Personal Injury & Wrongful Death Economic Damages Analysis
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Transcript of Personal Injury & Wrongful Death Economic Damages Analysis
The Numbers, Studies and Statistics Behind a Personal Injury/Wrongful Death Economic
Damages Analysis
Presented by:
Robert Vance, CPA, ABV, CFF, CVA, CFP
Forensic & Valuation Services, PLC
901-507-9173
www.ForensicVal.com
Determining Economic Damages, James Publishing, Gerald Martin, Ph.D.
ValuSource.com is beta testing Advocate Personal Injury Economist, Employment Law Economist and Wrongful Death Economist
National Association for Forensic Economists www.nafe.net which publishes the Journal of Forensic Economics
A number of studies and websites will be referenced throughout
SOURCES OF INFORMATION
The process of converting future cash flow(s)
into a current, present value, lump-sum figure
Cash flows are discounted to account for the
“Time Value of Money”
$1,000 $1,000 $1,000
0 +1 +2 +3 +4
$2,828.61 = PVA3
3%
$970.87
End of Year
$942.60
$915.14
WHAT IS DISCOUNTING TO PRESENT VALUE?
WHY DOES PRESENT VALUE MATTER?
Economic losses are calculated to the “Present
Value” to quantify a steady stream of lost past
and lost future income into a single, lump-sum
figure for settlement or award purposes
The Present Value of the economic losses is
“The Replacement Value of a Life”
THE REPLACEMENT VALUE OF A LIFE
Essential Elements
1. Loss of Earning Capacity that would have been
earned from jobs or occupations, less mitigating
earnings, if any
2. Loss of Fringe Benefits that are part of the jobs
or occupational income streams
3. Loss of Household Services that would have
been performed, less services still able to
perform
Essential Elements
4. Medical & Rehabilitation Bills incurred in the
past plus estimates of future bills from a Life
Care Plan
5. Discount all Losses to Present Value, usually to
the Trial Date
THE REPLACEMENT VALUE OF A LIFE
Loss of Earning Capacity & Loss of Fringe Benefits
Injury
Date
TIMELINE FOR A DAMAGES ANALYSIS
Past or
Pre-Trial
Future or
Post-Trial
Worklife
Expectancy
Trial
Date
Life
Expectancy
Loss of Household Services & Medical Bills
1. LOSS OF EARNING CAPACITY
a) Establish the earnings base/earning capacity
(what was earned or could have been earned)
b) Over Worklife Expectancy from date of injury Source:
• “The Markov Process Model of Labor Force Activity:
Extended Tables of Central Tendency, Shape, Percentile
Points, and Bootstrap Standard Errors” (Skoog & Ciecka)
Journal of Forensic Economics 22(2), 2011, pp.165-229
© 2011 by the National Assoc. of Forensic Economics
Gary R. Skoog, James E. Ciecka and Kurt V. Krueger
Essential Elements
1. LOSS OF EARNING CAPACITY
c) Inflation often removed from earnings
increases (and correspondingly from the
discount rate) under the “Constant Dollar”
method
d) Earnings based on education, training &
experience Consider promotions & career ladder at employer
Age, health, intelligence & record of employment
Essential Elements
1. LOSS OF EARNING CAPACITY
f) Deduct the mitigating earnings still able to
earn
g) Taxes are not usually deducted
h) Injury or death of a child No work history and usually not married & no children
Project earnings based upon a survey of family
educational background and socio-economic status
Essential Elements
Joan Smith10-30-9512-20-06
Gregory Smith - FatherBA - Business
Assoc Degree / NavyDistrict Market Mgr ($50,000)
Eugene SmithBS – Econ/Fin
MA – EducationBus/IT Instructor ($100,000)
Sara SmithBA – Education
Teacher
Elijah SmithMS - BusinessBA – Business
Business Manager
Wilma Jean Smith Assoc DegreeTeacher / Child Care Provider
RE SmithOwner / Operator
RT Smith Lumber Company
Raymond SmithOwner / Operator
RT Smith Lumber Company
David Smith (brother)(Deerfield Beach, FL)
MS – Computer IS / BA – AccountingChief Ops Officer ($100,000)
Margaret Smith (sister-in-law)BA – Journalism
Special Events Coordinator
Carol Nesmith (sister) (Nashville, TN)PhD – Law
BS – Nursing / Assoc – Applied SciencesAtty at Law ($50,000)
Thomas Nesmith (brother-in-law)PhD – Medicine
BS – BiologyChief of Vascular Surgery ($800,000)
Allison Smith - MotherAssoc Degree
Asst Mgr – Diet Consultant
Thomas ElwayPhD – Veterinary / Army
Medical Officer – US Dept Agr ($73,000)
Alma Sue ElwayBA – Sociology
Teacher / Social Case Worker
Susan White (sister)Assoc – Applied Science
Certified Diagnostic SonographyRT(R),RDMS,RVT,RCS ($91,000)
Mike White (brother-in-law) (Age 39)BA – Marketing
Assoc – Electronic TechFacility Ops Spvr ($57,000)
Joan Smith
Family Member Education and Income Summary
Annual Value Annual Value
Annual Weekly in Indexed to Future
Occupation SOC Code Wage Salary and Education Attainment Table** Hours 2005 Dollars Future Year Year
Attorney 231011 50,000 Wage and Salary Workers (Part-Time) High School 20 12,818 14,019 2014
Business Manager 119199 65,430 * Wage and Salary Workers (Full-Time) Some College 40 29,640 33,068 2016
Business/IT Instructor 251011 100,000 Wage and Salary Workers (Full-Time) Bachelor's 40 42,276 48,114 2018
Certified Diagnostic Sonography 291124 91,000 Wage and Salary Workers (Full-Time) Bachelor's/Advanced 40 51,116 60,537 2022
Chief of Vascular Surgery 291067 800,000
Chief Operating Officer 111011 100,000 **Current Population Survey, U.S. Department of Labor, Bureau of Labor Statistics, Table 17: Median usual weekly earnings
CPA 132011 43,650 * of full-time wage and salary workers 25 years and over by educational attainment and sex, 2005 annual averages.
Diet Consultant 291031 40,080 *
District Market Manager 112022 50,000
Electrical Engineer 172071 59,730 *
Facility Operations Supervisor 119199 57,000
Marketing Manager 112021 89,380 *
Medical Office Manager 119111 66,740 *
Medical Officer 119111 73,000
Owner / Operator 111021 50,000 *
Owner / Operator 111021 50,000 *
Special Events Coordinator 131121 42,230 *
Teacher 252021 45,560 *
Teacher 252021 45,560 *
Teacher / Child Care Provider 253099 34,540 *
Teacher / Social Case Worker 253099 34,540 *
VP of Marketing 112021 126,470 *
Average Annual Wage 96,132
*Occupational wage information provided by U.S. Department of Labor, Bureau of Labor
Statistics, May 2005, Annual Median Wage, Area TN-MS-AR; otherwise by family members.
High School Associates Bachelor's Advanced
22 6 18 9
100% 27% 82% 41%
Degree(s) Held by Family Members
The use of government statistical wage and salary earnings is justified
given that the family history of annual earnings on average is in fact higher.
1. LOSS OF EARNING CAPACITY
h) Sources of Income Data: W-2s, 1040s, paystubs, depos of family
Government surveys and statistics
• Bureau of Labor Statistics, Department of
Labor, “Occupational Employment Statistics (OES)
Survey” http:/stat.bls.gov/oes/home.htm
• US Dept. of Commerce, Bureau of the Census: “Money
Income of Households…Money Earnings by Sex, Age &
Education,” & “US Industry & Trade Outlook”
Essential Elements
1. LOSS OF EARNING CAPACITY
h) Sources of Income Data (cont’d):
A vocational rehabilitation expert (also: impairment)
Industry specific
• Accounting: American Institute of CPAs, Robert Half &
Assoc.
• Legal: ABA, Altman Weil, Inc., FindLaw.com
• Medical: AMA, Medical Group Management
Assoc., Medical Economics
• Military: Military.com
Essential Elements
1. LOSS OF EARNING CAPACITY
i) Personal Consumption - in WD
cases, generally subtract a % (might justify
the lower Personal Maintenance) Purchases made by an individual family member
exclusively for his or her own benefit, such as
haircuts, food, clothes, toiletries, jewelry, medical
expenses, etc.
The amount of income that would have gone toward the
consumption of the decedent is usually subtracted from
the projected lost income
Essential Elements
1. LOSS OF EARNING CAPACITY
i) Personal Consumption (cont’d)
Assumptions often made for the number of persons in a
household as this impacts the % consumed
Income level usually affects the % consumed
Source:
• “Patton-Nelson Personal Consumption Tables 2005-06”
Journal of Forensic Economics 20(3), 2007, pp. 217-225
©2009 by the National Assoc. of Forensic Economics
Michael R. Ruble, Robert T. Patton, and David M. Nelson
Essential Elements
2. LOSS OF FRINGE BENEFITS
a) Part of the job or occupation
b) Expressed in the calculation as a % of gross
lost Earning Capacity
c) Can be 20% - 40%
Essential Elements
c) Examples:Employer paid FICA, Unemployment & Worker’s
Comp. (Legally-Required)
Health & Other Insurance
Retirement Plans
Employer paid Holidays & Vacations
On-site Child Care & Meals
2. LOSS OF FRINGE BENEFITS
Essential Elements
11.7%
11.6%
3.0%
9.8%
36.1%
?
Traditional Fringe Benefits-Private Industry
Private Industry
Paid leave 9.8%
Health Insurance 11.0%
Other Insurance 0.6%
Defined contribution plan 3.0%
Legally required 11.7%
Percentage of Wages 36.1%
Wages and salaries 69.3% 70.3%
Benefits 30.7% 29.7%
100.0% 100.0%
Paid leave 7.0% 10.1% 6.9% 9.8%
Supplemental pay 2.4% 3.5% 2.9% 4.1%
Health Insurance 8.5% 12.3% 7.7% 11.0%
Other Insurance 0.4% 0.6% 0.4% 0.6%
Defined benefit plan 2.8% 4.0% 1.5% 2.1%
Defined contribution plan 1.8% 2.6% 2.1% 3.0%
Legally required 7.8% 11.3% 8.2% 11.7%
30.7% 44.4% 29.7% 42.3%
% of Wages
Comp.
Component % of Wages
Comp.
Component
Bureau of Labor Statistics Economic News Release, June 7, 2012, "Employer Costs for Employee Compensation",
March 2012, Table A. Relative importance of employer costs for employee compensation, All Workers.
Civilian Workers Private Industry
2. LOSS OF FRINGE BENEFITS
d) Sources of fringe benefit data: Interview or depo of employer or family
Government & private surveys & statistics
• U.S. Department of Labor, the Bureau of Labor
Statistics, in a study titled "Employer Costs for
Employee Compensation, June 7, 2012
• U.S. Research and Analysis Center, U.S. Chamber of
Commerce , "The 2008 Employee Benefits Study"
Essential Elements
2. LOSS OF FRINGE BENEFITS
e) Unvested or unconventional benefits Lucrative defined benefit pension plans
Stock options
Stock performance awards
Unfunded retirement plans
Deferred compensation plans
Use of company vehicles
Essential Elements
3. LOSS OF HOUSEHOLD SERVICES
a) Services that can no longer be performed due
to injury or death
b) Not just for the loss of a homemaker
c) Include unpaid tasks that maintain and
enhance the lives of those in household Cooking, Cleaning, Lawn care, Child care &
transportation, Home & vehicle maintenance &
repairs, Gardening, Shopping, etc.
Essential Elements
3. LOSS OF HOUSEHOLD SERVICES
d) The loss, even though not directly compen-
sated like regular employment, has value to
the family nonetheless since the tasks will: Not be done at all or not as often
Be done by someone else in the household (at the expense
of other things the "someone else" might have been
doing)
Require outside assistance who may have to be
compensated
Essential Elements
3. LOSS OF HOUSEHOLD SERVICES
e) Valuation methods are generally based on
hours spent times an hourly rate Opportunity Cost Method (reference to what the
individual could have earned in the marketplace)
Replacement Cost Method (reference to the cost to hire in
the marketplace)
f) Over the life expectancy Source: National Vital Statistics Reports
Essential Elements
3. LOSS OF HOUSEHOLD SERVICES
g) Most do not keep a log of hours spent on
household chores
h) Source: “The Dollar Value of a Day”, Expectancy Data (estimated
hours by chore along with hourly rates)
www.expectancydata.com
Essential Elements
Time Use CategorySecondary
Child CareAt Home
21.1%
15.5
9.2
15.8
11.2
26.4
7.9
5.6
18.4
51.2
32.2
10.6
19.5
11.5
0.00 0.80 1.10 30.1Food Cooking & Clean-up 1.29 9.86 1.81
0.00 0.46 0.87 14.6%Inside Housework 0.87 $10.33 $1.28
Table 6. Married males that work full-time, wife does not work, youngest child ages 13 to 17
Weekly
Hours
Hourly
Value
Dollar
Value
of a Day
Weekly Waking HoursParticipation
Rate
Standard
Error
Percent
With
Family
0.00 1.19 0.13 32.1Shopping 1.78 11.46 2.91
0.00 0.38 0.58 25.4Household Management 0.76 15.02 1.63
0.00 2.01 4.81 38.9Pets, Home & Vehicles 5.05 12.11 8.74
0.00 5.95 7.55 78.3Household Production 11.65 11.81 19.65
0.00 1.09 0.01 40.2Travel for Household Activity 1.81 11.96 3.09
0.00 0.02 0.05 2.3Obtaining Services 0.10 13.18 0.18
0.00 0.42 0.27 8.5Non-Household Members 0.68 11.39 1.10
0.00 0.15 0.12 5.7Household Adults 0.17 11.23 0.28
n/a 1.08 0.56 22.3Household Children 1.26 11.01 1.99
0.00 2.30 0.96 30.8Caring and Helping 3.04 11.76 5.10
0.00 0.17 0.00 8.0Travel for Non-Household Members 0.30 13.15 0.56
0.00 0.47 0.00 15.4Travel for Household Members 0.63 13.15 1.18
Time Use CategorySecondary
Child CareAt Home
1.9%
1.2
4.2
4.5
2.4
12.3
2.4
1.0
1.3
12.6
10.5
2.1
5.0
1.2
7.93 5.72 9.80 89.4Food Cooking & Clean-up 9.98 9.86 14.06
8.75 6.21 11.99 79.6%Inside Housework 12.29 $10.33 $18.14
Table 35. Married females that are not in the labor force and not disabled, husband works,
youngest child under age 13
Weekly
Hours
Hourly
Value
Dollar
Value
of a Day
Weekly Waking HoursParticipation
Rate
Standard
Error
Percent
With
Family
3.32 3.78 0.09 55.0Shopping 4.99 11.46 8.17
1.00 0.85 1.25 30.1Household Management 1.48 15.02 3.17
1.74 1.51 2.13 24.0Pets, Home & Vehicles 2.39 12.11 4.13
24.79 20.40 25.49 98.1Household Production 34.16 10.84 52.89
1.90 2.23 0.07 58.1Travel for Household Activity 2.81 11.96 4.81
0.14 0.11 0.16 5.5Obtaining Services 0.22 13.18 0.42
0.38 0.59 0.16 13.6Non-Household Members 0.74 11.39 1.21
0.13 0.19 0.13 7.9Household Adults 0.24 11.23 0.38
n/a 19.42 16.95 88.4Household Children 19.94 11.01 31.37
0.89 22.30 17.27 89.9Caring and Helping 23.54 11.26 37.87
0.20 0.27 0.00 11.5Travel for Non-Household Members 0.37 13.15 0.69
0.18 1.83 0.03 44.4Travel for Household Members 2.24 13.15 4.21
“The Dollar Value of a Day”, 2003
4. MEDICAL AND REHABILITATION BILLS
a) Bills already incurred
b) Estimated future bills from a Life Care Plan Indexed using the Medical Price Index rather than the
general Consumer Price Index
c) Present valuing a Life Care Plan is often a
separate engagement
Essential Elements
5. DISCOUNT ALL LOSSES TO PRESENT VALUE
a) Pre-Trial Losses Calculate losses prior to Trial Date (past) and compound
with interest to Present Value
-1 Trial Date +1 +2 +3
Essential Elements
5. DISCOUNT ALL LOSSES TO PRESENT VALUE
b) Post-Trial Losses Calculate losses after Trial Date (future) and discount to
Present Value
-1 Trial Date +1 +2 +3
Essential Elements
5. DISCOUNT ALL LOSSES TO PRESENT VALUE
c) Discount Rate Using a “risk-free” rate (U.S. Treasury Bonds)
The “best and safest investments” as per Jones and
Laughlin Steel Corporation v. Howard E. Pfeifer (462
U.S. 523; 1983; US Supreme Court)
Inflation often removed from the discount rate (and
correspondingly from earnings increases ) under the
“Constant Dollar” method
“Real” rate of interest thought to be around 2-3%
Essential Elements
Wrongful Death Economic Damages Report
Plaintiff James Smith "Injury" Date 08/23/2011
Sex Male Age at Injury 41.4
Race White Injury Year Fraction 0.36
Birthdate 03/25/1970 Life Expectancy 38.1
Worklife Expectancy 23.0 Age at End of Life Expectancy 79.5
Retirement Age 64.4 End of Life Date 9/28/2049
End of Worklife Date 8/22/2034 Life Date Fraction 0.46
Worklife Year Fraction 0.36 Valuation Date 04/13/2013
Discount Rate 1.8% Assumed "Trial" Date 04/13/2013
Trial Year Fraction 0.28
Future Values Present Values
Type of Damage Past Future Past Future
Income Loss 139,551 2,001,670 139,551 1,645,826
Fringe Benefits Loss 62,473 960,200 62,473 785,952
Household Production Loss 13,871 482,172 13,871 331,166
Future Medical Costs 0 0 0 0
Total Damages 215,895 3,444,042 215,895 2,762,944
Grand Total Damages 3,659,937 2,978,838
Rounded
Case Information
2,979,000
Damages Summary
Bring the 5 Essential Elements Together
Lost Earnings, Fringe Benefits, Household Services and Future Medical Costs
Exhibit A
Pre-Trial
Pres. Net Net Plaintiff Personal Plaintiff Plaintiff Fringe Fringe Service Bal.
Year Value Earnings Discount Would Have Cons. Earnings Earnings Would Have Did/Will Benefit Benefit Value Service Pres. Value Pres. Val.
Ending Year Growth Rate Earned See Ex. B Loss Pres. Value Earned Earn Loss Pres. Value Loss Pres. Value Total Loss Total Loss Total Loss
12/31/2011 0 3.1% 1.80% 36,894 (7,159) 29,735 29,735 13,319 0 13,319 13,319 3,040 3,040 46,093 46,093 46,093
12/31/2012 0 3.1% 0.00% 105,659 (20,502) 85,157 85,157 38,143 0 38,143 38,143 8,443 8,443 131,743 131,743 177,836
04/13/2013 0 3.1% 1.80% 30,502 (5,842) 24,660 24,660 11,011 0 11,011 11,011 2,388 2,388 38,059 38,059 215,895
Total Pre-Trial 173,054 (33,503) 139,551 139,551 62,473 0 62,473 62,473 13,871 13,871 215,895 215,895
Post-Trial
04/13/2014 1 1.0% 1.80% 112,311 (21,328) 90,983 89,374 40,544 0 40,544 39,827 8,615 8,463 140,142 137,664 353,559
04/13/2015 2 1.0% 1.80% 113,434 (21,541) 91,893 88,672 40,950 0 40,950 39,514 8,701 8,396 141,544 136,582 490,141
04/13/2034 21 1.0% 1.80% 137,040 (37,746) 99,294 68,268 49,471 0 49,471 34,013 10,511 7,227 159,276 109,509 2,775,538
04/13/2035 22 1.0% 1.80% 49,828 (13,724) 36,104 24,384 17,988 0 17,988 12,149 10,618 7,171 64,710 43,704 2,819,242
04/12/2036 23 0.0% 1.80% 0 0 0 0 0 0 0 0 17,538 11,635 17,538 11,635 2,830,877
04/13/2037 24 0.0% 1.80% 0 0 0 0 0 0 0 0 17,714 11,544 17,714 11,544 2,842,421
04/13/2038 25 0.0% 1.80% 0 0 0 0 0 0 0 0 17,889 11,452 17,889 11,452 2,853,874
04/13/2039 26 0.0% 1.80% 0 0 0 0 0 0 0 0 18,065 11,360 18,065 11,360 2,865,234
04/12/2040 27 0.0% 1.80% 0 0 0 0 0 0 0 0 18,240 11,268 18,240 11,268 2,876,502
04/13/2041 28 0.0% 1.80% 0 0 0 0 0 0 0 0 18,428 11,183 18,428 11,183 2,887,684
04/13/2042 29 0.0% 1.80% 0 0 0 0 0 0 0 0 18,615 11,096 18,615 11,096 2,898,781
04/13/2043 30 0.0% 1.80% 0 0 0 0 0 0 0 0 18,802 11,010 18,802 11,010 2,909,790
04/12/2044 31 0.0% 1.80% 0 0 0 0 0 0 0 0 18,989 10,922 18,989 10,922 2,920,713
04/13/2045 32 0.0% 1.80% 0 0 0 0 0 0 0 0 19,176 10,835 19,176 10,835 2,931,548
04/13/2046 33 0.0% 1.80% 0 0 0 0 0 0 0 0 19,364 10,748 19,364 10,748 2,942,295
04/13/2047 34 0.0% 1.80% 0 0 0 0 0 0 0 0 19,562 10,666 19,562 10,666 2,952,961
04/12/2048 35 0.0% 1.80% 0 0 0 0 0 0 0 0 19,761 10,584 19,761 10,584 2,963,545
04/13/2049 36 0.0% 1.80% 0 0 0 0 0 0 0 0 19,960 10,501 19,960 10,501 2,974,046
09/28/2049 37 0.0% 1.80% 0 0 0 0 0 0 0 0 9,273 4,792 9,273 4,792 2,978,838
Total Post-Trial 2,659,834 (658,164) 2,001,670 1,645,826 960,200 0 960,200 785,952 482,172 331,166 3,444,042 2,762,944
Grand Totals 2,832,888 (691,667) 2,141,221 1,785,377 1,022,673 0 1,022,673 848,425 496,043 345,037 3,659,937 2,978,838
Earnings Total Annual LossSee Ex. D See Ex. C
Fringe Benefits Household Services
Personal Consumption
Exhibit B
Pres. Net Plaintiff Spouse Total Pct. Of
Year Value Earnings Would Have Will Family Personal Personal
Ending Year Growth Earned Earn Earnings ConsumptionConsumption
12/31/2011 0 3.1% 36,894 27,599 64,493 11.1% (7,159)
12/31/2012 0 3.1% 105,659 79,041 184,700 11.1% (20,502)
04/13/2013 0 1.0% 30,502 22,131 52,633 11.1% (5,842)
04/13/2014 1 1.0% 112,311 79,830 192,141 11.1% (21,328)
04/13/2031 18 1.0% 133,010 94,543 227,553 16.1% (36,636)
04/12/2032 19 1.0% 134,340 95,488 229,828 16.1% (37,002)
04/13/2033 20 1.0% 135,683 96,443 232,126 16.1% (37,372)
04/13/2034 21 1.0% 137,040 97,407 234,447 16.1% (37,746)
04/13/2035 22 1.0% 49,828 35,417 85,245 16.1% (13,724)
04/12/2036 23 1.0% 0 0.0% 0
04/13/2037 24 0.0% 0 0.0% 0
04/13/2038 25 0.0% 0 0.0% 0
04/13/2039 26 0.0% 0 0.0% 0
04/12/2040 27 0.0% 0 0.0% 0
04/13/2041 28 0.0% 0 0.0% 0
04/13/2042 29 0.0% 0 0.0% 0
04/13/2043 30 0.0% 0 0.0% 0
04/12/2044 31 0.0% 0 0.0% 0
04/13/2045 32 0.0% 0 0.0% 0
04/13/2046 33 0.0% 0 0.0% 0
04/13/2047 34 0.0% 0 0.0% 0
04/12/2048 35 0.0% 0 0.0% 0
04/13/2049 36 0.0% 0 0.0% 0
09/28/2049 37 0.0% 0 0.0% 0
Grand Totals 2,832,888 (691,667)
Earnings
Lost Production of Household Services
Exhibit C
Year
Ending
Pres.
Value Year Status
Hours
Weekly Pay Rate
Total
Services
Hours
Weekly Pay Rate
Total
Services
Lost
Services
Present
Value
12/31/2011 0 A 13.8 11.80 3,040 0.0 11.80 0 3,040 3,040
12/31/2012 0 A 13.8 11.80 8,443 0.0 11.80 0 8,443 8,443
04/13/2013 0 A 13.8 11.92 2,388 0.0 11.92 0 2,388 2,388
04/13/2014 1 A 13.8 12.04 8,615 0.0 12.04 0 8,615 8,463
04/13/2031 18 A 13.8 14.26 10,203 0.0 14.26 0 10,203 7,401
04/12/2032 19 A 13.8 14.40 10,303 0.0 14.40 0 10,303 7,341
04/13/2033 20 A 13.8 14.54 10,404 0.0 14.54 0 10,404 7,282
04/13/2034 21 A 13.8 14.69 10,511 0.0 14.69 0 10,511 7,227
04/13/2035 22 A 13.8 14.84 10,618 0.0 14.84 0 10,618 7,171
04/12/2036 23 B 22.5 14.99 17,538 0.0 14.99 0 17,538 11,635
04/13/2037 24 B 22.5 15.14 17,714 0.0 15.14 0 17,714 11,544
04/13/2038 25 B 22.5 15.29 17,889 0.0 15.29 0 17,889 11,452
04/13/2039 26 B 22.5 15.44 18,065 0.0 15.44 0 18,065 11,360
04/12/2040 27 B 22.5 15.59 18,240 0.0 15.59 0 18,240 11,268
04/13/2041 28 B 22.5 15.75 18,428 0.0 15.75 0 18,428 11,183
04/13/2042 29 B 22.5 15.91 18,615 0.0 15.91 0 18,615 11,096
04/13/2043 30 B 22.5 16.07 18,802 0.0 16.07 0 18,802 11,010
04/12/2044 31 B 22.5 16.23 18,989 0.0 16.23 0 18,989 10,922
04/13/2045 32 B 22.5 16.39 19,176 0.0 16.39 0 19,176 10,835
04/13/2046 33 B 22.5 16.55 19,364 0.0 16.55 0 19,364 10,748
04/13/2047 34 B 22.5 16.72 19,562 0.0 16.72 0 19,562 10,666
04/12/2048 35 B 22.5 16.89 19,761 0.0 16.89 0 19,761 10,584
04/13/2049 36 B 22.5 17.06 19,960 0.0 17.06 0 19,960 10,501
09/28/2049 37 B 22.5 17.23 9,273 0.0 17.23 0 9,273 4,792
496,043 0 496,043 345,037
Pre-Injury Post-Injury