Spreadsheet: 164441d1340770559-help-combine-if-and-vlookup-forumlas-or-another-way-of-getting-the-solution-tester-template
Sheet: WKSHT#2

 | Normal Risk Assumptions and Algorithm by Industry
 |  | worksheet #2
 | note: CB + CR Ratio do not equal normal risk of CB and CR because CB ratio is adjusted
 | for return days and converted to basis points.
NAICS Code | Industry | CB Ratio | [NAME] | CR # Days | Normal Risk % of Annual Sales
 | Low Risk Industries
238290 | Other Building Equipment Contractors | 0.01 | 0.01 | 0.01 | 0.01
314121 | Curtain and Drapery Mills | 0.01 | 0.01 | 0.01 | 0.01
314129 | Other Household Textile Product Mills | 0.01 | 0.01 | 0.01 | 0.01
315220 | Men's and [NAME]'s cut and [NAME] | 0.01 | 0.01 | 0.01 | 0.01
315240 | Women's , Girls and Infants Cut and Sew Apparel Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
327112 | Vitreous China, [NAME], and Other Pottery Product Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
333313 | Office Machinery Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
334518 | Watch, Clock, and Part Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
339113 | Surgical Appliance and Supplies Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
339942 | Lead Pencil and [NAME] | 0.01 | 0.01 | 0.01 | 0.01
441110 | New Car Dealers | 0.01 | 0.01 | 0.01 | 0.01
441222 | Boat Dealers | 0.01 | 0.01 | 0.01 | 0.01
441228 | Motorcycle, [NAME], and All Other Motor Vehicle Dealers | 0.01 | 0.01 | 0.01 | 0.01
441310 | Automotive Parts and Accessories Stores | 0.01 | 0.01 | 0.01 | 0.01
441320 | Tire Dealers | 0.01 | 0.01 | 0.01 | 0.01
442210 | Floor Covering Stores | 0.01 | 0.01 | 0.01 | 0.01
442299 | All Other Home Furnishings Stores | 0.01 | 0.01 | 0.01 | 0.01
443111 | Household Appliance Stores | 0.01 | 0.01 | 0.01 | 0.01
443112 | Radio, Television, and Other Electronics Stores | 0.01 | 0.01 | 0.01 | 0.01
444120 | Paint and Wallpaper Stores | 0.01 | 0.01 | 0.01 | 0.01
444130 | Hardware Stores | 0.01 | 0.01 | 0.01 | 0.01
444130 | Hardware Stores | 0.01 | 0.01 | 0.01 | 0.01
444190 | Other Building Material Dealers | 0.01 | 0.01 | 0.01 | 0.01
444210 | Outdoor Power Equipment Stores | 0.01 | 0.01 | 0.01 | 0.01
444210 | Outdoor Power Equipment Stores | 0.01 | 0.01 | 0.01 | 0.01
444220 | Nurseries, Garden Centers, and Farm Supply Stores | 0.01 | 0.01 | 0.01 | 0.01
445120 | Convenience Stores | 0.01 | 0.01 | 0.01 | 0.01
445210 | Meat Markets | 0.01 | 0.01 | 0.01 | 0.01
445220 | Fish and Seafood Markets | 0.01 | 0.01 | 0.01 | 0.01
445299 | All Other Specialty Food Stores | 0.01 | 0.01 | 0.01 | 0.01
446110 | Pharmacies and Drug Stores | 0.01 | 0.01 | 0.01 | 0.01
446120 | Cosmetics, [NAME], and Perfume Stores | 0.01 | 0.01 | 0.01 | 0.01
446191 | Food (Health) Supplement Stores | 0.01 | 0.01 | 0.01 | 0.01
446199 | All Other Health and Personal Care Stores | 0.01 | 0.01 | 0.01 | 0.01
447110 | Gasoline Stations with Convenience Stores | 0.01 | 0.01 | 0.01 | 0.01
447110 | Gasoline Stations with Convenience Stores | 0.01 | 0.01 | 0.01 | 0.01
447190 | Other Gasoline Stations | 0.01 | 0.01 | 0.01 | 0.01
448110 | Men's Clothing Stores | 0.01 | 0.01 | 0.01 | 0.01
448120 | Women's Clothing Stores | 0.01 | 0.01 | 0.01 | 0.01
448130 | Children's and Infants' Clothing Stores | 0.01 | 0.01 | 0.01 | 0.01
448140 | Family Clothing Stores | 0.01 | 0.01 | 0.01 | 0.01
448150 | Clothing Accessories Stores | 0.01 | 0.01 | 0.01 | 0.01
448150 | Clothing Accessories Stores | 0.01 | 0.01 | 0.01 | 0.01
448150 | Clothing Accessories Stores | 0.01 | 0.01 | 0.01 | 0.01
448190 | Other Clothing Stores | 0.01 | 0.01 | 0.01 | 0.01
448190 | Other Clothing Stores | 0.01 | 0.01 | 0.01 | 0.01
448190 | Other Clothing Stores | 0.01 | 0.01 | 0.01 | 0.01
448210 | Shoe Stores | 0.01 | 0.01 | 0.01 | 0.01
448320 | Luggage and Leather Goods Stores | 0.01 | 0.01 | 0.01 | 0.01
451110 | Sporting Goods Stores | 0.01 | 0.01 | 0.01 | 0.01
451110 | Sporting Goods Stores | 0.01 | 0.01 | 0.01 | 0.01
451120 | Hobby, Toy, and Game Stores | 0.01 | 0.01 | 0.01 | 0.01
451130 | Sewing, Needlework, and Piece Goods Stores | 0.01 | 0.01 | 0.01 | 0.01
451211 | Book Stores | 0.01 | 0.01 | 0.01 | 0.01
452111 | Department Stores (except Discount Department Stores) | 0.01 | 0.01 | 0.01 | 0.01
452112 | Discount Department Stores | 0.01 | 0.01 | 0.01 | 0.01
452910 | [NAME] and Supercenters | 0.01 | 0.01 | 0.01 | 0.01
452910 | [NAME] and Supercenters | 0.01 | 0.01 | 0.01 | 0.01
452990 | All Other General Merchandise Stores | 0.01 | 0.01 | 0.01 | 0.01
452990 | All Other General Merchandise Stores | 0.01 | 0.01 | 0.01 | 0.01
453110 | Florists | 0.01 | 0.01 | 0.01 | 0.01
453220 | [NAME], [NAME], and Souvenir Stores | 0.01 | 0.01 | 0.01 | 0.01
453310 | Used Merchandise Stores | 0.01 | 0.01 | 0.01 | 0.01
453910 | Pet and Pet Supplies Stores | 0.01 | 0.01 | 0.01 | 0.01
453920 | Art Dealers | 0.01 | 0.01 | 0.01 | 0.01
453998 | All Other Miscellaneous Store Retailers (except Tobacco Stores) | 0.01 | 0.01 | 0.01 | 0.01
454310 | Fuel Dealers | 0.01 | 0.01 | 0.01 | 0.01
454390 | Other Direct Selling Establishments | 0.01 | 0.01 | 0.01 | 0.01
487110 | Scenic and Sightseeing Transportation, Land | 0.01 | 0.01 | 0.01 | 0.01
487210 | Scenic and Sightseeing Transportation, Water | 0.01 | 0.01 | 0.01 | 0.01
487990 | Scenic and Sightseeing Transportation, Other | 0.01 | 0.01 | 0.01 | 0.01
488390 | Other Support Activities for Water Transportation | 0.01 | 0.01 | 0.01 | 0.01
522298 | All Other Nondepository Credit Intermediation | 0.01 | 0.01 | 0.01 | 0.01
532111 | Passenger [NAME] | 0.01 | 0.01 | 0.01 | 0.01
532220 | Formal Wear and Costume Rental | 0.01 | 0.01 | 0.01 | 0.01
532292 | Recreational Goods Rental | 0.01 | 0.01 | 0.01 | 0.01
541940 | Veterinary Services | 0.01 | 0.01 | 0.01 | 0.01
541990 | All Other Professional, Scientific, and Technical Services | 0.01 | 0.01 | 0.01 | 0.01
561311 | Employment Placement Agencies | 0.01 | 0.01 | 0.01 | 0.01
561599 | All Other Travel Arrangement and Reservation Services | 0.01 | 0.01 | 0.01 | 0.01
561622 | Locksmiths | 0.01 | 0.01 | 0.01 | 0.01
561790 | Other Services to Buildings and Dwellings | 0.01 | 0.01 | 0.01 | 0.01
561990 | All Other Support Services | 0.01 | 0.01 | 0.01 | 0.01
562991 | Septic Tank and Related Services | 0.01 | 0.01 | 0.01 | 0.01
562998 | All Other Miscellaneous Waste Management Services | 0.01 | 0.01 | 0.01 | 0.01
611511 | Cosmetology and [NAME] | 0.01 | 0.01 | 0.01 | 0.01
611620 | Sports and Recreation Instruction | 0.01 | 0.01 | 0.01 | 0.01
611699 | All Other Miscellaneous Schools and Instruction | 0.01 | 0.01 | 0.01 | 0.01
621111 | Offices of Physicians (except Mental Health Specialists) | 0.01 | 0.01 | 0.01 | 0.01
621112 | Offices of Physicians, Mental Health Specialists | 0.01 | 0.01 | 0.01 | 0.01
621210 | Offices of Dentists | 0.01 | 0.01 | 0.01 | 0.01
621320 | Offices of Optometrists | 0.01 | 0.01 | 0.01 | 0.01
621330 | Offices of Mental Health Practitioners (except [NAME]) | 0.01 | 0.01 | 0.01 | 0.01
621340 | Offices of Physical, Occupational Speech Therapists, and Audiologists | 0.01 | 0.01 | 0.01 | 0.01
621491 | HMO Medical Centers | 0.01 | 0.01 | 0.01 | 0.01
621493 | Freestanding Ambulatory Surgical and Emergency Centers | 0.01 | 0.01 | 0.01 | 0.01
621511 | Medical Laboratories | 0.01 | 0.01 | 0.01 | 0.01
621512 | Diagnostic Imaging Centers | 0.01 | 0.01 | 0.01 | 0.01
622110 | General Medical and Surgical Hospitals | 0.01 | 0.01 | 0.01 | 0.01
711110 | Theater Companies and Dinner Theaters | 0.01 | 0.01 | 0.01 | 0.01
711190 | Other Performing Arts Companies | 0.01 | 0.01 | 0.01 | 0.01
711219 | Other Spectator Sports | 0.01 | 0.01 | 0.01 | 0.01
711310 | Promoters of Performing Arts, Sports, and Similar Events with Facilities | 0.01 | 0.01 | 0.01 | 0.01
711320 | Promoters of Performing Arts, Sports, and Similar Events without Facilities | 0.01 | 0.01 | 0.01 | 0.01
711510 | Independent Artists, [NAME], and Performers | 0.01 | 0.01 | 0.01 | 0.01
712110 | Museums | 0.01 | 0.01 | 0.01 | 0.01
712190 | [NAME] and Other Similar Institutions | 0.01 | 0.01 | 0.01 | 0.01
713210 | Casinos (except Casino Hotels) | 0.01 | 0.01 | 0.01 | 0.01
713290 | Other Gambling Industries | 0.01 | 0.01 | 0.01 | 0.01
713920 | Skiing Facilities | 0.01 | 0.01 | 0.01 | 0.01
713940 | Fitness and Recreational Sports Centers | 0.01 | 0.01 | 0.01 | 0.01
713990 | All Other Amusement and Recreation Industries | 0.01 | 0.01 | 0.01 | 0.01
722310 | Food Service Contractors | 0.01 | 0.01 | 0.01 | 0.01
722320 | Caterers | 0.01 | 0.01 | 0.01 | 0.01
722511 | Full-Service Restaurants | 0.01 | 0.01 | 0.01 | 0.01
722513 | Limited-Service Restaurants | 0.01 | 0.01 | 0.01 | 0.01
722514 | Cafeterias, Grill Buffets, and Buffets | 0.01 | 0.01 | 0.01 | 0.01
722515 | Snack and Nonalcoholic Beverage Bars | 0.01 | 0.01 | 0.01 | 0.01
811111 | General Automotive Repair | 0.01 | 0.01 | 0.01 | 0.01
811118 | Other Automotive Mechanical and Electrical Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811198 | All Other Automotive Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811211 | Consumer Electronics Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811211 | Consumer Electronics Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811212 | Computer and Office Machine Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811213 | Communication Equipment Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811219 | Other Electronic and Precision Equipment Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811310 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811411 | Home and Garden Equipment Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811412 | Appliance Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
811430 | Footwear and Leather Goods Repair | 0.01 | 0.01 | 0.01 | 0.01
811490 | Other Personal and Household Goods Repair and Maintenance | 0.01 | 0.01 | 0.01 | 0.01
812112 | Beauty Salons | 0.01 | 0.01 | 0.01 | 0.01
812113 | Nail Salons | 0.01 | 0.01 | 0.01 | 0.01
812191 | Diet and Weight Reducing  Centers | 0.01 | 0.01 | 0.01 | 0.01
812199 | Other Personal Care Services | 0.01 | 0.01 | 0.01 | 0.01
812320 | Drycleaning and Laundry Services (except Coin-Operated) | 0.01 | 0.01 | 0.01 | 0.01
812930 | Parking Lots and Garages | 0.01 | 0.01 | 0.01 | 0.01
812990 | All Other Personal Services | 0.01 | 0.01 | 0.01 | 0.01
812990 | All Other Personal Services | 0.01 | 0.01 | 0.01 | 0.01
 |  | 0.01 | 0.01 | 0.01 | 0.01
 | Average | 0.01 | 0.01 | 0.01 | 0.01
 | High | 0.01 | 0.01 | 0.01 | 0.01
 | Low | 0.01 | 0.01 | 0.01 | 0.01
 |  | 0.01 | 0.01 | 0.01 | 0.01
 |  | 0.01 | 0.01 | 0.01 | 0.01
 | Moderate Risk Industries | 0.01 | 0.01 | 0.01 | 0.01
314120 | Curtain and Linen Mills | 0.01 | 0.01 | 0.01 | 0.01
315222 | Men's and Boys' Cut and Sew Suit, Coat, and [NAME] | 0.01 | 0.01 | 0.01 | 0.01
315223 | Men’s and Boys’ Cut and Sew Shirt (except Work Shirt) Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
315233 | Women’s and Girls’ Cut and Sew Dress Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
327110 | Pottery, Ceramincs, and Plumbing Fixture Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
333318 | Other Commercial and Service Industry Machinery Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
334519 | Other Measuring and Controlling Device Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
339940 | Office Supplies (except paper) Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
441221 | Motorcycle Dealers | 0.01 | 0.01 | 0.01 | 0.01
442291 | Window Treatment Stores | 0.01 | 0.01 | 0.01 | 0.01
442291 | Window Treatment Stores | 0.01 | 0.01 | 0.01 | 0.01
442299 | All Other Home Furnishings Stores | 0.01 | 0.01 | 0.01 | 0.01
443141 | Household Appliance Stores | 0.01 | 0.01 | 0.01 | 0.01
444110 | Home Centers | 0.01 | 0.01 | 0.01 | 0.01
444190 | Other Building Material Dealers | 0.01 | 0.01 | 0.01 | 0.01
448310 | Jewelry Stores | 0.01 | 0.01 | 0.01 | 0.01
451130 | Sewing, Needlework, and Piece Goods Stores | 0.01 | 0.01 | 0.01 | 0.01
451220 | Prerecorded Tape, [NAME], and Record Stores | 0.01 | 0.01 | 0.01 | 0.01
452111 | Department Stores (except Discount Department Stores) | 0.01 | 0.01 | 0.01 | 0.01
452112 | Discount Department Stores | 0.01 | 0.01 | 0.01 | 0.01
454311 | Heating Oil Dealers | 0.01 | 0.01 | 0.01 | 0.01
485310 | Taxi Service | 0.01 | 0.01 | 0.01 | 0.01
485320 | Limousine Service | 0.01 | 0.01 | 0.01 | 0.01
517212 | Cellular and Other Wireless Telecommunications | 0.01 | 0.01 | 0.01 | 0.01
517410 | Satellite Telecommunications | 0.01 | 0.01 | 0.01 | 0.01
517910 | Other Telecommunications | 0.01 | 0.01 | 0.01 | 0.01
611310 | Colleges, Universities, and Professional Schools | 0.01 | 0.01 | 0.01 | 0.01
611610 | Fine Arts Schools | 0.01 | 0.01 | 0.01 | 0.01
713990 | All Other Amusement and Recreation Industries | 0.01 | 0.01 | 0.01 | 0.01
721110 | Hotels (except Casino Hotels) and Motels | 0.01 | 0.01 | 0.01 | 0.01
721120 | Casino Hotels | 0.01 | 0.01 | 0.01 | 0.01
721191 | Bed-and-Breakfast Inns | 0.01 | 0.01 | 0.01 | 0.01
721199 | All Other Traveler Accommodation | 0.01 | 0.01 | 0.01 | 0.01
722110 | Full-Service Restaurants | 0.01 | 0.01 | 0.01 | 0.01
722211 | Limited-Service Restaurants | 0.01 | 0.01 | 0.01 | 0.01
722212 | Cafeterias | 0.01 | 0.01 | 0.01 | 0.01
722213 | Snack and Nonalcoholic Beverage Bars | 0.01 | 0.01 | 0.01 | 0.01
812990 | All Other Personal Services | 0.01 | 0.01 | 0.01 | 0.01
999999 | Unposted | 0.01 | 0.01 | 0.01 | 0.01
 |  | 0.01 | 0.01 | 0.01 | 0.01
 | Average | 0.01 | 0.01 | 0.01 | 0.01
 | High | 0.01 | 0.01 | 0.01 | 0.01
 | Low | 0.01 | 0.01 | 0.01 | 0.01
 |  | 0.01 | 0.01 | 0.01 | 0.01
 | Extraordinary/High Risk Industries | 0.01 | 0.01 | 0.01 | 0.01
337110 | Wood [NAME] and Countertop Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
337121 | Upholstered Household Furniture Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
337122 | Nonupholstered Wood Household Furniture Manufacturing | 0.01 | 0.01 | 0.01 | 0.01
442110 | Furniture Stores | 0.01 | 0.01 | 0.01 | 0.01
443112 | Radio, Television, and Other Electronics Stores | 0.01 | 0.01 | 0.01 | 0.01
443112 | Radio, Television, and Other Electronics Stores | 0.01 | 0.01 | 0.01 | 0.01
443120 | Computer and Software Stores | 0.01 | 0.01 | 0.01 | 0.01
443130 | Camera and Photographic Supplies Stores | 0.01 | 0.01 | 0.01 | 0.01
443142 | Electronic Stores | 0.01 | 0.01 | 0.01 | 0.01
454111 | Electronic Shopping | 0.01 | 0.01 | 0.01 | 0.01
454112 | Electronic Auctions | 0.01 | 0.01 | 0.01 | 0.01
454113 | Mail-Order Houses | 0.01 | 0.01 | 0.01 | 0.01
481111 | Scheduled Passenger Air Transportation | 0.01 | 0.01 | 0.01 | 0.01
481112 | Scheduled Freight Air Transportation | 0.01 | 0.01 | 0.01 | 0.01
481219 | Other Nonscheduled Air Transportation | 0.01 | 0.01 | 0.01 | 0.01
488119 | Other Airport Operations | 0.01 | 0.01 | 0.01 | 0.01
512290 | Other Sound Recording Industries | 0.01 | 0.01 | 0.01 | 0.01
532490 | Other Commercial and Industrial Machinery and Equipment Rental and Leasing | 0.01 | 0.01 | 0.01 | 0.01
561310 | Employment Placement Agencies | 0.01 | 0.01 | 0.01 | 0.01
561310 | Employment Placement Agencies | 0.01 | 0.01 | 0.01 | 0.01
561311 | Employment Placement Agencies | 0.01 | 0.01 | 0.01 | 0.01
561510 | Travel Agencies | 0.01 | 0.01 | 0.01 | 0.01
561599 | All Other Travel Arrangement and Reservation Services | 0.01 | 0.01 | 0.01 | 0.01
611512 | Flight Training | 0.01 | 0.01 | 0.01 | 0.01
611519 | Other Technical and Trade Schools | 0.01 | 0.01 | 0.01 | 0.01
611610 | Fine Arts Schools | 0.01 | 0.01 | 0.01 | 0.01
611620 | Sports and Recreation Instruction | 0.01 | 0.01 | 0.01 | 0.01
611630 | [NAME] | 0.01 | 0.01 | 0.01 | 0.01
611691 | Exam Preparation and Tutoring | 0.01 | 0.01 | 0.01 | 0.01
611692 | Automobile Driving Schools | 0.01 | 0.01 | 0.01 | 0.01
611699 | All Other Miscellaneous Schools and Instruction | 0.01 | 0.01 | 0.01 | 0.01
611710 | Educational Support Services | 0.01 | 0.01 | 0.01 | 0.01
711110 | Theater Companies and Dinner Theaters | 0.01 | 0.01 | 0.01 | 0.01
711120 | Dance Companies | 0.01 | 0.01 | 0.01 | 0.01
711310 | Promoters of Performing Arts, Sports, and Similar Events with Facilities | 0.01 | 0.01 | 0.01 | 0.01
711320 | Promoters of Performing Arts, Sports, and Similar Events without Facilities | 0.01 | 0.01 | 0.01 | 0.01
711410 | Agents and Managers for Artists, Athletes, [NAME],  and Other Public Figures | 0.01 | 0.01 | 0.01 | 0.01
711510 | Independent Artists, [NAME], and Performers | 0.01 | 0.01 | 0.01 | 0.01
713910 | Golf Courses and Country Clubs | 0.01 | 0.01 | 0.01 | 0.01
713940 | Fitness and Recreational Sports Centers | 0.01 | 0.01 | 0.01 | 0.01
713990 | All Other Amusement and Recreation Industries | 0.01 | 0.01 | 0.01 | 0.01
 |  | 0.01 | 0.01 | 0.01 | 0.01
 | Average: | 0.01 | 0.01 | 0.01 | 0.01
 | High: | 0.01 | 0.01 | 0.01 | 0.01
 | Low: | 0.01 | 0.01 | 0.01 | 0.01