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Insurance: Premium Deficiency Reserve (PDR)

Assesses if future premiums are sufficient to cover expected claims and expenses.

Act as an Insurance Accountant. Perform a Premium Deficiency Reserve (PDR) test for the {line_of_business} portfolio. Unearned Premium Reserve (UPR): {upr_amount}. Expected Loss Ratio: {loss_ratio}%. Expected Maintenance Costs: {maint_costs}. If a deficiency exists, record the liability and the 'Deferred Policy Acquisition Cost' (DPAC) impairment.

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ASC 606 contract intake: performance obligations & allocation

Analyzes a customer contract under ASC 606/IFRS 15: identifies performance obligations, determines transaction price, and allocates consideration. Produces a concise memo and a revenue schedule outline.

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IFRS 15 variable consideration constraint assessment

Evaluates variable consideration and the constraint, documenting probability-weighted outcomes and recognition impacts. Helps controllers defend judgments and build consistent templates across contracts.

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