporated institution with which the licensee was associated as director, shareholder or controller, anywhere, been compulsorily wound up or made any compromise or arrangement with its creditors where they did not receive or have not yet received a full settlement of their claims, during the reporting period?"]
[]
[]
[]
[null,null,5.0999999999999996,"If the licensee has responded yes to any of the questions above, please provide full details including dates below. "]

{"sheet":"Meetings & Internal Audit","index":5,"n_rows":20,"n_cols":4,"rows_kept":20,"cut":false,"hidden":false,"merged":[[11,5,11,10],[12,5,12,10],[19,3,20,9],[6,5,6,10],[7,5,7,10],[8,5,8,10],[9,5,9,10],[10,5,10,10]]}
[]
[null,"6.","BOARD MEETINGS"]
[null,null,"(Insert responses or select applicable responses from the drop boxes as required)"]
[]
[null,null,"6.1","No. of Board meetings held during the reporting period:"]
[]
[null,null,"6.2","Location(s) of Board meetings held during the reporting period:"]
[]
[]
[]
[]
[]
[]
[]
[null,null,"6.3","No. of senior management reports submitted to the Board during the reporting period:"]
[]
[]
[null,"7.","INTERNAL AUDIT"]
[]
[null,null,"7.1","Has the licensee carried out an internal audit during the reporting period in accordance with section 34(2) (b) of the Regulatory Code, 2009?"]

{"sheet":"Employees","index":6,"n_rows":47,"n_cols":8,"rows_kept":47,"cut":false,"hidden":false,"merged":[[14,3,14,5],[16,3,16,7],[18,3,18,4],[24,3,24,4],[30,3,30,7],[20,5,20,6],[21,5,21,6],[22,5,22,6],[26,5,26,6],[27,5,27,6],[0,6,0,8],[3,3,3,7],[10,3,10,7],[12,3,13,5],[12,6,13,6],[54,3,54,4],[55,3,55,4],[56,3,56,4],[33,3,33,4],[40,3,40,4],[41,3,41,4],[42,3,42,4],[44,3,44,7],[46,3,46,4],[38,3,38,4],[39,3,39,4],[48,3,48,4],[49,3,49,4],[50,3,50,4],[51,3,51,4],[52,3,52,4],[53,3,53,4],[28,5,28,6],[34,3,34,4],[35,3,35,4],[36,3,36,4],[37,3,37,4],[47,3,47,4],[32,3,32,4]]}
[]
[null,"8.","EMPLOYEES"]
[]
[null,null,8.1,"Please state the number of staff employed to carry on the licensee's regulated insurance intermediary business activities and any other activities in the table below. "]
[]
[null,null,null,"Type of Activities","Number of Full-time (permanent/temporary) Staff (In the VI)","Number of Part-time (permanent/temporary) Staff (In the VI)","Number of Full-time  (permanent/temporary) Staff (Outside the VI)","Number of Part-time (permanent/temporary) Staff (Outside the VI)"]
[null,null,null,"Regulated insurance intermediary business activities:"]
[null,null,null,"Any other activities:"]
[null,null,null,"TOTAL ",{"$f":"SUM(E7:E8)","v":0},{"$f":"SUM(F7:F8)","v":0},{"$f":"SUM(G7:G8)","v":0},{"$f":"SUM(H7:H8)","v":0}]
[]
[null,null,8.1999999999999993,"Please state the physical address of the licensee’s principal office or principal place of business outside the Virgin Islands and the number of staff employed at that location in the table below."]
[]
[null,null,null,"Address of Principal Office or Principal Place of Business Outside the Virgin Islands",null,null,"No. of Staff"]
[]
[]
[]
[null,null,8.3000000000000007,"If any individual, in the Virgin Islands or elsewhere carries out regulated or any other activities on behalf of the licensee who is not an employee of the licensee, please state the number of individuals and country where they are located."]
[]
[null,null,null,"Property and Casualty Business Only"]
[]
[null,null,null,"Type of Activities","Number of Individual(s)","Location of Individual(s)"]
[null,null,null,"Regulated property and casualty business activities:"]
[null,null,null,"Any other activities:"]
[]
[null,null,null,"Life and Health Business Only"]
[]
[null,null,null,"Type of Activities","Number of Individual(s)","Location of Individuals(s)"]
[null,null,null,"Regulated life and health business activities:"]
[null,null,null,"Any other activities:"]
[]
[null,null,8.4,"Indicate the number of staff in the Virgin Islands that joined the licensee during the reporting period by position held."]
[]
[null,null,null,"Position held ",null,"Number of Staff"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,8.5,"Indicate the number of staff in the Virgin Islands that left the licensee during the reporting period by position held."]
[]
[null,null,null,"Position held ",null,"Number of Staff"]

{"sheet":"Other Issues","index":7,"n_rows":6,"n_cols":9,"rows_kept":6,"cut":false,"hidden":false,"merged":[[3,3,3,7],[6,3,21,8]]}
[]
[null,"11.","OTHER ISSUES"]
[null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,11.1,"Are there any industry and/or market related-issues to which you wish to draw to the Commission's attention?"]
[]
[null,null,"11.1.1","If the response to 11.1 is yes, provide details below:"]

{"sheet":"Outsourcing & Continuity","index":8,"n_rows":33,"n_cols":9,"rows_kept":33,"cut":false,"hidden":false,"merged":[[0,6,0,8],[9,4,9,6],[9,7,9,8],[10,4,10,6],[10,7,10,8],[11,4,11,6],[11,7,11,8],[13,4,13,6],[13,7,13,8],[14,4,14,6],[14,7,14,8],[32,3,32,7],[30,3,30,7],[15,4,15,6],[15,7,15,8],[12,4,12,6],[12,7,12,8],[20,4,20,6],[20,7,20,8],[18,4,18,6],[18,7,18,8],[19,4,19,6],[19,7,19,8],[16,4,16,6],[16,7,16,8],[17,4,17,6],[17,7,17,8]]}
[]
[null,"9.","OUTSOURCING"]
[null,null,"(Refer to the Explanatory Notes of section 50 of the Regulatory Code, 2009 for guidance on \"Outsourcing\".)"]
[]
[null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,"9.1","Did the licensee have any agreements in place to outsource any of its activities during the reporting period?"]
[]
[null,null,"9.1.1","If yes, please provide below, in relation to each entity to which activities have been outsourced, the name of the entity, the activities outsourced to the entity and the entity’s jurisdiction:"]
[]
[null,null,null,"Name of Entity","Outsourced Activities",null,null,"Jurisdiction of Entity"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"10.","BUSINESS CONTINUITY AND USE OF TECHNOLOGY"]
[]
[null,null,"10.1","Date when the licensee's Business Continuity Plan was reviewed and updated:"]
[]
[null,null,null,null,null,null,null,null,"Select (Yes or No)"]
[null,null,"10.2","Has the licensee's Business Continuity Plan been tested during the reporting period?"]
[]
[null,null,"10.3","Does the licensee have appropriate policies and procedures in place for the proper use of its IT (technological) infrastructure to guard against internal abuses and misuse?"]
[]
[null,null,"10.4","Does the licensee have appropriate policies and procedures in place to guard against external threats of its IT (technological) infrastructure?"]

{"sheet":"Declaration","index":9,"n_rows":19,"n_cols":12,"rows_kept":19,"cut":false,"hidden":false,"merged":[[3,2,3,13],[4,3,4,13],[6,3,6,6],[6,8,6,12],[14,3,14,6],[14,8,14,12],[12,4,12,12]]}
[]
[null,"12.","DECLARATION"]
[]
[null,null,"DECLARATION"]
[null,null,null,"I am authorised to complete this declaration on behalf of the licensee. I certify that this return represents an accurate and fair view of the licensee's position at the above reporting period. I undertake that if there are other material facts affecting the licensee's affairs which, in my judgement should be disclosed, I will advise the Financial Services Commission.   I understand that the Commission may take enforcement action against the licensee under the Financial Services Commission Act where false, inaccurate or misleading information is submitted within this return."]
[]
[]
[null,null,null,"Name (Last Name, First Name)",null,null,null,null,"Name of Organisation (if not within Licensee)"]
[]
[null,null,null,"Relationship to Licensee: "]
[null,null,null,"      Registered Agent ",null,null,null,"Director/Senior Officer",null,null,null,"Employee"]
[]
[null,null,null,"      Other (please specify): "]
[]
[]
[null,null,null,"Email Address",null,null,null,null,"Telephone Number"]
[]
[]
[null,null,null,"Date"]

{"sheet":"Answer Key","index":10,"n_rows":14,"n_cols":2,"rows_kept":14,"cut":false,"hidden":true,"merged":[[1,0,2,0],[17,0,19,0]]}
[]
["Answer Key for Questions","Yes"]
[null,"No"]
[null,"N/A"]
[]
[null,"Agency Agreement "]
[null,"Brokerage Agreement"]
[]
[]
[null,0]
[null,"1 to 4 "]
[null,"5 to 8 "]
[null,"9 to 12 "]
[null,"more than 12"]