Calculation ordering and assumptions

1. Build monthly revenue, COGS, categorized operating expenses, payroll, and net profit before tax.
2. Add continuing expenses, including payroll only on eligible ordinary-payroll days; subtract additional saved expenses once.
3. Use actual day counts for the 72-hour BI-only waiting period, once. The waiting window is not also subtracted from the restoration clock.
4. Apply the BI-only fraction separately to each consecutive 30-day eligible window, including a partial first or last window; do not replace this with one global minimum.
5. Add extra expense without the monthly BI fraction or BI waiting period.
6. Apply the optional 120-day BI + EE period to the combined period, then the carried limit as the overall as-written cap.

• Every month is treated as 30 days for monthly-to-daily allocation and restoration-month timing.
• Projected shutdown duration is measured from the loss date. The 72-hour waiting window equals 3 actual day(s), applies to BI only, and is not subtracted twice.
• The projected restoration period starts after the loss-date waiting window for payment eligibility; the interruption/restoration clock itself remains the entered loss duration.
• Ordinary payroll is counted on every eligible day because no optional ordinary-payroll limitation was selected.
• Civil-authority days are limited to four weeks, overlapping direct-loss days are removed once, and those overlap days do not extend the restoration period.
• Extra expense is not reduced by the monthly BI fraction or the BI waiting window.
• The 120-day BI + EE option is not selected.
• Extended business income is not selected; the worksheet does not add a post-restoration extension.
• A reasonable-speed restoration scenario and an accountant's projection are inputs for this illustration, not automatic coverage conclusions.