MediaWiki:Gadget-wix-interactive.js
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/* ================================================================
WIX-INTERACTIVE.JS — Wiki Interactive Experience: Complex Widgets
================================================================
Depends on: ext.gadget.wix-core (window.wix must exist)
Dispatches by data-wix-module value. Each value maps to an
initializer function that builds the widget DOM and wires logic.
Supported modules:
- "pool-simulator" Risk pooling comparison (Bordeaux vs Normandy)
- "insurer-engines" Two-engine profit simulator (underwriting + investment)
- "risk-adjustment" Brittany storm confidence-level risk adjustment chart
- "grouping-funnel" 3-step IFRS 17 contract grouping walkthrough
- "csm-rollforward" Horizontal waterfall: CSM opening → movements → closing
- "building-blocks" Stacked-bar initial recognition building blocks
- "impact-sort" Binary classification: CSM vs P&L scenario sorter
================================================================ */
( function () {
'use strict';
/* ── Dispatcher ─────────────────────────────────────────────── */
var dispatchers = {
'pool-simulator': initPoolSimulator,
'insurer-engines': initInsurerEngines,
'premium-matching': initPremiumMatching,
'reserve-sensitivity': initReserveSensitivity,
'ifrs-timeline': initIfrsTimeline,
'liability-waterfall': initLiabilityWaterfall,
'prob-weighted': initProbWeighted,
'discount-rate': initDiscountRate,
'balance-sheet': initBalanceSheet,
'risk-adjustment': initRiskAdjustment,
'grouping-funnel': initGroupingFunnel,
'csm-rollforward': initCsmRollforward,
'building-blocks': initBuildingBlocks,
'impact-sort': initImpactSort
};
mw.hook( 'wikipage.content' ).add( function () {
Object.keys( dispatchers ).forEach( function ( moduleType ) {
wix.initModules( moduleType ).forEach( dispatchers[ moduleType ] );
} );
} );
/* ================================================================
POOL SIMULATOR
Compares self-insured ("alone") vs pooled risk over 25 years.
================================================================ */
function initPoolSimulator( container ) {
/* ── Constants ────────────────────────────────────────────── */
var YEARS = 25;
var PROB = 0.02;
var REPAIR = 15000;
var POOL_FEE = 200;
var START = 20000;
var ANNUAL_SAVE = 2000;
/* ── Chart colors (match WIX tokens) ─────────────────────── */
var styles = getComputedStyle( container );
var colorAlone = styles.getPropertyValue( '--wix-wrong' ).trim() || '#922b21';
var colorPool = styles.getPropertyValue( '--wix-correct' ).trim() || '#1e8449';
var colorGrid = styles.getPropertyValue( '--wix-border-subtle' ).trim() || '#eaecf0';
var colorAxis = styles.getPropertyValue( '--wix-text-muted' ).trim() || '#54595d';
/* ── State ────────────────────────────────────────────────── */
var year = 0;
var playing = false;
var timer = null;
var aloneSavings = START;
var poolSavings = START;
var aloneSpent = 0;
var poolSpent = 0;
var aloneData = [ START ];
var poolData = [ START ];
var hitYears = {};
/* ── Formatting ───────────────────────────────────────────── */
function fmt( n ) {
return '\u20AC' + wix.formatNumber( Math.round( n ) );
}
function speedMs() {
var speeds = [ 800, 500, 300, 150, 80 ];
return speeds[ parseInt( speedSlider.value, 10 ) - 1 ] || 300;
}
/* ── Build UI ─────────────────────────────────────────────── */
wix.empty( container );
// Dynamic elements (need references for updates)
var elAloneSavings = wix.el( 'div', { className: 'wix-sim-stat-val', textContent: fmt( START ) } );
var elAloneSpent = wix.el( 'div', { className: 'wix-sim-stat-val', textContent: fmt( 0 ) } );
var elPoolSavings = wix.el( 'div', { className: 'wix-sim-stat-val', textContent: fmt( START ) } );
var elPoolSpent = wix.el( 'div', { className: 'wix-sim-stat-val', textContent: fmt( 0 ) } );
var canvasAlone = wix.el( 'canvas' );
var canvasPool = wix.el( 'canvas' );
var elAloneLog = wix.el( 'div', { className: 'wix-sim-log wix-sim-log--safe', textContent: 'Ready to simulate' } );
var elPoolLog = wix.el( 'div', { className: 'wix-sim-log wix-sim-log--safe', textContent: 'Ready to simulate' } );
// Alone panel
var alonePanel = wix.el( 'div', { className: 'wix-sim-panel wix-sim-panel--alone' }, [
wix.el( 'div', { className: 'wix-sim-label wix-sim-label--alone', textContent: 'Going it alone' } ),
wix.el( 'div', { className: 'wix-sim-title', textContent: 'Bordeaux homeowner' } ),
wix.el( 'div', { className: 'wix-sim-stats' }, [
wix.el( 'div', { className: 'wix-sim-stat' }, [
wix.el( 'div', { className: 'wix-sim-stat-label', textContent: 'Savings' } ),
elAloneSavings
] ),
wix.el( 'div', { className: 'wix-sim-stat' }, [
wix.el( 'div', { className: 'wix-sim-stat-label', textContent: 'Total spent on hail' } ),
elAloneSpent
] )
] ),
wix.el( 'div', { className: 'wix-sim-chart' }, [ canvasAlone ] ),
elAloneLog
] );
// Pool panel
var poolPanel = wix.el( 'div', { className: 'wix-sim-panel wix-sim-panel--pool' }, [
wix.el( 'div', { className: 'wix-sim-label wix-sim-label--pool', textContent: 'In the Normandy pool' } ),
wix.el( 'div', { className: 'wix-sim-title', textContent: '1 of 1,000 homeowners' } ),
wix.el( 'div', { className: 'wix-sim-stats' }, [
wix.el( 'div', { className: 'wix-sim-stat' }, [
wix.el( 'div', { className: 'wix-sim-stat-label', textContent: 'Savings' } ),
elPoolSavings
] ),
wix.el( 'div', { className: 'wix-sim-stat' }, [
wix.el( 'div', { className: 'wix-sim-stat-label', textContent: 'Total paid to pool' } ),
elPoolSpent
] )
] ),
wix.el( 'div', { className: 'wix-sim-chart' }, [ canvasPool ] ),
elPoolLog
] );
// Outer wrapper card
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
// Panels grid
wrapper.appendChild( wix.el( 'div', { className: 'wix-sim-panels' }, [
alonePanel,
poolPanel
] ) );
// Controls
var btnStep = wix.el( 'button', { className: 'wix-btn wix-btn--outline', textContent: 'Step 1 year' } );
var btnPlay = wix.el( 'button', { className: 'wix-btn', textContent: 'Play', style: { minWidth: '4.5rem' } } );
var btnReset = wix.el( 'button', { className: 'wix-btn wix-btn--outline', textContent: 'Reset' } );
var elYear = wix.el( 'span', { className: 'wix-sim-year', textContent: 'Year 0 / ' + YEARS } );
var speedSlider = wix.el( 'input', { type: 'range', min: '1', max: '5', value: '3', step: '1' } );
var speedLabel = wix.el( 'label', { className: 'wix-sim-speed' }, [
'Speed ',
speedSlider
] );
wrapper.appendChild( wix.el( 'div', { className: 'wix-sim-controls' }, [
btnStep, btnPlay, btnReset, elYear, speedLabel
] ) );
// Summary (hidden until simulation ends)
var summaryEl = wix.el( 'div', { className: 'wix-sim-summary wix-hidden' } );
wrapper.appendChild( summaryEl );
/* ── Chart Drawing ────────────────────────────────────────── */
function drawChart( canvas, data, dots, lineColor ) {
var ctx = canvas.getContext( '2d' );
var dpr = window.devicePixelRatio || 1;
var rect = canvas.getBoundingClientRect();
if ( rect.width === 0 || rect.height === 0 ) {
return;
}
canvas.width = rect.width * dpr;
canvas.height = rect.height * dpr;
ctx.scale( dpr, dpr );
var w = rect.width;
var h = rect.height;
var pad = { t: 8, b: 24, l: 50, r: 12 };
var cw = w - pad.l - pad.r;
var ch = h - pad.t - pad.b;
ctx.clearRect( 0, 0, w, h );
// Value range
var allVals = data.slice();
var maxVal = Math.max( START + ANNUAL_SAVE * YEARS, Math.max.apply( null, allVals ) ) * 1.05;
var minVal = Math.min( 0, Math.min.apply( null, allVals ) );
var range = maxVal - minVal || 1;
// Grid lines + Y-axis labels
ctx.strokeStyle = colorGrid;
ctx.lineWidth = 0.5;
ctx.fillStyle = colorAxis;
ctx.font = '11px system-ui, sans-serif';
ctx.textAlign = 'right';
var i, y, x, yr;
for ( i = 0; i <= 4; i++ ) {
y = pad.t + ch - ( ch * i / 4 );
ctx.beginPath();
ctx.moveTo( pad.l, y );
ctx.lineTo( pad.l + cw, y );
ctx.stroke();
ctx.fillText( fmt( minVal + range * i / 4 ), pad.l - 6, y + 4 );
}
// X-axis labels
ctx.textAlign = 'center';
ctx.fillStyle = colorAxis;
for ( yr = 0; yr <= YEARS; yr += 5 ) {
x = pad.l + ( cw * yr / YEARS );
ctx.fillText( String( yr ), x, h - 4 );
}
if ( data.length < 2 ) {
return;
}
// Line
ctx.beginPath();
ctx.lineWidth = 2;
ctx.strokeStyle = lineColor;
for ( i = 0; i < data.length; i++ ) {
x = pad.l + ( cw * i / YEARS );
y = pad.t + ch - ( ch * ( data[ i ] - minVal ) / range );
if ( i === 0 ) {
ctx.moveTo( x, y );
} else {
ctx.lineTo( x, y );
}
}
ctx.stroke();
// Gradient fill
var lastIdx = data.length - 1;
var grad = ctx.createLinearGradient( 0, pad.t, 0, pad.t + ch );
grad.addColorStop( 0, lineColor + '18' );
grad.addColorStop( 1, lineColor + '02' );
ctx.beginPath();
for ( i = 0; i < data.length; i++ ) {
x = pad.l + ( cw * i / YEARS );
y = pad.t + ch - ( ch * ( data[ i ] - minVal ) / range );
if ( i === 0 ) {
ctx.moveTo( x, y );
} else {
ctx.lineTo( x, y );
}
}
ctx.lineTo( pad.l + ( cw * lastIdx / YEARS ), pad.t + ch );
ctx.lineTo( pad.l, pad.t + ch );
ctx.closePath();
ctx.fillStyle = grad;
ctx.fill();
// Hit year dots
Object.keys( dots ).forEach( function ( hy ) {
hy = parseInt( hy, 10 );
if ( hy >= data.length ) {
return;
}
x = pad.l + ( cw * hy / YEARS );
y = pad.t + ch - ( ch * ( data[ hy ] - minVal ) / range );
ctx.beginPath();
ctx.arc( x, y, 4, 0, Math.PI * 2 );
ctx.fillStyle = lineColor;
ctx.fill();
} );
// Current position dot (ring)
var cx = pad.l + ( cw * lastIdx / YEARS );
var cy = pad.t + ch - ( ch * ( data[ lastIdx ] - minVal ) / range );
ctx.beginPath();
ctx.arc( cx, cy, 5, 0, Math.PI * 2 );
ctx.fillStyle = lineColor;
ctx.fill();
ctx.beginPath();
ctx.arc( cx, cy, 3, 0, Math.PI * 2 );
ctx.fillStyle = '#fff';
ctx.fill();
}
/* ── Update UI ────────────────────────────────────────────── */
function updateUI() {
elAloneSavings.textContent = fmt( aloneSavings );
elAloneSpent.textContent = fmt( aloneSpent );
elPoolSavings.textContent = fmt( poolSavings );
elPoolSpent.textContent = fmt( poolSpent );
elYear.textContent = 'Year ' + year + ' / ' + YEARS;
drawChart( canvasAlone, aloneData, hitYears, colorAlone );
drawChart( canvasPool, poolData, {}, colorPool );
}
/* ── Simulation Logic ─────────────────────────────────────── */
function stepYear() {
if ( year >= YEARS ) {
stop();
return;
}
year++;
aloneSavings += ANNUAL_SAVE;
poolSavings += ANNUAL_SAVE;
// Hailstorm?
var hit = Math.random() < PROB;
if ( hit ) {
aloneSavings -= REPAIR;
aloneSpent += REPAIR;
hitYears[ year ] = true;
elAloneLog.textContent = 'Year ' + year + ': Hailstorm strikes! -\u20AC15,000 in repairs';
elAloneLog.className = 'wix-sim-log wix-sim-log--hit';
} else {
elAloneLog.textContent = 'Year ' + year + ': No hailstorm';
elAloneLog.className = 'wix-sim-log wix-sim-log--safe';
}
// Pool fee (always paid)
poolSavings -= POOL_FEE;
poolSpent += POOL_FEE;
if ( hit ) {
elPoolLog.textContent = 'Year ' + year + ': Hailstorm strikes \u2014 pool covers the repair. You paid \u20AC200';
elPoolLog.className = 'wix-sim-log wix-sim-log--safe';
} else {
elPoolLog.textContent = 'Year ' + year + ': No hailstorm. Your pool contribution: \u20AC200';
elPoolLog.className = 'wix-sim-log wix-sim-log--safe';
}
aloneData.push( aloneSavings );
poolData.push( poolSavings );
updateUI();
if ( year >= YEARS ) {
stop();
showSummary();
}
}
function stop() {
playing = false;
clearInterval( timer );
timer = null;
btnPlay.textContent = 'Play';
}
function reset() {
stop();
year = 0;
aloneSavings = START;
poolSavings = START;
aloneSpent = 0;
poolSpent = 0;
aloneData = [ START ];
poolData = [ START ];
hitYears = {};
elAloneLog.textContent = 'Ready to simulate';
elAloneLog.className = 'wix-sim-log wix-sim-log--safe';
elPoolLog.textContent = 'Ready to simulate';
elPoolLog.className = 'wix-sim-log wix-sim-log--safe';
summaryEl.classList.add( 'wix-hidden' );
wix.empty( summaryEl );
updateUI();
}
function showSummary() {
wix.empty( summaryEl );
summaryEl.classList.remove( 'wix-hidden' );
summaryEl.classList.add( 'wix-animate-in' );
var hitsCount = Object.keys( hitYears ).length;
summaryEl.appendChild( wix.el( 'div', { className: 'wix-sim-summary-title', textContent: 'After ' + YEARS + ' years' } ) );
var grid = wix.el( 'div', { className: 'wix-sim-summary-grid' }, [
wix.el( 'div', { className: 'wix-sim-summary-item' }, [
wix.el( 'div', { className: 'wix-sim-summary-heading wix-sim-summary-heading--alone', textContent: 'Going it alone' } ),
wix.el( 'div', {}, [ 'Hailstorms suffered: ' + hitsCount ] ),
wix.el( 'div', {}, [ 'Total repair cost: ' + fmt( aloneSpent ) ] ),
wix.el( 'div', {}, [ 'Final savings: ' + fmt( aloneSavings ) ] )
] ),
wix.el( 'div', { className: 'wix-sim-summary-item' }, [
wix.el( 'div', { className: 'wix-sim-summary-heading wix-sim-summary-heading--pool', textContent: 'In the pool' } ),
wix.el( 'div', {}, [ 'Hailstorms suffered: ' + hitsCount + ' (same weather)' ] ),
wix.el( 'div', {}, [ 'Total pool contributions: ' + fmt( poolSpent ) ] ),
wix.el( 'div', {}, [ 'Final savings: ' + fmt( poolSavings ) ] )
] )
] );
summaryEl.appendChild( grid );
}
/* ── Event Wiring ─────────────────────────────────────────── */
btnStep.addEventListener( 'click', function () {
stop();
stepYear();
} );
btnPlay.addEventListener( 'click', function () {
if ( year >= YEARS ) {
reset();
}
if ( playing ) {
stop();
return;
}
playing = true;
btnPlay.textContent = 'Pause';
timer = setInterval( stepYear, speedMs() );
} );
btnReset.addEventListener( 'click', reset );
speedSlider.addEventListener( 'input', function () {
if ( playing ) {
clearInterval( timer );
timer = setInterval( stepYear, speedMs() );
}
} );
/* ── Initial Render + Resize ──────────────────────────────── */
updateUI();
window.addEventListener( 'resize', function () {
drawChart( canvasAlone, aloneData, hitYears, colorAlone );
drawChart( canvasPool, poolData, {}, colorPool );
} );
}
/* ================================================================
INSURER ENGINES
Two-engine profit simulator: underwriting + investment income.
================================================================ */
function initInsurerEngines( container ) {
/* ── Constants ────────────────────────────────────────────── */
var PREMIUMS = 5000000;
var EXPENSES = 1200000;
/* ── Colors (match WIX tokens) ───────────────────────────── */
var styles = getComputedStyle( container );
var colorPos = styles.getPropertyValue( '--wix-correct' ).trim() || '#1e8449';
var colorNeg = styles.getPropertyValue( '--wix-wrong' ).trim() || '#922b21';
var colorInv = styles.getPropertyValue( '--wix-accent' ).trim() || '#1a5276';
/* ── Formatting ───────────────────────────────────────────── */
function fmt( v ) {
var sign = v < 0 ? '-' : '';
var abs = Math.abs( v );
if ( abs >= 1000000 ) {
return sign + '\u20AC' + ( abs / 1000000 ).toFixed( 2 ) + 'M';
}
return sign + '\u20AC' + wix.formatNumber( Math.round( abs ) );
}
/* ── Build UI ─────────────────────────────────────────────── */
wix.empty( container );
// Outer wrapper — single card containing the entire widget
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
// Fixed info row
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-fixed' }, [
wix.el( 'div', {}, [ 'Policies: ', wix.el( 'span', { textContent: '10,000' } ) ] ),
wix.el( 'div', {}, [ 'Avg premium: ', wix.el( 'span', { textContent: '\u20AC500' } ) ] ),
wix.el( 'div', {}, [ 'Total premiums: ', wix.el( 'span', { textContent: '\u20AC5,000,000' } ) ] ),
wix.el( 'div', {}, [ 'Expenses: ', wix.el( 'span', { textContent: '\u20AC1,200,000' } ) ] )
] ) );
// Scenario strip
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-section-label', textContent: 'Claims scenario' } ) );
var scenarios = [
{ label: 'Mild year', sub: '\u20AC2.8M', claims: 2800000 },
{ label: 'Expected', sub: '\u20AC3.2M', claims: 3200000 },
{ label: 'Harsh winter', sub: '\u20AC3.6M', claims: 3600000 }
];
var scenarioBtns = [];
var strip = wix.el( 'div', { className: 'wix-eng-scenario-strip' } );
scenarios.forEach( function ( s, idx ) {
var cls = 'wix-eng-scenario-btn';
if ( idx === 1 ) {
cls += ' wix-eng-scenario-btn--active';
}
var btn = wix.el( 'button', {
className: cls,
'data-claims': String( s.claims )
}, [
s.label,
wix.el( 'br' ),
s.sub
] );
scenarioBtns.push( btn );
strip.appendChild( btn );
} );
wrapper.appendChild( strip );
// Sliders
var claimsSlider = wix.el( 'input', {
type: 'range', min: '2400000', max: '4200000', step: '50000', value: '3200000'
} );
var claimsVal = wix.el( 'div', { className: 'wix-eng-slider-val', textContent: '\u20AC3.20M' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-slider-row' }, [
wix.el( 'div', { className: 'wix-eng-slider-label', textContent: 'Actual claims' } ),
claimsSlider,
claimsVal
] ) );
var investSlider = wix.el( 'input', {
type: 'range', min: '0', max: '8', step: '0.1', value: '3'
} );
var investVal = wix.el( 'div', { className: 'wix-eng-slider-val', textContent: '3.0%' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-slider-row' }, [
wix.el( 'div', { className: 'wix-eng-slider-label', textContent: 'Annual return on float' } ),
investSlider,
investVal
] ) );
// Divider
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-divider' } ) );
// Engine 1: Underwriting
var uwValEl = wix.el( 'div', { className: 'wix-eng-val', textContent: '\u20AC600,000' } );
var uwDetail = wix.el( 'div', { className: 'wix-eng-detail', textContent: '\u20AC5,000,000 premiums \u2212 \u20AC1,200,000 expenses \u2212 \u20AC3,200,000 claims' } );
var uwBar = wix.el( 'div', { className: 'wix-eng-bar' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-card' }, [
wix.el( 'div', { className: 'wix-eng-head' }, [
wix.el( 'div', { className: 'wix-eng-title', textContent: 'Engine 1: underwriting' } ),
uwValEl
] ),
uwDetail,
wix.el( 'div', { className: 'wix-eng-bar-track' }, [ uwBar ] )
] ) );
// Combined ratio
var crValEl = wix.el( 'div', { className: 'wix-eng-cr-val', textContent: '88.0%' } );
var crSub = wix.el( 'div', { className: 'wix-eng-cr-sub', textContent: 'Below 100% \u2014 underwriting profit' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-cr' }, [
wix.el( 'div', { className: 'wix-eng-cr-label', textContent: 'Combined ratio' } ),
crValEl,
crSub
] ) );
// Engine 2: Investment
var invValEl = wix.el( 'div', { className: 'wix-eng-val', textContent: '\u20AC75,000' } );
var invDetail = wix.el( 'div', { className: 'wix-eng-detail' } );
var invBar = wix.el( 'div', { className: 'wix-eng-bar' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-card' }, [
wix.el( 'div', { className: 'wix-eng-head' }, [
wix.el( 'div', { className: 'wix-eng-title', textContent: 'Engine 2: investment' } ),
invValEl
] ),
invDetail,
wix.el( 'div', { className: 'wix-eng-bar-track' }, [ invBar ] )
] ) );
// Divider
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-divider' } ) );
// Total profit
var totalValEl = wix.el( 'div', { className: 'wix-eng-total-val', textContent: '\u20AC675,000' } );
var totalSub = wix.el( 'div', { className: 'wix-eng-total-sub', textContent: 'Underwriting + investment, before tax' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-total' }, [
wix.el( 'div', { className: 'wix-eng-total-head' }, [
wix.el( 'div', { className: 'wix-eng-total-label', textContent: 'Total pre-tax profit' } ),
totalValEl
] ),
totalSub
] ) );
// Callout
var callout = wix.el( 'div', { className: 'wix-eng-callout wix-eng-callout--profit', textContent: 'Both engines are contributing to profit.' } );
wrapper.appendChild( callout );
/* ── Update Logic ─────────────────────────────────────────── */
function update() {
var claims = parseInt( claimsSlider.value, 10 );
var rate = parseFloat( investSlider.value ) / 100;
var uw = PREMIUMS - EXPENSES - claims;
var avgFloat = Math.round( PREMIUMS * 0.5 );
var inv = Math.round( avgFloat * rate );
var total = uw + inv;
var cr = ( claims + EXPENSES ) / PREMIUMS * 100;
// Slider displays
claimsVal.textContent = '\u20AC' + ( claims / 1000000 ).toFixed( 2 ) + 'M';
investVal.textContent = ( rate * 100 ).toFixed( 1 ) + '%';
// Engine 1: underwriting
var uwColor = uw >= 0 ? colorPos : colorNeg;
uwValEl.textContent = fmt( uw );
uwValEl.style.color = uwColor;
uwDetail.textContent = '\u20AC5,000,000 premiums \u2212 \u20AC1,200,000 expenses \u2212 \u20AC' + wix.formatNumber( claims ) + ' claims';
uwBar.style.width = Math.min( 100, Math.abs( uw ) / 1000000 * 100 ) + '%';
uwBar.style.background = uwColor;
// Combined ratio
crValEl.textContent = cr.toFixed( 1 ) + '%';
crValEl.style.color = cr > 100 ? colorNeg : colorPos;
if ( cr > 100 ) {
crSub.textContent = 'Above 100% \u2014 underwriting loss';
} else if ( cr === 100 ) {
crSub.textContent = 'Exactly 100% \u2014 break-even';
} else {
crSub.textContent = 'Below 100% \u2014 underwriting profit';
}
// Engine 2: investment
invValEl.textContent = fmt( inv );
invValEl.style.color = colorInv;
invDetail.textContent = 'The insurer collects \u20AC5M upfront and pays claims gradually. On average, \u20AC' +
wix.formatNumber( avgFloat ) + ' sits invested during the year, earning ' + ( rate * 100 ).toFixed( 1 ) + '%.';
invBar.style.width = Math.min( 100, inv / 200000 * 100 ) + '%';
invBar.style.background = colorInv;
// Total
totalValEl.textContent = fmt( total );
totalValEl.style.color = total >= 0 ? colorPos : colorNeg;
// Callout
if ( uw < 0 && total >= 0 ) {
callout.className = 'wix-eng-callout wix-eng-callout--profit';
callout.textContent = 'The combined ratio exceeds 100%, so underwriting alone is losing money. But investment income more than covers the gap \u2014 the insurer is still profitable overall.';
} else if ( uw < 0 && total < 0 ) {
callout.className = 'wix-eng-callout wix-eng-callout--loss';
callout.textContent = 'Investment income cannot offset the underwriting loss. The insurer is losing money overall.';
} else {
callout.className = 'wix-eng-callout wix-eng-callout--profit';
callout.textContent = 'Both engines are contributing to profit.';
}
// Sync scenario buttons
scenarioBtns.forEach( function ( btn ) {
if ( parseInt( btn.getAttribute( 'data-claims' ), 10 ) === claims ) {
btn.classList.add( 'wix-eng-scenario-btn--active' );
} else {
btn.classList.remove( 'wix-eng-scenario-btn--active' );
}
} );
}
/* ── Event Wiring ─────────────────────────────────────────── */
claimsSlider.addEventListener( 'input', update );
investSlider.addEventListener( 'input', update );
wix.on( strip, 'click', '.wix-eng-scenario-btn', function ( btn ) {
claimsSlider.value = btn.getAttribute( 'data-claims' );
update();
} );
// Initial render
update();
}
/* ================================================================
PREMIUM MATCHING
Demonstrates the matching principle: front-loaded vs spread
revenue recognition for a Madrid insurer.
================================================================ */
function initPremiumMatching( container ) {
/* ── Constants ────────────────────────────────────────────── */
var MONTHS = [ 'Jan', 'Feb', 'Mar', 'Apr', 'May', 'Jun',
'Jul', 'Aug', 'Sep', 'Oct', 'Nov', 'Dec' ];
var PREMIUM = 1200;
var MONTHLY_EXPENSE = 80;
var EXPENSES = [];
var i;
for ( i = 0; i < 12; i++ ) {
EXPENSES.push( MONTHLY_EXPENSE );
}
/* ── Colors (WIX tokens) ─────────────────────────────────── */
var styles = getComputedStyle( container );
var colorRev = styles.getPropertyValue( '--wix-correct' ).trim() || '#1e8449';
var colorExp = styles.getPropertyValue( '--wix-wrong' ).trim() || '#922b21';
var colorProfit = styles.getPropertyValue( '--wix-accent' ).trim() || '#1a5276';
var colorGrid = styles.getPropertyValue( '--wix-border-subtle' ).trim() || '#eaecf0';
var colorAxis = styles.getPropertyValue( '--wix-text-muted' ).trim() || '#54595d';
/* ── State ───────────────────────────────────────────────── */
var mode = 'frontload';
var revenue = [ PREMIUM, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0 ];
/* ── Formatting ──────────────────────────────────────────── */
function fmt( n ) {
return '\u20AC' + wix.formatNumber( Math.round( n ) );
}
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
// Outer wrapper card
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
// Mode buttons
var btnFrontload = wix.el( 'button', {
className: 'wix-pm-mode-btn wix-pm-mode-btn--active',
textContent: 'All in January'
} );
var btnMatched = wix.el( 'button', {
className: 'wix-pm-mode-btn',
textContent: 'Spread evenly (matched)'
} );
wrapper.appendChild( wix.el( 'div', { className: 'wix-pm-modes' }, [
btnFrontload,
btnMatched
] ) );
// Stat cards
var elRevenue = wix.el( 'div', { className: 'wix-pm-stat-val', textContent: fmt( PREMIUM ) } );
var elExpense = wix.el( 'div', { className: 'wix-pm-stat-val', textContent: fmt( MONTHLY_EXPENSE * 12 ) } );
var elProfit = wix.el( 'div', { className: 'wix-pm-stat-val wix-pm-stat-val--profit', textContent: fmt( PREMIUM - MONTHLY_EXPENSE * 12 ) } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-pm-stats' }, [
wix.el( 'div', { className: 'wix-pm-stat' }, [
wix.el( 'div', { className: 'wix-pm-stat-label', textContent: 'Annual revenue' } ),
elRevenue
] ),
wix.el( 'div', { className: 'wix-pm-stat' }, [
wix.el( 'div', { className: 'wix-pm-stat-label', textContent: 'Annual expenses' } ),
elExpense
] ),
wix.el( 'div', { className: 'wix-pm-stat' }, [
wix.el( 'div', { className: 'wix-pm-stat-label', textContent: 'Annual profit' } ),
elProfit
] )
] ) );
// Chart canvas
var canvas = wix.el( 'canvas' );
wrapper.appendChild( wix.el( 'div', { className: 'wix-pm-chart' }, [ canvas ] ) );
// Legend
wrapper.appendChild( wix.el( 'div', { className: 'wix-pm-legend' }, [
wix.el( 'span', { className: 'wix-pm-legend-item' }, [
wix.el( 'span', { className: 'wix-pm-swatch wix-pm-swatch--rev' } ),
'Revenue'
] ),
wix.el( 'span', { className: 'wix-pm-legend-item' }, [
wix.el( 'span', { className: 'wix-pm-swatch wix-pm-swatch--exp' } ),
'Expenses'
] ),
wix.el( 'span', { className: 'wix-pm-legend-item' }, [
wix.el( 'span', { className: 'wix-pm-swatch wix-pm-swatch--profit' } ),
'Profit / loss'
] )
] ) );
// Insight callout
var insightEl = wix.el( 'div', { className: 'wix-eng-callout wix-eng-callout--profit' } );
wrapper.appendChild( insightEl );
/* ── Chart Drawing (vanilla canvas) ──────────────────────── */
function drawChart() {
var profit = [];
for ( var idx = 0; idx < 12; idx++ ) {
profit.push( revenue[ idx ] - EXPENSES[ idx ] );
}
var ctx = canvas.getContext( '2d' );
var dpr = window.devicePixelRatio || 1;
var rect = canvas.getBoundingClientRect();
if ( rect.width === 0 || rect.height === 0 ) {
return;
}
canvas.width = rect.width * dpr;
canvas.height = rect.height * dpr;
ctx.scale( dpr, dpr );
var w = rect.width;
var h = rect.height;
var pad = { t: 16, b: 28, l: 48, r: 12 };
var cw = w - pad.l - pad.r;
var ch = h - pad.t - pad.b;
ctx.clearRect( 0, 0, w, h );
// Value range
var allVals = revenue.concat( EXPENSES ).concat( profit );
var yMax = Math.max.apply( null, allVals ) + 100;
var yMin = Math.min.apply( null, allVals ) - 60;
var range = yMax - yMin || 1;
// Y-axis helper
function yPos( v ) {
return pad.t + ch - ( ch * ( v - yMin ) / range );
}
// Grid lines + Y labels
ctx.strokeStyle = colorGrid;
ctx.lineWidth = 0.5;
ctx.fillStyle = colorAxis;
ctx.font = '11px system-ui, sans-serif';
ctx.textAlign = 'right';
var gridSteps = 5;
for ( i = 0; i <= gridSteps; i++ ) {
var gv = yMin + range * i / gridSteps;
var gy = yPos( gv );
ctx.beginPath();
ctx.moveTo( pad.l, gy );
ctx.lineTo( pad.l + cw, gy );
ctx.stroke();
ctx.fillText( '\u20AC' + Math.round( gv ), pad.l - 6, gy + 4 );
}
// Zero line (if visible)
if ( yMin < 0 && yMax > 0 ) {
var zy = yPos( 0 );
ctx.strokeStyle = colorAxis;
ctx.lineWidth = 0.8;
ctx.beginPath();
ctx.moveTo( pad.l, zy );
ctx.lineTo( pad.l + cw, zy );
ctx.stroke();
ctx.strokeStyle = colorGrid;
ctx.lineWidth = 0.5;
}
// Bar drawing
var groupWidth = cw / 12;
var barWidth = Math.max( 2, ( groupWidth - 8 ) / 3 );
var gap = 2;
for ( idx = 0; idx < 12; idx++ ) {
var gx = pad.l + groupWidth * idx + ( groupWidth - ( barWidth * 3 + gap * 2 ) ) / 2;
var zeroY = yPos( 0 );
// Revenue bar
var ry = yPos( revenue[ idx ] );
ctx.fillStyle = colorRev;
ctx.fillRect( gx, Math.min( ry, zeroY ), barWidth, Math.abs( ry - zeroY ) || 1 );
// Expense bar
var ey = yPos( EXPENSES[ idx ] );
ctx.fillStyle = colorExp;
ctx.fillRect( gx + barWidth + gap, Math.min( ey, zeroY ), barWidth, Math.abs( ey - zeroY ) || 1 );
// Profit / loss bar (single color to avoid confusion with expenses)
var pv = profit[ idx ];
var py = yPos( pv );
ctx.fillStyle = colorProfit;
ctx.fillRect( gx + ( barWidth + gap ) * 2, Math.min( py, zeroY ), barWidth, Math.abs( py - zeroY ) || 1 );
// X label
ctx.fillStyle = colorAxis;
ctx.textAlign = 'center';
ctx.font = '11px system-ui, sans-serif';
ctx.fillText( MONTHS[ idx ], pad.l + groupWidth * idx + groupWidth / 2, h - 6 );
}
}
/* ── Update ──────────────────────────────────────────────── */
function update() {
drawChart();
if ( mode === 'frontload' ) {
insightEl.className = 'wix-eng-callout wix-eng-callout--loss';
insightEl.textContent = 'January shows \u20AC1,120 profit while every other month shows an \u20AC80 loss \u2014 yet the underlying economics are perfectly steady. The annual profit is still \u20AC240 either way, but the monthly picture is wildly misleading. This is the distortion the matching principle prevents.';
} else {
insightEl.className = 'wix-eng-callout wix-eng-callout--profit';
insightEl.textContent = 'Revenue and expenses are aligned in every month: \u20AC100 of revenue minus \u20AC80 of expenses gives a steady \u20AC20 profit. The monthly picture now faithfully reflects the economics of the contract. This is proper matching.';
}
}
function setMode( m ) {
mode = m;
if ( m === 'frontload' ) {
revenue = [ PREMIUM, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0 ];
btnFrontload.classList.add( 'wix-pm-mode-btn--active' );
btnMatched.classList.remove( 'wix-pm-mode-btn--active' );
} else {
revenue = [];
for ( var j = 0; j < 12; j++ ) {
revenue.push( 100 );
}
btnMatched.classList.add( 'wix-pm-mode-btn--active' );
btnFrontload.classList.remove( 'wix-pm-mode-btn--active' );
}
update();
}
/* ── Event Wiring ────────────────────────────────────────── */
btnFrontload.addEventListener( 'click', function () {
setMode( 'frontload' );
} );
btnMatched.addEventListener( 'click', function () {
setMode( 'matched' );
} );
window.addEventListener( 'resize', drawChart );
/* ── Initial Render ──────────────────────────────────────── */
setMode( 'frontload' );
}
/* ================================================================
RESERVE SENSITIVITY
Slider showing how reserve reassessments flow through to P&L
and shareholders' equity.
================================================================ */
function initReserveSensitivity( container ) {
/* ── Constants ────────────────────────────────────────────── */
var RESERVES = 90; // €bn
var EQUITY = 50; // €bn
var TAX = 0.25;
var MAX_PCT = 10; // bar scale cap
/* ── Colors (WIX tokens) ─────────────────────────────────── */
var styles = getComputedStyle( container );
var colorPos = styles.getPropertyValue( '--wix-correct' ).trim() || '#1e8449';
var colorNeg = styles.getPropertyValue( '--wix-wrong' ).trim() || '#922b21';
/* ── Formatting ──────────────────────────────────────────── */
function fmtBn( v ) {
var abs = Math.abs( v );
return abs >= 1 ? abs.toFixed( 1 ) : abs.toFixed( 2 );
}
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
// Slider row
var slider = wix.el( 'input', {
type: 'range', min: '-5', max: '5', value: '2', step: '0.5'
} );
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-section-label', textContent: 'Reserve reassessment' } ) );
wrapper.appendChild( wix.el( 'div', { className: 'wix-rs-slider-row' }, [
wix.el( 'span', { className: 'wix-rs-bound', textContent: '-5%' } ),
slider,
wix.el( 'span', { className: 'wix-rs-bound', textContent: '+5%' } )
] ) );
// Stat cards — row 1: P&L impact
var elPretax = wix.el( 'div', { className: 'wix-rs-card-num' } );
var elAftertax = wix.el( 'div', { className: 'wix-rs-card-num' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-rs-cards' }, [
wix.el( 'div', { className: 'wix-rs-card' }, [
wix.el( 'div', { className: 'wix-rs-card-label', textContent: 'Pre-tax P&L impact' } ),
elPretax
] ),
wix.el( 'div', { className: 'wix-rs-card' }, [
wix.el( 'div', { className: 'wix-rs-card-label', textContent: 'After-tax (25%) P&L impact' } ),
elAftertax
] )
] ) );
// Stat cards — row 2: reserves
var elNewRes = wix.el( 'div', { className: 'wix-rs-card-num' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-rs-cards' }, [
wix.el( 'div', { className: 'wix-rs-card' }, [
wix.el( 'div', { className: 'wix-rs-card-label', textContent: 'Reserves (original)' } ),
wix.el( 'div', { className: 'wix-rs-card-num wix-rs-card-num--muted', textContent: '\u20AC90.0bn' } )
] ),
wix.el( 'div', { className: 'wix-rs-card' }, [
wix.el( 'div', { className: 'wix-rs-card-label', textContent: 'Reserves (revised)' } ),
elNewRes
] )
] ) );
// Bar charts
var bar1Fill = wix.el( 'div', { className: 'wix-rs-bar-fill' } );
var bar2Fill = wix.el( 'div', { className: 'wix-rs-bar-fill' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-rs-bars' }, [
wix.el( 'div', {}, [
wix.el( 'div', { className: 'wix-rs-bar-label', textContent: 'Reserve reassessment' } ),
wix.el( 'div', { className: 'wix-rs-bar-track' }, [
wix.el( 'div', { className: 'wix-rs-bar-center' } ),
bar1Fill
] )
] ),
wix.el( 'div', {}, [
wix.el( 'div', { className: 'wix-rs-bar-label', textContent: 'Impact on shareholders\u2019 equity (\u20AC50bn)' } ),
wix.el( 'div', { className: 'wix-rs-bar-track' }, [
wix.el( 'div', { className: 'wix-rs-bar-center' } ),
bar2Fill
] )
] )
] ) );
/* ── Bar Helper ──────────────────────────────────────────── */
function setBar( el, pct, color ) {
var clamped = wix.clamp( pct, -MAX_PCT, MAX_PCT );
var w = Math.abs( clamped ) / MAX_PCT * 50;
if ( clamped >= 0 ) {
el.style.left = '50%';
el.style.width = w + '%';
el.style.borderRadius = '0 var(--wix-radius) var(--wix-radius) 0';
} else {
el.style.left = ( 50 - w ) + '%';
el.style.width = w + '%';
el.style.borderRadius = 'var(--wix-radius) 0 0 var(--wix-radius)';
}
el.style.background = color;
var label = ( pct >= 0 ? '+' : '' ) + pct.toFixed( 1 ) + '%';
el.textContent = Math.abs( pct ) >= 0.5 ? label : '';
}
/* ── Update Logic ────────────────────────────────────────── */
function update() {
var p = parseFloat( slider.value );
var delta = RESERVES * p / 100;
var pretax = -delta;
var aftertax = pretax * ( 1 - TAX );
// P&L cards
var sign;
sign = pretax >= 0 ? '+' : '-';
elPretax.textContent = sign + '\u20AC' + fmtBn( pretax ) + 'bn';
elPretax.className = 'wix-rs-card-num' + ( pretax > 0 ? ' wix-rs-card-num--pos' : pretax < 0 ? ' wix-rs-card-num--neg' : '' );
sign = aftertax >= 0 ? '+' : '-';
elAftertax.textContent = sign + '\u20AC' + fmtBn( aftertax ) + 'bn';
elAftertax.className = 'wix-rs-card-num' + ( aftertax > 0 ? ' wix-rs-card-num--pos' : aftertax < 0 ? ' wix-rs-card-num--neg' : '' );
// Revised reserves
elNewRes.textContent = '\u20AC' + ( RESERVES + delta ).toFixed( 1 ) + 'bn';
// Bars
var resPct = p;
var eqPct = aftertax / EQUITY * 100;
setBar( bar1Fill, resPct, p <= 0 ? colorPos : colorNeg );
setBar( bar2Fill, eqPct, aftertax >= 0 ? colorPos : colorNeg );
}
/* ── Event Wiring ────────────────────────────────────────── */
slider.addEventListener( 'input', update );
// Initial render
update();
}
/* ================================================================
IFRS TIMELINE
Interactive horizontal timeline of IFRS / insurance-accounting
milestones. Events are read from a data-wix-events JSON attribute.
Each event: { year, cat ("ifrs"|"ins"), title, body }
================================================================ */
function initIfrsTimeline( container ) {
/* ── Read events from data attribute ─────────────────────── */
var raw = wix.data( container, 'wix-events', '[]' );
var events;
try {
events = JSON.parse( raw );
} catch ( e ) {
return;
}
if ( !events.length ) {
return;
}
/* ── Colors (WIX tokens + category overrides) ────────────── */
var styles = getComputedStyle( container );
var colorIfrs = styles.getPropertyValue( '--wix-accent' ).trim() || '#1a5276';
var colorIns = styles.getPropertyValue( '--wix-wrong' ).trim() || '#922b21';
/* ── State ───────────────────────────────────────────────── */
var active = 0;
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
// Timeline track
var line = wix.el( 'div', { className: 'wix-tl-line' } );
var dotsEl = wix.el( 'div', { className: 'wix-tl-dots' } );
var track = wix.el( 'div', { className: 'wix-tl-track' }, [ line, dotsEl ] );
wrapper.appendChild( track );
// Detail card
var cardTitle = wix.el( 'div', { className: 'wix-tl-card-title' } );
var cardBody = wix.el( 'div', { className: 'wix-tl-card-body' } );
var card = wix.el( 'div', { className: 'wix-tl-card' }, [ cardTitle, cardBody ] );
wrapper.appendChild( card );
// Legend
wrapper.appendChild( wix.el( 'div', { className: 'wix-tl-legend' }, [
wix.el( 'span', { className: 'wix-tl-legend-item' }, [
wix.el( 'span', { className: 'wix-tl-legend-dot wix-tl-legend-dot--ifrs' } ),
'IFRS programme'
] ),
wix.el( 'span', { className: 'wix-tl-legend-item' }, [
wix.el( 'span', { className: 'wix-tl-legend-dot wix-tl-legend-dot--ins' } ),
'Insurance-specific'
] )
] ) );
// Navigation buttons
var btnPrev = wix.el( 'button', { className: 'wix-btn wix-btn--outline', textContent: 'Previous' } );
var btnNext = wix.el( 'button', { className: 'wix-btn wix-btn--outline', textContent: 'Next' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-tl-nav' }, [ btnPrev, btnNext ] ) );
/* ── Render ──────────────────────────────────────────────── */
function render() {
wix.empty( dotsEl );
events.forEach( function ( ev, i ) {
var dot = wix.el( 'div', { className: 'wix-tl-dot' } );
var year = wix.el( 'span', { className: 'wix-tl-year', textContent: ev.year } );
var cls = 'wix-tl-dot-wrap';
if ( ev.cat === 'ins' ) {
cls += ' wix-tl-dot-wrap--ins';
}
if ( i === active ) {
cls += ' wix-tl-dot-wrap--active';
}
var wrap = wix.el( 'div', { className: cls }, [ dot, year ] );
wrap.setAttribute( 'data-idx', String( i ) );
dotsEl.appendChild( wrap );
} );
// Card content
var ev = events[ active ];
cardTitle.textContent = ev.title;
cardBody.textContent = ev.body;
// Card accent border color
card.style.borderLeftColor = ev.cat === 'ins' ? colorIns : colorIfrs;
// Button states
btnPrev.disabled = active === 0;
btnNext.disabled = active === events.length - 1;
}
/* ── Event Wiring ────────────────────────────────────────── */
wix.on( dotsEl, 'click', '.wix-tl-dot-wrap', function ( target ) {
var idx = parseInt( target.getAttribute( 'data-idx' ), 10 );
if ( !isNaN( idx ) ) {
active = idx;
render();
}
} );
btnPrev.addEventListener( 'click', function () {
if ( active > 0 ) {
active--;
render();
}
} );
btnNext.addEventListener( 'click', function () {
if ( active < events.length - 1 ) {
active++;
render();
}
} );
// Initial render
render();
}
/* ================================================================
LIABILITY WATERFALL
Decomposes a single insurance liability number into its IFRS 17
building blocks via a waterfall chart.
Blocks are read from data-wix-blocks JSON; each entry has:
label, short, value, color, titleColor, question, body
================================================================ */
function initLiabilityWaterfall( container ) {
/* ── Read blocks from data attribute ─────────────────────── */
var raw = wix.data( container, 'wix-blocks', '[]' );
var blocks;
try {
blocks = JSON.parse( raw );
} catch ( e ) {
return;
}
if ( !blocks.length ) {
return;
}
/* ── Colors (WIX tokens) ─────────────────────────────────── */
var styles = getComputedStyle( container );
var colorText = styles.getPropertyValue( '--wix-text-muted' ).trim() || '#54595d';
var colorGrid = styles.getPropertyValue( '--wix-border-subtle' ).trim() || '#eaecf0';
/* ── Chart constants ─────────────────────────────────────── */
var MAX_VAL = 850;
var PAD = { t: 40, b: 50, l: 20, r: 20 };
/* ── State ───────────────────────────────────────────────── */
var view = 'old';
var selected = 0;
var hovered = -1;
var hitAreas = [];
var W, H;
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
// Toggle buttons
var btnOld = wix.el( 'button', {
className: 'wix-pm-mode-btn wix-pm-mode-btn--active',
textContent: 'Old world'
} );
var btnNew = wix.el( 'button', {
className: 'wix-pm-mode-btn',
textContent: 'IFRS 17'
} );
wrapper.appendChild( wix.el( 'div', { className: 'wix-pm-modes' }, [ btnOld, btnNew ] ) );
// Canvas
var canvas = wix.el( 'canvas', { style: { cursor: 'pointer' } } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-wf-chart' }, [ canvas ] ) );
// Detail card
var detailTitle = wix.el( 'div', { className: 'wix-wf-detail-title' } );
var detailBody = wix.el( 'div', { className: 'wix-wf-detail-body' } );
var detailCard = wix.el( 'div', { className: 'wix-wf-detail' }, [ detailTitle, detailBody ] );
wrapper.appendChild( detailCard );
/* ── Canvas Helpers ──────────────────────────────────────── */
function resize() {
var dpr = window.devicePixelRatio || 1;
var rect = canvas.getBoundingClientRect();
if ( rect.width === 0 ) {
return;
}
W = rect.width;
H = 290;
canvas.width = W * dpr;
canvas.height = H * dpr;
canvas.getContext( '2d' ).setTransform( dpr, 0, 0, dpr, 0, 0 );
}
function yForVal( v ) {
return PAD.t + ( 1 - v / MAX_VAL ) * ( H - PAD.t - PAD.b );
}
/* ── roundRect polyfill for older browsers ───────────────── */
function roundRect( ctx2, x, y, w, h, r ) {
if ( ctx2.roundRect ) {
ctx2.beginPath();
ctx2.roundRect( x, y, w, h, r );
return;
}
ctx2.beginPath();
ctx2.moveTo( x + r, y );
ctx2.lineTo( x + w - r, y );
ctx2.arcTo( x + w, y, x + w, y + r, r );
ctx2.lineTo( x + w, y + h - r );
ctx2.arcTo( x + w, y + h, x + w - r, y + h, r );
ctx2.lineTo( x + r, y + h );
ctx2.arcTo( x, y + h, x, y + h - r, r );
ctx2.lineTo( x, y + r );
ctx2.arcTo( x, y, x + r, y, r );
ctx2.closePath();
}
/* ── Draw ────────────────────────────────────────────────── */
function draw() {
var ctx2 = canvas.getContext( '2d' );
ctx2.clearRect( 0, 0, W, H );
hitAreas = [];
if ( view === 'old' ) {
drawOldWorld( ctx2 );
} else {
drawWaterfall( ctx2 );
}
}
function drawOldWorld( ctx2 ) {
var bw = Math.min( 160, W * 0.3 );
var x = ( W - bw ) / 2;
var top = yForVal( 800 );
var bot = yForVal( 0 );
var h = bot - top;
ctx2.fillStyle = hovered === 0 ? '#7A7A73' : '#888780';
roundRect( ctx2, x, top, bw, h, 6 );
ctx2.fill();
ctx2.fillStyle = '#fff';
ctx2.font = '500 15px system-ui, sans-serif';
ctx2.textAlign = 'center';
ctx2.textBaseline = 'middle';
ctx2.fillText( '\u20AC800m', x + bw / 2, top + h / 2 );
ctx2.fillStyle = colorText;
ctx2.font = '400 13px system-ui, sans-serif';
ctx2.fillText( 'Insurance liabilities', x + bw / 2, bot + 20 );
ctx2.fillStyle = colorGrid;
ctx2.font = '400 12px system-ui, sans-serif';
ctx2.fillText( 'What\u2019s inside?', x + bw / 2, bot + 38 );
hitAreas.push( { x: x, y: top, w: bw, h: h, idx: 0 } );
}
function drawWaterfall( ctx2 ) {
var n = blocks.length;
var usable = W - PAD.l - PAD.r;
var bw = usable / ( n + ( n - 1 ) * 0.5 );
var gap = bw * 0.5;
var running = 0;
var i, b, x, top, bot, barH, prevRunning, connY, lines, li;
for ( i = 0; i < n; i++ ) {
b = blocks[ i ];
x = PAD.l + i * ( bw + gap );
if ( i < n - 1 ) {
prevRunning = running;
running += b.value;
if ( b.value >= 0 ) {
top = yForVal( running );
bot = yForVal( prevRunning );
} else {
top = yForVal( prevRunning );
bot = yForVal( running );
}
barH = bot - top;
} else {
// Total bar: full height from 0 to total
top = yForVal( running );
bot = yForVal( 0 );
barH = bot - top;
}
// Bar
ctx2.globalAlpha = ( hovered === i || selected === i ) ? 0.85 : 1;
ctx2.fillStyle = b.color;
roundRect( ctx2, x, top, bw, barH, 4 );
ctx2.fill();
ctx2.globalAlpha = 1;
// Value label
ctx2.textAlign = 'center';
ctx2.textBaseline = 'middle';
if ( barH > 24 ) {
ctx2.fillStyle = '#fff';
ctx2.font = '500 12px system-ui, sans-serif';
ctx2.fillText( b.short, x + bw / 2, top + barH / 2 );
} else {
ctx2.fillStyle = b.color;
ctx2.font = '500 12px system-ui, sans-serif';
ctx2.fillText( b.short, x + bw / 2, top - 10 );
}
// Dashed connector to previous bar
if ( i > 0 && i < n - 1 ) {
connY = b.value >= 0 ? yForVal( running - b.value ) : yForVal( running );
ctx2.strokeStyle = colorGrid;
ctx2.setLineDash( [ 3, 3 ] );
ctx2.lineWidth = 1;
ctx2.beginPath();
ctx2.moveTo( PAD.l + ( i - 1 ) * ( bw + gap ) + bw, connY );
ctx2.lineTo( x, connY );
ctx2.stroke();
ctx2.setLineDash( [] );
}
// Connector from last component to total
if ( i === n - 2 ) {
connY = yForVal( running );
ctx2.strokeStyle = colorGrid;
ctx2.setLineDash( [ 3, 3 ] );
ctx2.lineWidth = 1;
ctx2.beginPath();
ctx2.moveTo( x + bw, connY );
ctx2.lineTo( PAD.l + ( n - 1 ) * ( bw + gap ), connY );
ctx2.stroke();
ctx2.setLineDash( [] );
}
// X-axis label (supports \n line breaks)
ctx2.fillStyle = colorText;
ctx2.font = '400 11px system-ui, sans-serif';
ctx2.textAlign = 'center';
ctx2.textBaseline = 'top';
lines = b.label.split( '\n' );
for ( li = 0; li < lines.length; li++ ) {
ctx2.fillText( lines[ li ], x + bw / 2, bot + 10 + li * 14 );
}
hitAreas.push( { x: x, y: top, w: bw, h: barH, idx: i } );
}
}
/* ── Detail Card ─────────────────────────────────────────── */
function renderDetail() {
if ( view === 'old' ) {
detailTitle.textContent = 'One opaque number';
detailTitle.style.color = '#444441';
detailBody.textContent = 'Under the old rules, this single figure hides everything: expected claims, time value adjustments, uncertainty buffers, and unearned profit. No way to tell what drives it or how it might change.';
return;
}
var b = blocks[ selected ];
detailTitle.textContent = b.question;
detailTitle.style.color = b.titleColor || '';
detailBody.textContent = b.body;
}
/* ── Hit Testing ─────────────────────────────────────────── */
function hitTest( e ) {
var rect = canvas.getBoundingClientRect();
var mx = e.clientX - rect.left;
var my = e.clientY - rect.top;
var i, a;
for ( i = hitAreas.length - 1; i >= 0; i-- ) {
a = hitAreas[ i ];
if ( mx >= a.x && mx <= a.x + a.w && my >= a.y && my <= a.y + a.h ) {
return a.idx;
}
}
return -1;
}
/* ── View Toggle ─────────────────────────────────────────── */
function setView( v ) {
view = v;
selected = 0;
hovered = -1;
if ( v === 'old' ) {
btnOld.classList.add( 'wix-pm-mode-btn--active' );
btnNew.classList.remove( 'wix-pm-mode-btn--active' );
} else {
btnNew.classList.add( 'wix-pm-mode-btn--active' );
btnOld.classList.remove( 'wix-pm-mode-btn--active' );
}
draw();
renderDetail();
}
/* ── Event Wiring ────────────────────────────────────────── */
btnOld.addEventListener( 'click', function () { setView( 'old' ); } );
btnNew.addEventListener( 'click', function () { setView( 'new' ); } );
canvas.addEventListener( 'mousemove', function ( e ) {
var h = hitTest( e );
if ( h !== hovered ) {
hovered = h;
canvas.style.cursor = h >= 0 ? 'pointer' : 'default';
draw();
}
} );
canvas.addEventListener( 'mouseleave', function () {
hovered = -1;
draw();
} );
canvas.addEventListener( 'click', function ( e ) {
var h = hitTest( e );
if ( h >= 0 ) {
selected = h;
renderDetail();
draw();
}
} );
window.addEventListener( 'resize', function () {
resize();
draw();
} );
// Initial render
resize();
draw();
renderDetail();
}
/* ================================================================
PROB-WEIGHTED
Probability-weighted estimate calculator.
Two scenarios (quiet year / major flood) with an adjustable
flood probability slider.
================================================================ */
function initProbWeighted( container ) {
/* ── Constants ────────────────────────────────────────────── */
var QUIET = 8; // €m
var FLOOD = 40; // €m
/* ── Colors ──────────────────────────────────────────────── */
var COLOR_QUIET_BG = '#d4e6f1';
var COLOR_QUIET_FG = '#0C447C';
var COLOR_FLOOD_BG = '#fadbd8';
var COLOR_FLOOD_FG = '#791F1F';
var COLOR_RESULT_BG = '#d4e6f1';
var COLOR_RESULT_FG = '#1a5276';
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
// Slider row
var slider = wix.el( 'input', {
type: 'range', min: '0', max: '50', value: '10', step: '1'
} );
var sliderVal = wix.el( 'span', { className: 'wix-eng-slider-val', textContent: '10%' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-slider-row' }, [
wix.el( 'div', { className: 'wix-eng-slider-label', textContent: 'Flood probability' } ),
slider,
sliderVal
] ) );
// Scenario cards row
var elQuietVal = wix.el( 'div', { className: 'wix-pw-scene-val', style: { color: COLOR_QUIET_FG }, textContent: '\u20AC8m' } );
var elFloodVal = wix.el( 'div', { className: 'wix-pw-scene-val', style: { color: COLOR_FLOOD_FG }, textContent: '\u20AC40m' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-pw-calc' }, [
wix.el( 'div', { className: 'wix-pw-scene', style: { background: COLOR_QUIET_BG } }, [
wix.el( 'div', { className: 'wix-pw-scene-title', style: { color: COLOR_QUIET_FG }, textContent: 'Quiet year' } ),
elQuietVal
] ),
wix.el( 'div', { className: 'wix-pw-op', textContent: '+' } ),
wix.el( 'div', { className: 'wix-pw-scene', style: { background: COLOR_FLOOD_BG } }, [
wix.el( 'div', { className: 'wix-pw-scene-title', style: { color: COLOR_FLOOD_FG }, textContent: 'Major flood' } ),
elFloodVal
] )
] ) );
// Probability row (x multipliers)
var elQuietPct = wix.el( 'div', { className: 'wix-pw-prob-num', style: { color: COLOR_QUIET_FG }, textContent: '90%' } );
var elFloodPct = wix.el( 'div', { className: 'wix-pw-prob-num', style: { color: COLOR_FLOOD_FG }, textContent: '10%' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-pw-prob-row' }, [
wix.el( 'div', { style: { textAlign: 'center' } }, [
wix.el( 'div', { className: 'wix-pw-mult-x', textContent: '\u00D7' } ),
wix.el( 'div', { className: 'wix-pw-prob', style: { background: COLOR_QUIET_BG } }, [ elQuietPct ] )
] ),
wix.el( 'div' ),
wix.el( 'div', { style: { textAlign: 'center' } }, [
wix.el( 'div', { className: 'wix-pw-mult-x', textContent: '\u00D7' } ),
wix.el( 'div', { className: 'wix-pw-prob', style: { background: COLOR_FLOOD_BG } }, [ elFloodPct ] )
] )
] ) );
// Equals sign
wrapper.appendChild( wix.el( 'div', { className: 'wix-pw-eq' }, [
wix.el( 'span', { className: 'wix-pw-eq-sign', textContent: '=' } )
] ) );
// Result card
var elWeighted = wix.el( 'div', { className: 'wix-pw-result-num' } );
var elVs = wix.el( 'div', { className: 'wix-pw-result-vs' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-pw-result' }, [
wix.el( 'div', { className: 'wix-pw-result-label', textContent: 'Probability-weighted estimate' } ),
elWeighted,
elVs
] ) );
/* ── Update Logic ────────────────────────────────────────── */
function update() {
var fp = parseInt( slider.value, 10 );
var qp = 100 - fp;
sliderVal.textContent = fp + '%';
elQuietPct.textContent = qp + '%';
elFloodPct.textContent = fp + '%';
var w = ( qp / 100 ) * QUIET + ( fp / 100 ) * FLOOD;
var wR = Math.round( w * 10 ) / 10;
elWeighted.textContent = '\u20AC' + wR.toFixed( 1 ) + 'm';
var mostLikely = qp >= fp ? QUIET : FLOOD;
elVs.textContent = 'vs. \u20AC' + mostLikely + 'm most likely outcome';
}
/* ── Event Wiring ────────────────────────────────────────── */
slider.addEventListener( 'input', update );
// Initial render
update();
}
/* ================================================================
DISCOUNT RATE
Discount-rate dashboard: shows how discounting reduces a
future claim to present value, with year-by-year unwinding.
================================================================ */
function initDiscountRate( container ) {
/* ── Constants ────────────────────────────────────────────── */
var CLAIM = 100000;
var YEARS = 5;
/* ── Colors (WIX tokens) ─────────────────────────────────── */
var styles = getComputedStyle( container );
var colorPV = styles.getPropertyValue( '--wix-accent' ).trim() || '#1a5276';
var colorAccr = styles.getPropertyValue( '--wix-correct' ).trim() || '#1e8449';
var colorGrid = styles.getPropertyValue( '--wix-border-subtle' ).trim() || '#eaecf0';
var colorAxis = styles.getPropertyValue( '--wix-text-muted' ).trim() || '#54595d';
var colorNom = styles.getPropertyValue( '--wix-border' ).trim() || '#c8ccd1';
/* ── Helpers ─────────────────────────────────────────────── */
function pv( fv, r, t ) {
return fv / Math.pow( 1 + r, t );
}
function fmt( v ) {
return '\u20AC' + wix.formatNumber( Math.round( v ) );
}
function fmtK( v ) {
return '\u20AC' + Math.round( v / 1000 ) + 'k';
}
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
// Slider row (reuse insurer-engines pattern)
var slider = wix.el( 'input', {
type: 'range', min: '0', max: '6', step: '0.1', value: '3'
} );
var sliderVal = wix.el( 'div', { className: 'wix-eng-slider-val', textContent: '3.0%' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-eng-slider-row' }, [
wix.el( 'div', { className: 'wix-eng-slider-label', textContent: 'Discount rate' } ),
slider,
sliderVal
] ) );
// Stat cards (3-column grid, reuse reserve-sensitivity pattern)
var elPV = wix.el( 'div', { className: 'wix-rs-card-num' } );
var elOver = wix.el( 'div', { className: 'wix-rs-card-num' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-dr-cards' }, [
wix.el( 'div', { className: 'wix-rs-card' }, [
wix.el( 'div', { className: 'wix-rs-card-label', textContent: 'Claim (nominal)' } ),
wix.el( 'div', { className: 'wix-rs-card-num wix-rs-card-num--muted', textContent: '\u20AC100,000' } )
] ),
wix.el( 'div', { className: 'wix-rs-card' }, [
wix.el( 'div', { className: 'wix-rs-card-label', textContent: 'Present value today' } ),
elPV
] ),
wix.el( 'div', { className: 'wix-rs-card' }, [
wix.el( 'div', { className: 'wix-rs-card-label', textContent: 'Overstatement if no discount' } ),
elOver
] )
] ) );
// Chart + table box (same style as stat cards)
var canvas = wix.el( 'canvas' );
var tableEl = wix.el( 'div', { className: 'wix-dr-table' } );
var chartBox = wix.el( 'div', { className: 'wix-rs-card wix-dr-box' }, [
wix.el( 'div', { className: 'wix-eng-section-label', textContent: 'Liability unwinding \u2014 year by year' } ),
wix.el( 'div', { className: 'wix-dr-chart' }, [ canvas ] ),
wix.el( 'div', { className: 'wix-pm-legend' }, [
wix.el( 'span', { className: 'wix-pm-legend-item' }, [
wix.el( 'span', { className: 'wix-pm-swatch', style: { background: colorPV } } ),
'Present value'
] ),
wix.el( 'span', { className: 'wix-pm-legend-item' }, [
wix.el( 'span', { className: 'wix-pm-swatch', style: { background: colorAccr } } ),
'Annual accretion'
] ),
wix.el( 'span', { className: 'wix-pm-legend-item' }, [
wix.el( 'span', { className: 'wix-dr-nom-swatch' } ),
'Nominal (\u20AC100,000)'
] )
] ),
tableEl
] );
wrapper.appendChild( chartBox );
/* ── Chart Drawing ───────────────────────────────────────── */
function drawChart( pvs, accretions ) {
var ctx = canvas.getContext( '2d' );
var dpr = window.devicePixelRatio || 1;
var rect = canvas.getBoundingClientRect();
if ( rect.width === 0 || rect.height === 0 ) {
return;
}
canvas.width = rect.width * dpr;
canvas.height = rect.height * dpr;
ctx.scale( dpr, dpr );
var w = rect.width;
var h = rect.height;
var pad = { t: 12, b: 28, l: 50, r: 12 };
var cw = w - pad.l - pad.r;
var ch = h - pad.t - pad.b;
var yMax = 105000;
var n = YEARS + 1;
ctx.clearRect( 0, 0, w, h );
// Y helper
function yPos( v ) {
return pad.t + ch - ( ch * v / yMax );
}
function xPos( i ) {
return pad.l + ( cw * i / ( n - 1 ) );
}
// Grid + Y labels
ctx.strokeStyle = colorGrid;
ctx.lineWidth = 0.5;
ctx.fillStyle = colorAxis;
ctx.font = '11px system-ui, sans-serif';
ctx.textAlign = 'right';
var gridSteps = 5;
var i, y;
for ( i = 0; i <= gridSteps; i++ ) {
var gv = yMax * i / gridSteps;
y = yPos( gv );
ctx.beginPath();
ctx.moveTo( pad.l, y );
ctx.lineTo( pad.l + cw, y );
ctx.stroke();
ctx.fillText( fmtK( gv ), pad.l - 6, y + 4 );
}
// X labels
ctx.textAlign = 'center';
for ( i = 0; i < n; i++ ) {
ctx.fillText( 'Year ' + i, xPos( i ), h - 6 );
}
// Nominal dashed line
ctx.strokeStyle = colorNom;
ctx.lineWidth = 1;
ctx.setLineDash( [ 4, 4 ] );
ctx.beginPath();
ctx.moveTo( pad.l, yPos( CLAIM ) );
ctx.lineTo( pad.l + cw, yPos( CLAIM ) );
ctx.stroke();
ctx.setLineDash( [] );
// Accretion bars
var barWidth = Math.min( 30, cw / n * 0.45 );
for ( i = 0; i < n; i++ ) {
if ( accretions[ i ] <= 0 ) {
continue;
}
var bx = xPos( i ) - barWidth / 2;
var by = yPos( accretions[ i ] );
var bh = yPos( 0 ) - by;
ctx.fillStyle = colorAccr + '66';
ctx.fillRect( bx, by, barWidth, bh );
ctx.strokeStyle = colorAccr;
ctx.lineWidth = 1;
ctx.strokeRect( bx, by, barWidth, bh );
}
// PV line
ctx.beginPath();
ctx.strokeStyle = colorPV;
ctx.lineWidth = 2;
for ( i = 0; i < n; i++ ) {
var px = xPos( i );
var py = yPos( pvs[ i ] );
if ( i === 0 ) {
ctx.moveTo( px, py );
} else {
ctx.lineTo( px, py );
}
}
ctx.stroke();
// PV dots
for ( i = 0; i < n; i++ ) {
ctx.beginPath();
ctx.arc( xPos( i ), yPos( pvs[ i ] ), 4, 0, Math.PI * 2 );
ctx.fillStyle = colorPV;
ctx.fill();
}
}
/* ── Table ───────────────────────────────────────────────── */
function buildTable( pvs, accretions ) {
wix.empty( tableEl );
var thead = wix.el( 'tr', {}, [
wix.el( 'th', { textContent: 'Year' } ),
wix.el( 'th', { textContent: 'Remaining' } ),
wix.el( 'th', { textContent: 'Present value' } ),
wix.el( 'th', { textContent: 'Accretion' } )
] );
var table = wix.el( 'table', { className: 'wix-dr-tbl' }, [ thead ] );
for ( var yr = 0; yr <= YEARS; yr++ ) {
table.appendChild( wix.el( 'tr', {}, [
wix.el( 'td', { textContent: 'Year ' + yr } ),
wix.el( 'td', { textContent: ( YEARS - yr ) + ' yr' } ),
wix.el( 'td', { textContent: fmt( pvs[ yr ] ) } ),
wix.el( 'td', { textContent: yr === 0 ? '\u2014' : fmt( accretions[ yr ] ) } )
] ) );
}
tableEl.appendChild( table );
}
/* ── Update ──────────────────────────────────────────────── */
function update() {
var r = parseFloat( slider.value ) / 100;
sliderVal.textContent = slider.value + '%';
var todayPV = pv( CLAIM, r, YEARS );
elPV.textContent = fmt( todayPV );
elOver.textContent = fmt( CLAIM - todayPV );
var pvs = [];
var accretions = [];
for ( var yr = 0; yr <= YEARS; yr++ ) {
var remaining = YEARS - yr;
var val = pv( CLAIM, r, remaining );
pvs.push( Math.round( val ) );
accretions.push( yr === 0 ? 0 : Math.round( val - pv( CLAIM, r, remaining + 1 ) ) );
}
drawChart( pvs, accretions );
buildTable( pvs, accretions );
}
/* ── Event Wiring ────────────────────────────────────────── */
slider.addEventListener( 'input', update );
window.addEventListener( 'resize', function () {
update();
} );
// Initial render
update();
}
/* ================================================================
BALANCE SHEET
IFRS 17 balance sheet: two-column stacked bar (assets vs
liabilities) with click-to-explore detail card and brackets.
Blocks read from data-wix-blocks JSON attribute.
================================================================ */
function initBalanceSheet( container ) {
/* ── Read blocks from data attribute ─────────────────────── */
var raw = wix.data( container, 'wix-blocks', '[]' );
var blocks;
try {
blocks = JSON.parse( raw );
} catch ( e ) {
return;
}
if ( !blocks.length ) {
return;
}
var TOTAL = blocks[ 0 ].val;
/* ── Colors (WIX tokens for brackets/axis) ───────────────── */
var styles = getComputedStyle( container );
var colorAxis = styles.getPropertyValue( '--wix-text-muted' ).trim() || '#54595d';
var colorLine = styles.getPropertyValue( '--wix-border' ).trim() || '#c8ccd1';
/* ── State ───────────────────────────────────────────────── */
var selected = 0;
var hitAreas = [];
var W, H;
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
// Canvas
var canvas = wix.el( 'canvas', { style: { cursor: 'pointer' } } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-bs-chart' }, [ canvas ] ) );
// Detail card
var detailTitle = wix.el( 'div', { className: 'wix-wf-detail-title' } );
var detailBody = wix.el( 'div', { className: 'wix-wf-detail-body' } );
var detailCard = wix.el( 'div', { className: 'wix-wf-detail' }, [ detailTitle, detailBody ] );
wrapper.appendChild( detailCard );
/* ── Canvas Helpers ──────────────────────────────────────── */
function resize() {
var dpr = window.devicePixelRatio || 1;
var rect = canvas.getBoundingClientRect();
if ( rect.width === 0 ) {
return;
}
W = rect.width;
H = 400;
canvas.width = W * dpr;
canvas.height = H * dpr;
canvas.getContext( '2d' ).setTransform( dpr, 0, 0, dpr, 0, 0 );
}
/* roundRect polyfill */
function roundRect( ctx2, x, y, w, h, r ) {
if ( ctx2.roundRect ) {
ctx2.beginPath();
ctx2.roundRect( x, y, w, h, r );
return;
}
ctx2.beginPath();
ctx2.moveTo( x + r, y );
ctx2.lineTo( x + w - r, y );
ctx2.arcTo( x + w, y, x + w, y + r, r );
ctx2.lineTo( x + w, y + h - r );
ctx2.arcTo( x + w, y + h, x + w - r, y + h, r );
ctx2.lineTo( x + r, y + h );
ctx2.arcTo( x, y + h, x, y + h - r, r );
ctx2.lineTo( x, y + r );
ctx2.arcTo( x, y, x + r, y, r );
ctx2.closePath();
}
/* Bracket with 1 or 2 line label */
function drawBracket( ctx2, x, y1, y2, label1, label2 ) {
var mid = ( y1 + y2 ) / 2;
ctx2.strokeStyle = colorLine;
ctx2.lineWidth = 1;
ctx2.beginPath();
ctx2.moveTo( x, y1 );
ctx2.lineTo( x + 6, y1 );
ctx2.lineTo( x + 6, y2 );
ctx2.lineTo( x, y2 );
ctx2.stroke();
ctx2.fillStyle = colorAxis;
ctx2.font = '400 11px system-ui, sans-serif';
ctx2.textAlign = 'left';
ctx2.textBaseline = 'middle';
if ( label2 ) {
ctx2.fillText( label1, x + 12, mid - 7 );
ctx2.fillText( label2, x + 12, mid + 7 );
} else {
ctx2.fillText( label1, x + 12, mid );
}
}
/* ── Draw ────────────────────────────────────────────────── */
function draw() {
var ctx2 = canvas.getContext( '2d' );
ctx2.clearRect( 0, 0, W, H );
hitAreas = [];
var padTop = 30;
var padBot = 10;
var bracketZone = 150;
var colGap = 12;
var colW = Math.min( 180, ( W - bracketZone - colGap ) / 2 );
var chartH = H - padTop - padBot;
var totalW = colW * 2 + colGap + bracketZone;
var padL = Math.max( 10, ( W - totalW ) / 2 );
var xA = padL;
var xL = padL + colW + colGap;
// Column headers
ctx2.font = '400 13px system-ui, sans-serif';
ctx2.textAlign = 'center';
ctx2.fillStyle = colorAxis;
ctx2.fillText( 'Assets', xA + colW / 2, padTop - 10 );
ctx2.fillText( 'Liabilities', xL + colW / 2, padTop - 10 );
// ── Assets column (single block) ──
var aBlock = blocks[ 0 ];
var isSA = selected === 0;
ctx2.fillStyle = isSA ? aBlock.hColor : aBlock.color;
roundRect( ctx2, xA, padTop, colW, chartH, 4 );
ctx2.fill();
ctx2.fillStyle = aBlock.textColor;
ctx2.font = '500 15px system-ui, sans-serif';
ctx2.textAlign = 'center';
ctx2.textBaseline = 'middle';
ctx2.fillText( aBlock.label, xA + colW / 2, padTop + chartH / 2 - 14 );
ctx2.fillStyle = aBlock.subColor;
ctx2.font = '400 12px system-ui, sans-serif';
ctx2.fillText( aBlock.sub, xA + colW / 2, padTop + chartH / 2 + 4 );
ctx2.fillText( '\u20AC' + aBlock.val + 'm', xA + colW / 2, padTop + chartH / 2 + 22 );
hitAreas.push( { x: xA, y: padTop, w: colW, h: chartH, idx: 0 } );
// ── Liabilities column (stacked segments) ──
var liab = blocks.slice( 1 );
var segGap = 3;
var totalGap = ( liab.length - 1 ) * segGap;
var availH = chartH - totalGap;
var y = padTop;
var yPositions = [];
var i, b, bH, isSel, midY;
for ( i = 0; i < liab.length; i++ ) {
b = liab[ i ];
bH = ( b.val / TOTAL ) * availH;
isSel = selected === i + 1;
ctx2.fillStyle = isSel ? b.hColor : b.color;
roundRect( ctx2, xL, y, colW, bH, 4 );
ctx2.fill();
midY = y + bH / 2;
ctx2.textAlign = 'center';
ctx2.textBaseline = 'middle';
if ( bH > 60 ) {
ctx2.fillStyle = b.textColor;
ctx2.font = '500 14px system-ui, sans-serif';
ctx2.fillText( b.label, xL + colW / 2, midY - 10 );
ctx2.fillStyle = b.subColor;
ctx2.font = '400 11px system-ui, sans-serif';
ctx2.fillText( b.sub, xL + colW / 2, midY + 6 );
ctx2.fillText( '\u20AC' + b.val + 'm', xL + colW / 2, midY + 22 );
} else if ( bH > 35 ) {
ctx2.fillStyle = b.textColor;
ctx2.font = '500 14px system-ui, sans-serif';
ctx2.fillText( b.label, xL + colW / 2, midY - 6 );
ctx2.fillStyle = b.subColor;
ctx2.font = '400 11px system-ui, sans-serif';
ctx2.fillText( '\u20AC' + b.val + 'm', xL + colW / 2, midY + 10 );
} else {
ctx2.fillStyle = b.textColor;
ctx2.font = '500 14px system-ui, sans-serif';
ctx2.fillText( b.label + ' \u20AC' + b.val + 'm', xL + colW / 2, midY );
}
hitAreas.push( { x: xL, y: y, w: colW, h: bH, idx: i + 1 } );
yPositions.push( { top: y, bot: y + bH } );
y += bH + segGap;
}
// ── Brackets ──
var bx1 = xL + colW + 10;
if ( yPositions.length >= 1 ) {
drawBracket( ctx2, bx1, yPositions[ 0 ].top + 2, yPositions[ 0 ].bot - 2, 'Firm\u2019s funds' );
}
if ( yPositions.length >= 4 ) {
drawBracket( ctx2, bx1, yPositions[ 1 ].top + 2, yPositions[ 3 ].bot - 2, 'Technical', 'provisions' );
var bx2 = bx1 + 72;
drawBracket( ctx2, bx2, yPositions[ 2 ].top + 2, yPositions[ 3 ].bot - 2, 'Fulfilment', 'cash flows' );
}
}
/* ── Detail Card ─────────────────────────────────────────── */
function renderDetail() {
var b = blocks[ selected ];
detailTitle.textContent = b.question;
detailTitle.style.color = b.textColor;
detailBody.textContent = b.body;
}
/* ── Hit Testing ─────────────────────────────────────────── */
function hitTest( e ) {
var rect = canvas.getBoundingClientRect();
var mx = e.clientX - rect.left;
var my = e.clientY - rect.top;
for ( var i = hitAreas.length - 1; i >= 0; i-- ) {
var a = hitAreas[ i ];
if ( mx >= a.x && mx <= a.x + a.w && my >= a.y && my <= a.y + a.h ) {
return a.idx;
}
}
return -1;
}
/* ── Event Wiring ────────────────────────────────────────── */
canvas.addEventListener( 'mousemove', function ( e ) {
canvas.style.cursor = hitTest( e ) >= 0 ? 'pointer' : 'default';
} );
canvas.addEventListener( 'click', function ( e ) {
var h = hitTest( e );
if ( h >= 0 ) {
selected = h;
draw();
renderDetail();
}
} );
window.addEventListener( 'resize', function () {
resize();
draw();
} );
// Initial render
resize();
draw();
renderDetail();
}
/* ================================================================
RISK ADJUSTMENT — data-wix-module="risk-adjustment"
Brittany storm: lognormal claim distribution with interactive
confidence slider. Shows best estimate, percentile threshold,
and the risk adjustment gap on a PDF chart.
================================================================ */
function initRiskAdjustment( container ) {
/* ── Constants ────────────────────────────────────────────── */
var MU = 1.7118;
var SIG = 0.40;
var MEAN = 6.0;
var XMIN = 1, XMAX = 18, STEPS = 400;
/* ── Math helpers ────────────────────────────────────────── */
function lognormPDF( x ) {
if ( x <= 0 ) return 0;
var lx = Math.log( x );
return Math.exp( -0.5 * Math.pow( ( lx - MU ) / SIG, 2 ) ) /
( x * SIG * Math.sqrt( 2 * Math.PI ) );
}
function ratApprox( t ) {
var c = [ 2.515517, 0.802853, 0.010328 ];
var d = [ 1.432788, 0.189269, 0.001308 ];
return t - ( c[0] + c[1]*t + c[2]*t*t ) /
( 1 + d[0]*t + d[1]*t*t + d[2]*t*t*t );
}
function normInv( p ) {
if ( p <= 0 ) return -Infinity;
if ( p >= 1 ) return Infinity;
if ( p < 0.5 ) return -ratApprox( Math.sqrt( -2 * Math.log( p ) ) );
if ( p > 0.5 ) return ratApprox( Math.sqrt( -2 * Math.log( 1 - p ) ) );
return 0;
}
function lognormCDFInv( p ) {
return Math.exp( MU + SIG * normInv( p ) );
}
/* ── Chart colors (from WIX tokens) ──────────────────────── */
var styles = getComputedStyle( container );
var colorAccent = styles.getPropertyValue( '--wix-accent' ).trim() || '#1a5276';
var colorWarn = styles.getPropertyValue( '--wix-wrong' ).trim() || '#922b21';
var colorGrid = styles.getPropertyValue( '--wix-border-subtle' ).trim() || '#eaecf0';
var colorAxis = styles.getPropertyValue( '--wix-text-muted' ).trim() || '#54595d';
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var slider = wix.el( 'input', { type: 'range', min: '50', max: '95', value: '75', step: '1' } );
var sliderVal = wix.el( 'span', { className: 'wix-ra-slider-val', textContent: '75%' } );
var elBE = wix.el( 'div', { className: 'wix-ra-stat-val', textContent: '\u20AC6.0m' } );
var elPct = wix.el( 'div', { className: 'wix-ra-stat-val', textContent: '\u20AC7.2m' } );
var elRA = wix.el( 'div', { className: 'wix-ra-stat-val wix-ra-stat-val--accent', textContent: '\u20AC1.2m' } );
var canvas = wix.el( 'canvas' );
var explain = wix.el( 'p', { className: 'wix-ra-explain' } );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
/* Slider row */
wrapper.appendChild( wix.el( 'div', { className: 'wix-ra-slider-row' }, [
wix.el( 'span', { className: 'wix-ra-slider-label', textContent: 'Confidence level' } ),
slider,
sliderVal
] ) );
/* Stats row */
wrapper.appendChild( wix.el( 'div', { className: 'wix-ra-stats' }, [
wix.el( 'div', { className: 'wix-ra-stat' }, [
wix.el( 'div', { className: 'wix-ra-stat-label', textContent: 'Best estimate' } ),
elBE
] ),
wix.el( 'div', { className: 'wix-ra-stat' }, [
wix.el( 'div', { className: 'wix-ra-stat-label', textContent: 'Covered up to' } ),
elPct
] ),
wix.el( 'div', { className: 'wix-ra-stat' }, [
wix.el( 'div', { className: 'wix-ra-stat-label', textContent: 'Risk adjustment' } ),
elRA
] )
] ) );
/* Chart */
wrapper.appendChild( wix.el( 'div', { className: 'wix-ra-chart' }, [ canvas ] ) );
/* Legend */
function swatch( color ) {
return wix.el( 'span', { className: 'wix-ra-legend-swatch', style: { background: color } } );
}
wrapper.appendChild( wix.el( 'div', { className: 'wix-ra-legend' }, [
wix.el( 'span', { className: 'wix-ra-legend-item' }, [
swatch( colorAccent + '40' ), 'Claim distribution'
] ),
wix.el( 'span', { className: 'wix-ra-legend-item' }, [
swatch( colorAccent ), 'Best estimate (mean)'
] ),
wix.el( 'span', { className: 'wix-ra-legend-item' }, [
swatch( colorWarn ), 'Confidence threshold'
] )
] ) );
/* Explanation */
wrapper.appendChild( explain );
/* ── Drawing ─────────────────────────────────────────────── */
function draw() {
var ctx = canvas.getContext( '2d' );
var dpr = window.devicePixelRatio || 1;
var rect = canvas.getBoundingClientRect();
if ( rect.width === 0 || rect.height === 0 ) return;
canvas.width = rect.width * dpr;
canvas.height = rect.height * dpr;
ctx.scale( dpr, dpr );
var W = rect.width, H = rect.height;
var pad = { t: 16, r: 16, b: 36, l: 44 };
var cw = W - pad.l - pad.r;
var ch = H - pad.t - pad.b;
ctx.clearRect( 0, 0, W, H );
/* Compute PDF curve */
var xs = [], ys = [], ymax = 0;
for ( var i = 0; i <= STEPS; i++ ) {
var x = XMIN + ( XMAX - XMIN ) * i / STEPS;
var y = lognormPDF( x );
xs.push( x ); ys.push( y );
if ( y > ymax ) ymax = y;
}
ymax *= 1.1;
function tx( x ) { return pad.l + ( x - XMIN ) / ( XMAX - XMIN ) * cw; }
function ty( y ) { return pad.t + ch - ( y / ymax ) * ch; }
var conf = parseInt( slider.value, 10 );
var pctX = lognormCDFInv( conf / 100 );
/* Axes */
ctx.strokeStyle = colorGrid;
ctx.lineWidth = 0.5;
ctx.beginPath(); ctx.moveTo( pad.l, pad.t + ch ); ctx.lineTo( pad.l + cw, pad.t + ch ); ctx.stroke();
ctx.beginPath(); ctx.moveTo( pad.l, pad.t ); ctx.lineTo( pad.l, pad.t + ch ); ctx.stroke();
/* X-axis labels */
ctx.font = '11px sans-serif';
ctx.fillStyle = colorAxis;
ctx.textAlign = 'center';
for ( var v = 2; v <= 16; v += 2 ) {
var xp = tx( v );
ctx.fillText( '\u20AC' + v + 'm', xp, pad.t + ch + 20 );
ctx.strokeStyle = colorGrid;
ctx.beginPath(); ctx.moveTo( xp, pad.t + ch ); ctx.lineTo( xp, pad.t + ch + 4 ); ctx.stroke();
}
/* Shaded area under curve up to percentile */
ctx.beginPath();
ctx.moveTo( tx( xs[0] ), ty( 0 ) );
for ( i = 0; i <= STEPS; i++ ) {
if ( xs[i] <= pctX ) ctx.lineTo( tx( xs[i] ), ty( ys[i] ) );
}
var clipIdx = -1;
for ( i = 0; i < xs.length; i++ ) {
if ( xs[i] > pctX ) { clipIdx = i; break; }
}
if ( clipIdx > 0 ) {
var frac = ( pctX - xs[clipIdx-1] ) / ( xs[clipIdx] - xs[clipIdx-1] );
var yClip = ys[clipIdx-1] + frac * ( ys[clipIdx] - ys[clipIdx-1] );
ctx.lineTo( tx( pctX ), ty( yClip ) );
}
ctx.lineTo( tx( pctX ), ty( 0 ) );
ctx.closePath();
ctx.fillStyle = colorAccent + '30';
ctx.fill();
/* Full PDF curve */
ctx.beginPath();
ctx.moveTo( tx( xs[0] ), ty( ys[0] ) );
for ( i = 1; i <= STEPS; i++ ) ctx.lineTo( tx( xs[i] ), ty( ys[i] ) );
ctx.strokeStyle = colorAccent;
ctx.lineWidth = 2;
ctx.stroke();
/* Best-estimate (mean) dashed line */
ctx.setLineDash( [ 5, 4 ] );
ctx.lineWidth = 1.5;
ctx.strokeStyle = colorAccent;
ctx.beginPath();
ctx.moveTo( tx( MEAN ), ty( 0 ) );
ctx.lineTo( tx( MEAN ), ty( lognormPDF( MEAN ) ) );
ctx.stroke();
/* Percentile dashed line */
ctx.strokeStyle = colorWarn;
ctx.beginPath();
ctx.moveTo( tx( pctX ), ty( 0 ) );
ctx.lineTo( tx( pctX ), ty( lognormPDF( pctX ) ) );
ctx.stroke();
ctx.setLineDash( [] );
/* Risk-adjustment bracket */
var raStart = tx( MEAN ), raEnd = tx( pctX );
var arrowY = ty( 0 ) - 18;
if ( raEnd - raStart > 20 ) {
ctx.strokeStyle = colorWarn;
ctx.lineWidth = 1.5;
ctx.beginPath(); ctx.moveTo( raStart, arrowY ); ctx.lineTo( raEnd, arrowY ); ctx.stroke();
ctx.beginPath(); ctx.moveTo( raStart, arrowY - 4 ); ctx.lineTo( raStart, arrowY + 4 ); ctx.stroke();
ctx.beginPath(); ctx.moveTo( raEnd, arrowY - 4 ); ctx.lineTo( raEnd, arrowY + 4 ); ctx.stroke();
ctx.fillStyle = colorWarn;
ctx.font = '500 12px sans-serif';
ctx.textAlign = 'center';
ctx.fillText( 'RA: \u20AC' + ( pctX - MEAN ).toFixed( 1 ) + 'm',
( raStart + raEnd ) / 2, arrowY - 6 );
}
/* Update stat cards */
var ra = pctX - MEAN;
sliderVal.textContent = conf + '%';
elPct.textContent = '\u20AC' + pctX.toFixed( 1 ) + 'm';
elRA.textContent = '\u20AC' + ra.toFixed( 1 ) + 'm';
/* Update explanation */
explain.textContent = conf === 50
? 'At the 50% level the threshold equals the best estimate, so the risk adjustment is zero \u2014 the insurer holds no buffer for uncertainty at all.'
: 'At the ' + conf + '% confidence level, the insurer holds enough to cover outcomes up to \u20AC' + pctX.toFixed( 1 ) + 'm. The risk adjustment of \u20AC' + ra.toFixed( 1 ) + 'm is the gap between that threshold and the \u20AC6.0m best estimate \u2014 the price AXA pays for bearing the uncertainty on 3,000 Brittany homes.';
}
/* ── Events ──────────────────────────────────────────────── */
slider.addEventListener( 'input', draw );
window.addEventListener( 'resize', draw );
draw();
}
/* ================================================================
GROUPING FUNNEL — data-wix-module="grouping-funnel"
3-step walkthrough: portfolio → profitability → annual cohort.
================================================================ */
function initGroupingFunnel( container ) {
/* ── Step data ───────────────────────────────────────────── */
var labels = [
'<b>Step 1 \u2014 Portfolio:</b> group contracts with similar risks managed together',
'<b>Step 2 \u2014 Profitability:</b> separate onerous from profitable at initial recognition',
'<b>Step 3 \u2014 Annual cohort:</b> contracts issued more than 12\u00A0months apart cannot mix'
];
var counts = [
'AXA writes <b>5,000</b> home insurance contracts in coastal Brittany \u2014 plus a separate motor book in Spain',
'<b>3 groups</b> within the Brittany portfolio based on expected profitability',
'<b>6 measurement groups</b> \u2014 each profitability bucket split into 2025 and 2026 cohorts'
];
/* ── State ───────────────────────────────────────────────── */
var step = 0;
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
/* Progress steps */
var stepEls = [];
for ( var i = 0; i < 3; i++ ) {
stepEls.push( wix.el( 'div', { className: 'wix-gf-step' } ) );
}
wrapper.appendChild( wix.el( 'div', { className: 'wix-gf-steps' }, stepEls ) );
/* Label */
var labelEl = wix.el( 'p', { className: 'wix-gf-label' } );
wrapper.appendChild( labelEl );
/* Visual area */
var visualEl = wix.el( 'div', { className: 'wix-gf-visual' } );
wrapper.appendChild( visualEl );
/* Count box */
var countEl = wix.el( 'div', { className: 'wix-gf-count' } );
wrapper.appendChild( countEl );
/* Nav buttons */
var btnPrev = wix.el( 'button', { className: 'wix-btn wix-btn--outline', innerHTML: '\u25C2 Previous' } );
var btnNext = wix.el( 'button', { className: 'wix-btn', innerHTML: 'Next \u25B8' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-gf-nav' }, [ btnPrev, btnNext ] ) );
/* ── Helpers ─────────────────────────────────────────────── */
function makeSeg( flex, bg, text, textColor, extra ) {
var s = wix.el( 'div', { className: 'wix-gf-seg' } );
s.style.flex = flex;
s.style.background = bg;
s.style.color = textColor;
s.textContent = text;
if ( extra ) {
Object.keys( extra ).forEach( function ( k ) { s.style[k] = extra[k]; } );
}
return s;
}
function makeBarRow( label, segments, groupLabel ) {
var bar = wix.el( 'div', { className: 'wix-gf-bar' }, segments );
var children = [
wix.el( 'p', { className: 'wix-gf-bar-label', textContent: label } ),
bar
];
if ( groupLabel ) {
children.push( wix.el( 'p', { className: 'wix-gf-group-label', textContent: groupLabel } ) );
}
return wix.el( 'div', { className: 'wix-gf-bar-row' }, children );
}
/* ── Render ──────────────────────────────────────────────── */
function render() {
/* Progress dots */
for ( var i = 0; i < 3; i++ ) {
stepEls[i].className = 'wix-gf-step' + ( i <= step ? ' wix-gf-step--done' : '' );
}
/* Label + count */
labelEl.innerHTML = labels[step];
countEl.innerHTML = counts[step];
/* Nav state */
btnPrev.disabled = step === 0;
btnNext.disabled = step === 2;
/* Visual */
wix.empty( visualEl );
if ( step === 0 ) {
visualEl.appendChild( makeBarRow(
'Home insurance \u2014 Brittany, France',
[ makeSeg( 5000, '#EEEDFE', '5,000 contracts', '#3C3489' ) ],
'Portfolio 1 \u2014 same weather risks, same underwriting team'
) );
visualEl.appendChild( wix.el( 'div', { style: { height: '8px' } } ) );
visualEl.appendChild( makeBarRow(
'Motor third-party liability \u2014 Spain',
[ makeSeg( 3000, '#F1EFE8', '3,000 contracts', '#5F5E5A' ) ],
'Portfolio 2 \u2014 different risk drivers, different team'
) );
}
if ( step === 1 ) {
visualEl.appendChild( makeBarRow(
'Home insurance \u2014 Brittany, France',
[
makeSeg( 4200, '#E1F5EE', '4,200 profitable', '#085041' ),
makeSeg( 500, '#FAEEDA', '500 borderline', '#633806' ),
makeSeg( 300, '#FCEBEB', '300 onerous', '#791F1F' )
],
null
) );
/* Annotation row */
var annotData = [
{ flex: 4200, text: 'CSM stores profit', color: '#0F6E56' },
{ flex: 500, text: 'Monitor', color: '#854F0B' },
{ flex: 300, text: 'Loss recognised', color: '#A32D2D' }
];
var annotChildren = [];
annotData.forEach( function ( a ) {
var item = wix.el( 'div', {
className: 'wix-gf-annot-item',
textContent: a.text
} );
item.style.flex = a.flex;
item.style.color = a.color;
return annotChildren.push( item );
} );
visualEl.appendChild( wix.el( 'div', { className: 'wix-gf-annot' }, annotChildren ) );
visualEl.appendChild( wix.el( 'div', { style: { height: '12px' } } ) );
visualEl.appendChild( makeBarRow(
'Motor third-party liability \u2014 Spain',
[ makeSeg( 3000, '#F1EFE8', 'Separate portfolio \u2014 own profitability split', '#5F5E5A' ) ],
null
) );
}
if ( step === 2 ) {
visualEl.appendChild( wix.el( 'p', { className: 'wix-gf-bar-label', textContent: 'Home insurance \u2014 Brittany, France' } ) );
var rows = [
{ n: 4200, label: 'Profitable', bg: '#E1F5EE', tc: '#085041', sub: '#0F6E56' },
{ n: 500, label: 'Borderline', bg: '#FAEEDA', tc: '#633806', sub: '#854F0B' },
{ n: 300, label: 'Onerous', bg: '#FCEBEB', tc: '#791F1F', sub: '#A32D2D' }
];
var maxN = 4200;
rows.forEach( function ( r ) {
var a = Math.round( r.n * 0.55 );
var b = r.n - a;
var cohortBar = wix.el( 'div', { className: 'wix-gf-cohort-bar' } );
cohortBar.style.maxWidth = Math.round( r.n / maxN * 100 ) + '%';
cohortBar.appendChild( makeSeg( a, r.bg, a.toLocaleString() + ' (2025)', r.tc,
{ height: '36px', border: '0.5px solid ' + r.sub } ) );
cohortBar.appendChild( makeSeg( b, r.bg, b.toLocaleString() + ' (2026)', r.tc,
{ height: '36px', opacity: '0.6', border: '0.5px solid ' + r.sub } ) );
visualEl.appendChild( wix.el( 'div', { className: 'wix-gf-cohort-row' }, [
wix.el( 'span', { className: 'wix-gf-cohort-label', textContent: r.label } ),
cohortBar
] ) );
} );
}
}
/* ── Events ──────────────────────────────────────────────── */
btnPrev.addEventListener( 'click', function () {
if ( step > 0 ) { step--; render(); }
} );
btnNext.addEventListener( 'click', function () {
if ( step < 2 ) { step++; render(); }
} );
render();
}
/* ================================================================
CSM ROLLFORWARD — data-wix-module="csm-rollforward"
Horizontal waterfall chart: FY24 opening balance through six
movement items to FY25 closing balance. Sliders let the user
adjust each component; click any bar for an explanation.
================================================================ */
function initCsmRollforward( container ) {
/* ── Item definitions ────────────────────────────────────── */
var ITEMS = [
{ key: 'nb', label: 'New business CSM', val: 2199, min: 0, max: 5000, step: 50, color: '#1D9E75',
explain: 'The CSM recognised at inception of new insurance contracts written during the year. It represents the present value of future unearned profit that the insurer expects to earn from these new policies. A higher figure signals strong commercial momentum.' },
{ key: 'roi', label: 'Return on inforce', val: 1328, min: 0, max: 3000, step: 50, color: '#378ADD',
explain: 'Sometimes called the "unwind of discount rate", this is the interest accretion on the opening CSM balance. Because future cash flows were discounted at inception, the passage of time increases their present value. Think of it as the CSM earning a return simply by getting one year closer to settlement.' },
{ key: 'rel', label: 'CSM release', val: -2954, min: -5000, max: 0, step: 50, color: '#D85A30',
explain: 'The portion of CSM released to the income statement as profit in the period. Under IFRS 17, profit is recognised as services are delivered to policyholders \u2014 so this is the primary mechanism that turns the CSM balance into reported earnings. It is always negative in the rollforward because it reduces the remaining stock of unearned profit.' },
{ key: 'eco', label: 'Economic variance', val: 594, min: -2000, max: 2000, step: 50, color: '#534AB7',
explain: 'Changes in the CSM caused by movements in financial assumptions \u2014 interest rates, equity markets, credit spreads, and foreign exchange. Under the Variable Fee Approach (VFA), changes in the insurer\u2019s share of underlying asset returns adjust the CSM rather than hitting P&L directly. Positive values mean financial conditions improved for the insurer.' },
{ key: 'opv', label: 'Operating variance', val: -316, min: -2000, max: 2000, step: 50, color: '#D4537E',
explain: 'Changes in the CSM driven by updates to non-financial (operating) assumptions \u2014 mortality, morbidity, lapse rates, and expenses. When actual experience or updated projections differ from what was assumed at inception, the CSM absorbs the difference. Negative means experience or updated assumptions were worse than expected.' },
{ key: 'oth', label: 'Other', val: -1451, min: -3000, max: 1000, step: 50, color: '#888780',
explain: 'A catch-all for items such as foreign exchange translation effects on non-euro subsidiaries, scope changes (acquisitions or disposals of portfolios), model or methodology changes, and any other adjustments that don\u2019t fit neatly into the categories above.' }
];
var FY24 = 33853;
var TOTAL_COLOR = '#3266ad';
var TOTALS_EXPLAIN = 'The opening (FY24) and closing (FY25) CSM balance represents the total stock of unearned profit the insurer expects to recognise in future periods. The rollforward reconciles how the balance moved from one year-end to the next through the components shown above.';
/* ── Live values ─────────────────────────────────────────── */
var vals = {};
ITEMS.forEach( function ( it ) { vals[it.key] = it.val; } );
/* ── Formatting ──────────────────────────────────────────── */
function fmt( v ) {
return ( v < 0 ? '-' : '' ) + '\u20AC' + Math.abs( Math.round( v ) ).toLocaleString() + 'm';
}
/* ── Chart colors (grid / axis) ──────────────────────────── */
var styles = getComputedStyle( container );
var colorGrid = styles.getPropertyValue( '--wix-border-subtle' ).trim() || '#eaecf0';
var colorAxis = styles.getPropertyValue( '--wix-text-muted' ).trim() || '#54595d';
var colorText = styles.getPropertyValue( '--wix-text' ).trim() || '#202122';
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
/* Title */
wrapper.appendChild( wix.el( 'div', { className: 'wix-sim-title', textContent: 'AXA CSM rollforward FY24\u201325 (\u20AC\u00A0million)' } ) );
/* Slider grid */
var sliderGrid = wix.el( 'div', { className: 'wix-csm-sliders' } );
var sliderRefs = {};
var valRefs = {};
ITEMS.forEach( function ( it ) {
var sl = wix.el( 'input', { type: 'range', min: String( it.min ), max: String( it.max ),
step: String( it.step ), value: String( it.val ) } );
var vl = wix.el( 'span', { className: 'wix-csm-slider-val', textContent: it.val.toLocaleString() } );
sliderRefs[it.key] = sl;
valRefs[it.key] = vl;
sliderGrid.appendChild( wix.el( 'div', { className: 'wix-csm-slider-group' }, [
wix.el( 'label', { textContent: it.label } ),
wix.el( 'div', { className: 'wix-csm-slider-row' }, [ sl, vl ] )
] ) );
} );
wrapper.appendChild( sliderGrid );
/* Chart */
var canvas = wix.el( 'canvas' );
var chartWrap = wix.el( 'div', { className: 'wix-csm-chart' }, [ canvas ] );
wrapper.appendChild( chartWrap );
/* Explainer */
var exDot = wix.el( 'span', { className: 'wix-csm-ex-dot' } );
var exTitle = wix.el( 'span', { className: 'wix-csm-ex-title' } );
var exVal = wix.el( 'span', { className: 'wix-csm-ex-val' } );
var exBody = wix.el( 'p', { className: 'wix-csm-ex-body' } );
var explainer = wix.el( 'div', { className: 'wix-csm-explainer wix-csm-explainer--hidden' }, [
wix.el( 'div', { className: 'wix-csm-ex-head' }, [ exDot, exTitle, exVal ] ),
exBody
] );
wrapper.appendChild( explainer );
/* Hint */
var hint = wix.el( 'p', { className: 'wix-csm-hint', textContent: 'Click any bar for an explanation of that component.' } );
wrapper.appendChild( hint );
/* ── Waterfall data ──────────────────────────────────────── */
function getRows() {
var rows = [];
rows.push( { label: 'FY24', val: FY24, color: TOTAL_COLOR, isTotal: true } );
var running = FY24;
ITEMS.forEach( function ( it ) {
var v = vals[it.key];
rows.push( { label: it.label, val: v, color: it.color, base: v >= 0 ? running : running + v } );
running += v;
} );
rows.push( { label: 'FY25', val: running, color: TOTAL_COLOR, isTotal: true } );
return rows;
}
/* ── Hit regions for click ───────────────────────────────── */
var hitBoxes = [];
/* ── Drawing ─────────────────────────────────────────────── */
function draw() {
var rows = getRows();
var numBars = rows.length;
var dpr = window.devicePixelRatio || 1;
var rect = chartWrap.getBoundingClientRect();
var W = rect.width;
if ( W === 0 ) return;
var BAR_H = 38;
var GAP = 10;
var totalH = numBars * ( BAR_H + GAP ) + 40;
chartWrap.style.height = totalH + 'px';
canvas.width = W * dpr;
canvas.height = totalH * dpr;
var ctx = canvas.getContext( '2d' );
ctx.scale( dpr, dpr );
ctx.clearRect( 0, 0, W, totalH );
/* Compute axis range */
var allVals = rows.map( function ( r ) {
if ( r.isTotal ) return r.val;
return r.base;
} );
allVals = allVals.concat( rows.map( function ( r ) {
if ( r.isTotal ) return r.val;
return r.base + Math.abs( r.val );
} ) );
var dataMax = Math.max.apply( null, allVals ) * 1.12;
var dataMin = 0;
var padL = 130, padR = 16, padT = 6, padB = 30;
var cw = W - padL - padR;
function tx( v ) { return padL + ( v - dataMin ) / ( dataMax - dataMin ) * cw; }
/* Grid lines */
ctx.font = '11px sans-serif';
ctx.textAlign = 'center';
var step = 5000;
if ( dataMax > 50000 ) step = 10000;
if ( dataMax < 15000 ) step = 2000;
for ( var g = 0; g <= dataMax; g += step ) {
var gx = tx( g );
ctx.strokeStyle = colorGrid;
ctx.lineWidth = 0.5;
ctx.beginPath(); ctx.moveTo( gx, padT ); ctx.lineTo( gx, totalH - padB ); ctx.stroke();
ctx.fillStyle = colorAxis;
ctx.fillText( fmt( g ), gx, totalH - padB + 16 );
}
/* Bars */
hitBoxes = [];
rows.forEach( function ( r, i ) {
var y = padT + i * ( BAR_H + GAP );
var barBase = r.isTotal ? 0 : r.base;
var barVal = r.isTotal ? r.val : Math.abs( r.val );
var x0 = tx( barBase );
var x1 = tx( barBase + barVal );
var bw = Math.max( x1 - x0, 2 );
/* Row label */
ctx.fillStyle = colorText;
ctx.font = '12px sans-serif';
ctx.textAlign = 'right';
ctx.textBaseline = 'middle';
ctx.fillText( r.label, padL - 10, y + BAR_H / 2 );
/* Bar */
ctx.fillStyle = r.color;
ctx.beginPath();
ctx.roundRect( x0, y, bw, BAR_H, 3 );
ctx.fill();
/* Value label on bar */
var valText = fmt( r.isTotal ? r.val : r.val );
ctx.fillStyle = '#fff';
ctx.font = '500 11px sans-serif';
ctx.textAlign = 'center';
ctx.textBaseline = 'middle';
if ( bw > 60 ) {
ctx.fillText( valText, x0 + bw / 2, y + BAR_H / 2 );
} else {
ctx.fillStyle = r.color;
ctx.textAlign = 'left';
ctx.fillText( valText, x0 + bw + 4, y + BAR_H / 2 );
}
/* Connector line to next row */
if ( !r.isTotal && i < rows.length - 1 ) {
var endX = tx( barBase + ( r.val >= 0 ? Math.abs( r.val ) : 0 ) );
ctx.strokeStyle = colorGrid;
ctx.lineWidth = 1;
ctx.setLineDash( [ 3, 3 ] );
ctx.beginPath();
ctx.moveTo( endX, y + BAR_H );
ctx.lineTo( endX, y + BAR_H + GAP );
ctx.stroke();
ctx.setLineDash( [] );
}
/* Hit box */
hitBoxes.push( { x: x0, y: y, w: bw, h: BAR_H, idx: i } );
} );
}
/* ── Click → explainer ───────────────────────────────────── */
canvas.addEventListener( 'click', function ( e ) {
var rect = canvas.getBoundingClientRect();
var dpr = window.devicePixelRatio || 1;
var mx = ( e.clientX - rect.left );
var my = ( e.clientY - rect.top );
for ( var i = 0; i < hitBoxes.length; i++ ) {
var b = hitBoxes[i];
if ( mx >= b.x && mx <= b.x + b.w && my >= b.y && my <= b.y + b.h ) {
var idx = b.idx;
if ( idx === 0 || idx === ITEMS.length + 1 ) {
exDot.style.background = TOTAL_COLOR;
exTitle.textContent = idx === 0 ? 'FY24 opening balance' : 'FY25 closing balance';
exVal.textContent = idx === 0 ? fmt( FY24 ) : fmt( getRows()[ITEMS.length + 1].val );
exBody.textContent = TOTALS_EXPLAIN;
} else {
var item = ITEMS[idx - 1];
exDot.style.background = item.color;
exTitle.textContent = item.label;
exVal.textContent = fmt( vals[item.key] );
exBody.textContent = item.explain;
}
explainer.className = 'wix-csm-explainer';
hint.style.display = 'none';
return;
}
}
} );
/* ── Slider events ───────────────────────────────────────── */
ITEMS.forEach( function ( it ) {
sliderRefs[it.key].addEventListener( 'input', function () {
vals[it.key] = Number( sliderRefs[it.key].value );
valRefs[it.key].textContent = vals[it.key].toLocaleString();
draw();
} );
} );
/* ── Resize ──────────────────────────────────────────────── */
window.addEventListener( 'resize', draw );
draw();
}
/* ================================================================
BUILDING BLOCKS — data-wix-module="building-blocks"
Stacked-bar visualisation of IFRS 17 initial recognition.
Two sliders control outflows and risk adjustment; the chart
shows inflows vs outflows+RA+CSM and flips between profitable
and onerous states with a day-one loss bar.
================================================================ */
function initBuildingBlocks( container ) {
/* ── Constants ────────────────────────────────────────────── */
var INFLOWS = 3000000;
var MAX_BAR = 260;
var C_INFLOW = '#2b6cb0';
var C_OUTFLOW = '#c05621';
var C_RA = '#9b59b6';
var C_CSM = '#27ae60';
var C_LOSS = '#e74c3c';
/* ── Formatting ──────────────────────────────────────────── */
function fmt( v ) {
return '\u20AC' + Math.round( v ).toLocaleString();
}
function fmtShort( v ) {
if ( Math.abs( v ) >= 1000000 ) return '\u20AC' + ( v / 1000000 ).toFixed( 2 ) + 'M';
if ( Math.abs( v ) >= 1000 ) return '\u20AC' + ( v / 1000 ).toFixed( 0 ) + 'K';
return '\u20AC' + v;
}
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
/* Title */
wrapper.appendChild( wix.el( 'div', { className: 'wix-sim-title', textContent: 'Building Block Stacker' } ) );
/* Status banner */
var bannerIcon = wix.el( 'span' );
var bannerText = wix.el( 'span' );
var banner = wix.el( 'div', { className: 'wix-bb-banner wix-bb-banner--profit' }, [
bannerIcon, bannerText
] );
wrapper.appendChild( banner );
/* Chart area */
function makeSeg( color ) {
var valEl = wix.el( 'span', { className: 'wix-bb-seg-val' } );
var seg = wix.el( 'div', { className: 'wix-bb-seg', style: { background: color, height: '0px' } }, [ valEl ] );
return { seg: seg, valEl: valEl };
}
function makeGroup( labelHTML, stack, extra ) {
var label = wix.el( 'span', { className: 'wix-bb-bar-label', innerHTML: labelHTML } );
var grp = wix.el( 'div', { className: 'wix-bb-group' }, [ stack, label ] );
if ( extra ) Object.keys( extra ).forEach( function ( k ) { grp.style[k] = extra[k]; } );
return grp;
}
function makeOp( text, extra ) {
var op = wix.el( 'span', { className: 'wix-bb-op', textContent: text } );
if ( extra ) Object.keys( extra ).forEach( function ( k ) { op.style[k] = extra[k]; } );
return op;
}
/* Inflow bar */
var inflow = makeSeg( C_INFLOW );
var stackInflow = wix.el( 'div', { className: 'wix-bb-stack' }, [ inflow.seg ] );
/* Outflow + RA + CSM stacked bar */
var csmSeg = makeSeg( C_CSM );
var raSeg = makeSeg( C_RA );
var outflowSeg = makeSeg( C_OUTFLOW );
var stackRight = wix.el( 'div', { className: 'wix-bb-stack' }, [
csmSeg.seg, raSeg.seg, outflowSeg.seg
] );
/* Result bar */
var resultSeg = makeSeg( C_CSM );
var resultLabel = wix.el( 'span', { className: 'wix-bb-bar-label' } );
var stackResult = wix.el( 'div', { className: 'wix-bb-stack' }, [ resultSeg.seg ] );
/* Loss bar */
var lossSeg = makeSeg( C_LOSS );
var stackLoss = wix.el( 'div', { className: 'wix-bb-stack' }, [ lossSeg.seg ] );
var lossOp = makeOp( '+', { visibility: 'hidden' } );
var lossGroup = makeGroup( 'Day-one<br>loss', stackLoss, { visibility: 'hidden' } );
var chartRow = wix.el( 'div', { className: 'wix-bb-row' }, [
wix.el( 'span', { className: 'wix-bb-zero', textContent: '\u20AC0' } ),
makeGroup( 'Inflows<br>(Premiums)', stackInflow ),
makeOp( 'vs' ),
makeGroup( 'Outflows + RA<br>+ CSM', stackRight ),
makeOp( '=' ),
wix.el( 'div', { className: 'wix-bb-group' }, [ stackResult, resultLabel ] ),
lossOp,
lossGroup
] );
/* Legend */
function legendItem( color, text ) {
return wix.el( 'span', { className: 'wix-bb-legend-item' }, [
wix.el( 'span', { className: 'wix-bb-legend-swatch', style: { background: color } } ),
text
] );
}
var legend = wix.el( 'div', { className: 'wix-bb-legend' }, [
legendItem( C_INFLOW, 'PV of inflows' ),
legendItem( C_OUTFLOW, 'PV of outflows' ),
legendItem( C_RA, 'Risk adjustment' ),
legendItem( C_CSM, 'CSM' ),
legendItem( C_LOSS, 'Loss' )
] );
wrapper.appendChild( wix.el( 'div', { className: 'wix-bb-chart' }, [ chartRow, legend ] ) );
/* Slider controls */
var slOutflow = wix.el( 'input', { type: 'range', min: '1500000', max: '3800000', step: '10000', value: '2600000' } );
var svOutflow = wix.el( 'span', { className: 'wix-bb-slider-val' } );
var slRa = wix.el( 'input', { type: 'range', min: '0', max: '500000', step: '5000', value: '120000' } );
var svRa = wix.el( 'span', { className: 'wix-bb-slider-val' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-bb-controls' }, [
wix.el( 'div', { className: 'wix-bb-controls-title', textContent: 'Adjust the assumptions' } ),
wix.el( 'div', { className: 'wix-bb-slider-row' }, [
wix.el( 'span', { className: 'wix-bb-slider-label' }, [
wix.el( 'span', { className: 'wix-bb-slider-dot', style: { background: C_OUTFLOW } } ),
'PV of outflows'
] ),
slOutflow, svOutflow
] ),
wix.el( 'div', { className: 'wix-bb-slider-row' }, [
wix.el( 'span', { className: 'wix-bb-slider-label' }, [
wix.el( 'span', { className: 'wix-bb-slider-dot', style: { background: C_RA } } ),
'Risk adjustment'
] ),
slRa, svRa
] )
] ) );
/* Reset button */
var btnReset = wix.el( 'button', { className: 'wix-btn wix-btn--outline', textContent: '\u21BA Reset to Belgian example' } );
wrapper.appendChild( wix.el( 'div', { style: { marginBottom: '1.25rem' } }, [ btnReset ] ) );
/* Insight */
var insightEl = wix.el( 'div', { className: 'wix-bb-insight' } );
wrapper.appendChild( insightEl );
/* ── Update logic ────────────────────────────────────────── */
function update() {
var outflow = Number( slOutflow.value );
var ra = Number( slRa.value );
var netFC = outflow - INFLOWS;
var fulfilment = netFC + ra;
var csm = Math.max( 0, -fulfilment );
var loss = Math.max( 0, fulfilment );
var isOnerous = fulfilment > 0;
/* Slider readouts */
svOutflow.textContent = fmt( outflow );
svRa.textContent = fmt( ra );
/* Bar heights */
var leftTotal = INFLOWS;
var rightTotal = outflow + ra + csm;
var maxVal = Math.max( leftTotal, rightTotal, 1 );
inflow.seg.style.height = ( INFLOWS / maxVal * MAX_BAR ) + 'px';
inflow.valEl.textContent = fmtShort( INFLOWS );
outflowSeg.seg.style.height = ( outflow / maxVal * MAX_BAR ) + 'px';
outflowSeg.valEl.textContent = fmtShort( outflow );
raSeg.seg.style.height = ( ra / maxVal * MAX_BAR ) + 'px';
raSeg.valEl.textContent = fmtShort( ra );
var hCsm = ( csm / maxVal * MAX_BAR );
csmSeg.seg.style.height = hCsm + 'px';
csmSeg.valEl.textContent = csm > 0 ? fmtShort( csm ) : '';
csmSeg.seg.style.display = csm > 0 ? 'block' : 'none';
/* Result bar */
resultSeg.seg.style.height = '28px';
resultSeg.valEl.textContent = '\u20AC0';
if ( !isOnerous ) {
resultSeg.seg.style.background = C_CSM;
resultLabel.innerHTML = 'No day-one<br>profit';
} else {
resultSeg.seg.style.background = C_LOSS;
resultLabel.innerHTML = 'CSM<br>= \u20AC0';
}
/* Loss bar */
if ( isOnerous ) {
lossGroup.style.visibility = 'visible';
lossOp.style.visibility = 'visible';
lossSeg.seg.style.height = Math.max( loss / maxVal * MAX_BAR, 18 ) + 'px';
lossSeg.valEl.textContent = fmtShort( loss );
} else {
lossGroup.style.visibility = 'hidden';
lossOp.style.visibility = 'hidden';
lossSeg.seg.style.height = '0px';
}
/* Banner */
if ( !isOnerous ) {
banner.className = 'wix-bb-banner wix-bb-banner--profit';
bannerIcon.textContent = '\u2705';
bannerText.innerHTML = 'Profitable group \u2014 CSM of <strong>' + fmt( csm ) + '</strong> absorbs the expected gain.';
} else {
banner.className = 'wix-bb-banner wix-bb-banner--onerous';
bannerIcon.textContent = '\uD83D\uDEA8';
bannerText.innerHTML = 'Onerous group \u2014 CSM is zero. Day-one loss of <strong>' + fmt( loss ) + '</strong> hits the income statement.';
}
/* Insight */
if ( !isOnerous ) {
insightEl.innerHTML =
'<strong>How it works:</strong> The present value of future cash flows (outflows minus inflows) is <strong>' + fmt( netFC ) + '</strong>. ' +
'Adding the risk adjustment of <strong>' + fmt( ra ) + '</strong> gives fulfilment cash flows of <strong>' + fmt( fulfilment ) + '</strong>. ' +
'Since this is negative (inflows exceed outflows + RA), the group is profitable. ' +
'The <span class="wix-bb-hl-csm">CSM is set to ' + fmt( csm ) + '</span> to absorb this gain, so no profit appears on day one. ' +
'That unearned profit will be released gradually as coverage is provided.';
} else {
insightEl.innerHTML =
'<strong>How it works:</strong> The present value of future cash flows (outflows minus inflows) is <strong>' + fmt( netFC ) + '</strong>. ' +
'Adding the risk adjustment of <strong>' + fmt( ra ) + '</strong> gives fulfilment cash flows of <strong>' + fmt( fulfilment ) + '</strong>. ' +
'Since this is positive (outflows + RA exceed inflows), there is no profit to store. ' +
'The CSM cannot go negative, so it is <span class="wix-bb-hl-loss">floored at zero</span>. ' +
'The <span class="wix-bb-hl-loss">' + fmt( loss ) + ' shortfall is recognised as a loss</span> in the income statement immediately \u2014 the principle of prudence demands early warning.';
}
}
/* ── Events ──────────────────────────────────────────────── */
slOutflow.addEventListener( 'input', update );
slRa.addEventListener( 'input', update );
btnReset.addEventListener( 'click', function () {
slOutflow.value = '2600000';
slRa.value = '120000';
update();
} );
update();
}
/* ================================================================
IMPACT SORT — data-wix-module="impact-sort"
Binary classification exercise: does the scenario adjust the CSM
or hit P&L directly? Six shuffled cards, score tracking, and a
final results screen.
================================================================ */
function initImpactSort( container ) {
/* ── Scenario data ───────────────────────────────────────── */
var SCENARIOS = [
{ icon: '\uD83D\uDC94',
text: 'AXA France whole-of-life portfolio: a new longevity study shows policyholders are living <strong>2\u00A0years longer</strong> than assumed \u2014 expected death claims over the remaining coverage period fall by \u20AC12M.',
answer: 'csm',
correctHead: '\u2705 Correct \u2014 adjusts the CSM.',
correctBody: 'This change relates to mortality expected over the <em>remaining</em> coverage period \u2014 service the insurer has <strong>not yet delivered</strong>. Because it concerns future service, the \u20AC12M favourable change increases the CSM, and will be released as profit gradually as coverage continues.',
wrongHead: '\u2717 Not quite \u2014 this one adjusts the CSM.',
wrongBody: 'Ask the key question: has the service already been provided? No \u2014 these are death claims expected <em>in the future</em>, over the remaining life of the policies. Because it concerns future service, the \u20AC12M favourable change increases the CSM rather than appearing in P&L immediately.' },
{ icon: '\uD83D\uDCB0',
text: 'AXA Belgium unit-linked savings contracts: revised data shows policyholder lapse rates will <strong>rise by 15%</strong> over the remaining contract term, reducing expected future fee income by \u20AC8M.',
answer: 'csm',
correctHead: '\u2705 Correct \u2014 adjusts the CSM.',
correctBody: 'Unfavourable changes about future service are absorbed by the CSM, just like favourable ones. The CSM decreases by \u20AC8M because fewer policyholders will stay to generate fees. The CSM acts as a buffer in both directions \u2014 as long as it stays at or above zero.',
wrongHead: '\u2717 Not quite \u2014 this one adjusts the CSM.',
wrongBody: 'The change relates to lapses that have <em>not yet happened</em> \u2014 it\u2019s about future service. The fees lost are fees the insurer has not yet earned. Unfavourable changes about the future are absorbed by the CSM (decreasing it by \u20AC8M). The key: the service hasn\u2019t been provided yet.' },
{ icon: '\uD83C\uDFE5',
text: 'AXA Germany group disability portfolio: a large employer reports a <strong>cluster of 40 new disability claims</strong> during the current reporting quarter, all arising from a factory closure this year.',
answer: 'pl',
correctHead: '\u2705 Correct \u2014 hits P&L directly.',
correctBody: 'The insurer was providing disability coverage when these claims were incurred \u2014 the service has <strong>already been delivered</strong> for this period. Since this relates to current service, the full amount goes straight to insurance service expenses in the income statement. The CSM cannot absorb it.',
wrongHead: '\u2717 Not quite \u2014 this one hits P&L directly.',
wrongBody: 'Ask the key question: has the service already been provided? Yes \u2014 the disabilities occurred during the current quarter while the insurer was on risk. This is current-period service, so the cost goes straight to insurance service expenses. The CSM only absorbs changes about <em>future</em> service.' },
{ icon: '\uD83D\uDCC5',
text: 'AXA Switzerland individual annuity book: a <strong>prior-year reserve for an annuitant who died in 2023</strong> is re-estimated upward because final medical and estate costs were higher than provisioned.',
answer: 'pl',
correctHead: '\u2705 Correct \u2014 hits P&L directly.',
correctBody: 'This relates to <strong>past service</strong> \u2014 the annuitant died in a prior period and the claim event is long settled. Any re-estimate of an already-incurred claim bypasses the CSM entirely and flows directly into insurance service expenses. The CSM only represents profit on service <em>still to come</em>.',
wrongHead: '\u2717 Not quite \u2014 this one hits P&L directly.',
wrongBody: 'The annuitant died in 2023 \u2014 the service has long since been provided. Re-estimates of already-incurred claims relate to past service and go straight to the income statement. Remember: the CSM represents profit on service <em>still to come</em>, not service already delivered.' },
{ icon: '\uD83E\uDE7A',
text: 'AXA Japan critical illness portfolio: following a screening campaign, the insurer estimates <strong>200 cancer diagnoses occurred during H1</strong> but won\u2019t be reported until H2. The full IBNR provision is booked.',
answer: 'pl',
correctHead: '\u2705 Correct \u2014 hits P&L directly.',
correctBody: 'The diagnoses are <strong>incurred</strong> in H1, even if not yet reported. Once incurred, the liability relates to current service \u2014 the insurer was providing critical illness cover when the diseases arose. Any estimates of these claims go straight to the income statement. IBNR doesn\u2019t change this: incurred means the service has been provided.',
wrongHead: '\u2717 Not quite \u2014 this one hits P&L directly.',
wrongBody: 'The cancers were diagnosed during H1 \u2014 the insurer was on risk when they occurred. Even though the claims are IBNR (incurred but not yet reported), they are still <em>incurred</em>, meaning the service has been provided. All incurred claim estimates bypass the CSM and go to P&L.' },
{ icon: '\uD83D\uDC94',
text: 'AXA France whole-of-life portfolio: a pandemic scenario causes expected mortality claims to <strong>rise so sharply that the CSM would go below zero</strong>. The change relates entirely to future service.',
answer: 'both',
correctHead: '\u2705 Correct \u2014 but there\u2019s a twist.',
wrongHead: '\u2717 It\u2019s actually a trick question \u2014 both answers are partially right.',
bothBody: 'This change relates to future service, so it <em>starts</em> by adjusting the CSM. But the CSM cannot go negative. The portion that brings the CSM to zero is absorbed normally; the <strong>excess</strong> spills over into P&L as an immediate loss. The group becomes onerous and a loss component is established. This is the one scenario where the answer is \u201Cboth\u201D \u2014 CSM first, then P&L for the overflow.' }
];
/* ── State ───────────────────────────────────────────────── */
var order = shuffle( makeRange( SCENARIOS.length ) );
var current = 0;
var correct = 0;
var wrong = 0;
var answered = false;
function makeRange( n ) { var a = []; for ( var i = 0; i < n; i++ ) a.push( i ); return a; }
function shuffle( arr ) {
for ( var i = arr.length - 1; i > 0; i-- ) {
var j = Math.floor( Math.random() * ( i + 1 ) );
var t = arr[i]; arr[i] = arr[j]; arr[j] = t;
}
return arr;
}
/* ── Build UI ────────────────────────────────────────────── */
wix.empty( container );
var wrapper = wix.el( 'div', { className: 'wix-eng-wrapper' } );
container.appendChild( wrapper );
/* Title */
wrapper.appendChild( wix.el( 'div', { className: 'wix-sim-title', textContent: 'Where Does the Impact Land?' } ) );
/* Decision rule */
wrapper.appendChild( wix.el( 'div', { className: 'wix-is-rule', innerHTML: '<strong>The key question:</strong> \u201CHas the service already been provided?\u201D If yes \u2192 P&L. If no \u2192 CSM.' } ) );
/* Progress bar */
var progFill = wix.el( 'div', { className: 'wix-progress-fill', style: { width: '0%' } } );
var progText = wix.el( 'span', { className: 'wix-is-badge', style: { border: 'none', padding: '0', background: 'none', color: '' } } );
var progBar = wix.el( 'div', { className: 'wix-progress-wrap', style: { marginBottom: '1rem' } }, [
wix.el( 'div', { className: 'wix-progress-track' }, [ progFill ] ),
progText
] );
wrapper.appendChild( progBar );
/* Score badges */
var badgeCorrect = wix.el( 'span', { className: 'wix-is-badge wix-is-badge--correct' } );
var badgeWrong = wix.el( 'span', { className: 'wix-is-badge wix-is-badge--wrong' } );
wrapper.appendChild( wix.el( 'div', { className: 'wix-is-score-row' }, [ badgeCorrect, badgeWrong ] ) );
/* Card stage */
var cardStage = wix.el( 'div' );
wrapper.appendChild( cardStage );
/* Choice buttons */
var btnCsm = wix.el( 'button', { className: 'wix-is-choice wix-is-choice--csm' }, [
wix.el( 'span', { className: 'wix-is-choice-icon', textContent: '\uD83D\uDD04' } ),
wix.el( 'span', { className: 'wix-is-choice-title', textContent: 'Adjusts the CSM' } ),
wix.el( 'span', { className: 'wix-is-choice-sub', textContent: 'Future service \u2014 profit recognised later' } )
] );
var btnPl = wix.el( 'button', { className: 'wix-is-choice wix-is-choice--pl' }, [
wix.el( 'span', { className: 'wix-is-choice-icon', textContent: '\uD83D\uDCC9' } ),
wix.el( 'span', { className: 'wix-is-choice-title', textContent: 'Hits P&L directly' } ),
wix.el( 'span', { className: 'wix-is-choice-sub', textContent: 'Current or past service \u2014 recognised now' } )
] );
var choicesEl = wix.el( 'div', { className: 'wix-is-choices' }, [ btnCsm, btnPl ] );
wrapper.appendChild( choicesEl );
/* Feedback */
var fbHead = wix.el( 'div', { className: 'wix-is-fb-head' } );
var fbBody = wix.el( 'div' );
var btnNext = wix.el( 'button', { className: 'wix-btn', textContent: 'Next scenario \u25B8', style: { marginTop: '0.6rem' } } );
var feedbackEl = wix.el( 'div', { className: 'wix-is-feedback wix-hidden' }, [ fbHead, fbBody, btnNext ] );
wrapper.appendChild( feedbackEl );
/* Final screen */
var finalIcon = wix.el( 'div', { className: 'wix-is-final-icon' } );
var finalTitle = wix.el( 'div', { className: 'wix-is-final-title' } );
var finalBody = wix.el( 'div', { className: 'wix-is-final-body' } );
var btnRestart = wix.el( 'button', { className: 'wix-btn wix-btn--outline', textContent: '\u21BA Try again' } );
var finalEl = wix.el( 'div', { className: 'wix-is-final wix-hidden' }, [ finalIcon, finalTitle, finalBody, btnRestart ] );
wrapper.appendChild( finalEl );
/* ── Render helpers ──────────────────────────────────────── */
function updateScores() {
badgeCorrect.textContent = '\u2713 ' + correct + ' correct';
badgeWrong.textContent = '\u2717 ' + wrong + ' wrong';
}
function renderCard() {
feedbackEl.className = 'wix-is-feedback wix-hidden';
answered = false;
if ( current >= order.length ) {
showFinal();
return;
}
var s = SCENARIOS[order[current]];
wix.empty( cardStage );
var card = wix.el( 'div', { className: 'wix-is-card' }, [
wix.el( 'div', { className: 'wix-is-card-num', textContent: 'Scenario ' + ( current + 1 ) + ' of ' + order.length } ),
wix.el( 'span', { className: 'wix-is-card-icon', textContent: s.icon } ),
wix.el( 'div', { className: 'wix-is-card-text', innerHTML: s.text } )
] );
cardStage.appendChild( card );
progFill.style.width = ( current / order.length * 100 ) + '%';
progText.textContent = current + ' / ' + order.length;
btnCsm.disabled = false;
btnPl.disabled = false;
choicesEl.className = 'wix-is-choices';
updateScores();
}
function handleAnswer( chosen ) {
if ( answered ) return;
answered = true;
var s = SCENARIOS[order[current]];
var isCorrect = s.answer === 'both' ? true : chosen === s.answer;
if ( isCorrect ) correct++; else wrong++;
updateScores();
/* Card border */
var card = cardStage.firstChild;
card.className = 'wix-is-card ' + ( isCorrect ? 'wix-is-card--correct' : 'wix-is-card--wrong' );
/* Feedback */
if ( s.answer === 'both' ) {
feedbackEl.className = 'wix-is-feedback wix-is-feedback--correct';
fbHead.textContent = chosen === 'csm' ? s.correctHead : s.wrongHead;
fbBody.innerHTML = s.bothBody;
} else if ( isCorrect ) {
feedbackEl.className = 'wix-is-feedback wix-is-feedback--correct';
fbHead.textContent = s.correctHead;
fbBody.innerHTML = s.correctBody;
} else {
feedbackEl.className = 'wix-is-feedback wix-is-feedback--wrong';
fbHead.textContent = s.wrongHead;
fbBody.innerHTML = s.wrongBody;
}
btnCsm.disabled = true;
btnPl.disabled = true;
btnNext.textContent = current >= order.length - 1 ? 'See results \u25B8' : 'Next scenario \u25B8';
}
function showFinal() {
wix.empty( cardStage );
choicesEl.className = 'wix-is-choices wix-hidden';
feedbackEl.className = 'wix-is-feedback wix-hidden';
progFill.style.width = '100%';
progText.textContent = order.length + ' / ' + order.length;
var pct = Math.round( correct / order.length * 100 );
finalIcon.textContent = pct === 100 ? '\uD83C\uDFC6' : pct >= 67 ? '\uD83D\uDC4F' : '\uD83D\uDCDA';
finalTitle.textContent = pct === 100 ? 'Perfect score!' : pct >= 67 ? 'Well done!' : 'Keep practising!';
finalBody.innerHTML = 'You got <strong>' + correct + ' out of ' + order.length + '</strong> correct (' + pct + '%).<br><br>' +
( pct === 100
? 'You\u2019ve nailed the future vs.\u00A0current/past service distinction \u2014 the key question IFRS\u00A017 asks at every re-estimate.'
: 'Remember the key question: <strong>\u201CHas the service already been provided?\u201D</strong> If yes, the change bypasses the CSM and goes straight to P&L. If no, it adjusts the CSM.' );
finalEl.className = 'wix-is-final';
}
function restart() {
order = shuffle( makeRange( SCENARIOS.length ) );
current = 0;
correct = 0;
wrong = 0;
finalEl.className = 'wix-is-final wix-hidden';
choicesEl.className = 'wix-is-choices';
renderCard();
}
/* ── Events ──────────────────────────────────────────────── */
btnCsm.addEventListener( 'click', function () { handleAnswer( 'csm' ); } );
btnPl.addEventListener( 'click', function () { handleAnswer( 'pl' ); } );
btnNext.addEventListener( 'click', function () { current++; renderCard(); } );
btnRestart.addEventListener( 'click', restart );
renderCard();
}
}() );