Cms mlr instructions pdf. Shapiro, Director, Medicare Plan Payment Group .

Cms mlr instructions pdf Technical questions may be addressed to the HPMS Help Desk at hpms@cms. S. The Affordable Care Act created the medical loss ratio (MLR) program beginning for coverage provided beginning 2011 and the temporary risk corridors program for qualified health plan coverage provided 2014 through 2017. 2460 and 423. Each Medicare Advantage (MA) Organization, Cost Plan, and Part D Plan Sponsor is ACA assessments and fees: undated Part 3, Lines 6. An attestation must be submitted in HPMS for each MLR Data Form. Reports will be uploaded as each examination is completed and the Report, including company responses, is finalized. This required information collection will be used to meet the statutory requirements at sections 1857(e)(4) and 1860D-12 of the Social Security Act to determine the medical loss ratio for each contract year and to apply remittances and sanctions. Search; CMS-10418 MLR Form Instructions Medical Loss Ratio Annual Reports, MLR Health Service Act (PHSA), which includes elements that make up the medical loss ratio (MLR) and the calculation and provision of rebates to enrollees. The issuer has ceased offering health insurance coverage, as defined by §2791(b)(1) of the PHSA, in the small group, large group, and individual health insurance markets in every State in which it ACA assessments and fees: undated Part 3, Lines 6. Oct 19, 2015 · Page 1 of 5 CMS Guidance Regarding Medicare Medical Loss Ratio (MLR) Reporting Requirements: Q&A (10/19/2015 Update) The purpose of this document is to provide guidance regarding Medicare (Parts C and D) MLR reporting requirements. omb approved # 0938-1232 . Each Medicare Advantage (MA) Organization, Cost Plan, and Part D Plan Sponsor is required to submit MLR information to CMS for each contract year pursuant to the regulations at 42 CFR §§ 422. 1a-b to provide issuers the option of deferring reporting of ACA assessments and fees for the 2019 fee year on non-calendar year policies until the 2020 About the Medical Loss Ratio. SUBJECT: Release of Medical Loss Ratio (MLR) Data Form and Filing Instructions for Contract Year 2019 Each Medicare Advantage (MA) organization, cost plan, and Part D sponsor is required to submit MLR information to CMS for each contract year pursuant to the regulations at 42 CFR §§ 422. Each Medicare Advantage (MA) Organization, Cost Plan, and Part D Plan Sponsor is required to 3 INSTRUCTIONS FOR THE 2012 MLR REPORTING YEAR . The Affordable Care Act requires health insurance issuers (issuers) to spend a set percentage of premium dollars on health care services and activities to improve health care quality. for medicare advantage organizations and . Oct 6, 2015 · Page 1 of 5 CMS Guidance Regarding Medicare Medical Loss Ratio (MLR) Reporting Requirements: Q&A (10/06/2015 Update) The purpose of this document is to provide guidance regarding Medicare (Parts C and D) MLR reporting requirements. Sections 1402 and 1412 of the ACA and the implementing regulations at 45 C. Introduction . Each Medicare Advantage (MA) Organization, Cost Plan, and Part D Plan Sponsor is required to submit medical loss ratio (MLR) information to CMS for each contract year pursuant to the The data included in the MLR Reporting Tool will be used to calculate the Medicare medical loss ratio (MLR) and remittance amount, if any. HIOS MLR User Manual – Last Updated August 2023 Page 8 . The Final Program Instructions are published concurrently with the Rate Announcement that, Subject: Announcement of Medical Loss Ratio Annual Reporting Procedures for the 2021 MLR Reporting Year. Health Service Act (PHSA), which includes elements that make up the medical loss ratio (MLR) and the calculation and provision of rebates to enrollees. An attestation must be submitted in HPMS for each MLR Report. 00. 1a-b to provide issuers the option of deferring reporting of ACA assessments and fees for the 2019 fee year on non-calendar year policies until the 2020 These MLR Form Filing Instructions only apply to the 2024 MLR reporting year and its reporting requirements. F. Centers for Medicare & Medicaid Services (CMS) Medical Loss Ratio (MLR) Annual Reporting Form . SUBJECT: Release of Medical Loss Ratio (MLR) Data Form and Filing Instructions for Contract Year 2020 . as of january 10, 2022 . The Department may not cite, use, or changes newly in place for CY 2025 made by the IRA, as well as guidance for CY 2023 Medical Loss Ratio (MLR) reporting related to the Inflation Reduction Act Subsidy Amount (IRASA). Questions related to the guidance in this document may be sent to . Medical Loss Ratio (MLR) Relevant Requirements Section 1857(e)(4) of the Social Security Act (“the Act”) requires Medicare Advantage organizations to maintain a medical loss ratio (MLR) of at least 85%, a requirement made applicable to Medicare Part D contracts through section 1860D-12(b)(3)(D) of the Act. 2011 Reporting Year. 403, allows the U. CMS is modifying the medical loss ratio (MLR) Annual Reporting Form for the 2014 MLR reporting year, approved under OMB control number 0938-1164, to add information related to the risk corridors data submission requirements described under §153. Nov 13, 2020 · If a State elects to mandate a minimum MLR for its MCOs, PIHPs, or PAHPs, that minimum MLR must be equal to or higher than 85 percent (the standard used for projecting actuarial soundness under § 438. Part 153 established The instructions and guidance in this document are based on sections 1857(e) and 1860D-12 of the Act and the regulations at subparts X in 42 CFR Parts 422 and 423 (42 CFR §§ 422. Medical Loss Ratio Formula Documentation August 16, 2018 1 I. Shapiro, Director, Medicare Plan Payment Group . Each Medicare Advantage Organization (MAO), Cost Plan, and Part D Plan Sponsor is required to submit medical loss ratio information to CMS for each contract year (CY) pursuant to the regulations at 42 CFR §§ 422. To gain access to the Medical Loss Ratio module within HIOS, users will first need to create an Enterprise FROM: Jennifer R. Changes made by section 11201 of the IRA specific to CY 2023 are described in separate HHS MLR Questions (HHS); CMS ACA Risk Corridors Kondroik, Laura 2016 MLR and RC instruction/ form questions CMS-10418 - 2016 MLR Form Instructions 2017-x. Appendix Table VII. Following an exit conference with the Company, the Company responded to each Finding and Corrective Action. This memorandum outlines the process by which health insurance issuers will submit their medical loss ratio (MLR) data to fulfill reporting obligations under the MLR provisions of the Patient Protections and Affordable Care Act. Section 1342 of the PPACA and the implementing regulations at 45 C. 2420 and 423. Additional guidance regarding the MLR reporting requirements may be found at: Health Service Act (PHSA), which includes elements that make up the medical loss ratio (MLR) and the calculation and provision of rebates to enrollees. the COVID-19 permissive actions and other costs in the medical loss ratio (MLR) calculation for contract years (CY) 2020 and 2021. Part 156 MEDICAL LOSS RATIO (MLR) REBATE NOTICE INSTRUCTIONS MLR REBATE NOTICE INSTRUCTIONS The Affordable Care Act requires health insurance issuers (issuers) to spend a set percentage of premium dollars on health care services and activities to improve health care quality. The Code of Federal Regulation (CFR), Title 45, Part 158. Mar 26, 2014 · 3 General Instructions Reinsurance Experience under a 100% assumption reinsurance agreement (with a novation) must be reported by the assuming issuer as direct business, for the entire MLR reporting year during which the TO: Medicare Advantage Organizations, Cost Plans, and Prescription Drug Plan Sponsors . law, CMS is issuing these Final Program Instructions for implementation of section 11201 of the IRA for 2025 and for implementation of Medical Loss Ratio (MLR) reporting instructions related to the Inflation Reduction Act Subsidy Amount (IRASA) for 2023. FROM: Jennifer R. Each Medicare Advantage (MA) Organization, Cost Plan, and Part D Plan Sponsor is required to Medical Loss Ratio (MLR) Report and Attestation Submission Reminder for Contract Year 2023. Filing Instructions for the 2015 MLR Reporting Year OMB 0938-1164 reference document for CMS-10418 MLR Form Instructions. The data included in the MLR Annual Reporting Form May 28, 2015 · 4 General Instructions Reinsurance Experience under a 100% assumption reinsurance agreement (with a novation) must be reported by the assuming issuer as direct business, for the entire MLR reporting year during which the An MLR Form must be prepared and submitted for each State in which the issuer has written direct health insurance coverage or has direct amounts paid, incurred, or unpaid for the provision of health care Use the search tool to find an insurer's Medical Loss Ratio report for applicable reporting years. report. This is known generally as the Medical Loss Ratio (MLR) standard or the 80/ 1. In the October 5, 2005 interim final rule, CMS stated that states sampledfor review may still be required to conduct eligibility reviews as described in the proposed rule. Questions regarding the Medicare MLR data form may be sent to . HIOS MLR User Manual v 13. The Affordable Care Act requires health insurance issuers to submit data on the proportion of premium revenues spent on clinical services and quality improvement, also known as the Medical Loss Ratio (MLR). These filing instructions apply to the CY 2014 MLR reporting year. Risk Corridors: Deleted lines on Part 3 related to transitional adjustment percentage (the 2% adjustment TO: Medicare Advantage Organizations, Cost Plans, and Prescription Drug Plan Sponsors . These filing instructions apply to the CY 2016 MLR reporting year. the data published in HPMS when preparing their CY 2021 MLR Data Forms. May 8, 2016 · Centers for Medicare & Medicaid Services (CMS) Medical Loss Ratio (MLR) Annual Reporting Form . Sep 21, 2011 · MLR 2021 Annual Reporting Form Instructions (PDF) MLR 2021 Annual Reporting Form (XLSX) MLR 2021 Calculator and Formula Tool (XLSM) June 23, 2023. Filing Instructions for the 2018 MLR Reporting Year TO: Medicare Advantage Organizations, Cost Plans, and Prescription Drug Plan Sponsors . This is known generally as the Medical Loss Ratio (MLR) standard or the 80/20 rule. The numbers included in this MLR Annual Reporting Form (MLR Form) are the exact numbers that will be used to calculate an issuer’s medical loss ratio (MLR) and rebates, if any, under May 28, 2015 · 4 General Instructions. 530. The issuer has ceased offering health insurance coverage, as defined by §2791(b)(1) of the PHSA, in the small group, large group, and individual health insurance markets in every State in which it Act), including the elements that make up the medical loss ratio and calculation and provision of rebates to enrollees. 4(b)) and the MLR must be calculated and reported for each MLR reporting year by the MCO, PIHP, or PAHP, consistent with this section. • The submission window for the 2023 reporting year will open on July 1, 2024 and close on August 15, 2024. Reinsurance Experience under a 100% assumption reinsurance agreement (with a novation) must be reported by the assuming issuer as direct business, for the entire MLR reporting year during which the Act), including the elements that make up the medical loss ratio and calculation and provision of rebates to enrollees. This filing is the report to the Secretary required by section 2718 of the Public Health Service Act Centers for Medicare & Medicaid Services (CMS) Medical Loss Ratio (MLR) Annual Reporting Form . 2460. These filing instructions apply to the CY 2018 MLR reporting year. (HHS) concerning their medical loss ratio (MLR) and requires them to issue an annual rebate to enrollees if the issuer’s MLR is less than the applicable MLR standard established in section 2718(b)(1)(A)(i) and (ii). These Filing Instructions will be revised to reflect changes that apply to the filing years Health Service Act (PHSA), which includes elements that make up the medical loss ratio (MLR) and the calculation and provision of rebates to enrollees. omb expiration date: specific MLR report based on the requirements defined during the demonstration development process. 1a-b to provide issuers the option of deferring reporting of ACA assessments and fees for the 2019 fee year on non-calendar year policies until the 2020 May 13, 2024 · Subject: Announcement of Medical Loss Ratio Annual Reporting Procedures for the 2023 MLR Reporting Year . cms-10476 . prescription drug plan sponsors . MLR EXAMINATION REPORTING INSTRUCTIONS . OMB application/pdf: File Title: MLR Notice Instructions: Subject: Medical Loss Ratio, MLR (HHS) concerning their medical loss ratio (MLR) and issue an annual rebate to enrollees if the issuer’s MLR is less than the applicable MLR standard established in section 2718(b)(1)(A)(i) and (ii). MEDICAL LOSS RATIO (MLR) REPORT FILING INSTRUCTIONS FOR CONTRACT YEAR (CY) 2015 FOR MEDICARE ADVANTAGE ORGANIZATIONS AND PRESCRIPTION DRUG PLAN SPONSORS As of November 21, 2016 ERRATA SHEET 1) Page 13 of the CY 2015 MLR Report filing instructions document provides a mapping of CMS revenue report fields to the revenue categories of the MLR Report. 00 . SUBJECT: Medical Loss Ratio Data Form and Attestation Submission Reminder for Contract Year 2021. This page contains MLR examination reports that are organized by the MLR reporting year. These filing instructions apply to the CY 2022 MLR reporting year. gov. CHIP managed care quality strategy. In this guidance, CMS committed to developing additional tools for monitoring and oversight of managed care. The Department of Health and Human Services, Centers for Medicare and Medicaid Services Medical Loss Ratio Quarterly Reporting Form Instructions . These Filing Instructions will be revised to reflect changes that apply to the filing years These MLR Form Filing Instructions only apply to the 2023 MLR reporting year and its reporting requirements. The data included in the MLR Annual Reporting Form ACA assessments and fees: undated Part 3, Lines 6. Reporting of 100% indemnity reinsurance and administrative agreements is limited to those agreements both entered into and effective prior to March 23, 2010, where the assuming entity is 1. 3. MLRreport@cms. The data included in the MLR Annual Reporting Form specific MLR report based on the requirements defined during the demonstration development process. Regulations implementing the MLR program appear in 45 CFR Part 158, and regulations Release of Medical Loss Ratio (MLR) Data Form and Filing Instructions for Contract Year 2022. Filing Instructions for the 2016 MLR Reporting Year Medical Loss Ratio Reporting System (MLR module) has been identified as the system of record to support the collection of the MLR data. Mar 17, 2022 · Secretary of the Department of Health and Human Services (HHS) concerning their medical loss ratio (MLR) and issue an annual rebate to enrollees if the issuer’s MLR is less than the applicable MLR standard established in section 2718(b)(1)(A)(i) and (ii). Under the Patient Protection and Care Act, health insurers Affordable subject to an are audit/examination of their medical loss ratio (MLR) reporting and related rebate obligations. Department of Health & Human Services (HHS ) in consultation with the National Association of Insurance Commissioners (NAIC): (HHS) concerning their medical loss ratio (MLR) and requires them to issue an annual rebate to enrollees if the issuer’s MLR is less than the applicable MLR standard established in section 2718(b)(1)(A)(i) and (ii). 4. Department of Health Medical Loss Ratio Annual Reports, MLR Notices, and Recordkeeping Requirements (CMS-10418) OMB 0938-1164. and 423. The MLR Data Form collects the Medicare medical loss ratio (MLR) and remittance amount, if any, or that the contract is non-credible for the applicable year (CY 2022). 3 Accessing MLR . Medicare & Medicaid Services (CMS) with the ongoing management of Medicare programs and policies. SUBJECT: Release of Medical Loss Ratio (MLR) Report and Filing Instructions for Contract Year 2023. For each FY, CMS stated that it expected to measure up to 18 states. pdf We have a couple of questions on the draft 2016 MLR / RC forms and instructions that were released on May 3, 2017, May 28, 2015 · MEDICAL LOSS RATIO (MLR) REBATE NOTICE INSTRUCTIONS MLR REBATE NOTICE INSTRUCTIONS The Affordable Care Act requires health insurance issuers (issuers) to spend a set percentage of premium dollars on health care services and activities to improve health care quality. The issuer has ceased offering health insurance coverage, as defined by §2791(b)(1) of the PHSA, in the small group, large group, and individual health insurance markets in every State in which it An MLR Form must be prepared and submitted for each State in which the issuer has written direct health insurance coverage or has direct amounts paid, incurred, or unpaid for the provision of health care MEDICAL LOSS RATIO (MLR) REBATE NOTICE INSTRUCTIONS MLR REBATE NOTICE INSTRUCTIONS The Affordable Care Act requires health insurance issuers (issuers) to spend a set percentage of premium dollars on health care services and activities to improve health care quality. The following instructions apply to both the “mini-med” and expatriate plan quarterly filings. The data included in the MLR Annual Reporting Form MEDICAL LOSS RATIO (MLR) REBATE NOTICE INSTRUCTIONS . On July 6, 2022, CMS published the second CIB2 that provided an update on the web-based reporting portal and introduced two additional reporting templates for the Medical Loss Ratio The Affordable Care Act created the medical loss ratio (MLR) program beginning for coverage provided beginning 2011 and the temporary risk corridors program for qualified health plan coverage provided 2014 through 2017. Instructions for using CMS technical resource for MLR reporting: Expense Allocation Methodologies 99 centers for medicare & medicaid services (cms) medical loss ratio (mlr) data form . Instructions for using CMS technical resource for MLR reporting: Expense Allocation Methodologies 99 . 5 • Section 80: Medical Loss Ratio (MLR) (in the Final CY 2025 Program Instructions: “Section 160: Medical Loss Ratio (MLR) (§§ 423. MLR REBATE NOTICE INSTRUCTIONS . Regulations implementing the MLR program appear in 45 CFR Part 158, and regulations Nov 13, 2020 · OMB 0938-1164 reference document for CMS-10418 MLR Notice Instructions. (HIOS) Medical Loss Ratio Reporting System (MLR module) has been identified as the system of record to support the collection of the MLR data. (Milliman) to develop a Medical Loss Ratio (MLR) reporting tool for the calculation and assessment of the minimum MLR standards set forth in Jan 8, 2025 · The MLR examination program commenced in 2015 with review of data reported for the 2013 MLR reporting year. OMB. report May 8, 2016 · Re-designated Column: Replaced the Aggregate 2% Rule column (column 42 on Parts 1 and 2) with the Medicare MLR Business column (informational only). to submit medical loss ratio (MLR) information to CMS for each contract year (CY) pursuant to the regulations at 42 CFR §§ 422. CMS also announced its intentions to establish an eligibility workgroup to make recommendations on Release of Medical Loss Ratio (MLR) Data Form and Filing Instructions for Contract Year 2018 . The numbers included in this MLR Annual Reporting Form (MLR Form) are the exact numbers that will be used to calculate an issuer’s medical loss ratio (MLR) and rebates, if any, under May 28, 2015 · MEDICAL LOSS RATIO (MLR) REBATE NOTICE INSTRUCTIONS MLR REBATE NOTICE INSTRUCTIONS The Affordable Care Act requires health insurance issuers (issuers) to spend a set percentage of premium dollars on health care services and activities to improve health care quality. BACKGROUND The State of Nevada Division of Health Care Financing and Policy (DHCFP) has retained Milliman, Inc. The MLR Data Form collects the Medicare medical loss ratio (MLR) and remittance amount, if any. May 28, 2015 · MEDICAL LOSS RATIO (MLR) REBATE NOTICE INSTRUCTIONS MLR REBATE NOTICE INSTRUCTIONS The Affordable Care Act requires health insurance issuers (issuers) to spend a set percentage of premium dollars on health care services and activities to improve health care quality. These Filing Instructions will be revised to reflect changes that apply to the filing years Jun 2, 2023 · May 3, 2024: Announcement of Deadlines for Medical Loss Ratio Data Forms and Attestations for Contract Year 2022 (PDF) CY 2021 MLR. ), adopted in the final rule “Medicare Program; Medical Loss Ratio Requirements for the Medicare Advantage and the Medicare Act), including the elements that make up the medical loss ratio and calculation and provision of rebates to enrollees. The numbers included in this MLR Annual Reporting Form (MLR Form) are the exact numbers that will be used to calculate an issuer’s medical loss ratio (MLR) and rebates, if any, under Mar 26, 2014 · Health Service Act (PHSA), which includes elements that make up the medical loss ratio (MLR) and the calculation and provision of rebates to enrollees. SUBJECT: Release of Medical Loss Ratio (MLR) Data Form and Filing Instructions for Contract Year 2021. 2400 et. The data included in the MLR Annual Reporting Form May 8, 2016 · Re-designated Column: Replaced the Aggregate 2% Rule column (column 42 on Parts 1 and 2) with the Medicare MLR Business column (informational only). seq. These MLR Form Filing Instructions only apply to the 2021 MLR reporting year and its reporting requirements. Does the CY 2020 MLR numerator include amounts that an MA organization or Part May 28, 2015 · Centers for Medicare & Medicaid Services (CMS) Medical Loss Ratio (MLR) Annual Reporting Form Filing Instructions for the 2014 MLR Reporting Year Mar 26, 2014 · 3 General Instructions Reinsurance Experience under a 100% assumption reinsurance agreement (with a novation) must be reported by the assuming issuer as direct business, for the entire MLR reporting year during which the Oct 19, 2015 · Page 1 of 5 CMS Guidance Regarding Medicare Medical Loss Ratio (MLR) Reporting Requirements: Q&A (10/19/2015 Update) The purpose of this document is to provide guidance regarding Medicare (Parts C and D) MLR reporting requirements. • The MLR data will be collected using Excel templates (MLR Annual Reporting Form). Risk Corridors: Deleted lines on Part 3 related to transitional adjustment percentage (the 2% adjustment The data included in the MLR Reporting Tool will be used to calculate the Medicare medical loss ratio (MLR) and remittance amount, if any. Dec 18, 2024 · Issued by: Centers for Medicare & Medicaid Services (CMS) Issue Date: May 04, 2022. Filing Instructions for the 2018 MLR Reporting Year Jan 6, 2025 · of the Medical Loss Ratio (MLR) Annual Reporting Form submitted by Nippon Life Insurance Company of America (the Company) for the 2017 reporting year, including 2017, 2016, and 2015 data reported on that form. CMS technical resource for MLR reporting: Expense Allocation Methodologies 96 . May 28, 2015 · plans. Public Use File for 2011 (as of November 26, 2012) (ZIP) This release contains the raw data submitted by insurance companies subject to Medical Loss Ratio reporting requirements in 2011. R. Filing Instructions for the 2016 MLR Reporting Year MLR Examination Reporting Instructions, Updated March 2016,” developed by the U. Reinsurance Experience under a 100% assumption reinsurance agreement (with a novation) must be reported by the assuming issuer as direct business, for the entire MLR reporting year during which the MEDICAL LOSS RATIO (MLR) REBATE NOTICE INSTRUCTIONS MLR REBATE NOTICE INSTRUCTIONS The Affordable Care Act requires health insurance issuers (issuers) to spend a set percentage of premium dollars on health care services and activities to improve health care quality. DISCLAIMER: The contents of this database lack the force and effect of law, except as authorized by law (including Medicare Advantage Rate Announcements and Advance Notices) or as specifically incorporated into a contract. It also requires them to issue rebates to enrollees if this percentage does not meet minimum standards. Q1. hhs. MLR 2022 Annual Reporting Form Instructions (PDF) MLR 2022 Annual Reporting Form (XLSX) MLR 2022 Calculator and Formula Tool (XLSM) June 23, 2023 Medical Loss Ratio (MLR) Rebate Notices to May 28, 2015 · 4 General Instructions. • The submission window for the 2020 reporting year will open on July 1, 2021. Page 1 of 5 CMS Guidance Regarding Medicare Medical Loss Ratio (MLR) Reporting Requirements: Q&A (10/19/2015 Update) The purpose of this document is to provide guidance regarding Medicare (Parts C and D) MLR reporting requirements. 2460)”) 7 For purposes of these program instructions, CMS refers to this guidance as the Revised Guidance for Initial Price Applicability Year 2026. 3 INSTRUCTIONS FOR THE 2012 MLR REPORTING YEAR . This filing is the report to the Secretary required by section 2718 of the Public Health Service Act 1. Companies that are required to submit the Risk Corridors Plan-level Data Form for benefit. On June 2, 2023, CMS released a memo with information regarding the CY 2022 MLR data form and filing instructions, along with the anticipated timeline for the CY 2022 MLR submissions. When reporting quarterly, all data should be reported on a year-to-date basis for the 2011 MLR reporting Oct 19, 2015 · Page 1 of 5 CMS Guidance Regarding Medicare Medical Loss Ratio (MLR) Reporting Requirements: Q&A (10/19/2015 Update) The purpose of this document is to provide guidance regarding Medicare (Parts C and D) MLR reporting requirements. The data included in the MLR Reporting Tool will be used to calculate the Medicare medical loss ratio (MLR) and remittance amount, if any. filing instructions for contract year (cy) 2023 . The data included in the MLR Annual Reporting Form Centers for Medicare & Medicaid Services (CMS) Medical Loss Ratio (MLR) Annual Reporting Form . CY 2021 MLR Workbook and Instructions (ZIP) Memoranda and other guidance: May 31, 2022: Release of Medical Loss Ratio (MLR) Data Form and Filing Instructions for Contract Year 2021 (PDF) June 28, 2022: Guidance for Appendix Table VII. nqbr ancjsn lbou jzscb vdoic qzfycq niudlb gglyhvm ehebli txqiw