One number a principal can read every morning

The Trust Ratio

Premium is not the agency's money, so the trust has to balance on its own. Every day the module reads trust cash and collectible premium receivable against premiums payable, client credits and binder bill, and stores the ratio, the surplus or shortfall and the standing. Only collectible premium counts: debt past the exclusion age counts for nothing, and a haircut ladder can count the 61 to 90 day bucket at less than face value. The accounts are read by the trust role set on each one, not by account number, so any chart of accounts in any jurisdiction maps without renumbering.

Today's reading

Trust cash, gross and collectible receivables and what was excluded as bad debt, against premiums payable, client credits and binder bill — then the ratio, the surplus and the standing.

Receivables by age

Each age bucket with its receivable, the percentage counted as collectible and what it contributed as a trust asset. Over 90 days is excluded outright.

Kept as history

One reading per company per day, with every component beside the ratio, so the position on any past date is a row rather than a reconstruction.

The bands and the ladder

Out of trust below 1.00, a warning below 1.05, receivables excluded after 90 days, and the four-bucket collectibility ladder — with a reading on demand.