So once we have calculated the percentage of the written premiums that are earned in the year, which in this case is 54.2%, and the percentage of premiums which unearned, we can then actually project out the base calculation of the unearned premium reserve. So, let's start by just projecting out the written premiums here and I've got 100 historical amount and I'm going to multiply that one plus 4% and I'll just copy that across for the five-year period. Then what I'm going to do is I'm gonna calculate of the written premiums, the amount that are earned and the amount that are unearned during the year. So I'm take the written premiums and I'm gonna multiply that by the amount that's earned in the year and I'll do the same to get the amount that is unearned in the year. Now what I want to do is absolute reference, the references or the percentages here, 'cause that means what I can then do is I can copy these across and it will just for the forecast five years, just give me the amount of earned premiums for the written premiums in the year and the amount that's unearned. So for the unearned premium reserve, we begin year one with the historical ending balance of 45.8. And then what we'll do is we'll add the premiums that are unearned, 'cause remember this is the unearned premium reserve. So, I'll take the 47.7 and I'll add it to that. Now, because we are moving one-year forward, it means that the historical unearned premiums and now going to become earned. Because actually what will happen is the earned premiums are going to be a combination of the 45.8 plus the 56.3 and then we'll just sum that to get an ending balance there. So I'll just copy that, right? And you can see that the amount of the unknown premium reserve just represents the amount that was not earned during that year. So from the perspective of the financial statements, you often will see at the top of the income statement written premiums, and we'll start with 104 as a written premiums in the year. Then you often, not always, but in many financial statements, you will see the change in the unearned premium reserve. So what they do here is they will take the historical period minus the current period. So it's gone up. And what that means is of that 104, 1.9 of them were not earned. And I'll sum those two together to get my earned premiums of 102. And let me just do a quick check here and we can calculate the earned premiums just by taking the amount that was earned in the written premiums in the year, which is 56.3, plus the amount that was unearned at the beginning of the year, which are going to become earned. And you'll see we get 102.1, but this presentation, these three lines where we have written premium, the change in the earned premium reserve, to give us earned premiums is a very, very common presentation. So let's just copy that right for the rest of the little example here.