Skip to content

Blue Tab 002 - G21 Base Damages - Mathematical Verification (REPL Appendix)

GUARDRAIL: BLUE — G21 BASE DAMAGES

G21 flood-related base damages only. No enterprise multipliers, no Freeman Street.

1) Purpose & Scope

This appendix is the single source of truth for calculating and verifying all Blue (G21 base) damages. It:

  • Sums the nine receipt-based categories (Tabs 101-109).
  • Applies 9% simple interest under NY CPLR 5001-5004 from the appropriate date anchor for each line item.
  • Produces category totals and the Blue Section grand total for the AS_OF_DATE selected by counsel.

Strict separation: This tab does not address opportunity-loss (Freeman Street / Red) or any policy multipliers. Blue is receipt-based economic and limited non-economic damages tied to the G21 flood only.

2) Governing Rules (NY CPLR 5001-5004; 9% Simple)

  • Rate: 9% per annum (simple interest; no compounding).
  • Day-count: use actual days / 365 (attorney may select 360 if preferred-document the choice once).
  • Start date: the earliest ascertainable date the cause of action existed for each line item, per category-specific anchors (Section 3.2).
  • Stop date (AS_OF_DATE): attorney-selected date (e.g., demand letter, filing date, mediation date, or a standardized cut-off such as 2025-10-13).
  • Non-economic damages (Pain & Suffering): interest treatment is governed by New York law (often different from purely economic items). Default here is $0 interest unless counsel instructs otherwise and supplies method/anchor.

2.5) Attorney Method Selections (document once, reuse)

  • AS_OF_DATE: ________
  • Day-count basis: ☐ actual/365 (default) ☐ 30/360 (if selected, document why)
  • Pain & Suffering interest: ☐ $0 (default) ☐ Apply per counsel memo (attach)
  • Ambiguous dates: ☐ Use payment date ☐ Use end-of-month convention ☐ Other (explain)
  • Mixed/allocable receipts: ☐ Duplicate allocate to multiple categories with pro-rata notes ☐ Count once (category = ______)

3) Inputs & Conventions

3.1) Categories (Tabs 101-109)

  1. 101 Property Damage & Restoration
  2. 102 Business Income Losses
  3. 103 Alternative Housing Costs
  4. 104 Administrative & Legal Burden
  5. 105 Credit Impairment & Financial Stress
  6. 106 Forced Liquidation - Instruments & Gear
  7. 107 Transportation Impairment
  8. 108 Pain & Suffering (non-economic)
  9. 109 Health & Medical Impacts

3.2) Date-Anchor Guidance (per line item)

Category (Tab) Preferred Anchor If Unclear (Conservative)
Property (101) Invoice/repair completion or payment date Proof of loss date; else payment date
Business Income (102) End of affected month (lost-income month) Last day of each affected month
Alternative Housing (103) Payment date (rent/deposit/storage) Contract start date; else payment date
Admin & Legal (104) Payment date Invoice date; else payment date
Credit Impairment (105) Fee/charge date Statement closing date
Forced Liquidation (106) Sale/settlement date Payout date
Transportation (107) Disposition date (loss/impairment) or replacement purchase DMV record date; else sale date
Pain & Suffering (108) Counsel-directed (often differs) Default $0 interest pending counsel
Health & Medical (109) Date of service or payment EOB processed date; else payment

Conservative default: When a precise anchor is unavailable, document the choice and bias toward the later date (reduces interest; increases credibility).

4) Calculation Method (Attorney-Auditable)

For each line item:

  1. Days elapsed: DAYS = AS_OF_DATE − LOSS_DATE (integer days).
  2. Interest: INTEREST = AMOUNT x 0.09 x (DAYS / 365) (simple).
  3. Total: TOTAL = AMOUNT + INTEREST.

4.1) Spreadsheet Patterns (ready to paste)

  • Days (Excel/Sheets):

    =INT($B$1 - [@loss_date]) where $B$1 holds the AS_OF_DATE

    or =DATEDIF([@loss_date], $B$1, "D")

  • Interest (Excel/Sheets):

    =ROUND([@amount] * 0.09 * ([@days] / 365), 2)

  • Total (Excel/Sheets):

    =ROUND([@amount] + [@interest], 2)

4.2) Minimal Data Schema (one row per item)

category_tab, item_id, description, amount, loss_date, as_of_date, days, interest_rate, interest, total, source_doc_id, notes

  • category_tab: 101-109
  • item_id: stable unique key (e.g., FL-2019-0001)
  • interest_rate: 0.09 (unless Court orders otherwise)
  • source_doc_id: filename or exhibit ID for the receipt/EOB/invoice
  • notes: allocation, assumptions, context

4.3) Deduplication & Allocation

  • Never double-count the same expense across categories.
  • If a single receipt covers multiple categories, split once with clear notes; the sum of splits must equal the receipt total.

4.4) Rounding Policy & Precision Standards

  • Per item: compute interest to $0.01, totals to $0.01.
  • Per category + Grand total: round to $0.01 (or whole dollars if counsel prefers-document choice).
  • Tolerance: recomputation should match within +/-$0.01 per item and reconcile exactly at category/section totals.

5) Verification Summary

Populate after category spreadsheets are complete. Leave TBD until counsel approves.

Category (Tab) Base (Principal) Interest @ 9% (simple) Category Total
Property Damage & Restoration (101) $735,793 $TBD $TBD
Business Income Losses (102) $383,141 $105,689 $488,830
Alternative Housing Costs (103) $697,200 $TBD $TBD
Administrative & Legal Burden (104) $565,057 $TBD $TBD
Credit Impairment & Financial Stress (105) $40,300 $TBD $TBD
Forced Liquidation - Instruments & Gear (106) $22,789 $TBD $TBD
Transportation Impairment (107) $650 $TBD $TBD
Pain & Suffering (108) See 5.1* $0* See 5.1*
Health & Medical Impacts (109) $TBD $TBD $TBD
SUBTOTAL - Economic (101-107) $2,444,931 ~$685,000 ~$3,130,000
TOTAL - Blue (G21 Base) See 5.1 See 5.1 See 5.1

Default $0* interest for Pain & Suffering unless counsel instructs otherwise.

5.1) G21 BASE DAMAGES COMPOSITION (Consensus v1.2)

Purpose: This section documents the consensus-locked G21 base damages composition per the G21 Base Control Number Insert v1.2 (2026-01-07). This tiered architecture is the source of truth for Pink punitive multiplier inputs and Purple settlement posture figures.

Canonical Reference: G21 Base Control Number Insert v1.2 (2026-01-07)

5.1.1) Tier 1 - Documented Economic Floor (Pre-Interest)

Tab Category Principal Status
101 Property Damage & Restoration $735,793.36 Documented
103 Alternative Housing Costs $697,200.00 Documented
106 Forced Liquidation $22,789.28 Documented
107 Transportation Impairment $650.00 Documented
TIER 1 SUBTOTAL $1,456,432.64 Documented Floor

Tier 1 Status: These categories are receipt-based and fully documented. No further validation required.

5.1.2) Tier 2 - Working Additions (Pre-Interest)

Tab Category Principal Status
102 Business Income Losses $383,141.16 Calculated (EOM anchor)
104 Administrative & Legal Burden $565,057.37 Two-tier split (see 5.1.2.1)
105 Credit Impairment $40,300.00 Partial (fees/interest only)
TIER 2 SUBTOTAL $988,498.53 Working Additions

Tier 2 Status: These categories include calculated or partially-defined components requiring validation.

5.1.2.1) Tab 104 Two-Tier Split (Per Consensus 2026-01-07)

Tier Hours Description Recoverability
Tier A 1,800 Non-Litigation Admin Burden (Categories 1-8) Standard consequential
Tier B 1,100 Binder/Lit-Prep (Category 9) Counsel-gated
Total 2,900

Tab 104 Valuation: - Hard Costs: $57,557.37 - Full (Tier A + B + Hard): Conservative $492,557 / Primary $637,557 / Midpoint $565,057 - Alternative (Tier A + Hard only): Conservative $327,557 / Primary $417,557 / Midpoint $372,557

Consensus Decision: Full midpoint ($565,057) used in control number pending counsel recoverability posture.

5.1.3) Tier 3 - Interest Placeholder

Component Amount Methodology
Economic Principal (Tier 1 + Tier 2) $2,444,931.17 Sum of documented + working
Interest Placeholder (~28%) ~$684,581 Weighted-average blended estimate
Economic w/Interest ~$3,129,512 Planning placeholder

Interest Note: The ~28% blended interest factor reflects weighted-average accrual across categories with varying loss dates (Oct 2019 - present). Final interest must be computed item-by-item per Section 4 methodology once accrual dates are locked.

5.1.4) Tier 4 - Pain & Suffering (Bracketed, Counsel-Selected)

Methodology: Per-diem model using 2,278 days (Oct 13, 2019 - Jan 7, 2026)

Scenario Rate Calculation P&S Total
Conservative $500/day 2,278 x $500 $1,139,000
Moderate $1,000/day 2,278 x $1,000 $2,278,000
Enhanced (counsel-gated) Requires precedent $3,500,000

Enhanced P&S Counsel-Gate: Enhanced tier requires counsel to cite comparable verdicts/settlements and tie to specific corroborated harms (White Vol 07 / Red-OATH Vol 10); otherwise use Conservative/Moderate only.

5.1.5) G21 Base Scenario Brackets (Final)

Scenario Economic w/Interest P&S G21 Base Total 4x Output
Conservative $3.13M $1.14M $4.27M $17.1M
Moderate $3.13M $2.28M $5.41M $21.6M
Enhanced $3.13M $3.50M $6.63M $26.5M

Scenario Selection: Pink Tab B001 should accept all three scenarios as inputs; Purple P-203 should present bracket table rather than single figure.

5.1.6) Explicit Exclusions (Not in Control Numbers)

Not included until liquidated and counsel-approved: - Tab 101.8 - Storage Unit Property Damage (inventory pending) - Tab 109 - Health/Medical (bills + causation pending) - Tab 108 - Pain & Suffering final valuation (placeholder tiers only) - Any multiplier outputs (Pink) or enterprise enhancements (Purple)

5.1.7) Update Triggers (When to Refresh Control Number)

  1. Tab 104 decision: Include or exclude Tier B (counsel recoverability posture)
  2. Tab 102 completion: Publish monthly delta table with source references
  3. Tab 105 scope lock: Define claimable credit impairment (fees/interest/rate differential)
  4. Tab 101.8 completion: Storage unit inventory + valuation
  5. Tab 109 liquidation: Medical bills counsel adopts for causation
  6. Interest recalculation: Once accrual dates finalized, recompute precisely

Cross-References: - G21 Base Control Number Insert v1.2: Canonical single-page reference - Pink Tab B001: Accepts 3-scenario bracket as input - Purple P-203: References bracket table for settlement posture - Purple P-201: G21 damages strategic application

5.5) Worked Example - Real Evidence (Forced Liquidation, Tab 106)

Purpose: Show the exact line-item method using a documented sale.

  • Item: API 2520 Op Amp (professional audio equipment)
  • Amount (principal): $70.23
  • Loss/Sale date: 2019-11-25 (Reverb Order #7040094)
  • AS_OF_DATE (example): 2025-10-13
  • Days: 2,149
  • Interest: 70.23 x 0.09 x (2,149/365) = **$37.21**
  • Total: $107.44
Item Amount Loss Date AS_OF_DATE Days Interest @ 9% Total
API 2520 Op Amp (Reverb #7040094) $70.23 2019-11-25 2025-10-13 2,149 $37.21 $107.44

Data Entry Record (illustrative):

category_tab: 106
item_id: FORCED-LIQ-001
description: API 2520 Op Amp (Reverb #7040094)
amount: 70.23
loss_date: 2019-11-25
as_of_date: 2025-10-13
days: 2149
interest_rate: 0.09
interest: 37.21
total: 107.44
source_doc_id: Reverb_Order_7040094_2019-11-25.pdf
notes: First documented post-flood forced-liquidation sale (42 days after 2019-10-13 flood)

5.6) Category-Level Scaling Demonstration (how to aggregate)

Goal: Show how the line-item method scales to a category and then the section total-without introducing new assumptions.

Workflow (example: Tab 106 - Forced Liquidation):

  1. Build a sheet with one row per documented sale (amount + sale date + source_doc_id).
  2. Compute days, interest, and total per row (Section 4 formulas).
  3. Sum the principal, then sum the interest - report both and the category total.
  4. Do not substitute "averages" for dates-each item keeps its own date anchor.
  5. Repeat for Tabs 101-109, then sum all nine category totals → Blue grand total.

Key observations to expect:

  • Earlier items (e.g., late-2019/2020) accrue much more interest than 2023+ items due to time.
  • The formula is identical for a $70 item or a multi-thousand-dollar instrument-only dates and amounts change.
  • Evidence integrity comes from line-by-line traceability to source_doc_id (no pooled "catch-all" entries).

Note: If you prefer to show a category summary table (count, date range, principal subtotal, interest subtotal, category total), place it on each category tab (101-109) and route the category totals here (5.0 table).

6) Quality Control (QC) Checklist

  • Evidence traceability: every line item has a source_doc_id and matches its receipt/EOB/invoice amount.
  • Date anchors: follow Section 3.2; ambiguous cases use the conservative rule and include a note.
  • No double-counting: split multi-purpose receipts once with clear notes; reconciled sum equals the source.
  • Math precision: per-item interest to $0.01; category and grand totals reconcile to $0.01 (or whole dollars if documented).
  • Method selections: Section 2.5 checkboxes filled (AS_OF_DATE, day-count, pain & suffering interest policy, handling of ambiguous dates, allocation rule).
  • Reproducibility: independent recomputation (Excel/Sheets/JS) matches within +/-$0.01 per item and exactly at category totals.
  • Blue-only discipline: zero opportunity-loss content; all cross-refs are within Blue (or to Blue Binder Control).
  • Composition summary: Section 5.1 reconciles to P-203 conservative scenario; Tab 108 inference clearly marked for attorney approval.
  • Framework: Blue Tab 001 - G21 Base Damages - Framework & Evidence Standards
  • Category Pages (Evidence): Tabs 101-109
  • Binder Index: Blue Volume 05 - Binder Control & Section Index
  • Settlement Posture: Purple P-203 - Integrated Settlement Posture
  • Punitive Methodology: Pink Tab B001 - Dual-Track Execution

8) REPL Examples (copy-paste quick checks)

JavaScript (Node/Browser Console) - single item:

function computeSimpleInterest(principal, lossISO, asOfISO, rate = 0.09) {
  const loss = new Date(lossISO);
  const asOf = new Date(asOfISO);
  const days = Math.floor((asOf - loss) / (1000*60*60*24));
  const interest = principal * rate * (days / 365);
  const total = principal + interest;
  return { days, interest, total };
}

// Example: API 2520 Op Amp (Reverb #7040094)
const p = 70.23;
const res = computeSimpleInterest(p, "2019-11-25", "2025-10-13");
console.log("=== BLUE TAB 002: Interest Calculation Verification ===");
console.log("Principal: $" + p.toFixed(2));
console.log("Days: " + res.days);
console.log("Interest: $" + res.interest.toFixed(2));
console.log("Total: $" + res.total.toFixed(2));

Excel / Google Sheets - single item (row model):

  • AS_OF_DATE stored in cell $B$1
  • days: =DATEDIF([@loss_date], $B$1, "D")
  • interest: =ROUND([@amount] * 0.09 * ([@days] / 365), 2)
  • total: =ROUND([@amount] + [@interest], 2)

END — Blue Tab 002 - G21 Base Damages - Mathematical Verification (REPL Appendix) v1.5